Hi Anu, After reading a lot of your responses I started to believe that you probably have a solution to my complex problem I am 42 yr old and wife 40 and we live in AUS. We have 2 beautiful, smart kids 11 and 7. She is a nice person but not very smart to think what should we care and what not care and live a happy life. A few years ago my mom from India used to visit how used to complain about my in-laws about how rude they are how they not keep in touch at all and all that. This is absolutely true because I saw that myself. But my wife being a loving daughter thinks none of that is true and my mom is lying. 10 years ago my dad passed away after 2 months of lot of suffering from cancer, my wife was pregnant here at the same time in AUS. I had to go to India to spend with time with my dad during his last days.One unbelievable truth is when I was performing funeral rituals on on side my father in law was telling all my close visitors that I am not talking/calling much to my wife during these days to AUS. All those guests told me about it. But my father-in-law says that he never said those things to visitors and they are all lying. My wife firmly believes that they are all lying. When I talked to him in person he agreed that he said those things. He is never nice to our family. He never even offered help to my family when my dad was suffering. All that a side, realizing that me and my family is disturbed a lot, none of my family members are saying anything to her just so that we are happy and nothing bothers us. It's been 2 1/2 years like that. But she is not ready for forget what happened in the past and live a happy family life. Despite suffering I myself tell her to forget all that happened and I never talk about past things. But she still clings on to those thoughts. My kids are suffering now. To keep my family happy, I try to make fun , talk to her, go places and all that. But with those past thoughts she turned into a heartless person. Please help. Tell me where, what and how can I/we fix this.

Ans: Vamshi, it is good to see that you started early and are investing a steady Rs.30,000 every month. Beginning SIP at 40 and thinking long term shows maturity and patience. The concern you are feeling is common in the first year, and it does not mean you have done anything wrong.

» Time frame and expectations
– Six months is a very short period for equity mutual funds.
– Equity works best when given time to pass through ups and downs.
– In the early phase, SIP units get accumulated more than showing returns.
– Real growth usually becomes visible after a few years, not months.

» Why growth is not visible right now
– Markets do not move in a straight line. Sideways and volatile phases are normal.
– Mid-cap oriented funds move slower during uncertain periods.
– SIP is doing its job quietly by buying more units at different levels.
– Lack of short-term growth is not a sign of poor fund quality.

» Review of your current fund mix
– Your portfolio has strong exposure to mid-cap style funds.
– Mid-cap funds can give good returns but can test patience in short periods.
– You also have diversified and multi-asset style exposure, which adds balance.
– Overall, the structure is growth-oriented but slightly tilted towards higher volatility.

» Whether to continue or make changes
– Stopping or changing funds just because of 6-month performance is not advisable.
– Frequent changes usually hurt long-term returns.
– At this stage, continuation is more important than replacement.
– Any change should be based on asset balance, not recent returns.

» What can be improved going forward
– Add stability by increasing allocation to diversified large and flexible equity styles.
– Keep mid-cap exposure, but avoid adding too many similar funds.
– Ensure each fund plays a clear role, not overlapping the same stocks.
– Avoid chasing recent performers.

» SIP discipline and behaviour
– Continue SIP without interruption for at least a few years.
– Do not check portfolio too often; quarterly review is enough.
– Volatility in early years actually helps long-term investors.
– Patience is more valuable than timing.

» Risk and goal alignment
– A 5 to 10 year horizon is suitable for equity investing.
– If goals are closer to 5 years, balance is more important than aggression.
– If goals are closer to 10 years, staying invested matters more than short-term noise.
– Clear goal tagging will give confidence during weak phases.

» 360-degree perspective
– Ensure you have adequate emergency fund outside mutual funds.
– Health and term insurance should be in place to protect investments.
– Avoid using equity investments for short-term needs.
– Keep SIP amount flexible as income grows.

» Final Insights
– Your concern is natural, but your action so far is sensible.
– Six months is too early to judge equity mutual funds.
– Do not stop SIP or switch funds based on short-term returns.
– Improve balance slowly, not urgently.
– Consistency and patience will reward you over time.

Best Regards,

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

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

Ans: Your discipline, simple lifestyle, and clear thinking at age 61 deserve genuine appreciation. Reaching a stage where your present corpus can support 15 years of expenses shows strong financial habits and self-control. This already puts you in a position of strength and choice.

» Understanding your current position
– You have minimal medical expenses today and follow a disciplined, minimalist life. This reduces pressure on your corpus.
– You have consciously stopped fresh investing and moved to withdrawal mode. This is natural at this life stage.
– Your current calculation shows that if expenses remain the same, the corpus can last around 15 years at today’s market value.
– This indicates balance, but it should not be treated as a fixed or permanent number.

» Why a straight 15-year calculation needs review
– Expenses rarely stay flat for 15 years, even with a simple lifestyle. Small increases add up over time.
– Health costs may be zero now, but ageing can change this suddenly, not gradually.
– Market value of corpus will move up and down. Withdrawal during weak phases can reduce longevity of money.
– Inflation silently reduces purchasing power, even for basic living costs.

» Assessment of your current SWP level
– If your SWP exactly matches today’s expenses, it is not aggressive, but it is also not conservative.
– A SWP that leaves no room for future uncertainty can slowly increase risk in later years.
– Your discipline is a big positive, but the plan should not depend only on discipline staying perfect forever.

» Should you reduce or increase your SWP
– Increasing SWP is not advisable at this stage unless there is surplus income from other safe sources.
– Maintaining the same SWP may work in the short term, but it needs regular review, not a one-time decision.
– A small reduction, even if not immediately needed, can add comfort and extend corpus life.
– The goal is not to maximise withdrawal, but to avoid regret in later years.

» How to think about SWP going forward
– Treat SWP as flexible, not fixed for 15 years.
– Review withdrawal once a year based on expenses, health, and market condition.
– During good market periods, you may continue smoothly.
– During weak market phases, be ready to pause or trim SWP slightly. This protects the core corpus.

» Health and contingency planning
– Even with zero medical expense today, a separate health buffer within the corpus is important.
– This buffer should not be touched for regular living costs.
– This reduces stress and avoids forced withdrawals during emergencies.

» Emotional comfort and quality of life
– Your minimalist life already supports peace of mind.
– A slightly conservative SWP often gives better sleep than an exact-match calculation.
– Financial plans at this stage should reduce anxiety, not test limits.

» Final Insights
– Your 15-year calculation is a good starting point, not a final answer.
– Avoid increasing SWP.
– Consider a modest reduction or at least keep flexibility to adjust.
– Annual review is more important than perfect maths today.
– Your discipline and simplicity are your biggest assets; protect them with a margin of safety.

Best Regards,

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

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

Ans: Contact with an astrologist.

Ans: First of all, I understand how overwhelming and frightening this situation feels. A second bone marrow transplant is not only a medical decision, it becomes an emotional and financial storm for the entire family.

Please take a deep breath. Right now, the most important thing is to move step by step, with clarity and support, instead of panic.

Let me guide you in the most sensible and practical way forward.

1. Do not agree immediately for a second BMT without full confirmation

Before taking such a high risk and costly step, it is extremely important to confirm whether this is truly relapse or graft failure.

Please ask the doctor urgently for these key tests:

Chimerism Test (this is the most important)
This will show whether the donor marrow is still functioning.

Hemoglobin electrophoresis or HPLC

Genetic confirmation of recurrence

Bone marrow evaluation

Full transplant summary from 2013

Sometimes what looks like “thalassemia again” may actually be mixed chimerism, which can sometimes be managed without a full second transplant.

Do not decide until this is clearly confirmed.

2. Take a second expert opinion within 7 to 10 days

A second transplant is a major step. A second opinion can completely change the treatment plan.

Some of the best transplant centers in India are:

CMC Vellore
Tata Memorial Hospital, Mumbai
Apollo Chennai
PGI Chandigarh
AIIMS Delhi

Ask your current hospital for all reports and records in one complete file and consult quickly.

3. Negotiate strongly with the hospital for financial support

Please remember this clearly:

Hospitals can reduce costs significantly under charity, CSR support, and welfare schemes.

You should immediately request:

Concessional package
CSR or charity quota support
Installment payment option
Government or NGO assistance

Go directly to the Patient Welfare Office or Medical Superintendent and say clearly:

“We cannot afford 25 lakhs. Please place us under financial assistance support.”

Many families get 30 to 50 percent reduction when they push firmly.

Ask for a written revised estimate.

4. Insurance roadmap that actually works

Do not just ask “Will it cover?”

Do this exact process:

Check your policy wording for:

Bone Marrow Transplant
Stem Cell Transplant
Day care procedures

Apply for pre authorization before admission

If rejected, file escalation immediately

Group insurance through employer usually has higher chance of approval

Even though thalassemia is genetic, continuous insurance often still covers hospitalization and transplant procedures.



5. Government funding options that work in real cases

Please apply immediately. Do not delay even one week.

Practical sources include:

Ayushman Bharat (PMJAY)
Karnataka CM Relief Fund
PM National Relief Fund (PMNRF)
Health Minister Discretionary Grant

Many transplant cases receive support through these funds.

Hospital social workers usually help with forms.

Start applications this week.

6. NGOs that genuinely help thalassemia patients

These organizations are active and supportive:

Sankalp India Foundation
Cure2Children Foundation
Thalassemia Patients Advocacy Group

They help with funding, donor support, and correct guidance.

Write to all three with reports and hospital estimate.

7. Crowdfunding is the fastest support route today

Many families are able to raise 10 to 20 lakhs within 2 to 4 weeks through:

Milaap
Ketto
ImpactGuru

You will need:

Doctor’s letter
Hospital estimate
Patient photo
ID proof

Hospitals also cooperate in documentation.

8. Legal action is not the priority right now

I will be honest with you.

A transplant functioning for 13 years is usually not treated as negligence easily.

Legal cases take years and will not solve today’s urgent need.

First focus on:

Correct diagnosis
Second opinion
Financial assistance
Insurance
Relief funds
NGO support

Legal route can be explored later only if clear malpractice evidence emerges.

9. Ask the doctor these 6 direct questions tomorrow

Please write these down:

Is this graft rejection or true recurrence?
What is the current chimerism percentage?
Are there non transplant options before a second BMT?
What is the success rate in his specific case?
Will the same donor work or is a new donor needed?
What is the minimum possible cost after concession?

Do not leave without clear answers.

10. Immediate checklist for today

Collect these documents urgently:

2013 discharge summary
Current reports and diagnosis
Doctor recommendation letter
Hospital cost estimate
Insurance card and policy copy
Income certificate (needed for relief funds)

These will be required everywhere.

Final words

Please remember, you are not helpless.
There are medical options, financial support routes, and real organizations that can help you.

Just do not take any rushed decision.

Take one step at a time:

Confirm diagnosis
Second opinion
Negotiate assistance
Apply for funds
Reach NGOs
Start crowdfunding if needed

Naveenn Kummar
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Ans: I appreciate the honesty and effort you have taken to put all details clearly. At age 52, with steady income, assets, and disciplined savings, you are not late. You are actually in a position where course correction can still create a strong and peaceful retirement life. Your intent is right. Now it needs direction.

» Where You Stand Today – Big Picture
– You have two self-owned properties and you are clear that you do not want to sell them. That emotional clarity is important.
– You have stable salary income till age 58 and a reasonable monthly expense level.
– You have health cover in place, which is a big relief for retirement planning.
– You are investing regularly and thinking long term till age 90, which shows maturity.

» Cash Flow Reality Check
– Monthly salary is Rs 1 lakh.
– Monthly expenses including rent are on the higher side because you are not living in your own house.
– Rental income from your flat is very low compared to its value, which limits support during retirement.
– Post retirement, salary will stop, but rent and living costs will continue.

» Retirement Corpus Readiness
– Provident Fund balance is moderate and will grow till retirement, but by itself it will not support a 32-year retired life.
– Pension fund amount is very small and cannot be relied upon for monthly needs.
– Fixed deposit and post office monthly income scheme amounts are too low for emergencies and long retirement needs.
– Demat holdings show good market exposure, but they are scattered across multiple accounts, making tracking and discipline difficult.

» ETF Investment – Important Concern
– ETFs simply follow the market without judgement. They go up when markets rise and fall fully when markets fall.
– At age 52, protecting downside is as important as growth. ETFs do not offer this protection.
– ETFs cannot shift strategy based on valuations, interest rates, or economic cycles.
– Actively managed mutual funds are better suited now as they can control risk, manage volatility, and rebalance based on conditions.
– Continuing heavy ETF investing at this stage increases retirement risk.

» LIC Policies – Review Is Necessary
– You are holding investment-cum-insurance policies with monthly premium of Rs 6,000.
– Life cover of around Rs 26 lakh is not meaningful considering your income, liabilities, and dependents.
– These policies grow slowly and lock your money for long periods.
– This is one area where surrender and redirection should be evaluated carefully.
– Redirecting future premiums into growth-oriented mutual funds can improve retirement readiness.

» Daughter’s Education Planning
– Your daughter is in Class 8, which means major education expenses are coming soon.
– This goal should be kept separate from retirement money.
– Education planning needs growth with time-bound discipline, not random investments.

» Emergency and Stability Planning
– Emergency fund of Rs 1 lakh is not sufficient considering job risk, rent, and medical needs.
– This should ideally cover several months of expenses.
– Health insurance is well structured, which is a strong positive.

» 360-Degree Corrections Needed
– Consolidate demat holdings to simplify monitoring and reduce emotional decisions.
– Gradually reduce ETF exposure and move towards actively managed funds aligned to goals.
– Review LIC policies and consider surrender where financially sensible.
– Increase emergency fund to avoid touching retirement money.
– Align investments separately for retirement, daughter’s education, and near-term needs.
– Rental income strategy should be realistic and aligned with retirement cash flow needs.

» Final Insights
– You are not on a wrong path, but the path is unorganised.
– Assets are there, income is there, discipline is there, but structure is missing.
– Heavy ETF exposure and slow-moving insurance products are the biggest risks today.
– With six working years left, smart reallocation and simplification can still build a stable retirement till age 90.
– With guided planning by a Certified Financial Planner, your existing resources can be turned into a confident retirement plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: I appreciate you for being open about your health condition and for thinking carefully about family protection. Planning insurance with diabetes needs clarity, not fear. With the right structure, you can still build strong protection and long-term comfort.

» Diabetes and Term Life Insurance – Ground Reality
– Diabetes does not mean insurance rejection in all cases.
– Insurers mainly look at: age, duration of diabetes, sugar control, medication, and presence of complications.
– Well-controlled diabetes with regular follow-ups improves acceptance chances.
– Premiums may be higher, but cover is still possible in many cases.

» Return of Premium Term Insurance – How It Works
– In return of premium plans, you pay higher premium compared to pure term plans.
– If you survive the policy term, total premiums paid are returned.
– If death occurs during the term, nominee receives the full sum assured, not double.
– The returned amount does not generate real growth and does not beat inflation over long periods.

» Suitability Check – Is Return of Premium Right for You
– These plans give emotional comfort of “money back,” but not real wealth creation.
– Premiums are much higher, which reduces flexibility in other important goals.
– The return is simply your own money coming back after many years, without meaningful growth.
– From a planning view, insurance should protect risk, not act as an investment.

» Better Way to Think About Protection
– Life insurance should focus on high cover at reasonable cost.
– Savings and wealth creation should be handled separately through growth-oriented options.
– This separation gives clarity, flexibility, and better long-term results.
– Even with diabetes, choosing the right structure helps balance protection and affordability.

» If You Are Emotionally Keen on Premium Return
– If the idea of “no loss if I survive” is very important for your peace of mind, return of premium plans can be considered cautiously.
– Cover amount should still be meaningful, not compromised due to higher premium.
– This choice should be made after checking long-term cash flow comfort.

» 360-Degree Protection Planning
– Ensure adequate life cover based on responsibilities and dependents.
– Review existing insurance policies to avoid overlap or under-coverage.
– Keep health insurance strong, especially with diabetes.
– Align investments separately for retirement and family goals instead of depending on insurance maturity.

» Final Insights
– Diabetes is a factor, not a full stop, in life insurance planning.
– Return of premium plans give emotional relief but not financial growth.
– Clear separation between insurance and investment gives better long-term stability.
– With structured guidance from a Certified Financial Planner, you can design protection that works for your health condition and future goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: I appreciate you for sharing full policy details and for your long-term commitment since 2008. Staying invested for so many years shows discipline and responsibility towards family protection. It is good that you are reviewing this now instead of blindly continuing.

» Understanding What You Will Receive at Maturity
– This is an insurance-cum-investment policy, not a pure investment product.
– At maturity, you will receive:

Sum Assured

Loyalty addition, if declared by the insurer
– The maturity amount is not guaranteed upfront. Loyalty additions depend on the insurer’s performance and are declared closer to maturity.
– Double accident benefit applies only in case of accidental death, not for maturity value.

» Return Expectation – Reality Check
– Over long policy terms, such plans generally generate low returns compared to long-term market-linked options.
– Premiums are locked for decades, reducing flexibility.
– Inflation impact is high over 35 years, which reduces the real value of maturity proceeds.
– The policy is safe, but safety comes at the cost of growth.

» Insurance and Investment – Mixed Role Issue
– This policy combines insurance and savings, which reduces efficiency on both sides.
– Life cover of Rs 7.5 lakh is inadequate for long-term family protection today.
– At the same time, the investment part grows slowly and does not match long-term goals like retirement or children’s education.

» Should You Continue or Exit
– Since this is an investment-cum-insurance policy, it is important to reassess its relevance today.
– If your main objective is wealth creation, continuing may not be optimal.
– If surrender value is reasonable and future premiums are still large, surrendering and redirecting money to better growth-oriented options can make sense.
– The decision should be based on: years already paid, current surrender value, and future cash flow comfort.

» What to Do After Surrender – Direction, Not Guesswork
– After surrender, the focus should be on separating insurance and investment clearly.
– Adequate pure life insurance cover should be ensured separately.
– Long-term investments should be aligned to goals, time horizon, and risk capacity.
– Actively managed mutual funds provide flexibility, professional decision-making, and better inflation-adjusted growth over long periods compared to traditional insurance products.

» 360-Degree View on Your Financial Plan
– Review existing insurance coverage across life and health.
– Align investments with specific goals instead of policy maturity dates.
– Maintain liquidity for emergencies.
– Periodic review with a Certified Financial Planner helps avoid emotional decisions and keeps the plan on track.

» Final Insights
– Your intention to secure the future is absolutely right and deserves appreciation.
– The policy offers safety, but growth is limited and may not meet long-term needs.
– Mixing insurance and investment has worked against optimal wealth creation.
– A structured shift towards goal-based investing, after careful surrender evaluation, can significantly improve your financial outcome over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: I truly appreciate that you are investing regularly through SIPs and have spread your money across equity, hybrid and gold-related options. This shows discipline and a long-term mindset, which is the most important part of wealth creation. With some fine-tuning, this portfolio can become stronger and more aligned to long-term goals.

» Overall Portfolio Assessment
– Your portfolio has a mix of growth-oriented equity, a balanced component, and a hedge through gold and silver.
– Monthly SIP amount is well distributed, which reduces timing risk.
– However, there is overlap in equity style and also some exposure to options that may not add real long-term value.

» Flexi-cap Equity Exposure
– Flexi-cap funds are suitable for long-term goals as they can move between large, mid and small companies based on market conditions.
– Holding more than one flexi-cap fund can sometimes lead to duplication of stocks, which reduces the benefit of diversification.
– Instead of quantity, quality and role clarity matters. One well-managed active flexi-cap fund is usually sufficient when reviewed periodically.

» Balanced / Dynamic Allocation Exposure
– A balanced or dynamic asset allocation fund helps reduce volatility and is useful for investors who want smoother returns.
– This is a sensible inclusion, especially if you are investing for multiple goals and want some stability along with growth.
– Allocation should be intentional, not accidental. Its role should be clear – risk control, not return chasing.

» Index Fund Exposure – Important Caution
– Index funds simply copy the market and have no ability to protect your portfolio during market excesses or downturns.
– When markets are expensive, index funds still stay fully invested without judgement.
– In long-term investing, especially in India, actively managed funds have the flexibility to avoid overvalued stocks, manage risks, and adapt to changing conditions.
– For investors seeking meaningful wealth creation and downside control, active management plays a crucial role that index funds cannot provide.

» Gold and Silver ETF FoF Exposure
– Gold can act as a hedge, but returns over the long term are limited compared to equity.
– Silver is highly volatile and largely driven by global cycles, making it less predictable for retail investors.
– ETF FoF structures add an extra layer of cost and tracking issues without giving proportional benefit.
– Precious metals should be held in moderation and only as a support asset, not as a growth driver.

» Cost, Monitoring and Behavioural Discipline
– Too many funds increase monitoring burden and can lead to emotional decisions.
– Simplicity improves discipline, especially during market corrections.
– Investing through a Mutual Fund Distributor who is also a Certified Financial Planner helps in regular reviews, behavioural guidance, and timely rebalancing. This support is often missing in self-managed approaches.

» 360-Degree Alignment with Goals
– The right portfolio is not about popular funds, but about matching investments with goals like children’s education, retirement, and financial security.
– Time horizon, risk capacity, and cash flow stability should decide fund selection and allocation.
– Periodic review and rebalancing is more important than frequent switching.

» Final Insights
– Your intention and consistency are excellent and deserve appreciation.
– Some consolidation is advisable to avoid overlap and unnecessary exposure.
– Reducing passive and ETF-based allocations and strengthening active equity exposure can improve long-term outcomes.
– A goal-aligned, simplified, actively managed portfolio reviewed by a Certified Financial Planner can give you clarity, confidence, and peace of mind over the years.

Best Regards,

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

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

Ans: bech do