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Relationships Expert, Mind Coach - Answered on Apr 18, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Apr 18, 2023Hindi
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Relationship

Hello, Firstly thank for your time, Well I am looking for some guidance regarding my married life, I am 40 yrs old man, married for 9 yrs, with a 7 year old daughter, ours was a love marriage with some ups and downs initially, but with time both of our families became supportive of us and the relationship continued. But 3 years back I caught my wife red handed having an affair with someone who worked for me. This broke me totally, made me feel embarrassed and since then it has been really difficult for me, but what broke me even further was my wife blames me for she taking such decisions in her life, she also shared rumors about me among our common friends, in society where we live behind my back ( I discovered this when I discovered her messages). She keeps blaming me or my family for even the smallest argument that we might have had in our relationship in the past and keeps maintaining the distance with me. Once the affair was discovered I was really upset and we had a huge fight over it, and it had some impact on our daughter ( who was almost 5 then), realizing that it would affect our daughter's life we mutually decided to give the relationship another try for the sake of our daughter and also our families came together to support this decision, now the problem is things aren't the same anymore, I always get a feeling of no regret from my wife and I feel embarrassed about what had happened, this has totally changed me as a person, once a man with lot of hope in life have become a person with no major aspirations in life. My daughter too is very much connected to my wife, this breaks me even more as a man/father. I tried to speak with my wife about this and her only point being I should hear what she feels and I do not understand her feelings etc... I do not understand how to deal with this, can you guide me? I want to become a better version , an example for my daughter again...I feel demotivated. Thanks again.

Ans: i am sorry to hear about the difficult situation that you are facing in your marriage. I would advise you to prioritize your own well-being and seek out support from a mental health professional to help you work through the complex emotions that you are experiencing.

It's understandable that the discovery of your wife's affair had a profound impact on you and your relationship. However, it's important to understand that your wife's decision to cheat was not your fault, and it is not appropriate for her to blame you for her actions. It's also concerning that she has shared rumors about you with others, as this can be a sign of deeper issues within the relationship.

In terms of moving forward, it may be helpful to have an honest and open conversation with your wife about your concerns and feelings. This can be a difficult conversation to have, but it's important to communicate your needs and expectations in the relationship. It may also be helpful to seek out couples therapy or marriage counseling to work through these issues and develop strategies for rebuilding trust and intimacy in the relationship.

It's important to remember that you deserve to be in a healthy and respectful relationship, and that it's never too late to work towards improving your current situation. You have the strength and resilience to overcome these challenges, and with the right support and resources, you can become a better version of yourself and a positive example for your daughter.
Asked on - Nov 09, 2023 | Answered on Nov 20, 2023
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Hello Madam, thanks for your previous reply, as an update about the situation it has gone bitter today, where she has left me , taking away my daughter as well. This is after we had a fight on small little things where due to work related stress I tried to speak to her about me needing her help to understand the situation and also the situations about her past cheating episode keeps coming back affecting me. Thus leading to constant arguments. Today she has left home , leaving me totally unpreppared and feeling hopeless about the situation in life. I am going through a lot of work pressure stress and now this has really made a situation which is getting diffficult for me to deal with. No amount of contact with her is working, I just do not know how can I resolve this matter so that I can enjoy a happy life with my wife adn daughter again. she also threatens for divorce. I miss both of them dearly. I would really appreciate if you could advice on how to sort the matter out and get some sanity back into this relationship. I fail to communicate my thoughts and feelings clearly with my wife I believe. I try my best to speak her but she never gets it. Please assist in this. Thanks
Ans: I am so very sorry to know your situation which is very challenging It's important to approach the situation with sensitivity and patience.Take some time to reflect on how you communicate with your wife. Are there ways you can improve your communication style? Focus on expressing your feelings and needs without placing blame as this is very sensitive time.Communication is a two-way street. Make sure you actively listen to your wife's concerns and feelings. Understanding her perspective is crucial in finding common ground and working towards resolution. Given the mention of divorce threats, it may be wise to seek legal advice to understand your rights and options. However, keep in mind that legal proceedings can further strain relationships, so it's best approached with caution. Remember that resolving complex relationship issues takes time and effort from both parties involved. Professional assistance can be instrumental in navigating these challenges. If your wife remains unresponsive, it might be worthwhile to focus on your own well-being and personal growth while keeping the lines of communication open for potential reconciliation.

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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2020

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Dear Anu Krishna, I'm a 39 year old man, married and having a daughter. It was an arranged marriage. We started off okay, with some good level of romance initially but plateaued later. First the emotional connect dipped, then her trust dipped and eventually physical intimacy dipped. After childbirth, our sex life hit a low and in past 5 years it has been almost a sexless marriage. I had not been a perfect partner but very much willing to fix my mistakes (I haven't cheated on her, ever). But my wife has been aloof with near zero communication. I never interfered in her independence of any form. I always trusted her but I never felt trusted/wanted/loved. She refuses to have meaningful deep conversations. We do have a lot of financial stress. We considered divorce about 5 years ago but didn't because of our daughter. Last year, I met a colleague and I connected emotionally well with her. I do consider her a good friend but my family (I stay with my parents) think I'm in an affair. This new friend also considers me her friend. Now my wife seems a little jealous of my friend, which is a good sign that there is still some hope to salvage this marriage. People have advised me both ways - to divorce and not to. I really want a happy life for myself and my daughter. I am confused - what should I do?
Ans: Dear JK, I can only imagine the stresses of the situation that you and your wife are in. But it takes two people to make a marriage.

And it would be worthwhile for both of you to understand that childbirth is a very transformative experience for entire family especially the new mother and the baby.

It is of utmost relevance here for them to have the support of the father and the family.

The emotional and physical needs of the man maybe ignored here but do know that your wife/ mother doesn’t do this as a well-thought idea but because her hormones dictate her mind and body.

But of course, if this has been something that has been going on for a while now even after a year of childbirth, it would be wise to have an open communication channel where the two of you understand each other’s needs and see how best as a couple you can fulfil them.

It is normal for a human to seek validation and attention from the external when his needs are not fulfilled at home. But the complications that can arise from that are something that you are well aware of.

You are an adult and you know what’s best for you and your family.

Having said this, if the choice is to make the marriage work, please don’t engage in finger pointing and instead think of ways to spice up your relationship.

Find someone to care for your child while you and your wife take a holiday.

If this also doesn’t work, I would suggest couples marital therapy where a professional may guide you to rebuilding your marriage.

Happy rebuilding and it’s worth working at it!

..Read more

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

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Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Anu

Anu Krishna  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

Asked by Anonymous - Aug 22, 2024Hindi
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Hi Anu, I am a guy 45, married and with 2 lovely children. My wife and I have great relationship from the time of love marriage. I love her a lot and as a family all is great financially, emotionally. It does seem to be like a perfect family anyone can ask for. During dating she was she was flirting with others but after all our love and commitment we moved ahead. She has this nature of seeking attention from others and I was ok as long as it was harmless. After our first child, I know it must be difficult for her as a new mother etc but I caught her with her colleague, they were having affair for 1.5 years. she regretted her decision and I forgive her. I gave her more attention and we continued, she shows all the love and affection and I know in my heart she loved me a lot as I do the same. All was good, we had a second child and the pregnancy and post pregnancy was happy. She has been very happy and giving her all to the family. Our relationship was very good from every angle. yet again she had a one night stand and also another affair. This time i was heard broken. She is independent, she earns well and better than me of which I am proud of. If she is unhappy with the relationship and marriage, i am happy if she is wants to move on for her good. But she repented again and says he cannot live without me and that she only loves me. If there is so much love I am unable to understand why she is looking elsewhere. I have asked her to make me understand but she has no answer. I have forgiven her as my love for her is a lot and I know she does love me too and we continue our marriage... but I am unable to figure out this nature and for her and myself I want to understand what can be done. I am lost.
Ans: Dear Anonymous,
I can see that it is very unsettling for you. It might have been a huge deal to know that your wife has been vying for attention outside of marriage and also indulging in the physical angle as well.
It's possible that she is getting used to your being okay with the entire thing and just adapting to it that there has been no thought on how she can change the way that she is. Since you have forgiven her, there is nothing that needs to change in her...that's the message that you are implying to her.

She possibly is just exploring and trying new things for herself, she is looking for validation and attention outside...the reasons could be many...wandering is only an indication of something that we are not happy with within ourselves or in our lives...If you want your situation to change, I would strongly recommend Couples Therapy to unearth what exactly is happening. It might give both of you some perspective and since there's love still within the marriage, things might actually fall in place quickly.

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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Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Asked by Anonymous - Sep 07, 2025Hindi
Money
am 53 , in between jobs as lost a high profile job about 8 months back. Have fulfilled all my responsibilities. no debt. own home. Me and wife are empty nesters. Monthly expenses maximum will be 60-65000 per month. Am planning to travel where the expenses could range between 10-12 lakhs per annum. What should be the ideal corpus that i should have at this point in time. i have currently close to 5.5-6.00 cr in corpus most in debt and some in ppf . Is this good enough to retire for good Am planning to go for a comprehensive medical insurance for me & my spouse. Am a very conservative & risk averse individual.
Ans: Dear Sir,

You are 53 years old with the following profile:

No dependents

Monthly expenses: ?60,000–65,000

Planned travel expenses: ?10–12 lakh/year

Current corpus: ?5.5–6 crore (majority in debt instruments and PPF)

Owns home (loan-free)

Risk profile: Very conservative, risk-averse

Planning to take comprehensive medical insurance for self & spouse

Observations

Current Corpus & Expenses

Annual lifestyle + travel expenses: ~?18–20 lakh/year

Using a safe withdrawal rate of 3.5–4% (suitable for conservative, long retirement), you would need a corpus of ~?5–6 crore to sustain current lifestyle indefinitely.

Investment Composition

Since most of your corpus is in debt and PPF, it is stable but may lag inflation slightly over long term.

With low-risk instruments, annual real returns may be ~5–6%, which is adequate if spending is controlled.

Recommendations

1. Portfolio Allocation

Maintain 70–75% in debt/PPF/FDRs for safety.

Keep 15–20% in conservative equity/balanced funds for inflation hedge.

Allocate 5–10% in gold/SGB for long-term protection.

2. Liquidity & Emergency Planning

Maintain cash or liquid funds for 12–18 months’ expenses to cover unexpected needs or medical emergencies.

3. Insurance & Health Coverage

Opt for a comprehensive family floater medical insurance covering hospitalization, critical illness, and post-hospitalization expenses.

Keep term insurance only if required for estate or inheritance planning.

4. Travel Planning

Fund travel expenses from short-term debt or liquid mutual funds to avoid liquidating PPF or long-term debt.

Set aside an annual corpus of ?10–12 lakh specifically for travel.

5. Inflation & Corpus Monitoring

Even conservative retirees should review corpus annually to account for inflation, unexpected medical costs, and lifestyle changes.

Consider modest equity allocation to maintain purchasing power over decades.

Conclusion

With ?5.5–6 crore mostly in safe instruments, your current corpus is sufficient for retirement with your conservative lifestyle and travel plans. Key actions:

Opt for comprehensive health insurance

Maintain liquidity for 12–18 months

Small equity allocation for inflation protection

Review corpus annually

Your retirement can be comfortable, low-risk, and sustainable, given disciplined spending and conservative investment approach.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Asked by Anonymous - Sep 06, 2025Hindi
Money
I'm 26, unmarried, my current in-hand salary is 1.8L per month, In my savings i have 11.4Lakhs invested in mutual funds focusing investing in Small cap and mid cap large cap and index funds. And 10 lakhs invested in equities My PF Balance is 3.5lakhs and in Nps it's 1.5lakhs. and In my savings account i have around 2.5lakhs. I have recently received salary hike and now I'm planning to invest 1lakh in SIPs every month. I want to retire at the age of 45. My current expenses are around 70k per month.How shall I plan my investments to achieve this goal so that I draw atleast 1.5lakhs(today's value) post retirement.
Ans: Dear Sir/Madam,

You are 26 years old, unmarried, with a monthly in-hand salary of ?1.8 lakh. Current financials:

Investments & Savings:

Mutual funds: ?11.4 lakh (Small-cap, Mid-cap, Large-cap, Index funds)

Equities: ?10 lakh

PF: ?3.5 lakh

NPS: ?1.5 lakh

Savings account: ?2.5 lakh

Planned SIP: ?1 lakh per month

Current Expenses: ?70,000/month

Goal: Retire at 45, maintain lifestyle, draw ?1.5 lakh/month (today’s value)

Observations & Recommendations:

Retirement Corpus Requirement: Considering 19 years to retirement and 5% inflation, you may need a corpus of approx. ?7–8 crore to generate ?1.5 lakh/month in today’s value (adjusted for inflation) at 4% safe withdrawal rate.

SIP Allocation:

Maintain 60–70% in diversified equity funds (flexi-cap / large & mid-cap) for growth.

Keep 10–15% in debt funds or NPS for stability and tax efficiency.

Maintain emergency fund of 6–12 months’ expenses in liquid funds or savings account.

Portfolio Diversification: Avoid concentration in a few stocks; focus on mutual fund diversification across styles and market caps.

Annual Review: Increase SIP contribution with salary hikes; rebalance portfolio annually to maintain risk allocation.

Insurance: Ensure adequate health and term insurance to cover unforeseen events before retirement.

Next Steps:

Consult a QPFP / MFD planner for a detailed cash flow, goal tracking, and early retirement plan.

Monitor portfolio performance annually and adjust SIPs to ensure the target corpus is achievable.

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Asked by Anonymous - Sep 06, 2025Hindi
Money
Hello sir I am 41 years old. My monthly income is 1.1 lakhs . My current financials follows: My monthly expense - 60000 EMI vehicle - 9700 Insurance premium - Term insurance: 2300/month Health insurance: 2000/month LIC: 1500/month APY Contribution: 1000/month Insurance cover: Term insurance 1cr. Plus 17 lakhs critical illness cover Health insurance - 30 lakhs family floater LIC - 4 lakhs Emergency fund - 7 lakhs Investment: Mutual fund SIP 1. Goal - House construction - Rs.65 lakhs - timeline - 15 years Parag pareikh flexicap fund - 8k / month 2. Goal - Land purchase - 40 lakhs - Time line - 10 years Axis large and midcap fund - 8k/month 3. Goal - Kids education - 16 lakhs - 11 years ICICI Prudential Large and Midcap fund - 2.5k/month 4. Goal - Retirement - 3.5 cr - 19 years HDFC Flexicap fund - 9.5k/month 5. Goal - Gold - 100gms - 15 years SBI Gold ETF - 6k/month 6. SSY - 3500/month Kindly suggest if I need to make any corrections in my investment. Thank you
Ans: Dear Sir/Madam,

You are 41 years old with a monthly income of ?1.1 lakh and the following financials:

Monthly Expenses & EMI:

Household expenses: ?60,000

Vehicle EMI: ?9,700

Insurance Premiums & Coverage:

Term insurance: ?2,300/month (Coverage ?1 crore)

Health insurance: ?2,000/month (Family floater ?30L)

LIC: ?1,500/month (Coverage ?4L)

Critical illness cover: ?17L

APY contribution: ?1,000/month

Emergency Fund: ?7 lakhs

Investments (SIPs):

Goal: House construction – ?65L – 15 years → Parag Parikh Flexi Cap ?8k/month

Goal: Land purchase – ?40L – 10 years → Axis Large & Mid Cap ?8k/month

Goal: Kids’ education – ?16L – 11 years → ICICI Large & Mid Cap ?2.5k/month

Goal: Retirement – ?3.5 crore – 19 years → HDFC Flexi Cap ?9.5k/month

Goal: Gold – 100g – 15 years → SBI Gold ETF ?6k/month

SSY – ?3,500/month

Observations & Recommendations:

Equity Allocation: Your goal-based equity SIPs are modest and diversified. You may slightly increase SIPs for long-term goals (House & Retirement) to account for inflation.

Debt Exposure: Ensure your emergency fund remains intact (7–8 months of expenses). Consider keeping some short-term debt instruments for medium-term goals like Land purchase.

SIP Consolidation: For simpler tracking, you may consolidate multiple mid-cap/flexi-cap SIPs with 2–3 strong diversified funds rather than many small SIPs.

Insurance: Term and health insurance are adequate. Review critical illness coverage as you age.

Gold Allocation: 6k/month is reasonable. Monitor market volatility and consider staggering purchases.

Regular Review: Rebalance your portfolio every year to ensure asset allocation aligns with risk and timelines.

Next Steps:

Consult a QPFP financial planner for a detailed cash flow, investment alignment, and goal-tracking strategy.

Monitor inflation impact on your goals (House, Land, Education, Retirement) and adjust SIPs periodically.

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Asked by Anonymous - Aug 28, 2025Hindi
Money
I am 43 y/o with a monthly salary Rs.2,15,000 after tax with dependent wife and two boys aged 14 and 10. Monthly expenses around 1.25L-1.5L which includes home and car loan EMI and school fees etc. monthly SIP to index fund and a small cap fund is around 30K. Current MF value is 20Lakhs (started investing late). I have No FDs as I broke them to have very less debt for my new home built last year. Direct equity exposure in India is 40Lakhs and some exposure in US markets with 12Lakhs in equities and US ETFs. I have 25Lakhs in my Provident fund. My wife has gold worth 60Lakhs. My current house and the plot is worth 2.8Cr as of today. I also have some ancestral land worth 1Cr. Have rental income from two apartments summing up to 30K. My rented out apartments combined value is around 80Lakhs. I also have 25Lakh worth of health insurance for family and 3Cr worth term insurance in my name. What could be an ideal retirement strategy for me from my day job. I have tried my hand as a swing trader for a year with a decent return of 22% in a year but went back to my job fearing financial instability. I still have that option open as I like trading as well. Thanks in advance!
Ans: Dear Sir,

You are 43 years old with the following profile:

Monthly Salary: ?2,15,000 (post-tax)

Dependents: Wife + 2 boys (14 & 10 years)

Monthly Expenses: ?1.25–1.5 lakh (including home & car EMI, school fees)

Mutual Funds: ?20 lakh (SIP ?30,000/month in index + small cap)

Direct Equity India: ?40 lakh

US Equities + ETFs: ?12 lakh

PF: ?25 lakh

Wife’s Gold: ?60 lakh

House + Plot: ?2.8 crore (self-occupied)

Ancestral Land: ?1 crore

Rental Income: ?30,000/month from 2 apartments (value ~?80 lakh)

Health Insurance: ?25 lakh (family)

Term Insurance: ?3 crore

Observations

Current Net Worth – Excluding lifestyle/home, your investible corpus is ~?1.57–1.6 crore (MF + Indian & US equities + PF + rental property).

Cash Flow – Your salary plus rental income comfortably covers expenses. SIPs continue to build long-term corpus.

Risk Exposure – High concentration in Indian equities (~?40 lakh) and some direct equity risk in US markets. Gold and PF provide stability.

Retirement Horizon – Assuming retirement at 55, you have 12 years to build corpus.

Action Plan

1. Portfolio Diversification & Growth

Maintain 60–65% in equities (MF + direct equity, India + US) for long-term growth.

Rebalance periodically to reduce concentration risk.

Debt/PPF/FDs: 25–30% for stability and predictable cash flows.

Gold/SGB: 5–10% as an inflation hedge.

2. Children’s Education

Allocate a separate goal-based corpus for children:

14-year-old: ~?20–25 lakh for higher education in 4–5 years.

10-year-old: ~?30–35 lakh in 8–10 years.

Use short-duration debt and balanced funds for near-term needs, equity funds for long-term needs.

3. Retirement Corpus & Income

Target corpus: ?6–7 crore (inflation-adjusted, assuming 4% SWP) to sustain post-retirement lifestyle.

Expected post-retirement income sources:

Rental Income: ?30–35k/month (increase with inflation)

PF/NPS: ~?40–50k/month

Systematic Withdrawal Plan (SWP) from MF/Equity corpus: ~?1–1.2 lakh/month

With disciplined SIPs and equity growth (~10–12% CAGR), target corpus achievable by 55.

4. Protection & Risk Management

Term Insurance: Adequate (already 3Cr).

Health Insurance: Ensure family floater covers future medical inflation.

Keep emergency fund equivalent to 12 months’ expenses in liquid instruments.

5. Optional Trading Exposure

You may continue swing trading in a small portion (

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Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Money
I am 41 years old. I have 2 kids below 3 years age. My monthly income is 1.50 Lacs and rental income of 60000. I have no plans except one Housing loan of 35 Lacs. I am doing 50000 Sip and have a portfolio of 20 Lacs in Mutual funds and 20 Lacs in shares and 15 Lacs shares. My monthly expenses are now Approx 60000 excluding children education. Children education estimated expenses are 3-4 lacs per annum. I am planning to retire after 5 years. At the time of retirement I will be having the following : 1. Monthly Rental income 70000 2. Monthly NPS Pension 37000 3. Fixed deposit 40-50 Lacs ( interest income 30000) 4. Mutual fund and equity portfolio of 1 crore Is it fisible to retire after 5 years ??
Ans: Dear Sir,

You are 41 years old with the following profile:

Monthly Salary: ?1.5 lakh

Rental Income: ?60,000/month

Kids: 2, both under 3 years

Housing Loan: ?35 lakh outstanding

Mutual Funds: ?20 lakh (SIP ?50,000/month)

Equity Portfolio: ?20 lakh

Fixed Deposits: ?15 lakh

Monthly Expenses: ?60,000 (excluding children’s education)

Children’s Education: Estimated ?3–4 lakh/year

Observations

Current Savings & Investments – Your investible corpus is ~?55 lakh (MF + Equity + FD). SIP of ?50k/month adds ~?30 lakh over 5 years (excluding returns).

Projected Retirement Corpus (5 years) – Assuming 10% CAGR on MF/Equity, your corpus may grow to ~?1 crore. FD interest (~?15k/month at 6–7%) adds stability.

Income at Retirement – Post-retirement, expected inflows:

Rental Income: ?70,000/month

NPS Pension: ?37,000/month

FD Interest: ?30,000/month

MF + Equity Corpus: SWP possible (~?50,000–60,000/month depending on withdrawal plan)

Total Monthly Post-Retirement Income – Approx ?2.1–2.2 lakh/month.

Expense Coverage – Your current expenses (~?60k) plus children education (~?25–30k/month average) are well within projected income.

Action Plan

1. Debt Management

Plan to repay housing loan within next 2–3 years to reduce liability and free cash flow.

2. Portfolio Allocation

Maintain 60–65% in equity (MF + stocks) for growth.

Keep 25–30% in debt (FD/NPS) for stability.

Allocate ~5–10% to gold/SGBs as inflation hedge.

Emergency fund: Maintain 12 months’ expenses in liquid funds.

3. Retirement Withdrawal Strategy

Consider Systematic Withdrawal Plan (SWP) from MF/Equity corpus to supplement rental and pension.

Use goal-based approach for children’s education to avoid disrupting retirement corpus.

Conclusion

Based on current corpus, SIPs, rental, and NPS pension, retiring in 5 years is feasible. Key points:

Focus on clearing housing loan before retirement.

Continue disciplined SIPs for growth.

Keep children’s education funds separate.

Please consult a QPFP / MFD for detailed cash flow planning, SWP structuring, and risk assessment.

Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Naveenn

Naveenn Kummar  |203 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Sep 18, 2025

Asked by Anonymous - Sep 12, 2025Hindi
Money
I am 37 years male staying with wife and kid and parents, our household monthly expenses are around ₹65k and my income is around 2lakhs per month I have saved around 13lakhs in Ppf and epf has around 21lakhs and nps around 8lakhs. Have mutual fund investments of about 30lakhs, and fd of around 12 lakhs. I have running investments in sip of around ₹55k in equities and equal amount I m putting aside in debt instruments like fd and ppf each month as I do not want too much risk. Please guide me for planning retirement in next 10 years
Ans: Dear Sir/Madam,

You are 37 years old, living with your spouse, child, and parents. Current financials:

Monthly household expenses: ?65,000

Monthly income: ?2 lakh

PPF + EPF: ?34 lakhs (PPF: ?13L, EPF: ?21L)

NPS: ?8 lakhs

Mutual Funds: ?30 lakhs

Fixed Deposits: ?12 lakhs

Monthly SIP: ?55,000 in equities, ?55,000 in debt instruments (FD/PPF)

Goal: Retire in 10 years (age 47) maintaining current lifestyle.

Estimated Retirement Corpus:

Assuming 5% inflation, monthly expenses at retirement will be approx. ?1.0–1.1 lakh.

Using a 4% safe withdrawal rate, a retirement corpus of around ?3–3.5 crore would be needed.

Action Plan:

Continue your disciplined SIPs in equities and debt. You may consider slightly increasing equity exposure over time to boost long-term growth, especially in the first 5–7 years.

Maintain a mix of 60% equities and 40% debt currently. Gradually shift 20–30% of equity into debt instruments 3–5 years before retirement for stability.

Keep 12 months’ household expenses in liquid instruments for emergencies.

Review portfolio annually to ensure asset allocation matches risk tolerance and inflation expectations.

Consider topping up NPS and PPF to maximize tax-efficient retirement corpus.

Next Steps:

Consult a QPFP financial planner for detailed cash flow, retirement projection, and goal-based investment planning.

Ensure adequate term and health insurance coverage to protect family obligations.

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...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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