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

Anu Krishna  |873 Answers  |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  |873 Answers  |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  |873 Answers  |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)

    ..Read more

    Anu

    Anu Krishna  |873 Answers  |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  |873 Answers  |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  |873 Answers  |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
    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Listen
    Money
    Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.
    Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

    Assessing Your Current Portfolio
    SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

    ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

    HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

    Considerations for Continuation or Switch
    Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

    Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

    Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

    Potential Actions
    Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

    Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

    Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

    Conclusion
    While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Listen
    Money
    Hello sir, I want to invest some amount of money from my salary about 7000-8000 per month to meet my short term goals like marriage and buying a car in a horizon of 4-5 years , I am already invested in Mutual funds and Stocks for meeting my long term goal .My current age is 25 ,kindly suggest me some strategies for short term invest of 5 years.
    Ans: Short-Term Investment Strategies for Achieving Your Goals
    Assessing Your Short-Term Goals
    With a horizon of 4-5 years, your objectives of funding a marriage and buying a car require a conservative investment approach to minimize risk while aiming for reasonable returns. Let's explore suitable strategies to meet these goals effectively.

    1. Debt Mutual Funds
    Consider allocating a portion of your monthly investment towards debt mutual funds, which offer stability and relatively lower risk compared to equity investments. Opt for short to medium duration debt funds or dynamic bond funds that provide potential for higher returns than traditional fixed deposits.

    2. Recurring Deposits (RDs)
    Investing in Recurring Deposits (RDs) can be a simple and convenient option to accumulate funds for short-term goals. RDs offer fixed returns with the flexibility of monthly contributions, allowing you to build a corpus gradually over time.

    3. Liquid or Ultra Short-Term Funds
    Liquid funds or ultra-short-term funds are suitable for parking your short-term savings, offering liquidity and stability. These funds invest in short-term debt securities, providing potential for higher returns than traditional savings accounts while maintaining capital preservation.

    4. Systematic Investment Plans (SIPs) in Balanced Funds
    Consider investing in SIPs in balanced funds, which offer a mix of equity and debt exposure, balancing growth potential with downside protection. Balanced funds can provide stability during market fluctuations while aiming for reasonable returns over the medium term.

    5. Goal-Based Investing
    Segment your short-term goals, such as marriage and car purchase, and allocate investments accordingly. Determine the required amount for each goal and set up separate investment accounts or portfolios to track progress towards achieving them.

    6. Regular Review and Adjustment
    Periodically review your investment strategy and make adjustments based on changing market conditions, goal timelines, and personal circumstances. Consider reallocating funds between investment options to optimize returns and manage risk effectively.

    Conclusion
    By diversifying your investments across debt mutual funds, RDs, liquid or ultra-short-term funds, and SIPs in balanced funds, you can create a robust short-term investment strategy to achieve your goals within the 4-5 year horizon. Stay disciplined in your savings approach and monitor your progress regularly to ensure you're on track to meet your objectives.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 07, 2024Hindi
    Listen
    Money
    Hi, My age is 37 years and need suggestion if my investment strategy is correct .I dont have specific plans for withdrawal,However looking to save for my kids higher education and comfortable retirement. Currently my monthly investment is distributed as below: i) 130000 SIP in Mutual Fund ( Large Cap 50% : a)DSP equal weight Index fund b)Canara Rob Bluechip C) SBI Contra Midcap 25%: a) Motilal mid b) Quant Mid Smallcap 15%: a) Quant Small b) Canara Rob small Misc. fund 10%: a) ICICI Nasdaq b) Edelweiss Gold+Silver I do step up in SIP based = salary increment I get. ii) 12700 in NPS iii) 40000 in FD instead of debt fund iv) 12000 to PPF 50000 every year in NPS for additional tax saving. Additionally I am already have mutual fund accumulation value of 60 Lakhs (XIRR 21%) and 12lakhs in direct stocks. Term life insurance of 50lakhs. Together with me ,I have one 9year old son and wife living together with my parents. I have no investment in real estate as had very bad experience in past . Staying in parental home. Everyone says one should have real estate investment which currently i dont hav. Please advice about my investment strategy for next 13 years till I reach 50 years of age.
    Ans: Evaluating and Optimizing Your Investment Strategy for Long-Term Goals
    Comprehensive Portfolio Review
    Your diversified investment portfolio reflects a prudent approach towards achieving your financial objectives of funding your children's education and securing a comfortable retirement. Let's assess each component to ensure alignment with your goals and risk tolerance.

    Mutual Fund SIPs Allocation
    Your allocation to mutual fund SIPs across large-cap, mid-cap, and small-cap categories is well-diversified, aiming for growth potential while managing risk. Consider periodically reviewing fund performance and rebalancing your portfolio to maintain optimal asset allocation.

    National Pension System (NPS) Contributions
    Continuing NPS contributions provide tax benefits and long-term retirement savings. Evaluate the suitability of your NPS investment strategy based on your risk profile and retirement goals. Consider adjusting your asset allocation within the NPS to align with your overall portfolio.

    Fixed Deposits vs. Debt Funds
    Reassess the rationale for allocating funds to Fixed Deposits instead of debt mutual funds. Debt funds offer potentially higher returns and tax efficiency compared to FDs. Evaluate your risk appetite and liquidity needs to determine the optimal allocation between fixed income instruments.

    Public Provident Fund (PPF) Contributions
    PPF contributions provide tax benefits and long-term wealth accumulation. Evaluate whether the current allocation aligns with your overall asset allocation strategy and consider maximizing contributions to leverage the tax advantages and potential compounding benefits.

    Additional NPS Contributions for Tax Saving
    Contributing 50,000 annually to NPS for tax savings is beneficial, but ensure it aligns with your retirement goals and risk profile. Evaluate the impact of additional NPS contributions on your overall portfolio diversification and consider alternative tax-saving options if necessary.

    Risk Management and Insurance
    Your term life insurance coverage provides financial protection for your family. Consider reviewing your insurance needs periodically to ensure adequate coverage based on your evolving financial situation and responsibilities.

    Real Estate Investment Consideration
    While real estate can be a valuable asset class, your past negative experience warrants caution. Evaluate alternative investment avenues that offer diversification, liquidity, and potential returns aligned with your risk tolerance and long-term goals.

    Seeking Professional Guidance
    Consider consulting with a Certified Financial Planner (CFP) to conduct a comprehensive review of your investment strategy. A CFP can provide personalized recommendations, optimize your portfolio, and align your investments with your financial objectives and risk tolerance.

    Conclusion
    By regularly reviewing and optimizing your investment strategy, you can enhance the probability of achieving your financial goals over the next 13 years. Stay disciplined in your savings and investment approach, and seek professional guidance to navigate market dynamics and optimize portfolio performance.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 07, 2024Hindi
    Listen
    Money
    I am 34 years old living with my Parents, my wife and 3 yr old Son, I have invested around 75L through various FDs and Post office schemes, currently having a house loan of 45L for which I am paying EMI 35000 and extra amount each month around 25000 for past two years, planning to start to invest in SIP by this year to plan my retirement when I reach 50 years of age Could anyone please guide me for this. Currently having monthly salary 70,000 in hand.
    Ans: Crafting a Financial Plan for Retirement and Wealth Accumulation
    Assessing Your Current Financial Situation
    At 34, you've demonstrated prudent financial habits by investing in FDs and Post Office schemes, along with diligently repaying your housing loan through regular EMIs and additional payments. With a stable monthly salary of 70,000 and a family to support, it's wise to plan for your long-term financial security.

    Prioritizing Retirement Planning
    Starting SIPs for retirement planning is a commendable step towards securing your financial future. Aim to allocate a portion of your monthly income towards equity-oriented mutual funds through SIPs to harness the power of compounding over the long term.

    Determining Retirement Corpus
    Calculate your desired retirement corpus based on your lifestyle expenses, inflation, and retirement age target of 50. Consider consulting with a Certified Financial Planner (CFP) to determine the appropriate corpus required to maintain your desired standard of living post-retirement.

    Choosing Suitable Mutual Funds
    Select a mix of equity mutual funds that align with your risk tolerance, investment horizon, and financial goals. Diversify your portfolio across large-cap, mid-cap, and multi-cap funds to balance risk and potential returns. Monitor fund performance regularly and make adjustments as needed.

    Optimizing Debt Repayment
    Continue making additional payments towards your housing loan to accelerate debt reduction and save on interest costs. Consider evaluating refinancing options or negotiating with your lender to lower your interest rate and shorten the loan tenure, if feasible.

    Emergency Fund and Contingency Planning
    Ensure you have an adequate emergency fund equivalent to 6-12 months' worth of living expenses to cover unforeseen circumstances or financial emergencies. Review your insurance coverage, including health, life, and property insurance, to protect your family's financial well-being.

    Seeking Professional Advice
    Consult with a Certified Financial Planner (CFP) to develop a comprehensive financial plan tailored to your specific needs and goals. A CFP can provide personalized advice, recommend suitable investment strategies, and help you navigate complex financial decisions.

    Conclusion
    By prioritizing retirement planning, optimizing debt repayment, and building a robust financial safety net, you can achieve your long-term financial goals and secure a comfortable retirement for yourself and your family. Stay disciplined in your savings and investment approach, and seek professional guidance to maximize your wealth accumulation potential.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 06, 2024Hindi
    Listen
    Money
    I am 74 yrs old. I hv about 50 lakhs in bandhan bank FD Which are going to mature in june 2024. Should I invest the amount in Mutual funds like Axis focus/ blue chip fund etc for funds to grow as well as reduce the burden of I.TAX? What is ur advice for funds to grow and manage keeping in view of my age. Also I am single and how to manage such fund so that I can tranfer to nominees in my absense? Kindly advise
    Ans: Investment and Estate Planning for Senior Citizens
    Evaluating Investment Options
    Considering your age and the upcoming maturity of your FDs, investing in mutual funds can offer potential growth opportunities and tax efficiency. Opt for schemes like Axis Bluechip Fund, which focus on large-cap stocks, offering stability and growth potential suitable for senior citizens.

    Managing Risk
    Given your age and need for stability, prioritize low to moderate-risk investments that provide steady returns. Balanced funds or hybrid funds can offer a blend of equity and debt exposure, balancing growth potential with capital preservation.

    Tax Planning
    Mutual funds offer tax benefits such as indexation for debt funds and preferential tax treatment for equity funds held for the long term. Consult a tax advisor to optimize tax efficiency and minimize the impact of taxes on your investment returns.

    Estate Planning
    To ensure smooth transfer of assets to your nominees in the event of your absence, consider creating a will outlining your wishes regarding asset distribution. Designate nominees for your mutual fund investments and ensure they are aware of their roles and responsibilities.

    Seeking Professional Advice
    Consult with a Certified Financial Planner (CFP) to create a comprehensive financial plan tailored to your needs and goals. A CFP can provide personalized advice on investment strategies, tax planning, and estate planning, ensuring your financial well-being and legacy are secure.

    Regular Review
    Periodically review your investment portfolio and financial plan to adapt to changing market conditions and life circumstances. Stay informed about investment trends and seek professional guidance to make informed decisions.

    Conclusion
    By investing in suitable mutual funds, prioritizing tax efficiency, and implementing effective estate planning measures, you can achieve your financial goals and secure your legacy for your beneficiaries. Consult with a financial advisor to create a customized plan that meets your unique needs and preferences.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 05, 2024Hindi
    Listen
    Money
    Hi I'm 27 will be finally starting my government job from next month initial pay will be 30k/month . I wanted to know that looking at future perspective i want to set aside an emergency fund, invest in SIPs and possibly save as much as i can for my marriage too to relieve some burden off my parents. So with SIPs i obviously have 2 goals in mind my retirement corpus between 8-10 crores at the age of 58 and some short term fund i would like to take about of about 1 crores max within 5 years I'd say or possibly some SWP. I am open to suggestions thankyou.
    Ans: Crafting a Financial Plan for Your Future Goals
    Building Your Emergency Fund
    Starting with a government job offers stability, but it's prudent to set aside an emergency fund to cover unexpected expenses. Aim for at least 6-12 months' worth of living expenses in a liquid savings account to provide a financial safety net.

    Investing in SIPs for Long-Term Goals
    Allocate a portion of your monthly income towards systematic investment plans (SIPs) to achieve your long-term goals. For your retirement corpus target of 8-10 crores by age 58, consider investing in a diversified portfolio of equity mutual funds with a mix of large-cap, mid-cap, and multi-cap funds to harness the power of compounding over time.

    Saving for Short-Term Goals
    To save for your marriage and relieve the financial burden on your parents, consider setting up a separate investment account or recurring deposit to accumulate funds gradually. Depending on your timeline of 5 years, opt for relatively safer investment avenues such as debt mutual funds or balanced funds to balance risk and return potential.

    Exploring SWP for Short-Term Fund
    If you prefer to have access to regular income from your short-term fund, consider setting up a Systematic Withdrawal Plan (SWP) from your mutual fund investments. This allows you to withdraw a predetermined amount at regular intervals while keeping the remaining corpus invested for potential growth.

    Monitoring and Adjusting Your Plan
    Regularly review your financial plan and investment portfolio to track progress towards your goals. Adjust your savings and investment strategy as needed based on changes in your income, expenses, and financial objectives.

    Seeking Professional Guidance
    Consider consulting with a Certified Financial Planner (CFP) to create a comprehensive financial plan tailored to your specific needs and goals. A CFP can provide personalized advice, recommend suitable investment options, and help you navigate complex financial decisions.

    Conclusion
    By prioritizing your financial goals, setting up SIPs for long-term wealth creation, saving for short-term needs, and seeking professional guidance, you can embark on a journey towards financial security and achieve your aspirations of a comfortable retirement and a burden-free marriage.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Listen
    Money
    Hii, I am 28 years old. I am doing monthly SIP of 30000 in these funds : Mirae Asset Large and Midcap - 4000 Quant flexi cap - 4000 HDFC balanced advantage - 3000 ICICI multi asset - 2000 Parag Parikh flexi cap - 6000 Nippon India Index BSE Sensex - 3000 HDFC Mid Cap - 3000 Quant Small Cap - 5000 I also contribute 1.5 Lakh each year to PPF. Currently I have no loans. Is there any need to reshuffle my portfolio?
    Ans: Reviewing and Optimizing Your Investment Portfolio
    Assessing Your Current Portfolio
    At 28, you're proactively investing in a diversified portfolio through monthly SIPs and annual contributions to PPF. Your investment strategy reflects a blend of large-cap, mid-cap, flexi-cap, index, and small-cap funds, along with a multi-asset fund, indicating a well-diversified approach.

    Evaluating Fund Performance
    Review the performance of each fund in your portfolio relative to its benchmark index and peer group. Assess factors such as consistency, risk-adjusted returns, and fund manager track record to identify any underperforming funds that may warrant reconsideration.

    Considering Fund Overlaps
    Evaluate the overlap in holdings across your funds to avoid concentration risk and redundancy. Ensure adequate diversification across sectors, market caps, and investment styles to minimize portfolio overlap and optimize risk-return potential.

    Rebalancing Asset Allocation
    Assess your overall asset allocation and risk tolerance to ensure alignment with your financial goals and investment horizon. Consider rebalancing your portfolio periodically to maintain the desired asset allocation and mitigate portfolio drift.

    Streamlining Fund Selection
    Consider consolidating your portfolio by reducing the number of funds to streamline management and enhance efficiency. Focus on high-quality funds with strong track records, consistent performance, and alignment with your investment objectives.

    Addressing Tax Efficiency
    Evaluate the tax implications of your investment portfolio, including capital gains taxes on equity funds and tax benefits of PPF contributions. Explore tax-efficient investment options such as ELSS funds for equity exposure within the Section 80C limit.

    Seeking Professional Advice
    Consult with a Certified Financial Planner (CFP) to conduct a comprehensive portfolio review and optimization. A CFP can provide personalized recommendations tailored to your financial goals, risk profile, and market outlook, helping you make informed investment decisions.

    Conclusion
    While your current investment portfolio demonstrates a diversified and disciplined approach, periodic review and optimization are essential to ensure alignment with your financial objectives and market dynamics. By evaluating fund performance, rebalancing asset allocation, and seeking professional guidance, you can optimize your portfolio for long-term wealth creation and financial success.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 04, 2024Hindi
    Listen
    Money
    I have taken home loan of 42L in the year 2017 (EMI 33000/Month) for 25Years (300 Months). Due to the continuous increase in the Interest rate, the remaining tenure is keep on increasing and maintaining in 300+ months even after paying the EMI for more than 7 years and Home Loan Principal only 4.5 Lakh is reduced. I am a private company employee of 35 years earning nearly 1Lakh per month and able to save around 15,000 rupees monthly. And with the 15000 monthly savings, i started the following investment/plans from this month 1. I am investing 5000 for Suganya Samriddhi Scheme for my daughter (5years Old). 2. I am contributing 5000 to VPF (My age 35). My existing EPF balance is 5.5Lakh and monthly PF is 4900 deducted. 3. I am making prepayment of 5000 to Home loan principal in addition to monthly EMI. Also i have a Fixed Deposit of 5Lakhs maturing in this year end. I am looking for a expert advise whether the above investment plan is good enough to get benefit in the longer run or any other better safe investment option is available. Please note my year on year annual increment is very less approximately 5000 only.
    Ans: Optimizing Your Financial Strategy for Long-Term Benefits
    Understanding Your Current Financial Situation
    As a 35-year-old private company employee, you're navigating the challenges of a home loan and striving to secure your family's financial future. Despite constraints like rising interest rates and limited annual increments, your prudent savings habits and investment efforts reflect a commitment to financial stability.

    Evaluating Your Investment Portfolio
    Your current investment strategy, including contributions to the Sukanya Samriddhi Scheme for your daughter, VPF for retirement, and prepayments towards your home loan, demonstrates a balanced approach to wealth accumulation and debt reduction. However, let's assess if there are opportunities for optimization.

    Analyzing the Sukanya Samriddhi Scheme
    Investing in the Sukanya Samriddhi Scheme for your daughter's future education and marriage expenses is a commendable decision. The scheme offers tax benefits and competitive interest rates, providing a secure investment avenue for her long-term financial needs.

    Assessing VPF Contributions for Retirement
    Contributing to the Voluntary Provident Fund (VPF) alongside your EPF is a wise move to bolster your retirement savings. Given your limited annual increments, VPF offers a disciplined way to accumulate a substantial corpus for your retirement years, leveraging the power of compounding.

    Reviewing Home Loan Prepayments
    Making additional prepayments towards your home loan principal accelerates debt reduction and can lead to substantial interest savings over the loan tenure. However, given the low interest rates on home loans compared to potential investment returns, it's essential to strike a balance between debt repayment and wealth creation.

    Leveraging Fixed Deposit Maturity
    Upon maturity of your Fixed Deposit of 5 lakhs, consider reinvesting the proceeds strategically. Evaluate investment options that offer a balance of safety, liquidity, and growth potential to optimize returns and diversify your portfolio.

    Exploring Investment Opportunities
    Given your risk appetite and financial goals, explore avenues such as mutual funds, systematic investment plans (SIPs), or diversified equity portfolios for long-term wealth creation. Consult with a Certified Financial Planner (CFP) to devise a customized investment strategy aligned with your objectives and risk tolerance.

    Conclusion
    Your proactive approach to savings and investments demonstrates a sound financial mindset. By optimizing your investment portfolio, exploring growth-oriented opportunities, and seeking professional guidance, you can enhance your financial well-being and secure a brighter future for yourself and your family.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 16, 2024Hindi
    Listen
    Money
    I am 27 years old and recently married and have around 40lakhs savings please let me know very effective ways to invest them with relatively less risk and good yields for myself,my future kids and aging parents.
    Ans: Strategizing Your Investment Approach for Multiple Goals
    Understanding Your Financial Landscape
    At 27, with 40 lakhs in savings and new familial responsibilities, it's crucial to adopt a prudent investment strategy that balances risk, returns, and long-term financial goals.

    Step 1: Emergency Fund
    Allocate a portion of your savings towards building an emergency fund equivalent to 6-12 months of living expenses. This fund acts as a safety net for unexpected expenses or income disruptions.

    Step 2: Goal-Based Investing
    Identify and prioritize your financial goals, including retirement, children's education, and supporting aging parents. Allocate your savings accordingly, considering the time horizon and risk tolerance for each goal.

    Step 3: Diversified Portfolio
    Construct a diversified investment portfolio comprising a mix of asset classes such as equities, debt, and alternative investments. Diversification helps mitigate risk and enhance long-term returns.

    Step 4: Retirement Planning
    Start investing in retirement-focused instruments such as Employee Provident Fund (EPF), Public Provident Fund (PPF), and Voluntary Provident Fund (VPF) to build a robust retirement corpus. Consider equity-oriented mutual funds for long-term growth potential.

    Step 5: Children's Education
    Open a dedicated investment account for your children's education and invest in equity-oriented mutual funds or education-specific investment options like Sukanya Samriddhi Yojana (SSY) or Children's Mutual Funds.

    Step 6: Supporting Aging Parents
    Ensure adequate provisions for your aging parents' financial well-being by investing in low-risk, income-generating assets such as fixed deposits, senior citizen savings scheme, or debt mutual funds.

    Step 7: Regular Review and Adjustment
    Periodically review your investment portfolio to track progress towards your goals and make necessary adjustments based on changing life circumstances, market conditions, and financial goals.

    Step 8: Seeking Professional Guidance
    Consider consulting with a Certified Financial Planner (CFP) to create a comprehensive financial plan tailored to your specific needs and goals. A CFP can provide personalized advice, recommend suitable investment options, and help you navigate complex financial decisions.

    Conclusion
    By adopting a holistic approach to investment planning, you can effectively deploy your 40 lakhs savings towards achieving multiple financial goals while minimizing risk and maximizing returns. With careful planning, regular review, and professional guidance, you can secure a financially sound future for yourself, your family, and your aging parents.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |2369 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

    Asked by Anonymous - May 17, 2024Hindi
    Listen
    Money
    Hi I have ab EMI of 28k per month, i also have SIP of 16k form last 4 years (started with 10k). Will it be a good decision to use fund valuation amount to settle loan and start SIP for around 45k-50k?
    Ans: Assessing the Decision to Settle Loan with SIP Funds
    Understanding Your Financial Situation
    With an EMI of 28k per month and a SIP of 16k initiated four years ago (originally 10k), you're managing your finances responsibly. Considering using your SIP funds to settle the loan and increase SIP contributions requires careful evaluation.

    Evaluating the Loan Settlement Option
    Using the valuation amount from your SIP funds to settle the loan can offer benefits such as reducing debt burden, eliminating interest payments, and potentially improving cash flow. However, consider the impact on your investment portfolio and long-term financial goals.

    Assessing the SIP Increase Option
    Increasing SIP contributions to 45k-50k per month can accelerate wealth accumulation and help achieve your financial objectives faster. It demonstrates a commitment to disciplined investing and capitalizing on growth opportunities in the market.

    Considering Opportunity Cost
    Evaluate the opportunity cost of using SIP funds to settle the loan versus continuing investments. Compare the potential returns from your SIP portfolio against the interest savings from loan settlement to determine the most financially advantageous option.

    Analyzing Risk and Return
    Assess the risk-return profile of your investment portfolio and the interest rate on your loan. Consider factors such as investment performance, market volatility, and your risk tolerance to make an informed decision that aligns with your financial goals.

    Seeking Professional Advice
    Consulting with a Certified Financial Planner (CFP) can provide valuable insights and personalized recommendations tailored to your financial situation. A CFP can assess the impact of loan settlement on your investment portfolio and help you devise a strategic plan.

    Conclusion
    Deciding whether to settle the loan with SIP funds or increase SIP contributions requires careful consideration of your financial objectives, risk tolerance, and investment horizon. By evaluating the pros and cons of each option and seeking professional guidance, you can make a sound decision that aligns with your long-term financial goals.

    Best Regards,

    K. Ramalingam, MBA, CFP,
    Chief Financial Planner,
    www.holisticinvestment.in

    ...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