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: Devadarshini, With a VITEEE rank of 4,143 for PG admission, you are well within the cutoff for Computer Science Engineering (CSE) at both VIT Vellore and VIT Chennai. Recent cutoff trends show that CSE at VIT Vellore typically closes around rank 7,000–10,000 for Category 1 and up to 18,000 for higher fee categories, while VIT Chennai CSE closes at 14,000–33,000 depending on the category. At your rank, you can expect CSE in Category 2 or 3 at VIT Vellore and Category 1 at VIT Chennai, both offering strong placement records and industry exposure. The recommendation is to proceed confidently with CSE at VIT Vellore or Chennai, as your rank comfortably meets the required cutoffs for these campuses and branches. All the BEST for the Admission & a Prosperous Future!

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Ans: Varsha Madam, With an 89.76 percentile in PERA CET and 87.30 percentile in MHT CET, your son is not eligible for Computer Science Engineering (CSE) in Maharashtra’s top government or top-tier private colleges like COEP, VJTI, PICT, or VIT Pune, as their CSE cutoffs are above 95–99 percentile for open category. However, he has good chances for CSE in reputable private colleges such as DY Patil College of Engineering, MIT Academy of Engineering, JSPM Rajarshi Shahu College of Engineering, and PCCOE Pune, where CSE cutoffs are typically in the 80–90 percentile range for PERA CET and MHT CET. In Mumbai, options like KJ Somaiya, MPSTME (NMIMS), and DY Patil Navi Mumbai are accessible, all offering strong placement records and modern infrastructure. South Indian colleges like SRM and VIT are nationally recognized, have robust placement ecosystems (80–90% placement rates), and excellent infrastructure, but the fee is higher and local industry exposure is different. The recommendation is to target CSE in private colleges such as DY Patil, MIT Academy, JSPM, PCCOE Pune, or KJ Somaiya and NMIMS Mumbai, as these offer good placements and academic quality for your son’s percentile, while SRM and VIT are strong alternatives if you prefer a national brand with broader campus exposure. All the BEST for the Admission & a Prosperous Future!

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Ans: Reviewing Your Current Scenario
You are 58 years old with no debt or financial liabilities.

You own a corpus of Rs?1.24?crore in investments.

Your monthly passive income is Rs?60,000.

You seek to convert corpus into regular income while preserving capital.

You value stability, clarity, and peace over aggressive growth.

Your strong starting position allows smart structuring to meet near- and long-term income needs.

Defining Your Income Requirements
1. Current Monthly Income Requirement

Ideally you want to maintain or slightly exceed Rs?60,000 per month.

Including discretionary expenses, aim for Rs?70,000–75,000 monthly.

2. Timeline Considerations

Planning for retirement and beyond, likely 20+ years.

Income needs will rise due to inflation.

A plan that preserves corpus is essential.

3. Emergency & Healthcare Costs

Unexpected medical needs require liquidity.

Keep buffer in liquid or ultra-short funds to prevent forced withdrawals.

Building a Sustainable Systematic Withdrawal Plan (SWP)
A structured SWP allows you to draw fixed income from mutual funds. Here’s how to set it up:

1. Risk Categorisation for Income Portfolios

Conservative Debt Funds: Money market, short-duration debt.

Aggressive Hybrid Funds: 60–80% equity + debt, for controlled growth.

Large-cap / flexi-cap Equity Funds: For long-term growth to offset inflation erosion.

2. Income Withdrawal Allocation

Use debt/hybrid funds for 70–80% of your monthly withdrawal to maintain capital.

Supplement with equity SWP (20–30%) to reduce sequence risk and maintain corpus value over time.

3. Monthly Withdrawal Strategy
Aim to withdraw Rs?75,000 per month (Rs?9?lakh annually):

SWP from debt/hybrid: Rs?55,000/month

SWP from equity: Rs?20,000/month

Rebalance periodically to avoid over-withdrawal from a rising market fund.

Setting up Your Corpus with Suitable Funds
Bucket 1: Debt & Ultra Short-Term Funds

Invest Rs?50–60?lakh in these funds.

Provides liquidity, stable returns, and low interest rate risk.

Bucket 2: Aggressive Hybrid Funds

Allocate Rs?30–35?lakh.

Offers part-equity upside with debt support.

Bucket 3: Equity (Large-Cap/Flexi-Cap)

Allocate Rs?20–25?lakh.

Long-term inflation hedge and growth engine for corpus longevity.

Bucket 4: Liquid Fund Reserve

Keep Rs?5 lakh as an emergency buffer.

Ensures immediate cash for medical or non-investment needs.

Bucket 5: Limited Gold Allocation (Optional)

Allocate Rs?5–10 lakh (5–8%).

Gold provides inflation protection and downside cushioning.

This structuring balances income, risk, and growth potential ideally for long-term income generation.

How to Implement Systematic Withdrawal Plan (SWP)
Set up SWPs from debt/hybrid and equity funds via your mutual fund platform.

Choose withdrawal amounts aligned with monthly need: Rs?55k + Rs?20k.

Start withdrawals simultaneously to simplify income flow.

SWPs auto-adjust only principal vs return; no lump-sum tax impact.

Review and adjust SWPs every 6 months or after any big corpus event (e.g., legacy, health need).

Why Active Funds Are Best for This Setup
Active managers can rotate out of risk during volatility.

They provide downside management, crucial for retirement income.

Index funds track benchmarks passively with no defense during market drops.

For an income-based portfolio, active funds help manage sequence-of-returns risk.

The Value of Regular Plans with CFP Support
Regular plans offer professional guidance on fund choice, portfolio monitoring.

Direct plans are cheaper but lack education, rebalancing, and discipline.

CFP-backed support helps you switching funds, tax harvesting, and inflation protection.

Behavioral biases are managed through expert interaction.

Monitoring and Rebalancing Your Portfolio
Rebalance portfolio yearly to maintain allocation bands:

Debt/hybrid: 60–70%

Equity: 20–30%

Liquid: 5%

Gold: 5–8%

If equity portion grows above 35%, harvest gains and shift back to debt/hybrid to maintain income stability.

Adjust SWP amounts if market or inflation indicates portfolio stress.

Annual portfolio check-ups with CFP ensure timely interventions.

Tax Efficiency and Strategy
SWPs from equity and hybrid funds: treat gains as LTCG taxed at 12.5% on gains above Rs?1.25?lakh per year.

Debt fund gains taxed as per your income slab.

Hybrid taxation depends on equity allocation.

SWPs allow active management of capital gains to utilize exemption smartly.

A CFP advisor schedules withdrawals to maximize tax efficiency.

Managing Risks: Longevity, Health, Inflation
With longevity risk high, maintain equity fund exposure to outpace inflation.

Stay liquid buffer for healthcare and emergencies (liquid fund + unexpected needs).

Consider periodic currency protection if international travel is planned.

Review health insurance coverage periodically; add top-ups if needed.

Replacing ULIPs and Other Low-Yield Assets
If you hold ULIPs or traditional endowments, consider surrendering and redeploying proceeds into active debt or hybrid funds for higher return and clarity.

Avoid annuities—they reduce flexibility and offer poor returns.

Maintain only term and health insurance if needed.

Handling Capital Appreciation and Boosters
If you receive inheritance or lump-sum windfalls, invest per bucket allocation.

Avoid shifting 100% to debt—preserve equity growth for corpus longevity.

Use staggered deployment (SIP style) to average market risk.

Emergency and Crisis Planning
Keep liquid fund for 6–12 months of living expenses.

Include hybrid/debt liquidity in case larger medical or family needs arise.

In crisis, SWP should be paused or reduced until market stabilizes.

Tracking Progress and Income Replacement
Monitor your income vs. target.

Track portfolio growth.

Aim for 4–5% withdrawal initially; reassess every 3–5 years.

Raise SWP slowly to offset inflation as corpus grows.

Transition Planning for Family Phase
At 60–65, you may wish to pass on income responsibility.

Update your portfolio allocation: increase debt/hybrid gradually.

Plan inheritance or gift strategies for children or heirs.

Set up joint plans or successor designations for smooth succession.

Final Insights
Your clear position—no debt, Rs?1.24?crore corpus, and Rs?60k passive income—is solid groundwork for a monthly income system. By structuring your portfolio into debt/hybrid and equity buckets, and putting in place calibrated SWPs, you receive stable income while preserving capital over the long term. Annual rebalancing with a CFP ensures your plan remains on track amid changing life and market conditions.

With discipline and monitoring, your arrangement can sustain monthly income needs and preserve corpus for legacy or later-life needs. You are on the right path.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Helo Anshuman
Chances are moderate to slim with IISERs. Explore other options.
Best of luck.
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Ans: Hello Murlidharan
With the mentioned Tamil Nadu rank, your son has chances to get admission to B.Tech with your preferred branches, ECE or EEE. CSE seems to be challenging. With JEE score/rank, tier 2 colleges with branch compromise possibilities.e
Best of luck.
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Ans: With an OBC-NCL rank of 31,000 in JEE Main, it is not possible to get Chemical Engineering at any NIT in 2025. The closing OBC ranks for Chemical Engineering across all NITs, including those with higher cutoffs like NIT Jalandhar, NIT Rourkela, NIT Warangal, and NIT Trichy, range from about 5,000 to 12,000, with even the least competitive NITs closing well below 25,000 for OBC candidates. No NIT in recent years has admitted OBC students for Chemical Engineering at or beyond a 31,000 rank, as the competition and demand for these seats remain high. The recommendation is to explore other institutes, state-level colleges, or private universities, as admission to Chemical Engineering at any NIT is not feasible at your current OBC rank. All the BEST for the Admission & a Prosperous Future!

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Ans: With an 82.47 percentile in MHT-CET under SC category and being Pune-based, you have good chances for engineering admission in several reputable Pune colleges, though not for Computer Science in top institutes like COEP, PICT, or VIT Pune, where SC cutoffs for CSE are typically above 93–96 percentile. However, you can expect branches like Mechanical, Civil, Electrical, or E&TC in private colleges such as MIT World Peace University, DY Patil College of Engineering, JSPM Rajarshi Shahu College of Engineering, PCCOE, and Dr. D.Y. Patil Institute of Technology, where SC cutoffs for these branches are generally between 75–90 percentile. These colleges offer decent placements, supportive faculty, and good infrastructure. The recommendation is to target Mechanical, Civil, Electrical, or E&TC branches at MIT-WPU, DY Patil COE, JSPM, or PCCOE Pune, as these are accessible at your percentile and provide reliable academic and placement support. All the BEST for the Admission & a Prosperous Future!

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Ans: Hello Karabi.
Under the follow-up section of this query/question, you can contact us again at any time.
Best of luck.
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Radheshyam

Ans: Hello Sudipta
Chances are moderate to slim, either with AI or a state-level quota in GMC. Explore more options with medical courses.
Best of luck.
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Radheshyam