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Ramalingam

Ramalingam Kalirajan  |7204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 21, 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
Vasudevan Question by Vasudevan on Oct 21, 2024Hindi
Money

Dear Mr. Ramalingam, My name is Vasudevan,age is 59 Years and planning to retire within a year. My Investment is as follows Stock Market Value as on today => 1.2 Cr MFI Various scheme => 2..3 Cr SBI life Pension ==> 1.2 L per month expected receive from year July 2026 till my Life time. House ==> Own house to live Loan Liabilities ==> Zero Responsibilities ===> Marriage expenses of two Sons. My question above fund is sufficient to take care of my retirement life with my wife if i retire next year or to continue my working for some more time to increase my corpus. Regards Vasudevan

Ans: At 59, retirement is a big milestone, and it’s important to evaluate your finances carefully to ensure you and your wife can enjoy a comfortable life.

Let’s assess your financial position step by step and address your query on whether you should retire next year or continue working.

1. Current Financial Situation Overview
Here’s a snapshot of your current financial standing:

Stock Market Investment: Rs 1.2 crore.

Mutual Fund Investment (MFI): Rs 2.3 crore.

SBI Life Pension: Rs 1.2 lakh per month from July 2026 onwards.

Own House: You already own your house, which is excellent as it eliminates rent or mortgage payments.

No Loan Liabilities: This is another great position to be in as you enter retirement debt-free.

Responsibilities: You have the marriage expenses of your two sons to consider.

Your total liquid investment portfolio (stocks + mutual funds) is Rs 3.5 crore.

2. Monthly Income Needs Post-Retirement
The first step in retirement planning is calculating your monthly expenses. These will include:

Household Expenses: Regular day-to-day expenses, such as groceries, utilities, transportation, and healthcare.

Medical and Healthcare Costs: This is a crucial area that tends to increase with age. Make sure to factor in insurance premiums and out-of-pocket medical costs.

Miscellaneous and Lifestyle Expenses: Travel, leisure, and gifts or family functions may come under this category.

Assume you need Rs 1 lakh per month for your regular living expenses. This could increase slightly over time due to inflation. To cover this, you need a steady stream of income throughout your retirement.

3. Pension Starting in 2026: Planning for the Interim
Your pension from SBI Life will provide Rs 1.2 lakh per month starting in 2026. This will comfortably cover your monthly expenses from that point onward.

However, between the time you retire next year and when your pension kicks in, you’ll need to rely on your current investments for income. This is a period of about three years, and you should plan how to draw from your investments wisely during this time.

4. Sustainability of the Current Corpus
Let’s assess your investment portfolio and whether it can generate enough income to support your lifestyle for the rest of your life.

Stock Market Investment (Rs 1.2 crore): Stock investments can provide good returns, but they are volatile. You need to be cautious about withdrawing money during market downturns.

Mutual Funds (Rs 2.3 crore): This provides more stability compared to stocks but also comes with risk, especially if you are heavily invested in equity funds.

Disadvantages of Index Funds: If your portfolio includes index funds, be aware that these don’t provide the flexibility to respond to market conditions. Actively managed funds, on the other hand, offer better growth potential, especially in volatile times, as fund managers can make strategic decisions.

The total investment corpus of Rs 3.5 crore should be enough for a comfortable retirement if managed properly.

5. Asset Allocation for Retirement
Now that you are close to retirement, your investment strategy should shift towards wealth preservation, with some room for growth to keep pace with inflation. Here’s what you can do:

Shift to Debt and Hybrid Mutual Funds: You should consider moving some of your money from stocks and equity mutual funds into debt or hybrid mutual funds. These funds offer more stability and lower risk while still providing moderate returns.

Regular Funds vs Direct Funds: If you are currently investing in direct funds, it’s important to understand that these require active monitoring. A better approach for retirement is to invest through a Certified Financial Planner (CFP), who can help you choose regular funds that are professionally managed.

Systematic Withdrawal Plan (SWP): Once you retire, consider setting up a SWP from your mutual fund investments. This allows you to withdraw a fixed amount every month, providing you with a steady income while keeping your principal intact for as long as possible.

LTCG and STCG Taxation: Be mindful of the new capital gains tax rules. Long-term capital gains (LTCG) from equity funds above Rs 1.25 lakh will be taxed at 12.5%, while short-term gains (STCG) are taxed at 20%. For debt funds, LTCG and STCG are taxed according to your income tax slab.

6. Marriage Expenses for Your Sons
You have two upcoming significant expenses – the marriage of your two sons. It’s essential to plan for these carefully:

Set Aside a Separate Fund: Keep a portion of your investments aside specifically for these expenses. Since marriage costs can vary, estimate the budget and invest in a liquid or short-term debt fund so that the money is accessible when needed.

Avoid Dipping into Retirement Corpus: Try to fund these expenses from your current investments or savings, without affecting your primary retirement corpus. This way, you don’t risk your long-term financial security.

7. Healthcare and Medical Coverage
Medical costs tend to rise with age, and healthcare is often the biggest unknown in retirement planning. Here’s what you need to do:

Comprehensive Health Insurance: Make sure you and your wife have comprehensive health insurance coverage. You should have a policy with at least Rs 10-15 lakh coverage, depending on your health condition.

Set Aside a Medical Emergency Fund: Keep a separate liquid fund for medical emergencies. This could be Rs 10-15 lakh, which you can access quickly if needed.

8. Lifestyle and Leisure
After working hard all your life, retirement is the time to enjoy. You and your wife may want to travel or indulge in hobbies. Make sure to budget for these activities as well.

Set a Leisure Budget: Keep a specific amount aside for your travel and hobbies. This could be funded through a part of your stock portfolio, allowing you to benefit from any market upswings before you spend the money.
Finally: Is Your Corpus Enough?
Your current corpus of Rs 3.5 crore (stocks + mutual funds) is significant and should be enough to provide you with a comfortable retirement if managed wisely.

Here’s a summary of what you should consider:

Use your investments to cover your expenses for the next three years until your pension starts.

Rebalance your portfolio to reduce risk by shifting to debt and hybrid mutual funds.

Set up a SWP to generate regular income from your investments.

Keep a separate fund for your sons' marriages and medical emergencies.

If you are comfortable with your current lifestyle and do not foresee major additional expenses, your current corpus should be sufficient. However, if you want to enhance your financial security further, continuing to work for a few more years could allow you to grow your corpus and strengthen your position.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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Hi sir, i am 37. Investing 15000 in 04 MFs, 37500 total in 02 PPFs and 01 SSY, 20000 in NPS each month. I've 1 daughter and 1 son of 7 yrs and 3 yrs respectively. Is it sufficient for me in future?????
Ans: It's wonderful to see your proactive approach towards securing your family's future. Let's delve into your financial planning:
• Comprehensive Investment Approach: You've adopted a well-rounded investment strategy by diversifying across mutual funds, PPFs, SSY, and NPS. This approach spreads risk and maximizes growth potential.
• Planning for Children's Future: Investing in PPFs, SSY, and NPS for your children's education and future needs is a prudent move. These instruments offer tax benefits and long-term growth potential, ensuring financial security for their milestones.
• Assessing Sufficiency: While your current investment allocation is commendable, it's essential to periodically review and reassess your financial goals and resources. As your children grow and educational expenses increase, you may need to adjust your investment contributions accordingly.
• Long-Term Perspective: With a diversified portfolio and disciplined savings habit, you're on the right track towards achieving your financial objectives. Keep a long-term perspective and stay committed to your investment plan.
• Professional Guidance: Consider consulting with a Certified Financial Planner periodically to review your financial plan, assess progress towards goals, and make necessary adjustments. A CFP can provide personalized advice based on your evolving needs and market conditions.
• Encouragement: Your proactive approach towards financial planning reflects your commitment to securing your family's future. Stay focused on your goals, continue to invest systematically, and remain adaptable to changing circumstances.
• Final Thoughts: By adopting a disciplined and diversified investment strategy, you're laying a solid foundation for your family's financial well-being. Stay consistent with your savings and investment habits, and you'll be well-prepared to meet your future financial needs.

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Ramalingam Kalirajan  |7204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 21, 2024

Asked by Anonymous - May 18, 2024Hindi
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Sir I am 54 years old I am having the below investment of FDs worth 26 lac Gold investments worth 10 lac Shares worth 65 lac Mutual fund worth 14 lac NPS 12 lac SBI pension 29 lac Is the above corpus is sufficient for retirement
Ans: Assessing Your Retirement Corpus
Your current investments include FDs, gold, shares, mutual funds, NPS, and an SBI pension plan. Let’s evaluate if this corpus is sufficient for your retirement needs.

Compliments on Your Investments
You have done a commendable job accumulating a diverse portfolio. Your disciplined savings and investments reflect a proactive approach to financial security.

Evaluating Your Portfolio
Fixed Deposits (FDs)
FDs worth Rs 26 lakhs provide stability and guaranteed returns. However, the returns may not beat inflation over the long term. This can erode purchasing power.

Gold Investments
Gold worth Rs 10 lakhs acts as a hedge against inflation and economic instability. Gold prices can be volatile, but it is a good part of a diversified portfolio.

Shares
Shares worth Rs 65 lakhs offer growth potential through capital appreciation and dividends. However, they come with market risks. It’s important to have a balanced mix of high-quality stocks.

Mutual Funds
Mutual funds worth Rs 14 lakhs provide diversification and professional management. Actively managed funds can offer higher returns compared to index funds, especially with professional guidance.

National Pension System (NPS)
NPS worth Rs 12 lakhs is beneficial for long-term retirement savings. It offers tax benefits and a mix of equity and debt investments. The annuity component will provide a regular income post-retirement.

SBI Pension Plan
SBI pension plan worth Rs 29 lakhs will provide a steady income. It's crucial to understand the payout structure and ensure it meets your regular expenses.

Retirement Corpus Sufficiency
Estimating Retirement Expenses
Estimate your monthly expenses post-retirement, including healthcare, living costs, and leisure activities. Adjust for inflation to get a realistic figure.

Withdrawal Rate
A safe withdrawal rate is usually 4% of your retirement corpus per year. This ensures that your savings last through your retirement years.

Total Corpus Analysis
Your total corpus is Rs 156 lakhs (FDs: 26 lakhs + Gold: 10 lakhs + Shares: 65 lakhs + Mutual Funds: 14 lakhs + NPS: 12 lakhs + SBI Pension: 29 lakhs). Using the 4% rule, this corpus can provide around Rs 6.24 lakhs annually.

Professional Guidance
Importance of Diversification
Your diversified portfolio is well-structured, but regular reviews and adjustments are essential. Diversifying within asset classes can further reduce risks.

Role of a Certified Financial Planner (CFP)
A CFP can help optimize your portfolio for growth and stability. Professional advice ensures you make informed decisions, aligning investments with your retirement goals.

Recommendations
Increase Equity Exposure
Consider increasing your equity exposure through high-quality shares and mutual funds. This can help achieve better long-term growth.

Regular Portfolio Review
Regularly review and rebalance your portfolio to stay aligned with your goals. Market conditions change, and so do financial needs.

Emergency Fund
Ensure you have an emergency fund separate from your retirement corpus. This fund should cover at least 6-12 months of expenses.

Conclusion
Your current corpus is substantial and diversified, providing a strong foundation for retirement. Regular reviews, diversification, and professional guidance will help ensure financial security. Continue to manage your investments prudently to maintain a comfortable and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |7204 Answers  |Ask -

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

Asked by Anonymous - Jul 09, 2024Hindi
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I am 44 years old. I have 34 lac in MF, 4 Lac in NPS, 1.06 Cr in PPF, 50 Lac in PF, 1 Lac in stock and 22 Lac in post office Fixed deposit.Monthly income 1.2 Lac. I am investing 26500 Monthly in MF SIP and 15000 towards post office RD, also in VPF 21000 and PPF yearly 450000 (In 3 account). My monthly expense is 60000 and planing to retire at 50. I have school going child studing in class 7. Is my investment is sufficient for retirement planning.
Ans: Your current financial situation shows a strong foundation, and your disciplined approach to saving and investing is commendable. Let’s dive deeper into your investments and see if they align with your retirement goals at age 50, while ensuring your child's education and other expenses are covered.

Evaluating Your Current Financial Status
You have a diversified portfolio, which is excellent for mitigating risks and optimizing returns. Here’s a summary:

Mutual Funds (MF): Rs 34 lakhs
National Pension System (NPS): Rs 4 lakhs
Public Provident Fund (PPF): Rs 1.06 crores
Provident Fund (PF): Rs 50 lakhs
Stocks: Rs 1 lakh
Post Office Fixed Deposit (FD): Rs 22 lakhs
Monthly Income: Rs 1.2 lakhs
Monthly Investments: Rs 26,500 in MF SIPs, Rs 15,000 in post office RD, Rs 21,000 in VPF, and Rs 4,50,000 annually in PPF
Monthly Expenses: Rs 60,000
Financial Goals and Challenges
Retirement at Age 50: Ensuring a comfortable lifestyle post-retirement.
Child’s Education: Saving for higher education expenses.
Emergency Fund: Maintaining liquidity for unforeseen circumstances.
Health Insurance: Securing health coverage to avoid high medical costs.
Assessing Retirement Corpus
Calculating Required Corpus
To retire comfortably at 50, you need to ensure that your investments can sustain your lifestyle. With your current expenses at Rs 60,000 per month, let’s consider inflation and increased medical costs as you age.

Inflation Impact
Inflation will erode the value of your savings over time. Assuming an average inflation rate of 6%, your current monthly expenses of Rs 60,000 could significantly increase by the time you retire. Planning for a higher monthly expense post-retirement, say Rs 1 lakh, will be prudent.

Estimating Corpus
For a retirement period of 30 years (assuming a lifespan of 80 years), a rough estimate suggests you might need a corpus that can generate Rs 1 lakh per month. Considering inflation and a conservative withdrawal rate, a corpus of around Rs 6-7 crores would be required.

Strengthening Your Investment Portfolio
Mutual Funds
Your current SIP of Rs 26,500 in mutual funds is a strong commitment.

Actively Managed Funds: Actively managed funds can outperform index funds, especially in emerging markets like India. They offer potential for higher returns due to professional fund management.

National Pension System (NPS)
NPS provides a good mix of equity and debt, which is beneficial for long-term growth.

Continue Contributions: Consider increasing your contributions to NPS if possible. NPS also provides additional tax benefits under Section 80CCD(1B).

Public Provident Fund (PPF)
PPF is a safe and reliable investment.

Regular Contributions: Your substantial investment in PPF is good, considering its tax-free interest. Continue maxing out your contributions annually.

Provident Fund (PF) and Voluntary Provident Fund (VPF)
Your PF and VPF contributions ensure steady and safe growth.

Maximize Contributions: Continue maximizing VPF contributions, as they offer higher interest rates and tax benefits.

Stocks
While your current investment in stocks is minimal, direct equity investments can offer significant returns.

Consider Equity Mutual Funds: If you’re not comfortable picking individual stocks, consider equity mutual funds for diversified exposure.

Fixed Deposits and Recurring Deposits
Your investments in post office FDs and RDs provide safety but offer lower returns.

Shift to Higher Returns: Gradually shift a portion of these funds to higher-return investments like debt mutual funds or balanced funds for better growth potential.

Planning for Child’s Education
Education Corpus
Your child is in class 7, and you have about 5-6 years before college expenses start. Higher education costs can be substantial, so planning early is crucial.

Education Funds: Consider dedicated education funds or balanced funds, which provide a mix of safety and growth.

Systematic Investment Plan (SIP): Continue or increase SIPs in diversified mutual funds earmarked for education.

Health Insurance
Health insurance is crucial to protect your savings from medical emergencies.

Family Floater Plan: Ensure you have a comprehensive family floater plan that covers all members adequately.

Critical Illness Cover: Consider adding a critical illness cover to safeguard against severe health issues.

Emergency Fund
An emergency fund acts as a financial buffer for unforeseen expenses.

3-6 Months Expenses: Ensure you have 3-6 months’ worth of expenses set aside in a liquid fund or savings account for easy access.

Tax Planning
Effective tax planning helps maximize your savings.

Section 80C
Maximize 80C Benefits: Your investments in PPF, PF, and life insurance already provide tax benefits under Section 80C. Ensure you’re maximizing these benefits.

Section 80CCD
NPS Contributions: Contributions to NPS provide additional tax benefits under Section 80CCD(1B).

Diversification and Rebalancing
A diversified portfolio minimizes risks and maximizes returns.

Asset Allocation
Diversify Across Asset Classes: Allocate your investments across equities, debt, and fixed income instruments. Consider a mix of 60% equity and 40% debt for balanced growth.

Regular Rebalancing
Periodic Review: Review your portfolio periodically and rebalance to maintain your desired asset allocation. This ensures your portfolio remains aligned with your financial goals.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can provide personalized advice and help you stay on track.

CFP Benefits
Expert Guidance: A CFP provides expert advice on investment strategies, tax planning, and retirement planning.

Regular Reviews: Regular reviews with a CFP can help you adjust your strategy as needed.

Final Insights
Your disciplined approach to saving and investing has put you on a solid financial footing. With your current investments and income, you’re well-positioned to achieve your retirement goals.

However, ensuring your corpus grows sufficiently to sustain your post-retirement life is crucial. By optimizing your investment strategy, managing risks, and planning for inflation, you can build a secure future.

Consider increasing your contributions to equity mutual funds and NPS for better growth. Ensure you have adequate health insurance and maintain a robust emergency fund.

With careful planning and regular reviews, you can achieve your goal of retiring at 50 comfortably and ensure your child's education expenses are covered. Keep up the good work and stay committed to your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Milind Vadjikar  |745 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

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Dear Sir, My Age is 59 and investment is as follows: Stock market 1.2 Cr MFI 2.0 Cr Expectied pension from 2026 1,4L per month House : own house Loan liability is zero Responsibility: Marriage of two sons who finished PG My question is " above fund sufficient to take over for me and my wife for next 30 year (assuming life expectancy is 90 Years) Regards Srinivasan
Ans: Hello;

You may invest 20 L in Arbitrage type of mutual fund(low risk) earmarked for marriage of your sons.

Also you may invest 3 Cr into equity savings type mutual fund (moderate risk).

After 3 years it may grow into a sum of 3.89 Cr considering modest return of 9%.

I suggest that you redeem this corpus by paying LTCG(~11 L) and buy an immediate annuity for balance corpus of 3.78 Cr from a life insurance company.

I am not recommending you to do an SWP because for your required monthly income SWP rate will have to be 4.5%+ annually and I ran this on an swp calculator which shows depleted corpus of less then 1 Cr after 30 years.

Considering annuity rate of 6% you may expect to receive monthly payment of 1.89 L(pre-tax).

Seek joint annuity for yourself and your spouse with return of purchase price to your nominees.

Some life insurers offer increasing annuity at fixed intervals to account for inflation.

Also if you shop around and negotiate you may get a better annuity rate.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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First and foremost, thank you for reaching out to us. It’s great to know that your daughter is considering pursuing her undergraduate studies in Computer Science Engineering. To answer your question, I’d like to highlight that both the USA and Singapore offer excellent options for this field.

In the USA, Duke University stands out for its strong engineering program, providing a blend of theoretical knowledge and practical experience. Its location and connections to industry make it a great choice for students aiming for careers in tech.

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Asked by Anonymous - Nov 27, 2024Hindi
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Hello Anu, I want to talk about my something that has been bothering for a long time now. I am 28 years old now. I had immense body image problem as a child because I was often made fun of because of my obesity. With time I became active in school, participating in various events and was good at studies. When I was about 15 years old I started to experience hair loss as well but not too noticeable at the time. After the 1st semester in college I was able to shed excess weight and I started to feel good about how I looked, but the hair loss also continued and my confidence took a massive hit. I also found it quite difficult to commit to a relationship because I was afraid how others would perceive me and I would not be able to handle it. I was not able to keep myself happy so how could I keep someone else happy. Over the years I have kept myself occupied with my job and tried to be as social as I can be, but there has never been a moment where I could just switch off the feeling of being bothered by my hair loss, I did not let go of what I wanted to be, I just wanted to have a time where I would not be made fun of. I was quite sensitive emotionally and this aggravated after hair loss. I always feel that I could not enjoy my teenage life the way I wanted because of something that I don't know how it started. It's frustrating. I feel this huge gap between how am I supposed to be at my current age and what I actually feel as a person right now. Although I have tried to introspect even more this year and tried to accept that I will just have to find a match with what I have, I just don't understand how should I approach this. Sometimes I simulate it as business deal. My hair loss is not really something that a partner may be looking forward to. I still feel like I am not 28 years old. I am not supposed to be like this at 28. I know that there are others out there in the world in my age group who have also experience this, but I feel so isolated here just like how I used to feel as a child when someone would make fun of my weight among a group of kids. What should I do?
Ans: Dear Anonymous,
It's misshapen identity...Ultimately the only person who can accept you for who you are, is YOU. People are always going to have something to say about the way you look, what you eat, how you speak...
So, building your identity has to come from you, within you.
- how do I see myself in the mirror?
- what words do I use when I describe myself?
- what happens when I meet people?

A few questions that will give you a reality check. Self-talk is so undermined and we are the first ones to put down ourselves. Obviously, there are parts of your personality that you have overlooked as you have only focused on hair loss. Maybe you have a beautiful smile or you can hold conversations at length.

Actually do this:
Make a questionnaire that will help you figure out what people think of you. Ask these to at least 15 people. You will see the gap between how you see yourself and how others see you. This will help you when you are actively seeking a life partner as you will approach the same thing with confidence and assurance.
And maybe you can see a doctor who can help you with regaining the lost hair. Yeah?
You feel isolated because of your self-talk; so, be kind to yourself.

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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Anu Krishna  |1355 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 04, 2024

Asked by Anonymous - Nov 26, 2024Hindi
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Whenever I have a fight with my in-laws, my husband always takes their side and not talks with me for a 15 days or a week, tells me that he is bearing me all this years and I should go back to my mothers house, anyway he is hardly talking with me, he just answers my question, he is always busy with his office work, and he shoe me away if I try to romance by saying our daughter (13yr old) will see us, will do it afterwards, that comes only ones in a month. He is really unhappy with me, they all want to send me to my mother house, I deeply love him ....this all things makes me anxious, what should I do??? Ours is arranged marriage 15yrs. gone. He feels like he is trapped with me and now I am also feeling unhappy in our marriage..what should I do please suggest.
Ans: Dear Anonymous,
Clearly none of them seem to be happy with you and seem to want to get you away from them.
What exactly are you holding onto? Evaluate what you are getting by staying in the marriage and what you can do to manage life without the marriage if you of course make that choice.
I would also suggest one last attempt at putting things together. Will your husband be willing to talk to a third person like a therapist or even a family member? Try to set things right and even after this, they seem to make your life miserable, you really need to create options for yourself.

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Radheshyam

Radheshyam Zanwar  |1089 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 04, 2024

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sir i am going to give my pcb board examinations cbse in 2025 and i will also be writing neet in 2025 . here are some questions :- 1. if i take a drop and start preparing for jee mains instead of neet by adding maths to my subjects , which will be a better option among these ? a) writing the on demand exam for maths from nios and if i do so what should information has to be given in jee mains form because i have previously given neet through nta b) writing the public exams for all five subjects pcm from nios.then what should be written in jee main form c) giving a maths exam from cbse as aprivate candidate . and will two marksheets one including maths and one including pcb affect my jee form and counseling do 2 marksheets make a propblem in counselling or filling form and if not what should be entered in form for marksheets of 2 different years or boards 2. if i have maths from nios which board do i have to enter in jee mains form ? i am very confused , please help
Ans: Hello Baqir.
It seems that you are very confused. As you said, you have already appeared for NEET i.e. this is your drop year. Yet you are not confident about NEET 2025. If you have taken NEET previously, then how again you are appearing for the board exam is also not clear. If you have already given NEET and are preparing for NEET again, then why you are thinking about JEE without any reason is also unclear. You have created a lot of problems in your mind without any reason. This is because you are not focussing on the syllabus and studies but rather thinking in an irrelevant direction. The question arises, why not you are appearing with mathematics on the CBSE board? It is suggested that you appear to NEET 2025 with full preparation. If you score less also, then there are many courses in the medical field in which you can get admission. Leave all worries, thoughts, and no mark sheets, JEE issues and focus only on NEET 2025. It is also suggested that you please meet face to face a counselor to understand you more and guide you properly.
If satisfied with my reply, pl like and follow me.
Thanks
Radheshyam

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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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