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Black magic, depression, and unwanted marriage: Should I live or die?

Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 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
Nadmeen Question by Nadmeen on Sep 05, 2024Hindi
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Relationship

Hello mam i am 23 and whaen i was 19 i had physical relationship with a guy who done black magic to me and has my photo with him he says he love me and want to marry me but i dont rejected it after that he tell everyone about it now i am totally depressed what should i do whether i live or die

Ans: Dear Nadmeen,
I don't know about black magic BUT I do know that as a girl you need to become stronger. Why would you waste your time and life over a 'loser'?
Surely you deserve better than this guy, yeah? Living in fear that he is going to do something etc may just be your way of protecting them. Be around positive people, focus on your studies and have a goal for the future. Tuning the mind on creation rather than fear helps a lot in changing the way that you feel now.
And most importantly, learn to love yourself. You are your most important person and never waste time on people who don't deserve 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  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hi Anu I am 30 years old. I have done LLB and was not interested to practice in court so I tried to get a private job but I didn't get any. Then I decided to start preparing for a government job but I missed it. I started to doubt myself. I even had suicidal thoughts this was started when I was very little something happened to me when I was 16 since then I tried to kill myself and also tried to get involved with one of my friends in college. He liked me so much so we started having relationship. When intimacy started I became nervous and afraid. It is like itching. I want to run and hide in a safe place. He was very firm and honest and humble but didn't work out. After that so many proposals came. I declined. Now my family wants me to marry. I don't know if the husband would understand and give me some time to get involved with him. I don’t know what life after marriage would be. I am a girl with absolutely no achievement and am not proud of anything in my life. My parents are disappointed in me but they never show. What should I do? Pls do not disclose this
Ans:

Dear JV,

It’s possibly the incident that happened to you (which I understand that you haven’t shared here) is preventing you from having a fulfilling life.

I can only say that the incident happened in the past, but you are living it even now.

You were a victim in that incident, but to continue to play the victim even now is to give your power away.

How can you be happy by giving your inner power away every day and every moment?

Reclaim your life.

What’s happened can be blurred by moving away from that incident and reminding yourself that you are far away from the past and in the NOW.

  • Be grateful to what you have in the present
  • Make a list of your strengths
  • Write down your goal clearly by stating by when you want to achieve it

Remember bringing your past into the current time robs you of any goodness; professionally or personally.

So, to see something change, change the way you feel about your past.

Step out of the victim mode and become a person who has the power to change things at will.

I am sure you want to see how this pans out for you.

So, what are you waiting for? Step up and bring that newness of thought into your life.
All the best!

..Read more

Anu

Anu Krishna  |1639 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 10, 2024Hindi
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Relationship
Hi mam, I was in a relationship with a guy for 3 months he was uneducated but I’m a S.E. Initially everything was fine but later he started like u should not talk with other boys you should not go there you should not wear this kind of dress, I’m your husband so you should listen to me whatever I say u should do that like he started. Then he started mentally abused with so many bad words nd he slapped me twice. So I decided I don’t want to be in this relationship so I said him. Then he kept some fellows to follow me to check wat I’m doing where I’m going to get all these details. And then he said I will show both of our to your family, I will kill you like this he started. Now it is almost 2 year I’m leading my life but sometimes he will call me he will threaten me I don’t know what to do how to overcome this I can’t tell to my family I’m depressed can u please tell me what I have to do
Ans: Dear Anonymous,
Are you married? Because he said that he is your husband...I am confused...

Anyway, NO, he has no business controlling you this way...Emotional and Physical Abuse is a strict NO NO...
Tell your family and do that NOW!!!!!!!
This man seems to be acting in a violent manner and your safety should be more of a concern...it was 2 slaps, then after that? When you did not protest for that, he simply has got the message that violence is okay with you...
No, it's not okay, right? And that's why you wrote on this platform...

Do the right thing for yourself...Protect yourself from this person first! Threats of killing you did not set off alarm bells? Why are you still letting him off so easy? This is NOT love...he is just a familiar person to you.
Familiarity does not mean Safety!!!!!! (Read this again)...

Involve your family and let him know that you are not alone; he will stop his threats knowing that you will respond to the rubbish he is subjecting you to! Speak with your family...

All the best!
Dear Anonymous,
No, Age is not so important in a marriage; but if it isn't, then why did you hide the fact of your real age? You have givem it that importance enough to hide it, yeah?
And any relationship based on lies or a hidden fact can cause damages...
The only way that I can see is work with the Counselor and appeal to your husband as well. Tell him that your child needs the love of both parents. Hear what he has to say...and yes, he is bound to bring up the age factor over and over again...it is something that he feels cheated with...so, respect it...Like I said, Apologize like you really mean it...

And oh, why are you so bothered about how he will treat other women in his life? Just focus on your life and your marriage...

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

..Read more

Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 21, 2024

Asked by Anonymous - Oct 21, 2024
Relationship
In 2023 I had met a boy .We have become friends and later on we developed feeling for each other.Then we decided to get into relationship and that would be temporary because I belong to orthodox family and he was not interested in marriage.We went through physical things and everything was fine until I started getting matches for my marriage.Then we had fight and later on the match got cancelled due to groom's intrest.still I was in relationship.Then I got another match in 2024april.I agreed to the match and said it's time we need to stop our relationship.He didn't agree for that and said I need to stay in the relationship until may or else he will send our private pictures to my family and fiancee family.Due to some reason I couldn't meet him in the may month so he extended upto aug .In between he has tortured me that I should not talk with my fiancee also forced me for physical things .I am extremely devastated and tried to take my life for three times.Later on he increased time until October and I lost my patience told my cousin brother about this in September.He spoke with the guy and said you should move on she is not interested in you now One day he texted my mom about us and I got extremely tensed and worried so I have spoke with his parents also my brother did.They said they will talk with him and I felt it was relief .Then a week later he started txtng me again that I have cheated him and he will commit suicide and write my name as reason .I didn't reply for that .Later on he again sent me message that He loves me and want to marry me .I said I don't want to marry you.Now am feeling extremely scared and tensed as marriage is in November and he would stop my marriage.Please help me I don't know what to do.I don't want him in my life as he has tortured me a lot.I am extremely scared of him now I have lost all my feelings.Also he has all my family contacts and my fiance contracts.Please help me .pleaseee
Ans: What you’re describing is a clear form of manipulation and abuse, and no one deserves to be treated this way. First of all, it’s crucial to recognize that his behavior—using threats, emotional blackmail, and manipulation to control you—is not only wrong, but it's also abusive. This situation is likely causing you a lot of fear, anxiety, and distress, and it’s completely understandable that you feel overwhelmed. But you don’t have to face this alone, and there are steps you can take to protect yourself.

The first thing I would advise is to take your power back emotionally. His threats are designed to make you feel like you’re trapped, but the truth is, he’s the one in the wrong, and what he’s doing can be dealt with. I understand that he’s threatening to expose your private photos and contact your family, which feels terrifying, but this is actually a form of blackmail and is illegal. The important thing to remember is that you are not responsible for his actions, nor his threats, and you have every right to protect your life, your dignity, and your peace of mind.

It’s also clear that he’s trying to emotionally manipulate you by saying he will harm himself if you leave. This is another form of abuse, and it’s important to recognize that you cannot control or be responsible for his decisions or behavior. People who make threats like this often do so as a way to trap the other person, but it is not your burden to carry. If you continue to allow his threats to control your decisions, it could lead to further emotional and psychological harm.

Now, I know you’re scared, especially with your marriage coming up in November, and you’re worried that he might do something to sabotage it. This fear is completely valid, but you don’t have to let him hold this power over you. It’s really important to bring in support from trusted people in your life. You’ve already involved your cousin, which was a great step, and you’ve tried to communicate with his parents, but it’s clear that more needs to be done.

At this point, I would recommend involving someone in a position of authority, whether that’s the police, a legal professional, or even a women’s protection organization in your area. In many countries, including India, there are specific laws protecting women from blackmail, harassment, and abuse. If you don’t feel comfortable going to the police on your own, you can ask your cousin, brother, or another trusted person to support you through this process. You can explain that this individual is threatening you with your private photos and trying to manipulate you into staying in a relationship, which is a crime.

On an emotional level, I know how hard it must be to face this kind of stress, especially when you’re preparing for a new chapter in your life with your fiancé. But it’s crucial to not let fear paralyze you. Instead, take it one step at a time. By telling the truth to the right people, such as your cousin or fiancé, you’ll likely find more support than you realize. I know it feels like everything might collapse if he exposes your relationship, but staying silent often gives him more power. The moment you start taking action, you will regain control over your life.

I would also recommend considering some professional emotional support for yourself, like speaking with a therapist or counselor. It sounds like this has taken a heavy toll on your mental health, and you’ve already been pushed to such an extreme point that you’ve considered self-harm. This is a sign that you need emotional support to help you cope with the trauma of what you’ve been through.

..Read more

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Ramalingam

Ramalingam Kalirajan  |9539 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Money
Hello, I am married with 7 years old kid. My spouse in home maker. My monthly income is 1.06 lakh. I have a home loan of 16 lakhs taken in 2018 for 20 years. My home loan emi is 14k monthly. Right now it is around 8 lakhs in balance. I have a SIP of 6k in tax savings mutual funds which i started 2 months back and having a investment of 1 lakh in equity. Around 2 lakhs in gold. I want to be loan free in next 3 to 4 years. Currently, I have no personal loan. I have credit card monthly expenses which are around 20-30k. I have medical insurance cover for 10 lakhs with 13k in yearly premium. Medical insurance cover of 5 lakhs from office. I want to start investing for my child's higher education. Also, I would like to save for emergency fund. What should be the best way to be financially sound?
Ans: You are managing your income and responsibilities quite well. You have a stable monthly income of Rs. 1.06 lakh, a manageable home loan EMI, and initial investments in mutual funds, gold, and equity. Your awareness about child education and emergency fund shows your financial maturity.

Let us now assess your finances from all angles and design a 360-degree path to become loan-free, while saving for your child’s future and building financial safety.

Income and Loan Overview

You earn Rs. 1.06 lakh monthly.

You have a home loan with EMI of Rs. 14,000.

Balance on loan is around Rs. 8 lakhs.

You have no personal loan, which is very good.

Credit card spends are Rs. 20,000 to Rs. 30,000 monthly.

This shows that your fixed EMI burden is around 13% of income. That is comfortable. However, credit card usage of 30% of income can be risky if not cleared fully.

Current Investments Snapshot

SIP in tax-saving mutual fund: Rs. 6,000 (started 2 months ago)

Equity investments: Rs. 1 lakh

Gold holdings: Rs. 2 lakhs

Your current financial assets total around Rs. 3 lakhs. This is a starting point. You need to build much more.

Insurance Protection and Risk Coverage

You have Rs. 10 lakhs medical insurance personally.

You also have Rs. 5 lakhs cover from office.

This is good coverage. But do check if the policy covers family too. If not, consider adding family floater cover for spouse and child. Also, check if your term life cover is in place.

If you don’t have a term plan, take one with 15 to 20 times your annual income.

Emergency Fund Planning

This is your financial safety net. It protects you during job loss, illness or big bills.

You should build at least Rs. 3 to 4 lakhs as emergency fund.

This is around 3 to 4 months of expenses.

Keep it in savings account, liquid fund or sweep-in FD.

Do not invest emergency fund in equity or gold.

You can build it step by step. Allocate Rs. 10,000 monthly towards this till you reach the target.

Credit Card Management

Spending Rs. 20,000 to Rs. 30,000 monthly is fine only if it is paid in full.

Do not carry forward dues. Interest is very high.

Try to reduce monthly card spends to Rs. 15,000 or less.

Use UPI or debit card to control impulse buys.

If you get cashback or points, track their usage.

Do not use credit card for investment or gold buying.

Home Loan Prepayment Goal

You want to close your home loan in 3 to 4 years. That is a good decision.

Loan balance is around Rs. 8 lakhs.

Your EMI is Rs. 14,000 per month.

You may add part-payments from bonuses or savings.

Even extra Rs. 10,000 monthly can reduce loan duration.

Focus on part-paying principal directly. Inform your bank to reduce tenure, not EMI.

If you finish loan early, you free up Rs. 14,000 monthly.

This can go into long-term investments after loan is over.

Try to avoid any new loans while you are prepaying this one.

Investing for Child’s Higher Education

Your child is 7 years old. You have 10 to 11 years to save.

Education cost after 10 years may be Rs. 20 to 40 lakhs.

Start dedicated SIPs for this goal separately.

Don’t mix it with emergency or retirement goal.

Invest in diversified mutual funds through a Certified Financial Planner. Avoid direct funds. You will miss guidance, reviews, and rebalancing support.

Regular funds through a planner offer:

Goal tracking

Portfolio correction

Behavioural support

Scheme curation based on age and need

DIY investing often lacks structure. That hurts goal achievement.

Why Not Index Funds for Child’s Goal

Index funds copy stock index. No human helps the fund. That can work poorly in volatile times.

No protection during market fall.

No smart fund manager to switch between sectors.

Index funds only follow, they do not lead.

In bear market, they do not stop losses.

Actively managed funds have better control and insights. Use them through a planner.

Build a Structured Financial Plan

Now let’s allocate your monthly income in a smart way:

Home loan EMI: Rs. 14,000

Credit card spends: Rs. 20,000 (reduce this to Rs. 15,000 soon)

SIP (Tax-saving): Rs. 6,000

Emergency fund savings: Rs. 10,000 (for next 6-7 months)

Child education SIP: Rs. 8,000 (to be increased later)

Part-payment towards loan: Rs. 10,000 monthly (target 3 years)

Term insurance premium: Around Rs. 1,000 (if not yet taken)

Household and utility expenses: Rs. 25,000 to Rs. 30,000

Balance: Keep for buffer and minor savings

This is an ideal approach. Review once in 6 months with a Certified Financial Planner.

Gold and Equity Holding Strategy

Your Rs. 2 lakhs in gold can be kept as family emergency backup.

Do not sell unless there is a big medical or job emergency.

Your Rs. 1 lakh in equity should stay invested for 5+ years.

Do not redeem for short-term use.

Equity needs time to grow. If you need this money in next 2 years, move it to safer option.

Future Financial Milestones You Must Plan

Complete home loan closure in 3 to 4 years

Build full emergency fund in 1 year

Have Rs. 15 lakhs saved for child education in 7 to 8 years

Have Rs. 25 to 30 lakhs for retirement by age 50

Have term insurance and medical cover active always

Reduce credit card dependency by 50%

Once home loan is closed, increase SIPs aggressively.

Why Work With Certified Financial Planner

You need a complete, goal-based plan. A planner helps with:

Asset allocation based on your age and income

Retirement, education and risk planning

Scheme selection and regular monitoring

Avoiding common investor mistakes

Tax planning and withdrawal strategies

Trying to do everything alone may look cheap, but it costs more later.

Final Insights

You have strong income and manageable EMI

Credit card spend needs better control

Home loan closure in 3 to 4 years is possible

Emergency fund should be your next priority

Child education goal must have own SIP

Don’t rely on gold or equity for short-term goals

Mutual funds should be through certified planner, not direct mode

Avoid index funds due to lack of active management

Life and health cover are in place, continue renewing

Review your plan every year with a qualified planner

After loan closure, build retirement and wealth portfolio aggressively

Taking small steps now gives strong results later.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |9539 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Money
Me and my husband both are working.my salary in hand 1 lacs and my husband salary is 1.5 lacs in hand.we have two personal loan of 35000 emi and 20k emi.and 20 k car loan emi and one home loan emi 27k .we are paying 35k rent in current city.can we take another loan for my business?
Ans: You both are doing well with your current income. Your combined take-home income is Rs. 2.5 lakhs monthly. This is quite a solid base for building wealth. However, adding another loan for business needs to be evaluated carefully. Let’s assess your finances in a structured and simple way.

Current Monthly Income and Obligations

Your in-hand salary: Rs. 1,00,000

Your husband’s in-hand salary: Rs. 1,50,000

Total monthly income: Rs. 2,50,000

Monthly EMI Commitments

Personal loan EMI 1: Rs. 35,000

Personal loan EMI 2: Rs. 20,000

Car loan EMI: Rs. 20,000

Home loan EMI: Rs. 27,000

Rent: Rs. 35,000

Total Fixed Monthly Outgoings

Total EMIs: Rs. 1,02,000

Rent: Rs. 35,000

Total committed outflow: Rs. 1,37,000

Your fixed financial obligations are more than 54% of your monthly income. That is quite high.

Assessment of Your Loan Capacity

Ideally, EMIs should not exceed 40% of income

You are already paying over 54% towards EMIs

That leaves around Rs. 1,13,000 for all other expenses

This includes groceries, utilities, child care, insurance, savings, and emergencies

Taking another loan now could add more strain. Even if the business is promising, managing cash flow will be hard.

Business Loan Considerations

Before going ahead, ask yourself:

Is this a necessity or a desire?

How much capital do you need exactly?

Is there any collateral or asset to support the loan?

Will the business earn money soon or take time?

Will your spouse support this loan too?

Borrowing for business without clarity could lead to pressure. You need a proper business plan first.

Ways to Reduce Current Financial Stress

You may take these steps before thinking of another loan:

Try to close one personal loan early

Use bonuses or yearly incentives for part-payment

Avoid new credit card debts or shopping loans

Track expenses and reduce lifestyle costs

Delay any big expenses for now

Reducing one EMI will make things smoother.

Savings and Emergency Fund

This is very important if you plan to start a business:

Do you have emergency savings?

Ideally, keep 6 months’ expenses aside

Rs. 1.5 to 2 lakhs minimum should be easily available

Without this, any small risk may force you into another loan

Avoid relying only on credit cards in emergencies

Keep this fund untouched except for emergencies.

Investment Planning for the Long-Term

Business dreams are good. But never ignore long-term goals:

Are you saving for child education?

Do you have retirement investments?

Any life insurance cover in place?

Are you building wealth beyond salary?

If not, start SIPs in mutual funds. But only after meeting basic needs.

Why Mutual Funds Through CFP is Better

Regular mutual funds via a CFP guide you

They suggest the right funds for your goals

They offer help in tracking and rebalancing

You avoid DIY mistakes common in direct funds

A Certified Financial Planner brings discipline

Regular funds have trail fees but better service

In direct funds, you have to manage all by yourself. Many investors fail without support.

Budgeting Help for Business Planning

Use a monthly budget approach. Break your money into clear parts:

EMIs and rent

Household and groceries

Insurance and savings

Personal expenses

Business seed fund (if any)

Do not mix business and personal spending. Keep them separate.

Risk of Taking Business Loan Now

Here’s what could happen:

Business takes time, but EMIs are fixed

Income may reduce temporarily

Savings may drop to zero

One small emergency may disturb the whole plan

Personal loans and car loan are unsecured. Default affects credit score

This is not a safe time to increase liabilities. Think more.

Alternative Approach Instead of Loan

Try these instead:

Start business small from savings

Do it as a side hustle without quitting job

Validate business idea before taking loan

Ask family for small soft loan if needed

Check if your husband can support as partner

Avoid burdening the family for something that is still untested.

If Business Is Already Running

If your business is running:

Show 6 months cash flow

Prepare clear profit estimates

Only then approach bank with confidence

A good record increases loan approval chance

Avoid NBFCs or private lenders with high interest

Banks give better terms but ask for documents.

How a Certified Financial Planner Can Help

Helps assess current income and loan ratio

Offers a full budget view and stress testing

Helps balance personal and business goals

Builds a solid investment strategy

Plans for education, retirement and risk cover

Keeps emotions out of money decisions

Gives a long-term view, not just short term

Working with a planner ensures peace and clarity.

Review Current Loans with Planner

Can any loan be consolidated?

Can home loan be refinanced?

Can car loan be closed early?

Is there a better repayment strategy?

These steps will reduce interest and save money.

Loan Burden and Business Risk Don’t Go Well Together

Loans need fixed payment

Business income is variable in early years

That mix creates financial pressure

Better to reduce EMIs before taking new loan

Plan slowly but surely

Risk in business should not disturb family stability.

Life and Health Insurance Protection

You must have this before thinking of a loan:

Life cover of minimum 10 times your salary

Term insurance only, not investment plans

Health cover for self and family minimum Rs. 5 lakhs

This avoids financial shocks during illness

If you have any LIC or ULIP plans, review them. Most give poor returns.

Surrender Old Policies If Needed

ULIPs or traditional LIC plans give 4-5% return

Mutual funds give higher returns in long run

You may surrender and reinvest via CFP

Ensure you are not breaking a lock-in period

Take guidance from certified planner

Money should grow, not sleep in poor products.

Final Insights

Your income is strong but current EMIs are high

Business loan can be taken later after reducing one EMI

Start business small without loan if possible

Keep emergency fund ready before taking any new step

Don’t mix emotions with financial planning

Take time, build slowly and get expert guidance

Your goals, your child’s future and your retirement matter more

Do proper planning before any new commitment

Money decisions must be sustainable, not rushed

You both are already doing great by earning well. Now it’s time to plan smarter.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9539 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jun 23, 2025Hindi
Money
I want to invest Rs 15L; what is the best possible way to invest for my parents who are in their mid-seventies and will get a monthly fixed income without hampering the principal amount.
Ans: The goal is stable monthly income without risking principal.

Understanding Your Parents' Needs
Age: mid?seventies, safety is key

Monthly income is priority, not growth

Risk appetite is extremely low

Capital protection must not be compromised

Liquidity needs to cover unforeseen expenses

Their investment must focus on dependable, low?risk income instruments.

Building the Right Income Mix
To achieve stable payouts and preserve capital, we should split the Rs?15 lakh across:

Debt and hybrid mutual funds with SWP

Bank and small finance bank FDs with monthly payout

Short?term debt funds for liquidity buffer

This combination gives monthly income, safety, flexibility, and tax efficiency.

Option 1: Debt & Hybrid Mutual Funds with SWP
Choose actively managed monthly income funds or dynamic bond funds

These funds adjust exposure for safety and yield optimisation

No lock?in and better returns than FDs over time

Setup a systematic withdrawal plan (SWP) of Rs?10,000–12,000/month

Capital remains invested; only gains are withdrawn

Why not index or direct funds?

Index funds track broad debt indices passively

Direct plans offer no CFP/MFD guidance

Fund managers in active plans can manage quality proactively

Option 2: Laddered Fixed Deposits (FDs)
Place Rs?6–7 lakh across several bank FDs for 12–24 months

Small finance banks may offer 8–8.5%; large banks offer 6.5–7%

Choose monthly interest payout to generate income

Laddering ensures periodic liquidity and reinvestment flexibility

This segment adds fixed, predictable cashflow with principal safety.

Option 3: Short-Term Debt Funds for Buffer
Allocate Rs?2–3 lakh in ultra-short/low?duration debt funds

These offer better overnight liquidity than FDs

They give modest returns (~7–8%)

Serve as an emergency reserve without loss

This ensures funds are accessible without penalties.

Income Flow Strategy
Monthly payout options:

SWP from debt/hybrid funds: ~Rs?10,000/month

Monthly interest from FDs: ~Rs?5,000–6,000/month

Existing mutual funds and stocks: Choose to withdraw Rs?3,000–4,000/month

Total additional income: ~Rs?18,000–20,000/month

This adds meaningfully to pension or other income.

Tax Efficiency Considerations
Debt funds: LTCG taxed as per income slab after 3 years

SWP gains taxed partially each month—can manage tax bracket

FD interest fully taxable—TDS applies

Hybrid funds may have favourable debt-equity split

No equity funds used to avoid tax unpredictability

Structured properly, tax liabilities remain minimal.

Principal Protection & Risk Measures
Avoid equity market exposure entirely given age and objective

Active debt funds help address credit and duration risk

Laddered FDs reduce interest rate risk

Short?term debt funds preserve capital and offer liquidity

This protects principal while generating income.

Role of Existing Mutual Funds & Stocks (Rs?15 lakh)
Maintain existing equity for potential growth

Avoid selling now to preserve long-term returns

If needed, use LT capital gains below Rs?1.25 lakh slab, taxed at 12.5%

Otherwise, reallocate incompletely only if income need spikes

Use these assets judiciously, not as primary income source.

Health & Contingency Planning
Ensure health insurance continues

Add top?up covers if premiums increase

Arrange for power of attorney or nominee setup

Clear instructions for minor access in case of emergencies

These measures protect finances and ensure smooth administration.

Portfolio Allocation Summary
Summarised investment of Rs?15 lakh:

Rs 6–7 lakh in laddered bank/small bank FDs (monthly interest)

Rs 5 lakh in debt/hybrid mutual funds (with SWP set up)

Rs?2–3 lakh in short-term debt fund (liquidity buffer)

Balance stays in existing mutual fund/stock portfolio

This creates a stable monthly income stream, keeps capital safe, and offers flexibility.

Monitoring and Annual Adjustments
Review income targets annually

Reinvest mature FDs based on rate and yield trends

Reassess SWP amount based on expenses and market

Rebalance fund allocation with help of CFP/MFD

Adjust buffer fund if needs change or inflation increases

Active review ensures plan continues to deliver with minimal risk.

Avoiding Common Retiree Mistakes
Don’t put all funds in FDs—inflation erodes value

Avoid equity or volatile assets for monthly income

Don’t ignore active fund guidance—direct funds lack professional support

Don’t chase high yields that compromise credit safety

Stay aware of rate changes and tax bracket impacts

Preventing these mistakes keeps your parents financially secure.

Setting Up SWP Correctly
Choose date after pension credit arrival

Withdraw fixed amounts to fund monthly expenses

Keep SWPs under LTCG slab when possible

SWPs adjust automatically; no repeated decisions needed

Use CFP to monitor fund performance and adjust SWP

Automated process ensures monthly income without hassle.

Final Insights
Your parents need safety, income, and simplicity

Mix of debt/hybrid funds, laddered FDs, and liquidity funds delivers this

SWP ensures steady monthly payouts without losing principal

Active fund choices via CFP avoid risk and give better returns than passive options

Annual review keeps their plan aligned with needs and market changes

This investment structure meets their goals: secure capital, tax efficiency, and monthly income designed for their peace and comfort.

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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