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Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 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
Vikram Question by Vikram on Jun 03, 2024Hindi
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Hello sir I want to invest 40 lakhs for getting monthly fixed income. Please suggest me which is the best platform to get it and how much can I get it ?? Our advice will be very valuable for me to go ahead.

Ans: Understanding SWP for Monthly Fixed Income
Investing Rs 40 lakhs to generate a monthly fixed income is a wise decision. Systematic Withdrawal Plan (SWP) through Mutual Funds Distributor (MFD) is an effective strategy.

Benefits of SWP through MFD
Regular Income:
SWP allows you to withdraw a fixed amount regularly. This ensures a steady monthly income.

Tax Efficiency:
SWP withdrawals are more tax-efficient compared to traditional fixed income options. Only the capital gains portion of the withdrawal is taxed.

Flexibility:
You can choose the amount and frequency of withdrawals. This flexibility helps in meeting your specific income needs.

Professional Management:
Investing through an MFD ensures that your funds are managed professionally. This enhances potential returns and risk management.

Steps to Implement SWP through MFD
1. Select Suitable Mutual Funds:
Choose funds that align with your risk tolerance and financial goals. Balanced or hybrid funds are typically recommended for SWP.

2. Determine Withdrawal Amount:
Decide the fixed amount you need monthly. Ensure it is sustainable based on the expected returns of the chosen funds.

3. Initiate SWP:
Set up the SWP with your chosen MFD. Specify the withdrawal amount and frequency.

Projecting Monthly Income from Rs 40 Lakhs
Assumed Returns:
Let's assume an average annual return of 8% from a balanced mutual fund. This return is achievable with a mix of equity and debt.

Withdrawal Calculation:
A conservative withdrawal rate is around 6% per annum. This ensures the corpus is not depleted quickly.

Example Calculation
Initial Investment: Rs 40 lakhs.
Annual Return: 8%.
Monthly Withdrawal Rate: 0.5% of the initial corpus (6% annually).
Monthly Income:

Rs 40,00,000 * 0.005 = Rs 20,000.
You can expect around Rs 20,000 per month. This is a conservative estimate to ensure the corpus lasts longer.

Factors to Consider
Market Volatility:
Market fluctuations affect mutual fund returns. A diversified portfolio mitigates this risk.

Inflation:
Inflation erodes purchasing power over time. Ensure your withdrawal amount is periodically reviewed and adjusted.

Reinvestment:
Reinvesting a portion of the returns back into the fund helps in maintaining the corpus.

Advantages of SWP through MFD
1. Capital Appreciation:
The invested corpus continues to grow even as you withdraw. This balances income generation with capital growth.

2. Professional Guidance:
MFDs provide expert advice on fund selection and withdrawal strategies. They help in maximizing returns and minimizing risks.

3. Convenience:
SWP setup through MFD is straightforward. It ensures timely withdrawals without manual intervention.

Conclusion
Investing Rs 40 lakhs through SWP with the help of an MFD is a prudent strategy for generating monthly fixed income. It offers regular income, tax efficiency, and professional management.

By choosing suitable funds and a sustainable withdrawal rate, you can enjoy a steady income while preserving your corpus. Consulting with a certified financial planner for personalized advice ensures your financial goals are met efficiently.

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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Hardik

Hardik Parikh  |106 Answers  |Ask -

Tax, Mutual Fund Expert - Answered on Apr 11, 2023

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Hi..i am 48..i want to invest 50 lacs in total out of which I want Rs.25000 as fixed monthly income and remaining amount I wish to invest for 5 years+.. please suggest.regards
Ans: Dear Rajshekhar,

Thank you for reaching out for financial advice. Based on your requirements, I suggest the following investment strategy to achieve a fixed monthly income of Rs. 25,000 and invest the remaining amount for 5 years or more.

Fixed monthly income:
To achieve a fixed monthly income of Rs. 25,000, you can consider investing in a combination of fixed deposits, post office monthly income schemes, or debt mutual funds with a dividend payout option.
For instance, if you invest Rs. 30 lakhs in a fixed deposit or a post office monthly income scheme with an annual interest rate of around 6%, you can generate a monthly income of approximately Rs. 25,000. However, please note that the interest rates might vary depending on the bank, post office, or financial institution you choose. Do consider taxes and inflation while making these investments.

Investment for 5 years+:
For the remaining Rs. 20 lakhs, you can consider a mix of equity and debt mutual funds. A balanced or hybrid mutual fund, which invests in both equity and debt securities, can be a good option for a 5-year investment horizon. This diversified approach can help in achieving moderate returns with lower risk exposure.
You can also explore other investment options such as National Pension System (NPS) or tax-saving fixed deposits if you're looking to save for your retirement or avail tax benefits.

Please note that this is general advice, and I would recommend consulting with a certified financial planner or advisor for a personalized investment plan based on your risk tolerance, financial goals, and specific circumstances.

I hope this helps you in achieving your financial objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 10, 2024Hindi
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Hello sir, I want to invest 30 lakhs to generate monthly income, which is the best to get every month income? I need your valuable advice?
Ans: Generating Monthly Income: A Strategy for Investing 30 Lakhs

Understanding Your Financial Objective:

Hello! I appreciate your proactive approach towards financial planning. Let's explore the best options to generate a steady monthly income from your investment of 30 lakhs.

Assessing Income Needs:

Before diving into investment options, it's crucial to understand your monthly income requirements and risk tolerance to tailor a suitable strategy.

Exploring Income Generating Options:

We'll evaluate various investment avenues that offer regular income, such as fixed deposits, debt mutual funds, dividend-paying stocks, and systematic withdrawal plans (SWPs) from mutual funds.

Benefits of Fixed Deposits:

Fixed deposits provide a stable source of income with guaranteed returns. However, they may offer lower returns compared to other investment avenues and are subject to taxation.

Benefits of Debt Mutual Funds:

Debt mutual funds invest in fixed-income securities like bonds and government securities, offering potentially higher returns than fixed deposits. They also provide liquidity and tax efficiency.

Disadvantages of Direct Equity Investments:

Direct equity investments can be volatile and may not suit investors seeking stable income. Additionally, managing a diversified equity portfolio requires time and expertise.

Benefits of Systematic Withdrawal Plans (SWPs):

SWPs allow you to withdraw a predetermined amount from your mutual fund investments at regular intervals, providing a steady income stream while potentially benefiting from capital appreciation.

Disadvantages of Index Funds:

Index funds may not be ideal for generating regular income as they track specific market indices and may not prioritize dividend yield or income generation.

Benefits of Actively Managed Funds:

Actively managed funds offer the flexibility to adapt to market conditions and select dividend-paying stocks or fixed-income securities to optimize income generation.

Considering Tax Implications:

It's essential to assess the tax implications of your investment income and explore tax-efficient options to maximize your after-tax returns.

Consultation with a Certified Financial Planner:

Engaging with a Certified Financial Planner (CFP) ensures personalized advice tailored to your financial goals and risk tolerance. A CFP will help optimize your investment strategy to meet your income needs effectively.

Conclusion:

In conclusion, generating a monthly income from your investment of 30 lakhs requires a careful assessment of various options. By diversifying your portfolio across fixed deposits, debt mutual funds, and SWPs from mutual funds, you can create a sustainable income stream aligned with your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7915 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

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Hello Experts, I have a to invest a lump some amount of 10L for next 2years... Let me know the right investment platform... Thank you ????
Ans: Investing Rs. 10 lakh for a period of 2 years requires a careful approach. It's important to balance returns with safety and liquidity. Here are some recommended options.

Debt Mutual Funds
Advantages:

Lower risk compared to equity funds.

Suitable for short-term investment horizons.

Recommendation:

Short Duration Funds:

Invest in funds that offer stability and consistent returns.

Ideal for a 2-year period.

Corporate Bond Funds:

Focus on high-rated corporate bonds.

Provides better returns with moderate risk.

Fixed Deposits (FDs)
Advantages:

Assured returns with minimal risk.

Suitable for conservative investors.

Recommendation:

Bank Fixed Deposits:

Choose a reputed bank for better interest rates.

Ensure the FD term aligns with your 2-year investment horizon.

Corporate Fixed Deposits:

Opt for high-rated corporate FDs for slightly higher returns.

Check the credit rating and financial stability of the company.

Liquid Mutual Funds
Advantages:

High liquidity with low risk.

Better returns compared to savings accounts.

Recommendation:

Liquid Funds:

Invest in funds that provide quick access to your money.

Suitable for managing short-term cash needs.

Ultra-Short Duration Funds
Advantages:

Invests in debt securities with very short maturity periods.

Lower interest rate risk.

Recommendation:

Ultra-Short Duration Funds:

Focus on funds with a good track record.

Ideal for parking funds with better returns than savings accounts.

Recurring Deposits (RDs)
Advantages:

Regular savings with fixed returns.

Low risk investment option.

Recommendation:

Bank Recurring Deposits:

Suitable for systematic savings over the 2-year period.

Ensure you choose a bank with competitive interest rates.

Diversified Portfolio
Advantages:

Spreads risk across multiple asset classes.

Enhances overall returns.

Recommendation:

Combination of Debt and Liquid Funds:

Allocate funds between short duration, liquid, and ultra-short duration funds.

Balances risk and provides better returns.

Key Considerations
Risk Tolerance:

Low Risk: Opt for fixed deposits and ultra-short duration funds.

Moderate Risk: Consider short duration and corporate bond funds.

Liquidity Needs:

Ensure a portion of the investment remains easily accessible.

Liquid and ultra-short duration funds provide high liquidity.

Professional Guidance:

Consult a Certified Financial Planner for tailored advice.

Align investments with your financial goals and risk profile.

Final Insights
Investing Rs. 10 lakh for a 2-year period requires a balanced approach. Consider debt mutual funds, fixed deposits, liquid funds, and ultra-short duration funds. Diversify your investments to spread risk and enhance returns. Regularly monitor your portfolio and seek professional guidance for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Dr Nagarajan Jsk

Dr Nagarajan Jsk   |237 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Feb 09, 2025

Career
My granddaughter is preparing for NEET 2025. She has born in Telangana and studied upto 1st class in Telangana. Due to her father’s overseas assignment at USA she moved to USA and studied upto 10th class there. The family moved to India in 2023. So she is now doing Intermediate now in Telangana. My question is whether she comes to be local for Telangana state or not for NEET admissions.
Ans: Hi Prabhakara,

Greetings!

Your situation is quite unique. Your granddaughter was born in Telangana and is now pursuing her +1 education there after a gap of nine years. However, according to the government norms for NEET 2024, meeting the requirements to establish domicile in Telangana may be challenging.

NEET Domicile Criteria
In the context of MBBS and BDS admissions for state quota seats in Telangana, it is important to understand the distinctions between local and non-local candidates as stipulated by the Telangana NEET admission rules for the year 2024. The local status is further subdivided into areas associated with Osmania University (OU), Andhra University (AU), and Sri Venkateswara University (SVU). AU’s local area comprises seven districts, while SVU’s area encompasses five districts. Non-local candidates are exclusively eligible for 15% of unreserved seats, whereas local candidates can vie for both the 15% unreserved seats and the remaining 85% of seats allocated within their respective local areas.

Telangana Local Area Candidates:
Students hailing from the districts falling under AU, SVU, or OU regions are considered local area NEET domicile applicants for MBBS/BDS admissions in local institutions, as well as any other educational institutions under the purview of the State Government situated within these local areas.
AU Local Area: Srikakulam, Vizianagaram, Visakhapatnam, East Godavari, West Godavari, Krishna, Guntur, and Prakasham.
OU Local Area: Adilabad, Hyderabad, Rangareddy, Karimnagar, Khammam, Mahaboobnagar, Medak, Nalgonda, Nizamabad, and Warangal.
SVU Local Area: Ananthapur, Kadapa, Kurnool, Chittoor, and Nellore.
NEET Domicile Criteria for Telangana:
To qualify as a local candidate, applicants must fulfill one of the following criteria:
1. Studied in a school/college within the local area for a minimum continuous period of 4 years immediately preceding the year they appear for the relevant qualifying examination.
2. Resided within the local area for a minimum continuous period of 4 years immediately preceding the year they appear for the relevant qualifying examination.
For candidates who do not meet the above criteria but have studied in educational institutions within the state for a minimum of 7 consecutive academic years, ending with the year of application for NEET, the following conditions apply:
– They are considered local in relation to the local area where they have studied for the maximum number of years out of the said 7 years.
– If the period of study in two local areas is equal, they may choose either for local status.
– If they have not studied in any educational institutions in the state but have resided in any local area or two local areas (for an equal period) for a minimum continuous period of 7 years, they may be considered local.
The following categories can apply for the 15% unreserved seats:
1. Candidates who have resided in the state for a total period of ten years, excluding periods of study outside the state, or whose parents have resided in the state for a total period of ten years, excluding periods of employment outside the state.
2. Candidates whose parents are employed by the state or Central Government, Public Sector Corporations, local bodies, Universities, Educational institutions, and similar quasi-public institutions within the state.
3. Candidates whose spouses are employees of the state or Central Government, Public Sector corporations, local bodies, Universities, Educational institutions recognized by the Government or University, or other competent authorities, and similar quasi-Government Institutions within the state.
Domicile Criteria for Management Quota Seats:
Candidates from across the country are eligible to apply for Management Quota seats (Category B and C-NRI) if they meet the requisite subject and qualifying mark criteria in their 10+2 education.
Applicants who have completed their qualifying education outside Telangana state must provide a “Certificate of Equivalence” from the Board of Intermediate Education of Telangana.
Candidates who have completed their qualifying education outside India must provide a “Certificate of Equivalence” issued by the Association of Indian Universities, New Delhi, and the Board of Intermediate Education of Telangana.
Given the details above, your granddaughter would need to have resided in Telangana for a minimum of four years to obtain a residence certificate. Since she was born before the state formation, I recommend consulting with a Notary Public to explore potential benefits or exceptions. This is my suggestion.

...Read more

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Rajesh Kumar Singh  |49 Answers  |Ask -

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Kanchan

Kanchan Rai  |533 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Sep 02, 2024Hindi
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Relationship
I am an SC and my gf is brahmin, we are in love for more than 2 years and decided to marry, i convinced my parents. But her parents are cruel in this aspect only, they threaten her of her life and threatens me to complain in police, And anyone can tell that this is wrong but as parents are willing to do anything for their children, same is true with their children, I am afraid if we include authorities things might turn bad especially with our parents. They threaten her can make her say no to me if we take it legally even though she doesn’t want to. I am financial independent but she has spent her entire life (age 29) in her house, what can we do?
Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

...Read more

Kanchan

Kanchan Rai  |533 Answers  |Ask -

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Kanchan Rai  |533 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Sep 07, 2024Hindi
Listen
Relationship
I am an SC and my gf is brahmin, we are in love for more than 2 years and decided to marry, i convinced my parents. But her parents are cruel in this aspect only, they threaten her of her life and threatens me to complain in police, And anyone can tell that this is wrong but as parents are willing to do anything for their children, same is true with their children, I am afraid if we include authorities things might turn bad especially with our parents. They threaten her of her life and killing themselves, can make her say no to me if we take it legally even though she doesn’t want to. I am financial independent (age 29) but she has spent her entire life (age 29) in her house, what can we do?
Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

...Read more

Kanchan

Kanchan Rai  |533 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Relationship
Hello Mentors, I'm 38 year old women, facing a toxic married life from past 10 years. I have a son who is 8 years old. I have lost my mom 8 years back n my dad 5 years back.I m d only child of my parents. I have done my MBA in HR n Marketing. Have done work before marriage, but after marriage things changes, my husband refused to allow me to work along with my in laws n he always behaves very badly with me insults me all time in front of my in laws too. He beats me every month still now also.I lost my mom she was suffering from cancer. Her cancer got detected when I was just 1 month pregnant, i m d one who takes care of her treatment taking her to chemo therapy n follow up with doctor, yes my dad was their with me, but he was also broke down as my mom was d back bone of my family. Inspite of my pregnancy I ran door to door of hospitals n doctors till I was stepped into 9 month of my pregnancy. My husband never supported me at that time too..Infact he n my mother in law's stated that if I'm enough for taking care of my mom then I must go to my doctor for my own check ups too...Yes I went for my usgs alone only at first time he went with me.. Now the main problem is he didn't changed at all he is repeating all his deeds infront of my child n my child is also following him from last 1 years, My son also said, if I scold him for his studies or food, he said what papa did is correct, it's good that he beats you, you leave our home this is not your home... My son loves me a lot that I know but he is just 8 n getting confused whom to follow...many a times he came to n said sorry for his bad behaviour but again if such incidents happens in front of him by his father again he changes his mind . My husband didn't give me a single penny, I take care of my own expenses from my house rent..( parental home as their is no one to stay now)..n it's d only source of income..though it's a very small amount.Even though he never helps me to take care of my baby ..He said if you want to work then put ur child into a hostel.. I took care of my home n child all alone..infact my in-laws are less bother about my child too... My son is deprived with every relationship of grand parents uncles n aunts.. My husband always demotivates me, mentally n physically abuse me n he also states that I'm an not an eligible person to became a good mom or even to get any job n all this infront of my child. I really want to get rid of him for d sake of my child n me too..I m totally into depression n lost all my confidence, I want to be financially free, when ever I want to file a divorce my son said no as he want both of us..for him only m dragging this bull shit relationship... N side by I'm looking for a job, but I have a big gap of almost 11 years now...M confused where to approach..n what should I tell to the employers if they ask for my career gap .m looking for a WFH as I dnt have any trust worthy person to take care of my baby...But m failed to find such. Please suggest me what should I do, how to take call on each of my problems.. I know d post is long...10 years is not a short time though..there is many many more to tell but I tried to keep it Short as much as i can . Thanks a lot ...
Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

...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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