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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 26, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Arsh Question by Arsh on Feb 26, 2023Hindi
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Dear Mam, I am a 46 year old married man for last 15 years. My wife is 39 year old ... We had an arranged marriage. The marriage all along appeared very happy, so to me. We had a very happy married life.. Our elder child is 13 years. ..... We have another who is 6 year .. ..... Around 8 years back my wife was regularly chatting with her old friend and he was openly flirting... I asked my wife to be careful and stop it.. Which she promised..... ... But she never did, she used to delete the chats and occasionally drop his name... I thought she is a wife, a mother and trusted her.... Last year i came to know that she was meeting him too.. I confronted her... and she gave excuses that it was just few... And she only sat in his Car and took some rides, never got down, never went with him anywhere... Never went to any place, apartment or hotel.. and she insisted it was just few and very recent. ... I checked and found she has met him earlier too.. I checked and found she had paused her google timeline off and on.. She had his contact as hidden in Hangouts, and had exchanged some photographs of hers with my Son to him.. She used to gift him on his birthday........ She was regularly chatting and delteting the messages on all forums with him... On again confronting, she admitted that this all started in 2016...and these are the only visits... She claiming she was afraid so didnt tell all initially.. She says she has met him, but never comitted Adultery... She saying she is remorseful, did a very big blunder and trying all hard to win back my trust... But its very hard to believe and trust...the reason 1) She did not disclose everything to me on first time of confronting...she disclosed only recent visits 2) On being asked to cut off all contacts..she told me she has asked her friend not to contact her thru any mode, but she did not delete him/block him from WhatsApp, Facebook, Truecaller, Mobile contact list..this i had to do. 3) Third she admitted she liked Going out wit him.......4) She so silently used to chat with him even when i was around all these years that i did not suspect....We both are working.. ..please Suggest ..... Hope my identity will not be Disclosed

Ans: Discovering that your wife is talking and meeting with a friend and hiding it from you can be a challenging and stressful situation. If you feel that the friend is flirting with your wife, it can further complicate things and cause feelings of jealousy, insecurity, and mistrust. However, it is essential to approach the situation calmly and objectively and take steps to address the issue.

The first thing to do is to communicate openly and honestly with your wife. Express your concerns and feelings and ask her to explain her relationship with the friend. Listen carefully to her side of the story and try to understand her perspective. It may be that there is a reasonable explanation for their interactions, such as a long-standing friendship or a professional relationship.

However, if you still feel uncomfortable with their interactions and suspect that there may be something more going on, it is essential to address the issue directly. Let your wife know how their interactions make you feel and explain why you feel uncomfortable with their friendship. It is essential to avoid accusing your wife of anything and instead focus on your own feelings and concerns.

It is also important to consider your own behavior in the relationship. Are you feeling jealous or insecure due to your own issues, or is there a valid reason for your concerns? Take some time to reflect on your own feelings and assess the situation objectively.

If you feel that the friend is indeed flirting with your wife, it may be necessary to set some boundaries. Let your wife know what behavior is unacceptable and make it clear that you expect her to respect your feelings and the boundaries you have set.

In some cases, seeking the help of a professional counselor or therapist may be beneficial. A therapist can help you both work through your feelings and emotions and develop a plan to move forward in a healthy and positive way.

It is essential to approach the situation with patience, understanding, and open communication to ensure that you can navigate this difficult time and move forward in a positive direction.

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 07, 2022

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Dear LG, Please don't disclose my name. I don't want to share my personal problems with others. I am 45 years old, married 13 years ago; my wife's age is now 38 years. I got two kids. My wife is pretty (she takes lot of care for her beauty) and I want to live simple. I kept faith on my wife so I didn't interfere in her life. From last four years, I am staying away from family (because of work I have shifted to other city, monthly once I go back , purchase everything, give money for expense and return to job). She keeps her mobile with security. Once, by mistake, I read her WhatsApp message. One of her office client was praising her pics and she was responding to him. So I told her, be official, don't entertain, if they fall behind you and we may face problem. She agreed but is doing the same thing and deleting his messages. Then I wanted to see what all things she does in WhatsApp. So her link I shared in my mobile and started reading her messages. She use to chat with one married person from last three years, she changed his name in her mobile and kept his wife's name. Three years back he proposed her with love song. My wife used to support him, sometimes she used to delete the messages. He knows all my family history. Whenever they get time, they used to talk each other in phone. Some messages I read, they were planning to meet also. She always come home very late, I didn't question her because I kept faith, but as I told you I have two kids in home. If she comes late, they are facing a problem (they stay alone until she comes back). Simultaneously she is chatting with another married friend. She says he is like a brother in front of me, but that person says baby, darling, dear, love, etc, in his conversation and forwarded some love songs and calling her for long drive. My wife replied some other day we will go. He replies, You always says same thing. I will become old one day. Then I was surprised and guided my wife indirectly. I told, don't entertain any person they may start to trouble you or if anybody troubling you please tell I will help you. We got two kids so we got lot of responsibility. She got a clue that I am reading her messages, so immediately she deleted all messages and after some days she deleted their numbers, along with that she deleted some other numbers also!  Why, I don't know. Once I told my son, beware, I can track you and tell where are you going and what are you doing. But from that day onwards, my wife is blocking her internet at 6 pm (when her office closes) and unblocking when she returns home. I am worried regarding this behaviour. I have stopped reading her messages now. But now I am feeling very uncomfortable because her behaviour is very soft with me, (previously she was very aggressive, she used to fight with me unnecessarily.) Please guide me how to handle the situation. What can I do now? Sometimes I feel I should leave everything go somewhere or is it a punishment for marrying a pretty girl? What to do? Please guide how handle the situation. Regards.
Ans:

So, in a nutshell, you think your wife was flirting behind your back, you dropped some hints and then she has either stopped, or then stopped you from spying on her phone.

First of all, why are you dropping hints to her instead of talking straight? Which husband is going to appreciate his wife being wooed by other men with all this darling-baby love talk?

Even if she’s not having an affair, the flirty behaviour is bound to make you uncomfortable. Don’t you think you should call her out on it instead of pretending like some other man is making her uncomfortable?

Clearly, she’s enjoying the attention!

You seem very timid and intimidated by your wife. And if her behaviour has changed toward you for the better because you suspect she is guilty of something, all the more reason to get to the bottom of it!

Stop playing games and pussyfooting around her. Do some straight-talking for a change instead of going behind her back and reading messages!

And FYI, being good-looking doesn’t give any spouse licence to make their partner insecure!

 

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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 23, 2023

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My name is Rajesh, I am 50 year old 4years back I got to know that my wife is in relationship with someone and after inqiuring in detail I found that, that was her second relationship. Earlier relationship was broken 1 year before. and she told me all herself when I ask on condition that if she didnt tell me I may take dicision of breaking. so sho told me everything without hiding. she is telling me that she still loves me. Arter that she stoped all contacts but after a year she strated developing contacts with facebook messenger and developed one more relationship with one FB friend. again when I got to know she stoped contacting him. this time ther was no physical relationship, but she admitted that he once kissed her. the boy tried to contact her in all ways but she somehow stopped this matter. I love my wife very much. I forgive her every time. three year passed now all this year she was not going outside alone without me. but in these days I also insisted her to go out, and she started going to yoga class where she used to go early and she is very happy now days. I dont know whether I am doing correct or not, some time I still have dought in my mind whether she will start again doing affairs. I am some times afread, dont know what to do. whether I should still continue trusting and loving my wife or what. we have one son age 16 now. I am confuesd sometimes but till date happiness is maintained in the family. But I am feeling lonely somtimes. what to do?
Ans: Dear Rajesh,

I can understand it is an impossible situation for you but this too shall pass. First things first, are you happy in a relationship that involves cheating, not once, but twice and who's to say there won't be a third? Ask yourself that. If the answer is no, it is quite understandable, but if it's yes, then why? Why would anyone be happy with a partner who cheats over and over again? Why do you think you deserve such a life? Granted, relationships are not all rainbows and butterflies all the time, but they should not look this grim either. You alone have kept it going for this long, and maintained harmony by accepting your partner's infidelity time and again; ask yourself what would happen if you allowed yourself to stop. You can stop tolerating it, you know?

The question isn't how you should deal with your partner who is evidently a repeat cheater. The question is how you should deal with the situation and why are you reacting in a way that almost makes me think that you believe you deserve such a relationship. As for your kid, divorce or separation has much less effect on a child than a broken marriage with two unhappy parents.

If you still want to continue, that is also okay. To each their own, but don't forget to ask yourself what are you staying in this marriage for; your kid, societal pressure, or is it unconditional love for your wife, who, by the way, does not reciprocate the same for you.

Best Wishes!
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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 17, 2023

Asked by Anonymous - Oct 15, 2023Hindi
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Hello, I been married for 15 years now. From last 4-5 years, my wife has been getting involved with Random men(Friend circle, internet friends etc). In few times I found out and she promised that she will stop. But In last couple of years, she been deeply involved with a man who is a friend of her. Her friends have been encouraging and helping her to meet him. She keeps giving vague excuses to go out , when i know she is going to meet her. We had multiple discussions and arguments regarding his involvement, but she keep saying she only talks to him as a friend. Her phone is locked, so i cant see the messages between them. But I secretly recorded a few of the conversations she is having with him when I am away at work. I was shocked by the brazen act of her to continue relationship with him inspite of my warnings. I am not thinking of divorce at the moment since the kids are involved. I am not able to figure out what to do, and since it is affecting my career and health and kids well being. Please advice
Ans: Dear Anonymous,

I understand that divorce is still seen as a negative thing in Indian society, and as you rightfully said, it can have an impact on your kids but at this point in time, some form of separation, if not legal, is very much required. You cannot stand by while your partner continues to cheat on you. If it is indeed your misconception, you might have to sit together with your wife and clear it out once and for all. But if you are absolutely sure about this affair, taking some form of strict action is important. Love can fade over the years, but cheating is never acceptable and you have to communicate this with your partner. Let her decide between you and the man she claims is her friend. And, coming to your kids- it is better to have two happily divorced parents than two unhappy parents who were forced to stick together.

Best Wishes!
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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 20, 2023

Asked by Anonymous - Nov 20, 2023Hindi
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Hi. I am married and its our 17th year into marriage. Myself 40 yrs and my wife 37 yrs, we have 2 kids. I am working abroad and my wife is working near our home in india itself. Recently my son found that my wife is seeing her senior co worker who is also married and having 2 kids. They were sending romantic messages. My son got shocked and immediately informed me and was very furious. I too got shocked and inquired my wife. She apologized and said that she got attracted and carried away. Also it was just chatting and nothing happened between them. they were chatting for nearly 7 months. In between that man had visited my home too. I love my wife a lot and couldnt believe she betrayed me. As i am working abroad i couldnt judge how long and serious this affair was. I couldnt travel immediately also. She pleaded and still going to the same job citing her career and for kids life. I couldnt sleep and terribly confused as how to handle this and proceed further. I couldnt share to my family also.
Ans: Oh my dear Anonymous, I'm sorry to hear that you're going through such a difficult situation. Infidelity can be a painful experience, and it's understandable that you're feeling confused and hurt. Dealing with such matters requires careful consideration and communication.It's normal to feel a range of emotions such as anger, sadness, confusion, and betrayal. Allow yourself the space to come to terms with what has happened before making any major decision. Discuss your feelings, concerns, and expectations moving forward with your wife clear;y being open and honest is what i feel is most important. Discuss and establish clear boundaries regarding communication with the other person. Also you have children, consider how this situation may affect them. It's essential to provide a stable and supportive environment for them. Depending on the circumstances, you may want to involve them in the conversation or shield them from the details, depending on their age. Remember, the decision on how to proceed ultimately rests with you. Seeking the assistance of a professional counselor or therapist can be valuable in navigating the complexities of infidelity and rebuilding trust. It's crucial to prioritize your emotional well-being and make decisions that align with your values and goals for the future.
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2024

Asked by Anonymous - Apr 10, 2024Hindi
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Dear Anu, Long story please read About the this incident : I am in really a bad situation from last 7 days, My father-in law took, my wife and my children away because, I asked about her attractive behavior (Sexual tentative not sure) , she has shown towards our neighbor. I already directly warned her about his wrong starring twice, year before when we went for 4 families trip. (I have proof from her google account to show she has done wrong searches about him like searching for nickname of boyfriend with his designation etc ...) She is running her own business which is started by her on my encouragement and running ok from 7 years. Suddenly for some work, I called her she is missing from her office for 2.5 hours and no one knows where she went, After 2.5 hours I got a call and when I asked, she said Its a surprise and will tell later. Next day too she said It is secret and will tell later, third day too she said she went out for roaming.(my surprise was, in hot summer day on byke roaming at 10.15 am to 12.15 am ... na naa something is wrong). I started tracking her email by taking her password and notification accepted by her on her mobile. Then I realized the web activity(she was not aware of these things will get stored in google till then), as I said above like gift for boy friend and romantic nick name for someone special who is having xxx designation etc ... always smiling person. Attraction synonyms ... casual sex and serious relationship difference a video etc... All these are only from starting of 3rd March 2024. My Heart was broken, as I am staying in different city and already have plans to go home in few days, I somehow manged 2 days and went home. Next, I was all-over her with big fight. I was blaming her for everything even not feeding kids on time, as I was saying she gets time to spend on chatting or searching etc... I was literally went to nuts, as I warned about him to be careful 2 years ago couple of tiimes. She said she is innocent, she didn't searched all the above I have shown her photos taken from my mobile with her track. she asked how did you know I searched for her, Because of using his designation in search. Finally she agreed she meet him for 15 mints on some professional work, on 16th march and went out after that for another place. But google timelines shows she was at home for entire 2.2 hours. why should she lie for remaining 1.5 hrs if there is nothing wrong happened. why should she say 15 mints only, when she meet him for a profession reason for 2 hours. I am literally not satisfied with her answers. Next day morning my mom returned home, (she don't know anything) from a function in other city which she went 10 days ago. (All these episodes happened next day my mom left home according to search history). Suddenly wife in early hours kept suicide note and left home. I was just sleeping in next room, my mom saw the note and woke me up. Finally we found her on our terrace staircase sleeping there as she takes medication for sleep, she has zero negative artistes. I booked ticket for her dad immediately and asked him to come same day, shown him and explained him all this. That day he is calm and asked what you want to do. I was thinking positive that he tells her not to repeat and stay for a week and go home. He said he wanted his wife to talk to her(my mother-inlaw), I said book ticket for her but unfortunately tickets were not available, seems he is also not interested to book ticket. After next day I intentionally went out by taking my daughter for 3 hours informing, I am going out for 3 hours to him. I thought he will speak to her privately to help her understand. But not sure nothing happened my mother said, he was sitting in living room whole 3 hours and she is in bedroom. Next day she said she is not going for office as I am doubting her behavior.(My in-laws never wanted her to work from start marriage) . But before marriage it self I informed them I am looking for a working wife. As they didn't let her attend job interviews, I am forced to invest in business, my hard earned one year salary with loan and made her owner there. I thought she would be also be happy as owner. She is happily running this for 7 years (of-course no profits and I never insisted too much on profits too as I already closed the loan in 4 years from my salary). Past Episode 1 : 1) when we got arranged married, I was in love with a girl and also deep relationship staying with her for few years too. I just gave her a hint as I took her for my GF marriage reception. (Even I loved her my GF with full heart, due to known reason for both of us, I informed her, I will not marry her before, I stay with her). Once she found a letter from my GF and wrote an email to her husband about out Love afair, I am not sure he took that seriously. 2) My wife also have some love story but, I never asked about that as he didn't want to revel that any time.(its ok before marriage something happen in life), I have an idea about that within short span of marriage, as she was sending messages after 11.30 pm etc. After observing couple of months, warned her twice not do so. one day I was anger and left to office, as I saw her texting again previous night. Evening when, I returned home, she was crying like a baby sitting in living room saying as she had swallowed 10 tablets given to her some reason to attempt suicide. I was shocked and rushed her to hospital and fortunately able to save her. Never discussed about that anytime after that. Episode 2: After around 8 years of smooth life and 2 children, after starting the business one night, I was watching movie in living room and went to bedroom, wife suddenly got surprised and hiding her mobile. I asked her why are you hiding and give me the mobile she didn't, I tried to get the reach of mobile and she didn't let that happen as she hold it strong, I left and came back to other room to sleep. But next morning, she was showing anger on me and vice-versa, I had a quarrel and called up her dad after 3 to 4 days, That time he asked what is the proof she is chatting with someone in night, I don't as I didn't snatched her mobile forcefully. He said she won't do anything like that and asked to be peaceful, after few days thing became normal, as I also don't have proof, I thought it might be mistake my side too. Episode 3 : She started going to a super market everyday at particular time every day. Even though she comes though same road just 1 hour before, she wont stop and get items form there, she used to go after getting ready every day for 15 to 20 days, I observed pattern. Generally she goes with my kids skating to classes in our gated community only and used leave from there. I used to go and meet some friends near that skating classes after a while, but some times she used to be not there, I Observed the pattern she was missing continuously from 15 to 20 days after dropping kids there, I followed by my car and searched didn't found her in the regular place where she tells, after 15 to 20 mints, I was standing there she came to the place, when I asked her she said she went for Vegetables shop near by and shown place and a couple veg's she bought. I was working in reputed software org and earning well. I always think about my wife and children even, I am away from home. For example I go to airport, I buy chocolates for my children, I check, If I can get my wife a good watch deal or buy a bag as she like watches but wont try to spend 200 for a coffee in airport. I go to GOA with friends buy clothes from there, by reducing the bottles, I always show lot of love towards, children and wife as I was working from home past 4 years. Love doesn't mean, I tell her I love you or something, but I always felt pain if she is not well or I never said no, If she asked me take for shopping or somewhere etc. we are always going to movies Of-course its on my interest. never restricted anything for her to spend. Point to note she always spends carefully too. I only encourage her to spend more for to buy anything she wants. This is our present. Taken them to holidays now and then etc ... with all above episodes she says I am doubting her, Am I really? or she is creating the situations? 1) Even after warning not send messages after 11.00 pm in night or asked whom she sent no answer. 2) Episode 2 hiding mobile and giving mobile to me 3) Episode 3 even though she comes in same path every day for a specific time staying in same place 4) Episode 4 Even after warning her about bad starring going for professional her with out discussing and deleting call history of him ( 11 sort calls of 40 to 60 seconds and 2 calls on 4 mints each, in a span of 20 days) and mid night searches etc... am I bad guy? or am I trying to saving my wife from this evil intentions we know in society? What if I would have left her for the them, will my family relation will stay, what would it shows her as? will I become a responsible husband? Now she is trying for a job in her city with parents encouragement and trying to get admission for my daughter in Garde 1, even she has completed Garde 2 this year. Not sure about my son yet. She is spoiling daughter studies. My cute children are not with me now, I came back to my office and staying in PG from yesterday. Not able to concentrate on work or other things, literally crying at times in wash rooms.(even at airport when I saw children of my age went to washroom and cried a lot). what should I do go and beg her for getting angry on her? tell her with whom ever you chat and go I wont bother come home? or leave her and children for their fate? what the use for earning this salary when I cant spend time with my children? everyone says wait for her realize her mistake, If she gets job and takes admission in school will she even consider coming back to me? her mother always controls her father, same her sister in-law with her brother(love marriage). Now my mother and couple of friends(close) say, if I go she will treat you like a slave she will come and do same thing again you cant even ask her. After going home they tried to destroy the evidence I have by formatting mobile by logging into google account and erase device. That is a business mobile she didn't even bothered about customer base of 7 years contacts. Fortunately I could recover contacts. I could also get to know her personal email id that's how I cam to know about her job search and admission search of children. what should I do now? Please advice immediately.
Ans: Dear Anonymous,
My suggestion to couples who are at constant loggerheads and on the verge of a marriage breakdown:
- What can you do to put your marriage back together?
- Can you trust one another yet again?
- Are you both willing to set aside your differences and work towards your marriage?

You have given a detailed account of what has happened and one thing seems clear is that there is NO trust left within your marriage. This itself will prevent you from getting back together. Agreed that you have reasons and proof to doubt her, but if you both want the marriage to work, you will have to start fresh.
Also, the fact that she is searching for a job and also admission for the children suggests that she is looking at moving on without you. So, instead of making assumptions on what is happening and hoping for something to happen, it's time to request for a one-on-one chat with your wife. She may decline, but no harm in trying. The chat can bring forth what she has in mind and if she also wants to be in the marriage or move on. Knowing, asking, understanding can help and guide you on the next steps.

No point going around in circles playing this Hide and Seek game as a couple. Sit down, talk it out and take firm decisions. Your marriage will need a lot of trust and love to be rebuilt; are you willing to go through this journey?

All the best!
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Maxim

Maxim Emmanuel  |186 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 28, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello my name is yash I have completed by studies in bsc it I have done jobs of cashier and application support analyst during my studies. No my studies are over I find myself to fit in job as per requirement but I am not satisfied sometimes I feel I am not meant for this I have issues from office like work extra over over time. I want to ask is there everywhere over time of employees to be spend 10-12 hours in office. Secondly I feel that should work in environment where I can move and do work means field work in which I feel I am not bounded in short I want work life balance. I love to read books, I love to do on ground activities in back of my mind I have civil services plan in which I have a permission to work freely. But condition is that how can I do if office demands max hours of my life it's bit confusing for me
Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!
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Ashwini

Ashwini Dasgupta  |65 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Apr 28, 2024

Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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Money
I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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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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