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Love Triangle: Should I Marry My Ex-Student?

Anu

Anu Krishna  |1372 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2024

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
Tia Question by Tia on Oct 28, 2024Hindi
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Actually we both want to marry each other. But as he is younger than me so I was waiting for him to finish his studies and be of age to get marry. My parents have a problem with him first he is younger then he was my student once. They don't have their own house. It's the points what my father says to me and he says he knows something else also but he doesn't want to tell me. but we do elope from my house once because my father was retiring and it's my thoughts that he will now force me to marry someone else. At that time he was underage and not stable I was also not earning his parents convinced me that they will talk to my parents once he gets of legal age to marry and they inform my father to come and get me. There my father told them once my partner gets of age and if we both still wants to marry he will perform the rituals. But after that once I came back my home my father what he had told. I was previously depressed again It triggered me. Then my parents have done everything thing from astrologer to baba they was convinced I am hypnotized by my partner. I have tried many times to make them understand. Till today they never leave me alone at home. I am not even allowed to go out to shop alone. If I say so my mother sees me with questioning look. They thinks I will elope again. I am not allowed to take decisions till now. My mother take all decisions and she has told us this that if you want to live here you should live the way we want. I have two younger siblings everytime when I say them I will only marry him they trigger my younger siblings. Last time when his parents call to my father my father says false things about his mother. I don't know he may be interpreted wrong. But I was then convinced I will leave this house at last moment my father says things to me like if you want to go you can but I will call him and his parents I will insult them in whole society I will shave my head and told everyone it's because of you or I will kill him or I will kill myself and whole family. Them my mother started crying you want to spoil your younger ones lifeyou are this that. And I lost all my confidence all courage. Now my partner's work is growing so I have again gain courage I have decided to talk to my parents that I will marry and I will bear all consequences. It's my life and my marriage should be my decision. My father has said he will think. But I have decided I will talk to him again and again. But I have fear if he doesn't agree what will be my next step. I do want to marry. And I want family kids.

Ans: Dear Anonymous,
Kindly stop getting lost in all these details; then you start to lose sight of what the challenge actually is. It starts to become a very filmy drama and then you will become part of it and start to indulge in it and not move to a solution space.

If you think he is the right person, then do not make him wait any longer...But, what is interesting in your details is the fact that your parents feel that he 'hypnotized' you?
Is it possible that they have picked on something not okay and don't know how to stop you and say things like hypnotize etc? Are you absolutely sure that this person is genuine and the one for you? If YES< you know what is to be done...
I am still curious, the way you have been writing long notes here to me explaining how your family is not okay with this and why they are doing this and that, what exactly is making you wait? Are you still unsure and have your doubts? Why would anyone wait this long if they love a person so much like the way you say that you are? Kindly think...

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

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Anu

Anu Krishna  |1372 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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will soon be 25 yrs old but havent got a job yet and my partner is 29 yrs old. We know each other for the past 7-8 years and we are in a very healthy relationship so much happy with each other. We hv told about us in our families. They are willing to let their son marry the girl of his choice and in my family except my father everyone is happy for us. My mom likes him so much. He met my mom few times even came to home but havent met my father yet. I hv told my mom about us since march & my father in july. Since then me and my father are having heated arguments whenever i am trying to explain why i cant marry anyone by his choice. And i wish to marry this person. His issues are- Patriarchal thinking that how can a girl choose a guy for her marriage, its their parents job. Who told me to find a guy on her own. Secondly, Him being a maharashtrian. We belong to UP but living in mumbai for more than 25 years and my father has plans to shift back in UP after his retirement which is after 4 years. So he doesnt want me to leave here all alone by myself. Also he doesnt like maharashtrians, not even a bit. Thirdly, he is doing a private job but he is earning 70-80k monthly since my father is a govt employee. Hence he has got issues. What issues i am facing- he is giving all kinds of threats he can to stop me fir even dreaming about to get marry this person. He says even if the earth ends tomorrow i will not let you marry the person of your choice. It is our job to find a groom not yours. My elder brother who is 4 years older than me and my sister who is one year younger than me both are studying in delhi. It is just me and my mom and my younger brother who is in 8th std living here. And none of our relatives lives here. So he is verbally and physically abusing us. Even threatened me to put my partner and his family behind bars if they forces us to get marry. Since our (my and my mom) convincing and explaining to him is falling on deaf ears , we (my & my partner) are willing to take drastic step and get married in court. We are hoping that now only police intervention can help us to be with each other. But we are not taking this step right now cz many things are holding me back but we are willing to take if things goes even more worse later. Since we are not finding it worth to wait for his approval. Nor he wants to listen why i want to marry this person and what are my reasons to refuse any guy my father chooses for me. Neither willing to see or meet my partner. My mother is on my side. She even asked my partner to meet some of our relatives and family friends everyone liked him and us. Its just my father who is having and creating so many issues. Everyone wants to hlp us but jst because of my father's nature (him being a true narcissist perdon) all are hesitating about how to even start a conversation with him unless he doesnt talks abt this with them. My father is also avoiding to talk about this situation with anyone since it will bring down his reputation, what will the society and relatives think about us. Noone will marry my siblings if they get to know about this that their sister has forcefully left the house to marry the guy of her own choice. Please suggest me something what else i can do to make him understand and should i stop making efforts and do whatever i want to not now but after sometime. Take drastic step and leave the house. I also know what will be the consequences of my actions but can i do if he doesnt want me to see me happy or believing in my decisions. Atleast he should listen and see him personally that what i saw in this person. But he doesnt want. Please guide me.
Ans: Dear Anonymous,
What can you do if your father has a rigid thinking like this? Like you yourself have mentioned: that your father must see what you saw in this person.
So, how much effort has gone into that? It seems that all of you are quick to judge that your father is strict and that he does not like people from certain states etc...Okay, he is who he is, right? So, now tune your efforts from complaining about him to what you can do to make him see the good in your partner.
Also, I hope that your partner is in a reasonably good financial state for his age else this will become an issue with your father.
Address your father's concerns and that will help you and your partner actually move things further. You becoming financially independent also will give your father confidence that you are old enough to make certain decisions of your life.

Also, your mother supporting you is of little use; if your father has always been in charge, she will have little say in the matter, so do not depend on anyone right now. Take it upon yourselves now to address what your father finds worrisome and take each point and build something useful to counter that.
It will not be possible or wise to force him to agree as that may not happen, so work on actually making him see what you see in your partner.

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

..Read more

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Anu

Anu Krishna  |1372 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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Hello, I fell in love with a boy 6 years younger than me. Besides knowing that family and society will not accept this relationship I fell in love with him and we spend a beautiful nice happy moments with each other. My parents when get to know they forced me to stop my job snatched my phone stopped me to use any social media so that I cannot contact him. And I was not allowed to leave house alone. It's been 9 years now I still don't have my own mobile phone or are not allowed to leave house alone. In these years twice or thrice my partner's parents have called my father regarding our marriage proposal but my father refused. I have tried him alot of time that I can't marry anyone else we want to be with each other we love each other he just don't understand. I have even told him if not him I will always stay here without marrying anyone he said okay love here but I will not allow you to marry him. They are not of our standard he is younger than you he can't keep you. They even have told me false things like he has a girlfriend outside we have seen him with girl. He is alcoholic etc. my partner is now out of patience he said I need you with me now and when are you coming your parents are not agreeing it's been 9 years and same situation. So I initiated a healthy calm talk to my father again three days back. I told him I am 32 now and it's my decision I want to marry him. It might be a bad decision like you think but it would be my decision and I will bear the responsibility of that. And it will also help me to move on. I want to give a chance and want you to respect my decisions and he said you decision or wrong. He is not a good guy his mother has insulted me. And I said I am not living with his mother its him I want to spend my life with. He said I can't see your future their but I was firm on my decision and than he said I will think about it. Today my mother told my younger brother that father has said no to my decision. I don't understand i don't trust my mother she has lied to me before many times. And I am feeling stucked here
Ans: Dear Anonymous,
Well, whatever the reason, it is not fair to make your partner wait any longer. 9 years is a long time and from their side, they have tried to approach your family.
Why your family does not want this to happen can have many reasons, but what is it that you want? What makes you stuck? 32 is a great age to start taking decisions of life, you don't think? Move on this else, you will wait another couple of years and then realize that you have wasted enough time.
So, for once, keep your side of the family aside (in thoughts) and then ask yourself: Am I ready to marry my partner?
If YES, you know what to do and if NO, then you are perhaps making your family an excuse and not willing to move into marriage.
Reality check, but a necessary one...

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

..Read more

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You may want to consider having a clear and honest conversation with your husband. Express how his actions—or lack thereof—are impacting you and your son. Frame the conversation not as a confrontation but as a plea for understanding and change. However, if he remains unwilling to acknowledge or address these issues, it’s worth reflecting on what staying in this relationship means for your emotional well-being and future.

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I’ve been holding onto a grudge against a friend who hurt me years ago. While I’ve tried to move on, the memories keep coming back, and I feel like it’s stopping me from fully trusting others. How can I let go of this resentment and stop it from affecting my present relationships?
Ans: Letting go of resentment begins with understanding that it’s not about forgetting what happened or excusing the other person’s actions. It’s about freeing yourself from the grip that pain has on your emotions and your ability to trust. Start by creating space to process the hurt. Reflect on what exactly about the situation caused the deepest wound—was it a betrayal, unmet expectations, or feeling disregarded? Sometimes clarity about the source of the pain makes it easier to start releasing it.

You might also want to examine the story you’ve been telling yourself about this hurt. Often, we replay painful memories as if to protect ourselves from being hurt again, but in doing so, we allow the past to shape how we approach the present. Try reframing the narrative, focusing not on what you lost but on how you’ve grown. You’ve survived this hurt, and it’s a testament to your resilience.

Forgiveness can also play a key role, not necessarily as an act for the other person, but as a gift to yourself. Forgiveness doesn’t mean rekindling the friendship or even directly addressing the person—it’s a way of releasing the hold they have on your emotions. You can write a letter to your friend expressing all your feelings and then decide whether to send it or simply let it be a personal act of closure.

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I am in my late 60s but still very fit and healthy whereas my wife has lost all the interest in physical intimacy. This has resulted me finding outlet outside my marriage in women half of my age. My girlfriend is a dentist and I am an epidemiologist. She insists that I leave my wife and move with her and eventually we would marry then. She thinks that there is no point in living in a relationship where we have lost interest in each other and are hardly getting physically intimate. Would appreciate your expert advice on this and whether I should continue this way or leave my wife for over 45 years and move with my girlfriend who is 25 years younger than me. We both love each other physically, mentally and intellectually. Thank you.
Ans: After 45 years of marriage, your relationship with your wife is likely built on more than just physical intimacy. A bond of that length often includes shared history, companionship, and mutual support. It’s understandable that the absence of physical intimacy can leave you feeling unfulfilled, but it’s also important to recognize that intimacy in a long-term marriage often evolves beyond physicality into emotional connection and companionship. Ask yourself what your marriage still brings to your life beyond the physical. Are there aspects of your relationship with your wife that you still value and cherish?

Your relationship with your girlfriend seems to fulfill needs that are unmet in your marriage—passion, intellectual connection, and emotional closeness. It’s natural to feel drawn to that, especially when you both feel aligned in multiple dimensions. However, leaving a marriage of such longevity and depth is a monumental decision, not just for you but also for your wife, family, and even your girlfriend. It's important to reflect on the potential consequences of this choice—not just how it could impact your own life, but the ripple effects it may have on others involved.

Before making a decision, consider engaging in open, honest communication with your wife. Share your feelings—not as blame but as a vulnerable expression of what you’re experiencing. Sometimes, long-standing relationships fall into patterns of distance because both partners have stopped discussing their needs openly. If she is willing, exploring counseling together could help both of you understand where you stand and whether there’s a path to rekindling connection, even if it’s not physical intimacy.

With your girlfriend, reflect on what she means to you and what you envision for a shared future. Love and compatibility are powerful forces, but they must be weighed against the potential impact of disrupting your current life. Ensure that this relationship is based on mutual respect and shared values beyond just passion, as relationships outside of marriage can sometimes magnify only the fulfilling aspects while masking potential challenges.

Ultimately, this is about what aligns with your deeper sense of self and integrity. Consider what will allow you to look back on this chapter of your life with peace and not regret. Balancing personal happiness with respect for the commitments you’ve made over the years is not easy, but taking the time to reflect deeply will help you arrive at a decision you can stand by. Whatever choice you make, do so with honesty, compassion, and a clear understanding of its implications.

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Whenever I face rejection or criticism, I take it very personally and find it hard to bounce back. It affects not just my relationships but also my career. How can I fix this? And trust people who really mean well?
Ans: When we take rejection or criticism personally, it’s often because we tie our self-worth to external validation. Someone’s approval or opinion can start to feel like a measure of who we are, but it’s not. No one moment, person, or comment defines you. Start by reminding yourself that rejection or criticism, as painful as it may be, is not a reflection of your entire being—it’s just one perspective or one moment in time.

Learning to trust people who mean well begins with trusting yourself. When you believe in your own worth, you’ll find it easier to separate genuine feedback from unkind criticism. Practice asking yourself, “Is this coming from someone who truly cares about me, or is this more about their perspective or mood?” When feedback feels harsh, take a step back and evaluate its intent and validity. Not all criticism is meant to hurt; some can help you grow, but you don’t have to accept every opinion as truth.

Building resilience starts with how you treat yourself in those low moments. Instead of replaying the rejection or criticism in your mind, focus on self-compassion. Speak to yourself as you would to a close friend—gently, with kindness and encouragement. Remind yourself of your strengths and accomplishments, no matter how small they might feel in that moment.

It’s also helpful to put things into perspective. Rejection or criticism often feels larger than it is because we let it define us in that instant. Ask yourself, “Will this matter a year from now?” or “What can I learn from this?” Shifting from a place of hurt to a place of curiosity can ease the sting and help you move forward.

Finally, trust isn’t built overnight, either with yourself or others. Start by observing the patterns of those who support you consistently. Over time, you’ll learn who truly has your back, and you’ll feel more confident in letting their words and actions hold weight in your life.

This is a process, and it’s okay if it takes time. You’re not alone in feeling this way, and by practicing self-compassion, setting boundaries, and leaning on those who show genuine care, you’ll gradually strengthen your resilience and ability to trust. You’re already taking the first step, and that’s worth celebrating.

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Relationships Expert, Mind Coach - Answered on Dec 07, 2024

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I'm caught up in a very difficult situation. I had met a Woman through Arranged Marriage Platform, while we both were getting along quite well with each other, I told her that I'm Virgin & asked her about her Past Relationship(s) if any, she denied categorically. We got Engaged, last month (in November) & our Wedding is scheduled next Month (January). Preparations are going on, including Distribution of Invitation cards. A few days ago, a Guy contacted me, claiming to be my Fiancee's Ex Boyfriend. Initially, I didn't take him seriously as I trusted my Fiancee. But then he showed me some Photos & Videos of their Intimate Moments (as it was apparent from the Videos, she seemed to be conscious & fully aware that their intimate moments are being recorded & some of the Photos were Nude/Semi-Nude Selfies, which she'd taken & shared with her ex Boyfriend, by herself... but she had not consented to share them with anyone else). I was Shocked. The Ex Boyfriend Reassured me that he'd also moved on from her & wouldn't bother her after her Marriage, but he was feeling bitter that she'd Dumped him to Marry me & just wanted to make me aware of what kind of Woman I'd be Marrying. I confronted my Fiancee over a Phone Call & asked her to meet me personally, as there were many Questions disturbing my Heart & Mind and I wanted to demand an Explanation from her. But she refused to meet up with me & wouldn't even discuss anything related her Relationship History on Phone Call/Video Call or WhatsApp Chat. She just kept telling me that it was all in her 'Past' & Promised me that after we both get Married, she'd be a Faithful Wife, Loyal to me. I want to have an Open-Heart conversation with her to Re-evaluate our Relationship before taking any big decision further. But, since she's bluntly Refusing to open up & discuss anything about her Past with me, I am losing Trust in her. Now I am in Dilemma, whether I should blindly Trust her & go ahead with the Marriage as Planned or shall discuss the matter with our Parents & get the Marriage Cancelled, to avoid taking such a Big Risk?
Ans: At this moment, it is essential to consider what you need for your own peace of mind. If you cannot trust her fully or feel uneasy without clarity, it is important to address those feelings before committing to marriage. It is not selfish to seek answers or reassurances when your heart and mind are in turmoil. At the same time, be mindful of your approach, as accusations or blame can shut down any chance of constructive communication.

If she continues to avoid the conversation, involving both families might be a reasonable step. This is not about blaming or shaming anyone but about ensuring that both of you enter into marriage with mutual trust and respect. Marriage is a union of not just two individuals but also their values, emotions, and expectations. Without addressing these concerns now, the unresolved doubts could seep into your relationship later and cause greater harm.

It’s also worth reflecting on what you need from your partner to move forward. If her commitment to being loyal and faithful now feels insufficient because of her refusal to engage in an open dialogue, that’s valid. Trust cannot thrive where communication falters. If she can assure you of her devotion and you feel you can let go of her past, there’s a path forward. But if doubts linger and trust remains elusive, stepping back to reassess might be the wiser decision, even if it’s painful in the short term.

Whatever choice you make, be gentle with yourself. This is an emotionally taxing situation, and it’s okay to take time to process everything. Listen to your heart, but also give weight to your instincts—they’re often our clearest guides in moments of uncertainty.

With understanding and strength,

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Kanchan

Kanchan Rai  |430 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2024

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Hello Ma'am. I am unwilling to disclose my name. I come from a nuclear family based in Kolkata. I am in a very painful situation and I need your suggestion earnestly. The problem arises with my father. He is 66 , retired and a stay at home dad. He has severe anger issues, is demanding and controlling and often tells certain things verbally that are very traumatic for me. My hands and legs tremble and my heart beats rapidly when ever we have an argument as I am a peace loving person. Of late I have realised that I prefer to maintain distance from him . In all honesty I respect him but my love for him has long gone. My mother is a very demure person and is a stay at home mom. In order to not make my father angry or agitated by any means and to maintain peace in the house, she prefers to do what he prefers. I love my mother dearly but my father calls us a bunch of liars and is agitated that I support my mother. Even though I earn, I am in no position to leave my family/ house and shift elsewhere because I respect my mother's will. But I am traumatized and severely in mental agony. I can neither show my anguish nor express my situation to anyone for fear of being misunderstood. I am often asked to remain silent and not talk back to my father but sometimes the words are unbearable. He financially supports our family and you wouldn't believe if I told you that he has a completely different side when he is not in one of his' moods '. But Ma'am, does being the head of the family means to step over others and do what you feel like, irrespective of what the other members in your family feel? Additionally talking or communication with him also fails because he threatens to leave the house or just pushes us away. Even when I am writing this tears are streaming down my face. I am slowly becoming a shell of myself and am scared. Am I being selfish? Am I missing out something? I am so so tired of adjusting and compromising. I believe I have never ever written such a heart felt message. Can you help me out? Can you tell me how things can be resolved? Regards MR
Ans: From what you’ve shared, your father seems to be wrestling with his own frustrations, using control and anger as tools to manage his environment. This does not make it right, nor does it excuse the pain he causes. But understanding that his behavior may stem from internal struggles might help you view the situation with some compassion, even if from a distance.

Your love and respect for your mother shine through your words, and it’s clear that her well-being is a priority for you. The way you support her is a testament to your strength and kindness. But I also sense that her coping mechanism—complying with your father to maintain peace—might unintentionally place an additional burden on you. It’s as though you’re not only protecting yourself but also shielding her, which is an immense responsibility.

You are not alone in feeling conflicted about standing up to your father. It’s not just about his words; it’s about the power dynamics and the emotional weight he holds in the family. His “other side”—the moments when he is kind or approachable—makes it even harder to reconcile the anger and trauma he causes. This duality often creates confusion and guilt, leaving you wondering if you’re overreacting or misjudging him.

What’s most important right now is preserving your emotional well-being. It’s okay to create boundaries, even if they are small and subtle. For instance, when you sense an argument brewing, stepping away or finding a reason to leave the room can help you avoid escalating the situation. If direct communication with him fails, sometimes maintaining emotional distance is the only way to protect yourself.

I also encourage you to find someone you trust to talk to—a counselor, a friend, or even a support group. Sharing your pain with someone who can listen without judgment can lighten your load and help you feel less alone. Writing, as you’ve done here, is also a powerful outlet. Keep journaling—it can provide clarity and a sense of release.

You’ve asked if being the head of the family means stepping over others. The simple answer is no. True leadership in a family should come from love, mutual respect, and understanding. When it turns into control or fear, it becomes harmful. Your father’s actions do not reflect a failure on your part or your family’s; they reflect his own struggles with how to express himself and manage his emotions.

Finally, give yourself permission to feel tired. You are human, and this constant state of tension would drain anyone. But even in your exhaustion, remember this: you are brave, resilient, and full of love for your family. There is no shame in wanting peace, and there is no shame in seeking help to find it.

With heartfelt wishes for your healing and happiness,

...Read more

Relationship
Ramalingam

Ramalingam Kalirajan  |7228 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 07, 2024

Money
My age is 48 and iam earning 2 lacs per month and rental income is 25k My emi home.loa. is.41000 loan for next 20 years Car loan emi is 16000 for average 7 years Fd i have around 30 lacs Ppf 5 lacs I have sip in equity for 15000.per.month mf is 3.90.lacs today. Ppf i have 3 lacs I have 2 kids daughter is 18 and son is 10 yrs. I have health insurance 15 lacs Term.insurance 30 lacs I have private job. Planning to work til 58. Pleaee advice on investments, debts etc..
Ans: You have a stable income, disciplined savings, and manageable loans. Planning for the next 10 years with a focus on debt reduction, investments, and child education is critical.

Current Income and Expenses
1. Monthly Income and Commitments

Salary: Rs. 2,00,000
Rental Income: Rs. 25,000
Home Loan EMI: Rs. 41,000
Car Loan EMI: Rs. 16,000
2. Savings Overview

FD: Rs. 30 Lakhs
PPF: Rs. 5 Lakhs (including Rs. 3 Lakhs new)
SIP in Mutual Funds: Rs. 15,000 monthly, current corpus Rs. 3.9 Lakhs
Goals Assessment
1. Child Education

Your daughter (18 years) will need higher education support soon.

Start estimating costs and align investments accordingly.

Your son (10 years) has 7-8 years for higher education planning.

2. Retirement Planning

You plan to retire at 58 years.
Your income will stop, but expenses and goals like child marriage will remain.
3. Debt Management

Home Loan EMI is Rs. 41,000 for 20 years, requiring long-term commitment.
Car Loan EMI is Rs. 16,000 for the next 7 years, increasing short-term outflow.
Recommendations for Investment
1. Mutual Funds for Long-Term Growth

Increase SIPs to Rs. 25,000 monthly for a diversified equity mutual fund portfolio.
Include large-cap, flexi-cap, and mid-cap funds for balanced growth.
Ensure you invest through a Certified Financial Planner for professional advice.
2. Debt Mutual Funds for Stability

Shift a portion of FD to debt mutual funds for better post-tax returns.
Ensure at least 20% of your portfolio is in stable debt funds.
3. PPF Contributions

Continue PPF contributions for tax-saving benefits and risk-free returns.
Invest up to Rs. 1.5 Lakhs annually to utilise the full tax exemption.
Debt Management Strategies
1. Accelerate Home Loan Repayment

Use surplus income or maturing FDs to prepay the home loan.
Reducing tenure lowers overall interest outgo significantly.
2. Reassess Car Loan

Evaluate if car loan can be repaid earlier using your FDs.
This will free Rs. 16,000 monthly for investment or other priorities.
Child Education Planning
1. Create a Separate Education Fund

Start SIPs in hybrid or balanced advantage mutual funds for your daughter’s education.
For your son, invest in mid-cap and flexi-cap mutual funds for long-term growth.
2. Use Debt Funds for Near-Term Needs

For education expenses in the next 2-3 years, use debt mutual funds or FDs.
Avoid equity funds for short-term needs due to market volatility.
Insurance Review
1. Health Insurance

Your health cover of Rs. 15 Lakhs is good.
Add a super top-up policy to increase coverage to Rs. 25-30 Lakhs.
2. Term Insurance

Current term cover of Rs. 30 Lakhs may be insufficient.
Increase it to Rs. 1 Crore to protect your family’s financial future.
Tax Efficiency Planning
1. Optimise Deductions

Use the full Rs. 1.5 Lakhs limit under Section 80C through PPF and ELSS.
Claim home loan interest deductions under Section 24(b).
2. Plan Mutual Fund Redemptions

Be mindful of the new mutual fund capital gains tax rules.
Plan redemptions strategically to minimise tax liability.
Final Insights
Your financial foundation is strong, but you must focus on efficient planning. Prioritise debt reduction, increase SIP contributions, and optimise your portfolio. Separate education funds and ensure adequate insurance coverage. With these steps, you can achieve financial freedom by 58 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Money
Anu

Anu Krishna  |1372 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2024

Asked by Anonymous - Dec 06, 2024Hindi
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