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Kanchan

Kanchan Rai  |554 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 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
Amber Question by Amber on Nov 14, 2024
Relationship

Hello I am a 40 year old married female. Off late I started feeling attracted to my married Male Friend of last 5 years. I love my husband a lot and can never think of betraying him. But I feel happy in the company of this friend of mine. He sort of has the qualities i always wanted from my husband and as we all know not everyone can possess every quality. I was aware about his liking towards me like he used to flirt with me someway or other also recently he admitted the same to me that he likes me since our first meeting. As we are family friends and stay in the same building, we keep meeting often with family and sometimes only two of us as we like spending time talking to each other. In our recent visit we hugged each other in the rush of emotions. We both got just blown away by the surreal feeling. We admitted the same to each other. After this meeting we kept messaging each other the whole day and so on for next few days and suddenly one day he said he fears this might ruin our family friendship and started ignoring and maintaining distance, he stopped messaging or calling me without discussing anything. But now I am attracted to him so much that I can not take his absence or apathy towards me and want to have cordial relations like we were before, when it was not vocal between us that we like each other. I am not able to adjust to the fact that the person who used to admire and respect me so much and wanted to have a lifelong friendship can become suddenly so distant. I want an advise whether I am wrong in expecting atleast a normal relation like friendship to continue between us. As we have never crossed our boundaries and hugging once will not count as betrayal. Please guide I want him back as before.

Ans: a close relationship with someone outside your marriage, especially when emotions are involved, introduces challenges. You’re aware of this already, and it seems your friend has also recognized the complexities, likely explaining his sudden need for distance. Often, when feelings come to the surface, they carry a weight that makes people reconsider their boundaries to protect the larger relationships at play—in this case, both of your marriages and family dynamics. This pullback doesn’t negate his admiration or the value he places on your friendship but rather reflects the reality of the situation and the need to guard against further complications.

You might find it helpful to explore what exactly you’re drawn to in your friend’s qualities. It could be that he reflects an aspect of yourself you wish to bring into your own relationship. Identifying these qualities is powerful, as it can help you shape a conversation with your husband, potentially bringing deeper fulfillment to your marriage. Many couples find new dimensions in their relationship when they openly discuss what they yearn for and ways to bring those qualities to life together. While it may feel challenging, these conversations can foster intimacy and growth.

It’s also worth noting that maintaining your friend’s respect and allowing him space is likely the best way to preserve your connection long-term, even if it feels painful right now. His distance might ultimately help both of you return to a place of friendship, but pushing for that too soon might complicate things further. In the meantime, remember that it’s natural to feel a loss or a longing for a friend’s company when circumstances shift. Practicing self-compassion and care can be grounding during times like this, as can seeking other outlets for support, such as close friends, hobbies, or moments of solitude that allow you to process your emotions.

Time and patience may help bring this friendship back to a more natural and comfortable place, but focusing on your marriage and yourself will allow you to stay true to your values and find a sense of peace, regardless of the ultimate outcome with your friend.

You may like to see similar questions and answers below

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

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Relationship
Hi Anu, I am a married 27 yr old girl pursuing my medical PG degree in a college and my husband is also fellow doctor residing in another city. I stay in a hostel and I was in a relationship with a guy during my UG days. Actually he used to be my best friend. We are a gang of 4 and no one knows about my relationship except us both. We moved on due to caste issues and foreseeing the problems after marriage in our families. We are in touch with each other. He got PG degree in my college and seeing him is haunting my memories though we talk casually and not on regular basis. My husband knows about us and asked me to avoid him. But I can't give up on my friendship. Can a friendship aged in love not be reverted to friendship?
Ans:

Dear DR,

Feelings aren’t something that can be set aside that easily.

To lead a different relationship than the one that you were in with the same person requires a lot of emotional maturity from both of you to make this real and honest.

If you look at it from the point of view of your husband, he might either be insecure about this, or he can foresee a situation up ahead which might not be very pleasant.

You have mentioned that seeing him is bringing back memories.

Are you really ready to maintain a friendship without the feelings coming in the way? Are you ready to manage what this might do to your husband?

If you are ready and be objective about all of this, then first sit your husband down and talk to him and his fears.

Reassure him but like any relationship, all this requires a lot of work and then it’s also time to ask yourself, is this all worth it and do I really need to do this?

Also, is the other person from your past, also willing to understand that this requires him to put your marriage above his needs?

So, check with yourself what and how much you can handle and whether you are ready for this new challenge?

Best wishes!

..Read more

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

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Relationship
Hi Anu, I am a married 27 yr old girl pursuing my medical PG degree in a college and my husband is also fellow doctor residing in another city. I stay in a hostel and I was in a relationship with a guy during my UG days. Actually he used to be my best friend. We are a gang of 4 and no one knows about my relationship except us both. We moved on due to caste issues and foreseeing the problems after marriage in our families. We are in touch with each other. He got PG degree in my college and seeing him is haunting my memories though we talk casually and not on regular basis. My husband knows about us and asked me to avoid him. But I can't give up on my friendship. Can a friendship aged in love not be reverted to friendship?
Ans:

Dear DR,

Feelings aren’t something that can be set aside that easily.

To lead a different relationship than the one that you were in with the same person requires a lot of emotional maturity from both of you to make this real and honest.

If you look at it from the point of view of your husband, he might either be insecure about this, or he can foresee a situation up ahead which might not be very pleasant.

You have mentioned that seeing him is bringing back memories.

Are you really ready to maintain a friendship without the feelings coming in the way? Are you ready to manage what this might do to your husband?

If you are ready and be objective about all of this, then first sit your husband down and talk to him and his fears.

Reassure him but like any relationship, all this requires a lot of work and then it’s also time to ask yourself, is this all worth it and do I really need to do this?

Also, is the other person from your past, also willing to understand that this requires him to put your marriage above his needs?

So, check with yourself what and how much you can handle and whether you are ready for this new challenge?

Best wishes!

..Read more

Anu

Anu Krishna  | Answer  |Ask -

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

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Relationship
I am very stressed these days. I am in love with a married man. He happens to be my colleague whom I met in 2020.Initially it was just a senior junior relation where he would help me in official matters. At the same time, I was recovering from a break up followed by severe health complications. Slowly, I started spending time with him, in the office only talking about office issues then my personal life. He too shared some of his and eventually I started developing feelings for him. But since I knew he was married I would always maintain that distance. I just wanted a healthy friendship but may be my personal turmoil was to the extent that I needed an emotional support and so I confided in him. He too would understand me, give me support and I could feel that he likes me. One day I confessed my feelings and he too reciprocated. He had told me earlier that he is living a compromised married life where there is no emotional connection. However, he will continue with it as his wife is dependent on him and I said I don’t want to break a family. But I have fallen in love with him. His presence has given me such solace I cannot describe. I don’t want to break a home. So, I have started maintaining distance as well but I really miss him. I feel I lost a friend in the process.
Ans:

Dear SJ,

This is something that I have been seeing lately with a lot of people.

Something lacks within your current relationship and to fulfil that you look for it elsewhere only to realise that things have gotten out of hands.

In your case, love has blossomed in and suddenly now you have realized that it might cause a flutter within two relationships.

He has made it clear that he wants to be with his wife which should give you an idea not to make any more emotional investment. You will end up getting hurt even more if you do.

Time for you to start feeling solace and gaining better self-esteem by valuing yourself more. You don’t need anyone for you to love yourself, do you?

So, stop giving this so much importance. He was there when you needed him and vice-versa. Now, that things are getting a little complicated, time to revise the way you think and act.

You don’t need to lose a friend if the feelings that you have for him can be healthier and not draining on either of you.

If not, maybe you need to think how you can handle this agony better. Be your own friend first and then you start making better choices on who to let into your life.

Possible? Yes, start now…

All the best!

..Read more

Latest Questions
Janak

Janak Patel  |21 Answers  |Ask -

MF, PF Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 10, 2025Hindi
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Money
Hi, I am 46 years old residing in a B Town in India. I have 2 daughters one 16 years old and second 7 years old. I have Savings of 25 Lakh in my account as emergency find. I have FD of 65 Lakhs. PF, PPF and NPS of 25 Lakhs, Mutual Fund and Shares of 25 Lakhs, Lic policies worth 25 Lakhs, Gold around 1.2 Crores. I have a medical insurance of 20 Lakhs for me and my family, Term insurance of 1Cr. As properties. I own 2 independent houses, 2 flats and 2 plots in Bangalore which has a current value of about 4.5 Cr. In my home town i have 2 Houses, 1 apartment and plots which has a current value of 2.75 Cr. Currently i am drawing a monthly salary of 2 Lakh rupees and get a rent of 30K/ month. I donot have any emi's and my monthly expenses is currently 75K. I am planning to retire at the age of 50. Is my financial condition stable to retire at the age of 50? Thanks for your suggestion in advance.
Ans: Hi,

Lets understand the value of your current Investments at the time of retirement. Below is the list with its current value and (expected rate of return).
Emergency Fund - 25 lakhs (3.5%)
Fixed Deposits - 65 lakhs (7%)
PF/PPF/NPS - 25 lakhs (8%)
MF/Stocks - 25 lakhs (10%)
LIC Policies - 25 lakhs (no change)
Your current investments listed above will achieve a value of 3.5 crore at the time of retirement 4 years from now.

Apart from this you have mentioned properties worth 7.25 Cr. Assuming you will only use/liquidate them if required, so excluding them from consideration for now.

You total income is 2.30 lakhs per month (includes rent) and expenses are 75k per month. So there is potential to add to the above investments for the next 4 years.

I will assume your current expenses are sufficient for the lifestyle you want to continue post retirement.
You will require a corpus on retirement after 4 years to sustain your expenses adjusted with inflation of 6% which will be close to 1 lakh per month (at the time of retirement).
With this starting point, and adjusting for inflation of 6% each year, and life expectancy of 30 years post retirement you need a corpus of approx. 2.5 crore - again assumed this will earn a return of 8% for the 30 years.
If you can invest wisely and generate a slightly higher return of say 10%, the corpus requirement will be 2 crore.

Your current investments at the time of retirement with value of 3.5 crore is sufficient to cover your expenses for the next 30 years inflation adjusted at 6%.
And this is excluding the properties you own and additional investments you can make for the next 4 years.

Summary - You are more than stable as far as your financial state is concerned. You have a strong base to meet your retirement needs and also a potential to create wealth for the generations ahead.

I want to highlight/recommend few points -
1. Increase the medical Insurance for yourself and family to 1Crore as medical expenses will only increase in future.
2. Stop the Term Life Insurance and save the premium for investment. As you have no liabilities and net-worth is high enough to cover any outcomes in life ahead, this premium is a lost cause considering your strong financial state.
3. Revisit the LIC Policies you have and consider surrendering/stopping them if they are not nearing their maturity. They are not giving you enough cover and providing below par returns. So do discuss with a trusted licensed advisor and evaluate them. If they will mature in the next 4 years, ignore this point.
4. Post retirement period is a long duration of 30 years, so do consider getting a good advisor - a Certified Financial Planner who can guide you to plan your retirement well and help you design a portfolio for additional wealth creation as a legacy for your children/dependents.


Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

Asked by Anonymous - Mar 11, 2025Hindi
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Money
Hi, I have the following funds part of my SIP and the last 4 funds are my one time lump sum of 35K each and invested sometime in November last year. Are these good to hold (lump sum) and rest as SIP for another 5 years. 1 Kotak Flexicap Fund - Reg Gr 2 Kotak Flexicap Fund - Dir Gr 3 Tata Multi Asset Opp Dir Gr 4 TATA Nifty 50 Index Dir Pl 5 Technology Plan - Direct - Growth 6 Bandhan Sterling Value Fund-(Reg PIn) -Gr 7 Nifty Smallcap250 Quality 50 Index Fund - Dir - G 8 | HDFC Dividend Yield Direct Growth 9 Quant Large and Mid Cap Fund Direct Growth 10 Quant Multi Asset Fund Direct Growth 11 Groww Nifty Non Cyclical Consumer Index Fund Direct Growth 12 Motilal Oswal Midcap Fund Direct Growth Thanks in advance for your guidance.
Ans: You have invested in multiple funds through SIP and lump sum. Holding them for the next 5 years is a good approach. However, it is important to check if your portfolio is diversified, aligned with your goals, and tax-efficient.

Overlap Between Funds
Your portfolio has multiple funds from the same category.

Too many similar funds do not improve returns but make tracking difficult.

Checking fund overlap can help avoid duplication.

Actively Managed vs Index Funds
You have index funds in your portfolio.

Index funds do not offer downside protection in market corrections.

Actively managed funds can outperform the index in volatile markets.

Switching from index funds to actively managed funds can improve growth.

Direct vs Regular Funds
You have invested in direct funds.

Direct funds may seem cheaper, but they lack expert guidance.

Investing through an MFD with CFP credentials ensures better selection and tracking.

Regular funds provide better decision-making support over time.

Sector-Specific and Thematic Funds
You hold a technology fund.

Sector funds are high-risk, as they depend on one industry’s performance.

If the sector underperforms, returns may be negative for years.

A diversified approach reduces risk compared to sector-based investing.

Smallcap and Midcap Allocation
You have smallcap and midcap funds.

These funds can be highly volatile in the short term.

Holding them for 5+ years is necessary to reduce risk.

Ensure you rebalance if the portfolio gets too aggressive.

Multi-Asset and Dividend Yield Funds
Multi-asset funds provide stability during market corrections.

Dividend yield funds are suitable for conservative investors.

These funds help in balancing the portfolio between risk and return.

Final Insights
Reduce overlapping funds and focus on fewer, well-performing funds.

Exit index funds and shift to actively managed funds for better growth.

Consider switching from direct funds to regular funds for expert tracking.

Keep sector funds below 10% of your portfolio to avoid concentration risk.

Continue SIPs in high-quality diversified funds for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8098 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 13, 2025

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Money
Can I run my family with 15 k exp and 20k retirement income
Ans: You have a monthly retirement income of Rs 20,000 and expect monthly expenses of Rs 15,000. On paper, this looks manageable, but there are important financial factors to consider. Let us analyse whether this income will be sufficient for the long term.

Cost of Living and Inflation Impact
Expenses will increase over time due to inflation.

If inflation is 6% per year, your Rs 15,000 monthly expenses may double in 12 years.

If income remains Rs 20,000, the gap between income and expenses will widen.

Healthcare and Medical Costs
Medical expenses increase with age.

Even with health insurance, out-of-pocket medical costs can rise.

If a medical emergency arises, your savings could be depleted quickly.

Emergency Fund Requirement
A sudden family emergency can strain finances.

Having at least 2–3 years' worth of expenses in a liquid fund is necessary.

If you do not have an emergency fund, your retirement income may not be sufficient.

Unplanned Expenses and Lifestyle Changes
New financial needs may arise, such as helping family members or home repairs.

You may want to travel, pursue hobbies, or engage in social activities.

A fixed retirement income can make such expenses challenging.

Investment Strategy for Long-Term Security
To beat inflation, invest a portion of savings in growth-oriented assets.

A mix of equity and debt funds will help generate better returns.

A Systematic Withdrawal Plan (SWP) from equity funds can provide a higher monthly income.

Alternative Income Sources
Consider part-time work, freelancing, or consulting if possible.

Rental income or dividends from investments can support retirement cash flow.

Final Insights
Rs 20,000 may be enough now, but inflation and rising costs can make it insufficient later.

A combination of investments, emergency funds, and alternate income sources will provide financial security.

Regularly review and adjust your financial plan to sustain your retirement lifestyle.

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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