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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Feb 19, 2024Hindi
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Relationship

Hello Gurus, I am in trouble. I was living in Canada from last 10 years till last year when I had to come back to India - my father was not well. My father passed away in November last year - but my mother is alone and is not in best health. My wife feels that I have cheated her by getting her back from Canada and she wants to go back immediately. She feels that my elder brother (who is in Australia) should take care of my mother. Our relationship has soured over last few months as she is always using brutal language for my mother and for my brother - in fact, it has always been the case - but so far I was just ignoring her. But now every time she says something nasty, I strongly retaliate back. On top of it, my wife is pregnant too. I am in trouble - I don't know what to do - whether to go back to US and leave my mother alone or with my brother - or to stay back and fight with pregnant wife :(

Ans: I'm truly sorry to hear about the difficult situation you're facing. It's a challenging time with the loss of your father and the health concerns of your mother, compounded by tensions in your relationship with your wife. It's essential to have open and honest communication with your wife about your concerns, fears, and the challenges you're facing as a family. Express your feelings calmly and listen to her perspective as well. Consider seeking the help of a couples therapist who can assist you both in navigating the difficulties in your relationship. A therapist can provide a neutral space for you to address conflicts, improve communication, and find constructive solutions together.Reach out to other family members, such as siblings or extended family, for support with caring for your mother. Discuss the situation with them and explore potential options for providing care and assistance to your mother while also considering your wife's needs and concerns.Take some time to carefully evaluate your options and consider the potential consequences of each decision. Reflect on what is most important to you in terms of family, relationships, and your own well-being.Ensure that the health and safety of both your mother and your wife, especially given her pregnancy, are prioritized in any decision you make. Seek medical advice if necessary to address any health concerns.Remember to take care of yourself emotionally and seek support from friends, family, or a therapist if needed. It's essential to prioritize your own well-being as you navigate these challenging circumstances.
Ultimately, there may not be an easy solution to your current dilemma, but by approaching the situation with empathy, understanding, and a willingness to communicate and seek support, you can work towards finding a resolution that is best for you, your wife, your mother, and your growing family.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 27, 2022

Relationship
Hi Anu,Hope you are in fine health!This will take 4 minutes to read but I plead to you for help.I am a man of 40 years, an engineer working with a reputed MNC as a manager. My wife, 37 is also an engineer working with a global service firm as process lead.We have a son nearing 8 years. We got married in 2012 - an arranged marriage and welcomed our son in early 2014. Things were fine largely in the initial phase. She quit her job in 2013 (a collective decision) to be in London with me for 2 years till 2015. My mother passed away in 2014 so I suggested that we return to Mumbai for good as my dad was alone. She agreed (at least I think so). Upon return I feel her father intervened too much in our family life (coming to our house unwarranted to help my wife, when my father was at my sister's place after bypass surgery). For little things, my wife depended on them although I was always around. In some ways I always thought she wanted me to be like her father. A couple of showdowns and family discussions later, she walked out in 2016 with our 2 year-old son. It was a well orchestrated event with her father, sister, far-flung cousin picking her up with 8-9 bundles of belongings, including our marriage certificate and son's birth certificates (Indian and London). I viewed it as a betrayal but kept mum. I went to her place 4 times in the following month to meet my son but her mother threatened me with 498A in the last meeting. I feel they had ulterior motives to this entire episode -- I am an IT engineer so they knew I had money. My wife was unhappy that my dad's flat in a posh locality in Mumbai where we stayed would be split between me and my sister. She had said I and only I should be the inheritor.She put a condition that I can meet my son only at her father's residence, so I was denied access to my son. After a depressing wait of 2 years, I filed custody petition. I secured regular visitation rights to my son. He warmed up to me and I took him to Goa, Kerala, Mysore on separate visits. My belief was 'whatever happens to our relationship, my son should not feel the absence of his father ever' Thinking my wife would have warmed up, I filed restitution 1.5 years later. She fought both petitions tooth and nail, denying me even 30 mins extra visitation. I was supposed to pick my son and drop him from underneath her flat. Humiliation ensued but I stuck to being a good dutiful father which was appreciated and rewarded by the family court counsellor. I was paying his school fees and also nurtured him for 5 months in 2020 at my place when my wife and her family contracted COVID (which she claimed in court as unlawful detention of 'my' son). May be, sensing she is losing ground, all of a sudden she agreed to a mutual divorce in April 2021 with custody shared for 15-15 days every month. A day before the final signing of papers, she asked to meet and said, 'Can't we make this work for our son ? I am ready to come back' I was getting what I always wanted so I relented. Court gave us a trial period of 3 months which went fine. We were physical 5-6 days a week. I suggested a second kid but she used to evade the question by saying 1 kid is enough. She was gelling well with my family but I maintained a distance from her parents as I did not want a repeat. I did not step into her house which she resented. After 3 months, I told her I need 3 more months and she was shocked but went with it. The best thing that was happening was that our son was opening up and was much less anxious. After another 3 months, we were ready to continue as husband and wife and were ready to sign in court in Dec 2021 but got a date in Jan 2022 as judge was absent.NOW, on 29th Dec we got to know that we are expecting. She cried saying she does not want the baby while I feel we should go ahead. The gynaec said at 37 years, it was not too late given that we conceived naturally and she does not have any chronic issues (her reports showed possible onset of diabetes, low haemoglobin levels which doctor said can be treated). We fought again as she said she still wants to tour the world, has her hands full with the first kid and is not mentally and emotionally prepared. My father and I spoke to her. I called upon her father who sided with her. Finally on 5th Jan she conveyed that she was firm on abortion. I said I am not part of this decision as I still feel we can afford the baby and it will strengthen our bond. We have access to the best of doctors who can ensure a good pregnancy. But she was firm so I asked her to 'Do whatever you want. I will not participate'. I asked her to go and stay with her parents until her bleeding stops and come back to my son and me. But I warned her that this act could have consequences, however much we try not to.WHY? Because I feel cheated. Voiceless. Helpless. Powerless. Hurt. Aggrieved. Sad. Guilty. She took the decision independently and was completely detached emotionally from the 6-week baby so as to abort.I am scared to say 'We will continue as husband and wife' in our end-of-trial-period hearing next week. What if she continues to be as stubborn and backstab me each time. I could go into depression. I am seeing a pattern in her behaviour.She hasn't changed -- may be the first 6 months were a farce. She is cold-hearted, manipulative and stubborn. She leaves me when she wants, denies me access to my son in an arm-twisting tactic, makes amends when it suits her and aborts at will. I fear I am setting myself up for bigger betrayals ( last month, she and her parents showed me flats costing ~4 crores because she wants to own one.I bought one for 1.5 crore in 2019 where we are residing right now, in my and my father's name. I have begged that I won't be able to help her financially as I already have a loan; I have two housemaids in the house for food-utensils-mopping and they too complain that she does not get involved in any housework --- like even instructing them what to do. I have brought up sharing-of-expenses 2-3 times but stopped asking after seeing it was not heart-felt from her side) I am feeling like a doormat who is clinging to this relationship too tightly, at my own peril.Can you assist me with questions whose answers will guide me in taking a decision on marriage v/s divorce ? RegardsUnknown
Ans:

Dear Unknown,

<>I do empathise with whatever you have shared with me. As long as you are willing to offer your emotions to be played with, you will be ping-ponging from one end to the other.

I understand that you wanted to give your marriage a fair chance; and things started to get better in the three months.

But I do fail to understand why you wanted her to go through the pregnancy especially after health challenges that she might have faced. And to keep her away especially when she needs to be with you and the child, is not something that is going to work in anyone’s favour.

Firstly, figure out this: What are you punishing her for? Are you angry with her for walking out on you in 2016 and the treatment meted out to you then and is this anger now mounting on her not wanting the pregnancy?

They are two separate events and need to be looked at separately. To displace anger from one event and map it onto the other, doesn’t show emotional maturity; it will only make matters worse for you.

Things were getting back to normal; and do respect a woman’s choice of having the baby or not…after all, she has to carry the baby within her for 9 months and when it is telling on her health, why shouldn’t you support her as her husband?

You felt cheated the first time; this time it was a decision that needed none of the past feelings coming into it.

If you do want to continue the marriage, it will be a wise decision to live under the same roof, clear all the past unresolved issues and find a way to move ahead. And also, think of the implications this is having on your son who has already experienced so much.

Do the right thing; for you, for her and for the child.

All the best!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Asked by Anonymous - Apr 06, 2023Hindi
Relationship
Dear Anu I am a 46 year old man .. married for last 16 years... My wife is well educated but a house wife by choice.. I lost my father when i was 18 and had struggled a lot to gain a great life in terms of money, name in my field and satisfaction at work. At home front we live a nuclear family... me, my wife and my 12 year daughter. But after my marriage in 2006 for next 6/7 years we were in joint family. my daughter was born in 2010.. In joint family me, my younger brother his wife and my mother were members... during these years, my wife never got along with my mother, brother and his wife... and also had fights [severe kind] where she accused them for petty reason...she demanded separate house within 3 month of marriage.. but since I was not financially settled so I promised her we will buy own home in course of time... but over these 6&7 years her behavior started really erratic.. she stopped talking to everyone, and keep fighting with all my family. also the house with joint family owned my me and younger brother... she demanded i should sell the house and get my share to buy own house. which i refused as my brother and his family with my mother were also staying there... and while buying it my mother had helped us financially, without having her name as owner. over the period things became really bitter... we also had fights where out of anger I happened to slap her.. but as promised I bought another house [with lot of efforts since i m self employee] within 5/6 years and we shifted to another city around our previous house. but after shifting she had the same temperament. She never got along with me.. Over an argument she would stop talking to me, and when confronted she would mention about my share in old house which i left... she was not happy seeing my brother living in that house with his family and my mother... i told her as promised we bought this house and I haven't withdrew my share in that house.. may be over the year i will take my share as per market value.. but at this point we don't need to do it.. since it will involve a lot of turbulence for my brother, his family and my mother as they were settled there. so I strongly told her she should not think about as she have her house and focus on it. Over these time, we had a very cute daughter... growing.. her schooling started.. i got busy with my work... and my wife by choice chose to be house wife... taking care of house... but she was hell bent on the house issue over selling it and taking my share.. and due to that we had several fights... which became my life miserable. her point was why pay EMI when you can get share and pay off the loans for new house. in these 8/9 years she became bitter person... no ties with my relatives /cousins, no friends, never got along with neighbors... and opposite to that i have very cordial relation with her family, cousins, my family and have great social circle. when my daughter was 10 year old, i was already settled with good career and financial status... i had cleared all the home loan for our new home... i did everything all out to make her happier but her wish to sell that house where my brother with his wife and my mother i didn't take share or sell it.. and she keeps nagging me with that and her temperament getting worst... now she started accusing me for having an affair and threatening me that she will complain police if i argue with her. unfortunately my daughter had to see this... but my daughter is very sorted, focused and a good kid. In last 2 years i managed to buy another house, which is bigger, where we shifted 1.5 years back, she wanted to do a puja and refused to invite anyone from my family.. also bought one more house as investment.. and a farm too as second home... Im very happy and satisfied with my career and other aspects of life... but the bitterness of wife kept on increasing... sometimes i felt she wanted me to fail and she could just take the pleasure of making me feel how she was right.. which never happened.. Now she is completely out of touch with my family... her anger triggers when i speak to my brother , my mom, Now over these years my brother also managed to earn some money and he paid me an amount as part of my share for the house he is living.. which we mutually agreed among us... and i withdrew my name from that property... i informed this to my wife.. first she didnt believe.. and then she was not interested in it.. so basically over these years i managed to fulfil everything what i promised also took my share from the joint house even i was not very happy with that situation. but all these incidences.. my wife became a difficult person to deal with... be it talking a simple conversation or smallest issue.. we don't have any physical relation .... we sleep in different bedrooms.. my wife also became too possessive and control freak with my daughter.. my daughter is 12 now and she retaliate with it.. so even they keep fighting now... me and my daughter have a great bonding... over these period i started feeling that i married a wrong person.. sometimes i think of divorce but i m worried about my daughter.. and also lot other things as im 45 already.. i wont say that i have never done any mistake while these 16 years but i never chose to disconnect with my wife... i worked really hard to earn money to build a good fortune for my wife and daughter... but looks like she doesn't care... and she takes me completely for granted... she thinks i wont leave her and will be stuck around.. i also advised to visit a therapist or counselor... or join a meditation or do anything she likes to do... be it creative or extra curricular.. but she just ignores it... i am into creative field and this domestic chaos sometimes really bothers me. it never effected my work yet but i m worried it might just. Let me know your opinion... if there is something i can do more to help this mess with my wife.
Ans: Dear Anonymous,
Clearly your wife has a streak of wanting people to want her, literally where it comes off as her being possessive of them (I gather this from what you have shared). I only have a one-sided view and don't know fully well why your wife chooses to be possessive.
She does not want to share you or what you earn with your family; it only suggests that she is worried about losing both. It may seem like they are unfounded fears but they exist in real for her.
Obviously your pleas to see a counselor will better her life and it is easier to stay where she is as nothing needs to change. It seems relatively clear that she fears LOSING!
How this got there or did it become even more evident because of the tussles between your family and her; no one knows. You would not completely know what transpired between your wife and your family; but something has triggered within her to hold on to her beliefs.
Anyway, it is difficult to be where you are; but the only way out is to have a person that is neutral to handle this. It could be a mutual friend, a senior member of her side of the family, a person that she idolizes...anyone who can in a very unbiased manner approach the situation and bring out the fears.
In the meantime, you can spend more time with your daughter and give her a sense of protection and care and at the same time ensuring that she empathizes with her mother. Matters like these can go sour overnight and YES, you have held on so long, give it some more time but do facilitate the neutral person to do an Intervention ASAP.

All the best!
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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 31, 2023

Asked by Anonymous - Oct 29, 2023Hindi
Relationship
Hi Ma'am, I am 36 years old and got married in the year 2014. I wanted to be in a joint family but my wife does not like it from the starting days itself. My parents used to stay with me periodically but not continuously. We have 2 boy children now. During my 1st boy child naming ceremony, my wife's family created issues and threatened me and my mother with bad words and forced for a separate family which i never agreed. After that issue, my wife never returned to my matrimonial home. After lot of efforts from my relatives, we joined back again. But the personal vengeance of my wife on my parents still continued. She used to misbehave with them some times like not listening to my mother's words and she never used to help my mother on all the house hold activities. My mother used to take care of all the household works. In the mean time we are blessed with 2nd boy. She stayed in my house during her second pregnancy, her preganancy well assisted by my mother and me both financially and emotionally. But i used to tell my wife to do very small houshold activities to make her physically well fit for her normal delivery but she took that suggession in a wring way and considered it as a torcher. During her ninth month of her pregnancy she went to her parents house to write a competitive exam but never returned back instead she continued to stay there and returning back to my home. So it has been more than two years now that she left me. During this time, i visited for her birthday, her father died, me and my parents visited his funeral, i visited my sons birthday. So i almost did all my efforts to bring back her to my home but she refused all my chances. So I filed a divorce case since i dont have any hope in my marriage life anymore. But i wanted to live with her since we have two children. Any suggestions/advices please.
Ans: I understand the complex and challenging situation you're facing in your marriage. It's clear that there have been significant conflicts and misunderstandings between you and your wife, and you've made attempts to resolve them. Here are some thoughts and advice from a counseling perspective:

Open Communication: Effective and empathetic communication is crucial. Encourage both you and your wife to express your feelings and concerns in a safe and non-confrontational manner. A counselor can help facilitate these discussions and ensure that both parties have a chance to be heard.
Professional Counseling: Seeking the help of a qualified marriage counselor or therapist is highly recommended. A counselor can provide a neutral perspective, offer strategies for conflict resolution, and help you both explore the underlying issues in your relationship.
Child-Centered Approach: As you have children, it's vital to prioritize their well-being. Regardless of the outcome, work together on a co-parenting plan that focuses on their emotional and psychological needs. A counselor can assist in creating a plan that ensures your children's stability and happiness.
Understanding and Empathy: Try to understand each other's perspectives, feelings, and needs. There seems to be a lack of understanding between you and your wife, and it's important to build empathy and find common ground.
Legal Matters: Consult with a family lawyer to fully understand your rights, responsibilities, and potential outcomes regarding divorce, child custody, and financial matters. It's crucial to be well-informed about the legal implications of your decisions.
Reconciliation Efforts: If both you and your wife are open to the possibility of reconciliation, be prepared for a long and challenging process. It will require time, patience, and a willingness to address the root causes of your issues.
Understanding: Try to understand your wife's perspective and feelings, and encourage her to understand yours. Misunderstandings can often lead to conflicts, and gaining insight into each other's point of view can be a first step toward resolution.
Co-parenting: Regardless of the outcome of your marriage, your focus should be on the well-being of your children. It's essential to develop a co-parenting plan that prioritizes their needs and stability. Self-Care: Take care of your own well-being. Navigating these difficult circumstances can be emotionally and mentally taxing, so ensure you maintain your own emotional and mental health.
Reflect on Your Expectations: Take time to reflect on your expectations regarding family arrangements and what you're willing to compromise on. It may be necessary to find a middle ground between your desire for a joint family and your wife's preference for a separate one.

Remember that the decision to reconcile or proceed with the divorce should be made with the well-being of both you and your wife, as well as your children, in mind. Professional counseling and mediation can provide the support and tools you need to navigate this challenging situation. Whether the ultimate goal is reconciliation or an amicable separation, the involvement of a qualified therapist can be instrumental in moving forward in a healthy and constructive way.
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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

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

Asked by Anonymous - Dec 21, 2023Hindi
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Hi there, I have been married for 15 years now and have a child who has Autism. Me and my wife live in USA and my mother had been living with us for an extended stay since 2020 until 2022 due to COVID 19 travel restrictions. Although my mother and my wife would get along ok, there would be a period in between when she would suddenly be angry at her and me for any random reason. Like we did not name our son in the way her friend did. This used to happen every few weeks and then become ok. In the meanwhile we were busy with therapies and treatments for my son. However, two years back she asked that my Mum (Over 75) leave immediately as she does not want her anymore. She took it to extreme by manipulating me to go against my mother, verbally abusing and shouting at her, accusing her of voo doo and saying that she wants her (my wife dead) and also not sparing my brother who lives in a different country. She refused counselling and asked for a divorce. There would be days when I would lock the door and sleep in a separate room. Eventually during a medical checkup she got diagnosed for cancer just after my mother went back to India. After a harrowing year and a half she is now cancer free but still her some side effects. I was thinking that this change of beaviour may have been due to the cancer but now that she is cured there is not much change except that the outbursts seem to have reduced. We are now back in India for a holiday since the past 2 months but live separately. She initially did not want to return to USA but now wants to go back. I am afraid the same issues as earlier would again start. She has clearly stated that she has no love or respect for me. I have been caring for my son and he is living with me while in India. I wonder what is the path forward
Ans: I understand that you're in a very difficult and confusing situation. Your wife's behavior, the separation, and the recent developments have undoubtedly created emotional strain and uncertainty. While I cannot offer personal advice or diagnose psychological issues, I can provide some insights and suggestions to help you navigate your path forward:

Understanding the Situation:

Your wife's behavior: It's impossible to definitively say what caused your wife's behavior without detailed information and professional expertise. However, her outbursts, accusations, and lack of love/respect could indicate various factors like stress, mental health issues, or unresolved personal conflicts.
Impact of cancer: While cancer and its treatment can affect mood and behavior, it's crucial to consider additional factors beyond the diagnosis.
Communication Breakdown: The lack of communication and refusal of counseling suggest deeper issues that need open and honest dialogue.
Moving Forward:

Prioritize your son's well-being: Ensure his needs are met in a stable and healthy environment. Seek professional guidance if needed.
Focus on your own well-being: Seek individual counseling or therapy to process your emotions, understand your options, and build resilience.
Open communication: If both of you are willing, consider couples therapy with a qualified professional to address communication issues, understand root causes of conflict, and work towards a future, whether together or separate.
Clear boundaries: If you choose to continue the relationship, set clear boundaries regarding acceptable behavior and communication.
Legal advice: Consult a lawyer to understand your legal rights and options regarding child custody, property division, and other legal matters.
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2024

Asked by Anonymous - Mar 19, 2024Hindi
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Hello Gurus, I am in trouble. I was living in Canada from last 10 years till last year when I had to come back to India - my father was not well. My father passed away in November last year - but my mother is alone and is not in best health. My wife feels that I have cheated her by getting her back from Canada and she wants to go back immediately. She feels that my elder brother (who is in Australia) should take care of my mother. Our relationship has soured over last few months as she is always using brutal language for my mother and for my brother - in fact, it has always been the case - but so far I was just ignoring her. But now every time she says something nasty, I strongly retaliate back. On top of it, my wife is pregnant too. I am in trouble - I don't know what to do - whether to go back to US and leave my mother alone or with my brother - or to stay back and fight with pregnant wife :(
Ans: Dear Anonymous,
Well, your wife has not been able to adapt to the new situation that has out her in the midst of a lot of responsibilities. Very few of us can just jump and take charge and certainly your wife is not pleased with the relocation and the having to care for your mother...that is why she suggests that your brother care for her instead.
She is obviously not ready for this new phase of life and to be fair to her, relocations are not easy especially if has been working in Canada and also had a good social network...leaving all this behind can cause a lot of anguish...Kindly sort this issue before it blows up and lands on your marriage and creates more havoc.
Also, I do see a lot of people actually staying abroad and being able to care for their aged parents; you and your brother can iron out these details where the two of you can share this responsibility so that it does not just land on you. You can always work in Canada and have your mother over for a few months...
A lot of options that will need a lot of deliberation...rather than let the situation consume you, try to be in charge of it...start by mending the communication with your wife for starters...you both need to function as one unit whenever there is a challenge...isn't marriage all about this?

All the best!
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Ramalingam

Ramalingam Kalirajan  |914 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 21, 2023Hindi
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Hello Kirtan, I am 35 years old and I am doing SIP of 17700. 4000 in TATA multicap, 3000 in TATA digital, 1000 in TATA small cap, 4400 in HDFC flexicap, 3300 in ICICI NIFTY 50 INDEX and 2000 in NIPPON INDIA SMALL CAP. What is your Opinion. I have no short terms goal. I just want to invest money for as long as I can.
Ans: It's great to see your commitment to long-term investing at 35. Your diversified SIP portfolio reflects a thoughtful approach to wealth accumulation. Let's delve into some insights:

Diversification: Your allocation across multiple fund categories - multicap, digital, small cap, flexicap, and index funds - spreads risk and captures growth opportunities across different market segments. This diversification is crucial for long-term wealth creation.
Focus on Growth: By investing in multicap and small cap funds, you're targeting companies across various market capitalizations, aiming for higher growth potential over the long term. Additionally, digital and flexicap funds offer exposure to sectors with significant growth prospects, aligning with your long-term investment horizon.
Index Fund Inclusion: Incorporating an index fund like NIFTY 50 INDEX provides exposure to the broader market while keeping costs low. It complements your actively managed funds and ensures broad market participation.
Review and Rebalance: Periodically review your portfolio's performance and asset allocation to ensure it remains aligned with your long-term goals and risk tolerance. Rebalance if necessary to optimize returns and manage risk effectively.
Overall, your investment strategy appears well-structured for long-term wealth accumulation. However, continue monitoring market trends and adjusting your portfolio as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and aspirations.

Your commitment to long-term investing is commendable, and with diligence and strategic planning, you're on track towards financial success.
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Ramalingam

Ramalingam Kalirajan  |914 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 11, 2024Hindi
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Money
I am 59 retired with corpus of ?.40 lacs with no retirement pension. Medical insurance sum insurance is ?.5 lacs and no family or financial commitment. To get ?.25k per month, please suggest where to invest. I estimate to live for next 20 years.
Ans: Given your retirement status and financial situation, securing a monthly income of 25,000 INR for the next 20 years requires a carefully crafted plan. Let's explore some options:

Systematic Withdrawal Plan (SWP): Consider investing a portion of your corpus in balanced mutual funds or debt funds and initiate an SWP. This allows you to systematically withdraw a fixed amount each month while potentially preserving your capital.
Senior Citizen Saving Scheme (SCSS): Invest a portion of your corpus in SCSS, offering stable returns and tax benefits for retirees. It provides regular interest payouts, ensuring a steady income stream.
Annuity Plans: Explore annuity plans offered by insurance companies. An annuity plan converts a lump sum into a regular income for a specified period, providing financial security during retirement.
Fixed Deposits (FDs): Invest in FDs with banks or post offices, providing stable returns and liquidity. Consider laddering FDs with varying maturities to optimize returns and access funds as needed.
Dividend-Paying Stocks or Mutual Funds: Invest in dividend-paying stocks or mutual funds, which provide regular income through dividend payouts. Ensure the investments align with your risk tolerance and financial goals.
Real Estate Investment Trusts (REITs): Consider investing in REITs, which offer rental income from commercial properties. However, be mindful of the associated risks and liquidity constraints.
It's essential to strike a balance between growth and stability while ensuring your income needs are met throughout retirement. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific requirements and aspirations.

Your dedication to securing your financial future is commendable, and with careful planning, you can enjoy a comfortable retirement with peace of mind.
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Relationship
we have 3 yrs of relationship and in that frm 2 yrs we are in long distance we have great bondings ,no issue on that but the major issue taht we have no future becos he belongs to bhramin family his family is very strict not accept intercaste marriage and also they dont want him to move out of house . right now he is pursuing mbbs and i am pursuing computer science . i live in bangalore as u know its tech hub and best place for me for career but he will make future in gujarat he is telling me to come over there after marriage still we have lot time to think but he dont want to hang me in middle of the situation as he is not able to promise me that he will make it work 100% . He now every time telling me ki if u come to gujarat then only it will work and convince his family and some time he tells me that even if u come their might be my parents not fully accept u and tell u something rudely and all stuffs as i belong to general and may be u will regret for ur career also . what should i do should i compromise my career and do remote job or stay in some small company just for him or otherwise leave him? even i have great fear of not getting any soulmate after this becos as my experiences my elder sisters and brothers are still dint get their perfect partners its hard to get married to unknown i know i am overthinking at this stage but am confuse. i also dont have much frnd to talk about my prsnl problems .its been 2 yrs i have been through my personal loss and family problems also some times i am in pain getting sucidal thoughts its not for the relationships .Please help me with this .
Ans: Tel him to step up as a man and decide. You don't need a soul mate. The one you are seeking is yourself. Choose to be financially strong..
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