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Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Apr 25, 2024Hindi
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I want retire in 5 years with corpus enough to withdraw 1L pm , current corpus 34 L in mf and stocks , 20L liquid cash/ FD , liabilities car loan about 6.8L 18k Emi. No rent own house .

Ans: Planning to retire in just 5 years with a comfortable monthly income is an ambitious and commendable goal. With your current corpus in mutual funds, stocks, and liquid assets, you've already taken significant steps towards financial independence.

However, retiring with a corpus sufficient to withdraw 1 lakh per month requires a well-thought-out strategy and disciplined approach. A Certified Financial Planner can help you assess your current financial situation, evaluate your retirement needs, and design a tailored investment plan to bridge the gap.

Considering your existing liabilities like car loans and desired monthly withdrawal, it's crucial to strike a balance between growth-oriented and stable investments. Diversifying your portfolio while focusing on generating consistent returns can be key.

Remember, the journey to early retirement requires patience, determination, and prudent financial decisions. Regular reviews and adjustments to your plan will be essential. With careful planning and guidance, your dream of an early retirement can become a reality. All the best on this exciting journey!
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  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Money
Hello Sir, My current age is 45 yrs & take home salary is 1.5 Lacs , i want to retire at the age of 60 with 5cr corpuses..please suggest SIPs & MF
Ans: It's great to see your proactive approach towards retirement planning. Achieving a corpus of 5 crores by the age of 60 is an ambitious yet achievable goal with proper planning and disciplined investing. Here are some suggestions for SIPs and mutual funds to help you work towards your retirement goal:

Determine Investment Amount:
Start by assessing how much you can comfortably invest each month towards your retirement goal. Since you're aiming for a substantial corpus, consider maximizing your SIP contributions to the extent possible.
Selecting SIPs:
Opt for a diversified portfolio of mutual funds across various categories such as large-cap, mid-cap, small-cap, and flexi-cap funds.
Allocate your SIP investments based on your risk tolerance, time horizon, and investment objectives.
Consider SIPs with a consistent track record of delivering above-average returns over the long term.
Recommended Mutual Funds:
Large-cap funds: These funds invest in established companies with stable track records and are relatively less volatile.
Mid-cap and small-cap funds: These funds have the potential to generate higher returns over the long term but come with higher volatility. Invest in them cautiously.
Flexi-cap funds: These funds offer flexibility to invest across market capitalizations based on market conditions and fund manager's discretion.
Consider SIPs in reputable mutual fund schemes with a proven track record of wealth creation and consistent performance.
Consultation and Review:
It's essential to periodically review your investment portfolio and make adjustments based on changing market conditions, financial goals, and risk appetite.
Consider consulting with a certified financial planner who can assess your financial situation, risk tolerance, and investment goals to provide personalized recommendations.
Discipline and Patience:
Remember that achieving long-term financial goals like retirement requires discipline, patience, and regular monitoring of your investments.
Stay committed to your SIPs, avoid succumbing to short-term market fluctuations, and focus on the long-term growth potential of your investments.
By adhering to a systematic investment approach, diversifying your portfolio, and staying focused on your retirement objective, you can work towards building a substantial corpus of 5 crores by the time you retire at the age of 60.

..Read more

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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Hello Team, I am 39 yrs old and currently have 40 lakhs in mutual fund and doing a SIP of 1lakh 10 k monthly, i have shares around 15 lakhs and around 22 lakhs in crypto and 14 lakhs in PF. Currently i have 13 lakhs home loan, 4.5 lakhs car loan and also bought a new house where 1.9 cr loan will be taken. My plan is to sell the current house which will fetch me 1 cr so ideally 90 lakhs loan will remain in future. Please advise me how can i retire at 45 with corpus of 5 to 6 cr.
Ans: Frst, congratulations on building a substantial investment portfolio and planning for your financial future. Managing diverse investments and loans can be challenging, but with strategic planning, your goals are achievable.

Current Assets and Liabilities
Let's summarise your financial standing:

Mutual Funds: ?40 lakhs
SIPs: ?1.10 lakhs monthly
Shares: ?15 lakhs
Cryptocurrency: ?22 lakhs
Provident Fund (PF): ?14 lakhs
Home Loan (Existing): ?13 lakhs
Car Loan: ?4.5 lakhs
New Home Loan: ?1.9 crores (expected to reduce to ?90 lakhs after selling the current house)
Evaluating Your Retirement Goal
You aim to retire at 45 with a corpus of ?5 to ?6 crores. Given your current age of 39, you have six years to build this corpus.

Managing Existing Loans
Current Home Loan
You plan to sell your current house for ?1 crore, which will help reduce your new home loan to ?90 lakhs. This is a sound strategy to lower your debt.

Car Loan
The car loan of ?4.5 lakhs is relatively small. Consider paying it off early if possible, as this will reduce your monthly outflows and save on interest.

Investment Strategy
Mutual Funds and SIPs
You have ?40 lakhs in mutual funds and a monthly SIP of ?1.10 lakhs. This disciplined approach will significantly contribute to your retirement corpus.

Continue Your SIPs: Maintaining your SIPs is crucial. Consider increasing the SIP amount if your income allows, as this will accelerate your corpus growth.

Actively Managed Funds: Focus on actively managed funds with a consistent performance record. These funds aim to outperform the market and can help achieve your target returns.

Equity Investments
You have ?15 lakhs in shares. Equities can provide high returns over the long term, but they are volatile.

Diversification: Ensure your equity portfolio is diversified across sectors to manage risk.

Regular Review: Monitor your equity investments and rebalance your portfolio as needed to align with market conditions.

Cryptocurrency
Cryptocurrency investments worth ?22 lakhs are high-risk. While they can offer substantial returns, the volatility is significant.

Limit Exposure: Consider limiting your exposure to cryptocurrencies to avoid excessive risk.

Reallocate Gains: If there are substantial gains, consider reallocating some of these funds to more stable investments.

Retirement Corpus Calculation
Estimating Required Returns
To achieve a corpus of ?5 to ?6 crores in six years, you need to focus on high-growth investments while managing risks.

Compound Growth
Your existing investments and monthly SIPs will grow significantly due to compounding. Here’s a simplified approach:

Mutual Funds and SIPs: With aggressive and balanced mutual funds, aim for an annualised return of 12-15%.

Equities and Crypto: While high-risk, these can offer returns above 15%, but exposure should be managed carefully.

Debt Management
Reducing Loan Burden
Pay Off Small Loans: Clear the car loan and any other small debts to reduce financial stress.

New Home Loan: Focus on prepaying the new home loan. Reducing this loan early will significantly lower your interest burden and increase disposable income for investments.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can help tailor your investment strategy. A CFP can provide personalised advice, monitor your portfolio, and make necessary adjustments.

Regular Monitoring and Rebalancing
Review Portfolio: Regularly review your investment portfolio to ensure alignment with your retirement goals.

Rebalance Investments: Periodically rebalance your investments to manage risk and optimise returns.

Conclusion
With disciplined investing, strategic debt management, and professional guidance, retiring at 45 with a corpus of ?5 to ?6 crores is achievable. Focus on high-growth investments, manage risks, and regularly review your portfolio to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 27, 2024

Asked by Anonymous - Jun 26, 2024Hindi
Money
Hi I have retired from govt service and I have Rs 1 lakh monthly pension. In addition to this I am working in private sector with a monthly income of 2.5 lakhs. I have 1 cr in MF, 10 lakhs in equity, 50 lakhs in real-estate and 36 Lakhs in bank FDs. I am 48 right now and want to retire by 55 with an inflow of 2 Lakhs per month
Ans: I understand your concerns and aspirations. Let's dive into crafting a comprehensive and tailored financial plan for you.

Understanding Your Financial Landscape
Firstly, congratulations on your retirement from government service and your successful transition to the private sector. Your current financial situation is quite robust, which is commendable. You have a diversified portfolio with investments in mutual funds, equity, real estate, and fixed deposits. It's crucial to analyze each of these components to create a sustainable and efficient financial strategy for your future.

Evaluating Current Investments
Mutual Funds
You have Rs 1 crore in mutual funds, which is a substantial amount. While mutual funds are generally a good investment, it's important to review the types of funds you hold. Actively managed funds, guided by experienced fund managers, often provide better returns compared to index funds. Actively managed funds adapt to market changes, potentially maximizing your returns.

Equity Investments
With Rs 10 lakhs in equity, you're already participating in the stock market, which is excellent for long-term growth. However, it's important to regularly review and possibly rebalance your equity portfolio to align with market conditions and your financial goals. Diversification within equities can also help mitigate risks.

Real Estate
You have Rs 50 lakhs in real estate. While real estate can be a stable investment, it often lacks liquidity and requires maintenance. Since you plan to retire by 55, ensuring your investments are liquid and easily accessible is crucial. Real estate might not provide the immediate cash flow you might need during retirement.

Fixed Deposits
You hold Rs 36 lakhs in bank fixed deposits. FDs are safe but offer lower returns compared to other investment options. As you approach retirement, it's essential to strike a balance between safety and growth. We might need to explore better opportunities while maintaining a portion in FDs for emergency funds.

Creating a Retirement Strategy
Assessing Retirement Goals
You aim to retire at 55 with an inflow of Rs 2 lakhs per month. Given your current financial status, achieving this goal is feasible with careful planning and strategic investments.

Income from Pension and Job
Your current monthly income is Rs 3.5 lakhs, combining your pension and job earnings. This provides a strong foundation for your retirement savings. Ensuring that your investments are optimized will help maintain this lifestyle post-retirement.

Strategic Investment Recommendations
Enhancing Mutual Fund Investments
Switching to actively managed mutual funds could be beneficial. These funds, managed by skilled professionals, have the potential to outperform the market. They adjust according to market conditions, potentially offering higher returns compared to passive index funds.

Regular Monitoring and Rebalancing
Regularly monitor and rebalance your mutual fund portfolio. Market conditions change, and rebalancing ensures your portfolio stays aligned with your financial goals. It helps in optimizing returns and managing risks effectively.

Diversification within Equities
Your equity investments should be diversified across different sectors. This minimizes risk and capitalizes on various market opportunities. Consider sectors with strong growth potential, and stay updated with market trends.

Liquidating Real Estate
Given the liquidity concerns with real estate, consider liquidating a portion of your holdings. The proceeds can be reinvested into more liquid and potentially higher-yielding investments. This ensures you have accessible funds during your retirement.

Optimizing Fixed Deposits
Maintain a portion of your wealth in fixed deposits for safety and emergencies. However, consider moving a part of these funds into better yielding, low-risk investment options. This ensures your money works harder for you while maintaining a safety net.

Financial Planning for the Future
Creating an Emergency Fund
Ensure you have an adequate emergency fund. This should cover at least six months of your expenses. It's essential for unexpected situations, providing financial security without disrupting your investment strategy.

Health Insurance
Healthcare costs can be significant, especially post-retirement. Ensure you have comprehensive health insurance coverage. This protects your savings from being depleted by medical expenses.

Estate Planning
Estate planning ensures your assets are distributed according to your wishes. It's important to have a clear will and possibly consider setting up trusts to manage your estate efficiently. This minimizes legal hassles for your heirs.

Maximizing Tax Efficiency
Tax-Advantaged Investments
Explore tax-advantaged investment options. These can significantly reduce your tax burden, increasing your net returns. Consult with a tax professional to identify the best options available to you.

Tax Planning Strategies
Implement effective tax planning strategies. This includes timing your investments, utilizing deductions, and strategically withdrawing funds. Proper tax planning can save you a considerable amount of money annually.

Long-Term Financial Goals
Retirement Corpus
Estimate the corpus needed for a comfortable retirement. Consider inflation, healthcare costs, and lifestyle aspirations. Ensure your investment strategy is aligned to achieve this corpus by the time you turn 55.

Sustainable Withdrawal Strategy
Develop a sustainable withdrawal strategy for your retirement years. This involves determining how much you can withdraw annually without depleting your savings. A well-planned strategy ensures financial stability throughout your retirement.

Empathetic Considerations
Balancing Lifestyle and Savings
It's important to balance your current lifestyle with your savings goals. Enjoying life today while planning for a secure future is essential. Make sure your financial plan accommodates your current and future needs.

Appreciating Your Efforts
You've done an excellent job in building a diverse investment portfolio. Your disciplined approach and foresight are commendable. It's now about fine-tuning your strategy to ensure long-term security and comfort.

Final Insights
You've built a strong financial foundation with your pension, job income, and diverse investments. With a few strategic adjustments, you can enhance your portfolio's performance and ensure a comfortable retirement by 55. Focus on optimizing your mutual funds, diversifying equities, and managing liquidity. Regular monitoring, effective tax planning, and a sustainable withdrawal strategy are key. Your commitment to securing your financial future is impressive, and with careful planning, your retirement goals are within reach.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2024

Asked by Anonymous - Aug 18, 2024Hindi
Money
I am 44 with monthly income of 1.9 L per month. My current portfolio is Mutual Fund - 5 L { SIP - Rs 15000 per Month } Equity - 3 L PF - 12 L FD - 6 L NPS / PPF - 2 L Sukanya - 2 L Old Insurance policies & Ulip - Around 5 L Medical Insurance covered for family Home Loan pending - 38 L { EMI of 53000 per month } I am planning to retire by 55 and looking for a corpus of 4 Cr. Please suggest how do i proceed?
Ans: You are 44 years old with a stable income of Rs. 1.9 lakh per month. Your portfolio consists of:

Mutual Funds: Rs. 5 lakh, with a SIP of Rs. 15,000 per month.

Equity: Rs. 3 lakh in direct equity.

Provident Fund: Rs. 12 lakh, offering steady, risk-free growth.

Fixed Deposit: Rs. 6 lakh, providing secure, low-risk returns.

NPS/PPF: Rs. 2 lakh in these long-term retirement-focused instruments.

Sukanya Samriddhi Yojana: Rs. 2 lakh, a good plan for your daughter’s future.

Old Insurance Policies & ULIPs: Around Rs. 5 lakh, combining insurance and investment.

Medical Insurance: Adequate coverage for your family.

Home Loan: Rs. 38 lakh pending, with an EMI of Rs. 53,000 per month.

You aim to retire by age 55, with a target retirement corpus of Rs. 4 crore. This is an ambitious yet achievable goal with disciplined planning.

Evaluating Your Current Portfolio
Your portfolio is diversified across various asset classes. Here’s a brief assessment:

Mutual Funds: You have Rs. 5 lakh invested, with a SIP of Rs. 15,000 per month. This is a solid start, but you’ll need to increase your SIP over time to reach your goal.

Equity: Rs. 3 lakh in direct equity offers growth potential. However, direct equity requires active management and carries higher risk. Consider whether you have the time and expertise to manage this actively.

Provident Fund (PF): Rs. 12 lakh in PF provides a safe and steady return. It’s a good foundation for your retirement planning, but it alone won’t suffice to reach your Rs. 4 crore target.

Fixed Deposit (FD): Rs. 6 lakh in FD is low-risk but offers limited growth. This is useful for emergencies or short-term needs, but it won’t help much in wealth accumulation.

NPS/PPF: Rs. 2 lakh here is beneficial for long-term tax-efficient growth. Continue contributing to these, as they will form part of your retirement corpus.

Sukanya Samriddhi Yojana: Rs. 2 lakh is a smart investment for your daughter’s education and marriage expenses. This is a long-term, tax-free investment, which is beneficial.

Old Insurance Policies & ULIPs: Rs. 5 lakh here may not be optimally allocated. ULIPs often have high costs and suboptimal returns compared to mutual funds. These should be reviewed and possibly restructured.

Medical Insurance: You’ve ensured coverage for your family, which is essential. This helps safeguard your financial planning from unexpected medical expenses.

Home Loan: Rs. 38 lakh pending with an EMI of Rs. 53,000 per month is a significant commitment. This is manageable given your income but impacts your monthly cash flow. Paying this off before retirement would ease financial pressure.

Steps to Reach Your Rs. 4 Crore Retirement Corpus
To achieve a retirement corpus of Rs. 4 crore by age 55, a structured approach is necessary. Let’s break it down:

1. Increase Your SIP Contributions
Current Situation: You invest Rs. 15,000 per month in SIPs. While this is good, it’s not enough to reach your Rs. 4 crore goal.

Recommended Action: Gradually increase your SIP contributions. Aim to increase by at least 10-15% every year. As your income grows, channel a portion of the increments into your SIPs. This helps in capitalizing on the power of compounding.

Focus on Actively Managed Funds: Actively managed funds are preferable over index funds due to their potential for higher returns. Work with an MFD with CFP credentials to choose the best funds.

2. Review and Restructure Old Insurance Policies & ULIPs
Current Situation: You have Rs. 5 lakh in old insurance policies and ULIPs. These may not be the most efficient investments for wealth creation.

Recommended Action: Review these policies with your Certified Financial Planner. If they are underperforming or carrying high costs, consider surrendering them and reallocating the funds to mutual funds. This will give you better returns in the long run.

Shift Focus to Term Insurance: If you don’t have term insurance, consider getting it. Term insurance offers high coverage at a low cost, ensuring your family’s financial security without mixing insurance and investment.

3. Maximize Contributions to PPF and NPS
Current Situation: You have Rs. 2 lakh in PPF and NPS combined. These are long-term, tax-efficient investment vehicles.

Recommended Action: Maximize your contributions to PPF each year. It’s a risk-free, tax-free option with a decent return. NPS is also beneficial, especially for its tax advantages. Consider increasing your NPS contributions, especially if your employer offers matching contributions.

Diversify Within NPS: Choose an asset allocation within NPS that aligns with your risk tolerance. A mix of equity and debt within NPS can provide balanced growth and safety.

4. Pay Down Your Home Loan Strategically
Current Situation: You have Rs. 38 lakh left on your home loan, with a hefty EMI of Rs. 53,000 per month.

Recommended Action: Paying off your home loan before retirement should be a priority. You don’t want a large liability hanging over your head post-retirement. Consider making additional payments towards the principal whenever possible. This will reduce the loan tenure and the interest paid over time.

Balance Between Investment and Loan Repayment: While it’s important to pay down your loan, don’t compromise on your investments. Find a balance where you can continue to grow your wealth while reducing debt.

5. Emergency Fund and FD Utilization
Current Situation: You have Rs. 6 lakh in FD, which is good for emergencies.

Recommended Action: Keep at least 6-12 months’ worth of expenses in your FD as an emergency fund. If you have excess funds beyond this, consider moving them to higher-yield investments, such as mutual funds or PPF, which offer better growth prospects.

Liquidity Needs: Ensure your emergency fund is easily accessible. Don’t tie up all your savings in long-term investments without having liquid reserves.

6. Direct Equity and Risk Management
Current Situation: You have Rs. 3 lakh in direct equity. This carries higher risk and requires active management.

Recommended Action: Evaluate your equity portfolio with your Certified Financial Planner. Ensure your stock picks align with your risk tolerance and retirement goals. If managing direct equity is overwhelming, consider shifting some of these funds to mutual funds, where professional managers can handle your investments.

Diversification: Avoid over-concentration in any one sector or stock. Diversify your holdings to reduce risk.

7. Consider Additional Retirement Vehicles
Current Situation: Your retirement savings are spread across various instruments.

Recommended Action: Explore additional retirement vehicles such as Voluntary Provident Fund (VPF) or Senior Citizens Savings Scheme (SCSS) when you approach 55. These provide secure, government-backed options for retirement savings.

Don’t Rely Solely on One Source: Ensure your retirement corpus is spread across multiple sources to reduce risk and provide flexibility.

8. Regular Portfolio Review and Rebalancing
Current Situation: Your portfolio needs to be regularly monitored to stay aligned with your goals.

Recommended Action: Schedule regular reviews with your Certified Financial Planner. Adjust your portfolio based on market conditions and your evolving financial situation. As you approach retirement, gradually shift from high-risk to lower-risk investments to preserve your capital.

Stay Disciplined: Avoid making emotional decisions based on short-term market fluctuations. Stick to your long-term plan, and make adjustments only when necessary.

9. Estate Planning and Will Creation
Current Situation: While your focus is on retirement, it’s also essential to think about estate planning.

Recommended Action: Create a will to ensure your assets are distributed according to your wishes. This will prevent legal complications for your family later. Consider discussing with your Certified Financial Planner the need for a trust if your estate is substantial.

Nomination Updates: Ensure all your investments, insurance policies, and retirement accounts have updated nominations. This simplifies the process for your beneficiaries.

Finally
Your goal of a Rs. 4 crore retirement corpus by age 55 is achievable. It requires a disciplined approach, increasing your SIP contributions, optimizing your existing portfolio, and paying down debt. Work closely with your Certified Financial Planner to ensure your investments align with your goals. Regular reviews and adjustments will keep you on track towards a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
Hi Anu Mam Im 27 yrs old ( married) and 10 yrs old daughter. Im seperated from my husband since 2 yrs due to several reasons like he is drinking and Totally addicted to it. And he is totally dependent and now today also roaming on the roads of some streets of hyd. I belongs to an orthdox family. Now the question is one backward caste man who is married age : 33 he is interested in me and proposed me to a marriage after knowing all my past and saying that he accepts my child too. And the thing is he said a lie to me at first that he is unmarried and even though i had a good impression on him about the way he behaves with me he even treat me in a very polite manner. He says he loves me even though i too had a good impression but the things are the castes and can we both settle down with a marriage can we be happy or he is only trying to convince me to get him a wife to care care of him or only for his parents, he always talks about his own sister and also the office colleagues calls them sister and get emotional about them those who left the office. And he cries a lot which i dont trust on him and the face i see him that was not an real cry that looks like an act which i dont like in him. May he is acting ? Or really loving me, ge cares alot i feel like he is over reacting
Ans: Dear Anonymous,
If you are in doubt, then it's highly likely that he is putting on an act. Go with your intuition and hey hey, you said that he is married and so are you...You do realize that you just can't go ahead and marry while you are already to other people, right?
Focus on what's happening in your life; you obviously have to do something about it...Other relationships can wait!

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

...Read more

Anu

Anu Krishna  |1287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Relationship
Hello Ms Anu, I am a 42yr female..married since 14 yrs and have 10yr old son . I am highly qualified and financially independent. My marriage was a arranged one.. but in these 14 yrs.. I never experienced love or and attachment from my husband's side. He is a family man.. there is no other woman involved..He loves his parents and his two sisters immensely... but always treats me as a option. I feel humiliated and lonely and he has short temper when i talk about this issue... so basically I don't discuss... but that is no solution... I am suffering and unhappy. What should I do?
Ans: Dear Anonymous,
A few married men can be more focused on the women on their side of the family; it becomes easy to express love, care and attention to them as he has grown with them.
A wife happens to be someone that he is yet to understand. It requires effort to make a marriage work; your husband finds it convenient to take the easy way out and 'hang out' with his family.
So, here you take the lead and start. Start not by bringing forth your complaints as this is going to push him further to them which is going to annoy you BUT by inviting him to be with you. A lot of work, I get it...but the bottom line: that's what you want, right?
Plan dates evenings, take short vacations together, work-out together...the key is to establish a connection which never had its chance in the first place...So, give your best shot! Most times actions speak louder than words ever can...

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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