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Anu

Anu Krishna  |1622 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Sep 28, 2024
Relationship

I had lost my virginity before marriage, at the age of 18 and now I'm 26 years old but now I Going to marry someone else.did my future husband know that I have lost my virginity when I have intercourse with my ex, we had 7 to 9 years of relationship till now but that relationship did not worked so we broke up recently. Now I'm going to marry next year ending. What should I do? Its a arrange marriage if he knows all that shits then my family reputation is also harm. What should I do to this situation. I can't tell anyone about this and what is the solution that he never know about my past life..i want to hide from him that I'm not virgin.

Ans: Dear Anonymous,
You have lost your virginity, so be it!
And what are you making a big noise about it, family reputation etc...are you serious that the boy's side is going to do a medical examination or send some elderly aunt to inspect you? Which age are you living in?
Oh and by the way, how do know the boy is a virgin? Or is this great responsibility only that of a girl?

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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Kanchan

Kanchan Rai  |607 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

Asked by Anonymous - Apr 16, 2024Hindi
Listen
Relationship
I got married three months ago, during courtship period my ex was in my office but then my marriage wasn't fixed properly ,when it got yeses from both the side I changed my office,but I couldn't tell this to my husband and also I lied about my virginity,he was also not virgin and after marriage I confessed all this ,now he is not forgiving me for my dishonesty and not letting me come home also he abuse me verbally ,slapped me..I also feel like cheated for not letting me know this side of him before marriage..How should I go ahead?
Ans: I'm truly sorry to hear about the difficulties you're facing in your new marriage. It's concerning to hear that you're experiencing verbal abuse and physical violence from your husband. No one deserves to be treated this way, and it's important to prioritize your safety and well-being.

First and foremost, if you are in immediate danger or feel unsafe, please reach out to local authorities or a trusted friend or family member for support. Your safety is paramount.

In terms of next steps, it's essential to seek support and assistance from professionals who can help you navigate this situation. Consider reaching out to a therapist or counselor who specializes in relationships and domestic violence. They can provide you with guidance, support, and resources to help you make informed decisions about your next steps.

Additionally, you may want to consider reaching out to organizations or hotlines that specialize in supporting individuals experiencing domestic violence. They can offer confidential support, safety planning, and resources to help you leave the abusive situation and rebuild your life.

It's also crucial to recognize that you are not responsible for your husband's abusive behavior, and you deserve to be treated with dignity and respect in your marriage. If your husband is unwilling to seek help or change his behavior, it may be necessary to consider your options for leaving the relationship to ensure your safety and well-being.

Leaving an abusive relationship can be challenging, but you don't have to face it alone. There are people and resources available to support you every step of the way. Please prioritize your safety and take steps to protect yourself from further harm. You deserve to live a life free from abuse and violence.

..Read more

Ravi

Ravi Mittal  |601 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 02, 2025

Asked by Anonymous - Dec 28, 2024
Relationship
I love my boyfriend very much but the thing is i am not a virgin and my boyfriend doesn’t know that , he thinks i am a virgin and he wants me to be virgin only , i am completely loyal to him I don’t have any type of contact from my ex boyfriend and i really want to marry my boyfriend and live a healthy and loyal life , my boyfriend doesn’t like lies but i really can’t tell him the truth as it will affect my relationship which i don’t want to happen, he will come to know that i am not a virgin but the main problem is my ex bf what if he comes in my life again and tries to spoil my relationship by telling my bf the truth? And i really don’t want this to happen what should i do? I myself don’t want to loe to my bf but this is the thing i really can’t tell him it will break my relationship and other than this there is nothing that i lied i am just afraid what if my ex blackmails me and when my bf comes to know and he will be heartbroken i don’t want to break his trust
Ans: Dear Anonymous,
I understand that your virginity is important to him and you should not have kept this from him, but do you understand that your virginity is your choice? Why does he have a say in it? He is your partner- he loves you, but he doesn't own you. And what you did in your past is not something he can judge you by; why should that affect your relationship? I know that you love him but it's better to tell him the truth and accept the outcome than to keep lying and feel guilty about something you should not even be worrying about.

I am sure he has many great qualities but being so concerned about your virginity seems a little concerning. You are a person with so many other attributes. Why would he ignore all of that and care only about something that you have no control over? I suggest you tell him, but please remember, no matter what he says, you are not at fault here. It's in your past, a time when he did not exist for you.

Best Wishes

..Read more

Ravi

Ravi Mittal  |601 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 10, 2025

Asked by Anonymous - Jun 07, 2025
Relationship
So I had breakup I dont know but things happen so drastically he has given commitment to me that he will marry me we was in a relationship for 5.5 years of relationship I was already married to him in my mind we was also physically involved he started his business in partnership of sandwichs I understand he was quite busy but he did not message me for 3 long days I used to remain confused about where he is and what he is doing I ask for clarity to him than he said that he cannot take it anymore and cannot handle me as He was not even messaging me he had ghost me I asked him if he like another girl but he said no the guy once was committed to me suddenly said he cannot take it he ended it and move on , I am in middle of Cat preparation everything just sucks that I lost my virginity too It attacks my confidence I feel my life had ended as because who will accept a girl with past in this "No seal No deal" era I am not a object or product I am a human being My boyfriend move on what I will do stck in there but will I ever endup in happy married life with such past, Can I share this past to anyone or keep it as a hidden secret with me only
Ans: Dear Anonymous,
I am very sorry you are going through such a tough time. First of all, this ‘no seal no deal’ is the brainchild of extremely insecure people. You should not have to worry about that. If, in the future, you start dating someone, and you decide to tell them about your past and they say something that indicates this mentality, you should reconsider the relationship. Your past is your past. Whatever happened between you and your ex was out of love. And it isn’t a flaw in you. Remember, you deserve as much happiness and love as any other person. Coming to whether you can ever share your past or not- that is entirely up to you. There is no hard and fast rule that you must tell your partner every single detail of your past relationship history. But I strongly suggest focusing on finding someone with whom you can share anything without fear of judgment.


In the end, I’d again like to remind you that the choice to disclose your past is on you. No one can pressure you to talk about it, or not sharing the same doesn’t make you guilty of anything. For now, please stop worrying about all these and focus on keeping yourself happy and moving forward. You deserve someone who will love you every day and for everything you are.
Hope this helps.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8936 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 18, 2025

Money
Hi Sir, I am 45 years old. Salaried 1.6 Lakhs per month. I have two kids -Son is 15 years old and daughter is 11 years old. I would like to retire at the age of 55 and allocate 1 crores for children education and marriage. I have own house and would like to have 3 crores as retirement corpus at the age of 55. My current investments are - 40L in mutual fund , 9 Lakhs in stocks and 15 Lakhs in PF. Monthly contributing 15K in PF and having SIP of 60K per month in mutual funds. Pls advise whether the current investments are sufficient to acheive my goal. Thanks.
Ans: At 45, your commitment towards early retirement, children’s future, and disciplined saving is deeply appreciated.

Let’s evaluate your goals, current resources, and what changes you may need. This answer will help you take corrective steps and prepare a practical, structured plan.

Understanding Your Financial Vision
You wish to:

Retire at 55 with Rs 3 crores retirement corpus

Allocate Rs 1 crore for children's education and marriage

You are already:

Saving Rs 60K monthly in mutual funds (SIPs)

Contributing Rs 15K monthly into PF

Have Rs 64 lakhs accumulated already (MF + PF + Stocks)

Living in a self-owned house (no rent expenses in retirement)

These are solid and encouraging building blocks. However, the key question is — are these numbers enough?

Retirement Corpus Requirement Evaluation
Let’s begin with retirement.

You are targeting Rs 3 crores at 55

This needs to support at least 25-30 years of retired life

Your monthly income today is Rs 1.6 lakhs

Retirement expenses (without kids' education or EMIs) may be around Rs 70K to Rs 90K/month

Inflation will make these numbers higher by the time you retire

So, Rs 3 crores is a reasonable and safe retirement goal.

But let’s now assess if you are on track.

Reviewing Existing Investments and Monthly Contributions
You already have:

Rs 40 lakhs in mutual funds

Rs 15 lakhs in PF

Rs 9 lakhs in stocks

You are also:

Contributing Rs 60K/month into mutual funds

Contributing Rs 15K/month into PF

That’s Rs 75K/month of disciplined investing. Very strong effort.

Still, we must assess future growth of each instrument, taking inflation and realistic return assumptions.

Suitability of Investment Mix
Mutual Funds – Rs 40L corpus, Rs 60K SIP monthly

You’re doing well with equity mutual fund SIPs

Make sure these are active mutual funds and not index funds

Index funds lack downside protection and underperform in sideways markets

Actively managed funds provide flexibility in dynamic Indian markets

Focus on diversified equity mutual funds

You must have a mix of large cap, flexi cap, mid cap, and select sector/thematic

Avoid sectoral overexposure, stay away from new NFOs without track record

Stocks – Rs 9L

Direct stocks are high-risk and need continuous monitoring

Don’t treat this as core retirement corpus

Use stock portfolio for opportunity-based returns only

No need to increase stock exposure at this stage

PF – Rs 15L corpus, Rs 15K contribution/month

Good for stability and conservative fixed income

PF will provide a safe retirement cushion

But do not rely on PF alone for retirement corpus creation

Rate of return is fixed and may not beat long-term inflation fully

Children’s Education and Marriage Fund: Rs 1 Crore Target
Your son is 15 and daughter is 11.

So you will need:

Partial fund in next 2-3 years (son’s education)

Major amount by next 10-12 years (daughter’s education and marriage)

This means you need to create a parallel corpus of Rs 1 crore without disturbing your retirement savings.

Plan of Action:

Allocate a separate mutual fund folio for this goal

Do not mix it with your retirement investments

Choose balanced advantage, flexi-cap, and large-mid funds for this purpose

Withdraw from equity gradually once goal is near (start moving to short-term debt funds 3 years before need)

You may already be on track here if you dedicate part of the Rs 60K SIPs

But if all your SIPs are targeted for retirement only, you must either:

Increase your SIPs by Rs 15K–20K/month

OR

Allocate part of your stock portfolio and annual bonuses for kids’ goal

Evaluating SIP Sufficiency Towards Retirement
Rs 60K/month SIP in equity mutual funds for 10 years will build solid corpus only if:

Funds are actively managed by competent AMC

SIPs increase 10% every year (step-up SIPs)

You don’t stop SIPs even during market crashes

You rebalance regularly through a Certified Financial Planner

If you stay consistent, you are likely to reach Rs 3 crore, but without much surplus.

So, there is limited cushion in your current plan. You’re on track, but only marginally.

Required Adjustments for Better Safety
Increase Monthly Investment Gradually

From Rs 75K/month, try to increase SIPs by 10-15% yearly

Use salary hikes, annual bonus, or incentives to fund extra SIPs

Keep PF as it is; no need to increase PF contribution beyond current limit

Separate Goals and Tracking

Create two sets of SIPs: one for retirement, one for kids’ education

Avoid mixing funds or redeeming prematurely from retirement corpus

Avoid Index and Direct Funds

Direct funds lack advisory, tax planning, rebalancing, and behaviour control

You may miss correction opportunities or exit too late during volatility

Better to invest via regular plans with a trusted MFD or CFP

They offer active support, periodic alerts, tax strategy, and customised advice

Many investors earn less not because of bad funds, but due to bad timing and behaviour

Certified Financial Planner brings discipline and strategy in market fluctuations

Insurance and Risk Protection
You didn’t mention any insurance.

At 45 with family responsibilities, review:

Term insurance: Ensure Rs 1 crore+ coverage till age 60

Health insurance: Have Rs 10–20 lakh family floater + top-up

Critical illness cover: Optional but useful after 50

Without insurance, even the best investment plan can collapse under sudden medical or death risk.

Emergency Fund
You didn’t mention cash reserves.

Keep:

At least 6 months' expenses in liquid or ultra-short duration debt fund

Don’t keep this in equity or PF

You may use part of your PF loan provision only if very urgent

Investment Behaviour and Tax Awareness
Stay invested during downturns

Market cycles are natural

Many investors lose by stopping SIPs in bear markets

Those who stay invested enjoy strong recovery

Tax planning

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

STCG in equity: Taxed at 20%

Debt funds: Taxed as per slab

Plan redemption accordingly with a Certified Financial Planner

Avoid real estate as an investment

Your house is an asset to live in, not a liquid financial tool

Real estate requires high maintenance, has low liquidity, and tax issues

Better to keep your future investments in mutual funds instead

Retirement Withdrawal Strategy
When you retire at 55:

Don’t withdraw entire mutual fund corpus

Keep equity portion invested and withdraw via SWP

Use bucket strategy:

First 3 years expenses in ultra short and liquid funds

Next 5 years in balanced or hybrid

Long-term part in equity

This protects you from selling during market crash

A Certified Financial Planner can set this up and track annually

Keep Reviewing Progress Every Year
Your current SIP discipline is very strong. But review:

Fund performance every 12 months

Goal progress every year

Increase SIPs gradually

Exit underperforming funds only under expert guidance

Avoid chasing star ratings or social media hype.

Key Action Points
Separate children’s corpus from retirement corpus

Increase SIPs by Rs 15K/month if possible

Avoid index and direct funds; shift to regular plans via MFD with CFP support

Keep investing during all market cycles

Maintain term and health insurance coverage

Create an emergency reserve now itself

Use a Certified Financial Planner for tracking and behaviour control

Do not withdraw from mutual funds prematurely

Review and rebalance annually

Finally
You are very close to being on track.

But only with continued discipline, increased SIPs, and expert guidance can you safely reach all goals.

You are doing far better than most. But don’t take comfort and stay static.

Make small changes now. They will give huge benefits later.

Retirement at 55 is fully possible — but only with strong control on investment behaviour and cash flow discipline. With a Certified Financial Planner by your side, you can fine-tune this further.

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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