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Anu

Anu Krishna  |1437 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
JG Question by JG on Sep 12, 2022Hindi
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Relationship

Dear Anu Madam
I have a brother, he is married, 38 years old and his is wife is 34.
Since 2 and half years they do not have any physical relationship but they have a 3-year-old child.
My brother is also suffering from depression and the cause is failing intimacy between his wife and him. He is not interested in her at all and now applied for divorce. But his wife for the sake of child wants to continue to remain married as child needs both parents for upbringing and refusing to give divorce. We also want to treat his depression for which he is not supportive. This is causing pain in the lives of all family members and his little child.
Please suggest what we can do for the wellbeing of all.

Ans: Dear JG,

How can you help someone who possibly doesn’t even realise that he needs help and that he needs it NOW?

Your intent to see him and his family is noble and out of care and concern. But if he is unwilling to recognise (possibly his mental state) that he needs professional help and that it will ease his situation and save his marriage, what is it that you can do?

For the sake of his wife and child, kindly ask an authoritative yet caring elder in the family to drive some sense into him.

Untreated mental condition isn’t a joyful experience for him or those around him.

Also, take him out on long walks in Nature. Nature is known to be very soothing and healing. Maybe it might help calm his nerves and he might seek help.

All the best!

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we had joint family almost 10 years back, we are two brothers ,mother ,father and 2 children to both brothers, I am elder brother, Problem started almost 5 years , My brother lost his temper and started heated argument and violence in family although he is introvert and hold negative thought since long back ,all family members tried to convince him to keep him positive but issue increased day by day reached to a level when father decided my family to protect and advise us to move out of joint family. afterwards also situation remains the same their and ultimately my parents also moved out of the house. We never had any communication around 2 years , but afterwards father had some critical health issue related to kidney and we informed them, Communication started with them again but father expired and again we have seen their violent face during rituals. We understand he having serious psychiatric issue but non of their family like his wife , Son is cooperating us for medication without his consensus as my brother never thought that he having any issue. I am very much worried that some day something wrong can happen as he is keeping very pity issues in mind and ready to fight always. He relation and neighbor's also he did the same and now no one is in talking terms with him.Please suggest how to handle ,is their any agency who can help us in sorting this issue. dont want to go in legal.
Ans: Hello Manish,
mental health issues can be complex, and professional guidance is crucial. Consult with mental health professionals to create a plan tailored to your family's specific situation. It's important to prioritize the safety and well-being of your family. If your brother's behavior becomes threatening or harmful, it may be necessary to maintain physical and emotional distance while encouraging him to seek help. Look for support groups or organizations that specialize in helping families dealing with mental health issues. They can provide guidance, resources, and a network of people who have faced similar challenges. Consider arranging a family intervention, facilitated by a mental health professional, where you can express your concerns about your brother's behavior and encourage him to seek help. It's important to approach this with empathy and understanding. while you mentioned that you don't want to go the legal route, in extreme cases, you may need to consider legal options like obtaining a court order for involuntary psychiatric evaluation. This should be considered as a last resort and only if your brother poses a serious threat to himself or others.

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Kanchan

Kanchan Rai  |496 Answers  |Ask -

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Dear dr , my colleague is divorced 2 yrs back ,he is suffering from acute depression, his ex wife has not allowed her son to meet his father in last 2 yrs, as ex wife family is financial very strong they are not taking any monthly support from my colleague for his son.meanwhile son is 10 yr old and is brainwash that his father is not good ,so doesn't want to meet him. My colleague is getting more depressed and admitted for 1 month in hospital and got ECT therapy. Kindly guide ,what we can do so he xan meet his son once a week
Ans: dear Mohammad,
First, it might be helpful for your colleague to consult with a family lawyer who specializes in custody and visitation rights. Even if his ex-wife’s family is financially strong and not accepting support, your colleague likely still has legal rights to see his son. A lawyer can help him explore options like mediation or going back to court to request visitation rights. Since the child has been influenced against him, a court might consider a gradual reintroduction, possibly with the help of a therapist, to rebuild their relationship.

It could also be beneficial to involve a mental health professional who can provide guidance on how to handle this emotionally challenging situation. This professional can help your colleague manage his depression and support him in dealing with the stress related to his son.

As a friend or colleague, your support is invaluable. Encourage him to seek legal and psychological help and remind him that he’s not alone in this battle. Regular check-ins, even if just to listen, can make a big difference in his recovery.

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

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Chief Financial Planner,

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.
Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

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hi sir im in a relationship with a guy who i met in hyd we have been together since one year he is a hindu nd im a christian we both love eachother and wanna marry but my parents r against it bcoz he comes from a hindu family and they r forcing me to get married to a christian guy i love him i never got love from my parents when he is giving me the love i want my parents have seperated me from him im not able to understand what to do plz help
Ans: Dear Niveditha,
It’s important to start by having an open and honest conversation with your parents. Try to understand their concerns and share your feelings with them. Express how much this relationship means to you, focusing on the love, respect, and support you and your partner share, rather than just the religious differences.

If this approach doesn’t work, consider involving a trusted family member, friend, or community leader who might help mediate the situation. Sometimes, having an external perspective can help bridge the gap between differing viewpoints. You should also reflect on the long-term implications of your decision. Think about whether you’re ready to face the potential challenges of a mixed-religion marriage, including societal pressures and family dynamics. Having in-depth discussions with your partner about these issues is crucial to ensure you’re both on the same page.

If your parents remain opposed, you may need to consider seeking counseling or therapy. A counselor can help you process your emotions and provide strategies for dealing with family conflicts. They can also offer guidance on how to communicate more effectively with your parents. Building a support system outside of your family, whether through friends, mentors, or support groups, can also be invaluable during this time. It’s important to have people who understand and support your decisions.

Ultimately, the decision about whether to continue with your relationship despite your parents' opposition is yours. You’ll need to weigh the emotional and practical consequences, including the possibility of estrangement or ongoing family conflict. It’s vital to prioritize your happiness and well-being. If you believe that your relationship brings you genuine love and fulfillment, standing by your choice is valid. However, be prepared for the challenges that may come and have a plan in place to manage them. This is a deeply personal decision, and whatever path you choose should align with what feels right for you and your future.

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Kanchan Rai  |496 Answers  |Ask -

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Asked by Anonymous - Jan 19, 2025Hindi
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URGENT Hello kanchan ma'am Please help. I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.
Ans: start by having a direct and open conversation with your prospective partner. It’s crucial to clearly communicate your feelings about the elder child staying at home, especially regarding the need for privacy and the impact of his aggressive behavior. Explain how this change affects your comfort and daily life, emphasizing the importance of maintaining a harmonious living environment.

In tackling the privacy issue, consider discussing potential adjustments to the home’s layout. Creating separate living spaces or setting up rules that establish personal boundaries can help ensure everyone feels comfortable. Developing a routine that allows for private time with your daughter will also be essential in maintaining a balance.

Regarding the transition to a small town, research the local job market thoroughly. Look for opportunities that align with your career goals and consider remote work options if they’re available. It’s also important to engage with the local community to build a support network. Attend community events, meet potential neighbors, and get a feel for the town’s environment. Having a backup plan, such as maintaining connections in your current city or setting aside a financial cushion, will give you added security should the move not work out as expected.

Blending families is a significant emotional and practical challenge, so consider family counseling as a way to address potential conflicts and improve communication. A counselor can provide valuable strategies to help everyone adjust to the new living arrangements and understand each other’s perspectives. To ease into this change, propose a trial period where you can test the dynamics without committing long-term right away. This will give you the opportunity to evaluate how well you and your daughter adapt to the new situation.

Lastly, it’s essential to address your fear of being alone. Reframe this fear by focusing on the positives of independence. Remind yourself that it’s better to be single and emotionally secure than in a relationship that feels overwhelming or stifling. Use this time to invest in personal growth, hobbies, and building a fulfilling life for you and your daughter. Keeping an open mind about future relationships is healthy, but it’s important to ensure any new partnership aligns with your values and meets your emotional needs.

By taking these steps, you can approach the situation with clarity, ensuring that any decision you make is grounded in what’s best for your well-being and that of your daughter.

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