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Ulhas

Ulhas Joshi  |280 Answers  |Ask -

Mutual Fund Expert - Answered on Mar 30, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
SANTANU Question by SANTANU on Mar 29, 2023Hindi
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Sir My name is Santanu. I am 50 Years. I want to start sip for 10 years, but i have no knowledge in funds. please tell me which fund is best and how much amount invested in per month?

Ans: Hi Santanu, thank you for writing to me. Fund selection depends on what your risk appetite is and how much you are comfortable investing in. Please share more details so I can give you a good recommendation.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

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Dear Sir, wanted to start an SIP , never before have invested. Have Rs. 5,000.00 to invest .Age is 52 , kindly advice which fund .Investment is not for long term sir
Ans: It’s wonderful that you’re considering starting an SIP investment. At 52, planning your investments is crucial, even if it's not for the long term. Let’s explore the best options for your Rs 5,000 monthly SIP to ensure you achieve your financial goals efficiently.

Importance of Short-Term Investments
Given your age and the preference for a short-term investment, it's essential to focus on funds that provide stability and moderate growth. Your investment should aim to balance between safety and returns, considering the shorter investment horizon.

Evaluating Fund Options
For short-term investments, certain types of mutual funds are more suitable. These include debt funds, balanced funds, and conservative hybrid funds. These funds are designed to provide stable returns with lower risk compared to equity funds, which are more volatile and suited for long-term investments.

Debt Funds
Debt funds invest in fixed-income securities like government bonds, corporate bonds, and other debt instruments. These funds offer more stability and predictable returns, making them ideal for short-term goals.

Advantages:

Lower risk compared to equity funds.
Steady and predictable returns.
Suitable for short-term financial goals.
Disadvantages:

Lower returns compared to equity funds.
Sensitive to interest rate changes.
Balanced Funds
Balanced funds, also known as hybrid funds, invest in a mix of equity and debt instruments. This balance aims to provide moderate returns with controlled risk.

Advantages:

Diversification across asset classes.
Moderate risk with potential for decent returns.
Suitable for investors with a medium-term horizon.
Disadvantages:

More volatile than pure debt funds.
Returns are not guaranteed.
Conservative Hybrid Funds
Conservative hybrid funds predominantly invest in debt instruments with a small portion in equities. They aim to provide stable returns with minimal risk.

Advantages:

Higher safety with a small equity exposure for better returns.
Suitable for conservative investors.
Better returns than pure debt funds in some cases.
Disadvantages:

Slightly more risk than pure debt funds.
Limited upside potential compared to balanced funds.
Recommended Investment Strategy
Considering your age and short-term investment goal, a conservative approach with a focus on stability and moderate returns is advisable. Here’s a suggested strategy:

Conservative Hybrid Fund: Allocate Rs 3,000 per month. These funds provide a good mix of safety and moderate growth.

Debt Fund: Allocate Rs 2,000 per month. This ensures stability and predictable returns.

Monitoring Your Investment
Regular Review: It's important to review your investment portfolio regularly, even if the investment horizon is short. This helps in making adjustments as per market conditions and personal financial goals.

Rebalancing: Periodically rebalance your portfolio to maintain the desired asset allocation. This ensures your investments are aligned with your risk tolerance and investment objectives.

Benefits of Actively Managed Funds
Actively managed funds, where fund managers make strategic investment decisions, can provide higher returns compared to passively managed index funds. These funds aim to outperform the market through skilled management and timely adjustments.

Disadvantages of Direct Funds
While direct funds have lower expense ratios, they lack professional guidance. Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential ensures you receive expert advice tailored to your financial situation.

Conclusion
Starting an SIP with a conservative approach is a wise decision, given your short-term investment goal and age. By focusing on conservative hybrid funds and debt funds, you can achieve a balance between stability and moderate returns. Regular reviews and rebalancing are key to maintaining an optimal investment portfolio.

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 Oct 18, 2024

Asked by Anonymous - Oct 18, 2024Hindi
Money
Hlo sir, im vijaylaxmi 24 yrs old i want to do sip please suggest which fund is best to invest
Ans: Vijaylaxmi, it’s great that you want to start investing at the young age of 24.

Starting early gives you the benefit of time.

Your investment horizon is likely to be long, which is ideal for SIP investments.

Before selecting any fund, it's important to understand your financial goals.

You need to assess your risk tolerance, investment horizon, and financial objectives.

Since you are young, you can afford to take some risk, but that should align with your comfort level.

If you want to build wealth over the long term, equity mutual funds would suit your needs.

They have the potential to offer higher returns in the long run compared to other asset classes.

However, you should stay invested for at least 5-7 years to ride out market fluctuations.

Diversification Across Funds

It’s crucial to diversify your investments across different fund categories.

Diversification will reduce risk by spreading your money across different sectors and asset classes.

You can consider investing in large-cap funds, multi-cap funds, and mid-cap funds for diversification.

Each type of fund comes with its own level of risk and potential return.

Large-cap funds are more stable, while mid-cap and multi-cap funds can offer higher returns but come with higher volatility.

Why Not Index Funds?

You might hear people suggesting index funds, but let’s evaluate them.

Index funds simply track a market index like Nifty 50 or Sensex.

They don’t have active fund management, which means there’s no expert to make decisions during market ups and downs.

Although they have lower costs, their returns may not always outperform actively managed funds.

With actively managed funds, a professional fund manager selects stocks, making adjustments to take advantage of market opportunities.

The Benefits of SIP in Actively Managed Funds

SIP or Systematic Investment Plan is an excellent way to invest in mutual funds.

It helps you invest a fixed amount regularly, regardless of market conditions.

This instills financial discipline and reduces the impact of market volatility through rupee cost averaging.

You won’t need to worry about timing the market; SIP takes care of that for you.

Actively managed funds have the potential to outperform the market, especially when you stay invested over the long term.

When you invest through SIP in an actively managed fund, you get the expertise of a fund manager making strategic decisions to maximize returns.

Regular Funds Over Direct Funds

Now, let’s talk about the mode of investment.

Direct funds may seem attractive because they have lower expense ratios, but investing through regular funds offers benefits.

Regular funds give you access to the guidance of a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD).

Their advice can help you make informed decisions about your portfolio, especially if market conditions change.

A regular plan allows you to get ongoing support for your investment journey.

Investing through a Certified Financial Planner can help you align your portfolio with your financial goals.

They bring a deeper understanding of markets and can help optimize your asset allocation over time.

Flexibility in Fund Choices

While selecting funds, ensure that you pick flexible options.

Some funds are rigid and only invest in a certain category of stocks, which can limit their performance during different market cycles.

Flexible funds, like multi-cap funds, allow the fund manager to shift between large-cap, mid-cap, and small-cap stocks based on market conditions.

This flexibility can increase the fund’s chances of delivering consistent returns over time.

Equity Fund for Long-Term Goals

If your goal is long-term wealth creation, equity mutual funds are your best bet.

They generally outperform debt funds, FDs, and other conservative instruments over time.

Equity funds can offer better inflation-adjusted returns.

These funds invest in the stock market, which is why their potential for growth is higher.

However, they come with short-term volatility.

So, it’s important to have patience and a long-term perspective when investing in equity funds.

Growth or Dividend Option?

When investing in mutual funds, you will have to choose between the growth and dividend options.

Since you are young and likely looking to accumulate wealth, the growth option is more suited for you.

The growth option allows your investment to compound over time, as any profits earned by the fund are reinvested into the fund.

The dividend option provides periodic payouts, which is more suitable for investors seeking regular income.

In your case, you may not need regular income right now, so the growth option will help you build a larger corpus in the long run.

Taxation on Mutual Funds

When investing in mutual funds, it’s important to understand the tax implications.

For equity mutual funds, long-term capital gains (LTCG) are taxed at 12.5% after Rs 1.25 lakh.

Short-term capital gains (STCG) are taxed at 20%.

This means if you sell your equity mutual fund units before three years, the gains will be taxed as STCG.

If you hold the fund for longer than three years, any gains above Rs 1.25 lakh will be taxed as LTCG.

Since your investment horizon is long-term, this will work in your favor as you can take advantage of the LTCG benefit.

Systematic Withdrawal Plan (SWP) for Future Income

In the future, when you achieve your financial goals, you can convert your SIP investments into a Systematic Withdrawal Plan (SWP).

An SWP allows you to withdraw a fixed amount of money from your investment at regular intervals.

This is an effective way to create a steady stream of income from your mutual fund investment.

It can be particularly useful for retirement planning.

Since you are young, you have plenty of time to grow your investments before you need to rely on SWP.

Final Insights

At the age of 24, starting an SIP is a brilliant move.

Your time horizon allows you to take on equity market risks, which can result in higher long-term returns.

Diversify your investments across different fund categories to balance risk and return.

Actively managed funds offer better prospects than index funds due to the expertise of fund managers.

Choosing the growth option will help you accumulate wealth faster, as your profits will be reinvested.

Remember to stay invested for at least 5-7 years to maximize your returns.

As you move forward, work with a Certified Financial Planner to review your portfolio and make adjustments when necessary.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Money
Hello Sir, I am 38 yr old and intend to invest Rs. 55k per month in SIP. Kindly guide regarding kind of fund selection i should make. Present mf investment is 6.62L, including 4.00L lump sum investment. Please guide
Ans: Your plan to invest Rs.55,000 per month via SIP shows strong discipline. You also have Rs.6.62 lakh already invested, including Rs.4 lakh as lumpsum. That’s a solid start. Let’s create a 360-degree plan to guide your fund selection and structure your investments strategically.

? Assessing Your Financial Situation
– Age is 38 years; you have time for long-term wealth building.
– Monthly SIP capacity of Rs.55,000 is a good saving habit.
– Existing investments: Rs.6.62 lakh in MF shows you have started.
– You said lumpsum of Rs.4 lakh; good but needs alignment.
– Are these funds in direct or regular plans?
– If direct, no guidance or rebalancing support.
– Regular plans via CFP-led MFD give you structure and discipline.
– Clearly define your goals: retirement, child education, or wealth creation?

? Clarifying Your Goals and Time Horizons
– Define short-term goals (3–5 years) and long-term goals (10–20 years).
– For example: retirement at 60, or child’s higher education at 45.
– Knowing the goals helps in setting fund duration and allocation.
– Goal clarity guides asset selection and withdrawal strategy.

? Understanding Your Risk Profile
– At 38, you can take moderate to high risk in equities.
– But must balance it with safety via debt or hybrid options.
– Invest too conservatively, and returns may fall short of inflation.
– Too aggressive, and market falls could impact emotionally.
– A CFP can assess your risk profile with questionnaires and interviews.
– Then they can balance the equity and debt mix accordingly.

? Why Actively Managed Funds Suit You More
– You didn’t mention index funds. Good.
– Index funds track a market index and cannot outperform it.
– They may underperform in Indian markets due to structural inefficiencies.
– Actively managed funds aim to beat benchmarks using expert insights.
– You benefit from research-based selection and timely adjustments.
– They also adapt to changing economic cycles.
– With a CFP, regular review ensures you stay on track.

? Suggested Fund Categories for Your SIP
– Equity diversified: core part for long-term growth.
– Large?cap or multi?cap: growth and stability combined.
– Mid?cap and small?cap: higher potential with moderate risk.
– Thematic or sector funds: small allocation for focused exposure.
– Hybrid balanced: moderate risk, stable returns via equity?debt mix.
– Debt or gilt: for safety and capital preservation.

? Sample SIP Allocation Framework
– Total Rs.55,000 monthly SIP.
– Equity diversified/Multi?cap: 40% (Rs.22,000).
– Mid?cap: 15% (Rs.8,000).
– Small?cap: 10% (Rs.5,500).
– Hybrid balanced: 20% (Rs.11,000).
– Debt/gilt: 15% (Rs.8,500).
– This gives equity ~65% and debt ~35%.
– Review annually and adjust based on life changes.

? Managing Your Existing Lumpsum Investment
– Check if existing Rs.4 lakh is aligned with your allocation plan.
– If not, consider rebalancing using Systematic Transfer Plans (STP)
– STP moves money from debt to equity gradually and reduces timing risk.
– A CFP can structure this for you conveniently.

? Rebalancing and Review Protocol
– Without periodic review, your allocation drifts over time.
– Market movements change allocations automatically.
– A yearly check helps maintain your original risk-return profile.
– A CFP reviews portfolio, performance, and fund manager track records.
– They can suggest fund switches or new additions when needed.

? Importance of Goal-Based Investing
– Each fund or SIP should be linked to a goal.
– This brings discipline and prevents misuse of money.
– You will know when to stop or increase SIPs for each goal.
– It helps in measuring progress and maintaining focus.

? Tax-Efficient Investment Strategy
– Equity MF LTCG above Rs.1.25 lakh per year taxed at 12.5%.
– STCG taxed at 20%.
– Debt fund gains taxed as per your tax slab.
– Use long-term holding to minimise taxes.
– Hybrid balanced funds—tax benefit similar to equity after 3 years.
– A CFP can advise on tax-efficient exit planning by goal.

? Emergency Fund & Insurance – Key Pillars
– Ensure you have an emergency fund of 3–6 months salary.
– Use a liquid or ultra-short term debt fund for this.
– Review your insurance cover: health, life, and personal accident.
– Term cover is essential for family protection in emergencies.
– Top-up as your responsibilities grow.
– Do not mix insurance with investment via ULIPs or traditional plans.
– If you hold such plans, surrender them and channel money to mutual funds.

? Emotional Discipline and Long-Term Perspective
– SIPs prosper via consistency, not timing the market.
– Market volatility is normal and expected.
– Don’t stop SIPs in a bear market.
– Avoid frequent fund hopping.
– Rely on fund manager and CFP review.
– Trust the process, especially for 10–20 year goals.
– Your long-term approach will shield you from emotional investing mistakes.

? Role of a Certified Financial Planner
– They help set clarity around your goals and timeline.
– They align your investments to match risk and return needs.
– They guide you in fund selection and allocation.
– They review regularly and rebalance portfolio on changes.
– They track progress versus goals and update strategy.
– They help with withdrawal planning and tax efficiency.
– Their support reduces emotional biases and improves outcomes.

? Monitoring Progress and Adjusting Frequently
– Set checkpoints at 6 months, 12 months, and 24 months.
– Review fund performance, allocation, and fund managers.
– Update SIP amount as salary grows or goals change.
– Add lumpsum top-ups during market corrections.
– Reassess risk appetite every few years.
– Annually adjust asset mix as required.

? Finally
– Your plan shows commitment and strong resolve.
– Proper fund selection and allocation will give structure.
– Actively managed equity and hybrid funds are key.
– Avoid reliance on index funds due to limitations in India.
– Use regular plans via CFP for guidance, review, and confidence.
– Build emergency fund and ensure adequate insurance.
– Review every year for optimal performance.
– Stick to discipline; avoid emotional decisions.
– This rigorous strategy increases chances of wealth creation.
– You can confidently work towards your long-term goals.

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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