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Kanchan

Kanchan Rai  |600 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Nausheen Question by Nausheen on Apr 12, 2023Hindi
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My boyfriend married me last week of Feb by changing his religion only because i said it's between me and my god. Although he was married he did it now he's left me. Will he ever come back

Ans: Dear Nausheen

I'm sorry to hear that you are going through this difficult situation. It sounds like there may be some underlying issues that led to your boyfriend's sudden change in behavior. It's important to remember that relationships are built on trust, communication, and respect, and it's possible that these elements were not fully present in your relationship.

It's difficult to predict whether or not your boyfriend will come back, as every individual and situation is unique. However, it's important to take care of yourself and prioritize your own well-being during this time. You may want to consider seeking support from loved ones, a therapist, or a support group to help you navigate this challenging time.

It may also be helpful to have an open and honest conversation with your boyfriend, if possible, to gain clarity on the reasons behind his sudden departure. This can help you to better understand the situation and potentially work towards a resolution, if that is something you both desire.

Ultimately, the decision to reconcile or move on is up to you, and it's important to make choices that align with your values and priorities. Remember that you deserve to be in a healthy and fulfilling relationship, and it's possible to find that with the right person.

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Anu Krishna  |1617 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 24, 2023

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Hi, I am a 38 year n married since 7 yrs. Its a love at first sight for me & he had a severe break up before our marriage. My husband is a person of heart & philosophy. His philosophy was not to talk to opposite gender, not having male friends etc which he had clarified before marriage. As I am not good at introspection I couldn't understand the depth of his philosophy. Due to that he thought I have broken his trust by talking to other gender. I know I am talking casually without any feelings. I tried a lot to explain him but he is not ready to accept it. Now he is saying I have changed & I expect you to not break my trust again. And also he has admitted that its a genetic issue that he was a suspicious mindset like his father with whom we were staying earlier days of our marriage, We got married in a spiritual institution. Due to the struggle & pain he went through in the cult he left the cult & became an atheist & now he wants me to leave it. I am very stubborn & an independent lady, I love him but due to such forcing behavior of him, many times I have threatened him to go for a divorce. But my mind & heart doesn't allow me to separate from him & meanwhile my heart is not allowing me to leave the spiritual practice which gives me the inner peace & an ultimate happiness. Please guide. I am completely confused.
Ans: Dear Pramila,
Let's get some facts straight here:
1. Spirituality does not force any ideologies or binds you to it. So, if you feel forced by any spiritual practice, then let it go...BUT if it gives you something of value in return, by all means pursue it.

2. When your husband admitted that his mistrusting nature must be genetic, are you actually going to believe that? It's a choice that he has made to not want to trust you

3. What trust has been broken according to him? The fact that you spoke with someone of the opposite gender? For all the independence that you talk of, how free and liberated do you feel here?

Yes, i do agree it takes a moment to make the decision to break a relationship but certainly if you want to continue, you may want to reset the boundaries and use your stubborn nature to be assertive as you nurture the relationship. But do become aware that it works both ways. So if your husband is still playing the blame-game, you might want to rework how to be your own person, have your thoughts and ideas and yet be a part of the marriage. Watch his reactions and if it's still regressive, you have a lot of work to do there!

All the best!

..Read more

Love Guru

Love Guru   |213 Answers  |Ask -

Relationships Expert - Answered on Oct 24, 2024

Asked by Anonymous - Sep 16, 2024Hindi
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Relationship
I am a Hindu girl and in a relationship with a muslim guy. Our relationship was going great but suddenly my boyfriend's family is forcing him to marry in a arranged marriage. I have told him to tell about us to his family and he is trying to but hasn't said yet. But due to his family pressure and my constant saying of marriage he gets irritated a lot. Now I'm feeling a little change in his behaviour also like he just try to skip discussion about future and marriage, also when I call him he is not talking nicely with me. I'm getting very emotional and hurt due to his behaviour. Also he has said that he will try his best to convince his family but now I'm not sure if he will take my stand or not. What to do now?
Ans: He sounds like a coward who will do as his family says. And I don’t think he intends to stick with you if they say no. Heck, I don’t think he plans on saying anything at all! If he loved you enough and had the gumption, he’d have taken a stand by now. I say drop him and move on. See what happens when you leave him; if he really does love you and want to be with you, he’ll take action. But unfortunately, from everything you’ve said here it sounds more like he’ll be relieved and go on to marry under an arrangement. If he does…don’t ever entertain any calls from him ever again. I’ve often heard of fools like him — no guts to marry the girlfriend, miserable in the arranged marriage six months to a year in, then re-establish contact with former girlfriend and have an affair, but no guts to end the marriage. In this whole scenario, it doesn’t take a genius to figure out who will be at the losing end — you! DROP HIM!

..Read more

Latest Questions
Janak

Janak Patel  |45 Answers  |Ask -

MF, PF Expert - Answered on Jun 05, 2025

Asked by Anonymous - Jun 02, 2025
Money
Hi I am 32 years old working in IT, I want to retire from IT. I have a monthly expenses of 50k, 10L in bank and 12L in stocks. My question is: 1) what is the corpus amount to meet my monthly expenses? (Generate a revenue to cover my monthly expenses while corpus being invested in FD. considering inflation, and with the life expectancy 70 years) 2) at what age I can safely retire?
Ans: Hi,

Your current savings/investment of 22L will support your expenses for only a few years at this time.

Today if you wish to retire, you will need over 2 crores in FD earning 7% returns to last for your life expectancy of 70 years.

I recommend you focus on saving and investing across different asset classes to maximize your corpus over time. Different asset classes like equity, debt, gold etc can provide you well diversified option to generate wealth and provide stability and liquidity.

FDs are a safe option but its safety net if not going to cover your whole corpus if the bank fails.

Understand the potential, risk and returns of different asset classes and considering the long time period you have, you can save over the next 10-15 years and then plan retirement once your retirement corpus is accumulated.
Mutual funds are a good option to consider as they cover few asset classes and are easy to manage and track.

The retirement corpus depends on the time period post retirement and the expense you plan to cover from it. Accumulating that corpus also needs a plan and commitment to save/invest on a regular basis.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Ramalingam

Ramalingam Kalirajan  |8859 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 05, 2025

Asked by Anonymous - Jun 05, 2025
Money
I am a retired person age 63. I need financial assistance as to how to use my funds. I have sold an property in July 2024 and kept an amount of Rs. 35L in capital gain account. As per inflation rate calculation, I have sold this properly in loss and there should be no tax deduction. Can I withdraw this fund and use in some other means Please advice. I have other savings. Approx. 34L are there in MF, I have a monthly SIP of Rs.16K. I have a PPF savings of Rs. 28L. I have approx. 7L in SB account. I have a LIC policy for which I shall get a lumpsum amount of approx. 12L in 2028. I have a plan to purchase a property in Delhi for Rs. 90L-1Cr. I also need some monthly income for monthly expenses. Please advice how I can use these funds for better benefits etc. and a monthly return for daily hope expenses.
Ans: You have built a respectable portfolio post-retirement. It shows you have taken prudent decisions in the past. Now the focus should be on creating monthly income, managing risks, and making sure your funds are used wisely without stress. Let us go step-by-step to build a clear plan for you.

Capital Gains Account – What You Can and Cannot Do
You deposited Rs. 35 lakhs in a capital gains account in July 2024.

You believe the sale was at a loss after adjusting for inflation.

Capital Gain Account Scheme is meant only for buying or constructing a house.

Funds must be used within 2 years (for purchase) or 3 years (for construction).

If you don’t use the amount within the allowed time, it is treated as capital gain.

You may be taxed on it in the year when the deadline ends.

Even if you made a loss, the income tax department needs documentation to accept it.

If you wish to withdraw this money for other uses, you must close the account formally.

You must submit Form G to your bank, explaining why you want to withdraw.

If you do not use this money for property purchase, it may be taxed.

Please speak to a chartered accountant for exact tax impact before withdrawal.

Avoid using this fund until you have tax clarity and proper documentation.

Your Monthly Income Requirement – First Focus Area
As a retired person, your priority is monthly income and capital safety.

Let us assume you need Rs. 35,000–40,000 per month for living expenses.

This amount must come from interest or investment income, not from selling assets.

You currently have SIP of Rs. 16,000/month and Rs. 34 lakh in mutual funds.

You can start a Systematic Withdrawal Plan (SWP) from these mutual funds.

Start with Rs. 25,000 monthly withdrawal for the next 6–12 months.

The SIP can continue at Rs. 16,000 if cash flow allows.

Top up the balance Rs. 10,000–15,000 monthly from your savings account.

If needed, use PPF interest, which is tax-free, to manage shortfall.

Your Savings Account – Ideal Usage Strategy
Rs. 7 lakh in your savings account is good but should not stay idle.

Shift Rs. 4 lakh to a short-term debt mutual fund or liquid fund.

Keep Rs. 3 lakh as emergency fund in savings for medical or urgent needs.

Don’t keep all in one bank. Use 2 banks if needed for safety.

Mutual Funds Portfolio – Core Strategy and Monthly Income
Rs. 34 lakh in mutual funds is a strong base.

Continue with only regular plans via MFD who is also a CFP.

Avoid direct funds. They don’t provide guidance or timely review.

You need periodic rebalancing based on your retirement age and market cycle.

Use actively managed balanced advantage and hybrid funds.

These provide equity growth with stability and lower downside risk.

Withdraw using SWP from these funds to generate regular income.

Start with 4–5% annual withdrawal. Increase slowly if needed.

Avoid index funds. They just copy the market and offer no risk control.

In falling markets, actively managed funds protect capital better.

Your Certified Financial Planner can guide which funds to choose and exit.

PPF – How to Use the Rs. 28 Lakhs Safely
You have Rs. 28 lakh in PPF. It is 100% tax-free and safe.

Do not withdraw unless very urgent.

PPF earns steady interest every year without risk.

You can extend PPF in 5-year blocks with or without fresh contributions.

Use it as a reserve to support health care or large expenses.

Don’t touch this for property investment unless no other option exists.

LIC Policy – Planning the Maturity in 2028
You will receive Rs. 12 lakh in 2028.

This can be a good future buffer for medical or long-term care.

LIC returns are usually lower than mutual funds.

Once you receive the maturity, shift the amount to mutual funds.

Start a fresh SWP from this amount in 2029, if needed.

Don’t invest this lump sum again in insurance products.

Real Estate Purchase Plan – Review It Carefully
You are planning to buy a property worth Rs. 90 lakh to Rs. 1 crore.

Please think twice before locking big money in real estate.

Real estate gives zero liquidity and high maintenance cost.

Selling real estate later can be slow and stressful.

Rental income is not guaranteed and is often low compared to invested corpus.

You will be forced to withdraw from mutual funds or PPF for down payment.

This will reduce your income-generating assets.

Instead of buying, consider staying on rent.

This will keep your money free, accessible, and invested.

In case of emergency or health issues, liquid investments help more.

Buying property now will break your cash flow and lower monthly income.

Think from a cash flow view, not emotional attachment.

Suggested Investment Allocation from Available Corpus
Rs. 35 lakh: Keep in CGAS till you get tax clarity.

Rs. 34 lakh in Mutual Funds: Keep 75% in hybrid and 25% in large-cap funds.

Rs. 28 lakh PPF: Keep untouched. Extend for 5 years post-maturity.

Rs. 7 lakh in SB: Keep Rs. 3 lakh in savings. Shift Rs. 4 lakh to debt funds.

Rs. 12 lakh LIC maturity: Plan to move to mutual funds in 2028.

Emergency and Health Safety – Must for Seniors
Health costs are unpredictable.

Ensure you have a health insurance of Rs. 10–15 lakh with good hospitals covered.

Don’t depend only on savings for health expenses.

You can keep Rs. 5 lakh in liquid funds only for health emergencies.

Also keep one family member informed of your accounts and investments.

Key Investment Mistakes to Avoid at This Stage
Don’t invest in ULIPs, endowment plans, or pension-linked policies now.

Don’t go for annuity schemes. Returns are very low and taxable.

Avoid fixed deposits for long term. Interest is taxable and eroded by inflation.

Don’t follow friends’ tips or invest in trends blindly.

Do not invest based on emotions or fear of missing out.

Focus on regular monthly return and capital safety, not risky growth.

Finally
You have done well in building assets before retirement.

The next goal is to convert your assets into reliable monthly income.

Do not rush into buying real estate. Keep cash flow strong and flexible.

Focus on mutual fund-based SWP for income and keep PPF as reserve.

Use a Certified Financial Planner to manage fund review and tax planning.

Avoid unnecessary complications and risky options.

Stay invested wisely. Protect your retirement with safe, planned income.

Regular check-ins and fund reviews every 6 months will help adjust your plan.

With good planning, you can enjoy peace, safety, and dignity in retirement.

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

...Read more

Janak

Janak Patel  |45 Answers  |Ask -

MF, PF Expert - Answered on Jun 05, 2025

Money
I AM 80 YEARS OLD AND STILL WORKING AS A Consultant AND EARNING RS.1.5 LAKHS PER MONTH. I HAVE A CORPUS OF 182 LAKHS CONSISTING OF MF/ FD/ AND STOCKS. I CONTEMPLATE RETIRING IN 6 MONTHS. REQUEST PL.SUGGEST IF MY CURRENT CORPUS WILL SUFFICE UNTIL AGE OF 95. MY MONTHLY EXPENSES ARE RS.50000.00. I HAVE NO LIABILITY AND MY WIFE IS THE ONLY DEPENDENT. SELF AND WIFE ARE CO.VERED UNDER MEDICLAIM.AWAITING UR VALUED OPINION
Ans: Hi Sivaramakrishnan,

Congratulations on having an active working life at the age of 80.

For your monthly expenses of Rs 50000 and assuming an inflation of 7% over the next 15 years, you require approx. Rs 85 lakhs (today).

You already have Rs 182 lakhs (not including any further savings over the next 6 months) invested across MF/ FD/ and STOCKS.

I recommend you have a systematic withdrawal plan from your investments for your annual expenses.
Depending on how you have spread your investments, you can decide on the approach.
For MFs - its simple to do a SWP for an amount each month.
For FDs - you may need to liquidate them, so instead of breaking them, plan to use them at their maturity if its within six months of your requirement. if the maturity is long term, and you have a need then you may need to liquidate. Also check if there is an option to make them Sweep-in type FD, which means that when your account has less balance, it will move money from FD to account. Discuss with your bank on options available to you.
For Stocks - You can decide when to liquidate them. If you wish to move away from stocks, then you can consider investing in so hybrid Mutual fund schemes considering your time horizon.

Overall you will be looking to grow approx. Rs 1 crore over the next 15 years and this can grow to an amount of Rs 3 crores at 8% returns.

So your current corpus is more than sufficient and even if you increase your monthly expenses, you will have a surplus after 15 years.
Happy retirement and a healthy life ahead.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...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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