I am going through a rough patch in my marriage and need an expert's advice badly since I do not have any elders or family members to help me out.

I am a Muslim lady. I had my first marriage to a Hindu guy going against my family, which did not work out and we got divorced mutually.

My family has since boycotted me and I am alone with a 14 year old daughter. (Mom stays with me but not much support)

I am a working woman, and don't have much issues financially. After a year or so of my divorce, I met a childhood friend of mine after long, we liked each other, we got close and decided to get married.

He was already married, but since in our religion, second marriage is legal and the second wife gets equal rights and respect as of first wife, I agreed for the marriage, which we solemnised secretly to not hurt his family (read his wife), but his dad supported us and agreed to our alliance too.

It is almost 8 years now since our marriage, my hubby is loving towards me and my daughter, but the problem is he rarely stays with us at nights, he will come in daytime, stay for 4-5 hours, have dinner and leave. Some weekends only, he will stay.

Initially I thought with time, it would change, but it's almost 8 years now, but nothing has changed and if I ask him, why he does not stay he says, 'office is far away; difficult to reach on time due to traffic and stuff.'

Now, his whole family also knows about his marriage, then also he hardly gives us time and no one from his family contacts me or keeps in touch with me.

Since I have been independent most of my life (I don't have a dad, bro or sis), I never asked for money since he also has a family to support. He will never give any on his own, even when I am short, he keeps saying he is in a financial crunch, once business picks up, he will take care of my expenses too.

Since I am an only child, I wanted a kid with him, but he kept procrastinating that too, saying condition (financial) is not good right now; additional responsibilities will be an added burden for both of us.

I live in a rented flat, while his family has his own (parents' home to be precise).

My daughter is now almost 15, and understands quite a lot of things and has started disliking him. I am also at my wit's end now.

I am tired and frustrated most of the time, feeling stuck. Any amount of talking and discussion only leads to arguments, and when he calms down, he would say he would try and change his ways but nothing changes.

Please suggest what I am supposed to do now. Talking to him is out of question, it’s absolutely no use.

I am even thinking of divorce now, (it's) better to live alone than with someone who makes you feel lonely. But I am afraid for my daughter, her marriage, the divorcee tag again and (she) being a laughing stock to society and family again, I do not know what to do. Please help me!

Ans: Hi
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Ans: Hello;

In my view, flexicap type mutual fund is the best fund to invest for a 7 yr+ horizon.

This may change based on risk appetite and financial profile apart investment horizon.

Any fund from the top quartile that has proven its ability to provide better risk adjusted returns over long-term may be apt.

Happy Investing;

Ans: Hi
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Ans: Hi,
as per jee main brochure, there is no age limit for candidates applying for the Joint Entrance Exam (JEE Main). However, Candidates are required to pass the class 12 or equivalent exam in 2023, 2024 or 2025.

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Ans: Hello;

After you accumulate a corpus of 3 Cr, you may 20/10 L in a mix of liquid funds and flexi FDs as your emergency fund.

If you invest the balance 2.8/2.9 Cr in a equity savings type mutual fund with low to moderate risk rating and do an SWP at 3%, you may expect a post tax monthly income of 60 K+.

This will grow with inflation as the fund provides returns and thus provide inflation indexed income.

Consider investing in NPS regularly every month the proceeds of which may be used to boost your retirement income at 60.

Do take good health care insurance.

Best wishes;

Ans: Hello;

It is better to save ~ 50% of your income towards this goal and get balance amount through loan rather then investing in market linked instruments, returns from which may be quite volatile in the short term.

Best wishes

Ans: Dear Raj,
Do you have an open marriage? Is your wife aware of your wishes and supports them? If that's the case, you have your own arrangement and I don't see how what you do is anyone else's business. But if that's not the case and you are planning on doing all of this behind your partner's back, and you are asking for some kind of reassurance from me that it is okay to cheat, I can't give you any.
Hope this helps.

Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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