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Married woman in love with online friend: Can I leave my husband?

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 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 20, 2024Hindi
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Relationship

Hello i'm 30 years old women i'm married with my close relation my mother's brother i like him at my childhood but he loves me more & one day his mother was died then our family decide to our marriage that's why i was married with him but i'm not love him..i have one 4 years baby girl now but in 2 years later i had met one online friend he is very kind to me i fell love with him more & getting more addicted to him i thought him he is my man but i'm alredy more addicted with him he is not married he was told me to get divorce from your husband i will marry you. But i'm getting more confused Thinking of my family what a do? give me some advice how to relive in person addiction he was fight with me for small things & he was not talking with me for some days that time i felt so badly without him even i'm not sleeping & craying for whole night. i'm more craving to speek with him i know i'm totally hacked by him i don't know the way what a do?

Ans: Dear Anonymous,
Addiction to anything and anyone is never good and online romances can be a huge gamble too...you haven't met this man and you are in love with him and addicted to him?
It seems like a good escape from your marriage, so maybe if you find a way to make your marriage work by connecting better with your husband, things might actually improve for you...

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

You may like to see similar questions and answers below

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

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 Hi Anu, I am a married 32 year old woman, a central govt employee with a 4 year old son. Last year my husband left for some work for 8 to 9 months. He became very busy. He doesn’t give me time at all, very dry, never shows love, goes out with me only after a lot of insistence. He’s always busy with phone and work. But we were happy. I adjusted with everything. But after we left, I started feeling very lonely. I signed up for an extra marital app and started chatting with a man from the same city. After chatting for 6 months, we decided to meet. He is married, and has a 12 year old daughter. I feel happy in his company. He is caring and pampers me. Even after my husband was back we met. We meet once a week after our office hours. We get physically intimate once in two to three months. We do not disturb each other during family time. We talk to each every day for 10 to 15 minutes. Many a times I felt like I was cheating my husband and decided to move on. But I am not able to get over his love and care. I will be transferred to another city in 2 to 3 months. So we decided to have a baby and be in touch always.Pls guide me if am right or wrong.Need your advice. I can't share it with anyone.
Ans:

Dear MS,

You did know the perils of an extra marital app and knew what you were getting into.

You have two ways of looking at your situation.

1. If you choose to continue, you are constantly going to have to juggle between your marriage and this relationship

2. If you choose to be exclusive into your marriage, then you are going to possibly be with a man who is who he is

Now, which side of the fence feels more comfortable to you, is something that you need to assess. Also, external validation is something all of us fall prey to sometime or the other in our lifetime.

Ask yourself:

  • What is lacking in my marriage that is forcing me to step out and explore?
  • Have I tried to communicate my needs to my husband?
  • Are there things that I could have done differently to have a better relationship with my husband?

This might give you a chance to understand where you are and what you can do to give your marriage a fair chance if that is what you wish to do.

Whatever you choose, do remember basing your happiness on an external source will always be short lived and all it gives you is heartache.

Be wise, choose wisely and maybe it’s time to laugh a lot, take a step back, breathe and look at what IS in a different way.

If you still waver, do know that whatever is going on also has an impact on your son. So, steady yourself first, do a reality check and then choose.

Be well and happy!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

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Hi I am 38 year married woman with one 12yr boy and living in joint family. I am doing everything very honestly and sincerely as a lady does as housewife but I never got love, respect as wife from my husband and few years after our marriage I had seen changes in his behavior and day by day he is getting very rude towards me. So I decided to enquire the reason behind these and came to know that he is having affairs with someone whom he is treating as his wife and giving everything to her as his wife and also wants to marry her. I told these to our parents and after talking with him he assured of not continuing the affair. But after that incident I had not seen any change in his behavior and still acting in the same way. I told these to my parents but because of some compulsion I decided to accept it and continue it the way as it is but these is very difficult for me to accept these and continue these relationship. In my schooldays I likes a boy, we love each other but after my marriage we had never been in contact with each other and he also not contacted me respecting my decision.But after these incident I contacted him to know how he is and came to know that he is still unmarried and waiting for me and I told him about my married life.As he loves me very much and still wants me as his wife and told me that he will accept me as I am. As I also loves him a lot and after knowing that he is still waiting for me its become very difficult for me live without him . I remain honest in my married life but after these incident I dont want to live here and also unable to leave because of family condition and also because of the society we lived in but now its became very difficult for me to continue these married life. We shares everything with each other . He respects me and my feelings and loves me a lot and I feel that he is always there for me and will support me in all respect. Kindly guide me what shall I do.
Ans: Dear P.
Never use a current situation to justify a new relationship. You are simply using the new relationship as a distraction from the old unsuccessful one.
Any reason why you had decided to accept your husband's affair?

You have not moved past your marriage to be able to handle another relationship. First things first...
1. What happens to your son in this confusion?
2. Have you decided to separate/divorce your husband before pursuing the new person?
3. Is the new person willing to accept your son and understand that he is a part of all this?
4. Are you living some unfulfilled dream with this man from your past?
5. Are you running away from the pain of your marriage and seeking solace in the new person?

Kindly answer these questions before you jump from one relationship to another. It will save you a lot of heartache and trouble.
Relationships are not something to be used to escape from and into BUT something to be grown into and grown from.

All the best!

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Hello madam, i m 32 year married women, my husband love more than anything, he is good in everything, he take care of me, he bring me whatever i want, he is very good in bed. But i dont love him. Before marriage i had boyfriend, he never accepted me and assured he will marry me, so i decided to marry my husband in 2019. Till oct 2022 i had communication with my ex boyfriend, but when he got married he stopped calling me and i also stoped thinking about him. Lately i meet guy in my office he is 23, music teacher, not so good looking, not completed graduation, not financial strong but i developed feeling for him. I lied to him about my marriage, to get close to him. Once my husband caught me doing wrong, told me to not do. But still i want to continue and want to live with this guy. I want to divorce and live with young guy. I am doing correct or not please suggest.
Ans: Dear Anonymous,
The fact that you are asking me whether it is correct or not shows that you are absolutely questioning yourself...
You yourself said that your husband loves you more than anything...then what makes you go around in circles searching for love and attention outside? Obviously you are unable to appreciate what you have...when you can't see that you have a stable life, all you think of doing is thinking of the boyfriend who did not accept you and the young boy who all of 23 is immature and financially unstable with who you want to live with!
Are things described in a nutshell now? You are free to make your choices but also know that you will have to bear the consequences.
At 23,
What sort of a life ahead he visualized for himself?
Does it include you?
What is the guarantee that he will not meet younger women later on?
And if you wish to start a family considering that he is already 23, does he have the capability to support you and the baby?
- Have you considered all of this?
Kindly step up for yourself and start thinking rather than running around in a scattered way looking for someone else to make you happy...

All the best!

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Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Apr 09, 2024Hindi
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Hello madam, i m 32 year married women, my husband love me more than anything, he is good in everything, he take care of me, he bring me whatever i want, he is very good in bed also. We dont have kids because i never loved my husband. Before marriage i had boyfriend, he never accepted me and assured me that he will marry me, so i decided to marry my husband in 2019. Till oct 2022, i used to communicate with my ex boyfriend, but when he got married he stopped calling me and i also stoped thinking about him. Lately, in Sept 2023, i meet guy in my office he is 23, music teacher, not so good looking, not completed graduation, not financial strong but i developed feeling for him. I lied to him, told i am not married, to get close to him. Once my husband caught me cheating with him in whatsapp messages, told me to not do. But still i went ahead to continue my relationship with this young guy and want to live with this guy. I want to divorce and live with young guy. My parents and family love and respect my husband like their own son. I am doing correct or not please suggest me.
Ans: No you certainly are not “doing correct”! Here’s a good man who loves you and treats you well and has forgiven your indiscretions and still you want someone else? You agreed to marry, right - no one put a gun to your head. Now honour that commitment and stop being so fickle-minded. At 23, your boyfriend is really young and immature. Right now you’re all hot and heavy, but give it a minute; realistically your relationship is unlikely to survive in the long run. And you want to hurt your husband and walk out on your marriage for nothing…he’s only ever treated you right. Don’t be a fool!

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Anu

Anu Krishna  |1745 Answers  |Ask -

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

Asked by Anonymous - Jun 15, 2024Hindi
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Hello sir/Madam I'm going through a rough time of my life and want some help from you I am a professional and 48 years old and I have 2 grown up children My problem is that I had a love marriage with my husband22 years back and his family didn't accept me whole heartidly since we belong to different castes and culture .they wanted to take advantage of me financially My husband has strained his relationship with my mom n only sister after my father's death in 2008 over money matters Me, my husband and children live in a house provided by my parents in a different city from my inlaws They always create differences between us still Now another problem has cropped up in our relationship I spied on my my husband's mobile n discovered tha that he has sex chats with other women and is involved in mastrubating sessions with them over phone I am completely broken from inside n not able to decide what to do coz when i confronted him , he flatly refused n fought with me and started putting false allegations on me .I am quite disturbed as i dont want to end my marriage eventhough he behaves very bad with me at times Kindly advice me
Ans: Dear Anonymous,
Since you know that you want this marriage still, then the best way to not be hurt and strained around him, is to:
Either:
- Ignore what's happening and what he's doing and he leads his life and you lead yours (This is not easy, let me warn you!)
OR
- Live separately; you are financially independent and have your home to live in; he can go live with his parents and see if this works

Sadly, you married someone who has not learned to appreciate his partner and is perhaps playing to his own insecurities. It's totally on him and why I say that you are not to blame is: the fact that you still want to continue in this marriage, you may have to face more of this humiliation and hurt. If this is your decision, you really need a very steely interior and a facade that can face it all.
Yes, counseling is an option for him and the two of you as couple, BUT I don't see that in him as yet...Instead of addressing his wife's hurt and pain, he has refused to acknowledge what he's been up to. It doesn't say a lot about him to me.
So, strengthen yourself into your decision and check the two choices above and see what works best for you...

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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Nayagam P

Nayagam P P  |10851 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

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