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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 01, 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
Rani Question by Rani on May 19, 2023Hindi
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Relationship

Hi I am 42 years old feeling very lonely because of my husband and my in-laws. My husband is not earning money but always trying to show his family as everything that is our house, car daily food groceries n everything he has purchased. Since last 17 years I am working in a well known pharmaceutical industry earning around 1 lakhs per month. But I have not recognised by anyone in my office and home. No one from my family is talking with me including my husband. Since last decade he is drinking a lot and cursing me n my parents. Pls suggest how could I get rid of the things? Shall I continue with such a family or quit? I don’t have a kid

Ans: Dear Rani,
When you have felt that what must come out of a marriage is not what you actually happening, why exactly are you choosing to be stuck within it?
17 years is a long time to adapt and compromise...wouldn't you want to experience a better life?
But of course, do check with yourself as to why have you held onto the marriage for so long...because if you choose to step out of it, the reason why you stayed in it, will have to be let go of...is it social pressure that you might have faced or were you just playing a dutiful wife? CHECK with yourself and if you know that you are ready to let go of the reason, then you know what must be done next...

All the best!

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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

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Relationship
Hello maam i am married since 18 years and since last 5 years my husband is not earning but my in laws are well to do me and my husband are in a relation where we end up quarrelling even if we have converstion of 2 mins i am financially independent and have son of 14 years but he is truely in influence of his father i dont have parents nor a sibling i dont know what to do i sometimes feel if i leave my husband and if i fail in my job than what about my future my age is 38 in all my surroundings i have seen all husband take care and responsiblity of their wife but my husband is totally self centered and the most pathetic thing is he does not even realize this please suggest what can be done
Ans: Dear Richa,
You are financially independent and any decision you take for your life will be based on that, right?
Who knows what the future hold and one can only be hopeful that all that is done in the present times yield a good result in future.
So, whatever decision you want to take, do that keeping what it is right now...also, have faith in your capability to earn and hold your head high BUT do give your marriage a fair chance considering your son may also get rattled by any harsh decision. Do you not feel that it is time to actually confront your husband. What is he planning on doing? Sitting and waiting for something to happen for him?
He has possibly got into a place where it is comfortable not to work and things happen around him for him and everyone else. So, there really is no need for him to lift a finger. Urge your in-laws to talk to him and drive some sense into him. If he still makes no move to get proactive and take on his part of responsibilities within the marriage, think about how long and how far you want to go with this. A bit of coaching/therapy can help, but only if he willing to see that it's needed for him. More than anything, I want you to have faith in yourself and play to your strengths.

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

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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 21, 2024

Asked by Anonymous - May 11, 2024Hindi
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Relationship
I feel so sorry for my situation which I was put myself in , I first got arranged marriage and got divorced after six years as he has an affair with other women and he is rich but does not love me at all or no relationship between so my family thought of leaving this toxic relationship so we got mutual divorce . Then I had a guy who proposed me before my first marriage but could marry due to caste issue but still he is good freind to me but after divorce I thought I can marry him as he is my best freind instead of marrying unknown second time , when I got divorced my age is 32 this freind of mine has family burdens so he made to wait three years I waited by convening my parents and got married one and half year back now his sisters and mother are torturing me in every thing like they want their son to obey them and my hubby is not serious about our marriage he is not earning anything but I work I had private job , he is addicted to drinking and drinks a lot and depends on my money and my in laws always shout on me and fight with me saying you don’t care us visit us , you people living happily , and buying everything in house and you loved him now complaining about him , he not drinker before marriage because of you he got addicted and my sister in law see me as an insect and fights shouts on me in front of all they don’t call me text me or talk to me when I am there , they don’t treat as I am existed if I got to my in laws house as we stay separately , even they don’t respect my mom dad also ..... I don’t know what to do now . My hubby won’t respond if I say anything on them that I am hurt like that and he won’t earn at all and stiilll drinking also
Ans: Navigating through a divorce and then finding yourself in a marriage where you're facing similar struggles must feel incredibly disheartening. It's understandable that you feel overwhelmed by your husband's drinking, financial strain, and the harsh treatment from your in-laws. Feeling invisible and disrespected in your own home is a heavy burden to bear, and your feelings of frustration and sadness are completely valid.

It’s important to prioritize your own well-being and happiness. Seeking support from a therapist or counselor can provide you with emotional guidance and help you explore your options. Having an honest conversation with your husband about your feelings and needs is also crucial, although it may be challenging.

Remember, you deserve to be in a relationship where you feel valued, respected, and loved. Whether that involves working through these challenges with your husband or considering other options, it’s essential to prioritize your own happiness and mental health. You are not alone, and there are people who can support you through this difficult time.

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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 04, 2024

Asked by Anonymous - Jun 03, 2024Hindi
Relationship
Hey, I am married it's been 12 years, I have a 11 years boy. I did my masters before marriage I worked as teacher. I told my husband as well I want to work he said I can work with him in this college where he is also working. When I got married he said my degree is not eligible to work in this college that was geniune they need btech I am Bsc. So I asked I can work in other place and he said I can't. I tried hard but the answer was not all the time. I started with online classes basically working from home and I did it for 10 years. Now why I am so desperate to work? He never pays me anything he never buys anything whenever I ask he says you or your parents did give anything to me so I have nothing to give you. When this alliance came to me we asked them very clearly if they are expecting dowry. They clearly said they don't and that's the reason I married him. I am from a middle class family, and I was brought up like a happy kid. Here in my in laws home my mil drinks alcohol daily and uses very bad words. I adjusted and we shifted to other city for my husband job. Even my husband used to drink and confronted him and he reduced it mostly. Recently due to health issues he completely quit alcohol which was a god's grace. He has some medical condition where he is not actively participating in physical intimacy. He is very close to our son. They both love each other like anything. Seeing this I take every shot he gives me. But I think I am broken I wanted to fix it now I found a job and going my husband is behaving like I murdered someone and not talking and doing drama. Treats me like a maid and say do this house chores properly you can think about job later. I am a very enthusiastic person who wanted to learn now I told him very clearly that if he wants me quit job he needs to pay me. He refused and said if your can bring money from your home I will pay. I said why would I bring money and give him? So he behaves very weird and sadistic like he never wants me leave house, not atleast without telling him. He hide bike keys when he comes to some city so that I can't go anywhere. When I was working online he used to come to lunch I kept everything ready on table for him and continuing my work if I forget to keep water on table he was furious and say I should concentrate on this instead of my job when I forget something to keep he disconnects the modem and hide it so that I can't work. I am fed up and I can't hold this anymore where I am not being respected, not given financial support, no sex, no good talk, only expect to make perfect coffee, lunch ,dinner and take care of home with no dirt atall. I told him I will file divorce now he asks for forgiveness and this happened many time everytime I say I will leave he will behave like a kid even touching my feet. I am doing psychology which is one of my dream he is against that as well but now when I reading I think he is very manipulative psychopath. My boy I very much into him. I am doing my job right now. We have no vacations no outing nothing. He doesn't want to spend a penny on us. I take my boy put he doesn't accompany us. He doesn't like outings he say. What should I do? I can't leave as my boy can't get seperated. I can't live with him coz I have nothing in this relationship just explotation. He will not let me leave coz he knows he cannot live without us. And no one care about him. How to deal with him to make home happy atleast to my boy coz his toxic nature like manipulation and threatening blackmailing is effecting me and my boy I don't want my boy to go through this or learn this from him atleast. He needs to know how to treat a wife the way his father treat is not right I want to grow him into a nice gentleman not like this father. What can I do for this?
Ans: I'm sorry to hear about the difficult situation you're facing. Navigating a relationship like this can be incredibly challenging, especially with a child involved. It's clear you're dedicated to creating a better environment for yourself and your son, which is an important first step.

First, it's essential to acknowledge your strengths and resilience. You've managed to pursue further education, maintain a job, and care for your son despite the significant challenges at home. Recognizing your own capabilities is crucial as you move forward.

Consider seeking professional support from a therapist or counselor. A professional can provide you with emotional support and help you develop strategies to cope with your husband's behavior. They can also assist you in building a safety plan. If you ever feel physically unsafe, having a plan in place to ensure you and your son's safety is critical. This could include knowing where you can go, such as a friend's house or a family member's home, and having important documents and essentials ready to take with you.

Additionally, it might be helpful to speak with a legal professional. Understanding your rights and options regarding your marriage and any potential separation is vital. A lawyer can guide you through the process and help you protect your interests and those of your son.

Maintaining documentation of your husband's abusive or manipulative behavior, financial control, and any incidents can be useful if you decide to take legal action. Keeping a detailed record will provide evidence that can support your case.

It's important to create a support network. Reach out to trusted friends or family members who can offer you emotional support and practical assistance. Sharing your situation with someone you trust can provide relief and help you feel less isolated.

Given your husband's behavior, setting boundaries is essential. Be firm about your decision to work and pursue your interests. Consistently reinforce your boundaries, and don't be afraid to stand up for yourself. This might provoke further resistance from your husband initially, but maintaining these boundaries is crucial for your well-being.

Communicate openly with your son about the situation in an age-appropriate manner. Reassure him that the issues between you and your husband are not his fault. Encourage him to express his feelings and let him know it's okay to feel upset or confused.

Your focus on raising your son to treat others with respect and kindness is commendable. Modeling respectful and assertive behavior yourself will be a powerful lesson for him. Ensure he understands the importance of treating others with dignity and respect, regardless of how others may act.

Finally, prioritize your own well-being. Engage in activities that bring you joy and relaxation. Taking care of your mental and physical health is essential, as it will provide you with the strength and clarity needed to navigate this challenging situation.

It's a difficult journey, but by seeking support, setting boundaries, and focusing on your well-being, you can work towards creating a healthier environment for yourself and your son. Remember that you deserve respect and happiness, and taking steps towards achieving that is not only beneficial for you but also sets a positive example for your son.

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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 09, 2025Hindi
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Relationship
My age is 41 years. I have two kids. Nurturing n looking after them n whole home single handedly. I am a visiting faculty in a institute . Earns very nominal earning. My husband hits me, taunts me and use very arrogant words to me like tumhe belt se maarunga n similar many worst words. His family has been always unsupportive to me . Now after 16 years of marriage, he still wants me to please his mother n other family. Which I completely avoid as they have never supported me and always boycotted me. His real brother is in politics and all family members including his cousins do follow him and boycotted me n husband. Now for everything my husband blames me and says if you gave pleased them, all might have good. But inspite of pleasing them a lot , they are like treating me like I am a stranger. I handle n manage everything still by the end of the day.... everything is in vain. Husband says...What you did for home? I will never ever give my money to you and so on. I am literally in trouble thoughts, what to do ? I even many times thought to end my life but my kids are the reason I continuously bears everything. Please suggest what shall I do.
Ans: it's important to acknowledge that no one deserves to be treated with such disrespect and abuse. Your feelings of isolation and frustration are valid. It can feel overwhelming when the people who should support you instead make you feel like an outsider.

In situations like this, it’s crucial to find support outside the immediate family. Reach out to trusted friends, family members, or support groups who can offer you emotional strength and practical advice. Consider speaking with a counselor or therapist who can help you navigate these complex emotions and provide strategies for dealing with the abuse and stress.

You’ve shown immense resilience, especially for your children. They need you to be strong, and seeking help is a vital step in preserving your mental and emotional well-being. Remember, prioritizing your health is not selfish; it’s necessary for you and your children’s future.

Also, explore any legal avenues or resources available for individuals in abusive relationships. Local support organizations, legal aid, or women’s shelters can provide advice and assistance if you decide that leaving the relationship is the best option for your safety and well-being.

You have already shown great courage by managing so much on your own. Continue to seek out support and know that you are not alone in this journey. There are people and resources willing to help you find a path to a healthier and more secure life.

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Latest Questions
Janak

Janak Patel  |21 Answers  |Ask -

MF, PF Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 10, 2025Hindi
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Money
Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.

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Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Money
Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

Overlap Between Funds
Your portfolio has multiple funds from the same category.

Too many similar funds do not improve returns but make tracking difficult.

Checking fund overlap can help avoid duplication.

Actively Managed vs Index Funds
You have index funds in your portfolio.

Index funds do not offer downside protection in market corrections.

Actively managed funds can outperform the index in volatile markets.

Switching from index funds to actively managed funds can improve growth.

Direct vs Regular Funds
You have invested in direct funds.

Direct funds may seem cheaper, but they lack expert guidance.

Investing through an MFD with CFP credentials ensures better selection and tracking.

Regular funds provide better decision-making support over time.

Sector-Specific and Thematic Funds
You hold a technology fund.

Sector funds are high-risk, as they depend on one industry’s performance.

If the sector underperforms, returns may be negative for years.

A diversified approach reduces risk compared to sector-based investing.

Smallcap and Midcap Allocation
You have smallcap and midcap funds.

These funds can be highly volatile in the short term.

Holding them for 5+ years is necessary to reduce risk.

Ensure you rebalance if the portfolio gets too aggressive.

Multi-Asset and Dividend Yield Funds
Multi-asset funds provide stability during market corrections.

Dividend yield funds are suitable for conservative investors.

These funds help in balancing the portfolio between risk and return.

Final Insights
Reduce overlapping funds and focus on fewer, well-performing funds.

Exit index funds and shift to actively managed funds for better growth.

Consider switching from direct funds to regular funds for expert tracking.

Keep sector funds below 10% of your portfolio to avoid concentration risk.

Continue SIPs in high-quality diversified funds for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

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Money
Can I run my family with 15 k exp and 20k retirement income
Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

Cost of Living and Inflation Impact
Expenses will increase over time due to inflation.

If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

If income remains Rs 20,000, the gap between income and expenses will widen.

Healthcare and Medical Costs
Medical expenses increase with age.

Even with health insurance, out-of-pocket medical costs can rise.

If a medical emergency arises, your savings could be depleted quickly.

Emergency Fund Requirement
A sudden family emergency can strain finances.

Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

If you do not have an emergency fund, your retirement income may not be sufficient.

Unplanned Expenses and Lifestyle Changes
New financial needs may arise, such as helping family members or home repairs.

You may want to travel, pursue hobbies, or engage in social activities.

A fixed retirement income can make such expenses challenging.

Investment Strategy for Long-Term Security
To beat inflation, invest a portion of savings in growth-oriented assets.

A mix of equity and debt funds will help generate better returns.

A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

Alternative Income Sources
Consider part-time work, freelancing, or consulting if possible.

Rental income or dividends from investments can support retirement cash flow.

Final Insights
Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

A combination of investments, emergency funds, and alternate income sources will provide financial security.

Regularly review and adjust your financial plan to sustain your retirement lifestyle.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Money
Hello sir, I have about 28 lakhs invested in different MF. Now i want a SWP of 35000 per month from that total fund. Looking at the current market situation I was either thinking if dividing the fund between debt 30% and equity 70%. But instead of investing a lumpsum amounts will it make more sense to park all my funds in a dynamic debt fund and then every month do SIP of maybe one lakh each to equity fund or balanced fund. Also i would like to know what difference will it make in my investment returns between sip and lumpsum except ofcourse averageing the market volatility in case of SIP and getting more UNITS if done lumpsum.
Ans: You have Rs 28 lakh invested in mutual funds and want to withdraw Rs 35,000 per month through a Systematic Withdrawal Plan (SWP). You are considering whether to invest the corpus as a lump sum in a 70% equity – 30% debt allocation or to park the full amount in a debt fund and do an SIP of Rs 1 lakh per month into equity.

Your goal should be to generate stable withdrawals while preserving your capital and ensuring growth. Below is a structured approach to managing your funds wisely.

Understanding SWP and Its Impact on Your Corpus
SWP is a cash flow strategy, allowing regular withdrawals while the remaining corpus continues to grow.

The key challenge is to balance withdrawals and growth so that the corpus does not deplete too soon.

Investing in a mix of debt and equity will ensure stability while benefiting from market growth.

Option 1: Investing 70% in Equity and 30% in Debt
This allocation is suitable for long-term growth. Equity provides growth, while debt ensures stability.

A balanced portfolio helps manage volatility and ensures a steady SWP.

The downside is that a lump sum investment in equity exposes you to market fluctuations.

If the market falls after investing, the SWP may lead to selling equity at a lower value, reducing corpus longevity.

Option 2: Parking in a Debt Fund and Doing Monthly SIPs
This reduces market timing risk by investing gradually.

Debt funds provide low but steady returns, protecting the corpus while equity exposure increases.

SIPs spread the risk over time, ensuring better price averaging.

The downside is that debt funds provide lower returns, which may impact the final corpus.

SIP vs Lump Sum: Key Differences
SIP helps in market averaging, reducing the impact of volatility.

Lump sum investment can generate higher returns if the market performs well.

SIP is better for those worried about market crashes, while lump sum works well for long-term investors willing to take higher risks.

Best Strategy for You
A hybrid approach will work best:

Step 1: Park Rs 28 lakh in a low-duration or dynamic debt fund.

Step 2: Start an SIP of Rs 1 lakh per month into equity for 24–28 months.

Step 3: Withdraw Rs 35,000 per month from the debt fund until equity allocation builds up.

Step 4: After 2–3 years, rebalance to maintain a 60% equity – 40% debt allocation for stability.

Tax Implications of SWP
Withdrawals from equity funds held for over 1 year attract 12.5% tax on LTCG above Rs 1.25 lakh.

Withdrawals before 1 year attract 20% STCG tax.

Withdrawals from debt funds are taxed as per your income tax slab.

Final Insights
A mix of debt and equity will ensure growth and stability in your SWP plan.

Parking the corpus in a debt fund first and then gradually shifting to equity is a safer approach.

Rebalancing every 2–3 years will help manage risk and sustain withdrawals.

Keep track of taxation to optimise post-tax returns.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 12, 2025Hindi
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Money
Hello Sir, I am 46. Unemployed due to health reasons. I have 28 lakhs i want to invest in SWP . I need 35000 monthly. How long do I have before my fund runs out? How should I invest to make the most of it? I want my funds to appreciate as well to be atleast propionate to my need of 35000. Given- if i invest in lumpsum than I get higher number of units and if i take the SIP route it can negate the market volatility. Looking at the current market scanerio i believe it may take couple of years to see proper returns. I was also thinking of pooling the entire corpus in Aggressive debt funds and then do a SIP to an actively managed equity fund. Under these circumstances please provide fund names also. Thanks in advance.
Ans: You are 46 and unemployed due to health reasons. You need Rs 35,000 per month from your investments. Your goal is to make your funds last longer while allowing growth.

Let us analyse your options and create a plan.

Assessing Your Requirement
You need Rs 4.2 lakh per year (Rs 35,000 x 12 months).

Your corpus is Rs 28 lakh.

If you withdraw Rs 4.2 lakh annually without growth, your funds will last less than 7 years.

You need growth to sustain withdrawals for a longer period.

Challenges with a High SWP Rate
A SWP of 15% per year (Rs 4.2 lakh from Rs 28 lakh) is too high.

Safe withdrawal rates are usually 4-6% per year.

A high withdrawal rate will deplete your corpus fast.

Investment Strategy for SWP
You need a mix of equity and debt to balance growth and stability.

Step 1: Allocate Corpus Wisely
Equity (50%): Invest for growth.
Debt (50%): Keep funds for the next 5-6 years of withdrawals.
This approach helps maintain stability while allowing long-term appreciation.

Step 2: SWP from Debt Funds
Start your SWP from debt funds to avoid withdrawing from volatile equity investments.

Debt funds provide stability and minimise short-term risk.

This ensures your equity investments have time to grow.

Step 3: Systematic Transfer to Equity
Keep your equity allocation in a flexi-cap or multi-cap fund for diversification.

Invest in a systematic transfer plan (STP) from a debt fund to an equity fund.

This reduces market timing risk and balances volatility.

Expected Corpus Longevity
If your portfolio grows at 8-10% annually, your funds may last 10-12 years.

If the market performs well, your funds may last longer.

A lower withdrawal rate will further extend sustainability.

Alternative Options to Sustain Your Corpus
Reduce withdrawals: If possible, lower monthly expenses to Rs 25,000-30,000.

Part-time income: If health permits, explore work-from-home or passive income options.

Medical emergency fund: Keep at least Rs 2 lakh aside for medical needs.

Review investments: Rebalance every year to maintain growth and stability.

Final Insights
Your current withdrawal rate is high.

A balanced equity-debt approach can extend the longevity of your corpus.

Use SWP from debt funds and STP to equity for better returns.

Monitor the portfolio regularly to ensure sustainability.

If possible, reduce withdrawals slightly to make the corpus last longer.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

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