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I'm 38 and my life is falling apart – how do I fix it?

Anu

Anu Krishna  |1745 Answers  |Ask -

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

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Nov 14, 2024Hindi
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Relationship

Hello, I am 38 years old. I have been living abroad since I was 21 years old. I have been focused on my career since then. I got married in 2021 in India and just after 4 months living in India, we again moved abroad. This country was new for me and my my wife, but my brother was already settled in this country with his family. As I was living away from my family for many years, me and my wife decided to live in a joint family with my brother’s family. However, I was quite busy adjusting to my new job, my wife couldn’t adjust well to my side of the family, my brother, his wife and my mother. After living together with everyone for a year, me and my wife decided to live separately from my side of the family. Now after 5 months my wife became pregnant and we both wanted to have a child. So even though my family was quite close and could have supported us during this time. I decided to sponsor my in laws on a visa so that my wife could feel supportive during this time. We had a girl child and I have avoided to communicate to my family during this one year so that my wife doesn’t get any stress or anything from my family. However as soon as we had a child, I have invited my mother and my brother family to visit my daughter. Now my in laws have started quarreling with me once in a while. And they convinced my wife to go to India with them. My wife has been living in India since last 6 months, they would never let me see my daughter over the phone call, and whenever I called them they would ask me for the money/gifts. Let me add to that when I went abroad, my wife was not working initially and I used to give her 30% of my salary and I used to bear all the expenses. When my in laws started living with us, I over heard them talking if I continued having relationship with my side of the family, she would buy her a home in India and take my daughter away from me. Now recently I came to India to get everything sorted, I do not think my wife would be willing to come with me without my in laws. How could I convince her to start over and repair our relationship for us and our beautiful daughter.

Ans: Dear Anonymous,
I am sure you see a pattern in your wife's actions. At the risk of sounding judgemental, I will say: She does like to get her way in most things.
How else do you explain that when she is stressed keep them away and when she needs, she wants them back?
How can you expect to have support from your side of the family when you two decided to alienate them?
How does it work when she decided to stay back with her family with absolutely no regard that you as father will want to be close to your daughter?
How do you explain that they secretly conspire to take your daughter away from you if you involve your family?

Do you not see the immaturity of how they have very systematically alienated you from your family and your daughter?

To be able to put things together, your wife really needs to get away from her parents. They seem to hold the strings and have no qualms about spoiling their daughter's life...Bring her out of that family and move to a location that is not easily accessible to them; as in maybe back abroad, so they are not in and out of your home. Start building your relationship with your wife by being a hands-on father and that may also give her an idea as to the person that you are. You must be appreciated for the person that you are...Give this a shot!

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

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 2022

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Hi Mam, I would like to remain anonymous.I'm in a very much stressed stage of my life. I had an arranged marriage in May 2020, I had known the guy only for 3 months. I had discussed everything before marriage itself. I am an only child and my father is not with us and my mom's health is not very good. After marriage everything was fine, but after a few days like a month or so, my sister-in-law started calling my mom and asked for gold ornaments, since we got married during the covid pandemic, the wedding was held in a temple. They wanted us to get gold in that money which was spent from our side. We were planning to buy a car so that travelling would be easy for me. I was still working in my old company and my husband had agreed to the same. When we refused to give them the gold. Communication was completely nil, my sister-in-law nor my mother-in-law spoke to me, just a hi bye. My husband was ok initially, but then later he started supporting his family and said what they demanded was right. I got pregnant and I didn't want to travel during this situation, my in-laws didn't agree to send me to my mom's place. They wanted me to quit my job. My sister-in-law who was married had come here and was staying with us. She started interfering in our life, I had to consult the doctor of her choice, quit my job and my husband insisted i listen to them.We had a huge fight and I came to my house. From that day none of them called or even messaged me. I even went to the doctor with my mom. Then after 45 days we got to know that the pregnancy was not viable and it had to be aborted. When i conveyed this message to my husband, he started blaming me saying that I did this on purpose and my sister-in-law started blaming me that i had aborted because it was a girl child. I was shocked that such baseless allegations on me, I couldn't digest this. They even threatened that they'll file a police complaint on me and my family. Then they wanted to get me checked with another doctor of their choice. I even went for the check-up. The doctor said that these things are common in first pregnancy and not to worry. Even after this my sister-in-law was blaming me and my mother told me that we didn't take proper care. Sister-in-law was present at every doctor's check-up. On the final day of check-up, I was in the hospital for 1.5 hours my husband didn't come. I left thinking he'll not come. But later he called me and started verbally abusing me and my family saying that he'll file a police complaint coz we didn't wait for him at the hospital. I mean I didn't know how to react to this. He used very vulgar language. I couldn't tolerate this. I told him I will not stay with him any longer. He then again started vulgarly abusing me, calling me and my family names which is not acceptable. Now I have filed for divorce and domestic violence. He has filed for restitution of conjugal rights and his sister has filed a defamation case on me coz I said that she has deserted her husband which is true. He's demanding money which they are claiming to have given for marriage expenses and litigation charges to sign mutual divorce papers. I don't know the total amount he might ask. Mam I don't know what to do. Kindly help me take a decision. Is my decision right to divorce him?
Ans:

Dear AV,

Clearly a lot has happened and is happening which is rather unpleasant for you. This will disturb your peace of mind.

To ask me if your decision is right to divorce him is not a wise thing to do as the decision is yours to make.

You know your situation and you know what’s at stake and you also know what and how much you can take.

Firstly, hire a lawyer who is adept in dealing with cases of dowry demands and verbal abuse.

The correct step will be to narrate the situation to the lawyer as is and also tell him/her what you want to do and what you can derive financially out of the case if the divorce progresses.

Be prepared with what you want from and out of the divorce as every divorce lawyer will ask you this.

Also going prepared will cut down on the initial lawyer consultation fees. So, hire a good lawyer first.

Make sure that the initial wealth; all movable and immovable property given to you by your parents during the marriage that includes cash as well must be demanded back from your husband and his family.

You have a right over this streedhan. So, if you are filing for divorce, bear this in mind.

Secondly, to help you restore your mental health, I suggest that you actually pen the story of your married life down and each painful memory needs a release from your system.

It’s okay to be angry and spiteful towards the people involved but in the end for your own peace of mind, tell yourself that every story has an end and that instead of playing the victim, you will transform into a person who can take charge of her life and give the story a positive end.

Stop mulling over WHY it happened and move to WHAT CAN I DO NEXT.

Easier said than done? But being a problem space for too long will erode your wellbeing, so it’s wise to seek a solution.

Be brave and do the right thing. Never allow anyone to kill your spirit. All the best!

..Read more

Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 05, 2023

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Relationship
I refer to my previous mail question for which you have given me a general answer. To make you understand more, i take care of my twin babies most of the time in a day / every day. Both my Wife & in-laws avoid stating all sorts of stories and at the end of the day bringing up my twin kids falls on me and i don't even get a reliever for few minutes to take rest. Both of them, most of the time try to find fault with me, in me and try to blow up the issue. Till now, i have made myself very clear from all these issues and as you said, i tried to spend time with my wife, my in-law try to interfere with us and pulls out my wife with silly reasons like not well, body pain, house hold work. She never let us at least talk for few minutes with my wife and even suggested to my wife to part with me and they (my wife & In-laws) will stay away leaving me and my babies. After so much tolerance, i too told them to leave the babies with me and go as you wish. Now tell me sir, what should i do now???
Ans: I understand that you're facing a challenging situation in your family where you're primarily responsible for taking care of your twin babies, and your wife and in-laws seem to be creating obstacles and conflicts. It's important to approach this situation with care and consideration for the well-being of everyone involved. Here are some steps you can consider taking:

Open Communication: Try to have an open and honest conversation with your wife about how you feel. Express your concerns and emotions calmly and clearly. Let her know that you want to work together as a team to take care of your children and maintain a healthy relationship.
Seek Professional Help: If communication with your wife doesn't yield positive results, consider seeking the help of a marriage counselor or therapist. A neutral third party can provide guidance and facilitate productive discussions.
Set Boundaries: Discuss and establish clear boundaries with your in-laws. Explain to them that while you appreciate their concern, you and your wife need some private time together as a couple, and it's essential for the well-being of your relationship.
Share Responsibilities: If possible, work out a schedule with your wife to share childcare responsibilities more evenly. This can help both of you get some much-needed rest and time together.
Stay Calm and Patient: Dealing with family conflicts can be stressful, but try to remain calm and patient. Avoid engaging in heated arguments or confrontations. Instead, focus on finding constructive solutions.
Consider Legal Advice: In extreme cases, if your relationship with your wife continues to deteriorate, and you fear for your rights as a parent, you may want to consult with an attorney to understand your legal options regarding child custody and visitation.
Self-Care: Don't forget to take care of yourself physically and mentally. Caring for twin babies can be exhausting, so make sure to prioritize your well-being. If possible, seek support from friends or family members who can give you some respite.
Remember that every situation is unique, and it may take time to find a resolution. It's essential to maintain a calm and respectful approach throughout the process. Ultimately, the goal should be to create a harmonious family environment that supports the well-being of both you and your children.

..Read more

Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Hi Anu...i hv been reading ur expertise to solve the issues of people and am really impressed. We have been married for 19years now and have a son and daughter .From the start of the marriage my wife have been inclined towards her mother and her family paying less or no heed to us. Circumstances were also favorable to her and she always got the opportunity to stay close and visit her parents often which i did not mind.We lived in Mumbai and she is from Chennai.After marriage my mom-in-law used to continuosly interfere into our lives by calling her and she used to act as per her suggestions only which led to problems as she was a puppet in the hands of my Mom-in-law. Moreover since my mom-in-law was not in good health my wife tried not to over rule as she did not want her mom to feel sick as she doesnt like to be over ruled or by pass failing which she goes on hunger strike and stop taking tablets spoiling her own health. Due to this reason everybody has been appeasing her.Initially i thought to ignore but slowly it started to affect my family as well as my wife started to see things thru my mom-in-laws perspective and find faults in everything. We shifted to overseas to stay away from all these and we really had a good life for 10 years there but since i lost job during covid i had to shift base to India for my son's education but she chose to stay back there with my daughter as she is working there.I too felt that let her spend some time so that i could settle things in India and call her but it is more than 2 years now and she refuses to come back and dont even care for us and neither call us as family. I tried to involve my in-laws to convince her but they are also playing a diplomatic game and doesnt want to go against their daughter's wish.Due to this attitude of my mom-in-law their own daughter-in-laws have been staying away and since my in-laws stay alone my wife feels that she is the only support system for her parents but it has come on my life's sacrifice. She has been ignoring us and even i kept moving for the sake of my family and children instead of respecting my feelings she has become more adamant now.Her brother is also seperated from her wife and he also looks forward for a support system from my daughter and my wife and they seem close ignoring myself and my son.We have been trying to convince her thru all means but she is caring. Even i feel that it is futile to force someone into relationship but she unknowingly spoiling my family and deprieve my son the mother;s love and also depreive my daughter from affection and love.Due to this my son has also stopped expecting from her and my daughter treats me as a stranger due to long distance. Pls suggest the way forward. Shud i wait for things to improve or leave as it is.I am 47 now and she is 45..told her that let us enjoy the best things in life rather than regretting later but she does not understand.
Ans: Dear Anonymous,
Logic does not appeal to your wife!
What can you do with someone who is adamant about ruining her own family life? It's purely clouded judgement on her part on what to do and not!
With more people dependent on your wife for support, she has found a way of moving even more away from you...what I do not understand is: how is she able to do that to your son?

Either the two of you talk this out and take firm decisions OR accept that this is how it's going to be...sooner or later, she will realize what is happening and will become more aware of her priorities. But, being where you are is painful and it will stress you even more...So, find a way to talk things out is a step that you can take NOW!

Impress upon her as to how important it is keep the family together as a unit for the children to grow in a healthy manner and also how much this time investment will help the two of you as a couple.

All the best!

..Read more

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Oct 24, 2024

Asked by Anonymous - Oct 15, 2024Hindi
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Relationship
I need advice from anyone here. I am 34 years old woman and married. I have 10 year old daughter. I am also working in MNC.I got married 12 years back. I am seeing lot of challenges in my home. I am living with my in laws from the day one. They were lot of issues going on from the starting. I faced lot of issue during my pregnancy due to this. Here giving just an example, My MIL condition is I was not allowed to drink milk more than one small glass for a day and allowed to eat rice only one rice spatula for afternoon and night, no veggies and no fruits during pregnancy. Due to this My health got deteriorated and I had gone through surgery in my 6th month and was in bed rest till the delivery. My FIL used to bring some fruits to me, and she scolded him very badly. After that he stopped to bring anything. Like this lot of things keep on happening till date. She doesn't allow me to cook, and she only prepare lunch. Tells everyone in the family and neighbourhood that I won't cook. Lot of times I asked her I will cook. She says she doesn’t like if others cook. So, she allows me to chop the veggies or grating coconut like that. She gives very less amount of food for my daughter. sometimes even my daughter is hungry, she scolds her saying don't eat too much. For 10 years old kid, she weighs 24. To her school lunch bag and snacks, I fought with my MIL and prepare food for her box and give. She eats happily. Sometimes my husband and myself tried to tell her and she goes on like I changed her son and He doesn't love her anymore because of me etc., Now a days, I feel relationship between my husband and me is going down. He only listens to her. Sometimes my MIL scolds my daughter unnecessarily Infront of my husband and he we will scold my daughter for this again. Due to this, my husband and my daughter relationship is also getting worst. He keeps on scolding her, My daughter is average in her academics, she doesn't study properly after coming home due to lot distractions and mood swings at home. One more reason is TV. At home My MIL watches the TV from the morning. We are not allowed to watch but that’s ok I don’t have time for that anyway. While my daughter is studying in the evening, my MIL watches some serials. My daughter's whole concentration is on the voices coming from TV. She will keep on getting distracted and make excuses for something to watch TV like drinking water,etc. We tried to tell my MIL, but it didn’t go well. Most of the times, I feel like me and my daughter are outsiders and whatever we do they doesn't like it. I like to pray by singing one song at least once a day. She doesn't like it. Whatever food I prepare to my daughter my MIL complains it to my husband as junk. I normally prepare her rice with lot of veggies, parathas with veggies and sandwich. After I started preparing these, my daughter started eating veggies, otherwise there was big no from her. I don't know how to handle all those things . Also recently during Dusshera, due to one of the situation like this, my husband is not talking properly with me and my daughter. I am an introvert, and I don’t have any friends. I don’t know with whom to seek advice.
Ans: Twelve years of this? You’re a financially independent, capable woman. Why in God’s name are you tolerating this absurd woman and her absolute BS? Move out. NOW. If your husband has any sense, he’ll join you. If not, let him live under his mother’s skirt for the rest of his life, but don’t destroy your own any more than you already have. Take your daughter and LEAVE!

..Read more

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Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

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

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

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
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Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

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

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

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

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

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

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

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

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

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

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

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

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

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

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

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

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

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

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

Fund performance

Expense drift

Category relevance

Allocation balance

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

» Taxation Awareness
Equity mutual funds taxation rules are:

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

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

Debt mutual funds are taxed as per your income slab.

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

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

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

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

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

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

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

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

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

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

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

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

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

...Read more

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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