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Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
p Question by p on May 07, 2024Hindi
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Relationship

Hello Ms Anu, I am 62 Divorced. My daughters 34 and 29 both have abandoned me cos my ex-wife. I have given them the best child hood, US education and properties ( all my savings of my entire tenure). It looks they are no more interested in me after I gave them. As a senior citizen when I filed at the tribunal to get back what I have gifted ( this is just a fraction of what I have given) , my daughters are filing a police complaint saying I am a dangerous man. Do you think daughters will realize their mistakes and will they come back to me? My ex is a criminal and she had multiple men in her life when we were not together. In spite of it I gave her everything. Anyway I don't expect anything from my ex-wife but I am concerned about my daughters. Apparently I also learn in spite of all those expensive education they are still unable to fins a respectable place in society as an independent human to sustain. It is a pity people call daughters as angels but for me they are the devils.

Ans: Dear P,
This is unfortunate that you have had to go through so much...
But how will you earn their love back with all that bitterness in your heart? I agree that it has hurt you a lot, but to put relationships back together, the first step is to soften down which means FORGIVENESS; very difficult BUT that's the only way for the ego to melt and anything positive to happen.
Are you willing to be the bigger person here and actually forgive your daughters and extend the hand of mending relationships? Think about it...
If they still exist as devils in your mind, nothing good will come out of it...but if you think of them as your daughters, a lot can change...But even after you make that effort, they are unwilling to change, then they are unfortunate...Let Go...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

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Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 23, 2023

Asked by Anonymous - Mar 19, 2023Hindi
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Relationship
Madam, I am 61 years old , retired from Govt service an year ago. I have a problem in my family. Though my wife is a post graduate, she refused to take up any Job and wants all others including her in laws to give her money eternally. Misbehaved with my parents & sent them out of our house for their supposed conservative style and refused to allow my sisters family on a visit and quarreled with me on this ground time & again. She quarrels with me on silly issues loudly infront of kids. She reflects her mother`s attitude in dealing with my parents & relatives. Later She re-started her love affair with her ex lover . Fed up with quarrels at home and keep her away from unwarranted affairs, I decided to go abroad and took her also with me with our 2 daughters. There again, she started another illicit affair with my classmate cum colleague (whom i knew for 2 decades and i treated like a brother and was already married with kids). After 18 months of secret affair , behind me, they finally disclosed and wanted to elope leaving their families behind. Stunned by their ghastly betrayal , I sent my family back to India and also reported the matter to boss, who repatriated that Traitor back. I had to forgive my wife for sake of my Daughters who were aged 12 yrs and 9 yrs then. I am unable to come to terms with their ghastly actions though 2 decades have since passed. We sleep in separate rooms and I have no physical relation with her, ever since as our marriage is over for all purposes. I believe that mutual Trust & respect are the foundations of any marriage. Both are lost in our case. Now my daughters aged 31, 29 are Post graduates but are sitting idle at home wasting time in TV and refuse to do any job as their mother keeps telling them why should women work ?. They refuse to receive any external counselling nor willing to get married nor take up a job nor pursue any studies. They are financially dependent on me. I am now retired and live on Govt Pension. They refuse to understand the reality around them. They have no friend either in Relatives or in their college circles. What to do with their Intransigence? .
Ans: Dear Anonymous,
At 61, you look back and reflect; what choices have you made that has led you to be where you are right now?
Have those choices robbed you of your peace of mind and a better life?
If Yes, it still isn't late to rework and revisit those choices and make better ones.

But for that, this obsession with their ghastly affair must end. The more you are focused on the past, it becomes difficult to create anything beautiful for today and tomorrow. Yes, you felt hurt and were in pain, but to continue to feel the pain is a choice and that is only going to make you more bitter. Consider what is happening with your marriage; you might have to accept that this is the way it will be. If you are not happy with this, then think of what you want to do about it.

It's a good thing that you have begun to focus on your children. They seem to be in need of focus and direction. Since they are adults, it's time you gave them an ultimatum to find a job and move out of home. It sounds cruel, but at times, as a parent you need to do the right thing for your children. So, act NOW and without hesitation.
As for you, as you decide what you want to do with your marriage, involve yourself in social circles and hobbies, travel etc. It will give you a distraction and also a way to calm your mind to take decisions.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

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

Relationship
Hello Doctor, I am 62 Divorced. My daughters 34 and 29 both have abandoned me cos my ex-wife. I have given them the best child hood, US education and properties ( all my savings of my entire tenure). It looks they are no more interested in me after I gave them. As a senior citizen when I filed at the tribunal to get back what I have gifted ( this is just a fraction of what I have given) , my daughters are filing a police complaint saying I am a dangerous man. Do you think daughters will realize their mistakes and will they come back to me? My ex is a criminal and she had multiple men in her life when we were not together. In spite of it I gave her everything. Anyway I don't expect anything from my ex-wife but I am concerned about my daughters. Apparently I also learn in spite of all those expensive education they are still unable to fins a respectable place in society as an independent human to sustain. It is a pity people call daughters as angels but for me they are the devils.
Ans: Dear Sir,

First of all, I recognize how deeply hurt and betrayed you feel. The pain of strained relationships with one’s children, especially when you’ve invested so much love, effort, and resources in their upbringing, can be overwhelming. Your feelings are valid, and it’s essential to acknowledge them without judgment.

Understanding the Situation
Family conflicts often stem from layers of miscommunication, unspoken expectations, and past grievances. It seems your daughters’ actions have left you feeling not only abandoned but also disrespected. However, calling them "devils" might block any chance of understanding or reconciliation. Relationships, even the strained ones, can sometimes find a way to heal, but it requires introspection, patience, and a different approach.

Addressing Your Questions
Will your daughters realize their mistakes and come back to you?
While it’s impossible to predict others' actions, relationships can shift when emotions settle and communication improves. Right now, it seems both you and your daughters are acting out of pain, anger, and perhaps a sense of betrayal. It may take time, and possibly external help, for them to reconsider their stance. The key is to remain open to reconciliation while maintaining your dignity.

Why would they act this way despite all you’ve done for them?
Sometimes, the dynamics of parent-child relationships aren’t purely transactional. Children may not fully grasp or appreciate the sacrifices made by their parents, especially if they perceive emotional or relational conflicts as outweighing financial support. Additionally, your daughters may have been influenced by your history with their mother, shaping their perspective in ways that feel unfair to you.

How can you approach this situation differently?
Right now, the focus is on legal actions, complaints, and blame. While these steps may feel necessary to protect your rights, they can also deepen the emotional divide. Here’s a different way to approach it:

Reflect on Past Dynamics: Without judgment, consider whether there were patterns of communication or behavior in the past that may have contributed to this distance. This isn’t about blame but about gaining insight.
Extend an Olive Branch: Instead of expecting an apology, consider writing them a heartfelt letter. Focus on your feelings rather than accusations. For example, “I feel hurt and abandoned, but I miss the relationship we once had. I want us to find a way to reconnect.” This keeps the door open without escalating the conflict.
Seek Mediation: If direct communication fails, involving a neutral third party, such as a counselor or mediator, can help facilitate dialogue in a safe space.
What about your legal actions?
Protecting your rights, especially as a senior citizen, is important. However, consider how this legal route might affect the emotional dynamics further. If there’s room to negotiate or find a middle ground, explore those options with an open heart and legal guidance.

Rebuilding Yourself
While you focus on mending relationships, it’s equally important to rebuild your inner strength and find peace within yourself:

Invest in Yourself: Engage in activities, hobbies, or social circles that bring you joy and a sense of purpose. This will help you focus less on what’s missing and more on what you can create.
Detach with Compassion: It’s okay to step back emotionally for your own well-being while keeping the door open for reconciliation.
Seek Support: Sharing your thoughts and feelings with a trusted confidant, counselor, or support group can provide new perspectives and emotional relief.
A Gentle Reminder
Your daughters, like all humans, are complex. Their actions may be influenced by pain, misunderstandings, or pressures you may not fully see. While you cannot control their behavior, you can control your response. Approach this journey with patience, dignity, and the hope for better days ahead.

I’m here if you wish to delve deeper into this or need guidance on taking these steps.

Warm regards,
Ashish Sehgal

..Read more

Anu

Anu Krishna  |1765 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 09, 2025

Asked by Anonymous - Apr 06, 2025Hindi
Relationship
Hi Anu! Am a 55yr old Telugu NRI Male. Father of 3 daughters (27, 23 & 18). I luv all 3 of them more than my life. I have struggled extremely hard in my life to reach this position. And, have given my best to them always. They know about that. But, what they have done has broken me. All 3 of them r NRIs like me, and Engineers. Elder one is a Masters from USA. Younger one still studying. I had planned the marraige of my elder one when she was 23. I had already conveyed this to her in advance, for which she agreed. I clearly conveyed to her, that, having 3 daughters, I cannot afford any experiments. Only, if I plan to settle off all 3 of them in a proper and phased manner, I can finish off my duties for the youngest, by the time Im 60. Else, things will become challenging if any one of them delays for any reason, and being in a Gulf Country, I loose my job anytime, or, if I have to return due to health issues, we cud become challenged financially. Effecting the settling of my daughters. So, when I went to India around 4yrs back to initiate the plans for her match making, she stunned me by conveying that, she likes someone (a Telugu but from a different equal caste). Though stunned at her reversal, I went along, and decided to approach the Boy's father, who was a close friend. But, I was in for a bigger shock, where, the Boy's father (my friend) himself approached me, and conveyed in quiet an abrupt manner, that, he is against an intercaste marraige. I conveyed this to her (my daughter) and my wife, in front of my other 2 daughters. To my surprise, i found all my 3 daughters totally silent on this subject. Except my wife, who supported me on the insult I had to face from the Boy's father (my friend). None of my daughters felt pricked at the way he conveyed his message to me. Until this incident, my wife too was supporting my daughter, despite fully knowing that she had reversed from he initial agreement. But, this incident took her away from her support and towards the family respect. This was resented by my 3 daughters against my wife. So, after this, I started to build pressure on my daughter, conveying that, lets put this behind us, and lets proceed with seeing matches for u. She conveyed that, she needs time to heal. I asked her how much time? 1month, 2 months, 6months a year? She wasnt clear about that, which made me upset. And defeated, I left back to my job outside India. Suddenly, out of the blue, I was informed by my wife, that, she has done GRE, and got a very good score of 325/340. And, she plans to go to USA for her Masters on Scholarship. I was surprised, that, I had spent Rs.40K to join a Guidance Class to help her get a good score, which she cud not the 1st time. But, this 2nd time, how cud she get such a good score without any gudance? What was her motiivation? Whatever be the case, I felt proud of her achievement, and agreed to fund her (close to 60 Lakhs). I felt that, getting such a good score, she shud seek admission in a prestigious University, whatever be the cost on me. I had conveyed to her thro her Mom (as we werent on speaking terms), that, this money is for her's and her Sisters marraige expenses, whenever their marriage comes. I had kept aside 20 lakhs each for each of my daughters exclusively as marriage expenses. And, she has to return that amount once she starts earning. This is usually what all kids going to USA for their Masters do. They return back the money taken from their Parents, or pay back the Bank Loans. But, I payed off the Bank Loan (full 60 lakhs), so, that, the interest doesnt burden her, and asked her to pay me back when she can. Condition being, she has to pay back a min 20 lakhs in time for her marraige expenses. I was further stunned and shocked by 2 more reveals. One that, she took the step to do Masters, as the Boy too was in USA, and she followed him there with his concurrence. Which again, she hid from us. 2nd being, she also took this step to escape the marraige pressure from us in the aftermath of the Boy's father's insult to me. All these 3 yrs, she never bothered to even ask or enquire about the Financial Burden her expenses has caused to the Family. Let alone trying to convey how she plans to repay them back. Worse these 3 yrs, she doesnt attend our calls (specially her mother's, as I dont call at all), talks to her Mom in a haughty tone. Seeing her, my other 2 daughters too behave with their Mother, and at times with me to the same way. As if, it is our duty to ensure that, we provide everything to them, and when they ask. Now, it has also become clear thro my 2nd daughter that, my elder one is going to marry the same guy. Where, frankly, me and my wife dont care much about at this stage. But, this betrayal by her and the following her footsteps by her Sisters is eating me day and out. And I feel my life slipping away from my hands. I lost my only Sister, around 25yrs back. Then my Mother around 16yrs back, and my father around 4yrs back. Im alone with just my wife as my Companion. Im financially well off, but, seem to have lost my will to live. I want to live only till my 3rd daughter settles in life. And bid good bye. But, each time I think in such a way, my wife's picture comes in front of my eyes. Me and my wife luv each other a lot. I have not been a perfect husband to her. But, she has always loved me with her full heart, despite her initial mistake in supporting my elder daughter on her actions. The purpose of this query, is not for guidance, but just for sharing my pain, which, I cannot share with anyone. Not even my wife. Else, she will be devastated. She too is extremely pained with the attitude of my daughters.
Ans: Dear Anonymous,
Since you have mentioned that you don't seek guidance but just wanted to share the pain; thank you for writing in and sharing and I wish you well in life and can only hope things get better for you...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Money
I am investing in UTI flexi cap fund since2021 @3000INR/month. Now the accumulated amount is 2,09,000/- . the yield is only 6%. Please advise if i have to switch fund? .if so, please advise fund
Ans: Appreciate you for continuing your SIP with discipline since 2021. Staying invested for more than three years itself shows commitment and patience, which are very important for long-term wealth creation.

» Understanding the Current Return Experience
– A 6% return over this period can feel disappointing, especially when expectations from equity are higher
– Equity-oriented funds do not move in a straight line; different market phases impact returns differently
– The last few years included sharp rallies, corrections, and sector rotations, which affected diversified strategies unevenly
– Short- to medium-term returns alone should not be the only reason for an immediate decision

» Time Horizon vs Fund Behaviour
– Such funds are designed to perform well over a full market cycle, usually 7 years or more
– Performance between 3 to 4 years can remain muted even if the long-term potential is intact
– Your SIP amount is modest, which means consistency and time will play a bigger role than switching frequently

» Should You Switch Based Only on 6% Return
– Switching only because of recent low returns may lock in underperformance
– It is important to check whether the fund still follows its stated strategy and risk control
– If the fund has become inconsistent, or your overall portfolio lacks balance, then a change can be considered
– Any switch should be part of a broader portfolio improvement, not an isolated action

» Portfolio-Level Assessment Is More Important
– One fund should not be judged in isolation
– A 360-degree view should include:

Overall equity exposure

Allocation between growth-oriented and stability-oriented strategies

Your age, income stability, and future goals
– If your portfolio is dependent on only one equity style, returns may appear slow during certain phases

» What to Do Going Forward
– Instead of fully stopping, you may:

Continue the existing SIP for long-term compounding

Gradually add another actively managed equity strategy with a different approach
– Actively managed funds offer flexibility to shift sectors and reduce downside risk, which is not possible in index-based options
– Active management helps manage volatility better during uncertain markets

» Tax and Cost Awareness
– Any switch in equity funds may trigger capital gains tax
– If held for more than one year, gains above Rs 1.25 lakh are taxed at 12.5%
– Short-term exits attract 20% tax, which can reduce effective returns
– Hence, switching should be value-driven, not emotion-driven

» Finally
– Your investment journey is still on track, and this phase does not define long-term success
– With the right diversification, patience, and periodic review, equity investing rewards discipline
– A structured review with a Certified Financial Planner can help align your SIPs with goals and market realities
– Focus on process, not just recent performance

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Asked by Anonymous - Feb 04, 2026Hindi
Money
Dear Sir, I am a medico currently working overseas. My present income is relatively high, but I expect my earnings to reduce over the next 1–2 years due to career transitions and further examinations. Also, I may be starting a family of my own in the near future. I have recently started investing and would like your opinion on whether my overall strategy is sound and how I should prepare for lower-income years ahead. Current situation (approximate): Monthly investment capacity: ₹3 lakh (at present) Expected future investment capacity: ₹1-1.25 lakh per month Existing expenditure: No debts at present, ~approx 1 lakh per month to support parents, 1.5 L per year in their insurance, 50-55k per month on rent, food, and miscellaneous Emergency fund: being built separately, started SBI life during my postgrad years and invested 7.5 L over 5 years, and expected to mature by 2028. Current investment approach: Equity-oriented mutual funds via SIP and lump sum Allocation across flexi-cap, multi-cap, large & mid-cap, mid-cap, small-cap funds Small allocation to liquid funds for short-term needs Investment horizon: long term (10+ years) Fund Allocation % Share Parag Parikh Flexi Cap ₹75,000 25% Kotak Multicap Fund ₹60,000 20% Kotak Large & Mid Cap ₹60,000 20% Axis Midcap ₹45,000 15% Axis Small Cap ₹30,000 10% ICICI Liquid Fund ₹30,000 10% My primary goals are: Long-term wealth creation Financial stability during periods of reduced income Maintaining flexibility for career-related expenses and exams I would be grateful for your views on: Whether this equity-heavy approach is appropriate given future income uncertainty How I should gradually adjust asset allocation as income reduces Any mistakes you commonly see investors like me make at this stage Thank you for your time and guidance.
Ans: Appreciate the clarity with which you have shared your income pattern, responsibilities, and future plans. Starting early, investing seriously, and thinking ahead about income reduction already puts you in a strong position.

» Overall View of Your Current Strategy
– Your present high savings rate is a big advantage and should be used wisely
– Long-term orientation of more than 10 years suits equity-oriented investing
– Supporting parents, planning exams, and future family needs show mature financial thinking
– Your strategy is growth-focused, but it needs better protection for the income transition phase

» Suitability of an Equity-Heavy Approach
– High equity exposure is suitable when income is strong and stable
– Future income uncertainty means volatility tolerance may reduce emotionally, even if risk capacity is high
– Equity-heavy portfolios can show sharp short-term falls, which may be stressful during exam or career pressure periods
– The approach is directionally right, but timing and balance need fine-tuning

» Managing the Next 1–2 Years of Income Reduction
– Use the current high-income phase to build strong safety layers
– Increase allocation to low-volatility and short-term holding options meant only for stability
– Create a clear separation between:

Long-term wealth money (do not touch)

Career transition and exam-related money (capital protection focus)
– As income reduces, SIP amounts can be lowered without stopping investments fully

» Asset Allocation Adjustments Over Time
– Gradually reduce exposure to higher volatility segments as income visibility reduces
– Maintain core equity exposure for long-term goals, but avoid over-dependence on aggressive segments
– Avoid frequent switching based on short-term market movement
– Asset allocation discipline matters more than chasing higher returns

» Liquidity and Flexibility Planning
– Ensure emergency and opportunity money is fully ready before income reduces
– Liquid and low-risk options should cover at least all non-negotiable expenses
– This gives confidence to stay invested in equity during market corrections
– Flexibility reduces the risk of forced withdrawals at the wrong time

» Insurance and Protection Review
– Review the existing investment-cum-insurance policy started during postgraduation
– Such policies are usually low on returns and high on cost
– If surrender conditions are reasonable, consider exiting and redirecting money into more efficient options
– Keep pure insurance and investments separate for better clarity and control

» Common Mistakes Seen at This Stage
– Investing aggressively without enough liquidity buffer
– Reducing investments fully instead of adjusting amounts during income dips
– Overexposure to similar equity styles leading to hidden concentration risk
– Ignoring future life changes like marriage, children, and relocation costs

» Tax and Exit Awareness
– Equity fund exits within one year attract 20% tax on gains
– Long-term equity gains above Rs 1.25 lakh are taxed at 12.5%
– This makes planned withdrawals and phased rebalancing more efficient than sudden exits

» Finally
– Your financial foundation is strong and well thought out
– With better balance between growth and stability, you can manage income changes smoothly
– Focus on structure, liquidity, and discipline rather than only return numbers
– A periodic review with a Certified Financial Planner will help you stay aligned as life evolves

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2026

Asked by Anonymous - Feb 03, 2026Hindi
Money
Hi Sir, I'm 38 years old. Currently doing an SIP of 55000 in these funds in 2 separate portfolios (mine and wife's). My risk profile is moderate to high. I'm targeting to keep investing for next 9 years. Currently my mutual fund portfolio corpus is 24 lac. Target corpus is 1.75 Cr to 2 Cr in 2035. Is this achievable? Do I need any step-ups yearly? Portfolio 1: parag parikh flexicap - 12000 hdfc mid cap - 5500 mirae asset large & mid cap - 8000 sbi gold fund - 5000 sbi multi asset fund - 5500 Portfolio 2: invesco midcap - 5500 ICICI multi asset allocation - 2000 hdfc flexicap - 4500 icici pru nasdaq 100 - 6000 axis silver FOF - 1000 Please review and suggest any changes needed.
Ans: You have done very well to start early, invest regularly, and build a sizeable corpus of around Rs.24 lakh by age 38. Investing as a couple, keeping a long-term view, and accepting moderate-to-high risk clearly show discipline and maturity. This itself puts you ahead of many investors.

» Target Feasibility and Time Horizon
– A 9-year horizon is reasonably good for equity-oriented investing, especially when SIP amount is strong and discipline is visible.
– With a monthly SIP of around Rs.55,000 and an existing corpus already in place, the target range of Rs.1.75 Cr to Rs.2 Cr by 2035 is achievable, but it will not happen by default.
– Market returns will not be even every year. Some years will test patience. Staying invested matters more than timing.
– To improve certainty and reduce pressure in later years, annual step-up is strongly advisable.

» Need for SIP Step-Up
– Without increasing SIP, the gap between effort and target may widen, especially if markets give average returns.
– A yearly step-up of even 8% to 10% can make a big difference over 9 years.
– Step-up should ideally match salary growth, bonuses, or business income rise.
– This keeps lifestyle stable while wealth grows silently in the background.

» Portfolio Structure Assessment
– Overall, your asset mix shows good balance across growth-oriented equity, stability-oriented allocation, and some global exposure.
– Splitting investments between spouses is sensible for long-term planning and tax efficiency.
– Exposure to mid-sized companies adds growth, but it also adds volatility. Your risk profile supports this, but allocation must be controlled.
– Flexibility-oriented funds give stability during market cycles and help reduce sharp drawdowns.
– Multi-asset exposure helps in volatile phases, but too many similar allocations can reduce clarity.

» Observations on Equity Allocation
– There is overlap in categories across both portfolios, especially in flexi and mid-cap styles.
– Too many funds in similar categories do not always improve returns; they often dilute conviction.
– A slightly more streamlined structure can improve monitoring and discipline.
– Growth funds should remain the core, but risk concentration must be watched as the goal year approaches.

» Gold, Silver, and Overseas Exposure
– Limited allocation to precious metals is fine as a stabiliser, not as a return driver.
– Keeping this allocation capped avoids drag on long-term growth.
– Overseas equity exposure adds diversification and currency hedge, but it should not dominate the portfolio.
– Periodic review is important as regulations and valuations change.

» What Changes Can Be Considered
– Reduce duplication across similar equity styles between both portfolios.
– Keep one clear growth-oriented core and one stability-oriented support structure.
– Gradually increase allocation to relatively stable equity styles after age 42–43 to protect accumulated corpus.
– Ensure each fund has a clear role; if the role is unclear, the fund may not be needed.

» Risk Management and Goal Alignment
– As the corpus grows, protecting gains becomes as important as chasing returns.
– Around the last 3 years, volatility management should take priority over aggressive growth.
– Periodic rebalancing is essential, especially after sharp market rallies.
– Emergency fund, health cover, and term protection should be adequate so investments are never disturbed mid-way.

» Tax Awareness While Investing
– Equity mutual fund gains held long term are taxed only beyond the exempt threshold, which supports long-term discipline.
– Short-term exits are costly from a tax point of view and should be avoided unless absolutely necessary.
– Asset allocation discipline reduces unnecessary churn and tax leakage.

» Finally
– Your goal is realistic, your discipline is strong, and your starting point is solid.
– Annual SIP step-up is not optional; it is the key enabler for reaching the upper end of your target.
– Simplification, role clarity of funds, and periodic review will improve outcomes without increasing stress.
– Staying invested with patience will matter more than reacting to short-term market noise.

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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