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Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 06, 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 - Jun 30, 2024Hindi
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Relationship

Hi Anu. I am 32 years old. I got married to a guy through matrimonial app. He was very good before married. He used to shower me with love and respect and gifts. I loved him dearly. We got married 3 years back and I went to his house with lot of dreams in my life. But the moment I got married, I could see a lot of change in him. He no longer gave me much of his time. He was very attached to his mother and sister. He gave them money to run his house and not to me at all. I did not mind him getting things for his mother and sister but just not buying anything for me used to make me feel left out. He used to say that to me that you are a working woman. So can take care of your needs. Anu, I could take care of my needs financially....but I too needed his care and love. He went to a different city for work and refused to take me till I contribute 50% in the house. It came as a shock to me. Where was the love that he once showed me before marriage? For everything he wanted contribution from me. Slowly slowly we drifted apart. I found the marriage to be like going 50 -50 for everything. And this year we divorced each other. I was heart broken. I still remember the good days we spent together before marriage. It hurts me a lot when I remember how he changed after marriage. Now my parents want me to look after someone to get married. But somehow, I have lost trust in men. What should I do?

Ans: Dear Anonymous,
It has not been an easy time for you.
But do remember that every challenging time only makes a person stronger. This is not a pep talk but a fact. Now, you are equipped with knowledge on what you seek in a relationship and what is absolutely not okay in a partner.
Now, I don't say that everyone needs to go through all this to learn BUT you have been in it, so better to look at the brighter side.
So, why would it scare you?
All men are not the way you ex was...He came in as a showpiece with all the glitter and then showed his true damaged traits. We don't need to go over that as that chapter is closed.
It's a fact that you must heal from that first before you get into another relationship as the baggage from it will weigh you down. And every small argument in a new relationship will seem like the end of the world. Also, you will be on the edge to make it work at all costs.
So, first heal from it all...through that, you must also be willing to drive a new thought into you which is: Not all men come in the tones which my ex had. They can be be different and I am willing to give my new life a chance.
This will be a useful path to embark on. If this seems daunting, then do visit an expert who can help you heal and guide you into a new phase of life. But let that new phase be something that you decide for yourself whenever you feel ready. Till then explore the world, expand your social circle and gain your lost self back first. Things will fall in place...one step at a time!

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  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

Relationship
Hello Anu ma’am, I’m 30 years old female, working at an IT firm. I have been married for a year now. The marriage with my husband was arranged by our family members. I met him 2 months before we got married. We talked more during that period and the conversations were always pleasant and I felt care in them and finally made the decision that he is my match. Once we got married, things were good-to-okay in the first few months. I used to live with my in-laws and slowly noticed that he is moving away little by little. My connection with him started to feel weak. He and his mother would stop talking when I entered the room. I had to help more with house chores. I tried quite a lot to keep up with in-laws, husband, and work but soon sensed that mother in law and son have teamed up against me and everything I did was never satisfactory. The first thing that came up to my mind was to move out of the house with my husband and to start our relationship afresh. He didn’t like the idea and for my work reasons, I moved out and to the city where I work (which is a 3-hour drive from where he lives). This made the connection even worse. I used to go see him once or twice in a month but the relationship felt strained so I moved back within 3 months. Around this time he downloaded some dating apps on his mobile. When I asked him about it he said he downloaded out of curiosity and didn’t use it, but I can feel the change in him. Within 2 months I started to realise he’s being secretive with his phone or iPad and is spending a lot of time with them either texting or calls. I also noticed that he is talking to someone during the night while he is sleeping next to me. I felt betrayed and shattered to my core. All the things I learnt for him, all the things that I have done for him and his family, all the time and energy I have spent felt useless. When I confronted him he never accepted it and says it’s all in my head. I gave him some time leaving it aside thinking he would bounce back once he is done with it. So I asked him to move in with me so we could bond and spend time alone. We moved in together finally but things didn’t go as I expected. When I leave for work he would either go meet the woman or worse bring her home. He continued it and I ran out of patience. I talked about it with my family and his. My family supports my decision with whatever I would want to do and his family would back him up saying that they have brought their son up my utmost values and he wouldn’t do such a thing. So finally they have sent us back to our homes hoping things will be fine. He still talks to the woman every night and God knows how many times I cannot make it out in the day time. I’m sorry it’s a long read for you but I wasn’t sure what to express and what not to, for you to help me with a suggestion.I have tried to catch his act using technology but he is too clever to be caught. Trust me, I’m a tech lead at an IT firm and I have tried a lot of methods to catch him but all of them are valid-invalid proofs and he is quite a story teller to make them all look null.I feel nothing inside most of the times and simply want to come out of this but not without showing his true form. For once, I want to win. Win huge this way. If you can help me out I will be grateful for that. Please keep me anonymous if you could.Thanks a lot for reading this.
Ans:

Dear TK,

Thank you for sharing so clearly; it certainly helps me guide in the best possible manner.

If you feel that he is infidel, the there is no necessity to go around looking for proof.

What will proving that give you?

Even if you showed it all to his parents what is the guarantee that they will not turn it around and blame you for it?

That you should not have moved out and that’s why he needed the comfort of other women.

Quit focusing on proving his infidelity and focus on more what you want at this point in time.

Do you want to continue in this marriage?

If NO, exit in the most graceful manner because the stress from all the pulling down or Win that you are looking for is strenuous and of no use. It will only appease your EGO which anyway is short-lived.

But of course, if you are in the process of negotiating terms during divorce proceedings; this proof maybe valuable to have a better WIN. I hope I have succeeded in differentiating both types of WINs so you get a clearer picture.

Now coming to how you must deal with your mind space is as simple as listing down what is important to you.

Is it dwelling on what he does or emphasizing more on what you can do?

When it’s the latter, you will think and act in a manner that looks out for you and how you can keep yourself in an optimum mind space.

So, start focusing on what makes you happy and stick to that.

When you are ready to move on, make it graceful and if there seems to be a problem with negotiation, the proof that you have collected with a sane sense of mind will come in handy.

I assume that there are no children involved but if there are, take into consideration how they will cope with any decision of yours.

Bottom Line: Learn to live your life and focus on what’s important. I am confident that you can do this NOW.

All the best for a beautiful mind space!

..Read more

Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Relationship
Hi Anu, Nice to contact you. I came across many of your conversations online and I would like to share my life situation. If you could help in any way it would be a great support. I am married since 4 and half years now but we have stayed together only for 1 and half years. Rest of it was purely long-distance relationship. It was an arranged marriage and I entered it with great hope and dreams. I still believe I have had only bare minimum expectations from my partner as that of any young woman. After the marriage got fixed I had to leave my job and stay at my hometown. He works in a distant state. We were all hoping that after marriage, I’d go and live with him so will search for a job later. Even during prewedding discussions the talk was that he will shift to a new home before marriage and after marriage he will take me along with him. But two weeks after our wedding he left to work leaving me at his home with his parents in our hometown. He didn’t explain or give any reasons. It broke me. Those 2 weeks were wonderful and the best time of our marriage life. He came after 2 months, rented a new house and took me with him. It was good although small and silly arguments would happen. He loved me and I stayed there for a month. We returned to hometown after a month. He left me there and returned to work in 1 week’s time. I stayed with his parents (in between his mother met with an accident and I stayed with her for like 2 months). He took me back to his place for 3 months. When financial circumstances got bad, he changed. He stopped expressing love in any form other than getting me variety of food items. There was no romance, small talks or travelling outside. He sent me back to my parents’ place for 7 months. It made me really mad and we started to fight over the phone making us more distant. He was facing financial crisis, I wanted to be supportive but he never shared his feelings or plans with me. I never felt involved. Without a job I went into depression. To sort things, I stayed with him for 9 months looking for a job. He never showed any interest. I stayed at home for all those months feeling depressive and insecure. There was no romance, emotional or physical.He is perfect in his words and promises but never in his actions. I believed and waited for 3 years. Then my in laws suggested a job but it was at my native place. As it suited my educational qualifications I showed interest and he said okay. I applied and got the job. Since then I have not visited him at his work place. It’s been 2 years now and I stay with his parents. Due to covid he didn’t come for home for a 1 and half. A few months ago he came and stayed for a week. When people see us it’s 4 and 1/2 years of marriage but for us it’s not. Since we don’t have kids people are suspecting a lot. I don’t blame them.Clearly not everything is alright.My husband is a lovely person and he cares so much but I feel he is controlling me. May be because of his lack of emotional availability. But many things have bothered me a lot since our wedding.My husband and I have never visited or travelled a place alone, ever. We never had a honeymoon.My husband has never introduced me to any of his friends.I know nothing of him through a third person, all I know is what he has told me.These days he hardly calls me. I tend to get more frustrated and cry sometimes by sharing my feelings with him if he called very late at night. So he stopped calling me. When I asked he replied “when I call at night you are complaining, fighting and crying so I don’t call” He is running away from situations. I replied to him “you know that I will cry and there is a reason for that. Instead to solving the situation and not to make me cry, you would rather prefer not to call”. He said “Yes”. So he refrains from anything that upsets him. Long time ago due to some misunderstandings I refused to be physically romantic with him and he did the same to me for months and years which is also why we don’t have kids. But I cant explain or share this with anyone. I doubt about my future as I am scared that I will never be blessed with a life with shared love and romance.I miss myself being in love and happy.I miss my own very smile.I don’t put all the blame on him because I know am not perfect. But am not that evil to be punished like this in my life. I do deserve some happiness. He hasn’t abused me but absence of abuse doesn’t mean a healthy relationship. I have always felt lonely. Rather than love I have felt more judged for my actions and thoughts.There is not a single day in life where I do not think about leaving this relationship but it has become very difficult to picture a happy healthy future with him.It has become hard to have a simple conversation with him now.I hope for a healthy relationship in which my partner and I could be vulnerable to one and other.Am I expecting too much from him? Is it that am not good enough for him?Will this too pass? I am worried.I would like to stay anonymous.
Ans:

Dear Anonymous,

These are your words that stood out for me.

‘I miss myself being in love and happy.

'I miss my own very smile.'

So, who is stopping you from these? Be in love, be happy, smile when you want.

You have tied these things to your marriage and have hoped that putting things together will bring a smile back on your face. As much as it’s true, it won’t be long lasting.

Now let’s focus on your marriage. What is this ‘being sent here, sent back there’?

What are you, some parcel/courier package to be sent here and there at will?

The first time that you felt that this being sent here and there was NOT OKAY, that would have been the time to voice it out.

Situations of a husband and wife being physically apart can come in anytime during a marriage. But this has to be handled with a lot of love and communication and not keeping silent and controlling it his way.

What has caused your hurt is the fact of non-communication from him, inability to validate your feelings, making you feel guilty for expressing your feelings and his unwillingness to work on this?

Request a person known to both of you to mediate to set up a meeting if both of you want to be in this marriage and live in peace and harmony. If you don’t step up now, things will be emotionally draining.

Also, as a woman, you don’t have to feel guilty for saying that something is not alright and that you want things to be different. You do not have to mask it with a statement that ‘he is a good man’ etc.

Be honest to yourself about what you feel and what you want. It helps putting things into perspective faster. STEP UP NOW and SPEAK.

Do that favour onto yourself please and also expect things to go the other way especially if he does not want to mutually set things right.

No matter what, know that strength from within is what will help you sort things for the better.

Be strong and value yourself. All the best!

..Read more

Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 08, 2024

Asked by Anonymous - Jul 05, 2024Hindi
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Relationship
Hi, I'm a 47 year old woman working as an engineer in a corporate. I fell in love with my classmate when I was doing my engineering. He too loved me and we wanted to get married. But his father declined our marriage proposal since I did not belong to their caste. Since his parents disagreed, he did not want to go ahead with this marriage. So, we decided to leave the matter for now but continued to meet eaach other regularly and talk. A few months later, his parents forced him to get married to a close family acquaintance. Being the only child, my mom also forced me to get married to an alliance she had found suitable and i too got married. Even after marriage, I couldn't forget my boyfriend and so we would meet regularly after office and diacuss everything under the sun including our marital lives. I was never happy with my marriage and never had a child. He also seemed unhappy with his marriage but had a daughter with his wife. My husband passed away in a road accident after 3 years of marriage. I started feeling insecure and so forcedmy boyfriend to marry me. He declined to marry me due to societal pressure but was very keen to have a physical relationship. I also agreed and got pregnant with his child. When our son was 6 months old, he helped me find a rented home close to his home so that he could meet me to fulfil his physical desires. Now that my son is 10 years old and beginning to understand things, he keeps asking why his fathee doesnt stay with us and visits us only occasionally. He has never celebrated our sons birthday or taken us put anywhere. I have remained his mistress and so feel very insecure and neglected in this relationship. I also find it very difficult to lead a life like this. When i discuss this with my boyfriend, he says he cannot leave his wife and daughter for our sake (he seems to have a soft corner for them). We have had serious fights about this, and i have even told him to stay away from our lives. But he continues to come to me whenever he wants a physical relation and i succumb to the situation. Now, i feel used and want to cut off this relationship. As my son grows old and gets to know of all these things, i am afraid what he will think of me. I dont want to be looked down by my son. I have a good job, i am financially independent and have bought an apartment as well. I am confident that i can take good care of my son and lead a decent life. Please suggest what i should do?
Ans: Dear Anonymous,
Why exactly are you living off the scraps of this guy? (In terms of love)
He clearly has sent a message that there's no family with you and your son. So, when he comes over just for sex, how does that make you feel? The reason that you writing to me is perhaps that you feel disrespected with his behavior.

You are financially independent and have the freedom to raise you son out of this confusing environment. Why would you not do that and actually free yourself from this unsettled feeling? If you are looking for love, care and affection from this man, let me draw this out for you...he is clear that he is not going to leave his family and hey, why would he? His wife has not been a party to all of this.

With all the complications of having a relationship on the side, you brought a child into this world out of wedlock (that's still not the issue), the issue is that you are still hanging onto him and the scraps he throws at you in the form of intimacy. Do not mistake sex for love...Sex stems from Love and not the other way round. So, if you feel that someday he's going to crawl back to you if you keep the sex going, I highly doubt that. Plus, again that would be unfair to his wife as well.

Now, why would you not give yourself a chance to move away from this and actually pursue a healthy relationship (when you feel that you are ready)? And that can happen only when you actually decide that you value yourself and respect for you is non-negotiable. Would you be willing to do that?

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

Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2024

Asked by Anonymous - Jul 20, 2024Hindi
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Relationship
Hi, I got married in December 2012. Love marriage, we met in the office. I clearly told him that if I get married I would need to give one years salary to my dad as he has loan installments to pay and also told him my dad would do good wedding arrangements however no dowry should be asked. When his parents came to see me for the first time they came all prepared to finalize the relationship however we weren't aware. Me and my parents thought they are just coming to see me and the family. But when they started off with basic rituals that is when we were stunned but then went along. His father asked dowry from my dad and he was speechless but when I denied my father spoke to them and said he will bear all their expenses too but won't be able to give dowry. When I confronted my husband he said he wasn't aware that his dad will ask for dowry. We got married and when we visited his hometown his father confessed that he was not aware that me and my husband had discussed no dowry part otherwise he would not have asked my father. I was infuriated but I let it go. Soon after an year my salary started coming in and he would tranfer it in his account. I did not pay attention to it. Soon all the money was in his control. There came a situation in my family, my sister's wedding was called off by groom's end three days before the wedding and it was a shock. My husband asked us to write a letter stating all about the situation so that it can be submitted to the police. My husband kept a copy of that letter with him. During the lockdown my father asked for some monetary help from me but my husband denied to help him, and I started hating him to my core. Soon my mother in law moved in with us when my father in law expired. Since then our relationship sucked. She would always manipulate his son. I got so furious I started putting sugar in my husband's milk as he is diabetic and then later confessed it to him. Now he is threatening me of releasing that letter to my sister's husband and also has kept all the money in his control. He says he will make me feel sorry for what I did and also we are just living in my home but we have no relation and he does not talk to me. I don't want this relationship to flourish anyways but I need to know what can I do if I can get half of the assets. Please suggest what I can do.
Ans: Dear Anonymous,
Since you have decided not to stay within the marriage, the best recourse would be to seek legal advice and move ahead. He/She will advice you on assets split, custody etc.

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

Kanchan

Kanchan Rai  |649 Answers  |Ask -

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

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Relationship
My husband left me physically 5 years back and mentally many years back. He is not interested in emotional connection. His only interest with me was unnatural sex which after years I started denying it and he left me. I have two kids, a daughter and a son. Though my kids staying with me, for their education and other needs, they are always supportive to their father and never give any emotional support to me. He has taken the educational fee of both the children, other day to day expenses are taken by myself. My daughter never wants both of us to live together and always shows arrogance to me. She is 24 years now. She moved away recently to abroad for studying, keeping the house where we stay on loan. My son also wish to do higher studies staying in hostel. He is 18 years now. My parents are not supportive to me. I had a very abused and tortured childhood. My husband and children knew about it. I was rank holder in my school but still I could not pursue my dream profession due to domestic violence. I had just completed a useless bachelors degree before marriage. I struggled a lot to study after marriage and did small jobs at different companies. I get up at 4am and start my work till late night. I tried to be perfect in everything what I do. But I have low confidence and self esteem. I could not reach anywhere. I know how to study to get good score, so I helped my kids in their studies. They did well but after that they dumped me. My husband was also a lazy person initially, wasted all his money, never know savings. He was a 12th failure but a good artist and a good chain smoker who earned a lot of money through freelance. With constant push he started investing and bought a house. He has some investments, so now he is not working and left me and living alone. I don't know if he has someone else with him. He also dumped me. I am sad and feeling useless. I am not able to help my self. I have mood swings, not able to concentrate in anything. I want to look for a new job but I find myself incapable and doing nothing. I don't think anyone can help me, because everyone indicating its all my fault, or at least I think so. I have to start a job immediately but I am feeling helpless. please help
Ans: Dear Leena,
The weight of rejection from your husband and the lack of emotional support from your children are wounds that take time to heal. It’s okay to feel overwhelmed and lost right now. What’s important is recognizing that these feelings don’t define who you are or your worth. Your struggles do not negate the fact that you are capable, intelligent, and deserving of happiness and fulfillment.

You have already shown that you are resourceful and capable by managing the household, guiding your children in their education, and supporting them financially. While you may feel stuck and unsure of where to begin, it’s crucial to start small and focus on one step at a time. This could mean reaching out for help from a therapist or counselor who can guide you through rebuilding your self-esteem and addressing the emotional pain you’ve carried for so long. A professional can provide a safe space to unpack the hurt and help you rediscover your confidence.

When it comes to finding a job, it’s natural to feel insecure, especially after years of self-doubt. Remember that every small effort counts. Consider looking for roles where your skills—like organization, perseverance, and the ability to mentor and teach—can be valuable. You helped your children excel in their studies, and that’s no small feat. Perhaps tutoring, administrative work, or even roles that involve mentoring could be a starting point. Allow yourself to take it one step at a time without the pressure of achieving perfection right away.

It’s also important to create space for self-compassion. You’ve been so focused on meeting everyone else’s needs that it’s easy to lose sight of your own. Even small acts of kindness toward yourself, like a daily walk, journaling your thoughts, or listening to music, can help you reconnect with yourself. You deserve to feel loved and valued, even if that love starts from within.

This period of transition may feel lonely, but it can also be an opportunity to redefine what you want for yourself. It’s not too late to pursue a path that brings you fulfillment and peace. Remember, your worth is not determined by others’ opinions or actions but by the strength and kindness you continue to show despite everything. You’re not alone, and it’s okay to reach out for help as you begin this new chapter of your life.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Money
I am investing in UTI flexi cap fund since2021 @3000INR/month. Now the accumulated amount is 2,09,000/- . the yield is only 6%. Please advise if i have to switch fund? .if so, please advise fund
Ans: Appreciate you for continuing your SIP with discipline since 2021. Staying invested for more than three years itself shows commitment and patience, which are very important for long-term wealth creation.

» Understanding the Current Return Experience
– A 6% return over this period can feel disappointing, especially when expectations from equity are higher
– Equity-oriented funds do not move in a straight line; different market phases impact returns differently
– The last few years included sharp rallies, corrections, and sector rotations, which affected diversified strategies unevenly
– Short- to medium-term returns alone should not be the only reason for an immediate decision

» Time Horizon vs Fund Behaviour
– Such funds are designed to perform well over a full market cycle, usually 7 years or more
– Performance between 3 to 4 years can remain muted even if the long-term potential is intact
– Your SIP amount is modest, which means consistency and time will play a bigger role than switching frequently

» Should You Switch Based Only on 6% Return
– Switching only because of recent low returns may lock in underperformance
– It is important to check whether the fund still follows its stated strategy and risk control
– If the fund has become inconsistent, or your overall portfolio lacks balance, then a change can be considered
– Any switch should be part of a broader portfolio improvement, not an isolated action

» Portfolio-Level Assessment Is More Important
– One fund should not be judged in isolation
– A 360-degree view should include:

Overall equity exposure

Allocation between growth-oriented and stability-oriented strategies

Your age, income stability, and future goals
– If your portfolio is dependent on only one equity style, returns may appear slow during certain phases

» What to Do Going Forward
– Instead of fully stopping, you may:

Continue the existing SIP for long-term compounding

Gradually add another actively managed equity strategy with a different approach
– Actively managed funds offer flexibility to shift sectors and reduce downside risk, which is not possible in index-based options
– Active management helps manage volatility better during uncertain markets

» Tax and Cost Awareness
– Any switch in equity funds may trigger capital gains tax
– If held for more than one year, gains above Rs 1.25 lakh are taxed at 12.5%
– Short-term exits attract 20% tax, which can reduce effective returns
– Hence, switching should be value-driven, not emotion-driven

» Finally
– Your investment journey is still on track, and this phase does not define long-term success
– With the right diversification, patience, and periodic review, equity investing rewards discipline
– A structured review with a Certified Financial Planner can help align your SIPs with goals and market realities
– Focus on process, not just recent performance

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Asked by Anonymous - Feb 04, 2026Hindi
Money
Dear Sir, I am a medico currently working overseas. My present income is relatively high, but I expect my earnings to reduce over the next 1–2 years due to career transitions and further examinations. Also, I may be starting a family of my own in the near future. I have recently started investing and would like your opinion on whether my overall strategy is sound and how I should prepare for lower-income years ahead. Current situation (approximate): Monthly investment capacity: ₹3 lakh (at present) Expected future investment capacity: ₹1-1.25 lakh per month Existing expenditure: No debts at present, ~approx 1 lakh per month to support parents, 1.5 L per year in their insurance, 50-55k per month on rent, food, and miscellaneous Emergency fund: being built separately, started SBI life during my postgrad years and invested 7.5 L over 5 years, and expected to mature by 2028. Current investment approach: Equity-oriented mutual funds via SIP and lump sum Allocation across flexi-cap, multi-cap, large & mid-cap, mid-cap, small-cap funds Small allocation to liquid funds for short-term needs Investment horizon: long term (10+ years) Fund Allocation % Share Parag Parikh Flexi Cap ₹75,000 25% Kotak Multicap Fund ₹60,000 20% Kotak Large & Mid Cap ₹60,000 20% Axis Midcap ₹45,000 15% Axis Small Cap ₹30,000 10% ICICI Liquid Fund ₹30,000 10% My primary goals are: Long-term wealth creation Financial stability during periods of reduced income Maintaining flexibility for career-related expenses and exams I would be grateful for your views on: Whether this equity-heavy approach is appropriate given future income uncertainty How I should gradually adjust asset allocation as income reduces Any mistakes you commonly see investors like me make at this stage Thank you for your time and guidance.
Ans: Appreciate the clarity with which you have shared your income pattern, responsibilities, and future plans. Starting early, investing seriously, and thinking ahead about income reduction already puts you in a strong position.

» Overall View of Your Current Strategy
– Your present high savings rate is a big advantage and should be used wisely
– Long-term orientation of more than 10 years suits equity-oriented investing
– Supporting parents, planning exams, and future family needs show mature financial thinking
– Your strategy is growth-focused, but it needs better protection for the income transition phase

» Suitability of an Equity-Heavy Approach
– High equity exposure is suitable when income is strong and stable
– Future income uncertainty means volatility tolerance may reduce emotionally, even if risk capacity is high
– Equity-heavy portfolios can show sharp short-term falls, which may be stressful during exam or career pressure periods
– The approach is directionally right, but timing and balance need fine-tuning

» Managing the Next 1–2 Years of Income Reduction
– Use the current high-income phase to build strong safety layers
– Increase allocation to low-volatility and short-term holding options meant only for stability
– Create a clear separation between:

Long-term wealth money (do not touch)

Career transition and exam-related money (capital protection focus)
– As income reduces, SIP amounts can be lowered without stopping investments fully

» Asset Allocation Adjustments Over Time
– Gradually reduce exposure to higher volatility segments as income visibility reduces
– Maintain core equity exposure for long-term goals, but avoid over-dependence on aggressive segments
– Avoid frequent switching based on short-term market movement
– Asset allocation discipline matters more than chasing higher returns

» Liquidity and Flexibility Planning
– Ensure emergency and opportunity money is fully ready before income reduces
– Liquid and low-risk options should cover at least all non-negotiable expenses
– This gives confidence to stay invested in equity during market corrections
– Flexibility reduces the risk of forced withdrawals at the wrong time

» Insurance and Protection Review
– Review the existing investment-cum-insurance policy started during postgraduation
– Such policies are usually low on returns and high on cost
– If surrender conditions are reasonable, consider exiting and redirecting money into more efficient options
– Keep pure insurance and investments separate for better clarity and control

» Common Mistakes Seen at This Stage
– Investing aggressively without enough liquidity buffer
– Reducing investments fully instead of adjusting amounts during income dips
– Overexposure to similar equity styles leading to hidden concentration risk
– Ignoring future life changes like marriage, children, and relocation costs

» Tax and Exit Awareness
– Equity fund exits within one year attract 20% tax on gains
– Long-term equity gains above Rs 1.25 lakh are taxed at 12.5%
– This makes planned withdrawals and phased rebalancing more efficient than sudden exits

» Finally
– Your financial foundation is strong and well thought out
– With better balance between growth and stability, you can manage income changes smoothly
– Focus on structure, liquidity, and discipline rather than only return numbers
– A periodic review with a Certified Financial Planner will help you stay aligned as life evolves

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Asked by Anonymous - Feb 03, 2026Hindi
Money
Hi Sir, I'm 38 years old. Currently doing an SIP of 55000 in these funds in 2 separate portfolios (mine and wife's). My risk profile is moderate to high. I'm targeting to keep investing for next 9 years. Currently my mutual fund portfolio corpus is 24 lac. Target corpus is 1.75 Cr to 2 Cr in 2035. Is this achievable? Do I need any step-ups yearly? Portfolio 1: parag parikh flexicap - 12000 hdfc mid cap - 5500 mirae asset large & mid cap - 8000 sbi gold fund - 5000 sbi multi asset fund - 5500 Portfolio 2: invesco midcap - 5500 ICICI multi asset allocation - 2000 hdfc flexicap - 4500 icici pru nasdaq 100 - 6000 axis silver FOF - 1000 Please review and suggest any changes needed.
Ans: You have done very well to start early, invest regularly, and build a sizeable corpus of around Rs.24 lakh by age 38. Investing as a couple, keeping a long-term view, and accepting moderate-to-high risk clearly show discipline and maturity. This itself puts you ahead of many investors.

» Target Feasibility and Time Horizon
– A 9-year horizon is reasonably good for equity-oriented investing, especially when SIP amount is strong and discipline is visible.
– With a monthly SIP of around Rs.55,000 and an existing corpus already in place, the target range of Rs.1.75 Cr to Rs.2 Cr by 2035 is achievable, but it will not happen by default.
– Market returns will not be even every year. Some years will test patience. Staying invested matters more than timing.
– To improve certainty and reduce pressure in later years, annual step-up is strongly advisable.

» Need for SIP Step-Up
– Without increasing SIP, the gap between effort and target may widen, especially if markets give average returns.
– A yearly step-up of even 8% to 10% can make a big difference over 9 years.
– Step-up should ideally match salary growth, bonuses, or business income rise.
– This keeps lifestyle stable while wealth grows silently in the background.

» Portfolio Structure Assessment
– Overall, your asset mix shows good balance across growth-oriented equity, stability-oriented allocation, and some global exposure.
– Splitting investments between spouses is sensible for long-term planning and tax efficiency.
– Exposure to mid-sized companies adds growth, but it also adds volatility. Your risk profile supports this, but allocation must be controlled.
– Flexibility-oriented funds give stability during market cycles and help reduce sharp drawdowns.
– Multi-asset exposure helps in volatile phases, but too many similar allocations can reduce clarity.

» Observations on Equity Allocation
– There is overlap in categories across both portfolios, especially in flexi and mid-cap styles.
– Too many funds in similar categories do not always improve returns; they often dilute conviction.
– A slightly more streamlined structure can improve monitoring and discipline.
– Growth funds should remain the core, but risk concentration must be watched as the goal year approaches.

» Gold, Silver, and Overseas Exposure
– Limited allocation to precious metals is fine as a stabiliser, not as a return driver.
– Keeping this allocation capped avoids drag on long-term growth.
– Overseas equity exposure adds diversification and currency hedge, but it should not dominate the portfolio.
– Periodic review is important as regulations and valuations change.

» What Changes Can Be Considered
– Reduce duplication across similar equity styles between both portfolios.
– Keep one clear growth-oriented core and one stability-oriented support structure.
– Gradually increase allocation to relatively stable equity styles after age 42–43 to protect accumulated corpus.
– Ensure each fund has a clear role; if the role is unclear, the fund may not be needed.

» Risk Management and Goal Alignment
– As the corpus grows, protecting gains becomes as important as chasing returns.
– Around the last 3 years, volatility management should take priority over aggressive growth.
– Periodic rebalancing is essential, especially after sharp market rallies.
– Emergency fund, health cover, and term protection should be adequate so investments are never disturbed mid-way.

» Tax Awareness While Investing
– Equity mutual fund gains held long term are taxed only beyond the exempt threshold, which supports long-term discipline.
– Short-term exits are costly from a tax point of view and should be avoided unless absolutely necessary.
– Asset allocation discipline reduces unnecessary churn and tax leakage.

» Finally
– Your goal is realistic, your discipline is strong, and your starting point is solid.
– Annual SIP step-up is not optional; it is the key enabler for reaching the upper end of your target.
– Simplification, role clarity of funds, and periodic review will improve outcomes without increasing stress.
– Staying invested with patience will matter more than reacting to short-term market noise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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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