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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Feb 19, 2024Hindi
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Relationship

Hello, I am 35 years old. Married. Not living with husband since an year, as he flirted with an office girl (this is the extent of it that I caught) and has tendency to do so. He is not emotionally aware (of himself or me) and I keep getting hurt as I am quite emotional. Also, I am not on talking terms with his parents as they had tried to sabotage our marriage in different ways on countless occasions. My husband wont agree (not that I want him to agree), but I think that's one reason of our increasing differences. I love him, but cannot find in my heart to move back with him ever again. We have a 5 year old kid, due to whom I am unable to move ahead with divorce. I am stuck in the midst, not knowing where to go next or stay in this same 'married but separated ' position forever. I'm definitely happier without the everyday petty bickering that we had when we lived together (which was turning me into a bitter and angry person, I don't want to be that). I have turned extremely distrustful of him. I do feel very lonely at times. We also went to a guidance counsellor to make the relation work some 1.5 years back, but my husband felt its a waste of money after 5 sessions, also he never invested in the emotional sorting that the counsellor mentioned our relation required. Any guidance?

Ans: It sounds like you're facing a complex and challenging situation. Here are some steps you might consider as you navigate your next steps:

Take care of yourself first and foremost. This means prioritizing your mental and emotional well-being. Consider seeking support from a therapist or counselor who can help you process your feelings, develop coping strategies, and explore your options moving forward.
Take some time to reflect on what you want for yourself and your child in the long term. Consider what kind of environment you want to create for your child, as well as what you need in terms of emotional fulfillment and stability.
If you feel comfortable, consider having an open and honest conversation with your husband about your concerns and feelings. Express how his actions have affected you and what you need from him moving forward. However, be prepared for the possibility that he may not be receptive or willing to change.
Consult with a family law attorney to understand your rights and options regarding divorce, custody, and child support. They can provide guidance tailored to your specific situation and help you navigate the legal process.
Regardless of whether you choose to stay married or pursue divorce, prioritize effective co-parenting for the well-being of your child. This may involve setting clear boundaries, communicating openly about parenting decisions, and prioritizing your child's needs above any personal conflicts.
Consider exploring alternative living arrangements or custody agreements that may better suit your needs and preferences. This could include living separately while co-parenting, or exploring shared custody arrangements that provide stability for your child while allowing you to maintain some distance from your husband.
Reach out to friends, family members, or support groups for additional support and guidance. It can be helpful to connect with others who have gone through similar experiences and can offer empathy, advice, and solidarity.
Ultimately, the decision of whether to stay married or pursue divorce is a deeply personal one that only you can make. Take your time, trust your instincts, and prioritize your own well-being and that of your child as you navigate this challenging process.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 25, 2022

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Relationship
Hi, me and my husband are married for 12 years now, we have a daughter. Both of us are totally different, like north and south pole. He is very extrovert, tries to be the centre of attention, always needs his social circle, his work, friends circle is all that matters to him. I am a total introvert. I don't care about having friends, I hate parties, all that matters to me is my family. First few years, he made me feel that I am a misfit in this world and I had a huge pressure to be an extrovert like him. He was always like how can this famous Mr Extrovert can have such an introvert wife, that's so shameful. I tried changing myself because I was so desperate for his love and respect. All that mattered to him was my looks, how I conducted myself in front of people and after pregnancy, all that bothered him was my weight gain. I started hating myself, believed that maybe I just don't deserve to be loved. I went into depression after pregnancy. I had to leave my job to take care of my baby, his mom who was bed ridden by then, his dad who had serious health issues. I told him, thought he would at least care then. It took him 3 years after that to even come with me to a psychiatrist. He never cared. I always thought it’s my fault, tried to patch things up but now I am tired, really tired. I feel suffocated. I am afraid of separating from him. As a person, he is good but we are totally misfit for each other. I still cannot come to terms with all the emotional abuse I went through. He didn't intend to harm me, he thought he is only helping me to improve and be better but now, I don't know what to do, I am not happy.
Ans:

Dear SN, It’s a wonder why anyone would go to such lengths to change themselves for another; especially their personalities: what makes them who they are! All in the name of saving relationships and love.

True love within a relationship doesn’t demand that the other person change themselves upside down, but it embraces who the other person is unconditionally.

And what makes you think that an extroverted person has the right to change an introverted person?

Did you try and change him to be like you? No! Then why is the reverse even being given so much importance. Also, your husband does not any right to mock you!

His world is different from yours as much as your world is different from yours. And kindly remember: Extroverts (if you want to label them), ate people who are happy with a lot of company around them, are vocal about liking being in a crowd and having a good time spending time with people.

They are not ones who poke fun at the way their spouses look, try and change them to suit their personalities.

So, who you are living with right now is a man with very poor self-esteem and huge insecurities and is blaming you for these and trying to change you will make him feel better.

Do not feed into this game; as once you begin to show that you will yield to his demands, that’s all you are going to do for life. He has to change from within!

He has to understand that what is going on within him is the cause of his misery and not you. But of course, doing something for a spouse even when you don’t like it has to be out of your own will and not forced. Now you take a call as to how you are going to deal with this in your marriage.

READ WHAT YOU HAVE WRITTEN: He didn't intend to harm me, he thought he is only helping me to improve and be better!

Do you really need help or does he? You have started to actually believe that you are at fault and that it is your problem.

Bottom line: You change only if you wish to and that too with things that don’t challenge your value systems. Never be forced into anything; period!

Either sit him down and assert this point or ask him to visit a professional to take care of his state of mind.

All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2022

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Hi Anu, it's been 5 years of my marriage. From the last few months I am feeling disconnected from my husband. I ask him about it. He mentioned that he met a guy somewhere in November and had a one-night stand with him. He explained to me the initiation was from him and that he likes him. After few days of conversation with him my husband started having feelings for him. But it was for limited time period coz that guy was trying on someone else or many others (according to my husband) A few days earlier he mentioned that he is being confused if he is gay or straight. He now has feeling for another guy but he has a family and sees him as friend. My husband is continuously telling me to understand him. He needs to find him etc etc... And deep down I know he has no future with any other man. He doesn't feel any physical attraction towards me (it's what I think). I do like him. Physically also. But he doesn't. We don't have any child. He is 36, I am 34.Now I am super confused what to do. I do love him. Please help.
Ans:

Dear KS,

It’s still unfortunate largely in our country and in few other places outside of India, sexual preferences and orientation is still considered a taboo or something to shoved under the carpet.

It’s treated as an illness that will go away like a cold and fever.

Your marriage possibly comes under this confusion and hence both you and your husband are struggling.

He never got a chance to figure out which gender he leans into more maybe due to societal pressure or from family; and it has surfaced after marriage.

For you, it feels like you have been cheated and though you love him, do know that it might not be a marriage that might work especially if he chooses to root himself to his current sexual orientation.

I suggest you weigh out the pros and cons of being in this marriage and have a frank discussion with your husband.

If he has nothing to offer to you and in this marriage, you know what is to be done.

Whatever it be, do know that this has happened at the right time; just imagine the confusions if there were children in the picture.

If after the discussion, it was just something that he experimented with, I guess there might be scope to grow into the marriage.

Have that discussion and do that NOW; a lot will ease.

Yes, it perhaps might be a heartbreak, but better to MOVE either way.

Be strong and all the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    (more)
    Anu

    Anu Krishna  |825 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    (more)
    Anu

    Anu Krishna  |825 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    Ans:

    Dear MK,

    This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

    It's cyclical and traps you within in the loop.

    He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

    To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

    Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

    If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

    All the best!

    (more)
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Money
    Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
    Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

    Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
    Investing Directly?
    investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

    Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
    Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
    Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
    Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
    Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
    Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
    Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
    By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

    By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

    If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Dec 30, 2023Hindi
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    Money
    I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
    Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

    Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
    Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
    Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
    Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
    Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
    Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
    Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
    By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
    (more)
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
    Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

    Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
    Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
    Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
    Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
    Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
    By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
    Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

    Here are a few steps to consider:

    Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
    Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
    Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
    Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
    Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
    Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 26, 2024Hindi
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    Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
    Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

    Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
    Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
    Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
    Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
    Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
    By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    I am regularly investing via SIP in UTI flexicap since last 6 years. Now, I am seeing that, UTI FLEXICAP is underperforming relative to its peers. What should I do now? Should I stop SIP or continue?
    Ans: When faced with underperformance in an investment like UTI Flexicap, it's essential to assess your options carefully. Here's a suggested approach:

    Review Performance: Evaluate the fund's performance relative to its benchmark and peer group over various time frames. Consider factors like consistency, volatility, and risk-adjusted returns.
    Understand Reasons: Research and understand the reasons behind the fund's underperformance. Assess changes in fund management, investment strategy, sectoral exposures, or market conditions that may have contributed to the performance lag.
    Assess Your Portfolio: Consider how UTI Flexicap fits into your overall investment portfolio. Evaluate its role in diversification, risk management, and alignment with your financial goals and risk tolerance.
    Consult with a Certified Financial Planner: Seek advice from a professional who can provide personalized guidance based on your individual circumstances. A Certified Financial Planner can help you assess whether to continue SIPs in UTI Flexicap or consider alternative options.
    Explore Alternatives: Research other mutual funds in the flexicap category that have demonstrated consistent performance and align with your investment objectives. Compare their track records, investment philosophies, and expense ratios before making a decision.
    Monitor Regularly: Regardless of your decision, continue to monitor the performance of your investments regularly. Stay informed about market trends, fund developments, and changes in your financial situation that may warrant adjustments to your investment strategy.
    Ultimately, the decision to continue or stop SIPs in UTI Flexicap depends on your assessment of its performance, your investment goals, and your risk tolerance. With careful consideration and professional guidance, you can make informed choices to optimize your investment portfolio.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 28, 2024Hindi
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    I am 30 years old earn 1.35 lakhs monthly. I have 55 Lakhs of Loan taken for 30 yrs and my Investments goes in PPF-1.5 Lakhs, NPS-50k, Mutual Fund(White Oak)- 5k, Parental Med Insurance-50k, Loan Insurance HDFC- 1.35 lakhs for 5 yrs(2 yrs completed), PF amount- Around 8k. I am not understanding how to save and repay my loan within 12-15 yrs. Please suggest how to manage. Where to fluctuate.
    Ans: Managing a significant loan burden alongside investments can be challenging, but with careful planning, it's possible to achieve a balance between debt repayment and wealth accumulation. Here's a tailored approach for you:

    Assess Loan Repayment Strategy: Given your loan amount and income, aim to accelerate repayment to reduce interest costs. Explore options like increasing EMI amounts or making occasional lump sum payments whenever possible.
    Prioritize Debt Repayment: Allocate a significant portion of your surplus income towards loan repayment while maintaining essential expenses and savings contributions. Consider adjusting your budget to free up more funds for this purpose.
    Optimize Investments: While continuing essential investments like PPF, NPS, and mutual funds, consider temporarily reducing contributions to free up more funds for loan repayment. You can gradually increase contributions once the loan burden reduces.
    Review Insurance Policies: Evaluate your insurance policies to ensure they align with your current needs. Consider maintaining adequate coverage while optimizing premium costs.
    Utilize Windfalls: Any unexpected income, bonuses, or tax refunds can be directed towards loan prepayment to accelerate debt reduction.
    Consider Refinancing: Explore options to refinance your loan at lower interest rates or shorter tenures to reduce overall interest costs and accelerate repayment.
    Track Progress Regularly: Monitor your loan balance, investment performance, and overall financial health regularly. Adjust your strategy as needed to stay on track towards your goals.
    Seek Professional Advice: Consult with a Certified Financial Planner who can assess your financial situation comprehensively and provide personalized guidance on optimizing debt repayment and wealth accumulation strategies.
    By adopting a proactive approach and optimizing your resources effectively, you can work towards both debt freedom and financial security. Remember, consistency and discipline are key to achieving your financial goals over time.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

    Asked by Anonymous - Jan 28, 2024Hindi
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    I am 38 yr old with 2 daughters 14 n 7 yrs old. I earn a monthly salary of 50k per month.I have invested in SIP just since last 4 months. Aditya Birla Sun Life digital India fund growth: 3000/- ICICI prudential commodities fund direct growth: 500/- Quant small cap : 1000/- SSY: 1000/- I have a monthly emi of 15k. And other expenses of 15k Please help with me know if the MF are fine to go ahead or should I stop. If so...pl suggest better ones.
    Ans: At 38, with two daughters and a monthly salary of 50k, your commitment to investing for your family's future is commendable. Let's review your current SIP investments:

    Aditya Birla Sun Life Digital India Fund: This fund offers exposure to the digital revolution, which can be a high-growth sector. Given the increasing digitalization trend, it's a promising choice for long-term growth.
    ICICI Prudential Commodities Fund: Commodities can be volatile and subject to market fluctuations. While they offer diversification benefits, they may not be suitable for all investors due to their inherent risk.
    Quant Small Cap: Small-cap funds can offer high growth potential, but they also come with higher volatility. They're best suited for investors with a high-risk tolerance and a long-term investment horizon.
    Sukanya Samriddhi Yojana (SSY): This government-backed scheme is an excellent choice for securing your daughters' future education and marriage expenses. It offers tax benefits and guaranteed returns, making it a reliable investment option.
    Given your financial responsibilities and investment horizon, it's essential to ensure that your portfolio is well-balanced and aligned with your risk tolerance. Consider consulting with a Certified Financial Planner who can assess your financial goals and recommend suitable investment options.

    While your current SIPs show diversity, you may want to review the ICICI Prudential Commodities Fund due to its higher risk profile. Instead, you could consider adding a diversified equity fund or a balanced fund to your portfolio for stability and growth potential.

    Remember, regular review and adjustment of your investment strategy are essential to ensure it remains in line with your financial goals and risk tolerance. With careful planning and professional guidance, you can build a robust investment portfolio that secures your family's future aspirations.
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    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    I want to invest 1000000 for 5 yrs. my age is 65 yrs
    Ans: As you embark on this investment journey at 65, it's crucial to follow a systematic process to ensure your financial goals are met while considering your age and time horizon. Here's a general roadmap:

    Define Your Goals: Clearly articulate your financial objectives for the next 5 years. Whether it's funding retirement expenses, leaving a legacy for your loved ones, or achieving a specific milestone, knowing your goals is the first step.
    Assess Risk Tolerance: Understand your risk tolerance and investment preferences. At 65, capital preservation may be a priority, but some exposure to growth assets could still be beneficial.
    Consult with a Certified Financial Planner: Seek guidance from a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can recommend suitable investment options tailored to your needs.
    Choose Investment Avenues: Based on your goals and risk profile, select appropriate investment avenues such as mutual funds, fixed deposits, bonds, or a combination thereof.
    Diversify Your Portfolio: Diversification is key to managing risk. Spread your investment across different asset classes and sectors to reduce vulnerability to market fluctuations.
    Monitor and Review: Regularly monitor your investments and review their performance. Adjust your portfolio as needed to stay aligned with your goals and changing market conditions.
    Stay Informed: Keep yourself informed about economic trends, market developments, and regulatory changes that may impact your investments.
    By following these steps and seeking professional guidance, you can navigate the investment landscape with confidence, ensuring your financial objectives are met over the next 5 years. Remember, it's never too late to invest wisely and secure your financial future.
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    Ramalingam

    Ramalingam Kalirajan  |928 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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    Hallo Sir, I'm Railway employee, aged 33 yrs, married and glad to have 8 months baby boy. My gross income Rs. 8,00,000/- Per annum... I have House building lone of Rs. 31,000/- pm. After all expenditure of per month. Deduction of NPS fund are there per month as the guide line of govt. Except the NPS deduction I have PPF account where I'm Investing of Rs. 1,500/-pm. Now I am determined to invest of Rs. 17,000/- pm per month to secure the future of my son and I have a long term goal minimum of 10 years. May please advise me where I shoud invest the Rs. 17,000/- pm. Let me also know how to invest the aforesaid amount in different ways to earn maximum profit. Thanking you in anticipation.
    Ans: Congratulations on the newest addition to your family! It's heartwarming to see your dedication to securing your son's future. With a clear goal of investing Rs. 17,000 per month for the next 10 years, you're taking a significant step towards long-term financial stability.

    Considering your circumstances, it's wise to explore a diversified investment approach tailored to your risk tolerance and financial goals. This might include a mix of equity mutual funds, debt instruments, and possibly even some exposure to balanced or hybrid funds.

    By diversifying your investments, you spread risk and maximize potential returns over the long term. Remember, investing is a journey, and it's crucial to stay focused on your goals while navigating market fluctuations.

    Consulting with a Certified Financial Planner can provide personalized guidance aligned with your aspirations. Together, you can craft a robust investment strategy that caters to your son's future needs and ensures financial security for your growing family.

    Your commitment to securing your son's future is truly commendable, and with strategic planning and prudent investment choices, you're laying a solid foundation for his bright tomorrow.
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    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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