Hi Anu, I am a 49 year old male, married for 16 years with 2 kids, my son is in 10th standard and daughter in 7th std, I have problem with my wife who cheated me financially, she is a housewife but somehow through her parents/cousins made me take loan and give it to her indirectly to an extent of almost 25-30 lakhs, when i found out initially about this i fought with her, but she cooked up some story and convinced me that she did it because she had to and not to cheat me, we had a compromise because of kids, she did it again and she kept doing it again, i have totally lost my trust in her and no intension of living with her but just thinking about kids i have to go with it, feels very bad when a person staying with you under the same roof cheats and breaks your trust, how should i handle it now? should i just stay as usual and pretend that thinks are normal for the sake of kids or should i call off my marriage?

Ans: Dear
It’s awesome that you’re thinking about investing at such a young age! Your goal of buying a Yamaha bike for your 18th birthday is achievable with the right investment strategy. Let’s break it down:
1. SIP (Systematic Investment Plan) for Your Monthly Savings you can absolutely invest your savings in SIPs. With Rs 1200-1500 available per month, SIPs are a great way to start investing in mutual funds. They allow you to invest small amounts regularly, and over time, you can benefit from compounding and rupee-cost averaging, which means your money can grow steadily. However, since your goal is just over a year away (December 2025), you’ll need to invest in something that balances growth with moderate risk, because mutual funds, especially equity ones, can be volatile in the short term.
2. How Much You Need to Save - Your target is Rs 1.5 lakh, and you’ve already saved Rs 40,000.- So, you need Rs 1.1 lakh more by December 2025. - You have roughly 15 months left, meaning you need to save or grow your savings by about Rs 7333 per month to meet your goal.
3. Investment Options - Given your short time frame, here are a few options to consider: - Hybrid or Balanced Mutual Funds: These funds invest in both stocks (equity) and bonds (debt), providing moderate growth with relatively lower risk than pure equity funds. While they might not double your savings in a year, they can give you better returns than a bank savings account. On average, you could expect returns of 8-10% per year. - Debt Mutual Funds: These are safer compared to equity mutual funds but offer lower returns, typically 6-8% per year. Debt funds might be a good option if you want to minimize risk, though they won't give huge returns in a short time. - Recurring Deposits (RDs): If you’re looking for safety and guaranteed returns, an RD in a bank might be a safer option, though the returns will be around 5-6%. This won’t help double your money, but it’s secure.
4. Doubling Your Money in a Year- While it’s tempting to look for ways to double your money quickly, it’s important to understand that high returns usually come with high risk. Investing in high-risk options like **stock trading** or **cryptocurrencies** could lead to losses, especially over such a short period.
Unfortunately, doubling your money in just over a year is not realistic without taking on significant risk. A better approach is to aim for stable growth and possibly adjust your bike budget or timeframe if necessary.
5. Action Plan - Start a SIP in a **balanced or hybrid mutual fund** with your monthly savings of Rs 1200-1500.
- Continue saving as much as possible to reach your target.
- Be cautious of high-risk investments, as they could hurt your savings in the short term.
So the Conclusion that by investing in SIPs and sticking to a disciplined savings plan, you should be able to get close to your goal. While doubling your money may not happen within a year, steady growth will help you build towards your dream bike.
If you need more personalized advice, consider speaking to a financial advisor to find the best funds for your situation.

Best regards,
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
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