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41-Year-Old Seeking 1 Cr+ Retirement Corpus with 25K SIP: Is It Achievable?

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Oct 31, 2023Hindi
Money

Hello Dev, I m 41 Y working in a Pvt org and planning to retire by 55. I haven't invested in MF yet. Currently I hv only my EPF, PPF & NPS apart from Life, Term & Health Insurance. I want to invest 25K per month for 15 yrs with an aim to accumulate 1Cr+. I am OK with moderate to high risks as I don't have immediate liquidity commitments at least for 10 yrs from now. Pls suggest the best SIP breakup where I can invest? Thank You.

Ans: You are 41 years old and planning to retire by 55. You have not yet started investing in mutual funds, which is a great step forward for long-term wealth creation. Your current financial assets are primarily EPF, PPF, and NPS, along with life, term, and health insurance. Given that you have no immediate liquidity requirements for at least 10 years, your risk appetite allows for moderate to high risk investments.

Investing Rs 25,000 monthly over the next 15 years to accumulate Rs 1 crore is an achievable goal with disciplined investment in well-allocated mutual funds. This duration and your risk tolerance give you the opportunity to take advantage of equity-based investments, which generally provide higher returns over the long term.

Evaluating Mutual Fund Options

To meet your goal of accumulating Rs 1 crore or more, an ideal approach would involve diversifying across different categories of mutual funds. This ensures that you balance risk and returns efficiently while taking full advantage of market opportunities. Here are some categories you should consider for your SIP:

Equity Mutual Funds: These are essential for wealth creation due to their potential for higher returns over the long term. Equity mutual funds invest in stocks, which, despite market volatility, tend to perform well over extended periods. Since you have a 15-year horizon, equity funds should form the core of your portfolio.
Balanced or Hybrid Funds: While equity funds offer higher growth, balanced or hybrid funds provide a good mix of both equity and debt instruments. This gives your portfolio a cushion against market volatility while still generating decent returns. These funds are excellent for risk mitigation, and their stable performance ensures steady growth.
Flexi-Cap Funds: These funds have the flexibility to invest across large-cap, mid-cap, and small-cap stocks, allowing fund managers to make decisions based on market conditions. They provide a dynamic approach to tapping into the market’s growth potential.
Small-Cap and Mid-Cap Funds: These funds are known for delivering high returns over the long term, although they carry higher risk. As you are comfortable with moderate to high risk, allocating a portion to these funds could significantly boost your portfolio’s performance.
Disadvantages of Index Funds and Benefits of Actively Managed Funds

Many investors tend to lean towards index funds due to their low cost and passive nature. However, in your case, actively managed funds would be more beneficial for several reasons.

Index Funds: While they mirror market indices, they lack flexibility. Index funds cannot adapt to changing market conditions or seize specific growth opportunities that an actively managed fund can. This can lead to missed opportunities for higher returns, especially during times of market volatility or in sectors experiencing high growth.

Actively Managed Funds: These funds, managed by experienced fund managers, have the potential to outperform the market. They continuously assess market trends, sectors, and individual stocks to maximize returns. This active involvement often results in better long-term growth, particularly when combined with your high-risk tolerance and long-term investment horizon.

Why Regular Funds are Better Than Direct Funds

Choosing to invest in regular funds through a Mutual Fund Distributor (MFD) or Certified Financial Planner (CFP) has several advantages. You gain access to professional guidance and insights that help align your investments with your financial goals.

Regular Funds: When you invest in regular funds, you receive ongoing support from a Certified Financial Planner. They monitor your portfolio and provide advice on when to rebalance or switch funds based on market performance and your changing financial needs. This ensures that you stay on track to meet your retirement goal of accumulating Rs 1 crore.

Direct Funds: These may seem cost-effective initially since they don’t involve commission fees. However, you lose the benefit of expert guidance. Without professional support, you may struggle to optimize your portfolio, especially during volatile market phases. The absence of strategic rebalancing and insight could result in lower overall returns over the long term.

Suggested SIP Allocation for Your Goal

Based on your requirement to invest Rs 25,000 monthly for 15 years, the portfolio should be diversified to balance growth and stability. Here’s a suggested allocation:

Large-Cap Funds (30%): These funds invest in well-established companies with a strong track record of performance. They provide stability to the portfolio and reduce overall risk while still delivering growth. The lower volatility makes them ideal for long-term wealth building.

Flexi-Cap Funds (30%): As discussed earlier, these funds offer flexibility in capitalizing on growth across different market segments. They are excellent for capturing the best opportunities across market capitalizations.

Mid-Cap and Small-Cap Funds (25%): These funds should form a significant portion of your portfolio, as they have the potential to deliver high returns. Given your long investment horizon and higher risk tolerance, investing in mid-cap and small-cap funds will help your portfolio grow faster.

Balanced/Hybrid Funds (15%): To mitigate risk, adding a small portion of balanced funds will provide stability, especially during periods of market downturn. This allocation ensures that your portfolio doesn’t experience sharp declines while still benefiting from equity growth.

Ensuring Portfolio Growth Over Time

Consistent performance monitoring is crucial to ensure that your investments remain aligned with your goal of Rs 1 crore.

Annual Review: It’s important to review your portfolio annually and make adjustments based on market conditions and your evolving financial goals. A Certified Financial Planner can help rebalance the portfolio as required. This ensures that the investments continue to perform optimally.

SIP Step-Up: As your income grows, you can consider increasing your SIP amount every year. This strategy, often referred to as a ‘SIP Step-Up,’ helps in significantly increasing the corpus without making a substantial impact on your lifestyle. Even a small increase in your SIP amount can accelerate your journey towards Rs 1 crore.

Market Volatility: Since your risk tolerance is moderate to high, you should be prepared for market fluctuations. However, staying invested for the entire 15 years will help smooth out any short-term market volatility. Over time, the equity markets have shown resilience and growth, particularly when viewed from a long-term perspective.

Tax Efficiency and Rebalancing

As your investment corpus grows, it’s also essential to keep tax efficiency in mind. Since your investments will likely generate substantial returns, you must be mindful of the tax implications.

Long-Term Capital Gains Tax (LTCG): In India, LTCG on equity mutual funds is applicable after one year of holding. Gains over Rs 1.25 lakh in a financial year are taxed at 12.5%. Since your time horizon is long-term, this tax may come into play. Proper planning with a Certified Financial Planner can help manage this effectively.

Rebalancing for Tax Efficiency: Rebalancing your portfolio periodically helps in maintaining the ideal asset allocation. It also allows you to minimize tax outflows by utilizing tax-efficient strategies. For example, when shifting from equity funds to balanced funds as you near retirement, tax implications can be managed better with professional guidance.

Final Insights

Investing Rs 25,000 per month for 15 years is a well-thought-out plan. Your risk tolerance and long-term view make equity-based mutual funds an ideal choice.

By opting for actively managed funds, guided by a Certified Financial Planner, you can optimize your portfolio for better returns. The right mix of large-cap, flexi-cap, mid-cap, and hybrid funds will help you achieve your Rs 1 crore goal while managing risk.

Additionally, regular reviews and strategic rebalancing will ensure that your portfolio remains on track, regardless of market conditions.

Finally, ensure you remain disciplined with your SIPs and consider stepping up your contribution over time for faster wealth accumulation.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
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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You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

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40years age, need to start 60k pm SIP. Looking for long term : 8-10yrs. Risk appetite moderate, will to explore high risk also. No existing equity investments, only pension funds and FDs. Please advise some mutual funds that i can split this SIP into. Can pick up direct equity stocks also and keep building up holding.
Ans: Building a Robust SIP Portfolio for Long-Term Wealth Creation
Commendation on Your Financial Commitment
Congratulations on deciding to invest Rs. 60,000 per month through SIPs! At 40, you have a significant investment horizon of 8-10 years, which can yield substantial growth. Your moderate risk appetite, with openness to high-risk options, offers flexibility in creating a balanced portfolio.

Understanding Your Current Financial Position
Existing Investments:

Pension Funds: These provide a stable, low-risk foundation for your retirement.
Fixed Deposits (FDs): FDs offer security but limited growth potential.
Investment Goals:

Long-Term Growth: Your goal is to grow your wealth over 8-10 years.
Moderate to High Risk: Willingness to explore higher risk for potential higher returns.
Investment Strategy
Diversification:

Equity Mutual Funds: These are essential for long-term growth, especially given your investment horizon.
Debt Funds: These provide stability and reduce overall portfolio risk.
Combination of Funds:

Large-Cap Funds: These invest in large, established companies. They offer stability and moderate growth.
Mid-Cap Funds: These invest in mid-sized companies with higher growth potential but also higher risk.
Small-Cap Funds: These invest in small companies. They have the highest growth potential and risk.
Balanced or Hybrid Funds: These funds mix equity and debt to balance risk and reward.
Suggested Portfolio Allocation
Equity Mutual Funds:

Large-Cap Funds: Allocate 40% of your SIP here for stability and steady growth.
Mid-Cap Funds: Allocate 30% to tap into higher growth potential.
Small-Cap Funds: Allocate 20% for high growth opportunities.
Balanced Funds: Allocate 10% to balance risk and ensure some stability.
Debt Funds:

Safety Net: Allocate a small portion in debt funds as a safety net against market volatility.
The Case for Regular Funds
Professional Management:

Expert Guidance: Regular funds are managed by professionals who actively monitor the market. This ensures informed investment decisions.
Personalised Approach: Fund managers adjust portfolios based on market conditions and economic trends.
Convenience and Accessibility:

Ease of Investment: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) simplifies the process. They handle paperwork and administrative tasks.
Continuous Monitoring: Regular funds are continuously monitored, ensuring timely adjustments to maximise returns and manage risks.
Cost vs. Value:

Value of Expertise: While regular funds have higher expense ratios than direct funds, the expertise and active management they provide can lead to better returns.
Avoid Pitfalls: Professional management helps avoid common investment mistakes, especially for those not well-versed in market dynamics.
Perils of Direct Equity Investing
Higher Risk:

Market Volatility: Direct equity investments are highly susceptible to market volatility. Without professional guidance, managing this risk can be challenging.
Stock Selection: Identifying the right stocks requires extensive research and understanding of market trends, which can be daunting.
Time and Effort:

Constant Monitoring: Direct equity investments require constant monitoring and frequent adjustments to maintain performance.
Complex Decisions: Making informed decisions about buying or selling stocks requires a deep understanding of the market.
Lack of Diversification:

Concentration Risk: Investing directly in equities often leads to a lack of diversification, increasing risk.
Sector Exposure: Direct investments might concentrate on specific sectors, leading to potential losses if those sectors underperform.
Balancing Risk and Return
Risk Management:

Regular Review: Periodically review your portfolio to ensure it aligns with your risk tolerance and goals.
Rebalance Portfolio: Adjust the allocation between equity and debt based on market conditions and personal circumstances.
Long-Term Perspective:

Stay Committed: Long-term investing requires patience. Avoid reacting to short-term market fluctuations.
Focus on Goals: Keep your financial goals in mind and stay disciplined in your investment approach.
Conclusion
Your decision to start a Rs. 60,000 monthly SIP for long-term wealth creation is commendable. By investing in regular funds managed by professionals, you can optimise your portfolio for better returns while mitigating risks. Seek professional guidance from a CFP to ensure your investments align with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 02, 2024Hindi
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Hello Sir. I work in a private company. I m 49. Will retire in next 5 years. My SIP since last 4 years is 15000 pm. Increased to 22500 last year. Break up.is ICICI prudential blue chip 5000 Mirrae assets - 7500 Kotal Small cap - 7500 I also invest 12,500 p.m in PPF for taxation purpose. I would like to increase 10000 rs more in SIP, which SIP should I invest in
Ans: It's commendable that you have a well-established SIP strategy. Your current SIPs total ?22,500 per month, with investments in ICICI Prudential Blue Chip, Mirae Asset, and Kotak Small Cap funds. Additionally, you invest ?12,500 per month in PPF for tax benefits.

Assessing Your Portfolio
Your current portfolio is diversified across large-cap, multi-cap, and small-cap funds. This balance provides a good mix of stability and growth potential. As you are planning to retire in the next five years, a careful assessment of risk and return is crucial.

Portfolio Diversification
Large-Cap Fund (ICICI Prudential Blue Chip): Provides stability and steady returns. Large-cap funds invest in well-established companies with a history of reliable performance.

Multi-Cap Fund (Mirae Asset): Offers exposure to companies of various sizes, balancing growth potential with risk.

Small-Cap Fund (Kotak Small Cap): Targets high growth but comes with higher volatility and risk. Small-cap funds can provide significant returns over time.

Public Provident Fund (PPF)
Your PPF contributions are beneficial for tax savings and offer secure returns. PPF is a good debt investment, providing a counterbalance to the equity risk in your portfolio.

Increasing Your SIP by ?10,000
You plan to increase your SIP by ?10,000 per month. Here’s a strategic approach:

Adding Mid-Cap and Balanced Funds
Mid-Cap Fund: Consider investing in a mid-cap fund. These funds invest in mid-sized companies, offering a balance between large-cap stability and small-cap growth.

Balanced Fund: Balanced funds invest in both equities and debt instruments. They offer moderate risk and steady returns, suitable for someone nearing retirement.

Benefits of Actively Managed Funds
Professional Management: Actively managed funds are overseen by fund managers who make strategic investment decisions. This can potentially lead to better performance than index funds.

Market Adaptability: These funds can adapt to market changes, optimizing returns and managing risks effectively.

Disadvantages of Direct Funds
Higher Effort: Direct funds require you to make investment decisions and manage the portfolio yourself. This can be time-consuming and challenging.

Professional Guidance: Investing through a Certified Financial Planner (CFP) ensures professional management and strategic alignment with your financial goals.

Implementing the New Investment Plan
Step-by-Step Approach
Assess Your Risk Tolerance: Given your retirement timeline, it's crucial to balance risk and return. Consider how much risk you are comfortable taking.

Allocate the New SIP Amount: Invest ?5,000 in a mid-cap fund and ?5,000 in a balanced fund. This diversification enhances your portfolio's growth potential while maintaining stability.

Regular Monitoring: Review your portfolio regularly. A CFP can help you adjust your investments based on market conditions and changing financial goals.

Professional Guidance
Engaging with a CFP provides several advantages:

Tailored Advice: A CFP can offer investment advice tailored to your specific situation, risk tolerance, and retirement goals.

Portfolio Management: Regular monitoring and rebalancing ensure your investments stay aligned with your financial objectives.

Conclusion
Increasing your SIP by ?10,000 and diversifying into mid-cap and balanced funds will enhance your portfolio. Regular reviews with a CFP ensure your investments align with your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

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Sir, i am 33yrs old and new to investment. I am planning to do SIP for long term next 15 to 20 years. What are the best MF for me to invest? Kindly help sir.
Ans: Starting Your Investment Journey
It's fantastic that you're starting your investment journey at 33. Investing in SIPs for the long term is a smart and disciplined approach.

Benefits of SIPs
Systematic Investment Plans (SIPs) help inculcate a habit of regular investing. They provide the advantage of rupee cost averaging and the power of compounding. Over 15 to 20 years, these benefits can significantly grow your wealth.

Importance of Actively Managed Funds
Actively managed funds have professional managers who make strategic decisions to maximize returns. Unlike index funds, which simply track market indices, actively managed funds adapt to market conditions. This can result in better performance and higher returns.

Disadvantages of Index Funds
Index funds have lower costs but lack flexibility. They often underperform during volatile market conditions. Actively managed funds, on the other hand, can adjust their strategies to navigate market fluctuations effectively.

Benefits of Investing Through a Certified Financial Planner
Investing through a Certified Financial Planner (CFP) provides expert guidance. They can help select the right funds based on your financial goals and risk tolerance. Regular funds invested through a CFP offer professional management and strategic oversight.

Diversifying Your Portfolio
Diversification is key to managing risk and optimizing returns. A well-diversified portfolio includes a mix of equity, debt, and balanced funds. This spread reduces the impact of market volatility on your overall investment.

Equity Funds for Growth
Equity funds invest in stocks and are suitable for long-term growth. They tend to offer higher returns compared to other funds but come with higher risk. Investing in a mix of large-cap, mid-cap, and small-cap funds can provide balanced growth.

Debt Funds for Stability
Debt funds invest in fixed-income securities like bonds and government securities. They offer stability and lower risk compared to equity funds. Including debt funds in your portfolio ensures a steady return and reduces overall risk.

Balanced Funds for Moderate Growth
Balanced funds, or hybrid funds, invest in both equity and debt. They provide a balance of growth and stability. These funds are suitable for investors looking for moderate returns with controlled risk.

Regular Portfolio Review
Regularly reviewing your portfolio is crucial. Market conditions and your financial goals can change over time. A CFP can help you rebalance your portfolio to ensure it remains aligned with your objectives.

Increasing SIP Contributions
As your income grows, consider increasing your SIP contributions. Even small incremental increases can significantly boost your investment corpus over time. The power of compounding will amplify these contributions, leading to substantial growth.

Avoiding Common Investment Pitfalls
Avoid making emotional investment decisions. Stick to your long-term plan and avoid reacting to short-term market fluctuations. Regular consultation with a CFP ensures you stay on track towards your financial goals.

Building an Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses. This fund provides financial security and prevents the need to withdraw investments during emergencies.

Conclusion: A Balanced Approach
Your decision to invest in SIPs for the long term is wise. Focus on actively managed funds for better returns. Diversify your portfolio with a mix of equity, debt, and balanced funds. Regularly review and increase your SIP contributions, and maintain an emergency fund. Consulting with a CFP ensures professional guidance and helps you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Oct 07, 2024Hindi
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Hello, My current age is 42. Our combined post tax salary is around 6.25 lakhs. We have around 50L in mutual funds, 80L in direct stocks, 14L in gold, 30L in NPS, 31L in PPF, 21L in SSY and 2.5cr in real estate. Our current household expenses are around 1.5L per month and we are contributing 1L/month to NPS, 2L/month to SIP, 20K/month to direct stocks,1.5L/yr to PPF, I.5L/yr to SSY. We have an EMI of 50000/month for next 5 years .Our kids are 12 years and 10 years. We want a corpus of 4 cr for their higher education and of 1cr for their marriage. We are living in a company provided accommodation and plan to live in it till requirement.We want a 4L monthly pension and don't have a home right now. If we are planning to retire at 55, how should we manage our finances?
Ans: Hello;

Since NPS will be available only after you reach 60 and no info. about any rental income from real estate investment hence both are kept out of our purview.

1.Higher education goals for children typically start after 12th so we have 6 to 8 years for kid's education financial goal(4 Cr) attainment.

I have split it in two tranches:
A. 2 Cr after 6 years
B. 2 Cr after 8 years

For achieving target A following will work:
Direct stocks corpus of 80 L will grow into a sum of 1.5 Cr after 6 years. (Moderate return of 11% assumed)

PPF corpus and contributions will grow into a sum of 50 L+ after 5 years block when you may withdraw this corpus towards this goal. (6.9% return considered)

So 1.5 + 0.5=2 Cr

For fulfilling target B following will work:
MF corpus of 50 L will grow into a sum of 1.15 Cr after 8 years. (11% return considered)

50% of SSY corpus eligible for withdrawal expected to be around 27.85 L. (8% return assumed)

Direct stock monthly sip of 20 K will grow into a sum of 30.85 L in 8 years.(11% return considered)

Gold corpus of 14 L will grow into a sum of 24.05 L. (7% growth assumed)

So 1.15+27.85+30.85+24.05~~2 Cr

2. Target for Marriage of offspring:
1 Cr.
3. Retirement pension: 4 L per month
13 years from now.
Investible surplus left after all monthly investments utilized for fulfilling above targets should be immediately redirected to monthly SIPs in mutual funds. That includes 20 K direct stock sip, 12.5 K/pm SSY investment after 8 years from now and 12.5 K/pm PPF investment 5 years from now.

Also the 50 K getting free from loan EMI after 5 years should be converted into a mutual fund SIP.

After accounting for monthly expenses and monthly investments, from the balance 80 K, I would suggest you to deploy 50 K into MF sip since it will help in target achievement.

So summarily 12.5 K/8 yr, 12.5 K/5 yr, 20 K/5 yr, 50 K/8 yr and 250 K/13 yr will yield you a comprehensive corpus of 9.89 Cr. Add balance 50% SSY corpus of 27.5 L to this and your total corpus comes to 10.16 Cr. (MF returns assumed at a modest 11%)

Earmark 1 Cr for offspring wedding as envisaged.

Net retirement corpus will be 9.16 Cr. An immediate annuity at 6% will yield you a monthly income of 4.58 L from the age of 55 as planned.

You may use commutable corpus of NPS(60%) to buy your house. While NPS annuity portion(40%) may yield you a delta per month so as to have post tax income of 4 L per month.

This looks achievable because you have managed your finances and investments outstandingly well.

I discourage people to take direct stocks exposure especially when they are nearing the retirement but if you have the knowledge and temperament you may dabble into it subject to some minimum amount earmarked as risk capital.

I am sure you have adequate insurance cover for life and health.

Kudos again to your meticulous fiscal planning and execution.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

...Read more

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Asked by Anonymous - Oct 10, 2024
Relationship
Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married as the society will insult our parents. I am getting married in November only for my parents but I have already made up my mind that I'll divorce him after 1 year of mairrage and will live my life alone. Am I thinking right? What should I do?
Ans: Dear Anonymous,
No, you are not thinking right at all...This man is all RED FLAGS...
Are you actually thinking of spending one year with a person who physically abuses you? Seriously?
And then you expect him to agree to that divorce without any fuss? What world are you in? No compromises on your life please...
Be wise and protect yourself...

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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