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Anu

Anu Krishna  |1403 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 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
Selvi Question by Selvi on Oct 14, 2022Hindi
Relationship

Dear Anu,
Hope you are doing well!
I happened to read few of your articles on family issues hence thought of seeking advice on a very complicated family issue of mine.
This is going to be really big email... sorry I badly need help!
My elder sister is married for close to 8 years now.
It's an arranged marriage and she is married to very big family of three sisters and two brothers....
My sister's husband been the last one in the family...
Since Day One of the marriage her sisters-in-law would interfere in every little thing that happens in my sister's and her husband's life. Literally everything and her life is miserable now...
These three ladies never let his elder brother's wife as well to stay with her husband and now she lives separately fearing his sisters. And it's the same with my sister's life as well.
It is an arranged marriage with an age gap of 10 years between my sister and her husband...
Since Day One he would pick up silly fights with my sister and emotionally blackmail her...
I'm not sure if he was really into the marriage.... He always complains about my sister, ill-treats her and constantly keep asking her to divorce him.

He listens to his sisters and humiliates her.
My parents have been looking after my sister's needs even after marriage -- phone recharges, dresses and even sanitary napkins.
He has never spent money for my sister's basic needs.
She has to do all house chores like washing, mopping and cleaning.... And his sister will just cook and leave... they have never let my sister to cook but complain to everyone that she doesn't want to do house chores.
I have seen my sister (when I stayed with her for two days just see what was happening in the house) she wakes up at 4 am to sweep the garden mess which is close to half an acre. Then mop the house, wash vessels and clothes.
She will be exhausted by the time she finishes all the work and when she finally sits to eat, the in-laws will taunt her and she has starved without eating for days.

When she discussed this with her husband, he'd ignore or argue with her not to say anything bad about his sisters.
Our upbringing back home was very different. We grew up around house helps who helped us with chores but my sister didn't complain about that as well. She said ‘in laws’ house is way different than mom's place.' It hurts to see my sister this way.
All his three sisters rarely stay at their homes, instead they prefer staying at my sister's place and cause troubles between the husband and wife.
He treats my sister like a slave.
If she doesn't do what he asks her to do he says 'sign the divorce papers and leave.'
According to him, my sister should never visit her mom's place. If she has to visit, she has to seek his permission and he will decide whether she can go or not and for how many days. If she stays back a day longer, he would pick up a fight. Even if he is in a different city she has to stay at her in-laws place.
He works in army as a subhedhar. We have huge respect for people in the Army, that's the reason my sister was married to him despite the difference in age.
And when my sister first gave birth to her son he said the most cruel thing any man could say.
She had a C-section so he said, You are lame, you haven't done anything big or great, you had an operation, you easily cut open and gave birth.
What pain do you think you have when you give birth in anesthesia?

He would humiliate her in front of family members and friends, colleagues...
We have advised her to leave him, find a job, to look after herself and the kids. We will support her. But she is not confident enough. She is so used to being dependent that she is scared of taking the big step fearing her kids’ future.
She has been tolerating him more than any human can tolerate also because she is financially dependent on him.
She has two kids, aged six and three.
If she divorces him, she is worried about the kids’ schooling.
As he is in the Army he will be moving to different cities every two years.
In these 8 years of marriage, they have hardly been together for a year or more.
He never took her to any deputed locations. She has to stay here in Kolar with her in-laws and he would visit her annually. My sister has to bear the brunt of the entire family.
He will call my sister only if his sister permits, otherwise he will stay without calling her for months.
My parents were also bearing all of his attitude for a few years until things went out of hand. Even after having 2 kids his attitude didn’t change.
So my parents had to intervene.
This pathetic man would find millions of ways to torture my sister mentally and physically.
She was a silent and reserved kid in our family. Now she is so used to his behaviour that she is okay to live with him just for the sake of her kids. We are not that well off. My dad is a retired official who gets very little money as pension. So my parents are worried who will take care of her and kids after them if in case we file a divorce. Will alimony work here?
There is no peace in our family.
My parents are old and struggling with their health issues. And now there is so much of mental pressure due to all of this.
After so much struggle and arguments, he finally took my sister with him to his current deputed location for 6 to 8 months. Again upon his sisters’ insistence he left his 6 year old kid with his sister and family and forced my sister to come with him or sign the divorce papers.
And my foolish sister who didn't know what to do left her 6 year old kid with his sister in law family and went with her husband taking the another kid. Now she is crying day and night thinking about her kid.
I went on with a huge argument with him asking what is the need for a child to leave his parents and study at his aunt's place. Since he is in the Army, changing schools should not be so difficult; he is your own kid and blood. How can you leave him alone there? He said, ‘My son will study wherever I ask him to.’
When I asked him why he forced my sister to come with him leaving the kid with his sisters, he used cuss words and asked me to mind my own business. I lost my cool and said that he is acting brainless. He reminded me that he is the Army and no one can do anything to him. He said I could raise a complaint and cut the call.
Now he has set rules that no one should visit or see his son. When my parents went to visit their own grandchild recently, his sisters did not allow them.
I have been telling my parents to lodge a complaint against this man. But my parents feel that he is their son in law. Anything we do would affect my sister's life and brushed it aside. They’d rather convince my sister and send her back to live with the pyscho.
Now they have realised and are repenting for not complaining about him earlier.
Please advise us how to move further because whoever we consulted regarding this told us that we cannot complain about this. Only my sister can complain. She is scared of him and fears to lodge a complaint. She is in a different city now and wouldn't be able to do so.
Is that right? Can't a grieving parent, grandparent or sister like me who is worried to the core about her sister's and cousins life complain against this saddest man?
Is divorce advisable in this case or are we overdoing it?
Should we lodge a police complaint? Can we write to his superior?
It is possible that he might file a defamation case against us?
I literally have no clue what to do or where to seek help. Please help me save my sister from this pathetic marriage.
Awaiting your response.

Ans:

Dear ST,

If you and your parents know what has been going on, why did you not think of lodging a police complaint against your sister’s husband and his family for mental harassment?

What exactly are you waiting for?

Your sister has become used to this misery and sometimes this misery is familiar, and women are willing to put up with it for fear of societal backlash and being a burden on parents.

Which family separates a mother from a child?

Which family entertains the interference of sisters-in-law so much? I am unable to still understand why they would do such a thing.

And to top it all, our country has a huge mass of parents who believe that a daughter once married is the property of her husband. Which only means that he and his family can ill-treat her the way they wish, and the parents cite an excuse of being old and having no money to take care of her if she comes back.

Please, my humble appeal to each parent who have daughters crying out for help…bring them back home; at least they will have a chance to live and live a dignified life. She is still your daughter.

What if she wasn’t married? Would your parents throw all their children out saying that they are poor?

The reason your sister is hesitating to leave the man is perhaps she feels like a burden to your parents.

The first step is to become her strength by welcoming her back; society and her husbands’ family can be taken care of.

Hire a good lawyer who can take care of legal matters if it goes the divorce way.

Divorce or not is your sister and her husband’s decision.

Let her have some time away from her husband and his family. It might help her gain some objectivity and make a wise decision.

So, first you and your parents welcome her back…the rest can wait.

All the best!

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I am 50 years old lady. I have youger sister about 40+ age. she is very negative thinker from younger age. I dont have mother and father. i have younger brother. my younger sister was in depression at time lock down then after treatment she become nornal therefore we decided to do marriage as she is along and nobody is there to take care of her as I am also having family. I and my family did marriage of her without inform her depression condition to groom. now her husband telling we are cheated to him. toubling us what to do...
Ans: Dear Anonymous,
Is your sister in a depressive phase yet again that her husband feels like he has been cheated? If she had fever after marriage, would he still have felt cheated by the fact that you didn't tell him about any fever before marriage?
Mental health issues are still not freely accepted in our part of the world as yet...given this, I am not surprised at the way your sister's husband and his family are behaving this way. The only way is to pacify them about it by giving them the facts as they are now.
Appeal to their wise side that it is possible to manage depressive phases and that the support of family is of utmost importance. Now winning this argument will depend on how forward thinking they are and whether they will be able to brush of the social stigma of depression. It's a nasty game but one that you all are already in...give it your best shot and talk about it openly at least now for your sister's sake. Hiding this has caused an unnecessary drama, so being frank is your only best option now...

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I feel so sorry for my situation which I was put myself in , I first got arranged marriage and got divorced after six years as he has an affair with other women and he is rich but does not love me at all or no relationship between so my family thought of leaving this toxic relationship so we got mutual divorce . Then I had a guy who proposed me before my first marriage but could marry due to caste issue but still he is good freind to me but after divorce I thought I can marry him as he is my best freind instead of marrying unknown second time , when I got divorced my age is 32 this freind of mine has family burdens so he made to wait three years I waited by convening my parents and got married one and half year back now his sisters and mother are torturing me in every thing like they want their son to obey them and my hubby is not serious about our marriage he is not earning anything but I work I had private job , he is addicted to drinking and drinks a lot and depends on my money and my in laws always shout on me and fight with me saying you don’t care us visit us , you people living happily , and buying everything in house and you loved him now complaining about him , he not drinker before marriage because of you he got addicted and my sister in law see me as an insect and fights shouts on me in front of all they don’t call me text me or talk to me when I am there , they don’t treat as I am existed if I got to my in laws house as we stay separately , even they don’t respect my mom dad also ..... I don’t know what to do now . My hubby won’t respond if I say anything on them that I am hurt like that and he won’t earn at all and stiilll drinking also
Ans: Navigating through a divorce and then finding yourself in a marriage where you're facing similar struggles must feel incredibly disheartening. It's understandable that you feel overwhelmed by your husband's drinking, financial strain, and the harsh treatment from your in-laws. Feeling invisible and disrespected in your own home is a heavy burden to bear, and your feelings of frustration and sadness are completely valid.

It’s important to prioritize your own well-being and happiness. Seeking support from a therapist or counselor can provide you with emotional guidance and help you explore your options. Having an honest conversation with your husband about your feelings and needs is also crucial, although it may be challenging.

Remember, you deserve to be in a relationship where you feel valued, respected, and loved. Whether that involves working through these challenges with your husband or considering other options, it’s essential to prioritize your own happiness and mental health. You are not alone, and there are people who can support you through this difficult time.

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Hi I am 40 yrs with wife and kid of 7 yrs. My problem is family oriented. I have three sister, elder two sisters are well married and settled. My younger sister had an arrange marriage in 2004 and she had a divorce in 2011. With that marriage she has a boy child who is almost 18 now and too lazy, she as per her will did an intercaste love marriage in court in 2015 without informing anyone. I used to stay away in delhi and my parents and eldest sister(at her in laws place) in kolkata and d youngest married d guy 2 km from parents house. In 2017 i shifted back to kolkata as my wife was pregnant, so we took a decision dat now it would be better to stay in joint family as d kid will get grand parents and we will also serve my parents, but my youngest sister had a very bad habit of calling my mom every day almost 5-7 times and coming to parental house every alternate days which i rrsisted and i faced backlash from my parents and her too. Then suddenly things changed her husband became a very rowdy person and started beating her as she narrated and she came back to parental house with two kids one was from previous husband and one was from d court love marriage, now she stays in same flat where my parents stays. In 2017 aug my kid was born in 2019 she came back and den i again decided to leave house with my wife and kid as it was 2 bhk flat and all people flocked there as if ut was a zoo so i decided to leave with my family and we moved to ujjain and started living peacefully. Reason for leaving was my younger sis her eldest son and my dad has a very bad habit of shouting arguing nd fighting means domestic violence which i have seen in my childhood days even wen my dad used to do violence with my mom. Now i say her to take divorce and stay with parents or go back to her husbamd or where ever she wants. My dad is retired with a fixed income of around 20k per month. My sis and her son stays at home uses all facilities of home whereas when i shifted to ujjain i did all hardships and built my rented flat. Used to sleep on floor slowly we both husband wife worked hard and bought bed, kitchen utensils fridge and tv. Now my concern is she is not taking divorce and fully dependent on my father. She and her son both earn almost 35k together but their contribution towards house is big Zero towards ration is ZEro yes for basic dey dont pay anythng but like she pays for her small child school fees almost 3000 and whatever dey feel like eating extra den normal homely food she brings for her kids. As she is not taking divorce what can be main reason and future consequences to my kid and my life and my mom and dad have just become a free maid for her kids, my sis does all masti and roams freely till 9 pm without any concern for her kids as my mom is behind as maid to take care. Means my mom and dad have no saving cz of her and no personal life nor any social life cz dey have to take d youngest kid along with dem. My dad is 70 diabetic mom is 65 undergone bypass. Wen i say cz of yoi came back i have to leave dat house she says did i hold ur hand and say to go out. Where as i needed peace but i also need my parents as i want to take care of dem cz she treats dem like servants only. And my parentz dont understand dis dey hav soft cornor for her. She is like deemak but dey dont understand. Kindly guide me.
Ans: Your situation is complex, involving familial responsibilities and personal peace. To address it, start by understanding your sister's reasons for not seeking a divorce. Consider engaging a professional family counselor to mediate and provide support for everyone involved. Legally, explore the options available for ensuring she contributes financially to the household.

Your priority should be to protect your parents' well-being and your own family's stability. If your sister continues to burden your parents without contributing, it might be necessary to seek legal advice on how to manage this dependency. You may also need to discuss with your parents the importance of setting boundaries to ensure their health and financial security. Balancing compassion with firm boundaries is key to resolving these issues while maintaining family harmony.

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |183 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
Career
Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

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Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi
Money
Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.
Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

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Relationship
I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.
Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

...Read more

Ramalingam

Ramalingam Kalirajan  |7290 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

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Money
Top4 sips with 15k amount suggest me
Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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