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Ravi

Ravi Mittal  |659 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 09, 2024

Ravi Mittal is an expert on dating and relationships.
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Priya Question by Priya on Oct 08, 2024
Relationship

I want to know that I know I don't feel for him at all right now. But I do want him happy. He has been part of my life since like ever. Is it possible for me to love him and get things back on track after marriage? Can I go ahead with that hope?

Ans: Dear Anonymous,
He has been a part of your life forever, and it is only natural that you want him to be happy. But do you think he will be genuinely happy with someone who is actually in love with another guy? Is that what he deserves?

I am not asking you to make a decision right away. I just want you to think this through. It is difficult to say if things will fall back into place once you get married- it might, or you might force yourself to make things fall back into place because that's what's expected of you. If you are ready to make that gamble, then go ahead. Or else, take a beat. Discuss the matter with your current partner and sort it out together.

Best Wishes.

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Anu

Anu Krishna  |1705 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

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Relationship
Hi Anu, I am a married 27 yr old girl pursuing my medical PG degree in a college and my husband is also fellow doctor residing in another city. I stay in a hostel and I was in a relationship with a guy during my UG days. Actually he used to be my best friend. We are a gang of 4 and no one knows about my relationship except us both. We moved on due to caste issues and foreseeing the problems after marriage in our families. We are in touch with each other. He got PG degree in my college and seeing him is haunting my memories though we talk casually and not on regular basis. My husband knows about us and asked me to avoid him. But I can't give up on my friendship. Can a friendship aged in love not be reverted to friendship?
Ans:

Dear DR,

Feelings aren’t something that can be set aside that easily.

To lead a different relationship than the one that you were in with the same person requires a lot of emotional maturity from both of you to make this real and honest.

If you look at it from the point of view of your husband, he might either be insecure about this, or he can foresee a situation up ahead which might not be very pleasant.

You have mentioned that seeing him is bringing back memories.

Are you really ready to maintain a friendship without the feelings coming in the way? Are you ready to manage what this might do to your husband?

If you are ready and be objective about all of this, then first sit your husband down and talk to him and his fears.

Reassure him but like any relationship, all this requires a lot of work and then it’s also time to ask yourself, is this all worth it and do I really need to do this?

Also, is the other person from your past, also willing to understand that this requires him to put your marriage above his needs?

So, check with yourself what and how much you can handle and whether you are ready for this new challenge?

Best wishes!

..Read more

Anu

Anu Krishna  |1705 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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Relationship
I have been in a relationship for 12 years when I married the man I love. It is now 6 years of marriage and we have a kid. When I was pregnant my husband was in a relationship with another woman. When my kid was 2.5 years old I came know about the relationship and I am destroyed. My husband asked me not to leave him and since I didn't get any support from my family I stayed. Now I am still not able to overcome the situation. I know he doesn't love me though he says he does. I don't know why I am with him, he is trying to maintain our relation but there is nothing like before. I don't feel the same way. I even don't know whether I still love him or not.
Ans: Dear RGI am going to assume that you want the marriage to work and my suggestions below are based on this assumption.

It's time to get an independent person involved who will help in giving an impersonal view. This could be an elder member of the family or a Marriage Therapist.

What this person will help with is reevaluate your marriage, put things into perspective, clarify all your doubts.

Obviously, you have your doubts on whether he loves you or not after being cheated upon! But no amount of asking is going to convince you…that’s why it’s imperative for both of you involve a person who can guide you through this process of rebuilding your marriage in trust and love.

In the meantime, what I might suggest for you is: Remind yourself everyday as to why you married him and what he has brought forth to your life.

This helps you be in a sane space on a daily basis which also help you care for the toddler who needs a lot of care and love as well.

Spend time with friends that don’t just gossip and bad-mouth but can genuinely nourish you; you need this nourishment now.

Pick up a hobby and indulge in it; it helps not just distract you but also give you a ‘feel-good’ emotion and makes you have little moments of joy.

Of course, after you visit the expert, the choice of continuing in the marriage or not, rests with the two of you…choose wisely.

All the best!

..Read more

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Oct 28, 2022

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Relationship
Dear Love Guru,I am 28. We had a love marriage. But I don’t love him.My parents were pushing me to marry all the time. He was my good friend.Now I feel trapped living out a lie.I love him dearly but I am not in love with him.Is it wrong to continue a marriage based on falseness.Plz help.Regards,Anonymous
Ans:

Dear Anonymous, 

How about that? A love marriage without love!

You sound fond of your husband. And yet you say you feel trapped in the marriage; what you are leaving unsaid, I think, is that you feel attraction toward someone else perhaps?

I understand your situation and I'm sorry that your parents pressured you into what was obviously a hasty decision that you have come to regret. Having said that, please know this: Even couples who fancy themselves in the throes of eternal love sometimes fall out of love and part ways. They stop getting along with each other.

Or then in other cases, the initial spark dies down, and people settle into companionship and caring. 

Don't get me wrong, it's always good to try and keep the romance alive in a marriage. But you seem to have what a lot of people are striving for -- a good relationship with someone who you get along with and do love, even if it's not the stuff of movies.

If you feel like you're unhappy, or destined to marry someone else, I say end it. If not, work on it. You can seek counselling too, to resolve your feelings about this situation.

Do remember, you could find someone else and then that new love may come with a different set of problems. You just need to figure it out, my dear. And you will, you just need to focus on what will make you happy. And if he makes you happy, don't walk away from the marriage.

..Read more

Latest Questions
Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 23, 2025Hindi
Money
My monthly income is 1.4 lakh post taxes and expenses around 30k I have MF invested at around 3.5 lacs (started investing last year). I don’t have a personal flat, house or plot but my Dad has a home loan of around 20 lacs pending which I plan to close with my savings of 1 lac per month, in around 2 years. Only after that will I start investing into my own future. I do occasionally invest around 10-15 k in mutual funds from my 30k expense. Am I thinking and planning in the right direction or is there a better route for me to follow that can help me clear my Dads loan as a gift to him and get a corpus of around 1cr at a near future.
Ans: Hi,

Amazing that you are thinking of clearing your dad's loan as a gift. But paying everything you have each month is not a wise choice.

Another best possible alternative for you would be:
- Pay 50,000 per month towards your dad's debt. Closing it will take 2 more years, but that's okay. As saving for future for yourself and family is equally important.
- Invest remaining 50,000 per month in equity mutual funds. In 5 years, you will have 42 lakhs with this investment. And when you cleear the loan, redirect entire 1 lakhs to these funds. You will get 1 crore in another 2 years.
- If you increase the investment by 10% each year, you can reach 1 crore earlier.
- There is no point in prepaying loan by 1 lakh each month. Take time and prepay it slowly.

In the end, make sure to have your emergency fund in place. Also have ample health and term insurance for yourself and family.

If you want to know the best funds to invest in, take an advisor's help. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 26, 2025Hindi
Money
Dear financial guru. I am 46 now have a small buisness which I started with 2lac loan soon after my graduation , have 2 sons age 17 and 13 my wife is 40 year she is housewife. From the first day i started savings 1. Now have a corpus of 1cr in FD in bank with monthly intrest withdrawl of 60000 per month on 7% approx This is my retirement corpus 2. Have 1 flat of around 75 lac value which i have given on rent fetching me 20000 per month rent monthly. 3 . Have a investment in 2 plots with current value of around 4 cr and 80 lac 5 living in my ancestral home so I assume it with zero value of selling. 4. PPF ac having saving of around 25 lac matured I have extended it to another 5 years 5. Lic policy of around total 30 lac maturing in around 5 years. 6. Soviener gold bond of todays value for around 12 lac 6. Buisness income around 60000-90000 per month now as now my buissnesd is down due to recession. 7. No loans to repay . No monthly emi to pay. 8. I have taken family health insurance of 25 lac which I will increase to 50 lac in wen I am 50 years. So my current income is Fd intrest 60000 Rent 20000 Buisness income 60000-90000 Total 140000 -180000 Current monthly expenses including school fees 110000 Monthly saving after expense 50000 approx Now my aim 1. Need for my sons education , as my eldor son is 17years good in studies from next year I will be needing around1 lac to 1.50 lac monthly for 4 years as he will be doing btech from good collage maybe in india or abroad. 2 . Plans are approx same for younger son cuurently in 7th will be needing same amount after 4 years for further 5 years for his studies. So need 1-2 lac monthly from next year for around 8-10 years for studies of my both son. After that I will retire and need approx same amount for my entire life. Don’t like invest in share and mutual funds always want safe investment like fd. Pls guide me , I am thinking of selling one plot of 80 lac to manage funds for both sons education exp which I need for 8 -10 years. Second plot I plan to sell wen it’s value come to around 5-6 cr in another 3-4 years from now and will buy another commercial property which will fetching me rental of around 2.5 lac monthly if I rent it to a bank .or will put entire amount in fd with monthly pay out of around 7-8%. Pls guide me if am on right track because have limited knowledge .
Ans: Hi,

You have done so good by building huge assets with your business that you started. It is a genuine worry around kid's education as its cost is rising a lot.
Taking your queries one by one.

1. Your foremost worry of not investing in stocks and mutual funds is very genuine. These come out to be risky. But for people who do not want to take any risk, there are funds as good as FD such as Balanced Funds or Hybrid Funds. As even a FD has risk - if a bank fails, your entire money would be gone in a blink of an eye and you will get only 5 lakhs by government.
So investing in mutual funds is a better option as these funds invest in a pool of stocks. Even if 1 stock fail, your 99% of the money is safe. So you can consider investing in these. Can consult an advisor for the same or reach out to me.

2. Selling one plot for kid's education - good decision. It will cover all cost for both kids and remaining amount (if any) will be for your future.

3. You can shift 70% of FD amount in hybrid mutual funds & start SWP. It comes with comparative tax benefits and better return.

4. PPF is good for you to hold for another 5 years. Continue it.

5. Choosing hybrid funds over FD will gurantee more return and security than any bank's FD.

Rest all is good. You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Money
Hi sir My age was 35years old, my husband government employee, he was 39 years old, iam freshly start investing in mutual funds Paragh flexi cap fund 6000 monthly sip Nippon india small cap fund 7200 Quant small cap fund 2000 Motilal oswal mid cap 5700 Edlewiss mid cap fund 1000 Motilal oswal nifty microcap 250 index fund 5700 Icici Prudential health care fund 1000 Sbi technology opportunities fund 1000 Sbi infrastructure fund 1000 Sbi energy opportunities fund 1000 Edlewiss us technology fund 1000 Total monthly sip 32600 of monthly rental income This portfolio for long term 20 years, how much returns expected,iam interested to aggressive behaviour.. kindly suggest how much returns expected and first 50 lakh when reaches??
Ans: Hi,

Good to know that you are serious about investing. And you are investing a very good amount for long term.
I understand your risk appetite and time horizon, but the funds you mentioned are not aligned with them.
These funds have overlapping stocks and will not fetch much for you in long run.

As your monthly SIP amount is big, it is better to talk to an advisor to invest. I will not recommend you to continue your SIPs in these funds.

If done your investments correctly, you can reach your first 50 lakhs in 7.5 years. But with current portfolio, it will take 8.5 to 9 years.

A self made portfolio is good, but when the amount is big, it is always better to consult a professional.

Hence, a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ramalingam

Ramalingam Kalirajan  |10744 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2025

Money
Is, it a good idea to buy 18k, 22k or 24k 1g and more gold coin via online rather offline. Digital gold give profits or not and what about starting investing in stock market as a beginner and what things to keep in mind?
Ans: You are thinking wisely about gold and stock investing together. This balanced approach shows financial awareness.

» Buying Physical Gold Coins

Buying online or offline both work. But check purity, hallmark, and making charges.
– 24k gold is purest for investment.
– 22k and 18k are better for jewellery, not investment.
Online platforms may add delivery or premium charges. Always buy from trusted and verified sellers.

» About Digital Gold

Digital gold is easy to buy and sell, but not SEBI regulated. So, it carries counterparty risk. If the company closes, recovery may be hard. Hence, it’s not safe for long-term holding.

» Gold Mutual Funds

Instead of physical or digital gold, gold mutual funds are safer.
– They are regulated by SEBI.
– They track gold prices closely.
– No need to store or insure gold.
– You can start with small SIP amounts.
They give better liquidity and transparency than coins or digital gold.

» Starting in Stock Market

As a beginner, start small and learn slowly. Don’t rush or follow tips blindly.
Invest through mutual funds managed by expert fund managers.
Actively managed mutual funds perform better than index funds in India because fund managers adapt to market conditions.
Focus on long-term wealth, not short-term trading.

» Key Things to Remember

– Always invest through your goal plan.
– Keep 6 months emergency fund.
– Avoid loans for investing.
– Stay disciplined with SIPs.
– Review your portfolio yearly with a Certified Financial Planner.

» Finally

Gold mutual funds can diversify your portfolio better than physical gold.
Start your stock journey step-by-step with guidance and patience.
Both can grow wealth steadily when planned right.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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

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