Hi Anu,
I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.
He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace.
He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different.
I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.
There is no progress in career because constantly we are under tensions.
My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind.
I don't know what happens to me. When he comes close to me I stop talking breaths.
We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.

Ans: Hello Smarth
Prefer CSE @ IPU if possible. The final decision will be yours.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: You both have laid a solid financial foundation. Your combined efforts show discipline and focus. Let’s build on this with a comprehensive 360-degree plan. We will examine assets, SIP strategy, insurance, debt, goals, and then fine-tune for retirement and future children’s needs.

Your Combined Financial Snapshot

Combined monthly income: Rs 1.8 lakh

Housing loan EMI: Rs 55,000 for 10 years

Liquid assets:

You: FD Rs 5 lakh, stocks Rs 1.5 lakh, MF Rs 3.7 lakh, EPF Rs 1.6 lakh

Spouse: FD Rs 10 lakh, MF SIP Rs 10,000, RD Rs 10,000

Monthly SIPs: You Rs 15,000 (MF) + Rs 5,000 (stocks); spouse Rs 10,000

RD total each: Rs 10,000 monthly each

Health insurance: Each Rs 4 lakh total (2 lakh self + 2 lakh employer)

Life insurance: Adequate cover

You both are 30, no kids currently, planning for retirement and children later.

Assessment of Current Asset Allocation

Equity exposure: Your SIP and stock holdings (~Rs 1 lakh monthly investment potential)

Debt exposure: FDs, RDs, EPF, loan EMI

Combined investments show good diversification

But future goals need more structured allocation

Housing Loan Impact and Cash Flow

EMI Rs 55,000 takes ~30% of income

Remaining Rs 1.25 lakh covers all expenses and savings

Liquid investments and SIPs still sustainable

Emergency fund must be maintained alongside EMI

Debt is well-managed but needs periodic review

Insurance Cover Sufficiency

Health cover Rs 4 lakh per person is decent now

Group cover may not renew post employment

Consider increasing health cover to Rs 10 lakh each

Add maternity or critical illness riders later

Life cover: you said it is sufficient

Ensure the total covers liabilities and dependents

Check that spouse’s premiums are stable

Emergency Fund and Liquidity

Current FDs and RDs total around Rs 15 lakh + EPF

Maintain liquid or ultra-short debt fund equal to 6–9 months’ expenses

Approx Rs 3 – 4 lakh

Excess FDs beyond liquidity can be reallocated

RDs are for fixed goals; leave them as is

SIP Strategy and Funds Review

Total SIPs: Rs 25,000 monthly (you + spouse)

Your stock SIP Rs 5,000 adds risk without guidance

Direct stock investing needs constant monitoring

Consider reducing or shifting to equity mutual funds

Equity mutual funds are better via regular plans

Direct plans lack advice and discipline

Regular plans via certified financial planner add value

Avoid index funds

They lack active risk management

Actively managed funds adapt to markets

Goals Overview

Retirement Corpus of Rs 3 crore

30 years horizon gives time for growth

Regular equity SIPs are essential

Goal-specific SIP structure recommended

Child Future / Education Funding

If planning kids in next 5–7 years, start small SIP bucket now

Link with periodic increase and aligned fund strategy

EMI and Debt-Free Timeline

EMI ends in 10 years

At that point, more investable surplus will free up

Asset Allocation Strategy

Given your horizon and risk, suggested allocation:

Equity Mutual Funds (via regular plans): 60%

Direct Stocks: 5% max

Debt Instruments (PPF, debt funds): 25%

Liquid / Emergency: 10%

Your current FDs and RDs act as debt and liquidity.
Eigenize reallocation gradually to align:

Keep RDs as debt/income bucket

Shift some FD surplus to equity via systematic transfer

Monitor equity weight annually

Goal-Wise Investment Structure

1. Retirement Goal (25–30 years)

Use multi-cap and flexi-cap active mutual funds (regular)

Allocate Rs 10,000–15,000 monthly initially

Increase SIP by Rs 1,000–2,000 annually or with raises

2. Child / Education Goal (if applicable)

Create separate SIP of Rs 5,000 monthly

Use hybrid or balanced funds for moderate return and risk

Increase as income grows

3. Liquidity & Debt Management

Keep Rs 3–4 lakh in liquid/ultra-short debt fund

RDs and EPF remain untouched for discipline

4. Direct Stocks

Limit to 5% max of total equity

Allocate through regular plan equity funds for core growth

Tax Efficiency and Capital Gain Management

Equity long-term gain taxed at 12.5% above Rs 1.25 lakh annually

Short-term gain taxed at 20%

Debt funds taxed as per slab rate

Redeem based on gain threshold to minimise tax

Using regular plans brings CFP guidance for timing

Annual Review and Rebalancing

Review fund performance yearly with your CFP

Rebalance allocation to maintain % split

Shift equity to debt as risk appetite changes or new goals arise

Avoid top-up changes during market peaks

Policy and Expense Monitoring

Track monthly expense; ensure it stays within Rs 55–60k

Evaluate FD interest vs inflation; many may underperform

Shift underperforming debt to better instruments with CFP help

Maintain healthy ratio between secured and growth assets

Scaling Your Plan Over Time

As EMI ends, redirect surplus to goal SIPs

Add retirement corpus SIP to utilize freed cash

Increase health insurance to Rs 10 lakh each

Consider child education needs when family grows

Final Insights

Your current savings habit and risk control are strong.
You both earn and save well, even after loan EMI.
Insurance needs enhancement, especially health cover.
Emergency fund creation is needed.
Asset rebalancing will align with your medium and long-term goals.
Regular SIPs, via CFP-managed plans, will support both retirement and future goals.
Gradual increase in SIP and insurance forms the backbone of your future financial stability.

With disciplined monitoring and structured planning, reaching a Rs 3 crore corpus is realistic.
Post-EMI, your surplus can accelerate this growth further.

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

Ans: Hello Jatin
Drop the idea of taking a drop. Go with CSE AI ML @ Chandigarh university. The final decision will be yours.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

Ans: Yes, your decision is correct.

Ans: Hello dear.
Prefer Mech @ SRM. The final decision will be yours.
Best of luck.
Follow me if you like the reply. Thanks
Radheshyam

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Ans: You have a stable government job and regular salary.

Monthly salary of Rs 1,35,000 is a good base.

No loans means strong financial health.

Monthly expenses are moderate, around Rs 40,000 to Rs 50,000.

This gives good surplus each month for investment.

You also earn Rs 14,500 as rental income.

It adds stability to your cash flow.

You already have Rs 16 lakhs in savings bank account.

Rs 8 lakhs is in FD.

Rs 17 lakhs in PPF is a strong tax-saving foundation.

NPS Tier 1 contribution of Rs 50,000 is tax efficient.

You are already doing many things right.

Emergency Fund and Liquidity Planning

You want to keep Rs 5-6 lakhs as emergency fund.

This is appropriate for your lifestyle.

Keep it in liquid or ultra-short term fund.

Avoid keeping too much in savings bank.

Rs 10 lakhs idle in bank is underperforming.

That money should earn more returns.

Do not lock entire amount in FD.

Keep part of it accessible in case of need.

Review of Current Mutual Fund Portfolio

You have invested in both active and index funds.

Older holdings:

Equity large-cap, mid-cap, flexicap are good for long term.

One credit risk fund is not needed now.

Credit risk category carries default risk.

Can exit gradually with support from MFD.

Recent SIPs include:

Multiple index funds and ETFs.

Smallcap and midcap exposure is high.

One fund of fund on gold and silver.

These need refinement.
Here are the observations:

Overlap across funds may lead to inefficiency.

Exposure to index funds brings limitations.

Index funds copy the market, give average returns.

No flexibility for active management during downturns.

They fail to capture superior opportunities.

Tracking error and sector weight imbalance are concerns.

During market corrections, they fall equally hard.

They work only in very long term, with patience.

Instead:

Active funds are managed by professionals.

They adjust portfolio based on market signals.

This helps reduce risk and increase potential gains.

MFD with CFP support will guide timely changes.

A few good active funds with long track record is better.

Regular review improves performance and control.

Gold and silver fund of fund:

Good as hedge, but not core holding.

Avoid making it more than 5% of portfolio.

Long-term return from gold is average.

Silver is more volatile.

Use for diversification, not wealth creation.

Direct funds are not mentioned.
But if you plan to switch in future:

Avoid direct mutual funds.

No advisor support for fund management.

You may miss rebalancing, exit points.

Regular plans via MFD give lifelong handholding.

Certified Financial Planner brings structured asset allocation.

Returns can be better after fees when decisions are guided.

Asset Allocation Strategy

You need balanced exposure across asset classes.

Here is a better structure:

Equity: Around 55-60%

Debt: Around 20-25%

PPF + NPS: Around 15-20%

Gold + silver: Around 5%

FD or Liquid fund: Emergency only

You can build core with 3-4 quality active equity funds:

One flexicap

One large and mid-cap

One midcap

One balanced advantage or hybrid

Add one conservative debt fund for stability.
Use MFD help to switch from overlapping or weak funds.

Avoid small SIPs in many funds.
Instead, consolidate into fewer focused funds.
Increase SIP amount where funds are performing.
Avoid frequent fund changes.
Follow 3+ year holding mindset.

Review of SIP Strategy

Current SIP of Rs 15,500 is good.
You can increase it now with available surplus.
You have capacity to increase it to Rs 25,000 to Rs 30,000 per month.
This will improve retirement corpus in next 10-12 years.
Avoid adding new schemes unless needed.
Use existing good performers and top them up.
Track fund returns every 6 months.
Exit underperformers in consultation with your MFD.

PPF and NPS Investment

PPF:

You contribute Rs 1.5 lakhs per year.

It is tax-free and safe.

Good for retirement planning.

Keep contributing till maturity.

Keep nomination updated.

NPS Tier 1:

Rs 50,000 per year is helpful for tax saving.

It is long term and low cost.

Exposure to equity can be adjusted.

Leave it as it is till 60.

NPS Tier 2:

Not recommended.

No tax benefit.

Lock-in flexibility is poor.

Better to use mutual funds instead.

SIPs in mutual funds are more liquid and transparent.

Your Housing Plan and Asset Liquidity

You want to buy a house after 5-6 years.
You also want to sell current one.
This is fine if it is need-based.
But don’t treat house as investment.
Don’t use too much of savings for it.
Try not to compromise on retirement fund.
Ensure liquidity and diversification stay intact.
Home buying should not disturb your financial independence.

Medical Coverage Planning

You are covered under government health scheme.
But personal health insurance is still advised.
Post-retirement, coverage may be limited or slow.
Private health cover will protect savings later.
Get Rs 10-15 lakh coverage with top-up now.
Premium is lower when taken earlier.
This helps in faster hospital support and wider coverage.
Medical cost is increasing every year.

Taxation on Mutual Fund Gains

Equity fund tax changed recently.

LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains are taxed at 20%.

For debt funds, all gains taxed at slab rate.

There is no indexation on debt anymore.

Plan redemptions smartly.
Use MFD support to plan gains in phases.
This avoids high tax in one year.
Avoid frequent buying and selling.
Stay invested for 3 years minimum in equity funds.

Recommendations for Rs 10 Lakh Surplus

From your Rs 16 lakh savings:

Rs 5-6 lakh to remain as emergency fund.

Use liquid fund or ultra-short duration fund.

FD gives low returns and poor liquidity.

Remaining Rs 10 lakh:

Invest Rs 5-6 lakh in 2-3 equity mutual funds.

Add Rs 2 lakh in hybrid or balanced advantage fund.

Keep Rs 1-2 lakh in debt mutual fund.

Spread lump sum over 3-6 months using STP.

Start new SIP or top-up existing funds.

This will ensure diversification and long-term growth.
Also keep Rs 50,000 as buffer for unplanned needs.
Do not invest full lump sum at once.
Gradual investment reduces market risk.

Estate and Nomination Planning

Please check nomination in:

Bank accounts

PPF

NPS

Mutual funds

Insurance policies

Property documents

Single women need to define beneficiaries clearly.
This avoids disputes and delays.
Make a simple Will if not yet done.
Update regularly if your assets or preferences change.

Retirement Readiness and Lifestyle Funding

You are 48 now.
Retirement may come in 10-12 years.
So next decade is crucial for wealth building.
Your current savings are good, but need boost.
You should focus more on:

SIP increase

Fund performance review

Asset rebalancing every year

Retirement goal tracking

Medical support planning

Liquidity and taxation planning

Avoid risky trends or aggressive products.
Consistency and guidance from a CFP-backed MFD matters.
Have annual review and track against your target corpus.
Target corpus should provide post-retirement monthly income.
Adjust corpus for inflation and medical inflation.

Finally

You are on a good path financially.

Your savings, SIPs and discipline are appreciable.

Need to optimise investments and reduce fund overlap.

Avoid index funds due to their limitations.

Active mutual funds with guidance offer better outcomes.

NPS Tier 2 is not recommended.

Medical cover is must, even if covered by employer.

Use MFD support with CFP backing for portfolio review.

Build a clear plan for retirement corpus.

Invest Rs 10 lakh idle money with asset allocation.

Track progress every year with expert help.

You deserve a comfortable and worry-free retired life.

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

Ans: You have taken some positive steps already. Still, there’s scope to strengthen your financial plan. Let’s go through every aspect step by step with clarity.

Your Current Financial Standing

You earn Rs 80,000 per month.

Monthly expense is only Rs 20,000.

You invest Rs 5,000 in SIP.

You also contribute Rs 5,000 to PPF monthly.

The rest goes into fixed deposits (FDs).

You have term insurance of Rs 50 lakh.

You hold health cover of Rs 10 lakh for you and spouse.

You have LIC cover of approximately Rs 4.5 lakh per year.

Your discipline in saving, low expense, and holding core insurance are strengths.

Evaluate Your Insurance Cover

Term plan of Rs 50 lakh may be insufficient.

This covers income loss until retirement.
-Consider increasing term cover to at least six to eight times annual income.

As a Certified Financial Planner, I suggest aligning cover with financial dependents and debt.

Health insurance of Rs 10 lakh for both of you is good for routine health events.

Ensure it includes your spouse continuously.

Periodically check co-pay, exclusions, and sub-limits.

Evaluate adding maternity cover or critical illness riders if needed later.

LIC traditional plan costing Rs 21,000 yearly:

Traditional plans often return less than 4–5% after tax.

These act more like savings than pure protection.

Consider surrendering and reinvesting in mutual funds via MFD for higher returns.

Regular fund investment gives you advice, rebalancing, and personalised planning.

Emergency Fund and Liquidity

Current FDs hold your surplus.

FDs offer liquidity and safety but lower returns post tax.

A solid emergency fund of 6–9 months’ living expense is essential.

For you, that’s Rs 1.2 lakh–1.5 lakh.

Maintain that in a liquid fund or ultra-short duration debt fund.

Excess FDs beyond this can be shifted to other goals.

Benefits: better post-tax return than FDs.

Keep FD laddering minimal—only for stable returns when needed.

SIP and Asset Allocation Review

SIP amount is modest compared to your income.

Currently investing Rs 5,000 monthly.

Goal: gradually increase SIP to match future needs.

Shift investment style from direct plans to regular plans.

Direct funds lack expert guidance and periodic review.

MFD through a CFP adds goal alignment, sector checks, and rebalancing help.

Behavioural coaching during market volatility is a plus.

You haven’t mentioned using index funds. That’s okay—actively managed funds are better for risk-adjusted long-term return.

Long-Term Goals and Investment Strategy

At age 35, retirement is a long-term goal (20–25 years).

Equity funds are suitable for long horizon.

Only a modest PPF investment may not beat inflation fully.

Set clear financial goals:

Retirement corpus estimate needed (e.g., 1.5–2 crore).

Other goals: children’s education, home, health emergencies, travel.

Create separate SIP buckets:

Goal-based SIP for retirement.

Another SIP for other future needs.

Automate annual increase in SIP.

Raise by Rs 1,000–2,000 every year or with income hikes.

Helps keep pace with inflation and growth needs.

Asset Allocation: Equity vs Debt

With low expenses and stable income, you can allocate 60–70% to equity.

Remaining 30–40% in debt or secure instruments for stability.

Recommended Portfolio Structure:

Equity (mutual funds via regular plans) – 60–70%

Debt – 20–30% (FD, PPF, liquid funds)

Emergency/liquid – 10%

This balance gives growth and safety aligned with your timeline.

PPF Evaluation

PPF contribution of Rs 5,000 per month is fine.

But PPF has long lock-in and fixed rate.

Use it as a safety net and retirement top-up.

Invest more via equity funds for long-term inflation beating.

Insurance and Policy Reassessment

LIC traditional policy: consider surrender.

Gains after surrender may be low.

Switch to mutual funds via CFP for better return.

CFP will guide the timing, tax implications, and fund choices.

Increase term insurance cover gradually.

Add spousal coverage if spouse earns lesser or dependent.

Align cover to income growth or liabilities (e.g., home loan later).

Supplemental protection:

Critical illness cover can help in emergencies.

Add a top-up health insurance or critical illness rider now or later.

Retirement Planning

Retirement is 25–30 years away.

Equity should be primary tool.

Start a systematic retirement fund via SIP.

Include multi-cap or flexi-cap funds.

Review allocation every year.

Gradually reduce risk profile as you near retirement.

Children’s Education / Future Planning

Even if you don’t have children right now, future expenses need planning.

Consider starting a small goal SIP dedicated to child goals.

If you plan to have a child or education needs in 5–10 years, map early.

Tax Planning

PPF interest is tax-free.

FD interest is taxable as per slab.

Mutual fund gains:

Equity LTCG taxed at 12.5% (above Rs 1.25 lakh annual).

STCG taxed at 20%.

Debt mutual fund gains taxed per income slab.

Using MFD helps optimise redemption timing.

Expense Behaviour Monitoring

Your expenses are Rs 20,000 monthly.

That gives a huge saving buffer of Rs 60,000.

Ensure expense tracking is consistent.

Reassess lifestyle expenses annually to identify saving extensions.

Avoid hidden costs like fees, insurance extras, subscription slippage.

Action Plan Summary

Build 6 months of expenses in liquid or ultra-short fund.

Surrender LIC policy and shift funds to MF via CFP.

Increase SIP to Rs 10,000 monthly structured by goal.

Change direct fund plans to regular plans with CFP.

Increase term plan cover and add spouse to health insurance.

Initiate goal-based SIP buckets (retirement, children, travel).

Maintain PPF but reduce over-commitment from income.

Stick with active equity funds—no index or ETFs.

Review asset mix and fund performance yearly.

Adjust SIPs and insurance as income grows.

Finally

You are on the right path with discipline and strong saving habit.
Still, there’s room to make your plan more efficient.
Surrendering traditional policies frees up funds for growth.
Switching to goal-based and regular plan SIPs supports clarity.
Emergency fund ensures security.
Increasing term cover strengthens protection.
Goal-tagged SIP buckets align funds to objectives.
With consistent review and CFP guidance, you can reach financial stability fast.

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

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