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Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 13, 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
Ajay Question by Ajay on Mar 11, 2023Hindi
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I am a 40 year old unmarried male from a big metropolitan city. I am unable to find suitable Alliance to get married. I stay with my parents. I guess none of girls today are willing to stay with in-laws. Also, i cannot leave my parents alone as they are old without retirement benefits and completely dependent on me. Due to this i have become a topic of discussion/joke among colleagues in office as well as friends. This is killing me slowly day by day. I have become depressed no self esteem and goal in life. Need some advice on how survive.

Ans: Dear Ajay,
I appreciate that you care for your parents and are truly willing to be there for them. But, if it has begun to affect the course of your life, you must ask yourself: What can I do where I can care for my parents and also make a life for myself?
Most often we get stuck in a problem, thinking that there are no solutions. There are no solutions because we fail to ask ourselves the right questions which enable us to look for solutions.
You do not have to sacrifice your life to care for your parents and at the same time, you are right that in this day and age, not every woman wants to live in a joint family system.
Know this as a fact and now ACT.
1. What is it that I want at age 40 in my personal life beyond caring for my parents?
2. What can I do to make that happen? Have I tried every trick in the book to accomplish that?
3. What will stop me from building my personal life?

Answer these in all honesty and tell yourself: Anything is possible as long as I put my mind to it!
Also take solace in the fact that your parents also want to see you happy. Who knows; if you sat them down and actually told them of your dilemma, they might be able to support you as well...

All the best and do what's right for you!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 18, 2023

Asked by Anonymous - Aug 14, 2023Hindi
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Relationship
Dear Mam, Kindly note that i am a 39 yrs old guy who is not married yet. The reason behind me not getting married are basically coz i m unable to get a match at my age and none of proposals that i have seen so far, none of dem have turn positive. Now i feel like even though i want to get married, i ll end up alone in life coz at 39 i feel i will not get any match. I am very scared to living the rest of life alone.So mam i want you to help me out ways to live life alone. How to cope up with peers, relatives and colleagues pressure to get married?
Ans: Dear Anonymous,
Let's address your concerns:
1. "I want to get married or I'll end up alone.": This is not a reason to get married and you know that. Get married to build a team, a family together where you help each other grow. Incidentally, you also have a companion and lonely days instead become days filled with happy cheer and sometimes challenges as well. So, change your mindset while looking for prospects for marriage so that when you are in conversation with someone who is a match, you don't come across needy but instead focus on how the two of you grow together.
Your fear is right now pulling you into marriage rather than for more positive reasons.

2. Pressure from relatives and peers: Is it their life that you are leading? NO! Then stop focusing on what they tell you and focus on how you can make the best use of matrimonial sites or dating apps (if you choose that). Also, request your friends to set you up with someone that they might know since they know you well.

You can also join groups and communities online (beware of scams and scamsters here) where you might find like-minded people to meet and interact with. Being part of some hobby class or adventure camps may also allow for similar meeting points where you can hit it off with people who hold similar interests as yours.

Lastly, don't give up...when the time is right, it is...So, don't lose hope BUT certainly lose your current fearful mindset and embrace a mindset that is joyful and cheerful and selfless.

All the best!

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Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

Asked by Anonymous - Jun 04, 2024Hindi
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Relationship
Hi Anu... Am 39 and single woman with no income. Not working. Dependent on family. Did my MBA . I don't know what's happening in my life. Donno what to decide and how. Where to start. When to start. What to start. Should I 1st start earning or get married. I lost all my life bcz of my negligence and family issues. Never had a happy n peaceful day in my life. Something or other will be in family n life. Am not strong enough to take bold decisions. And lead my life independently. I want my family to be happy. My mom and dad's is love marriage but they didn't have a best life so even we children never had happy moments. But mentally very much attached to family. Can't live without them. What should I do? Am interested in marriage but alliance have huge demands and now am aged. People think am not good looking so I didn't get any proposal. I don't believe in love eventually I never supported love marriage of my friends and cousins. Ofcourse they are having best life. Now I feel alone.. I want to earn my bread. I want a family. I want to be married and enjoy family life too... Please help...
Ans: Dear Anonymous,
Life and it's highs and lows are what makes us, breaks us and then makes us back again.
It is okay to be confused BUT it is not okay to wander about without making a decision which only leads to believe that life is hard.
What are the things that you have been wandering about?
- Marriage or being in a relationship
- Becoming financially independent
- Putting your degree to good use
- Stepping beyond home and family to create a life

Now, you have begun to think of it and maybe it frustrates you that it's too late. But better now than never...
Push your boundaries and first do something that can give you a WIN. That will boost you to take on challenges in every area of your life that you have possibly been avoiding.
No life or nothing is created or built without challenges.

The key question for you is: Have I been avoiding failure which is the reason for me to wander and not make a few decisions that would have helped me?
Start somewhere and a WIN in an area that you have control over, is what I suggest you start at...

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

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Dr Ashish

Dr Ashish Sehgal  |115 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 23, 2024

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Relationship
Sir as I previously take your view about my situation...sir you tell that in love understanding between partner is important.but sir my partner doesn't want to talk with me.I just never think that he will give up so easily.
Ans: It’s interesting, isn’t it, how relationships often mirror the patterns of communication we create within them? When one partner feels distant or unwilling to talk, it’s less about them giving up and more about a shift in the way they’ve been feeling understood—or misunderstood.

You see, communication isn’t just about words; it’s about emotions, intentions, and the unspoken messages we convey. If your partner isn’t talking, perhaps they’re saying something without words. And that’s where curiosity becomes your ally.

Instead of focusing on the silence, what if you shifted your attention to understanding what that silence represents? Maybe it’s disappointment, frustration, or even fear. But the key is, you can’t solve what you assume—it’s about discovering what’s really there.

And let me ask you this: if you were to step into their shoes for a moment—just imagine being them—what might they feel? What might they need to hear from you, or perhaps sense from your presence, that could bring a spark of connection back into the conversation?

Love is rarely about giving up. It’s about learning to communicate in a way that feels safe and understood. And if you’re willing to stay open, willing to listen to the quiet messages, you may find a new way forward—one step at a time.

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Money
Hi Mr. Ramalingam, Can I check New Asset class (Specialized Investment Fund SIF) for 10 lakhs investment for my kids education(Right now 4months old). Thank you for your response.
Ans: Investing Rs 10 lakhs for your child’s education is a thoughtful decision.

Your child is 4 months old, so you have a long investment horizon.

Currently, SIF is not yet launched or operational.

Equity Mutual Funds: A Reliable Option
Equity mutual funds are proven for long-term goals like education.

They offer inflation-beating growth over a 15-18 year period.

Start investing now to benefit from compounding.

Choose funds with a consistent track record.

Wait and Observe SIF Performance
SIF is a new asset class and lacks a performance track record.

It’s wise to wait for its launch and review its stability.

Assess the fund's returns, risk profile, and management quality.

Investing in an untested asset could increase risks unnecessarily.

Diversify Investments Over Time
Initially, focus on equity mutual funds for growth.

Later, as SIF stabilises and performs well, consider it.

Diversify across asset classes gradually based on market insights.

Final Insights
Begin with equity mutual funds for your child’s education fund.

Monitor SIF's launch and performance over the next few years.

Decide on SIF only after it demonstrates a solid track record.

Keep your investments aligned with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Milind

Milind Vadjikar  |790 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

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Money
I& my wife is 32. What would our ideally retirement corps. I assume 20Cr. Correct me if I'm wrong. My current saving & income are below - 1) Rs 2,40,000 take home per month combined. 2) We both have PPF for the last 7 years contributing 1.5L each year from starting and plans to continue till 60. 3) LIC will give us 2Cr when we hit 60. 4) NPS we contribute 1L per each year form 2022 combined plans continue till 60. 5) Mutual Fund of SIP Rs 10,000 each month for last 1 year combined plans continue till 60. 6) APY we will get 5000 per month at 60. 7) FDs of Rs 36Lakh 8) Gold of Rs 15Lakh bonds 9) Got Inherited Rs 1.6Cr in form of FDs 10) Have Medeclaim of 40Lakhs and have own house. 11) Monthly expenses is around 40,000. 12) Have 1 year old Kid. 13) Have PF of 8 lakhs and will grow till 60. Also taking Gratuity in account.
Ans: Hello;

Your current monthly income need of 2.4 L will grow up to 12.27 L after 28 years (At your retirement age of 60) considering 6% inflation.

Assuming your expenses at retirement will reduce so you may need 75% of this income to cover your expenses at that time therefore you may need a monthly income of 9.2 L.

To generate this income you may need a corpus of 27 Cr(Min.) at the age 60 that may generate post-tax monthly income of around 9.2 L.

Your investments will grow as follows,

1. PPF: 1.5 L per person per year for 35 years will grow into a corpus of around 4.32 Cr. (6.9% return assumed)

2. LIC: policy maturity proceeds will provide 2 Cr at age 60.

3. NPS: 1 L per person per year may grow into a sum of 2.5 Cr at 60.(8% return considered)

4. MF sip of 10 K may grow into a sum of 2.05 Cr at 60. (10% return considered)

5. FD of 36 L will grow into a sum of 2.1 Cr if held till 60. (6.5% return assumed)

6. Gold in form of bonds if reinvested into gold mutual funds and held till 60 may yield a corpus of around 1.1 Cr. (7% return assumed)

7. Inherited funds if held in FD till the age of 60 may yield a corpus of 9.9 Cr.
(6.5% return considered)

8. EPF is expected to grow into a sum of around 1.8 Cr at the age of 60.(7% return considered)

A summation of investment values at 60 indicates a sum of around 25.77 Cr thereby hinting at a gap of around 1.23 Cr.

You may begin another monthly sip of 7 K now which may grow into a sum of around 1.3 Cr by 60 age.(10% return assumed)

If the mediclaim policy is from employer, do buy a personal health care cover after 50-55 for your family for post retirement needs.

I presume you both have adequate term life insurance cover apart from LIC policy.

The financial goal for your kid's education and family expansion, if any, is not factored here. You may need to plan for it suitably.

Also it appears that your allocation to equity is quite low, may be due to limited risk appetite but you have time on your side and although short to medium term(5-7 yr) equity asset class may be impacted due to volatility but over a long-term(10 yr+) they have demonstrated good inflation adjusted returns so may be you may consider to increase allocation through hybrid funds suiting your risk appetite.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Money
Meri family ki income 80 lakhs hai yearly aur 40 lakhs expense hai aur age meri 48 hai capital family ki 4 cr hai to unko kaise manage aur kaha invest kare
Ans: Current Financial Snapshot
Annual Income: Rs 80 lakhs
Annual Expenses: Rs 40 lakhs
Capital Available: Rs 4 crores
Age: 48 years
Your income and existing capital provide a strong foundation. With proper planning, you can secure your financial future and achieve your goals.

Key Financial Goals
Retirement Planning: Build a corpus to sustain your post-retirement lifestyle.
Wealth Growth: Invest capital for inflation-beating returns.
Risk Management: Ensure adequate insurance coverage for family security.
Tax Efficiency: Optimise investments to reduce tax liabilities.
Suggested Investment Allocation
1. Emergency Fund
Maintain 6-12 months of expenses (Rs 20-40 lakhs) in liquid funds or a high-interest savings account.
This ensures liquidity for any unforeseen circumstances.
2. Equity Mutual Funds
Allocate 50-60% of your capital (around Rs 2-2.4 crores) to equity mutual funds.
Use diversified funds like large-cap, flexi-cap, and mid-cap funds for growth.
Avoid index funds due to lack of flexibility and active management.
Invest monthly through systematic investment plans (SIPs) for disciplined investing.
3. Debt Investments
Invest 20-25% of your capital (Rs 80 lakhs-1 crore) in debt mutual funds or fixed-income instruments.
Choose funds with low risk to ensure stability and predictable returns.
These funds act as a safety net during market downturns.
4. Children’s Education or Marriage
Allocate funds for long-term goals like education or marriage.
Invest in balanced advantage funds or equity mutual funds for higher returns.
5. Retirement Planning
At 48, focus on building a retirement corpus.
Allocate 20% of your capital (Rs 80 lakhs) to retirement-specific investments.
Use a mix of equity and debt for growth and safety.
Risk Management
Life Insurance
Ensure you have a term insurance cover of at least Rs 2-3 crore.
This protects your family’s financial future in your absence.
Health Insurance
Take a family floater health insurance plan of Rs 25-30 lakh.
Include critical illness coverage to address rising healthcare costs.
Tax Efficiency
Maximise Section 80C benefits by investing in ELSS mutual funds or PPF.
Use NPS for additional tax deductions under Section 80CCD.
Invest in tax-efficient instruments to reduce liabilities.
Regular Monitoring
Review your investments every six months with a Certified Financial Planner.
Rebalance your portfolio to align with market trends and life changes.
Final Insights
You have a strong financial base with high income and significant capital.

With disciplined investing, risk management, and tax efficiency, you can grow your wealth and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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