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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Mar 18, 2021

Mutual Fund Expert... more

Question by Suresh on Mar 18, 2021Hindi

Money

I'm 35 years old and investing SIPs evenly in the following MFs. Please advise if I need to consolidate few of the schemes or move to some other MF.

Axis Long Term Equity Fund

Axis Midcap Fund

Axis Small Cap

Axis Global Equity Alpha Fund of Fund

Motilal Oswal Nasdaq 100 Fund of Fund

Parag Parikh Flexi Cap

UTI Equity Fund

Ans: Please continue

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Sep 19, 2022

Question by Vineet - Sep 19, 2022Hindi

Money

I started investing in mutual fund back in 2006 with very small SIP amounts and I am 41 now. Currently, I have a MF corpus of approx 30 lakh, with SIP investments in following schemes, though i myself feel i have invested in multiple fund houses or similar portfolios and need your help or guidance with consolidation and then keep a target of 2.5 to 3 crore in next 15 years through Mutual fund only. Currently I am investing 32500 per month through SIPs only. Sr No Fund Name Start Date Amount 1 HDFC Top 100 Fund Growth 20-Sep-06 1000 2 HDFC Top 100 Fund Growth 05-Dec-13 1000 3 SBI BlueChip Fund Regular Growth 25-Apr-16 1000 4 ICICI Prudential Value Discovery Fund Growth 22-Jul-16 1000 5 Kotak Flexicap Fund Growth 23-Aug-17 1000 6 IDBI India Top 100 Equity Regular Fund Growth 05-Jan-18 1000 7 L&T Hybrid Equity Fund Growth 06-Dec-18 1000 8 L&T Hybrid Equity Fund Growth 07-Jan-19 1000 9 Indiabulls Equity Hybrid Fund Regular Growth 12-Mar-19 1000 10 HDFC Mid-Cap Opportunities Regular Fund Growth 01-Jul-19 1500 11 SBI Magnum MidCap Regular Fund Growth 01-Jul-19 1000 12 ICICI Prudential Bluechip Direct Fund Growth 01-Jul-19 1000 13 HDFC Top 100 Fund Growth 27-Oct-19 1000 14 HDFC Hybrid Equity Fund Growth 27-Oct-19 1000 15 Axis Midcap Fund Direct Plan Growth 16-Dec-20 1000 16 Canara Robeco Equity Hybrid Fund Direct Plan Growth 17-Dec-20 1000 17 SBI Magnum Global Fund Direct Growth 17-Apr-21 1000 18 HDFC Flexi Cap Fund Direct Plan-Growth 17-Apr-21 1000 19 Motilal Oswal Focused 25 Direct Growth 17-Apr-21 1000 20 HDFC Flexi Cap Fund -Direct Plan - Growth Option 17-Apr-21 1000 21 SBI Flexicap Fund Direct Growth 17-Apr-21 1000 22 Motilal Oswal Flexi Cap Fund Direct Plan Growth 24-Jun-21 1000 23 Tata Quant Fund Direct Fund 30-Jun-21 500 24 Aditya Birla Sun Life India Gennext Fund Direct Plan Growth 01-Jul-21 1000 25 ICICI Prudential FlexiCap Fund Direct Growth 05-Jul-21 500 26 Mirae Asset Large Cap Fund Direct Plan Growth 01-Sep-21 1000 27 IDFC Corporate Bond Fund Direct Plan Growth 22-Sep-21 1000 28 ICICI Prudential NASDAQ 100 Index Fund Direct 27-Oct-21 1000 29 HDFC Corporate Bond Fund -Direct Plan - Growth Option 09-Dec-21 1000 30 Aditya Birla Sun Life Corporate Bond Fund Direct Plan Growth 09-Dec-21 1000 31 TATA Digital India Fund Direct Growth 25-Dec-21 1000 32 Parag Parikh Flexi Cap Direct Growth 25-Dec-21 1000 33 Kotak Gilt-Investment Fund Provident Fund and Trust-Growth Direct 28-Dec-21 1000

Ans: The funds that can be continued are 15, 16, 26, 27, 28, 29, 30, 32 and 33; 27, 29, 30, and 33 being debt funds and 15, 16, 28 and 32 being equity funds.

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Oct 19, 2022

Question by A - Oct 19, 2022Hindi

Money

I have following SIP from last 4 years and would like to know whether to switch to any other funds? I'm 34 now and want to continue investing in MF for the next 10 to 15 years. 1. Axis Long Term Equity Fund - Rs 5000 Monthly 2. Aditya Tax Relief 96 - Rs 500 (It was 3K per month, but now reduced to 500) 3. Axis Blue chip Fund - Rs 5000 4. LT Mid cap Fund - 3000 5. Kotak Emerging Equity Fund - 5000 6. Mirae Tax Save - Rs 1000 7. Axis Small Cap Fund - Rs 1000 8. SBI Small Cap Fund - Rs 500

Ans: You may keep one ELSS, rest are fine

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Dec 19, 2022

Question by Joseph - Dec 19, 2022Hindi

Money

I am 52 years old and currently investing in these below MF funds monthly SIPs. Aditya Birla Sun Life Small Cap Fund Growth-Regular Plan – 3,000 AFGP - Axis Focused 25 Fund - REGULAR GROWTH- 20,000 EFGP - Axis Bluechip Fund - Regular Growth – 15,000 PREG - HDFC Hybrid Equity Fund - Regular Plan – Growth – 3,000 ICICI Prudential Technology Fund – Growth – 5,000 Mirae Asset Large Cap Fund - Regular Growth Plan – 6,000 NIPPON INDIA SMALL CAP FUND - GROWTH PLAN GROWTH OPTION – 3,000 NIPPON INDIA SMALL CAP FUND - GROWTH PLAN GROWTH OPTION – 25,000 SBI Flexicap Fund - Regular Plan – Growth – 3,000 My Question is whether to continue these MF funds or any changes required? If changes required which one to go for?

Ans: Hi Joseph. Following an extensive analysis of your portfolio, I recommend reconsidering the schemes such as the Axis Bluechip Fund, Aditya Birla Sun Life Small Cap Fund and SBI Flexi cap fund along with a portfolio reshuffle. Also you may introduce large and midcap category in your portfolio. Some Suggested funds are:

Kotak Equity Opportunities Fund
Quant Active Fund

Ramalingam Kalirajan |7837 Answers |Ask -Follow

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

Question by MFLearner - Jan 27, 2023Hindi

Money

I do have SIP going on below MFs from 2000 rs to 10000 rs in each MF. My monthly investment is 1 lakh. Most of them are from 2015 and a few of them were added in 2022. My age is 40 and my goal is to create wealth of 10cr in the next 10 years. I believe in aggressive growth. Should I continue investing in below MFs or need to replace them with different MFs? Aditya Birla Sun Life Frontline Equity Fund - Growth Aditya Birla Sun Life MNC Fund - Regular Plan - Growth Aditya Birla Sun Life Multi-Cap Fund - Regular Plan - Growth Axis Flexi Cap Fund - Regular Plan - Growth Axis Focused 25 Fund - Regular Plan - Growth DSP Small Cap Fund - Regular Plan - Growth Franklin India Smaller Companies Fund - Growth HDFC Mid-Cap Opportunities Fund - Growth ICICI Prudential Equity & Debt Fund - Growth L&T India Value Fund - Regular Plan - Growth Mirae Asset Large Cap Fund - Regular Plan - Growth Samco Flexi Cap Fund - Regular Plan - Growth ICICI Prudential Value Discovery Fund - Growth ICICI Prudential NASDAQ 100 Index Fund Direct Growth Edelweiss Balanced Advantage Fund - Growth Kotak Small Cap Fund - Growth DSP Quant Fund - Direct - Growth

Ans: Creating Wealth with Aggressive Mutual Fund Investments
your commitment to building a substantial corpus for the future is commendable. Let’s assess your current mutual fund portfolio and explore ways to achieve your goal of Rs. 10 crore in the next 10 years.

Evaluating Your Current Portfolio
Current Mutual Fund Investments
Aditya Birla Sun Life Frontline Equity Fund - Growth
Aditya Birla Sun Life MNC Fund - Regular Plan - Growth
Aditya Birla Sun Life Multi-Cap Fund - Regular Plan - Growth
Axis Flexi Cap Fund - Regular Plan - Growth
Axis Focused 25 Fund - Regular Plan - Growth
DSP Small Cap Fund - Regular Plan - Growth
Franklin India Smaller Companies Fund - Growth
HDFC Mid-Cap Opportunities Fund - Growth
ICICI Prudential Equity & Debt Fund - Growth
L&T India Value Fund - Regular Plan - Growth
Mirae Asset Large Cap Fund - Regular Plan - Growth
Samco Flexi Cap Fund - Regular Plan - Growth
ICICI Prudential Value Discovery Fund - Growth
ICICI Prudential NASDAQ 100 Index Fund Direct Growth
Edelweiss Balanced Advantage Fund - Growth
Kotak Small Cap Fund - Growth
DSP Quant Fund - Direct - Growth
Portfolio Analysis
Diversity and Overlap
Your portfolio consists of a mix of large-cap, mid-cap, small-cap, multi-cap, and value funds. While this diversity can reduce risk, there may be significant overlap in holdings, especially in large-cap funds.

Performance Evaluation
Evaluate the performance of each fund over different time periods. Check if they consistently outperform their benchmarks and peers. This analysis helps identify underperforming funds.

Risk Assessment
Given your aggressive growth strategy, higher allocation to mid-cap and small-cap funds is suitable. However, it's crucial to balance this with some large-cap and multi-cap funds for stability.

Recommended Changes
Reducing Overlap
To reduce overlap, consider consolidating similar fund types. For example, choose one or two large-cap funds instead of multiple. This approach streamlines your portfolio.

Focus on Consistent Performers
Retain funds with a strong track record of consistent performance. Replace underperforming funds with those having better potential. This strategy enhances overall portfolio performance.

Suggested Mutual Funds
Large Cap Funds
Large-cap funds invest in well-established companies. They offer stability and moderate growth.

Mid Cap Funds
Mid-cap funds target companies with high growth potential. They balance risk and reward effectively.

Small Cap Funds
Small-cap funds invest in emerging companies. They offer high growth potential but come with higher risk.

Multi Cap Funds
Multi-cap funds diversify across market capitalizations. They offer balanced risk and reward.

Value Funds
Value funds invest in undervalued companies. They provide growth potential through capital appreciation.

Investment Strategy
Monthly Investment Plan
With a monthly investment of Rs. 1 lakh, allocate funds as follows:

Large Cap Funds: Rs. 30,000
Mid Cap Funds: Rs. 30,000
Small Cap Funds: Rs. 20,000
Multi Cap Funds: Rs. 10,000
Value Funds: Rs. 10,000
Annual Review and Rebalancing
Review your portfolio annually. Rebalance to maintain the desired allocation. This approach ensures alignment with your goals and market conditions.

Risks and Benefits of Direct Investing
Disadvantages of Direct Funds
Direct funds may have lower expense ratios. However, they require active management. Without expert guidance, you may miss market opportunities or take on unnecessary risks.

Benefits of Regular Funds
Investing through a Certified Financial Planner offers several benefits. They provide professional management, regular monitoring, and timely adjustments to your portfolio. This approach can lead to better long-term performance.

Conclusion
your dedication to achieving your financial goals is impressive. By optimizing your mutual fund portfolio and investing consistently, you can build significant wealth. Ensure you review and rebalance your investments regularly to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Dr Nagarajan Jsk |231 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Feb 05, 2025

Asked by Anonymous - Dec 04, 2024Hindi

Career

Hello Sir, my daughter is in class 12 and has taken PCB. She is expecting 80-85 percetage in board exams. She wants to go to USA yo pursue her medical. We are very middle class family. Can you suggest good colleges and the expenses ? And also please tell us if she can get any scholarship for the same

Ans: Hi Sir,

Your query is quite unique. Your daughter wants to pursue medicine in the US specifically, rather than in other countries. One important consideration is whether she plans to return to India after completing her studies, which is likely not the case.

If she chooses to return to India, she will need to obtain eligibility through the NEET exam, which is required for most countries, with some uncertainty regarding the US. If she decides to pursue her medical education in the US, I recommend that she completes the USMLE (United States Medical Licensing Examination). Successfully completing the USMLE will make her eligible to practice medicine in the US.

State universities are the best options and require visiting their websites for scholarship information.

Milind Vadjikar |974 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 05, 2025

Question by Prashant - Jan 28, 2025Hindi

Money

I require to calculate pension from EPFO. As per EPFO formula "=Average monthly salary of last 60 months x nos of years service/70 ". Max cap on Average salary is Rs 15000. I calculate the average monthly salary as "total of last 60 months salary / 60 "= 20000, which is kept at max. cap and considered as 15000 EPFO. While EPFO office first makes all salaries greater than 15k, to 15k, then calculates the average. Hence I get less than 15000. I did not find any clarification on the EPFO website. Please give me correct guideline as per EPFO

Ans: Hello;

There is pension calculator feature on the EPFO portal.

You may use to ascertain your likely monthly pension.

Best wishes;

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by H - Feb 01, 2025Hindi

Money

Get me some clearity on HDFC BALANCED ADVANTAGE FUND as from last few days my portfolio is going in negative

Ans: Understanding Balanced Advantage Funds

Balanced Advantage Funds invest in both equity and debt. They adjust their investments based on market conditions. This flexibility helps manage risk and aim for steady returns.

Recent Performance Insights

It's natural to feel concerned when your portfolio shows negative returns. Remember, short-term declines are common in investments. Balanced Advantage Funds aim to reduce risk by adjusting their investments. This strategy helps manage market ups and downs.

Factors Influencing Performance

Several elements can affect your fund's performance:

Market Volatility: Changes in the market can impact returns.

Asset Allocation: The mix of equity and debt plays a role.

Interest Rate Changes: Fluctuations can influence debt investments.

Economic Indicators: Factors like inflation and GDP growth are important.

Evaluating Fund Performance

To assess your fund's performance:

Compare with Benchmarks: See how it measures up against standard indices.

Review Historical Returns: Look at past performance over different periods.

Consider Risk-Adjusted Returns: Evaluate returns in relation to the risk taken.

Staying the Course

It's commendable to stay focused on your long-term goals. Short-term market changes shouldn't deter your investment strategy. Maintaining discipline is key to achieving financial objectives.

Consulting a Certified Financial Planner

For personalized advice, consider consulting a Certified Financial Planner. They can provide guidance tailored to your financial situation.

Final Thoughts

Market fluctuations are a part of investing. Balanced Advantage Funds are designed to manage these ups and downs. Staying informed and patient can help you reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by Neha - Jan 21, 2025Hindi

Money

Hello, my mother is 62 year old pensioner. She has invested funds in government securities and postal schemes. Despite submitting 15H form and filing ITR (as a senior citizen person), her tax is getting deducted. Can you kindly explain why this is happening?

Ans: There are a few possible reasons why TDS (Tax Deducted at Source) is being deducted from your mother's investments, despite submitting Form 15H and filing ITR.

1. Incorrect or Late Submission of Form 15H
Form 15H must be submitted at the start of the financial year to all institutions where she has investments.
If submitted after TDS is deducted, it won’t apply retrospectively to recover the deducted tax.
Ensure the form is submitted separately to each bank, post office, or financial institution.
2. Exceeding the Basic Exemption Limit
For senior citizens (60+ years), income up to Rs. 3 lakhs is tax-free.
If her total taxable income (pension + interest from investments) exceeds Rs. 3 lakhs, TDS will still apply.
Even if TDS is deducted, she can claim a refund while filing her ITR if her total tax liability is zero.
3. Form 15H Validity Rules
Form 15H is only valid if total taxable income is below the exemption limit.
If her total income is more than Rs. 3 lakhs, banks and post offices will ignore Form 15H and deduct TDS.
4. Different TDS Thresholds for Investments
Banks deduct TDS on FD interest if it exceeds Rs. 50,000 per year for senior citizens.
Post Office schemes (like SCSS) deduct TDS if interest crosses Rs. 50,000 per year.
Government securities may also have TDS rules based on the issuing authority.
5. PAN Not Updated with the Bank/Post Office
If PAN is not linked to the investment accounts, higher TDS at 20% is deducted.
Ensure all investments have PAN updated to avoid excess TDS.
6. Errors in Tax Deduction System
Sometimes, banks deduct TDS even if Form 15H is submitted correctly.
In such cases, she can file an ITR and claim a refund from the Income Tax Department.
What to Do Now?
Check total taxable income to confirm if she qualifies for Form 15H.
Verify all Form 15H submissions with banks and post offices.
Ensure PAN is updated in all financial institutions.
If TDS is wrongly deducted, file an ITR and claim a refund.
Would you like help with checking if she is eligible for a refund?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Oct 18, 2024Hindi

Money

Hello, I worked in 2 firms, 1st for 10 months & 2nd for 7 months, I've accumulated nearly 10000 in my pension contribution. Is there a way to withdraw at age of 23?

Ans: Pension Withdrawal at Age 23

Pension funds are meant for long-term savings.
Most schemes do not allow early withdrawal.
Exceptions occur only in severe emergencies.
Check your scheme rules for any special provisions.
Consult with a Certified Financial Planner for advice.
Best Regards,

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

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Money

My sister wants give Rs.49lakhs to purchase a land in 2024-25 to construct house later transaction will be through bank only whether gift tax is to be paid? is so who has to pay

Ans: There is no gift tax in India, but the amount received as a gift is taxed under the Income Tax Act, 1961 as "Income from Other Sources" unless exempted.

Tax Implications on Gift from Sister
Gifts from specified relatives (including a sibling) are fully exempt from tax under Section 56(2)(x) of the Income Tax Act.
Since your sister is a specified relative, the Rs. 49 lakhs gift will be tax-free in your hands.
Your sister will also not have to pay any tax on the gifted amount, as India does not have a separate gift tax.
Important Points to Ensure Tax Compliance
The transaction should be done through a bank transfer to maintain a proper record.
A gift deed is recommended (on stamp paper) to legally document the transaction.
There are no tax deductions for the giver, meaning your sister cannot claim this gift as an expense.
Final Answer
No gift tax is applicable since the amount is received from a sister.
You do not have to pay income tax on the received gift.
Your sister will also not have any tax liability on gifting the amount.
Let me know if you need more clarification!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Asked by Anonymous - Jan 03, 2025Hindi

Money

How much tax I need to pay on LIC Jeevan saral maturity amount.

Ans: LIC payout includes the sum assured and bonus.
Tax rules follow Section 10(10D) of the Income Tax Act.
If the premium is within limits, the payout is tax-free.
Excess premium results in taxable gains added to your income.
Final Insights

Review your policy details carefully.
Seek advice from a Certified Financial Planner.
Consider surrendering poor policies and reinvesting in mutual funds via an MFD.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |7837 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

Question by - Jan 03, 2025Hindi

Money

My son is a Singapore citizen. He has a flat in his name in Co-op. Hous. Soc. in Navi Mumbai purchased in 2005. He wants to sell it. Will you please suggest ways to repatriate the proceeds with least tax implications?

Ans: Selling property in India as a non-resident involves several steps. It's important to follow these steps to ensure compliance with Indian laws and to minimize tax liabilities. Here's a detailed guide to assist your son:

1. Understanding Capital Gains Tax

Long-Term Capital Gains (LTCG): Since the property was purchased in 2005 and is being sold now, it qualifies as a long-term asset. LTCG is taxed at 20% for non-resident Indians (NRIs).

Indexation Benefit: This benefit adjusts the purchase price for inflation, reducing taxable gains.

2. Tax Deducted at Source (TDS) Obligations

TDS Rate: The buyer must deduct TDS at 20% on LTCG for NRIs. Ensure the buyer complies with this requirement.

3. Repatriation of Sale Proceeds

NRO Account: Deposit the sale proceeds into a Non-Resident Ordinary (NRO) account.

Repatriation Limit: NRIs can repatriate up to USD 1 million per financial year from their NRO account, provided all taxes are paid.

4. Documentation for Repatriation

Tax Clearance: Obtain a certificate from a Chartered Accountant in Form 15CB.

Bank Procedures: Submit Form 15CA to the bank. These forms confirm that taxes have been paid.

5. Tax Exemptions to Reduce Liability

Section 54: Invest LTCG in another residential property in India within specified timelines to claim exemption.

Section 54EC: Invest in specified bonds within six months of sale to avail exemption. The maximum investment limit is Rs 50 lakhs.

6. Currency Exchange Considerations

Exchange Rate: The prevailing exchange rate at the time of repatriation will apply.

Bank Charges: Be aware of potential charges during the transfer process.

7. Professional Consultation

Certified Financial Planner: Consult a Certified Financial Planner to navigate the complexities of taxation and repatriation.

By following these steps, your son can efficiently manage the sale and repatriation process, ensuring compliance and minimizing tax liabilities.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 24, 2025Hindi

Relationship

I have been married for more than 3 weeks. And I don't like my husband. I didn't like him before the marriage and it was very clear to my family tht I didn't like him. But my parents forced me to get married to him and it was my fault tht I couldn't prioritise my feelings. I considered what would happen to them if I called off the engagement. And after being married I have been more than depressed. My parents keeps telling what I should do. I don't let him touch me since I don't like him I asked him for some time and on the 2nd day he made a huge issue in my family telling them that I don't let him touch me. I started to resent him after this. Everyone around me keeps on telling Me that he will go abroad in 2 weeks so I should do whatever a wife does. it's been 3 weeks and continuous arguments. I'm so sad. I'm scared of what would happen if I leave this marriage. I can't stay in my own family because they would treat me so bad. I would have to stay alone. Thinking about the uncertain future and consequences am not able to do anything. Am stuck in this miserable situation.

Ans: Dear Anonymous,
For sure, it's difficult to be physically intimate with someone that you do not fancy and he is being silly in making this public. Rather than winning you over, he's making it a public issue to gain sympathy which his highly immature.
Now, I am going to give you an example that you may not like.
Eg: You have to live in Japan for 2 years and you do not like that cuisine. But eventually you realize that 2 years is a long time and then you actually start enjoying the food by looking at what's nice in it; healthy, light, good on the heart etc.

It's the same here. You may have gotten forced into the marriage. But it's just 3 weeks. Give it time...NO, you do not have to engage in any physical intimacy with him right away; but at least try to get to know him...maybe someday you might start to appreciate his good qualities, yeah? See, if this is possible in the short time that you have...it's just about having an open mind. Marriages are easy to break, think hard on this one.

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

Anu Krishna |1494 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 05, 2025

Asked by Anonymous - Jan 23, 2025Hindi

Relationship

Hi I am 40 year old lady. I have two daughters 13 and 8year old. My husband working with a good organization and earning not bad. But he doesn't want to give money to me. He never give me budget amount for home. He takes charges for everything. A small amount of Rs.5000 he gives me for my personal expenses and want me to do everything with that even when children want anything that as well. Always irritating, commenting shouting, never support me in any case. I m educated and working before I gave birth to my elder one but I left it due to unavailability of people at home to take care her. Whenever I talk about my career, liking and interest he is least bother. Total negative energy everywhere. Children are also irritating but they need both. I am confused what to do? How ti handle it and how to save my children from this negativity

Ans: Dear Anonymous,
Maybe it's time for you to revive your work life. That will give you a sense of financial independence and also you will be able to spend money on things that you feel like. It will also rekindle your confidence. Find some help at home so that the children are taken care of OR work from home. This will open up a lot of possibilities for you.

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

See more questions »

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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