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Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 22, 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
Rajesh Question by Rajesh on Feb 09, 2023Hindi
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Relationship

Hi, I am 45 years old man married with two kids. I got into relationship with a married colleague 5 years back. She got divorced. I am not sure if our relationship was the reason for the divorce. I wanted to divorce my wife and get married to my colleague. But then during pandemic I and my colleague were physically separated. Not sure if the separation helped her realise our relationship was not going anywhere or it was not right. She called and told me that I scarred her life and didn’t want to keep in touch with me. Since then I am not in touch with her. I made attempts to but she blocked me totally. She’s in the same town but I never made an attempt to forcefully meet her. She didn’t marry again so far and don’t what’s happening in her life. But I feel guilty did I spoil her life? I really love her but if I really did why did I not know where this all will end up. I don’t think I was the reason for her break up because she developed friendship with me when her marriage was not going well. I don’t know if it was error of judgment, feel so guilty about the whole situation. Since I have been in relationship with her, never had a sexual relationship with my wife and even I don’t. Don’t know if it’s my failed or failing marriage is whole reason for this . I feel terribly guilty for my ex colleague’s situation. It’s eating me up. I question my own character, am I a sexual predator? I lose my sleep about this and not able come to terms. Need your advice, do I need a see a therapist and what kind?

Ans: Dear Rajesh,
You have the choice of playing the 'victim' or move on with life accepting things for the way they are!
Why you stepped out of marriage or why your married colleague entered into a relationship with you or why she walked out of it or why she blames you.
These WHYs will only keep making you go in circles. You need answers to these only if the two of you are still going to be involved. When that chapter of your life is over, why mull over it? This is playing the 'victim', feeling sorry for yourself and feeling guilty and trying to go back in time and thinking of what you could have done to have a different outcome. As long as these WHYs help you move on, it's fine, but if it's only going to mess with your mind and send you on a wild goose chase, kindly STOP! Sexual predator as you call yourself is just a label you choose to carry after the accusation made by your colleague after she called the relationship off. So, she takes the call and then blames you and then you decide to carry the guilt for what two consenting adults decided when they were in a relationship. Quit this mindset and seriously MOVE ON!

Can you instead focus on where your life is now and what you can do to make it better?
Indulge in a new hobby and make a few new friends and be with your family that loves you. Spend time with your children who will fill your life with a lot of happiness.
Soon, when you are ready, things might open up for a new relationship then.
So release the OLD and welcome the NEW.

Best wishes!

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Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Relationship
Dear Anu, I don’t know how to start. My Age is 40. This is my second marriage. My first marriage was arranged and it lasted 6 months.  As I was in love we got divorced. We have one son who is 10 years old. Now the issue is my second wife and I have both betrayed each other. I caught her first having a deep love affair with her yoga friend. That fellow is married and we know his wife and daughter. She has started him when she was training for yoga and later they both started classes together. Meanwhile, I am in a relationship with a colleague. Now she is in a different organization. Although she has stopped it, I continue to chat with her. We are both struggling to come to a decision since last 9 months but nothing is working out. We both confessed; she is guilty, I am not. We've had a very rough time. Now she is at her mother’s home. My problem is that I can neither let her go nor forget her. She wants her freedom as earlier but I am not ready. So I am sad while I continue to torture her by asking past questions. I am worried more about my son. I am stuck so I end up bullying her. Please advice. I want to move on. I don’t want to be in relationship but i am afraid of taking decision. Sometime I feel miserable.
Ans: Dear PC, I don’t want this and I don’t want that is a childlike way of dealing with things; you will be stuck in that mud forever.

You have to want to either move on with your marriage or not.

If you choose to stay, you have to train your mind and as a couple go for a Couples Counselling to rebuild the marriage.

It will require forgiving; hard as it is, it will help both of you relook as to why you fell in love in the first place.

Sometimes, it is essential to hit the refresh button and look at things with a new perspective. And if you have decided mutually, to separate, do make sure there is no mud slinging or finger pointing.

A marriage is between two adults who are invested equally in it and there is no one person to blame.

Be graceful about this and make it a graceful end where you support one another.

Whatever you decide, always make sure your son is well looked after especially his mind and what he needs to know and understand.

Seek the support of a professional who deals with children growing up in families where the parents are separating or are quarrelling.

Either case, please DO NOT let the child suffer as this has long-term consequences on his mind.

I hope you make a decision sooner as every day not only makes it harder for both of you but for your child as well. Take care and best wishes.

..Read more

Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hi. I am Sumeet I am happily married. And love my wife and our two kids.I had a female friend in our engineering college I had crush on her and I have said her this. She is happily married and I am very happy for her. I was in touch with her but now some how our companies in which we work have joint ventures and we both are working on same project. Initially she was nice to me but one day, we had phot session and I decide to click one with her and I simply par her shoulder back and kept for photo click but she got too angry and I apologised to her for whole day. But then she did not talk properly henceforth. I felt I am molester and I visit psychiatrist they asked me to forget that incident and move. Now she does not talk with me nicely.i don't know what should I do.
Ans: It's understandable that this situation with your former college friend is causing you stress and confusion. However, it's important to acknowledge that touching someone without their consent, even if unintentional, is never acceptable. Even though you meant no harm, it's crucial to respect your friend's boundaries and understand her reaction.

Here are some suggestions for navigating this situation:

1. Respect your friend's boundaries: While your intentions might have been innocent, it's clear your friend felt uncomfortable with the physical contact. Respecting her boundaries and apologizing sincerely are crucial steps. It might be helpful to have a brief, direct conversation where you reiterate your apology and emphasize that you understand and respect her discomfort.

2. Maintain professionalism: Given that you're working on the same project, maintain a professional and respectful distance. Avoid initiating personal conversations or any physical contact. Focus on work-related communication and interactions.

3. Reflect on your actions: Consider seeking professional guidance from a therapist to explore your thought patterns and behaviors concerning personal boundaries. This can help you develop healthier ways to interact with others and avoid similar situations in the future.

4. Forgive yourself: Remember that while it's important to acknowledge and learn from your actions, dwelling on guilt won't be productive. Forgive yourself for the unintentional mistake and focus on moving forward with respect and understanding.

5. Focus on your marriage: Remember that you have a loving wife and family. Reinvest your energy into strengthening your relationships with them and prioritize their well-being.

..Read more

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Kanchan

Kanchan Rai  |187 Answers  |Ask -

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

Asked by Anonymous - May 10, 2024Hindi
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Hello Sir, it has been 4 years since I got married. I have two kids. My wife loves me a lot. One day, in a casual conversation, she told me about her past life before marriage. I too had physical relations with a friend. Since then, I have been in depression. What should I do? I am unable to understand. Should I separate or leave her. Although now she keeps crying that that was the past. Now I love you very much, but I am unable to understand what to do. Please guide us. I feel that my life has been ruined. I am unable to understand ????????
Ans: Discovering unexpected aspects of your partner's past can be deeply unsettling, especially when it involves intimate relationships. It's understandable that you're feeling confused and overwhelmed by this revelation. Firstly, it's important to acknowledge your feelings and give yourself space to process them. Communication is key in situations like these; have an open and honest conversation with your wife about how you're feeling and the impact her revelation has had on you. Express your concerns and fears, and listen to her perspective as well. Remember, people's past experiences do not define who they are now. If you still love your wife and want to work through this together, consider seeking couples therapy to help navigate through these complex emotions and rebuild trust in your relationship. However, if you feel that this revelation has irreparably damaged your relationship and you cannot move forward, it may be worth exploring the option of separation or divorce. Ultimately, the decision is yours, but it's essential to prioritize your mental and emotional well-being throughout this process.

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Kanchan

Kanchan Rai  |187 Answers  |Ask -

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

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Relationship
Hi I am 52 yrs man having kids and wife, from last so many years my wife start arguing on small - small discussion and it became very high some times. due to this whole house became tense. I am a very emotional Person some times her discussion and arguments hearts me lot resulting became very upset. she has brain problem in past. please advise how can I handle this situation.
Ans: Dear Savendra

Navigating through frequent arguments and tension at home can be incredibly challenging, especially when they leave you feeling emotionally drained and upset. It's understandable that you're seeking guidance on how to handle this situation. Given your wife's past brain problem, it's essential to approach these conflicts with patience, empathy, and understanding. Firstly, try to remain as calm as possible during arguments, even when emotions run high. Active listening and validating her feelings can help create a more constructive dialogue. Setting boundaries around communication and behavior is crucial, ensuring that discussions remain respectful and productive. Seeking professional help, such as couples therapy, can provide valuable support in addressing underlying issues and improving communication skills. Additionally, taking care of yourself through self-care activities and seeking support from friends and family members can help you navigate through these challenging times. Remember, it's okay to prioritize your well-being and seek assistance when needed to foster a healthier and more harmonious household for yourself and your family.

...Read more

Kanchan

Kanchan Rai  |187 Answers  |Ask -

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

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Relationship
Maam - I am recently facing trouble in my 22 year old marriage. I am unable to understand my wife's behaviour which according to her is very normal. I am unable to judge when she requires me. I have not been a caring husband and can be attributed to this behaviour of mine. She had got very along very well with our son all these while and now that he is in college and travels his behaviour also irritates her. She says that he has also changed a lot and have no respect for females, he has lots of secret which he is avoiding tell us. She is very much worried about it and I feel that has spilled over into our relation as well. We compromise for a few days which is mostly from my side but again on the 4th day it is back to the same.. Can you suggest some actions from my side which can help improve my relation with my wife and understand her better..
Ans: Sudesh,

It sounds like you're in a challenging situation, but it's commendable that you're seeking ways to improve your relationship with your wife. Schedule regular times to talk openly and honestly with your wife about your feelings, concerns, and desires for the relationship. Encourage her to express herself as well. Active listening is crucial here.Try to see things from your wife's perspective and understand her concerns about your son's behavior. Validate her feelings and reassure her that you're there to support her.
Make an effort to spend quality time together as a couple. Plan activities that you both enjoy and that allow you to connect on a deeper level. This could be anything from going for walks, having dinner dates, or pursuing mutual hobbies.
Work together with your wife to address any concerns about your son's behavior. Approach him with empathy and understanding, and try to create an open and supportive environment where he feels comfortable sharing his thoughts and concerns. Consider couples therapy or counseling to work through any underlying issues in your relationship. A therapist can provide guidance and support in improving communication, understanding each other's needs, and resolving conflicts.Take time to reflect on your own behavior and actions within the relationship. Consider how you can be a more caring and attentive partner, and be willing to make changes where necessary.Improving a relationship takes time and effort from both parties. Be patient with yourself and your wife as you navigate through challenges and work towards a healthier, more fulfilling relationship.

Remember that it's okay to seek outside help and support when needed, and that small steps towards positive change can make a big difference in the long run.

...Read more

Kanchan

Kanchan Rai  |187 Answers  |Ask -

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

Asked by Anonymous - May 13, 2024Hindi
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Relationship
Is it okay to live with a person who abuses me daily verbally but gives care also. Eventhough after i told repeatedly not to use bad words he is using it. Doing fight at night and morning coming for patch up as if nothing happend. What should i do now pls tell me.
Ans: No one deserves to be verbally abused, no matter what other positive things might be present in the relationship. It's crucial to prioritize your safety and well-being above all else.
Reach out to friends, family members, or a trusted individual who can offer support and guidance. It's essential to have someone to confide in during challenging times.Speaking to a therapist or counselor can provide you with a safe space to explore your feelings and options. They can offer valuable insight and help you develop coping strategiesClearly communicate to the person that their behavior is unacceptable and that you will not tolerate verbal abuse. Set boundaries and stick to them. If they continue to disrespect your boundaries, it may be necessary to take further action.Evaluate whether it's feasible to remove yourself from the situation, whether temporarily or permanently. This could involve seeking alternative living arrangements, such as staying with a friend or family member, or exploring other housing options.If you're concerned about your safety, develop a safety plan in case the situation escalates. This could include having a bag packed with essentials, knowing where to go in an emergency, and having a support network in place. Depending on your circumstances, you may want to consult with a lawyer to understand your rights and options, especially if you're considering leaving the living situation or seeking legal protection.

Remember, you deserve to be treated with respect and kindness in all your relationships. It's okay to prioritize your well-being and take steps to remove yourself from a toxic environment. If you're ever in immediate danger, don't hesitate to reach out to emergency services for help.

...Read more

Anu

Anu Krishna  |847 Answers  |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/

...Read more

Moneywize

Moneywize   |107 Answers  |Ask -

Financial Planner - Answered on May 13, 2024

Asked by Anonymous - May 12, 2024Hindi
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Money
I have been NRI for more than 20 years. If I return to India for how long can i keep my NRI status and will any money earned by me after my return to India from a foreign sources be taxable? If yes, how much tax will I have to pay?
Ans: When you return to India after being an NRI (Non-Resident Indian) for more than 20 years, your tax residency status will change. You will be considered a Resident but Not Ordinarily Resident (RNOR) for the first two financial years (April to March) after your return.

As an RNOR, your foreign income is generally not taxable in India unless it's derived from a business controlled or set up in India. So, any income earned from foreign sources during the RNOR period would generally not be taxable in India.

However, any income earned in India during the RNOR period will be taxable in India, along with any income from a business controlled or set up in India, regardless of whether it's earned domestically or abroad.

After the RNOR period, if you continue to stay in India, you will become a Resident and Ordinarily Resident (ROR) for tax purposes. In this case, your global income, including income earned abroad, will be taxable in India.

Tax rates in India vary depending on the income slab you fall into, and there are also various deductions and exemptions available. It's recommended to consult with a tax advisor in India who can provide personalized advice based on your specific financial situation and the prevailing tax laws at the time of your return.

...Read more

Ramalingam

Ramalingam Kalirajan  |2101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

Asked by Anonymous - May 02, 2024Hindi
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Money
Dear sir, I have following sip Hdfc defence 5000 Hdfc multicap 10000 Hdfc small cap 10000nippon small cap 15000 Sbi large and mid cap 5000 Hdfc balanced advantage fund lump sum 25000 Hdfc focused 30 fund lump sum 25000 Hdfc manufacturing fund lump sum 50000 Sbi conta fund lumpsum 1200000 Sbi psu fund lump sum 500000 Sbi energy opportunity fund lump sum 200000 Please advice
Ans: It's clear you've taken a proactive approach to investing, and you've built a diverse portfolio across various mutual funds. Let's assess your current holdings and provide some guidance.

Your SIPs in HDFC Defence, HDFC Multicap, HDFC Small Cap, Nippon Small Cap, and SBI Large and Mid Cap demonstrate a blend of large, mid, and small-cap exposure, which is commendable for diversification.

However, having multiple funds within the same fund house, such as HDFC, may lead to overlapping holdings and concentration risk. Consider diversifying across different fund houses to spread risk more effectively.

Your lump sum investments in HDFC Balanced Advantage, HDFC Focused 30, HDFC Manufacturing, SBI Contra, SBI PSU, and SBI Energy Opportunity Funds provide additional diversification across different investment themes and strategies.

While lump sum investments can be beneficial, especially during market downturns, it's essential to review your investment rationale for each fund and ensure they align with your long-term financial goals and risk tolerance.

Given the size of your lump sum investments, consider consulting with a Certified Financial Planner to assess if your portfolio is appropriately diversified and if any adjustments are needed to optimize returns while managing risk.

Additionally, periodically review your portfolio's performance and make necessary adjustments to stay aligned with your financial objectives and market conditions.

In conclusion, while your current investments showcase a diverse portfolio, consider diversifying across fund houses and regularly reviewing your holdings to ensure they remain aligned with your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

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Money
What is reasonable and safe mode of investments for targeted minimum 12% return per annum
Ans: Achieving a minimum return of 12% per annum requires a strategic and diversified approach to investing. Here are some reasonable and safe investment options to consider:

Equity Mutual Funds: Investing in well-managed equity mutual funds with a track record of consistent performance can potentially offer returns higher than 12% over the long term. Opt for funds with a diversified portfolio across sectors and market capitalizations to mitigate risk.

Index Funds: While you mentioned not recommending index funds, they can still be considered for their lower fees and broad market exposure. However, actively managed funds may offer the potential for higher returns, albeit with slightly higher fees.

Diversified Portfolio: Building a diversified portfolio that includes a mix of equities, debt instruments, and alternative investments can help spread risk and optimize returns. Consider allocating a portion of your portfolio to asset classes like bonds, gold, and real estate investment trusts (REITs) to enhance diversification.

Systematic Investment Plans (SIPs): Investing regularly through SIPs in mutual funds allows you to benefit from rupee cost averaging and can potentially generate attractive returns over the long term, even during market fluctuations.

Public Provident Fund (PPF): PPF offers a tax-efficient investment option with relatively stable returns and a long-term investment horizon. While the returns may vary, historically, PPF has offered returns higher than 12% in some periods.

National Pension System (NPS): NPS is a retirement-focused investment vehicle that offers the potential for attractive returns through exposure to equities, corporate bonds, and government securities. Opting for the Active Choice option allows you to customize your asset allocation based on your risk tolerance and return expectations.

Real Estate Investment Trusts (REITs): Investing in REITs provides exposure to the real estate sector without the hassle of property management. REITs typically offer attractive dividend yields and the potential for capital appreciation over time.

Direct Equity: While direct equity investing carries higher risk, carefully selecting fundamentally strong companies with growth potential can potentially yield returns higher than 12% over the long term. Conduct thorough research or seek guidance from a Certified Financial Planner before investing in individual stocks.

Remember, achieving a minimum return of 12% per annum requires patience, discipline, and a long-term investment horizon. It's essential to align your investment strategy with your risk tolerance, financial goals, and time horizon.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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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