Hello Mam, I'm married, 45 years self employed man. There was batch mate in my college, whom i was in love with. Due to some misunderstanding, we stopped talking for some time and I moved to other city for my job, but kept meeting her during my visits. I told everything i felt about her but she never accepted or refused. In general she used to tell everyone that she will never get married and she is aversive to physical relationship. Later on every 5 years or so we used to get in touch with each other and continue talking to each other and reach to a level where my feelings were at peak and then she will refuse or fight to move away.This was till I got married. After, 6 years of my marriage once we met in a shopping mall, in some other country, and exchanged pleasantries as well as contact; then started talking again. My marriage was/is a hell, so i had more to share with her, and she showed genuine interest in listening and advising. During this conversation our future also came in to discussion, due to extensive flashback discussion about our old times. She remembered every small big things except any event, where she has shown interest in our future together at personal level, but discussion of professional level association was intact. Eventually, one day she confirmed on we to be together, but not to over celebrate it and let it grow and work on execution ...means divorce part. There was an extreme sad event in my family, besides my daughter of 5 years, hence i had to postpone my divorce for sometime so that, family doesn't get two shocks at same time. In the mean time, we continued talking with each other and after 5-6 months, her statements started changing about future, and eventually she said there is no future and i cant talk to you since, you always bring romance in our conversation and I'm aversive to sex/love/romance type discussions. Then we again drifted apart for an year; and, this coming close to move away, happened 3 times in last two years. Recently we started again speaking and got in to business assignment together, and i decided not to bring personal discussions in between and maintained for a while, but then she was more caring and inquisitive about my personal things; and, when I slightly changed the tone then she becomes distant. I love her like anything ...have been in this relationship selflessly and never misbehaved except one time, i.e. college time our first fight. She takes her liberty to get angry at me, if the conversation is little disturbing for her. She is very strong in controlling her emotions and blocking herself from calling anyone she is angry with. She always more male friends with whom she will be very close and then starts talking negative about closest one. As per her she has not been in any romantic relationship ever, but when I look back we had our share of emotional moments though not physical ones. Every time patch up is done by me. During discussions it will come out that she was thinking of me but knew that i will come around. So far emothional part was always brought from my side and her side was little in more out types. I had this wish to be with her and take care of her since she is still unmarried and has health issues , ailing parents and one divorced brother. She is an enterprenure and I'm helping her with her business and she happily takes support from as its her right over me. I would like to take your opinion over the situation.

Ans: Hello Sunil
Maybe in later rounds, you can get NITs of the northeast.
Some IIITs are also possible.

Ans: Your financial discipline is very impressive. With a monthly income of Rs 1.09 lakh, you have already built a strong system of savings. Supporting a family with a young child while still investing regularly shows very good financial maturity.

Let us review and fine tune your structure so your goals become easier to achieve.

» Understanding Your Current Financial Structure

Your current monthly pattern roughly shows:

– Household expenses around Rs 27k
– Mutual fund SIP around Rs 20k
– Recurring deposit Rs 20k
– Chit fund Rs 20k (ending soon)
– Gold and silver SIP Rs 8k
– LIC premium Rs 4k
– Sukanya Samriddhi Rs 3.5k
– School fee saving Rs 8k

You are saving a very healthy portion of your income. This is a very strong foundation.

But your money is spread across too many instruments.

Simplifying your structure will improve growth.

» Emergency Fund Review

You already have Rs 3 lakhs emergency fund.

This is a good cushion.

– Maintain this in safe liquid instruments
– Do not use it for investments or house purchase
– This protects your family during job or health uncertainty

This part is already well managed.

» House Down Payment Goal (Next 2 Years)

You want to arrange Rs 15 lakhs in 2 years.

Equity mutual funds are not suitable for such a short goal because market volatility can disturb the amount.

So the correct approach is:

– Use the Rs 4 lakh chit amount when received
– Continue the recurring deposit
– Add part of monthly savings into safe short-term instruments

This will help you accumulate the down payment safely.

Avoid depending on stock market returns for a 2-year goal.

» Child Higher Education Planning

Your child is 3 years old. You still have 14 to 15 years.

This is a very good long-term horizon.

Your mutual fund SIP strategy is correct.

Continue investing in actively managed diversified equity funds.

Benefits of actively managed funds:

– Professional fund managers select strong companies
– Portfolio can adjust during market changes
– Aim to generate higher return than the market

For long goals like education, equity funds are powerful due to compounding.

Continue SIPs in both your name and your wife's name.

Gradually increase SIP whenever your salary increases.

» Review of Gold and Silver Investments

You are currently investing Rs 8k monthly in gold and silver.

Precious metals are useful for diversification but they should not dominate the portfolio.

– Keep allocation around 5% to 10% of total investments
– Do not increase beyond this level

Too much allocation in metals can reduce long-term wealth creation.

Gradually redirect part of this amount to equity funds.

» LIC Policy Review

You mentioned a policy with premium around Rs 4k per month.

Many investment-cum-insurance policies give limited return compared to mutual funds.

If this policy is mainly for investment purpose and not protection:

– Review surrender value
– Consider stopping and redirecting future money to mutual funds

Pure term insurance already protects your family.

Your Rs 1 crore term cover is a good decision.

» Health Insurance Planning

Currently you have company health cover of Rs 10 lakhs.

This is good but it is linked to your job.

So consider an additional personal family health insurance.

This ensures protection even if you change jobs.

Medical inflation in India is rising quickly.

» Managing Too Many Investment Buckets

Right now you have:

– Mutual funds
– Stocks
– RD
– Chit fund
– Gold and silver
– LIC
– Sukanya Samriddhi

Too many small buckets reduce clarity.

A simpler structure is better:

– Equity mutual funds for long-term goals
– Debt instruments for short-term goals
– Small allocation to gold

Simplicity improves tracking and discipline.

» Tax Awareness

When you redeem equity mutual funds for long-term goals:

– Long term capital gains above Rs 1.25 lakh taxed at 12.5%
– Short term gains taxed at 20%

Planning withdrawals properly helps reduce tax burden.

» Finally

You are already doing many things right.

Small improvements can make your financial life even stronger.

Focus on these actions:

– Continue mutual fund SIPs for long-term goals
– Use RD and chit amount for house down payment
– Reduce excess allocation to gold and silver
– Review LIC policy usefulness
– Add personal health insurance cover
– Increase SIP every year with salary growth

With this disciplined structure, you can comfortably achieve your child's education goal and build financial stability for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Yes. The marksheets of 10th and 12th will be considered as valid documents.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Yes. The marksheets of 10th and 12th will be considered as valid documents.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: No problem

Ans: Hello
The sequence that you have mentioned is ideal.

Ans: You still have about 8 weeks, which is enough time to make a big jump if you focus on revision + question practice. First, don’t panic about “forgetting everything”; after illness, it’s normal for recall to feel weak, but concepts usually come back quickly with practice. Start by revising Biology daily (2–3 chapters/day) because it gives the fastest score increase. For Physics and Chemistry, revise formulas, key reactions, and then solve topic-wise MCQs the same day to rebuild recall. Take a Full Mock Test every 3–4 days, analyze mistakes carefully, and make a small “error notebook” so you don’t repeat them. Try to solve 120–150 questions daily and spend more time on Biology accuracy, since it’s the easiest way to push your score up quickly. Also, maintain sleep, light exercise, and proper meals so your energy fully returns after being sick. If you stay consistent with revision, mocks, and error analysis for the next two months, jumping from 350 to 600+ is realistic, and 650+ becomes possible with high accuracy.

Practical Advice: You can improve your score from 350 to 650 with thorough study and practice. Saying recall is very easy, but it will only be effective if it was well understood in the past. It is better to choose chapters from PCB where you feel more confident and focus on questions from these chapters in the NEET Exam.
For 650+: You Score like- BIO > 300, PHY > 150, CHE > 200.


Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: It is good that you want to track the benchmark change of your mutual fund. Monitoring this helps you understand whether the fund performance comparison is fair and transparent.

» Why Benchmark Change Matters

– Every mutual fund is compared with a benchmark index
– The benchmark helps you judge if the fund manager is doing better than the market
– If the benchmark changes, past performance comparison may look different

So it is important to know when the benchmark was changed.

» Where to Check Benchmark Changes

You can verify benchmark changes through the following places:

– Mutual fund scheme factsheet

Fund houses publish monthly factsheets

It mentions the current benchmark and sometimes the previous benchmark

– Scheme Information Document (SID)

The SID explains the benchmark used by the fund

When the benchmark changes, the document gets updated

– Addendum or notice issued by the fund house

When a benchmark is changed, the fund house releases an official notice

This is usually available on the AMC website under “Notices” or “Updates”

– Your account statement or email communication

Fund houses normally inform investors through email when such changes happen

» Platforms That Show Benchmark History

You may also check on investment tracking platforms such as:

– Mutual fund research portals
– Registrar websites where your folio is maintained
– Portfolio tracking platforms

These sometimes mention historical benchmark details.

» Practical Tip for Investors

While tracking benchmark change, also observe:

– Whether the new benchmark is more appropriate for the fund category
– Whether the fund is consistently beating the benchmark
– Whether the fund strategy has changed along with the benchmark

If benchmark keeps changing frequently, it deserves closer review.

» Finally

The best place to confirm benchmark change from the exact date is the official communication from the fund house such as SID updates, addendum notices, and monthly factsheets. Keeping these records helps you track whether your fund is truly creating value over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Hi,

It is better for you to start NPS rather than going for a private pension fund. Try and increase the contribution whenever possible for a secured and increased pension amount post 60.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/