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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 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
Prasanna Question by Prasanna on Aug 15, 2023Hindi
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Relationship

Hi Anu, I’m 45 male and my wife is 44, we have been separated due to opinion difference through court she filed three cases on me , after that she with draw all cases by taking Alumni, since two years I have been wishing her on her birthday, recently two months back I wished on her birth we have small conversation asked about ourselves , like did I get married to other women or did she got married to other man. After that conversation she started talking , daily we chat looking at this I put a proposal saying that if she is willing to come back and start our life she is open for it. But she says she does not have any intension of getting married to any one she want to stay alone for life long. Sometimes she shows so much love and affection caring sometimes she completely ignore me as if am a stranger, I’m unable to judge her mood strings day by day my stress levels are going high could not control my emotions and anger I express it on any one. Please do suggest shall I be optimist and wait for some more years and its better to leave her on her own path.

Ans: Dear Prasanna,
For the time being, it appears that the separation is helping the two of you reconnect at a better level than when you stayed together.
It is a good thing as it will patch up wedges and also teach you both to appreciate one another and respect your differences.
I suggest that you let this be for a while now till it reaches a place where the two of you are cordial with one another and set aside the animosity and quell the ego. Then you can put your proposal forth to her of moving back together. She may want it or may prefer the status quo (like she has mentioned to you that she wants to stay alone). Either case, once a connection is filled with love that it is meant to, there not be a definite label or construct to that connection. So, wait for that suitable time to know where her mind is...till then enjoy the time together as a 'dating phase' and relish the moments.

All the best!

You may like to see similar questions and answers below

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Asked by Anonymous - Nov 02, 2023Hindi
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Relationship
My wife aged 40 years left me after 20 years of marriage. We had one son aged 19 years also. She is citing mental torture by me as the main reason for her decision. She is never allowing to negotiate on the separation issue and is refusing to attend meetings with parents, elders, relationship counceller etc. She only tells that she had suffered a lot till now and will never stay with me in future. She insists for settlement of a house or equivalent money in cash and divorce. I insisted that the past disputes were minor in nature and not sufficient ground for divorce/separation and assured that I will be more careful in future and will never make her sad. Still she is reluctant and avoids any thing that brings reunion possible. She is not having any crush on another person but intends to live a solitude life. She found a job and is living independently without my son. Pl guide me what to do TSR
Ans: Dear Anonymous,
It seems clear that your wife does not want a reconciliation. If that is the case, it's better to engage a lawyer that can clearly state the terms of divorce settlement. If mutual consent does not work, this might not be very amicable...hence the lawyer drawing up the terms is a wise option.
I understand that you might want to give the marriage another chance, but if she is unwilling, what can you do? Try and request her for one conversation and express your desire to reconcile...but if she is firm...don't push the agony anymore...find a capable lawyer who knows how to draft a clear agreement of what you want to retain and what is fair for her. Also, if she isn't taking care of the child, then it becomes evident that you are responsible solely for him.
Think quickly and wisely and do the right thing...

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |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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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 03, 2024

Asked by Anonymous - Dec 01, 2024Hindi
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Relationship
My and my wife separate since 1 year due to misunderstanding and now she is not in vontact with nor giving me divorce and she is living separately from her family and i am.worry about her i tried to contact her and her family but not getting answer. She was always blame for her mistake to me. Apart from this she has long trauma issue with her father which is unresolved. I am emotionaly drained as she is not coming back nor giving me divorce.
Ans: It’s also clear that her unresolved trauma with her father may have influenced the dynamics of your relationship, perhaps creating barriers to open communication or trust. While her past is something she ultimately has to face and heal from, it’s not something you can resolve for her, no matter how much you may wish to.

It's important to acknowledge your own emotional wellbeing right now. It seems like you're carrying the weight of her pain as well as your own. This might be the time to step back and focus on finding some clarity and balance for yourself. Working with a counselor or therapist could help you process your feelings and better navigate the uncertainty of this situation. Emotional exhaustion can cloud decision-making and pull you into cycles of self-blame or frustration, and having professional support might give you the tools to handle these emotions in a healthier way.

You’ve made efforts to reconnect and seek closure, which shows your commitment. However, if she is unwilling or unable to engage right now, this could mean shifting your focus toward what you can control: your healing, your boundaries, and your future. Remember that it’s okay to give yourself permission to find peace, even if her choices leave things unresolved for now.

Finding closure within yourself might not come easily, but it is possible. Take it step by step, allowing yourself time to grieve the relationship and reflect on what you’ve learned about yourself. This isn’t just about moving on; it’s about rediscovering your sense of stability and strength, regardless of her decisions. You're navigating this with care, and that shows your integrity and depth of character. Keep reminding yourself that your wellbeing matters, too.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7886 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Money
Shall i withdraw funds from Kotak smart advantage ulip purchased 15 years back with Rs 40000 annual premium , sum assured just rs 2 lacs, and invest it in good mutual funds. also i have small amounts of funds and insurance in icici ,birla and bajaj policies , shall i withdraw them and put in good mutual funds and take Term insurance. My age is 47 a businessman having 3 dependants ,spouse and sons 14 and 18
Ans: Your financial decision-making is on the right track. Your focus should be on building a strong investment portfolio and ensuring adequate insurance coverage.

Assessment of Existing ULIP and Insurance Policies
Kotak Smart Advantage ULIP: You have been paying Rs. 40,000 annually for 15 years.
Low Sum Assured: Rs. 2 lakh is not enough for financial security.
Other Policies: Small funds and insurance in ICICI, Birla, and Bajaj.
Business Income: You need a solid financial backup.
Family Responsibility: Three dependents, including two sons.
Why You Should Exit ULIPs and Endowment Policies
High Charges: ULIPs and traditional plans have high fees.
Low Returns: They provide suboptimal growth.
Better Alternatives Exist: Mutual funds offer superior long-term returns.
Inadequate Coverage: Insurance policies should not be for investment.
Liquidity Issues: ULIPs and endowment plans restrict withdrawals.
Recommended Actions
1. Exit and Reallocate
Surrender ULIPs and Traditional Policies: Redeem all insurance-cum-investment plans.
Move to Mutual Funds: Invest in actively managed funds for better growth.
Use a Phased Approach: Exit in a tax-efficient manner.
2. Get Proper Life Insurance
Buy a Term Plan: Choose coverage of at least Rs. 2 crore.
Low Premium, High Cover: Term plans are cost-effective.
Secure Family's Future: Ensure financial safety for dependents.
3. Build a Strong Investment Portfolio
Diversify into Equity and Debt: Ensure a balanced approach.
Systematic Investment Plan (SIP): Regular investing builds long-term wealth.
Keep Some Emergency Funds: Maintain liquidity for business and personal needs.
4. Tax Efficiency
Mutual Fund Capital Gains: Plan withdrawals wisely.
Use Tax-Saving Options: Consider efficient investment structures.
Finally
Exit Low-Yield Plans: Move towards high-growth investments.
Ensure Proper Insurance: A term plan is a must.
Invest for Growth: Mutual funds will help you build wealth.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7886 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Money
I am 58years old. I will retire in two years. Post retirement I will get a pension of 1.5 Lakh per month. My Monthly expenses are likely to be 2.5-3.0 lakh per month till age of about. 65.After that my pension will be enough to take care of my needs. On retirement I'll have a corpus of about 1.5 Cr. Where can I deploy this to get a regular income of about 1.5 Lakhs for 5-6 Years. I have my own house, car etc and have a central Gove health scheme for retirees.
Ans: Your financial situation is well-planned. You have a stable pension and a clear understanding of your future expenses. The key challenge is ensuring sufficient income for the next 5-6 years while preserving your retirement corpus.

Key Aspects of Your Financial Situation
Retirement in 2 Years: Pension of Rs. 1.5 lakh per month post-retirement.
High Expenses Initially: Rs. 2.5-3 lakh per month until age 65.
Short-Term Income Gap: Need Rs. 1.5 lakh extra per month for 5-6 years.
Corpus of Rs. 1.5 Crore: Needs to be deployed efficiently.
No Additional Liabilities: Own house, car, and central government health scheme.
Building a Reliable Income Plan for 5-6 Years
Keep a Liquidity Buffer: Maintain Rs. 10-15 lakh in a bank FD or a liquid fund for emergencies.
Fixed Income Options: Invest part of the corpus in safe, short-term debt instruments.
Systematic Withdrawals: Use a structured withdrawal plan to generate regular cash flow.
Partial Equity Allocation: Invest a portion in actively managed mutual funds for growth.
Reassess Investments Regularly: Review performance every 6-12 months.
Detailed Investment Strategy
Short-Term (First 2-3 Years)
Stable Income Focus: Invest Rs. 60-70 lakh in debt instruments for regular withdrawals.
Low-Risk Allocation: Choose safe options with periodic interest payouts.
Liquidity Management: Keep Rs. 10 lakh for unexpected expenses.
Medium-Term (Next 3-4 Years)
Balanced Approach: Invest Rs. 40-50 lakh in a mix of debt and actively managed funds.
Growth-Oriented Strategy: Allocate 20-30% of this amount to equity for better returns.
Systematic Withdrawals: Plan phased withdrawals from safer investments.
Long-Term (After 5-6 Years)
Corpus Preservation: As pension becomes sufficient, shift focus to long-term growth.
Equity Allocation: Maintain a portion in mutual funds for future wealth creation.
Reinvest Surplus: If any amount remains, reinvest for later years.
Key Considerations for Tax Efficiency
Minimise Tax Impact: Withdraw from low-taxed sources first.
Use Capital Gains Efficiently: Follow new mutual fund tax rules.
Plan Withdrawals Smartly: Avoid unnecessary tax liabilities.
Final Insights
Balance Safety and Growth: A mix of fixed income and equity investments is ideal.
Ensure Regular Monitoring: Adjust investments based on market conditions.
Preserve Capital for Later Years: Plan wisely to sustain wealth beyond age 65.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7886 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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Money
Hi Sir, I have networth of 8 crore which is in real estate 4 crore open plot 4 agricultural land and i have own house too. However, there is hardly any income from the property. I work in IT company have 1 lakh monthly salary and have 30 lakh loan most of my salary goes in emis im in huge stress i don't know how I will get financial free
Ans: Your financial stress is understandable. You have a strong asset base but limited income from it. A structured approach can help you achieve financial freedom.

Key Issues in Your Financial Situation
High Net Worth, Low Liquidity: Your net worth is Rs. 8 crore, but it is locked in real estate.
High EMI Burden: A large portion of your Rs. 1 lakh salary goes into EMIs.
Lack of Passive Income: Your properties generate little to no income.
High Stress Levels: Financial strain is impacting your peace of mind.
Immediate Actions to Reduce Stress
Identify and Cut Unnecessary Expenses: List your expenses and find areas to save money.
Renegotiate Loan Terms: Check if you can extend the loan tenure to reduce EMI.
Increase Cash Flow from Properties: Explore renting out or leasing any part of your property.
Avoid New Debt: Do not take additional loans until your financial situation improves.
Managing the Loan Burden
Prioritize Loan Repayment: Target the high-interest loan first.
Consider Partial Prepayment: If possible, prepay part of your loan to reduce EMIs.
Balance Investments and Debt Repayment: Avoid investing aggressively while in heavy debt.
Generating Passive Income
Lease or Rent Out Properties: Agricultural land and open plots can be leased.
Freelance or Side Hustle: Consider using your IT skills for additional income.
Dividend and Interest Income: Invest in assets that provide regular income.
Optimizing Your Salary
Increase Earnings: Look for promotions or job opportunities with better pay.
Tax Planning: Maximize deductions to reduce tax outgo.
Budgeting: Allocate funds wisely between expenses, savings, and investments.
Investment Strategy for Financial Freedom
Build an Emergency Fund: Keep at least 6-12 months' expenses in a liquid fund.
Invest in Mutual Funds for Growth: Diversify into actively managed equity funds.
Avoid Real Estate as an Investment: Focus on liquid and income-generating assets.
Systematic Investing: Invest monthly through SIPs to create long-term wealth.
Final Insights
Your Net Worth Must Work for You: Convert assets into cash flow for financial security.
Reduce Debt Stress Gradually: A structured repayment plan will ease the burden.
Increase Income and Investments: Secure a steady passive income for long-term freedom.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7886 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Money
I am 31, aiming to retire at 40 with 3 Cr corpus. Expenses : Household : 30k EMI : 71k Investments : MF : 31 Lakh Stocks : 5 Lakh NPS : 2 Lakh EPF : 8 Lakh FD : 8 Lakh Real Estate : 44 Lakh [2 plots] Liabilities : 58.5 Lakh [ loan Outstanding @ 8.7%] Monthly MF SIP : 60k I have 2 question : 1 . Am at right path toward goal ? 2. Should i prepay loan or invest with surplus ?
Ans: Your goal of retiring at 40 with Rs. 3 crore is ambitious. You have built a strong foundation with diversified investments. However, some areas need improvement.

Let’s analyse your financial position and the best way forward.

Assessment of Your Current Financial Position
Assets: Your total investments, including mutual funds, stocks, NPS, EPF, FD, and real estate, sum up to Rs. 98 lakh.
Liabilities: Your total loan outstanding is Rs. 58.5 lakh at 8.7% interest.
Net Worth: After deducting liabilities, your net worth stands at Rs. 39.5 lakh.
Savings & Investments: You are investing Rs. 60,000 per month in mutual funds, which is a strong commitment towards wealth creation.
EMI Burden: You are paying Rs. 71,000 per month as EMI, which is a significant portion of your income.
Household Expenses: Your monthly expenses of Rs. 30,000 are well under control.
Your current financial discipline is commendable. However, a few adjustments can help you reach your goal efficiently.

Will You Achieve Your Retirement Goal?
You need to accumulate Rs. 3 crore in the next 9 years.
Your current corpus of Rs. 98 lakh (including real estate) will grow over time.
Your SIP of Rs. 60,000 per month will also contribute significantly.
However, your high loan burden could slow down wealth creation.
If your investments grow at a reasonable rate, you may achieve your target. But a high EMI could reduce your ability to invest aggressively.

Should You Prepay Your Loan or Invest Surplus?
This decision depends on three key factors:

1. Loan Interest vs. Investment Returns
Your loan interest rate is 8.7% per annum.
If your investments generate higher returns than 8.7%, continuing investments makes sense.
Historically, equity mutual funds have delivered higher returns than loan rates.
2. Cash Flow Management
Your EMI of Rs. 71,000 per month is high.
This limits your ability to invest more and build wealth faster.
If you prepay part of your loan, your EMI will reduce.
This will increase your ability to invest aggressively in wealth-building assets.
3. Risk Management
Loan repayment is guaranteed, but investment returns are uncertain.
If markets underperform, you may struggle with both EMI payments and retirement goals.
Reducing debt provides peace of mind and financial security.
Recommended Strategy
Step 1: Build an Emergency Fund

Maintain 6 months’ worth of EMI and expenses in liquid funds or FDs.
This ensures you can handle unexpected situations.
Step 2: Balance Loan Prepayment and Investments

Prepay part of your loan to reduce EMI pressure.
Try to bring EMI below Rs. 50,000 per month.
This will free up cash flow for higher investments.
Step 3: Increase Mutual Fund SIPs

Once EMI reduces, increase your SIPs beyond Rs. 60,000 per month.
Focus on actively managed mutual funds for better returns.
Avoid index funds as they limit growth potential.
Step 4: Avoid Real Estate Investments

Your current real estate holding of Rs. 44 lakh is non-productive.
Instead of adding more real estate, focus on financial assets for liquidity and returns.
Step 5: Review Investment Portfolio

Your mutual funds should be well-diversified across large-cap, mid-cap, and flexi-cap funds.
Your stock investments should be in high-growth companies with strong fundamentals.
EPF and NPS provide stability, but equity investments drive faster growth.
Step 6: Consider Tax Efficiency

Interest paid on housing loan provides tax benefits, but it should not be the sole reason to continue loans.
Capital gains taxation on mutual funds needs to be planned carefully to reduce tax liability.
Final Insights
Your financial discipline and investment commitment are strong.

You are on the right path, but high debt reduces flexibility.

Partial loan prepayment will help reduce EMI burden and increase investment capacity.

By balancing loan repayment and investments, you can achieve your Rs. 3 crore goal by 40.



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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