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Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 24, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Pramila Question by Pramila on Aug 22, 2023Hindi
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Relationship

Hi, I am a 38 year n married since 7 yrs. Its a love at first sight for me & he had a severe break up before our marriage. My husband is a person of heart & philosophy. His philosophy was not to talk to opposite gender, not having male friends etc which he had clarified before marriage. As I am not good at introspection I couldn't understand the depth of his philosophy. Due to that he thought I have broken his trust by talking to other gender. I know I am talking casually without any feelings. I tried a lot to explain him but he is not ready to accept it. Now he is saying I have changed & I expect you to not break my trust again. And also he has admitted that its a genetic issue that he was a suspicious mindset like his father with whom we were staying earlier days of our marriage, We got married in a spiritual institution. Due to the struggle & pain he went through in the cult he left the cult & became an atheist & now he wants me to leave it. I am very stubborn & an independent lady, I love him but due to such forcing behavior of him, many times I have threatened him to go for a divorce. But my mind & heart doesn't allow me to separate from him & meanwhile my heart is not allowing me to leave the spiritual practice which gives me the inner peace & an ultimate happiness. Please guide. I am completely confused.

Ans: Dear Pramila,
Let's get some facts straight here:
1. Spirituality does not force any ideologies or binds you to it. So, if you feel forced by any spiritual practice, then let it go...BUT if it gives you something of value in return, by all means pursue it.

2. When your husband admitted that his mistrusting nature must be genetic, are you actually going to believe that? It's a choice that he has made to not want to trust you

3. What trust has been broken according to him? The fact that you spoke with someone of the opposite gender? For all the independence that you talk of, how free and liberated do you feel here?

Yes, i do agree it takes a moment to make the decision to break a relationship but certainly if you want to continue, you may want to reset the boundaries and use your stubborn nature to be assertive as you nurture the relationship. But do become aware that it works both ways. So if your husband is still playing the blame-game, you might want to rework how to be your own person, have your thoughts and ideas and yet be a part of the marriage. Watch his reactions and if it's still regressive, you have a lot of work to do there!

All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    Ans:

    Dear MK,

    This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

    It's cyclical and traps you within in the loop.

    He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

    To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

    Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

    If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

    All the best!

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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    Relationship
    Dear Anu, I would like to discuss about a problem in my married life with you. Me and my husband had a love marriage 21 years ago. Before our marriage also my husband had many relationships and affairs but since he was very true about everything and he promised to change things, we married. Though, our family was a happy one and we have two grown up kids also, everything seems OK from outside. But actually, my husband has had many affairs after our marriage also. He has never left his habit of impressing females around him, it may be his colleagues or some common friends etc.. and I always come across some or the other female in his life. Some of the affairs have been so serious that they even went ahead and spent days and nights together. Every time, I discover some affair, he admits his mistake and tells me to move on, but he never believes in correcting his mistakes and either continues with the affair or finds a new partner. I have lost all trust in him but since I am not earning and have two grown up kids and also love him a lot, can't think of separation. I have tried confronting him though but he gets angry always and blames me for spoiling our family life and not moving on. Also, would like to accept that he is very supportive in family matters, loves his family a lot, is very dedicated to his work and to his kids, he is very empathetic towards people, helps everyone but needs his own space too. I am completely confused about what should I do. I am unable to trust him for anything and we keep arguing over smallest things. Hope you will reply to me. Thanks.
    Ans: Dear TT, I can only imagine what you must be going through.

    Since you want to continue in the marriage, that choice is something I presume that has emerged after a lot of thought and I respect it.

    The way this marriage will work is communicate clearly to him that his philandering ways have to stop as it is affecting you and the marriage.

    If this doesn’t work, he seriously needs help in dealing with this…sometimes people don’t realise that they are jeopardizing their marriages.

    I am not defending him but simply stating that sometimes people get themselves into a trap of not so useful situations and quite don’t know how to get out of it.

    Also, what he might gain from so many extra marital relationships is something that he needs to find in other ways rather than swaying outside of the marriage.

    This requires him to work with an expert as he will most likely not yield to your requests like in the past. Mere talking will not be enough; he possibly needs intensive therapy.

    This will help him reunite with his family that he loves so much and he can be around completely without having to seek pleasure outside eroding the foundation of marriage.

    As he seems to get better, it’s time for you to live your life as well, right?

    What is it that you haven’t done in years? What is it that you gave up after marriage or after having kids?

    What excites you enough for you to step up for yourself and create your own happiness? Simply DO THAT.

    This will help you get back on your feet; who knows you might discover something that actually may end up becoming a money generator as well!

    I wish you the best!

    ..Read more

    Kanchan

    Kanchan Rai  |183 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Mar 20, 2024

    Asked by Anonymous - Feb 19, 2024Hindi
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    Relationship
    Hello, I am 35 years old. Married. Not living with husband since an year, as he flirted with an office girl (this is the extent of it that I caught) and has tendency to do so. He is not emotionally aware (of himself or me) and I keep getting hurt as I am quite emotional. Also, I am not on talking terms with his parents as they had tried to sabotage our marriage in different ways on countless occasions. My husband wont agree (not that I want him to agree), but I think that's one reason of our increasing differences. I love him, but cannot find in my heart to move back with him ever again. We have a 5 year old kid, due to whom I am unable to move ahead with divorce. I am stuck in the midst, not knowing where to go next or stay in this same 'married but separated ' position forever. I'm definitely happier without the everyday petty bickering that we had when we lived together (which was turning me into a bitter and angry person, I don't want to be that). I have turned extremely distrustful of him. I do feel very lonely at times. We also went to a guidance counsellor to make the relation work some 1.5 years back, but my husband felt its a waste of money after 5 sessions, also he never invested in the emotional sorting that the counsellor mentioned our relation required. Any guidance?
    Ans: It sounds like you're facing a complex and challenging situation. Here are some steps you might consider as you navigate your next steps:

    Take care of yourself first and foremost. This means prioritizing your mental and emotional well-being. Consider seeking support from a therapist or counselor who can help you process your feelings, develop coping strategies, and explore your options moving forward.
    Take some time to reflect on what you want for yourself and your child in the long term. Consider what kind of environment you want to create for your child, as well as what you need in terms of emotional fulfillment and stability.
    If you feel comfortable, consider having an open and honest conversation with your husband about your concerns and feelings. Express how his actions have affected you and what you need from him moving forward. However, be prepared for the possibility that he may not be receptive or willing to change.
    Consult with a family law attorney to understand your rights and options regarding divorce, custody, and child support. They can provide guidance tailored to your specific situation and help you navigate the legal process.
    Regardless of whether you choose to stay married or pursue divorce, prioritize effective co-parenting for the well-being of your child. This may involve setting clear boundaries, communicating openly about parenting decisions, and prioritizing your child's needs above any personal conflicts.
    Consider exploring alternative living arrangements or custody agreements that may better suit your needs and preferences. This could include living separately while co-parenting, or exploring shared custody arrangements that provide stability for your child while allowing you to maintain some distance from your husband.
    Reach out to friends, family members, or support groups for additional support and guidance. It can be helpful to connect with others who have gone through similar experiences and can offer empathy, advice, and solidarity.
    Ultimately, the decision of whether to stay married or pursue divorce is a deeply personal one that only you can make. Take your time, trust your instincts, and prioritize your own well-being and that of your child as you navigate this challenging process.

    ..Read more

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    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - Apr 30, 2024Hindi
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    Money
    My mother have 10 laks. Currently in FD so whatever interst she got she manage home on that interst. She is living alone so need to ask what is the better way to keep her money safe but interst she got higher than current interst value. Is SWP is good option for her ?
    Ans: Considering your mother's situation, using a Systematic Withdrawal Plan (SWP) can be a good option to potentially earn higher returns while maintaining liquidity and safety for her funds. Here's why SWP could be beneficial:

    Potential for Higher Returns:
    By investing the funds from the FD into a suitable mutual fund or conservative investment option, your mother may earn higher returns compared to the current FD interest rate.
    With SWP, she can periodically withdraw a fixed amount, which may include both the returns generated by the investment and a portion of the principal amount, depending on her withdrawal needs.
    Liquidity:
    SWP provides flexibility, allowing your mother to withdraw a fixed amount at regular intervals to meet her living expenses.
    Unlike traditional FDs, where the entire amount is locked in for a fixed tenure, SWP allows her to access her funds whenever required, providing liquidity.
    Safety:
    While investing in mutual funds or other investment options carries some level of risk, your mother can choose relatively safer options such as debt funds or balanced funds to minimize risk while still earning potentially higher returns.
    Ensure that the chosen investment aligns with her risk tolerance and investment horizon.
    Regular Income:
    SWP can provide your mother with a regular source of income, similar to the interest earned from FDs, but potentially at a higher rate.
    By withdrawing a fixed amount at regular intervals, she can manage her expenses effectively without depleting her entire investment.
    Professional Advice:
    Before proceeding with SWP, it's advisable to consult with a financial advisor or Certified Financial Planner.
    A professional can assess your mother's financial situation, risk tolerance, and investment goals to recommend suitable investment options and withdrawal strategies that align with her needs.
    Overall, SWP can be a viable option for your mother to potentially earn higher returns while maintaining liquidity and safety for her funds. However, it's crucial to carefully evaluate the investment options and withdrawal strategy based on her individual requirements and consult with a financial expert for personalized advice.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - May 07, 2024Hindi
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    Money
    I invest 20% in nifty 200 momentum, 40% in midcap 150 momentum 50 and 20% in smallcap 250 momentum quality 50 remaining 20% i invest in debt fund I'm investing for more then 10years but I'm thinking of stoping my investment in 200 momentum and thinking of investing in smallcap is it a good idea
    Ans: Switching your investment from Nifty 200 momentum to small-cap stocks can be a significant decision, so let's evaluate it:

    Market Dynamics:
    Small-cap stocks generally offer higher growth potential but come with increased volatility and risk compared to large-cap stocks.
    Mid-cap stocks occupy a middle ground, offering a balance between growth potential and risk.
    Risk Consideration:
    Shifting your investment from large-cap (Nifty 200 momentum) to small-cap stocks could potentially increase the risk in your portfolio due to the higher volatility associated with small-cap stocks.
    Ensure that you're comfortable with the increased risk and have a long-term investment horizon to ride out market fluctuations.
    Diversification:
    Review your overall portfolio diversification. If you already have exposure to mid-cap and small-cap stocks, adding more small-cap stocks may further increase concentration risk in your portfolio.
    Consider maintaining a balanced allocation across large-cap, mid-cap, and small-cap stocks to spread risk effectively.
    Investment Horizon:
    Assess your investment horizon and risk tolerance. Small-cap stocks are best suited for investors with a long-term horizon who can withstand short-term market volatility.
    Ensure that your decision aligns with your financial goals and investment strategy.
    Professional Advice:
    Consider consulting with a financial advisor or Certified Financial Planner to evaluate your investment strategy, assess the impact of switching to small-cap stocks, and ensure it aligns with your overall financial plan.
    A professional can provide personalized guidance based on your individual circumstances and help you make informed decisions.
    Ultimately, whether to switch your investment from Nifty 200 momentum to small-cap stocks depends on your risk appetite, investment horizon, and portfolio diversification strategy. Evaluate the potential risks and rewards carefully and seek professional advice if needed before making any changes to your investment strategy.

    ...Read more

    Sushil

    Sushil Sukhwani  |334 Answers  |Ask -

    Study Abroad Expert - Answered on May 07, 2024

    Asked by Anonymous - Apr 23, 2024Hindi
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    Career
    Hello My Daughter pursuing B.A Psychology Hons from Lady shri Ram college Delhi University and her keen interest to become clinical psychologist and targeting to pursuing M.phil from Nihmans Bangalore. Is it correct strategy? Every one targeting to go abroad and pursue higher degree in Psychology, how you rate india's top noch institute vs abroad?
    Ans: Hello,

    To begin with, thank you for contacting us. I am happy to hear that your daughter is currently pursuing her Bachelor of Arts (Hons.) Psychology after which she intends pursuing Master of Philosophy (M. Phil.). To answer your question first, I would like to tell you that your daughter’s plan of studying a B.A. in Psychology Honours from Lady Shri Ram College, Delhi University, and then subsequently pursuing an M.Phil from NIMHANS, Bangalore, appears to be a sound one, especially if she aspires to be a clinical psychologist. You would be glad to know that both, Lady Shri Ram College and NIMHANS are prominent institutions well-known for offering high-quality psychology education.

    When deciding whether to pursue a further psychology degree overseas or in India, I would like to tell you that both options have their merits and disadvantages.

    Remember that students studying overseas gain exposure to a broad range of viewpoints, cultural backgrounds, and possibly state-of-the-art research facilities and techniques. Moreover, one’s horizons can be expanded and he/she can be offered significant global experience, which can prove beneficial in an interconnected world.

    On the other hand, India also houses a number of prestigious universities, viz., NIMHANS, which are highly recognized for their proficiency in and contributions to the psychological domain. Remember that studying in India can provide students with knowledge of local surroundings, networks, and future job prospects in the nation’s healthcare and academic sectors.

    Lastly, the decision should best resonate with your daughter’s personal as well as career objectives. If she intends working in India and participating in regional mental health initiatives, then I would like to tell you that pursuing a Master of Philosophy (M. Phil.) at NIMHANS could be a great option. On the other hand, if your daughter is interested in learning about varied cultures and possibly working overseas, then studying overseas might be a better option.

    I would recommend that your daughter conducts a comprehensive study on both options, taking into account variables viz., her individual preferences, experience of the faculty members, possibilities for research, as well as the job opportunities. Not just that, in order to make an educated choice that best resonates with her ambitions, I would suggest that your daughter seeks counsel from industry professionals, instructors, and alumni.

    For more information, you can visit our website.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - Apr 30, 2024Hindi
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    Hi i am 27 and from last 2 years i am investing 9k per month in following funds 2k in quant Small cap 2k in Nippon large cap 1.5k in ICICI technology, 1.5k in HDFC midcap opportunity & 1.5k in franklin flexicap. My aim is to get 1 cr by the time i reach 40 Kindly Review my portfolio and suggest me.
    Ans: It's excellent to see your commitment to investing at such a young age! Let's review your portfolio and make some suggestions to help you achieve your goal of reaching 1 crore by the time you turn 40:

    Portfolio Review:
    Quant Small Cap, Nippon Large Cap, ICICI Technology, HDFC Midcap Opportunity, and Franklin Flexicap are diversified funds covering various market segments.
    Your portfolio reflects a good mix of small-cap, large-cap, mid-cap, and flexi-cap funds, which can help spread risk across different sectors and market capitalizations.
    Investment Strategy:
    Continue with your systematic investment plan (SIP) approach, as it allows you to invest regularly and take advantage of rupee cost averaging.
    Consider increasing your SIP amount gradually as your income grows to accelerate wealth accumulation.
    Risk Management:
    Keep an eye on the performance of individual funds and review them periodically to ensure they align with your investment goals and risk tolerance.
    Monitor the sectoral exposure of your portfolio and ensure it remains well-diversified to mitigate concentration risk.
    Goal Setting:
    Revisit your financial goals periodically and adjust your investment strategy as needed to stay on track.
    Consider incorporating other investment avenues, such as debt funds or index funds, to further diversify your portfolio and manage risk.
    Professional Advice:
    Consider consulting with a financial advisor or Certified Financial Planner to assess your risk profile, review your investment strategy, and tailor a plan that aligns with your goals.
    A professional can provide personalized guidance and help you make informed investment decisions as you work towards achieving your financial objectives.
    Overall, your investment portfolio appears well-structured and diversified, which is essential for long-term wealth creation. Stay disciplined in your approach, continue to invest regularly, and seek professional advice when needed to maximize your chances of reaching your goal of 1 crore by the age of 40. Keep up the good work!

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - May 02, 2024Hindi
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    Hello sir, my age is 48 years working professional and wants good corpus after 8 years for retirement . I am having SIP in direct plan as follows Parag Parikh flexi cap fund 15000 pm Quant Active Fund. 5000 Mirae asset Large and Mid cap. 5000 Kotak emerging equity fund 5000 Quant Mid cap Fund. 5000 Nippon India small cap fund. 5000 Addinationally, lumsum inventment as below DSP Nifty 50 Equal Weight Index Fund - Direct Plan - Growth 200000 Quant Large Cap Fund - Direct Plan - Growth -300000 ICICI Prudential Short term Fund Direct- 200000 NPS 50000 per year from year 2017 Kindly please review my portfolio and advise and guide I can add 10000 per month in SIP in this thank you
    Ans: It's great to see your proactive approach to retirement planning through SIPs and lump sum investments. Let's review your portfolio and discuss potential adjustments:

    SIPs:
    Parag Parikh Flexi Cap Fund, Mirae Asset Large and Mid Cap Fund, and Kotak Emerging Equity Fund offer diversification across different market segments.
    Quant Active Fund, Quant Mid Cap Fund, and Nippon India Small Cap Fund provide exposure to growth-oriented stocks.
    Consider reviewing the performance of each fund periodically and ensure they align with your risk tolerance and investment goals.
    Lump Sum Investments:
    DSP Nifty 50 Equal Weight Index Fund provides exposure to a diversified portfolio of Nifty 50 stocks.
    Quant Large Cap Fund offers potential growth opportunities in large-cap stocks.
    ICICI Prudential Short Term Fund Direct is a suitable option for short-term liquidity needs.
    NPS contributions provide tax benefits and retirement savings growth potential.
    Additional SIP Contribution:
    Increasing your SIP contribution by 10,000 per month can accelerate wealth accumulation and help achieve your retirement corpus goal.
    Consider allocating the additional SIP amount across existing funds or exploring new funds to enhance diversification.
    Review and Rebalance:
    Regularly review your portfolio's performance and rebalance if needed to maintain optimal asset allocation.
    Assess your risk tolerance and adjust your investment strategy accordingly to ensure it remains aligned with your financial objectives.
    Seek Professional Advice:
    As a Certified Financial Planner, I recommend consulting with a financial advisor to conduct a comprehensive review of your portfolio.
    A professional can provide personalized guidance based on your individual circumstances and help optimize your investment strategy.
    By staying disciplined in your savings and investment approach and periodically reviewing your portfolio, you can work towards building a substantial corpus for your retirement. Keep up the good work, and remember to stay focused on your long-term financial goals.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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    Hello sir I am doctor with 41 yrs age . I have about 1cr investment in mf and I am doing 1.30 lakhs sip per month . Plus I have 40 lakhs in ppf and 25 lakhs invested in icici pru and emergency funds of 7 lakhs in Fd. I have real estate investment of 3 cr in land and flats which gives me 40 thousand rent per month I don’t have any loans on me.my monthly income is 4 lakhs .i have also investing 50,000 per year in nps with 10 lakh present value in nps . I have two kids with 12 yrs and 8 yrs old . My goal is to accumulate 2cr for kids education in next 10 yrs and monthly pension of 2 lakhs per month on retirement on age of 60 .is it possible
    Ans: It's great to see your disciplined approach to investing and planning for your future. Let's assess your goals and see if they are achievable:

    Kids' Education Fund:
    With a monthly SIP of 1.30 lakhs and existing investments, you have a strong foundation to accumulate the desired 2 crore corpus for your kids' education in the next 10 years.
    Ensure that you review your investment strategy periodically to optimize returns and align with your target timeframe.
    Monthly Pension:
    To achieve a monthly pension of 2 lakhs at the age of 60, you'll need to estimate the corpus required using the concept of retirement planning.
    Consider factors such as inflation, expected rate of return on investments, and life expectancy to determine the corpus needed to generate the desired pension amount.
    Retirement Planning:
    Review your current retirement savings, including investments in MFs, PPF, ICICI Pru, NPS, and real estate.
    Calculate the gap between your current retirement corpus and the required corpus to generate a monthly pension of 2 lakhs.
    Adjust your savings and investment strategy accordingly to bridge the gap and achieve your retirement goal.
    Regular Review and Adjustment:
    Regularly monitor your investments and track your progress towards your financial goals.
    Make adjustments to your investment strategy as needed based on changes in your income, expenses, market conditions, and life circumstances.
    Professional Advice:
    Consider consulting with a financial advisor or Certified Financial Planner to develop a comprehensive financial plan tailored to your specific needs and goals.
    A professional can help you assess your current financial situation, set realistic goals, and create a roadmap to achieve them.
    With careful planning, disciplined saving, and prudent investing, it's possible to achieve your financial goals of funding your kids' education and securing a comfortable retirement. Stay focused on your objectives, and continue to make informed decisions to build a brighter financial future for yourself and your family.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - May 02, 2024Hindi
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    Money
    Hi Sir, I am 37 years old and currently have about 1.1 C as investments across various instruments such as MF, Shares, PF, SSY, Gold and ESOPs. My current yearly expenses work out to be 22 lacs. How much do I need to accumulate as a corpus by the age of 45 to sustain my current lifestyle as well as to fund my kid's higher education (around same time) and marriage (another 10 years from then)?
    Ans: To determine the corpus you need to accumulate by the age of 45 to sustain your current lifestyle, fund your kid's higher education, and marriage, we'll need to consider several factors:

    Current Expenses:
    Your current yearly expenses amount to 22 lakhs. We'll use this figure as a baseline to estimate your future expenses.
    Inflation:
    Consider the impact of inflation on your expenses over time. Typically, education and marriage costs tend to rise at a higher rate than general inflation.
    Higher Education Costs:
    Estimate the future cost of your kid's higher education by factoring in the current cost, inflation rate, and the number of years until they start college.
    Marriage Expenses:
    Similarly, estimate the future cost of your kid's marriage by considering the current average marriage expenses, inflation rate, and the number of years until the event.
    Investment Growth:
    Assess the growth potential of your current investments across various instruments, including mutual funds, shares, PF, SSY, gold, and ESOPs. Consider historical returns and future growth projections.
    Corpus Calculation:
    Use a financial planning tool or consult with a financial advisor to calculate the required corpus based on your current expenses, future expenses, inflation, and investment growth assumptions.
    Ensure that the corpus is sufficient to cover both your retirement needs and your kid's education and marriage expenses.
    Regular Review:
    Regularly review your financial plan to track your progress towards your goals and make necessary adjustments based on changes in your income, expenses, investment performance, and life circumstances.
    Given your age and financial situation, it's essential to start planning and saving for your future goals as early as possible. By investing wisely and regularly reviewing your financial plan, you can work towards achieving your financial objectives and securing a comfortable future for yourself and your family.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - May 02, 2024Hindi
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    Money
    Hi, I'm 35 yrs I can invest 25000-50000 per month, where should i invest. I can take moderate risk, 10yrs time horizon, I invested 10lakhs in direct shares already. Investing in Mirae ELSS monthly 4000rupees Not invested in any other mutual funds. I earn monthly 1 lakh, no emi, i can save 80k per month, let me know where i can invest 25-50k monthly
    Ans: It's great to see your proactive approach to investing and your willingness to explore additional investment avenues. Given your risk tolerance, time horizon, and monthly saving capacity, mutual funds can be an excellent option to diversify your portfolio and potentially enhance returns over the long term. Here's a suggested approach for your monthly investments of 25,000 to 50,000 rupees:

    Increase SIP Investment:
    Since you're already investing in Mirae ELSS with a monthly SIP of 4,000 rupees, consider increasing your SIP amount in this fund or adding SIPs in other mutual funds.
    Diversify Across Fund Categories:
    Allocate your monthly investment across different categories of mutual funds to diversify your portfolio and manage risk effectively.
    Consider investing in large-cap, mid-cap, and multi-cap funds to gain exposure to different segments of the market.
    Consider Systematic Investment Plans (SIPs):
    SIPs offer the advantage of rupee cost averaging and disciplined investing, making them suitable for long-term wealth creation.
    You can start SIPs with varying amounts in different funds based on your risk appetite and investment objectives.
    Fund Selection:
    Choose mutual funds with a proven track record of consistent performance, experienced fund managers, and a robust investment process.
    Look for funds with low expense ratios and high-quality portfolios that align with your investment goals and risk profile.
    Regular Monitoring and Review:
    Keep a close eye on the performance of your mutual fund investments and regularly review your portfolio to ensure it remains aligned with your financial objectives.
    Make adjustments to your investment strategy as needed based on changes in market conditions, your risk tolerance, and investment goals.
    Seek Professional Advice:
    Consider consulting with a financial advisor or Certified Financial Planner to develop a customized investment plan tailored to your specific needs and goals.
    A professional can provide valuable insights and guidance to help you make informed investment decisions and navigate the complexities of the financial markets.
    By diversifying your investments across mutual funds and adopting a disciplined approach to investing, you can potentially achieve your financial goals and build wealth over the long term. Remember to stay patient, stay focused on your long-term objectives, and avoid making impulsive investment decisions.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1546 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

    Asked by Anonymous - May 01, 2024Hindi
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    Money
    I want to invested rs.9000 per month for 15 years to get a pension 25 thousand monthly. Where should I invested to Achieve my goal? If I do sip through swp then which fund will be good for me for achieving my goal?
    Ans: To achieve your goal of receiving a monthly pension of 25,000 rupees after 15 years with an SIP investment of 9,000 rupees per month, we'll need to select suitable funds that offer growth potential while managing risk. Here's a suggested approach:

    Investment Strategy:
    Given your goal of creating a pension income, we'll focus on funds with a balanced approach that offer both growth potential and stability.
    Investing in a combination of equity and debt funds can help optimize returns while managing risk over the long term.
    Fund Selection:
    Consider allocating your SIP investment across a mix of equity funds for growth potential and debt funds for stability.
    Opt for funds with a track record of consistent performance and a strong portfolio management team.
    SIP Through SWP:
    You can structure your investment as an SIP followed by a Systematic Withdrawal Plan (SWP) to generate a regular income stream post-retirement.
    Choose funds that offer the option for SWP and have historically provided steady returns with relatively low volatility.
    Fund Recommendations:
    For equity exposure, consider diversified equity funds or balanced advantage funds that invest in a mix of large-cap, mid-cap, and small-cap stocks.
    For debt exposure, opt for short to medium-term debt funds or hybrid funds with a significant allocation to debt securities.
    Risk Management:
    Given your investment horizon of 15 years, you can afford to take a moderate level of risk.
    However, it's essential to periodically review your portfolio and adjust your asset allocation based on market conditions and your risk tolerance.
    Professional Advice:
    Consult with a financial advisor or Certified Financial Planner to tailor an investment strategy that aligns with your goals, risk profile, and investment horizon.
    A professional can help you select suitable funds, monitor your portfolio's performance, and make adjustments as needed to stay on track towards achieving your pension income goal.
    By investing systematically and prudently over the long term, you can work towards building a corpus that will generate the desired monthly pension income of 25,000 rupees after 15 years. Remember to stay disciplined in your investment approach and regularly review your portfolio to ensure it remains aligned with your financial goals.

    ...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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