Home > Money > Question
Need Expert Advice?Our Gurus Can Help

30-Year-Old Earning 55k/Month Aims for 1 Crore Corpus in 10 Years Through SIPs: Expert Advice

Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 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
Asked by Anonymous - Aug 21, 2024Hindi
Listen
Money

Hello sir,my name is Karan. I'm 30 years old earning 55k a month. I want a corpus of 1 crore in 10 year how do i achieve that investing in sip. My monthly expense is 20k I'm investing 5k in Motilal Oswal

Ans: You are investing Rs. 10,000 every month in a children's benefit fund. Your goal is to accumulate Rs. 2 crore in 18 years. This is a significant target and needs a well-structured plan.

Understanding Your Investment Strategy
Investing in a mutual fund focused on children's education is a good start. This fund is designed for long-term goals and offers growth potential. However, it’s important to assess if your current investment will meet your target.

Estimating Future Returns
To reach Rs. 2 crore in 18 years, your investment must grow consistently. The rate of return plays a crucial role here. Most equity-focused funds aim for a return of 10-12% annually. However, these returns are not guaranteed and depend on market performance.

Power of Compounding
The concept of compounding is key to reaching your goal. When your returns are reinvested, they generate further returns, leading to exponential growth. Over 18 years, compounding can significantly boost your investment.

Monthly Investment Amount
Currently, you are investing Rs. 10,000 per month. Over 18 years, this equals Rs. 21.6 lakh in total contributions. For this to grow to Rs. 2 crore, your investments need to achieve a high rate of return.

Potential Growth Scenarios
If your investment grows at an average rate of 12% per year, reaching Rs. 2 crore is achievable. However, this assumes consistent growth and no major market downturns. Market fluctuations can impact your returns, so it's essential to stay invested for the long term.

Importance of Diversification
Relying on a single fund may not be enough to meet your goal. Diversifying your investments across different funds can spread risk and potentially enhance returns. Consider adding more funds with different investment strategies to your portfolio.

Actively Managed Funds vs. Index Funds
You’ve chosen a direct plan, which typically has lower expenses but lacks professional guidance. While this may save costs, actively managed funds, with a Certified Financial Planner (CFP) guiding you, can be more beneficial. They allow for strategic decisions to maximize returns, especially in volatile markets.

Why Direct Plans May Not Be Ideal
Direct plans are often chosen for their lower expense ratios. However, they don’t come with the personalized advice that regular plans offer through a CFP. This advice can help you navigate market changes and adjust your investments accordingly. Regular plans might have higher expenses but the professional management can help optimize returns.

Staying Disciplined with SIPs
Your SIPs (Systematic Investment Plans) provide discipline in investing. Regular investments, regardless of market conditions, help you build wealth over time. This approach reduces the impact of market volatility and keeps you on track to meet your goal.

Reviewing Your Investments Regularly
It's crucial to review your portfolio regularly. As you approach your target date, you may need to adjust your investments. Moving some of your funds to safer assets can protect your accumulated wealth.

Consider Inflation
Inflation can erode your purchasing power over time. Even if you reach Rs. 2 crore, the real value might be less than expected due to rising costs. It’s important to factor in inflation while planning your financial goals.

Adjusting Your Investment Strategy
If you find that your current investment plan may fall short, consider increasing your monthly SIP amount. Even a small increase can have a big impact over 18 years due to compounding.

Avoiding Common Investment Mistakes
It’s important to avoid common pitfalls like withdrawing your investments during market downturns. Staying invested and trusting the long-term growth potential of your funds is key to achieving your financial goals.

Final Insights
Reaching Rs. 2 crore in 18 years with a Rs. 10,000 monthly investment is possible, but not guaranteed. It requires a disciplined approach, regular reviews, and possibly an increase in your SIP amount. Working with a Certified Financial Planner can provide you with the guidance needed to navigate market changes and optimize your investment strategy.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 14, 2024

Listen
Money
Hello Sir, i invest monthly in SIPS to a total of 35000. and as on date my total of sip amount has gathered to 31 lac Rs. I want a corpus of 3 crore in the next 10 years. Kindly give me your valuable suggestion on the same.
Ans: It's great to see your dedication to your financial future. Your commitment to investing in SIPs and your clear goal of accumulating Rs 3 crore in 10 years is commendable. Let's break down your current situation, evaluate your options, and outline a strategy to help you achieve your financial goals.

Understanding Your Current Investments
You invest Rs 35,000 monthly in SIPs, which has accumulated to Rs 31 lakh. This demonstrates your disciplined approach to wealth building. Systematic Investment Plans (SIPs) are a good way to invest in mutual funds, as they offer the benefits of rupee cost averaging and compounding over time.

Evaluating Your Financial Goals
You aim to achieve a corpus of Rs 3 crore in the next 10 years. This is an ambitious goal, but with a strategic approach, it is certainly achievable. Given your current investments and the time frame, we'll need to ensure your portfolio is well-diversified and aligned with your risk tolerance and financial objectives.

Portfolio Diversification and Asset Allocation
Diversification is key to managing risk and optimizing returns. Your current SIP investments need to be spread across various asset classes and sectors. A balanced portfolio might include a mix of large-cap, mid-cap, and small-cap equity funds, along with debt funds to manage risk. The right mix depends on your risk appetite and market conditions.

Regular Review and Rebalancing
It's important to regularly review and rebalance your portfolio to ensure it remains aligned with your goals. Market conditions and personal circumstances can change, so periodic adjustments are necessary. This could involve shifting funds from over-performing to under-performing assets or vice versa.

Importance of Actively Managed Funds
While index funds are often recommended for their low costs, actively managed funds can offer better returns, especially in a market like India where fund managers can exploit market inefficiencies. Actively managed funds, with the expertise of fund managers, have the potential to outperform the index. They are better suited for investors looking to achieve specific financial goals.

Benefits of Regular Funds
Investing through a Certified Financial Planner (CFP) and using regular funds can be beneficial. Regular funds offer professional management and advice, which is crucial for making informed investment decisions. A CFP can provide personalized advice, portfolio management, and periodic reviews to ensure you stay on track to meet your goals.

Avoiding Annuities and Real Estate
Annuities are often not the best investment option due to their lower returns and higher fees. They also lack flexibility and can tie up your funds for long periods. Real estate, while a popular investment, involves high transaction costs, illiquidity, and requires significant capital outlay, making it less attractive for achieving your Rs 3 crore goal.

Long-term Focus and Patience
Investing is a long-term journey. Staying focused on your goal, being patient, and avoiding knee-jerk reactions to market fluctuations is crucial. Your Rs 31 lakh accumulation is a significant achievement. Continue this disciplined approach, and over time, compounding will work in your favor.

Seeking Professional Advice
Working with a Certified Financial Planner can provide you with the expertise and guidance needed to navigate the complexities of investing. A CFP can help you develop a comprehensive financial plan, tailored to your specific needs and goals. They can also assist in selecting the right funds, managing risks, and optimizing your investment strategy.

Final Insights
Your current SIPs and accumulated corpus are a strong foundation. To achieve your Rs 3 crore goal, focus on a diversified portfolio, regular reviews, and leveraging the expertise of a CFP. Avoid high-risk and low-return investments like annuities and real estate. Stay disciplined, patient, and proactive in your investment approach.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

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

Asked by Anonymous - Aug 31, 2024Hindi
Money
I want a corpus of 2 crore in next 10 years. How much will be the monthly SIP and pls advise some funds
Ans: You’ve set a goal to accumulate Rs. 2 crore in 10 years. This is ambitious and achievable with disciplined investing. Let's explore how to achieve this.

Estimating the Required Monthly SIP
Target Corpus:
To reach Rs. 2 crore, you need to invest consistently. The amount of monthly SIP depends on expected returns.

Expected Returns:
Assuming a moderate return rate from mutual funds (around 12% per annum), you would need to invest a significant amount every month.

Monthly SIP Calculation:
A Certified Financial Planner would suggest that to achieve Rs. 2 crore, you should consider a monthly SIP of around Rs. 85,000 to Rs. 1 lakh, depending on the exact returns. This might seem high, but it's aligned with your goal.

Importance of Actively Managed Funds
Avoiding Index Funds:
Index funds may not give you the required returns. They follow the market and lack the potential for higher gains. Actively managed funds, on the other hand, are handled by professional fund managers. These managers aim to outperform the market, which could help in reaching your goal faster.

Regular Funds via MFD:
Direct funds might seem cost-effective, but regular funds through a trusted MFD with CFP credentials can provide better long-term results. MFDs offer professional advice, regular reviews, and adjustments to your portfolio. They ensure that your investments stay on track.

Suggested Fund Categories
Large-Cap Funds:
These funds invest in well-established companies. They are stable and offer consistent returns. Allocating a portion to large-cap funds reduces risk while ensuring steady growth.

Mid-Cap Funds:
Mid-cap funds have the potential for higher returns compared to large-cap funds. They invest in companies that are in the growth phase. Including mid-cap funds in your portfolio can enhance your overall returns.

Small-Cap Funds:
Small-cap funds are riskier but offer the possibility of higher returns. These funds invest in smaller companies with high growth potential. A small allocation here can boost your corpus if the companies perform well.

Flexi-Cap Funds:
Flexi-cap funds offer flexibility in investment. They can invest across different market capitalizations based on market conditions. These funds adapt to market changes, which can be beneficial in a volatile market.

Balancing Your Portfolio
Diversification is Key:
Don’t put all your money in one type of fund. A well-diversified portfolio across large-cap, mid-cap, small-cap, and flexi-cap funds will spread risk and optimize returns.

Review Regularly:
Regularly review your portfolio with the help of a Certified Financial Planner. Adjustments might be needed based on market conditions and your financial situation.

Risk Assessment and Management
Understand Your Risk Appetite:
Investing in mutual funds involves risk. It's crucial to understand your risk tolerance. If you're not comfortable with high risk, allocate more towards large-cap and flexi-cap funds.

Stay Invested:
Market fluctuations are normal. Don't panic during market corrections. Staying invested for the long term is key to achieving your financial goals.

Emergency Fund:
Before committing to high SIPs, ensure you have an emergency fund. This fund will cover unexpected expenses and prevent you from dipping into your investments.

Tax Considerations
Tax Efficiency:
Equity mutual funds are tax-efficient. Long-term capital gains (LTCG) up to Rs. 1 lakh per annum are tax-free. Gains above this threshold are taxed at 10%. Plan your investments to maximize tax efficiency.

Section 80C Benefits:
You can also consider tax-saving mutual funds under Section 80C. These funds have a lock-in period of three years but offer tax benefits along with potential returns.

Additional Financial Goals
Retirement Planning:
While working towards your Rs. 2 crore goal, don’t neglect retirement planning. Ensure that you are also contributing towards a retirement corpus. Consider options like PPF, NPS, or dedicated retirement funds.

Insurance Needs:
Ensure you have adequate life and health insurance. These are crucial for financial security. If you hold LIC, ULIP, or other investment cum insurance policies, it might be wise to review them. Surrendering these policies and reinvesting in mutual funds could yield better returns.

Steps to Start Your SIP
Choose a Reputable AMC:
Select a reputed Asset Management Company (AMC) with a good track record.

Consult a Certified Financial Planner:
Seek advice from a Certified Financial Planner to select the best funds suited to your risk profile and financial goals.

Automate Your SIPs:
Set up automatic SIPs to ensure disciplined investing. This reduces the temptation to skip payments and keeps you on track.

Finally
Achieving a Rs. 2 crore corpus in 10 years requires a disciplined approach. With the right selection of actively managed funds and regular monitoring, you can reach your goal. Diversify your investments, stay invested, and consult a Certified Financial Planner to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7337 Answers  |Ask -

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

Listen
Money
Hi, Thank you for your continue guidance. I wish to create corpus of 1 crore after 12 years from now. How much I have to invest in SIP monthly. If I have to put money in bulk how much I have to put considering appreciation of 15-18%. Please guide.
Ans: To create a corpus of Rs 1 crore in 12 years, let’s focus on more realistic expectations based on market returns. While you mentioned 15-18%, it's important to note that these returns are not consistently sustainable. A return of 12% is a more reliable assumption for long-term planning.

SIP Calculation (12% Return)
To accumulate Rs 1 crore in 12 years via a Systematic Investment Plan (SIP), here’s what you need:

SIP at 12% return: You will need to invest approximately Rs 43,000 per month for 12 years.
This assumes a 12% annual rate of return compounded monthly.
Lump Sum Calculation (12% Return)
For a lump sum investment, if you want to achieve Rs 1 crore in 12 years, the amount required is:

Lump sum at 12% return: You will need to invest approximately Rs 35 lakhs today.
This also assumes a 12% annual rate of return.
Why 12% is Realistic
While it’s tempting to expect higher returns of 15-18%, they come with higher volatility and risk. Historical returns in equity markets tend to average around 10-12% over the long term, which provides a balance between risk and return.

Key Takeaways
SIP at 12% return: Invest Rs 43,000 monthly for 12 years to reach Rs 1 crore.
Lump sum at 12% return: Invest Rs 35 lakhs today to reach Rs 1 crore after 12 years.
Final Insights
Focusing on a 12% return for your SIP or lump sum investment is more realistic for long-term wealth creation. It balances the potential for growth with a sustainable level of risk. Both approaches—SIP and lump sum—have their advantages, and you can choose based on your cash flow and risk tolerance.




Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Pushpa

Pushpa R  |37 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Dec 27, 2024

Listen
Health
I HAVE CONSTIPACATION PROBLEM WICH AASAN RELIVE FROM THIS PROBLEM
Ans: Constipation can be uncomfortable, but yoga is an excellent way to stimulate digestion and relieve this issue. Here are some simple asanas you can try regularly to help improve bowel movements:

1. Pavanamuktasana (Wind-Relieving Pose)
Lie on your back and bring one knee to your chest, holding it with your hands.
Press your knee gently into your abdomen while keeping the other leg straight.
Switch legs and repeat, or do both knees together.
This pose massages your abdominal organs and promotes digestion.
2. Marjaryasana-Bitilasana (Cat-Cow Pose)
Begin on all fours.
As you inhale, arch your back (Cow Pose) and look up.
As you exhale, round your back (Cat Pose) and tuck your chin to your chest.
Repeat slowly for 8-10 breaths to massage your digestive organs and improve gut motility.
3. Malasana (Garland Pose)
Squat down with your feet wide apart and palms together at your chest.
Keep your spine straight and hold this pose for a few breaths.
This pose helps open up the pelvic area, aiding digestion and elimination.
4. Paschimottanasana (Seated Forward Bend)
Sit with your legs straight and bend forward from your hips, reaching for your toes.
This stretches the abdominal area and stimulates digestion.
Tips:

Drink plenty of water and include fiber-rich foods in your diet.
Practice these poses daily, but avoid forcing your body into any position.
If constipation persists, consult a doctor and consider working with a yoga coach for personalized guidance.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

...Read more

Ravi

Ravi Mittal  |475 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 26, 2024

Listen
Relationship
I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
Ans: Dear Moumita,
It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 25, 2024
Relationship
Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?
Ans: While it’s commendable that she is honest about her feelings and gives you the freedom to make your choices, it’s equally important to consider whether her values and actions align with what you need in a partner. Relationships thrive when there’s mutual respect, understanding, and agreement on boundaries. If her actions or mindset make you feel undervalued or emotionally unsafe, it’s crucial to reflect on whether this relationship is truly serving your well-being.

The fact that you’ve tried to move on multiple times suggests that there is a deeper discomfort within you about the dynamics between you two. Trust is not just about fidelity; it’s about emotional safety, reliability, and mutual respect. If her behavior consistently makes you question her commitment or your place in her life, that erosion of trust can become difficult to rebuild.

As for her mental and medical challenges, it’s important to approach those with empathy, but also with a clear understanding that you cannot "fix" or "heal" someone unless they are actively seeking and working toward their own well-being. If she has not addressed her mental health or continues behaviors that affect the relationship without taking responsibility, it can lead to ongoing strain for you. Her mental health challenges are not excuses for harmful behavior, nor should they become reasons for you to sacrifice your own emotional health.

You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

If you decide to stay, open communication and possibly couples’ therapy could help bridge the gaps. If you choose to move on, trust that this decision is about prioritizing your well-being and finding a relationship that aligns with your values and needs. Either way, your happiness and emotional health should come first.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
Listen
Relationship
Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?
Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
Listen
Relationship
Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?
Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

...Read more

Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
Listen
Health
Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

...Read more

Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
Listen
Health
Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x