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Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2021

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
SK Question by SK on Oct 14, 2021Hindi
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Relationship

Anu Mam, in your video you mentioned about healthy communication.

I have tried many times to initiate communication with my husband but he is very biased. He shuts me down immediately in front of his parents and friends.

It’s very embarrassing when he does that in front of people we know.

He likes to dominate and make fun of me which everyone else seems to enjoy but I don’t.

If I tell him that he feels I am being a spoilsport.

He says I have put on weight and look fat after marriage and I don’t have a job that’s why I am getting all these negative thoughts.

My mother in law also never supports me. She doesn’t tell if her son does something wrong.

If I make one mistake she will blow it out of proportion and discuss in front of everyone. That becomes another topic for argument.

All this is making me very annoyed and affecting our marriage now.

We don’t have a child yet but we are already fighting every day. Please help. I just want to start a happy relationship. But I don’t know how to do it.

Ans: Dear SK, commenting on your body image honestly is no one’s business and by no one I also mean your husband.

He absolutely has no right to body shame you and make it a topic of jest.

The nest time, he calls you a spoilsport, please feel free to comment on his looks, his accent, his performance behind close doors and watch what his reaction is.

Sadly, his male ego will be hurt; at least it will give him an idea as to what he has been you through.

Communication as I mention must be firm and assertive; it must convey exactly what you want rather than what you don’t want.

And as far as it goes for you in-laws, ignore their childish behaviour towards you…honestly you cannot control anyone’s thoughts or actions and they are free to do as they please. But what gives them fuel is that you are provoked and hurt.

Is it possible to be unaffected by what people say of you and about you?

Yes, when you own your body image and are unapologetic about it!

Your body, your way…as simple as that and anyone has a problem with that, then it’s their problem!

Be at a lot of peace and act wisely!

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 Hi, Please guide me. I am into 10 years of married life with a son of 7 years, both are working... It's an arranged marriage, but we got 6 months to know each other, initially as usual everything seems to be of roses but then comes with reality check.. We both are extremely incompatible.. our views, thoughts, interest, choices never match.He has the habit of pin pointing on everything I do, it's hard to maintain my calm, as I have to manage school, my son, home everything. He helps in daily chores, we stand together in rough times but otherwise we can't discuss any situation with each other.My mother in law also emotionally abuses me by hurling cheapest meanest nasty comments. My parents never listen to me, they expect me to compromise... I'm tired, frustrated.. could you help?
Ans:

Dear PS,

After a few years of marriage, reality can hit hard and then you realize that there are no commonalities between the two of you.

But isn’t that something to celebrate?

We would not be very happy with someone who is just like us. The differences bring in newness and a fresh outlook every moment. So, instead of focusing on the fact that you have nothing in common, why don’t both of you fix your eyes on what is good in the marriage and what each of you bring into each other’s lives?

A marriage therapist can guide you as this is something that they do day in and day out; by bringing awareness to what is beautiful in each other…

And kindly focus on your marriage. Your mother-in-law is simply reacting to the environment in the house and does what she knows.

Sometimes elders do not know the right way to deal with things that they never experienced.

When she sees her son stressed, she might feel it’s because of you and hurl abuses at you.

Each one is dealing with the situation in their own way. I suggest you focus on your marriage that is obviously important to you.

Do remember, storms may lash, but the ones who truly believe in the power of the Sun to relieve them, not only survive but thrive.

So believe that you have the strength to grow out of this and create a beautiful life. And you have mentioned that your husband and you stand together in rough times, so he is anyway going to be with you in this as well. Simply confide in him and grow together.

All the best!

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Anu

Anu Krishna  |873 Answers  |Ask -

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

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

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

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

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

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

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

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

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

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

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

Be at peace.

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Anu

Anu Krishna  |873 Answers  |Ask -

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

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

Dear VS,

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

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

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

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

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

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

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

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

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

Be wise, watch and decide!

All the best!

..Read more

Anu

Anu Krishna  |873 Answers  |Ask -

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

Asked by Anonymous - Nov 02, 2023Hindi
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Relationship
Dear Anu I have been married for 18 years with 2 teenage daughters. My husband has temper issues and I feel he is a perfectionist. He feels that whatever he says or feels is the only correct way to do it. I have a full time job though he earns much more than me. He travels a lot so I am the one running household, kids’ responsibilities, my own job and taking care of a bedridden father in law but nothing seems to matter. Sometimes I feel no matter how much I do it is never enough. I am wearing out, I have become irritated and cynical because of my marital relationship. I thought his anger will subside and he will mellow down with age but it seems to worsen. Something just keep my mouth shut so that he doesn’t pick up one more thing to put me down. I just don’t want to separate because I have 2 wonderful kids for whom we are one happy family. Please advise.
Ans: Dear Anonymous,
It's easy to get angry, throw the weight around and then make people around believe that 'This is who I am!'...
No! It's another way that adults behave having a temper tantrum and it's not okay...
Obviously, it will cause a huge strain in a relationship. In fact, if you and your husband had a better level of compatibility and understanding, the same situation at home with all the responsibilities that you are handling would not be weighing you down.
Emotional support can absolutely be a game changer for a couple who have young children and aged parents to care for and to be on the same page as a couple can help...
These anger issues have a source to them and hence need to be addressed...Else you will be stuck with the daily chores feeling the anguish and then the blame game will slowly begin...
Address this with a lot of patience (like you already have...) Communication between the two of you can take shape in the form of:
- Listening more than talking
- Expressing more than complaining

These small tweaks will first ensure smooth engagement between the two of you...and also, you should know...his anger can just be a form of him asking for attention but he does not know how to ask for it. So, it has to change from anger into expressing...
Does all this change take time? YES and constant and patient work...Marriage is work! And the benefits of bringing back a happy family is always seen in the children first...it's priceless...

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 27, 2024Hindi
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I want 1cr at age of 45 , now my age is 32 ,how much sip I have to do?
Ans: Crafting Your Path to 1 Crore by Age 45
Congratulations on setting a clear financial goal for yourself! Your ambition to accumulate 1 crore by the age of 45 reflects a proactive approach to securing your financial future.

Understanding Your Aspirations
It's inspiring to see your determination to achieve financial independence at a relatively young age. Your clarity of vision is commendable, laying the groundwork for a fulfilling journey towards your goal.

Assessing Time Horizon and Investment Needs
At 32, you have 13 years until your target age of 45. This timeframe offers ample opportunity to leverage the power of compounding through disciplined investing.

Devising a Strategic SIP Plan
Systematic Investment Planning (SIP) is a prudent approach to accumulating wealth over time. By consistently investing a fixed amount at regular intervals, you harness the benefits of rupee cost averaging and long-term market growth.

Determining Monthly Contribution
To reach your goal of 1 crore by age 45, it's essential to determine the monthly SIP amount required. This calculation considers factors such as expected rate of return, risk tolerance, and desired investment horizon.

Exploring Diversified Investment Avenues
While SIPs offer a convenient and disciplined way to invest, it's crucial to diversify your portfolio across various asset classes. Consider allocating funds to equity mutual funds, debt instruments, and potentially, alternative investments to optimize returns while managing risk.

Seeking Professional Guidance
As a Certified Financial Planner, I commend your proactive approach to financial planning. I encourage you to seek professional guidance to tailor an investment strategy aligned with your unique financial goals and risk profile. A qualified advisor can provide personalized recommendations and support you in navigating market complexities.

Embracing Patience and Discipline
Building wealth requires patience and discipline. Stay committed to your SIP plan, resist the temptation of short-term market fluctuations, and remain focused on your long-term financial objectives.

Conclusion
Your ambition to accumulate 1 crore by age 45 is an admirable goal that reflects your commitment to financial independence. By adhering to a strategic SIP plan, diversifying your investments, and seeking professional guidance, you're well-positioned to realize your aspirations and pave the way for a secure and prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 27, 2024Hindi
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Money
I am 64year old person having retired 6 months ago. i have planned SWP to get 60k pm which should suffice my monthly expenses. my daughters r married n settled n son abt to complete his graduation next month. i have a corpus of 3.5 cr. how do i ensure it grows in next 7 to 8 years. kindly guide. thanks n regards.
Ans: Nurturing Your Retirement Corpus for Future Growth
Congratulations on your retirement and prudent decision to implement a Systematic Withdrawal Plan (SWP) to meet your monthly expenses. Your thoughtful approach to financial planning sets a strong foundation for a secure and fulfilling retirement. Let's explore strategies to ensure the growth of your corpus over the next 7 to 8 years, aligning with your financial objectives and responsibilities.

Assessing Your Financial Landscape
Before delving into growth strategies, it's essential to conduct a thorough assessment of your financial situation, including your retirement corpus, expenses, and long-term goals. Understanding your financial landscape provides clarity in charting a path towards sustained growth.

Embracing a Balanced Approach
While prioritizing growth, it's crucial to strike a balance between risk and return, especially considering your stage in life and financial responsibilities. Allocate your corpus across a diversified portfolio comprising a mix of equities, debt instruments, and other income-generating assets to optimize returns while mitigating risk.

Leveraging Growth-Oriented Investments
Given your time horizon of 7 to 8 years, you can afford to adopt a growth-oriented investment strategy focused on capital appreciation. Consider allocating a portion of your corpus towards equity mutual funds or diversified portfolios with a track record of delivering consistent long-term growth.

Incorporating Tax-Efficient Strategies
Maximizing tax efficiency is paramount in wealth accumulation during retirement. Explore tax-saving investment options such as Equity Linked Savings Schemes (ELSS), Senior Citizens' Saving Scheme (SCSS), and tax-free bonds to minimize tax liabilities and enhance your overall returns.

Embracing Continual Learning and Adaptation
The financial landscape is dynamic, requiring continual learning and adaptation to stay abreast of market trends and opportunities. Stay informed about potential investment avenues, seek professional guidance when needed, and remain open to adjusting your investment strategy as circumstances evolve.

Prioritizing Preservation of Capital
While pursuing growth, prioritize the preservation of capital to safeguard your retirement corpus against unforeseen market downturns or economic uncertainties. Adopt a conservative approach towards risk management, ensuring that your investment portfolio remains resilient in volatile market conditions.

Seeking Professional Guidance
As a Certified Financial Planner, I encourage you to seek professional guidance to tailor an investment strategy aligned with your financial goals and risk tolerance. A qualified advisor can provide personalized recommendations and assist you in navigating the complexities of wealth management during retirement.

Conclusion
By adopting a balanced approach, leveraging growth-oriented investments, and prioritizing tax efficiency and risk management, you can nurture your retirement corpus for future growth over the next 7 to 8 years. With careful planning and prudent decision-making, you can enhance your financial security and enjoy a fulfilling retirement journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 25, 2024Hindi
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Money
I am 47 years old&I want to retire now.I have 70 lakhs in my various savings.please suggest me where should I invest to get 45000/- per month
Ans: Crafting a Retirement Strategy for Financial Independence
Congratulations on reaching this significant milestone in your life journey. Transitioning into retirement necessitates a thoughtful approach to ensure a secure and fulfilling future. Let's explore strategic investment avenues to generate a monthly income of 45,000 INR from your existing savings of 70 lakhs.

Assessing Your Financial Landscape
Before embarking on your retirement journey, it's essential to conduct a comprehensive assessment of your financial situation, including existing savings, expenses, and desired lifestyle in retirement. This evaluation forms the foundation of your retirement strategy.

Creating a Sustainable Income Stream
To generate a monthly income of 45,000 INR, you'll need to rely on investment vehicles capable of providing consistent returns while preserving capital. Consider allocating a portion of your savings towards income-generating assets such as fixed deposits, debt mutual funds, and dividend-paying stocks.

Leveraging Annuities for Guaranteed Income
Annuities offer a reliable source of income during retirement, providing regular payments over a specified period or for life. Explore the option of investing a portion of your savings in immediate annuities to secure a steady stream of income to supplement your retirement finances.

Balancing Growth and Stability
While prioritizing income generation, it's essential to strike a balance between growth and stability in your investment portfolio. Allocate a portion of your savings towards equity mutual funds or diversified portfolios to capitalize on long-term growth potential while mitigating risk through debt instruments.

Embracing Tax-Efficient Strategies
Maximizing tax efficiency is crucial in retirement planning to optimize your income and preserve wealth. Explore tax-saving investment options such as Senior Citizens' Saving Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), and tax-free bonds to minimize tax liabilities and enhance your retirement income.

Seeking Professional Guidance
As a Certified Financial Planner, I emphasize the importance of seeking professional guidance to tailor a retirement plan aligned with your financial goals and risk tolerance. A qualified advisor can provide personalized recommendations and navigate you through the complexities of retirement planning.

Regular Review and Adjustment
Retirement planning is an ongoing process that requires regular review and adjustment to align with evolving financial objectives and market conditions. Stay vigilant in monitoring your investment portfolio's performance and make necessary adjustments to ensure long-term financial security.

Conclusion
Transitioning into retirement signifies a new chapter filled with opportunities for growth, exploration, and fulfillment. By strategically allocating your savings across income-generating assets, embracing tax-efficient strategies, and seeking professional guidance, you can embark on this journey with confidence and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 25, 2024Hindi
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Money
Sir I am currently a student working as pg resident in government college l. My monthly stipend is 70000 of which I want to use 60000 in investment for upcoming future. I want to continue doing it for 3 years and if I get help from yours kind suggestion I will continue to do so. Humbly request you to guide me sir ????????
Ans: Nurturing Financial Growth During Your PG Residency
Your proactive approach towards investing while pursuing your postgraduate residency is commendable and reflects a keen awareness of the importance of financial planning. Let's chart a course to maximize the growth potential of your stipend over the next three years, empowering you to achieve your future aspirations.

Establishing Clear Financial Goals
Before embarking on your investment journey, it's essential to define your financial goals and aspirations. Whether it's building a corpus for further education, purchasing a home, or securing your financial future, clarity in objectives will steer your investment strategy.

Embracing a Systematic Approach
With a monthly stipend of 70,000 INR and a commitment to invest 60,000 INR, adopting a systematic investment plan (SIP) can be instrumental in channeling your funds towards wealth creation. By allocating a fixed portion of your stipend to investments each month, you cultivate a disciplined savings habit conducive to long-term financial growth.

Leveraging Diverse Investment Avenues
Diversification is key to mitigating risk and optimizing returns. Consider allocating your investment across a mix of asset classes such as equities, mutual funds, fixed deposits, and potentially, tax-saving instruments like Equity Linked Savings Schemes (ELSS) to maximize tax benefits.

Harnessing the Power of Compounding
Given your three-year investment horizon, harnessing the power of compounding becomes pivotal. By starting early and consistently reinvesting returns, you amplify the growth potential of your investment portfolio, laying a robust foundation for future financial endeavors.

Remaining Adaptive and Informed
As a student juggling academic commitments and professional responsibilities, staying informed about market trends and investment opportunities may seem daunting. However, leveraging reputable financial resources, seeking guidance from mentors, or consulting a Certified Financial Planner can provide invaluable insights to navigate the complex financial landscape effectively.

Cultivating a Long-Term Perspective
While it's natural to be drawn towards short-term gains, maintaining a long-term perspective is paramount in wealth creation. Stay focused on your financial goals, resist the temptation of impulsive decisions, and remain steadfast in your commitment to the investment journey.

Conclusion
Your dedication to investing a significant portion of your stipend towards securing your financial future exemplifies prudence and foresight. By adhering to a systematic investment plan, diversifying across asset classes, and embracing a long-term mindset, you're well-positioned to realize your aspirations and pave the way for a financially secure tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

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How can I create 5 crore amount With minimum investment and where to invest? My age is 38
Ans: Strategizing to Attain a 5 Crore Corpus
Your ambition to accumulate a substantial corpus of 5 crores is both ambitious and commendable, especially considering your current age of 38. Let's devise a prudent plan to achieve this financial milestone while ensuring minimal investment and optimal returns.

Understanding Your Financial Landscape
Before diving into investment avenues, it's essential to assess your current financial standing, including income, expenses, existing investments, and risk tolerance. This holistic evaluation forms the bedrock of an effective wealth-building strategy.

Leveraging the Power of Compounding
Given your age, harnessing the power of compounding becomes paramount. By investing early and consistently, you can capitalize on the exponential growth potential of your investments over time.

Exploring High-Yield Investment Options
While seeking minimal investment avenues, it's crucial to identify options offering high growth potential. Equities, particularly diversified mutual funds, have historically outperformed other asset classes over the long term, making them an attractive choice for wealth creation.

Embracing Systematic Investment Planning (SIP)
Systematic Investment Planning (SIP) enables you to invest small amounts regularly, mitigating the need for significant upfront investments. By committing to a disciplined SIP approach, you can gradually build your investment portfolio while benefiting from rupee cost averaging.

Consideration of Risk Appetite
While pursuing aggressive growth targets, it's imperative to align your investment strategy with your risk appetite. Opt for a balanced mix of equity and debt instruments based on your risk tolerance, ensuring a diversified portfolio that withstands market volatility.

Harnessing Tax-Efficient Investment Vehicles
Maximizing tax-efficient investment avenues such as Equity Linked Savings Schemes (ELSS), which offer tax benefits under Section 80C of the Income Tax Act, can bolster your wealth accumulation journey while minimizing tax outflows.

Seeking Professional Guidance
As a Certified Financial Planner, I advocate for seeking professional guidance to tailor an investment plan suited to your financial goals and risk profile. A comprehensive financial advisor can provide personalized insights and recommendations aligned with your aspirations.

Conclusion
In conclusion, achieving a 5 crore corpus demands a combination of strategic planning, disciplined investing, and prudent risk management. By embracing a holistic approach and leveraging suitable investment avenues, you can chart a path towards realizing your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

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Hi sir, I am 35 years old unmarried . I earns 40000 per month (very secure job) . I already invested in small cap, mid cap fund mutual funds since march 2020 at the time of market low. Now my corpus is 12.5 lakhs. My current XIRR is 31.7%. Now i planed My monthly SIP is 25000 coming months. How many years i wair to achieve 1 crore corpus.
Ans: Crafting a Path to a 1 Crore Corpus
Achieving a significant financial milestone like a 1 crore corpus is indeed a commendable goal, and your proactive approach towards investing is admirable. Let's delve into a strategic plan to realize this objective:

Assessing Your Current Standing
Your current investment journey reflects a prudent decision to capitalize on market opportunities during the low phase, resulting in a commendable XIRR of 31.7%. This demonstrates your astute investment acumen and the potential for wealth accumulation.

Setting Realistic Expectations
While the allure of a 1 crore corpus is enticing, it's crucial to set realistic expectations considering your current income, investment contributions, and market conditions. With a monthly SIP of 25,000 INR, you're taking significant steps towards your financial goal.

Estimating Time Horizon
Given your current investment trajectory and assuming a moderate growth rate, achieving a 1 crore corpus can be estimated. However, it's essential to consider various factors such as market volatility, economic fluctuations, and personal financial commitments.

Mapping the Journey Ahead
Your commitment to increasing your SIP amount showcases your determination to expedite wealth accumulation. By consistently contributing to your investment portfolio and leveraging market opportunities, you're positioning yourself for long-term financial success.

Monitoring and Adaptation
As a Certified Financial Planner, I recommend maintaining a vigilant eye on your investment portfolio's performance and making necessary adjustments along the way. Regular reviews and portfolio rebalancing ensure alignment with your financial objectives and risk tolerance.

Conclusion
In conclusion, your proactive investment approach, coupled with disciplined savings habits, lays a solid foundation for achieving your financial aspirations. With perseverance, patience, and strategic planning, attaining a 1 crore corpus is within reach.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 28, 2024Hindi
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Sir I am 26 years old. Currently my investment holdings are 6.94 lacs in Mutual funds, 11.13 lacs in Stocks which I have bought through self research and smallcase, 1.42 lacs of SGB, 23 lacs of fixed deposit, 8.51 lacs of PPF, 7.95 lacs in NPS (Aggressive investing) and around 3 lacs savings. I have a monthly SIP of 32k in MFs namely Quant Small Cap, Tata small Cap, Quant Multi Asset, Parag Parikh flexi cap, Canara Robecco Flexicap, Canara Robecco emerging Equities, Sbi Mid Cap and Invesco Midcap. And Sip of 12k in Growth and Income smallcase. Apart from that I regularly self buy stocks and SGBs when I do my research in a particular company and when the time of gold is low. Please guide me how do I make 100 cr by the age of 60.
Ans: It seems like you're already off to a good start with a diverse portfolio across various investment avenues. To reach a goal of 100 crores by the age of 60, you'll need consistent and disciplined investing along with smart financial planning. Here's a general roadmap you could consider:

Review and Optimize: Regularly review your investment portfolio to ensure it aligns with your financial goals, risk tolerance, and market conditions. Optimize your holdings based on performance, changing market trends, and your evolving financial situation.

Increase Savings and Investments: Look for opportunities to increase your savings rate and investment contributions over time. As your income grows, allocate a portion of it towards investments to accelerate wealth accumulation.

Diversification: Maintain a balanced and diversified portfolio across asset classes such as equities, fixed income, real estate, and alternative investments. This helps spread risk and capture growth opportunities in different market conditions.

Long-Term Perspective: Adopt a long-term investment approach and avoid making impulsive decisions based on short-term market fluctuations. Stay focused on your financial goals and remain patient during market downturns.

Tax Planning: Efficient tax planning can significantly enhance your investment returns over the long term. Utilize tax-saving investment options such as ELSS (Equity Linked Savings Scheme), PPF (Public Provident Fund), NPS (National Pension System), and tax-saving FDs to minimize tax outflows.

Professional Advice: Consider seeking advice from a qualified financial advisor or planner who can help you create a customized financial plan tailored to your goals, risk profile, and investment horizon.

Continuous Learning: Stay updated with the latest developments in the financial markets and investment strategies. Continuous learning will enable you to make informed decisions and adapt to changing market dynamics effectively.

Regular Monitoring: Monitor the performance of your investments regularly and make necessary adjustments as per your financial objectives and market conditions. Rebalance your portfolio periodically to maintain the desired asset allocation.

Optimize Expenses: Minimize unnecessary expenses and optimize your investment costs by choosing low-cost investment products and avoiding unnecessary transaction fees.

Emergency Fund: Ensure you have an adequate emergency fund equivalent to 6-12 months of living expenses in a liquid and easily accessible account to cover unforeseen financial setbacks.

Remember, achieving a target of 100 crores requires dedication, patience, and disciplined investing over the long term. Keep track of your progress periodically and make adjustments to your financial plan as needed to stay on course towards your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 28, 2024Hindi
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I am 55 years old. Will retire in 5 years. I have a corpus of 40 Lacs in PF, LIC about 80 Lacs (Maturity Value), FD/MF about 25 Lacs. Do not have any major loans. Only some credit card Short Term EMIs are running. Major liability is kid’s higher education and marriage. What corpus do I need to have a monthly income of Rs 100000 after retirement?
Ans: Planning for Retirement and Future Financial Needs

Greetings! It’s great that you’re planning for a secure retirement and your children's future. Let's evaluate your current financial situation and determine how to achieve a monthly income of ?1,00,000 post-retirement.

Current Financial Situation
Age: 55 years
Time to Retirement: 5 years
Corpus:
Provident Fund (PF): ?40 lakhs
LIC Maturity Value: ?80 lakhs
FD/Mutual Funds: ?25 lakhs
Total Corpus: ?1.45 crores
Liabilities: Kid’s higher education and marriage, short-term credit card EMIs
Retirement Goals
Monthly Income Post-Retirement: ?1,00,000
Estimating Required Retirement Corpus
To estimate the required corpus, we need to consider the following factors:

Life Expectancy: Assume you need income for 30 years post-retirement.
Inflation Rate: Assume an inflation rate of 6% per annum.
Return on Investments: Assume a post-retirement return of 8% per annum.
Calculating the Corpus Needed
To achieve a monthly income of ?1,00,000, considering inflation and a safe withdrawal rate, the formula used is based on the annuity principle.

Annual Income Needed: ?1,00,000 x 12 = ?12,00,000
Inflation-Adjusted Withdrawal Rate: 4% (a conservative withdrawal rate to ensure sustainability)
Using the 4% rule, the required corpus is: 3 Crores.

Current Corpus and Shortfall
Current Total Corpus: ?1.45 crores
Required Corpus: ?3 crores
Shortfall: ?3 crores - ?1.45 crores = ?1.55 crores
Strategies to Bridge the Gap
1. Maximize Existing Investments
Provident Fund (PF): ?40 lakhs

Continue contributions to maximize maturity value.
LIC Maturity Value: ?80 lakhs

Ensure policies are maintained and maturity benefits are maximized.
FD/Mutual Funds: ?25 lakhs

Review mutual fund performance. Consider shifting underperforming funds to high-performing equity or balanced funds.
2. Additional Investments
Equity Mutual Funds:

Continue or increase SIPs in equity mutual funds to maximize growth. Equity funds have the potential to offer higher returns, crucial for building the required corpus in the next 5 years.
Balanced Advantage Funds:

Invest in balanced advantage funds for a mix of equity and debt exposure. These funds adjust based on market conditions, offering a balanced risk-return profile.
Public Provident Fund (PPF):

Maximize PPF contributions for safe, tax-free returns.
3. Reducing Liabilities
Pay off short-term credit card EMIs to reduce interest burdens. Focus on being debt-free by retirement.
4. Children’s Education and Marriage Planning
Separate Savings:

Create separate funds for your children's education and marriage. This ensures these major expenses are covered without impacting your retirement corpus.
Post-Retirement Investment Strategy
Upon retirement, invest your corpus in a mix of safe and growth-oriented instruments to ensure sustainability and regular income.

Senior Citizens' Saving Scheme (SCSS):

Invest in SCSS for secure, regular income with good interest rates.
Monthly Income Plans (MIPs):

Consider MIPs from mutual funds for regular income with some equity exposure.
Systematic Withdrawal Plan (SWP):

Use SWPs from mutual funds to provide a steady monthly income while keeping the corpus invested.
Conclusion
To achieve a monthly income of ?1,00,000 post-retirement, you need to accumulate a corpus of ?3 crores. With your current savings of ?1.45 crores, focus on maximizing returns through equity and balanced funds, reducing liabilities, and ensuring separate funds for your children’s education and marriage. Consulting a Certified Financial Planner (CFP) can provide personalized guidance and ensure your investment strategy aligns with your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2419 Answers  |Ask -

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

Asked by Anonymous - Apr 29, 2024Hindi
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Hi sir I am 42 year old and have a lumpsum amount of 40lakh to invest but have no idea where to invest. Currently paying 22500 monthly sip in mutual fund. I am thinking of investing in property(land) or SWP or pension plan. Kindly guide me to choose right option or you have any other option which fruitful for me. My goal is to save money for my child's higher education and after retirement life.
Ans: Strategic Investment Planning for Long-Term Goals

Greetings! It’s great to see your proactive approach to investing for your child’s higher education and your retirement. Let's evaluate your current situation and explore the best options for investing your ?40 lakh lump sum amount.

Current Financial Situation
Age: 42 years
Lump Sum Amount: ?40 lakh
Existing SIP: ?22,500 per month in mutual funds
Goals:
Child’s Higher Education
Retirement Planning
Investment Options Analysis
1. Real Estate (Land)
Investing in property, especially land, can be lucrative but also comes with challenges such as liquidity issues, market fluctuations, and maintenance costs. Real estate investments require significant capital and may not provide regular income or ease of access when needed for education or retirement.

2. Systematic Withdrawal Plan (SWP)
An SWP from mutual funds can provide regular income, ideal for retirement. It allows you to withdraw a fixed amount periodically while keeping the rest invested. However, this might not be the best choice for maximizing growth for future education expenses.

3. Pension Plan
Pension plans provide regular income post-retirement but often come with lower returns compared to mutual funds. They are less flexible and can have higher costs.

Recommended Investment Strategy
Given your goals, a diversified approach combining equity, debt, and balanced funds can provide growth, stability, and flexibility.

1. Equity Mutual Funds
Equity mutual funds offer high growth potential, essential for long-term goals like education and retirement.

Allocation: Invest 60% of your lump sum (?24 lakh) in a mix of large-cap, mid-cap, and multi-cap funds. Large-cap funds offer stability, while mid-cap and multi-cap funds provide growth potential.
2. Debt Mutual Funds
Debt funds provide stability and lower volatility, preserving capital and offering steady returns.

Allocation: Invest 20% of your lump sum (?8 lakh) in debt mutual funds. Include short-term, long-term, and corporate bond funds for diversification.
3. Balanced Advantage Funds
Balanced advantage funds dynamically adjust their equity and debt allocation based on market conditions, providing a balanced risk-return profile.

Allocation: Invest 20% of your lump sum (?8 lakh) in balanced advantage funds. These funds offer stability with the potential for growth and are suitable for medium to long-term goals.
Systematic Investment Plan (SIP)
Continue your existing SIPs of ?22,500 per month in equity mutual funds. Consider increasing your SIP amount as your income grows to enhance your corpus over time.

Setting Up a Systematic Withdrawal Plan (SWP)
As you approach retirement, you can set up an SWP from your mutual fund investments. This provides regular income while keeping your corpus invested and growing.

Strategic Rebalancing
Regularly review and rebalance your portfolio to maintain the desired asset allocation. This helps manage risk and aligns your investments with your financial goals.

Benefits of This Approach
Diversification: Combining equity, debt, and balanced funds provides a diversified portfolio, reducing risk and enhancing returns.
Flexibility: Mutual funds offer flexibility in terms of liquidity and adjusting your investment strategy as your financial situation changes.
Professional Management: Actively managed funds with professional oversight can outperform passive investments, particularly in dynamic markets.
Consulting a Certified Financial Planner
Regularly consult a Certified Financial Planner (CFP) to tailor your investments to your specific needs. A CFP can provide personalized advice, ensure tax efficiency, and adjust your strategy based on market conditions and your evolving financial goals.

Conclusion
Investing your ?40 lakh lump sum in a diversified mix of equity, debt, and balanced funds, along with continuing and potentially increasing your SIPs, will help you achieve your long-term goals of funding your child's higher education and securing a comfortable retirement. Regular portfolio reviews and rebalancing, guided by a CFP, will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

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

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