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Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 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
Raajp Question by Raajp on Apr 13, 2023Hindi
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Relationship

Hi Anu , This Raaj here this side, I have seen your views on the relationship here on this site . so for that I need your help and your valuable expertise . About myself I am 42 yrs self employed businessman ,I got married in march 2010, it was a arrange marriage . from the day 1 there is a problem and it increases day after day. From the that wedlock I had baby girl . from 2012 situation got worsened matrimonial cases started it continued for next 4-5 yrs . after long battle I got divorced in 2016-17. This divorce cost me a lot , bcoz of that I lost my friends , social stigma, financial lost ( hefty alimony)and lot other problem which are associated with this . Now the main problem comes here , as after my divorce I was not ready to get re marry again but my parents are pressuring mr to get settle again ASAP. After long persuation I said ok …. I started searching my own and parents also started there own . In last 4 yrs I have seen lot of prospects ……..( kissi ko main nahi pasand , kissi ko mera kamm nahi pasand , kissi ko mere parents ke sath rehna nahi pasand …….. kissio ko meri income se problem hai,……………toa kuch mujhe nahi jachi.)there is lot of pressure on me that I should be perfect now after my divorce . after all this I had few good prospects ………….1. she was good but she wasnot happy with my income , she said no to me initially but continued talking and we are still in touch as she moved to Australia in APR 2019.As now we r really very good friends now ,Jab main usme interested tha toa usne na boll diya ………but jab usne dubarra reconsider karke propose kiya toa maine na boll diya. Than in 2020 COVID hits which upsets everybody’s life .360degree . In NOV 2020 I met 1 girl on one of the matrimonial sites ….we shared our details stated talking to each other , she liked me but didn’t responded her positively but continued our talks………in march2021 pata nahi kaise aur kyu …..maine use propose kiya…… maine use milne uske passd gaya ……….we talked …..shared our thoughts ….spend good time ……..but raat ko ghar vapis aa ke maine use NO kar diya . REASON is not known ya kahu toa main darr gaya tha .because of this she also got upst and that makes her depressed. For next 10 days I was so depressed I didn’t had my proper meal ……nothing all. I was in guilt ,that make me depressed for really long . I was only thinking about her only all the time nothing else, On 2nd JULY 21 ko maine pher user message kiya ………. After 2-3 days after my sorry and all that we started talking again. Everything stated good again .now in last week of july 2021 my father got severe heart attack ……and he had a surgery . Now they are pressuring me again that I should get settle soon ……..all my family members and sister and all. Maine Phir usko marriage ke liye tyar kiya aur phir batt ko STOP kar diya . and this tym mujhe gharwalo se aur sab se bahut anbun ho gayi. Ab mujhe samaj aa rahi ki main kya karu . main shaddi to karna chata hoon par kissi pe trust nahi kar pa raha hoon . mere ghar valo ka mujh pe bahut pressure hai . there are some other problem which I would like to disscuss in future . pls help me what should I do , I m feeling helpless . Thanks Raaj

Ans: Dear Raaj,
What is it that you want?
You seem to ready to get into a relationship because your family thinks so, your father had a heart attack and then they pressure you to find a girl to marry.
So, what is it that you want and want to do?
And the possible reason for not striking a chord with the women that you were interacting with. When you have decided what you want, it will show up in your body language, facial gestures and within the conversation. You are possibly still healing from your divorce and are not ready to get into another marriage. So, don't. First, sort your mind out and then think of another relationship.
So kindly, start to think for yourself ignoring what your family tells you. Yes, you need to do that. Family pressure is no reason to get married; of course they mean well and care for you. But, what you want is what matters here.
So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you. Heal from your divorce and think about what you need in another relationship and in your partner. When you ready, then it's time. So, no more helplessness, only strength.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 03, 2023

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I'M 40 years old man, i have had troubled childhood. I faced abuse from my elder brother who later on developed mental health issues whiich broughg lot of stress to the family. I worked very hard to achieve reasonable professional success but my personal life has been very difficult. I got married with lot of difficulty despite being well placed professionally and decent looks. It was an arranged marriage but things went bad after a year. I caught my wife having an affair with her ex but i fogave her for the sake of myndaugher who was just 1 year old then. She keept on having flings with gym instructor and later on her colleagues which i dont have any proof of. She would humilate me in front of my maid driver and other people. But i wanted ti save my marriage for the sake of my daughter who was only 4-5 years old then. Finally she started asking me for divorce after every trivial fights. Fed up i finally agreed and we separated in 2021 November. During that time i came in contact with my school friend. She proposed to me during our school days but due to stress at home and other issues i said no but i always liked her. When we started talking around December 2021 and we realized we still love each other after 20 years. But problem was though i was divorced she was still married and she is from a different religion. She is trying hard to get separated from her husband but her family being very conservative is not allowing her to do so. I'm stuck with her emotionally. Now my ex-wife has started approaching me for reconciliation. Im totally confused now what should i do? Should i wait for my friend knowing that chances are very slim that her family would leave her. Or should i patch up with my exwife for the sake of my daughter. I dont feel any emotional connection with my exwife now as she was never nice to me. But my parents are telling me to go for patch up. They are nkt aware about my school friend and i doubt they would approve her due to religious beliefs. Pls guide me I'm totally confused. Thanks A confused Homo Sapiens
Ans: Dear Pratik,
At this point in time, choose neither. You need space to clear your head first.
Too many emotional situations to jump into one more...Give yourself time to figure out what is that you want out of life?
Do you want to get into another commitment in a short gap? It could be an attraction on a rebound as well; so take time to figure these things out well before you decide to patch up or wait for your friend.
You deserve this time off, to make sure that you not only heal from the marriage but also put things in perspective.
So no need to bring on a new confusion for the time being till you get strong enough in the mind to decide the next course of your life. Making a choice right now means you will be bringing in more confusions of either of the two women into your life as well. So, PAUSE and take this time...

Best wishes!

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Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

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Relationship
Hello Anu Ji, Firstly thank you very much for your valuable time and feedback on problem. Thanks for understanding me & my POV in this small conversation. After so long Its you who had read between the lines .I am really very thankful of you , that you have given me such a lovely advice. But I am bit confused. After reading mail I was really get very positive and optimistic about my decision. I read ur mail 4 times , I got a positive ray of hope with lot of confusion comes with it . You said “You are possibly still healing from your divorce and are not ready to get into another marriage.” Yes this is the question. Its almost 7 years why I can’t be able to overcome from that dilemma and trauma which I got in past . You said “First, sort your mind out and then think of another relationship” , yes another question what should I sort it down and how ? You said “ what is it that you want and want to do?” this the problem which is not letting me move on.bcoz of this I am so much confused I can’t express you in word . I am not able to understand my wants ……………there is a Cat- Rat Race from Head to heart………from Heart to head all day. In simple words its (Kashmakash). You know ……….. I also want to get married, I want a companion …partner with whom I want to share my emotions, joy’s,……..happiness….etc., I want kids , I want to go for long drives , outings , dance with my wife , and lot of other small big things in my mind, which I was not able to do in past marriage. I want someone, to whom I can share my feeling when I am low. I am strong enough to take care of myself but u know … You need someone who say’s “Don’t worry Allz be well, I am with you “. But for this I have to Trust the other person that’s the thing I Am unable to do it . I don’t know why, I don’t Trust anybody now? why I am creating a vicious circle about trust .? You said one thing very beautiful “So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you” these words really touched my heart .thanks for the encouragement and the words of strength. I really need it very badly. These words give me a new direction to think and bit of strength to my POV. Please forgive me about my English language ……. I am not very good at it and may be you find few thing repetitive and irritating. Pls ignore it . Hoping that I am able convey my POV and feelings of my problem so that u can easily understand…….and on that basis you give Your valuable feedback and advice. Thanks R@@J
Ans: Dear Raaj,
Thank you for your kind words.
The follow-up questions that you have asked me requires a deep-dive introspection from you. You have very clearly and intelligently come up with these questions which is difficult to do when in a problem. But you have managed to do that. So congratulations on taking the first step!

To clarify, always clear any remnants from the previous relationship before you begin a new one. Also, any relationship including marriage is something never to be entered into to please anyone. Do this only when you are ready and there is no need to give into any pressure. Your longing for a companion is sweet but as I have mentioned, ask all these questions to yourself and reflect.
Also, ask:
- am I completely ready to commit to a marriage?
- am I carrying any fear/anger from the previous marriage?
- how will I keep my relationship with my daughter after my marriage?

And yes, the day you learn to love yourself again, you will find it easier to trust again and that's why I said: Heal first...and then think of a companion. Without that trust, you will be playing a game again and it will not end well.
Take some time off to rediscover yourself and heal. Heal by loving yourself and things will flow without you having to chase one lady after the other. Love must be effortless and not chased or forced. Take a break; fear nothing...All will be well...

All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

Asked by Anonymous - Apr 29, 2024
Relationship
Hello Dr.Ashish, I'm married, 45 years self employed man. There was batch mate in my college, whom i was in love with. Due to some misunderstanding, we stopped talking for some time and I moved to other city for my job, but kept meeting her during my visits. I told everything i felt about her but she never accepted or refused. In general she used to tell everyone that she will never get married and she is aversive to physical relationship. Later on every 5 years or so we used to get in touch with each other and continue talking to each other and reach to a level where my feelings were at peak and then she will refuse or fight to move away.This was till I got married. After, 6 years of my marriage once we met in a shopping mall, in some other country, and exchanged pleasantries as well as contact; then started talking again. My marriage was/is a hell, so i had more to share with her, and she showed genuine interest in listening and advising. During this conversation our future also came in to discussion, due to extensive flashback discussion about our old times. She remembered every small big things except any event, where she has shown interest in our future together at personal level, but discussion of professional level association was intact. Eventually, one day she confirmed on we to be together, but not to over celebrate it and let it grow and work on execution ...means divorce part. There was an extreme sad event in my family, besides my daughter of 5 years, hence i had to postpone my divorce for sometime so that, family doesn't get two shocks at same time. In the mean time, we continued talking with each other and after 5-6 months, her statements started changing about future, and eventually she said there is no future and i cant talk to you since, you always bring romance in our conversation and I'm aversive to sex/love/romance type discussions. Then we again drifted apart for an year; and, this coming close to move away, happened 3 times in last two years. Recently we started again speaking and got in to business assignment together, and i decided not to bring personal discussions in between and maintained for a while, but then she was more caring and inquisitive about my personal things; and, when I slightly changed the tone then she becomes distant. I love her like anything ...have been in this relationship selflessly and never misbehaved except one time, i.e. college time our first fight. She takes her liberty to get angry at me, if the conversation is little disturbing for her. She is very strong in controlling her emotions and blocking herself from calling anyone she is angry with. She always more male friends with whom she will be very close and then starts talking negative about closest one. As per her she has not been in any romantic relationship ever, but when I look back we had our share of emotional moments though not physical ones. Every time patch up is done by me. During discussions it will come out that she was thinking of me but knew that i will come around. So far emothional part was always brought from my side and her side was little in more out types. I had this wish to be with her and take care of her since she is still unmarried and has health issues , ailing parents and one divorced brother. She is an enterprenure and I'm helping her with her business and she happily takes support from as its her right over me. I would like to take your opinion over the situation.
Ans: Thank you for sharing your deeply personal and intricate story. It's clear you’ve been carrying a significant emotional burden for many years. Your feelings of love, loyalty, and care for this woman are evident, but so too is the confusion and pain that this dynamic has caused. Let’s unravel this situation and explore possible paths forward.

Key Dynamics in Your Relationship
Patterns of Push and Pull:
This relationship seems to follow a cycle—closeness, emotional highs, and eventual withdrawal on her part. This push-and-pull dynamic can leave you feeling emotionally drained, constantly seeking validation and clarity from her while she retains control over the connection.

Her Stance on Romance:
She has repeatedly expressed aversion to romance, physical intimacy, or traditional ideas of love. Her actions may sometimes seem contradictory, but they align with her overall stance of maintaining control and boundaries that she’s comfortable with, even if it leaves you confused or hurt.

Your Role in the Dynamic:
You’ve shown immense patience, persistence, and care. However, it appears that you are consistently the one initiating reconnection, expressing emotions, and hoping for a future together. This imbalance may leave you feeling unfulfilled and questioning your self-worth.

Her Emotional Independence:
While she allows you into her professional life and accepts your support, she seems emotionally guarded, preferring to dictate the terms of the relationship. This indicates her desire to maintain independence, possibly due to personal values or past experiences.

Impact on You:
Being caught in this cycle for years has likely affected your emotional health, relationships, and sense of clarity. While you care deeply for her, the relationship seems to take more from you than it gives in return.

Questions to Reflect On
What Do You Truly Want?
Beyond your love for her, consider what you genuinely want and need in a relationship. Is it emotional reciprocity, stability, or clarity? Does this relationship align with those needs?

How Does This Dynamic Affect You?
Reflect on how the constant back-and-forth impacts your mental and emotional well-being. Are you truly happy, or are you clinging to the idea of what this relationship could be, rather than what it is?

What Role Do You Play in This Cycle?
Consider if your persistence is enabling this pattern. While your love and patience are admirable, they may also allow the dynamic to continue without resolution.

Recommendations
Establish Emotional Boundaries:
Protect your emotional energy by defining clear boundaries. For example, limit how much you give—emotionally or professionally—without receiving anything meaningful in return.

Communicate Differently:
The next time you speak with her, try expressing your feelings calmly and clearly, focusing on your needs. For example:

“I care deeply for you, but I feel our dynamic leaves me confused and emotionally drained. I need clarity about our relationship and whether we can truly have a future together.”
Detach with Care:
If her actions consistently indicate she cannot meet your emotional needs, it may be time to step back. Detachment doesn’t mean you stop caring; it means prioritizing your well-being and allowing space for clarity.

Focus on Yourself:
Your marriage, business, and emotional health are significant aspects of your life that need your attention. Consider working on your own happiness and independence outside this relationship. Seek counseling if needed to process the complexities of your feelings.

Recognize Patterns:
Notice the recurring themes in her behavior—shifting her stance, maintaining emotional distance, and expecting you to initiate reconciliation. Understanding these patterns can help you decide how much more you’re willing to invest emotionally.

A Gentle Reminder
Love and care are valuable gifts, but they must be balanced with mutual respect, clarity, and emotional safety. If a relationship consistently leaves you feeling unfulfilled or uncertain, it’s worth considering whether it’s meeting your deeper needs.

You deserve a relationship where your love and efforts are reciprocated. Take time to reflect and prioritize your well-being. If you need more guidance or a sounding board, I am here to support you.

Warm regards,
Ashish Sehgal

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Anu

Anu Krishna  |1664 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 22, 2024

Asked by Anonymous - Nov 16, 2024Hindi
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Relationship
Hi , I am a professor mech engineer , after death of my wife and due to having 5 year girl baby I planned for 2 nd marriage as I live alone away from home town because my of job with my little baby . I accepted a widow having 2 child ,she was working in a govt job 250 km away , after ensuring and agreeing her possibility of transfer and job vacancy @govt office near my house and ensuring she agreed that she will come to live with me along with her 2 kids and my little baby as her trasfer was due in comming few months . We lived apart during her job at 250 km away.,while meeting on weekly offs 6 /7 time in 6 months , then she take 360 degree u turn and said she will not get job transfer to my place and get her trasfer in other dept. in same previous office. And started telling many reasons like she will loose her children's inheritance in her in-laws property ,she will loose promotion , kids Don't want trasfer , and said we will live apart forever . This was contradictory to earlier agreed things .and my my purpose to live in family with my baby not fulfilled , so after long ruckus ,I mutually got divorce from her , Then After divorce I decided to marry non working women having no child and don't expect child as I am @48 year old and tired of living alone and managing job ,girl , house chores . I married to a divorcee girl from Pune ,she was BA first year college drop out girl of 44 yr age after 6 months of long dating on week ends . During 6 months I tried to know her indepth but was don't used to talk much as I was trying to know her true nature, we visited many places ,movies . She seemed perfect as per my requirement of girl wanting no child , and she is house wife . after marriage she behave well for 1 st week ,then she started trouble to hate my baby ( became kaikai )on pety things , she want my baby to house chores at the cost of her important year of 10th std study . She don't liked me taking tution of girl , she didn't like if I help my girl any way . She don't like if I spent some money on my girl . She used to fight all night and don't let me sleep . Now she stated demanding that she want baby , though I was against and b4 marriage agreed to not have any more child due to old age ,cost ,and no personal time for self , then I agreed to have child but b4 that I got her and my fertility tested ,she had weak eggs and syst on her reproductive organs and doc warned to not go for pregnancy due to risk and probability of unhealthy baby birth , but she kept repeating That she want child we consulted 4 Drs. She used to fight and go to her mother's home for 2/4 months after living with me for 2/3 days only . Now she wants divorce , and asks me to keep my girl in hostel if I want her in my life . This Ramayan has left me baffled , What should I do ??? .....
Ans: Dear Anonymous,
The reason to marry for you mainly has been companionship, a mother for your daughter...
And marriage is not a transaction BUT a meeting of minds...when there is no compatibility, there is no space for agreeing on the same things or wanting to make things work which is possibly what has happened with your 2nd and 3rd marriage.
If you want this marriage to work, there has to be an equal commitment by both of you, so, start by emotionally bonding first. Slowly build on this by making goals for the marriage and the future...your only goal can't be mother for your child...not all women are going to readily accept this and some may even falter along the way. Allow the lady and your daughter to bond together for sometime so they develop a unique relationship...
Understand that transactional relationships do not last; so, invest enough time in building trust in that companionship for it to become something meaningful

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Kanchan

Kanchan Rai  |623 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 14, 2025Hindi
Relationship
Hi Mam, I met my ex wife in the college where we both were pursuing out studies. We exchanged contacts and started speaking over phone like couple does. When we fall in live we ourselves don't know as no one propose to each other. As i finished my studies, she quit studies in the middle and decided to do hotel management course. Amd it so happened, next day her interview was lined up but unfortunately due to unavoidable circumstances she has to go to her native place. As Covid struck she git stuck in her native place and couldn't come back. And when everything became normal i insisted her to come but her mom was not allowing. After a lot of struggle her mom allowed her and she came back. In this course of time both families was aware about our relationship. My mom was against her because of 2 reasons, 1) Intercaste 2) She was from very poor and low caste background. Them too i continued the relationship and i convinced to my sister and she convinced to mom. And when she was in native place, she said once that her voice has gone has gone she need 50k for operation. I trying madly to arrange funds and one of my friend told me that she is playing with you be careful but as i was blind in love i necer listened him. When she came to Mumbai i arranged a pg accommodation for her for some time and i use to take her out for dinner as there use to be regular fights with owner. Somehow i convinced my mom and shifted her to my place. There use to be fights but we use to care for each other also at the same time. She started to do events and slowly and steadily started to work in media. She was well aware that i dont like girls working media then too i have her permission to work in media temporary. I went against everyone, my family and friend and after 7yrs of relationship we decided to get marry and it was working fine. After marriage fight increased and she used to taunt though i did so much for her. Once she was not well and as she used to taunt me i never took care of her. One day my dear friend told me to check her phone, she might be seeing someone. And when i checked she was having an affair with Assistant director, i saw msgs photos. And when i confronted she said "He is just a friend and we talk normally" I saw they both on one bed and when i forward their pics to her mom she said "There might be some problem in you only." And when i asked to my ex wife about all this she said "A person goes where he or she gets love and care" All this happened within 6-8 months of our marriage. When i came to know about all this i tod her to leave my house and she was asking for divorce because of my mon's behavior also. I think i should have not tell her to leave as when she left i don't know but i love her very much. I even told her to give me one chance as i gave her but she didn't stopped talking with her bf. And she didn't gave me a chance and went away. We have been legally divorced but still i love her and ready to accept her. But she doesn't want to come back. I am trying to forget her but couldn't. Luckily we don't have kids. Sometimes my heart says let her go she cheated you. Sometimes it says i love now also. I am struggling to forgot her as i am in contact now also. Please suggest. Thank you
Ans: it's important to acknowledge and honor the love you felt and still feel. Love doesn’t simply disappear overnight, and it’s natural to have lingering emotions, especially when you’ve shared so much history and effort to keep the relationship going. However, it’s also crucial to recognize the harm and hurt caused by her actions and the unresolved issues that led to the breakdown of your marriage.

The fact that she chose not to return and continues to maintain contact with the person she was involved with suggests that she has moved on emotionally, even if you haven’t. Holding onto hope for reconciliation can keep you trapped in a cycle of pain and longing, which makes it harder to heal and move forward.

Your heart and mind are sending you mixed signals because you’re torn between the love you still feel and the reality of the betrayal. This is a common struggle after a significant loss, but it’s important to focus on what’s best for your emotional well-being. Continuing to be in contact with her may be preventing you from healing fully. It might be beneficial to create some distance, at least temporarily, to allow yourself the space to process your feelings and begin the healing process.

Focusing on yourself and your own growth is essential. Consider engaging in activities that bring you joy, spending time with supportive friends and family, and possibly seeking professional counseling to help you work through your emotions and develop strategies to move forward.

Letting go is difficult, especially when you still have love for someone, but it’s a crucial step towards healing. Accepting that the relationship has ended and focusing on your future can help you find peace and eventually open the door to new possibilities for love and happiness.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |10071 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Money
Dear Sir, My home loan is 24.5 LAC. And it's started from last year April 2024, my emi is 30,600 per month for 10 years, if i paid 10 LAC in Jan 2026 it will be beneficial for me or wait for sometime to pay pre closure amount
Ans: Your question is very timely and thoughtful.

You have already completed over one year of EMI payments.

You are also planning a Rs. 10 lakh prepayment in Jan 2026.

This shows strong discipline and intention to reduce debt early.

That is highly appreciated.

Let’s evaluate the benefit from all angles before making the decision.

Let’s assess your EMI schedule, tax benefits, interest savings, and liquidity needs.

We will also look at emotional peace, risk readiness, and overall financial health.

» EMI Tenure and Loan Progress

– Your loan began in April 2024. EMI is Rs. 30,600 for 10 years.

– By Jan 2026, you would have paid 21 EMIs. That is nearly 2 years of repayment.

– You would still have around 99 EMIs pending after Jan 2026.

– Most interest is paid in the first few years. That’s how home loan schedules work.

– So prepayment at this stage can save you substantial interest.

– But, the benefit must be compared with your other financial needs.

– This is not only about saving interest. It is about holistic financial planning.

» Interest Cost Evaluation and Savings Opportunity

– Your home loan interest rate is not mentioned. But let us assume a normal range.

– Most floating-rate loans now charge 8.5% to 9.5% annually.

– Prepaying Rs. 10 lakhs will reduce the outstanding principal sharply.

– As a result, the total interest over the loan period will reduce.

– You may save many lakhs over the long term by doing this early prepayment.

– You will also reduce your EMI period or future EMI amount.

– That helps you become debt-free faster.

– But, timing matters. January 2026 is still over 5 months away.

– You must consider where that Rs. 10 lakhs is now kept.

– Is it earning anything? If kept idle in savings, it gives low returns.

– In that case, prepayment gives better value.

– But if it is growing in mutual funds or long-term instruments, returns may be higher.

– Compare this interest cost versus what you earn from that Rs. 10 lakh.

– You must also think about safety, peace of mind, and future stability.

» Tax Benefits on Home Loan and Prepayment Impact

– Under Sec 24(b), you get deduction of up to Rs. 2 lakhs on home loan interest.

– This reduces your taxable income. Helps especially if you are in the 20% or 30% slab.

– Also, under Sec 80C, you get Rs. 1.5 lakh deduction for principal.

– But that Rs. 1.5 lakh 80C is usually covered by EPF, PPF, insurance, ELSS, etc.

– If you prepay Rs. 10 lakh, your interest in future years may fall.

– Then, the Rs. 2 lakh interest deduction under Sec 24(b) may not be fully used.

– But remember, you are spending Rs. 10 lakhs to save Rs. 2-3 lakhs of tax.

– That alone should not decide the choice.

– Interest saved is usually more than tax benefit lost in the long run.

– Prepayment still makes sense. But only if you are not compromising other goals.

– Always assess tax benefit as a secondary aspect, not the main reason.

» Your Liquidity and Emergency Readiness

– The biggest question is: Will you have enough money left after prepayment?

– Will you still have emergency funds of 6 to 12 months of expenses?

– Will you have cash for job loss, health issues, or family needs?

– Rs. 10 lakh is a big amount. Once paid, you cannot get it back easily.

– Banks do not refund prepayments. So you must be ready for cash crunch.

– If you have other liquid savings of at least Rs. 3 to 5 lakhs, then it is safe.

– But if this Rs. 10 lakh is your full backup, wait before prepaying.

– You must not become asset-rich but cash-poor.

– Also, do not disturb investments set for your long-term goals.

– Check how your mutual funds, PF, PPF, child goals, and retirement are aligned.

– Your financial safety net should never be at risk due to a home loan prepayment.

» Emotional Peace and Debt Reduction Mindset

– Paying off loans early gives peace of mind.

– Mentally, it feels lighter to reduce your EMI burden.

– For many families, freedom from loans matters more than returns from investment.

– If this Rs. 10 lakh is not required for your next 5 years, then prepaying is peaceful.

– But if the same money is helping you sleep better by keeping it in hand, wait.

– Your comfort and security are more important than any math.

– Financial planning is not only numbers. It is also emotional readiness.

– A good Certified Financial Planner balances both head and heart.

– If you feel better seeing lesser EMIs or faster closure, then go ahead with prepayment.

– If you fear losing liquidity or missing opportunities, then wait.

– In either case, the aim is to stay financially strong, not just interest-efficient.

» Other Choices to Use That Rs. 10 Lakh

– If you are not fully prepared for long-term goals, this Rs. 10 lakh may help.

– Retirement corpus, child education, spouse goals — all need investment.

– If those are underfunded, invest this Rs. 10 lakh in mutual funds.

– But not in index funds or direct funds.

– Index funds may look cheap, but they follow the market blindly.

– They underperform in volatile or sideways markets.

– Actively managed mutual funds by experienced managers adapt better.

– Direct funds also seem cheaper on surface.

– But there is no support, guidance, or review.

– Regular plans through a qualified MFD with CFP guidance add long-term value.

– The extra 0.5% cost gives better selection, periodic review, and mistake-avoidance.

– That brings better return than direct, unmanaged investing.

– So if you delay prepayment, don’t keep that Rs. 10 lakh idle.

– Put it to work through a long-term, diversified, tax-aware mutual fund portfolio.

– Match it to your goals, age, and risk appetite.

– Use only debt funds for less than 3 years. Use equity for more than 5 years.

– Also follow the updated capital gains tax rules now in force.

– These will apply when you exit mutual funds later.

– If this Rs. 10 lakh is not required in near future, investing may grow your wealth.

– If this feels unsafe, then home loan prepayment is still a good call.

» Ideal Approach Based on Situation

– If you have no major upcoming expense, then early prepayment is useful.

– If your emergency fund is untouched, then this move is secure.

– If your long-term goals are already funded, prepayment clears debt faster.

– If interest rate is above 9%, prepayment becomes even more beneficial.

– If job is stable and no income interruption is foreseen, go ahead.

– But if any of these are weak or uncertain, do not hurry.

– Wait for 6-12 months. Observe how rates, income, and expenses move.

– Meanwhile, invest that Rs. 10 lakh in a short-term fund with liquidity.

– Let that money earn better than savings account.

– If situation remains strong by Jan 2026, you may prepay with full confidence.

– Else, you can decide again at that point based on comfort and readiness.

– Either way, you are still progressing.

– Both options — prepayment or investing — are productive, if handled with thought.

» Finally

– You are thinking in the right direction. That’s the best start already.

– You are not ignoring the EMI burden. You want to plan ahead.

– That is very encouraging.

– Do not feel forced to prepay or delay.

– The right answer depends on your comfort, liquidity, and goals.

– Early prepayment is good if your financial base is ready.

– But there is no harm in waiting a few more months and reassessing.

– Peace and clarity are more important than urgency.

– You can also take part prepayment route. Pay Rs. 5 lakh in Jan 2026.

– Keep another Rs. 5 lakh for emergency or mutual fund.

– That brings the best of both.

– Stay debt-free, but also stay liquid and goal-focused.

– A Certified Financial Planner can help you model both paths and take balanced action.

– The right move is one that fits your full financial picture — not just the EMI part.

– Keep going strong.

– You are already ahead of many by asking this question today.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam Kalirajan  |10071 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
I am 35yrs old and my monthly salary is 75k. I am married and I have family health insurance of 10 lakhs, I have a daughter and a son and we are expecting the third child in the month of December. I have started with SIP of 1k 3 months back. I am taking mortgage loan of 30 lakhs on the house for 13 % interest from IIFL kindly suggest me to utilise the loan amount properly in various ways possible to invest. I am planning to utilise for the coaching centre development and 10 lakhs is taken for my brothers kidney transplant treatment expenditure.
Ans: – You are managing family, career, and investments together.
– Starting SIP early is a very positive step.
– Taking responsibility for your brother’s treatment shows great strength.
– Planning coaching centre development is a wise idea.
– Having family health cover is also a good base already.

» Analysing the Loan and Its High Interest Rate

– Rs. 30 lakhs loan at 13% interest is quite costly.
– This means high EMI and high total interest outgo.
– Every rupee must be used carefully to avoid wastage.
– Unused funds from the loan must not sit idle.
– Interest burden will continue regardless of usage.

» Immediate Medical Emergency for Brother

– Rs. 10 lakhs for kidney transplant is necessary and unavoidable.
– Keep this amount fully liquid and easily accessible.
– Use savings account or short-term ultra-safe debt fund.
– Avoid locking this amount in business or market-linked funds.
– Medical treatment should be done on priority basis.

» Business Development – Coaching Centre Use

– This is an opportunity for future income growth.
– Plan expansion only after checking location demand.
– Avoid spending large amount at once.
– Phase out business investments over 6 to 12 months.
– Start with essentials like rent, furniture, and staff salary.
– Don’t overspend on branding or decoration initially.
– Use part of loan in setting up technology and marketing.
– Focus on breakeven as early as possible.

» Avoid Spending Full Loan Immediately

– You are not forced to use all Rs. 30 lakhs now.
– Keep a part of loan in low-risk parking place.
– Use short-term debt fund or liquid fund with no exit load.
– Withdraw when business or medical needs arise.
– Don’t allow funds to lie in savings account earning low interest.

» Do Not Use Any Amount for Consumption

– Don’t use loan money for personal luxury or lifestyle.
– No electronics, jewellery, or vehicles from this loan.
– You are paying 13% interest, use it only for value creation.
– Avoid giving any part of the loan to others as casual support.

» Managing EMI Alongside Household Budget

– EMI on Rs. 30 lakhs at 13% will be heavy.
– Your Rs. 75k salary will face pressure from EMI, SIP, and family.
– Keep fixed monthly expenses under tight control.
– Review all regular spends and cut non-essentials.
– Prioritise needs over wants for the next 2–3 years.
– Increase SIP only once your EMI is manageable.

» Continue SIP with Discipline

– Though amount is small, your SIP builds wealth habit.
– Don’t stop SIP even if budget becomes tight.
– Increase SIP slowly as income rises.
– Choose actively managed funds, not index funds.
– Index funds don’t protect during market fall.
– Active funds adjust to changes and give better protection.

» Direct Funds Are Not Ideal for You

– Avoid investing in direct mutual funds.
– You get no personalised support or guidance there.
– Wrong decisions can damage long-term wealth.
– Invest via regular plans with an MFD and CFP.
– Get full-time advice, updates, and goal tracking help.

» Emergency Fund is Missing

– You must keep Rs. 1–2 lakhs aside for emergencies.
– This should not come from loan amount.
– Build this over next few months from salary savings.
– Use high-liquidity options like liquid mutual funds or sweep FD.

» Child-Related Future Expenses

– You are expecting third child soon.
– Future expenses like education and health will increase.
– Avoid touching SIP or business funds for school fees.
– Plan separate SIPs for kids’ education goal later.
– Maintain health insurance with maternity cover wherever possible.

» Keep Personal and Business Accounts Separate

– Don’t mix business and personal funds.
– Create a separate bank account for coaching centre.
– Record all income and expense in simple format.
– Use business income to slowly repay loan too.

» Loan Repayment Should Be a Priority

– Try to repay part of loan early if possible.
– Business profit can be used to prepay some part.
– Even Rs. 2–3 lakhs paid early will reduce interest burden.
– Don’t wait for full term of loan.
– Avoid taking another loan till this one is cleared.

» Don’t Invest Remaining Loan in Risky Options

– Don’t try to grow loan money via equity investments.
– You are paying 13% interest.
– Most equity returns are not guaranteed and are market linked.
– If returns go down, you still pay full interest.
– Use loan only for fixed needs like business or treatment.

» Avoid Insurance-Cum-Investment Products

– Don’t use loan money for buying ULIPs or endowment plans.
– They give poor returns and lock your money.
– They mix insurance with investment, which is harmful.
– If you already hold such plans, review and consider surrender.
– Use that money in good mutual funds for better results.

» Long-Term Financial Strategy After Loan Use

– Once business is running, start surplus-based SIPs.
– Create specific SIPs for child education and retirement.
– Review insurance needs again after third child is born.
– Don’t over-rely on health cover from employer.
– Take term insurance separately for family safety.

» Monitoring and Support

– Review all goals every 6 months.
– Track loan balance, business income, SIP growth.
– A CFP can support you across all financial areas.
– Work with MFD for implementation and fund advice.

» Finally

– You are taking bold and smart steps under pressure.
– Rs. 10 lakhs for brother’s health is unavoidable.
– Use it only for that and keep it liquid.
– Use balance money gradually for coaching centre.
– Don’t spend full Rs. 30 lakhs in one go.
– Avoid luxury or emotional spending with loan money.
– Keep EMI low by avoiding misuse of loan.
– Continue SIP without fail.
– Avoid index funds and direct funds.
– Use only actively managed mutual funds through MFD.
– Repay loan as early as possible.
– Start new SIPs once income improves.
– Maintain strong financial habits and discipline.
– Your future will surely improve with right planning.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam Kalirajan  |10071 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Money
Hi, I and my partner are earning around 4.7L post tax monthly. We are 38 years old and have a 4 yr old kid. We plan to retire around 55 yrs and have current monthly expenses around 1-1.2L. We have current combined assets as below: 50L in mutual funds, 45L in PPF, 28L in PF, 23L in FD(emergency fund) and 50L worth property generating 15K monthly rent. We currently also have homeloan of 40L. How much we should acquire before retirement and how can we plan to achieve it? Can the portfolio be diversified further?
Ans: – You have built solid assets already. That shows strong commitment.
– Both of you save well and invest with structure.
– At age 38, with 17 years till retirement, your timing is perfect.
– Clear goals, solid income, and strong savings are a powerful combination.

» Snapshot of Your Current Financial Position

– Your monthly post-tax income is Rs 4.7 lakh.
– You spend only Rs 1.2 lakh. That means Rs 3.5 lakh is available monthly.
– That gives over 70% surplus. This is excellent.
– You already have Rs 50 lakh in mutual funds.
– PPF and PF combined give Rs 73 lakh in fixed-return debt instruments.
– Rs 23 lakh sits in fixed deposits as emergency funds.
– You have a Rs 50 lakh property that gives Rs 15,000 rent monthly.
– You also have an outstanding home loan of Rs 40 lakh.

» Income to Expense Ratio – Very Favourable

– Rs 4.7 lakh income and only Rs 1.2 lakh expenses means huge savings potential.
– Even with loan EMI, you can easily save Rs 2.5–3 lakh monthly.
– This level of saving makes your retirement goal very realistic.
– Increasing your monthly SIPs now will help later withdrawals to stay lower.

» Evaluating the Asset Allocation

– Your mutual fund exposure of Rs 50 lakh is solid for age 38.
– PPF and PF give safe long-term returns but have liquidity limits.
– FD corpus as emergency fund is rightly placed. Keep it untouched.
– Rental property gives low yield. Capital locked. Not flexible.
– Home loan is still running. Interest cost needs to be tracked.

» Rental Property – Keep Realistic Expectations

– Rs 50 lakh property gives Rs 15,000/month rent. That’s just 3.6% yearly yield.
– This is low when compared with equity fund returns.
– Property is illiquid. Difficult to sell fast if funds needed.
– Also, rental income is taxable. It adds little real value.
– Don’t buy more real estate for investment.
– Use mutual funds for long-term wealth creation.

» Home Loan – Assess Prepayment Option

– You still have Rs 40 lakh loan outstanding.
– Interest rates remain high. Evaluate cost vs return.
– If the EMI is below 20–25% of income, continue.
– If surplus is high, consider part prepayment each year.
– Don’t disturb SIP for loan prepayment. Use bonuses or windfalls.

» Retirement Goal – Corpus Estimation

– You spend Rs 1.2 lakh monthly today.
– Add future inflation at 6–7% yearly.
– By age 55, your monthly need may be Rs 3–4 lakh.
– For a 30-year retirement, you will need over Rs 7–8 crore.
– But this is today’s estimate. Keep reviewing every 2 years.

» Achieving the Retirement Corpus – Path Forward

– Continue investing at least Rs 2–2.5 lakh/month in mutual funds.
– Equity exposure should stay above 70% till age 50.
– Slowly shift 5–10% per year to hybrid or debt after age 50.
– Use goal-based investment buckets. Avoid random investing.
– Don’t wait till 55 and then plan withdrawals. Plan SWP strategy in advance.
– Avoid using PPF or PF as your only debt source. Mix with debt mutual funds.

» Mutual Fund Strategy – Go with Active Management

– Avoid index funds. They give average returns with no downside protection.
– Actively managed equity mutual funds perform better during market cycles.
– They offer tactical changes, better sectoral play, and human expertise.
– Continue investing through MFD guided by a Certified Financial Planner.
– This helps in fund selection, periodic rebalancing, and long-term handholding.

» Why Direct Mutual Funds May Not Work for You

– Direct funds look low-cost but lack expert support.
– Wrong schemes or missed rebalancing can reduce final returns.
– Regular plans via a Certified Financial Planner come with expert advice.
– Guidance matters more than saving 0.5% in expense ratio.
– You are building Rs 8–10 crore wealth. Get it managed well.

» PPF and PF – Use for Debt Stability, Not Growth

– You have Rs 73 lakh in long-term fixed-return schemes.
– These are safe, but returns are capped.
– PPF has a 15-year lock-in. PF is job-linked and taxable on withdrawal above limits.
– Don’t increase exposure further in these instruments.
– Allocate future debt needs through debt mutual funds.

» Emergency Fund – Already Well Placed

– Rs 23 lakh in fixed deposits is more than enough for emergencies.
– This covers 18–20 months of expenses. Very comfortable.
– You may even shift a part to liquid mutual funds for slightly better yield.
– But keep at least 6–8 months in FD for instant access.

» Insurance Check – Life and Health Protection

– Make sure you both have pure term insurance.
– Cover should be 10–12 times your annual income.
– Don’t rely only on employer group insurance.
– Also, keep Rs 10–15 lakh family floater health insurance outside the job.
– Include super top-up of Rs 20–25 lakh. Health costs are rising sharply.

» Planning for Child – Secure Education Fund

– Your child is 4 now. Education goal is 12–15 years away.
– Start a separate SIP in child’s name through minor PAN.
– Keep this goal separate from your retirement.
– This will avoid conflict in fund usage later.
– Choose growth-focused actively managed equity funds.

» Diversification – Is Anything Missing?

– Your current asset mix is decent.
– You have equity, debt, property, and emergency corpus.
– Avoid over-diversifying. It may dilute returns.
– Add international mutual funds if comfortable with currency exposure.
– Else, stay focused on Indian equity for growth.
– Don't add gold or ULIPs or annuity plans. They lack growth or flexibility.

» Taxation – Understand New Mutual Fund Rules

– LTCG on equity above Rs 1.25 lakh taxed at 12.5%.
– STCG on equity taxed at 20%.
– Debt mutual fund gains taxed as per your tax slab.
– Use tax-loss harvesting, staggered redemptions, and switch plans wisely.
– Certified Financial Planner can help plan your exits smartly.

» Mental Preparedness – Discuss Retirement Together

– Align on post-retirement lifestyle.
– Consider if you will downsize home or relocate.
– Decide if part-time work or consulting will be taken up.
– Estimate health care and travel plans.
– These affect corpus needed and withdrawal strategy.

» Finally

– You are already ahead of many people your age.
– Stay consistent with investing and goal clarity.
– Don’t chase fancy instruments or trendy products.
– Stick with mutual funds and professional guidance.
– Increase SIP every year as your income rises.
– Review plan every 12–18 months.
– Avoid locking money in new real estate.
– Don’t buy insurance-cum-investment products.
– Plan now for child education, insurance and tax smart exits.
– You can easily reach and even exceed Rs 10 crore corpus by age 55.
– Stay disciplined. Work with a Certified Financial Planner regularly.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam Kalirajan  |10071 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 23, 2025Hindi
Money
Hi , i am 62 year women.i havd no investment so far. Now i will be receiving some amount from by husband through a sale of property. So how do invest to earn 1 to 2 lakhs per month ? Now i have a savings account .but soon i am planning to become a canadian citizen soon . So how i change my accounts from savings account ? I plan to have my current accounts in india slways ? I will have only this amount that i will receive from my husband around 70 Lakhs rupees for the moment and monthly rent of 31000 rupees . I wanr to self-sufficient and pay my own reavel snd nedizal expenses.please advice.
Ans: You’ve taken a bold and inspiring step by planning to manage your finances independently. At 62, starting afresh requires courage, and that deserves appreciation. With Rs. 70 lakh expected soon and Rs. 31,000 as rental income, you're well-positioned to build a stable monthly income. Let’s structure this carefully.

» Understanding Your Goal

– You aim for a monthly income of Rs. 1–2 lakh.
– You currently have no investments, but Rs. 70 lakh will be available soon.
– Rental income is Rs. 31,000/month.
– You are becoming a Canadian citizen soon, but want to keep Indian accounts active.
– Your expenses include travel and medical needs.
– Your objective is self-reliance, with minimal support from others.

Let’s now explore how you can achieve this with safety, income, and liquidity.

» Clarifying Account Structure as an NRI

– Once you become a Canadian citizen, your resident savings account in India must change.
– You will need to convert it into an NRO (Non-Resident Ordinary) account.
– An NRO account allows you to hold and manage your Indian income, like rent.
– If you want to send Indian income to Canada, you’ll need an NRE (Non-Resident External) account.
– NRE is useful only for funds earned outside India and repatriated here.
– Keep the NRO account to manage income and expenses within India.
– Do not continue using a normal savings account as an NRI. That’s non-compliant.

You can keep the NRO account and continue investing and spending in India.

» Segregating the Rs. 70 Lakh Wisely

To earn Rs. 1–2 lakh/month, you need smart allocation.
We’ll create three buckets:
– Immediate need
– Medium-term
– Long-term

Let’s keep this structured.

» Immediate Need Bucket (Rs. 10 lakh)

– This should be parked in a liquid or ultra-short-term mutual fund.
– This will act as your emergency fund and travel-medical reserve.
– Keep it in your NRO account-linked mutual fund folio.
– Do not leave this in a savings account.
– Liquid mutual funds offer better return than savings account with similar access.

Expect monthly income of Rs. 7,000 to Rs. 8,000 from this part, if needed.
It’s best to let this part remain untouched for emergencies.

» Medium-Term Bucket (Rs. 20 lakh)

– This portion should generate income from the start.
– Invest in conservative hybrid mutual funds.
– These funds combine debt and equity. They are less volatile than pure equity.
– They offer better income than bank FDs.
– You can opt for SWP (Systematic Withdrawal Plan) of around Rs. 15,000 to Rs. 18,000 per month from this portion.
– This bucket can also help you manage medical costs over the next 5–7 years.

Tax on these withdrawals is only on capital gains. That too, only when you sell.

» Long-Term Income Bucket (Rs. 40 lakh)

– This part is for building long-term monthly income.
– Invest in aggressive hybrid mutual funds.
– They hold more equity, but also have some debt for stability.
– Over 3–5 years, they can deliver 9%–11% returns.
– Begin an SWP after 1 year to benefit from long-term capital gain tax.
– You can expect monthly income of Rs. 30,000 to Rs. 40,000 from this portion.
– Do not opt for dividend plans. Choose growth plans with SWP.

This strategy will help in keeping the principal safe and income flowing.

» Income Summary

– Rental income: Rs. 31,000/month
– Liquid/debt bucket: reserve, not for regular income
– Conservative hybrid SWP: Rs. 15,000/month
– Aggressive hybrid SWP: Rs. 35,000/month (after 1 year)

After 1 year, your income will be close to Rs. 81,000/month.
This may go up with better returns over time.
If you wish to reach Rs. 1 lakh/month, you can slightly increase SWP, cautiously.
Your capital will still remain mostly intact for 12–15 years.

» Tax Planning as an NRI

– In India, your mutual fund SWP will attract capital gains tax.
– After 1 year, equity-oriented funds (hybrid funds with >65% equity) attract 12.5% tax on LTCG above Rs. 1.25 lakh.
– STCG is taxed at 20% flat.
– For debt-oriented funds, both STCG and LTCG are taxed as per your income slab.
– As an NRI, TDS of 10%–20% may apply on mutual fund withdrawals.
– You can claim tax refund later if TDS is more than your actual tax.

So, keep your PAN updated, file tax returns in India, and plan SWP timing carefully.

» What to Avoid

– Do not leave money idle in a savings account.
– Avoid traditional insurance policies.
– Avoid annuity plans, as they give low returns and are illiquid.
– Don’t invest in real estate again. Your current rental income is sufficient.
– Avoid direct equity or PMS unless you understand volatility well.
– Don’t put all money in one fund. Diversify across 4–5 good mutual funds.

» Should You Invest in Direct Mutual Funds?

– Direct funds may look cheaper due to low expense ratio.
– But they come with no support or portfolio management.
– As an NRI, tax compliance, redemption timing, and fund choice can get complex.
– It is safer to invest through a Certified Financial Planner via regular plans.
– A qualified MFD with CFP credential will help you with:

Suitable scheme selection

SWP optimisation

Exit load and tax impact planning

Rebalancing every year

NRI compliance guidance

The 1% extra cost is worth the guidance you receive.

» Medical and Travel Expense Planning

– Your travel and medical costs will vary year to year.
– Keep Rs. 10 lakh liquid for these needs.
– Consider a good Indian health insurance policy if staying longer here.
– Once you become a Canadian citizen, get health cover there as per eligibility.
– Don’t depend only on travel insurance.

Also plan foreign trips in off-peak season. You will save more.

» Maintain Income Stability

– Don’t withdraw more than 6% of your corpus every year.
– Review mutual funds annually with your CFP.
– Avoid frequent portfolio changes. Let your investments work quietly.
– Track your monthly expenses and stick to a budget.

Discipline and patience are key. Your plan will succeed with consistent tracking.

» What Happens After 10 Years?

– At age 72, you will still have most of your corpus intact.
– Only partial withdrawals would have happened till then.
– If market returns are favourable, your wealth may grow instead of reducing.
– At that time, you can reassess your needs and decide to:

Continue with SWP

Increase emergency reserves

Gift or create inheritance for someone

Flexibility will be high if you invest right now.

» Finally

– You have a strong starting point: Rs. 70 lakh and rental income.
– You want to stay financially independent. That is admirable.
– You can expect Rs. 80,000 to Rs. 90,000/month income starting soon.
– With careful planning, this can rise to Rs. 1 lakh/month without touching principal.
– Don’t worry about starting late. You’re still in full control.
– Invest through a Certified Financial Planner in regular mutual funds.
– Create a balanced plan with safety, growth, and liquidity.

Your decision to become self-reliant, especially as you enter a new citizenship status, is empowering.
With proper planning, the Rs. 70 lakh can serve you for the next 25+ years with dignity and comfort.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam Kalirajan  |10071 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Money
I want to invest 5 lacs one time in SIP. Kindly suggest to get maximum returns in 5 years.
Ans: Appreciate your clarity in goal and timeframe.
A one-time Rs.5 lakh investment with a 5-year view needs careful planning.
Your aim for maximum returns also deserves the right risk balance.
Let’s explore your ideal options and structure with a 360-degree view.

»Understanding the Nature of One-Time Investment

– One-time lump sum works differently from SIPs.
– SIP is for monthly investing. Lump sum is for immediate deployment.
– So, Rs.5 lakh cannot be invested in SIP.
– But you can use STP – a smart way of deploying lump sum.
– Systematic Transfer Plan (STP) helps reduce risk.
– It spreads lump sum into equity over time.

»Why STP Works Better Than Direct Lump Sum

– Markets are volatile and unpredictable.
– STP helps in rupee cost averaging.
– This avoids risk of investing entire amount at market peak.
– Also prevents regret from short-term market falls.
– STP helps smooth your entry into equity funds.
– It gives time diversification benefit.

»Ideal STP Strategy for Your 5-Year Horizon

– Invest the Rs.5 lakh in a liquid fund first.
– Then set monthly STP to equity mutual fund.
– Spread it across 12 to 18 months ideally.
– It balances safety and growth well.
– After 18 months, full amount is in equity.
– Then allow remaining 3.5 years for growth.
– This aligns short-term caution with long-term vision.

»Why Equity Mutual Funds Are Suitable for 5 Years

– Equity funds beat inflation over 5+ years.
– They offer higher returns than fixed options.
– Volatility exists but can be managed.
– Equity funds reward patience and discipline.
– 5 years allows time for market correction and recovery.
– Equity funds also enjoy tax benefits if held long enough.

»Avoiding Index Funds: Reasons and Rationale

– Index funds lack flexibility.
– They copy the market – both in rise and fall.
– No room for smart decisions during downturn.
– Returns are often average – not above average.
– Actively managed funds outperform when managed well.
– Skilled fund managers adjust to market conditions.
– You get better protection in bad years.
– You get better upside in good years too.

»Actively Managed Mutual Funds: The Better Choice

– Experienced fund managers track sectors and companies.
– They shift allocation based on opportunity.
– They avoid bad stocks and sectors.
– Better fund house research drives better returns.
– They have risk management systems too.
– Actively managed funds work well for 5-year goals.

»Choosing Fund Categories for a 5-Year Goal

– Balanced advantage funds can be core holding.
– They manage equity-debt dynamically.
– Suitable for moderate risk-takers.
– Multicap and flexicap funds are good for full equity exposure.
– They offer broad diversification.
– Midcap exposure can be added in small amounts.
– Keep large cap portion too for stability.
– Don’t take very aggressive bets with full corpus.

»Why Not to Invest in Direct Funds Yourself

– Direct plans need self-analysis and monitoring.
– You may pick wrong fund or wrong timing.
– Most investors lack access to fund insights.
– Direct plan returns look higher on paper only.
– But they lack human guidance.
– Poor decisions can wipe out gains.
– Regular plan via MFD with CFP guidance works better.
– You gain behavioural coaching and timely reviews.
– That helps you stay invested and avoid panic.

»Benefit of Working with a Certified Financial Planner

– A CFP gives personalised plan.
– Suggests right allocation for your risk and goal.
– Helps rebalance yearly for safety.
– Helps in tax optimisation too.
– Avoids impulsive decisions in volatile markets.
– A CFP adds value beyond returns.

»Things You Must Avoid While Investing Lump Sum

Don’t invest entire amount in equity immediately.

Don’t chase highest return fund.

Don’t fall for past performance only.

Don’t pick direct plans without experience.

Don’t ignore exit load or taxation.

Don’t check NAVs daily or weekly.

Don’t stop STP midway out of fear.

Don’t fall for tips or apps-based advice.

»Tax Rules You Must Be Aware of

– Equity funds are taxed on gains only.
– Long Term Capital Gains (LTCG) above Rs.1.25 lakh taxed at 12.5%.
– Short Term Capital Gains (STCG) taxed at 20%.
– For debt funds, all gains taxed per income slab.
– Holding period matters a lot for tax.
– You can use loss harvesting strategy if needed.
– Exit fund only when goal is near.

»How to Monitor and Adjust During These 5 Years

– Review fund performance once in 6 months.
– Check if asset allocation is still right.
– If equity overperforms, shift small part to safer fund.
– If equity underperforms early, continue without panic.
– STP gives peace during early market drops.
– Avoid changing fund every year.
– Stay loyal to a good fund.
– Discuss annually with your CFP.

»What to Do Near the End of 5-Year Term

– Begin moving to liquid fund in last 6 months.
– Avoid holding equity close to withdrawal.
– This protects your gains from last-minute market drop.
– Shift money in parts to reduce timing risk.
– Don’t wait for market high to redeem.
– Protect goal first, returns next.

»What If Your Goal Changes Midway

– Re-assess risk and timeline.
– Inform your CFP and adjust plan.
– Don’t stop SIP or STP without reason.
– Use flexibility but not impulsiveness.
– Partial withdrawal should not disturb original plan.
– Re-plan early if goal gets postponed or advanced.

»Finally

– You are thinking wisely with a 5-year investment mindset.
– Rs.5 lakh can grow well if allocated smartly.
– STP gives safety in early year.
– Equity gives growth in later years.
– Choose active funds with CFP advice.
– Avoid direct plans and index traps.
– Focus on quality, not popularity.
– Stick to your plan with patience.
– Long-term results depend on short-term discipline.
– Investing right now builds tomorrow’s comfort.
– You’ve already taken the most important step.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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