Hello madam, i m 32 year married women, my husband love more than anything, he is good in everything, he take care of me, he bring me whatever i want, he is very good in bed. But i dont love him. Before marriage i had boyfriend, he never accepted me and assured he will marry me, so i decided to marry my husband in 2019. Till oct 2022 i had communication with my ex boyfriend, but when he got married he stopped calling me and i also stoped thinking about him. Lately i meet guy in my office he is 23, music teacher, not so good looking, not completed graduation, not financial strong but i developed feeling for him. I lied to him about my marriage, to get close to him. Once my husband caught me doing wrong, told me to not do. But still i want to continue and want to live with this guy. I want to divorce and live with young guy. I am doing correct or not please suggest.

Ans: You have shown good discipline by continuing this long-term policy from 2006 till maturity. Staying invested for the full term in such policies needs patience, and that itself deserves appreciation.

» Policy snapshot in simple words
– Policy start year: 2006
– Policy term: 21 years
– Maturity year: 2027
– Sum assured: Rs 3,00,000
– Type: Traditional life insurance with savings and yearly bonuses

» How the maturity amount is generally built
– The final amount at maturity is mainly made of two parts
– First part is the basic sum assured, which is Rs 3,00,000
– Second part is the accumulated simple reversionary bonuses added every year
– Some years may also have a small final bonus, depending on overall performance

» Expected maturity value by 2027
– For policies started around 2006 with a 21-year term, the bonus rates were relatively stable for many years
– Over the full policy term, the total maturity amount usually becomes around 2 times the sum assured, sometimes slightly more
– In practical terms, your maturity amount in 2027 is likely to be in the range of
– Around Rs 5.75 lakh to Rs 6.50 lakh
– The exact figure will depend on the final bonus declared in the year of maturity

» What this amount means for you financially
– The maturity value is safe and tax-free under current rules
– It works well as a lump-sum support fund rather than a high-growth investment
– The returns are steady but modest when compared to long-term inflation
– The policy also continues to provide life cover even after maturity, which adds emotional comfort

» Important planning observations
– This policy has already done its job by giving safety and forced savings
– Since maturity is close, it is wise to plan how this amount will be used before 2027
– Options can include debt reduction, children’s education support, or building a stable low-risk allocation
– Avoid keeping the entire maturity amount idle in savings for too long

» Final Insights
– Your discipline over 21 years is the biggest strength here
– Expect a maturity amount close to Rs 6 lakh, give or take
– The value lies more in certainty and peace than in high returns
– With proper reinvestment planning after maturity, this amount can still play a meaningful role in your overall financial picture

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: if its results are good then it can get back to 1075 else 755

Ans: good levels to exit and book profits

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Ans: Hi,

As you have done 10 years of service and are 58 years, your entire withdrawal will be tax-free for you.
However, there is a portion called EPS which cannot be withdrawn by you, instead you will get a monthly pension per se the EPS accumulated amount.
9 lakhs is tax-free.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Yes, after you merge your 2 EPF accounts, the combined balance of 4 lakhs will keep on earning interest till retirement without any break.

Thing for you to consider before merging:
- make sure the entire data is correct in both accounts; any discrepancy might delay or reject the merge.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi,

Transferring your old EPF is the most wise decision. Your entire old balance will continue to earn interest till your retirement. And total years of service will be tax-free henceforth.
Thus it is always best to transfer your old PF account to new employer.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: Hi,

As the servicable tenure is less than 5 years, your withdrawal will be taxable. You can expect a TDS of 10% on that but final tax would be as per your Income Tax slab.
Hence, unless absolutely necessary, avoid withdrawing the EPF and let it as is for your retirement.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Ans: You are having very aggressive equity portfolio focused primarily on Small and Midcap funds. But if these are held for long term that is beyond 10 years then these may provide good returns commensurate to scheme risk profile. Portfolio looks good.
All the best.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com