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Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 07, 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
rakesh Question by rakesh on Nov 27, 2023Hindi
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Relationship

Hii i am 40 years married man and last 2 years i am in relationship with a married women , we also like each other she also confessed me she love me, in starting we talk long time by phone , she give more effort to meet with me she call me to came his home when she alone but from 3-4 month she not giving that effort to meet with me and not come near me we just talk on mobile we meet some time but not closser like earlier , i am not understanding where is going wrong pls suggest

Ans: Dear Rakesh,
She possibly does not want to mess with her married life.

Respect her choice if she is staying away; it must be because of a good reason. Maybe her spouse found about about you and her. A parallel relationship outside of marriage is filled with a lot of complications; maybe she is unable to deal with all of that...it is difficult...

So respect her choices in this matter...

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 03, 2023

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Relationship
I am married since 2010 but me and my wife do not get along.We live together for the sake of our 8 year old son.Last year I fell in love with a new female colleague who joined our office. We used to speak very warmly to each other and she shared a lot of details with me about her past life such as her childhood.We would flirt with each other playfully and share details of our daily life.She is also married with a child but she doesn't spend too much time with her husband and seems very independent.I felt like she liked me too. However after 4 months she suddenly said that she looked at me as her office colleague and was not interested in personal conversations. I have sent her many messages on Whatsapp asking her about the reason behind her indifference and she reads everyone of them. She hasn't blocked me but she doesn't respond. Even when I go to her directly she talks to me in a cold manner.But she also asked me about my mother's health when she heard that my mother was undergoing cancer treatment.I am unable to understand why is she acting like this and I also cannot let go of her.Can you please explain what is going on
Ans: Dear Boudhayan,
Office romances are fleeting ones that offer some respite from the routine home environment.

Obviously being married, it comes with it's own set of challenges with having to hide text messages, calls...it's stressful for you and her as well. Did you consider that her being cold now maybe because her husband might have found out OR that she is having a hard time juggling two lives. Out of marriage experiences can be draining...

Instead of seeking solace elsewhere, have you made an honest attempt to work on your marriage? Give that a fair chance first...Stepping out of marriage is an easy thing than working on a marriage which has a clot of challenges...but since you have decided to stay together for the sake of your 8-year old, you might as well work on your relationship with your wife...start with basic communication and seek the help of a professional if necessary...you maybe surprised that things have worked out...if not, then you can see, what can be done...

Intense connections like marriage or a relationship require a lot of time and energy...
Respect what the other lady might be going through...give her time and space to sort out what is happening at her home...also, she cares enough to ask you about your wellbeing...Be happy with what IS and do give your marriage an honest rebuilding...

All the best!

..Read more

Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2025

Relationship
Hi , I am 42 year married man in love with 37 yr old married girl , her husband is not a good man in every accepts and my wife is same we are with our partners due to children, Our relationship is 14 year old. We lived in different cities which are 6 hour run away from each other , We often meet 2 to 3 times in a month. Before relation with me she was in love another guy (Before marriage) and this was continued after marriage too. After 1 year of marriage her boy friend passes away in an accident and then Then I enter in her life , Now I come to the point from last 2 year due to some differences and due to corona effect we could not meet and our telephonic conversation was very minimum even once in 10 days and due to some financial problems she started a Job in a school , There she meet with a guy and they become closer and physical too and that guy was in relation with another girl too. After 3-4 month I doubt that she is talking with someone else So I asked her directly that question but she denied, By the time we again start meeting frequently Then After more 3-4 months she accepted that she is in relation with another guy, She told me that he looks like his Ex-boyfriend that why she attracted towards him. She give him 35 K Rs , Then I told her that Why she did not tell me that before ?? She reply that she was in trap of that guy because he is in the same school in which she was a teacher. She left that school then she get a courage to told me that all things. She cry a lot an apologizes many times then I told her we can continue if she never talk with him. She agreed after another 3-4 months later she expose another truth that she is in touch with him through Google chat but she never meet him neither she talk him about past on phone , she told me that she only talk with with him to know his well being only. She told me that one day that guy offer him to again physical and after that she started hating him and stop talking him. Now She is teaching in another school and that boy in other school , When ever she shaw him on Road she tells me about that . Now she asking me that if I caught her again cheating then I can do whatever I want. I love her so much and She loves me too Even we remain in touch on phone 10-12 hr in a day. Now my Question is that Can I believe her again ?? That she will not get in touch that boy in future ?? Should I continue this relation ??
Ans: Dear SPPL
Both of you are in an extra-marital relationship while staying with your respective spouses for the sake of your children. This adds complexity because, beyond trust issues between you and her, there’s the underlying emotional weight of being tied to marriages that neither of you seems emotionally invested in anymore.

Your relationship with her has lasted for 14 years, which shows that there’s a deep emotional bond between you. But the fact that you’re both staying in unhappy marriages out of responsibility to your children means that there’s always going to be a limit to how much emotional and physical freedom you both have in this relationship. That creates emotional pressure because even if you love each other deeply, you’re still navigating within the confines of your separate family lives.

Her getting involved with another man during this time reflects not just on her emotional state but also on the emotional limitations of your relationship. Being in an extra-marital affair means that neither of you can fully give yourselves to each other because of the realities of your existing family commitments. She might have sought comfort or distraction in someone else because the emotional fulfillment she gets from you isn’t enough to bridge the gap created by her marriage and life circumstances.

The fact that she confessed and apologized after initially denying it suggests that she feels guilty and wants to rebuild trust with you. But the emotional vulnerability created by this betrayal will make it hard for you to trust her completely, especially since your relationship already exists in a morally complicated space. Staying with your respective spouses for the children means that your emotional connection with each other will always have to exist in the shadows, which makes it more vulnerable to external distractions and temptations.

The big question here is whether you can genuinely move past the betrayal and continue to trust her despite the complexity of your situation. Love is present, but love alone isn’t always enough when trust is broken—especially in a relationship that already carries emotional and moral complications. If you feel that you can forgive her and she remains consistent in her actions, the relationship might survive. But if this betrayal has planted a seed of doubt that you can’t shake, it could slowly erode the emotional foundation you’ve built over the years.

You also need to consider whether this pattern will repeat itself. Since both of you are married and emotionally unavailable to each other in a fully committed way, emotional gaps might emerge again, and similar situations could arise. You need to have an honest conversation with her about whether you both have the emotional strength to maintain this connection long-term under these circumstances. If you can rebuild trust and stay emotionally strong despite the limitations of your married lives, then you might be able to continue. But if you feel like this betrayal has permanently altered the emotional safety you once felt with her, stepping back to protect your emotional health might be the better choice.

..Read more

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Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

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Dear Sir, I am 47 years old IT professional. My current salary is 1.5 lakhs per month. I have a daughter who just completed her 10th board exam. My corpus is around 1.6Cr FD&PPF; 30 lakhs in MF & stocks; 50 lakhs in EPF. I have no debt and living in my own house. Please suggest if I can plan for retirement
Ans: Your financial position is strong, and planning for retirement at 47 is a smart decision. Below is a detailed 360-degree approach to assess whether you can retire comfortably and how to ensure financial security.

Understanding Your Current Financial Position
Income: Rs 1.5 lakh per month.

Corpus:

Rs 1.6 crore in Fixed Deposits (FD) and Public Provident Fund (PPF).

Rs 30 lakh in mutual funds and stocks.

Rs 50 lakh in Employees' Provident Fund (EPF).

Liabilities: No debts.

Assets: Own house, ensuring no rent or EMI burden.

Family Responsibility:

Daughter has just completed the 10th board exam.

Higher education expenses need to be planned.

Key Considerations Before Retirement
Expected Retirement Age

If you plan to retire early (before 55), corpus sustainability needs careful assessment.

If you work till 60, it will provide a larger financial cushion.

Post-Retirement Expenses

Living expenses, healthcare, travel, and lifestyle costs must be considered.

Inflation will increase future expenses.

Daughter’s Education

Higher education costs are significant.

Corpus should cover both education and retirement without compromise.

Medical Expenses

Health costs increase with age.

A high health insurance cover is essential.

Wealth Growth vs. Safety

A mix of equity and debt investments ensures growth while preserving capital.

Excessive reliance on FDs and PPF may limit long-term wealth accumulation.

Assessing If You Can Retire Comfortably
Current Corpus Size

Rs 2.4 crore (excluding house) is a strong starting point.

But, inflation will reduce its real value over time.

Expected Corpus Growth

Investments in mutual funds and stocks should continue to grow.

PPF and EPF offer stable but lower returns.

Withdrawals Post-Retirement

Sustainable withdrawals should not deplete the corpus too soon.

A balanced investment strategy is required.

Gaps in Planning

Heavy reliance on FDs and PPF may not be ideal.

More equity exposure can ensure inflation-beating returns.

Steps to Strengthen Your Retirement Plan
1. Optimising Investment Strategy
Continue investing in mutual funds with a mix of large-cap, mid-cap, and flexi-cap funds.

Reduce dependence on FDs for long-term needs.

Equity mutual funds help counter inflation and grow wealth.

Avoid index funds as they provide average returns without active management.

Regular funds through a Certified Financial Planner (CFP) offer expert monitoring.

Diversify investments between equity, debt, and fixed-income products.

2. Planning for Daughter’s Education
Higher education costs can be Rs 30-50 lakh in the next 5-7 years.

Separate this goal from your retirement plan.

Increase equity investment to build an education corpus.

Avoid withdrawing from retirement savings for education.

3. Building a Healthcare Safety Net
Health insurance should cover at least Rs 30-50 lakh.

Consider super top-up plans for additional coverage.

Maintain an emergency medical fund to cover non-insured expenses.

Review insurance policies periodically.

4. Creating a Sustainable Withdrawal Plan
Avoid withdrawing a large portion of the corpus in early retirement years.

Keep at least 5 years of expenses in liquid assets.

Equity exposure should reduce gradually as retirement progresses.

Use dividends and interest income before selling assets.

Final Insights
Retirement is possible, but adjustments are needed for long-term security.

Continue investing aggressively for the next few years.

Ensure daughter's education is planned separately.

Review investments and insurance regularly.

Keep flexibility in withdrawal strategy post-retirement.

A structured plan will ensure a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Money
My employer offers a salary sacrifice scheme for pension contributions, but I don't fully understand how it works. What are the potential advantages and disadvantages of joining such a scheme, and how does it affect my take-home pay and long-term financial planning?
Ans: A salary sacrifice scheme for pension contributions allows you to give up a portion of your salary in exchange for increased employer contributions to your pension. It has tax and National Insurance (NI) advantages but also some potential drawbacks.

How Salary Sacrifice for Pension Works
You agree to reduce your gross salary by a chosen amount.

Your employer contributes this amount directly to your pension.

Since your taxable salary is lower, you pay less income tax and NI.

Your employer also saves on NI and may pass on some or all of this saving to your pension.

Advantages
1. Tax and NI Savings
You don’t pay income tax or NI on the sacrificed amount.

Your employer saves on NI (currently 13.8%) and may increase your pension with these savings.

2. Higher Pension Contributions
Since more money goes into your pension, your retirement corpus grows faster.

Compounding over time enhances long-term wealth.

3. Increased Take-Home Pay
Although you sacrifice part of your salary, the NI savings may offset some of the reduction.

Depending on employer policies, your net pay may not drop significantly.

4. Potential Employer Matching
Some employers pass their NI savings into your pension, increasing your total contributions.

Disadvantages
1. Reduced Gross Salary
A lower salary means reduced future pay rises if they are percentage-based.

Life cover, sick pay, and redundancy pay linked to salary may be affected.

2. Lower Borrowing Capacity
Mortgage applications consider salary; a lower reported income might reduce borrowing potential.

3. Impact on State Benefits
If salary drops below certain thresholds, statutory benefits like maternity pay and state pension could be affected.

4. Restricted Access to Pension
The extra pension savings cannot be accessed before retirement (except under specific conditions).

Effect on Take-Home Pay
Your net pay will be slightly lower, but less than the actual amount sacrificed.

The tax and NI savings cushion the impact.

If your employer adds their NI savings, your total retirement savings increase.

Effect on Long-Term Financial Planning
Your pension fund grows faster, improving retirement security.

Short-term disposable income is slightly reduced, so budget planning is important.

Consider how the reduced salary affects other financial goals like buying a house or saving for education.

Should You Opt for It?
If employer NI savings are passed to your pension, it’s highly beneficial.

If you are close to lower tax bands or state benefit thresholds, assess the impact.

If you plan to apply for a mortgage, check how it affects your eligibility.

A Certified Financial Planner (CFP) can help assess your personal situation before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8182 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 03, 2025

Asked by Anonymous - Apr 03, 2025Hindi
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Money
Hi Sir , Greetings of the day!! hope you are doing well !! I want to do a savings of 50 lacs in as much less time span as possible because I want to buy a property in Gurgaon. My monthly salary is 1 lac 11k and I am currently investing 10k in mutual fund monthly and 50k in nps yearly. Can you please guide me how can I save 50 lacs and in how much time ?
Ans: Your goal of saving Rs 50 lakh for a property in Gurgaon is ambitious but achievable with the right strategy. Below is a structured approach to help you reach your target in the shortest possible time.

Understanding Your Current Financial Position
Your monthly salary is Rs 1.11 lakh.

You invest Rs 10,000 per month in mutual funds.

Your annual NPS contribution is Rs 50,000.

You haven't mentioned any liabilities or existing savings. If you have any ongoing EMIs or debts, they should be factored in.

Key Considerations for Achieving Rs 50 Lakh Target
The speed of reaching Rs 50 lakh depends on savings rate and returns.

High savings rate is the most reliable way to accumulate wealth.

Investment returns are uncertain and depend on market conditions.

A balanced approach is necessary to ensure stability and growth.

Increasing Your Savings Rate
Currently, you are investing Rs 10,000 per month.

If you can increase it to Rs 50,000 per month, you will reach Rs 50 lakh faster.

Cutting discretionary expenses will free up more money for investments.

Consider reducing unnecessary spending on dining out, luxury items, and vacations.

Redirect bonuses, incentives, or salary hikes towards savings.

Choosing the Right Investment Instruments
Mutual Funds for Growth
Actively managed equity mutual funds can generate better returns than fixed deposits.

A mix of large-cap, mid-cap, and small-cap funds can balance risk and reward.

Mid-cap and small-cap funds have higher growth potential but also higher volatility.

Avoid index funds as they provide average returns and lack active risk management.

Debt Investments for Stability
Fixed deposits, debt mutual funds, and PPF provide stability.

These should be used for short-term parking rather than long-term growth.

Debt mutual funds are taxed based on your income tax slab.

Avoid locking too much money in low-return instruments.

Balancing Risk and Return
Investing entirely in equity mutual funds can generate high returns but comes with volatility.

A mix of 80% equity and 20% debt can provide stability.

As your target nears, shift more funds towards safer instruments.

Avoid speculation and high-risk investments like cryptocurrency.

Role of NPS in Your Goal
NPS is good for retirement but not ideal for short-term goals.

Partial withdrawal is allowed only under specific conditions.

Do not rely on NPS for your property purchase.

Managing Tax Efficiency
Equity mutual fund LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Debt mutual fund gains are taxed as per your income slab.

Investing in tax-efficient instruments will maximize returns.

Estimating the Timeframe
If you invest Rs 50,000 per month, you can accumulate Rs 50 lakh in about 7-8 years with moderate returns.

If you invest Rs 75,000 per month, you can reach Rs 50 lakh in about 5 years.

The faster you increase your savings, the sooner you will achieve your goal.

Final Insights
Increase your monthly investment to at least Rs 50,000.

Focus on actively managed equity mutual funds.

Keep a small portion in debt for stability.

Avoid unnecessary expenses and invest salary increments.

Do not depend on NPS for this goal.

Monitor and adjust your portfolio as needed.

Stay disciplined and patient to achieve your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

Dr Dipankar

Dr Dipankar Dutta  |1092 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Apr 03, 2025

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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