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Daughter Suffering from Father's Anger in Kolkata: How to Cope?

Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 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
Megha Question by Megha on Dec 06, 2024Hindi
Relationship

Hello Ma'am. I am unwilling to disclose my name. I come from a nuclear family based in Kolkata. I am in a very painful situation and I need your suggestion earnestly. The problem arises with my father. He is 66 , retired and a stay at home dad. He has severe anger issues, is demanding and controlling and often tells certain things verbally that are very traumatic for me. My hands and legs tremble and my heart beats rapidly when ever we have an argument as I am a peace loving person. Of late I have realised that I prefer to maintain distance from him . In all honesty I respect him but my love for him has long gone. My mother is a very demure person and is a stay at home mom. In order to not make my father angry or agitated by any means and to maintain peace in the house, she prefers to do what he prefers. I love my mother dearly but my father calls us a bunch of liars and is agitated that I support my mother. Even though I earn, I am in no position to leave my family/ house and shift elsewhere because I respect my mother's will. But I am traumatized and severely in mental agony. I can neither show my anguish nor express my situation to anyone for fear of being misunderstood. I am often asked to remain silent and not talk back to my father but sometimes the words are unbearable. He financially supports our family and you wouldn't believe if I told you that he has a completely different side when he is not in one of his' moods '. But Ma'am, does being the head of the family means to step over others and do what you feel like, irrespective of what the other members in your family feel? Additionally talking or communication with him also fails because he threatens to leave the house or just pushes us away. Even when I am writing this tears are streaming down my face. I am slowly becoming a shell of myself and am scared. Am I being selfish? Am I missing out something? I am so so tired of adjusting and compromising. I believe I have never ever written such a heart felt message. Can you help me out? Can you tell me how things can be resolved? Regards MR

Ans: From what you’ve shared, your father seems to be wrestling with his own frustrations, using control and anger as tools to manage his environment. This does not make it right, nor does it excuse the pain he causes. But understanding that his behavior may stem from internal struggles might help you view the situation with some compassion, even if from a distance.

Your love and respect for your mother shine through your words, and it’s clear that her well-being is a priority for you. The way you support her is a testament to your strength and kindness. But I also sense that her coping mechanism—complying with your father to maintain peace—might unintentionally place an additional burden on you. It’s as though you’re not only protecting yourself but also shielding her, which is an immense responsibility.

You are not alone in feeling conflicted about standing up to your father. It’s not just about his words; it’s about the power dynamics and the emotional weight he holds in the family. His “other side”—the moments when he is kind or approachable—makes it even harder to reconcile the anger and trauma he causes. This duality often creates confusion and guilt, leaving you wondering if you’re overreacting or misjudging him.

What’s most important right now is preserving your emotional well-being. It’s okay to create boundaries, even if they are small and subtle. For instance, when you sense an argument brewing, stepping away or finding a reason to leave the room can help you avoid escalating the situation. If direct communication with him fails, sometimes maintaining emotional distance is the only way to protect yourself.

I also encourage you to find someone you trust to talk to—a counselor, a friend, or even a support group. Sharing your pain with someone who can listen without judgment can lighten your load and help you feel less alone. Writing, as you’ve done here, is also a powerful outlet. Keep journaling—it can provide clarity and a sense of release.

You’ve asked if being the head of the family means stepping over others. The simple answer is no. True leadership in a family should come from love, mutual respect, and understanding. When it turns into control or fear, it becomes harmful. Your father’s actions do not reflect a failure on your part or your family’s; they reflect his own struggles with how to express himself and manage his emotions.

Finally, give yourself permission to feel tired. You are human, and this constant state of tension would drain anyone. But even in your exhaustion, remember this: you are brave, resilient, and full of love for your family. There is no shame in wanting peace, and there is no shame in seeking help to find it.

With heartfelt wishes for your healing and happiness,

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Anu

Anu Krishna  |1633 Answers  |Ask -

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

Relationship
Hi Anu, I am Mr R. Recently I came to read about the life situations many are facing and saw you are helping them. Am also in a situation like that. I am a single child to my parents.I had a fair childhood till I reached my 8th std. From that point (I don't know why and how) my father changed completely. He started quarrelling with my mom about small things and things worsened. I have seen my mom crying all day. I didn't know what to do at that time. I felt lonely, alone, frustrated.In my 11th grade, my father and mom decided to get separated. Father decided to sell our house but we had much debt in the bank as my mom had taken loans to build a new house. Later my father told her to sign in the divorce paper so that he could sell the house and give us the money to clear bank dues.He sold the house for a huge amount but gave us a small portion of it, which was not enough to clear the dues. Mom fainted in the government office when he told that he won't give us a single penny. In family court I have seen mom crying in front of the judge when he asked whether she wants to continue with my father or get divorced. She did not have an option, but to tell the court judge she wanted a divorce.From that day, I cared for my mom more than ever, more than my life. I couldn't even think of anyone telling me bad about my mom. We moved to a rented house and stayed in rented houses for about more than 15 years.My mom is 59 and will soon retire. She wants me to get married before her retirement. So I told her ok.Things change here.... This is my situation now and I need help.... I wrote about my past life above because I want Anu mam to know why am writing this mail to you....I was 28 when my mom wanted me to get married. But I was not ready for it. I wanted a girl who would love my mom more than I did. I wasn’t sure if a girl from a matrimonial site would be able to love my mom.However, one day my mom said she had found a good girl for me from a matrimony site and showed me the photo. She was from a rural area. We lived in the city. I asked my mom if will be a good match. She’d spoken to the girl’s family members and felt they were good. We decided to go and see the girl. When we went to her house, she was very polite and well behaved with my mom. I felt like I was about to start a new chapter in life. That it will be a good beginning. But it wasn't.Six months after marriage her attitude towards my mother was very rude sometimes. I felt bad but ignored. As days passed, she started debating with my mom for silly matters.1. The first quarrel was regarding the name of a fish. We bought some fish in home... My mom said this fish name is xxxx.... My wife told the fish name is xx and they started debating2. As am from Kerala, my mom had prayed that she will do my thulabharam if I get married before her retirement. In the temple my wife was meant to stand next to me during the ritual. However, when I searched for my wife she was standing far away. My heart broke. I began to worry if my life will also turn to be like my parents'.3. Two months after my marriage I heard that my father had committed suicide. I went to the temple to complete his last rites. As per the ritual, when I return home, my wife is supposed to prepare a sadhya (a full meal). But she fought with me for some silly matter and went to sleep without eating anything. She hadn’t cooked anything that day. My mother begged her to have food but she didn’t relent.She’d quarrel on all festive occasions be it Onam or Diwali. I didn’t tell anyone about it. When things get tense at home, she’d pretend to be ill and short of breath. One day I informed her brother. What he told shocked me. He told me to ignore her saying she must be pretending. I am worried that if something happens to her, I’d be blamed for it. With this fear, my mom and I are tolerating her.After 2 years of marriage, she became pregnant and gave birth to a baby girl. One day I saw my mom crying. When I asked her, she said that whenever my mother takes my baby in her hand my wife comes and grabs the baby away.One day I closely monitored the situation. I saw her grabbing my baby from my mother when my mom took her. I asked my wife, what's wrong and scolded her. The situation got worsened and she gave a silly answer.... She told me, she is worried about whether my baby will fall down from my mother's hand..... I informed her family and they gave her some advice and told her she need some doctor consulting regarding this.... While talking to their family I realised that she was like this before marriage as well.After the advice, for a few days, things were calm. Later, she started again. She'd stare at my mom whenever she'd give any advice.She is negative in all ways. Now her dad and mom have stopped calling me. Today while writing this e-mail she’d scolded my mom for recording my baby’s video saying my mom will send it to everyone. My baby was wearing a top and diaper nappy. When I asked her why she is behaving like this to mom, she said that my mom is not good to her. I cannot explain each and every quarrel but the reasons are quite silly. What should I do? After my father's issues, I thought my life after marriage will be good but it’s proving to be wrong.Waiting for an answer.
Ans:

Dear Mr R,

What exactly are you looking for as guidance from me?

That is something that you haven’t clearly stated.

Your narration of the story of your life gives me an understanding that you are at crossroads right now.

When at crossroads, ask yourself:

  • Where am I right now?
  • Am I stuck and unhappy?
  • How can I move forward from here?
  • What are the best alternatives that I haven’t tried before?
  • Have I done everything in the marriage to build it?

Clearly you and your wife see things differently and the only way is to sort this out if that’s what you want.

Coming from different backgrounds, there have possibly been a lot of adjustment issues for her.

Also, your closeness to your mother might have somewhat interfered in looking at your wife’s issues clearly and getting closer to her.

These are possibilities and since I do not know what you actually seek, I can only say: if you want to save your marriage, work on it with the help of your mother who as an elder can advise you appropriately.

It takes two people to build a relationship and it takes just one unrealistic expectation to bring that relationship down.

So, cast aside any expectation and approach this with a clear mind and a kind heart.

All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Relationship
Hi Dr Ashish., Please keep it as anonymus. I am married from the past 7.7 yrs outside my community. It was an arrange cum love marriage. He was a kind of aurthodox mindset and I agreed to all his terms & conditions without understanding peroperly before marriage. Then after I tried my level best to do as I was agreed to it. For an example not having friendship with the opposite sex etc. His father is a negative person and always doubt on me if I speak to my real & close cousins(Kaka's son). I stopped talking to my friends& cousins for him. This went till a year, then his father beaten me when I back answered him for something, then after we left the house. Since then we are staying separately from his father but he keeps coming to our house in my absense. I had left my job after marriage then after 3 yrs of marriage I again started working, I continued my futher study(LLB). Now his father is getting older, he wants to keep his father with us. By keeping everything a side I agreed. But as the domestic violance was already happened in the past, he is fearful if it happened for 2nd time I may take a legal action which I had not done earlier. Now he is asking me to give divorce and to stay together. He says is the relationship is only with the paper.We won't tell this to the world, it would be confidential between you & me. I want you & need you but I know my fathers nature & your nature. There are possibilities that the same incident may repeat in the future. If we divorce then you won't be able to take a legal action. I want to be anxiety free. I am egoistic, sometimes speaks rudely & trust me I am working on it and I am observng the changes in me as well day by day, still when he provokes me my temprament goes up. Since we married we hadn't a good relationship bcoz he feels I have cheated him because I speak to my male friends, male colleaugues, hand shake etc buy I know it is only professionally. He says you have less introspection, I am literally failed to convince him.Neither I like or go out with my male friends, after office either I go to temple or home. I handle all the household chores with my job. Still he doubts & although he is saying he is liberal but genetically the suspicous mindset comes naturally in his behavior. And also he didn't want to start the family, still I accept it. He never make me the nominee of his savings nor he shares about his future plannings. I always share about future, family, my salary & savings. Just bcoz he is not keeping me as nominee I also have stopped him. After every fight, I stop talking to him for my mental peace, take my space then we sit discuss & conclude. Now my mind is saying to move out, but I know after his father there is no one in his life to take care of him. I am disgusted with his mood & mentality. I don't know shall I listen to my heart or mind. Need your guidance.
Ans: Thank you for sharing your story with such honesty. It’s clear that you’ve put immense effort and sacrifice into your marriage, often compromising your own needs to meet the expectations placed upon you. However, the situation you are in is both emotionally complex and mentally exhausting. Let’s carefully explore the dynamics and steps you can take.

Key Themes in Your Situation
Emotional Sacrifices vs. Trust Issues:
You’ve made significant sacrifices—distancing yourself from friends and family, adjusting to a different lifestyle, and even tolerating past mistreatment. Yet, your husband’s lack of trust and persistent suspicion continue to dominate the relationship.

Past Trauma with His Father:
The physical violence and controlling behavior from your father-in-law have left deep scars. Even though you’re willing to let him live with you again, your husband’s unusual request for a confidential divorce signals that he prioritizes his own fear of legal repercussions over building trust and stability with you.

Lack of Reciprocity:
While you share your financial plans and contribute to the household both emotionally and financially, your husband appears to withhold significant parts of his life from you. This lack of mutual transparency creates an imbalance.

Communication and Conflict:
Despite your efforts to manage conflicts through discussions and introspection, the cyclical nature of fights suggests that deeper issues—such as trust, control, and insecurity—remain unresolved.

Your Inner Conflict:
You feel torn between your empathy for his loneliness and your need to protect your mental health and autonomy. This inner struggle is a testament to your strength and compassion but also highlights the toll this relationship has taken on you.

Questions to Reflect On
What Do You Want from This Relationship?
Is this marriage providing you with emotional security, mutual respect, and a sense of partnership? Or is it mainly a source of stress and self-doubt?

Is the Current Dynamic Sustainable?
Considering the repeated conflicts, unresolved trust issues, and the request for a confidential divorce, ask yourself whether continuing in this relationship aligns with your personal growth and mental well-being.

What Do You Value Most?
Do you prioritize staying in this marriage to support your husband and his father, or do you feel the need to reclaim your independence and peace of mind?

Recommendations
Seek Clarity about the Divorce Proposal:
Have an open and honest conversation with your husband about his request for a divorce while staying together. Ask him:

“What do you believe this arrangement will solve? How do you see it benefiting both of us?”
This can help you understand his perspective and decide if it aligns with your values and goals.
Set Clear Boundaries:
If his father moves in, establish clear rules about behavior and communication. Ensure that your husband fully supports and enforces these boundaries to prevent any repeat of past violence.

Evaluate the Trust Issue:
Trust is the foundation of any relationship. If your husband continues to doubt your professional interactions or friendships despite your transparency, consider whether this suspicion is something you can work through together or if it’s an inherent barrier.

Seek Professional Mediation:
Consider involving a counselor or mediator to help you both communicate more effectively. A neutral third party can help address unresolved issues, including trust, respect, and shared responsibilities.

Prioritize Your Well-Being:
You’ve been handling multiple responsibilities—work, studies, household chores, and emotional compromises. It’s essential to focus on your mental health. Taking time for self-care isn’t selfish; it’s necessary to make sound decisions.

Plan for Independence:
Whether you choose to stay or leave, ensure you have a solid plan for your financial and emotional independence. Keep your career and savings intact and consider leaning on trusted friends or family for support.

A Gentle Reminder
A relationship is meant to nurture, support, and inspire both partners. If it consistently drains you or leaves you questioning your worth, it’s worth reconsidering its place in your life. Empathy for your husband and his situation is admirable, but it should not come at the cost of your own peace and happiness.

Take time to reflect deeply. Whether you decide to stay and work on this relationship or move forward on your own, the choice should align with your core values and long-term well-being.

If you’d like to discuss further or need help navigating this situation, I am here to guide you.

Warm regards,
Ashish Sehgal

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

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

Asked by Anonymous - May 19, 2024Hindi
Listen
Relationship
Hello madam, I have a very toxic environment at my house, my mother is depressed because my father is 55 years old and looks around other woman in the village, my mother warned him many times but he don't listen to my mother, actually my father is an army retired so during his job they had very little time together, and after retirement there are lots of fights between them, I think my father is such an animal that one day he asked my mother to let him sleep with her friend, so my mother's friend stopped coming in our house, and my mother is short tempered, controlling personality, she wanted to control each and every person in the house, even after my marriage my mother want to control me and my wife, she pulls out our strings , Can I change them ? Or should I leave the house and start living away from them, as I said she is very controlling personality so she will not allow us to live at some other place because she puts a society pressure on us that what people will think, actually I don't care about other people saying but she emotionally blackmail us that she has done a lot of things for me , don't leave me alone in this house like this, I don't know what could be the right step. Should I leave the house and start living on my own or there is some way by which I can change them . Please help me take decision
Ans: Navigating such a complex and toxic family environment is incredibly challenging. It's important to recognize that while you may deeply care for your parents and want to help them, changing deeply ingrained behaviors and dynamics within a family, especially those involving control and emotional manipulation, is extremely difficult. Your mother's controlling nature and your father's inappropriate behavior are significant issues that likely require professional intervention, such as therapy, which they may or may not be willing to pursue.

Given the emotional toll this environment is taking on you, it is crucial to prioritize your mental and emotional well-being. Establishing boundaries is key. If you and your wife are constantly subjected to a controlling and toxic atmosphere, it can severely impact your relationship and personal happiness. Moving out and living independently could provide the necessary space to foster a healthier and more peaceful life. While this decision might be met with resistance and emotional blackmail from your mother, it's important to remember that your responsibility is first to yourself and your immediate family—your wife and, if applicable, your children.

Living separately doesn't mean abandoning your parents. You can still support them from a distance, visiting regularly and offering help when needed. This arrangement can also give your mother the opportunity to address her issues with your father without involving or impacting you and your wife directly. It's about finding a balance between being there for your parents and protecting your own well-being.

Ultimately, moving out could lead to healthier relationships all around, as distance might lessen the daily tension and allow everyone to develop more respectful and less intrusive ways of interacting. This decision requires courage and clear communication. Discuss your plans with your wife, ensure you are both on the same page, and approach your parents with empathy but firmness about your need for independence. While you can't change your parents, you can change how you interact with them and set boundaries to create a healthier environment for yourself and your future family.

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Asked by Anonymous - Dec 05, 2024Hindi
Relationship
Hello Sir. I am unwilling to disclose my name. I come from a nuclear family based in Kolkata. I am in a very painful situation and I need your suggestion earnestly. The problem arises with my father. He is 66 , retired and a stay at home dad. He has severe anger issues, is demanding and controlling and often tells certain things verbally that are very traumatic for me. My hands and legs tremble and my heart beats rapidly when ever we have an argument as I am a peace loving person. Of late I have realised that I prefer to maintain distance from him . In all honesty I respect him but my love for him has long gone. My mother is a very demure person and is a stay at home mom. In order to not make my father angry or agitated by any means and to maintain peace in the house, she prefers to do what he prefers. I love my mother dearly but my father calls us a bunch of liars and is agitated that I support my mother. Even though I earn, I am in no position to leave my family/ house and shift elsewhere because I respect my mother's will. But I am traumatized and severely in mental agony. I can neither show my anguish nor express my situation to anyone for fear of being misunderstood. I am often asked to remain silent and not talk back to my father but sometimes the words are unbearable. He financially supports our family and you wouldn't believe if I told you that he has a completely different side when he is not in one of his' moods '. But Sir, does being the head of the family means to step over others and do what you feel like, irrespective of what the other members in your family feel? Additionally talking or communication with him also fails because he threatens to leave the house or just pushes us away. Even when I am writing this tears are streaming down my face. I am slowly becoming a shell of myself and am scared. Am I being selfish? Am I missing out something? I am so so tired of adjusting and compromising. I believe I have never ever written such a heart felt message. Can you help me out? Can you tell me how things can be resolved? Regards MR.
Ans: Dear MR,

First, let me acknowledge your courage in expressing these deeply personal emotions. It is not easy to articulate such pain, and your message reflects a strong desire to find clarity and relief in a situation that feels overwhelming. Let me assure you, you are not alone, and there are steps we can take together to help you regain a sense of control and peace.

Understanding the Dynamics
Your father’s behavior, while difficult and hurtful, seems to stem from his own unresolved emotions or unmet needs. Retirement, aging, and a sense of losing relevance can sometimes manifest as controlling or angry behavior in individuals who were once accustomed to authority or a sense of purpose. However, this does not justify his actions. Emotional safety is as important in a home as financial support, and it appears this balance is missing.

Your mother, with her passive approach, may be coping in a way that avoids confrontation but also leaves you feeling unsupported and isolated. This dynamic creates a cycle where you’re left holding the weight of everyone's emotions, which is exhausting.

Addressing Your Internal Conflict
Let’s begin by addressing the questions you’ve asked yourself:

Are you being selfish? Absolutely not. Wanting to protect your mental well-being is not selfish—it’s necessary. You cannot pour from an empty cup, and neglecting your emotional health will only harm you in the long run.
Are you missing out on something? Perhaps the only thing you might be missing is recognizing that this is not your fault. It is easy to internalize blame in such situations, but this is not about you failing—it’s about a family dynamic that needs healing.
Steps Toward Resolution
While changing deeply ingrained patterns takes time, here are some immediate and long-term strategies to help you navigate this situation:

Self-Regulation First:

When arguments or confrontations arise, focus on calming your body first. Practice deep breathing or grounding techniques. For example, count your breaths slowly or focus on the sensation of your feet touching the ground. This will help you regain control over the trembling and rapid heartbeat.
Create a safe mental space for yourself. When you feel overwhelmed, imagine a place where you feel secure and loved. Retreat there mentally for a moment to regain your composure.
Establish Emotional Boundaries:

Decide what you will and won’t accept during conversations. For instance, if he raises his voice or says something hurtful, consider calmly saying, “I want to have this conversation, but not if we can’t speak respectfully.” If he continues, you can excuse yourself from the situation.
Have a Gentle Conversation:

Choose a time when your father is calm. Express your feelings in a non-confrontational way. Use “I” statements to avoid triggering his defensiveness. For example, “I feel very hurt and scared when we argue, and it affects my health. I want us to have a peaceful relationship.”
Involve a Neutral Third Party:

Sometimes family dynamics require external mediation. If your father is open to it, consider family counseling. A neutral professional can help facilitate healthier communication patterns.
Build Your Own Resilience:

Strengthen your emotional boundaries through self-care. Engage in activities that bring you joy, whether it’s a hobby, spending time with friends, or pursuing a passion.
Journaling can also be a powerful tool to process your emotions and find clarity. Write without judgment—just let the words flow.
Support Your Mother with Empathy:

While you may feel frustrated by your mother’s silence, understand that she too is coping in the best way she knows how. Gently encourage her to find her voice and share her feelings when she feels safe.
Seek Community Support:

If you cannot share your situation with friends or family, consider joining a support group (online or in person). Knowing you’re not alone can be incredibly healing.
Plan for the Future:

While moving out isn’t an option right now, think about small steps you can take toward greater independence over time. This might include saving money, learning new skills, or preparing emotionally for when you’re ready to take that step.

A Gentle Reminder
MR, healing this situation doesn’t solely depend on changing your father’s behavior. It starts with you reclaiming your power to protect your mental health. Your peace of mind is just as valuable as anyone else’s.

Take this one step at a time. You are not broken—you are resilient. With each small action, you’ll begin to feel more grounded and capable of navigating this challenge.

If you ever need to share more or simply vent, I am here to listen.

Warm regards,
Dr. Ashish Sehgal

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Anu

Anu Krishna  |1633 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 2024

Asked by Anonymous - Dec 06, 2024Hindi
Listen
Relationship
Hello Ma'am. I hope you are doing well. I am not willing to disclose my name. I hail from a nuclear family comprising my parents and myself. I am 28. I was hesitating at first but I am suffering from severe mental agony. The cause of this is my father. My father is extremely volatile, getting aggressive and verbally violent in the smallest and most random of issues. I am an extremely peace loving person as my job as a teacher is demanding. My mother is very demure and prefers to do things hus way to maintain peace in the house. Whenever aggravated situations like this arise, and I have a debate or argument with my father, I generally keep my voice calm but hands and legs tremble and I have palpitations. I lose my semblance and become unable to place my opinions. When I see my father like this, I feel scared to the core. I start remembering the violent childhood beatings that I used to get for not able to cope with studies. I respect him but have realised that my love for him is long gone. The words that he spews verbally, add to my scar and trauma. My mother asks me to remain silent and let him calm down on his own. But the words scar me. I am increasingly becoming distant from my father. I am at a phase in life where I am earning but am not stable. Moreover I worry for my mother as I love her dearly. Can you suggest me how to cope with such a difficult situation? I am earnestly looking forward to your suggestions. Regards MR
Ans: Dear Anonymous,
There's little that you can do to change the dynamics of the relationship between your mother and father. Your mother chooses to be submissive and your father has also got used to being the decision maker and things work between them. So leave it at that.
Now, when it comes to you; you have a choice of going through it or doing something about it. You are 28; so what if you are not earning well...maybe stepping out of home will help you re-think and move to something better that lets you earn better as well. At times in life, strong decisions like these are life-changing and they must be made. Is this going to change the relationship between you and your father? No, it wont; but at least you have a chance at a life that you can build for yourself. It's time you grew into your own skin and at this moment if you don't do that for yourself, the rest of your life you will be playing the role of a victim and blaming your father for things not going well for you. You have a choice!

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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Nayagam P

Nayagam P P  |8262 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
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IIIT Kanchipuram any branch including Mechanical or NIT, Tier 1/2 lower branch ,- Which is better in terms of salary package through campus and better career prospects.
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Career Counsellor - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Career
IIT Bombay civil or RVCE CS?
Ans: Indian Institute of Technology Bombay’s B.Tech in Civil Engineering is consistently ranked among the top three engineering programs in India (NIRF #3 2024) and its department features 55 faculty, PhD-led research in seven specialization areas, world-class laboratories (structural, geotechnical, water-resources, transportation, remote sensing) and strong industry–academia linkages through consultancy projects. The program reports an 82.47% placement rate over the past three years with core and interdisciplinary recruiters and a median package of ?17.92 LPA. In contrast, R.V. College of Engineering’s B.E. in CSE is NAAC A+ accredited, staffed by over 30 research-active professors across AI/ML, networks, cybersecurity and big-data, supported by 47 specialized computing labs and 104 corporate MoUs for internships. It sustains a 97% placement consistency with an average package of ?19 LPA and regular campus drives by Oracle, Microsoft, Cisco and Goldman Sachs.

For unparalleled global reputation, multidisciplinary research infrastructure, and assured core-civil placements, the the recommendation is IIT Bombay Civil Engineering. If your priority is cutting-edge software engineering, higher average packages and robust industry internships in technology, recommendation shifts to RVCE Computer Science & Engineering. All the BEST for Admission & a Prosperous Future!

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Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Money
I am 32 earning 1 lakh per month, have a land of buying cost 34 lakhs last year. 15lakhs in ppf doing sip 3000 per month total value now 3lakhs and have total pf as of now 6 lakh. I have a kid who will go in 1st std next year how to plan for retirement at the age of 58 and study for my kid
Ans: You are 32 years old, earning Rs. 1 lakh per month.
You bought a land for Rs. 34 lakhs last year.
You have Rs. 15 lakhs in PPF, Rs. 6 lakhs in EPF, and Rs. 3 lakhs in mutual funds.
You are investing Rs. 3,000 SIP monthly in mutual funds.
You have a child who will enter 1st std next year.
You want to plan retirement at 58 and child’s education.
Let’s now give you a 360-degree step-by-step plan.

Start With Understanding Your Financial Priorities
You have two major life goals.

First is your retirement by age 58.

Second is child’s education after Class 12.

Both need early and focused planning.

Inflation will impact both strongly.

You must increase monthly savings now.

You are starting early, that is very good.

Don’t Rely on Real Estate for Wealth Creation
You bought land for Rs. 34 lakhs last year.

But land gives no regular income.

It doesn’t grow steadily like equity.

It can be illiquid during need.

Prices don’t move yearly like mutual funds.

Avoid further real estate buying now.

Focus on financial assets for goals.

Retirement Plan – Needs Long Term Vision
You have 26 years for retirement.

It’s enough time to build good corpus.

But only if you invest in right way.

PPF and PF alone are not enough.

Inflation will reduce value of these savings.

You need equity exposure for real growth.

Start investing monthly in mutual funds.

Increase SIP every year slowly.

Assets You Already Have for Retirement
EPF: Rs. 6 lakh today.

PPF: Rs. 15 lakh today.

MF: Rs. 3 lakh today with Rs. 3,000 SIP.

These are good starting blocks.

But more action is needed from here.

Suggested Monthly Investment Plan
Your income is Rs. 1 lakh per month.

Aim to invest 30% to 35% for goals.

That is around Rs. 30,000–35,000 monthly.

Split this between retirement and education.

Recommended Monthly Allocation
Rs. 20,000 per month for retirement.

Rs. 10,000 per month for child education.

Rs. 5,000 per month for emergency fund.

Suggested Categories for Retirement SIPs
Choose 3 to 4 mutual fund categories:

Flexi Cap Fund
Gives wide market exposure.
Grows steadily over time.

Large & Mid Cap Fund
Balanced growth and safety.
Invests in top 250 companies.

Aggressive Hybrid Fund
Has mix of equity and debt.
Safer during market correction.

Balanced Advantage Fund
Auto-adjusts between equity and debt.
Helpful when market turns volatile.

Why Not Index Funds
Index funds copy index only.

No active fund management.

Cannot protect from market falls.

Gives no human decisions or adjustments.

Not suitable for critical goals like retirement.

Actively managed funds work better in India.

Choose actively managed mutual funds only.

Why Not Direct Mutual Funds
Direct funds look cheap, but risky.

No guidance or review support.

You pick funds based on guess.

Wrong choices will ruin your future.

Regular plans through MFD with CFP are safer.

You get annual review and planning support.

Cost is small, but value is very high.

Increase Your SIP Yearly – Very Important
Start with Rs. 20,000 for retirement.

Increase SIP by 10% every year.

That is just Rs. 2,000 extra each year.

Over time this builds huge wealth.

This is better than starting late.

Child Education Planning – Step by Step
Your child is now in UKG or LKG.

You have 11–12 years till Class 12.

Then 4–6 years for higher studies.

That means goal is around 15–17 years away.

Ideal Investment Options for Child’s Education
Start SIP in 3 categories:

Flexi Cap Fund
Good for long-term growth.
Adjusts to market cycles.

Mid Cap Fund
Risky in short term, but good long term.
Use small amount here.

Aggressive Hybrid Fund
Gives safer exposure with equity touch.
Can be used for earlier goals too.

Do Not Depend on Insurance Policies
If you have LIC or ULIP, check returns.

Most give poor returns around 5%.

These are not for investment purpose.

Only useful for basic life cover.

Surrender such policies if no lock-in.

Reinvest in mutual funds instead.

Emergency Fund – Often Ignored
Create emergency fund equal to 6 months income.

Rs. 6 lakh is ideal.

Put in FD or liquid mutual fund.

Don’t use this for investment.

This is for job loss or health crisis.

Health and Term Insurance – Must Have
Take term insurance of Rs. 1 crore or more.

Very cheap if bought early.

Protects family if something happens to you.

Also take health insurance for family.

Don’t depend only on employer cover.

Medical costs are rising very fast.

Asset Allocation Strategy for You
70% in equity funds.

20% in PPF + PF.

10% in emergency savings.

This ensures growth with safety.

Estate Planning – Future Ready
Create a WILL once assets grow.

Nominate your spouse or child in all accounts.

This gives peace of mind.

Taxes on Mutual Funds – Be Aware
If held more than 1 year, tax is LTCG.

Above Rs. 1.25 lakh gain taxed at 12.5%.

Short-term gain taxed at 20%.

Debt mutual funds taxed as per your income slab.

Withdraw smartly to reduce tax.

Track and Review Your Plan Every Year
Mutual funds need yearly review.

Don’t change funds every 6 months.

See if goals are on track.

Switch funds if they underperform for 3 years.

Do not panic during market fall.

Market rewards patience.

Use Support from Certified Financial Planner
CFP gives full 360-degree financial help.

Not just fund selection.

You get proper goal planning.

You get review and rebalance yearly.

Always work with MFD who is CFP.

You will avoid big mistakes.

Finally
You are earning well at young age.

You have already started investing.

That is a very good step.

You need to increase SIP amount.

Don’t depend only on PPF and PF.

Use mutual funds for both your goals.

Don’t take direct or index fund route.

Avoid real estate or insurance-based plans.

Do yearly review with MFD and CFP.

Stay disciplined for next 26 years.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
I have mortgage property loan of Rs. 30 lacs from chola mandalam finance and I have paid emi regularly till 14 months now i am unable pay my emi as i am suffering from financial crisis please help me and guide me
Ans: First, I appreciate your honesty in asking for help. Many hesitate during such tough times.

You’ve paid 14 EMIs regularly. That shows strong commitment. Now you are facing a temporary crisis.

This can happen to anyone. What matters is how you handle it now.

Let us look at the full situation from a 360-degree view and give you clear steps.

Immediate Actions You Must Take

Right now, your EMI is unpaid. Missing more payments will affect credit badly.

Take these steps without any delay:

Talk to Chola Mandalam immediately.
Don’t wait. Don’t ignore their calls.
Visit the nearest branch and speak to the loan manager.

Explain your situation clearly.
Carry documents or proofs showing financial stress – like job loss or business loss.

Ask for a restructure.
Request them to lower the EMI, extend loan term or give moratorium.
They may offer one-time settlement, but take it only if you can pay.

Avoid taking more loans to pay EMIs.
That will worsen the crisis.

Never give cheque bounce or default silently.
That invites legal action. Stay in touch with them.

Your honest approach can help you get some relief. Institutions respect genuine cases.

Options That May Be Offered by Chola Mandalam

Lenders have several options for borrowers in difficulty. Not all are declared openly.

You can request for any of the below, depending on your need:

EMI Moratorium:
A short break from payments (maybe 3–6 months).
Interest will still add up.

EMI Restructuring:
Your EMI is reduced and loan term is increased.
Total interest will be more, but EMI becomes affordable.

Temporary Interest-Only Payment:
You pay only interest for a few months. Then normal EMIs resume.
Used in genuine short-term problems.

One-Time Settlement:
If you can pay a lump sum, bank may accept lesser final amount.
But this harms your credit score. Use only if no other way.

Ask clearly and choose based on your affordability.

Assess Your Existing Financial Picture

Now let us check your finances from a full-angle view. Please consider these steps:

List all current loans.
If this is the only loan, pressure is less.
If there are other loans, then priority planning is needed.

List all income sources.
Salary, business, spouse income, rental, side work.
Even small income helps pay part of EMI.

List all expenses.
Remove non-essentials. Cancel or reduce subscriptions, luxury items.
Every rupee saved can go to EMI.

List your liquid assets.
Check if you have these:

Bank deposits

Emergency fund

Gold

Matured insurance

Any mutual funds or shares

Can you redeem any of these? Use only what is idle. Don’t disturb your full future planning.

If You Hold ULIP, Endowment or LIC Policies

You may have some insurance-cum-investment plans. If yes:

Check if surrender value is available.

Surrender and use that to clear EMIs or reduce loan.

Insurance returns are poor. Mutual funds are better long-term.

Use the money to settle or restructure your mortgage.

This will reduce pressure and bring peace.

Do Not Go for These Wrong Moves

Avoid these common mistakes. They seem helpful short term but are harmful:

Taking loan from credit card or personal loan – very high interest

Borrowing from friends or family without clarity – causes emotional stress

Selling good long-term investments in panic – check if loss is more

Ignoring bank notices – this will worsen legal action

Using apps or unregulated loan apps – dangerous harassment and high charges

Your solution must be safe, legal, and structured.

Can You Rent Out Part of Property?

If your mortgage property is a house, flat, or commercial space:

Check if part of it can be rented.

Even Rs.5000 to Rs.10000 monthly rent helps pay part of EMI.

You can also consider working from home if that reduces travel or office costs.

Explore Additional Income Sources

During crisis, every extra income counts. Try any of the below:

Tuition or online teaching

Part-time job or freelancing

Food or delivery services

Small resale or side business

Spouse’s contribution if possible

This may not solve full EMI but helps reduce stress.

Consider Selling the Property (Only if No Other Option)

If your income is gone for long term and loan is big, consider this:

Sell the mortgaged property, repay loan, and stay debt-free.

Use balance money for rent and basic needs.

Later, when finances improve, plan new asset creation.

Don’t see this as failure. It's wise decision-making. Mental peace is more important.

If Property is About to Go for Auction

If you get bank’s legal notice under SARFAESI Act:

Do not panic.

You still have 60 days to reply and stop auction.

Go to bank and give written application to settle or restructure.

Take legal help if needed.

Propose a buyer yourself, if you plan to sell.

Your cooperation helps the bank trust you and hold auction.

Impact on Credit Score and How to Handle It

If EMI default continues:

Your CIBIL score drops.

Future loans get difficult.

Co-applicant also suffers.

But with regular communication, settlement, or restructure – damage can be reduced.

After recovery, slowly rebuild credit by:

Paying small EMIs on time

Taking secured credit card

Using savings account-linked credit tools

Credit repair takes time. But can surely happen.

Avoid Investing Now Until You’re Stable

Even if someone suggests new investment to cover loss – please avoid now.

Don’t invest in:

Real estate

High return schemes

Stock tips or F&O

ULIPs or traditional insurance plans

Your current focus must be:

Stabilise cash flow

Repay debt safely

Secure basic family needs

Then plan long-term investments

When You Become Stable Again, Plan with Expert Help

Once this crisis is under control:

Build emergency fund again

Don’t over-borrow again

Invest in mutual funds through regular plans

Use a Certified Financial Planner to plan goals

You will come back stronger.

Finally

Talk to Chola Mandalam finance without delay

Request EMI pause, restructure or partial payment

Don’t ignore notices

Use only safe income and assets to repay

Avoid panic loans or investments

Sell property only if nothing else works

Rebuild slowly after stability

This phase is tough, but temporary. Stay strong and take calm steps.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 06, 2025Hindi
Money
Is it wise to gift my hard earned money to my NRI son to invest in real estate in UAE. I am sceptical on this
Ans: Your scepticism is healthy and actually very necessary. Gifting your hard-earned money to your NRI son for real estate in UAE may look like support, but it comes with serious long-term implications.

Let us evaluate this decision with a 360-degree lens.

Emotional Value vs Financial Value
You love your son. That’s clear.

But love must not override wise decisions.

You spent years earning that money.

You need clarity before letting go of control over it.

Understanding Real Estate in UAE
Real estate in UAE is highly speculative.

Prices are driven by demand from expatriates and global factors.

There is no permanent ownership for foreigners in many areas.

Rental yields can be low and inconsistent.

Real estate is not a liquid asset.

Selling property during urgency may take months or even years.

You may end up gifting money that locks itself away.

Legal & Control Issues in Gifting
Gift to NRI child is permitted under LRS (Liberalised Remittance Scheme).

But once given, you have no legal control over how it is used.

You can’t reclaim the money, even if plans fail.

If your son buys in his name, you can’t access or sell the property.

It’s not like FD or mutual funds where joint holding can give fallback.

What If Things Don’t Go as Planned?
UAE economy is oil and expat driven.

Suppose your son loses his job or plans to move – what happens to the property?

You won’t be able to manage it from India.

Even if he rents it out, managing tenants from a different country is tough.

Real estate is not just buying. It's about upkeep, legal, tenant issues, resale.

Risk to Your Own Retirement
Have you completed your own retirement plan yet?

Do you have Rs 4 to 5 crore retirement safety net in place?

Do you have emergency funds and health funds built?

Are all your goals like daughter’s wedding, family medical fund, travel set aside?

If not, gifting a large sum is like taking oxygen off your own mask first.

Better Alternatives You Can Offer
If your son is trustworthy and you want to help, consider:

Loan instead of gift, with proper documentation.

Partial support, not entire funding.

Ask him to contribute equally or take a loan in UAE.

Support through mutual fund SIPs in his name.

Help him build liquid, growing assets, not locked real estate.

This way, he gains and you are not fully exposed.

Real Estate Is Not a Great Wealth Creator Today
You must avoid the emotional belief that property equals security.

Real estate doesn’t grow consistently.

Mutual funds with active management have outperformed property in last 10 years.

Property also has costs, taxes, repairs, and no regular income.

Mutual funds are far superior for growth, liquidity, and risk control.

Questions You Must Ask Before Gifting
Can I afford to lose this money forever?

Have I written my own financial plan and retirement strategy?

Is my emergency, health, and life cover fully secured?

What if the property fails to generate returns?

Will this affect my peace of mind in old age?

If any of these answers cause hesitation, don’t gift.

Emotional Boundaries in Money
Helping a child is fine.

But giving up your financial independence is not fine.

Children may not understand money the way you do.

If the money is wasted, the emotional scar stays with you, not them.

So act not just with heart, but with eyes open.

Final Insights
You are right to feel unsure. That means you are thinking wisely.

Gift only if:

Your own retirement and future is 100% secure.

You don’t need the money ever again.

Your son has detailed plan, not vague hope.

Property is just a part of a diversified portfolio.

Else, help him partially, not fully. Help with knowledge, not only money.

Build your own peace and dignity in retirement first.

Then give from abundance, not from pressure or guilt.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |8262 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
My son is getting CSE in BPIT or IT in BVOEC in ipu under home state Or IT in JIIT sector 128..which is better..fee no issue
Ans: Jitendra Sir, Bhagwan Parshuram Institute of Technology’s CSE program offers NBA accreditation under GGSIPU, PhD-qualified faculty and modern AI/ML, networking and software-development labs. Its CSE branch sustains approximately 85–90% placement consistency with average packages near ?9–10 LPA and campus recruitment by TCS, Infosys, Amazon and Microsoft. Bharati Vidyapeeth College of Engineering Delhi’s IT department, also GGSIPU-affiliated, features state-of-the-art cloud, cybersecurity and full-stack development labs, yet records a lower ~67% placement rate and a median package of ?6.5 LPA through recruiters like IBM, Accenture and ZS Associates. Jaypee Institute of Information Technology Noida’s IT program, a NAAC-accredited deemed university, leverages 47 specialized labs, industry MoUs and mandatory internships. Over the last three years, IT placements averaged around 100% participation, yielding an average package of ?9.4 LPA and median ?7.5 LPA alongside top recruiters such as Microsoft, LinkedIn and Cisco.

For the strongest placement consistency, higher average packages and cutting-edge infrastructure, the recommendation is JIIT Noida Sector 128 IT. If balanced placement and specialization in core computing appeal, the recommendation shifts to BPIT CSE. For cost-effective IPU home-state admission with moderate outcomes, choose BVCOE IT. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
hi sir. pls advice on apt fin instruments/ choices for a lumpsum investment of 5 lacs. I mean pls recommend options. Horizon of investment would be 10 yrs or so. Its idle for some time.
Ans: You want to invest Rs. 5 lakhs lump sum for around 10 years. You are not looking for real estate or index funds. This is a good thought process. Idle money loses value. Let’s plan carefully.

Why Planning Before Investing is Important
You must protect your capital.

But you also must grow it wisely.

Idle money loses power due to inflation.

With 10 years, you can take some risk.

Right mix of growth and safety is needed.

Mutual funds offer that balance.

Avoid short-term products for 10-year goals.

Direct stock investing can be risky alone.

Don’t go by tips or news-based investing.

Invest based on goals and risk level.

Lumpsum Vs SIP – What’s Better
SIP suits regular income like salary.

Lumpsum is good for one-time idle money.

But putting all at once is not safe.

It can enter at market peak.

Better to spread lumpsum using STP.

Start with parking in a debt fund.

Then move to equity through STP monthly.

This is safer and smooth.

Avoid lump sum in equity funds directly.

Why Mutual Funds Are Ideal
They are flexible and transparent.

You can track and switch any time.

You get professional management.

Diversification lowers the risk.

Returns are better than bank FDs.

Long-term tax is low for equity funds.

You get better growth with patience.

Easy to start and monitor.

Why to Avoid Index Funds
Index funds just copy the index.

They cannot reduce losses in falling markets.

They have no active management.

Not suitable when market is at high level.

You will ride full fall in a crash.

Index funds are not for conservative investors.

You cannot rely on them for protection.

Actively managed funds do better in India.

Why Not Direct Plans
Direct plans give no service or support.

You pick and manage funds yourself.

No one guides you on exit or switch.

You may choose wrong funds and lose money.

In direct plans, there is no review help.

With regular plans via MFD with CFP, you get advice.

They help adjust during market ups and downs.

Their service is worth the small extra cost.

Best Options to Invest Rs. 5 Lakhs Lump Sum
You can divide this into three buckets.

Bucket 1: Debt Fund (Rs. 1 lakh)
Put this in liquid or short-term debt fund.

This gives you liquidity and capital safety.

Can be withdrawn anytime for emergencies.

Ideal for sudden needs or buffer.

Helps with stability in total portfolio.

Bucket 2: STP to Equity (Rs. 3.5 lakh)
Park in arbitrage or ultra-short fund first.

Then do STP to equity funds monthly.

This avoids sudden market fall risk.

Ideal for smoother equity exposure.

You can do STP over 12 to 18 months.

Choose 2 to 3 good equity funds for STP.

Bucket 3: Hybrid Fund (Rs. 50,000)
This gives you equity plus debt in one.

Safer than full equity fund.

Good for moderate risk and stable growth.

Also useful when market is uncertain.

Fund manager adjusts exposure actively.

Suggested Fund Categories for Equity Portion
Choose actively managed funds only. Here are ideal categories:

Flexi Cap Fund
Manager can invest across large, mid, small caps.
Adapts to market cycles.
Useful for long-term growth.

Large & Mid Cap Fund
Mix of stability and returns.
Better than full midcap risk.
Good for balanced exposure.

Balanced Advantage Fund
Adjusts equity-debt mix dynamically.
Lowers downside risk.
Ideal for first-time equity investors.

Aggressive Hybrid Fund
65% equity and rest in debt.
Safer and more consistent than pure equity.
Suitable for 10-year horizon.

Additional Points to Consider
Do not keep this full amount in savings or FD.

Avoid gold, ULIPs, or insurance-cum-investments.

Do not buy NFOs or new schemes without record.

No need to invest in more than 3 equity funds.

One fund per category is enough.

Stay away from small-cap or sector funds.

Rebalance your funds every year.

Work with a CFP for better guidance.

This ensures long-term discipline and safety.

Tax Rules You Must Know
Equity Funds Taxation:

If held over 1 year, taxed as LTCG.

LTCG above Rs. 1.25 lakh taxed at 12.5%.

Below Rs. 1.25 lakh is tax-free.

Short term gains taxed at 20%.

Debt and Hybrid (below 65% equity):

Taxed as per your income slab.

No special benefit for long-term now.

Better to use equity-oriented hybrid funds.

Review and Monitoring
Check your portfolio once a year.

Avoid checking every week.

Don’t panic if market drops.

Market needs time to reward patience.

Switch funds only if performance lags.

Always take advice before making changes.

Keep emotions out of investing.

Life Insurance and Investment
If you hold LIC or ULIP plans:

These mix insurance and investment.

Check returns over 5 years.

Most give low returns like 4–5%.

Better to surrender if lock-in is over.

Reinvest in mutual funds for growth.

Buy pure term cover separately.

Finally
Rs. 5 lakh can grow well in 10 years.

You must plan it wisely.

Avoid direct stock or index options.

Use mix of debt, hybrid and equity funds.

STP is safer than lump sum in equity.

Keep emergency fund separately.

Don’t invest all in one category.

Review yearly with MFD having CFP certification.

Choose regular plans for service and rebalancing.

This ensures you stay on right track.

A proper plan avoids wrong decisions.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 27, 2025Hindi
Money
I am 58 years old. Plan to retire in 2 years. Have 50 lacs in mutual funds. 30 in hdfc balanced advantage.fund dividend option. How can i generate 50000 in SWP. Is it possible?
Ans: You have built Rs.50 lakhs in mutual funds. That’s a good foundation. You are also two years away from retirement. These steps show foresight and responsibility.

Many people reach retirement without preparation. But you have built an investment base. That deserves appreciation.

Now, let’s look at whether a monthly SWP of Rs.50,000 is possible.

Understanding Your Current Portfolio Structure

You mentioned Rs.30 lakhs is in one fund — a balanced advantage fund. It’s in the dividend option.

The rest, Rs.20 lakhs, is assumed to be in other mutual funds. Let’s review what this structure means.

Balanced Advantage Funds (BAF)

These funds move between equity and debt.

They aim to reduce risk during volatility.

Good for conservative to moderate investors.

Suitable for retirees seeking lower risk.

May give stable but not very high growth.

Dividend Option – Not Ideal

Dividend is not fixed income.

It depends on fund profits and SEBI rules.

May be stopped anytime.

Tax is deducted at source (TDS).

You lose the power of compounding.

So, staying in dividend option is not wise. You are not in control of the income.

You Want Monthly Income of Rs.50,000 Through SWP

Let’s see if this is possible and sustainable.

Rs.50,000 per month means Rs.6 lakhs per year. From Rs.50 lakhs, this is 12% annual withdrawal.

Now we assess the safety of this withdrawal rate.

Why 12% Withdrawal Rate is High

Mutual funds don’t give fixed returns.

Equity funds can give 10-12%, but not guaranteed.

Debt and hybrid funds give 6-8% usually.

If you withdraw more than growth, capital reduces fast.

In bad years, portfolio value may drop sharply.

So, withdrawing 12% yearly is risky. It may not sustain for 20+ years.

Better Withdrawal Strategy for Your Case

To make your money last longer, try these:

Withdraw only 6-7% yearly, not 12%.

Keep part of portfolio in safer debt funds.

Keep equity funds for long-term growth.

Start SWP from debt side, not equity side.

Review portfolio yearly with a Certified Financial Planner.

Delay full SWP till after retirement, if you can.

With Rs.50 lakhs, a monthly SWP of Rs.30,000 is more realistic. That is Rs.3.6 lakhs per year, about 7.2% withdrawal. This is safer.

How to Structure Your Portfolio for Retirement

At 58, you need less risk and more peace. Structure is very important.

Here’s a suitable approach:

Debt Funds: 40% (Rs.20 lakhs)

Balanced Advantage / Conservative Hybrid: 30% (Rs.15 lakhs)

Equity (Flexi or Large cap): 30% (Rs.15 lakhs)

This creates a mix of growth and safety. You can draw monthly income from debt funds.

How to Generate SWP from This Structure

Start Systematic Withdrawal Plan (SWP) from debt funds.

Keep 3 years of expected income in safe funds.

That’s Rs.18 lakhs for Rs.50,000 per month for 3 years.

This protects from market shocks.

While you draw income, equity portion keeps growing for future.

This way, you don’t sell equity when markets fall. That protects your capital.

Why Direct Funds May Not Suit You Now

You didn’t mention whether your funds are direct or regular. But at this stage of life, direct funds can be dangerous.

Disadvantages of direct funds now:

You manage everything alone.

No guidance on withdrawals.

No emotional support during market fall.

Risk of picking wrong funds.

Tax planning becomes tricky.

Better to invest through regular funds with a Certified Financial Planner.

You will get:

Correct asset allocation

Help in SWP planning

Regular reviews and rebalancing

Peace of mind in retirement

Avoid Index Funds in Retirement

Some may suggest index funds for retirement. But this is not wise.

Problems with index funds:

No protection in market fall

No active risk management

Not designed for income

Not good for capital safety

Instead, use actively managed funds. They adjust based on market and economic changes. Safer for retirees.

Consider These Important Retirement Rules

When building retirement income, keep these principles in mind:

Do not chase high returns.

Safety and stability matter more.

Don’t withdraw from equity during market dip.

Don’t invest in ULIPs or endowment plans now.

Don’t rely on dividends for income.

Avoid annuities, they give poor returns and no flexibility.

Always keep emergency fund ready.

Tax Implications on SWP

With SWP, you are redeeming units. This triggers capital gains.

Latest tax rules for equity funds:

LTCG above Rs.1.25 lakh per year taxed at 12.5%

STCG is taxed at 20%

For debt funds:

Both LTCG and STCG taxed as per your income slab

So, SWP from equity may give lower tax. But only if holding is more than one year.

From debt funds, tax can be higher. Plan SWP from long-term holdings first. Also, stagger redemptions smartly.

A Certified Financial Planner will plan redemptions tax-efficiently.

Role of Your Spouse in This Planning

Check if any part of investment is in your spouse’s name.

If not, shift some. This helps split income and save tax.

Also, if your spouse is younger, invest more in their name. This increases investment horizon.

Other Income Sources Must Be Considered

Don’t depend only on mutual funds. Check these too:

Pension

PF or EPF

Bank FDs or SCSS

Post Office income schemes

Rental income (if any)

Part-time work income

Mutual fund SWP should be one part of income, not the only one.

Review and Rebalance Regularly

Once SWP starts, review every year.

Look at:

Fund performance

Remaining capital

New needs

Tax changes

Market movements

Adjust accordingly. This ensures money lasts your full retirement.

Should You Exit LIC or ULIP Plans?

You didn’t mention any LIC, ULIP, or insurance policies. But if you have such investment policies, assess them.

If they give poor returns (below 5%), consider surrendering.

Then, reinvest that amount into mutual funds with a planned structure. This improves growth and liquidity.

Emergency Fund is Still Needed

Even in retirement, you need backup. Keep 6-12 months expenses in liquid funds or bank.

This prevents panic withdrawals from equity funds.

You can use:

Liquid mutual funds

Sweep-in fixed deposits

Savings accounts with auto FD feature

SWP Alone May Not Be Enough for Very Long Retirement

If you live till 85 or 90, inflation will eat into value.

Rs.50,000 today may not be enough after 15 years.

So, increase SWP slowly. Maybe 3% rise per year. But don’t overdraw early.

Also, invest some part in equity for growth. This beats inflation in long term.

Finally

You are well-prepared with Rs.50 lakhs in mutual funds.

Monthly SWP of Rs.50,000 is aggressive, but not impossible.

Reduce it to Rs.30,000 to make it more sustainable.

Avoid dividend option funds. Move to growth option.

Build a solid mix of equity and debt.

Start SWP from debt side to reduce market risk.

Review your plan every year with a Certified Financial Planner.

Avoid direct funds. Use regular funds for expert help.

Don’t invest in annuities or index funds.

Keep emergency fund separate and ready.

Plan tax-efficient withdrawals.

Make spouse part of the strategy.

This 360-degree plan ensures income, peace, and confidence in retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 08, 2025Hindi
Money
My husband and I together earn 5 lakh per month. We have two kids, 13-year-old and 6-year-old. We spend close to 4 lakh per child on their education. It increases 5 to 10% every year. We have one plot which is valued at some 1.5 crores right now. And another flat which we have recently bought for around 2.5 crores. We have loan of some 35 lakhs right now which we can close in next 2 years. Together we have some 70 lakh in provident fund and 1.2 crore in PPF other than that we have few lakhs worth of gold, gold bonds, in stocks, SIPs etc. total of all this would not be more than 30 lac. Btw My husband is 43 and I am 39. Pls help with financial planning for retirement.
Ans: You and your husband have built a strong foundation. However, with high educational expenses, rising costs, and your desire to retire comfortably, it is important to plan from a 360-degree view.

Below is a comprehensive and simplified retirement strategy for your family.

Understand Your Current Financial Strength
Combined income of Rs 5 lakh/month is solid.

Rs 70 lakh in PF and Rs 1.2 crore in PPF gives safety.

Property and plot are non-liquid but strong long-term assets.

Gold, stocks, and SIPs worth Rs 30 lakh need better allocation.

Outstanding loan of Rs 35 lakh is manageable with your income.

Education costs are high but predictable.

Let’s now break your planning into key areas.

1. Retirement Goal Planning
You are 39. You may want to retire by 58 or 60. That gives you 18–20 years to invest.

Important points to consider:

You will need minimum Rs 4–5 crore (in today’s value).

After inflation, you may actually need Rs 10–12 crore at retirement.

Medical cost after age 60 can be very high.

You need long-term wealth-creating instruments, not just safe ones.

Action steps:

Keep PPF and PF for debt stability. Don't withdraw early.

Increase SIPs systematically. Aim for Rs 1 lakh/month in 2–3 years.

Don’t invest in real estate now. It’s illiquid and difficult to exit.

Do not use direct mutual funds. You need regular plan via MFD with CFP support.

Don’t depend on index funds or ETFs. They copy the index, not beat it.

Actively managed equity mutual funds can outperform over time.

Use them through proper portfolio design with help of Certified Financial Planner.

2. Education Fund for Children
Your elder child is 13. College will start in 4–5 years.

For both children, you need:

Rs 1 crore each for higher education in India or abroad.

More if your children go for postgrad abroad.

Steps to prepare:

Create separate education portfolios for each child.

Use equity mutual funds for long-term growth.

Shift to safer assets 2–3 years before actual usage.

Don’t mix children’s funds with your retirement funds.

Avoid ULIP, insurance-linked policies. They don’t create real wealth.

Don’t use gold or real estate as main sources for funding education.

3. Investment Optimisation
Let’s focus on where you should invest now.

Ideal future portfolio should include:

60–65% in equity mutual funds (actively managed, regular plans).

15–20% in debt mutual funds or PF/PPF/NPS for safety.

5–10% in gold bonds (already covered).

Keep 6 months of expenses as emergency fund in FD or liquid funds.

Rebalance portfolio once a year.

Your Rs 30 lakh outside PF/PPF can be invested as:

Rs 20 lakh in 4–5 diversified mutual funds.

Rs 5 lakh in short-term debt fund or liquid fund.

Rs 5 lakh in gold bonds if needed.

Don’t invest directly in stock market unless you can track and understand companies.

4. Loan Repayment Strategy
You are planning to close Rs 35 lakh loan in 2 years.

Things to remember:

Paying off the loan early is great for mental peace.

But don’t empty all liquid funds while doing it.

Keep Rs 10–15 lakh in FD or debt fund aside.

Use bonus or surplus income to part-pay loan gradually.

If interest rate is above 9%, prioritise early closure.

Don’t use gold, PF or PPF for loan closure.

Once loan is closed, you will free up big cashflow. Redirect this into SIPs.

5. Insurance & Risk Protection
Essentials for your family:

Term insurance for both you and husband – coverage minimum Rs 1.5 crore each.

Don’t use ULIP or endowment plans for investment.

Have family floater health insurance Rs 20–25 lakh.

Buy personal accident insurance for both of you.

Create a will and nominate properly across all accounts.

6. Monthly Budget and Savings Flow
Let’s structure your Rs 5 lakh income:

Rs 60–70k – household expenses

Rs 65–70k – school fees for 2 kids

Rs 50–60k – home loan EMI

Rs 50k – insurance + medical

Rs 20k – gold, travel, others

That leaves over Rs 1.5 lakh surplus. Use this surplus carefully.

Split it like this:

Rs 75k–1 lakh SIPs (via regular plan, actively managed funds)

Rs 25k–30k for debt fund/emergency fund

Rs 10–15k gold savings if needed

Rest for flexible spending or buffer

7. Avoid Common Mistakes
Don’t invest in real estate further. You already have enough.

Don’t buy policies that mix insurance with returns.

Don’t keep all money in PPF, FD or gold.

Don’t use index funds. They are not designed to beat market returns.

Don’t use direct plans. You will lose guidance and make poor fund choices.

8. What to Do Now (Immediate Next Steps)
Review SIPs. Increase them to Rs 1 lakh/month over 1 year.

Create separate SIPs for retirement and kids’ education.

Consult a Certified Financial Planner to build 2 goal-based portfolios.

Plan to invest 60–70% of your gold/stocks in better-managed mutual funds.

Get updated term and health insurance.

Set emergency fund of Rs 10 lakh minimum.

Finally
You have income strength and discipline. But your investments need structure.

Retirement planning is not just saving money. It’s creating the right flow, growth and safety.

Avoid distractions like property, index funds and direct plans.

Focus on your goals with expert help.

Invest via regular plans, through trusted CFP-backed MFDs.

Review every year and stay consistent.

You can retire well, educate both children fully, and live with dignity.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |9477 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
Hi Sir, I am 55 years old. from next month onwards i am planning to invest in SIP for 5 years approximately 20,000 per month and 5,000 for shares. my questions is it good idea. if yes please advice me top 8 to 10 mutual fund. thank you sir
Ans: You are 55 years old and planning to invest Rs. 20,000 monthly in mutual funds and Rs. 5,000 in shares for the next 5 years. This is a sensible move if done with clarity and proper strategy. Below is a detailed guidance from a Certified Financial Planner’s perspective, keeping in mind your age, time horizon, and financial goals.

Assessing Your Investment Decision
Investing at 55 is absolutely possible.

It’s never too late to build wealth smartly.

Five-year horizon needs careful fund selection.

At this stage, capital protection is also important.

You must balance growth with safety.

You are doing the right thing by thinking long-term.

SIPs help in rupee cost averaging over time.

Investing monthly builds good discipline and control.

Suitability of Mutual Funds for You
Mutual funds give diversification across sectors.

You can start small and grow steadily.

SIPs avoid timing the market.

Mutual funds are professionally managed.

Ideal for salaried, retired, or business people.

You get access to equity and debt both.

Perfect tool to grow wealth systematically.

Suitable for your age and risk tolerance.

Flexible and transparent investment vehicle.

Direct vs Regular Plan – Choose Wisely
Avoid direct mutual funds unless you are a pro.

Direct funds give no support or handholding.

A wrong fund choice can hurt wealth creation.

Regular funds come with service from an MFD.

Choose a MFD with CFP certification only.

They help in rebalancing and portfolio review.

At your age, personalised advice is vital.

One wrong step may take years to correct.

The small cost in regular plans is worth it.

It pays for itself through better decisions.

Equity vs Index Funds – Which is Better?
Avoid index funds in your situation.

Index funds copy the market without analysis.

They can’t protect during market fall.

Index funds fall fully with the market.

No fund manager is watching over.

Actively managed funds perform better in India.

Skilled managers pick better quality stocks.

They shift allocation during market stress.

More suitable for your limited timeframe.

Choose actively managed equity funds.

Key Areas for Your SIP Investment
You should invest across three types of funds:

Large-cap for stability

Hybrid for balance

Flexi-cap or Multi-cap for growth

Avoid small-cap or sector funds at this stage.

Focus on consistency and fund manager quality.

Choose funds with 5+ years stable record.

SIPs should reflect your goals and risk level.

Use family MFD with CFP to create a roadmap.

Suggested Diversification of Rs. 20,000 SIP
Your Rs. 20,000 SIP should be split across:

1. Large Cap Funds (Rs. 4,000)

These are less volatile.

Ideal for short-term goals.

Focused on top 100 companies.

2. Large & Mid Cap Funds (Rs. 3,000)

Balanced exposure to safety and moderate growth.

Slightly higher return potential than large caps.

3. Flexi Cap Funds (Rs. 4,000)

Gives freedom to the manager.

Can switch between large, mid, and small.

Good for long-term returns.

4. Aggressive Hybrid Funds (Rs. 3,000)

Blend of equity and debt.

Safer than pure equity.

Suitable for your age.

5. Equity Savings Funds (Rs. 2,000)

Conservative equity product.

Combines equity, arbitrage, and debt.

Lower risk. Regular income.

6. Balanced Advantage Funds (Rs. 4,000)

Dynamic mix of equity and debt.

Adjusts to market conditions.

Helps control downside risk.

Rs. 5,000 Monthly for Shares – Caution Needed
Direct stock investment needs research.

Avoid random stock tips or YouTube advice.

Start with only 1 or 2 good quality stocks.

Choose only if you understand business.

Otherwise, prefer mutual fund route.

Stocks can be highly volatile in short term.

For 5 years, stability is more important.

Build stock exposure slowly if confident.

Important Tips Before You Start
Always keep emergency fund aside.

Minimum 6 months of expenses in FD or SB.

Don’t disturb mutual funds for emergencies.

If you have insurance-cum-investment products:

ULIP or traditional LIC

Consider surrendering them after review.

Reinvest into mutual funds.

Pure term insurance + MF is better.

Taxation of Mutual Fund Returns – Know This
Equity Funds

Profits after 1 year are LTCG.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Short-term (before 1 year) gains taxed at 20%.

Debt Funds / Hybrid with

...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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