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Wife Berates Me for Texting Husband Who Stares, Claims I'm Characterless - What Can I Do?

Kanchan

Kanchan Rai  |613 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 14, 2025

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 27, 2025Hindi
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Hello Maam I see a guy always staring at me. I wanted to ask him publically about this staring things. But instead of doing so I felt more comfortable in messaging and asking about the same. Once I checked his profile on Truecaller bcz we are in same society group. I was curious to know about his weird behaviour. He even give me intense states. I do not understand what he is upto. I feel like being stalked sometimes. So i got his number from society group. I texted him to clarify bt his wife called me and abused me badly. She thinks am trying to have an affair with her husband. I am flirting with him. My texts were plain and casual. I don't know how to make her understand that the guy himself is stalking us. I have seen him many times. I don't know whether m only victim or he persuade other woman too. I just don't know. We come at different time slots for our child to play in society play area bt he also manages to come to the time in which m coming. I find all these things unsettling. I told his wife that the man is making me feel uncomfortable but she was not listening to me. She wants prove. I told her that her husband was trying to approach and give advice related to parenting even when I don't know him personally. We are just flatmates nothing more than that. He lives in the flat in front of mine so i feel he is watching from there. I don't know his real intentions till date. On being asked on what's app why he stare at me. He told me that he has the habit of looking in one direction. N apologise for the same. But my husband confronted him and asked him about the same thing to which he told my husband that am characterless woman and i text him bcz i am not happy with my husband. Can u please help me to understand why is he talking shit about me when I have sent him a plain text to clarify the matter

Ans: What you’re going through is unfortunately not uncommon. A man invades your personal space with repeated staring, gives unsolicited advice, possibly stalks you, and when you attempt to address it with dignity and clarity, he twists the narrative and plays the victim. This reversal—where the actual victim is painted as the aggressor—is a classic defensive tactic by people who know they’ve crossed boundaries and don’t want to be held accountable. His reaction to your message shows his true character. Instead of acknowledging your discomfort and stopping, he projected shame onto you and tried to protect himself by degrading you in front of your husband.

His wife’s reaction, though painful, also makes a certain kind of sad sense—when a woman is scared, shocked, or insecure about her relationship, she may lash out at another woman instead of confronting the man who is actually responsible. That doesn’t make her behavior right, but it helps to understand it. She’s probably reacting from a place of fear, denial, and misplaced anger. You don’t need to justify yourself to her anymore. You tried your best to explain, and the fact that she wasn’t ready to listen shows her unwillingness or inability to see the truth right now.

You’ve done everything someone should do—tried to clarify respectfully, confronted the issue through proper channels, and included your husband. Now, your emotional safety, your dignity, and your peace of mind matter the most.

This man is clearly uncomfortable with accountability, and now he's trying to flip the story to discredit you. Let him. You do not owe him any further energy or explanation. Instead, stay calm, document everything (dates, messages, incidents), and if the staring or stalking continues, consider speaking to the society committee or, if necessary, legal authorities. Not to create conflict, but to protect your space and your truth. If it escalates or becomes more distressing, don’t hesitate to report it formally.

Most importantly, remind yourself—you acted out of strength, not shame. You stood up for yourself when something didn’t feel right. That is powerful. Hold your ground with dignity. You’re not alone in this. I’m here if you want help drafting a response, navigating this socially, or just to talk when things feel too heavy.

You deserve to feel safe and respected in your own home and neighborhood. Don’t let anyone steal that sense of peace from you.

You may like to see similar questions and answers below

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Apr 07, 2022

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Dear LG, Please don't disclose my name. I don't want to share my personal problems with others. I am 45 years old, married 13 years ago; my wife's age is now 38 years. I got two kids. My wife is pretty (she takes lot of care for her beauty) and I want to live simple. I kept faith on my wife so I didn't interfere in her life. From last four years, I am staying away from family (because of work I have shifted to other city, monthly once I go back , purchase everything, give money for expense and return to job). She keeps her mobile with security. Once, by mistake, I read her WhatsApp message. One of her office client was praising her pics and she was responding to him. So I told her, be official, don't entertain, if they fall behind you and we may face problem. She agreed but is doing the same thing and deleting his messages. Then I wanted to see what all things she does in WhatsApp. So her link I shared in my mobile and started reading her messages. She use to chat with one married person from last three years, she changed his name in her mobile and kept his wife's name. Three years back he proposed her with love song. My wife used to support him, sometimes she used to delete the messages. He knows all my family history. Whenever they get time, they used to talk each other in phone. Some messages I read, they were planning to meet also. She always come home very late, I didn't question her because I kept faith, but as I told you I have two kids in home. If she comes late, they are facing a problem (they stay alone until she comes back). Simultaneously she is chatting with another married friend. She says he is like a brother in front of me, but that person says baby, darling, dear, love, etc, in his conversation and forwarded some love songs and calling her for long drive. My wife replied some other day we will go. He replies, You always says same thing. I will become old one day. Then I was surprised and guided my wife indirectly. I told, don't entertain any person they may start to trouble you or if anybody troubling you please tell I will help you. We got two kids so we got lot of responsibility. She got a clue that I am reading her messages, so immediately she deleted all messages and after some days she deleted their numbers, along with that she deleted some other numbers also!  Why, I don't know. Once I told my son, beware, I can track you and tell where are you going and what are you doing. But from that day onwards, my wife is blocking her internet at 6 pm (when her office closes) and unblocking when she returns home. I am worried regarding this behaviour. I have stopped reading her messages now. But now I am feeling very uncomfortable because her behaviour is very soft with me, (previously she was very aggressive, she used to fight with me unnecessarily.) Please guide me how to handle the situation. What can I do now? Sometimes I feel I should leave everything go somewhere or is it a punishment for marrying a pretty girl? What to do? Please guide how handle the situation. Regards.
Ans:

So, in a nutshell, you think your wife was flirting behind your back, you dropped some hints and then she has either stopped, or then stopped you from spying on her phone.

First of all, why are you dropping hints to her instead of talking straight? Which husband is going to appreciate his wife being wooed by other men with all this darling-baby love talk?

Even if she’s not having an affair, the flirty behaviour is bound to make you uncomfortable. Don’t you think you should call her out on it instead of pretending like some other man is making her uncomfortable?

Clearly, she’s enjoying the attention!

You seem very timid and intimidated by your wife. And if her behaviour has changed toward you for the better because you suspect she is guilty of something, all the more reason to get to the bottom of it!

Stop playing games and pussyfooting around her. Do some straight-talking for a change instead of going behind her back and reading messages!

And FYI, being good-looking doesn’t give any spouse licence to make their partner insecure!

 

..Read more

Love Guru

Love Guru   | Answer  |Ask -

Relationships Expert - Answered on Apr 16, 2024

Asked by Anonymous - Mar 27, 2024Hindi
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Hi mam plz help me to solve my problem , I was in relation with a guy I met him in office , and he is good boy because he helped me alot in my tasks , slowly I got attracted to him , and the attraction turns into liking ... I did not refused what he says I have to do it ..that time I was engaged ...and he wants me to meet him privately and refused that sir I am engaged I can't do this ..but he threatens if you will not come i will tell to your fiance and it will affect to your marriage ..I am agreeing what he says and he forced me to do this ..now I am married and my husband is abroad ..now he threating and harrassing me for s*x ...he says he will tell your husband ..I am in so much of stress plz help me mam to get rid of this situation what should I do if he tells my husband ..he will ruin my life and can't involve my parents they are both patient ...he is threating me so much if I tell to police they will involve my parents as well which I don't want ...I blocked him from all the social media but he kept messaging because I am getting notification from blocked messages ..and he keep threating me
Ans: The first thing you should do is come clean to your husband. Spare him the sordid details and just tell him this ex-boyfriend is trying to stir up trouble for you both. How long do you want to remain so stressed? Tell him and end the matter once and for all. I hope he has the good sense to accept your past. And then ignore this idiot, period. Once your husband knows, his game is up. With your husband’s support you may even consider filing a police complaint to teach him a lesson.

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Anu

Anu Krishna  |1622 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2024

Asked by Anonymous - Apr 10, 2024Hindi
Relationship
Dear Anu, Long story please read About the this incident : I am in really a bad situation from last 7 days, My father-in law took, my wife and my children away because, I asked about her attractive behavior (Sexual tentative not sure) , she has shown towards our neighbor. I already directly warned her about his wrong starring twice, year before when we went for 4 families trip. (I have proof from her google account to show she has done wrong searches about him like searching for nickname of boyfriend with his designation etc ...) She is running her own business which is started by her on my encouragement and running ok from 7 years. Suddenly for some work, I called her she is missing from her office for 2.5 hours and no one knows where she went, After 2.5 hours I got a call and when I asked, she said Its a surprise and will tell later. Next day too she said It is secret and will tell later, third day too she said she went out for roaming.(my surprise was, in hot summer day on byke roaming at 10.15 am to 12.15 am ... na naa something is wrong). I started tracking her email by taking her password and notification accepted by her on her mobile. Then I realized the web activity(she was not aware of these things will get stored in google till then), as I said above like gift for boy friend and romantic nick name for someone special who is having xxx designation etc ... always smiling person. Attraction synonyms ... casual sex and serious relationship difference a video etc... All these are only from starting of 3rd March 2024. My Heart was broken, as I am staying in different city and already have plans to go home in few days, I somehow manged 2 days and went home. Next, I was all-over her with big fight. I was blaming her for everything even not feeding kids on time, as I was saying she gets time to spend on chatting or searching etc... I was literally went to nuts, as I warned about him to be careful 2 years ago couple of tiimes. She said she is innocent, she didn't searched all the above I have shown her photos taken from my mobile with her track. she asked how did you know I searched for her, Because of using his designation in search. Finally she agreed she meet him for 15 mints on some professional work, on 16th march and went out after that for another place. But google timelines shows she was at home for entire 2.2 hours. why should she lie for remaining 1.5 hrs if there is nothing wrong happened. why should she say 15 mints only, when she meet him for a profession reason for 2 hours. I am literally not satisfied with her answers. Next day morning my mom returned home, (she don't know anything) from a function in other city which she went 10 days ago. (All these episodes happened next day my mom left home according to search history). Suddenly wife in early hours kept suicide note and left home. I was just sleeping in next room, my mom saw the note and woke me up. Finally we found her on our terrace staircase sleeping there as she takes medication for sleep, she has zero negative artistes. I booked ticket for her dad immediately and asked him to come same day, shown him and explained him all this. That day he is calm and asked what you want to do. I was thinking positive that he tells her not to repeat and stay for a week and go home. He said he wanted his wife to talk to her(my mother-inlaw), I said book ticket for her but unfortunately tickets were not available, seems he is also not interested to book ticket. After next day I intentionally went out by taking my daughter for 3 hours informing, I am going out for 3 hours to him. I thought he will speak to her privately to help her understand. But not sure nothing happened my mother said, he was sitting in living room whole 3 hours and she is in bedroom. Next day she said she is not going for office as I am doubting her behavior.(My in-laws never wanted her to work from start marriage) . But before marriage it self I informed them I am looking for a working wife. As they didn't let her attend job interviews, I am forced to invest in business, my hard earned one year salary with loan and made her owner there. I thought she would be also be happy as owner. She is happily running this for 7 years (of-course no profits and I never insisted too much on profits too as I already closed the loan in 4 years from my salary). Past Episode 1 : 1) when we got arranged married, I was in love with a girl and also deep relationship staying with her for few years too. I just gave her a hint as I took her for my GF marriage reception. (Even I loved her my GF with full heart, due to known reason for both of us, I informed her, I will not marry her before, I stay with her). Once she found a letter from my GF and wrote an email to her husband about out Love afair, I am not sure he took that seriously. 2) My wife also have some love story but, I never asked about that as he didn't want to revel that any time.(its ok before marriage something happen in life), I have an idea about that within short span of marriage, as she was sending messages after 11.30 pm etc. After observing couple of months, warned her twice not do so. one day I was anger and left to office, as I saw her texting again previous night. Evening when, I returned home, she was crying like a baby sitting in living room saying as she had swallowed 10 tablets given to her some reason to attempt suicide. I was shocked and rushed her to hospital and fortunately able to save her. Never discussed about that anytime after that. Episode 2: After around 8 years of smooth life and 2 children, after starting the business one night, I was watching movie in living room and went to bedroom, wife suddenly got surprised and hiding her mobile. I asked her why are you hiding and give me the mobile she didn't, I tried to get the reach of mobile and she didn't let that happen as she hold it strong, I left and came back to other room to sleep. But next morning, she was showing anger on me and vice-versa, I had a quarrel and called up her dad after 3 to 4 days, That time he asked what is the proof she is chatting with someone in night, I don't as I didn't snatched her mobile forcefully. He said she won't do anything like that and asked to be peaceful, after few days thing became normal, as I also don't have proof, I thought it might be mistake my side too. Episode 3 : She started going to a super market everyday at particular time every day. Even though she comes though same road just 1 hour before, she wont stop and get items form there, she used to go after getting ready every day for 15 to 20 days, I observed pattern. Generally she goes with my kids skating to classes in our gated community only and used leave from there. I used to go and meet some friends near that skating classes after a while, but some times she used to be not there, I Observed the pattern she was missing continuously from 15 to 20 days after dropping kids there, I followed by my car and searched didn't found her in the regular place where she tells, after 15 to 20 mints, I was standing there she came to the place, when I asked her she said she went for Vegetables shop near by and shown place and a couple veg's she bought. I was working in reputed software org and earning well. I always think about my wife and children even, I am away from home. For example I go to airport, I buy chocolates for my children, I check, If I can get my wife a good watch deal or buy a bag as she like watches but wont try to spend 200 for a coffee in airport. I go to GOA with friends buy clothes from there, by reducing the bottles, I always show lot of love towards, children and wife as I was working from home past 4 years. Love doesn't mean, I tell her I love you or something, but I always felt pain if she is not well or I never said no, If she asked me take for shopping or somewhere etc. we are always going to movies Of-course its on my interest. never restricted anything for her to spend. Point to note she always spends carefully too. I only encourage her to spend more for to buy anything she wants. This is our present. Taken them to holidays now and then etc ... with all above episodes she says I am doubting her, Am I really? or she is creating the situations? 1) Even after warning not send messages after 11.00 pm in night or asked whom she sent no answer. 2) Episode 2 hiding mobile and giving mobile to me 3) Episode 3 even though she comes in same path every day for a specific time staying in same place 4) Episode 4 Even after warning her about bad starring going for professional her with out discussing and deleting call history of him ( 11 sort calls of 40 to 60 seconds and 2 calls on 4 mints each, in a span of 20 days) and mid night searches etc... am I bad guy? or am I trying to saving my wife from this evil intentions we know in society? What if I would have left her for the them, will my family relation will stay, what would it shows her as? will I become a responsible husband? Now she is trying for a job in her city with parents encouragement and trying to get admission for my daughter in Garde 1, even she has completed Garde 2 this year. Not sure about my son yet. She is spoiling daughter studies. My cute children are not with me now, I came back to my office and staying in PG from yesterday. Not able to concentrate on work or other things, literally crying at times in wash rooms.(even at airport when I saw children of my age went to washroom and cried a lot). what should I do go and beg her for getting angry on her? tell her with whom ever you chat and go I wont bother come home? or leave her and children for their fate? what the use for earning this salary when I cant spend time with my children? everyone says wait for her realize her mistake, If she gets job and takes admission in school will she even consider coming back to me? her mother always controls her father, same her sister in-law with her brother(love marriage). Now my mother and couple of friends(close) say, if I go she will treat you like a slave she will come and do same thing again you cant even ask her. After going home they tried to destroy the evidence I have by formatting mobile by logging into google account and erase device. That is a business mobile she didn't even bothered about customer base of 7 years contacts. Fortunately I could recover contacts. I could also get to know her personal email id that's how I cam to know about her job search and admission search of children. what should I do now? Please advice immediately.
Ans: Dear Anonymous,
My suggestion to couples who are at constant loggerheads and on the verge of a marriage breakdown:
- What can you do to put your marriage back together?
- Can you trust one another yet again?
- Are you both willing to set aside your differences and work towards your marriage?

You have given a detailed account of what has happened and one thing seems clear is that there is NO trust left within your marriage. This itself will prevent you from getting back together. Agreed that you have reasons and proof to doubt her, but if you both want the marriage to work, you will have to start fresh.
Also, the fact that she is searching for a job and also admission for the children suggests that she is looking at moving on without you. So, instead of making assumptions on what is happening and hoping for something to happen, it's time to request for a one-on-one chat with your wife. She may decline, but no harm in trying. The chat can bring forth what she has in mind and if she also wants to be in the marriage or move on. Knowing, asking, understanding can help and guide you on the next steps.

No point going around in circles playing this Hide and Seek game as a couple. Sit down, talk it out and take firm decisions. Your marriage will need a lot of trust and love to be rebuilt; are you willing to go through this journey?

All the best!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |9140 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 22, 2025Hindi
Money
Hi Sir, I have FD-5 lakhs, Stocks-1.5L, MF-3.7L, EPF-1.6L. I do 15K SIP in MF and 5K SIP in stocks every month. Spouse: FD- 10L, MF SIP-10K monthly. We both have an active RD of 10K per month and health insurance of 2L each (in addition to 2L provided for each by my company). We together earn 1.8L monthly. Housing loan EMI of 55K monthly to be paid for next 10 years. We also have life insurance cover. We both are 30 yrs old with no kids as of now. How can we plan our investments? Are our SIPs enough for a target corpus of atleast 3 crore for retirement and child's future?Is the health insurance cover adequate?
Ans: You both have laid a solid financial foundation. Your combined efforts show discipline and focus. Let’s build on this with a comprehensive 360-degree plan. We will examine assets, SIP strategy, insurance, debt, goals, and then fine-tune for retirement and future children’s needs.

Your Combined Financial Snapshot

Combined monthly income: Rs 1.8 lakh

Housing loan EMI: Rs 55,000 for 10 years

Liquid assets:

You: FD Rs 5 lakh, stocks Rs 1.5 lakh, MF Rs 3.7 lakh, EPF Rs 1.6 lakh

Spouse: FD Rs 10 lakh, MF SIP Rs 10,000, RD Rs 10,000

Monthly SIPs: You Rs 15,000 (MF) + Rs 5,000 (stocks); spouse Rs 10,000

RD total each: Rs 10,000 monthly each

Health insurance: Each Rs 4 lakh total (2 lakh self + 2 lakh employer)

Life insurance: Adequate cover

You both are 30, no kids currently, planning for retirement and children later.

Assessment of Current Asset Allocation

Equity exposure: Your SIP and stock holdings (~Rs 1 lakh monthly investment potential)

Debt exposure: FDs, RDs, EPF, loan EMI

Combined investments show good diversification

But future goals need more structured allocation

Housing Loan Impact and Cash Flow

EMI Rs 55,000 takes ~30% of income

Remaining Rs 1.25 lakh covers all expenses and savings

Liquid investments and SIPs still sustainable

Emergency fund must be maintained alongside EMI

Debt is well-managed but needs periodic review

Insurance Cover Sufficiency

Health cover Rs 4 lakh per person is decent now

Group cover may not renew post employment

Consider increasing health cover to Rs 10 lakh each

Add maternity or critical illness riders later

Life cover: you said it is sufficient

Ensure the total covers liabilities and dependents

Check that spouse’s premiums are stable

Emergency Fund and Liquidity

Current FDs and RDs total around Rs 15 lakh + EPF

Maintain liquid or ultra-short debt fund equal to 6–9 months’ expenses

Approx Rs 3 – 4 lakh

Excess FDs beyond liquidity can be reallocated

RDs are for fixed goals; leave them as is

SIP Strategy and Funds Review

Total SIPs: Rs 25,000 monthly (you + spouse)

Your stock SIP Rs 5,000 adds risk without guidance

Direct stock investing needs constant monitoring

Consider reducing or shifting to equity mutual funds

Equity mutual funds are better via regular plans

Direct plans lack advice and discipline

Regular plans via certified financial planner add value

Avoid index funds

They lack active risk management

Actively managed funds adapt to markets

Goals Overview

Retirement Corpus of Rs 3 crore

30 years horizon gives time for growth

Regular equity SIPs are essential

Goal-specific SIP structure recommended

Child Future / Education Funding

If planning kids in next 5–7 years, start small SIP bucket now

Link with periodic increase and aligned fund strategy

EMI and Debt-Free Timeline

EMI ends in 10 years

At that point, more investable surplus will free up

Asset Allocation Strategy

Given your horizon and risk, suggested allocation:

Equity Mutual Funds (via regular plans): 60%

Direct Stocks: 5% max

Debt Instruments (PPF, debt funds): 25%

Liquid / Emergency: 10%

Your current FDs and RDs act as debt and liquidity.
Eigenize reallocation gradually to align:

Keep RDs as debt/income bucket

Shift some FD surplus to equity via systematic transfer

Monitor equity weight annually

Goal-Wise Investment Structure

1. Retirement Goal (25–30 years)

Use multi-cap and flexi-cap active mutual funds (regular)

Allocate Rs 10,000–15,000 monthly initially

Increase SIP by Rs 1,000–2,000 annually or with raises

2. Child / Education Goal (if applicable)

Create separate SIP of Rs 5,000 monthly

Use hybrid or balanced funds for moderate return and risk

Increase as income grows

3. Liquidity & Debt Management

Keep Rs 3–4 lakh in liquid/ultra-short debt fund

RDs and EPF remain untouched for discipline

4. Direct Stocks

Limit to 5% max of total equity

Allocate through regular plan equity funds for core growth

Tax Efficiency and Capital Gain Management

Equity long-term gain taxed at 12.5% above Rs 1.25 lakh annually

Short-term gain taxed at 20%

Debt funds taxed as per slab rate

Redeem based on gain threshold to minimise tax

Using regular plans brings CFP guidance for timing

Annual Review and Rebalancing

Review fund performance yearly with your CFP

Rebalance allocation to maintain % split

Shift equity to debt as risk appetite changes or new goals arise

Avoid top-up changes during market peaks

Policy and Expense Monitoring

Track monthly expense; ensure it stays within Rs 55–60k

Evaluate FD interest vs inflation; many may underperform

Shift underperforming debt to better instruments with CFP help

Maintain healthy ratio between secured and growth assets

Scaling Your Plan Over Time

As EMI ends, redirect surplus to goal SIPs

Add retirement corpus SIP to utilize freed cash

Increase health insurance to Rs 10 lakh each

Consider child education needs when family grows

Final Insights

Your current savings habit and risk control are strong.
You both earn and save well, even after loan EMI.
Insurance needs enhancement, especially health cover.
Emergency fund creation is needed.
Asset rebalancing will align with your medium and long-term goals.
Regular SIPs, via CFP-managed plans, will support both retirement and future goals.
Gradual increase in SIP and insurance forms the backbone of your future financial stability.

With disciplined monitoring and structured planning, reaching a Rs 3 crore corpus is realistic.
Post-EMI, your surplus can accelerate this growth further.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9140 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 22, 2025Hindi
Money
Hello Sir, I am 48-years old, single woman working with Central Government. My monthly salary is 1,35,000. I have no pending loans. My investments are 25,000 in stock market, monthly SIP of 15,500. Invested in the following mutual funds since 2017: 1) DSP BlackRock Top 100 Equity Fund-Rs 500 2) HDFC Credit risk debt Fund-Rs 500 3) ICICI Prudential MidCap Fund-Rs 1000 4) SBI Flexicap Fund-Rs 500. Since Jan 2025 I have additionally invested in 1) SBI Nifty Index fund- Rs 2000 2) SBI Flexicap fund- Rs 5000 3) Nippon India Nifty Small cap 250 Index fund-Rs 2000 4) Motilal Oswal Midcap fund-Rs 2000 5) Motilal Oswal gold and silver ETFs Fund of funds-Rs 2000. A lumpsum amount of Rs 40000 has been invested in Tata large and mid cap fund regular plan (since 2003). I have 17 lakhs in PPF (contribution of 1,50,000/year), monthly rental income of 14,500, 8 lakhs in FD, 50000 contribution every year in NPS (Tier 1). My monthly expenses are around 40-50000 per month. Should I invest in NPS Tier 2 too? Is my investment in mutual funds right? Should I invest more in them and which ones? I have 16 lakhs in my savings account wherein I want to keep 5-6 lakhs as emergency funds and invest the rest. How should I go about it? Since the Government covers me for health scheme, I have taken no medical insurance. My future plans are to buy a house 5-6 years before retirement (sell the present one) and to have a comfortable retired life. Kindly suggest.
Ans: You have a stable government job and regular salary.

Monthly salary of Rs 1,35,000 is a good base.

No loans means strong financial health.

Monthly expenses are moderate, around Rs 40,000 to Rs 50,000.

This gives good surplus each month for investment.

You also earn Rs 14,500 as rental income.

It adds stability to your cash flow.

You already have Rs 16 lakhs in savings bank account.

Rs 8 lakhs is in FD.

Rs 17 lakhs in PPF is a strong tax-saving foundation.

NPS Tier 1 contribution of Rs 50,000 is tax efficient.

You are already doing many things right.

Emergency Fund and Liquidity Planning

You want to keep Rs 5-6 lakhs as emergency fund.

This is appropriate for your lifestyle.

Keep it in liquid or ultra-short term fund.

Avoid keeping too much in savings bank.

Rs 10 lakhs idle in bank is underperforming.

That money should earn more returns.

Do not lock entire amount in FD.

Keep part of it accessible in case of need.

Review of Current Mutual Fund Portfolio

You have invested in both active and index funds.

Older holdings:

Equity large-cap, mid-cap, flexicap are good for long term.

One credit risk fund is not needed now.

Credit risk category carries default risk.

Can exit gradually with support from MFD.

Recent SIPs include:

Multiple index funds and ETFs.

Smallcap and midcap exposure is high.

One fund of fund on gold and silver.

These need refinement.
Here are the observations:

Overlap across funds may lead to inefficiency.

Exposure to index funds brings limitations.

Index funds copy the market, give average returns.

No flexibility for active management during downturns.

They fail to capture superior opportunities.

Tracking error and sector weight imbalance are concerns.

During market corrections, they fall equally hard.

They work only in very long term, with patience.

Instead:

Active funds are managed by professionals.

They adjust portfolio based on market signals.

This helps reduce risk and increase potential gains.

MFD with CFP support will guide timely changes.

A few good active funds with long track record is better.

Regular review improves performance and control.

Gold and silver fund of fund:

Good as hedge, but not core holding.

Avoid making it more than 5% of portfolio.

Long-term return from gold is average.

Silver is more volatile.

Use for diversification, not wealth creation.

Direct funds are not mentioned.
But if you plan to switch in future:

Avoid direct mutual funds.

No advisor support for fund management.

You may miss rebalancing, exit points.

Regular plans via MFD give lifelong handholding.

Certified Financial Planner brings structured asset allocation.

Returns can be better after fees when decisions are guided.

Asset Allocation Strategy

You need balanced exposure across asset classes.

Here is a better structure:

Equity: Around 55-60%

Debt: Around 20-25%

PPF + NPS: Around 15-20%

Gold + silver: Around 5%

FD or Liquid fund: Emergency only

You can build core with 3-4 quality active equity funds:

One flexicap

One large and mid-cap

One midcap

One balanced advantage or hybrid

Add one conservative debt fund for stability.
Use MFD help to switch from overlapping or weak funds.

Avoid small SIPs in many funds.
Instead, consolidate into fewer focused funds.
Increase SIP amount where funds are performing.
Avoid frequent fund changes.
Follow 3+ year holding mindset.

Review of SIP Strategy

Current SIP of Rs 15,500 is good.
You can increase it now with available surplus.
You have capacity to increase it to Rs 25,000 to Rs 30,000 per month.
This will improve retirement corpus in next 10-12 years.
Avoid adding new schemes unless needed.
Use existing good performers and top them up.
Track fund returns every 6 months.
Exit underperformers in consultation with your MFD.

PPF and NPS Investment

PPF:

You contribute Rs 1.5 lakhs per year.

It is tax-free and safe.

Good for retirement planning.

Keep contributing till maturity.

Keep nomination updated.

NPS Tier 1:

Rs 50,000 per year is helpful for tax saving.

It is long term and low cost.

Exposure to equity can be adjusted.

Leave it as it is till 60.

NPS Tier 2:

Not recommended.

No tax benefit.

Lock-in flexibility is poor.

Better to use mutual funds instead.

SIPs in mutual funds are more liquid and transparent.

Your Housing Plan and Asset Liquidity

You want to buy a house after 5-6 years.
You also want to sell current one.
This is fine if it is need-based.
But don’t treat house as investment.
Don’t use too much of savings for it.
Try not to compromise on retirement fund.
Ensure liquidity and diversification stay intact.
Home buying should not disturb your financial independence.

Medical Coverage Planning

You are covered under government health scheme.
But personal health insurance is still advised.
Post-retirement, coverage may be limited or slow.
Private health cover will protect savings later.
Get Rs 10-15 lakh coverage with top-up now.
Premium is lower when taken earlier.
This helps in faster hospital support and wider coverage.
Medical cost is increasing every year.

Taxation on Mutual Fund Gains

Equity fund tax changed recently.

LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains are taxed at 20%.

For debt funds, all gains taxed at slab rate.

There is no indexation on debt anymore.

Plan redemptions smartly.
Use MFD support to plan gains in phases.
This avoids high tax in one year.
Avoid frequent buying and selling.
Stay invested for 3 years minimum in equity funds.

Recommendations for Rs 10 Lakh Surplus

From your Rs 16 lakh savings:

Rs 5-6 lakh to remain as emergency fund.

Use liquid fund or ultra-short duration fund.

FD gives low returns and poor liquidity.

Remaining Rs 10 lakh:

Invest Rs 5-6 lakh in 2-3 equity mutual funds.

Add Rs 2 lakh in hybrid or balanced advantage fund.

Keep Rs 1-2 lakh in debt mutual fund.

Spread lump sum over 3-6 months using STP.

Start new SIP or top-up existing funds.

This will ensure diversification and long-term growth.
Also keep Rs 50,000 as buffer for unplanned needs.
Do not invest full lump sum at once.
Gradual investment reduces market risk.

Estate and Nomination Planning

Please check nomination in:

Bank accounts

PPF

NPS

Mutual funds

Insurance policies

Property documents

Single women need to define beneficiaries clearly.
This avoids disputes and delays.
Make a simple Will if not yet done.
Update regularly if your assets or preferences change.

Retirement Readiness and Lifestyle Funding

You are 48 now.
Retirement may come in 10-12 years.
So next decade is crucial for wealth building.
Your current savings are good, but need boost.
You should focus more on:

SIP increase

Fund performance review

Asset rebalancing every year

Retirement goal tracking

Medical support planning

Liquidity and taxation planning

Avoid risky trends or aggressive products.
Consistency and guidance from a CFP-backed MFD matters.
Have annual review and track against your target corpus.
Target corpus should provide post-retirement monthly income.
Adjust corpus for inflation and medical inflation.

Finally

You are on a good path financially.

Your savings, SIPs and discipline are appreciable.

Need to optimise investments and reduce fund overlap.

Avoid index funds due to their limitations.

Active mutual funds with guidance offer better outcomes.

NPS Tier 2 is not recommended.

Medical cover is must, even if covered by employer.

Use MFD support with CFP backing for portfolio review.

Build a clear plan for retirement corpus.

Invest Rs 10 lakh idle money with asset allocation.

Track progress every year with expert help.

You deserve a comfortable and worry-free retired life.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9140 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 23, 2025

Asked by Anonymous - Jun 22, 2025Hindi
Money
I am 35, a teacher working in Coaching industry, earning 80k per month. I have an sip of 5k per month, life insurance 50lakh term plan hdfc , 10 lakh health cover for me and wife, lic cover 4.5 lakh yearly premium 21k approximately. Monthly expense is 20k, 5k sip , 5k ppf and rest i put in FDs. Tell me is the right path on finacial stability or i have to change anything
Ans: You have taken some positive steps already. Still, there’s scope to strengthen your financial plan. Let’s go through every aspect step by step with clarity.

Your Current Financial Standing

You earn Rs 80,000 per month.

Monthly expense is only Rs 20,000.

You invest Rs 5,000 in SIP.

You also contribute Rs 5,000 to PPF monthly.

The rest goes into fixed deposits (FDs).

You have term insurance of Rs 50 lakh.

You hold health cover of Rs 10 lakh for you and spouse.

You have LIC cover of approximately Rs 4.5 lakh per year.

Your discipline in saving, low expense, and holding core insurance are strengths.

Evaluate Your Insurance Cover

Term plan of Rs 50 lakh may be insufficient.

This covers income loss until retirement.
-Consider increasing term cover to at least six to eight times annual income.

As a Certified Financial Planner, I suggest aligning cover with financial dependents and debt.

Health insurance of Rs 10 lakh for both of you is good for routine health events.

Ensure it includes your spouse continuously.

Periodically check co-pay, exclusions, and sub-limits.

Evaluate adding maternity cover or critical illness riders if needed later.

LIC traditional plan costing Rs 21,000 yearly:

Traditional plans often return less than 4–5% after tax.

These act more like savings than pure protection.

Consider surrendering and reinvesting in mutual funds via MFD for higher returns.

Regular fund investment gives you advice, rebalancing, and personalised planning.

Emergency Fund and Liquidity

Current FDs hold your surplus.

FDs offer liquidity and safety but lower returns post tax.

A solid emergency fund of 6–9 months’ living expense is essential.

For you, that’s Rs 1.2 lakh–1.5 lakh.

Maintain that in a liquid fund or ultra-short duration debt fund.

Excess FDs beyond this can be shifted to other goals.

Benefits: better post-tax return than FDs.

Keep FD laddering minimal—only for stable returns when needed.

SIP and Asset Allocation Review

SIP amount is modest compared to your income.

Currently investing Rs 5,000 monthly.

Goal: gradually increase SIP to match future needs.

Shift investment style from direct plans to regular plans.

Direct funds lack expert guidance and periodic review.

MFD through a CFP adds goal alignment, sector checks, and rebalancing help.

Behavioural coaching during market volatility is a plus.

You haven’t mentioned using index funds. That’s okay—actively managed funds are better for risk-adjusted long-term return.

Long-Term Goals and Investment Strategy

At age 35, retirement is a long-term goal (20–25 years).

Equity funds are suitable for long horizon.

Only a modest PPF investment may not beat inflation fully.

Set clear financial goals:

Retirement corpus estimate needed (e.g., 1.5–2 crore).

Other goals: children’s education, home, health emergencies, travel.

Create separate SIP buckets:

Goal-based SIP for retirement.

Another SIP for other future needs.

Automate annual increase in SIP.

Raise by Rs 1,000–2,000 every year or with income hikes.

Helps keep pace with inflation and growth needs.

Asset Allocation: Equity vs Debt

With low expenses and stable income, you can allocate 60–70% to equity.

Remaining 30–40% in debt or secure instruments for stability.

Recommended Portfolio Structure:

Equity (mutual funds via regular plans) – 60–70%

Debt – 20–30% (FD, PPF, liquid funds)

Emergency/liquid – 10%

This balance gives growth and safety aligned with your timeline.

PPF Evaluation

PPF contribution of Rs 5,000 per month is fine.

But PPF has long lock-in and fixed rate.

Use it as a safety net and retirement top-up.

Invest more via equity funds for long-term inflation beating.

Insurance and Policy Reassessment

LIC traditional policy: consider surrender.

Gains after surrender may be low.

Switch to mutual funds via CFP for better return.

CFP will guide the timing, tax implications, and fund choices.

Increase term insurance cover gradually.

Add spousal coverage if spouse earns lesser or dependent.

Align cover to income growth or liabilities (e.g., home loan later).

Supplemental protection:

Critical illness cover can help in emergencies.

Add a top-up health insurance or critical illness rider now or later.

Retirement Planning

Retirement is 25–30 years away.

Equity should be primary tool.

Start a systematic retirement fund via SIP.

Include multi-cap or flexi-cap funds.

Review allocation every year.

Gradually reduce risk profile as you near retirement.

Children’s Education / Future Planning

Even if you don’t have children right now, future expenses need planning.

Consider starting a small goal SIP dedicated to child goals.

If you plan to have a child or education needs in 5–10 years, map early.

Tax Planning

PPF interest is tax-free.

FD interest is taxable as per slab.

Mutual fund gains:

Equity LTCG taxed at 12.5% (above Rs 1.25 lakh annual).

STCG taxed at 20%.

Debt mutual fund gains taxed per income slab.

Using MFD helps optimise redemption timing.

Expense Behaviour Monitoring

Your expenses are Rs 20,000 monthly.

That gives a huge saving buffer of Rs 60,000.

Ensure expense tracking is consistent.

Reassess lifestyle expenses annually to identify saving extensions.

Avoid hidden costs like fees, insurance extras, subscription slippage.

Action Plan Summary

Build 6 months of expenses in liquid or ultra-short fund.

Surrender LIC policy and shift funds to MF via CFP.

Increase SIP to Rs 10,000 monthly structured by goal.

Change direct fund plans to regular plans with CFP.

Increase term plan cover and add spouse to health insurance.

Initiate goal-based SIP buckets (retirement, children, travel).

Maintain PPF but reduce over-commitment from income.

Stick with active equity funds—no index or ETFs.

Review asset mix and fund performance yearly.

Adjust SIPs and insurance as income grows.

Finally

You are on the right path with discipline and strong saving habit.
Still, there’s room to make your plan more efficient.
Surrendering traditional policies frees up funds for growth.
Switching to goal-based and regular plan SIPs supports clarity.
Emergency fund ensures security.
Increasing term cover strengthens protection.
Goal-tagged SIP buckets align funds to objectives.
With consistent review and CFP guidance, you can reach financial stability fast.

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

...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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