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Sunil

Sunil Lala  | Answer  |Ask -

Financial Planner - Answered on Dec 06, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Asked by Anonymous - Sep 06, 2023Hindi
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Hallo sir, I have no job but i have 4/5 lacs in saving. So what i do for monthly earning. Please suggest. My age is54

Ans: Is it ok if you get 2500/- per month ?
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Dev

Dev Ashish  | Answer  |Ask -

MF Expert, Financial Planner - Answered on Apr 26, 2023

Asked by Anonymous - Apr 24, 2023Hindi
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How do I earn monthly income of 2 lakhs post retirement which is 15 years away? Please suggest options
Ans: If we calculate using a few assumptions, like post-retirement life of 25 years; average inflation of 6% pa during that period, and portfolio returns of about 8% (assuming a judicious mix of equity and debt with a higher allocation to the latter), then you need to have a corpus of about Rs 4.8 Cr. This is to ensure that starting at Rs 2 lakh monthly (after 15 years), your monthly income from there on increases by at least 6% assumed inflation. And starting from zero, you need to invest about Rs 1.1 lakh per month assuming equity:debt 50:50 and this monthly investment amount should increase by at least 5% every year.

To reach this target corpus, you have a sufficiently long runway of 15 years. So you should be willing to invest a major chunk in equities via equity funds if your risk appetite allows for it. You may also have some of the existing assets, which too can be earmarked towards this retirement corpus.

As mentioned, for equity allocation, choose diversified equity funds categories like passive largecap funds, flexicap funds, and large&midcap funds (and if you have a sufficiently high-risk appetite, then mid-and-small cap funds as well). For debt, your EPF+VPF alongwith PPF should be sufficient.

When the time comes for retirement (in 15 years), you may have to divide your portfolio into 2 buckets. One to take care of income needs (via SCSS, debt funds, PPF withdrawals, bonds, etc.) and the other for growth (via equity funds and ETFs)

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 2024

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Hi I'm 46 I have savings 26 lacks & iam jobless suggest me to get monthly income by investing
Ans: Current Financial Overview
Age: 46 years

Job Status: Unemployed

Savings: Rs 26 lakhs

Financial Goals
Objective: Generate a monthly income through investments
Investment Strategy
Assessing Current Savings
Savings: Rs 26 lakhs

Make the right use of your savings to generate regular income.
Diversify your investments to strike a balance between risk and return.
Creating a Monthly Income
Systematic Withdrawal Plan (SWP):

A systematic withdrawal plan provides for periodical returns from your mutual fund investments.
It provides for regular monthly income.
It is always advisable to opt for actively managed funds for better returns.
On the other hand, avoid index funds because of lower returns and lack of flexibility. Debt Mutual Funds:

Invest a proportion in debt mutual funds for stability. They give comparatively better returns than fixed deposits. Such funds are good for regular income generation with low levels of risk. Balanced Funds:

Invest in balanced funds as they mix equity and debt. They will give growth and stability. Engage a Certified Financial Planner for choosing the funds. Monthly Income Plans (MIPs):

Consider the MIPs, which focus more on generating regular income.
They primarily invest in debt with an exposure to equity as well.
They provide higher returns compared with bank savings accounts
Senior Citizen Savings Scheme:
If eligible, invest in SCSS as the returns from this scheme are safe and regular.
The interest rate is higher compared to other savings
Post Office Monthly Income Scheme:
POMIS schemes should be considered if you want returns that come as a guaranteed monthly income.
It is a safe and secure way of earnings for regular income.
Risk Management
Diversification of Investments:

Invest in a mix of assets classes.
This lowers risk and also guarantees steady returns. Emergency Fund:

Keep an emergency fund which is equivalent to 6-12 months of expenses. Store this in a liquid fund or even a savings account for easy access. Regular Monitoring:

Keep a check on your investment portfolio regularly. Bring changes in your investments as per the market conditions and your needs. Disadvantages of Index Funds Limited Flexibility:

Index funds strictly follow the market index. They cannot alter with the changing market at all. Lower Returns:

These funds can be easily surpassed by the actively managed funds.
A professional fund manager can grab better opportunities for returns.
No Professional Management:

Index funds are not actively managed.
Active funds have professionals making investment decisions for them.
Benefits of Investing Through a CFP
Expert Advice:

A CFP offers customized investment advice.
They assist in selecting the right fund and managing associated risks.
Regular Monitoring:

A CFP continuously monitors your investment portfolio and makes changes as required.
This ensures you achieve your financial goals.
Tax Efficiency:

A CFP advises on tax-saving investment options.
They ensure maximum returns with minimum tax liabilities.
Finally
Generate Regular Income: Generate a regular income stream from your savings.

Diversification of Investments: Diversify across various assets.

Professional Advice: Engage a CFP for custom-made advice.

Review Regularly: Get into the habit of continuous monitoring and reviewing the portfolio.

From the above plan, you will have financial independence and be able to generate regular income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Money
sir, i am retiring on may 31st 2025. I am getting retaring benefit of gratuty of rs.17lakh, el ecashment of rs.8lakhs and epf of rs.12lakhs. also i have 65lakhs in bank. how earn monthly for my retirment life.
Ans: You have Rs 17 lakhs from gratuity.

Rs 8 lakhs from earned leave encashment.

Rs 12 lakhs from EPF.

Rs 65 lakhs in bank savings.

Total retirement corpus is Rs 1.02 crore.

That’s a good sum for retirement planning.

You should protect this money for regular income.

It’s important to have liquidity and safety.

Your retirement income needs careful planning.

Immediate Needs and Emergency Fund

Keep Rs 5 to 10 lakhs as emergency fund.

This should be in a safe liquid option.

Use a high-interest savings account or liquid funds.

This ensures you can manage any sudden needs.

Emergency fund gives peace of mind.

Don’t invest this money in risky options.

Debt Repayments and Obligations

If you have any debts, try to clear them.

Retiring with no debts is very important.

Interest on loans can eat your income.

If you have loans, repay them from the corpus.

Then focus on investing for monthly income.

Health and Insurance Planning

Make sure you have a good health cover.

Medical expenses can be heavy after retirement.

A family floater plan is helpful.

Top-up plans can also reduce medical burden.

Don’t depend only on employer-provided insurance.

Health insurance premiums rise with age.

So, take cover while you are still healthy.

Regular Income Strategies

You need a steady monthly income.

Avoid investing everything in one product.

Diversify to get a mix of safety and returns.

Use 3 to 4 types of investments.

Mix debt and equity mutual funds for growth and income.

Also, have some safe instruments for surety.

Debt-Based Investments for Stability

Use senior citizen saving schemes and post office schemes.

These give steady interest.

They are safe and government-backed.

These can meet some part of your monthly needs.

These can be your core income source.

Equity Mutual Funds for Growth

Equity mutual funds are important for beating inflation.

Don’t invest all in equity, but have some portion.

They give better returns over time.

You can invest in balanced funds or hybrid funds.

These funds reduce risk compared to pure equity.

They help your money grow for 20-25 years of retirement.

Avoid index funds.

Index funds only copy market, they don’t beat market.

Actively managed funds have professionals managing money.

They try to get better returns than index.

This extra effort can give you better income in retirement.

Disadvantages of Direct Funds

Direct funds are cheaper, but they need more attention.

You need to track performance yourself.

This is not easy for a retired person.

A certified financial planner guides better in regular plans.

Regular funds through MFDs with CFP support give comfort.

CFPs do periodic review and rebalancing.

This can help you protect and grow retirement money.

Systematic Withdrawal Plans (SWPs)

You can use SWPs from mutual funds.

This gives monthly income like a pension.

You decide how much you need each month.

SWPs are tax efficient compared to FDs.

They help your money last longer.

Taxation Aspects

For equity mutual funds, long-term gains over Rs 1.25 lakh are taxed at 12.5%.

Short-term gains taxed at 20%.

For debt funds, gains are taxed as per your slab.

Keep this in mind while planning SWP.

Plan withdrawals to reduce tax impact.

Certified financial planner can help here.

Bank FDs and Safety

Some part of your money can be in bank FDs.

Choose short tenure FDs of 1-2 years.

Renew them for better rates and safety.

Don’t put everything in long-term FDs.

Keep some flexibility for future needs.

Asset Allocation and Diversification

Divide your corpus in 3 parts.

1st part in safe debt products for sure income.

2nd part in balanced funds for growth and income.

3rd part in equity mutual funds for long-term growth.

This gives balance of safety, income and growth.

Review it every year for changes.

Regular Monitoring and Rebalancing

Don’t leave investments unattended.

Market changes affect risk and returns.

Every year, check if you need to adjust.

A certified financial planner can do this.

Rebalancing keeps your money safe and growing.

Monthly Income Planning

Estimate how much you need every month.

Include rent, groceries, medical and entertainment.

Make sure investments cover this comfortably.

Don’t withdraw more than what investments can support.

This ensures your money lasts through retirement.

Family and Legacy Planning

Think about family needs too.

Make a will for your assets.

This avoids family disputes later.

Discuss with family and a certified financial planner.

Have nominations in all investments.

Update them if family situation changes.

Avoid High-Risk Investments

Don’t put retirement money in risky options.

Avoid stock trading or crypto.

These can erode your money.

Stick to safe, managed funds.

Let professionals manage risks.

Review of Insurance Policies

If you have old insurance policies, check them.

ULIPs and investment policies may not suit your goals now.

If you have such policies, check surrender value.

It may be better to exit and move to mutual funds.

This can give better income and flexibility.

Future Lifestyle Adjustments

Be realistic about lifestyle in retirement.

Adjust spending to your income flow.

Avoid big purchases if money is tight.

Focus on health and peace of mind.

Benefits of Working with a Certified Financial Planner

A CFP will understand your needs.

They will make a plan that suits your comfort.

They also track your investments.

CFPs suggest changes if market changes.

This ensures you always have enough.

They work with you, not just sell products.

What to Avoid

Avoid real estate investments.

Real estate is illiquid and needs large sums.

It may not give monthly income.

Also hard to sell quickly in need.

Avoid index funds and direct funds.

Regular mutual funds with MFD and CFP is better.

Final Insights

You have built a good retirement corpus.

Protect it with proper allocation.

Use debt options for safety.

Use equity mutual funds for growth.

Get monthly income from SWP and safe options.

Work with a certified financial planner for peace.

Review plan every year for long life income.

Enjoy retirement with health and family.

Stay away from risky ideas.

Your retirement can be secure and peaceful.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 20, 2025

Asked by Anonymous - Jun 06, 2025Hindi
Money
I am around 39. I have no debt. Owned Flat. MF investment of 10L, NPS of 15 L. Stock of 6 L and bank balance/fd around 50L. Pls suggest plan to get monthly income of 2L
Ans: Current Financial Snapshot
Age: Around 39 years

Debt: None

Home: Self?owned flat (owns fully)

Mutual Funds: Rs.?10 lakh

NPS: Rs.?15 lakh

Direct Equity: Rs.?6 lakh

Bank Balance + FDs: Rs.?50 lakh

You have a comfortable base. This positions you well for income planning. You should be appreciated for creating strong financial foundations.

Goal Definition: Monthly Income of Rs.?2?Lakh
You wish to generate Rs.?2?lakh per month through your investments. That is Rs.?24?lakh per year. We must plan across multiple instruments to ensure safety, growth, and liquidity.

Income Sources: Creating a Balanced Blend
To generate Rs.?2?lakh monthly, consider using:

Systematic Withdrawal Plans (SWP) from mutual funds

Interest/Payouts from debt investments

Partial NPS withdrawals aligned with rules after retirement age

Dividend or Cash Payouts from debt and hybrid funds

We will create a structure with three pillars:

Core Stability (for steady cash flow)

Growth Reserve (to maintain the income stream over time)

Liquidity & Contingency (for emergencies)

Pillar 1: Core Stability
Debt Allocation for Regular Income
You have about Rs.?50?lakh in liquid and fixed deposits. Convert these into debt mutual funds or dynamic bond funds through Systematic Transfer Plans (STP) to earn better post-tax yield.

Maintain Rs.?10–15?lakh in ultra?short or liquid debt funds for emergencies.

Allocate Rs.?35–40?lakh in short?to?medium term debt funds through STPs.

Utilize a modest SWP to generate monthly income.

Debt funds provide better liquidity and tax efficiency.

NPS: Structured Post-Retirement Income
Your Rs.?15?lakh NPS corpus matures after age 60.

Up to 60% may be withdrawn tax-free.

The remainder needs annuitisation—though an annuity is required by NPS guidelines, this is structured and regulated.

Plan for partial withdrawals closer to retirement.

Even though we avoid annuities otherwise, this one is mandated by NPS scheme design.

Pillar 2: Growth Reserve via Equity
You have about Rs.?10?lakh in mutual funds and Rs.?6?lakh in stocks.

Rebalancing and Consolidation
You likely have many mutual funds and several stocks.

Consolidate into 5–7 quality actively managed funds (no index funds).

Ensure mix of large cap, flexi-cap, mid?cap, and a small?cap slice (10–15%).

Actively managed funds help during volatility by protecting downside.

Equity SWP for Income Supplement
Set up an SWP from your equity funds.

Align withdrawals with market conditions and goals.

Helps provide tax?efficient cash flow over long term.

Long-term gains get 12.5% LTCG on amounts above Rs.?1.25 lakh per year.

Direct Equity: Use Strategically
With Rs.?6?lakh in stocks, ensure you hold blue?chip or dividend-paying shares.

Avoid market-timing. Maintain a pre-decided sell/withdraw plan.

Pillar 3: Liquidity & Contingency
Maintain Rs.?10–15?lakh aside:

Bank FDs

Liquid funds

Use this for emergencies or to cover shortfalls.

Replenish when used.

Structured Withdrawal Strategy
Here is how you can generate Rs.?2?lakh per month:

Debt SWP (via STP)

Use Rs.?35–40?lakh in debt funds.

Withdraw Rs.?1 to 1.2 lakh per month.

Equity SWP + Partial NPS withdrawal

From equity SWP: Rs.?30,000 per month.

NPS withdrawal: Rs.?20,000 per month (starting at 60).

Direct equity dividends

Use stock dividends or occasional PBT (profit booking).

Add a buffer of Rs.?10–20k monthly.

This gives Rs.?2?lakh per month with a balanced risk-return profile.

Annual Inflow and Escalation
Review and adjust SWP amounts yearly as inflation rises.

Use additional SIPs to rebuild SWP withdrawal capacity.

Since NPS withdrawal starts later, equity SWP needs to scale up gradually.

Tax Planning Strategy
Equity SWP generates taxed LTCG when annual gain above Rs.?1.25 lakh.

Debt SWP taxed at slab rates.

NPS final withdrawal mostly tax-free; pension income taxable as salary.

Maximise long holding periods for better tax efficiency.

Risk and Reinvestment Management
Keep an eye on equity market volatility—actively managed funds help mitigate risk.

Rebalance yearly to maintain asset allocation.

Keep at least Rs.?10 lakh buffer for emergencies.

Estate Planning & Insurance Top-Up
You have a self-owned flat and solid corpus.

Get adequate term life insurance to protect dependents.

Top-up health insurance for all family members.

Create a will and nominee updates for financial clarity.

Regular Reviews and Revisions
Annual review is essential. In each review:

Check performance vs. goals

Revise SWP amounts

Rebalance asset mix

Track NPS vesting year

Ensure hydration of contingency reserves

Confirm insurance and estate plans

Use these reviews with your Certified Financial Planner for discipline and guidance.

Common Mistakes to Avoid
Do not prematurely stop SWPs.

Avoid chasing high small?cap returns.

Do not invest in direct plans without guidance.

Refrain from reinvesting insurance in investment policies.

Do not entirely depend on one asset class.

Timeline to Achieve Monthly Income
Start immediately with SWPs and debt reallocation.

You will reach Rs.?1.5 lakh per month within 6–12 months.

NPS income starts at age 60.

Equity SWP increases and dividend builds gradually.

Expect full Rs.?2 lakh monthly sustained by age 60–62.

Final Insights
You already have a strong base. That is great.

Key focus points:

Consolidate equity and mutual funds.

Use SWP from debt and equity to build monthly income.

Align partial NPS withdrawal at retirement.

Maintain emergency funds and insurance coverage.

Review annually and adjust SWPs.

Avoid direct fund mistakes and index?only investments.

This plan brings stability, income, tax efficiency, long?term growth, and goal alignment.

With careful implementation and annual review with your Certified Financial Planner, you will steadily achieve your Rs.?2 lakh per month target.

Best Regards,
K.?Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Reetika Mam, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

You can easily achieve your goal of 2.5 crores after 10 years. Your current investment value of 82 lakhs alone can grow to 2.5 crores assuming CAGR of 12% and monthly 50k SIP will give additional 1.1 crores, making a total corpus of 3.6 crores at 58.

But I see a problem with your current allocation. The fund selection is more aligned towards small caps of different AMCs and very concentrated and overlapped portfolio.
You need to diversify it so as to secure your current investment while getting a decent CAGR of 12% over next 10 years.
Focus on changing your current funds to large caps and BAFs and flexicaps and avoid sectoral funds.

You can also work with an advisor to get detailed analysis of your portfolio.
Hence you should consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Money
Hi, I am 32 years old, married, and have a 4-year-old daughter. My monthly take-home salary is 55,000 rupees, and my wife's salary is 31,000 rupees, making our total income 86,000 rupees. I am currently in a lot of debt. Our total EMIs amount to 99,910 rupees (total loans with an average interest rate of 12.5%), and even with my father covering most of the monthly expenses, I still spend about 10,000 rupees. This leaves me with a shortage of approximately 25,000 rupees (debt) every month. My total debt across various banks is 36,50,000 rupees, and I also have a gold loan of 14 lakhs. I cannot change the EMI or loan tenure for another year. I also have a 2 lakh rupee loan from private lenders at an 18% interest rate. My total debt is over 52 lakhs. Now, with gold and silver prices rising, I'm worried that I won't be able to buy them again. I have an opportunity to get a 2 lakh rupee loan at a 12% interest rate, and I'm thinking of using that money to buy gold and silver and then pledge them at the bank again. Half of my current gold loan is from a similar situation – I took a loan from private lenders, bought gold, and then took a gold loan from the bank to repay the private loan. Given my current situation and my family's circumstances, should I buy more gold or focus on repaying my debts? What should I do? The monthly interest on my loans is approximately 50,000 rupees, meaning 50,000 rupees of my salary goes towards interest every month. What should I do in this situation? I also have an SBI Jan Nivesh SIP of 2000 rupees per month for the last four months. I have no savings left. I am thinking of taking out term insurance and health insurance, but I am hesitating because I don't have the money. I am looking for some suggestions to get out of these debts.
Ans: Hi Surya,

You are in a very complicated situation. This whole debt trapped needs to be worked on very judiciously. Let us go through all the aspects in detail.

1. Your total monthly household salary - 86000; monthly expense - 10000 contribution as of now; monthly EMI - approx. 1 lakhs.
2. Current loans - 36.5 lakhs from various banks at 12.5%; Gold Loan - 14 lakhs; private lenders - 2 lakhs at 18% >> totalling to 52 lakhs.
3. 50k interest per month payable - implies capital payment is very less leading to more problem.

- Keen on buying gold with loan. This is where more problem will began. Avoid buying gold using loan.
- Your focus should be on reducing your debt instead of increasing it.

Strategy to follow:
1. Close the loan with higher interest rate - 2 lakh personal lender. This will reduce your EMI and give you more potential to prepay other loans.
2. Try and take financial help from your family in prepaying small loans from banks. This can reduce your burden.
3. If you have any unused assets, can sell them to pay off your loans.

Points to NOTE:
> Avoid taking any more loans.
> When your EMI burden reduces, do make an emergency fund of 2-3 lakhs for yourself for any uncetain situation.
> Make sure to have a health insurance for yourself and family.
> Can stop your investments for now. They are of no use if your EMIs are more than your income. Can start investing once your EMI's reduce atleast by 20-30% for you.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Money
Hello Sir ; I am 55 years old & have decided to retire by end of 2025 . My wife is in teaching profession , earns appx. 3.5 L / annum & will continue her service till 2037( @60 yrs. of age ) . My only child is an intellectually disabled person ( with Autism ) , 14 years of age & will be incapable to earn . As on date , I have 60 L in MF , going to sell a property by end of this year @ 41 L ( it is fixed ) , appx 5L in Bank & postal FD . My wife have 45L in MF as on date & 3 fully paid premium ULIP policy which will be matured by 2030. She can get appx. 25 L from there . This is by and large my family financial status . Now , my queries to you that with this corpus , how we manage our ( myself & wife’s ) livelihood & most important that to manage a continuous cash flow for my disabled child till his age 65 i.e. 50 years from now . Primarily , I have thought of SWP & MIS schemes to get regular income for th retirement . My present family expense is appx. 1L per month . Therefore , I do seek your expert advice in this regards . I will be highly obliged if you kindly address to my query . thanking you , with best regards ; Suprabhat Jatty.
Ans: Hi Suprabhat,

Let us analyse all things in detail - one at a time.
1. 5L in Bank and FD - this is your emergency fund. But if there is a lock-in on the postal FD, you need atleast 5 lakhs in bank FD as your emergency fund.
2. Health Insurance - it is the prime requirement for you and your family. You should have one covering you, your spouse as well as your kid. It will help you in uncertain health conditions of youself and family.
3. ULIP Policy - Usually policies like such are not beneficial. But these are all paid-up, good point here. Whenever you get this, try to invest it in equity and hybrid mutual funds.
4. You will get 41 lakhs from property selling. Invest the entire amount in mutual funds, a mix of equity and debt funds.
5. Cumulative MF portfolio = 1.05 crores. As the entire corpus is huge, take the advice of a proper advisor on managing your overall investments and portfolio. A guided investment always generates better result than a random portfolio.

Your annual needs - 12 lakhs; Wife will earn - 3.5 lakhs till 2037. You need additional 8.5 lakhs per year to manage your expenses.
- You can initiate a SWP from your overall savings after allocating it in correct funds with the help of advisor.
- You need to have a dedicated corpus for your son's need in your absence. Atleast 50-70 lakhs should be kept solely for your son.
- The overall corpus seems insufficient to meet your requirements for now. You can either postpone your retirement and create an additional savings corpus for your future and son. Or you may consider to work on your monthly budget.

Do work with a professional advisor to guide you with exact funds to meet your desired goals.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Asked by Anonymous - Dec 17, 2025Hindi
Relationship
I am 43 years old married man, arranged marriage. Married for past 13 years with 4 kids (aged 2, 3, 10 and 13). I work abroad with good salary package and live with my family. My wife is MSc. and home maker. She teaches the kids and cooks and takes good care of kids. I am academic research scholar. From the start of our marriage, I noticed my wife does not open much and moderate religious person. I am also not very extrovert person. I work from 8 am to 5 pm in office which is walkable distance from my house. After coming from office, I help her in kichen daily, look after the kids, help kids in math, clean the house, put the yougest kid to sleep, then I get some 'me' time which happens only after 11:30 pm in the night. I dont use phone untill everybody is sleep or my kids dont allow me to use phone while i am playing with them. Now sometimes I feel we are just room mates with 1-2 times sex in a month. In terms of love with my wife, I initiate all the time, she never expresses love. I am not very possessive kind of person. She does not show any interest in my work and never ask me hows my day etc. She only smiles and rarely laught. I thought may be it will improve with time. There is no money issue, she buys what ever she likes. She has her own card and I provide extra money if she asks. I assumed may be she does not like me from the beginning but staying in marriage due to family pressure and kids. I am average looking person and dont accept everything what she says in terms of investment, holiday etc. I had accepted my fate. She started doing book writing and publishing online and now earning and keeping separate account, She is very excited about it and feels happy and shares with me the publication but not the earnings. I give suggestions and money what ever she asks for marketting and promotion etc. I am happy for her. Recently I came across an email in her phone which was from her ex. There was a long deleted chat, in summary they were madly in love but could not get married, i dont know the reason or even she never spoke about him. they kept chatting even after our marriage. Her ex got married and divorsed with one grownup kid. He is single and work abroad in a different country with good salary package (may be better than mine). She emailed him after long time I guess but now she is secretly chatting with him very often. she keeps her phone locked and deletes the chats. He is also interested and asking her to leave and marry him. She is not saying yes to him but regrets that she married me. At this point I dont know if I should talk to her regarding this but she will definitely be upset to know i checked her phone. Few years back we had a major fight (that time i didnot know about her ex), i had proposed for divorse and settle it mutually if she is not happy with me but she denied and stayed. I dont know what I should do to make her happy. we both are from very respected family in the society and I dont know if her parents knew about her affair. Even though she is chatting with him but she behaves very normal with me, no fight no argument, as if nothing is happening. I dont know whats in her mind, is she just casually chatting with him or buying time, waiting for the right moment to leave? Shall I file for divorse or accept my fate as room mates. Am I worrying too much?
Ans: First, let me say this clearly: you are not worrying “too much.” Your concerns are valid. When emotional connection, affection, and curiosity about each other’s inner worlds are absent for years, and when secrecy enters the relationship, it naturally shakes trust. The fact that she is emotionally engaging with a past love, hiding communication, and expressing regret about marrying you — even if not directly to your face — is not a small or harmless thing. It doesn’t automatically mean she will leave, but it does mean there is unresolved emotional business that cannot be ignored.
At the same time, it’s important not to jump straight to extremes like divorce or silent resignation. Right now, the most important thing is clarity — for you and for her. Living as silent roommates while carrying this knowledge will slowly erode your self-worth and peace of mind. You deserve honesty, and your marriage deserves a chance to be examined truthfully, not just maintained for appearances, family reputation, or routine.
If you choose to speak to her, the way you approach it will matter far more than the fact that you looked at her phone. Try not to lead with accusation or surveillance. Lead with your emotional reality. You can say something like: you’ve been feeling emotionally distant for a long time, you feel you’re always the one initiating closeness, and recently you’ve felt even more unsettled and insecure about where you stand in her life. You don’t need to reveal every detail of what you saw immediately; the goal is to open a conversation about emotional honesty, not to trap her in a confession.
Pay close attention to how she responds. Not defensiveness alone, but whether she shows willingness to reflect, to talk about her inner world, and to consider rebuilding emotional intimacy with you. A marriage can sometimes be repaired even after emotional betrayal — but only if both partners are willing to be transparent and actively work on reconnecting. If she avoids the conversation, minimizes your feelings, or continues secrecy, then you will have important information about where the marriage truly stands.
It’s also worth acknowledging something gently but honestly: your wife may have spent years emotionally closed not because of you alone, but because she never fully processed the loss of that earlier relationship. Her recent independence and success may have stirred unresolved emotions and old longings. That explains her behavior, but it does not justify secrecy or emotional infidelity. Understanding this can help you speak with compassion without sacrificing your boundaries.
Before making any legal decisions, I strongly encourage you to consider couples counseling, ideally with someone experienced in long-term marriages and emotional affairs. A neutral space can help both of you speak truths that feel too risky at home. It will also help you understand whether she wants to stay and rebuild, or whether she is emotionally preparing to leave.
As for “accepting your fate,” I want to be very clear: accepting a life where you feel invisible, undesired, and emotionally alone is not a virtue. It is a slow form of self-erasure. Your children benefit most not from parents who silently endure, but from adults who model honesty, self-respect, and emotional responsibility.
You don’t have to decide everything right now. But you do need to stop carrying this alone. The next step is not divorce or resignation — it’s an honest, calm, courageous conversation focused on emotional truth. From there, the path forward will become clearer, even if it’s difficult.

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Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Relationship
My husband doesn't lock the door when we have s**. This was the main reason for his ex-wife to divorce him. His parents feel that it is safer to keep the door unlocked in case of emergencies. But honestly,I feel awkward. I am not comfortable. Once his sister casually walked in to pick up some stuff, ignoring us on the bed. I was clothed but it still made me feel uncomfortable. We don't have a private bedroom but we use the bed at night. There are two shared wardrobes in the room which people need to access. I have explained this to my husband but he says I need to learn to adjust and work around it. Even if the door is closed, I always fear that someone might just walk in. What to do?
Ans: This is not a small preference issue. This is about personal boundaries and bodily autonomy. Even if nothing “bad” has happened, the fear of being walked in on is enough to make your body stay tense. That anxiety alone can affect your sense of dignity, desire, and emotional security. The fact that his ex-wife divorced him over the same issue tells you that this pattern is longstanding and not something you are imagining.
Your husband and his parents may frame this as “safety” or “emergency access,” but that argument does not hold when weighed against your right to privacy. Emergencies are rare; violations of comfort are happening now. A locked door during intimacy does not mean negligence—it means respect. Many families manage emergencies with simple alternatives like knocking, calling out, or keeping keys for true emergencies. What’s happening instead is that your need for privacy is being minimized, and you are being asked to suppress discomfort for the convenience of others.
The incident with his sister casually entering is especially important. Even though you were clothed, your body registered that as a boundary breach. The fact that it was brushed off is likely reinforcing your fear that this could happen again. Over time, this can quietly erode trust and sexual comfort—not because you’re “overthinking,” but because your nervous system is constantly on alert.
You need to shift the conversation with your husband away from “adjustment” and toward non-negotiable boundaries. This isn’t about arguing logic; it’s about stating a clear emotional and physical limit. You might say something like:
“I cannot feel safe or comfortable being intimate without privacy. This isn’t something I can adjust to. If intimacy continues without a locked door, I will start avoiding it—not out of punishment, but because my body feels unsafe.”
That’s not a threat. That’s honesty.
If the room layout is genuinely impractical, then the solution is not for you to tolerate discomfort, but for the household to change logistics—restricted access at night, fixed timings, or creating a private space. Privacy is a shared responsibility, not a burden placed on one person to endure.
If your husband continues to dismiss this after you clearly express it, that’s a deeper issue than doors. It signals a lack of attunement to your emotional safety, and that deserves serious attention—possibly with a counselor, especially given that this issue has already broken a marriage before.
You are not asking for something unreasonable. You are asking for respect.

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Anu

Anu Krishna  |1754 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Relationship
Mam, I know some ways by which i can change my state of mind from lazy to working.. and having pressure/deadline helps to move on. But still I'm get trapped in guilt of actions and don't feel confident that next time i will be able to control myself..( cuz some actions give short pleasure/gratification easily.. but guilts also). And in all those silent, sad, depressed emotional time my Real working time gets wasted.. and feels like I just live in more guilt and saddness..even if it hurts. But don't wanna live like that!! What I do?
Ans: Dear Work,
Focus in any area of Life comes only when you realize WHY you are doing WHAT you are doing in that area.
For eg: If you decide to lose weight and just randomly join the gym without understanding WHY you are in the gym, a few days later, you will drop out. Mind you, that LOSING WEIGHT is not your reason; WHY do you want to lose that weight is the only thing that will keep you focused and motivated.
Hence, if you are giving into short term distractions, then obviously whatever it is that you are doing is not interesting you and so you get easily distracted.
Take one area of your life at a time; drop your goals in paper and mark a strong WHY against each. If it isn't motivating you enough, go back to the Drawing Board and do the exercise until you find that fire in your belly.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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