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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 01, 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
Manish Question by Manish on Jan 19, 2024Hindi
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Relationship

we had joint family almost 10 years back, we are two brothers ,mother ,father and 2 children to both brothers, I am elder brother, Problem started almost 5 years , My brother lost his temper and started heated argument and violence in family although he is introvert and hold negative thought since long back ,all family members tried to convince him to keep him positive but issue increased day by day reached to a level when father decided my family to protect and advise us to move out of joint family. afterwards also situation remains the same their and ultimately my parents also moved out of the house. We never had any communication around 2 years , but afterwards father had some critical health issue related to kidney and we informed them, Communication started with them again but father expired and again we have seen their violent face during rituals. We understand he having serious psychiatric issue but non of their family like his wife , Son is cooperating us for medication without his consensus as my brother never thought that he having any issue. I am very much worried that some day something wrong can happen as he is keeping very pity issues in mind and ready to fight always. He relation and neighbor's also he did the same and now no one is in talking terms with him.Please suggest how to handle ,is their any agency who can help us in sorting this issue. dont want to go in legal.

Ans: Hello Manish,
mental health issues can be complex, and professional guidance is crucial. Consult with mental health professionals to create a plan tailored to your family's specific situation. It's important to prioritize the safety and well-being of your family. If your brother's behavior becomes threatening or harmful, it may be necessary to maintain physical and emotional distance while encouraging him to seek help. Look for support groups or organizations that specialize in helping families dealing with mental health issues. They can provide guidance, resources, and a network of people who have faced similar challenges. Consider arranging a family intervention, facilitated by a mental health professional, where you can express your concerns about your brother's behavior and encourage him to seek help. It's important to approach this with empathy and understanding. while you mentioned that you don't want to go the legal route, in extreme cases, you may need to consider legal options like obtaining a court order for involuntary psychiatric evaluation. This should be considered as a last resort and only if your brother poses a serious threat to himself or others.

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 19, 2024Hindi
Money
Hi, sorry it's a very long post My mother is 60year old homemaker(nil income) and father is 68yr old retired govt employee (recieving pension).we are 3 children [2 daughters ( all aged between 30-40yr)]to our parents.All of us are married and earning for our livelihood. We sisters are contributing to parents health insurance and other financial things since we started earning and even after marriage ( as my father is an alcoholic too not looking after the household well).Mother has a property in her name given to her by her father as a gift deed. Father had one house and a plot in his name and some ancestral property. Brother went to abroad for studies in 2018 and came back in 2020. He had a girlfriend since his college days( he married to her in 2022, never had objection from anyone of family members ). Since his arrival, he and his girlfriend started involving in all financial matters of my maternal house to the extent he was using my father's debit card for his own use( father says he has given card to brother willfully). Brother wanted to construct a commercial building in my mother's property. He and my father started threatening my mother to register her property ( actually located near Brother's girlfriend house) in name of brother saying if she doesn't agree ,they won't marry off my sister( who got married in 2022 in the presence of grandparents, mother and myself and both my father and brother didn't attend the marriage). They even extracted money from mother's account (which was given now and then to her by me and my sister).During all these process even brother's girlfriend ( wanted a source of income by renting my parents house)also started abusing my mother and involved in all financial matters ( that freedom was given to her by father and brother as my mother was suppressed and we sisters were not aware of things going on). Everything led to the abandonment of my mother who stayed in her friend's place then I brought her to my house. Now after 3 years ( during the course our wellwishers tried counselling and mediation between my father, brother and mother without sisters which didn't work out). my brother got my parents house( and a plot which was in my father's name) registered to his name as a gift deed from my father without informing mother. All the documents of the property gift deeded to my mother by her father is with my brother and father. They are threatening my mother if she enters her own property. Now my mother has no place and income though she had contributed extensively to upliftment of the family all over these years. She ran a grocery store for 15years during which one plot was bought and house was built in that. Another plot was bought after my parents marriage with the help of dowry money given to my father ) but all the properties were registered in my father's name. She has her contribution financially, emotionally and physically. Now doesn't my mother has right to ask back the house and the property given to my brother without her knowledge and to ask for maintenance from my father and also sue all three of them for mental and physical torture..? We sisters want her to lead a peaceful life in her final years of her life.. please guide us.
Ans: Evaluating Your Mother’s Rights

Your mother has been through a lot. Let's explore her legal and financial rights. She deserves to live peacefully in her final years.

Legal Rights Over Property

Your mother owns property gifted by her father. She has full rights over this property. The property can’t be taken without her consent. If your brother and father took documents, this is illegal.

Action Steps for Property

Retrieve Documents: Seek legal help to get back property documents.
Consult a Lawyer: Discuss the possibility of reclaiming the property.
File a Complaint: If threatened, your mother can file a police complaint.
Maintenance from Your Father

Your father has a duty to support your mother. She can claim maintenance from him. This can be done through legal channels.

Action Steps for Maintenance

Seek Legal Advice: A lawyer can help your mother file for maintenance.
Family Court: File a petition in family court for maintenance.
Right to Ancestral Property

Your mother contributed to the family. She can claim a share in ancestral property. The law supports her right to ancestral property.

Action Steps for Ancestral Property

Legal Consultation: Discuss the possibility of claiming ancestral property.
File a Suit: If needed, file a suit for partition of ancestral property.
Mental and Physical Torture

Your mother faced mental and physical torture. This is a serious issue. She can seek legal action against your brother, father, and sister-in-law.

Action Steps for Torture

File a Complaint: Lodge a complaint with the police for harassment.
Protection Orders: Seek protection orders from the court.
Health Insurance and Financial Support

You and your sister have supported your parents. Continue to ensure health insurance coverage. Your mother may need financial support until her rights are restored.

Action Steps for Financial Support

Joint Efforts: Continue supporting your mother financially.
Plan for Future: Set up a fund for your mother’s needs.
Investments for Secure Future

Consider investing in mutual funds for your mother’s secure future. Regular funds with the help of a Certified Financial Planner (CFP) are beneficial. Avoid direct funds due to lack of professional advice.

Benefits of Regular Funds

Professional Management: CFPs manage the funds, ensuring optimal returns.
Less Hassle: No need for your mother to manage investments actively.
Tailored Advice: Investments tailored to her risk profile and needs.
Regular Review of Investments

Regularly review investments with a CFP. Adjust them based on your mother’s needs and market conditions. This ensures her financial security.

Final Insights

Your mother has rights over her property. She can claim maintenance from your father and her share in ancestral property. Legal action can be taken for mental and physical torture. Continue supporting her financially and ensure her health insurance coverage. Invest wisely with professional advice for her secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 23, 2024

Asked by Anonymous - Jul 23, 2024Hindi
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Relationship
Hi, I have given my 2bhk family to my mother in law and brother in law. Over past few years they pay less rent 40% of market value rent. from oct 2023 brother in law lost job and he also has housing emi for 21L+ 3L personal loan. He is also not giving any rent also because of the.current situation. Now he is resorting to emotional black mail and citing senior citizen act stating daughter is liable to pay for living expenses. Already the current house they are staying can get 18K rent.We tried to arrange interview for his job but looks like he is not interested and he seems to be pshyco logical disturbed and talking all non sense. My mother in law is playing neutral role and saying yes to both side without taking a correct stand. My brother in-law is two divorce with history of drinking and physiological mental problems as stated by their ex-spouse.My ask 1. What are legal options available for me. 2. We want him to vacate our house and move to his own house or 1 bhk so that we can help with money from my 2bhk rent. 3. If nothing works can we make a first move of filing police compliant which I want as a last resort.
Ans: Firstly, seeking legal advice is crucial. A lawyer who specializes in property and family law can provide you with specific guidance based on your situation. They can review any rental agreements and help you understand the implications of the Senior Citizens Act that your brother-in-law is citing. This legal counsel will be invaluable in navigating the complexities of your situation.

Next, you might need to issue a formal notice to your brother-in-law and mother-in-law, requesting them to vacate the property. This notice should clearly articulate the reasons for your request, including the financial burden their reduced rent and non-payment are causing you. Provide them with a reasonable timeframe to find alternative accommodation, whether in his own house or a more affordable 1BHK apartment. This approach shows your willingness to support them while also addressing your legitimate concerns.

It's also important to communicate directly and openly with your mother-in-law. Her neutral stance may be contributing to the tension, and having a candid conversation about the situation's impact on your family could help her understand the need for a resolution. Explain the financial strain and the efforts you’ve made to assist your brother-in-law in finding employment. Her support could be pivotal in encouraging him to take more responsibility and action.

If these steps do not lead to a satisfactory resolution, you may have to consider involving the authorities. Filing a police complaint should be a last resort, but it is an option if your brother-in-law’s behavior becomes unmanageable or if he refuses to vacate the property despite all reasonable efforts. The aim here is to protect your family’s financial and emotional well-being while ensuring that your legal rights are upheld.

Throughout this process, it's essential to prioritize your mental health and well-being. Dealing with family conflicts can be emotionally draining, and seeking support from friends, a counselor, or a support group can provide you with the strength and perspective needed to handle these challenges effectively.

By taking these steps, you aim to find a balance between supporting your in-laws and protecting your own family’s interests. Remember, it’s important to act with compassion but also with a clear understanding of your rights and the need for fairness in this situation.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Aug 09, 2024Hindi
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Relationship
Hi I brought up from a middle class family now I'm married and having 3 yrs kid, my younger brother recently got married! Ever since his marg there was a problem going on between my mom, brother and her wife , all the 3 of them bringing their problems to me and husband it creates a huge impact on my mental health due to their problems, if I try to resolve nobody is listening, I'm staying nearby my parents which is a big disadvantage, directly it's affecting me and my family? I don't know how to overcome from this type of issue
Ans: A compassionate but firm boundary can make a difference here. For instance, you could gently explain to your mother, brother, and his wife that while you understand and empathize with their challenges, you’re finding it difficult to handle all the tension that arises from these discussions. You might let them know that, for the sake of your own mental health and family well-being, you need to step back from being involved in any discussions about their conflicts.

If they do come to you with their concerns, try gently redirecting them, perhaps by suggesting that they talk directly to each other or even consider family counseling if they’re open to it. Remind them that only they can solve these issues by communicating directly, rather than relying on you as a mediator. Over time, they may begin to understand that their repeated involvement of you is not a productive solution.

Creating some physical and emotional space is key. If living nearby is heightening the tension, consider adjusting how often you interact in person. Focusing more on your own family’s peace, stability, and happiness will also help. It may feel challenging at first, but taking steps to protect your boundaries will benefit everyone, and gradually, they may even recognize the need to work out these issues themselves without depending on you.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Money
Hi sir I have 9 lakhs personal lone give me some tips to close the personal lone
Ans: A personal loan of Rs. 9 lakh can feel stressful.
But with proper steps, it can be closed faster.

Here are smart, simple tips to help you close it early.

Know Your Loan Details Clearly
Check interest rate, EMI, and tenure.

Know the outstanding principal amount.

Note if any prepayment charges apply.

This gives clarity for planning the next steps.

Create a Short-Term Goal
Set a clear target to close the loan.

Aim for closure in 18 to 24 months.

Keep the goal visible. This builds focus.

Start a Loan Prepayment Fund
Open a separate savings account.

Put any bonus, gift, or windfall here.

Add Rs. 5,000 to Rs. 10,000 every month.

This fund helps you part-pay regularly.

Cut Down on Unnecessary Expenses
Review monthly spending habits.

Cut online shopping, dining out, and gadgets.

Save and use the extra for prepayment.

This sacrifice is temporary but powerful.

Increase EMI If Possible
Speak with your bank to revise EMI.

Even Rs. 2,000 extra can reduce tenure.

Small increase now means big savings later.

Prepay Every Quarter
Don’t wait for large amounts.

Prepay even Rs. 20,000 each quarter.

It reduces principal and interest burden.

Consistency is more important than size.

Use Extra Income Wisely
Use bonuses, incentives, or gifts to repay.

Don’t spend them on lifestyle upgrades.

Focus on freedom from debt first.

Avoid Taking Any New Loan
Don't apply for credit cards or loans.

Keep your financial focus sharp.

New loans will delay your current closure.

Sell Idle Assets If Needed
If you have gold, old electronics, or bike, sell.

Use the money to pay down the loan.

Debt-free life is more peaceful than unused things.

Avoid Just Paying EMI Alone
EMI only keeps you going.

Prepayments are what end the loan.

Make it your top priority.

Stay Motivated and Track Progress
Write down your loan goal in your room.

Track how much you reduced each month.

Celebrate small wins. They boost confidence.

Finally
A personal loan is high-cost debt.
Closing it early gives peace and savings.

Use every extra rupee wisely.
Avoid lifestyle inflation and temptations.

Be focused, consistent, and disciplined.
You will soon be free from this Rs. 9 lakh loan.

Once free, start building your future wealth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Asked by Anonymous - May 13, 2025
Money
I want to retire by age 50, which gives me about 12 years to become debt-free and build a strong corpus. I have savings worth Rs 30 lakh. Should I use my current savings to aggressively prepay my home/personal loan so I can redirect future income entirely toward retirement? I have loan worth Rs 45 lakh. I am 38 now.
Ans: Your focus on retiring at 50 is powerful and inspiring.

You are 38 now. You have 12 years for a major life shift.
That’s enough time if handled with care and clarity.

We will cover debt reduction, wealth creation, and risk management.

Understanding Your Current Financial Position
Your current savings are Rs. 30 lakh.

You have loan outstanding of Rs. 45 lakh.

You want to retire in the next 12 years.

Goal is to become debt-free and build a strong corpus.

This combination of debt and savings needs precise planning.

Define Your Retirement Vision
You must first define your retirement lifestyle.

Know your monthly expenses after age 50.

Plan for healthcare, travel, family commitments.

This will help you know the size of corpus needed.

Also, calculate inflation-adjusted monthly needs post-retirement.
That gives clarity on savings and investment targets.

Evaluate Loan Terms and EMI Pressure
Check the interest rate on your loan.

Check tenure remaining and EMI amount.

If the loan is a home loan, interest rate may be low.
If personal loan, then rate may be very high.

EMI strain also matters.
If EMI is too high, financial stress will impact investments.

Should You Use Savings to Prepay the Loan?
The answer depends on loan rate versus investment return.

Let us assess both sides carefully.

Benefits of Loan Prepayment
Interest burden reduces immediately.

Loan tenure comes down if EMI is constant.

Less stress from outstanding liabilities.

More mental peace and freedom.

This is very helpful when targeting early retirement.

Limitations of Prepaying Entirely Now
You reduce your liquidity buffer.

No savings left for emergency or investing.

Retirement fund building gets delayed.

You need to strike a balance.
Don’t overpay and lose growth time.

12 years is your golden period to build wealth.
Once retired, no fresh income may come in.

Suggested Strategic Approach
Do not use full Rs. 30 lakh for loan prepayment.
Instead, follow a dual strategy of part-prepayment and part-investment.

This gives you control, growth, and flexibility.

Step 1: Create Emergency Reserve
First, keep Rs. 6 lakh aside in liquid funds.

This covers 6-8 months of household costs.

It also covers health, job, or life emergencies.

This amount gives you safety and liquidity.

Step 2: Partial Loan Prepayment
Use Rs. 12 lakh to prepay the loan now.

This brings down principal and interest burden.

Keep EMI amount the same, reduce tenure.

Check with your bank for exact numbers.
Focus on tenure reduction, not EMI reduction.

This builds pressure-free freedom for later years.

Step 3: Begin Long-Term Investments
You will now have Rs. 12 lakh available from savings.

Start investing this over the next 12 to 18 months.

Use Systematic Transfer Plan (STP) from liquid fund.

The investment should focus on long-term growth.
We suggest a mix of actively managed mutual funds.

Why Actively Managed Mutual Funds?
They are managed by expert fund managers.

They outperform in both bull and flat markets.

They help manage risks in volatile times.

Please do not invest in index funds.

Index funds just mirror the market blindly.

They cannot protect during market corrections.

They give average returns, not goal-focused returns.

Actively managed funds give tailored strategies.
They are ideal for someone targeting early retirement.

Avoid Direct Plans Without Expert Help
If you invest in direct plans without guidance:

You miss out on rebalancing help.

You may pick wrong funds and lose time.

You might panic during market falls.

Invest through a Certified Financial Planner and MFD.
They track your funds and tweak them when needed.

Future Surplus Allocation Plan
Now we plan how to use your income going forward.

Increase investments every year by 10% to 15%.

Avoid lifestyle inflation, focus on corpus creation.

Prepay loan further with yearly bonuses.

Aim to close the entire Rs. 45 lakh loan
within the next 5 to 6 years.

This frees up large income chunks for retirement building.

Long-Term Investment Portfolio Structure
After you are debt-free, investment can accelerate.
Target the following portfolio structure:

60% in diversified equity mutual funds.

30% in hybrid or balanced advantage funds.

10% in short-term debt and liquid funds.

This portfolio gives growth, safety, and liquidity.
It also protects your retirement income planning.

Retirement Goal Calculator
Your retirement corpus must support 30+ years of life.

Use future value estimates, not current expenses.

Include lifestyle, medical, and unexpected costs.

Work backward from age 50 to know how much to save.
That gives you an annual savings target.

Stick to it with discipline.

Risk Management Plan
You must protect your assets and income.

Take health insurance of Rs. 10 lakh minimum.

Add a super top-up of Rs. 25 lakh.

Hold term insurance till age 60.

Nominate all your investments properly.

Keep one joint holder for each major asset.

Make a Will once you cross age 45.
Also, review insurance and goals every 3 years.

Tax Planning and Cash Flow Monitoring
As your investments grow, tax planning becomes critical.

Equity mutual funds: LTCG above Rs. 1.25 lakh taxed at 12.5%.

STCG taxed at 20%.

Debt funds taxed as per income slab.

Plan redemptions carefully to reduce tax outgo.
A Certified Financial Planner will guide with tax-smart withdrawals.

Track monthly cash flows with a simple Excel sheet.
Avoid unplanned EMI burdens or impulse purchases.

Monitor and Review Every Year
Review your investment performance every 6 months.

Evaluate any underperforming schemes.

Rebalance asset mix if markets shift.

Reassess loan status every Diwali.

Annual reviews bring control and direction.
Your financial plan must adjust with age and market.

Finally
Your goal of retiring at 50 is realistic.
But it needs focused planning and timely action.

Your savings, loan, and income must work together.
A dual approach of prepaying and investing is ideal.

It gives freedom from debt and freedom to grow.

Work with a Certified Financial Planner to review every step.
Stay consistent, avoid distractions, and build your vision patiently.

With 12 disciplined years, you can achieve early retirement.
Start today. Stay invested. Stay focused.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Asked by Anonymous - May 13, 2025
Money
Hello Sir - I am 52 years old and I have taken a break from my career. I currently have around 6 Crores worth of savings - 2 Crs in Equity and 4 Crs in FD. In addition, I have 2 residential houses and a farm plot all totalling around 4 Crores. No loan exposure. Anticipated expenses in future - daughter's higher studies in Europe after 6 years. Can you please advise me on the ideal portfolio construction.
Ans: You have taken smart and timely financial decisions so far.

Your present financial standing is strong and commendable.
No loans, good asset mix, and clarity on future needs.

Let’s now structure your investment portfolio with long-term clarity.
We will look at stability, growth, liquidity, and future goals.

Understanding Your Current Position
You have Rs. 6 crores in financial investments.

Rs. 2 crores in equity.

Rs. 4 crores in fixed deposits.

Additional Rs. 4 crores in real estate.

No loan liabilities.

Future key goal: Daughter’s higher studies in Europe in 6 years.

Your priority is to protect capital, generate growth, and stay liquid.
Your strategy should also aim at tax-efficiency and simplicity.

Key Investment Objectives
Preserve your existing capital base.

Provide for daughter’s overseas education.

Build a steady long-term wealth creation portfolio.

Maintain enough liquidity for emergencies.

Balance growth with lower downside risk.

Keep taxation under control with efficient planning.

Suggested Asset Allocation
Let us now assess an ideal mix.

20% in Fixed Income instruments.

60% in Actively Managed Mutual Funds.

10% in Emergency and Ultra Short-Term Funds.

10% in Gold and Sovereign Gold Bonds.

This structure is balanced, growth-oriented, and liquidity-ready.
You already have real estate, so no fresh allocation there.

Repositioning Your Existing Portfolio
You already hold Rs. 4 crores in FDs.
FDs are safe but returns barely beat inflation.

Consider breaking Rs. 2.5 crores from FDs.

Reinvest in better-performing asset classes.

You have Rs. 2 crores in equity.
We assume this is in direct equity or past mutual fund investments.

Shift from direct equity to actively managed mutual funds.

They offer professional fund management.

Diversification across sectors brings better long-term results.

Helps reduce stock-specific risks.

Please avoid index funds.

Index funds blindly follow the market.

They lack flexibility and active monitoring.

They fail to outperform in volatile or sideways markets.

Actively managed funds offer better risk-adjusted returns.

If you are currently investing in direct funds, be cautious.

Direct plans lack personalised advice.

Choosing wrong funds can affect returns heavily.

Regular funds through an MFD with CFP credential offer guidance.

Continuous monitoring and rebalancing are also provided.

In your case, a Certified Financial Planner can help align the portfolio
with your family’s unique life goals and risk capacity.

Detailed Portfolio Construction Plan
1. Fixed Income Allocation – 20%
Allocate Rs. 1.2 crores to debt mutual funds.

Choose high-quality short-term or corporate bond funds.

Keep the duration under 3 years for safety.

Avoid FDs for long term due to lower returns.

Debt funds are more tax-efficient after 3 years.

Be mindful of the new tax rule:
Debt fund gains are taxed as per your income slab.

So, debt funds offer better post-tax returns only
if held with smart timing and product choice.

2. Actively Managed Mutual Funds – 60%
Allocate Rs. 3.6 crores gradually in equity mutual funds.

Choose a blend of multi-cap, flexi-cap, and large-mid cap funds.

Add some exposure to thematic or sectoral funds for growth.

SIP route is ideal for phased exposure.

This diversified equity allocation brings long-term wealth creation.
You also reduce timing risk with regular investments.

The mutual fund mix should be carefully curated
based on your risk profile and goal horizon.

Please ensure a Certified Financial Planner monitors this portfolio
and rebalances every 6 to 12 months.

3. Emergency and Contingency Allocation – 10%
Keep Rs. 60 lakhs in ultra-short term and liquid funds.

This covers 24+ months of monthly household expenses.

Provides quick access for health and personal emergencies.

Avoid using this for investments or lifestyle spends.

This fund should remain untouched except for real emergencies.

4. Gold and Sovereign Gold Bonds – 10%
Invest Rs. 60 lakhs in Sovereign Gold Bonds.

They offer 2.5% annual interest plus gold value appreciation.

Held for 8 years, they are tax-free on maturity.

Ideal for diversification and long-term safety.

Avoid physical gold due to purity and storage risks.
Avoid gold ETFs due to expense ratio and no added interest.

Special Planning for Daughter’s Higher Studies
This is a clear and high-value goal.
Timeline is 6 years, so you can take some calculated risk.

Start a separate mutual fund portfolio for this goal.

Allocate Rs. 1 crore gradually into hybrid and balanced funds.

Use 3-4 year SIP/STP mode to reduce risk.

In the fifth year, begin shifting to ultra-short-term debt funds.
This ensures capital safety before the actual outflow.

Avoid touching this portfolio for any other purpose.
Mark this as “Dedicated for Education Purpose” for clarity.

Real Estate Holding Review
You already own two houses and one farm plot.
This is already 40% of your net worth.

No need to invest further in real estate.

Maintain only one house for self-use.

Other properties can be retained for legacy or rental income.
Do not consider real estate for cash flow or liquidity.

Keep property papers and title clear.
Maintain up-to-date valuation documents and insurance.

Key Risk Management Steps
Take a Rs. 25 lakh family floater health insurance.

Add super top-up for extra cover.

Keep your term insurance active till age 60.

Ensure proper nominations in all investments.

Make a registered Will and keep it updated.

Joint holding in major investments ensures easy access.

Risk management avoids surprises.
This is as critical as choosing good investments.

Tax Management & Compliance
Use the new capital gains tax rule wisely.

Equity MF LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Short-term capital gains on equity are taxed at 20%.

Debt MF gains are taxed as per your slab.

Plan redemption dates carefully to reduce tax outgo.

Keep a simple tracker for each investment and its tax impact.
A Chartered Accountant can assist you every March for tax planning.

Review and Monitoring
Review the portfolio every 6 months.

Check for underperformance in any scheme.

Rebalance based on market changes or life changes.

Avoid panic-based decisions during market falls.

Periodic reviews are key to financial health.
A Certified Financial Planner can help simplify this review.

Finally
Your current standing is financially strong.
You have saved well and kept liabilities away.

A structured investment plan will now build on this base.
You can now enjoy peace of mind with clarity and control.

Your daughter's education can be fully supported.
Your own future lifestyle can be secured.

This 360-degree solution focuses on growth, safety, and simplicity.

Keep investing with discipline.
Stay guided with professional help.
Keep all financial documents well organised.

Wishing you lifelong financial freedom and happiness.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Shalini

Shalini Singh  |154 Answers  |Ask -

Dating Coach - Answered on May 13, 2025

Asked by Anonymous - May 11, 2025
Relationship
Hi Shalini ji I was in a serious relationship for 6 years with a boy whom I met on the 1st day of my college. He was from a different caste. Hence when my parents got to know they disapproved of it very strictly so I knew it wasnt going to work that easily. After sometime they started asking to get married. It was an ultimate pressure while we both were preparing for some government exams. I went through utter confusion and I got stuck between trying to study and at the same time thinking about my future with him. I was pressurised by my family including my brother and parents to leave him. Meanwhile I decided to not to carry it forward because I couldn't leave my parents for whole life to be with him because it was either him or my family. I lost all the focus towards my studies due to this decision and also started talking to some other boy (he was from my own caste accidently) whom I met accidentally at an exam centre for comfort. I got a brief moments of happiness with him. I confide my pain in him. Suddenly something happened in my family ,between my parents. And my mother started acting like you can choose your own partner for life because somehow she lost trust on my father. She even was comfortable with my brother's marriage with the one whom he loves. Now I feel completely betrayed because for them I left love of my life and got into another relationship with the boy I met at an exam center ( which now I feel was a hasty decision as I felt alone and depressed). Now no one talks about my real love and what i think about it for the future. I am in a complete state of repentance. I feel like I betrayed him. Now when i think of getting back to him I hesitate a lot because I think that I took a wrong decision due to the pressure and under stress. The person I am with now, I feel is not what I wanted as a partner and I feel that he is not mentally supportive. I wnat to leave him as well. What should I do now to be happy?
Ans: 1. Happiness is in your hand
2. You sound like an adult, over 21 and someone who knows what is right and what is not - so take action
3. If you are not happy in your current relationship, come out of it.
4. If you wish to reconnect with your earlier partner do so, but keep in mind he may not be single and if he is he will not be how you knew him, as in he will come with his own experience of life.

all the best.

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