Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 16, 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 16, 2023Hindi
Listen

Dear Anu I am married to my husband for 9 years now. It was a love marriage and I have known him for over 12 years now. Over the last few years, so much has happened. We've disagreed over his friends, my in-laws, our political views. He has rarely ever supported me in public. Instead of finding a middle ground or finding solutions, he chooses to walk away because he likes to sit on the fence. Because of his silence, I am always portrayed as the villain of the story. He doesn't want to criticise anyone but has time and again blamed me for keeping him away from his 'close circle'. I don't understand how any of this is my fault when it is he who has distanced himself instead of sorting out differences when the time was right? Now, I have to think twice before expressing anything. This has naturally widened the gap between us and except for physical intimacy, we have lost the friendship we once shared. How do I deal with this?

Ans: Dear Anonymous,
Love marriages, we assume is safeguarded against any of the usual misunderstandings that crop up in a marriage that is arranged. But, I guess when you are in love, it usually takes a spin of 'anything is fine, because I love him/her'.
What this initial understanding does is keep you in a place of 'all is fine' which comes back to haunt you later in life. Your friends need not be equal to my friends, what you like to eat may not be what I like to eat, but in love this doesn't stand a chance. So, now that this is where both of you are, what I can suggest is:
- Go back to that moment where both of you thought of coming together into a marriage.
The reason is usually ONE strong one and it is the one that needs to serve as a reminder.
- Of course, like many will tell you, sit down as two mature adults and talk about what irks either of you and giving a patient listening to one another, even when they say things against you. Remember, you are rebuilding your marriage.
- Remind yourselves how you were in love, even if you have enough evidence now against it
- Learn to celebrate each other's individual lives; Chinese and Mexican food rarely go well together, yet we learn to relish them individually, don't we?
- His silence is his defence mechanism and the only way to break it is through a lot of reassurance that he will be heard
- A lot of care and love in creating moments where you can be by yourselves minus family, friends and children (if any) can give the two of you some time to resolve the underlying issues

It takes two to build a marriage and the blame game will continue...one of you has to break the pattern to draw a different perspective where the marriage seems every bit worth it.
So, all the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    ..Read more

    Anu

    Anu Krishna  | Answer  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 27, 2021

    Listen
    Relationship
    Dear mam, my husband and I had a love marriage. We dated for five years before getting married and we have been living together for 8 years now. I am working and we have a 5 year old son. He is a very good guy but his parents and relatives who are staying with us are making things difficult for us now. Like you suggested I tried talking to my husband but I feel he is being biased and taken for granted. I tried to adjust and ignore some things but there is a lot of politics going on every day which is affecting both of us. From money issues to privacy and kitchen fights, we are dealing with a lot of things that I am not able to talk and solve. This is affecting my career and my son’s studies too. Every time I start a discussion it leads to a big fight in front of everyone. Ultimately I am cornered and blamed. The patent response is: everyone adjusts. I’m not able to handle it well and no support from anyone. Also I don’t have anyone to talk to whom I can trust. Please help.
    Ans: Dear S, Thank you for trying to apply a few of my suggestions. Extended families can be a huge challenge to live with as much as there are advantages as well.

    Too much mixing of thoughts and opinions that at times you feel that your thoughts are never valued.

    Either, you ease into this and know that this will be your world; which means you start to ‘try’ to become happy which can be stressful.

    If this is impossible and you want to change it, then STEP UP for yourself and for your son.

    No arguments, no fights, but firmly asserting what you want.

    Be kind always no matter what because your husband is just in the midst of his family and the family system that he has been raised with, your protests don’t matter much.

    Making your point known doesn't need fights, but reiterating what you want and that your thoughts must be respected.

    It’s possible that over a few weeks, this new calm behavior of yours might bring some change in your husband and he may start hearing and listening to what you have to say.

    If that doesn’t work, yes you may have to take the help of a professional who will put you two together in a place and become a good third person who will facilitate the communication.

    Whatever it is, be kind and calm and I am sure you are…it helps in ‘breaking down’ the stubbornness in other people and they maybe willing to calm down as well.

    Be at peace.

    ..Read more

    Anu

    Anu Krishna  | Answer  |Ask -

    Relationships Expert, Mind Coach - Answered on Oct 19, 2022

    Relationship
     Hello mam,(I want to remain anonymous )I want to ask regarding my relationship with my husband.We got married in 2013 and after a month and so...He started saying I shouldn't mingle with Muslim friends who were my colleagues in my office. I told him they are good people and we've never had such kind of differences. But he got angry and from here one by one he started picking fights for each and everything. Since we are newly weds, I asked if we can explore new nearby(one day trip)places during the weekend, which he didn't do. My parents lived nearby and since we used to stay at home they'd call us on weekends for lunch or dinner. He started fighting for that also. He also started body shaming me saying I have gained weight (and everyone in his home are commenting about my weight). I had only gained 3 kgs after my marriage.He said I have relationships with colleagues even after my engagement, which was not the case. Later he said I shouldn't go out for lunch meetings arranged by the company for the whole team. He said I'm wasting time in the company and there is no bright future. I tried to find a job outside but I couldn't cope up with the demeaning and exhausting behaviour in the house and non-stop workload in the office. I agree I was a bit lazy to find a new job but I couldn't do it. In 2015 I left the job and was jobless for 2 months (this happened drastically after a big fight in his hometown that too for trivial reasons). During these two months he made my life a living hell. He would fight for the smallest of things. I had to take care of the house, his younger brother and sister. There were times when we fought because I took care more of his siblings and not him (I used to wonder why he is being hostile when taking care of his family).In 2016 we started our family planning and by God's grace we had baby in 2017. Even when I was pregnant he used to pressurize me to ask my mom to come and take care of me but my mom used to work in a different city and I was thoroughly taken care by my granny and my father. He had problems with that as well. When he started fighting for this matter, I asked him to bring his mother (I knew it was not possible because it's difficult to leave the home and come take care of me) but he kept on saying weird things and insulting my mother saying she is dominating, irresponsible.After having the baby he left me in his hometown for 1 whole year saying that till I prepare myself for the interview and find a new job he will not live with me. I kept begging him, fought with him and even tried to commit suicide because I didn't want to live there anymore after 8 months. I just wanted to come back and have my family which he denied saying he has financial problems. Ultimately I had to pressurise my parents to intervene and take me and my child to their home.Whenever he felt like seeing his daughter he used to come. Otherwise he totally ignored us. My parents and I begged him to come home and stay but he refused (we had a tight financial situation so we couldn't afford a house). My father arranged a small home without any amenities to keep his house's unwanted things. My husband said he will stay there and not in my parents’ house for which I objected. Yet he stayed there for almost 6 months. Later I found a job and moved to a new house.When the pandemic hit I lost my beloved father and my job. I could have saved him but my husband did not allow me to go to my parents place even after explaining to him the situation that my parents are facing. My father did not die of Covid but due to medical negligence. He wanted me to cook and take care of his family in his hometown.He suggested my mother and brother to take leave of two months and sort out all the legal activities which they couldn't. My brother had to leave for his job overseas and mother back to her job. She used to come every three weeks and ask for my help to get things done. He got angry for that and kept on blaming me that I only take care of my family and not him. After my father's death he started insulting my mother. He even made his father to call my mom and talk cheap with her and my brother.Fast forward to now, we have been fighting non-stop and every week there will be a fight, name calling, vulgar words exchanged. He stops talking to me for months together and there has hardly been any physical or emotional intimacy. Even after I confess, cajole and plead with him to sort out our family, he agrees momentarily and again within a week there will be a new topic to fight on in such a way it goes to extremes.This roller coaster ride -- the fights in our relationship -- has affected my child immensely and sometimes for the sake of the child we plan not to divorce each other. But I'm guilty that I'm not providing my child a healthy environment. That I'm not a good wife. I'm confused whether I should continue in this relationship or quit it for the betterment of the three of us because I cannot take this emotional abuse and have my child watching me cry non-stop. Please guide me if my husband will change in future. Should I try counselling or do I divorce him? Because whenever I keep my hopes positive, he goes back to his old ways.
    Ans:

    Dear VS,

    You are married to a man who gets his self-esteem and validation by showing you in poor light, exercises control by telling you who your professional/social circle should be, makes you weak by detaching you from your parents and those who are your support system.

    Does this put things into perspective for you as to where you are in within your marriage?

    Once you fulfil the above, he might be willing to somewhat accept you, but there will be constant new demands to keep his self-esteem high. It’s all about him, him, and him.

    Does he need to visit a professional who can guide him to a better way of thinking? Yes, but that will happen only when he acknowledges his false sense of existence and flushed ego.

    If that is possible, do visit a professional who can help him ably and then he might be able to see the marriage in a new light and his contribution towards it.

    Till then, this seems to be a battle with a child who is adamant about getting one candy and then another and yet another and then crying out loud when denied.

    The child is absolutely growing up in an emotionally challenging environment and this will obviously affect his growth, both physically and emotionally.

    I am glad you have been thinking about what to do and now you know what an absolute must-have for the marriage is, to continue.

    He must change the way he thinks and acts and treats you like his partner and not someone who was married to him for his sense of validation and self-esteem.

    Be wise, watch and decide!

    All the best!

    ..Read more

    Latest Questions
    Janak

    Janak Patel  |21 Answers  |Ask -

    MF, PF Expert - Answered on Mar 13, 2025

    Asked by Anonymous - Mar 10, 2025Hindi
    Listen
    Money
    Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
    Ans: Hi,

    Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
    Emergency Fund - 25 lakhs (3.5%)
    Fixed Deposits - 65 lakhs (7%)
    PF/PPF/NPS - 25 lakhs (8%)
    MF/Stocks - 25 lakhs (10%)
    LIC Policies - 25 lakhs (no change)
    Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

    Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

    You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

    I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
    You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
    With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
    If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

    Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
    And this is excluding the properties you own and additional investments you can make for the next 4 years.

    Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

    I want to highlight/recommend few points -
    1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
    2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
    3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
    4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


    Thanks & Regards
    Janak Patel
    Certified Financial Planner.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |8098 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

    Asked by Anonymous - Mar 11, 2025Hindi
    Listen
    Money
    Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
    Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

    Overlap Between Funds
    Your portfolio has multiple funds from the same category.

    Too many similar funds do not improve returns but make tracking difficult.

    Checking fund overlap can help avoid duplication.

    Actively Managed vs Index Funds
    You have index funds in your portfolio.

    Index funds do not offer downside protection in market corrections.

    Actively managed funds can outperform the index in volatile markets.

    Switching from index funds to actively managed funds can improve growth.

    Direct vs Regular Funds
    You have invested in direct funds.

    Direct funds may seem cheaper, but they lack expert guidance.

    Investing through an MFD with CFP credentials ensures better selection and tracking.

    Regular funds provide better decision-making support over time.

    Sector-Specific and Thematic Funds
    You hold a technology fund.

    Sector funds are high-risk, as they depend on one industry’s performance.

    If the sector underperforms, returns may be negative for years.

    A diversified approach reduces risk compared to sector-based investing.

    Smallcap and Midcap Allocation
    You have smallcap and midcap funds.

    These funds can be highly volatile in the short term.

    Holding them for 5+ years is necessary to reduce risk.

    Ensure you rebalance if the portfolio gets too aggressive.

    Multi-Asset and Dividend Yield Funds
    Multi-asset funds provide stability during market corrections.

    Dividend yield funds are suitable for conservative investors.

    These funds help in balancing the portfolio between risk and return.

    Final Insights
    Reduce overlapping funds and focus on fewer, well-performing funds.

    Exit index funds and shift to actively managed funds for better growth.

    Consider switching from direct funds to regular funds for expert tracking.

    Keep sector funds below 10% of your portfolio to avoid concentration risk.

    Continue SIPs in high-quality diversified funds for long-term wealth creation.

    Best Regards,

    K. Ramalingam, MBA, CFP

    Chief Financial Planner

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

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |8098 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

    Listen
    Money
    Can I run my family with 15 k exp and 20k retirement income
    Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

    Cost of Living and Inflation Impact
    Expenses will increase over time due to inflation.

    If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

    If income remains Rs 20,000, the gap between income and expenses will widen.

    Healthcare and Medical Costs
    Medical expenses increase with age.

    Even with health insurance, out-of-pocket medical costs can rise.

    If a medical emergency arises, your savings could be depleted quickly.

    Emergency Fund Requirement
    A sudden family emergency can strain finances.

    Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

    If you do not have an emergency fund, your retirement income may not be sufficient.

    Unplanned Expenses and Lifestyle Changes
    New financial needs may arise, such as helping family members or home repairs.

    You may want to travel, pursue hobbies, or engage in social activities.

    A fixed retirement income can make such expenses challenging.

    Investment Strategy for Long-Term Security
    To beat inflation, invest a portion of savings in growth-oriented assets.

    A mix of equity and debt funds will help generate better returns.

    A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

    Alternative Income Sources
    Consider part-time work, freelancing, or consulting if possible.

    Rental income or dividends from investments can support retirement cash flow.

    Final Insights
    Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

    A combination of investments, emergency funds, and alternate income sources will provide financial security.

    Regularly review and adjust your financial plan to sustain your retirement lifestyle.

    Best Regards,

    K. Ramalingam, MBA, CFP

    Chief Financial Planner

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

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |8098 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

    Asked by Anonymous - Mar 11, 2025Hindi
    Listen
    Money
    Hello sir, I have about 28 lakhs invested in different MF. Now i want a SWP of 35000 per month from that total fund. Looking at the current market situation I was either thinking if dividing the fund between debt 30% and equity 70%. But instead of investing a lumpsum amounts will it make more sense to park all my funds in a dynamic debt fund and then every month do SIP of maybe one lakh each to equity fund or balanced fund. Also i would like to know what difference will it make in my investment returns between sip and lumpsum except ofcourse averageing the market volatility in case of SIP and getting more UNITS if done lumpsum.
    Ans: You have Rs 28 lakh invested in mutual funds and want to withdraw Rs 35,000 per month through a Systematic Withdrawal Plan (SWP). You are considering whether to invest the corpus as a lump sum in a 70% equity – 30% debt allocation or to park the full amount in a debt fund and do an SIP of Rs 1 lakh per month into equity.

    Your goal should be to generate stable withdrawals while preserving your capital and ensuring growth. Below is a structured approach to managing your funds wisely.

    Understanding SWP and Its Impact on Your Corpus
    SWP is a cash flow strategy, allowing regular withdrawals while the remaining corpus continues to grow.

    The key challenge is to balance withdrawals and growth so that the corpus does not deplete too soon.

    Investing in a mix of debt and equity will ensure stability while benefiting from market growth.

    Option 1: Investing 70% in Equity and 30% in Debt
    This allocation is suitable for long-term growth. Equity provides growth, while debt ensures stability.

    A balanced portfolio helps manage volatility and ensures a steady SWP.

    The downside is that a lump sum investment in equity exposes you to market fluctuations.

    If the market falls after investing, the SWP may lead to selling equity at a lower value, reducing corpus longevity.

    Option 2: Parking in a Debt Fund and Doing Monthly SIPs
    This reduces market timing risk by investing gradually.

    Debt funds provide low but steady returns, protecting the corpus while equity exposure increases.

    SIPs spread the risk over time, ensuring better price averaging.

    The downside is that debt funds provide lower returns, which may impact the final corpus.

    SIP vs Lump Sum: Key Differences
    SIP helps in market averaging, reducing the impact of volatility.

    Lump sum investment can generate higher returns if the market performs well.

    SIP is better for those worried about market crashes, while lump sum works well for long-term investors willing to take higher risks.

    Best Strategy for You
    A hybrid approach will work best:

    Step 1: Park Rs 28 lakh in a low-duration or dynamic debt fund.

    Step 2: Start an SIP of Rs 1 lakh per month into equity for 24–28 months.

    Step 3: Withdraw Rs 35,000 per month from the debt fund until equity allocation builds up.

    Step 4: After 2–3 years, rebalance to maintain a 60% equity – 40% debt allocation for stability.

    Tax Implications of SWP
    Withdrawals from equity funds held for over 1 year attract 12.5% tax on LTCG above Rs 1.25 lakh.

    Withdrawals before 1 year attract 20% STCG tax.

    Withdrawals from debt funds are taxed as per your income tax slab.

    Final Insights
    A mix of debt and equity will ensure growth and stability in your SWP plan.

    Parking the corpus in a debt fund first and then gradually shifting to equity is a safer approach.

    Rebalancing every 2–3 years will help manage risk and sustain withdrawals.

    Keep track of taxation to optimise post-tax returns.

    Best Regards,

    K. Ramalingam, MBA, CFP

    Chief Financial Planner

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

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |8098 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

    Asked by Anonymous - Mar 12, 2025Hindi
    Listen
    Money
    Hello Sir, I am 46. Unemployed due to health reasons. I have 28 lakhs i want to invest in SWP . I need 35000 monthly. How long do I have before my fund runs out? How should I invest to make the most of it? I want my funds to appreciate as well to be atleast propionate to my need of 35000. Given- if i invest in lumpsum than I get higher number of units and if i take the SIP route it can negate the market volatility. Looking at the current market scanerio i believe it may take couple of years to see proper returns. I was also thinking of pooling the entire corpus in Aggressive debt funds and then do a SIP to an actively managed equity fund. Under these circumstances please provide fund names also. Thanks in advance.
    Ans: You are 46 and unemployed due to health reasons. You need Rs 35,000 per month from your investments. Your goal is to make your funds last longer while allowing growth.

    Let us analyse your options and create a plan.

    Assessing Your Requirement
    You need Rs 4.2 lakh per year (Rs 35,000 x 12 months).

    Your corpus is Rs 28 lakh.

    If you withdraw Rs 4.2 lakh annually without growth, your funds will last less than 7 years.

    You need growth to sustain withdrawals for a longer period.

    Challenges with a High SWP Rate
    A SWP of 15% per year (Rs 4.2 lakh from Rs 28 lakh) is too high.

    Safe withdrawal rates are usually 4-6% per year.

    A high withdrawal rate will deplete your corpus fast.

    Investment Strategy for SWP
    You need a mix of equity and debt to balance growth and stability.

    Step 1: Allocate Corpus Wisely
    Equity (50%): Invest for growth.
    Debt (50%): Keep funds for the next 5-6 years of withdrawals.
    This approach helps maintain stability while allowing long-term appreciation.

    Step 2: SWP from Debt Funds
    Start your SWP from debt funds to avoid withdrawing from volatile equity investments.

    Debt funds provide stability and minimise short-term risk.

    This ensures your equity investments have time to grow.

    Step 3: Systematic Transfer to Equity
    Keep your equity allocation in a flexi-cap or multi-cap fund for diversification.

    Invest in a systematic transfer plan (STP) from a debt fund to an equity fund.

    This reduces market timing risk and balances volatility.

    Expected Corpus Longevity
    If your portfolio grows at 8-10% annually, your funds may last 10-12 years.

    If the market performs well, your funds may last longer.

    A lower withdrawal rate will further extend sustainability.

    Alternative Options to Sustain Your Corpus
    Reduce withdrawals: If possible, lower monthly expenses to Rs 25,000-30,000.

    Part-time income: If health permits, explore work-from-home or passive income options.

    Medical emergency fund: Keep at least Rs 2 lakh aside for medical needs.

    Review investments: Rebalance every year to maintain growth and stability.

    Final Insights
    Your current withdrawal rate is high.

    A balanced equity-debt approach can extend the longevity of your corpus.

    Use SWP from debt funds and STP to equity for better returns.

    Monitor the portfolio regularly to ensure sustainability.

    If possible, reduce withdrawals slightly to make the corpus last longer.

    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.

    Close  

    You haven't logged in yet. To ask a question, Please Log in below
    Login

    A verification OTP will be sent to this
    Mobile Number / Email

    Enter OTP
    A 6 digit code has been sent to

    Resend OTP in120seconds

    Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
    Sign up

    By signing up, you agree to our
    Terms & Conditions and Privacy Policy

    Already have an account?

    Enter OTP
    A 6 digit code has been sent to Mobile

    Resend OTP in120seconds

    x