I am 39 years old and so is my wife. We have 09 year old daughter and 01 year old son. We both have undergone mental trauma due to family negativity and did'nt get my share of property from my father, not even a penny. And due to this stress, my daughter got skin irritation since birth and my wife got fungal infection near thighs from last few years. We are truly upset, still living in rented accommodation. And due to these circumstances, there is lot of shouting and pain at home. I am in need of PEACE but no respite. Hence, sex become obsolete in my life, my wife never interested in this, we have done only few times in last 05 years, rarely. Please advice, how can there be Peace at home and live a happy life emotionally and physically?

Ans: Since you have already tried many things, itis best to consult an aesthetic expert who could check u physically, assess your skin and then advice

Ans: Learning is a continuous process. So doing a course in Finance should not be a problem. As far as getting into LnD domain, start with being a faculty in one of the colleges or can start with taking private tuitions. See if it suits you. If it does, then you can decide to make the switch.

Ans: Dear Anonymous,
The best approach in this matter is to express your feelings directly, instead of beating around the bush. That way, you can also understand whether she has the same feelings for you.
And as for the two-year difference, if it does not matter to you and her, it shouldn't be a concern.

Best Wishes.

Ans: Dear Anonymous,
It's okay if it is taking you a little more time than others to build a connection. Remember, everyone moves at their own pace.

If you are facing issues meeting new people, I would suggest using a dating app. You can mention your intentions in the bio- for instance, using the app for serious dating, or casually looking for someone to date, or marriage, etc. This way, you can attract people who have the same end goal as you. Mention the interesting things about you that make you unique. Put up a nice display image with a recent picture, possibly showcasing something that defines you. I am sure you will find the right match in no time. Plus, in online dating, you do not have to meet people face-to-face immediately. You can first chat and take your time to connect on a deeper level and then commit to meeting in person.

Also, there's nothing wrong in being a little picky.

Hope this helps.

Ans: Dear Oldie86,
If it is bothering you so much, I would suggest discussing the matter with your husband. It being out in the open will give you peace of mind. I understand your concern, but there is no point in overthinking. Just remember that all of that is in your past, and you were in a committed relationship. It wasn’t your fault. Focus on your present and future.

Best Wishes.

Ans: Dear Anonymous,
I understand that you are hurting but if she has asked for space, you should respect it. Confessing your feelings for her did not deserve such a harsh reaction, but at the same time, she might have been looking at it from a different perspective where she didn't want you to assume the continued friendship as any form of interest and indulgence. Please focus on yourself- I am sure you have other friends who want you in their lives. Focus on those friendships.

Best Wishes.

Ans: Hello;

Please answer following queries so as to give you an appropriate response.

How much is your regular monthly expense, currently?

Do you plan to pursue any alternate vocation after quitting regular employment? If yes what is the expected earning?

Is your spouse working? If yes what is the monthly income?

Thanks;

Ans: Your Current Financial Snapshot
Age: 48 years.
Monthly Salary: Rs. 2.5L.
Expenses: Rs. 1L per month.
Monthly Savings Potential: Rs. 1.5L from Dec 2024 to June 2026.
Retirement Planned: June 2026 (1.5 years away).
Your focus should be on ensuring financial security post-retirement and balancing short-term and long-term returns.

Key Investment Strategy
1. Short-Term Investments (1.5 Years)
Since your investment horizon is limited, focus on low-risk options with stable returns.

Debt Mutual Funds: Ideal for low volatility and reasonable returns. Use short-duration or liquid funds for flexibility.
Fixed Deposits or Recurring Deposits: Use these for safe, guaranteed returns with easy liquidity.
Sovereign Bonds (T-Bills): Consider Treasury Bills for short-term secure returns.
Avoid heavy exposure to equities or Nifty-50 for this period due to potential market volatility.

2. Post-Retirement Monthly Income Plan
After retiring in June 2026, ensure a steady cash flow with the following allocation:

Systematic Withdrawal Plan (SWP): Invest a portion in balanced or conservative hybrid funds to withdraw monthly income while preserving capital.
Senior Citizens’ Savings Scheme (SCSS): Once eligible at 60, invest for a regular, safe income with high returns.
Debt Instruments: Keep part of your corpus in FDs or debt mutual funds for liquidity.
3. Long-Term Growth Strategy
If you can continue investing beyond June 2026, allocate part of your corpus to equity for inflation-beating growth:

Equity Mutual Funds: Diversify across large-cap, mid-cap, and multi-cap funds for growth.
SIP in Nifty-50 Index Funds: These are suitable for moderate risk-takers seeking simple, long-term returns.
Balanced Advantage Funds: Ideal for long-term goals with dynamic asset allocation.
For long-term equity investments, a horizon of 5+ years is recommended to mitigate market volatility.

Step-by-Step Plan for Monthly Savings (1.5 Years)
Allocate Rs. 1.5L monthly as follows:

Rs. 75,000 (50%): Debt mutual funds or fixed deposits for short-term stability.
Rs. 45,000 (30%): Balanced advantage funds for moderate risk and growth.
Rs. 30,000 (20%): Large-cap equity funds or Nifty-50 index funds for long-term growth (only if you extend beyond 1.5 years).
Additional Recommendations
Emergency Fund: Ensure you have at least Rs. 12-15L as an emergency fund before investing aggressively.
Health Insurance: Upgrade your health insurance to cover unforeseen medical expenses post-retirement.
Tax Planning: Maximise benefits under Section 80C through ELSS, PPF, or EPF. Use other tax-saving instruments as applicable.
Avoid Overexposure to Stocks: Direct stock investments are riskier unless you have expertise. Stick to diversified mutual funds.
Final Insights
For 1.5 years, focus on low-risk investments like debt funds and FDs.
Extend equity investments for at least 5 years to see meaningful growth.
Balance risk and returns by diversifying across asset classes.
Regularly review your portfolio and adjust based on retirement needs.
For personalised planning, connect with a Certified Financial Planner to align investments with your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: It will not be easy to find a job, but can try contacting placement agency. Can look at teaching part time in relevant areas in a college.