Hello mam. I am in a relationship with a boy and we both love each other and also want to get married but he doesn’t trust me at all.
I tell him everything, yet he thinks I am a liar and alleges that am cheating on him. He doubts me in every single thing even he don't allow me to talk to any guy or girl not even my friends and he doesn't like when I step out from my home.  
He gets scared when I step out or get to my college. He keeps reminding me to not to cheat or not to talk with anybody. All these things got me into stress and frustration and I feel so bad that the person I love doesn't trust me.
We had lot of fights because of this. He abuses me and makes me angry.
As I am a college going student, I can't manage my studies because of fights and his bad behaviour.
He always tries to prove me wrong and make me feel guilty. He thinks very bad about me and makes his own stories adding fake stories and allegations. 
In the past 2 years there is not a single day when I didn't have to explain him. But he is not ready to accept. He only wants to hear what he thinks not the real truth if I say that u are misunderstanding me he says no he is 100% right and you are wrong. One of his friends put one story 2 years ago with a girl hiding her face and the top she is wearing on that picture. I have the same top and he knows it. He doubted that the girl is me. I am tired answering his doubts. I got so much anger and feel disrespectful.
I love him; he is my first and one and only boyfriend.  I do everything for him. But he treats me rudely he always starts his conversation with doubt like: where are you coming from? even if I didn't go anywhere he thinks that I went somewhere to meet someone. He tortures and abuses me like this. Every time I forgive him but he kept repeating that behaviour. 
I can't even live without him. I give him my love, time...my everything.  But I didn't get anything.
He thinks that I always do things by planning but I don't. He thinks that I always want to ruin his life, break his heart or cheat him but that's all wrong.
He is making his mind so negative he thinks so negative about me. Because of his doubts problem I don't talk to anybody -- no friends, no guys but he thinks that I am talking to any guy and I'm lying that I don't I give every possible proof but he didn't trust me at all.
He thinks that I tell people about him I gossip about him but I didn't do that I didn't even talk to anybody. He doesn't even want to breakup with me.
I explained him that for our peace we have to separate he didn't want that also. He put such bad allegations on me about my character, my sexual status.
I am a virgin but I didn't accept that. He makes me feel so sad and helpless I don't know what to do I’m helpless I didn't even share these things with anyone.
Sometimes I feel suicidal also.  He has just all control over my life my mind but also he didn't give me respect, love or value.
Plzzz help me mam what should I do with his doubts and trust issue. I am so depressed, plzzzz help me out. I’m stuck in it.

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