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

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Aug 29, 2023

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Asked by Anonymous - Aug 28, 2023Hindi
Listen
Relationship

Hi I am Anuj. I did everything for my wife. but she was under the influence of her mother left me and now filed a wrong complain in the court. tell me how can I came out and is this really advisable to stay with her again after the 3 years.

Ans: You need a lawyer to address the court complaint; if it is without merit then you don’t need to worry about it. Have you tried talking to her directly; someone influencing her is no excuse. She is an adult at the end of the day and knows right from wrong. And where does the question of staying with her arise if such is the current situation?

You may like to see similar questions and answers below

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

Listen
Relationship
Dear AnuWe got married in December 2015. It was love marriage arranged by our parents.From the first day of marriage my spouse started irritating me. But I love her from the bottom of my heart.She always disrespects my parents but they also didn't say a single word because they don’t want any dispute in our relationship.In July 2017, she forced us to shift to a new home. She’s always fighting with everyone in office, in train and in our society also.I told her to work on her anger otherwise some day we will lose our relationship.From 2017 to Nov 2021 I tried very hard to save my relationship with her but she never understood my love.At the end of 2021 I left my home. There are many complaints register by her in the police station, she harassed me and my family members.Now the divorce case is going on (don't know how many more days it will be)But what is my fault?I loved her truly.Why did she do this to me?How should I manage my life? I can't concentrate anywhere.Every day I am in tears.I want to keep this confidential.Thank you very much in advance.RegardsLR
Ans:

Dear LR,

What happened is beyond my comprehension.

Any relationship crumbles due to the weight of ego and misunderstandings.

Only the two of you will know what, why and how this happened. No point going behind this as all you will end up with is more resentment and sadness which isn’t going to help you anyway.

Divorce cases can go on for years if not settled mutually and amicably. So, it is quite possible that this might drag on.

What you need is resilience to put up a strong fight against all the cases registered against you and your family members.

Hire a good lawyer who understands the case not just as an ordinary one as cases against the husband and his family can be quite serious in a divorce situation.

In the meantime, you need to clear your mind to be less anxious and more productive.

I believe in changing the present for a better future rather than digging the past and robbing oneself of their peace of mind.

So,

  • Get deep into work and give it your all
  • Join a gym or anything that is a workout for the body
  • Indulge in a hobby that calm down the mind
  • Find joy in simple happenings
  • Express gratitude for everything and anything
  • Journal your thoughts and feelings daily
  • Spend a lot of time with Nature
  • Be with people who help you stand tall

Mind and body work in tandem and keeping both in the best condition is what is going to help you tide over this challenging phase.

Respect this and create a regimen of the above. It works. And be resilient and know that there is light at the end of the tunnel and so focus on believing in that.

All the best!

..Read more

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2023

Listen
Relationship
Hi Anu, I am 44 years old man and I have unsuccessful married life as my wife didn't like be in the relationship with me within 7 months of our marriage. We married in the year 2013 and she annulled me in the year 2014. She is hyper sentimental and egoistic. She only loves money and her parents. We had exchanged some words (just like it happens in every married life). I tried to make her understand that if she don't get a job I will support her so that she can get a job. But she didn't pay attention to my request. She filed Mat suite for divorce with false allegations and I have filed a restitution of conjugal right case . She lost her divorce case and I won the RCR case. But despite magistrate order and my request she didn't turn up and filed 498A, DV Act and 125 CrPC tagging most my relatives with false evidences two years back. I fought all cases and during this time I lost my father. However again she lost DV case and Supreme Court ordered lower court to discharge everyone if they do not found us guilty as we have sufficient proof. Her lawyer started taking tricks by requesting for short span for each hearing date. As my mother's health is not well and I leave in South India, it was difficult for me to attend every hearing date. So, I decided to give up and signed the divorce petition on mutual consent. I tried my best to bring her back, but I failed. Everyone is asking to start the life in new way, but I am really shocked and in trauma of the mental torture and harassment. I am thinking that is it good start the life again in this age ? Will the new life partner take similar steps to harass me again ? Please advice.
Ans: Dear Sanju,
I can only imagine the unrest that you must be feeling right now.
Regarding your question on mental torture and harassment; I do understand how unnerving it must be for you to wake up every morning and stare at the harsh reality of what it is for you. Nevertheless, beaten down but not yet given up is something you must always remember.
It is natural to think that history repeats itself; but you cannot assume that the next person you meet will be the same. Do not enter into a relationship or marriage with this assumption; what might tend to happen is that you will hold yourself back and your partner will always feel that you are being distant from them.

Do understand that the context of marriage is the same, but the persons in question are different. It's like saying: I failed in Math, so Math is a bad subject and I will always fail! Get a hang of what I am referring to?

Take some time off to heal and be at peace and remind yourself that you deserve happiness and marriage form of a beautiful relationship that can make you happy. For now, tell 'everyone' who is asking you to start a new life to give you space to reflect on:
- What can I do different in the next relationship that I pursue?
- What more can I do for my partner that I didn't in the previous marriage?
- What are a few core values of mine that I want to see in my partner as well?

And no use starting a new life by thinking if your new life partner will harass you as well. Instead step in telling yourself: New relationship, new person, new thoughts, new life goals, new...The word NEW, should give your brain something NEW to chew on discarding the old.

All the best!

..Read more

Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 31, 2023

Asked by Anonymous - Oct 29, 2023Hindi
Relationship
Hi Ma'am, I am 36 years old and got married in the year 2014. I wanted to be in a joint family but my wife does not like it from the starting days itself. My parents used to stay with me periodically but not continuously. We have 2 boy children now. During my 1st boy child naming ceremony, my wife's family created issues and threatened me and my mother with bad words and forced for a separate family which i never agreed. After that issue, my wife never returned to my matrimonial home. After lot of efforts from my relatives, we joined back again. But the personal vengeance of my wife on my parents still continued. She used to misbehave with them some times like not listening to my mother's words and she never used to help my mother on all the house hold activities. My mother used to take care of all the household works. In the mean time we are blessed with 2nd boy. She stayed in my house during her second pregnancy, her preganancy well assisted by my mother and me both financially and emotionally. But i used to tell my wife to do very small houshold activities to make her physically well fit for her normal delivery but she took that suggession in a wring way and considered it as a torcher. During her ninth month of her pregnancy she went to her parents house to write a competitive exam but never returned back instead she continued to stay there and returning back to my home. So it has been more than two years now that she left me. During this time, i visited for her birthday, her father died, me and my parents visited his funeral, i visited my sons birthday. So i almost did all my efforts to bring back her to my home but she refused all my chances. So I filed a divorce case since i dont have any hope in my marriage life anymore. But i wanted to live with her since we have two children. Any suggestions/advices please.
Ans: I understand the complex and challenging situation you're facing in your marriage. It's clear that there have been significant conflicts and misunderstandings between you and your wife, and you've made attempts to resolve them. Here are some thoughts and advice from a counseling perspective:

Open Communication: Effective and empathetic communication is crucial. Encourage both you and your wife to express your feelings and concerns in a safe and non-confrontational manner. A counselor can help facilitate these discussions and ensure that both parties have a chance to be heard.
Professional Counseling: Seeking the help of a qualified marriage counselor or therapist is highly recommended. A counselor can provide a neutral perspective, offer strategies for conflict resolution, and help you both explore the underlying issues in your relationship.
Child-Centered Approach: As you have children, it's vital to prioritize their well-being. Regardless of the outcome, work together on a co-parenting plan that focuses on their emotional and psychological needs. A counselor can assist in creating a plan that ensures your children's stability and happiness.
Understanding and Empathy: Try to understand each other's perspectives, feelings, and needs. There seems to be a lack of understanding between you and your wife, and it's important to build empathy and find common ground.
Legal Matters: Consult with a family lawyer to fully understand your rights, responsibilities, and potential outcomes regarding divorce, child custody, and financial matters. It's crucial to be well-informed about the legal implications of your decisions.
Reconciliation Efforts: If both you and your wife are open to the possibility of reconciliation, be prepared for a long and challenging process. It will require time, patience, and a willingness to address the root causes of your issues.
Understanding: Try to understand your wife's perspective and feelings, and encourage her to understand yours. Misunderstandings can often lead to conflicts, and gaining insight into each other's point of view can be a first step toward resolution.
Co-parenting: Regardless of the outcome of your marriage, your focus should be on the well-being of your children. It's essential to develop a co-parenting plan that prioritizes their needs and stability. Self-Care: Take care of your own well-being. Navigating these difficult circumstances can be emotionally and mentally taxing, so ensure you maintain your own emotional and mental health.
Reflect on Your Expectations: Take time to reflect on your expectations regarding family arrangements and what you're willing to compromise on. It may be necessary to find a middle ground between your desire for a joint family and your wife's preference for a separate one.

Remember that the decision to reconcile or proceed with the divorce should be made with the well-being of both you and your wife, as well as your children, in mind. Professional counseling and mediation can provide the support and tools you need to navigate this challenging situation. Whether the ultimate goal is reconciliation or an amicable separation, the involvement of a qualified therapist can be instrumental in moving forward in a healthy and constructive way.

..Read more

Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2023

Asked by Anonymous - Dec 13, 2023Hindi
Listen
Relationship
I am married for 23 years .Both me & my wife are doing job.I have one son staying with me. After 17 years of marriage I inquired that my wife has sexual relationship with another man . This has hurt me a lot as she betrayed me . As a result she gave no attention to me , my son and my parents . When I got this information , my wife left my house taking hand loan from neighbors . I never lodged any complain with police or file divorce case , rather I took it challenging. I took proper care of my son .Due to hard work & logistic support from me , my son qualified in NEET & continuing MBBS in Govt. college.As my son has grown up & knows the actual fact ,he dislikes his mother & has no contact with her since long.Gradually we have started forgetting her. After 6 years of staying outside , now my wife is trying to come back again forcefully which we do not want. Therefore I request that please advice me what to do.
Ans: I'm sorry to hear about the challenging situation you've been through. It's understandable that trust has been broken, and emotions must be complex. It's important to prioritize your own well-being and that of your son during this time. If you feel comfortable, have an open and honest conversation with your wife about the reasons for her return. It's crucial to express your feelings and concerns. It might be helpful to involve a neutral third party, such as a counselor or mediator, to facilitate the conversation. If she continues to pursue a return against your wishes, you may want to consult with a legal professional to understand your options and rights. Given the complexity of your situation, it might be beneficial to seek legal advice to understand your rights and responsibilities. A lawyer can help you explore options and provide guidance on how to proceed. Take into account the well-being and feelings of your son in any decision-making process. His opinion and comfort level should be considered, especially if he has chosen not to maintain contact with his mother. Decisions made under emotional stress might not be the best ones. Give yourself time to reflect, assess the situation, and decide what is in the best interest of you and your son Ultimately, the decision of whether to allow your wife back into your lives is a personal one. Consider what is in the best interests of you and your son, taking into account your own well-being and the well-being of your family.

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.
Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

...Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

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

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x