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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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
TT Question by TT on Sep 20, 2021Hindi
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Relationship

Dear Anu, I would like to discuss about a problem in my married life with you.

Me and my husband had a love marriage 21 years ago.

Before our marriage also my husband had many relationships and affairs but since he was very true about everything and he promised to change things, we married.

Though, our family was a happy one and we have two grown up kids also, everything seems OK from outside. But actually, my husband has had many affairs after our marriage also.

He has never left his habit of impressing females around him, it may be his colleagues or some common friends etc.. and I always come across some or the other female in his life.

Some of the affairs have been so serious that they even went ahead and spent days and nights together.

Every time, I discover some affair, he admits his mistake and tells me to move on, but he never believes in correcting his mistakes and either continues with the affair or finds a new partner.

I have lost all trust in him but since I am not earning and have two grown up kids and also love him a lot, can't think of separation.

I have tried confronting him though but he gets angry always and blames me for spoiling our family life and not moving on.

Also, would like to accept that he is very supportive in family matters, loves his family a lot, is very dedicated to his work and to his kids, he is very empathetic towards people, helps everyone but needs his own space too.

I am completely confused about what should I do.

I am unable to trust him for anything and we keep arguing over smallest things.

Hope you will reply to me. Thanks.

Ans: Dear TT, I can only imagine what you must be going through.

Since you want to continue in the marriage, that choice is something I presume that has emerged after a lot of thought and I respect it.

The way this marriage will work is communicate clearly to him that his philandering ways have to stop as it is affecting you and the marriage.

If this doesn’t work, he seriously needs help in dealing with this…sometimes people don’t realise that they are jeopardizing their marriages.

I am not defending him but simply stating that sometimes people get themselves into a trap of not so useful situations and quite don’t know how to get out of it.

Also, what he might gain from so many extra marital relationships is something that he needs to find in other ways rather than swaying outside of the marriage.

This requires him to work with an expert as he will most likely not yield to your requests like in the past. Mere talking will not be enough; he possibly needs intensive therapy.

This will help him reunite with his family that he loves so much and he can be around completely without having to seek pleasure outside eroding the foundation of marriage.

As he seems to get better, it’s time for you to live your life as well, right?

What is it that you haven’t done in years? What is it that you gave up after marriage or after having kids?

What excites you enough for you to step up for yourself and create your own happiness? Simply DO THAT.

This will help you get back on your feet; who knows you might discover something that actually may end up becoming a money generator as well!

I wish you the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 24, 2024

Asked by Anonymous - Oct 23, 2024Hindi
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Relationship
I am 48 year old mature,responsible and independent working lady. Married to the person whom i loved. 7 years of relationship before marriage and now 20 years of married relationship. My husband is very egoistic and irresponsible about our relationship but at the same time very helpful towards others. He lacks emotional intelligence between us. He lacks to understand my feeling which was never his priority. Due to this attitude after 6 years of marriage i got involved with one of my office colleagues wherein i use to consider him as a big supporter who is beside me whenever i feel depressed or want to express. Since my husband did had such understanding of spending quality time with me. However i was caught by my husband after few month since he had recorded few of my conversation. That chapter got closed as i sincerely apologize by husband and made him understand why was i in to that situation, which he also realized and accepted his mistake. We started a fresh journey as husband and wife. After 13 years post 2009, my husband was cheating on me which i discovered with the help of one agency. He was going around with one married lady. Luckily i cud figure this out in time with proofs and informed that ladies husband also. Post this revelation my husband has changed. He was not feeling guilty at all of what he did as he had lot of plans of leaving me and my 2 kids. He wanted to get separate and stay with his parents only, he was not interested in our family anymore and did not wanted to take any responsibility of our 2 kids, he started playing victim card that when my wife had an affair i did not revealed to anyone,then why is that she has revealed. Its now more than 6 months he is still not back on track, neither he feels guilty nor talk with me. Manipulate the conversation and his action every time. Not able to understand his behavior and this behavior is affecting my daily life. He doesn't update where.does he go, what is he doing. He is jobless since last 7 years. Hence i am only the earning member staying with i laws and kids. Day by day my patience are getting over. Please advise should i get separated from him and stay.with my kids only. Pls suggest
Ans: Dear Anonymous,
Well, it's classic behavior when there is no emotional bond within a marriage; seeking that outside of marriage...Now, with both of you having stepped out of it, it's going to take not just your efforts to put things together BUT a discussion on whether you two want this marriage to work. If YES, then work at it...
You will need to together work at dropping past baggage and starting on a clean slate.
But if NO, that's a decision that also needs a lot of deliberation. Are you willing to get out of the marriage as over time we get habituated with a person even with all they are and they are not. Think of how your life will pan out with your husband in it and not in it? Weigh this carefully and then decide what must be done next. This becomes important as there are children involved and it impacts them in a big way as well.
Take some time, confide in a trusted person and go into the depths of the pros and cons which will enable you take a step and move ahead...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024Hindi
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Relationship
Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

..Read more

Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2025

Asked by Anonymous - Feb 26, 2025Hindi
Relationship
Hello Anu, I am married for 14 yrs. I have 5 yrs old twins. Currently I am dealing with my husband's extra marital affair with his ex colleague. In 2022 we went to abroad with my husband. But I found it very difficult to adjust with 2 3.5 yrs kids with my son diagnosed with ASD. I came back to India in 6 months.In April 2024 I came to know that my husband went on vacation with his ex colleague in abroad. He even sponsored her flight ticket and entire vacation. They spent 3 nights in a single hotel room. In 14 yrs old marriage despite being love marriage, I had to sponsor my honeymoon and first anniversary. With me he is always on savings mode where as with this woman he does not even care about money. When I confronted, he and his family blamed everything on me. They said it was my fault that I came back to India. Also as per him and his family it is nothing. Friends can travel like that. They pointed everything on my trust issues. He came back to India but he did not even contact me. He just wanted to meet kids. He never accepted his affair. As per him she is just a friend. I wanted divorce first but I asked him whether he wants to marry that woman he said NO. So we started couple therapy. During therapy he accepted his mistakes and said he was alone. That woman was going through her second divorce. And they started chatting on what's app frequently. Then calls and video calls. That woman was in India. He said he wants his family. But he never gave me any details about his affair. I came to know that when he was in India during holiday they went to pune , he lied to me and went to pune to be with her. There also they spent night in 5 star hotel room. I was devasted. This also he did not tell me. Going on vacation, sharing a hotel room , sharing a bed is nothing for them. I am also BE but I feel like he has crossed all boundaries. I was devasted. I felt so much betrayed that I was getting thoughts of suicide but looking at my kids I decided to work on our marriage. In diwali he gifted me a saree, we spent quality time as family. I said let's forget all and start a new life in our new house but please leave that affair. He said ok. But again he cheated. He booked 5 star resort room for her. He even sponsored her flight ticket. I was genuinely trying to save my marriage, to build our bond but he messed it. Even after that he wants to be with me. Recently I lost my job as well. Counselor told me to ignore his affair. But my husband wants me to pay half EMI, half of everything even though he has onsite money. I feel stuck in this marriage now. This man has always neglected my needs.He never respected me, he never valued me the way he is treating that woman. He wants me to perform all wifely duties but also wants to enjoy his time with that woman. Now he is saying he has stopped contact with her. But in Diwali he said the same in temple .when I am asking for divorce he is saying I want his money. He has zero regrets , no remorse of his actions. I am mentally very much disturbed now. I feel worthless and hopeless because of all these things. Now he wants to live with me but he wants me to share all the expenses. I don't trust him now and I don't want to invest my money in this marriage as there is no transparency. He has also disrespected my parents when they went to ask him about his affair. If he loves that woman this much why can't he accept that and leave me? He wants me to take a call. He leaving me would have helped me to move on. Is it worth saving such marriage where there are insecurities, no trust , no transparency, no respect? I put my ego aside for many times but should I also loose my self respect? I have decided to protect myself now.
Ans: Dear Anonymous,
Clearly your therapy didn't take you anywhere and your counselor telling you to forget the affair makes it even more clear that he/she was leading you into a space of impossibility. If it's so easy to forget, why haven't you? Because it is not possible to forget what impacts you the most...
It has to be worked upon and skimmed over. What I could gather from what you have shared is that you seem to be waiting for your husband to decide the fate of your marriage!
What's your thought on it? What makes you wait for his approval or decision on it? If after repeated attempts, the marriage does not seem like a priority to him, how can you expect him to make a decision about it?
He's a pretty cat sitting on a fence playing both fields and wishing that he can be the best player on both sides of the field...You get the depth of this? He's never going to decide and this will constantly keep you on the edge not letting you move on anything.
I am sure you will be relieved knowing that the decision when in your court can help you accelerate things and it will be clear how and when you wish to move on...
The decision must be yours NOW!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Nov 06, 2025Hindi
Money
I am 55 years old NRI. I looking forward my superannuation after 3 years at 58. Currently I have following investments (1) SIP MF Invested 1.4 cr, MV 2.01 cr. Montly SIP of 5.28 lakhs, can continue for 1 year more. MF Diversified into Small Cap 40%, Mid Cap 25% Large Cap 10%, Flexi Cap 15%. (2) FD for 1.0 cr @ 6.75% (3) Shares MV 40.0 lakh (4) CG Bond 19.0 lakh (5) 3 flats MV 2.25 Cr (6) Land MV 2.25 cr (7) 1 underconstruction flat Paid 50.0 laks, balance 1.5cr to be paid in next 2 years (8) 2 Sons education and marriage liability 2.5 cr in next 4 years. (9) Loan o/s of Rs 50.0 lakh (10) I am expecting monthly expenses of Rs 2.0 lakh per month. Pls advise suitability of my portfolio to generate montly income of Rs 2 lakh for next 30 years post retirement. If any additional investment or re-arrangement required, pls advise. My SIP are (a) Parag Parekh Flexi 50K (b) Aditya Birla Frontlline 23K (c) Mirae Large & Small 15K, (d) Nippon Growth 33K, (e) Nippon Large Cap 35K, (f) DSP small 12K, (g) Nippon Small Cap 27K, (h) Quant Small 49K, (i) Quant Active 25K, (j) Quant Flexi 25K, (k) HDFC Small 30K, (l) PGIM Midcap 51K, (m) Motilal Oswal Mid Cap 93K (n) Motilal Large & Midcap 29K and (o) Motilal Momentum 50 Index 31K.
Ans: Hi,

You are on the right path towards a steady and comfortable retirement post 3 years. Let us assess the entire financial one at a time.

1. FD - 1 crore. This entire amount can be treated as your emergency fund. Although use 50% of this fund to close your personal loan.
2. Direct equity - 40 lakhs. You can consider moving this entire allocation to mutual funds as direct equity investment is quite risky if you do not much about it.
3. CG Bonds - 19 lakhs - good debt investment option.
4. Life and health insurance - can increase the covers, specially now when you have time. Post retirment would be difficult for you.
5. 3 Flats worth 3 cr - with monthly rental income of 50k.
6. Plot worth 2.25 crores and Flat which will be fully paid before retirement from salary.
7. Physical Gold - good to carry.
8. Personal loan - 50 lakhs. Consider closing it using amount from your FD.
9. Current MF corpus - 2.08 crore with ongoing monthly SIP of 3.5 lakhs. It will become 4.25 crores at your age of 58 if you continue investing.

> Current ongoing SIPs have a lot of overlapping which should be avoided to get the best return on investments. This entire allocation needs a thoughtful and careful planning.
- For retirement, your current MF corpus and stocks would be sufficient to fund your retirement in addition to your rental income. You will also get your PF and gratuity while retiring. These will fund your retirement in initial 5 years.
- For later years, post the age of 63, start SWP from your MF portfolio wrt your expenses (inflation adjusted).
- Work with a professional to reallocate the funds in your current portfolio so as to fund your retirment wrt to retirment strategy.
- Refrain from buying any policy to lock-in your funds.
- A professional can design a bucket strategy for your mutual fund corpus. This way, you will get your monthly expenses and the rest portfolio keeps on growing. This fund will never end and you will leave a great fortune for your kids.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Money
Dear sir, Hope you are doing well. Sir I am central govt employee ,36 yrs of age working in Bengaluru . I have invested in lands in tier 2 cities 3 plots(in hubli) for which loan has been cleared. monthly sips of 12000 in MF for education of daughters which i am expecting to give me good compounding yield over period of 12 years from now. purchased stocks of 5 lakhs & kept it for long term. as of now i dont have any loans and my salary and expenses and savings are at par . I may relocate to hubli (my native also)as part of rotational transfer of my job. once i relocate i am planning to buy a house as i have left 23 years of govt service , Is it wise to go for home loan & emis for a period of 23 yeras or wait for some more time to shell off the existing plots . I have health and term cover . as part of job i may relocate again to bengaluru after 3 years again.& i wish to settle down in Hubli after my service. currently planning to rent a house in hubli which is near to kv school to avoid transportation hassles for daughters. 1.should i purchase a land which is near by kv or should i go for outskirts of the city ( i should consider travel distances for my daugters school &colleges)? currently one daughter is in 2nd standard other is in nursery. 2.any other investment would you suggest for good returns as i am expecting salary hike from 8 th pay commission.
Ans: Hi Ijaz,

If you relocate to Hubli, getting into another fresh loan for 23 years is not a wise decision. Instead wait for some years and shell off existing plots to buy a home later.
Also your overall savings seem less. you should consider increasing your investments in mutual funds instead of direct stocks to get benefit of compounding. Use the hike from upcoming pay commission completely into starting new aggressive SIPs for your future. This way, you can buy a home in Hubli faster than you may plan to and that too without any loan.

For SIPs, you should consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Money
Hi Sir, I am working in IT company and there is no job security I am 41 years old and my salary is 1.24 lakh monthly so I invest as much earliest to secure my future...plz suggest me Current investment PF 7 lakh. PPF 4.80 lakh (12500 Monthly investing) FD 4.5 lakh ( emergency fund) MF 8.50 Lakh HDFC Multicap fund 26k monthly SIP. HDFC Nifty 50 index fund 4k sip Jio BlackRock Flexi cap fund 18k sip just started. LIC and TATA AIA 8k monthly plan And Want to start 12k SIP in small & midcap fund. Target is 5 crore for retirement and want to achieve asap. Plz suggest if my allocations are correct and how I can achieve my goals as earliest
Ans: Hi Vijay,

You are right in saying that there is no job security. One needs to be prepared for times ahead.

- PF - continue this investment.
- PPF - not of use to you, hence contibute bare minimum of 500 only once a year to keep the account active. Instead redirect the 12.5k monhly to aggressive mutual funds tto build wealth.
- FD - for emergecny fund - good hold.
- LIC and Tata AIA - policies like these are of no use , usually give 4-5% return and lock your money. Try to surrender if not at loss and reinvest into balanced funds.
- MF - current SIP 48k with total corpus of 8.5 lakhs till now. The current funds are average and overlapping. Need reallocation. And want to take your monthly investment to 60k.

Consider investing in 4 funds - 1 largecap, 1 midcap, 1 smallcap and 1 flexicap - 15k each.

If you decide to stop PPF contribution and LIC tata policies - redirect those 20.5k per month to momentum funds.

Achieving it fast is very tough. Slowly and consistently - you can achieve this target of 5 crores in next 14 years with 10% annual stepup. And if you add additional 20.5k per month into contribution, this can be achieved in 12.5 years.

You can also a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 12, 2025

Relationship
Hello Sir, I'm really struggling with my family's behavior after my arranged marriage. They pushed me into it, and now they're constantly guilt-tripping me and badmouthing my wife and her family. It's getting really tough to handle, and I'm feeling overwhelmed. Can you please offer some advice on how to deal with this situation? I just want to be happy and have my family's support.
Ans: Dear Suraj,
I understand how difficult it must be when your family is giving you a hard time, especially when your wife is also suffering because of it. It is important to stand up for your partner if you think they are being unfair to her. It is important to set a boundary from the very beginning. Politely tell your family that while you love and respect them very much, you neither appreciate nor will tolerate this unfair treatment from them. Tell them that you expect their support, you expect them to love your wife as much as they love you, and most importantly, you never expected them to behave in this manner. Let them know how much their behavior has affected you. Sometimes people don’t understand that they are hurting someone with their words. And saying all these might create a little conflict, but it is important to stand up for what’s right, even if it is to family.

Other than that, communicate with your wife. Let her know that you are by her side and you realize that for no fault of her own she is suffering because of your family’s treatment and you are very sorry for that. Sometimes, even a few kind words from your partner can improve a situation.

Hope this helps.

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Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Oct 12, 2025Hindi
Money
I am 55 years old and expecting a monthly expenses of INR 2.00 lacs post retirement at age 58 [i.e. after 3 years from now]. I have following investment as of now: [i] Monthly SIP of INR 3.5 lacs, expecting to continue till age 58. [ii] Present MF corpus stand at INR 2.08 crore [investment amt INR 1.34 crore [iii] FD for INR 1.00 crore @6.75% [iv] Equity Direct INR 45.0 lacs [v] CG Bonds INR 19 lacs, maturity 2029 [vi] Life Insurance INR 30.0 lacs, coverage till 65 years [v] Family floater Health Insurance INR 10.0 lacs - covering self & spouse [vi] One vacant plot - market value INR 2.25 crore [vii] 3 flats - market value INR 3.0 crore , all rented out generating rental of INR 6.0 lacs p.a. [viii] 1 under construction flat - Paid INR 50 lacs, remaining amt to be paid INR 1.5 crore - expected to be met by salary saving - no debt [ix] Gold - physical - INR 25.0 lacs [x] Liability towards 2 sons education - INR 1.5 crore spread over next 4 years and their marriages - INR 1.0 crore [xi] Personal Loan outstanding INR 50.0 lacs. Investment in MF is spread over small cap - 40%, mid-cap - 30%, large cap - 10%, Flexi Cap - 20%. Need your guidance towards (a) existing investment capability to generate a post-tax income of INR 2.0 lacs p.m. for next 30 years (b) if its not suitable, whats your advice to balance the existing investment or any additional investment required?
Ans: Hi,

You are on the right path towards a steady and comfortable retirement after 3 years. Let us assess the entire financial one at a time.

1. Current MF corpus - 2.08 crore with ongoing monthly SIP of 3.5 lakhs. It will become 4.25 crores at your age of 58 if you continue investing.
2. FD - 1 crore. This entire amount can be treated as your emergency fund. Although use 50% of this fund to close your personal loan.
3. Direct equity - 45 lakhs. You can consider moving this entire allocation to mutual funds as direct equity investment is quite risky if you do not much about it.
4. CG Bonds - good debt investment option.
5. Life and health insurance - can increase the covers, specially now when you have time. Post retirment would be difficult for you.
6. 3 Flats worth 3 cr - with monthly rental income of 50k.
7. Plot worth 2.25 crores and Flat which will be fully paid before retirement from salary.
8. Physical Gold - good to carry.
9. Personal loan - 50 lakhs. Consider closing it using amount from your FD.

Goals:
1. Sons education - 1.5 crores
2. Sons marriage - 1 crore
3. Post-Retirement income - 2 lakhs monthly

- For education and marriage goal, you can consider tossing your plot valued at 2.25 crores and invest the amount in balanced funds. These will be more than enough for both goals for your 2 sons.
- Retirement - The MF corpus and stocks would be sufficient to fund your retirement in addition to your rental income. You will also get your PF and gratuity while retiring. These will fund your retirement in initial 5 years.
- For later years, post the age of 63, start SWP from your MF portfolio wrt your expenses (inflation adjusted).
- Work with a professional to reallocate the funds in your current portfolio so as to fund your retirment wrt to retirment strategy.
- Refrain from buying any policy to lock-in your funds.
- A professional can design a bucket strategy for your mutual fund corpus. This way, you will get your monthly expenses and the rest portfolio keeps on growing. This fund will never end and you will leave a great fortune for your kids.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Nov 06, 2025Hindi
Money
Respected Experts, My monthly mutual fund investments at the moment is Rs. 40000 (total SIP gradually increased over past years) which I have been doing for the last 7 and half years. I am 42 yr old. My total portfolio value till now is around Rs. 42,50,000. I want to create a corpus of around 2.5 Crore in the next 10 years. 1. HDFC Children's Gift Fund - (Lock-in) - Regular Plan - Rs. 10000. 2. ICICI Prudential Midcap Fund - Direct Growth - Rs. 5000 3. ICICI Prudential Multicap Fund - Growth - Rs. 2000 4. Axis Large Cap Fund - Regular Growth - Rs. 4500 5. Axis Focussed 25 Fund - Regular Growth - Rs. 2000 6. SBI Focussed Equity Fund - Regular Growth - Rs. 4500 7. Invesco India Small Cap Fund - Regular Growth - Rs. 5000 8. Edelweiss Multi Cap Fund - Regular Growth - Rs. 7000 I want to increase the SIP of around Rs. 10000 in my mutual funds now to make total SIP value of Rs. 50000. I am thinking about increasing Rs. 7000 in Axis Large Cap Fund (which will take its total Sip value to Rs. 11500) and Rs. 3000 in Axis Focussed Fund (which will take its total Sip value to Rs. 5000). Kindly suggest me following two points: 1) Possibility of creating a corpus of around 2.5 Crore in the next 10 years with these funds and what should be the right yearly increase in my SIP value. 2) Increasing of SIP of Rs. 7000 in Axis Large Cap Fund and Rs. 3000 in Axis Focussed Fund is right choice or should I increase in my other mutual funds. Your expert opinion will be appreciated.
Ans: Hi,

At the age of 42, you are headig in right direction. And I really appreciate your dedication in investing for past 7.5 years and creating an amazing corpus for yourself.
Currently you are investing 40k monthly in mutual funds and want to increase it to 50k per month which is a very good decision as step-up SIP can make a huge positive impact in your wealth creation.

- If you continue investing at this pace, with a monthly investment of 50k for next 10 years, you can easily achieve 2.5 crores with a CAGR of 13%. And if you step-up with 10% yearly investment, you can get more than 3 crores after 10 years.
- However the funds you mentioned are lil overlapping. It needs some minor re-allocation. You have 2 multi cap funds and 2 focused funds. You can keep one of both the funds.
- Increasing 10k SIP - Add 3500 to Axis Largecap (total 8000), 6500 in good Momentum fund.

As your portfolio size is quite big, it would be really better for you to work with a professional who reviews your portfolio periodically and changes it as per the requirement.
Hence a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2025

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