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Kanchan

Kanchan Rai  |552 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 - Mar 20, 2024Hindi
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Relationship

Hello..I am 36 hrs old, a doctor, got married for 2nd time in Apr 2022. My 1st marriage was with a doctor in 2011 but we hardly stayed together for 1 month since he was away in another state for higher education. Indifference arose and we got separated soon after 6 months and got divorced 5 yrs later. Then i did job on off and finally finished my post graduation in 2024. During my post graduation i wanted to desperately get married for 2nd time as my age was increasing and i was feeling very lonely and wanted to settle down n have kids. I met a guy (he too a doctor and divorced) on matrimony. He approached me. We started talking, meeting. Everything was going good. But his mother was against our relationship. In between the guy too cut the contact with me. But i was wo trully in love with him that I wanted to marry him only. Somehow we got connected again. He came to my place and we lived together. He said he can't get married so soon. He said he would marry me only of i wl get pregnant.then i got pregnant and finally he married me in temple. Soon i delivered our child and his parent's accepted me n i went to his house to stay. There we used to have lots of fights as he revealed his true nature of being extremely KANJUS. his whole family was extremely kanjus. My husbnd doesn't like to spend a single Rs too and he doesn't like it if i spend my money too. We used to have frequent fights. Then hardly after 2 months, his mother called my parents and she told them that their sje could not tolerate me and i should leave tbeor house ASAP! I became very furious as my baby was jst 4 months old. Where would i stay alone with my child as i was studying. I called police to intervene and my mother in law got very angry, she cursed me in front of police- she called me a pros***ute. (This was her thinking- any woman who marries for 2nd time is a pros***ute!!!) Finally that night around 10pm i left her house with my child and some essentials. My parents stayed with me to look after my child. My husbnd kept visiting me on weekends. But my husbnd used to avoid me, block my calls. He never paid for my daughter's expenses too. A year have been passed. I have sent my baby to my parents house 6 months back as they wanted to go back as they stay in different state. Now my husbnd has cut all the ties, he has blocked me everywhere and he never called to enquire about our child in last 8-9 months. Last time when my father called him- he said he didn't wanna stay with me and I either can keep our child with me or i can give the child to him for rest of the life. I slipped into depression after all these. I messed up in my exams. I'm so disturbed that i had thought of ending my life many times but i reminded myself about my child. Now I don't know what to do. I talked him about divorce but he said he won't give me a single Rs aftr divorce since i am also earning. My parents too don't want me to go for a divorce 2nd time in my life as they are worried- our relatives and society will shame them. I want to bring my child back but i am worried- how will i take care of my baby since i am working. Please help. Keep me anonymous please.

Ans: I'm truly sorry to hear about the challenges you're facing. It sounds like you're in a very difficult situation, but please know that there are options available to you and support systems that can help you through this.

Firstly, it's important to prioritize your and your child's safety and well-being. Given the circumstances, it might be beneficial to seek legal advice from a lawyer who specializes in family law. They can help you understand your rights and options regarding custody, child support, and divorce.

Regarding your depression, it's crucial to seek professional help. Depression is a serious condition that requires treatment, and there are therapists, counselors, and support groups available to provide you with the support you need.

In terms of bringing your child back, you may need to explore options for childcare that accommodate your work schedule. This could include hiring a nanny, enrolling your child in daycare, or seeking help from family members or friends.

As for the societal pressure and fear of judgment from relatives, remember that your well-being and your child's well-being are the most important considerations. It's essential to prioritize your own happiness and safety rather than worrying about the opinions of others.

Please don't hesitate to reach out to support services such as hotlines, counseling services, or support groups for assistance and guidance. You're not alone, and there are people who can help you navigate through this challenging time.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1540 Answers  |Ask -

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

Asked by Anonymous - Jul 10, 2024Hindi
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Relationship
My husband and I met through a matrimonial site in 2015. He send me request and called me over phone. At that time,I was doing as govt teacher job residing in an area which is 300 km away from my city. He met me at my rented house and proposed for marriage. He asked my age but I hesitated to tell my age as I was almost 40 years then. He told me that it would not matter if I would be older than him. He was also about to 4o then. I didnt tell my age age, as I wanted to get married, because I had my younger sister to marry. He was working in a different state that time. He sent his father to our home to fix marriage. His father asked my age but because of shame, I could not tell my real age. I told them Iwas 36. We were married in 2016 April. By that time my job was transferred to my ho.e city. So I was at my in laws home during 2016 and 2017. My inlaws i.e my father in law and my unmarried sister in law were never supportive to me. They always treated me as outsider. As my husband and me were livi g apart because of job we couldnot plan for baby. We both were pretty older to conceive naturally, so I contacted an ivf specialist. The doctor told that I have less chance to conceive naturally as my egg quality is not good. It was not impossible though. But since we were living apart, he suggested me to go for donor ivf. I was broken for a moment as I wont be able to give birth my own child. But I had to make my husband a father. So I went for do or egg ivf. In June 2018 a beautiful baby girl was born. I was very happy to get her. But pI noticed his father started to drink alot after her birth. He got tranfer of his job in 2019 and he took me from his ho.e to company quarter in home city in 2019 August. It was okay initially, but he drank a lot which I couldnot bear as l was from a totally non drinker family. He even said he could leave me but not drink. In 2020 hecame to know my real age from my matriculation certificate. He was seen upset, I apologise to him for not telling him my real age. I also told him about my and our family condition at that time. He cuddled me and said that he was not that kind of person. To be mentioned here, he is 6 month younger than me. But gradually his behaviour was changing, always treat badly at very very small things. In 2021 he again hot temporary transfer to a different place which is 500 km away from our homè. During this time he totally cut co tact with me. When I was having Corona and was hospitalized with my 3 years he didn't come to visit us. In 2022 January he was back home. He took my mother to stay with us. From March 2022 he started asking for mutual divorce. I was shocked. Since I didnot agree to that he filed a divorce case against me in 2023 August. Now It has been about one year, we are in concillation process. We are still living together. We are having physical also. Sometimes he becomes good but he always attend the concelling and says that he wants divorce for sure. I dont want divorce as my daughter loves him so much. I dont want to break the family, he is providing food, my daughter's school fees etc. I also do a job, so I dont need money from him. Only I wantvto stay as family.Is there any way to change his mind ? My job is contractual, so I dont have job security. He gets a handsome salary like 1.5 lacs per month with all medical and other facilities. Please suggest, how can I change his mindset or what may cause him to divorce me. I trust him. He also trusts me. He has mentioned only age criteria for divorce.
Ans: Dear Anonymous,
Any relationship that starts on a foundation of Lies is bound to go wrong. I am sure you had your reasons for hiding your real age.
Now, this has become a bone of contention between the two of you.
Also, staying apart has not really helped the two of you bond and the fact of not being able to go through the natural process of pregnancy which helps couple bond also eluded the two of you.
What does not make sense is why after the birth of the child, he has taken up to drinking. Did he see the whole process as a failure of marriage? Do go through the recommended number of counseling sessions and be sure to mention that you want the marriage.
But, its no use if your husband does not want the same. Allow the counselor to do their job and there's one thing that you can do. Genuinely apologize for hiding your real age. Maybe when he sees and feels your apology, he maybe willing to forget all about the lie. Genuine apology, please...

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

Ravi

Ravi Mittal  |539 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 28, 2024

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Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married What should I do
Ans: Dear Akriti,
After reading your question I can only give you one advice, please do not marry him no matter what people say. Even if we overlook every other red flag that he has exhibited, abuse of any form is unacceptable. Why are you trying to convince your parents to marry a guy who hits you? Do you think you deserve it or anyone, for that matter, deserves that?
Now, no matter who tries to manipulate you, or however much they try to convince you, get out of the relationship for the love and self-respect you have for yourself. It is a big decision but in your case, it is worth making that big decision. I'd normally never tell people they should this or they shouldn't do that, but in your case, no sane person would ever suggest you marry this man and be subjected to abuse for the rest of your life.

Please make the right choice.

Best Wishes

..Read more

Ravi

Ravi Mittal  |539 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 15, 2024

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Relationship
Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married What should I do
Ans: Dear Akriti,
After reading your question I can only give you one advice, please do not marry him no matter what people say. Even if we overlook every other red flag that he has exhibited, abuse of any form is unacceptable. Why are you trying to convince your parents to marry a guy who hits you? Do you think you deserve it or anyone, for that matter, deserves that?

Now, no matter who tries to manipulate you, or however much they try to convince you, get out of the relationship for the love and self-respect you have for yourself. It is a big decision but in your case, it is worth making that big decision. I'd normally never tell people they should this or they shouldn't do that, but in your case, no sane person would ever suggest you marry this man and be subjected to abuse for the rest of your life.
Please make the right choice.

Best Wishes

..Read more

Anu

Anu Krishna  |1540 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 10, 2024

Asked by Anonymous - Oct 10, 2024
Relationship
Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married as the society will insult our parents. I am getting married in November only for my parents but I have already made up my mind that I'll divorce him after 1 year of mairrage and will live my life alone. Am I thinking right? What should I do?
Ans: Dear Anonymous,
No, you are not thinking right at all...This man is all RED FLAGS...
Are you actually thinking of spending one year with a person who physically abuses you? Seriously?
And then you expect him to agree to that divorce without any fuss? What world are you in? No compromises on your life please...
Be wise and protect yourself...

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

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi
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Mere pass Parag Parikh flexicap,Sbi mid cap, axis small cap ,Motilal Oswal midcap and Quant small cap fund hai in sabhi me meri SIP chal rahi hai, abhi Stock market me bahut correction hua hai mujhe lumsum investment karna hai toh inme se kis fund me karu..?
Ans: Investing a lump sum after a market correction can be a good opportunity. However, choosing the right funds requires proper analysis.

Assessing Your Current Portfolio
Flexi-cap fund: This fund invests across large, mid, and small-cap stocks. It provides diversification and stability.

Mid-cap funds: These funds invest in mid-sized companies. They offer high growth potential but come with more volatility.

Small-cap funds: These funds invest in smaller companies. They have the highest return potential but also the highest risk.

Your portfolio already has a mix of flexi-cap, mid-cap, and small-cap funds. Adding more funds from the same categories may lead to over-diversification.

Factors to Consider Before Investing Lump Sum
Market correction does not mean all stocks are undervalued. Some stocks may still be expensive.

Mid-cap and small-cap funds are volatile. Investing lump sum in these funds can be risky.

If you have a high-risk appetite, invest in small-cap or mid-cap funds. However, avoid putting the entire amount in one fund.

If you want balanced growth, allocate more to flexi-cap funds. These funds can shift between large, mid, and small caps based on market conditions.

Instead of lump sum, consider a systematic transfer plan (STP). This helps in averaging the investment over time.

Where to Invest the Lump Sum?
If you want lower risk: Invest in a flexi-cap fund. It provides stability and long-term growth.

If you want moderate risk: Invest in a mid-cap fund. These funds have strong growth potential.

If you want higher risk and higher returns: Invest in a small-cap fund. However, stay invested for at least 7-10 years.

If you are unsure, split your investment. Invest in a mix of flexi-cap, mid-cap, and small-cap funds.

Final Insights
Your portfolio already has exposure to different categories. Avoid adding too many funds.

A systematic transfer plan (STP) is better than lump sum investment in a volatile market.

Review your risk tolerance before investing in mid-cap and small-cap funds.

If markets fall further, consider staggered investing instead of putting all money at once.

Stay invested for the long term and review your portfolio regularly.

With the right strategy, your investments can grow steadily over time.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

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Iss time pe Flexicap,Midcap and Small Cap mutual funds kisme lumsum investment karna chahiye..?
Ans: Investing in flexi-cap, mid-cap, and small-cap mutual funds through lump sum requires careful analysis. Timing, market conditions, and personal financial goals should be considered before investing.

Understanding Market Conditions
Flexi-cap funds: These funds invest across large, mid, and small-cap stocks. Fund managers have the flexibility to shift allocation based on market trends.

Mid-cap funds: These funds invest in mid-sized companies. They have higher growth potential than large caps but come with more volatility.

Small-cap funds: These funds invest in smaller companies. They offer high return potential but carry the highest risk.

Current Market Scenario: Mid-cap and small-cap stocks have seen strong rallies. Investing through a systematic transfer plan (STP) may be better than a lump sum.

Best Approach for Lump Sum Investment
Avoid investing the entire amount at once. Markets can be volatile, and a sudden drop can impact your returns.

Use a systematic transfer plan (STP). Park the lump sum in a liquid fund and transfer it gradually into equity funds.

Diversify across market caps. Do not invest only in mid-cap and small-cap funds. Flexi-cap funds provide balanced exposure.

Check valuations before investing. If mid-cap and small-cap indices are trading at high valuations, wait for corrections.

Consider your risk tolerance. Mid-cap and small-cap funds are volatile. Invest only if you can stay invested for at least 7-10 years.

Which Category is Suitable for You?
If you want stable growth with lower risk: Invest in flexi-cap funds.

If you can handle moderate risk and aim for higher returns: Invest in mid-cap funds.

If you have a high-risk appetite and a long-term horizon: Invest in small-cap funds.

If markets are at high valuations: Invest in balanced advantage or hybrid funds instead of pure equity funds.

Final Insights
Investing in mid-cap and small-cap funds requires patience. Returns may be volatile in the short term.

A systematic transfer plan (STP) is better than lump sum investment in volatile markets.

Diversify across flexi-cap, mid-cap, and small-cap funds based on your risk profile.

Review your investments every year and rebalance if needed.

With the right strategy, your investment can grow steadily over time.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

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Hi Sir, I have 2 goals - Kindly review my portfolio and let me know if the asset allocation is good to go. Retirement: 10+ years, SIP Value: 15k per month Nippon India Index Nifty 50 growth direct plan - 50% Kotak Nifty Next 50 Index Growth Direct Plan - 15% Motilal Oswal Nifty Midcap 150 Index Fund - Direct Plan - 15% Parag Parikh Flexi Cap Fund - Direct Plan -20% 7 Year Goal (Education, Marriage and buying car): SIP: 28K per month I am confused which portfolio to proceed for this goal. Can you review and confirm which one is good to proceed. Portfolio 1: Nippon India Index Nifty 50 growth direct plan - 25% Kotak Nifty Next 50 Index Growth Direct Plan - 15% Parag Parikh Flexi Cap direct growth - 20% HDFC Balanced Advantage Fund - Direct Plan - 40% Portfolio 2: Parag Parikh Flexi Cap direct growth - 30% HDFC Flexi cap direct growth - 30% HDFC Balanced Advantage Fund - Direct Plan - 40%
Ans: Your investment approach is structured and goal-based, which is excellent. I will review your portfolio and suggest improvements for better diversification and risk management.

Retirement Portfolio (10+ Years Goal)
Your retirement portfolio has the following allocation:

50% in a Nifty 50 index fund
15% in a Nifty Next 50 index fund
15% in a midcap index fund
20% in a flexi-cap fund
Observations:

Overexposure to index funds: Index funds have limitations, such as being market-cap weighted. This may lead to inefficiencies, especially in volatile markets. Actively managed funds have the potential to outperform index funds.
High allocation to large caps: While large caps provide stability, they may not generate high returns in the long term.
Lack of small-cap exposure: Small caps have the potential for higher returns over a long period.
No international diversification: Adding international equity funds can reduce risk and enhance returns.
Recommended Changes:

Reduce index fund allocation and increase exposure to actively managed funds.
Increase flexi-cap and midcap exposure for better growth potential.
Consider adding a small-cap fund for higher long-term returns.
Allocate a small portion to an international equity fund.
7-Year Goal (Education, Marriage, and Car Purchase)
You are investing Rs 28,000 per month and considering two portfolios.

Portfolio 1:
25% in a Nifty 50 index fund
15% in a Nifty Next 50 index fund
20% in a flexi-cap fund
40% in a balanced advantage fund
Portfolio 2:
30% in a flexi-cap fund
30% in another flexi-cap fund
40% in a balanced advantage fund
Observations:

Index funds are not ideal for short-term goals: Index funds can be highly volatile in a 7-year timeframe. Actively managed funds provide better risk-adjusted returns.
Lack of debt allocation: A 7-year goal needs some debt exposure for stability. Balanced advantage funds offer some protection, but a dedicated debt fund is better.
Overdependence on balanced advantage funds: These funds adjust equity-debt allocation dynamically, but they may not be the best for all market conditions.
Recommended Approach:

Reduce index fund exposure and add actively managed multi-cap and midcap funds.
Allocate at least 20% to high-quality short-duration debt funds for stability.
Consider a hybrid fund that balances equity and debt more effectively.
Final Insights
Your goal-based approach is commendable. Some modifications will improve diversification, stability, and potential returns.

Reduce index fund exposure and add actively managed funds.
Increase exposure to midcap, flexi-cap, and small-cap funds for retirement.
Add a small international equity fund for diversification.
Introduce short-duration debt funds for your 7-year goal.
With these adjustments, your portfolio will be well-balanced and aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Jan 23, 2025Hindi
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I am 24, and I have around 1 lac in pf and 1.5 lac in mutual fund as I am investing around 25k per month, 70% in midcap and 30% in large cap, how to invest to have at least 1 crore before I turn 30?
Ans: You are 24 and already investing well. Your goal of Rs 1 crore before 30 is ambitious. You need the right strategy to achieve it.

Assessing Your Current Investments
You have Rs 1 lakh in PF and Rs 1.5 lakh in mutual funds.

You invest Rs 25,000 per month.

Your portfolio is 70% mid-cap and 30% large-cap.

Strengths in Your Investment Approach
You started early. This gives time for compounding.

You invest regularly. SIPs build discipline.

You have growth-focused funds. Mid-cap funds can give high returns.

Challenges to Achieving Rs 1 Crore in 6 Years
Market volatility. Mid-cap funds fluctuate more.

Time frame is short. Equity needs at least 7-10 years.

High return expectation. Achieving Rs 1 crore in 6 years is difficult.

Steps to Improve Your Strategy
Increase Investment Amount
Rs 25,000 per month may not be enough.

Try to increase it to Rs 35,000–40,000 per month.

Use yearly salary hikes to boost SIPs.

Balance Your Portfolio Better
Mid-caps are good but risky.

Reduce mid-cap exposure to 50%.

Increase large-cap allocation to 40%.

Add 10% flexi-cap funds for stability.

Use Lump Sum Investments
Invest any bonuses, increments, or extra income.

Avoid keeping too much in PF, as equity gives better returns.

Avoid Index Funds and Direct Plans
Index funds cannot outperform markets.

Active funds are managed by experts and can generate better returns.

Invest through a Certified Financial Planner (CFP) for the best selection.

Tax Considerations
LTCG above Rs 1.25 lakh taxed at 12.5%.

STCG is taxed at 20%.

Plan redemptions wisely to save tax.

Finally
Your goal is aggressive but possible with discipline. Increase your SIPs and maintain asset allocation. Invest wisely through Certified Financial Planner (CFP) and MFD. Stay focused, and you can reach your target.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Mai 25 sal ka hu 6 sal nokri ho gye army mai shadi nahi ki abi 61000 pay hai samj nahi aa rahi kass investment kru
Ans: I will provide a detailed investment plan for you based on your age, income, and financial situation.

Financial Security Comes First
Emergency Fund: Keep at least 6 months' expenses in a bank FD or liquid mutual fund.

Health Insurance: Even if the army covers you, get a personal Rs 10-20 lakh health policy.

Term Insurance: If you have dependents, buy Rs 1 crore term insurance.

Investment Plan Based on Goals
Short-Term Goals (1-3 Years)
Keep funds in a bank FD or ultra-short-term mutual fund.

This is for urgent needs like a vehicle or course fees.

Medium-Term Goals (3-7 Years)
Invest in balanced mutual funds to grow wealth safely.

These funds balance risk and reward.

Long-Term Goals (7+ Years)
Invest in actively managed equity mutual funds through SIPs.

Choose a mix of large-cap, mid-cap, and flexi-cap funds.

Avoid index funds, as they cannot outperform the market.

Investing through a Certified Financial Planner (CFP) and MFD ensures better fund selection.

Asset Allocation for You
50% Equity Mutual Funds (for long-term wealth creation).

20% Balanced Mutual Funds (for medium-term stability).

20% Bank FD or Liquid Funds (for short-term needs).

10% Gold ETF or Sovereign Gold Bonds (for diversification).

Tax Considerations
Equity mutual fund gains above Rs 1.25 lakh taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your income slab.

FD interest is also taxable.

Finally
You are young and earning well. Start early to build wealth. Follow the right asset allocation. Investing with a Certified Financial Planner (CFP) helps avoid mistakes. Stay invested for the long term.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

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Hi I purchased my parents house by paying half amount to my brother and paying a loan of 45k per month now the property value is in good appreciation but lacking in financial stability I want to sell my property now and purchase new property in outskirts of city and want to invest 10 percent in mutual fund and remaining amount to do fd with monthly income is it a good move
Ans: You purchased your parents’ house by paying your brother’s share and taking a loan. Now, the property value has appreciated, but you face financial instability. You are considering selling the house, buying another one on the outskirts, investing 10% in mutual funds, and putting the rest in fixed deposits (FDs) for monthly income. Let’s analyse if this is a good decision.

Financial Challenges of Holding the Current Property
High Loan EMI Pressure

You are paying Rs 45,000 per month as EMI. This is a financial burden if your income is not stable.

Liquidity Issues

Most of your wealth is locked in the property. You may not have enough emergency funds.

Opportunity Cost

The property value has increased, but it does not generate regular income. Holding the house may not be the best financial choice.

Selling and Buying Another Property: Pros and Cons
Advantages of Selling
Debt-Free Life

If you sell, you can clear your home loan. This removes EMI pressure.

Better Financial Stability

You will have liquid funds to manage your expenses and investments.

Disadvantages of Buying Another Property
New Property May Not Appreciate Quickly

Properties in city outskirts may take longer to appreciate. Demand is usually lower.

Additional Costs Involved

Buying a new house involves stamp duty, registration fees, maintenance, and taxes.

Liquidity Issues Continue

If you reinvest in another house, you may again face cash flow problems.

Investment Plan for Better Stability
You are considering investing 10% in mutual funds and putting the rest in FDs for monthly income. Let’s evaluate this plan.

Mutual Fund Investment: A Better Approach
Growth Potential

Mutual funds offer inflation-beating returns over the long term.

Flexibility

You can withdraw through a Systematic Withdrawal Plan (SWP) instead of locking funds in an FD.

Tax Efficiency

Long-term capital gains tax on equity funds is only 12.5% above Rs 1.25 lakh. This is better than FD taxation.

Fixed Deposits: Limited Benefits
Lower Returns

FD interest rates are lower than inflation. This reduces your purchasing power over time.

Tax Disadvantage

FD interest is taxed as per your income slab. This reduces your post-tax earnings.

Lack of Growth

FDs do not allow wealth accumulation over time.

Better Strategy for Financial Stability
Sell the Current House to Reduce Debt

This removes EMI stress and improves your financial flexibility.

Avoid Buying Another House Immediately

Instead, rent a house in the desired location. This keeps your money liquid.

Diversify Investment

Allocate a portion to mutual funds for long-term wealth creation.

Keep some funds in short-term debt funds instead of FDs for better tax efficiency.

Maintain an emergency fund in a savings account or liquid funds.

Finally
Selling the house is a good decision if you struggle with financial stability.

Avoid locking funds in another house, as it may cause liquidity issues.

Invest wisely in mutual funds and liquid assets for a balanced financial future.

A Certified Financial Planner (CFP) can guide you on tax-efficient investments.

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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