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Anu

Anu Krishna  |1636 Answers  |Ask -

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

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
Nikita Question by Nikita on Apr 08, 2023Hindi
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Hello mam!! I was in a relationship for 7 years and supported my partner in every ways. In starting it was not that good but ya we have the mindset to make this relationship worth it. I don't know i just changed drastically like even I didn't know how. I started to follow each and every instructions of her it's not like he was forcing it's like i was accepting whichni was not even agree before. But things started to change as he was going through lot of struggles in life and i was trying to be with him. But like every interval of time he started disrespecting me in out of his frustration so like lastly i took a stand for me and leave. He also not want to allow me for work after marriage but i want it. But he comes and said this all things is normal in relationship and nothing like self respect exists so don't overreact in this but i am not convinced. I never disrespect him by words or actions never but take everything from him and feeling empty right now.

Ans: Dear Nikita,
Good that you decided to leave the relationship. He comes across as controlling and demanding. Why would you want to lead a life with someone like that? Freedom in every sense is what relationships grow on and when there is someone instructing you in one way or the other; you know he/she is not the right person for you.
When he normalizes his behaviour, he's in his own way making you feel guilty about you moving away. DO NOT give into this as this is toxic behaviour on his part to get what he wants!
When he is ready to break your self-respect, make sure you draw a boundary around you and be glad that you decided to leave. MOVE ON...focus on your life for now and someone who respects you for YOU will come along...till then know that your self-respect is yours to guard!

Best wishes!

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Anu

Anu Krishna  |1636 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 08, 2022

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Relationship
Hey Anu, I am a 27 year old girl, employed. I was in a relationship with a man who was very caring and lovable but he was not earning well. I used to help him financially. He used to say we will marry, have a family and all that. I was thrilled by his commitment and made me more desperate. His bhabhi had filed a case against his family which he says is completely false and I do believe that he is right. That is not the problem. After the case he has become too negative. He says I’m not thinking about marriage; let's be practical and work on our relationship (when he was under jail, we used to have a lot of fights and I blamed him several times. I don't know if I should have done that or not. I used to tell him you used me according to your needs)My question is should I support him and be with him or just leave everything as I don’t find a connection between us? If I say let’s end it, he puts all the emotional baggage on me. Help me out
Ans:

Dear R,

And what exactly more do you want as evidence for you to value yourself much more?

His being in jail wasn’t enough? Whether he was falsely accused or not is something that you will never know.

Yet, you want to look the other way and give him the benefit of doubt on a man who hasn’t managed to stand on his own feet.

The fact that you feel used is perhaps stemming from your inner voice and you are just protecting yourself.

If you support him, you are always going to wonder whether him going to jail was under a false accusation or not.

So, think if you want to spend time with someone who is dependent on you emotionally and financially and someone who possibly has a hidden past.

Be happy and wise!

..Read more

Anu

Anu Krishna  |1636 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Relationship
Hi Anu, Nice to contact you. I came across many of your conversations online and I would like to share my life situation. If you could help in any way it would be a great support. I am married since 4 and half years now but we have stayed together only for 1 and half years. Rest of it was purely long-distance relationship. It was an arranged marriage and I entered it with great hope and dreams. I still believe I have had only bare minimum expectations from my partner as that of any young woman. After the marriage got fixed I had to leave my job and stay at my hometown. He works in a distant state. We were all hoping that after marriage, I’d go and live with him so will search for a job later. Even during prewedding discussions the talk was that he will shift to a new home before marriage and after marriage he will take me along with him. But two weeks after our wedding he left to work leaving me at his home with his parents in our hometown. He didn’t explain or give any reasons. It broke me. Those 2 weeks were wonderful and the best time of our marriage life. He came after 2 months, rented a new house and took me with him. It was good although small and silly arguments would happen. He loved me and I stayed there for a month. We returned to hometown after a month. He left me there and returned to work in 1 week’s time. I stayed with his parents (in between his mother met with an accident and I stayed with her for like 2 months). He took me back to his place for 3 months. When financial circumstances got bad, he changed. He stopped expressing love in any form other than getting me variety of food items. There was no romance, small talks or travelling outside. He sent me back to my parents’ place for 7 months. It made me really mad and we started to fight over the phone making us more distant. He was facing financial crisis, I wanted to be supportive but he never shared his feelings or plans with me. I never felt involved. Without a job I went into depression. To sort things, I stayed with him for 9 months looking for a job. He never showed any interest. I stayed at home for all those months feeling depressive and insecure. There was no romance, emotional or physical.He is perfect in his words and promises but never in his actions. I believed and waited for 3 years. Then my in laws suggested a job but it was at my native place. As it suited my educational qualifications I showed interest and he said okay. I applied and got the job. Since then I have not visited him at his work place. It’s been 2 years now and I stay with his parents. Due to covid he didn’t come for home for a 1 and half. A few months ago he came and stayed for a week. When people see us it’s 4 and 1/2 years of marriage but for us it’s not. Since we don’t have kids people are suspecting a lot. I don’t blame them.Clearly not everything is alright.My husband is a lovely person and he cares so much but I feel he is controlling me. May be because of his lack of emotional availability. But many things have bothered me a lot since our wedding.My husband and I have never visited or travelled a place alone, ever. We never had a honeymoon.My husband has never introduced me to any of his friends.I know nothing of him through a third person, all I know is what he has told me.These days he hardly calls me. I tend to get more frustrated and cry sometimes by sharing my feelings with him if he called very late at night. So he stopped calling me. When I asked he replied “when I call at night you are complaining, fighting and crying so I don’t call” He is running away from situations. I replied to him “you know that I will cry and there is a reason for that. Instead to solving the situation and not to make me cry, you would rather prefer not to call”. He said “Yes”. So he refrains from anything that upsets him. Long time ago due to some misunderstandings I refused to be physically romantic with him and he did the same to me for months and years which is also why we don’t have kids. But I cant explain or share this with anyone. I doubt about my future as I am scared that I will never be blessed with a life with shared love and romance.I miss myself being in love and happy.I miss my own very smile.I don’t put all the blame on him because I know am not perfect. But am not that evil to be punished like this in my life. I do deserve some happiness. He hasn’t abused me but absence of abuse doesn’t mean a healthy relationship. I have always felt lonely. Rather than love I have felt more judged for my actions and thoughts.There is not a single day in life where I do not think about leaving this relationship but it has become very difficult to picture a happy healthy future with him.It has become hard to have a simple conversation with him now.I hope for a healthy relationship in which my partner and I could be vulnerable to one and other.Am I expecting too much from him? Is it that am not good enough for him?Will this too pass? I am worried.I would like to stay anonymous.
Ans:

Dear Anonymous,

These are your words that stood out for me.

‘I miss myself being in love and happy.

'I miss my own very smile.'

So, who is stopping you from these? Be in love, be happy, smile when you want.

You have tied these things to your marriage and have hoped that putting things together will bring a smile back on your face. As much as it’s true, it won’t be long lasting.

Now let’s focus on your marriage. What is this ‘being sent here, sent back there’?

What are you, some parcel/courier package to be sent here and there at will?

The first time that you felt that this being sent here and there was NOT OKAY, that would have been the time to voice it out.

Situations of a husband and wife being physically apart can come in anytime during a marriage. But this has to be handled with a lot of love and communication and not keeping silent and controlling it his way.

What has caused your hurt is the fact of non-communication from him, inability to validate your feelings, making you feel guilty for expressing your feelings and his unwillingness to work on this?

Request a person known to both of you to mediate to set up a meeting if both of you want to be in this marriage and live in peace and harmony. If you don’t step up now, things will be emotionally draining.

Also, as a woman, you don’t have to feel guilty for saying that something is not alright and that you want things to be different. You do not have to mask it with a statement that ‘he is a good man’ etc.

Be honest to yourself about what you feel and what you want. It helps putting things into perspective faster. STEP UP NOW and SPEAK.

Do that favour onto yourself please and also expect things to go the other way especially if he does not want to mutually set things right.

No matter what, know that strength from within is what will help you sort things for the better.

Be strong and value yourself. All the best!

..Read more

Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

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Relationship
Hello mam!! I have been in a relationship since last 3 years and the guy work like normally but expect from me to not work after marriage as according to him it's not a good thing. I sacrifice all mu thoughts and value for him whatever he said i did but he started disrespecting me from words because of his frustration in life. I was like maybe he will not gonna do like this next time but cycle keeps going from like5 to 6 month and finally i decided to stand leave he also follows a pattern to be with me for a time and zoned out himself for like a month and suddenly came and behave normally i was accepting that even without questioning but now he got a decent job and want to marry me with the above conditions he was already made. So what should i do i don't want to think twice with my decisions but it hurt as well
Ans: My Dear Nikita,

It sounds like you have been in a challenging situation for some time, where you have been sacrificing your values and thoughts for your partner, and he has been disrespecting you with his words and behavior. It's important to remember that no one deserves to be treated with disrespect in a relationship.

It's understandable that it hurts to think about leaving the relationship, especially after investing so much time and effort into it. However, you need to prioritize your own well-being and happiness, and it seems like this relationship is not fulfilling that for you.

It's important to have a clear and honest conversation with your partner about your feelings and concerns. Let him know that his behavior has been hurtful, and that you cannot accept his condition of not working after marriage. It's important to communicate your boundaries and what you need from the relationship.

If he is not willing to respect your boundaries and make changes to improve the relationship, it may be time to consider ending it. Remember that you deserve to be in a relationship where you are respected, valued, and your needs are met. It may be difficult, but prioritizing your own well-being is important for your long-term happiness.

..Read more

Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2023

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Relationship
Hello sir!! I have been in a relationship since last 3 years and the guy work like normally but expect from me to not work after marriage as according to him it's not a good thing. I sacrifice all mu thoughts and value for him whatever he said i did but he started disrespecting me from words because of his frustration in life. I was like maybe he will not gonna do like this next time but cycle keeps going from like5 to 6 month and finally i decided to stand leave he also follows a pattern to be with me for a time and zoned out himself for like a month and suddenly came and behave normally i was accepting that even without questioning but now he got a decent job and want to marry me with the above conditions he was already made. So what should i do i don't want to think twice with my decisions but it hurt as well
Ans: I'm sorry to hear that you are in a difficult situation. It is never okay for someone to disrespect you or your values, regardless of their frustration in life. It's important to remember that you deserve to be treated with respect and dignity in any relationship.

It sounds like you have already made the decision to leave the relationship, which is a brave and important step towards taking care of yourself. It may be helpful to remind yourself of the reasons why you made that decision, and to focus on your own values and needs.

If you are still feeling hurt and uncertain about the situation, it may be helpful to seek support from trusted friends or family members, or consider speaking with a therapist. They can help you process your emotions and provide guidance as you navigate this difficult time.

Remember, you have the power to make choices that are best for you and your well-being. Trust yourself and prioritize your own needs and happiness.

..Read more

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Nayagam P

Nayagam P P  |8321 Answers  |Ask -

Career Counsellor - Answered on Jul 09, 2025

Asked by Anonymous - Jul 09, 2025Hindi
Career
Sir i have got cse in iiit naya raipur and also cse in rgipt.. further will be getting prodcution engineeringin Ranchi.. which one to chose, can u help?
Ans: International Institute of Information Technology, Naya Raipur (Chhattisgarh) offers a four-year B.Tech in Computer Science & Engineering with a modern, project-based curriculum in algorithms, AI and data science, guided by predominantly PhD-qualified faculty and supported by specialized computing and research labs, achieving a 76.7% placement rate in 2024 with a median CSE package of ?14 LPA and top offers up to ?82 LPA. Rajiv Gandhi Institute of Petroleum Technology, Amethi (Uttar Pradesh) delivers a CSE programme under UGC recognition, featuring industry-aligned courses in software engineering and cybersecurity, with dedicated internship pipelines and an 82% average placement rate and ?8.15 LPA average CSE package in 2024. Birla Institute of Technology, Mesra (Ranchi, Jharkhand) provides B.Tech in Production Engineering, blending manufacturing theory, automation and supply-chain electives, taught by experienced faculty in state-of-the-art workshops, securing 61% placements in 2024 with an average package of ?11.57 LPA.

Recommendation: Opt for IIIT Naya Raipur CSE for its superior placement consistency, cutting-edge labs and strong research orientation; choose BIT Mesra Production Engineering for focused manufacturing expertise and robust infrastructure; consider RGIPT Amethi CSE if you value petroleum-sector internships and a balanced computing curriculum. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |9503 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jun 30, 2025Hindi
Money
I have 1cr savings in FD, which I want to use to create retirement plan for my parents. How can I best use this to ensure a monthly income for my parents.
Ans: Having Rs. 1 crore saved in fixed deposits is a great foundation. You want to create a stable monthly income for them. Let us approach this in a structured and balanced manner, from multiple financial angles.

Understanding the Objective
You want to generate monthly income from the corpus.

The beneficiaries are your ageing parents.

Safety and regularity of income is the priority.

Liquidity and inflation protection also matter.

Returns should beat FD without excessive risk.

Your intent is clear and caring. Let’s evaluate the options that fit these goals step by step.

Safety vs Return Trade-off
Fixed deposits are very safe but offer low returns.

To create a better retirement plan, you need a blend of safety and growth instruments.

Let’s consider possible instruments:

Fixed deposits (safe, but low return)

Debt mutual funds (better return, moderate safety)

Conservative hybrid equity funds (slightly higher risk)

Senior citizen savings schemes (if eligibility allows)

Systematic withdrawal plans

We need to balance these based on your parents’ risk tolerance and need for cash.

Creating a Liquid Buffer
First priority: Create an emergency corpus for your parents.

This fund covers unexpected medical or personal expenses.

You can:

Keep around Rs. 5–10 lakhs in a sweep-in FD or liquid debt fund

This ensures safety and easy withdrawal

It avoids unexpected financial stress

This buffer frees other investments to be used for planned monthly income.

Monthly Income Goal Estimation
You have Rs. 1 crore to invest. We need to estimate monthly income realistically.

If the goal is to earn Rs. 40,000 per month:

That’s Rs. 4.8 lakhs annually

Return requirement: 4.8% per annum on Rs. 1 crore

Considering taxes and inflation, this is achievable with a balanced portfolio.

Selecting Suitable Investment Instruments
To earn 5–7% net returns, without taking high risk, we can use a mix:

Short-term debt mutual funds

Conservative hybrid equity funds

Monthly income options (balanced advantage)

Senior citizen savings schemes or government debt

Each of these provides a part of the income in different ways.

Structured Monthly Withdrawal Plan
You can create a systematic withdrawal plan (SWP) from mutual funds.

How SWP works:

Invest lump sum in SIP-eligible funds

Withdraw a fixed amount every month

The remaining corpus stays invested

This provides regular cash and allows capital to grow.

Portfolio Recommendation Mix
Your Rs. 1 crore corpus could be split like this:

Liquid Reserve – Rs.?5–10 lakhs in sweep-in or liquid fund

Debt Fund Corpus – Rs. 30–40 lakhs in short-duration debt mutual funds

Hybrid Corpus – Rs. 40–50 lakhs in conservative hybrid equity funds

SCSS or Govt Scheme – If parents above 60, you can use Rs. 15–20 lakhs

This gives a practical balance of safety, income, and moderate growth.

Implementing Monthly Income
With this setup, you can:

Withdraw Rs. 30–40,000 monthly via SWP from hybrid funds

Additional interest or dividends from debt funds and SCSS add to income

The sweep-in fund covers urgent, unplanned needs

This strategy maintains the corpus and offers steady income.

Why Not Use Only Fixed Deposits
While FD is safe, returns of ~6–7% don’t keep pace with inflation.

Also, FDs penalise early withdrawal. They’re not ideal for long-term income.

Mixing with debt and hybrid funds gives 7–9% on average. This secures income and inflation protection.

Avoiding Index Funds and Direct Funds
You may consider direct or index funds to reduce cost.

But for your goals:

Index funds lack active management

Direct funds leave you handling volatility alone

Liquid and hybrid funds need active management

Regular funds via an MFD with CFP support:

Select right fund mix

Help during market swings

Rebalance portfolio

Offer tax planning

This is a safer and more effective route, especially for life-stage needs.

Taxation Considerations
Debt mutual funds: Gains taxed as per income slab

Conservative hybrids: Gains held long-term subject to 12.5% above Rs. 1.25 lakh

SCSS: Interest taxable, but secure

Plan withdrawals so that tax impact is minimised. A CFP can help structure this efficiently.

Rebalancing and Monitoring
Ensure annual or semi-annual reviews:

Check if redemptions are aligned with needs

Watch for market or interest rate changes

Rebalance to maintain intended corpus distribution

Switch out underperforming funds if required

This ensures that income continues as planned even when markets shift.

Safety Nets for Risk Mitigation
Keep a part of the portfolio in short-duration debt funds for stability

Avoid exposure to high-risk equity funds

Do not use annuities; they are restrictive and illiquid

Don’t lock entire corpus; maintain partial liquidity

Plan tenure of each investment as per expected needs

This makes your parents’ income plan resilient.

Step-by-Step Action Plan
Build Reserve: Keep Rs.?5–10 lakhs liquid

Allocate Corpus: Divide remaining Rs. 90–95 lakhs as per recommended mix

Set SWP: Setup monthly withdrawal of Rs. 30–40,000

Monitor Tax: Keep track of gains and tax liabilities

Review: Reassess portfolio every 6–12 months

Adjust: Increase corpus in future if savings permit

This systematic approach ensures well-being for your parents.

Family and Long-Term Planning
Also plan for:

Health insurance renewals

Possible long-term care needs

Inheritance or gift provisions

Estate statements or nominee updates

Care plan if parents need support

Including these in the plan ensures holistic financial security.

Finally
You already have a solid capital base for retirement income.

By creating an emergency buffer, investing in a balanced mix, and using a monthly withdrawal plan, you can ensure stable income.

Mixed portfolio invests in safety, liquidity, tax efficiency, and moderate growth.

A regular mutual fund route with CFP guidance secures consistency.

You are doing well. Now let’s refine it for your parents’ lifetime comfort.

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

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Ramalingam

Ramalingam Kalirajan  |9503 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Money
Hello sir Iam 34 years old. I bought flat for 85 lakhs for which i took loan of 73lakhs emi is around 60k I am having credit card payabls 1.2 lalks My and my wife jointly monthly income is 1.60 lakhs. And mf saving is 3 lakhs How do i repay all loans and built wealth 2 cr
Ans: You have taken meaningful steps already. Paying EMI of Rs?60k on home loan, Rs?1.2?lakh credit card, joint income of Rs?1.6?lakh, and MF savings of Rs?3?lakh—all at age 34. Let’s create a 360?degree, goal?driven plan to become debt?free and build Rs?2?crore corpus by retirement.

Understanding Your Current Financial Picture
You bought a flat for Rs?85?lakhs by taking a Rs?73?lakh home loan.

EMI is around Rs?60,000 per month.

Credit card dues total Rs?1.2?lakhs.

Combined monthly income for you and wife is Rs?1.6?lakhs.

You hold mutual fund savings of Rs?3?lakhs.

Your situation reflects both commitment and constraints. You’ve begun wealth-building via equity mutual funds—great start!

Immediate Priorities: Stop Credit Card Stress
Credit card dues charge ~36% annual interest.

Unpaid cards hurt credit score and financial freedom.

Clear the Rs?1.2?lakh credit card debt immediately.

Use your MF savings (Rs?3?lakhs) to repay it fully.

After clearing cards, maintain a zero balance on cards monthly.

Next Step: Reassess Home Loan Burden
EMI covers ~37.5% of gross monthly income (60/160).

Lenders recommend EMI ≤50% of income, but credit card stress worsens it.

With cards paid, EMI burden reduces relatively.

Consider negotiating interest rate or extending loan tenure.

A slight tenure extension can reduce EMI moderately.

This frees up monthly cash flow for savings and investments.

Build Emergency and Lender-Proof Liquidity
Use debt funds or short-term debt products to build buffer.

Target an emergency fund of 6–9 months of expenses.

For Rs?1.6?lakhs income, aim to save Rs?9–12?lakhs first.

Emergency buffer prevents fresh debt if unexpected costs arise.

Keep buffer liquid via liquid or ultra-short-term debt funds.

Revise Your Mutual Fund Strategy
You hold Rs?3?lakhs in mutual funds—good start.

Continue investing via actively managed funds (not index funds).

Avoid pitfalls of direct plans without professional guidance.

Direct plans lack active rebalancing and market responsiveness.

Regular plans via CFP-guided MFD offer oversight.

Ideally diversify across large-cap, mid-cap, and hybrid funds.

Keep equity allocation aligned with your risk appetite.

Debt Paydown Strategy
You cleared credit card debt using MF corpus.

Now build liquidity and then address any high-interest loans.

Home loan rate is lower than credit cards, but can still be optimised.

If home loan interest rates reduce or buffer increases, consider prepayments.

Even small prepayments lower interest paid over the tenure.

Do prepayments when surplus funds are available after building buffer and investments.

Monthly Cash Flow Management
Income (Rs?1.6?lakhs)

Deduct EMI (Rs?60,000)

Allocate tax, insurance, and essentials

Use Rs?20–30k for EMI buffer and prepayments

After paying EMI, aim to save/invest Rs?30–40k monthly

Rs?10k for debt fund buffer and emergency

Rs?20–30k in equity MFs via regular plans

Increase investment amount gradually with income hikes

Insurance and Protection Review
If you have LIC or ULIP investments, consider surrendering them.

Convert insurance into term cover—cheaper and clearer.

Maintain life cover of 10–12 times your annual income.

Health insurance must be adequate for both of you.

Investment cum insurance products hinder both returns and flexibility.

Rebalancing Your Portfolio Regularly
Every 6–12 months, review fund performance with your CFP.

Rebalance between equity and debt to maintain strategy.

If equity grows too fast, book some gains into debt.

If equity dips, increase SIP to buy more cheaply.

Regular rebalancing keeps your plan aligned with changing market cycles.

Tax Efficient Investing and Planning
Equity gains above Rs?1.25?lakhs are taxed at 12.5%.

Debt fund gains taxed as per your slab rates.

Use long-term investing to minimise STCG at 20%.

For PPF, interest is tax-free—keep contributing annually.

Maximise tax?advantaged instruments without compromising your plan.

Goal Path to Rs?2 Crore Corpus
Your retirement may be 25–30 years away.

Long horizon gives equity investments time to compound.

Monthly SIP of Rs?25–30k across equity can build large corpus.

As income grows, increase equity SIP amount proportionally.

Add occasional lump?sum top?ups when possible.

Use CFP?guided calculators to estimate progress towards Rs?2?crore.

Lifestyle Balance and Additional Savings
Avoid lifestyle inflation until debts are under control.

Budget for modest discretionary spending.

Treat lifestyle upgrades only when surplus income allows.

Use SWP from debt fund buffer for planned cash needs.

Don’t dip into equity funds for non-goal expenses.

Leveraging Tax Benefits for Home Loan
Claim principal repayment deduction under Section 80C.

Claim interest deduction under Section 24 of Income Tax.

This reduces your taxable income and improves net cash flow.

Family Financial Governance
Have joint discussion with spouse about goals and plans.

Nominate each other in investments and insurance.

Prepare a simple Will, even if property is joint.

Monitor financial status together monthly or every quarter.

Team Building for Financial Success
Engage a CFP?backed mutual fund distributor (MFD) to guide you.

Your CFP-driven MFD can handle rebalancing and goal tracking.

A Chartered Accountant can help with tax optimisation.

Team approach gives coordinated and adaptive planning.

Future Wealth Growth & Scaling Strategy
Once debts reduce and income increases, revisit allocations.

Move into hybrid or balanced advantage funds for smoother returns.

Consider small allocation to international funds for diversification.

Higher income could shift tax slabs; adjust investments accordingly.

Continue to invest surplus income in equity while monitoring goals.

Managing Risk and Long-Term Discipline
Keep at least one year’s living expenses liquid always.

Follow emergency fund rules strictly.

Keep term and health insurance active.

Monitor credit reports and loan accounts annually.

Prevent fresh debt beyond reasonable control.

Simple Action Checklist
Clear credit card dues with MF corpus.

Build emergency pool of Rs?9–12 lakhs in debt funds.

Maintain home loan EMI; consider tenure adjustment.

Convert any ULIP/LIC into term insurance.

Continue monthly SIP in diversified equity and hybrid MFs.

Invest additional Rs?20–30k monthly in equity MFs.

Rebalance portfolio every 6–12 months via CFP.

Track progress towards Rs?2 crore retirement corpus.

Increase investments as income rises.

Review insurance and tax benefits annually.

Finally
You’re balancing debt, investment and lifestyle well.

Clearing high?cost debt was immediate win.

Equity MF investments will grow your net worth.

Systematic savings plus rebalancing create disciplined wealth path.

With consistent actions, Rs?2 crore corpus is achievable.

Keep leveraging CFP?driven reviews and tax planning.

Let your financial journey combine security and growth.

Stay committed to this process. Your financial future depends on steady steps taken calmly today.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9503 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Money
Hi, I have a monthly salary of 1.32 lakhs. Pay a monthly EMI of 35 K towards home loan and a 25 K EMI of 25 K towards a personal loan (it's a 5 year personal loan of 10 lakhs, paid almost 2.5 years of EMIs). Have a year old baby. Questions 1. At the end of the month I am usually left with no savings, how to plan better. 2. What all investment should I make for my family my baby's education. 3. I wanted to also understand how can I claim rebate in taxes on home loan (I have opted for new regime)
Ans: Thanks for sharing your detailed background. You have a young family and steady income.

But no savings is a big warning sign. EMIs are eating most of your salary. Your baby’s future needs attention.

Let’s create a 360-degree plan to improve your finances. We'll address savings, investments, and tax clarity.

Income and Expense Breakdown
Monthly salary: Rs 1.32 Lakhs

Home loan EMI: Rs 35,000

Personal loan EMI: Rs 25,000

Baby’s expenses: Likely Rs 10,000–12,000

Monthly balance: Near zero

You are paying Rs 60,000 in EMIs. That’s almost half of your income.

This is choking your monthly cash flow. You are unable to save. That must be fixed.

First Step – Fix Monthly Cash Flow
No plan works without free cash in hand. You need Rs 10,000–15,000 savings monthly.

Try below steps:

Reduce unnecessary expenses
Track every rupee for 3 months

Stop subscriptions or memberships not used

Reduce eating out, shopping, online orders

Use fuel cards and cashback apps

Cancel OTT platforms if unused

Even small savings of Rs 3,000–4,000 help a lot.

Cut discretionary spending
Vacations can wait

Festival expenses must be cut

High-end gadgets are not needed now

Don’t impress others. Impress your future self.

Restructure personal loan if possible
You already paid 2.5 years of 5-year loan. That is 50%.

Check if your bank allows restructuring:

Can you reduce EMI by extending tenure?

Can you get top-up home loan to close personal loan?

Can you get balance transfer with lower EMI?

If your credit score is good, restructuring is possible. That will ease cash flow.

Talk to your Certified Financial Planner before any decision.

Emergency Fund is Non-Negotiable
Without emergency fund, you may fall into more debt.

Your goal:

Save Rs 2–3 Lakhs in liquid funds or sweep FDs

Use this only for job loss, medical crisis, etc.

Build this in 6–8 months gradually

Even Rs 4,000 monthly saving will help

This fund gives mental peace. Start this first before any investment.

Baby’s Education Plan
You must act early. Baby is 1 year old now.

You have 16–17 years before college. That is good time for compounding.

Start SIP of Rs 5,000 now. Use regular mutual funds. Use actively managed funds only.

Don’t use direct funds. They lack advice, rebalancing, and planning support.

Don’t use index funds. They cannot adjust during market fall. No active management.

Use:

Large cap fund for stability

Flexi cap fund for balanced growth

Midcap fund for long-term growth

Keep all under regular plan with help of a Certified Financial Planner.

Start with SIP. Later, shift bonus or arrears into lump sum.

Even small SIP now becomes big in 15–18 years.

Insurance for Family Protection
If something happens to you, your family must be safe.

Buy term insurance of Rs 50–75 Lakhs minimum.

Cost is low when bought early. Don’t mix insurance with investment.

Avoid ULIPs or moneyback LIC policies. They eat returns. If already bought, consider exiting and shifting to mutual funds.

Buy health insurance separately:

Rs 5–10 Lakhs family floater

Don’t depend on company cover alone

Add Rs 25 Lakhs super top-up later

Also, consider personal accident and disability cover. That is cheap and useful.

Monthly Investment Priority List
Once you restructure and save Rs 10,000–15,000 monthly, follow this order:

Build emergency fund (Rs 4,000–5,000/month till 3 Lakhs saved)

Buy term and health insurance (premium may be Rs 1,000–2,000/month)

Start SIP for baby’s future (Rs 5,000/month)

Start small SIP for your own retirement (Rs 2,000/month)

Don’t try to do all at once. Start slowly and increase as income rises.

Retirement Planning
You didn’t mention any retirement corpus. This must be addressed.

You still have 15–18 years before retirement.

Even a small SIP today becomes huge by age 55–60.

Start with Rs 2,000–3,000 SIP now.

Use:

Large cap

Balanced advantage fund

Hybrid equity fund

Later, shift more savings to this goal. Don’t delay.

Tax Rebate on Home Loan – New Regime
You have opted for new tax regime. So, no major deductions allowed.

No rebate under section 80C, 80D or 24(b).

That means:

You don’t get Rs 2 Lakhs interest deduction

You don’t get Rs 1.5 Lakhs principal deduction

Health insurance premium is not deductible

If your income is low, new regime may still work.

But with home loan, old regime is usually better. Because of:

Interest deduction (Sec 24)

Principal deduction (Sec 80C)

Insurance and PPF benefits

Speak to your CA or tax expert before choosing regime next year.

You can opt in and out every year (as salaried person). Review annually.

Avoid These Common Mistakes
Investing in ULIPs or LIC endowment policies

Waiting too long to start child education fund

Having no emergency corpus

Keeping savings in savings account only

Ignoring insurance

Overestimating rental income from real estate

Not reviewing tax regime yearly

Avoid these traps. Stick to a plan. Review it every 6 months.

Structured Action Plan – Month by Month
Month 1–3:

Track expenses daily

Identify wasteful spending

Talk to bank for personal loan restructure

Start saving Rs 5,000 minimum

Month 4–6:

Create Rs 1 Lakh emergency fund

Buy term insurance and health cover

Start Rs 3,000–5,000 SIP for baby’s future

Month 7–12:

Add retirement SIP

Increase emergency fund to Rs 2 Lakhs

Review loan structure again

Plan to repay personal loan faster if possible

Year 2:

Start SIP for your retirement goals

Plan for school admission expenses

Start estate planning

Finally
You are earning well. Your family is young. You have time.

But monthly pressure is eating all savings.

Fix your cash flow first. Then protect your family with insurance. Then invest.

Start mutual fund SIPs in regular plans. Avoid index and direct funds.

Every rupee counts. Small steps bring big peace later.

Your baby deserves a safe and strong financial future. You can create it.

Stay focused. Stay disciplined. Plan every rupee.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9503 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jul 04, 2025Hindi
Money
Hi am 33 years old and have a small business. Its a seasonal business of shawls and kurtis. My turnover is somewehere around 1.25cr. Most of it coming from July to January. Total emis are 1.5L per month. Incldes home loan and car loan. Im not able to save any money. Stuck in cash flow cycle. What should I do?
Ans: You are 33 years old and a business owner. Your business sells shawls and kurtis. It is a seasonal business. Most of your sales happen between July and January. Your turnover is around Rs. 1.25 crore.

You are facing a cash flow issue. Your EMIs are around Rs. 1.5 lakh per month. These include home loan and car loan. You are not able to save anything.

This issue is common among seasonal business owners. But it can be handled with structured planning. Let us work together and bring long-term clarity to your finances.

Understand Your Business Seasonality Deeply
Sales are high for 7 months.

February to June has low or no sales.

But expenses are spread throughout the year.

This mismatch is the root cause of your cash crunch.

You earn in bulk. But pay expenses monthly. This creates uneven pressure.

You must handle this gap carefully.

Key Problems You Are Facing
Income is seasonal. But EMIs are monthly.

No cash is saved during peak season.

Low months create panic and borrowing.

Personal and business money may be mixed.

There is no emergency or reserve fund.

This leads to a cycle of struggle and dependency.

Build a Separate Business and Personal Budget
First, divide business and personal finances.

For business:

Track monthly income and expenses clearly.

Forecast income for both peak and off-season.

Set aside surplus from July to January.

Don’t use that money for sudden purchases.

For personal:

Maintain a fixed monthly salary from business.

Don’t take out money in bulk.

Budget your lifestyle based on yearly income, not just peak months.

This step brings clarity and reduces stress.

Create a Business Reserve Fund
This is the most important step.

From July to January, you earn more.

Keep aside a fixed portion monthly in a separate account.

This is your “off-season” survival fund.

Don’t touch it during busy months.

Example:

If your average net monthly income is Rs. 4 lakhs during season

Keep aside Rs. 1 lakh monthly in a reserve fund

Use this for EMIs and expenses in low season

This builds your liquidity and removes pressure.

Don’t Mix EMI and Cash Flow Issues
EMIs of Rs. 1.5 lakh per month are high.

You must ask:

Are these EMIs sustainable in off-season?

Is car loan necessary now?

Can EMI be reduced by part prepayment?

Steps to fix this:

Reduce high-interest debt first

If car is luxury, consider selling or refinancing

Speak to bank to restructure home loan if needed

Use seasonal surplus to do part prepayment

Target loans with short tenure and high rates

Debt control is key in seasonal business.

Optimise Personal Expenses
Track personal expenses separately.

Review each expense category.

Cut or postpone non-urgent spending.

Avoid big expenses during February to June.

Educate your family on cash flow nature.

Build discipline around salary-based spending.

You should live on a “fixed salary” drawn from your own business.

This keeps personal life stable.

Setup an Emergency Fund
You have zero savings now. That is dangerous.

Create an emergency fund of at least 6 months of expenses.

Steps:

Start with Rs. 25,000 per month in liquid mutual fund

Increase in peak season

Keep it separate from business accounts

Don’t touch unless true emergency

This gives peace of mind during lean months.

Avoid Real Estate and Illiquid Assets
Don’t buy land, flats, or gold now. These don’t give income. They block cash.

You need liquid and income-generating assets. Not dead investments.

Real estate also has no exit during emergency. Stay away from it.

Don’t Consider Index Funds or ETFs
Some people invest surplus in index funds or ETFs.

But don’t do that.

They are unmanaged. They crash with market. No safety net.

Instead, choose:

Actively managed mutual funds

With balanced and hybrid strategies

Through regular plans with MFD + CFP support

This brings both safety and growth.

Don’t Use Direct Funds
If you are considering direct mutual funds:

Stop now.

They give no help. No support. You are alone in panic.

Disadvantages of direct plans:

You choose funds emotionally.

No rebalancing done.

You exit at wrong time.

No goal-based tracking.

Advantages of regular plan with MFD-CFP:

Strategy based selection

Rebalancing in time

Behavioural coaching

Long-term handholding

Don’t chase low-cost. Chase high-value.

How to Build Wealth from Seasonal Income
You can still build long-term wealth.

Do this:

Save from peak months only.

Automate SIPs between July to January.

Use hybrid and flexi cap mutual funds.

Add lumpsum investments from seasonal surplus.

Avoid investing during off-season.

This keeps you invested without pressuring cash flow.

Think Monthly. But Plan Annually
Your business is seasonal. But your expenses are monthly.

Do this:

Make one yearly cash flow calendar.

Break it into monthly budgets.

Anticipate lean months well in advance.

Set goals based on yearly net income, not turnover.

This shifts you from reaction to planning.

Use Mutual Funds for Wealth Creation
Start SIPs once cash flow stabilises.

Suggested approach:

Use hybrid mutual funds for stability.

Add balanced advantage funds for flexibility.

Add equity mutual funds for long term.

Avoid small-cap or sectoral funds for now.

Invest through MFD with CFP credential. Avoid direct mode.

Tax Planning and Capital Gains
If you invest in mutual funds:

Hold equity MFs for long term

Long-term capital gains above Rs. 1.25 lakh taxed at 12.5%

Short-term equity gains taxed at 20%

Debt fund gains taxed as per slab

So, choose fund category as per your holding period.

Insurance Check
Make sure:

You have health insurance for yourself and family

You have term life insurance if you have dependents

You are not investing in LIC or ULIP for returns

If you have LIC/ULIP, check surrender value. Reinvest in mutual funds.

What You Can Start Immediately
Separate personal and business finances

Create a reserve fund during peak months

Track your monthly income and expense

Pause any unnecessary EMI or investment

Build emergency fund over next 6 months

Avoid new loans and new purchases

Consult a Certified Financial Planner now

Start SIP once reserve is created

This gives you direction and peace.

Finally
Your business is doing well on paper. But cash flow mismatch is hurting. You are stuck not because income is low, but because timing is uneven.

You need to match outflows to inflows. Build buffer in good months. Don’t stretch in lean months. Reduce debt. Avoid new loans. Build liquidity. Don’t chase returns blindly.

Use the support of a Certified Financial Planner. With discipline and clarity, you can come out stronger and create long-term wealth.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9503 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 09, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Money
Hi, I am 30 years old with salary of 25000. I have 3 lacs in PPF , sip of 1000 in Nippon India small cap fund, I am investing in it for 1.5 years and 2000 ulip of HDFC life sampoorna nivesh for same duration of time. What should be my investment strategy to accumulate corpus of 2 crore at time of my retirement?
Ans: You’re 30, earning Rs?25,000/month, and already have a solid PPF corpus, small?cap SIP, and a ULIP. Let’s build a robust, 360° long?term strategy to reach a Rs?2 crore retirement corpus. I will keep language simple, yet provide detailed insight from a Certified Financial Planner’s perspective.

Evaluate Your Current Investments

You hold Rs?3 lakh in PPF, which is safe and tax?efficient.

Your monthly SIP of Rs?1,000 is in a small?cap fund for 1.5 years. That gives high returns, but also high risk.

You invest Rs?2,000 in HDFC ULIP for 1.5 years. ULIP combines insurance and investment, but with high charges.

You’ve taken positive steps. That is impressive.

Why ULIP Is Not Ideal Here

ULIPs have high upfront fees.

Their long?term returns often lag mutual funds.

Liquidity is low before the lock?in ends.

Expenses and fund switching charges can eat returns.

You need flexibility in goal?based investing.

I recommend surrendering the ULIP and redirecting the funds to actively managed mutual funds via a Certified Financial Planner’s guidance.

Why Not Index Funds

Index funds mirror market returns without active management.

They perform well in stable up?trend markets only.

In volatile or downward phases, they lack protection.

No fund manager can adjust strategy or take advantage of opportunities.

Regular plans with CFP?guided MFDs provide expert oversight, risk control, and timely switching.

Redirecting Your ULIP Investment

Check with the insurer for surrender value.

Use that amount to increase your SIP in actively managed equity or hybrid funds.

Keep term insurance separately to cover life risk.

Reallocate the previous ULIP amount monthly into these funds.

Core Investment Strategy

Your portfolio should mix stability and growth.

Large?cap or multi?cap actively managed equity funds

Provide consistent, long?term growth with lower volatility than small cap.

Mid?cap and small?cap actively managed funds

Continue your current small?cap SIP but consider adding more as your risk tolerance allows.

Equity hybrid funds

These invest partly in debt to reduce volatility while capturing equity growth.

All these should be regular plans guided by a certified MFD with CFP advice.

Strengthening Your Equity Exposure

Increase SIP amount steadily as your salary grows.

Target SIP of Rs?3,000–5,000/month across funds within 1–2 years.

Annually raise SIP contribution by 10–15% in line with income growth.

Stay invested through all market cycles. Avoid emotional exits.

Debt and Safety Layer

Maintain your PPF as long?term secure foundation.

Add debt funds such as short?term or ultra?short funds for liquidity and safety.

Build an emergency fund covering 6 months of expenses in liquid or ultra?short funds.

Use SWP (systematic withdrawal plan) during emergencies instead of withdrawing lumps back.

Insurance and Protection Review

Convert ULIP into a pure term?life policy for better clarity and lower cost.

Ensure term cover remains around 10–15 times your gross annual income.

Add health insurance early. Family cover may also help if you have dependents.

Review policies annually to match changing needs and inflation.

Tax Efficiency and Fund Holding Insight

Equity gains above Rs?1.25 lakh attract LTCG tax of 12.5%.

Debt fund gains are taxed per your income slab.

Use tax?held funds like ELSS only if it aligns with your goals and lock?in is acceptable.

Monitor holding periods to optimize tax efficiency.

Rebalance portfolio yearly to realign with your desired equity–debt ratio.

Tracking Progress Toward Rs?2 Crore

Define your retirement age (say 60). That gives you 30 years of investing time.

Use a CFP?guided tool to set milestone targets every 5 years.

Review portfolio performance quarterly with your planner.

Adjust SIP contributions to stay on track as income increases.

Let compounding work—staying invested is key.

Enhancing Returns Through Portfolio Rebalancing

Increase equity share when markets fall to buy low.

Switch to debt/hybrid when equity becomes overvalued.

Regular MFD reviews help you capture opportunities and reduce downside risk.

Use disciplined asset allocation to avoid emotional decisions.

Lifestyle and Financial Balance

Your pay is modest now, so balance savings with current needs.

Avoid dipping into investments for lifestyle wants.

Set aside small funds monthly for occasional travel or leisure.

Keep long?term goals affordable and realistic.

As salary grows, allocate extra savings into investments.

Why CFP?Backed Regular Plans Are Best

Fund managers adapt to market conditions.

MFDs rebalance portfolio per your risk profile.

You gain professional insight during market downturns.

Emotional timing mistakes are reduced.

Costs are higher, but potential gains are also real.

In direct plans, lack of guidance can lead to wrong switches and poor performance.

Risk Management

Maintain your emergency fund untouched. Use SWPs.

Ensure adequate term and health insurance.

Keep records like nomination, will, policy papers.

Review portfolio risks as your income and family grow.

Goal Alignment and Future Provisions

Once you marry or start a family, adjust your portfolio.

Allocate for children’s education or marriage funds separately.

Reallocate toward conservative assets as retirement nears.

Use your PPF and debt funds to provide capital stability later.

Finally

You’re on a solid path already. Make adjustments for optimal growth and safety.

Surrender ULIP; redirect to actively managed equity and hybrid funds.

Increase SIPs gradually in line with salary hikes.

Maintain PPF and add debt funds for liquidity and security.

Use a CFP?guided planner with MFD to streamline investments and review quarterly.

Keep insurance updated and balanced.

Aim for consistent investment discipline toward Rs?2 crore corpus.

Stick to this disciplined, well?balanced strategy. Let your investments grow with expert oversight and your financial future will reflect your efforts.

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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