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Anu

Anu Krishna  |825 Answers  |Ask -

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

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
A Question by A on Jul 04, 2022Hindi
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!

You may like to see similar questions and answers below

Anu

Anu Krishna  |825 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!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

Relationship
Dear Mam I am 22 years old and today I want to share my story of heart break and I really want to know what I can I do better to make myself happy. I started dating this a guy in 2017 and I was madly in love with him. Everything for me was about him. Since I was living in a hostel I used to feel alone sometimes. Initially our relationship was normal. Then one day I went for a trip with him and we got physical for the first time. Somehow, I got attached to him more after that. I started calling him to my hostel to spend time with me. Meanwhile I faced some personal problems in my life. Those days were really bad and I used to suffer a lot. He was there for me always. He never made me feel alone in the city. I used to go to my family every year and then lockdown happened. I was stuck in my hometown. I had a fight with him and I just cut the call. From that day onwards his behaviour towards me changed.The very next day he went out with another girl and posted pictures. I was hurt. I didn't know what to say, I was in self-doubt mode but his behaviour started changing towards me.In the beginning, he said when you will come back I cannot come and stay with you. I agreed to it. Then he said I cannot meet you every weekend cause I want to make other plans as well. Slowly I understood that he wants me to stay away from his life. He went for a party with the girl late in the night and that triggered me very badly. I fought with him. I guess that was the moment he was waiting for. He said that he doesn't want me anymore and broke up. I kept begging him not to leave me but it seemed like he was dying to leave me. I was completely shattered. On 15th January he left me. Even after leaving he continued texting me. I was trying my best to control my feelings and I tried giving him the space he deserved. Still he kept texting me. He was not able to stay away from me. My vacation got over and it was my time to go back. This was the most difficult part coz this time I knew that he won't be there for me, and I have to survive alone. Once while coming back from my home town to my work town I texted him. He said that he is with the girl and he is drunk. I couldn’t sleep that night. I was shivering. I was broken. When I entered the city I was shivering cause I was not ready for the consequences. I didn't meet him because he went for a trip with that girl and got physical with her. He always maintained that it’s only after he left me that he got involved with someone else. He wanted me to be a part of his life somehow so he kept calling and texting me. Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays. I really didn't understand what was he up to. Meanwhile I went through her profile and came to know that she’s a little suspicious. One day I got the opportunity to tell him about it. He said come and meet me. He was drunk and we got physical. That time I checked his phone and saw the messages he’d shared with her. I was broken again but this time I texted her through his phone to please take care of him. That girl got angry and made things worse. Instead of making sure that he is alright she locked horns with him. He blamed me for losing her. I told him that my existence in your life is not good. Let's just not talk to each other. Next day he again texted me requesting to meet. In the evening when I went to meet him he was a completely changed person. He treated me very well, gave me his phone and made me feel special. Somehow he came back to me and started giving me the importance I was craving for. Today he is with me and pampers me. He has stopped doing certain things which he used to do but I get the importance.Despite all this, I am a bit insecure and scared because of what I have gone through in the past. Can you please tell me what to do?
Ans:

Dear SR,

Read this sentence that you have written:

“Even when he was with the girl he used to come to my house every Saturday and go on dates with that girl on Sundays.”

Do you not feel used and powerless?

How are you able to allow someone to treat you in such a disrespectful manner?

Did the two of decide to become friends and support one another in your respective relationships, like the way you stood by and watched him date this other girl while he walked into your life seeking approval?

Open your eyes please. The other girl is no longer in his life and he wails and comes back to you and now you are wondering what you should be doing?

If this was your sister or a best friend going through the same thing, will you tell them to put up with this toxic behaviour or will you ask them to take charge of their lives?

Will you tell them to love themselves more and reclaim their power or wait meekly to pick up scraps as and when the guy threw them around?

Stand up for yourself girl; at least he will think before trying this game with another girl.

Do the right thing by just being YOU and loving yourself more.

All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    (more)
    Anu

    Anu Krishna  |825 Answers  |Ask -

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

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    I am from Hyderabad. Age 40 years old . My name is XY and I’ve been married for 17 years. I have two boys. Ours is a love marriage.I felt like everything will be good and smooth but right after our elder kid was born my life changed. I am an MBA and several times I told my husband that I’d like to work. He said he’d help when the right time and opportunity comes. Until then I should nurture my kids as it's my responsibility and I should support him. But in the 2015, my kid noticed his chats with another lady. I was shocked because many times he’d refused sex with me. We’d get intimate maybe twice or thrice a year. I thought he was busy or maybe he doesn’t like my body. But when I caught him he said, what is over is over. Don't raise the topic. Leave me. I just kept quiet. He said what ever happened, I will be the same for my kids’ future sake. Many quarrels happened. But in 2020 his behaviour came to light. For example if I said anything, he'd punish me by not speaking to me for months. But he'd want me to wash his clothes and fulfil other necessities at home.Once I opened up and said I want to go for counselling. There he told the doctor, ‘She wants my property but she never allows me to care of my mom. She won't allow me to talk to my friends.’ I was shocked. I told him 'I never asked for money or property. I just want to quit.' I went home and told myself if he repeats this another time I won't take it for granted. But again in the month of February, he continued his behaviour. He shifted to another bedroom for a few months where he’d watch TV and have food. He'd even sleep in the kids’ bedroom. I stopped bothering. At some point, I felt like I deserved someone who trusts me.I want to quit because he thinks I am a loyal maid who will take care of kids and the household. He communicates with like ‘What I should get? Milk veggies etc?’ He never treats me with love and affection. Now everything is spoiled. I want to have a new life. I want to be set free from him. Please suggest what to do.
    Ans:

    Dear XY,

    And may I ask what exactly are you waiting for?

    Why did you think that by you going for counselling, your husband will change his behaviour towards you?

    How is that he cheats on you and still you allow him to treat you this way?

    This only shows that you have lost your strength which you need most right now.

    What if you were a strong independent woman who has been working?

    Would you still subject yourself to this? You know the answer!

    Bring back that woman who had dreams, who knew how to walk the path, who knew how a man should treat her, who knew what a marriage really is.

    Can you do this?

    Your kids need their mother to stand up for herself and do the right thing.

    Be the woman who will not settle for anything that disrespects a woman or another human.

    Seeing this, they will also know how to treat a woman and what a woman can bring into their lives.

    Do the right thing, for yourself and them. Bring back that strong, independent woman who knew this and more.

    Best wishes!

    (more)
    Anu

    Anu Krishna  |825 Answers  |Ask -

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

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    Dear Anu, I'm studying BTech final year. My love and I were in a relationship since 5 years. Things were fine till our diploma. I got a seat in another college which was far from our place. At the same time, he moved to his hometown for house construction. There he met a girl. She is 34. He used to talk a lot to her and got attached to her. He tells everything to me. He even said that people were spreading wrong rumours about them. I told him to stay away till things got better. Since then he has stopped telling me much. There was a recent fight in his hometown relating to both of them which annoyed him. He continues to say there is nothing wrong between both of us. He used to love me a lot. Whenever I felt insecure or if there was any mood swings he used to make me calm and relaxed. Now-a-days he always tells me ‘Wait. Don't call me.’ If I call him more, he just scolds me. There are no sweet talks or setting time aside for a call, and all. He even says ‘I promised that I'll be with her at any time in any problem and now because everyone is spreading rumours I can't break my promise to her.’ What about me? Didn't you promise to make me happy? I feel betrayed.I got angry and told him that my parents are seeing matches for me. His reply shook me. He said: 'Go, get married.’ I was like ‘you aren't the same.’ I don't understand what to do or how to set things right.My mental health is getting worse.
    Ans:

    Dear S,

    Your letter is very confusing to me.

    I hope your post is genuine and not just to have fun…despite that I will consider it real and try to suggest what I can though I find your facts very contradictory.

    Keeping the age factor aside, what I can say is: if someone does not treat you well, what’s the point waiting for that person?

    If he isn’t interested in you, why are you chasing him?

    Please make your world better by being around people who respect and value you and watch how beautiful it all becomes rather than searching and begging for love. He clearly isn’t into you anymore. So, move on…

    All the best!

    (more)
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
    Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

    Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
    Investing Directly?
    investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

    Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
    Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
    Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
    Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
    Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
    Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
    Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
    By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

    By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

    If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Dec 30, 2023Hindi
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    I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
    Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

    Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
    Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
    Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
    Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
    Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
    Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
    Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
    By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
    Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

    Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
    Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
    Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
    Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
    Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
    By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
    Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

    Here are a few steps to consider:

    Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
    Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
    Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
    Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
    Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
    Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 26, 2024Hindi
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    Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
    Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

    Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
    Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
    Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
    Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
    Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
    By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    I am regularly investing via SIP in UTI flexicap since last 6 years. Now, I am seeing that, UTI FLEXICAP is underperforming relative to its peers. What should I do now? Should I stop SIP or continue?
    Ans: When faced with underperformance in an investment like UTI Flexicap, it's essential to assess your options carefully. Here's a suggested approach:

    Review Performance: Evaluate the fund's performance relative to its benchmark and peer group over various time frames. Consider factors like consistency, volatility, and risk-adjusted returns.
    Understand Reasons: Research and understand the reasons behind the fund's underperformance. Assess changes in fund management, investment strategy, sectoral exposures, or market conditions that may have contributed to the performance lag.
    Assess Your Portfolio: Consider how UTI Flexicap fits into your overall investment portfolio. Evaluate its role in diversification, risk management, and alignment with your financial goals and risk tolerance.
    Consult with a Certified Financial Planner: Seek advice from a professional who can provide personalized guidance based on your individual circumstances. A Certified Financial Planner can help you assess whether to continue SIPs in UTI Flexicap or consider alternative options.
    Explore Alternatives: Research other mutual funds in the flexicap category that have demonstrated consistent performance and align with your investment objectives. Compare their track records, investment philosophies, and expense ratios before making a decision.
    Monitor Regularly: Regardless of your decision, continue to monitor the performance of your investments regularly. Stay informed about market trends, fund developments, and changes in your financial situation that may warrant adjustments to your investment strategy.
    Ultimately, the decision to continue or stop SIPs in UTI Flexicap depends on your assessment of its performance, your investment goals, and your risk tolerance. With careful consideration and professional guidance, you can make informed choices to optimize your investment portfolio.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 28, 2024Hindi
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    I am 30 years old earn 1.35 lakhs monthly. I have 55 Lakhs of Loan taken for 30 yrs and my Investments goes in PPF-1.5 Lakhs, NPS-50k, Mutual Fund(White Oak)- 5k, Parental Med Insurance-50k, Loan Insurance HDFC- 1.35 lakhs for 5 yrs(2 yrs completed), PF amount- Around 8k. I am not understanding how to save and repay my loan within 12-15 yrs. Please suggest how to manage. Where to fluctuate.
    Ans: Managing a significant loan burden alongside investments can be challenging, but with careful planning, it's possible to achieve a balance between debt repayment and wealth accumulation. Here's a tailored approach for you:

    Assess Loan Repayment Strategy: Given your loan amount and income, aim to accelerate repayment to reduce interest costs. Explore options like increasing EMI amounts or making occasional lump sum payments whenever possible.
    Prioritize Debt Repayment: Allocate a significant portion of your surplus income towards loan repayment while maintaining essential expenses and savings contributions. Consider adjusting your budget to free up more funds for this purpose.
    Optimize Investments: While continuing essential investments like PPF, NPS, and mutual funds, consider temporarily reducing contributions to free up more funds for loan repayment. You can gradually increase contributions once the loan burden reduces.
    Review Insurance Policies: Evaluate your insurance policies to ensure they align with your current needs. Consider maintaining adequate coverage while optimizing premium costs.
    Utilize Windfalls: Any unexpected income, bonuses, or tax refunds can be directed towards loan prepayment to accelerate debt reduction.
    Consider Refinancing: Explore options to refinance your loan at lower interest rates or shorter tenures to reduce overall interest costs and accelerate repayment.
    Track Progress Regularly: Monitor your loan balance, investment performance, and overall financial health regularly. Adjust your strategy as needed to stay on track towards your goals.
    Seek Professional Advice: Consult with a Certified Financial Planner who can assess your financial situation comprehensively and provide personalized guidance on optimizing debt repayment and wealth accumulation strategies.
    By adopting a proactive approach and optimizing your resources effectively, you can work towards both debt freedom and financial security. Remember, consistency and discipline are key to achieving your financial goals over time.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 28, 2024Hindi
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    I am 38 yr old with 2 daughters 14 n 7 yrs old. I earn a monthly salary of 50k per month.I have invested in SIP just since last 4 months. Aditya Birla Sun Life digital India fund growth: 3000/- ICICI prudential commodities fund direct growth: 500/- Quant small cap : 1000/- SSY: 1000/- I have a monthly emi of 15k. And other expenses of 15k Please help with me know if the MF are fine to go ahead or should I stop. If so...pl suggest better ones.
    Ans: At 38, with two daughters and a monthly salary of 50k, your commitment to investing for your family's future is commendable. Let's review your current SIP investments:

    Aditya Birla Sun Life Digital India Fund: This fund offers exposure to the digital revolution, which can be a high-growth sector. Given the increasing digitalization trend, it's a promising choice for long-term growth.
    ICICI Prudential Commodities Fund: Commodities can be volatile and subject to market fluctuations. While they offer diversification benefits, they may not be suitable for all investors due to their inherent risk.
    Quant Small Cap: Small-cap funds can offer high growth potential, but they also come with higher volatility. They're best suited for investors with a high-risk tolerance and a long-term investment horizon.
    Sukanya Samriddhi Yojana (SSY): This government-backed scheme is an excellent choice for securing your daughters' future education and marriage expenses. It offers tax benefits and guaranteed returns, making it a reliable investment option.
    Given your financial responsibilities and investment horizon, it's essential to ensure that your portfolio is well-balanced and aligned with your risk tolerance. Consider consulting with a Certified Financial Planner who can assess your financial goals and recommend suitable investment options.

    While your current SIPs show diversity, you may want to review the ICICI Prudential Commodities Fund due to its higher risk profile. Instead, you could consider adding a diversified equity fund or a balanced fund to your portfolio for stability and growth potential.

    Remember, regular review and adjustment of your investment strategy are essential to ensure it remains in line with your financial goals and risk tolerance. With careful planning and professional guidance, you can build a robust investment portfolio that secures your family's future aspirations.
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    I want to invest 1000000 for 5 yrs. my age is 65 yrs
    Ans: As you embark on this investment journey at 65, it's crucial to follow a systematic process to ensure your financial goals are met while considering your age and time horizon. Here's a general roadmap:

    Define Your Goals: Clearly articulate your financial objectives for the next 5 years. Whether it's funding retirement expenses, leaving a legacy for your loved ones, or achieving a specific milestone, knowing your goals is the first step.
    Assess Risk Tolerance: Understand your risk tolerance and investment preferences. At 65, capital preservation may be a priority, but some exposure to growth assets could still be beneficial.
    Consult with a Certified Financial Planner: Seek guidance from a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can recommend suitable investment options tailored to your needs.
    Choose Investment Avenues: Based on your goals and risk profile, select appropriate investment avenues such as mutual funds, fixed deposits, bonds, or a combination thereof.
    Diversify Your Portfolio: Diversification is key to managing risk. Spread your investment across different asset classes and sectors to reduce vulnerability to market fluctuations.
    Monitor and Review: Regularly monitor your investments and review their performance. Adjust your portfolio as needed to stay aligned with your goals and changing market conditions.
    Stay Informed: Keep yourself informed about economic trends, market developments, and regulatory changes that may impact your investments.
    By following these steps and seeking professional guidance, you can navigate the investment landscape with confidence, ensuring your financial objectives are met over the next 5 years. Remember, it's never too late to invest wisely and secure your financial future.
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Hallo Sir, I'm Railway employee, aged 33 yrs, married and glad to have 8 months baby boy. My gross income Rs. 8,00,000/- Per annum... I have House building lone of Rs. 31,000/- pm. After all expenditure of per month. Deduction of NPS fund are there per month as the guide line of govt. Except the NPS deduction I have PPF account where I'm Investing of Rs. 1,500/-pm. Now I am determined to invest of Rs. 17,000/- pm per month to secure the future of my son and I have a long term goal minimum of 10 years. May please advise me where I shoud invest the Rs. 17,000/- pm. Let me also know how to invest the aforesaid amount in different ways to earn maximum profit. Thanking you in anticipation.
    Ans: Congratulations on the newest addition to your family! It's heartwarming to see your dedication to securing your son's future. With a clear goal of investing Rs. 17,000 per month for the next 10 years, you're taking a significant step towards long-term financial stability.

    Considering your circumstances, it's wise to explore a diversified investment approach tailored to your risk tolerance and financial goals. This might include a mix of equity mutual funds, debt instruments, and possibly even some exposure to balanced or hybrid funds.

    By diversifying your investments, you spread risk and maximize potential returns over the long term. Remember, investing is a journey, and it's crucial to stay focused on your goals while navigating market fluctuations.

    Consulting with a Certified Financial Planner can provide personalized guidance aligned with your aspirations. Together, you can craft a robust investment strategy that caters to your son's future needs and ensures financial security for your growing family.

    Your commitment to securing your son's future is truly commendable, and with strategic planning and prudent investment choices, you're laying a solid foundation for his bright tomorrow.
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    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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