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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on May 13, 2022

Mutual Fund Expert... more
Devarajan Question by Devarajan on May 13, 2022Hindi
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My monthly sip 5000 rs from July (I am new). Please tell me am I doing the right investment. I am 51 and I do have income from building (25000) and bank FD.

Parag parekh flexi

Pgim flexi cap

Axis small cap

Icici prudential tech

Edelweiss balanced advantage fund

Tata digital fund

Icici Nasdaq 100 index fund

iifl focused fund(2000)

All growth direct.

Ans: All are decent funds, please continue

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Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

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

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I am investing SIP Rs41000 per month.I am not having a proper guidance on this investments.Please go thru & give your suggestion to improve on this investments Investments: GFGPG - HDFC Large and Mid Cap Fund - Regular Plan - Growth EDWRG - ICICI Prudential Balanced Advantage Fund - Growth 3349 - ICICI Prudential Bharat Consumption Fund Growth EDWRG - ICICI Prudential Balanced Advantage Fund - Growth 1191 - ICICI Prudential Bluechip Fund - Growth 3251 - ICICI Prudential India Opportunities Fund Growth 121 - ICICI Prudential Multicap Fund - Growth 71 - ICICI Prudential Technology Fund - Growth 3443 - ICICI Prudential Flexicap Fund Growth 8019 - ICICI Prudential Technology Fund - Direct Plan - Growth 8034 - ICICI Prudential Smallcap Fund - Direct Plan - Growth 1191 - ICICI Prudential Bluechip Fund - Growth SCAG - NIPPON INDIA SMALL CAP FUND - DIRECT GROWTH PLAN GROWTH OPTION OFDG - Quant Mid Cap Fund - Growth INF966L01887 51010091­ 075/0 DIRECT 103.033 139.1977 14,000.00 14,341.96 0 .5 0 DIFGZ - Tata Digital India Fund Direct Plan Growth
Ans: investing Rs. 41,000 monthly is a great sign of discipline! It seems you're investing in several mutual funds, but let's see how we can optimize your portfolio.

Current Portfolio Analysis:

Number of Funds: Having 11 funds might be too many to manage effectively. It can be difficult to track performance and make adjustments.

Overlap: There might be overlap between some funds in terms of the stocks they invest in. This reduces diversification benefits.

Investment Strategy: Your portfolio has a mix of fund categories (Large & Mid Cap, Balanced Advantage, Sectoral, etc.). It's good, but we can improve it for your goals.

Here's why I can't give specific advice on your funds:

Performance: Past performance isn't a guarantee of future results. What did well yesterday might not do well tomorrow.

Your Goals: I don't know your investment goals (retirement, child's education, etc.) These influence the best investment choices.

Here are some suggestions to improve your portfolio:

Reduce the number of funds: Aim for 4-5 well-diversified funds across different market capitalizations (Large, Mid, and Small Cap).

Consider Asset Allocation: Decide on a strategic asset allocation based on your risk tolerance and goals. This helps you pick the right mix of asset classes (equity, debt).

Actively Managed Funds: Actively managed funds, where experienced professionals make investment decisions, can potentially outperform the market. Consider consulting a Certified Financial Planner (CFP) to help you choose these funds.

Benefits of a Regular Plan with a CFP:

Guidance: A CFP can analyze your financial situation and recommend a suitable investment strategy.

Portfolio Monitoring: They can help you track your investments and make adjustments as needed.

Goal Planning: They can help you set realistic financial goals and choose investments to achieve them.

Regular plans with a CFP might have slightly higher fees than direct plans, but the guidance can be valuable, especially for new investors.

Here are some additional thoughts:

Review Regularly: Meet with your CFP periodically to review your portfolio and adjust it as your life and goals evolve.

Stay Invested: Don't panic and redeem your investments during market downturns. A long-term view is important for building wealth.

By streamlining your portfolio, seeking professional help, and staying invested, you can increase your chances of achieving your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

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Hello Sir I am 45 year old and I have been investing Rs.1000/- as SIP in following stock - 1 Aditya Birla Sun Life Small Cap Fund 2 Axis Flexi Cap Fund - Regular Plan – Growth 3 Canara Robeco Emerging Equities - Regular Plan – GROWTH 4 HDFC Large and Mid Cap Fund - Regular Growth Plan 5 ICICI Prudential Flexicap Fund – Growth 6 Nippon India ELSS Tax Saver Fund-Growth And I also have invested Rs.50,000/- in liquiloans I just want to know is my investment is good or do I need to make more investment or any changes in my invest ment Sir pls do reply Thanks & Regard
Ans: Congratulations on taking proactive steps towards securing your financial future at the age of 45! Your commitment to investing is admirable and sets a solid foundation for wealth accumulation.

Understanding Your Portfolio:

You've chosen a diversified portfolio with investments across various mutual funds, including small-cap, flexi-cap, large and mid-cap, and ELSS tax saver funds. Additionally, your investment in Liquiloans adds an alternative asset class to your portfolio.

Assessing the Investment Mix:

Your portfolio reflects a well-rounded approach, with exposure to different market segments and investment styles. Small-cap funds offer growth potential, while flexi-cap and large and mid-cap funds provide stability and diversification.

Evaluating Investment Choices:

Each fund you've selected has its unique investment objective and risk profile. Aditya Birla Sun Life Small Cap Fund and Canara Robeco Emerging Equities focus on small and emerging companies, potentially offering high returns but also higher volatility.

Axis Flexi Cap Fund, HDFC Large and Mid Cap Fund, and ICICI Prudential Flexicap Fund offer flexibility in asset allocation, blending exposure across market caps. Nippon India ELSS Tax Saver Fund provides tax benefits along with long-term wealth accumulation.

Analyzing Additional Investment:

Your decision to invest in Liquiloans introduces an element of diversification beyond traditional mutual funds. However, peer-to-peer lending platforms like Liquiloans carry inherent risks, including credit and default risk, which should be carefully considered.

Recommendation for Consideration:

Given your age and investment horizon, your portfolio seems appropriately diversified. However, it's crucial to regularly review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 17, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Money
I am 28 year old from mumbai. I have invested around 8 lakhs into 4 mutual fund uti nifty next 50 1.45 lakh, motilal ostwal midcap fund 3.17 lakhs, parag parekh 2 lakhs and axis small cap 1.2 lakhs , i have invested ppf around 1 lakhs. I have a salary of rs 60k and i invest around 40k monthy sip am i in a right track?
Ans: – At 28, you are far ahead of many peers.
– Rs.8 lakh invested already shows responsibility.
– Rs.40,000 SIP from Rs.60,000 salary is excellent discipline.
– PPF addition adds stability to long-term savings.
– Your journey so far is inspiring.

» Evaluating your mutual fund mix
– You have exposure to next 50, mid-cap, flexi-cap, and small-cap.
– Mid-cap and small-cap funds carry higher volatility.
– Over long-term they may deliver high returns.
– But too much allocation here increases risk.
– Flexi-cap balances growth and stability better.
– Your mix lacks large-cap or multi-cap base.

» Disadvantages of index-based funds
– Nifty Next 50 fund is index-based.
– Index funds cannot avoid poor companies in the index.
– They fall fully during market corrections.
– No flexibility to move into better sectors.
– Actively managed funds bring sharper strategies.
– Professional managers can reduce risk in downturns.

» Benefits of actively managed funds
– Active funds give scope for higher alpha.
– Managers study companies, sectors, and economy carefully.
– They can reduce weight in risky sectors.
– Flexibility helps in long-term compounding.
– Actively managed portfolio is safer for young investors.
– Better risk-adjusted growth than index strategies.

» Role of PPF in your portfolio
– PPF gives stable, tax-free returns.
– It works as safe component of your wealth.
– Liquidity is limited due to long lock-in.
– Good to keep for retirement purposes.
– Avoid putting too much here due to low returns.
– Equity still should remain your main wealth creator.

» Importance of SIP discipline
– Rs.40,000 SIP monthly is powerful at your age.
– Consistency for 15–20 years builds massive wealth.
– Market ups and downs don’t matter with SIP.
– Rupee cost averaging reduces volatility impact.
– SIP growth can match your rising income.
– Always try to increase SIP with salary hikes.

» Risk management at this stage
– You are young, so equity focus is fine.
– But balance between large, mid, and small-cap is needed.
– Overexposure to small and mid-cap increases risk.
– Consider rebalancing into diversified equity funds.
– Aim for mix of growth and safety.
– Long-term wealth is about stability, not chasing extremes.

» Insurance and protection aspects
– You didn’t mention insurance cover.
– Term insurance is essential for dependents’ safety.
– Health insurance protects wealth from medical costs.
– Insurance ensures your investments stay untouched.
– Secure base before building bigger wealth.
– Don’t mix insurance with investments.

» Emergency fund importance
– You should maintain 6–12 months’ expenses in liquid form.
– Emergency fund avoids panic during crisis.
– Keep it in savings, FD, or liquid fund.
– Don’t rely only on mutual funds for emergencies.
– Easy access fund gives peace of mind.
– Build it gradually if not done already.

» Taxation aspects of mutual fund growth
– Equity mutual fund redemptions face new tax rules.
– LTCG above Rs.1.25 lakh taxed at 12.5%.
– STCG is taxed at 20%.
– Debt fund gains taxed as per your income slab.
– Tax planning while redeeming improves net returns.
– CFP guidance ensures maximum tax efficiency.

» Importance of professional guidance
– Choosing funds is not just about returns.
– Asset allocation and review matter equally.
– Certified Financial Planner ensures right diversification.
– Mistakes in direct funds may harm wealth creation.
– Regular funds through CFP offer support and monitoring.
– This adds discipline and reduces emotional decisions.

» Goal-based investing
– You must link investments to goals clearly.
– Retirement, home, marriage, travel all need planning.
– Separate investments for each goal give clarity.
– Without goals, investments may lack direction.
– CFP can map funds to each goal.
– This makes your journey structured and stress-free.

» Future wealth potential
– At 28, you have 30+ years ahead.
– With Rs.40,000 SIP, corpus grows exponentially.
– Increasing SIP yearly multiplies wealth further.
– Equity compounding is very powerful with time.
– By mid-40s, financial independence is possible.
– Discipline and patience are your biggest assets.

» Emotional aspects of investing
– Markets will test your patience often.
– Don’t panic in corrections or crashes.
– Wealth is built by staying invested.
– Short-term fear should not break discipline.
– Review yearly, not daily or monthly.
– Long-term vision is your strength.

» Building financial independence
– You are already saving more than half your income.
– This accelerates your financial freedom.
– With consistent growth, retirement could be early.
– Extra savings give more life choices.
– Slowing down career becomes easier with strong corpus.
– Investments today buy you tomorrow’s freedom.

» Legacy planning for the future
– Though young, think about asset nominations.
– Keep family informed about investments.
– Later, prepare a Will for clarity.
– Legacy planning ensures smooth transfer.
– Wealth continuity matters for dependents.
– Early habits make future easier.

» Finally
– At 28, you are on an excellent track.
– Rs.8 lakh corpus plus Rs.40,000 SIP is powerful.
– Avoid index funds, prefer actively managed diversified funds.
– Reduce exposure to sectoral and small-cap risks.
– Keep SIP discipline and step up yearly.
– Secure yourself with insurance and emergency fund.
– Align investments to goals with CFP guidance.
– With patience, your future wealth is assured.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Latest Questions
Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Reetika Mam, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

You can easily achieve your goal of 2.5 crores after 10 years. Your current investment value of 82 lakhs alone can grow to 2.5 crores assuming CAGR of 12% and monthly 50k SIP will give additional 1.1 crores, making a total corpus of 3.6 crores at 58.

But I see a problem with your current allocation. The fund selection is more aligned towards small caps of different AMCs and very concentrated and overlapped portfolio.
You need to diversify it so as to secure your current investment while getting a decent CAGR of 12% over next 10 years.
Focus on changing your current funds to large caps and BAFs and flexicaps and avoid sectoral funds.

You can also work with an advisor to get detailed analysis of your portfolio.
Hence you should consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Money
Hi, I am 32 years old, married, and have a 4-year-old daughter. My monthly take-home salary is 55,000 rupees, and my wife's salary is 31,000 rupees, making our total income 86,000 rupees. I am currently in a lot of debt. Our total EMIs amount to 99,910 rupees (total loans with an average interest rate of 12.5%), and even with my father covering most of the monthly expenses, I still spend about 10,000 rupees. This leaves me with a shortage of approximately 25,000 rupees (debt) every month. My total debt across various banks is 36,50,000 rupees, and I also have a gold loan of 14 lakhs. I cannot change the EMI or loan tenure for another year. I also have a 2 lakh rupee loan from private lenders at an 18% interest rate. My total debt is over 52 lakhs. Now, with gold and silver prices rising, I'm worried that I won't be able to buy them again. I have an opportunity to get a 2 lakh rupee loan at a 12% interest rate, and I'm thinking of using that money to buy gold and silver and then pledge them at the bank again. Half of my current gold loan is from a similar situation – I took a loan from private lenders, bought gold, and then took a gold loan from the bank to repay the private loan. Given my current situation and my family's circumstances, should I buy more gold or focus on repaying my debts? What should I do? The monthly interest on my loans is approximately 50,000 rupees, meaning 50,000 rupees of my salary goes towards interest every month. What should I do in this situation? I also have an SBI Jan Nivesh SIP of 2000 rupees per month for the last four months. I have no savings left. I am thinking of taking out term insurance and health insurance, but I am hesitating because I don't have the money. I am looking for some suggestions to get out of these debts.
Ans: Hi Surya,

You are in a very complicated situation. This whole debt trapped needs to be worked on very judiciously. Let us go through all the aspects in detail.

1. Your total monthly household salary - 86000; monthly expense - 10000 contribution as of now; monthly EMI - approx. 1 lakhs.
2. Current loans - 36.5 lakhs from various banks at 12.5%; Gold Loan - 14 lakhs; private lenders - 2 lakhs at 18% >> totalling to 52 lakhs.
3. 50k interest per month payable - implies capital payment is very less leading to more problem.

- Keen on buying gold with loan. This is where more problem will began. Avoid buying gold using loan.
- Your focus should be on reducing your debt instead of increasing it.

Strategy to follow:
1. Close the loan with higher interest rate - 2 lakh personal lender. This will reduce your EMI and give you more potential to prepay other loans.
2. Try and take financial help from your family in prepaying small loans from banks. This can reduce your burden.
3. If you have any unused assets, can sell them to pay off your loans.

Points to NOTE:
> Avoid taking any more loans.
> When your EMI burden reduces, do make an emergency fund of 2-3 lakhs for yourself for any uncetain situation.
> Make sure to have a health insurance for yourself and family.
> Can stop your investments for now. They are of no use if your EMIs are more than your income. Can start investing once your EMI's reduce atleast by 20-30% for you.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |432 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 18, 2025

Money
Hello Sir ; I am 55 years old & have decided to retire by end of 2025 . My wife is in teaching profession , earns appx. 3.5 L / annum & will continue her service till 2037( @60 yrs. of age ) . My only child is an intellectually disabled person ( with Autism ) , 14 years of age & will be incapable to earn . As on date , I have 60 L in MF , going to sell a property by end of this year @ 41 L ( it is fixed ) , appx 5L in Bank & postal FD . My wife have 45L in MF as on date & 3 fully paid premium ULIP policy which will be matured by 2030. She can get appx. 25 L from there . This is by and large my family financial status . Now , my queries to you that with this corpus , how we manage our ( myself & wife’s ) livelihood & most important that to manage a continuous cash flow for my disabled child till his age 65 i.e. 50 years from now . Primarily , I have thought of SWP & MIS schemes to get regular income for th retirement . My present family expense is appx. 1L per month . Therefore , I do seek your expert advice in this regards . I will be highly obliged if you kindly address to my query . thanking you , with best regards ; Suprabhat Jatty.
Ans: Hi Suprabhat,

Let us analyse all things in detail - one at a time.
1. 5L in Bank and FD - this is your emergency fund. But if there is a lock-in on the postal FD, you need atleast 5 lakhs in bank FD as your emergency fund.
2. Health Insurance - it is the prime requirement for you and your family. You should have one covering you, your spouse as well as your kid. It will help you in uncertain health conditions of youself and family.
3. ULIP Policy - Usually policies like such are not beneficial. But these are all paid-up, good point here. Whenever you get this, try to invest it in equity and hybrid mutual funds.
4. You will get 41 lakhs from property selling. Invest the entire amount in mutual funds, a mix of equity and debt funds.
5. Cumulative MF portfolio = 1.05 crores. As the entire corpus is huge, take the advice of a proper advisor on managing your overall investments and portfolio. A guided investment always generates better result than a random portfolio.

Your annual needs - 12 lakhs; Wife will earn - 3.5 lakhs till 2037. You need additional 8.5 lakhs per year to manage your expenses.
- You can initiate a SWP from your overall savings after allocating it in correct funds with the help of advisor.
- You need to have a dedicated corpus for your son's need in your absence. Atleast 50-70 lakhs should be kept solely for your son.
- The overall corpus seems insufficient to meet your requirements for now. You can either postpone your retirement and create an additional savings corpus for your future and son. Or you may consider to work on your monthly budget.

Do work with a professional advisor to guide you with exact funds to meet your desired goals.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Asked by Anonymous - Dec 17, 2025Hindi
Relationship
I am 43 years old married man, arranged marriage. Married for past 13 years with 4 kids (aged 2, 3, 10 and 13). I work abroad with good salary package and live with my family. My wife is MSc. and home maker. She teaches the kids and cooks and takes good care of kids. I am academic research scholar. From the start of our marriage, I noticed my wife does not open much and moderate religious person. I am also not very extrovert person. I work from 8 am to 5 pm in office which is walkable distance from my house. After coming from office, I help her in kichen daily, look after the kids, help kids in math, clean the house, put the yougest kid to sleep, then I get some 'me' time which happens only after 11:30 pm in the night. I dont use phone untill everybody is sleep or my kids dont allow me to use phone while i am playing with them. Now sometimes I feel we are just room mates with 1-2 times sex in a month. In terms of love with my wife, I initiate all the time, she never expresses love. I am not very possessive kind of person. She does not show any interest in my work and never ask me hows my day etc. She only smiles and rarely laught. I thought may be it will improve with time. There is no money issue, she buys what ever she likes. She has her own card and I provide extra money if she asks. I assumed may be she does not like me from the beginning but staying in marriage due to family pressure and kids. I am average looking person and dont accept everything what she says in terms of investment, holiday etc. I had accepted my fate. She started doing book writing and publishing online and now earning and keeping separate account, She is very excited about it and feels happy and shares with me the publication but not the earnings. I give suggestions and money what ever she asks for marketting and promotion etc. I am happy for her. Recently I came across an email in her phone which was from her ex. There was a long deleted chat, in summary they were madly in love but could not get married, i dont know the reason or even she never spoke about him. they kept chatting even after our marriage. Her ex got married and divorsed with one grownup kid. He is single and work abroad in a different country with good salary package (may be better than mine). She emailed him after long time I guess but now she is secretly chatting with him very often. she keeps her phone locked and deletes the chats. He is also interested and asking her to leave and marry him. She is not saying yes to him but regrets that she married me. At this point I dont know if I should talk to her regarding this but she will definitely be upset to know i checked her phone. Few years back we had a major fight (that time i didnot know about her ex), i had proposed for divorse and settle it mutually if she is not happy with me but she denied and stayed. I dont know what I should do to make her happy. we both are from very respected family in the society and I dont know if her parents knew about her affair. Even though she is chatting with him but she behaves very normal with me, no fight no argument, as if nothing is happening. I dont know whats in her mind, is she just casually chatting with him or buying time, waiting for the right moment to leave? Shall I file for divorse or accept my fate as room mates. Am I worrying too much?
Ans: First, let me say this clearly: you are not worrying “too much.” Your concerns are valid. When emotional connection, affection, and curiosity about each other’s inner worlds are absent for years, and when secrecy enters the relationship, it naturally shakes trust. The fact that she is emotionally engaging with a past love, hiding communication, and expressing regret about marrying you — even if not directly to your face — is not a small or harmless thing. It doesn’t automatically mean she will leave, but it does mean there is unresolved emotional business that cannot be ignored.
At the same time, it’s important not to jump straight to extremes like divorce or silent resignation. Right now, the most important thing is clarity — for you and for her. Living as silent roommates while carrying this knowledge will slowly erode your self-worth and peace of mind. You deserve honesty, and your marriage deserves a chance to be examined truthfully, not just maintained for appearances, family reputation, or routine.
If you choose to speak to her, the way you approach it will matter far more than the fact that you looked at her phone. Try not to lead with accusation or surveillance. Lead with your emotional reality. You can say something like: you’ve been feeling emotionally distant for a long time, you feel you’re always the one initiating closeness, and recently you’ve felt even more unsettled and insecure about where you stand in her life. You don’t need to reveal every detail of what you saw immediately; the goal is to open a conversation about emotional honesty, not to trap her in a confession.
Pay close attention to how she responds. Not defensiveness alone, but whether she shows willingness to reflect, to talk about her inner world, and to consider rebuilding emotional intimacy with you. A marriage can sometimes be repaired even after emotional betrayal — but only if both partners are willing to be transparent and actively work on reconnecting. If she avoids the conversation, minimizes your feelings, or continues secrecy, then you will have important information about where the marriage truly stands.
It’s also worth acknowledging something gently but honestly: your wife may have spent years emotionally closed not because of you alone, but because she never fully processed the loss of that earlier relationship. Her recent independence and success may have stirred unresolved emotions and old longings. That explains her behavior, but it does not justify secrecy or emotional infidelity. Understanding this can help you speak with compassion without sacrificing your boundaries.
Before making any legal decisions, I strongly encourage you to consider couples counseling, ideally with someone experienced in long-term marriages and emotional affairs. A neutral space can help both of you speak truths that feel too risky at home. It will also help you understand whether she wants to stay and rebuild, or whether she is emotionally preparing to leave.
As for “accepting your fate,” I want to be very clear: accepting a life where you feel invisible, undesired, and emotionally alone is not a virtue. It is a slow form of self-erasure. Your children benefit most not from parents who silently endure, but from adults who model honesty, self-respect, and emotional responsibility.
You don’t have to decide everything right now. But you do need to stop carrying this alone. The next step is not divorce or resignation — it’s an honest, calm, courageous conversation focused on emotional truth. From there, the path forward will become clearer, even if it’s difficult.

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Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Relationship
My husband doesn't lock the door when we have s**. This was the main reason for his ex-wife to divorce him. His parents feel that it is safer to keep the door unlocked in case of emergencies. But honestly,I feel awkward. I am not comfortable. Once his sister casually walked in to pick up some stuff, ignoring us on the bed. I was clothed but it still made me feel uncomfortable. We don't have a private bedroom but we use the bed at night. There are two shared wardrobes in the room which people need to access. I have explained this to my husband but he says I need to learn to adjust and work around it. Even if the door is closed, I always fear that someone might just walk in. What to do?
Ans: This is not a small preference issue. This is about personal boundaries and bodily autonomy. Even if nothing “bad” has happened, the fear of being walked in on is enough to make your body stay tense. That anxiety alone can affect your sense of dignity, desire, and emotional security. The fact that his ex-wife divorced him over the same issue tells you that this pattern is longstanding and not something you are imagining.
Your husband and his parents may frame this as “safety” or “emergency access,” but that argument does not hold when weighed against your right to privacy. Emergencies are rare; violations of comfort are happening now. A locked door during intimacy does not mean negligence—it means respect. Many families manage emergencies with simple alternatives like knocking, calling out, or keeping keys for true emergencies. What’s happening instead is that your need for privacy is being minimized, and you are being asked to suppress discomfort for the convenience of others.
The incident with his sister casually entering is especially important. Even though you were clothed, your body registered that as a boundary breach. The fact that it was brushed off is likely reinforcing your fear that this could happen again. Over time, this can quietly erode trust and sexual comfort—not because you’re “overthinking,” but because your nervous system is constantly on alert.
You need to shift the conversation with your husband away from “adjustment” and toward non-negotiable boundaries. This isn’t about arguing logic; it’s about stating a clear emotional and physical limit. You might say something like:
“I cannot feel safe or comfortable being intimate without privacy. This isn’t something I can adjust to. If intimacy continues without a locked door, I will start avoiding it—not out of punishment, but because my body feels unsafe.”
That’s not a threat. That’s honesty.
If the room layout is genuinely impractical, then the solution is not for you to tolerate discomfort, but for the household to change logistics—restricted access at night, fixed timings, or creating a private space. Privacy is a shared responsibility, not a burden placed on one person to endure.
If your husband continues to dismiss this after you clearly express it, that’s a deeper issue than doors. It signals a lack of attunement to your emotional safety, and that deserves serious attention—possibly with a counselor, especially given that this issue has already broken a marriage before.
You are not asking for something unreasonable. You are asking for respect.

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Anu

Anu Krishna  |1754 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2025

Relationship
Mam, I know some ways by which i can change my state of mind from lazy to working.. and having pressure/deadline helps to move on. But still I'm get trapped in guilt of actions and don't feel confident that next time i will be able to control myself..( cuz some actions give short pleasure/gratification easily.. but guilts also). And in all those silent, sad, depressed emotional time my Real working time gets wasted.. and feels like I just live in more guilt and saddness..even if it hurts. But don't wanna live like that!! What I do?
Ans: Dear Work,
Focus in any area of Life comes only when you realize WHY you are doing WHAT you are doing in that area.
For eg: If you decide to lose weight and just randomly join the gym without understanding WHY you are in the gym, a few days later, you will drop out. Mind you, that LOSING WEIGHT is not your reason; WHY do you want to lose that weight is the only thing that will keep you focused and motivated.
Hence, if you are giving into short term distractions, then obviously whatever it is that you are doing is not interesting you and so you get easily distracted.
Take one area of your life at a time; drop your goals in paper and mark a strong WHY against each. If it isn't motivating you enough, go back to the Drawing Board and do the exercise until you find that fire in your belly.

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

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