Hi, i am 34 yrs old married for the last 4 yrs. I married a man knowing he is alcoholic. I had told him that I am not someone who is very fond of sex and I am very scared to have sex as I feel it's painful for which he was okay thinking I would change after marriage. Both of us din want to have kids. It's been 4 yrs I have not had sex Nor has he ever forced me to. Tat way he respects me is what I believe, the reason initially I used to deny was he used to drink and come home , just few days after being wed he came drunk abused me physically and verbally. Things escalated during lockdown he is mentally, verbally abusive , emotionally not available. He has a problem with everyone around him, I have told him multiple times that we could go for counseling, he says okay at times and later abuses me for suggesting it. I have always been there for him, supported mentally , emotionally and financially. But I get nothing in return. I used to feel it's all coz of me not having sex but will having sex just solve all this? It's not like I have not gone to meet psychiatrists I have and they advised me few things and I have also told my husband that let's have sex but he tells some reason. Also, we do get physical make out and everything except for sex. He says when he is in a good mood that it's not about sex. He has had this abusive behaviour right from day one. Why is sex given so much importance ? much more than basic care and affection? M I at fault here? Please help me.

Ans: As you prepare for retirement, it's crucial to invest your corpus wisely to ensure a steady income and protect against inflation. Here are some considerations and recommendations:

Risk Profile: Assess your risk tolerance and investment objectives. Since you're retiring, you may prefer a more conservative approach with lower-risk investments that offer stability and income.
Asset Allocation: Consider a diversified portfolio comprising a mix of asset classes such as equities, bonds, and fixed-income instruments. Allocate a portion of your corpus to equities for growth potential and the remainder to fixed-income securities for stability and income.
Fixed-Income Options: Explore fixed-income instruments such as government bonds, corporate bonds, and fixed deposits. These provide regular interest income and are relatively safer than equities. Consider laddering your fixed-income investments to manage interest rate risk.
Inflation Protection: To protect against inflation, consider inflation-linked bonds or mutual funds that invest in inflation-protected securities. These investments adjust their returns based on changes in inflation rates, helping to preserve purchasing power over time.
Dividend-Paying Stocks: Dividend-paying stocks of established companies can provide a steady income stream in retirement. Look for companies with a history of consistent dividends and strong fundamentals.
Systematic Withdrawal Plan (SWP): Instead of investing a lump sum, consider setting up an SWP from your investment portfolio. This allows you to withdraw a fixed amount periodically, providing a regular income stream while keeping your capital invested.
Consult a Financial Advisor: Given the importance of your retirement funds, consider consulting with a certified financial planner or investment advisor. They can assess your financial situation, goals, and risk tolerance, and recommend a tailored investment strategy to meet your needs.
Regular Review: Regularly review your investment portfolio to ensure it remains aligned with your retirement goals and financial needs. Rebalance your portfolio as necessary to maintain the desired asset allocation and risk profile.
By carefully considering these factors and seeking professional advice, you can make informed investment decisions to secure a comfortable retirement and protect against inflation.

Ans: It's commendable that you've been consistently investing and increasing your SIP amount over the years. Here are some considerations and advice:

Diversification: Investing in mutual funds alongside direct stocks provides diversification, which can help mitigate risk. Given your target of building a substantial corpus by 2030, diversification is crucial for long-term wealth creation.
Risk Tolerance: Assess your risk tolerance carefully, especially since you mention investing 70% in equity. Equity investments can offer higher returns over the long term but come with greater volatility. Ensure that your risk appetite aligns with your investment strategy.
Review and Adjust: Regularly review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Consider rebalancing your portfolio periodically to maintain the desired asset allocation.
Financial Planning: Consider consulting with a certified financial planner to create a comprehensive financial plan tailored to your goals, risk tolerance, and investment horizon. A professional can provide personalized advice and help optimize your investment strategy.
Emergency Fund: Ensure you have an adequate emergency fund set aside to cover unexpected expenses or financial setbacks. This can provide peace of mind and prevent the need to dip into your investment portfolio during times of need.
Tax Planning: Keep tax implications in mind, especially as your investment amount increases. Explore tax-efficient investment options and strategies to optimize your returns and minimize tax liabilities.
Stay Informed: Stay updated on market trends, economic developments, and changes in investment regulations. Continuous learning and staying informed can help you make informed investment decisions.
Ultimately, investing 2 lakh per month in mutual funds can be a wise decision if it aligns with your financial goals, risk tolerance, and investment strategy. Just ensure you have a well-thought-out plan in place and continue to monitor and adjust your investments as needed.

Ans: I understand your concern about being in a debt trap, but there are steps you can take to address the situation and work towards financial stability:

Assess Your Debt: Start by listing out all your debts, including the outstanding amounts, interest rates, and minimum monthly payments. This will give you a clear picture of your financial situation.
Create a Budget: Develop a detailed budget that outlines your monthly income and expenses. Identify areas where you can cut back on spending to free up more money to put towards debt repayment.
Prioritize Debt Repayment: Focus on paying off high-interest debt first, such as credit card debt. Consider using the debt avalanche or debt snowball method to systematically tackle your debts.
Negotiate with Creditors: Reach out to your creditors to discuss repayment options. They may be willing to negotiate lower interest rates, waive fees, or offer a repayment plan that fits your budget.
Explore Debt Consolidation: Consolidating your debts into a single loan with a lower interest rate can make it easier to manage and potentially reduce your overall interest costs. However, be cautious and carefully evaluate the terms and fees associated with any consolidation offer.
Increase Your Income: Look for opportunities to increase your income, such as taking on a part-time job, freelancing, or seeking a higher-paying position within your company.
Seek Professional Help: If you're feeling overwhelmed or unsure about how to proceed, consider seeking assistance from a financial counselor or debt relief agency. They can provide guidance and support tailored to your specific situation.
Avoid Taking on New Debt: While you're working to pay off your existing debt, avoid taking on any new debt if possible. Stick to your budget and focus on living within your means.
It may take time and discipline, but with a solid plan and commitment to debt repayment, you can overcome your debt challenges and regain control of your finances. Remember to be patient with yourself and celebrate small victories along the way.

Ans: To achieve your financial goals of building a corpus of 1 crore for yourself and saving 30 lakhs for your parents' retirement, here's a suggested plan:

Start Early and Save Consistently: Given your age, starting early and saving consistently will work in your favor. Allocate a portion of your income towards savings and investments each month.
Emergency Fund: Begin by building an emergency fund equivalent to at least 3-6 months' worth of living expenses. This fund will provide financial security in case of unexpected expenses or loss of income.
Investment in Mutual Funds: Consider investing in mutual funds through SIPs (Systematic Investment Plans). Choose a mix of equity and debt mutual funds based on your risk tolerance, investment horizon, and financial goals.
Equity Mutual Funds for Long-Term Growth: Allocate a significant portion of your investment towards equity mutual funds, which have the potential to deliver higher returns over the long term. Since you have a long investment horizon, you can afford to take higher risks for potentially higher rewards.
Debt Mutual Funds for Stability: Allocate a portion of your investment towards debt mutual funds for stability and capital preservation. Debt funds can provide steady returns while minimizing the overall portfolio risk.
Retirement Planning for Parents: For your parents' retirement savings, consider investing in a mix of fixed income instruments such as Senior Citizen Savings Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), and debt mutual funds. These options provide regular income with capital protection.
Regular Review and Adjustments: Regularly review your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment goals.
Consult with a Financial Advisor: It's advisable to consult with a certified financial planner or investment advisor who can assess your financial goals, risk tolerance, and investment options, and provide personalized recommendations tailored to your specific needs and circumstances.
By following these steps and investing wisely, you can work towards achieving your financial goals and securing a comfortable future for yourself and your parents.

Ans: Hello Sundeep!
Yes I am doing well and hope the same for you!!

I would love to help you on this.
Here's the to do list for you to increase your visibility in your organisation-
1. always dress up for the next level. Always wear ironed clothes. A collared shirt, formal trousers, polished shoes. Your socks need to match your trousers. A neat formal belt. Belt and shoes to match . Look the part
2. hone your communication skills. Communicate in a concise and precise manner, with the right tonality. Be an assertive communicator
3. develop leadership qualities
4. build on the three C's - Confidence, Capability and Credibility
5. be an enthusiastic team player
6. develop public speaking skills, just look at all the leaders, they all speak so well, it is a learnable skill
7. grab the opportunities that come your way and prove that you are ready for the next level
8. don't participate in office gossip
9. help your juniors, every leader does this. The benefits of this are immense, you become better when you teach, you develop leadership skills, you create positivity in the office, you develop communication skills and you become popular
10. work hard, work smart

I don't want to overwhelm you with more, just do these 10 pointers and see the difference it'll make to your image in the office.

And above all believe in yourself, you have 10 yrs of experience and believe that you are ready to scale upwards now!

At the end of the day...be happy and spread happiness too!!

All the very best and more power to you!!

Ans: Start SIP after completing your EMI, I don't know what is the meaning of peaceful retirement for you and what is your goal for marriage and education of your children

Ans: No you may not be able to reach to the corpus of 2 crores but if you wait for 15 years than its possible to reach to the target of 2 crores elso you have to double SIP amount for 10 years

Ans: To have monthly 1.5 Lakh from the age of 50 you need to have a Corpus of minimum 3 crores. To have this corpus you need to do SIP of 45K for 17 years

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