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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2022

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
PS Question by PS on Mar 17, 2022Hindi
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Relationship

 Hi, Please guide me. I am into 10 years of married life with a son of 7 years, both are working...
It's an arranged marriage, but we got 6 months to know each other, initially as usual everything seems to be of roses but then comes with reality check..
We both are extremely incompatible.. our views, thoughts, interest, choices never match.
He has the habit of pin pointing on everything I do, it's hard to maintain my calm, as I have to manage school, my son, home everything. He helps in daily chores, we stand together in rough times but otherwise we can't discuss any situation with each other.
My mother in law also emotionally abuses me by hurling cheapest meanest nasty comments.
My parents never listen to me, they expect me to compromise... I'm tired, frustrated.. could you help?

Ans:

Dear PS,

After a few years of marriage, reality can hit hard and then you realize that there are no commonalities between the two of you.

But isn’t that something to celebrate?

We would not be very happy with someone who is just like us. The differences bring in newness and a fresh outlook every moment. So, instead of focusing on the fact that you have nothing in common, why don’t both of you fix your eyes on what is good in the marriage and what each of you bring into each other’s lives?

A marriage therapist can guide you as this is something that they do day in and day out; by bringing awareness to what is beautiful in each other…

And kindly focus on your marriage. Your mother-in-law is simply reacting to the environment in the house and does what she knows.

Sometimes elders do not know the right way to deal with things that they never experienced.

When she sees her son stressed, she might feel it’s because of you and hurl abuses at you.

Each one is dealing with the situation in their own way. I suggest you focus on your marriage that is obviously important to you.

Do remember, storms may lash, but the ones who truly believe in the power of the Sun to relieve them, not only survive but thrive.

So believe that you have the strength to grow out of this and create a beautiful life. And you have mentioned that your husband and you stand together in rough times, so he is anyway going to be with you in this as well. Simply confide in him and grow together.

All the best!

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Relationship
Hi Anu,I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace. He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different. I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.There is no progress in career because constantly we are under tensions. My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind. I don't know what happens to me. When he comes close to me I stop talking breaths. We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.
Ans:

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

..Read more

Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Hi Anu, I got married in Jan 2019 and it was an arranged marriage. Before marriage my husband loved me and we used to meet often and go out. But after marriage i got to know that his parents are extremely controlling and strict, they brainwashed him. A week into marriage we started fighting, and since then it's been a see-saw of love and hate. Soon we found out that he is impotent, but I helped him get over it, be it doctor's appointments or medicine, I took care of everything, it took us a year but we finally consummated our marriage. Then due to covid we moved to my in-laws’ house at his request. And then this marriage became hell to me, my in-laws started verbally abusing me every day though my husband tried to protect me but failed. I thought after the baby they would stop but it got worse so I took my 1-month-old baby and moved into my parents’ house. My husband came and begged me to not leave him, he said we'll move out to our own place. I agreed but then he called and told me that we'll go to another city after a year and I should stay with my mother till that time. BTW I am taking care of the baby all on my own financially, he won't do it unless I start living with him. I am financially independent. I don't know whether I should leave him or not, help?
Ans:

Dear S,

Time this one out! Which means, drop a deadline by having a conversation with your husband as to when your family will finally have a chance to function independently from in-laws or any other external circumstances.

Dropping deadlines means, both of you will be under the pump to put down a plan as to what needs to be done to clear out the existing muck and how beautifully you will create a loving environment for your baby to grow.

Not taking care of the baby or you, is not an option for him; but I guess it has become a convenient arrangement for him as you live with your parents and he does not need to take care of the fights and expenses as well.

This could only mean he is escaping reality and finding peace in avoiding it. Put him in the face of reality and that goes for you as well.

Being too accommodative can also become a habit where you rely on the comfort of what it brings to you; in this case the comfort at your parents' home.

For the sake of the baby, work together as a team and create a beautiful relationship; which will help the baby grow healthy, physically and emotionally.

All the best!

..Read more

Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 27, 2021

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Relationship
Dear mam, my husband and I had a love marriage. We dated for five years before getting married and we have been living together for 8 years now. I am working and we have a 5 year old son. He is a very good guy but his parents and relatives who are staying with us are making things difficult for us now. Like you suggested I tried talking to my husband but I feel he is being biased and taken for granted. I tried to adjust and ignore some things but there is a lot of politics going on every day which is affecting both of us. From money issues to privacy and kitchen fights, we are dealing with a lot of things that I am not able to talk and solve. This is affecting my career and my son’s studies too. Every time I start a discussion it leads to a big fight in front of everyone. Ultimately I am cornered and blamed. The patent response is: everyone adjusts. I’m not able to handle it well and no support from anyone. Also I don’t have anyone to talk to whom I can trust. Please help.
Ans: Dear S, Thank you for trying to apply a few of my suggestions. Extended families can be a huge challenge to live with as much as there are advantages as well.

Too much mixing of thoughts and opinions that at times you feel that your thoughts are never valued.

Either, you ease into this and know that this will be your world; which means you start to ‘try’ to become happy which can be stressful.

If this is impossible and you want to change it, then STEP UP for yourself and for your son.

No arguments, no fights, but firmly asserting what you want.

Be kind always no matter what because your husband is just in the midst of his family and the family system that he has been raised with, your protests don’t matter much.

Making your point known doesn't need fights, but reiterating what you want and that your thoughts must be respected.

It’s possible that over a few weeks, this new calm behavior of yours might bring some change in your husband and he may start hearing and listening to what you have to say.

If that doesn’t work, yes you may have to take the help of a professional who will put you two together in a place and become a good third person who will facilitate the communication.

Whatever it is, be kind and calm and I am sure you are…it helps in ‘breaking down’ the stubbornness in other people and they maybe willing to calm down as well.

Be at peace.

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Anu

Anu Krishna  |856 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 2022

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Hi Anu, I have been reading your articles for quite some time. I am 40 years old in a marriage for last 12 years. I have a 11.5 year old son.My marriage is going through a very rough phase. My husband doesn't leave any chance to abuse me, doesn't matter where and with whom we areMy husband proposed to me knowing I have Vitiligo (discoloration of skin). Plus I was not as rich as him. I did make him aware of this before going ahead. His family was against our marriage still he went ahead. From the day of marriage he suddenly changed, and started abusing me in and out. First I thought my mother-in-law is creating problems which she did every time we came together. Infront of every maid and in the absence of my husband she tried to humiliate me based on my skin condition and financial status. But she'd become caring in his presence.After five years of marriage, for a few years we were away from family. It was peaceful and we had a nice time. But during the lockdown and online school we were back with the same problem. Now the condition is that I cannot stay with my husband. My family is very supportive but suggest that before taking any step I should think of my child. And that we should both sit and talk.If I try talking to my husband I know it will end in a fight. Kindly suggest which way should I go?
Ans:

Dear KB,

Maybe someone from the family or his friends have commented on your condition and made him feel that he made the wrong choice.

Even if it’s that, when he knew and had no objection, what is a man’s word is that he keeps it no matter what!

Now that he has gone back on it, it’s natural for others to take advantage of it and mock you for what the society considers as ‘not beautiful’.

In a way, we are obsessed with some sort of standards for what’s beautiful and what’s not. Beauty standards, you might call it so!

He seems to be a different person with his family and without, it suggests that he may not have a very strong mind to back up the decision of marrying you in the first place possibly against the wishes of his family.

Abuse, at no point is justifiable and you need to take a strong stance and draw a boundary as this is going to continue.

Your family has made a wise suggestion and for the sake of the child, it might be worth the effort to sit down have that chat with your husband however hard that might be.

Do not compromise on the fact that this so-called beauty standards and labels within his family will continue. Be unapologetic about who you are and own your beauty your way.

This is non- negotiable and you need to state this clearly when you have that conversation with him. Period!

All the best!

..Read more

Rishta

Rishta Guru  |7 Answers  |Ask -

Rishta Guru - Answered on Feb 14, 2024

Asked by Anonymous - Feb 13, 2024Hindi
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Relationship
I have had an arranged marriage two years ago. My wife was chosen by my mother but now they just don’t like each other. They have nothing in common and are different in every way. I lost my father when I was a child and my mother has brought me up alone. I have no siblings. I love my wife and I love my mother. I want us to stay together as a happy family but I cannot bear the constant arguments and angry words in our home. What should I do?
Ans: Hi there. Thank you for writing in.

I can see that you're feeling distressed, caught between the two most important women in your life. This situation requires delicate navigating, open communication and prioritising your own well-being.

Every family is unique and there's no one-size-fits-all solution. Focus on understanding, respect and finding common ground.
Remember that your wife has come from a different family and is trying to become a part of her new one. She is readjusting every aspect of her life.

At the same time, be respectful of your mother’s beliefs and needs.

Remain patient, communicate openly and seek support when needed.

Here are some suggestions that might help:

a. Open and honest communication

1. Talk to your wife calmly about the situation.

Share your concerns about the tension and express your desire for peace and happiness.

See if she's willing to try to build a more amicable relationship with your mother, even if they don't become best friends.

Encourage her to show respect to your mother while maintaining her own boundaries and identity.

2. Do the same with your mother. Express your love and gratitude for her efforts but also your discomfort with the ongoing conflict.

Encourage her to try understanding your wife's perspective and consider setting boundaries to allow each other space.

b. Focus on respect and understanding

Encourage both your wife and mother to recognise each other's strengths and differences.

Remind them that while everyone does not need to get along perfectly, respect is essential.

Encourage them to focus on appreciating each other's qualities and contributions to the family.

A harmonious family environment benefits everyone, including the next generation (if any).

c. Setting boundaries

Discuss and establish clear boundaries with both your wife and mother regarding acceptable interaction and communication styles.

This could involve avoiding certain topics or having separate conversations when tension arises.

d. Consider involving a trusted elder to mediate between your wife and mother.

e. Remain open to finding compromises that consider everyone's needs and comfort levels.

This may involve adjusting living arrangements, sharing household responsibilities differently or finding common ground about shared activities.

f. This situation won’t have a quick fix so be patient and consistent in your efforts.

Focus on individual accountability; encourage both your wife and mother to take responsibility for their actions and communication styles.

Prioritise respectful co-existence. While a close relationship may not be possible, respectful co-existence is crucial for a peaceful family environment.

Remember, you cannot control their behaviour, but you can control how you react.

..Read more

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Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 07, 2024Hindi
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Money
Respected everyone I invested in multiple mutual funds around 5 - 10 thousand but didn't continue. My age is 44 please suggest which mutual fund is the best for SIP doesn't matter for long period.
Ans: Selecting Mutual Funds for SIP at Age 44: Long-term Perspective
Investing in mutual funds via SIP is a prudent strategy for wealth accumulation, especially when considering long-term financial goals. Let's explore suitable mutual fund options for SIP investing, considering your age and the desire for long-term growth.

Investment Horizon and Risk Tolerance
At 44, with a longer investment horizon ahead, it's crucial to balance growth potential with risk tolerance. While you may have a moderate risk appetite, your focus on long-term growth allows for a diversified portfolio with exposure to equities.

Mutual Fund Selection Criteria
Diversification: Opt for mutual funds that offer diversification across sectors, market capitalizations, and investment styles. This helps mitigate risk and capture opportunities across different segments of the market.

Consistent Performance: Choose funds with a track record of consistent performance relative to their benchmarks and peers. Look for funds managed by experienced fund managers with a proven investment strategy.

Expense Ratio: Consider funds with a reasonable expense ratio, as lower expenses can significantly impact long-term returns. Focus on the net returns generated by the fund after deducting expenses.

Recommended Mutual Funds
Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable performance. They offer stability to the portfolio while providing growth potential over the long term.

Multi-cap or Flexi-cap Funds: These funds have the flexibility to invest across market capitalizations, allowing them to capitalize on opportunities across the market spectrum. They offer a balanced approach to growth and risk.

Balanced Advantage Funds: These funds dynamically manage asset allocation between equities and debt based on market conditions. They offer downside protection during market downturns while participating in equity market upswings.

Professional Guidance
Consulting a Certified Financial Planner can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you select mutual funds aligned with your objectives and monitor your portfolio's performance over time.

Conclusion
Investing in mutual funds via SIP for the long term is a prudent strategy to achieve your financial goals. By selecting diversified funds with consistent performance and seeking professional guidance, you can build a robust investment portfolio that grows steadily over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 07, 2024Hindi
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Money
I am 28 years old. I have a salary of 75k, out of which 8k invested in EPF, 10k invested in Small cap(6k) and Mid cap(4k) Mfs as monthly SIP (started SIP in month of April 2024). My monthly expense is 30k. Currently I have 4L invested in EPF and 20k invest in MFs. I want to build a corpus of 1cr in next 10 years and build on that. Should I diversify my investment or increase my investment in current instuments.
Ans: Building a Corpus of 1 Crore in 10 Years: Investment Strategy
At 28, with a stable income and a clear financial goal of accumulating a corpus of 1 crore in the next 10 years, it's crucial to formulate a robust investment strategy. Let's evaluate your current investments and explore options to achieve your target corpus.

Current Investment Analysis
EPF Contributions: Your EPF contributions provide a foundation for long-term wealth accumulation with their tax benefits and compounding effect over time. With 4 lakhs already invested, your EPF contributions can significantly contribute to your corpus building.

Small-cap and Mid-cap SIPs: Investing 10k monthly in small-cap and mid-cap mutual funds through SIPs demonstrates your willingness to take on higher risk for potential growth. These funds have the potential to deliver superior returns over the long term but come with increased volatility.

Strategies for Corpus Building
Increase SIP Contributions: Given your age and investment horizon, increasing your SIP contributions can accelerate your wealth accumulation. Consider gradually increasing your SIP amounts in small-cap and mid-cap funds to capitalize on their growth potential.

Diversification: While small-cap and mid-cap funds offer growth opportunities, diversifying your portfolio with investments in large-cap and multi-cap funds can help manage risk. Consider allocating a portion of your investments to these funds to achieve a balanced portfolio.

Additional Investment Avenues: Explore other investment avenues like Public Provident Fund (PPF), National Pension Scheme (NPS), or Equity Linked Savings Scheme (ELSS) for tax-efficient wealth accumulation. These options offer tax benefits along with potential returns.

Professional Guidance
Consulting a Certified Financial Planner can provide personalized guidance tailored to your financial goals, risk tolerance, and investment horizon. They can help you optimize your investment portfolio and make informed decisions to achieve your target corpus.

Regular Review and Adjustment
Periodically review your investment portfolio's performance and make necessary adjustments based on changes in market conditions, financial goals, and risk tolerance. Regular monitoring ensures that your portfolio remains aligned with your objectives.

Conclusion
To achieve your goal of building a corpus of 1 crore in 10 years, it's essential to adopt a balanced approach to investment by diversifying your portfolio and increasing your SIP contributions. Seeking professional guidance and regularly reviewing your portfolio are key to realizing your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 08, 2024Hindi
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Money
Hi, i have 70 Lakhs corpus fund in my account. Im investing 10k every month in quant small cap and nippon small cap fund in each. Where can I invest 70lakhs so tht i get 35k per month for my monthly expenses.
Ans: With a corpus of 70 lakhs and the objective of generating 35k per month for expenses, let's devise a sustainable income-generating strategy while ensuring prudent wealth management.

Income Generation Strategy
Dividend Yield Funds: Consider allocating a portion of your corpus to dividend yield funds, which invest in stocks that pay regular dividends. These funds can provide a steady stream of income while offering the potential for capital appreciation.

Debt Funds: Invest a portion of your corpus in debt funds, which primarily invest in fixed-income securities like bonds and government securities. Debt funds offer stable returns with lower volatility, making them suitable for income generation.

Systematic Withdrawal Plan (SWP): Implement SWP in equity and hybrid funds to systematically withdraw a fixed amount each month. This allows you to benefit from potential capital appreciation while receiving regular income.

Portfolio Allocation
Equity and Debt Allocation: Strike a balance between equity and debt investments to manage risk while aiming for sustainable income. Consider allocating around 30-40% of your corpus to equity funds and the remaining to debt funds.

Diversification: Diversify your portfolio across various asset classes and fund categories to mitigate risk and enhance stability. Opt for a mix of large-cap, mid-cap, and multi-cap equity funds along with diversified debt funds.

Professional Guidance
Consult a Certified Financial Planner to tailor an investment strategy aligned with your financial goals, risk tolerance, and income requirements. They can help you optimize your portfolio for income generation while ensuring long-term wealth preservation.

Regular Review
Periodically review your investment portfolio and adjust your strategy as needed based on changes in market conditions, financial goals, and income requirements. Regular monitoring ensures that your portfolio remains on track to meet your financial objectives.

Conclusion
By adopting a balanced approach to asset allocation and leveraging various investment avenues, you can effectively generate a monthly income of 35k from your corpus fund while safeguarding its long-term growth potential. Seeking professional guidance and regularly reviewing your portfolio are key to achieving financial security and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 08, 2024Hindi
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Money
I'm a 25 year corporate guy, having a plan to invest 15000 around for SIP. Shy recommendations or guidance will be appreciated.
Ans: Embarking on your investment journey at 25 is commendable and lays a strong foundation for long-term wealth creation. Let's explore suitable mutual fund options for your SIP investment of Rs 15,000 per month, considering your age, risk appetite, and financial goals.

Investment Horizon
As a young investor with a long investment horizon, you have the advantage of harnessing the power of compounding over time. This enables you to adopt a more aggressive investment approach focused on growth-oriented assets like equities.

Risk Tolerance
Given your age and presumably stable income from your corporate job, you may have a higher risk tolerance. This allows for the inclusion of equity funds in your portfolio, which have the potential to deliver higher returns over the long term, albeit with increased volatility.

Portfolio Allocation
Diversified Equity Funds: Allocate a significant portion of your SIP amount to diversified equity funds, which invest across various sectors and market capitalizations. These funds provide broad exposure to the equity market and help spread risk.

Mid-cap and Small-cap Funds: Given your long investment horizon, consider allocating a portion of your SIP to mid-cap and small-cap funds. These funds have the potential to deliver superior returns over time, although they may exhibit higher volatility.

Balanced Funds: To balance risk and return, include balanced funds in your portfolio. These funds invest in a mix of equities and debt instruments, offering stability while capitalizing on growth opportunities.

SIP Strategy
Implementing a systematic investment plan allows you to invest consistently over time, regardless of market fluctuations. This disciplined approach not only instills financial discipline but also enables you to benefit from rupee cost averaging.

Regular Monitoring and Review
Periodically review your portfolio's performance and make necessary adjustments based on changes in your financial goals, risk tolerance, and market conditions. Consulting a Certified Financial Planner can provide valuable insights and guidance in optimizing your portfolio.

Conclusion
Starting your investment journey at 25 positions you favorably to capitalize on long-term wealth creation opportunities. By adopting a diversified portfolio approach and leveraging the benefits of SIPs, you can lay a solid foundation for achieving your financial goals and securing your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 06, 2024Hindi
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Money
I subscribe monthly for gpf as i am a govt employee. Can i invest in NPS
Ans: Yes, you can definitely invest in NPS even if you are a government employee subscribing to GPF (General Provident Fund). Here's why:

Separate Schemes: NPS and GPF are separate government-backed savings schemes with different features.
GPF: Primarily for government employees, offers guaranteed returns and is deducted from your salary.
NPS: Open to all Indian citizens (including government employees), offers market-linked returns and flexibility in investment choices.
Benefits of NPS for Government Employees:

Additional Retirement Savings: NPS allows you to build a separate retirement corpus beyond GPF benefits.
Tax Benefits: Contributions to NPS qualify for tax deductions under Section 80CCD (up to 10% of salary) and additional deductions under Section 80CCD (1) (up to Rs. 50,000).
Things to Consider:

Investment Horizon: NPS has a lock-in period until retirement (with some exceptions). Ensure it aligns with your financial goals.
Risk Profile: NPS invests in market-linked instruments, so returns can fluctuate. Consider your risk tolerance.
Next Steps:

Research NPS: Explore different NPS options and investment strategies.
Choose a Plan: Select a Tier-I NPS account from a Pension Fund Manager (PFM).
Consulting a Financial Advisor (Especially a CFP) can be helpful. They can:

Assess your Needs: Understand your retirement goals and risk tolerance.
Recommend Strategy: Suggest an NPS investment strategy aligned with your goals.
Consider GPF: Factor in your existing GPF contributions for a holistic plan.
By combining GPF and NPS, you can potentially build a strong retirement corpus!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Money
Sir, I am earning Rs 40000/- (Rs Forty thousand only) per month And aged 51 years old I can still work till 55 years I have very good knowledge in mutual funds and specially small cap funds My portfolio is as under 1) Quatt small cap fund 2) HSBC SMALL CAP FUND 3) TATA SMALL CAP FUND sip 25000 4) NIPPON SMALL CAP FUND sip 35000 5) AXIS 50 SMALL CAP NIFTY INDEX FUND 6) HDFC 250 SMALL CAP NIFTY INDEX FUND 7) MAHINDRA MANULIFE SMALL CAP FUND All investments are direct schemes I had received money from PPF account which is in lakhs should I invest more in mutual funds ?? Mohan Satpal
Ans: Your portfolio reflects a strong inclination towards small-cap funds, indicating a higher risk appetite and a belief in the growth potential of smaller companies. Let's evaluate your current portfolio and explore whether additional investments in mutual funds are suitable given your financial circumstances.

Portfolio Analysis
Focus on Small-cap Funds: Your portfolio is heavily concentrated in small-cap funds, which are known for their high growth potential but also carry increased volatility and risk. This concentration amplifies the risk-reward dynamics of your portfolio.
Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.


Direct Scheme Investments: Opting for direct schemes indicates your confidence in making independent investment decisions. However, it also requires active monitoring and research to ensure optimal fund selection and performance.
There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Financial Situation
Monthly Income and Expenses: With a monthly income of Rs 40,000 and nearing retirement age at 55, it's essential to assess your financial stability and readiness for retirement. Consideration of future expenses and income sources is crucial in planning your investment strategy.

Lump Sum from PPF: The lump sum amount received from your PPF account presents an opportunity to bolster your investment portfolio. However, it's essential to evaluate your risk tolerance, investment horizon, and financial goals before allocating these funds.

Investment Decision
Given your age, income, and existing investment portfolio, further investments in mutual funds should be approached cautiously. Here are some considerations:

Risk Management: With retirement approaching, it's prudent to reassess your risk appetite and gradually transition to a more conservative investment approach. Consider reallocating a portion of your small-cap holdings to diversified equity or balanced funds to reduce portfolio volatility.

Diversification: While small-cap funds offer growth potential, diversifying across different market segments can help mitigate risk. Consider adding large-cap or multi-cap funds to your portfolio to achieve a balanced allocation.

Professional Advice: Consulting a Certified Financial Planner can provide personalized guidance tailored to your financial goals, risk tolerance, and retirement timeline. They can help you optimize your investment portfolio and make informed decisions.

Conclusion
As you near retirement age, it's essential to review your investment strategy to align with your financial goals and risk tolerance. While small-cap funds offer growth potential, diversification and risk management are key considerations. Consulting a Certified Financial Planner can provide valuable insights and guidance in navigating your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 06, 2024Hindi
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I want to invest in mutual funds, and buy a house in 10 years. My monthly salary is 1 lakh per month, expenses are 40K per month. Which mutual funds should I consider?
Ans: Investing in mutual funds to achieve your goal of buying a house in 10 years is a prudent decision. Considering your financial situation and objectives, let's outline a suitable portfolio strategy.

Goal-based Investing
Your goal of purchasing a house in 10 years necessitates a focused investment approach. We'll aim for a balanced portfolio that combines growth-oriented and stability-focused funds to generate wealth steadily over the long term.

Asset Allocation Strategy
Given your time horizon of 10 years, a predominantly equity-oriented portfolio is advisable to harness the potential of higher returns. We'll allocate a portion of your investable surplus to equity funds while maintaining a conservative allocation to debt funds for stability.

Mutual Fund Selection
Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable performance. They provide stability to the portfolio while offering growth potential.

Multi-cap or Flexi-cap Funds: These funds have the flexibility to invest across market capitalizations, allowing them to capitalize on opportunities across the market spectrum. They offer a balanced approach to growth and risk.

Aggressive Hybrid Funds: Combining equity and debt components, these funds provide a balanced risk-return profile, making them suitable for long-term wealth accumulation goals like yours.

Debt Funds: Including short to medium duration debt funds can provide stability to the portfolio and mitigate the volatility associated with equity investments.

Systematic Investment Plan (SIP)
Given your monthly surplus, setting up SIPs in the selected funds will enable disciplined investing while leveraging the power of rupee cost averaging.

Professional Guidance
As a Certified Financial Planner, I recommend periodically reviewing your portfolio's performance and rebalancing it as needed to stay aligned with your financial goals.

Conclusion
Constructing a diversified mutual fund portfolio tailored to your goal of buying a house in 10 years requires a balanced approach that combines equity and debt instruments. With disciplined investing and professional guidance, you can steadily build wealth and achieve your aspiration of homeownership.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Asked by Anonymous - May 06, 2024Hindi
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I am 43 years old and Started SIP in 2018. Kindly suggest about the funds. Following are my current mutual fund investments: AXIS Blue Chip fund Monthly SIP of Rs 3500 Mirae Large and Mid Cap fund Monthly SIP of Rs 2000/- Invesco India contra fund Monthly SIP of Rs 6000/- Axis Small Cap Fund Monthly SIP of Rs 5000/- Kotek flexicap fund Monthly SIP of RS 4000/- Sbi Banking & Financial Services fund Monthly SIP Rs.3500 Franklin India Prima fund monthly SIP Rs.1000.
Ans: Your current mutual fund portfolio reflects a thoughtful approach to wealth accumulation through systematic investment plans (SIPs). Let's delve into each aspect of your portfolio and assess its performance and potential.

Diversification Analysis
Your portfolio comprises a mix of large-cap, mid-cap, small-cap, and flexi-cap funds, offering diversification across market segments. This diversification mitigates risk and enhances the potential for returns.

Performance Assessment
Each fund has its unique investment strategy and objectives. Analyzing their historical performance against benchmarks and peers provides insights into their efficacy in delivering returns.

Fund Selection Rationale
Your selection of funds appears to be well-researched, considering factors such as fund manager expertise, consistency in performance, and alignment with your risk tolerance and financial goals.

Active vs. Passive Management
Your focus on actively managed funds suggests a preference for capitalizing on the expertise of fund managers to navigate market fluctuations and exploit growth opportunities. This approach contrasts with passive strategies like index funds, which lack the agility and discretion of active management.

SIP vs. Lump Sum Investment
SIPs offer the advantage of rupee cost averaging, enabling you to buy more units when prices are low and fewer when prices are high. This disciplined approach to investing smoothens market volatility and fosters long-term wealth creation.

Regular Funds vs. Direct Funds
By investing through a Certified Financial Planner, you benefit from professional guidance and portfolio monitoring. Regular funds, though they may have slightly higher expense ratios compared to direct funds, offer value through expert advice, ensuring optimal fund selection and allocation.

Future Considerations
Regularly reviewing your portfolio's performance and aligning it with evolving financial goals is crucial. Periodic rebalancing may be necessary to maintain the desired asset allocation and adapt to changing market dynamics.

Conclusion
Your mutual fund portfolio reflects a prudent approach to wealth management, characterized by diversification, active management, and systematic investment. As a Certified Financial Planner, I commend your diligence and commitment to long-term financial well-being.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2214 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

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I purchased a property in 2005 for Rs. 25000 and sold in January 2021 for Rs.4.5 lakh. The entire proceeds was deposited in Capital gain account in January, 2021 and have not used the fund for reinvestment. Now how can I pay capital gain tax
Ans: Since you purchased the property in 2005 and sold it in January 2021, you would most likely be eligible for long-term capital gains (LTCG) tax benefits in India. Here's a breakdown of how you can potentially calculate and pay the tax:

Calculating LTCG:

Cost Inflation Indexation: As you held the property for more than 20 years (2005-2021), you can benefit from indexation to adjust the purchase price for inflation. The Income Tax Department website provides a Cost Inflation Index (CII) tool to calculate this.
Indexed Cost Price: Multiply the original purchase price (Rs. 25,000) by the relevant CII factor for the year 2005. This will give you the indexed cost price.
Capital Gain: Subtract the indexed cost price from the sale price (Rs. 4.5 lakh). This will give you the LTCG amount.
Paying LTCG Tax:

Tax Rate: The current LTCG tax rate on property sales after April 1, 2017, is 20% with indexation benefit (plus applicable cess and surcharge).
Tax Payment: You can potentially pay the LTCG tax through challan (payment slip) at a designated bank or online through the Income Tax Department website.
Important Points:

Capital Gains Account Scheme (CGAS): Since you deposited the sale proceeds in the CGAS account in January 2021, you might have already availed some tax benefit (depending on the scheme rules). It's advisable to consult your tax advisor or refer to the CGAS scheme details for clarity.
Tax Filing: You'll need to file your income tax return for the year in which the property was sold (assessment year 2022-23) and declare the LTCG.
Recommendation:

Consulting a qualified tax advisor is recommended for personalized guidance on your specific situation. They can help you:

Calculate exact LTCG: Considering indexation and potential CGAS benefit.
Determine applicable tax rate: Including cess and surcharge.
File your tax return accurately: Ensuring proper LTCG declaration.
Remember, tax laws can be complex, and consulting a professional ensures you follow the correct procedure.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

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

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