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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 30, 2023

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 - Jan 27, 2023Hindi
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Dear Anu, I am married for 24 years having two grown up children. Both are studying. My wife is not working. She had been adamant and spendthrift since the beginning of our marriage. Just to maintain peace I was putting up with her undue demands. Than in last decade my business suffered for quite sometime still I sold some property and managed the household expenses. Than in 2017 the business started picking up and it started doing well. but having learned the lesson I became very firm with wasteful expenses. And by end of 2017 she broke all ties with me, and started sleeping with our daughter in her room. Now since last six years we are hardly talking to each other despite living in the same house . Her parents are also hand in glove with her and disconnected with me. I also came to know lot of factors about her family. Her father claimed to be a businessman before marriage and later I learned he was working in subcontracts division of a company and making money by illegal means from vendors. He was a heavy drinker and had relations with many women. I also came to know that her father had thrown his father out of house and that old man had died in a temple. To make matter worse her parents are having one more daughter which they claim to be given to some family member and now they don't have any relationship with that girl or the couple to whom they have given their daughter to. So prima facie they have a child or children which they have hidden from society. We attended marriages of her uncle's daughters out of Mumbai. His uncle and his family attended my marriage and marriage of my wife's only brother. Now after all marriages are over they have broken up with that uncle too. He is real brother of my father in law. Her aunty expired two years back I offered to call her uncle and offer condolences she said no need now relationship with uncle is over. With all these I am able to come to a conclusion that the family doesn't value relationships and once their purpose is served they discontinue the relationship. Due to constant problems my children have also become very adamant and are not concentrating on studies. Kindly suggest what should I do in the given situation. Can the marriage be annulled on the grounds her family concealed vital information before marriage. I offered her to go for marriage counselling and therapy but she refused. Please suggest some suitable solution.

Ans: Dear Anonymous,
Too much of a mess, yeah?
Why they hid certain facts and what impact that has had on your marriage is something that you are experiencing. Relationships are built on trust and honesty leads to that trust. You possibly feel being misled multiple times over and it will indeed affect the mind state of your children.
Good that you have woken up to this NOW.
Are you sure that you want to end this marriage? Or is there a possibility of saving it?
If you want to end it through a legal recourse, find an able lawyer who specializes in divorce cases. She/he will advise you on annulment or mutual consent divorce or filing for one. These options come to a better choice when you seek an expert in legal matters.
In the meantime, keep your mind in a place where it is calm. Too much of muddle and constant over processing will make you have bitter thoughts and keep you engaged in stress building situations.
Accept what's happening (difficult, I know)...but doing this will enable you to take the right decision not only for your life but also for your children. Also, I suggest spend a lot of time with the children and teach them not to take sides of any parent.
Whatever you decide is going to impact them and they must be prepared anyway. So, talk to them like they are grown ups and let them grow into it supporting you both rather than be caught in the cross fire.
I am sure if you have had the courage to understand what has been happening to you, you can surely take additional steps to safeguard your mind space and do what's right for the children as well.
All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

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Dear Love Guru, My wife and I are in an arranged marriage since around 15 years and there is nothing that we celebrate about our relationship, except kids which are the only reason for our existing relations. I am working abroad and have visits for a month on vacation after every couple of months. After marriage, I noticed my wife’s flirting behaviour with strange men (to seduce) during many occasions but initially ignored it. However, I found it frustrating when I felt her to be habitual flirter. I then spoke to her, which was after around 2.5 years of our marriage, and she denied the matter. Soon noticing such perpetual habits about her, we went on for non-talking terms some time and then a storm broke out in our house. My parents and her parents supported her, since I couldn’t prove any of her behaviour. She has been lying since her behaviour was noticed and even after that, but my love for her and my child (at that time) made me feel that probably that I need to avoid any suspicious behaviour. Such storm was repeated even recently few years earlier. I had thought my idea of a second child would improve our relations, but it hasn’t helped. I could still notice her flirting behaviour with strangers and even with known personnel including my relatives. I even believe her to be in relationship with one of my cousins, based on my observations of their behaviour during our every meet, which I cannot speak of due to my previous experience and which will otherwise definitely terminate our relations. Actually, we are never on good terms these days whenever I visit home and mostly converse only if required. We are also not good in bed and I have also been feeling a low erectile in bed these days. These moments have affected me psychologically and I feel very negative about our relationship. My family remains my priority and I have been trying to see that we all are all happy as a family. I have even sacrificed my own family time for better earnings so that my family can get all the best in life. She takes good care of the children and manages the house nicely. I also ensure that we, as a family, go out on long journeys for travel and my children are everything for me. I have trying to cope up with all this by focusing on work and socialising with friends to the best extent possible. However, her behaviour (in spite of my presence) makes me feel negative. How can I deal with the matter since any re-attempt on my part to speak on the same matter, even if cordially, with my wife will create another storm like earlier? I wish to sort out the differences and need your advice. Should we meet a counsellor separately on this to sort out the matter? Keep me anonymous and respect my privacy.
Ans:

You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

And instead of addressing the issues, you decided to go ahead and have a second child?

Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

From everything you’ve told me, you seem to come across as an insecure husband.

I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

I do think marital counselling is in order. And yes, maybe separately at first and then together.

Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

 

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 2022

Relationship
Hi AnuAt the outset, thank you very much for your time to listen to my situation.I am 50 years old, married to my lover (46 years now) and blessed with two daughters. My wife comes from an upper caste with a poor background. She was my subordinate and got married in 2001 after dating her for more than 18 months.Immediately after marriage, I lost my job due to my mismanagement of responsibility with no criminal action. I suffered for six months and relocated to overseas and lived there for the past 19 years.With my hard work and commitment, my financial situation has improved considerably now. However, my wife's attitude has consistently changed in line with my financial growth. She strongly believes that because of her luck and my daughter’s luck only I was able to earn that much and live comfortably. With my severe official commitments, I did not mind her attitude that much. After the lockdown, I got the opportunity to understand the change and realised that she has constantly ill-treated me over the past 10 years. Also, I lost my parents a few years ago and my father gave his self-earned property worth a few crores to my elder brother and left nothing to me. At the same time, my wife got her ancestor property worth a few lakhs. This incident psychologically weakened me as she consistently abuses me saying she got a few lakhs worth of property whereas I got nothing from my parents. Now, for the last two years, she is not allowing me to perform my parents’ annual death ceremony rituals. She consistently uses bad words against my (departed) parents and makes most negative comments for the donations I made so far and terms me as an Idiot and useless person. She also criticises me in front of my friends and relatives.Her harassment gone to the extent of pushing me to commit suicide and for the sake of my daughter’s welfare, I managed to come out of that mindset on my own. Now, I am determined to live…. at the same time unable to absorb my wife’s harassment. I tried to explain to her in many ways and even begged her many times to stop ill-treating me. Instead, she is asking me how I am able to tolerate despite her ill-treatment for the past few years….Our physical relationship got disconnected for the past five years as she lists out silly reasons for avoiding me. She is refusing to come along with me to meet a psychologist. Also, she disconnected her long-term friends and created a new circle of friends in order to erase her past and maintain a high social image.From your expertise, kindly advise me on how to handle this situation which will be of highest support for me as I am having sleepless nights for the past 2 years.Kindly do not publish my name and request you to keep it anonymous.
Ans:

Dear S,

It’s obvious that there is something that your wife is upset about or missing and you have been blindsided by it.

It could be lack of love, attention or simply family’s worth that she might feel from money situation.

It needs a discussion but from your letter/e-mail, it doesn’t seem like she is interested in it.

What I don’t have information here is in the 19 years that you were out of the country, was she also with you?

This is vital information as things might have gone South while you were away.

Even if she did accompany you, maybe the mismanagement of responsibility situation that you mentioned was something that had thrown her off gear and insecure.

This vital information is missing for me to guide you even more effectively, but I can surely help you navigate with what is.

Yes, it needs a counsellor or a marriage therapist.

Nothing justifies talking ill about family members but when the mind is awry and unsettled, it does not think rationally which is why she is possibly displacing some anger or lack of affection or lack of something that is manifesting itself in different ways.

Ask yourself:

  • Where am I if I continue in the marriage?
  • Where am I if I don’t continue in the marriage?

This reality check will act as a compass to the next steps of action.

As a coach, it’s always nice to see a relationship work but reality might say something else.

So, be true to your thoughts and feelings, set aside any feelings of spite towards your wife and see things for what they are and move forward.

All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 23, 2023

Asked by Anonymous - Mar 19, 2023Hindi
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Relationship
Madam, I am 61 years old , retired from Govt service an year ago. I have a problem in my family. Though my wife is a post graduate, she refused to take up any Job and wants all others including her in laws to give her money eternally. Misbehaved with my parents & sent them out of our house for their supposed conservative style and refused to allow my sisters family on a visit and quarreled with me on this ground time & again. She quarrels with me on silly issues loudly infront of kids. She reflects her mother`s attitude in dealing with my parents & relatives. Later She re-started her love affair with her ex lover . Fed up with quarrels at home and keep her away from unwarranted affairs, I decided to go abroad and took her also with me with our 2 daughters. There again, she started another illicit affair with my classmate cum colleague (whom i knew for 2 decades and i treated like a brother and was already married with kids). After 18 months of secret affair , behind me, they finally disclosed and wanted to elope leaving their families behind. Stunned by their ghastly betrayal , I sent my family back to India and also reported the matter to boss, who repatriated that Traitor back. I had to forgive my wife for sake of my Daughters who were aged 12 yrs and 9 yrs then. I am unable to come to terms with their ghastly actions though 2 decades have since passed. We sleep in separate rooms and I have no physical relation with her, ever since as our marriage is over for all purposes. I believe that mutual Trust & respect are the foundations of any marriage. Both are lost in our case. Now my daughters aged 31, 29 are Post graduates but are sitting idle at home wasting time in TV and refuse to do any job as their mother keeps telling them why should women work ?. They refuse to receive any external counselling nor willing to get married nor take up a job nor pursue any studies. They are financially dependent on me. I am now retired and live on Govt Pension. They refuse to understand the reality around them. They have no friend either in Relatives or in their college circles. What to do with their Intransigence? .
Ans: Dear Anonymous,
At 61, you look back and reflect; what choices have you made that has led you to be where you are right now?
Have those choices robbed you of your peace of mind and a better life?
If Yes, it still isn't late to rework and revisit those choices and make better ones.

But for that, this obsession with their ghastly affair must end. The more you are focused on the past, it becomes difficult to create anything beautiful for today and tomorrow. Yes, you felt hurt and were in pain, but to continue to feel the pain is a choice and that is only going to make you more bitter. Consider what is happening with your marriage; you might have to accept that this is the way it will be. If you are not happy with this, then think of what you want to do about it.

It's a good thing that you have begun to focus on your children. They seem to be in need of focus and direction. Since they are adults, it's time you gave them an ultimatum to find a job and move out of home. It sounds cruel, but at times, as a parent you need to do the right thing for your children. So, act NOW and without hesitation.
As for you, as you decide what you want to do with your marriage, involve yourself in social circles and hobbies, travel etc. It will give you a distraction and also a way to calm your mind to take decisions.

All the best!

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Anu

Anu Krishna  |839 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!

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I have 1 Cr to invest, where should I invest for another 18 yrs to get a substantial growth to counter my retirement. I would need more than 8-10 Cr
Ans: Given your long investment horizon of 18 years and the goal of accumulating substantial wealth for retirement, here are some considerations for deploying your 1 Cr investment:

Diversified Equity Mutual Funds: Consider allocating a significant portion of your investment to diversified equity mutual funds. These funds invest across various sectors and market capitalizations, providing exposure to the growth potential of the equity market while managing risk through diversification.
Large Cap Funds: Include large-cap funds in your portfolio for stability and consistent returns. These funds invest in well-established companies with strong fundamentals and track records, making them relatively less volatile compared to mid-cap and small-cap funds.
Mid Cap and Small Cap Funds: Allocate a portion of your investment to mid-cap and small-cap funds to tap into the growth potential of emerging companies. These funds have the potential to deliver higher returns over the long term, albeit with higher volatility.
International Equity Funds: Consider diversifying globally by investing in international equity funds. These funds provide exposure to overseas markets and sectors, offering opportunities for geographical diversification and potentially higher returns.
Systematic Investment Plan (SIP): Implement a systematic investment plan (SIP) approach to invest regularly over time, taking advantage of rupee-cost averaging and compounding benefits. SIPs can help smooth out market volatility and build wealth steadily over the long term.
Balanced Funds: Explore balanced funds, which invest in a mix of equities and debt instruments. These funds offer a balanced approach to risk and return, suitable for investors seeking capital appreciation with relatively lower volatility.
Regular Review and Rebalancing: Regularly review your investment portfolio and rebalance it as needed to ensure alignment with your financial goals, risk tolerance, and market conditions. Consult with a certified financial planner periodically to make informed decisions and adjustments.
Tax Planning: Consider tax-efficient investment strategies to optimize your returns and minimize tax liabilities. Explore options such as Equity Linked Savings Schemes (ELSS) for tax-saving purposes within the overall investment framework.
By diversifying your investment across different asset classes and investment vehicles, staying disciplined with your investment approach, and seeking professional advice when needed, you can work towards achieving your retirement goal of accumulating 8-10 Cr over the next 18 years.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 22, 2024Hindi
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I have invested 2 lumsum of 1lkh each with SBI Infrastructure and Tata Resource & Energy fund direct growth. I also started investing with SIP for 5K Mirae Asset Tax Saver Reg growth. 5k Kotak infrastructure and economic Reform fond Dir Growth 5k Parag Parikh flexicap fund dir growth 2k UTI Nifty 50 Index fund dir growth Any suggestions to modify or add new fund.
Ans: Considering your current portfolio and investment strategy, here are some recommendations to modify and optimize your mutual fund investments:

Shift from Direct Funds to Regular Funds: Consider switching from direct funds to regular funds, as they provide professional guidance and emotional support through a certified financial advisor or mutual fund distributor (MFD). Regular funds also offer similar returns without the need for active monitoring.
Diversify into Diversified Equity Funds: Instead of thematic funds like SBI Infrastructure and Tata Resource & Energy Fund, which carry higher risk due to their focused approach, consider diversifying into diversified equity funds. These funds invest across various sectors and companies, providing better risk-adjusted returns over the long term.
Consolidate SIPs into Fewer Funds: Review your SIPs and consider consolidating them into fewer funds to simplify your investment portfolio and reduce administrative hassle. Focus on quality diversified equity funds with a proven track record of consistent performance.
Consider Large Cap Funds: Include large-cap funds in your portfolio for stability and capital preservation. These funds invest in established companies with a track record of stable earnings and dividends, offering relatively lower risk compared to mid-cap and small-cap funds.
Evaluate Tax Planning Funds: Assess the necessity of tax-saving funds (ELSS) like Mirae Asset Tax Saver. While they offer tax benefits under Section 80C of the Income Tax Act, ensure they align with your overall investment objectives and risk profile.
Monitor and Rebalance Regularly: Regularly monitor your mutual fund investments and rebalance your portfolio periodically to align with your financial goals, risk tolerance, and market conditions. Seek professional guidance from a certified financial planner or mutual fund distributor to make informed decisions.
Stay Invested for the Long Term: Maintain a long-term perspective and avoid frequent churning of your portfolio based on short-term market fluctuations. Stay disciplined and committed to your investment strategy to achieve your financial objectives over time.
By following these recommendations and working closely with a qualified financial advisor or mutual fund distributor, you can optimize your mutual fund portfolio for better risk management and long-term wealth creation.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I am Central govt. official with OPS scheme. Iam going to be retired on 2035. Presently investing Rs 25K on mutual fund and Rs.15K on PF.Montly income Rs.1.8L Kindly advice my investment needs any modification for getting Rs 1L after retirement without my official pension. I have home loan of emi Rs.22K
Ans: Given your current financial situation and retirement goals, here's a comprehensive approach to help you achieve your target of generating ?1 lakh per month after retirement without relying solely on your official pension:

Evaluate Retirement Corpus: Assess your projected expenses post-retirement, including living expenses, medical costs, and any other financial obligations.
Review Investments: Review your current investments, including mutual funds and PF contributions, to ensure they align with your retirement objectives. Consider diversifying your investment portfolio to manage risk effectively.
Increase SIP Contributions: Since your retirement is still a few years away, consider gradually increasing your SIP contributions to mutual funds. This will help boost your retirement corpus over time.
Explore Retirement-oriented Funds: Consider investing in retirement-oriented mutual funds or pension plans that offer growth potential and regular income post-retirement. These funds are designed to provide stable returns and periodic payouts during retirement.
Optimize PF Contributions: Continue contributing to your PF account, as it serves as a reliable retirement savings avenue with tax benefits. Explore the option of increasing your PF contributions if feasible.
Reduce Debt Burden: Aim to pay off your home loan before retirement to reduce financial liabilities and free up funds for other investments or expenses post-retirement.
Seek Professional Advice: Consult a certified financial planner (CFP) to create a customized retirement plan tailored to your specific financial goals, risk tolerance, and time horizon.
Regularly Monitor Investments: Keep track of your investment portfolio's performance and make necessary adjustments based on market conditions, changes in financial goals, or personal circumstances.
Stay Informed: Stay updated on relevant financial news, market trends, and investment opportunities to make informed decisions about your retirement planning strategy.
Emergency Fund: Maintain an adequate emergency fund to cover unexpected expenses or financial setbacks during your pre-retirement and retirement years.
By following these steps and making informed investment decisions, you can work towards achieving your goal of generating ?1 lakh per month after retirement while maintaining financial security and stability.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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please suggest how to look and track Multibagger for indian stocks
Ans: When considering multibaggers or high-growth potential stocks in the Indian market, here are some factors to keep in mind:

1. Fundamental Analysis:
Financial Health: Assess the company's financial statements, including revenue growth, profitability, and debt levels.
Management Quality: Evaluate the competence and integrity of the company's management team.
Industry Outlook: Consider the growth prospects and competitive dynamics of the industry in which the company operates.
2. Growth Potential:
Market Opportunity: Analyze the size and potential growth of the market the company serves.
Product/Service Differentiation: Look for companies with unique offerings or innovative solutions that address market needs.
Expansion Plans: Consider the company's strategies for expanding its market presence and revenue streams.
3. Technical Analysis (Optional):
Price Trends: Monitor price movements and chart patterns to identify potential entry and exit points.
Volume Analysis: Assess trading volumes to gauge investor interest and market sentiment.
4. Regular Monitoring:
Financial Performance: Track quarterly and annual financial results to ensure the company is meeting its growth targets.
Industry Updates: Stay informed about industry trends, regulatory changes, and competitive developments that may impact the company's prospects.
Management Communications: Pay attention to management commentary during earnings calls and other public announcements.
5. Risk Management:
Diversification: Avoid concentrating your investments in a few high-risk stocks by maintaining a diversified portfolio.
Exit Strategy: Define clear exit criteria based on predetermined price targets, fundamental changes in the company's business, or adverse market conditions.
Why Consider Mutual Funds:
Professional Expertise: Mutual fund managers conduct in-depth research and analysis to identify multibagger opportunities and manage risk effectively.
Diversification: Mutual funds offer exposure to a diversified portfolio of stocks, reducing individual stock-specific risks.
Ease of Management: Investing in mutual funds eliminates the need for active stock selection and monitoring, making it suitable for passive investors.
By leveraging the expertise of mutual fund managers and adopting a disciplined approach to investing, you can potentially benefit from multibagger opportunities while managing risk effectively.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I am investing in SIP just 4 months away in Quant small cap fund direct growth. Any suggestion for changes?
Ans: Considering your current investment in SIP with Quant Small Cap Fund Direct Growth, here are some suggestions:

Regular Funds with Mutual Fund Distributor (MFD):
Regular funds offer the advantage of professional guidance and personalized support from Mutual Fund Distributors (MFDs).
MFDs can provide valuable insights, portfolio reviews, and guidance tailored to your financial goals and risk profile.
Regular funds typically include the distributor's commission in the expense ratio, which helps cover the cost of their services.
Benefits of Regular Funds with MFD:
Emotional Support: MFDs can offer emotional support during market volatility, helping you stay disciplined and focused on your long-term investment objectives.
Professional Guidance: MFDs possess expertise in financial markets and investment products, offering personalized advice to optimize your investment strategy.
Portfolio Monitoring: MFDs can monitor your portfolio regularly, making proactive adjustments as needed to align with changing market conditions and your financial goals.
Considerations for Switching:
Evaluate the performance of Quant Small Cap Fund Direct Growth relative to its benchmark and peer group.
Assess the level of support and guidance you currently receive from your MFD and determine if it meets your needs.
Compare the expense ratios of regular funds with those of direct funds to understand the impact on your overall returns.
Next Steps:
Schedule a meeting with your Mutual Fund Distributor to discuss your investment portfolio and goals.
Seek their advice on transitioning from direct funds to regular funds that align with your risk tolerance and investment objectives.
Review the impact of any potential changes on your investment strategy and make informed decisions accordingly.
By considering the benefits of regular funds with Mutual Fund Distributors, you can enhance the support and guidance you receive while optimizing your investment portfolio for long-term success.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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I have a corpus of 57 Lakhs till now and invest Rs 30000 per month in Mutual Funds which are basically mid cap funds and over a period of 5 years how much can I expect to accumulate and do I need to do any course correction
Ans: With your current corpus of 57 Lakhs and a monthly investment of Rs 30,000 in mid-cap mutual funds, let's explore your potential accumulation over the next 5 years and whether any course corrections are necessary:

Expected Accumulation in 5 Years:
Given your monthly investment of Rs 30,000 and assuming an average annual return of X%, your corpus after 5 years can be estimated.
The final amount will depend on various factors including the performance of the mid-cap funds, market conditions, and your investment strategy.
Course Correction Analysis:
Assess the performance of your mid-cap funds over the past few years to determine if they have met your expectations and investment objectives.
Consider factors such as fund performance relative to benchmarks, consistency, volatility, and expense ratios.
Evaluate your risk tolerance and investment horizon to ensure alignment with your chosen mid-cap funds.
Review the diversification of your mutual fund portfolio to mitigate risk and optimize returns.
Explore the possibility of rebalancing your portfolio or exploring other investment options based on changes in your financial goals, market conditions, or personal circumstances.
Professional Guidance:
Consult with a certified financial planner or investment advisor to conduct a comprehensive review of your investment portfolio.
Seek personalized advice tailored to your financial situation, goals, and risk tolerance.
Consider enrolling in financial literacy courses or workshops to enhance your knowledge and skills in investment management and financial planning.
Regular Monitoring:
Stay proactive in monitoring the performance of your mutual fund investments and staying abreast of market trends and developments.
Review your investment strategy periodically and make adjustments as needed to stay on track towards your financial goals.
By evaluating your current investment approach, seeking professional guidance, and staying informed about market dynamics, you can make informed decisions and optimize your wealth accumulation over the next 5 years.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Hello Sir ,I am 50 years old and a government servant in Rajasthan having served the department for 21 years now with 12 years of service still remaining . I own a house which is almost debt free, have invested in sip’s ,which are small amount but in different funds which includes SBI blue chip,nippon ,quant small cap fund ,Parag Parikh flexicap .I have one daughter and my wife is also a government teacher.We both would get around one crore each when we retire . My objective now is my daughter’s education,her marriage and post retirement a better life economically. I have family health insurance also despite government providing us with a free of cost health services.In which funds , for long and short term,I should invest to fulfill my future requirements.My job is pensionable.
Ans: It's commendable that you're thinking ahead and planning for your family's future. Here are some tailored suggestions for your financial goals:

For Daughter's Education:
Short-Term (0-5 Years): Consider investing in debt mutual funds or fixed deposits to ensure capital preservation for your daughter's near-term education expenses.
Long-Term (5+ Years): Since your daughter's education is a long-term goal, you can invest in a mix of equity mutual funds with a focus on growth. Look for diversified funds that offer exposure to large-cap, mid-cap, and flexi-cap segments.
For Daughter's Marriage:
Medium to Long-Term (5-15 Years): To accumulate funds for your daughter's marriage, you can allocate a portion of your investments to equity mutual funds with a longer investment horizon. Opt for a combination of large-cap and flexi-cap funds for stability and growth potential.
For Retirement:
Long-Term (12+ Years): As you have a pensionable job, your retirement corpus can supplement your pension income. Invest in a diversified portfolio of equity mutual funds along with a portion allocated to debt funds for stability. Aim for a balanced approach that accounts for both growth and capital preservation.
Fund Selection:
Equity Funds: Look for well-established funds with a consistent track record of performance and a focus on long-term wealth creation. Consider funds with a proven investment strategy and experienced fund managers.
Debt Funds: Choose debt funds that offer a blend of safety and returns suitable for your short-term goals. Opt for funds with a low credit risk and a moderate duration profile.
Balanced Funds: Consider allocating a portion of your investments to balanced funds, which offer a mix of equity and debt exposure. These funds provide diversification and stability to your portfolio.
Risk Management:
Review Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Make adjustments as needed based on changes in your circumstances or market conditions.
Stay Informed: Stay updated on market trends, economic developments, and investment opportunities. Knowledge empowers you to make informed decisions and navigate financial markets effectively.
Consultation:
Seek Professional Advice: Consider consulting with a certified financial planner to develop a personalized financial plan tailored to your specific needs and objectives. A professional advisor can provide valuable insights and guidance to help you achieve your financial goals effectively.
By following these recommendations and staying disciplined in your investment approach, you can work towards securing a bright and financially stable future for yourself and your family.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Sir i want to invest in sip my monthly saving will be between 1000 to 2500 Rs please advice.
Ans: It's great that you're looking to start investing through SIPs with your monthly savings! Here's some advice tailored to your budget:

Start Small: Even with a modest monthly savings of Rs. 1000 to 2500, you can begin investing through SIPs. The key is to start early and remain consistent with your contributions.
Choose Low-Cost Funds: Look for mutual funds with low expense ratios, as they minimize the impact of fees on your returns. Opt for direct plans of mutual funds to save on distribution expenses.
Focus on Equity Funds: Given your long-term investment horizon, consider investing in equity mutual funds. These funds have the potential to deliver higher returns over the long run, although they come with higher volatility.
Diversify Your Portfolio: Select a mix of different types of equity funds, such as large-cap, mid-cap, and multi-cap funds, to spread your risk across various market segments. Diversification can help mitigate the impact of market fluctuations.
Stay Invested for the Long Term: SIPs work best when you stay invested for the long term, allowing your investments to benefit from the power of compounding. Aim to invest consistently over several years to maximize your returns.
Review and Adjust: Periodically review your SIP investments to ensure they align with your financial goals and risk tolerance. You may need to adjust your investment strategy based on changes in your financial situation or market conditions.
Stay Informed: Take the time to educate yourself about mutual funds, investment strategies, and market trends. This knowledge will empower you to make informed decisions and stay on track with your financial goals.
Consult a Financial Advisor: If you're unsure about which funds to invest in or how to construct your investment portfolio, consider consulting a financial advisor. They can provide personalized advice based on your financial situation and goals.
By following these tips and starting your SIP journey with discipline and patience, you can gradually build wealth over time and work towards achieving your financial objectives. Remember, every rupee invested today can make a difference in securing your financial future tomorrow.

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Ramalingam

Ramalingam Kalirajan  |1445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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hello sir im working in merchanr navy and taking yearly salary of 30-32 lakhs after tax. im 35, finished all my loans, never invested in finicial market but want to invest about 10-12 lakhs early please give suggestions.
Ans: Congratulations on paying off your loans and considering investing in the financial market! Here are some suggestions tailored to your situation:

Emergency Fund: Before investing, ensure you have an emergency fund equivalent to at least 6-12 months of living expenses. This fund should be easily accessible in case of unforeseen circumstances.
Investment Goals: Define your investment goals, such as wealth accumulation, retirement planning, or funding future expenses. Knowing your objectives will help you choose the right investment avenues.
Diversified Portfolio: Consider diversifying your investments across different asset classes to spread risk. You can allocate funds to equities, mutual funds, fixed deposits, bonds, and other instruments based on your risk tolerance and investment horizon.
Equity Investments: Since you have a relatively high income and a long investment horizon, you may consider allocating a portion of your funds to equity investments. You can start with mutual funds or direct equity investments, focusing on blue-chip stocks or index funds for stability and growth potential.
Mutual Funds: Mutual funds offer a convenient way to invest in a diversified portfolio managed by professional fund managers. You can explore various categories such as large-cap, mid-cap, and multi-cap funds based on your risk appetite and investment goals.
Systematic Investment Plan (SIP): Consider starting a SIP in mutual funds, where you invest a fixed amount regularly. SIPs offer the benefit of rupee cost averaging and can help in wealth creation over the long term.
Financial Advisor Consultation: Given your lack of experience in financial markets, it's advisable to consult a financial advisor or planner. They can assess your financial situation, risk tolerance, and investment goals to provide personalized investment recommendations.
Risk Management: While investing in equities can offer higher returns, it also comes with higher risk. Ensure you are comfortable with the level of risk associated with your investment choices and diversify your portfolio to mitigate risks.
Continuous Learning: Take the time to educate yourself about different investment options, market dynamics, and financial planning concepts. Continuous learning will empower you to make informed investment decisions and navigate the financial markets effectively.
Review and Adjust: Regularly review your investment portfolio to track performance and make necessary adjustments based on changes in your financial situation or market conditions.
By following these suggestions and seeking professional guidance, you can embark on your investment journey with confidence and work towards achieving your financial goals.

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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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