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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 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 - Dec 27, 2023Hindi
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I want to invest 5000 Rs. In medium risk fund for 20 yrs. So which fund is good for me for investment??

Ans: For a medium-risk investment over a 20-year horizon, diversified equity mutual funds are suitable. These funds spread investments across sectors and market caps for balanced risk. Consider factors like fund manager track record, expense ratio, and fund house reputation. Look for consistent historical performance aligned with your risk tolerance. Choose funds matching your investment objective, such as large-cap, multi-cap, or balanced funds. Prioritize research or seek advice from a financial advisor to ensure your investment aligns with your goals and risk appetite.
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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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

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

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PLS SUGGEST WHICH M.FUND SHOULD I INVEST FOR TEN YEARS FOR 5000RS MONTHLY
Ans: Strategic Mutual Fund Selection for Long-Term Wealth Creation

Investing in mutual funds is a prudent strategy for long-term wealth accumulation, especially when considering a ten-year horizon. Let's delve deeper into the process of selecting suitable mutual funds for this purpose.

Understanding Investment Objectives

Before diving into fund selection, it's crucial to understand your investment objectives. As a Certified Financial Planner, I appreciate your goal of securing your financial future over the next decade. By considering factors like risk tolerance, time horizon, and financial goals, we can craft a tailored investment strategy to meet your needs.

Selecting Mutual Funds: Actively Managed Funds for Long-Term Growth

Active management offers the potential to outperform the market over the long term through skilled fund management and strategic decision-making. When choosing mutual funds for a ten-year investment horizon, consider the following:

Equity-Oriented Active Funds: Actively managed equity funds have the flexibility to capitalize on market opportunities and navigate market downturns effectively. Look for funds managed by experienced fund managers with a proven track record of delivering consistent returns.

Regular Funds via MFDs: Investing through a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers personalized guidance and tailored investment solutions. MFDs can help you select suitable funds based on your risk profile, investment goals, and financial circumstances. They provide ongoing support, monitoring, and portfolio rebalancing, ensuring your investments remain aligned with your objectives.

Diversification and Asset Allocation: Opt for actively managed funds that offer broad diversification across different sectors, market capitalizations, and investment styles. This diversification helps spread risk and enhances the potential for long-term wealth creation. Your CFP-MFD can assist in designing a well-balanced portfolio with an appropriate asset allocation strategy to suit your risk tolerance and investment horizon.

Mitigating Risks

While equity investments offer the potential for high returns, they also come with inherent risks. Here's how you can mitigate these risks:

Diversification: Your CFP-MFD can help you construct a diversified portfolio comprising multiple actively managed funds. Diversification across asset classes, sectors, and geographical regions helps mitigate concentration risk and provides a buffer against market volatility.

Regular Monitoring and Review: Your CFP-MFD will monitor your portfolio regularly, keeping you informed about its performance and market developments. Periodic reviews enable timely adjustments to your investment strategy, ensuring it remains aligned with your long-term financial goals.

Conclusion

In conclusion, investing in actively managed mutual funds through a CFP-MFD offers a personalized approach to wealth creation and financial planning. By selecting quality funds, maintaining a diversified portfolio, and receiving ongoing guidance from your CFP-MFD, you can navigate market uncertainties and work towards achieving your long-term financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 23, 2024

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For investing 20 lakh one time which mutual fund is best for 5 years
Ans: Investing Rs. 20 lakhs as a one-time investment for five years is a significant decision. Your primary goals likely include capital preservation, steady growth, and low risk. However, understanding your risk tolerance is crucial. Let's evaluate different mutual fund categories that align with a five-year investment horizon.

Choosing the Right Mutual Fund Category
For a five-year investment, certain mutual fund categories stand out. These options balance growth and safety, ensuring your money works efficiently.

Balanced Advantage Funds:
These funds manage risk well by dynamically adjusting between equity and debt. They are ideal if you seek moderate growth with reduced volatility.

Large-Cap Funds:
Investing in large-cap funds offers stability. They invest in top-tier companies with proven track records. This is suitable for conservative investors who prioritise capital preservation.

Hybrid Funds:
Hybrid funds combine equity and debt, offering a balanced risk-return profile. They provide moderate growth and are suitable if you want diversification.

Multi-Cap Funds:
These funds invest across large, mid, and small-cap stocks. They offer the potential for higher returns but come with slightly higher risk. Ideal if you have a moderate risk appetite.

Aggressive Hybrid Funds:
These funds have a higher allocation to equity compared to debt. They offer higher returns with manageable risk, suitable for those who can tolerate some market fluctuations.

Analytical Insights on Fund Selection
Given the five-year horizon, the selected fund category should offer a balance between risk and return. Here’s an analytical breakdown:

Equity Allocation:
Funds with higher equity exposure generally offer better returns over five years. However, they come with market risks. A balanced approach, combining equity and debt, reduces volatility.

Dynamic Asset Allocation:
Funds with dynamic allocation adjust between equity and debt based on market conditions. This approach reduces risk during downturns while capturing growth during uptrends.

Risk Mitigation:
Hybrid and Balanced Advantage funds automatically reduce risk. They shift assets to debt when markets are high and increase equity when valuations are attractive.

Evaluating Actively Managed Funds
When investing for five years, actively managed funds often outperform passive options. Here’s why:

Market Expertise:
Fund managers actively select stocks, aiming to outperform the market. This can lead to better returns than passive index funds, especially during volatile periods.

Tactical Asset Allocation:
Actively managed funds adjust portfolios based on market trends. This flexibility helps capture growth opportunities and manage risks more effectively.

Downside Protection:
Actively managed funds often include strategies to protect against market downturns. This is crucial for preserving capital during volatile periods.

Disadvantages of Index Funds for Your Investment
Index funds track market indices passively. While they offer low costs, they lack flexibility. Here’s why they may not suit your five-year goal:

No Downside Protection:
Index funds mirror the market. If the market drops, so does your investment. There’s no active management to cushion against losses.

Limited Growth Potential:
Index funds match market returns. They can’t outperform, even if opportunities exist. Active funds, on the other hand, aim to exceed market returns.

Lack of Tactical Allocation:
Index funds do not adjust their allocation. This rigidity can be a disadvantage, especially in a five-year time frame where markets can be volatile.

Disadvantages of Direct Funds
While direct funds seem cost-effective, they may not always be the best choice. Here’s why:

Limited Guidance:
Investing directly means you manage everything. Without a Certified Financial Planner, you might miss critical adjustments or strategic shifts.

Complexity and Time:
Managing direct investments requires time and expertise. A Certified Financial Planner adds value by monitoring and rebalancing your portfolio, which direct investors often overlook.

Missed Opportunities:
Direct investors may not react quickly to market changes. Professionals, however, are always on the lookout for opportunities and risks.

Recommended Approach for Your Investment
Based on your five-year horizon and investment amount, here’s a recommended approach:

Diversified Investment:
Consider splitting your Rs. 20 lakhs between Balanced Advantage Funds and Multi-Cap Funds. This diversification offers stability and growth.

Staggered Investment:
Although you plan a one-time investment, consider staggering it over a few months. This reduces timing risk, especially in volatile markets.

Regular Review:
Work with a Certified Financial Planner to review and adjust your portfolio regularly. This ensures alignment with market conditions and your financial goals.

Stay Invested:
The five-year horizon requires patience. Avoid frequent changes and trust the strategy, letting your money grow.

Final Insights
Investing Rs. 20 lakhs for five years is a smart decision. With the right mutual fund category and professional guidance, you can achieve balanced growth while managing risk. Actively managed funds, particularly those with a dynamic or hybrid approach, align well with your goals. Avoid passive index funds if growth and risk management are your priorities. Regular consultations with a Certified Financial Planner will keep your investment on track and maximise your returns.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 29, 2024

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I want invest 40000 per month for 20 years suggest 4 to 6 mutual fund name
Ans: Investing Rs. 40,000 per month in mutual funds for 20 years is a solid financial decision. With this approach, you can achieve significant wealth accumulation and meet long-term goals. Below, I’ve structured a professional guide with insightful recommendations for a diversified portfolio of mutual funds.

Asset Allocation Strategy for Long-Term Growth
A 20-year horizon allows you to take calculated risks for higher returns. Here's an allocation strategy to consider:

Large-Cap Funds: Stability and consistent growth
Mid-Cap Funds: Balanced risk and return potential
Small-Cap Funds: High-growth opportunities over the long term
Hybrid Funds: Cushion during market volatility
This combination ensures balanced growth with reduced risks.

Categories to Include in Your Portfolio
Here are recommended categories with explanations:

Large-Cap Equity Funds (Rs. 10,000 Monthly)
Focus on investing in funds with a history of stability and steady returns.
Large-cap funds invest in established companies with consistent growth.
Suitable for risk-averse investors aiming for dependable performance.
Three-line space.

Mid-Cap Equity Funds (Rs. 10,000 Monthly)
Mid-cap funds provide a good mix of growth and moderate risk.
These funds invest in companies with strong growth potential.
Ideal for investors with a medium-to-high-risk appetite.
Three-line space.

Small-Cap Equity Funds (Rs. 8,000 Monthly)
Small-cap funds are volatile but offer the highest long-term returns.
Investing in small-cap funds requires patience to handle market swings.
These funds are best suited for wealth creation over 15–20 years.
Three-line space.

Hybrid Funds (Rs. 7,000 Monthly)
Hybrid funds diversify across equity and debt for balanced growth.
They provide stability during market downturns.
Suitable for achieving consistent performance with controlled risk.
Three-line space.

Sectoral or Thematic Funds (Rs. 5,000 Monthly)
Sectoral funds invest in specific sectors like technology or healthcare.
Thematic funds follow emerging market trends, enhancing returns.
Only allocate if you are comfortable with higher risk.
Why Avoid Index Funds?
Index funds mimic the market and lack active management. Here's why they might not suit your portfolio:

Limited Upside Potential: They merely track benchmarks without seeking higher returns.
No Downside Protection: Lack of proactive management can lead to higher losses in downturns.
Higher Taxation Impact: Active funds offer better post-tax returns with consistent rebalancing.
Instead, actively managed funds deliver better performance, especially in volatile markets.

Direct Plans vs. Regular Plans: Which Is Better?
While direct plans have lower expense ratios, regular plans offer critical advantages:

Expert Guidance: Regular plans through Certified Financial Planners (CFPs) come with professional advice.
Time-Saving: You save time by relying on CFPs for fund selection and rebalancing.
Better Decision-Making: Regular plans ensure informed decisions for long-term growth.
By investing through regular plans with an experienced CFP, you can maximise returns.

Benefits of Your 20-Year Investment Plan
Your Rs. 40,000 monthly investment over 20 years offers significant advantages:

Compounding Power: The longer the investment, the greater the compounding effect.
Financial Independence: Helps achieve life goals like retirement or children’s education.
Inflation Protection: Equity funds outpace inflation over the long term.
Taxation Rules to Keep in Mind
Understanding tax implications ensures better planning:

Equity Funds: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.
Debt Funds: Both LTCG and STCG are taxed as per your income tax slab.
Hybrid Funds: Taxation depends on equity allocation within the fund.
Keep track of tax-efficient withdrawal strategies after 20 years.

Important Considerations for Your Portfolio
Rebalance Regularly: Review your portfolio every 6–12 months.
Diversify Smartly: Avoid over-allocation in any single category.
Stay Disciplined: Stick to your plan regardless of market fluctuations.
Consult a CFP: Regular consultation ensures alignment with financial goals.
Final Insights
Your decision to invest Rs. 40,000 monthly reflects strong financial foresight. By diversifying into different fund categories, you can build a solid portfolio for long-term growth. Avoid chasing short-term trends and remain committed to your strategy.

Investing through a Certified Financial Planner ensures tailored advice for your unique needs. Stay consistent, review periodically, and let time work in your favour.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

..Read more

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Milind

Milind Vadjikar  |956 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 02, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Hello;

Yes you should settle off the outstanding home loan.

Also you may open an NPS account for retirement planning. Do contribute to it on a regular basis and also do onetime lumpsum investment.

Also open an PPF account with investment of 12.5 K per month.

Get sufficient term plan coverage for atleast 20 years and not less.

No need to invest in pension plan if you are investing in NPS. It is far superior in terms of tax liability, flexibility, returns and costs.

Prefer hybrid mutual funds(dynamic asset allocation or multi asset allocation fund)for your investments.

Buy a good health insurance cover for yourself and your daughter irrespective of group policy, if any, available from employer.

Do nomination in all your financial investments and also make a legally valid will.

In a nutshell, you will have 3 investments PPF, NPS and mutual funds (hybrid) and insurance premiums for term cover and healthcare policy.

Loss of partner is very difficult to deal with but you also need to focus on the education of your daughter and guide her for better prospects.

Best wishes;
X: @mars_invest

...Read more

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Oct 07, 2024Hindi
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Married for 14 years have 4 kids below 7 age for the past 9 to 10 years going through troubled marriage, not happy. Misunderstanding, high expectations, manipulation and single handed decisions by my wife have exhausted me . Want to come out of marriage but worried of kids and also my wife says no to divorce. Don't know what to do.. First 2 kids by IVF 2nd two kids due to my wife's longing for male child
Ans: Your love for your kids is evident, and it’s natural to fear how a separation would affect them. But the reality is, children pick up on tension, conflict, and unhappiness at home. Staying in a marriage that drains you emotionally and mentally isn’t necessarily better for them in the long run. Kids need a stable, loving environment, and if you’re constantly feeling manipulated and exhausted, it affects the energy you bring into their lives.

You don’t have to make a rushed decision, but you do need clarity. Have you tried setting firm boundaries and communicating your need for a more balanced relationship? If you’ve already done everything you can and nothing has changed, then it may be time to explore legal options, even if she says no to divorce. In most cases, a divorce doesn’t require both partners to agree—it just makes the process more complicated.

You deserve a life where you feel respected, valued, and emotionally free. Your children deserve a father who is at peace, not one who is silently suffering. It might be hard to take the next step, but staying in an unhappy marriage just for the sake of avoiding conflict can take a greater toll on everyone involved. You need to consider what will truly allow you—and your kids—to have a healthier and happier future.

...Read more

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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I am 41, but single now. I got married when I was 32 and got divorced in 6 months after I found out my wife was cheating on me with her ex who she was forbidden from getting married. When confronted she simply walked away and sent me a divorce notice. The next three years were spent in courts trying to tell my version of the story. Since then I have had a tough time trusting people. My marriage was unfortunate and short lived. But my parents still want me to try again. I am in a live-in relationship with a girl who is 3 years elder to me. Are unmarried couples happier than married ones? I feel marriage can restrict you in many ways which is why people feel stagnated and bored. What do you think?
Ans: When it comes to happiness, it really depends on the individuals involved rather than whether they are married or unmarried. Some couples thrive in a marriage because they see it as a partnership built on mutual respect and emotional security. Others feel stifled by the societal expectations and responsibilities that often come with marriage. A live-in relationship can offer more flexibility and personal freedom, but it also comes with its own challenges—such as a lack of legal protections or social acceptance in certain cultures.

The key is understanding what works best for you. If you feel content in your current live-in relationship and it gives you the companionship, trust, and emotional fulfillment you need, then that’s what truly matters. However, if you feel hesitant mainly because of past trauma rather than your actual desires, it might be worth reflecting on whether your fears are holding you back from something you may actually want deep down.

At the end of the day, happiness isn’t about being married or unmarried—it’s about being in a relationship (or choosing to be single) that makes you feel emotionally secure, valued, and free to be yourself. If marriage feels like a cage to you, then it may not be the right path. But if you ever find a connection that makes commitment feel like a choice rather than an obligation, your perspective might shift. The most important thing is that whatever path you choose, it aligns with your true needs and not just the expectations of others.

...Read more

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 23, 2025Hindi
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Relationship
Hello there!! There are past trauma experiences in my relationship due to caste issue since my family are strictly against it . But I eventually liked another boy seeing his true love n affection n care towards me , he loved me since our skl days !! He expressed himself but i gave him my answerr after many yrs due my past experiences!! But eventually we had a healthy relationship ,and he told me he is of same caste!! Since his father lied to him related to this to keep him away from this caste called thing!! But now his father relved tht it was a lie !! Now we ended up intercaste!! We truly love each other we dreamt of our future together!! He became huge part of my life !! His family is okay with me regarding our marriage but my family is strongly opposed to this intercaste thing!! We are 24 yrs we thought of settle in our lifes and approach my parents few years back since untill fewdays back we together thought we are of same caste so there eill be no issue!! But now within few days n few lies our both world n hopes turned upside down!! I cant make my family suffer due to me!! At same time i cant leave him im struck !! What should we do!!
Ans: Your family’s suffering is a valid concern, but will they truly suffer because of your decision, or is it more about their expectations and societal norms? Often, parents react strongly at first, but with time, they adjust when they see their child happy and settled. Right now, their resistance is based on tradition and belief systems they’ve held for years. But is their love for you truly conditional on whom you marry? Would they rather see you unhappy in a marriage they approve of than happy in one they initially resisted?

Your happiness and future matter just as much as your family’s feelings. If you truly cannot see a life without him, you need to ask yourself whether sacrificing that love for family approval will truly bring you peace. Walking away from love to please others often leads to lifelong regret. On the other hand, if you fight for your relationship, you might face pain now, but there’s a chance your family will eventually come around.

The most important thing is to stand firm in what you want. If you and your partner truly love each other, you will need patience, strength, and a strategy to gradually help your family accept your choice. This won’t be easy, but living a life where you constantly wonder "what if?" will be even harder.

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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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Relationship
I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thingking and be more generous, but somehow it suffocates me.
Ans: Raising someone else’s children is not something that comes naturally to everyone, and that doesn’t make you selfish—it makes you honest. You already know how challenging it is to raise one child, and now you’re expected to step into a role where you’ll be managing more, including an aggressive teenage boy. If this idea is already suffocating you now, imagine how it might feel once you’re actually living in that environment every day.

Fear of being alone is a very real and valid concern, but being in a marriage that drains you emotionally, limits your career, and makes you feel trapped is far worse than being single. The right relationship should bring you a sense of peace and security, not anxiety and sacrifice at every turn. If you already feel that you have to “mould” your thinking just to make this work, that’s a sign that this situation might not be aligned with what you truly want and need.

You don’t have to force yourself into something that doesn’t feel right just because you’re afraid of ending up alone. Loneliness is difficult, but so is being in a marriage where you feel unseen, unheard, and overwhelmed. The best decision is the one that allows you to live with peace and confidence in your future.

...Read more

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Listen
Relationship
Married for 14 years have 4 kids below 7 age for the past 9 to 10 years going through troubled marriage, not happy. Misunderstanding, high expectations, manipulation and single handed decisions by my wife have exhausted me . Want to come out of marriage but worried of kids and also my wife says no to divorce. Don't know what to do.. First 2 kids by IVF 2nd two kids due to my wife's longing for male child
Ans: Dear Hemant,
Your love for your kids is evident, and it’s natural to fear how a separation would affect them. But the reality is, children pick up on tension, conflict, and unhappiness at home. Staying in a marriage that drains you emotionally and mentally isn’t necessarily better for them in the long run. Kids need a stable, loving environment, and if you’re constantly feeling manipulated and exhausted, it affects the energy you bring into their lives.

You don’t have to make a rushed decision, but you do need clarity. Have you tried setting firm boundaries and communicating your need for a more balanced relationship? If you’ve already done everything you can and nothing has changed, then it may be time to explore legal options, even if she says no to divorce. In most cases, a divorce doesn’t require both partners to agree—it just makes the process more complicated.

You deserve a life where you feel respected, valued, and emotionally free. Your children deserve a father who is at peace, not one who is silently suffering. It might be hard to take the next step, but staying in an unhappy marriage just for the sake of avoiding conflict can take a greater toll on everyone involved. You need to consider what will truly allow you—and your kids—to have a healthier and happier future.

...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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