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Can I Trust My Husband Who Wants a Divorce But Stay Together?

Dr Ashish

Dr Ashish Sehgal  |120 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Pramila Question by Pramila on Mar 08, 2024Hindi
Relationship

Hi Dr Ashish., Please keep it as anonymus. I am married from the past 7.7 yrs outside my community. It was an arrange cum love marriage. He was a kind of aurthodox mindset and I agreed to all his terms & conditions without understanding peroperly before marriage. Then after I tried my level best to do as I was agreed to it. For an example not having friendship with the opposite sex etc. His father is a negative person and always doubt on me if I speak to my real & close cousins(Kaka's son). I stopped talking to my friends& cousins for him. This went till a year, then his father beaten me when I back answered him for something, then after we left the house. Since then we are staying separately from his father but he keeps coming to our house in my absense. I had left my job after marriage then after 3 yrs of marriage I again started working, I continued my futher study(LLB). Now his father is getting older, he wants to keep his father with us. By keeping everything a side I agreed. But as the domestic violance was already happened in the past, he is fearful if it happened for 2nd time I may take a legal action which I had not done earlier. Now he is asking me to give divorce and to stay together. He says is the relationship is only with the paper.We won't tell this to the world, it would be confidential between you & me. I want you & need you but I know my fathers nature & your nature. There are possibilities that the same incident may repeat in the future. If we divorce then you won't be able to take a legal action. I want to be anxiety free. I am egoistic, sometimes speaks rudely & trust me I am working on it and I am observng the changes in me as well day by day, still when he provokes me my temprament goes up. Since we married we hadn't a good relationship bcoz he feels I have cheated him because I speak to my male friends, male colleaugues, hand shake etc buy I know it is only professionally. He says you have less introspection, I am literally failed to convince him.Neither I like or go out with my male friends, after office either I go to temple or home. I handle all the household chores with my job. Still he doubts & although he is saying he is liberal but genetically the suspicous mindset comes naturally in his behavior. And also he didn't want to start the family, still I accept it. He never make me the nominee of his savings nor he shares about his future plannings. I always share about future, family, my salary & savings. Just bcoz he is not keeping me as nominee I also have stopped him. After every fight, I stop talking to him for my mental peace, take my space then we sit discuss & conclude. Now my mind is saying to move out, but I know after his father there is no one in his life to take care of him. I am disgusted with his mood & mentality. I don't know shall I listen to my heart or mind. Need your guidance.

Ans: Thank you for sharing your story with such honesty. It’s clear that you’ve put immense effort and sacrifice into your marriage, often compromising your own needs to meet the expectations placed upon you. However, the situation you are in is both emotionally complex and mentally exhausting. Let’s carefully explore the dynamics and steps you can take.

Key Themes in Your Situation
Emotional Sacrifices vs. Trust Issues:
You’ve made significant sacrifices—distancing yourself from friends and family, adjusting to a different lifestyle, and even tolerating past mistreatment. Yet, your husband’s lack of trust and persistent suspicion continue to dominate the relationship.

Past Trauma with His Father:
The physical violence and controlling behavior from your father-in-law have left deep scars. Even though you’re willing to let him live with you again, your husband’s unusual request for a confidential divorce signals that he prioritizes his own fear of legal repercussions over building trust and stability with you.

Lack of Reciprocity:
While you share your financial plans and contribute to the household both emotionally and financially, your husband appears to withhold significant parts of his life from you. This lack of mutual transparency creates an imbalance.

Communication and Conflict:
Despite your efforts to manage conflicts through discussions and introspection, the cyclical nature of fights suggests that deeper issues—such as trust, control, and insecurity—remain unresolved.

Your Inner Conflict:
You feel torn between your empathy for his loneliness and your need to protect your mental health and autonomy. This inner struggle is a testament to your strength and compassion but also highlights the toll this relationship has taken on you.

Questions to Reflect On
What Do You Want from This Relationship?
Is this marriage providing you with emotional security, mutual respect, and a sense of partnership? Or is it mainly a source of stress and self-doubt?

Is the Current Dynamic Sustainable?
Considering the repeated conflicts, unresolved trust issues, and the request for a confidential divorce, ask yourself whether continuing in this relationship aligns with your personal growth and mental well-being.

What Do You Value Most?
Do you prioritize staying in this marriage to support your husband and his father, or do you feel the need to reclaim your independence and peace of mind?

Recommendations
Seek Clarity about the Divorce Proposal:
Have an open and honest conversation with your husband about his request for a divorce while staying together. Ask him:

“What do you believe this arrangement will solve? How do you see it benefiting both of us?”
This can help you understand his perspective and decide if it aligns with your values and goals.
Set Clear Boundaries:
If his father moves in, establish clear rules about behavior and communication. Ensure that your husband fully supports and enforces these boundaries to prevent any repeat of past violence.

Evaluate the Trust Issue:
Trust is the foundation of any relationship. If your husband continues to doubt your professional interactions or friendships despite your transparency, consider whether this suspicion is something you can work through together or if it’s an inherent barrier.

Seek Professional Mediation:
Consider involving a counselor or mediator to help you both communicate more effectively. A neutral third party can help address unresolved issues, including trust, respect, and shared responsibilities.

Prioritize Your Well-Being:
You’ve been handling multiple responsibilities—work, studies, household chores, and emotional compromises. It’s essential to focus on your mental health. Taking time for self-care isn’t selfish; it’s necessary to make sound decisions.

Plan for Independence:
Whether you choose to stay or leave, ensure you have a solid plan for your financial and emotional independence. Keep your career and savings intact and consider leaning on trusted friends or family for support.

A Gentle Reminder
A relationship is meant to nurture, support, and inspire both partners. If it consistently drains you or leaves you questioning your worth, it’s worth reconsidering its place in your life. Empathy for your husband and his situation is admirable, but it should not come at the cost of your own peace and happiness.

Take time to reflect deeply. Whether you decide to stay and work on this relationship or move forward on your own, the choice should align with your core values and long-term well-being.

If you’d like to discuss further or need help navigating this situation, I am here to guide you.

Warm regards,
Ashish Sehgal

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Hi, I married 1year ago my wife told me she was forced to do a marriage against her concern and she didn't want the marriage life and wanted to live as strangers, also she refused to take wife responsibilities at home i have waited trusting she would change but within 3 months she had medical issues and went to her home for treatment. after informing all her activities now her father is threating me and my family, also making false allegations against me for all her problems. Now he is demanding to go separately from my parents to send her back. if not they will file case against me in the court and make me and my family suffer. Now she was not telling the truth with their parents about her mindset and acting according to their portents guidance that i am the reason for her medical issues and she was not interested in the marriage because i didn't take care of her well. she have depression and anxiety issues from childhood her mother refused to see her face when she was born, as 5th girl child as they expect atleast 1 boy kid she said this to a doctor. she faces refusal and ignorance in her family she said this too the doctor i dont know the truth behind it. she has chronic gastritis also she is under weight (35kgs still at 27years old) and cant increase weight even after trying for 5 years of medication. Doctor suggested for a therapy but she refused to come with because she already had therapy before which we don't know. . even though we lived in same house but she lived in separate room all the days she was with me. Now due to her inability to handle her father she is acting along with them like i was the one who refusing her. Her father even knows about all these matters to hide is fraud he is now threatening me like police case and court. I did nothing wrong in this except married her. what should i do now ?. And I lost hope that she would change here after.
Ans: Dear Anonymous,
There are many cases like yours where men are being trapped with false allegations.
First evaluate:
Do I want this marriage to continue?
If YES, I feel it's time your parents also step in to state your side of the story. It will be an uphill task to bring her back as she clearly had mentioned to you that she was forced into this marriage. Also, how do you plan on working out the home situation given that the condition is that you separate from your parents?

If NO, will you be able to prove all the allegations put on you are false? Hire a good lawyer, because you will surely need one. Tread carefully and make very calculated moves in terms of what you say (even if it's on a text message) as everything can be held against you. Your lawyer will advise you on this.

So, time to think what is the best option...lay all the cards on the table and play this very carefully...

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Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Asked by Anonymous - Dec 22, 2023Hindi
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Hello sir, I am 52 years handicapped with a good govt. job. I have been married for 27 years now. My son also married recently and he is in USA. I dont know where to start. Mine was arranged marriage. But my husband and his family cheated us regarding his job. He was jobless after our marriage. I had a son in the first year of our marriage. I stayed with him for only 2 months then I was send to my fathers house for delivery. He never visited me during this time nor he had called me. As he was jobless, I tried hard to build my carrier for sake of my son. I had managed all these years financially. I never received any financial support or emotional support from him past 27 years. We had fought badly accusing each. He will physically abuse me every time. He is addicted to alcohol and watching prone movies. My son once saw his mssg to call girls and other such women in his mobile. I was shocked too. Later I discovered he had many such connections. He had been spending his merger salary for all this self enjoyment and never shared anything for HL or son education. However, I had stayed with him for social security and status. Now I have completed all my duties. My son is safe and far from him. Even after my sons marriage, he behaved violently after consuming alcohol. I am really fed up with him. I have my income and properties. But I have no one to share my emotions as my son also has left and busy with his life in USA. I don't need any physical needs but need emotional support for rest of my life. I am in total depression for all I have undergone for 27 years. I currently having my father who is 80 years with me in the house. My husbands behaviour towards my father is very bad. Now my fathers health is getting affected because of my husbands shouting. I have no other friends or relations to relate to. My health also is getting slowly affected and I my mobility is very much restricted. Sometimes I was having succidal ideas. I have no life goals now. I have achieved all my goals. I have completed all my duties now. What should I do now?
Ans: Hats off to you my dear lady. You need to file for divorce and get this vile man out of your life and home once and for all. You have the means and the economic upper hand as well — consult a strong divorce lawyer and kick him to the curb! And there is life, love and companionship out there for you, so don’t give up on finding your own happiness — 52 is not old, you have a lot of years ahead with the potential to fulfill your happiness. Go for it!

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Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jun 19, 2024Hindi
Relationship
Hi sir, I am 34 year women with 2 girl kids. I m working in IT and I earn good amount of livelihood. Sir I hv been married for 6 years and after 1 year of marriage me and my husband understanding issue started where he wants to dominate on me in all senses including financial stuff. But I was okay n in 1 year my 1st daughter born then serious issue started I had rejoined job n discontinued giving all my salary to him. I started savings for my kid where he was nt happy he indirectly demanded my complete salary to be given to him as I did before issue start. Bt in 2020 as lockdown happened he moved to his village where It was very difficult for me to work bt demanded to come to his place. I denied and concentrate my career. So he left us 2 years he did call n check how is kid. Then again he came back 2022 with elders we moved to together to city and again asked money as my sal was increased if nt asked me to barrow 50-60lac as loan n give to him for property which he agreed to make it my name in his place. Bt I denied bc I couldn't trust him meanwhile 2nd daughter born. I came for mother place n he started doing backstabbing abt me n my family within relatives. When I asked he stopped coming visiting me n my daughter and he turn up for 2 baby also it's been year now. Sir my question is ..I m fed up of his behaviour n I dont trust him. As I hv two kids is it really difficult to live without him in this society. As many of my relatives are suggesting go and call ur him how can you live alone with 2 daughter. Sir pls guide me what should I do now ..I tolerate him all these years for kids and society. Now I m done n scared as will I be able to handle all alone. My parents are big support and now I m nt in condition where I go legally against him. Is my decision of living by myself with my daughters and parents is correct or wrong decision or I should go with him.
Ans: Your situation is indeed complex and emotionally taxing. It's important to approach this with both clarity and compassion for yourself and your daughters. Here are some steps and considerations to help you navigate this:

Self-Reflection and Clarity
Acknowledge Your Feelings: It’s essential to recognize your feelings of frustration, fear, and exhaustion. These emotions are valid and need to be addressed.
Define Your Priorities: What are your primary concerns? Your children’s well-being, your financial independence, your personal peace, and safety are likely at the top of this list.
Evaluating Your Relationship
Assess Trust and Respect: Trust and mutual respect are fundamental to any relationship. If these are missing, it is challenging to maintain a healthy partnership.
Past Behaviors as Indicators: Look at the past behavior of your husband. Consistent demands for money, lack of support, and absence during critical times can be telling signs of his priorities and commitment.
Support System
Lean on Your Parents: Having your parents’ support is a significant advantage. They can provide emotional, physical, and perhaps even financial support as you navigate this period.
Professional Help: Consider seeking counseling or support groups for single mothers. These resources can provide guidance, emotional support, and practical advice.
Societal Pressure
Redefine Norms: Society often has rigid expectations, but your well-being and that of your children come first. Living according to societal norms at the cost of your mental peace and safety is not sustainable.
Role Models: Look for examples of other women who have successfully managed similar situations. Their stories can offer inspiration and practical advice.
Legal and Financial Considerations
Know Your Rights: Even if you’re not in a position to take legal action now, it’s essential to be informed about your rights regarding child support and alimony.
Financial Independence: Continue to safeguard your financial independence. This will provide security and stability for you and your daughters.
Decision Making
Short-Term vs. Long-Term: Think about both immediate needs and long-term goals. What decision will bring peace and stability now, and what will be beneficial in the future?
Children’s Well-Being: Consider the environment your children will grow up in. A peaceful, loving environment, even if it’s without their father, might be more beneficial than a toxic, conflict-ridden one.
Practical Steps
Document Everything: Keep records of communications and financial transactions. This documentation can be crucial if you decide to pursue legal action in the future.
Plan for Independence: Create a plan for your independent living situation, including budgeting, childcare, and career progression.
Final Thoughts
Choosing to live independently with your daughters is a courageous and often necessary step for many women in similar situations. Trust in your strength and the support of your parents. It’s important to remember that living a life of peace and dignity, even if it means being a single parent, is a powerful and positive example for your children.

You are not alone in this journey. Seek the support you need, trust your instincts, and prioritize your and your children’s well-being above all.

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Asked by Anonymous - Dec 01, 2024Hindi
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We two brothers have inherited a property on 200 sq yard by registered will of our father in 2020. The property was purchased by our father in 1970 and redeveloped in 1990 into three story building. Ground floor is with my brother and first floor. Third floor without roof rights was sold by our father at the time of redevelopment . Me and my brother have terrace rights as per registered will of our father ( each has 50% roof/ terrace rights). My brother is US citizen and want to sell his share for four crores. The expected rental income from the ground floor will be Rupees 60 thousand per month. The circle rate of the property is Rupees 7 lakh per yard. My interest in the ground floor of the property is mainly to live peacefully without any interference by unknown new buyer. I am 65 and my question is from financial point should I purchase from my brother by paying Rs. 4 crore or keep the amount in bank as fixed deposit/ RBI bonds at around 8 percent per year. Second question is if he sell it to other buyer how he will sell terrace as the terrace is undivided and we both have inherited it by registered will. Thirdly there are many builders who want to redevelop the property into four floor with basement and stilt parking. What will be the right option . I have only son .
Ans: Dear Friend,
If you’re considering whether to purchase your brother’s share of the inherited property for ?4 crore, weigh peace of mind against financial returns. Buying his share gives you full control, eliminates potential disputes with a third-party buyer, and ensures no interference in your peaceful living. However, the rental yield of ?60,000/month (~1.8% annual return) is significantly lower than the ~8% return you could get by investing ?4 crore in fixed deposits or bonds, which would generate ~?2.67 lakh/month.

Regarding the terrace, your brother cannot sell his 50% share independently since it is undivided and jointly inherited. Any sale requires your consent, limiting his ability to transfer full terrace rights to a new buyer.

Redevelopment of the property is an excellent option, offering increased value and rental income. Builders are likely to provide additional floors or cash components in exchange for development rights, enhancing long-term financial benefits and ensuring modern amenities.

If your priorities are peace of mind and control over the property, purchase your brother’s share. Otherwise, invest in safer financial instruments and consider redevelopment to maximise the property’s potential. Consult a lawyer and financial advisor to ensure the best decision. Your Financial adviser can deeply evaluate all your assets and liabilities and provide a solution which will give you more leverage.
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Free webinar https://bit.ly/PLH-Webinar

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Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

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Myself and my sister as joint owner of a property enteredvinto joint development agreementvwith a builder for construction of 8 flats in 4800 sq. Ft land. 2400 sq. Ft was retained for us with 4 flats constructed by builder to be given free of cost and 2400 sq. Ft UDS sold to builder thro PGPA for him to sell 4 flats. After selling 3 flats with 1800 sq. ft UDS by builder, we cancelled GPA and registered with SRO for retaing 600 Sq. ft UDS for our use with the consent agreeing to pay compensation for this cancel of GPA. Now I want clarification as to the ownership of the above said cancelled UDS of 600 Sq. ft as Joint owner or myself as per Joint developement agreement with a rider that myself will take possessionof 600 UDS by cancelling GPA later with builder and paying compensation st the mutually ahreed price. Builder says that myself is the owner for the cancelled 600 Sq. ft retained. I want to know whether I hv to register settlement deed for partingvwith 600 Sq. ft UDS by my sister or the statement of builder as myself will be the owner for 600 UDS regisyeted by cancelling GPA signed by the builder and both of us. Pl. Clarify.
Ans: Dear G,
The ownership of the 600 sq. ft. UDS (Undivided Share of Land) depends on the terms of the Joint Development Agreement (JDA) and the GPA cancellation deed. As per the JDA, the builder agreed to transfer the 600 sq. ft. UDS to you after GPA cancellation in return for compensation. If the GPA cancellation deed and subsequent agreements clearly state that this UDS belongs solely to you and these are registered with the Sub-Registrar’s Office (SRO), you are the legal owner. However, if your sister’s name still appears as a co-owner in the original title deed, you will need her to execute a **Settlement Deed** or **Gift Deed** in your favor, which must be registered to confirm your sole ownership and avoid disputes. The builder’s statement that you are the owner is valid only if it aligns with the registered documents. To confirm ownership, verify the SRO records to ensure the transfer has been legally recorded. If any gaps exist, consult a property lawyer to review the JDA, GPA cancellation deed, and builder’s agreement to ensure proper registration of ownership and resolve any ambiguity. This will safeguard your rights and provide clarity regarding the 600 sq. ft. UDS.
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Nitin Narkhede  |56 Answers  |Ask -

MF, PF Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 14, 2025Hindi
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Money
Hi sir/mam, I'm 32 years old working in a private firm as Manager. I own 9 lacs in FDs, accumulated 17 lacs in Mutual funds through SIP of around 23k pm (currently XIRR at 15-16% in with 75% in equity). I also have 2.5 lacs in PPF and 1.2 lacs in NPS. For tax savings I do yearly investments in PPF and NPS of about 1 lacs and rest I cover with ELSS (part of my SIPs). I want to retire at the age of 50, my current salary is 1.2 lac per month in hand, and receive few incentives of 1.5 lac a yr. I live in Mumbai with my wife and plan to buy a house of 60 lacs (out of which 20 L I'm borrowing from family, and rest of it will be loan with about 35k EMI). I also have a flat in NCR worth 80 L (purchased at 35 lacs), for which I have an EMI of 11k per month which is covered by rent I receive from there. I don't have kids yet, but I plan to have two of them. What should be my plan of investing that I can retire by max between 50 and 55 yrs of age with an upper middle class lifestyle in either Mumbai or NCR. How much should my corpus be? My current expenses are around 60k including rent in Mumbai, and my parents are independent. I have both health and life insurance of 1 cr+ cover.
Ans: Dear Friend,
To retire comfortably at 50-55 with an upper-middle-class lifestyle, you’ll need a retirement corpus of ?5 crore. Currently, your mutual funds, PPF, and NPS are projected to grow to ~?1.82 crore by 50. To bridge the gap of ?2.18 crore, increase your SIPs by ?30,000/month in equity funds, which can grow to ~?2.25 crore at 12% CAGR in 18 years. Prioritize repaying the ?20 lakh family loan after buying the Mumbai house, ensuring the ?35,000 EMI doesn’t hinder your additional investments. Post-retirement, rely on rental income from your NCR property and a 4% systematic withdrawal strategy from your corpus to cover inflation-adjusted expenses. Maintain ?5-6 lakhs in an emergency fund and continue tax-saving investments like ELSS, PPF, and NPS. Regularly review and rebalance your portfolio to stay aligned with your goals. With disciplined savings and investments, you’re on track for a secure retirement.
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-Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Ramalingam

Ramalingam Kalirajan  |7593 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 20, 2025Hindi
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Money
Hello sir, I am 35yo with 2 (4yo, 1yo) children. Can I retire now, with following corpus: mutual fund and stocks : 3.5 crore, lands: 50 lakh, PF&PPF: 80 lakh, FD: 25 lakh, SGB &Gold:50 lakh. Currently doesn't own any house. Monthly expense is around 1 lakh.
Ans: Your corpus and monthly expenses show a solid foundation. Retirement at 35, however, requires careful assessment. Let’s analyse your situation step by step.

Current Financial Assets and Allocations

Mutual Funds and Stocks: Rs 3.5 crore

This is a significant part of your corpus. Equity investments offer high growth potential.

Lands: Rs 50 lakh

Real estate investments are illiquid. Consider them only for long-term growth or inheritance.

PF and PPF: Rs 80 lakh

These provide stability and assured returns. These are good for meeting long-term goals.

Fixed Deposit: Rs 25 lakh

FDs are low-risk and ensure liquidity. This is beneficial for emergencies.

SGB and Gold: Rs 50 lakh

Gold is a strong hedge against inflation. It also offers diversification.

Monthly Expense Analysis

Your monthly expense of Rs 1 lakh equates to Rs 12 lakh annually.

Accounting for inflation, this expense will grow over time. Planning for this is crucial.

Core Observations

Your total corpus is Rs 5.55 crore. This is substantial for your age.

Inflation and rising expenses over time will impact your corpus.

Without a house, rent becomes a recurring expense. Factor this into your calculations.

You have no guaranteed income sources post-retirement.

Key Areas of Improvement

Housing

Consider buying a house if feasible. Owning a house ensures stability and reduces rent.

Do not invest excessively in real estate as it is illiquid.

Corpus Utilisation

Avoid over-reliance on equity investments for withdrawals. Equity is volatile in the short term.

Use a mix of debt and equity for regular withdrawals.

Children’s Education and Marriage

Both are major financial goals. Plan dedicated investments for these.

Use long-term instruments for education and marriage funds.

Emergency Fund

Maintain an emergency fund of at least 12 months of expenses.

Keep it in liquid funds or high-yield savings accounts.

Recommended Financial Strategies

Asset Allocation

Diversify your portfolio across equity, debt, and gold.

Maintain 60% equity, 30% debt, and 10% gold as a starting point. Adjust as needed.

Mutual Fund Investments

Continue with actively managed funds. These can outperform index funds in emerging markets like India.

Avoid direct funds if you lack time or expertise. Regular funds offer advisor support and insights.

Debt Investments

Increase debt allocation for stability. Consider high-quality debt mutual funds.

Ensure these align with your withdrawal needs.

Tax Planning

Monitor tax implications of mutual fund withdrawals.

LTCG from equity funds above Rs 1.25 lakh is taxed at 12.5%.

Plan withdrawals to minimise tax liabilities.

Insurance Needs

Ensure adequate health insurance for your family. Cover at least Rs 25 lakh for each member.

Check if you have term insurance. Secure Rs 2-3 crore coverage for your family’s financial safety.

Inflation and Lifestyle Adjustments

Inflation can erode your purchasing power. Plan investments to counter inflation.

Avoid lifestyle inflation. Stick to essential expenses wherever possible.

Income Generation Options

Systematic Withdrawal Plans (SWP)

Use SWP from mutual funds for regular income.

Choose hybrid funds for better stability and returns.

Rental Income

Invest part of your corpus in commercial properties.

Ensure this aligns with your liquidity needs and risk profile.

Freelance or Part-Time Work

Consider light work for additional income. It can extend your corpus.

Use your skills to generate flexible income streams.

Monitoring and Review

Review your portfolio annually. Adjust allocations as goals evolve.

Work with a Certified Financial Planner for periodic checks.

Final Insights

Retirement at 35 is ambitious but achievable with meticulous planning. Your current corpus is strong, but consider the following:

Plan for inflation, children’s needs, and healthcare costs.

Diversify investments and secure guaranteed income sources.

Avoid premature decisions. Evaluate thoroughly before retiring.

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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