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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 08, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Kumar Question by Kumar on Jan 30, 2024Hindi
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Relationship

Hello madam, I am 41 year old , married , my wife also same age have a daughter 4 year old. I lost my parent in the earlier age that i did not remember (when i was around 5 to 6 year old ) .After that i am grown up by my distance relative(which is now my in-law family).In my in law family only my mother in law and 2 daughter (One my wife and other my sister in law (un married , 35 year now ). So now i am staying in in law home only as i do not have any body apart from them. They are very loyal to me and take care very much as i told i am staying from childhood. I married around 10 year back and my wife first delivery is so complex one. Our doctor advice not to be proceed with any more pregnancy , it may harm her life. now mom-in-law, wife both telling me that get married to sister-in-law (just informally) I mean they want a baby by me and sister-in-law . because she is 35 year old now for make a family. sister-in-law she also agreed .frankly speaking i have physical relationship with my sister in law and the my wife knew that and she does not have any problem(she is not active in physical relation as her body is not supporting ). So need your advice in this case.

Ans: Dear Kumar,
What are you all a part of' a circus? So, if your wife might not be able to have a baby again, you are asked to marry your sister-in-law and have a baby with her? And oh, you have a physical relationship with her as well? What exactly is going on?

Marrying another person when your first marriage is still very much alive is not recognized by the Hindu Marriage Act. Informally marrying? What is this, some kind of a movie that you are all trying to enact? So, just because your wife is not physically active, you are trying to justify as to why you need to sleep with another woman just because your in-laws want it?

Please grow up all of you...move out of your in-laws house and make your own home and your family so that this intermingling does not disturb your marriage and especially your child. You DO NOT (if you are) need to feel obligated towards your in-laws because they raised you. This is not the way you need to repay them...Get a hold of your life!

All the best!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 13, 2023

Asked by Anonymous - Sep 12, 2023Hindi
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I have second marriage and staying 9 years. Now my age is 50 years, and my wife age is 40. I have one child years of years 6. I am in a managerial Position in a company. My wife is a Housewife and her behavior's, misconduct, lack of ownership towards me as well as home is always upset and irritate me. My child was born by IFV method due to her irregular period. She has got many opportunities to recover this problem and treatment also got an early-stage life. Due to lack of her understanding and knowledge, lack of own effort, irresponsible and liar nature, did not overcome her problem and therefore, we cannot go for second baby. Now me and my son also suffer from 2nd baby, though I have sufficient resource to look two children. I need to monitor all the things of my son’s health, extracurricular activity, education etc. She also neglects my mother. I feel she is very quality less and very dirty woman and talking valueless, not concern with health of own as well as other family member. Therefore, I and my wife staying in same home, but from last 4 years I have been separated from my wife and living in separate room. Sometimes I think to separate from my wife, but it may affect relation with my son as well as his mental condition. I am trying to adopt a second child also. I found she is not concern with quality, health, and economy. Therefore, I need to do home marketing, finance, monitoring home, health etc. which has already affected at my career also. Please advise me what to do? I feel my future is very dark with my wife. No emotions, no love and intimacy in the relation. I do regular walking & jogging and gardening is also my hobby.
Ans: Dear Anonymous,
When you seem to have decided that your wife is not going to change, no matter what happens, you will not be able to see that change. Everything about her will be irritating and annoying.
Now you say that she could have done something to avoid IVF, but why are you not thankful that you have a child now.
Having another child as well has to be the choice of both parents. Does your wife want another baby? Just by having money to support the child is not enough. You also need to have the mental and physical ability and willingness to raise another child. Also, do you think it is wise to have another child with the current relationship challenges with your wife?
There seems to be some assumptions that you have made about your wife which could have happened due to misunderstandings and arguments over years. It is definitely from both sides. But since, you are writing in...I can only address your concerns...Obviously her lack of interest in the family also suggests that she also seems to have her challenges.
So, before anything else...first work on having a better marriage and this is a suggestion for both of you! You can eat the fruit from a tree without first planting the seed for the tree to grow.

Seek the help of a professional if you can so that both of you can first learn how to communicate with each other and then settles your differences and then you can start planning a brighter future. Continue with your exercise and always try to look for what's positive in your life. It helps to tide over challenges and have a better outlook towards life!

All the best!
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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 30, 2023

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Hi , I am married have a kid and staying happily. My brother-in-law married 3 year back .Now the problem is my brother-in-law and her wife does not have baby. They both consult doctor and the doctor told that my brother-in-law is not capable of produce child. They did not disclose this to any body. Recently I have visited my in law home .My brother-in-law wife's explain this to me. She told me that we need your help (In details she told me that she want to do sex with me for a baby ) then suddenly i got shocked. I did not expect this thing from her. She told me that she already discuss with my brother-in-law regarding doing sex with me for a baby.my brother-in-law agree on that and told her that you only discuss . They are very depressed now. By seeing this sometime i feel that i will help them but the other side i feel that indirectly i am cheating my kid and wife. I am very much love with my kid and wife. So need your suggestion what will be better for me.
Ans: Dear Saroj,
It's understandable that you are facing a challenging and sensitive situation. Have an open and honest conversation with your brother-in-law and his wife. Discuss your concerns and the potential impact on your own family. Make sure all parties involved fully understand the emotional and ethical complexities of such a decision. Reflect on your own values and beliefs. Consider how this decision may align with your principles and the impact it might have on your relationships with your wife and child Think about the potential long-term consequences for all parties involved. This includes the emotional impact on your own family, as well as the potential challenges and dynamics that may arise if a child is born as a result of this arrangement. Discuss the situation with your spouse. Open communication is crucial in a marriage. Share your thoughts, feelings, and concerns, and consider how your spouse feels about the proposal. Explore other options for your brother-in-law and his wife, such as adoption or alternative fertility treatments. These options may provide a way for them to achieve their goal without creating potential complications within your own family. Remember, it's essential to prioritize the well-being of your own family while also approaching the situation with empathy and understanding. Take the time to carefully weigh the potential outcomes and make a decision that aligns with your values and the best interests of everyone involved. If needed, seek professional guidance to navigate through this complex and sensitive situation.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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