Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Kanchan

Kanchan Rai  |571 Answers  |Ask -

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

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
Asked by Anonymous - Feb 20, 2024Hindi
Listen
Relationship

Hi. I am a 52 year old male, my wife is 53 and we have two grown up kids and a pet. I was in a job till 2018 and thereafter switched to my own practice and there were some financial compromises which had to be made including home shifting etc. My wife befriended certain females who I suspect led her towards a lot of spiritual gyaan though those females were more into their personal material life. My wife became so involved with them and their topics that even when we were intimate she would pause and talk about them. That gave me a kick away from physical relations with her. She currently is more into a lot of spirituality and drawn to such friends and some widowed family members who only take her towards that path. I want to lead a normal intimate life with her as I love her and do not want to hurt her. I took her to a Gynae too for check ups and she only has the normal issues which a woman of her age would have. Children and spirituality have become her priority and pet has become mine's. How do we get back as a normal couple?

Ans: It sounds like you're going through a challenging time in your relationship, and it's understandable that you're feeling disconnected and frustrated. Reconnecting with your wife and rebuilding intimacy can take time and effort, but it's definitely possible.Sit down with your wife and express your feelings openly and honestly. Let her know how her focus on spirituality and her friendships have affected you and your relationship. Avoid blaming or accusing her, but rather focus on expressing your own feelings and concerns. It's important to understand where your wife is coming from and why she's prioritizing spirituality and her friendships. Listen to her without judgment and try to empathize with her perspective. Understanding each other's motivations can help you find common ground. Explore activities or interests that you both enjoy and can do together. This could be anything from going for walks, cooking together, or attending a class or workshop that interests both of you. Finding common ground outside of spirituality can help strengthen your bond as a couple. Prioritize quality time together as a couple. Schedule regular date nights or weekend getaways where you can focus on each other and enjoy each other's company without distractions. Show your love and affection for each other through small gestures, compliments, and physical touch. Rebuilding intimacy often starts with reconnecting emotionally and expressing your love for each other in meaningful ways. Reconnecting as a couple takes time and effort, so be patient with each other and yourselves. It's normal to encounter setbacks along the way, but stay committed to working through them together. Remember that rebuilding intimacy and connection in a relationship is a journey, and it may not happen overnight. With patience, understanding, and effort from both of you, you can work towards restoring your relationship and creating a fulfilling partnership once again.

You may like to see similar questions and answers below

Ravi

Ravi Mittal  |557 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 01, 2023

Asked by Anonymous - Nov 23, 2023Hindi
Listen
Relationship
Hi Ravi, I am 40 yrs old and have been married to my lwife for 12 years. There has been many issues between us ranging from my family's behaviour towards her, my failures in meeting her expectations especially behavioural patterns/attention. Her complain towards me is that I didn't give her the kind of attention and affection which she deserved. I acknowledge that because I struggled very hard in my initial phase of career. In today's scenario she has totally lost interest in me and get attracted towards men who even shows some attention towards her. This is has happened a couple of times. Whenever I countered her for these incidents she tell that it was I who forced her to do all this. I am ready to commit my efforts to make our relationship better but she says she can't have those kind of feelings again for me. She is under constant stress and anxiety due to this and is affecting her health a lot. She is a good person by nature so I don't want to leave her but considering the toxicity of the relation and her deteriorating health due to this relation I suggested her to get separated but she says that she can't divorce because of family/other issues. I can see her struggle/pain in this forced relationship and wanted to help her but can't find out the way. Please help.
Ans: Dear Anonymous,

I understand that you are in a tricky situation and appreciate that you are putting your partner's needs first. In this situation, there's really no one to blame. You could not give her the attention she deserved but there was always a genuine reason for it. It would have been the right choice to separate since she declared her disinterest in the marriage but even that doesn't seem like an option. There's only one thing left, to peacefully co-exist and continue to put in the effort you couldn't in all those years. Continue to live with mutual respect for the marriage, if not love. Put up some ground rules- things that you are comfortable with her doing and things you aren't; consider going for marriage counseling. Professional help can give you the structured support to bring your marriage back on track, slowly but considerably more than trying your own tricks.

One more thing, don't forget to take care of your mental health. If your wife does not want to seek counseling, you can always go for it. It helps us dig deep and gain clarity over what is important and what should not burden us.

Best Wishes.

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 11, 2024

Asked by Anonymous - Nov 07, 2024Hindi
Listen
Relationship
Hello Mam, I'm seeking your help over topic that might not be a usual one. I am 42 and my wife is 37 and we are married from 10years and have two loving kids. We r working professionals and my wife is fond of reading lot of spiritual gurus in office over internet, to which primarily I have no problem. Now the issue here is she has very low to no interest in aspirations over usual things between a couple like each other wishes, priortising dis relation before others, a shared dream,a shared hobby, house decor or a common social circle, etc, no ornaments at home ,adoring with just a bindi is a debatable thing as for her because it's all a dikhawa.(though grooming well for office is a duty not dikhawa) .We sleep in separate rooms due to kids, Sex exist but is seldom and mostly a one way traffic. She doesn't take interest in my emotional well being because as per her I'm too confined in materialistic topics . She has an allegation too some day she was seeking the same things from me and didnt got so has found it all in spirituality. While I wonder what was dat exact date as marriage to me was to have a loving romantic and if not perfect but a true relation. .I rather see this as excuse for her deep interest in spiritual journey. What is common and connect us today is we both love kids unconditionally. I am happy go lucky person who believe in karma, god believing and nurturing family from bottom of heart and take every day as new opportunity , but there is a large space I'm lagging definately in this relation. I don't have any interest in diving into all spiritual content at all that hold answers to mystery of life or beyond life. During time of marriage she didn't shared such thoughts (now she say it's continuos evolution) but I feel it's a true cheating of kind to be in marriage and instead of weaving common dreams , deep dive into unilateral agenda. I do get busy to fill this vaccume but I m worried when I think of future as such people tend to further cut off from usual life is what I believe. I'm worried once our primary duties r complete wih regard to kids what will be common grounds in this marriage and if she pursue all this and takes to another level why shall I hue and cry at 60 regretting for my golden past years and whatever remainder future. Moreover, I won't like to ruin the kids mental and emotional well being in their upbringing at any cost and therefore kindly guide how to work things out with her.. What will kids learn from us as they see us two odd mind people staying together.. How will they begin their Romantic relations if dey see ours in misery all through childhood. I feel so sorry for them. What can I do as of now as I feel clueless and helpless inside.
Ans: Dear Anonymous,
It does happen within marriages where over time, as one evolves during their journey, their interests may not match with one another...
It is possible that the two of you started the marriage liking and disliking similar things BUT your wife is possibly exploring her path.
Now, it obviously can be worrying as treading on different paths can make you distant from one another. But with a lot of sincere work put back into each other and the marriage, things can get better.
- understand and accept that there is nothing constant in life and everything is dynamically changing
- spouses can pursue their individual interests within the marriage without damaging the relationship

Arguing about why things must be a particular way will not make sense as that will only give her the necessary fuel to go further away from the marriage. Spiritual pursuits may not make much sense to you, but what if you actually took interest in how she looks at it and what she gains out of it. Genuinely being curious will only want her to get back home to you and share more with you and still be connected with you.
It's like a child suddenly getting interested in a game or playing an instrument so much that they talk, breathe and live it. What do you do? Don't you get curious, ask them more, encourage them and when they feel happy doing what they love, they come back to you feeling supported and loved.
This is only mys suggestion: talk to her, tell her about your concerns and still make sure she knows that you support her journey. I do feel things will change for you at home this way...

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

..Read more

Latest Questions
Samraat

Samraat Jadhav  |2248 Answers  |Ask -

Stock Market Expert - Answered on Apr 02, 2025

Asked by Anonymous - Apr 02, 2025Hindi
Listen
Money
I have been investing in shares for several years and have seen good returns, but with increasing market volatility, I'm considering diversifying into international stocks or alternative assets. What are the potential benefits and risks of each approach?
Ans: Diversifying into international stocks and alternative assets can be a strategic move, especially given your experience in financial analysis and investment planning. Here’s a breakdown of the benefits and risks of each approach:
International Stocks
Benefits are as follows:
- Diversification – Investing globally reduces dependence on domestic market conditions and spreads risk
- Access to High-Growth Markets – Some international markets, particularly emerging economies, may offer higher growth potential.
- Currency Appreciation – If the foreign currency strengthens against the INR, your returns could increase.
- Exposure to Leading Industries – Developed markets like the U.S. provide access to top tech, healthcare, and finance companies.

Risks involved in international markets are as follows:
- Currency Fluctuations – Exchange rate volatility can impact returns.
- Political & Economic Risks – Foreign regulations, trade policies, and economic instability can affect investments.
- Higher Transaction Costs – International investing often involves additional fees and taxes.
- Limited Information Access – Researching foreign companies may be more challenging compared to domestic firms.

Alternative Assets (Real Estate, Commodities, Private Equity, etc.)
Following are the benefits:
- Low Correlation with Stock Markets – Alternative assets often move independently of traditional markets, helping mitigate volatility.
- Inflation Hedge – Real assets like gold and real estate tend to retain value during inflationary periods.
- Potential for High Returns – Private equity and hedge funds can offer substantial gains if managed well.
- Portfolio Customization – Some alternative investments allow direct control, such as real estate or private businesses.

Risks involved are as follows:
- Illiquidity – Many alternative assets, such as private equity and real estate, are not easily sold.
- Complexity – These investments often require specialized knowledge and due diligence.
- Higher Fees – Alternative investments may have higher management costs and entry barriers.
- Market Uncertainty – Some assets, like cryptocurrencies, can be highly volatile.

Given your methodical approach to financial planning, you might find international ETFs a convenient way to gain global exposure while managing risk. Similarly, REITs or commodity funds could be a structured way to enter alternative assets without direct ownership complexities.

...Read more

Ramalingam

Ramalingam Kalirajan  |8175 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

Listen
Money
I'm now 68 years old. Living with my wife. I have 2 daughters. Both are well settled. I don't have any liability. I'm a pension holder. I'm getting Rs 75,000/- pension pm. I have invested Rs1,50,00,000 in FD. 7lakhs in Mutual funds, 6,50,000 in equity. 12 Lakhs in Sovereign Gold Bond, I'm getting Rs 35,000/- House rent pm. I have 25 lakhs Cash in hand. I want to deposit the above amount. How can I diversified the above amount to deposit?
Ans: Your financial position is strong. You have a steady pension and rental income. Your investments are diversified across FDs, mutual funds, equity, and gold bonds. Let’s allocate your Rs. 25L wisely.

Emergency Fund Allocation
Keep Rs. 5L in a high-interest savings account.

Use a liquid mutual fund for another Rs. 3L for easy access.

This ensures quick access to funds in case of unexpected expenses.

Debt Investment for Stability
Invest Rs. 7L in a mix of short-term and medium-term debt mutual funds.

These offer better post-tax returns than FDs.

Choose high-quality funds with stable performance.

Equity Investment for Growth
Allocate Rs. 5L to large-cap mutual funds via SIP.

This ensures gradual market participation and reduces risk.

Avoid direct stocks for this amount, as mutual funds offer better risk management.

Gold Investment for Inflation Hedge
You already have Rs. 12L in Sovereign Gold Bonds.

No additional gold investment is needed.

Regular Income Investment
Invest Rs. 5L in SWP-based mutual funds for periodic withdrawals.

This provides additional income while keeping capital appreciation intact.

Final Insights
Your current portfolio is well-structured. This allocation balances liquidity, stability, and growth. Your pension and rental income provide financial security. Diversifying your Rs. 25L ensures better returns while maintaining risk control.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8175 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

Listen
Money
Sir kindly suggest some mf for steady return for 5 yr in SIP in large cap
Ans: Investing in large-cap mutual funds through SIP is a stable choice. These funds focus on established companies with strong financials. They offer consistent growth with lower risk compared to mid-cap and small-cap funds.

Let’s assess how to select the right fund.

Why Large-Cap Funds for Five Years?
Invest in top companies with proven stability.

Less volatile than mid-cap and small-cap funds.

Suitable for a five-year investment horizon.

Provide inflation-beating returns over time.

Ideal for steady compounding with SIP investments.

Actively Managed vs. Index Funds
Actively managed funds outperform index funds in varying market conditions.

Fund managers adjust portfolios based on market trends.

Index funds only replicate the market and cannot outperform it.

Actively managed funds provide better downside protection.

For five-year investments, active management ensures stable performance.

Choosing the Right Fund
Look for funds with a history of stable returns.

Ensure the fund has an experienced fund manager.

Avoid funds with frequent manager changes.

Select funds with lower expense ratios among actively managed ones.

Check the rolling returns of the fund, not just past performance.

Tax Considerations
Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.

Short-term capital gains (STCG) taxed at 20%.

SIP investments held for over one year qualify for LTCG benefits.

Plan withdrawals strategically to reduce tax burden.

Final Insights
Large-cap mutual funds are suitable for stable returns over five years. They balance risk and reward effectively. Choose an actively managed fund with strong historical performance. Stay invested with SIPs for disciplined wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8175 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 02, 2025

Asked by Anonymous - Apr 01, 2025Hindi
Listen
Money
Sir...I am 56 years old. I want to take voluntary resignation. I will get 45000 as monthly pension and Rs.75 lacs as lumpsum. I have own house and only son is working in TCS. Can i take VRS????
Ans: Your situation is strong. You have a stable pension, a lumpsum amount, and no housing worries. Your son is financially independent. Let’s evaluate your decision from all angles.

Monthly Cash Flow Analysis
You will receive Rs. 45,000 per month as a pension.

Your expenses must be assessed. If your monthly spending is less than Rs. 45,000, then pension alone can cover your needs.

If expenses are higher, you will need an income from your Rs. 75L corpus.

Inflation will increase costs over time. Your pension may not grow, so investment returns should outpace inflation.

Emergency Fund Planning
Keep at least 12 months of expenses in a safe place.

Use a combination of a bank savings account and a liquid mutual fund.

Avoid locking all your funds in long-term investments.

Investment Strategy for Rs. 75L
You must structure investments to generate income, ensure growth, and manage risk.

Allocate funds into mutual funds for long-term growth.

Use Systematic Withdrawal Plans (SWP) for steady income.

Diversify across large-cap, flexicap, and hybrid mutual funds.

Consider debt funds for stability.

Avoid high-risk sectoral/thematic funds for income needs.

Tax Efficiency
Pension is taxable as per your income tax slab.

Mutual fund withdrawals are taxed based on duration and type.

Keep SWP withdrawals below the taxable limit to minimize tax burden.

Use tax-saving instruments like PPF and senior citizen savings schemes if applicable.

Health Insurance and Medical Planning
Ensure you have a good health insurance plan.

A cover of Rs. 15-20L is advisable for senior years.

Maintain a separate emergency fund for medical needs.

Consider critical illness insurance for major health risks.

Estate Planning and Will Creation
Create a will to ensure smooth asset transfer.

Appoint a nominee for all investments and bank accounts.

Discuss future financial plans with your son.

Final Insights
Taking VRS is a viable option for you. Your pension provides a steady income. Your Rs. 75L can be invested wisely to support future needs. Focus on structured investments, tax efficiency, and health security. If planned well, this decision can give financial stability and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Mayank

Mayank Chandel  |2159 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 02, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x