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Anu

Anu Krishna  |1587 Answers  |Ask -

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

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
GV Question by GV on Nov 01, 2022Hindi
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Relationship

Hello mam, I have come to know about you through an article I read online. I am mailing you regarding my problem. Please make it anonymous.
I'm married for 10 years. I have a son who is 6 years old.
After my delivery, my husband distanced me. Since then, we use to fight a lot. Both of us are abusive and there is no physical relation between us.
I told the same to my parents, and they suggested that I adjust keeping in mind the society and asked me to try for a job to deviate my mind.

Once I checked my husband phone and there was a history of homosexual p**n videos. When I asked him the same, he refused.
There is no happiness and only fights. I have even made suicidal attempts and was admitted to the hospital for taking expired pills.
I’m an old traditioned woman, unable to move out of marriage as I can’t handle being alone.
At the same time, I am unable to understand my husband’s behaviour.
He is saying he will be like that only, If you want you can stay or leave.
He will not tell me anything about his family – when his father passed away due to covid, he left home without telling me. I knew about it from other relatives.

Ans:

Dear GV,

Thank you for reading my content. Hope it helps.

I can only imagine the trap that you are in. So, why are you choosing to be trapped even further?

  • Do you see any scope in your husband changing?
  • Do you know anything about his sexual orientation?
  • Do you feel that the two of you can rebuild your marriage?

If the answer to the above is NO, then time to break out of your so-called traditional mindset.

Do you really want to live in this set-up and have your son grow up unstable?

I am sure that as a mother you do want to provide him with a stable and loving environment.

Then, you need to think differently about your old beliefs and see if they are worth holding onto.

The older generation might have held onto marriages even if they were abusive. But things have changed.

Even if you are not financially independent, there are venues to change that. You only need to change the way you think.

Check with yourself if continuing this way is going to give you anything great in return or is it going to steal your spirit away.

The choice is yours but do know that you have a son to take care of as well.

Start by gaining a good circle of supporters that includes your parents and close friends who can help you through this massive change to enable you take charge of your life.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1587 Answers  |Ask -

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

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Relationship
I am from Hyderabad. Age 40 years old . My name is XY and I’ve been married for 17 years. I have two boys. Ours is a love marriage.I felt like everything will be good and smooth but right after our elder kid was born my life changed. I am an MBA and several times I told my husband that I’d like to work. He said he’d help when the right time and opportunity comes. Until then I should nurture my kids as it's my responsibility and I should support him. But in the 2015, my kid noticed his chats with another lady. I was shocked because many times he’d refused sex with me. We’d get intimate maybe twice or thrice a year. I thought he was busy or maybe he doesn’t like my body. But when I caught him he said, what is over is over. Don't raise the topic. Leave me. I just kept quiet. He said what ever happened, I will be the same for my kids’ future sake. Many quarrels happened. But in 2020 his behaviour came to light. For example if I said anything, he'd punish me by not speaking to me for months. But he'd want me to wash his clothes and fulfil other necessities at home.Once I opened up and said I want to go for counselling. There he told the doctor, ‘She wants my property but she never allows me to care of my mom. She won't allow me to talk to my friends.’ I was shocked. I told him 'I never asked for money or property. I just want to quit.' I went home and told myself if he repeats this another time I won't take it for granted. But again in the month of February, he continued his behaviour. He shifted to another bedroom for a few months where he’d watch TV and have food. He'd even sleep in the kids’ bedroom. I stopped bothering. At some point, I felt like I deserved someone who trusts me.I want to quit because he thinks I am a loyal maid who will take care of kids and the household. He communicates with like ‘What I should get? Milk veggies etc?’ He never treats me with love and affection. Now everything is spoiled. I want to have a new life. I want to be set free from him. Please suggest what to do.
Ans:

Dear XY,

And may I ask what exactly are you waiting for?

Why did you think that by you going for counselling, your husband will change his behaviour towards you?

How is that he cheats on you and still you allow him to treat you this way?

This only shows that you have lost your strength which you need most right now.

What if you were a strong independent woman who has been working?

Would you still subject yourself to this? You know the answer!

Bring back that woman who had dreams, who knew how to walk the path, who knew how a man should treat her, who knew what a marriage really is.

Can you do this?

Your kids need their mother to stand up for herself and do the right thing.

Be the woman who will not settle for anything that disrespects a woman or another human.

Seeing this, they will also know how to treat a woman and what a woman can bring into their lives.

Do the right thing, for yourself and them. Bring back that strong, independent woman who knew this and more.

Best wishes!

..Read more

Anu

Anu Krishna  |1587 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2024

Asked by Anonymous - Jun 15, 2024Hindi
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Relationship
Hello sir/Madam I'm going through a rough time of my life and want some help from you I am a professional and 48 years old and I have 2 grown up children My problem is that I had a love marriage with my husband22 years back and his family didn't accept me whole heartidly since we belong to different castes and culture .they wanted to take advantage of me financially My husband has strained his relationship with my mom n only sister after my father's death in 2008 over money matters Me, my husband and children live in a house provided by my parents in a different city from my inlaws They always create differences between us still Now another problem has cropped up in our relationship I spied on my my husband's mobile n discovered tha that he has sex chats with other women and is involved in mastrubating sessions with them over phone I am completely broken from inside n not able to decide what to do coz when i confronted him , he flatly refused n fought with me and started putting false allegations on me .I am quite disturbed as i dont want to end my marriage eventhough he behaves very bad with me at times Kindly advice me
Ans: Dear Anonymous,
Since you know that you want this marriage still, then the best way to not be hurt and strained around him, is to:
Either:
- Ignore what's happening and what he's doing and he leads his life and you lead yours (This is not easy, let me warn you!)
OR
- Live separately; you are financially independent and have your home to live in; he can go live with his parents and see if this works

Sadly, you married someone who has not learned to appreciate his partner and is perhaps playing to his own insecurities. It's totally on him and why I say that you are not to blame is: the fact that you still want to continue in this marriage, you may have to face more of this humiliation and hurt. If this is your decision, you really need a very steely interior and a facade that can face it all.
Yes, counseling is an option for him and the two of you as couple, BUT I don't see that in him as yet...Instead of addressing his wife's hurt and pain, he has refused to acknowledge what he's been up to. It doesn't say a lot about him to me.
So, strengthen yourself into your decision and check the two choices above and see what works best for you...

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

Kanchan

Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 13, 2025

Asked by Anonymous - Jan 13, 2025
Relationship
Hi sir I don't know from where to start but it happened in this way ,I was from a reserved family with orthodox thinking.so I did love marriage in other caste (we were classes friends)after 17 years I am realising that my husband wants to dominate me ,he talk to me in bad way,he shouts on me ,he let me work but he ask money whenever he needs n pay me nothing. He trigger me in small thing, give me taunt n his mother n sister supports me .I am living in my mother in law house n I have two sons .This mental harassment is increasing day-by-day. He never paid for any of my expense.I m scared what to do to leave him n live my life or to live with him n ignore .what society will say .what to do I don't know. Feeling trapped pl suggest me what to do?
Ans: it's important to recognize that your well-being and safety, both emotional and physical, are paramount. No one deserves to be treated with disrespect or to live in an environment where they feel demeaned or controlled. The constant shouting, taunting, and lack of financial support are serious issues that should not be ignored, as they can significantly impact your mental health and sense of self-worth.

Your feelings of being trapped are compounded by societal expectations and the fear of judgment. However, it’s crucial to remember that society’s opinions should not dictate your happiness or well-being. Living in a situation where you’re constantly subjected to mental harassment can have long-term detrimental effects on your mental health and overall quality of life. It’s natural to fear what others might say, but your peace of mind and the well-being of your children should take precedence.

The support of your mother-in-law and sister-in-law is a positive aspect, but it seems that your husband’s behavior continues to be a source of distress. It’s essential to have a candid conversation with them about your feelings and explore whether they can help mediate or influence change in his behavior. However, if his actions persist and there’s no willingness on his part to change or seek help, you might need to seriously consider your options.

If you’re contemplating leaving, it’s important to plan carefully. This might include seeking legal advice to understand your rights, especially concerning your children and financial support. You could also consider reaching out to a counselor or support group for emotional guidance, as they can provide you with the strength and clarity to make decisions that are best for you and your sons.

Ultimately, the decision to stay or leave is deeply personal and should be made based on what you believe will bring you the most peace and stability. It’s not an easy choice, and it requires a lot of courage and self-reflection. Remember, prioritizing your well-being and creating a healthy environment for yourself and your children is not selfish—it’s necessary. Whatever path you choose, know that you have the right to seek happiness and to live a life free from harassment and control.

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Kanchan

Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Feb 07, 2025Hindi
Relationship
Hello Mentors, I'm 38 year old women, facing a toxic married life from past 10 years. I have a son who is 8 years old. I have lost my mom 8 years back n my dad 5 years back.I m d only child of my parents. I have done my MBA in HR n Marketing. Have done work before marriage, but after marriage things changes, my husband refused to allow me to work along with my in laws n he always behaves very badly with me insults me all time in front of my in laws too. He beats me every month still now also.I lost my mom she was suffering from cancer. Her cancer got detected when I was just 1 month pregnant, i m d one who takes care of her treatment taking her to chemo therapy n follow up with doctor, yes my dad was their with me, but he was also broke down as my mom was d back bone of my family. Inspite of my pregnancy I ran door to door of hospitals n doctors till I was stepped into 9 month of my pregnancy. My husband never supported me at that time too..Infact he n my mother in law's stated that if I'm enough for taking care of my mom then I must go to my doctor for my own check ups too...Yes I went for my usgs alone only at first time he went with me.. Now the main problem is he didn't changed at all he is repeating all his deeds infront of my child n my child is also following him from last 1 years, My son also said, if I scold him for his studies or food, he said what papa did is correct, it's good that he beats you, you leave our home this is not your home... My son loves me a lot that I know but he is just 8 n getting confused whom to follow...many a times he came to n said sorry for his bad behaviour but again if such incidents happens in front of him by his father again he changes his mind . My husband didn't give me a single penny, I take care of my own expenses from my house rent..( parental home as their is no one to stay now)..n it's d only source of income..though it's a very small amount.Even though he never helps me to take care of my baby ..He said if you want to work then put ur child into a hostel.. I took care of my home n child all alone..infact my in-laws are less bother about my child too... My son is deprived with every relationship of grand parents uncles n aunts.. My husband always demotivates me, mentally n physically abuse me n he also states that I'm an not an eligible person to became a good mom or even to get any job n all this infront of my child. I really want to get rid of him for d sake of my child n me too..I m totally into depression n lost all my confidence, I want to be financially free, when ever I want to file a divorce my son said no as he want both of us..for him only m dragging this bull shit relationship... N side by I'm looking for a job, but I have a big gap of almost 11 years now...M confused where to approach..n what should I tell to the employers if they ask for my career gap .m looking for a WFH as I dnt have any trust worthy person to take care of my baby...But m failed to find such. Please suggest me what should I do, how to take call on each of my problems.. I know d post is long...10 years is not a short time though..there is many many more to tell but I tried to keep it Short as much as i can . Thanks a lot ...
Ans: Your husband’s behavior is not just emotionally damaging—it is abusive. No one deserves to be insulted, beaten, or made to feel worthless, especially not in their own home. The fact that this is happening in front of your son makes it even more urgent to take action because, over time, he will normalize this behavior. Right now, he is torn between what he sees and what he feels for you, and that confusion is not his fault. But staying in this environment will only make it harder for him to understand what a loving and respectful relationship truly looks like.

You are already doing everything on your own. You are raising your child, managing expenses, and surviving in an environment that is breaking you down emotionally. Imagine if you put that same energy into building a life where you are free, at peace, and in control. I know the thought of divorce scares you because of your son, but think about what staying is teaching him. Children don’t just listen to words—they absorb actions. If he continues to see his father abuse you, he may grow up thinking that this is how men should treat women, or that love means suffering. You have the power to break this cycle for him.

Financial independence is your key to freedom, and I know the career gap makes you anxious, but don’t let it stop you. Employers today understand career breaks, especially when they are due to family responsibilities. Be honest but strategic—frame your gap as a time spent managing responsibilities, developing resilience, and handling real-life challenges. Highlight your past experience and any skills you’ve kept up with. Since you have an MBA in HR and Marketing, consider remote jobs in HR, digital marketing, content writing, or even customer support. Many women restart their careers through work-from-home opportunities, and platforms like LinkedIn, Naukri, and Remote.co have job listings specifically for career returnees.

You don’t have to do everything at once. Start with small steps. Reach out to women’s support groups or NGOs that help survivors of domestic abuse. Look for job training programs that help women restart their careers. If possible, find legal advice on your rights regarding divorce, alimony, and child custody. You are not alone in this, even though it may feel like it right now.

You deserve a life where you are respected, valued, and safe. You deserve to wake up without fear, to build a future where your son sees you as a strong and independent woman. Take this one step at a time, but take that first step. You have already survived the worst—now, it’s time to live.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2025

Money
Col Sanjeev Govila, good evening. I am Col P Venkatachalam, retd from MCEME as HOD FIET in 2006. I want to invest Rs 10 lacs. Please advise me.
Ans: Your disciplined decision to invest Rs 10 lakhs is deeply respected. Let's carefully assess the options for you.

This response is structured for your complete understanding and peace of mind.

We’ll explore all angles: safety, growth, liquidity, and suitability for your life stage.

Let’s proceed step-by-step.

Understanding Your Needs First

Before investing, it's important to check a few things:

Do you need regular income from this amount?

Do you want to keep this money safe from loss?

Or, are you looking for long-term growth for legacy or future use?

Are you okay with some ups and downs in value for better returns?

Once your objective is clear, investment selection becomes easier and more purposeful.

If Your Priority Is Capital Safety with Some Growth

You may want to protect your money and still grow it better than FDs.

These types of investments are suitable for short-term or medium-term use.

You may explore actively managed short-duration debt mutual funds.

These funds give better returns than bank FDs in most cases.

Returns are not fixed but are usually in the range of 6% to 7.5% per year.

They also offer better tax efficiency compared to bank FDs.

You can redeem partially anytime if you need money.

These funds are managed by experts and reviewed regularly.

If Your Priority Is Monthly Income

If you want steady cash flows, you can consider this route.

Keep 6 to 12 months of expenses in a liquid fund.

Use the rest in a Systematic Withdrawal Plan (SWP) from a balanced hybrid fund.

SWP gives regular cash flow without touching your capital much.

You also get better post-tax returns than bank interest.

You can increase or stop SWP anytime you want.

If Your Priority Is Long-Term Wealth Creation

If you don’t need this money for at least 5 to 7 years, then growth becomes key.

You can consider investing in an actively managed equity mutual fund.

Your capital grows over the long term with the power of compounding.

You have already seen 5x growth in past equity investments.

That patience has rewarded you. Same can happen here.

Select only regular plans of equity funds through MFDs with CFP credentials.

Don’t choose direct plans as they give no guidance and no service.

Avoid index funds. They follow market blindly. They don’t manage risks well.

Actively managed funds perform better in changing market conditions.

Why Not Index Funds or Direct Plans

Many suggest index funds or direct mutual funds without understanding your life stage.

Index funds copy an index. No human checks or risk control.

During market falls, they fall just like the market. No safety layer.

They may not suit senior citizens looking for safer growth.

Also, direct plans have no support.

A Certified Financial Planner and MFD will guide and update you regularly.

They also ensure rebalancing and switching at the right time.

What to Avoid at This Stage

Don’t go for market-linked insurance plans like ULIPs or combo policies.

Don’t keep Rs 10 lakh idle in a savings account or low-interest FD.

Don’t lock the entire amount in long-term non-liquid products.

Don’t invest in real estate for rental income. It’s illiquid and stressful.

Tax Aspects to Keep in Mind

If you redeem your equity fund after 1 year, capital gains above Rs 1.25 lakh are taxed at 12.5%.

For debt funds, gains are taxed as per your income slab.

SWP from equity funds is treated as capital gains. So, tax is lower.

You can plan redemptions smartly to keep tax low.

Avoid dividend payout plans in equity funds. They deduct tax before payout.

Instead, choose growth option and withdraw through SWP. That’s tax-friendly.

Sample Allocation for Rs 10 Lakh Based on Your Profile

This is a balanced idea assuming you don’t need regular income.

Rs 2 lakh in liquid fund – for emergency or unexpected needs

Rs 3 lakh in short-duration debt fund – for medium-term use

Rs 5 lakh in actively managed large and mid-cap equity mutual fund – for long-term growth

If you need monthly income, then replace Rs 5 lakh equity with a balanced fund and start SWP.

This will give you regular income with capital protection.

Flexibility and Liquidity

All these options offer full liquidity. You can withdraw anytime.

No fixed lock-in like insurance or annuities.

You stay in control of your money.

You also avoid penalty or surrender loss.

Review and Adjust Every Year

Check the performance every year with a Certified Financial Planner.

Rebalance between equity and debt based on your age and goals.

Make sure you are not taking more risk than needed.

If markets have performed well, book some profit and move to safer options.

If You Already Have Any LIC, ULIP, or Combo Plans

If any LIC or ULIP policies exist, kindly check surrender value.

If they are giving poor return, consider surrendering and reinvest in mutual funds.

Many old plans give less than 5% return.

Mutual funds offer more transparency and liquidity.

Make sure to shift wisely and not impulsively.

You Have Already Done Well

You are retired and still planning ahead. That is very admirable.

You also understand that income from equity mutual funds is not guaranteed.

Your discipline in sticking with equity for long term is wise.

It’s rare to see 5 times growth. You must have chosen well and held strong.

Finally

Based on your need, risk comfort, and goal, we can mix liquid, debt, and equity.

Avoid products which lock your capital or give poor return.

Prefer actively managed mutual funds with guidance.

Avoid index funds, direct plans, and fixed-return insurance schemes.

Keep part of your money flexible for any future need.

Ensure that your capital works hard but remains under your full control.

Periodic review with a trusted Certified Financial Planner is a must.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |8241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2025

Money
I am retired and have invested in equity mutual fund dividend payout for monthly dividends. I also understand that dividend is not certain and I need not to depend on this dividend for monthly survivals. Now the question before the veterans is: 1) should I continue the equity fund Dividend payout; many advising for senior citizen investing in equity fund is not suggestiable, but it was invested a loooong time back and getting regular and uninterrupted dividend plus the amount invested was grown 5 times; or 2) should I redeem or transfer to growth fund or debt fund; or 3) redeem or submit for SWP (where I don't require or having any financial commitment with the redemption or SWP) any redemption will again need to invested in mutual fund. please advise.
Ans: You have managed your investments thoughtfully over the years. Investing long ago in equity mutual funds and letting them grow 5 times is truly smart. Now, as a retired investor, it’s wise to review the next steps from all angles.

Let us evaluate your current equity mutual fund dividend strategy with a full 360-degree view.

Understanding Your Current Position

You have invested in equity mutual funds under the dividend payout option.

You are receiving uninterrupted dividends regularly for a long time.

The investment value has grown 5 times over the years.

You do not depend on these dividends for monthly living expenses.

You have no pressing need to redeem or shift to SWP right now.

You are considering whether to:

continue as is,

shift to growth or debt funds,

opt for SWP.

Key Strengths in Your Current Setup

The investment already grew 5 times. This shows long-term wealth creation has worked well.

Regular dividends, though not guaranteed, show fund health and consistent past performance.

You are not financially dependent on dividends. This gives you freedom to make strategic changes.

No urgent need to redeem or change plan adds flexibility in planning next moves.

Limitations with Equity Dividend Option

Dividend is not fixed. It depends on market condition and fund’s surplus.

In uncertain market years, fund may stop or reduce dividend payouts.

Dividend payout reduces NAV. It is like withdrawing from your own investment.

No compounding benefit as dividends are paid out and not reinvested.

Tax is deducted at source. Dividend is added to your income and taxed at your slab.

Advantages of Switching to Growth Option

Entire profit stays invested. You get full compounding benefit.

NAV keeps growing without reduction due to payout.

You control when to redeem and how much.

If held for long, equity gains have tax advantage. First Rs 1.25 lakh LTCG is tax free. Then 12.5% tax.

Ideal for long-term wealth preservation and growth beyond retirement too.

You avoid uncertainty of future dividend declarations.

How SWP Scores Better Than Dividend Option

SWP gives you regular income like dividends.

But you fix the amount and frequency as per your comfort.

Withdrawals are from your own corpus. So there is clarity and control.

No dependency on AMC or market performance for payout.

Taxation is more efficient. Only capital gains are taxed, not full amount withdrawn.

SWP from growth plan gives you stability, predictability, and better tax handling.

You can increase, decrease or pause SWP as per your needs anytime.

How Debt Funds Fit In – Should You Shift?

Debt funds are suitable if you want capital protection and lower volatility.

They give more stable returns, usually between 5% to 7% per year.

But equity funds may outperform in long term even after retirement.

Since you do not need capital immediately, equity growth suits your goal better.

Debt funds make sense only for emergency buffer or short-term needs.

For wealth preservation and tax efficiency, SWP from equity growth is better than debt switch.

Key Factors to Evaluate Before Any Shift

What is the current total value of this investment?

What is the actual dividend amount you receive monthly or yearly?

Do you have other debt or liquid investments to cover emergencies?

Do you wish to pass this fund to family members later?

Are you comfortable with small market fluctuations in equity NAV?

Do you expect to use this money after 3, 5 or 10 years?

Are you comfortable handling minor tax paperwork under SWP?

Suggested 360 Degree Action Plan

Keep a part of this investment in equity growth plan for compounding.

Shift from dividend payout to growth option in the same fund.

Begin a small SWP from this fund if you want some monthly income.

Reinvest SWP amount in short-term debt fund or savings account if not used.

Monitor SWP yearly and adjust amount based on fund value.

This way, you get control, tax efficiency, and compounding together.

Keep dividend payout only if emotionally attached or enjoy seeing it as “income”.

If dividend amount is very small, better to fully move to growth + SWP.

Avoid These Common Mistakes

Do not redeem the full fund just to re-invest elsewhere.

Do not move everything to debt fund without reason.

Do not keep depending on uncertain dividend payout for future planning.

Do not chase high SWP amount. That may reduce fund value quickly.

Avoid frequent shifting or redemption which may affect long-term growth.

A Word on Index Funds – Why Not to Choose Now

Index funds are passive and follow index blindly.

They do not beat the market in sideways or falling conditions.

Active funds manage risk better in volatile markets.

You already hold actively managed fund that grew 5 times.

No need to shift to index now after seeing strong performance.

And a Note on Direct Funds – Please Stay Cautious

Direct funds look cheaper, but offer no guidance or emotional handholding.

You may miss rebalancing or strategy updates.

Investing through MFDs with Certified Financial Planner gives 360 degree support.

You need someone who understands you and not just the product.

MF Taxation Rules You Should Know (New Rules from FY25)

For equity mutual funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) taxed at 20%.

For debt funds, capital gains taxed at your income slab, both STCG and LTCG.

Dividend is added to income and taxed as per your slab.

Sample Plan for You (No Fund Name)

Stop dividend payout. Switch to growth in same scheme.

Start SWP for Rs 5,000 or Rs 10,000 per month.

Use only part of fund. Leave rest for compounding.

Review SWP amount once every 12 months.

Ensure fund type suits your long-term risk capacity.

Keep emergency corpus in liquid fund separately.

Final Insights

You have done a great job growing your equity investment 5 times.

You are not financially dependent on this investment. This is a good position.

Dividend payout is convenient but not sustainable or tax-friendly.

Growth plus SWP strategy is more tax-efficient and gives full control.

Use this fund wisely and let compounding work longer.

Take help from a Certified Financial Planner to create a full retirement portfolio.

Include debt, equity, liquid funds, health cover, and emergency buffer in your plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2025

Asked by Anonymous - Apr 15, 2025Hindi
Money
Hello Sir, I am 34 years old with a kid 4 years and a wife. I earn roughly 85k monthly. I have a home loan of 7.2Lakhs with emi of 31k and 9.15% rate. I have 3.7L in pf and my dad had gifted me three lic policies(with a premium paying period of 35 yrs) as below Two Lic jeevan anand 149 started on 2013 One lic jeevan saral 165 started on 2009 Should I surrender my Lic policies to clear my home loan? If I surrender jeevan saral 165 I get 7Lakhs(I am getting more than I paid in premiums) If I surrender jeevan anand 149 I get 1Lakhs(50k loss on premium paid) Or should I keep paying for these policies and continue the home loan emi for 2yrs? I plan to buy another house in future. Please advise.
Ans: You are thinking in the right direction.

It is good that you are evaluating long-term LIC policies seriously. Most people delay it.

Let us now assess your situation in a structured and complete manner.

Your Current Situation
Age: 34 years

Family: Wife and one child (4 years)

Income: Rs 85,000 per month

Home Loan: Rs 7.2 lakh with Rs 31,000 EMI at 9.15% interest

Provident Fund: Rs 3.7 lakh

LIC Policies:

Two traditional endowment plans from 2013 (35-year term)

One traditional money-back plan from 2009

Jeevan Saral gives Rs 7 lakh surrender value (profit)

Jeevan Anand gives Rs 1 lakh surrender value (loss of Rs 50,000)

Let Us Look At Your LIC Policies First
Why LIC Policies Are Not Wealth Creators
These are low-yield, long-term insurance plans.

They give average returns of 4% to 5% annually.

This return is lower than inflation over 20 to 30 years.

Your premium paying term is 35 years — very long duration.

You get maturity at 60 to 70 years — very late for life planning.

These plans offer poor wealth accumulation and flexibility.

The surrender charges in early years are high.

They lock your money without decent compounding.

Even the loyalty additions at maturity are not attractive.

Should You Continue or Surrender?
Let us look at each policy carefully.

Policy 1: Jeevan Saral 165 (Started in 2009)
Surrender value is Rs 7 lakh

You have already earned more than what you paid

You are exiting with profit

There is no reason to keep this low-return policy

You have held it for 15+ years — enough duration already

No future compounding benefit is expected

Take the Rs 7 lakh and use it productively

Policy 2 and 3: Jeevan Anand 149 (Started in 2013)
Only Rs 1 lakh surrender value

Rs 50,000 loss on premium paid

You have held it for 11+ years already

Still 24 years of premium left

Future surrender value may still not justify returns

Loss of Rs 50,000 is painful, but continuing is worse

The value erosion will be higher over time

You are tying your money for 35 years for poor returns

Take the small loss now and invest better

What Should You Do With the Surrender Amount?
Now let us create a 360-degree plan for the Rs 7 lakh and Rs 1 lakh.

1. First, Close the Home Loan
Outstanding principal is Rs 7.2 lakh

Home loan EMI is Rs 31,000

Interest rate is high — 9.15%

Clearing this loan will give instant mental relief

It improves monthly cash flow by Rs 31,000

Use the Rs 7 lakh from Jeevan Saral to close most of the loan

You can arrange the balance Rs 20,000 from savings or PF

This clears your loan fully and frees up EMI burden

2. Stop Paying Premiums on LIC Policies
Surrender the two Jeevan Anand policies now

You get Rs 1 lakh total

Use this amount to build emergency corpus

This gives you financial cushion for 6 months expenses

You avoid any more losses in the future

What Happens When You Free Up Rs 31,000 EMI?
Your monthly savings increase by Rs 31,000

This is a huge jump in cash surplus

You can create a strong wealth building system now

Smart Allocation Of The Surplus
Let us divide this Rs 31,000 wisely:

1. Rs 10,000 — Invest in Child Future
Create a mutual fund SIP in your child’s name

Choose child-focused equity mutual fund via regular plan

Invest through a Mutual Fund Distributor who is also a Certified Financial Planner

Regular plan has guidance, monitoring, and discipline support

Avoid direct plan — it lacks personalisation and emotional anchoring

Avoid index funds — they lack flexibility, give average returns, and don't beat market

This Rs 10,000 monthly will build a good education corpus in 15 years

2. Rs 10,000 — Retirement SIP For You and Wife
Start a diversified equity SIP in your name

Also start Rs 5,000 SIP in wife’s name if she is not earning

Keep this SIP for at least 20 years

This will give you good retirement support

Retirement is your biggest financial goal

3. Rs 5,000 — Emergency Fund & Insurance
Add Rs 1 lakh from surrender value to savings

Add Rs 5,000 every month till you reach 6 months’ expenses

This is your family’s safety net

Also review your health insurance

Ensure you have minimum Rs 5 lakh family floater cover

Buy term life insurance of Rs 50 lakh to Rs 1 crore

This gives full protection to your family

4. Rs 6,000 — Home Planning Fund
You mentioned buying another house in future

Start a SIP in a balanced hybrid mutual fund for this

Invest Rs 6,000 per month in this fund

Use this for down payment after 5 to 7 years

What About Your Provident Fund?
You already have Rs 3.7 lakh in PF

Let it continue for retirement

Don’t withdraw unless it is urgent

PF is good for long-term safety

Should You Still Consider Buying Another House?
Do not rush to buy second home

First focus on becoming debt free and financially secure

Buying another house creates EMI pressure again

Rental yield is very low in India

Property value grows slowly in most locations

Instead, build a strong mutual fund portfolio

It is liquid, transparent, and better compounding

Final Insights
Surrender LIC policies and close your home loan

Free up EMI and use it for smart investment

Protect your family with insurance

Build education, retirement and home funds step-by-step

Mutual funds give better long-term growth than LIC or real estate

Use regular plans with CFP-led guidance

Track and review yearly with your MFD-turned-CFP

Keep focus on long-term goals — child, retirement, wealth

Make money work for you, not sit idle in poor plans

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 16, 2025

Money
Hello Sir, Over last few years I have created the below mutual fund portfolio on my own. My goal is to maximise returns for wealth creation and time horizon is 15 years. I am 42 now and can take a more aggressive approach for next 8-10 years. Post that I may want to preserve my wealth more. I am investing total of 43k which i can increase to 50k. Please have a look and suggest. 1. Invesco India contra fund - 9k 2. HDFC midcap fund - 9k 3. Kotak Flexi cap - 4k 4. Mirae Asset large cap (SIP Stopped due to poor performance) 5. SBI Focused equity - 6k 6. PPFAS Flexi cap - 10k 7. SBI Small Cap - 5k
Ans: You have done a great job so far. Taking charge of your finances with a clear long-term goal shows discipline and maturity.

You are 42 now and planning for a 15-year journey. That gives you a solid runway. The next 8–10 years are ideal for growth-focused investing. After that, wealth protection becomes the priority.

Let me do a full 360-degree assessment of your portfolio and give you specific insights.

Your Current Portfolio Snapshot
You have a mix of the following fund categories:

Contra fund

Midcap fund

Flexicap fund

Large cap (SIP stopped)

Focused equity fund

Flexicap fund (second one)

Small cap fund

This mix is mostly aggressive, which suits your growth objective well for the next decade.

Strengths in Your Portfolio
Good equity exposure: 100% of your SIPs are in equity. This is ideal for long-term wealth creation.

Diversification by category: You have exposure to midcap, small cap, flexicap, and contra. This creates growth potential with some balance.

Reasonable fund count: You hold 6–7 schemes. This is manageable and not over-diversified.

SIP discipline: SIP of Rs 43,000 monthly is a solid commitment. Increasing it to Rs 50,000 will compound well.

Clear time horizon: 15 years gives enough time to absorb market volatility.

High risk appetite in early phase: Your willingness to stay aggressive for the next 8–10 years is suitable.

Gaps and Risks in Your Portfolio
Overlap between funds
Midcap, small cap, focused, and flexicap funds may hold similar stocks. This can create redundancy.

Two flexicap funds
You are holding two flexicap funds. This may lead to duplication of large holdings.

Stopped SIP in large cap fund
You stopped a large cap fund due to poor performance. But judging funds by short-term returns is risky. Equity needs time.

No separate large cap anchor
Currently, there is no dedicated large cap fund. Flexicap funds are partly large cap but not fully reliable.

Overexposure to mid and small cap
14k out of 43k (almost 33%) is in mid and small caps. This is fine now, but needs pruning later.

No tax planning around equity
With new tax rules, exit strategy is important. Not planning it may lead to surprise taxation.

Suggested Portfolio Restructuring
Let us now work towards simplifying and optimising your portfolio. We will focus on:

Growth in first 8–10 years

Wealth protection post that

Balanced risk

Sector and stock diversification

Fund manager consistency

Tax efficiency

Here is the revised structure:

Ideal Portfolio Structure (for 50k SIP)
Let us group funds into 4 buckets. This helps with purpose-driven investing.

1. Flexicap Fund – Rs 12,000
Gives you all-cap exposure.

Works as your core portfolio.

Dynamic allocation across cap sizes.

Good for long-term consistency.

Why only one flexicap?
Two flexicap funds increase overlap. Retain only the better performer.

Action: Stop SIP in the second flexicap. Continue with only one high-quality flexicap fund.

2. Midcap Fund – Rs 10,000
Good for 8–10 years horizon.

Outperforms large caps in long term.

Needs patience during volatility.

Limit to one scheme.
Too much midcap increases risk. 20% allocation is enough.

Action: Continue SIP in one good midcap fund.

3. Small Cap Fund – Rs 5,000
High return potential.

But high risk and deep drawdowns.

Ideal to cap exposure at 10%.

Action: Continue SIP. Don’t increase allocation.

4. Contra or Focused Fund – Rs 8,000
Contra brings non-consensus picks.

Focused funds bring high conviction bets.

You can hold either one, not both.
Keep the one with better long-term track record.

Action: Choose one between contra and focused. Exit the other. Continue SIP in selected fund.

5. Large & Midcap or Multi-Cap Fund – Rs 10,000
Brings structure to the portfolio.

Multi-cap ensures fixed allocation to all three market caps.

Large & midcap has 35% in each, offers balance.

This will replace the stopped large cap fund.

Action: Add one fund from this category. It will add stability.

What You Should Avoid
Avoid index funds
Index funds give average returns. They blindly follow index. They don’t beat the market.

Actively managed funds have professional stock selection.

Fund managers adapt to market trends. This gives higher potential return.

Avoid direct mutual funds
Direct funds need DIY management. Most investors can't track portfolios properly.

Investing through regular plans via a MFD with CFP credential gives guided portfolio review.

You also get rebalancing advice and emotional handholding during market falls.

What You Can Improve From Here
Increase SIP gradually
Move from Rs 43k to Rs 50k as planned. Add Rs 7k to your core fund.

Review portfolio every year
Remove underperformers. Stick to funds with consistent returns and experienced fund managers.

Rebalance post 8–10 years
Slowly move some SIPs to hybrid or large cap funds. Reduce mid and small cap exposure after age 50.

Consider goal-wise investing
Assign funds to goals. One for retirement. One for child’s future. This makes tracking easier.

Final Insights
You have built a strong base already. That’s truly impressive. With small changes, your portfolio will become sharper.

Your equity exposure is rightly aggressive now. Stay with that approach for the next 8–10 years.

From age 50 onwards, gradually reduce volatility. That way, you protect the gains created in earlier years.

Make sure your exit strategy is tax-efficient. Under the new rules:

Equity LTCG above Rs 1.25 lakh is taxed at 12.5%

STCG is taxed at 20%

So, staggered redemptions make more sense later.

You don’t need annuities, real estate, or index funds in your journey. Equity mutual funds, when guided by a Certified Financial Planner, offer better long-term benefits.

Just stay disciplined. Keep SIPs running. Avoid panic exits. Review yearly. Stick to one scheme per category. That’s your best route to wealth creation.

You’re already doing great. Just refine the edges.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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