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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 18, 2023

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 - Nov 25, 2023Hindi
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Relationship

Hi Anu! I am a 36 yrs old guy married for 5 years now and we have a 2 yrs old daughter also. My wife has serious mood swings issue. When she is happy, she keeps everyone at house very happy with her jolly nature but when she gets upset, she cribs about being alone rather than having a marital setup and even threatens to leave me. This keeps me distressed and everyone at home has to daily judge her mood and act accordingly which is frustating for them also. I believe she is genuinly a good hearted person and love her too but I always remain in doubt that she will leave me one day and that thought keeps me distressed. Please guide me how to cope up with this.

Ans: Dear Anonymous,
It is heartwarming to know that you have observed something that might be going on with your wife and want to sort this out and help her.
Many women get into a space after a few years of marriage and motherhood where they don't feel satisfied with what they are doing, This may not have anything to do with you. It maybe just be the monotony and exhaustion of being at home and managing the child.
To infuse some energy into that monotony:
- Find someone who can stay with the child for an hour or two everyday (preferably a family member) so that your wife can step out for her Me-Time
- Try and give a break over the weekend where she can go out with her circle of friends
- Encourage her to take up some online learning course that gives her a sense of confidence
- Spend some quality time with her and go out on 'dates'

These are just suggestions that may work if the problem that she has is one of boredom of being at home. So employ these suggestions and if the challenge still exists, then you might have to look deeper.
I hope you understand that this has nothing to do with you and there is no point thinking that she might leave you. By harboring these thoughts, you are unnecessarily adding a dimension that may not exist and it will not help you help your wife.

Her threatening to leave you could simply be her way of asking for your attention and care. So, extend that even more...

All the best!

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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2021

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Relationship
Dear madam, it’s about my daughter. She is 22, completed Msc (economics) in IIT-Kharagpur and will join job in July at Gurugram. She 2nd of two kids, son being the 1st, also an IITian, now in the US She is with us since March 2020, the longest period after 7 years. She has average intelligence and follows her brother. We never exerted any pressure but always supported her. She strives very hard to reach her goals. In that process she always experiences very tense moments. She shares all in detail with her mother (some very silly). My wife always listens patiently and extends all the required support. She also excelled in cultural activities at IIT -- was cast in a lead role in a short film which stood first in the IIT meet. She was affected by corona during which she did internship with Nomura. She cleared CFA level 1 in Dec 20 and is continuing her last semester from home. She is very much attached to the family and always insists that we live with her. At the same time, she is lazy and never inclined to share any work at home. She was and is busy with her studies then and internship now. She spends most of the day sleeping; working at night, chatting and hardly communicates pleasantries with me and her mother. We do discuss about general things. During conversations with her mother, she would shout and get upset with anything she dislikes. However she will be very normal with her friends. I worry silently but my wife is not able to be passive which is resulting in verbal duels frequently for silly or no reason. My concerns: 1. Her irregular timings – she wakes up at 1 pm,misses breakfast, lunch 2 pm, dinner 10 pm and sleeps sometime after 2 am. 2. She is not exercising. 3. She intervenes in our conversation (between me and my wife) and finds fault with the thinking of my wife. I routinely console my wife that all will be OK soon. But I find it difficult to convince her. Importantly I’ve become helpless and speechless whenever both of them indulge in verbal duels. All my attempts to pacify them are useless. My request to keep silence is not at all heeded. Both find fault with me for not supporting their points. Both are correct from their angles, however the issues are silly. Later both shower so much of love and I always wonder whether they even indulged in fierce battle a little while ago. My concern: How to handle the situation? How to make them silent? Any advice will be appreciated and followed.
Ans: Dear TVR, is it possible to make anyone silent, especially against their will?

Talking loudly or screaming at each other clearly indicates that there is a communication breakdown in that relationship. And silence cannot rebuild this.

There’s a lot of love and a lot of arguments between a mother and a daughter.

It is filled with care, worry, anxiety and a lot of love. They are well meaning but maybe the manner in which it is expressed may not be the best.

Your wife certainly wants to have a better level of communication with the daughter but do remember at age 22, she doesn’t need instructions but more of friendly suggestion; practically ‘A take it or leave it’ one.

But relinquishing this way of parenting and moving to a friendlier one takes a lot of mindset change as now you both are parenting a young lady and not a girl

Also, it would be worth an effort to know if all the studies that she is currently pursuing is not something that is for the outside world and to follow her brother but is something that she likes.

Professional competitive courses can sometimes rob a person of a holistic life leaving little time to have hobbies or a social life to enjoy. Is she under pressure? Does she like what she is studying?

A few study late into the night and a few wake up early. Whatever that is, she must maintain a better lifestyle and eat well. Not maintaining proper mealtimes can be reflective of stress also.

I suggest you and your wife have a chat/talk with her not to instruct her on what to do and what not to BUT making it casual like the three of you are on the same side and looking at the situation outside of you.

That will make her trust you both even more and it could possibly lead her to a better state of mind to tackle her studies and have a good personal life as well.

Wishing your family a wonderful connection.

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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 15, 2021

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I have a strange problem at my end. My wife has a different mood, in the morning she would be fine and all of a sudden without any issue from my end then too her mood gets off and she keeps quite. When I ask her she replies saying it is nothing. This annoys me a lot. I keep quiet and this goes for 2-3 days. If her mood is ok, she will talk. I do understand that if I hurt her then her mood goes off; then it's ok. But if I have not done anything then also it happens. What should I do? We fight over past events. We are not able to close the issue and come to a solution. Currently we are not talking to each other for the last 4 months. I have 2 daughters --aged 14 and 10. i am very much worried about them.
Ans: Dear M, the lockdown has been straining on many families in terms of relationship maintenance and connecting 24/7.

Even if this is not the issue, it is imperative to understand the reason for her mood ups and downs.

Since I don't have any information on her age, if she’s in her 40s, it could hormonal also. Bringing the past can simply be a manifestation of what’s going on within her.

It is possible that she is simply exhausted from all the house-work that has surely gone up for all homemakers in the past year or so.

Give her a day off every week and offer to take care of the household chores with the help of your daughters.

They are old enough to be part of this and they maybe able to reach out to their mother faster.

Also set aside some time from your schedule as a couple to talk about the day/week and plan for some activity to do together that involves just the two of you.

Marriages after a point in time reach a plateau and needs some spice and excitement.

Taking each other or each other’s needs for granted can cause a deterioration in relationships and it helps if every individual in that relationship takes the onus of doing ‘more’, thinking ‘more’, feeling ‘more’ for the other individual.

This definitely helps recreate the relationship and you get a chance to start all over again.

Best wishes for a beautiful life.

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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 29, 2021

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Dear Anu, I am married for 18 years. Have two kids, son (17) and daughter (9). My problem is that though I am in a regular job at a PSU, my wife thinks that I don't earn much. She thinks so much and get stressed which in turn gets in explosive and when it burst I cannot control myself and I get physical (manhandle) her. Due to this all fault becomes my fault and I have to apologise to her for behaviour. Apart from this she is having some kind of problem which she keeps fuming at me or anyone for that matter for anything. When I get irritated by such things she refuses that she didn't even said so. If said so, I understood it in wrong sense. I think I am having too many problems which I cannot explain here. Sometimes I think of going to psychiatrist but don't wish to go because then I will be certified as mad and thereafter all fault and problems will be due to me. If I ask her to go to psychiatrist she won't agree either. Please help how to deal such situation in this stage of life. I love her so much so there is no question of separating from her. Please feel free to ask me anything you require for giving me a response.
Ans: Dear AKB, why does money ever come into a marriage; I wonder!

Well, we do need money to keep the family running, right?

Somehow, external happenings of someone earning more can get into the marriage cropping up as comparisons.

What started as a mere seed of comparison, slowly starts to become a huge tree with fruits of poison robbing even the small successes that you might have had.

Even that seems never enough leaving you with a feeling of inadequacy.

This affects marriage compatibility and comes out as anger, sadness, violent outburst, finger pointing which is evident in your marriage.

At the same time, I am sure your wife does not really intend to hurt you with these behavioural displays.

And that’s why externalising the situation to be your fault arises and she does not want to think that her perceptions are what are causing the situation.

Either you sit her down and bring her down to facts of the matter that this is how life is going to be and this is the money is what you can bring.

If it’s still an issue and she has a hard time accepting this reality, involve an elder member from her family to communicate with her.

Show her the mirror as to how her wants are unequal to what money is coming in and how this regular chatter might be affecting the children as well.

If anyone needs professional intervention, it’s both of you going to a therapist and not a psychiatrist.

The expert can help out things into perspective where both of you can rebuild your relationship with renewed mind spaces.

Happy rebuilding!

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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 08, 2023

Asked by Anonymous - Mar 05, 2023Hindi
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Relationship
Dear Madam I am 36 years old and got married at 29. I have a 2year old daughter. My wife is highly impatient and always wants everyone to consider her as the centre of the universe. She has no interest in understanding peoples emotions and only cares for herself. Me and my family has no issues with this until my kid was born. After she is born, I had to devote much of my attention to my kid since my wife was very lackadaisical toward my baby. My whole energy was spent with my daughter who herself was a hyperactive kid but i do enjoy playing with her. But inspite of not understanding the fact that my whole energy is drained out by my kid, my wife starts blaming me that I am not taking care of her. What she wants is a silent husband who would silent approve of her whole nonsensical tantrums which of course i cant given the fact that my kid is growing up and i don't want her to take up these habits of her mothers. I have tried as much as possible to reason with her with patience but to no avail and my parents and relatives too after closely seeing my condition have also suggested a professional help in this regard. The fact is expect for people who are staying closely with us, no one can sense this attitude of her's and its quite difficult for others to believe when I am trying to tell them of this. Could you give me some help in this. How can I make her understand that I am not just a husband but I am a father , a son, a brother , a friend and more than that a human being.
Ans: Dear Anonymous,
Has you wife always been the way that you have described or has any incident given rise to this impatience and lack of reasoning?
A professional opinion may definitely be helpful in assessing what's going on and what can be done to streamline her thoughts into creating a family and a better life for herself and those around her.
Since, I don't know all the facts, I am unable to make a professional evaluation and can only work on some assumptions here.
Maybe she feels dissatisfied with being a wife and a mother and possibly wants to have a career for herself. Maybe motherhood is overwhelming for her and the responsibilities are worrying her.
Maybe she is seeking you care and attention.
Remember even a child when he/she throws a tantrum, you go deep to find the reason for it. It's never without a strong reason...So, do not dismiss what you wife might be going through. It needs to be taken care of.
In the meantime, care for yourself by making sure that you get some time off from playing the parent.
Find your ME time and indulge in your hobbies to maintain your sanity. You need to be a good kind space to be able to support your wife and child, so do what it takes to feel simple joys. So, seek professional help and NOW! Sometimes a total stranger can work wonders up...

All the best!

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Kanchan

Kanchan Rai  |189 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2023

Asked by Anonymous - Nov 25, 2023Hindi
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Relationship
Hi Kanchan! I am a 36 yrs old guy married for 5 years now and we have a 2 yrs old daughter also. My wife has serious mood swings issue. When she is happy, she keeps everyone at house very happy with her jolly nature but when she gets upset, she cribs about being alone rather than having a marital setup and even threatens to leave me. This keeps me distressed and everyone at home has to daily judge her mood and act accordingly which is frustating for them also. I believe she is genuinly a good hearted person and love her too but I always remain in doubt that she will leave me one day and that thought keeps me distressed. Please guide me how to cope up with this.
Ans: Hello there,
Dealing with a partner's mood swings can be challenging, and it's understandable that you're feeling distressed Encourage her to share her feelings and concerns, and express your own thoughts as well. Healthy communication is vital for understanding each other's perspectives Suggest the idea of seeking professional help together, such as couples therapy. A trained therapist can assist in identifying the underlying issues contributing to the mood swings and offer strategies for managing themEmphasize the importance of self-care for both of you. Encourage your wife to engage in activities that bring her joy and relaxation. Additionally, make time for your own self-care to manage stress Learn more about mood swings, potential causes, and coping mechanisms. Understanding the nature of mood swings may help you approach the situation with empathy and patience Reinforce the stability and commitment in your relationship during moments of calm. Remind each other of the positive aspects of your connection to build a sense of security Explore mindfulness or relaxation techniques together. These practices can help manage stress and enhance emotional well-being.

Best wishes

..Read more

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 29, 2024Hindi
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I am 34 and earning 1.3 lac can you please help me how to save so that i can happily retire
Ans: At 34, with a monthly income of 1.3 lakh, you have a solid foundation for planning your retirement. Here's how you can save effectively to ensure a comfortable retirement:

Assess Your Current Financial Situation:
1. Evaluate Expenses:
Start by tracking your monthly expenses to understand your spending habits and identify areas where you can potentially save.
2. Build an Emergency Fund:
Set aside a portion of your income as an emergency fund to cover unexpected expenses or financial setbacks. Aim for at least 3 to 6 months' worth of living expenses.
Create a Retirement Plan:
3. Determine Retirement Goals:
Define your retirement goals, including the age at which you want to retire and the lifestyle you envision during retirement.
4. Estimate Retirement Expenses:
Estimate your future expenses during retirement, considering factors such as healthcare costs, inflation, and leisure activities.
Implement Savings Strategies:
5. Contribute to Retirement Accounts:
Maximize contributions to retirement accounts such as Employee Provident Fund (EPF), Public Provident Fund (PPF), and Voluntary Provident Fund (VPF) to benefit from tax advantages and compound interest.
6. Invest in Equity Mutual Funds:
Consider investing in equity mutual funds for long-term growth potential. Choose funds with a proven track record and align with your risk tolerance.
7. Diversify Investment Portfolio:
Diversify your investment portfolio across asset classes such as equities, bonds, and fixed deposits to minimize risk and optimize returns.
Seek Professional Guidance:
8. Consult a Certified Financial Planner:
Work with a Certified Financial Planner to develop a customized retirement plan based on your financial goals, risk tolerance, and time horizon.
They can provide personalized advice and strategies to help you achieve your retirement objectives efficiently.
Stay Committed to Your Plan:
9. Regularly Review and Adjust:
Periodically review your retirement plan and investment portfolio to ensure they remain aligned with your goals and objectives.
Make adjustments as necessary based on changes in your financial situation, market conditions, and life circumstances.
Conclusion:
By following these steps and staying disciplined in your savings and investment approach, you can build a substantial retirement corpus and enjoy a financially secure and fulfilling retirement.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
10 Sal 4 mahine ka Mera job hai 58 year complete ho gaya hai pension bhi 58 year hone ke bad band ho gaya tha final withdrawal 19 form lagakar kiya tha reason 55 year ka de rahe hain ismein Main Kya kar sakta hun
Ans: Since you've completed 58 years of age and your job has lasted for 10 years and 4 months, it seems you're contemplating your options after ceasing your pension and completing the final withdrawal with Form 19, citing the reason as 55 years. Here's what you can consider:

Understanding Retirement Options:
1. Explore Alternative Income Sources:
Consider exploring alternative sources of income such as part-time work, freelance opportunities, or consulting services to supplement your financial resources.
Evaluate your skills and expertise to identify potential avenues for generating income during retirement.
2. Review Investment Portfolio:
Review your investment portfolio to ensure it aligns with your retirement goals and risk tolerance.
Seek guidance from a Certified Financial Planner to optimize your investment strategy and maximize returns.
3. Assess Social Security Benefits:
Determine if you are eligible for any social security benefits or government schemes that could provide additional financial support during retirement.
Consult with relevant authorities or financial experts to explore available options for accessing social security benefits.
4. Consider Delaying Retirement:
Evaluate the option of delaying your retirement to continue earning a steady income and build a larger retirement corpus.
Assess your health, lifestyle preferences, and financial obligations before making a decision to postpone retirement.
5. Seek Professional Advice:
Consult with a Certified Financial Planner to develop a comprehensive retirement plan tailored to your specific financial situation and goals.
Discuss various retirement options, investment strategies, and income sources to make informed decisions for your retirement years.
Conclusion:
As you navigate your retirement journey, it's essential to explore various income sources, review your investment portfolio, assess social security benefits, consider delaying retirement if feasible, and seek professional advice from a Certified Financial Planner. By taking proactive steps and making informed decisions, you can secure a financially stable and fulfilling retirement.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hello sir, I am just new in sip. I wanted to what will be the best way to start? Which ones to choose to get good returns in long term? My risk appetite is medium or above. Thank you
Ans: Starting Your SIP Journey: A Guide for New Investors
Welcome to the world of SIPs! Starting your SIP journey is an exciting step towards building wealth for the future. Let's explore the best way for you to begin and identify suitable investment options for achieving good returns over the long term.


Congratulations on taking the initiative to start your SIP journey! Your decision to invest in SIPs demonstrates a proactive approach towards securing your financial future.

Understanding Your Investment Goals and Risk Appetite
Investment Goals:
Define your financial goals and objectives, considering factors such as retirement planning, wealth creation, or education funding.
Establishing clear investment goals will help you select SIPs that align with your objectives.
Risk Appetite:
Assess your risk tolerance to determine your comfort level with market volatility.
Since you indicate a medium to high risk appetite, you may consider equity-oriented SIPs for potentially higher returns.
Choosing SIPs for Long-Term Growth
Equity Mutual Funds:
Equity mutual funds have historically delivered higher returns over the long term compared to other asset classes.
Consider diversified equity funds, large-cap funds, multi-cap funds, or thematic funds based on your risk appetite and investment horizon.
Balanced Funds:
Balanced funds, also known as hybrid funds, offer a mix of equity and debt investments, providing a balanced approach to risk and return.
These funds can be suitable for investors seeking moderate risk exposure with relatively stable returns.
Thematic Funds:
Thematic funds invest in specific sectors or themes, offering exposure to emerging trends or industries.
While thematic funds can potentially generate higher returns, they also carry higher risk due to concentrated exposure.
Constructing Your SIP Portfolio
Diversification:
Maintain a well-diversified SIP portfolio across different asset classes, sectors, and fund categories to reduce risk.
Avoid concentration in any single investment or sector to mitigate the impact of market fluctuations.
Regular Review and Rebalancing:
Periodically review your SIP portfolio to assess performance and ensure alignment with your financial goals.
Consider rebalancing your portfolio if necessary to maintain the desired asset allocation.
Getting Started with SIPs
Selecting SIPs:
Research and shortlist mutual funds based on their track record, fund manager expertise, investment philosophy, and risk-adjusted returns.
Consult with a Certified Financial Planner to identify SIPs that align with your financial goals and risk profile.
Systematic Investing:
Start your SIPs with an amount you are comfortable investing regularly, considering your cash flow and financial obligations.
Set up SIPs for a fixed amount at regular intervals (e.g., monthly or quarterly) to benefit from rupee cost averaging.
Conclusion: Embarking on Your SIP Journey
Starting your SIP journey requires careful consideration of your investment goals, risk appetite, and fund selection. By choosing suitable SIPs aligned with your long-term financial goals and regularly monitoring your portfolio's performance, you can lay a solid foundation for wealth creation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Money
I am 63 years old. I have invested rs 500000 in sbi dynamic fund. I have other investment in mm flexi cap fund union large and mid cap fund sbi magnum midcap fund union innovation and opportunities fund. Pl advise slow moving dynamic fund is to be continu ed.
Ans: Evaluating Your Investment Portfolio for Retirement
Congratulations on proactively planning for your retirement at 63! Let's analyze your current investment portfolio to ensure it aligns with your financial goals and risk tolerance.


Your commitment to investing at this stage of life showcases commendable financial discipline and foresight for securing your retirement.

Understanding Your Investment Portfolio
Current Investments:
SBI Dynamic Fund: Rs. 5,00,000
Other Investments: [List other funds]
Assessing the SBI Dynamic Fund
Performance Evaluation:
Review the historical performance of SBI Dynamic Fund to determine its consistency in delivering returns.
Compare its performance with benchmarks and peer funds to assess its relative strength.
Risk Analysis:
Evaluate the risk associated with SBI Dynamic Fund, considering its asset allocation strategy and volatility.
Assess your risk tolerance to ensure the fund's risk profile aligns with your investment objectives.
Considering Investment Continuation
Investment Strategy Alignment:
Determine if the investment strategy of SBI Dynamic Fund complements your retirement goals and risk appetite.
Ensure the fund's dynamic asset allocation approach suits your preference for active management.
Portfolio Diversification:
Assess the overall diversification of your investment portfolio, including exposure to different asset classes and sectors.
Ensure adequate diversification to mitigate risk and optimize returns across your investment holdings.
Making an Informed Decision
Review and Rebalancing:
Regularly review your investment portfolio to monitor performance and make adjustments as needed.
Consider rebalancing your portfolio periodically to maintain the desired asset allocation and risk exposure.
Consultation with Financial Advisor:
Seek advice from a Certified Financial Planner to gain insights tailored to your specific financial situation and retirement goals.
Discuss potential alternatives or adjustments to your investment strategy based on expert recommendations.
Conclusion: Decision-making Process
Based on the assessment of your investment portfolio, consider whether continuing with SBI Dynamic Fund aligns with your retirement objectives and risk tolerance. Consultation with a financial advisor can provide valuable guidance in making informed decisions.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
I am 50.5 yrs working in PSU. I have 3.5 Cr in PF/PPF , 1Cr in Shares/Mutual Fund/ULIP. I target 3L/month when I retire in 2033. What to do ???
Ans: Evaluating Retirement Planning Options for Long-Term Financial Security
As you approach retirement age, it's essential to reassess your financial portfolio and make strategic decisions to ensure a comfortable and secure retirement. Let's analyze your current financial situation and explore potential avenues to achieve your retirement income target.


Your proactive stance towards retirement planning reflects a commendable commitment to securing your financial future and maintaining a desirable standard of living post-retirement.

Understanding Your Financial Portfolio
Current Assets:
Provident Fund (PF) and Public Provident Fund (PPF): Rs. 3.5 Crores
Shares, Mutual Funds, and ULIPs: Rs. 1 Crore
Retirement Income Target:
Monthly Income Target: Rs. 3 Lakhs
Retirement Year: 2033
Assessing ULIPs as an Investment Option
Disadvantages of ULIPs:
High Charges: ULIPs often come with substantial charges, including premium allocation charges, policy administration fees, and fund management expenses, which can erode potential returns over time.
Complex Structure: The intricate design of ULIPs may make it challenging for investors to understand the underlying costs and benefits associated with the investment.
Recommendation: Withdraw and Reinvest in Mutual Funds
Considering the disadvantages associated with ULIPs, it may be prudent to withdraw your investments and reinvest the proceeds in mutual funds.
Mutual funds offer greater transparency, lower costs, and a more diversified investment approach, potentially leading to higher returns over the long term.
Crafting a Retirement Investment Strategy
Portfolio Reallocation:
Allocate a significant portion of your retirement corpus towards diversified equity mutual funds, considering your long investment horizon and risk appetite.
Balance your portfolio with debt mutual funds to mitigate risk and ensure stable returns, particularly as you approach retirement age.
Systematic Withdrawal Plan (SWP):
Implement a systematic withdrawal plan (SWP) from your mutual fund investments to generate a steady stream of income post-retirement, aligning with your desired monthly income target.
Conclusion: Securing Your Retirement Future
By withdrawing your investments from ULIPs and reinvesting in mutual funds, you can optimize your retirement portfolio for long-term growth and income generation. Additionally, implementing a systematic withdrawal plan will help you achieve your retirement income target while maintaining financial stability and security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Sir I am going to retire this month, April. My corpus fund may be arround 1.5 cr. I have planned for 30 laks for Senior citizens scheme. 10 laks for SWP. FD my name 10 laks and children names 10 laks each 5 laks two children. Can suggest a best investment plan for the remaining amount please
Ans: Crafting a Comprehensive Investment Plan for Financial Growth
As a Certified Financial Planner, I admire your commitment to securing your financial future through strategic investments. Let's delve into crafting an investment plan tailored to your goals and risk tolerance.

Genuine Appreciation for Your Financial Goals
Kudos on taking proactive steps towards building wealth and achieving financial independence. Your dedication to financial planning is commendable and sets a solid foundation for long-term success.

Analyzing Investment Options for Growth
Understanding Your Needs:
Assess your financial goals, risk tolerance, and investment horizon to tailor a personalized investment strategy.
Evaluating Investment Avenues:
Explore a range of investment options, including equities, mutual funds, bonds, and alternative assets, to diversify your portfolio and optimize returns.
Mitigating Risks:
Balance the potential for growth with risk management strategies to safeguard your investments against market volatility.
Investment Recommendations for Long-Term Growth
1. Equity Investments:
Consider allocating a portion of your portfolio to quality stocks or equity mutual funds to capitalize on the growth potential of the stock market.
2. Mutual Funds:
Invest in actively managed mutual funds managed by experienced fund managers to benefit from their expertise in navigating market fluctuations and identifying growth opportunities.
3. Fixed Income Instruments:
Include fixed income instruments such as bonds or debt mutual funds to provide stability and generate regular income streams while preserving capital.
4. Systematic Investment Plan (SIP):
Implement SIPs in mutual funds to benefit from rupee cost averaging and discipline in regular investing, which can lead to long-term wealth accumulation.
5. Portfolio Review and Adjustment:
Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance.
Make necessary adjustments based on changes in market conditions, personal circumstances, and financial objectives.
Conclusion and Best Regards
By adopting a diversified investment approach and staying committed to your long-term financial goals, you're poised to achieve significant wealth accumulation and financial security. Keep monitoring your investments and remain open to adjustments as needed to maximize returns and mitigate risks effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 25, 2024Hindi
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Money
Sir, Recently my PPF got matured and received 15L. How should I invest the money?
Ans: Investing the Maturity Amount from PPF Wisely
As a Certified Financial Planner, I understand the importance of making informed investment decisions to maximize returns and achieve your financial goals. Let's explore potential investment options for the maturity amount of your Public Provident Fund (PPF).


Congratulations on the maturity of your PPF account! It's a significant financial milestone, and it presents an opportunity to make prudent investment choices for your future financial security.

Assessing Investment Options
Diversification:
Consider diversifying your investment portfolio across various asset classes to mitigate risk and optimize returns.
Liquidity:
Balance the need for liquidity with long-term growth potential when selecting investment avenues.
Financial Goals:
Align your investment decisions with your short-term and long-term financial goals to ensure they are in line with your overall financial plan.
Investment Recommendations
1. Equity Mutual Funds:
Consider investing a portion of the maturity amount in equity mutual funds to benefit from long-term capital appreciation.
Choose funds with a track record of consistent performance and managed by experienced fund managers.
2. Debt Instruments:
Allocate a portion of the funds to debt instruments such as fixed deposits (FDs), bonds, or debt mutual funds to provide stability and regular income.
Opt for instruments with varying maturities to create a ladder for liquidity and flexibility.
3. Real Estate Investment Trusts (REITs) or Infrastructure Investment Trusts (InvITs):
Explore opportunities in REITs or InvITs for exposure to real estate and infrastructure assets, offering potential income and capital appreciation.
4. Emergency Fund:
Set aside a portion of the maturity amount as an emergency fund to cover unexpected expenses and ensure financial stability.
5. Consultation:
Consider seeking advice from a qualified financial advisor to tailor an investment strategy that aligns with your risk tolerance, investment horizon, and financial objectives.
Conclusion and Best Regards
By diversifying your investment portfolio across equity, debt, and alternative assets, you can optimize returns while managing risk effectively. Keep a long-term perspective and periodically review your investments to ensure they remain aligned with your financial goals and evolving needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Money
I am 48 , two kids aged 19 and 12. I want to retire at 50. I have my own house fully paid off. I have investments/savings of 4.5 Cr in real estate, PF,PPF and Stocks (Out of that, 2.5 Cr is in real estate other than house I own) I get rental income of 50k per month.My current expense is 1.5 lacs. How do I plan my retirement
Ans: Retirement Planning for Financial Security
As a Certified Financial Planner, I understand your goal of retiring at 50 and ensuring financial security for yourself and your family. Let's outline a retirement plan tailored to your needs and circumstances.


I commend your proactive approach to retirement planning, which is essential for achieving financial independence and peace of mind.

Retirement Planning Strategy
Assessing Current Assets:
Real Estate: 2.5 Cr (excluding primary residence)
PF, PPF, Stocks: 2 Cr
Rental Income: 50k/month
Current Expenses: 1.5 lacs/month
Considerations:
Real Estate: Illiquid and may not provide immediate liquidity during retirement.
Direct Stocks: Riskier due to market fluctuations and lack of diversification.
Retirement Plan:
Evaluate Real Estate Holdings:

Assess the potential for selling a portion of your real estate investments to generate liquidity for retirement.
Consider retaining properties with stable rental income and selling those with lower yields or higher maintenance costs.
Diversify Investments:

Allocate a portion of the proceeds from real estate sales and stocks towards diversified investment options such as mutual funds (MFs).
Choose MFs with a balanced allocation across asset classes to manage risk effectively.
Systematic Withdrawal Plan (SWP):

Utilize SWP from MF investments to create a steady stream of retirement income.
Determine a withdrawal rate that meets your income needs while ensuring sustainability of your portfolio.
Emergency Fund:

Maintain an emergency fund equivalent to 6-12 months of living expenses to cover unforeseen expenses during retirement.
Review and Adjust:

Periodically review your retirement plan to account for changes in financial goals, market conditions, and personal circumstances.
Adjust asset allocation and withdrawal strategy as needed to maintain financial stability and meet evolving needs.
Conclusion and Recommendation
To achieve a secure retirement at 50, consider reallocating a portion of your real estate and stock investments into MFs to create a diversified portfolio with liquidity. Implement a SWP strategy to generate regular retirement income while preserving capital for the future. Regularly review and adjust your retirement plan to ensure it remains aligned with your financial objectives and lifestyle needs.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Hi, I was contributing to Provident Fund from 1994 until 2007 during my employment with companies in India. In 2008, i became a British Citizen, living in the UK, however i never applied for withdrawal of the Provident Fund amount. Is there a way i can apply for the money to be withdrawn and what will be the process. I have my PF number, but no other details. Please advise. Regards - Kiran
Ans: guidance on Withdrawal of Provident Fund After Relocating Abroad
As a Certified Financial Planner, I understand your concern regarding the withdrawal of your Provident Fund (PF) after relocating to the UK. Let's explore the process and steps involved in withdrawing your PF amount.


I appreciate your proactive approach in addressing your financial affairs, which is crucial for securing your future financial well-being.

Understanding the Situation
Employment History:
Contributed to Provident Fund from 1994 to 2007 during employment in India.
Became a British Citizen in 2008 and relocated to the UK.
Current Status:
Have PF number but no other details regarding the account.
Process for PF Withdrawal
Step 1: Contacting the Provident Fund Office
Reach out to the nearest Provident Fund Office in India.
Provide your PF number and personal details to inquire about the status of your account.
Step 2: Verification of Identity and Documentation
Submit identity verification documents, such as passport or Aadhaar card, to authenticate your identity.
Complete any additional documentation required by the Provident Fund Office.
Step 3: Application for Withdrawal
Fill out the necessary withdrawal forms provided by the Provident Fund Office.
Specify the reason for withdrawal as relocation abroad and provide supporting documentation if required.
Step 4: Processing and Transfer of Funds
The Provident Fund Office will process your withdrawal request and transfer the funds to your designated bank account.
The processing time may vary, so it's essential to follow up with the office periodically.
Additional Considerations
Tax Implications:
Consult a tax advisor to understand the tax implications of withdrawing PF funds, both in India and the UK.
Consider any tax treaties between India and the UK that may impact the taxation of your PF withdrawal.
Currency Exchange:
Plan for currency conversion if the funds are transferred to your UK bank account, considering exchange rate fluctuations.
Conclusion and Recommendation
I recommend initiating the process of PF withdrawal by contacting the nearest Provident Fund Office in India. Provide the necessary documentation and follow the prescribed steps to facilitate the withdrawal of your PF amount. Additionally, seek guidance from a tax advisor to understand any tax implications associated with the withdrawal.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2476 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

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Sir, I am investing in two sectorial funds to have reasonable down payment for buying a flat after 12 years. I am investing 4000 rs each in these funds. 1. Canara robeco infrastructure fund 2. ICICI Pharma healthcare and diagnostic fund. Should I continue with these funds for making a corpus of 30 lakhs in 12 years.
Ans: Assessing Sectoral Funds for Down Payment Goal
As a Certified Financial Planner, I understand the importance of selecting appropriate investment avenues to achieve your financial goals. Let's evaluate your current investments in sectoral funds and assess their suitability for your down payment goal.


I appreciate your proactive approach to financial planning, focusing on specific goals such as a down payment for buying a flat. Goal-centric investing is key to achieving financial milestones effectively.

Analyzing Sectoral Funds
Canara Robeco Infrastructure Fund:
Invests in companies within the infrastructure sector, which includes sectors like construction, engineering, and utilities.
Subject to risks associated with the infrastructure sector, such as regulatory changes, economic cycles, and policy shifts.
ICICI Pharma Healthcare and Diagnostic Fund:
Focuses on companies within the pharmaceutical, healthcare, and diagnostic sectors.
Susceptible to regulatory changes, patent expirations, and market dynamics within the healthcare industry.

Put all your eggs in one basket? Sectoral funds gamble on a single industry, exposing you to big swings if that sector stumbles. Unlike diversified funds, they lack balance, meaning a downturn in your chosen sector could drag your entire investment down. For a smoother ride, consider spreading your bets across a wider range of industries thru diversified equity funds.
Evaluating Suitability for Down Payment Goal
Pros of Sectoral Funds:
High Growth Potential: Sectoral funds can offer high growth potential during periods of sector-specific outperformance.
Focused Exposure: Provides concentrated exposure to specific sectors, allowing for potential gains if the selected sectors perform well.
Cons of Sectoral Funds:
High Risk: Sectoral funds are inherently riskier due to their concentrated exposure, making them prone to volatility and sector-specific risks.
Lack of Diversification: Limited diversification compared to diversified equity funds, increasing vulnerability to sector downturns.
Considering Alternative Investment Strategies
Diversified Equity Funds:
Offer broader exposure to various sectors and industries, providing better risk management and diversification benefits.
Suitable for long-term wealth accumulation goals with lower volatility compared to sectoral funds.
Conclusion and Recommendation
Given the risks associated with sectoral funds and the importance of capital preservation for your down payment goal, I recommend considering alternative investment strategies such as diversified equity funds. Diversified equity funds offer broader exposure and better risk management, aligning with your goal of accumulating a down payment corpus over 12 years.

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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