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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 18, 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
Asked by Anonymous - Oct 14, 2024
Relationship

Hi i am age 47 my wife is not interested physically infact when i tried becoming cozy with her she started interaction related to holiday diwali etc it seems she doesn't want to have my feeling keeps on playing candy crush or always in mobile phone during lunch or dinner when we are together now it seems conversation from my end everytime not possible please guide me out

Ans: Dear Anonymous,
It could be one of these:
1. Hormonal changes related to age OR certain medications that she maybe taking
2. A disconnect between the two of you OR lack of emotional connection
3. Boredom in the bedroom OR lack of something new in sexual intimacy

The best way to work through challenges relating to sex and sexual intimacy is for both partners to sit down and be honest with each other and talk it out. It's possible to sort out issues once you know what could be causing them, right?

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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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 02, 2023

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Hello Kanchan I'm 43 & my wife is 39. We have known each other for almost 25 yrs now (8 yrs before marriage and 17yrs of married life). We had our ups and downs in our relationship. But somehow we stayed together. We have a daughter who is 8. I've been working abroad for 4yrs and I used to come only once in a year to see my family. Now I'm back and doing a full time job. My wife works from home as a freelancer. I've observed that, after I returned, my wife has lost interest in me. She's also not interested at all in physical relationship. It is really very irritating as I am a romantic person. She simply says she doesn't feel like having intercourse. She does love me but what's the solution? How do I satisfy my feelings? She agrees to have intercourse so that I don't feel bad. But it is not satisfying! How do I tackle this situation?
Ans: Hello Keshav

It sounds like you're going through a tough time in your relationship. It's important to approach this situation with empathy and understanding towards your wife's perspective. It could be that she's going through her own challenges that are affecting her desire for physical intimacy. It could also be that the dynamic of your relationship has shifted with your return, and you both need to find a new balance.

The first step is to have an open and honest conversation with your wife about your feelings and concerns. Listen to her perspective and try to understand what might be causing her lack of interest in physical intimacy. It's important to approach this conversation without judgment or blame.

If there are underlying issues that need to be addressed, it might be helpful to seek the support of a couples therapist or counselor. They can help you both work through any challenges and find ways to improve your intimacy and connection.

In the meantime, it's important to focus on building emotional intimacy in your relationship. This can be done through spending quality time together, having meaningful conversations, and expressing appreciation and gratitude for each other. This may help to improve your physical intimacy over time.

Remember, every relationship has its ups and downs, but with effort and communication, you can work through challenges and strengthen your connection with your partner.

..Read more

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Ramalingam

Ramalingam Kalirajan  |7908 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 30, 2025Hindi
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Money
I am 45 years old Government Servant. I am planning to take VRS . My corpus after retirement will be 2.0 Cr and monthly pension of 1.5 lacs. I have 2 children , son and daughter 17 yrs and 12 yrs old. I have my own house and no loans. Should i proceed with Retirement
Ans: Taking Voluntary Retirement (VRS) is a big decision. You have built a strong financial foundation. Your pension and corpus give you security. However, early retirement needs careful planning. Let’s analyse all aspects before making a final decision.

Financial Strength After Retirement
Your corpus of Rs 2 crore is a good base.

A monthly pension of Rs 1.5 lakh ensures a steady cash flow.

No loans and a self-owned house reduce financial burden.

Your current financial position looks stable.

Monthly Expenses Assessment
Calculate your family’s monthly expenses.

Include household costs, medical needs, travel, and lifestyle.

Check if Rs 1.5 lakh pension covers all future expenses.

Consider rising costs due to inflation.

Children’s Education and Future Needs
Your son is 17 years old and will soon enter higher education.

Your daughter is 12 years old and also has upcoming education needs.

Estimate future education costs for the next 10-15 years.

If required, allocate a part of Rs 2 crore corpus for education.

Medical and Health Security
Medical expenses increase with age.

Ensure you have a good health insurance policy.

Keep a medical emergency fund separate.

Investment Strategy for Corpus
Equity Mutual Funds (40%-50%)

These give higher returns over long periods.
Ideal for growing wealth beyond pension income.
Actively managed funds perform better than index funds.
Debt Mutual Funds (30%-40%)

These provide stability and liquidity.
Useful for short-term goals and emergencies.
Returns are better than fixed deposits.
Hybrid Mutual Funds (10%-20%)

These balance risk with growth.
Helps in generating consistent income.
Tax Implications on Investments
Equity Mutual Funds

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Mutual Funds

Gains are taxed as per your income slab.
Plan investments to minimise tax impact.

Alternative Income Options
Consider part-time consultancy or freelancing.

This will keep you engaged and provide extra income.

Passive income from investments also helps.

Should You Proceed with VRS?
If your expenses and goals fit within Rs 1.5 lakh pension, VRS is feasible.

If education and future costs are uncertain, continue working.

If you retire now, invest wisely to maintain financial security.

Final Insights
Your financial position is strong.

Plan children’s education and medical costs before deciding.

Invest wisely to ensure wealth growth post-retirement.

Consider part-time work for additional security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7908 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 26, 2025Hindi
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Money
Hello sir I am 22 and doing SIP of 16k in mf Have 1lac in mf and 1 lac in forex and 50 k in crypto what should be my steps to invest wisely for my higher education and better future .
Ans: You have started investing at a young age. This is a great step. With the right strategy, you can build wealth and secure your future.

Current Financial Position
Investments
Mutual Funds: Rs. 1 lakh.

Forex Trading: Rs. 1 lakh.

Cryptocurrency: Rs. 50,000.

SIP: Rs. 16,000 per month.

Investment Goals
Higher education.

Wealth creation.

Financial security.

Key Challenges and Risks
Forex Trading Risk
Forex trading is highly volatile.

It requires deep knowledge and experience.

A small mistake can lead to huge losses.

It is not suitable for long-term wealth creation.

Cryptocurrency Risk
Crypto markets are unpredictable.

They do not have strong regulations.

Prices can drop suddenly.

Do not invest more than 5% of your portfolio in crypto.

Funding Higher Education
Education costs are rising every year.

You need a reliable and safe investment strategy.

Market volatility should not affect your education plans.

Long-Term Wealth Creation
Your money must grow faster than inflation.

Choosing the right investments is important.

Avoid high-risk, short-term trading strategies.

Steps to Secure Your Future
Reduce Risky Investments
Reduce exposure to forex trading.

Limit cryptocurrency investment to 5% of your portfolio.

Increase Mutual Fund Allocation
Mutual funds provide better long-term returns.

Actively managed funds offer higher growth.

Continue your Rs. 16,000 SIP consistently.

Increase your SIP amount when income rises.

Create an Education Fund
Invest in a mix of equity and debt funds.

Equity gives higher returns.

Debt provides stability.

Start a separate SIP for education expenses.

Build an Emergency Fund
Keep at least Rs. 1-2 lakh in a safe investment.

Use a combination of liquid funds and fixed deposits.

This will help during emergencies.

Tax-Efficient Investing
Mutual fund gains are taxable.

Equity funds have lower tax rates for long-term growth.

Debt fund taxation depends on your income slab.

Plan withdrawals wisely to reduce tax burden.

Increase Earnings and Savings
Focus on skill development.

Higher skills lead to better income opportunities.

Invest surplus income wisely.

Avoid unnecessary expenses.

Finally
You have a great start in investing.

Avoid high-risk trading for long-term stability.

Build a strong mutual fund portfolio for growth.

Plan your education fund with a mix of equity and debt.

Keep an emergency fund for financial security.

Your disciplined approach will ensure a bright future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7908 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 25, 2025Hindi
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Money
Hi , I would like to start my investment in mutual funds already im saving 25k in stocks and 50k in chit fund. I have 25k more to save please advice me Thank you
Ans: You are already taking solid steps in your investment journey. A well-balanced portfolio with stocks, chit funds, and mutual funds can help you achieve financial growth. Below is a detailed investment plan for your Rs 25,000 monthly investment in mutual funds.

Why Mutual Funds?
Mutual funds provide diversification and professional management.

They help balance risk and returns based on your goals.

You can invest with flexibility and liquidity.

How to Allocate Rs 25,000 in Mutual Funds?
Equity Mutual Funds (Rs 15,000 - Rs 18,000 per month)

Ideal for long-term growth.
Invest in different categories for risk balance.
Choose actively managed funds for better returns than index funds.
Hybrid Mutual Funds (Rs 5,000 - Rs 7,000 per month)

These funds invest in both equity and debt.
Reduce risk while giving decent returns.
Debt Mutual Funds (Rs 2,000 - Rs 3,000 per month)

Suitable for stability and emergency funds.
Ideal if you need funds in the short term.
How to Choose the Right Mutual Funds?
Investment Goal

Define your target, such as wealth creation or passive income.
Risk Tolerance

Higher risk means potential for higher returns.
Lower risk gives stability but lower growth.
Fund Performance

Look at historical returns over 5-10 years.
Consistency matters more than high short-term returns.
Expense Ratio

Lower expense ratios help improve overall returns.
Regular funds provide advisor support, which helps in fund selection.
Benefits of Investing Through a Certified Financial Planner (CFP)
A CFP helps you create a solid investment plan.

They guide you to rebalance your portfolio regularly.

Investing through an MFD with CFP certification ensures expert monitoring.

How Mutual Funds Fit Into Your Existing Portfolio
Stocks (Rs 25,000 per month)

Direct stocks give higher risk and rewards.
Mutual funds balance this risk with professional management.
Chit Fund (Rs 50,000 per month)

Chit funds provide disciplined savings but may have lower returns.
Mutual funds offer better liquidity and tax benefits.
Mutual Funds (Rs 25,000 per month)

A mix of equity, hybrid, and debt funds ensures diversification.
Helps achieve long-term wealth creation with stability.
Key Mistakes to Avoid in Mutual Fund Investment
Avoid Investing in Direct Plans Without Expert Guidance

Direct plans seem cheaper but require deep research.
Investing through a CFP ensures better selection and monitoring.
Don’t Chase High Returns Only

High-return funds also come with high risks.
Focus on consistency and long-term growth.
Skipping Periodic Review

Markets change, and your investments need rebalancing.
Review your portfolio every 6-12 months with your CFP.
How Taxation Affects Your Mutual Fund Returns
Equity Mutual Funds

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Mutual Funds

Gains are taxed as per your income tax slab.
Hybrid Mutual Funds

Taxation depends on the equity-debt ratio.
Final Insights
Your current investments are well-structured.

Mutual funds will add diversification and balance.

Follow a disciplined approach for better long-term returns.

Invest through a Certified Financial Planner for expert advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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Relationship
I'm in a relationship, I’m 19, and he’s 26. He works and is the eldest son in his family, and I’m still in college. He’s often busy with work and other commitments, so we only talk for about 1-2 hours at night, but even then, he doesn't talk late, he goes to bed early. Is this okay, because I like talking late, but he doesn’t give me enough time? His family is pressuring him to get married, and on top of that, he’s not from my caste. So, what should I do to make him sure about me and wait for me? Also, lately, he’s been a bit rude, he’s not the same as before. Is it that he doesn’t care about me, or is he taking me for granted, or is it just me thinking that he’s not as good as before?
Ans: Dear Anonymous,
I understand your wish to keep talking late, but there's a big difference between your lifestyle and his. He is the elder son with responsibilities and a job, while you are a college student; besides studies, you have the luxury of not having all the burdens of your family on your shoulders. His eagerness to sleep early might be owing to tiredness or having to wake up early.
Having said that, if you think there is some other reason, you can always ask him directly. Coming to his rudeness- while I do not support misbehavior in any condition, there still might be reasons like office pressure or family pressure and more. In no way am I excusing his behavior- what I am saying is to talk to him about it. Let him know that his behavior is hurting you and you would like to know the reason behind it.

I can't tell you for sure if he is taking you for granted, or has stopped caring for you, but a direct and open discussion with him can certainly offer you some clarity on it.
Best wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |7908 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 25, 2025Hindi
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Money
Hi, I am 42 yr old, living with my family including two children of 5 and 8 yrs. I have a loan free flat and two other properties in Gurgaon. I have an expenditure of 75 K monthly.. My monthly rental income is around 80k, I get salary of around 1.7 L per month. Currently invested 20 L in FD, ppf around 25 L and ppf accumulation is around 4 L. I want to retire now, please advise.
Ans: Your financial position is strong. You have multiple income sources and no loans. However, retiring now requires careful planning. You need to ensure steady cash flow and protect your wealth from inflation.

Current Financial Position
Income Sources
Salary: Rs. 1.7 lakh per month.

Rental Income: Rs. 80,000 per month.

Total Monthly Income: Rs. 2.5 lakh.

Expenses
Monthly Household Expenses: Rs. 75,000.

Annual Expenses: Rs. 9 lakh.

Investments and Savings
Fixed Deposits: Rs. 20 lakh.

Public Provident Fund (PPF): Rs. 25 lakh.

PPF Accumulation: Rs. 4 lakh.

Properties: One loan-free flat and two properties in Gurgaon.

Key Financial Challenges
Sustaining Cash Flow After Retirement
Your rental income is Rs. 80,000 per month.

Expenses are Rs. 75,000 per month.

Rental income alone is not enough in case of vacancies.

You need a stable alternative income source.

Inflation and Wealth Protection
Expenses will rise due to inflation.

Fixed deposits and PPF grow slowly.

You need higher returns for long-term financial security.

Children’s Future Planning
Your children are 5 and 8 years old.

You need funds for their education and marriage.

Ensure proper allocation for these goals.

Medical and Emergency Fund
Medical costs rise with age.

Keep a separate emergency fund.

Health insurance is necessary for protection.

Steps to Secure Your Retirement
Maintain an Emergency Fund
Keep at least Rs. 10-15 lakh in liquid form.

Use a combination of sweep-in FDs and liquid mutual funds.

Create a Reliable Income Stream
Rental income may not be consistent.

Invest part of FD and PPF maturity in mutual funds.

Use Systematic Withdrawal Plan (SWP) to get monthly income.

Investment Strategy for Growth
Reduce dependency on fixed deposits.

Invest in actively managed mutual funds for inflation-beating returns.

Balanced mutual funds can provide stability and growth.

Children’s Education and Marriage Fund
Set aside a portion of your investments for their education.

Invest in long-term funds for growth.

Medical Insurance for Family Security
Get a health insurance policy for your family.

This protects your savings from medical emergencies.

Finally
You are in a strong financial position.

Ensure steady income beyond rentals for financial security.

Invest wisely to beat inflation and sustain long-term wealth.

Plan for children’s education early to avoid future burden.

With proper planning, early retirement is possible without risk.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Relationship
Hello ma'am...i am a girl of 21 yrs and my bf 24yrs.We met each other through an online friendly chat app.Since 1yr,we r chatting,video and voice calls.He told me,he loves me and wanna marry me.I too liked him and I took the matter to my parents and they agreed for our marriage also.I made him talk to my parents.He didn't still let this matter know to his parents.Recently,without my permission..my cousin sis took his insta id and chatted with him like an unknown girl for fun.She created an account in insta and sent a request to him n he accepted that request and continued chatting with her.She told him like she saw his profile and interested and so given a request.He was asking her for voice call,video call,but she didn't accept.She sent some other picture when he insisted her pic and later he asked her "do u like me" for which she funnily replied love at first sight and love you.He told her he want to express his love to her in voice call and later he too proposed..she showed all those screen shots to me. I am broken.I questioned him what is all this?...for which he replied...he just chatted to find out whether that account was a fake account or real account...but,the screen shots were showing something different..when my cousin called him bro..he was very upset and scolded her too. Now,he saying he thought it's a fake boy id and wanted to make fun of and even fought with me saying i don't trust him and without his acceptance..i gave his id to my cousin..but,i havent given.. He is saying he wanted to test whether it is a fake or a real account and so he made fun off and didn't mean it and that too just chatting it is n not to take it seriously and he loves me much.. I am confused after this whether to proceed for marriage..he isthe first guy and love in my life...should i believe him or let him go or should i give him one more chance?..please give u r advice..thank you
Ans: Dear Anonymous,
I am so sorry that you are in this situation. While I can't make a decision for you, I can help you by pointing out how this looks like from an outsider's perspective- your BF's interactions with this profile do not really support his claim of "just testing if it's a fake account." It seems like he was interested in chatting and continuing the flirty conversations. This does not mean he is in love with the person behind that online profile, but it surely looks like he can go behind your back for some thrill.

Trust and honesty are two very important things in a relationship, and if you are planning on getting married, this is not a good start. Moreover, his getting angry at you upon confrontation is a red flag- he tried to gaslight you.
It's your choice whether you want to leave or give him another chance but before you make a decision in haste, ask yourself-
1) If he loves you, would he flirt with someone or even chat with a stranger for entertainment?
2) Would you do the same to him?
3) Is he taking responsibility and asking for forgiveness?
4) Can you trust him completely after this or would you always keep wondering if he is cheating on you?
Once you answer these honestly, I think you will know what's the right thing to do.

One more thing- if you really are thinking of taking this ahead, please make sure to meet up in person before committing. Love can happen online but for your safety, meeting IRL is very important.

Hope this helps.

...Read more

Ramalingam

Ramalingam Kalirajan  |7908 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

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Money
Dear sir I lost my job like 3 years back and since then there is no contribution in my pf account. I m 49. I don't hope of getting another fulltime job. There is around total 45lacs accumulated there. Can you please advice what is the best way to handle this amount? As of now I m debt free and small family with 2 school going kids, living on my savings and interest incomes from bank and equities.
Ans: You have a substantial PF balance, but with no new job, it needs careful planning. Your goal is to ensure stability, preserve capital, and generate income for the long term.

Should You Withdraw the PF Amount?
Your PF account stops earning interest after three years of inactivity. Since you haven’t contributed for three years, check with the EPFO if interest is still being credited.
If interest is not accruing, withdrawing gradually over time is better than keeping it idle.
If it’s still earning interest, you can defer withdrawal until you need the funds.
Where to Invest the PF Amount?
Once withdrawn, you need low-risk, income-generating investments to support your family.

1. Fixed Deposits for Short-Term Stability
Keep Rs 10-15 lakh in bank FDs for liquidity and stability.
Choose senior citizen or special deposit schemes for higher interest rates.
Opt for monthly or quarterly interest payout for regular income.
2. Debt Mutual Funds for Tax Efficiency
Invest Rs 15-20 lakh in debt mutual funds for stable returns and tax efficiency.
Banking & PSU Debt Funds or Corporate Bond Funds are safer choices.
Debt funds benefit from indexation, reducing capital gains tax over time.
3. Dividend-Paying Stocks for Passive Income
Allocate Rs 5-7 lakh in blue-chip dividend-paying stocks.
These stocks provide stable income and have potential for long-term appreciation.
Reinvest surplus dividends for future growth.
4. Monthly Income Plans for Regular Cash Flow
Consider conservative hybrid funds with systematic withdrawal plans (SWP).
This ensures regular cash flow while maintaining the investment corpus.
Emergency Fund & Medical Backup
Keep at least Rs 5 lakh in a separate savings account or liquid fund for unexpected expenses.
Ensure you have adequate health insurance for yourself and your family.
Set aside Rs 3-5 lakh for children’s school fees in a short-term investment.
Final Insights
Your PF corpus can provide financial security if managed well. Combining FDs, debt funds, blue-chip stocks, and SWPs ensures stability, liquidity, and income. Avoid risky investments and focus on capital protection.

Best Regards,

K. Ramalingam, MBA, CFP

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

...Read more

Samraat

Samraat Jadhav  |2198 Answers  |Ask -

Stock Market Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 23, 2025Hindi
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Money
I want to become professional in stock market
Ans: Becoming a professional in the stock market requires a combination of education, experience, and discipline. Here are some steps to guide you on this path:

1. Educate Yourself
Read Books & Articles: Start with foundational books like "The Intelligent Investor" by Benjamin Graham and "A Random Walk Down Wall Street" by Burton Malkiel.

Take Online Courses: Websites like Coursera, Udemy, and Khan Academy offer courses on investing and financial markets.

2. Get a Formal Education
Pursue a Degree: A bachelor's degree in finance, economics, or business can provide you with a strong foundation. NISM has one.

Certifications: Consider obtaining certifications such as Chartered Financial Analyst (CFA) or Certified Financial Planner (CFP).

3. Gain Practical Experience
Paper Trading: Use virtual trading platforms to practice without risking real money.

Internships & Jobs: Work for brokerage firms, investment banks, or financial advisory firms to gain hands-on experience.

4. Develop Analytical Skills
Understand Financial Statements: Learn to read and analyze balance sheets, income statements, and cash flow statements.

Stay Updated: Follow financial news and analysis from reputable sources like Rediffmoney, CNBC, and financial newspapers.

5. Create a Strategy
Define Your Goals: Determine whether you're interested in short-term trading, long-term investing, or a mix of both.

Develop a Plan: Based on your goals, create a trading or investing plan. Stick to your strategy and avoid emotional decisions.

6. Network
Join Groups & Forums: Connect with other investors and professionals through online forums and local investment groups.

Attend Conferences: Participate in financial and investment conferences to learn from experts and network with peers.

7. Start Investing
Open a Brokerage Account: Choose a reputable brokerage to start trading and investing with real money.

Diversify Your Portfolio: Spread your investments across different asset classes to minimize risk.

8. Continuous Learning
Stay Educated: The financial markets are constantly evolving. Continue learning and adapting to new trends and technologies.

Seek Mentorship: Find a mentor who is an experienced investor or trader to guide you through your journey.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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