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Wife's anger, infidelity & disrespect. How to save my marriage?

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 18, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Oct 14, 2024Hindi
Relationship

Hi dear Anu Krishna Madam, I am a regular reader of your suggestions and answers on the questions of relationships since long. You are doing a great work to solve the complications of people's life. I have a long story actually, thanks to you in advance for your patience in reading this. I am male 36 YO, married and having a 4 YO daughter. Mandatory to mention here that I have mother who is dependent on me financially as my father passed away years ago. My relationship with my not been since starting as we got married in 2015. She is having serious anger issues and starts fighting on even little things. She is not very inclined to my mother and my younger sister who got married in 2018 and staying in UK with her husband. My wife is always complaining for one thing or the other. I am working for Central Government and earning well but she is never satisfied and keeps on complaining that my brother in law (sister's husband) is better husband or sometimes compare with other men. I always to fulfil all the requirements financially as well as taking care of baby, helping in household chores but she is never a happy woman. I send my mother and amount of Rs 10000 per month as no one is there to take care of her, mother stays at our hometown and I along with my wife and daughter stays at my work place city. I had to finance the marriage of my younger sister also as my father passed away when the both of us siblings were of age 7 and 3, this was told before my marriage to the family of wife as well as her that this will be required to be managed by me financially. But she complains of this also that I have spent this much money on my sister and mother. I am earning from a young age of 18 years but I don't find any peace at home. I am working like a machine, earning and then she is saying bad things to me all the time. She shouts loudly when fighting so that neighbours also listen and I find it very shameful. Her behaviour towards our daughter also changes frequently and she treats her according to her mood. My mother is not staying with us as when she stayed here for 6-8 months due to her health related issues, she started fighting with my mother also and created huge scenes every now and then. My wife's only attachment is with her own family, her mother, father, unmarried elder sister and unmarried elder brother. Her both the siblings couldn't find suitable matches for themselves, this is also creating a stress for my wife and she in the end throws her frustration on me. She and my self have both tried to commit suicide 2-3 times in the fight on different occasions. Last year she met a younger boy of age 26-27 and they both got attracted to each other. I was along with her and I noticed them smiling at each other at a function. I asked my wife and said to her that if you want to you can ask and talk to that boy. Means I told her to have an open marriage, in the hope that this will atleast make her realise that my husband is happy in my happiness. They both started talking and even met on 3-4 occasions and 2-3 of them secret meetings at our home (only i knew that I didn't pointed out) with physical intimacy. Now due to some unknown reason both my wife and that boy are not talking to each other. Her behaviour had been very rude since that boy came to her life and she never realised that my husband is not pointing out this infidelity also. Now, when that boy is also not there, her disrespect towards me is increasing day by day. She starts fighting even at streets and shouting loudly. I have also given a thought for legal separation but due to my daughter I am not going ahead. I am in a very complex situation and don't understand what to do. How i can make her understand that relationship runs on two people. Please guide me further. One more thing to mention here she is not interested to go for councelling or anything like that. Thanks in advance. Regards.

Ans: Dear Anonymous,
Your wife is perhaps one of those people who choose to see what's not happening rather than what good is actually happening. It's just a habit that can destroy their peace of mind and of those around them.
You are caught around her drama where she tries to find her happiness all around her when she can perfectly find it within the marriage. So, if there's something small that upsets her at home or does not go according to the way she thinks it should, instead of talking about it to you, she is someone who will find a way out outside and in things that can instantly make her feel better. That 27-year-old has ended up becoming some sort of a distraction and by you allowing it to go further whatever happens or doesn't will be blamed on you.
She's acting like a child in need of attention, incapable of addressing her own emotions, distracting herself with a new toy and then crying out creating drama around it all and oh, blaming you when things go wrong.
Got the picture, here? So, the way out is to actually take her to a professional who can guide her to regulate her thoughts an =d actually infuse her back into a family system. It's possible that her maternal home did not provide a great example in this regard...you might know better...
You can try and get through to her by requesting her to step in for your child's sake else the marriage can deteriorate further...So, give it a try.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Oct 18, 2024 | Answered on Oct 18, 2024
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Thanks Anu Ma'am for you valueable response and suggestion. I will again give it a try to take her to professional who can councel her and guide for infusion into a family system. Yes, her maternal home don't provide a great smooth family relationships as her mother always complains about her Late mother in law and husband (my father in law). She always says that my father in law has given all his 15 years earned money from a govt job to his mother (my wife's Daadi). The same pattern of complaining is being followed here also about my mother, though I spend a little portion of (10%) of my income on my mother's care. But still I also listens this type of taunts. The other things you had said that with that 27 year old guy whatever happened will be blamed on me, yes, this has already happened she is saying that she met that guy only after my insistence but the truth is they both were getting attracted and smiling at each other before my go ahead. I definitely want to stay in this marriage for my daughter's sake and will give it a try as per your suggestion. Thank you once again.
Ans: Dear Anonymous,
Thank you for your reply. I can only wish you the best in your efforts of making a humble appeal with your wife to bring the marriage back together.

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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My wife has said that she will keep no relation with my family and i should not keep any relation with her family. This happened as my mother on law always supporter her..She is late for everything and which triggers my anger. I have always supported her but in the past i had friends who used to make me drink and travel leaving her all alone.I have already left the past. She is working now but does not support in running the family expense. She is 41 & i am 47 now. Our marriage has been is now completed 19 years. I have to bear all the expenses of the family like Son's school fees etc. She sometimes incurs her medical expenses. I am not at all happy as she is does not disclose anything to me and always thinks that my family is after her and says that they do some black magic etc...I am planning to bring my father as he is 80 years old but he is fearing that if he comes then there will be a dispute in my family. Should i ask to share the family expenses as this is eating out all my savings. Please guide me ...I am very unhappy.
Ans: Dear Trilok,

An open discussion might help in your case. I am sure you have tried explaining your grievances to your wife, but try it one more time. But instead of making your statements like, "your actions make me so frustrated," try to make her your ally with I statements, for instance, "I feel so frustrated because of everything that's going on; I really need you in my corner." What this does is tickles the other person's ego by making them feel needed; it just might do the trick.

Express your thoughts politely, without ever losing control of your tongue, and make your wife understand that you are partners and equals, hence both are responsible for the wellbeing of your family, not just you alone.

Best Wishes!

..Read more

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Asked by Anonymous - Apr 06, 2023Hindi
Relationship
Dear Anu I am a 46 year old man .. married for last 16 years... My wife is well educated but a house wife by choice.. I lost my father when i was 18 and had struggled a lot to gain a great life in terms of money, name in my field and satisfaction at work. At home front we live a nuclear family... me, my wife and my 12 year daughter. But after my marriage in 2006 for next 6/7 years we were in joint family. my daughter was born in 2010.. In joint family me, my younger brother his wife and my mother were members... during these years, my wife never got along with my mother, brother and his wife... and also had fights [severe kind] where she accused them for petty reason...she demanded separate house within 3 month of marriage.. but since I was not financially settled so I promised her we will buy own home in course of time... but over these 6&7 years her behavior started really erratic.. she stopped talking to everyone, and keep fighting with all my family. also the house with joint family owned my me and younger brother... she demanded i should sell the house and get my share to buy own house. which i refused as my brother and his family with my mother were also staying there... and while buying it my mother had helped us financially, without having her name as owner. over the period things became really bitter... we also had fights where out of anger I happened to slap her.. but as promised I bought another house [with lot of efforts since i m self employee] within 5/6 years and we shifted to another city around our previous house. but after shifting she had the same temperament. She never got along with me.. Over an argument she would stop talking to me, and when confronted she would mention about my share in old house which i left... she was not happy seeing my brother living in that house with his family and my mother... i told her as promised we bought this house and I haven't withdrew my share in that house.. may be over the year i will take my share as per market value.. but at this point we don't need to do it.. since it will involve a lot of turbulence for my brother, his family and my mother as they were settled there. so I strongly told her she should not think about as she have her house and focus on it. Over these time, we had a very cute daughter... growing.. her schooling started.. i got busy with my work... and my wife by choice chose to be house wife... taking care of house... but she was hell bent on the house issue over selling it and taking my share.. and due to that we had several fights... which became my life miserable. her point was why pay EMI when you can get share and pay off the loans for new house. in these 8/9 years she became bitter person... no ties with my relatives /cousins, no friends, never got along with neighbors... and opposite to that i have very cordial relation with her family, cousins, my family and have great social circle. when my daughter was 10 year old, i was already settled with good career and financial status... i had cleared all the home loan for our new home... i did everything all out to make her happier but her wish to sell that house where my brother with his wife and my mother i didn't take share or sell it.. and she keeps nagging me with that and her temperament getting worst... now she started accusing me for having an affair and threatening me that she will complain police if i argue with her. unfortunately my daughter had to see this... but my daughter is very sorted, focused and a good kid. In last 2 years i managed to buy another house, which is bigger, where we shifted 1.5 years back, she wanted to do a puja and refused to invite anyone from my family.. also bought one more house as investment.. and a farm too as second home... Im very happy and satisfied with my career and other aspects of life... but the bitterness of wife kept on increasing... sometimes i felt she wanted me to fail and she could just take the pleasure of making me feel how she was right.. which never happened.. Now she is completely out of touch with my family... her anger triggers when i speak to my brother , my mom, Now over these years my brother also managed to earn some money and he paid me an amount as part of my share for the house he is living.. which we mutually agreed among us... and i withdrew my name from that property... i informed this to my wife.. first she didnt believe.. and then she was not interested in it.. so basically over these years i managed to fulfil everything what i promised also took my share from the joint house even i was not very happy with that situation. but all these incidences.. my wife became a difficult person to deal with... be it talking a simple conversation or smallest issue.. we don't have any physical relation .... we sleep in different bedrooms.. my wife also became too possessive and control freak with my daughter.. my daughter is 12 now and she retaliate with it.. so even they keep fighting now... me and my daughter have a great bonding... over these period i started feeling that i married a wrong person.. sometimes i think of divorce but i m worried about my daughter.. and also lot other things as im 45 already.. i wont say that i have never done any mistake while these 16 years but i never chose to disconnect with my wife... i worked really hard to earn money to build a good fortune for my wife and daughter... but looks like she doesn't care... and she takes me completely for granted... she thinks i wont leave her and will be stuck around.. i also advised to visit a therapist or counselor... or join a meditation or do anything she likes to do... be it creative or extra curricular.. but she just ignores it... i am into creative field and this domestic chaos sometimes really bothers me. it never effected my work yet but i m worried it might just. Let me know your opinion... if there is something i can do more to help this mess with my wife.
Ans: Dear Anonymous,
Clearly your wife has a streak of wanting people to want her, literally where it comes off as her being possessive of them (I gather this from what you have shared). I only have a one-sided view and don't know fully well why your wife chooses to be possessive.
She does not want to share you or what you earn with your family; it only suggests that she is worried about losing both. It may seem like they are unfounded fears but they exist in real for her.
Obviously your pleas to see a counselor will better her life and it is easier to stay where she is as nothing needs to change. It seems relatively clear that she fears LOSING!
How this got there or did it become even more evident because of the tussles between your family and her; no one knows. You would not completely know what transpired between your wife and your family; but something has triggered within her to hold on to her beliefs.
Anyway, it is difficult to be where you are; but the only way out is to have a person that is neutral to handle this. It could be a mutual friend, a senior member of her side of the family, a person that she idolizes...anyone who can in a very unbiased manner approach the situation and bring out the fears.
In the meantime, you can spend more time with your daughter and give her a sense of protection and care and at the same time ensuring that she empathizes with her mother. Matters like these can go sour overnight and YES, you have held on so long, give it some more time but do facilitate the neutral person to do an Intervention ASAP.

All the best!

..Read more

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

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Relationship
Hi Madam, I am married (arrange marriage) for 10 years with a son of 8 years, I am middle class person and giving Home loan EMI also, because of which no money is saved. My problem is that my wife always demands money and fights for it. She is all aware of my income and expenditures of every month (I have prepared a list and shares with her). I have no habits of alcohol or smoking, but she always fights with me that I spends money on my bad habits and on friends. She always say that you don't take me outside , don't spend on me and blah blah...(I do take her to movies and wherever she wants to go with me or with her friends). She is very short tempered that I avoids talking to her but she finds a chance for fight. For her demands, I left my parental flat and mother and lived with her in a rented house for 5 years and now purchased an independent home also. But, I am fed up of her demands and fights. She even fights when our son is around and even comes near my body as if she wants to hurt me....(although we never had a physical fight). I am very afraid. For your information, she also works as a teacher in a private nursery school (pays half of our home loan EMI) and she is from village background. My father expired long back and mother is living with my younger brother. I even don't meet my close friends frequently (once or twice in a month) because of her fear, as when I meet them she fights on this issue also. I want peace in my life. Kindly help.
Ans: Dear Sunil,
This needs a bit more of finding out what exactly is going on? What is the root cause of anger and the blame game with your wife?
Whatever I suggest will just be a BAND-AID solution and things will flare up yet again. There is deep-seated anger and insecurities rising (from what I understand from you.
The only thing I can say is; spend time with her on an emotional level and maybe this will ease her emotional highs and lows. But, I do feel it is time to have an intervention where as a Couple you are given to tools to work on your relationship.
Do see an expert who specializes in marriage therapy/counseling. They will be able to guide you in a very structured fashion as to how to re-start and re-build your marriage.

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

Anu

Anu Krishna  |1769 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 27, 2024

Asked by Anonymous - Jul 27, 2024Hindi
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Relationship
Hi Anu, I am married for 3 years and having 1 year baby boy. My marriage was fixed at matrimony site. After registration my wife used to tell me that she will spent most of her time at her home with her father and mother which is only 5 km within my home. After marriage she used to stay at her father's house almost 9 months in a year and only 2-3 months intermittent break she used to visit my house. She used to made me buy expensive washing machine and other house hold items inspite of having one already there, keep Cooking maid etc. When most of the time she is not staying with me I feel these are all my money wastage. Now she is forcing me to keep all time maid. My salary is only 50k , how can I manage all these expenses and her demand and even after meeting all these she is not staying with me and used to spent all the time at her father's flat. When I say to stay with me she used to give lot of excuses, She and both her parents had visited multiple times in my house before marriage and well aware that my kitchen setup is at first floor and not on second floor and other house hold arrangement. She used to take my baby boy with her for long period of time like 5-6 months and then come for 2-3 weeks and then again went away. We feel we are going distant apart and thinking to drag her and family in Magistrate court to seek right to conjugal life and her directly in court whether she would like to stay with me in my house or at father's place. Needless to say I used to bear all her expenses even she is staying at her father's house and I am staying alone and leading batchelor life. Please suggest.
Ans: Dear Anonymous,
Clearly your wife and her parents have not understood that marriage means staying together under the same roof as a couple and going through the highs and lows that come along the way.
If your wife intends to come to live in your home like it's a PG, then ask her to bear half the cost of all that is being bought. Maybe then that will drive sense inside of her.
On the other hand, what is the reason that she is so unwilling to stay longer periods with you? Have you tried to ask her this? I can only suggest:
- ask a two elder family members from both sides to step in and intervene
- go for couples therapy which will help both of you focus on the marriage as husband and wife

This can be a start point and then you can evaluate based on how things turn out...

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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Asked by Anonymous - Mar 04, 2026Hindi
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My Daughter is in 12th currently and has completed her 1st Jee attempt and has scored 78.82 she will be attending the 2nd attempt in April. I want her to do well in her CBSE boards and join a good college in Bangalore where we reside taking the subject of her choice. However she is bent upon taking a drop this year which we feel is not a good idea considering her 1st attempt scores. She says she is willing to join any college even after taking a drop and if she is not able to score well which I feel is wasting 1 years of her academics. Kindly advise or suggest what is right for her please.
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First of all I must appreciate your thought of not wasting 1 years through Gap/Drop. Its absolutely meaningless and even creates future bad consequences for abroad education or opportunity. We are not in a position to justify our gap. Anyhow you have mentioned her JEE 1st attempt result. It shows that either her study is moderate in PCM subjects or she can make her career in remaining 16 career clusters. If it was 95 and above in her 1st attempt, she could make more good in her 2nd JEE attempt.
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Ramalingam Kalirajan  |11053 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 05, 2026

Money
I hv a lic jeevan suraksha policy which started in 2001 and ended in 2006. I am 78 years. Should I surrender or keep it till I am alive.
Ans: You have maintained a policy from 2001. That shows discipline. At age 78, the focus should now be income stability, simplicity, and peace of mind.

Let us understand this clearly.

» Understanding Your Policy Status

– Policy started in 2001
– Premium payment ended in 2006
– Now you are 78 years

So this is a fully paid-up policy. You are not paying anything now.

Main question is:
Does it give regular income?
Or does it give only maturity or death benefit?

This clarity is very important before deciding.

» If It Is Giving Lifetime Pension

If the policy is giving you regular pension income:

– Continue it
– Do not surrender
– At 78, guaranteed income is valuable
– Market-linked reinvestment may not be suitable

Because at this age, capital safety is more important than return.

» If It Is Only Giving Lump Sum on Death

If it is only a small death benefit and no income:

– Check surrender value
– Compare surrender value with death benefit

At 78, insurance need is almost zero. Your dependents may not need life cover now.

In such case:

– If surrender value is reasonable, you may consider surrender
– Amount can be moved to safe income generating instrument
– Keep liquidity for medical and personal expenses

» Important Questions to Ask LIC

Before taking decision, confirm:

– What is current surrender value?
– What is paid-up sum assured?
– Any bonuses accumulated?
– What is death benefit amount?

Take a written statement.

» Health and Liquidity Consideration

At 78:

– Medical expenses can increase suddenly
– Emergency liquidity is very important
– Keep money easily accessible

Do not lock money unnecessarily.

» Emotional Aspect

Many people keep old policies because of emotional attachment. That is natural.

But decision should be practical:

– Is it serving purpose?
– Is it giving meaningful income?
– Or is it just lying idle?

» Final Insights

If policy is giving steady lifetime pension, continue peacefully.

If it is only small death cover with low benefit, surrender and move funds into:

– Bank fixed deposits
– Short-term debt mutual funds
– Senior citizen savings schemes

At this stage of life, simplicity and liquidity matter more than return.

You have already built assets over many years. Now the goal is protection and comfort.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |11053 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 05, 2026

Money
Dear Sir, I (aged 60 yrs) have a Plan for my daughter marriage during June 2027. I have various mutual funds under the category of Small, Mid, Large and Agg Hybrids, Thematics which have a decent as well as moderate returns. How & When to Plan to withdraw Rs 25 lacs safely from them and kept for marriage time and Where to park it to get further helathy returns upto that period? Help me for the roadmap to withdraw and kept safely. Thqs in adv for the reply.
Ans: You have planned in advance for your daughter’s marriage. That shows responsibility and clarity. At age 60, protecting capital is more important than chasing return. Now your focus must be safety first, growth next.

June 2027 is not very far. So we must reduce risk step by step.

» Understanding the Time Frame

– Today to June 2027 is roughly around 1.5 to 2 years
– This is short-term period
– Equity markets can be volatile in this time

Since the goal date is fixed, we cannot take risk of market fall just before marriage.

» Risk in Your Current Portfolio

You mentioned:

– Small cap funds
– Mid cap funds
– Large cap funds
– Aggressive hybrid funds
– Thematic funds

Small cap and thematic funds are highly volatile. Even mid cap can fall sharply in short period.

If market corrects 20% to 30%, your marriage corpus may get disturbed. That risk is not acceptable now.

» When to Start Withdrawal

Do not wait till 2027.

Start systematic withdrawal planning from now itself.

Roadmap:

– Immediately identify the funds which have highest volatility (small cap, thematic)
– Start redeeming them first
– Gradually shift large cap and hybrid funds also

Complete full shifting at least 9 to 12 months before marriage.

By mid 2026, the full Rs 25 lakhs should be in safe instruments.

» How to Withdraw Smartly

– Redeem in phased manner over next 6 to 9 months
– Avoid withdrawing entire amount in one day
– Use market rallies to redeem

Also keep taxation in mind:

– Equity LTCG above Rs 1.25 lakh taxed at 12.5%
– Equity STCG taxed at 20%

Plan redemption in such a way that tax impact is controlled. Spread across financial years if needed.

» Where to Park the Money Safely

Since goal is short term, safety is priority.

Suitable parking options:

– Short duration debt mutual funds
– Money market funds
– Bank fixed deposits (laddered maturity)
– Senior citizen savings schemes (if liquidity allows)

Debt mutual funds are more flexible than FD. But remember:

– Debt fund gains taxed as per your income slab

So if your tax slab is high, compare with FD post-tax return before deciding.

» Should You Continue in Equity Till 2027?

No.

Equity is good for long-term wealth. But for fixed event like marriage, equity is risky.

Marriage date will not change based on market condition. So capital protection is key.

» Liquidity Planning

– Keep at least 3 to 6 months of marriage expenses in savings account by early 2027
– Keep rest in short-term instrument maturing near wedding date

This avoids last minute stress.

» 360 Degree Check

Apart from marriage fund, ensure:

– Emergency fund separate and untouched
– Health insurance adequate at age 60
– Retirement corpus not disturbed for marriage

Very important point:
Do not compromise your retirement comfort for one-time event.

Children’s marriage is important. But your lifetime income security is more important.

» Finally

Your action plan should be:

– Start gradual redemption now
– Exit high-risk funds first
– Move full Rs 25 lakhs to safe instruments by mid 2026
– Focus on capital protection, not high return
– Keep liquidity ready before event

If executed properly, you will attend your daughter’s marriage peacefully, without worrying about market conditions.

That peace of mind is more valuable than extra return.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |11053 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 05, 2026

Money
Hi Sir, i am Accountant, i am married , i have one kid with age of 3, now i am planing to add some funds in my portfolio, can you advice is this correct. 1 .icici produncial blue chip fund 2 . zerodha nifty 250 elss fund 3 . parag parik flexicap fund 4. axix gold and silver fund can i go long term this funds or need to rebalance my protfolio, if rebalance what fund you suggest.
Ans: You are thinking about adding quality funds at a young age. That itself is a very good step. As an Accountant, you already understand numbers. Now we must make sure your portfolio structure supports your family goals — especially with a 3-year-old child.

Let us review your selection carefully.

» Understanding the Current Fund Choices

You have selected:

– Large cap fund
– Nifty 250 ELSS fund
– Flexi cap fund
– Gold and silver fund

This shows you want diversification. That is good. But we must see whether the combination is efficient or overlapping.

» Large Cap Fund

A large cap fund gives stability. It invests in top companies.

– Suitable for long-term wealth creation
– Lower volatility compared to mid and small cap
– Good core portfolio fund

You can continue this for long term.

» ELSS Fund (Nifty 250 based)

This is an index-based ELSS fund.

Here I want to explain clearly:

Disadvantages of index-based funds:
– They simply copy the index. No active decision making.
– No downside protection during market fall.
– You will always get average returns, never better than index.
– In falling markets, no fund manager strategy to protect capital.

Benefits of actively managed funds over index funds:
– Fund manager selects quality stocks.
– Can reduce exposure to risky sectors.
– Can hold cash in extreme conditions.
– Aim to generate alpha (extra return over index).

Since you are investing for long-term goals like child education and retirement, active management is better suited.

So instead of index-based ELSS, you may consider an actively managed diversified equity fund (if tax saving is required, choose active ELSS only).

» Flexi Cap Fund

This is a strong category for long-term investors.

– Freedom to move between large, mid, small caps
– Dynamic allocation based on market conditions
– Good for 10+ year goals

You can continue this as core growth engine.

» Gold and Silver Fund

Gold and silver are not growth assets. They are hedging assets.

– Good for risk control
– Protects during equity crash
– But long-term return is lower than equity

Keep allocation limited. Around 5% to 10% of portfolio is enough. Do not over allocate.

» Portfolio Overlap & Balance

Current structure is heavy in large cap and diversified equity. That is fine.

But you are missing:

– Dedicated mid cap exposure
– Dedicated small cap exposure (if risk appetite allows)
– Debt allocation for stability

Since you have a small child, safety bucket is important.

You should structure portfolio like this:

– 50% to 60% core diversified equity (large + flexi cap)
– 20% to 25% mid cap fund (active)
– 5% to 10% small cap fund (only if you can tolerate volatility)
– 10% to 20% debt fund or safe instrument for stability
– 5% to 10% gold

This creates proper balance.

» Rebalancing Strategy

– Review once in a year
– If any category grows too much, bring it back to original allocation
– Rebalance slowly, not frequently

Also remember taxation:

– Equity LTCG above Rs 1.25 lakh taxed at 12.5%
– Equity STCG taxed at 20%

So avoid unnecessary churn.

» Important 360-Degree Checks

Before adding new funds, ensure:

– Emergency fund of at least 6 months expenses
– Adequate term insurance
– Health insurance for full family
– Child education goal planning
– Retirement planning

Investment is only one part of financial planning.

» Finally

Your fund selection shows maturity. Only small corrections are needed:

– Replace index-based ELSS with active diversified fund
– Add mid cap exposure
– Keep gold limited
– Add some debt stability

With disciplined SIP and annual review, you can comfortably build wealth for your child’s future and your retirement.

Stay consistent. Long-term wealth is created by discipline, not excitement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |11053 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 05, 2026

Money
my age is 38 i have a 5 year old boy and planning for 2nd baby next year. Having monthly family income of 50k. how should i allocate for expenses and investment for retirement as well as for kids education , marriage and a house of 1 crore in next 5 years. Having aged parents also living with me.
Ans: It is great that you are thinking about your family's future at 38. Taking care of aged parents while planning for a second child shows a lot of heart and responsibility. Your desire to provide a Rs. 1 crore house and secure your children's life is a big goal, and having this clarity now is the first step toward making it happen.

» Understanding your current situation

Your monthly income is Rs. 50k. You have a 5-year-old son, a baby on the way, and elderly parents. This means your money has to do many things at once. A 360-degree plan is needed to balance daily bills with your big dreams. Since your income is fixed for now, we must be very careful about how every rupee is spent.

» Managing monthly expenses and emergency funds

With a growing family, your monthly costs for food, medicine for parents, and school fees will go up. It is important to keep aside some money for emergencies first. This should be at least six months of your expenses in a safe place. This protects your family if something unexpected happens, so you do not have to stop your investments.

» Protecting your family with insurance

Before investing, you must have pure term life insurance and a good health insurance policy. Since you have aged parents and a young child, a medical emergency could hurt your savings. Having a separate health cover for your parents and a family floater for your wife and kids is very important. This ensures your investment plan for the house and education stays on track.

» Planning for the Rs. 1 crore house

Buying a Rs. 1 crore house in 5 years is a very large goal for an income of Rs. 50k per month. To reach this, you would need to save a very high amount every month, which might be hard with your current expenses. You may need to look at increasing your income or extending the time to buy the house. Investing in growth-oriented assets through a Certified Financial Planner can help your money grow faster than a bank account.

» Saving for kids education and marriage

Your 5-year-old will need money for higher studies in about 12 to 13 years. The second baby will need it much later. Using actively managed mutual funds is a good way to build this wealth. These funds have experts who pick the best stocks to beat the market. By starting now, even with small amounts, the power of compounding will help you build a big fund for their college and weddings.

» Building a retirement nest egg

Retirement is a goal you cannot take a loan for. Since you are 38, you have about 20 years to save. You should not ignore this while planning for your kids. Investing in diversified equity funds through a regular plan with a Certified Financial Planner ensures you stay disciplined. They help you review your portfolio and make changes when the market shifts, which is hard to do on your own.

» Why actively managed funds over other options

Some people think about low-cost index options, but they just follow the market and don't try to do better. In a growing country like India, active fund managers can find great companies that grow much faster than the average. This extra growth is very important when you have big goals like a Rs. 1 crore house. Also, using a regular plan through a MFD with a Certified Financial Planner gives you the right guidance to avoid emotional mistakes during market ups and downs.

» Tax rules to remember

When you eventually sell your equity fund units to pay for the house or education, remember the tax rules. If you keep them for more than a year, profit above Rs. 1.25 lakh is taxed at 12.5%. If you sell before a year, the tax is 20%. For any debt-based funds, the tax is based on your total income slab. A Certified Financial Planner can help you plan your withdrawals to pay the least amount of tax.

» Finally

Your goals are big and show your love for your family. While Rs. 50k income makes a Rs. 1 crore house in 5 years very tough, starting the right investment habits today will move you closer to it. Focus on protecting your family first, then invest every possible rupee in actively managed funds. Over time, as your salary grows, you can increase your savings to match your dreams.

Would you like me to help you figure out how much you should save each month for each specific goal?

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Mayank

Mayank Chandel  |2638 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 04, 2026

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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