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Kanchan

Kanchan Rai  |479 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 28, 2024

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
Asked by Anonymous - Jun 28, 2024Hindi
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Relationship

Further to my previous query, my wife is still secretly talking to her ex boyfriend and chatting with him on watsapp behind my back. She is very cautious with her phone and always places it heads down and it is always locked. This is really bothering me? I dont know what to do.. our relation is good and i dont want to ask her again and confront this as she may think i am controlling her. I dont want this to continue? How can i make her stop talking to him? Please advise

Ans: First, it's important to acknowledge your feelings. It’s perfectly normal to feel uneasy and even hurt by your wife's behavior. When someone we care deeply about maintains contact with an ex in a hidden manner, it can shake our sense of security and trust. Your emotions are valid, and they deserve thoughtful consideration.

To navigate this, it’s essential to approach the situation with a focus on open communication rather than confrontation. Start by reflecting on what exactly bothers you about her communication with her ex. Is it the secrecy, the content of their conversations, or how often they’re in touch? Understanding your emotions clearly can help you articulate them better when the time comes to talk.

Choose a calm, private moment to have this conversation with your wife. It’s best to avoid bringing it up in the heat of the moment or when either of you is stressed. A peaceful setting will help you both engage more constructively. When you speak to her, try to express your feelings calmly and use “I” statements. For example, you might say, “I feel uncomfortable and uneasy when I see you being secretive with your phone because it makes me feel excluded and anxious.” This way, you’re sharing your emotions without sounding accusatory, which can help her understand your perspective without feeling attacked.

After you’ve shared your feelings, give her a chance to explain her side. There might be reasons for her behavior that you haven’t considered. Listening to her perspective can provide valuable insights and help you understand her actions better. It's crucial to approach this conversation with an open mind and a willingness to understand her viewpoint.

Discussing your boundaries and expectations regarding interactions with ex-partners can be helpful. Every relationship has different comfort levels when it comes to staying in touch with past relationships. Finding a balance that respects both of your feelings and fosters trust is important. If she acknowledges your discomfort and agrees to limit or end contact with her ex, you can work together to rebuild trust. This might involve more open communication, sharing more about each other’s day, or finding ways to reconnect emotionally.

If the issue persists or if you find it challenging to navigate this on your own, seeking help from a relationship counselor can be very beneficial. A professional can provide a neutral space to explore your concerns and work on solutions together. They can offer strategies to improve your communication and help both of you feel heard and understood.

Remember, the goal is not to control your wife’s actions but to address your discomfort and work towards a solution that strengthens your relationship. Trust and transparency are key components of a healthy partnership, and addressing these issues openly can help you both grow closer. With patience, understanding, and a willingness to listen and compromise, you can navigate this challenge together and come out stronger on the other side.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 20, 2024

Asked by Anonymous - Jun 19, 2024Hindi
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Relationship
Hi.. good evening.. i want your advise.. we are married for 6 months now and we had a arranged marriage. My mistake was not informing my wife about my past relationship which we had broken up badly and immediately after my marriage my ex girlfriend shared our pictures with my wife purposefully and she got upset with that and me and my family convinced my wife that i have broken up with her and i dont have any contact with her and it is true and i am loyal to my wife. Everthing was normal after that and 2 months passed and i observed that my wife is in regular contact with a guy on phone whom she calls friend and talks to him daily. I confronted this to her and she told that he is just her freind and he had helped her before during her difficult times. Again this continued and i asked her to stop contacting him daily and even though he is a friend what is the point in talking to him daily and she just cried telling that i am controlling her and she feels like she has no freedom and is in jail and i am not allowing her to talk to her friends. After this she limited her talks with him and seemed fine by me as it is just a friendly casual talks 2 to 3 times a week. One day she asked me reply to one of her emails and wanted to upload some file. While i went to upload i had access to her google photos and i was shell shocked to see lots of photos of her with this guy whom she calls friend and in close proximity. Also there are pictures of them dated 3 to 4 years back and also the most hurting part is the pictures of her with him after our marriage as well. She had told me that they have a college get together and reunion and she had went with him on that day and stayed overnight as well. I was literally shocked by this and confronted her immediately and then she told me that she was in relationship with him and her parents did not agree so couldnt marry him and even he also cancelled many marriage proposals because of her and she betrayed him and happily married now with me while he is still not married and she feels guilty as all this happened to him because of her and so she talks to him daily and she can only feel ok once he is married. I told her she has to stop talking to him if we want to keep this marriage.. she tells me if i leave her she is dead as even her parents wont accpet her and also he (her ex boyfriend) will not accept her and she says she has nowhere else to go.. she still cares for me though but i dont know what else to do.. she still talks to him 2 to 3 times a week... please advise how to go about this
Ans: Dear Anonymous,
Your wife was never into this marriage and it became convenient for her to pursue a link with her ex-boyfriend once she found out about your past.
Everything that she does now being justified. You are right in putting your foot down, but have you seen a favorite toy being snatched away from a child? The need for that toy only gets stronger.
The way that you can counter this is by showering her with a lot of care and attention as I do gather that the two of you want this marriage. You want it as you are in love with your wife, she wants it as she has nowhere to go. Fair enough! The reasons right now might not be the same BUT someday with much love going into the relationship, the two of you can be on the same path.

Now, the question is: Are you willing to wait and pour more into the relationship? She will waver for a while going back and forth between you and that guy; it will hurt you...There will be a lot of anger and perhaps feelings of inadequacy in you, BUT you know that it's not the case. Can you persist on this journey? I sincerely believe that somewhere along the way, she is bound to stick by you when she realizes the stability that you can offer and that the sheen out there will wear out. Possible? Are you willing? If you are, go for it...Love, care, stability, security is something that is core in any marriage...be a part of it!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1435 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2024

Asked by Anonymous - Sep 04, 2024Hindi
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Relationship
Hello, I been married for 16 years now. From last 4 years, my wife has been getting involved with a colleague of her friend. After I found out, she said she is only friends with him and promised to stop chatting with him. But I found out that she was still talking to him. When I confronted her she denied it and said I am unnecessarily doubting her, but promised to stop and block him. But its empty promise and she continues chatting him. she refuses to sleep in same room and continues talking to him late into the night. I managed to get certain screen shots of her chats but nowadays she locked her phone. Her friends were encouraging her and also playing messenger/peacemaker role when she has a tiff with him. I really dont want a divorce because it will affect my kids but seems like there is no alternative. She keeps threatening me that she will file a case against me and my family and also that I need to pay for alimony if i plan to divorce. I indirectly raised this issue with her family but she has said so many negative things about me to them that they seem to take it lightly. I am frustrated now . Please advice
Ans: Dear Anonymous,
What sort of a situation are you dealing with? Your wife chats with another man and then she is also threatening to file a case against you and your family? On what grounds?
If at all you are going to file for divorce, make sure that you keep whatever proof that you have intact with you. It can help strengthen your side of the story and her threats can be opposed accordingly.
If you still want the marriage to continue, it cannot go on like this...kindly seek professional help as your wife really needs to understand the meaning of marriage. If she is not interested in it, at least then it can proceed towards a separation BUT living under the same roof and still being involved with her colleague and then behaving as though you are to blame clearly suggests that she is not in the right frame of mind OR has decided that she does not want the marriage.
Whatever the case, do ask her what she intends and then it will give you an idea as to whether to separate or make efforts to rebuild the marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7489 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

Money
I am 58 years old working with salary of Rs.1.0 Lac monthly. Having 2 sons age 32 years and 18 years of age. Elder son is still to marry. Monthly expenses 50K, Having PPF : Rs. 35 Lacs, Retirement amount : Rs. 10-12 Lacs, PF Rs. 11 Lacs, Emergency fund : 10 Lacs, Medical policy : 15 Lacs, Rental income : 30000 from house and shop, Property : Flat worth 90 Lac, 1 shop worth 30 Lacs, Insurance : Sanchay plus - Premium of Rs. 1.5 Lacs till 2029 and will get 130000 from 2031 onwards, HDFC Pansion plan – pansion starts from 2026 as Rs. 26000 per year, HDFC SL Crest – funds accumulated 7 Lacs, Savings : RD in post office : Rs. 14 Lacs, Bank 5 Lacs, Medical policy : 15 Lacs. No Loan. How should I invest Rs. 1.1 Crores on selling of Flat to get Rs. 1.0 Lac monthly ? What should I do to have stable income in future with funds growing ?
Ans: Your Current Financial Position
Monthly Salary: Rs. 1 lakh.
Monthly Expenses: Rs. 50,000.
PPF: Rs. 35 lakhs.
Retirement Corpus: Rs. 10-12 lakhs.
PF: Rs. 11 lakhs.
Emergency Fund: Rs. 10 lakhs.
Rental Income: Rs. 30,000 per month.
Properties: Flat worth Rs. 90 lakhs and shop worth Rs. 30 lakhs.
Insurance: Sanchay Plus with Rs. 1.5 lakh annual premium and Rs. 1.3 lakh yearly return from 2031.
HDFC Pension Plan: Pension starts in 2026 at Rs. 26,000 per year.
HDFC SL Crest: Accumulated funds of Rs. 7 lakhs.
Savings: Rs. 14 lakhs in RD and Rs. 5 lakhs in the bank.
Medical Policy: Rs. 15 lakhs.
Future Asset: Rs. 1.1 crore from selling the flat.
You wish to generate Rs. 1 lakh per month from this amount while ensuring stability and growth.

Step 1: Create a Diversified Portfolio
Allocate Funds Across Asset Classes
1. Equity Mutual Funds

Allocate 40% of Rs. 1.1 crore (around Rs. 44 lakhs).
Focus on actively managed diversified funds.
Choose funds from large-cap, flexi-cap, and hybrid categories for stability.
Actively managed funds have expert oversight for better performance.
Advantages of Regular Funds

Regular funds involve guidance from Certified Financial Planners (CFP).
You benefit from professional advice and fund selection.
This ensures efficient fund allocation for your goals.
2. Debt Mutual Funds

Allocate 30% of Rs. 1.1 crore (around Rs. 33 lakhs).
Invest in funds with low to medium risk.
Focus on short-duration or corporate bond funds for stable returns.
Debt funds provide regular income and lower tax impact than fixed deposits.
3. Monthly Income Plan (MIP) Mutual Funds

Allocate 10% of Rs. 1.1 crore (around Rs. 11 lakhs).
These funds aim for steady payouts with moderate risk.
4. Senior Citizens' Savings Scheme (SCSS)

Invest Rs. 15 lakhs (maximum allowed).
This government-backed scheme ensures safety and decent returns.
Payouts can supplement monthly income.
5. Fixed Deposits in Small Finance Banks

Allocate Rs. 10 lakhs to higher-interest FDs in small finance banks.
This ensures liquidity and risk-free returns.
Step 2: Plan Monthly Withdrawals
Combine rental income and investment returns to meet your Rs. 1 lakh goal.
Use SWP (Systematic Withdrawal Plan) from mutual funds.
SWP allows you to withdraw monthly while the principal grows.
Rental income (Rs. 30,000) and SCSS payouts can cover basic needs.
Step 3: Evaluate Current Insurance Plans
1. Sanchay Plus

The annual premium of Rs. 1.5 lakh continues till 2029.
Returns of Rs. 1.3 lakh per year start in 2031.
This plan should be retained due to assured future income.
2. HDFC Pension Plan

Annual pension of Rs. 26,000 starts in 2026.
Retain the plan as it supplements your income.
3. HDFC SL Crest

Current accumulated fund value is Rs. 7 lakhs.
Surrender and reinvest this amount in mutual funds.
Mutual funds offer better growth potential over time.
Step 4: Emergency and Health Security
Keep Rs. 10 lakhs emergency fund intact.
Medical insurance of Rs. 15 lakhs is sufficient.
Ensure coverage for family members, including your younger son.
Step 5: Manage Future Milestones
1. Elder Son’s Marriage

Allocate Rs. 10-15 lakhs from existing RD and bank savings.
Avoid using investment corpus for this purpose.
2. Younger Son’s Education

Start a dedicated equity mutual fund SIP.
Use the PPF corpus of Rs. 35 lakhs when needed.
Tax Implications
Equity fund LTCG above Rs. 1.25 lakh is taxed at 12.5%.
Debt fund income is taxed per your slab.
Plan withdrawals to minimise tax liabilities.
Final Insights
Your current financial position is strong.

Selling your flat and investing Rs. 1.1 crore can provide Rs. 1 lakh monthly.

Ensure disciplined withdrawals and regular review of investments.

Retain essential insurance plans for future security.

A Certified Financial Planner can assist in monitoring your portfolio.

Focus on consistent income and long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7489 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

Money
I have arount 1500000 invested in MF through an advisor. But now advisor is not giving any services. Is this any soloution to make it direct investment. And if so is it right time to switch to direct as fund value is decresed substantially due to market.
Ans: You have Rs. 15 Lacs invested in mutual funds through an advisor.

The advisor is no longer providing services, leaving you without proper guidance.

The market downturn has reduced your portfolio value substantially.

You are considering switching to direct investments to avoid advisor dependency.

Understanding Regular and Direct Plans
Regular Plans
Regular plans include an advisor’s commission in the expense ratio.

Advisors provide portfolio monitoring and personalised guidance.

Higher expense ratio compared to direct plans.

Direct Plans
Direct plans exclude advisor commissions, reducing the expense ratio.

You need to research and manage investments independently.

Requires knowledge of markets, schemes, and portfolio management.

Impact of Market Conditions on Switching
Current Market Downtrend
Your portfolio is already under stress due to market fluctuations.

Switching now could realise losses if you redeem units for the switch.

Timing Consideration
Markets typically recover over time; wait for partial recovery.

Avoid selling at a loss unless a fund is underperforming consistently.

Disadvantages of Direct Plans
Lack of Expert Guidance
Direct plans shift the responsibility of fund selection to you.

Without market knowledge, decision-making can become challenging.

Emotional Decisions
Investors often panic and redeem during market corrections.

An advisor helps maintain discipline during market volatility.

Missed Opportunities
Advisors can identify better opportunities and schemes.

Regular plans through a Certified Financial Planner (CFP) offer a structured approach.

Addressing Your Current Situation
Option 1: Stay Invested and Change Advisor
Find a new advisor with CFP credentials for better services.

Continue with regular plans under the new advisor’s guidance.

This ensures professional advice and disciplined investing.

Option 2: Gradual Switch to Direct Plans
Switch only if you have the expertise to manage your portfolio.

Use a step-by-step approach; shift one scheme at a time.

Monitor the performance of the new direct plans regularly.

Avoid rushing the process, as it may lead to mistakes.

Option 3: Consolidate and Restructure
Evaluate each mutual fund for performance over three to five years.

Exit underperforming funds gradually to avoid unnecessary losses.

Reinvest in actively managed funds with proven track records.

Tax Implications of Switching
Selling mutual funds involves capital gains tax liability.

Equity mutual funds: Long-term capital gains above Rs. 1.25 Lacs taxed at 12.5%.

Debt mutual funds: Capital gains taxed as per your income tax slab.

Consider the tax impact before redeeming or switching funds.

Recommendations for a Stable Portfolio
Diversification
Ensure a mix of equity, debt, and hybrid mutual funds for balance.

Equity funds provide growth; debt funds add stability.

Emergency Fund
Keep 6-12 months’ expenses in liquid funds or fixed deposits.

Avoid using this amount for switching investments.

Regular Monitoring
Review your portfolio performance every six months.

Rebalance to align with financial goals and risk appetite.

Final Insights
Switching to direct plans is an option but requires expertise.

Retaining regular plans with a new advisor ensures professional guidance.

Assess your financial goals and portfolio performance before making changes.

Avoid hurried decisions during a market downturn to prevent losses.

A Certified Financial Planner can help optimise your portfolio effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7489 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

Money
Dear Sir, I am 58 years old and still working. Having 2 unmarried sons age 32 years and 18 years of age. Elder son is still to marry. Corpus PPF : Rs. 35 Lacs, Retirement amount : Rs. 10-12 Lacs, PF Rs. 11 Lacs, Emergency fund : 5 Lacs, Medical policy : 15 Lacs, Rental income : 30000 from house and shop, Property : Flat worth 1.1 Cr, 1 shop worth 30 Lacs, Insurance : Sanchay plus - Premium of Rs. 1.5 Lacs till 2029 and will get 130000 from 2031 onwards, HDFC Pansion plan – pansion starts from 2026 as Rs. 26000 per year, HDFC SL Crest – funds accumulated 7 Lacs, Savings : RD in post office : Rs. 14 Lacs, Bank 5 Lacs, Medical policy : 15 Lacs, stocks Rs. 1 Lac. How should I invest Rs. 1.1 Crores on selling of Flat to get Rs. 1.0 Lac monthly ? What should I do to have stable income ?
Ans: You have diverse assets including PPF, PF, RDs, insurance plans, and rental income.

Emergency fund of Rs. 5 Lacs is adequate for unexpected short-term needs.

Medical insurance of Rs. 15 Lacs ensures financial protection for health emergencies.

Retirement corpus includes Rs. 35 Lacs in PPF and Rs. 11 Lacs in PF.

Rental income of Rs. 30,000 monthly provides a stable source of passive income.

HDFC Sanchay Plus and Pension Plan offer future income stability post-retirement.

Flat and shop properties together hold a value of Rs. 1.4 Crores.

Stocks, accumulated funds, and bank savings add liquidity to your portfolio.

Objectives and Key Considerations
Stable Monthly Income

Target Rs. 1 Lakh monthly income from investments post flat sale.
Preservation of Capital

Avoid high-risk investments to protect your capital.
Inflation-Adjusted Returns

Investments should grow to combat inflation over time.
Tax Efficiency

Minimise tax liability while optimising returns.
Family Security

Ensure financial security for your unmarried sons.
Strategy to Achieve Rs. 1 Lakh Monthly Income
Diversify the Rs. 1.1 Crore Corpus
Split the corpus into debt, equity, and hybrid instruments.

Allocate 60-70% to debt funds and bonds for stability.

Invest 20-30% in equity mutual funds for growth and inflation adjustment.

Keep 5-10% in liquid funds for liquidity and emergencies.

Debt Fund Investments
Choose high-quality debt funds for predictable income.

Opt for a mix of corporate bonds and government securities.

Debt funds provide regular income and lower risk.

Ensure debt fund maturity matches your income needs.

Equity Mutual Fund Investments
Actively managed funds deliver higher returns than index funds.

Invest through a Certified Financial Planner for personalised guidance.

Equity mutual funds counter inflation with potential long-term growth.

SIPs in balanced funds can balance risk and reward effectively.

Systematic Withdrawal Plan (SWP)
Use SWP for a consistent monthly income.

Withdraw Rs. 1 Lakh monthly while allowing corpus to grow.

SWP ensures disciplined withdrawals and avoids emotional decisions.

Immediate Income Until SWP Grows
Use the current rental income and insurance maturity payouts.

Combine with returns from RD and accumulated funds temporarily.

Gradually shift to SWP after corpus generates desired returns.

Managing Existing Investments
Insurance Policies
Continue with Sanchay Plus till 2029 for guaranteed returns.

Evaluate surrender of ULIP (HDFC SL Crest) for reinvestment in mutual funds.

Reinvest surrendered funds in equity and hybrid funds for better growth.

Retirement Accounts
Maintain PPF and PF for tax-free and safe returns.

Avoid premature withdrawal to retain compounding benefits.

Savings and RDs
Keep a portion of Rs. 14 Lacs RD for short-term goals.

Gradually shift RD to debt funds for higher post-tax returns.

Stocks
Evaluate current stocks for performance and risk.

Avoid over-reliance on direct stock investments due to market volatility.

Tax Planning
SWP is tax-efficient as only capital gains are taxed.

Long-term capital gains above Rs. 1.25 Lacs on equity funds are taxed at 12.5%.

Debt fund returns are taxed as per your income slab.

Use deductions and exemptions under Indian tax laws for savings.

Family Financial Planning
Elder Son’s Marriage
Allocate a portion of liquid funds for the elder son's marriage.

Ensure planned expenses do not disrupt monthly income goals.

Younger Son’s Education
Create a separate education corpus for the younger son.

Use a combination of debt funds and savings for stability.

Final Insights
Diversify the Rs. 1.1 Crore corpus for stable monthly income and capital growth.

Debt and equity mutual funds with SWP can meet your Rs. 1 Lakh monthly target.

Avoid real estate for reinvestment; it lacks liquidity and consistent income.

Continue current insurance plans; consider surrender of low-performing ULIPs.

Ensure tax-efficient withdrawals to preserve wealth.

Plan for family goals like elder son's marriage and younger son's education.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7489 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 10, 2025

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Money
Hi Sir , I have taken jeevan anand policy in 2005 with paying term 20 years but date of maturity showing as 2082 ( 100 years of life) means I can get money after 2025 completed else I will get maturity amount in 2025, please let me know
Ans: You hold a participating insurance policy with dual benefits: life cover and maturity payout.

The policy term is until age 100, ensuring lifelong coverage.

Your premium-paying term is 20 years, ending in 2025.

You will receive a maturity payout in 2025 if you choose.

Alternatively, you may keep the maturity amount invested in the policy.

If kept invested, benefits accumulate until policy maturity or claim.

Key Aspects to Evaluate
Life Coverage Beyond 2025
Post-2025, the policy continues to provide life cover until age 100.

The sum assured ensures financial security for your dependents.

Maturity Amount Usage
The payout in 2025 can address your financial goals.

Retaining the maturity amount earns additional bonuses over time.

Cost-Effectiveness of Continuing
Premium payments cease after 2025, reducing financial outflow.

Assess the policy's bonus and return rates for future benefits.

Assessing Financial Goals
Immediate Needs
Review current financial priorities like retirement planning or liabilities.

The maturity amount can supplement other investments.

Long-Term Growth Opportunities
Retaining the policy boosts long-term returns due to ongoing bonuses.

Consider the tax efficiency of keeping the maturity amount invested.

Alternative Investment Avenues
Evaluate reinvestment in mutual funds for potentially higher returns.

Active funds with a Certified Financial Planner's guidance can outperform.

Regular funds through an advisor ensure tailored advice and discipline.

Insurance Versus Investment
Dual-purpose policies often underperform as pure investments.

Standalone insurance offers better coverage at a lower premium.

Mutual funds provide transparency, liquidity, and targeted growth.

Tax Implications
The maturity payout is tax-free if premiums are below 10% of the sum assured.

Keeping the policy active beyond 2025 avoids tax on continued bonuses.

Evaluate the tax efficiency against returns from other instruments.

Recommendations
For Policyholders Like You
Continue with the policy until 2025 for the full maturity benefit.

Post-2025, decide based on returns and financial needs.

Consult a Certified Financial Planner for optimizing maturity usage.

If Considering Policy Surrender
Reinvest surrendered funds in diversified mutual funds.

Seek active management for consistent, tax-efficient growth.

Final Insights
Your policy secures lifelong coverage and a guaranteed payout in 2025.

Retaining the policy beyond 2025 can maximize accumulated benefits.

Reinvesting in well-managed mutual funds may deliver superior growth.

Ensure alignment with your long-term financial goals and family security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Archana

Archana Deshpande  |95 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi
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Career
Hello, I’m a teacher in Chennai, and over the years, I’ve built a solid reputation among my students and colleagues. However, despite the satisfaction I get from teaching, my current pay is not enough to meet my financial goals or to support my long-term plans. I’ve been considering transitioning into corporate training because I’ve heard that it can be more financially rewarding, but I’m not sure how to take this forward. I’m thinking of investing in online courses that specialise in corporate training, but I’m hesitant. I’m not sure if it’s worth the time, money, and effort, especially since I’ve already put a lot into my teaching career. How do I evaluate if making this switch is a good decision? Would my experience as a teacher actually help me in corporate training, or will I have to start from scratch? Should I look for a mentor in this field before making the leap? Any advice would be greatly appreciated!
Ans: Hi!!
It is so heartening to see this statement of yours," solid reputation among my students and colleagues". I feel that you need to build a solid foundation on all the set skills that you currently have. Not everyone can earn the respect of students ...especially in today's world. Consolidate on this... put in a psychology course/ degree and anything else that can solidify your existing skills!
People are ready to invest in their children, always remember this.....If financial goals is an issue, you can switch to a school where the salary is good, good teachers are in great demand. Collect a lot of testimonials from parents and students before you switch. Demand the salary that you deserve. For earning extra income you can start classes, one of my friends earns in crores just by lending extra help to students .As a teacher you know where the gap exists in our educational system, see if you can fill this gap, see what you can offer and make money.
I am investing a lot of time on this aspect of you because you said that you are actually good at it and that you enjoy doing it, not everyone can say this about their work. It is a matter of time you monetize what you love doing ....groom yourself well, look like a powerful person and demand the salary you think you deserve. Learn to invest your money well and let money work for you. Think of opening your own school.

I am a personal coach as well as a corporate trainer, it a crowded place here too, your experience as a teacher will definitely come in handy ,but you will require additional training for becoming a corporate trainer no doubt about it, it builds credibility if you do. It is hard work, it takes time, energy, certification and constant learning in order to be a sought after corporate trainer and demand that kind of money you are referring to. If you are a go getter, smart, well groomed, confident in your communication, you can bring about change in people just by your presence and you are good in planning your sessions well, then go for it...else, you said it, "I've already put a lot into my teaching career", consolidate on this!! Lots of schools are investing in training teachers as well as students, see if you do this, or you can come to me, we can have a chat together and then you can take the leap forward in whatever direction you feel like taking. Your decision has to be a well thought out decision!

Hope this helps...may wisdom be on your side..TC!

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Samraat

Samraat Jadhav  |2156 Answers  |Ask -

Stock Market Expert - Answered on Jan 10, 2025

Asked by Anonymous - Jan 10, 2025Hindi
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Money
As a prospective investor, I’m trying to balance these factors: does the flat sequential growth reflect a temporary phase that might correct itself in subsequent quarters, or could it point to broader challenges within the IT industry that might persist? Additionally, with IT stocks typically being sensitive to global economic trends and client spending patterns, would it be wiser to invest now, leveraging the strong order book as a growth indicator, or should I wait for clearer signals of sustained performance and recovery in discretionary spending?
Ans: It's great that you're carefully considering these factors before making an investment decision. Let's break down each aspect:

Flat Sequential Growth
Flat sequential growth in the IT sector could be due to a variety of factors, including macroeconomic challenges, cuts in discretionary spending, and delays in decision-making. While some analysts believe this could be a temporary phase with a potential rebound in subsequent quarters, others caution that it might reflect broader, more persistent challenges.

Global Economic Trends and Client Spending Patterns
IT stocks are indeed sensitive to global economic trends and client spending patterns. A strong order book can be a positive indicator, but it's essential to consider the broader economic environment. If global economic conditions improve and client spending increases, IT stocks could see significant growth.

Invest Now or Wait?
Investing now with a strong order book as a growth indicator could be a good move if you believe in the sector's resilience and potential for recovery. However, if you prefer to wait for clearer signals of sustained performance and recovery in discretionary spending, it might be wise to hold off until there's more certainty.

Ultimately, the decision depends on your risk tolerance and investment horizon. If you're comfortable with some level of uncertainty and believe in the sector's long-term potential, investing now could be beneficial. If you prefer a more cautious approach, waiting for clearer signals might be the better choice.

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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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