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Cheating Husband: Torn Between Trust and Reality

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Aug 25, 2024Hindi
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Relationship

My husband has been cheating on me. I recently discovered a receipt of payment that was unusual of my husband's regular activities. I called the shop and realised that the payment was genuine and it was made by my husband who was accompanied by a young lady. Since then, I have had sleepless nights. I have been wanting to talk to him but I am not mentally prepared to hear his side of the story. If he admits, it would mean our long years of marriage is over. If he denies, it would mean he is lying to me. However, there is a part of me that wants to trust him and give him some benefit of doubt. I have a 12 year old daughter. If he admits to having an affair, this news can break both of us. Pls help.

Ans: Start by acknowledging your feelings without judgment. The anxiety, sleepless nights, and fear are natural responses to such uncertainty. Allow yourself space to process these emotions. You don’t have to rush into confronting your husband until you feel emotionally steady enough to handle the conversation, regardless of the outcome. Sometimes, writing down your thoughts and questions can help organize your feelings and prepare you for the discussion.

It’s also important to consider your goals for the marriage and your family. Ask yourself what you need to feel secure and respected in the relationship. If you decide to confront him, do so with the intention of seeking understanding and clarity, not immediate resolution. This will allow you to approach the conversation with as much calm as possible.

When you're ready to speak with him, choose a time and place where you both can have a private, uninterrupted conversation. Start by expressing your feelings honestly but without accusations. For example, you might say, "I came across this receipt, and it’s been weighing heavily on me. I want to understand because I value our marriage and our family." This sets the tone for a constructive dialogue rather than an argument.

Prepare yourself for his response, whatever it may be. If he admits to wrongdoing, it will hurt, but it will also give you the clarity to decide what comes next—whether that’s working through the betrayal or choosing a different path. If he denies it, try to assess whether his explanation feels genuine or dismissive. Trust your instincts, but also give yourself time to reflect before making any major decisions.

If the uncertainty continues to eat away at you, seeking support from a counselor or therapist can be invaluable. A professional can help you process your emotions, clarify your priorities, and guide you in deciding what is best for you and your daughter. Protecting your emotional well-being is vital, as it will also help you maintain stability for your child during this challenging time.

Remember that trust and honesty are the cornerstones of any healthy relationship. Whether the truth strengthens your bond or pushes you to reconsider your future together, it’s essential to prioritize your self-respect and emotional health. You are not alone in this, and with time and support, you can navigate this difficult moment with resilience and clarity.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1477 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

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Relationship
Hello, I am 41 year old professional. I had met my husband before marriage though social media 5 years back and thereafter maintaining distance relationship and meeting occasionally for 3 years we got married in 2021. It was a struggle for marriage as it was inter caste and inter religious marriage. Everything was smooth in relationship to the fact that I’m responsible for all financial matters as my husband has no job. He is still trying and looking for job. I didn’t mind much but would encourage him to get the job to be mentally and physically fit. Last year we went to his nephews marriage to his village. It was of 7 day programme. On second day I noticed him watching another women ( nephews mother’s sister who has 2 daughters) At that time I didn’t pay attention. After 2 days on a night function I saw my husband texting from far but he looked at that lady again. She also seemed to texting. I became suspicious. Later that night when he came to room I asked to show him his phone he was reluctant. I had to snatch his phone and I saw that he was texting the same lady and in that had asked her to meet her alone. and asking her where he can meet her. I gnashed cried and made a huge scene coz this was not what I had expected. He tried to convince that she was his girlfriend of past and suddenly after seeing her after sometime he only wanted to talk to her. I only asked her ... why alone? He had told me during dating that she had a girlfriend ( never told her identity) and that she has married and moved on. Feeling cheated I could not sleep but only cried that night and in the morning if we can return to our city. Programme had not finished but he agreed and we left. Since then that night and those days still haunt me ; thinking what didn’t I do to love him so much and in return we get cheated. I’m still with him, but mentally I still feel cheated and still am in doubt that he is in touch with her. I am not able to do my duties as part of my mind thinks he cheats me though I have confronted many times on this and he denies that he is not in touch with her Should I leave him or continue with this marriage? We still don’t have any baby.
Ans: Dear Vandana,
Clearly you are more into him than he is into you. Baby or no baby, he seems like someone who isn't going to be steady...what was the need to hide and plan a meeting and if the other lady has moved on, what is doing hanging around her?
And with no financial assurance and stability, he is only tuning his energies to external validation to 'up' his elf esteem...

Isn't it time you actually called him out for his wayward nature and his absolute reluctance to take on some responsibility in the marriage and home? The more you are quiet, the more he is going to feel that you are supporting this nonsense...call it out and NOW! And as for your state of mind, do know that you have it in you to hold your own...don't base you peace of mind on anything outside of you...

All the best!

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Anu

Anu Krishna  |1477 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2024

Asked by Anonymous - Jul 26, 2024Hindi
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Relationship
Hi, my husband has been talking to my maid from last 3 years. Also, helped her for raising funds for her daughter's marriage without my knowledge. However, I caught him through his phone. That maid called him every now and then. They spoke for hours without my knowledge. Last time also the same thing happened but he promised me it will not happen again, hence I let it pass. Last time though his phone statement I caught him after which they started talking through what's app call. My husband is apologizing me and saying he didn't had a physical relationship with her and this will not happen again. I completely lost my trust on him. I didn't had intimacy from last 2 years and now after knowing this whenever he comes close I feel disgusted with his touch. I am the major contributor to the family financially. After doing so much for him and supporting him though his rough patch, this is what I got from him. I feel shattered now, what should I do? please help ????
Ans: Dear Anonymous,
Clearly this is not the first time that your husband has been involved in 'something on the side'.
When he shows no remorse and no willingness to change his ways, obviously he's seeking a lot of validation from external sources. In this case, it happens to be the maid. (I hope you have sacked the maid already!).

Obviously with repeated instances of him going back on his word, the trust factor is in question. Does he even care? Your marriage is in a place where you must now either work on putting it back OR give him an ultimatum. What will work in your case, is something that only you will know...
Time to bring your husband to his senses; which means perhaps involving a professional to guide you. You may have to go at this by yourself, seek help in managing your husband and his waywardness. Then your husband will be roped in to deal with his deep down need for validation and succumbing to it over and over again. Then you can begin to function as a single unit towards making the marriage work. This looks like a lot to go through BUT the decision is yours.

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

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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Nov 01, 2024Hindi
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Relationship
Hii, my husband and I have a love marriage after 9 years of dating, now it has been 6 years and two children after that, little one is 8months old. He had a brief affair extending to chatting mostly as far as I know to someone who works in the same company but different department to him when my little one was 1 month old, we were in rough patch that time due to child birth difficulties and family drama. Then as I got to know about the same, by casually checking his phone and confronted him he accepted his mistake and said sorry. And said he won't be doing that again but I caught him again somehow chatting and same repeat he said he is wrong and now as per him he have reduced talking to that girl. But as I think he talks to her thoda bhot, as she is his junior position and asks for help once a while. I love my husband a lot, but this thing hurt my self respect and I am in a lot of torture mentally. I know my husband won't leave me, but I don't want to stay in such a relationship which feels a burden to my partner. I want my husband to be happy too. I am very confused what to do. I have talked to him on several times, every time he listen and helps me calm down, some times we fought also. But I am not at peace. Ps that girl is also married to her love just 2 years back. I don't want to harm my husband's reputation in any way. But I am very much hurt also. I have been reading your column for 3-4 now. I am also financially independent. I don't need anything form him, just his love. Sorry for the length, please help me.?
Ans: In your heart, it’s clear that you love him deeply and that, ideally, you want to preserve your family and relationship. However, it’s important not to dismiss your own needs for validation, love, and respect. Sometimes, the process of forgiveness includes setting strong, clear boundaries. Your husband needs to understand that while you’re willing to work on the relationship, trust is fragile and requires commitment to restore. This might mean a commitment on his part to keep all communication with this colleague strictly professional and transparent, or even a decision to minimize interactions with her entirely if necessary. Expressing these boundaries clearly may help him see the gravity of what’s at stake.

It’s also valuable to remember that healing from betrayal is not a quick process. Even with reassurances and boundaries in place, your feelings of hurt, betrayal, and anger may surface unexpectedly. Be gentle with yourself in this process and consider turning inward to strengthen your own resilience. Financial independence is an incredible strength, and leaning into the aspects of your life that bring you personal fulfillment can be grounding. Investing in your own well-being will help you feel more centered, no matter where this journey takes you.

If, at any point, you feel that his actions aren’t aligning with his words and that trust cannot be rebuilt, remember that choosing a path that prioritizes your mental peace is not a failure. Some couples also find that a temporary separation helps provide clarity; this doesn’t have to mean ending the relationship but could be a chance to reset, reflect, and decide if you both are truly aligned in your vision for the future.

In the end, what matters most is that you feel respected, valued, and loved in a way that doesn’t compromise your self-worth. This situation is a challenging chapter, but with clarity, boundaries, and professional support, you can find a path that honors both your love for your husband and your own dignity.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 04, 2025Hindi
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Money
I am 35, single, earning Rs 10 LPA with no loans or liabilities. I have savings of Rs 15 lakh. I want to retire at 50 with a corpus of Rs 5 crore. How can I plan my investment? Possible?
Ans: Your goal is ambitious but achievable. You have a stable income and good savings. With the right investment plan, you can build wealth.

Understanding Your Current Financial Position
You earn Rs. 10 lakh per year. This gives good savings potential.

You have Rs. 15 lakh in savings. This is a strong base to start.

You have no loans or liabilities. This gives flexibility in investing.

You want Rs. 5 crore in 15 years. This needs disciplined planning.

A structured investment strategy will help you achieve this.

How Much Should You Invest?
You need to invest aggressively for wealth creation.

A mix of equity and debt investments will help balance risk.

Invest a large portion in equity for long-term growth.

Increase investments every year as your income rises.

Review your portfolio regularly to stay on track.

Building an Investment Portfolio
Actively managed mutual funds can generate higher returns.

A mix of large-cap, mid-cap, and small-cap funds is ideal.

Equity mutual funds should form a major part of your portfolio.

Debt investments can provide stability in the long run.

Avoid index funds, as they lack flexibility and active management.

Role of Savings and Emergency Fund
Keep at least six months of expenses in an emergency fund.

This fund should be in liquid investments for easy access.

Do not use retirement investments for short-term needs.

Maintain a separate health fund for medical emergencies.

Retirement Planning Considerations
Inflation will increase expenses in retirement. Plan accordingly.

You need a withdrawal strategy for a stable income after 50.

Medical costs will rise. Health insurance is essential.

Continue investing even after retirement for wealth preservation.

Insurance and Risk Management
A term life insurance policy is necessary if you have dependents.

Health insurance is critical for financial security.

Avoid investment-cum-insurance plans as they have low returns.

Separate insurance and investment for better financial growth.

Finally
Your goal is achievable with disciplined investments.

Equity investments should be the core of your portfolio.

Increase SIP amounts as your income grows.

Keep reviewing and adjusting your strategy regularly.

A well-planned approach will help you retire comfortably at 50.

Stay focused and committed to your financial plan.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 04, 2025Hindi
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Money
I am 38 years old, female, married, with annual salary of 11 LPA. I am currently investing 6K monthly in LIC and SIP. I have PF of Rs 8 lakh and a home loan of 60 lakh for a 1 cr flat. My monthly home loan EMI is 53K. How can I improve my investments to retire at 58 with good savings?
Ans: Your financial situation is good. You have a stable income and a home. But your current investments are low for early retirement. You need to plan strategically.

Assessing Your Current Financial Position
Your annual salary is Rs. 11 lakh. This gives good saving potential.

Your home loan is Rs. 60 lakh. EMI is Rs. 53,000 per month.

Your PF balance is Rs. 8 lakh. This will grow but may not be enough.

Your monthly investment is only Rs. 6,000. This is too low for your goal.

You own a Rs. 1 crore flat. But real estate is not a liquid asset.

A strong financial plan is needed. Let’s look at the key areas.

Loan Repayment Strategy
Your EMI is high. It takes a big part of your salary.

Focus on prepaying the loan. This will reduce interest cost.

Try to make one extra EMI payment every year.

Any bonus or salary hike should go towards prepayment.

A shorter loan tenure means more savings in the long run.

Increasing Investments
Rs. 6,000 per month is not enough. You need to invest more.

Aim to invest at least 25-30% of your salary.

Increase SIP amount whenever you get a salary hike.

Consider actively managed mutual funds for better returns.

Keep a good balance between equity and debt investments.

Retirement Planning Strategy
You have 20 years before retirement. This is a good time frame.

A well-diversified portfolio will help you reach your goal.

Regularly review and adjust your investments as needed.

Inflation will increase expenses. Plan for higher withdrawals later.

Keep a retirement health fund separately. Medical costs will rise.

LIC Policy Assessment
LIC policies have low returns. They may not be the best investment.

Check if surrendering and shifting to mutual funds is beneficial.

Term insurance is better for life coverage than traditional LIC plans.

Investment and insurance should not be mixed.

Emergency Fund and Insurance
Keep at least 6 months of expenses in an emergency fund.

Ensure you have adequate health insurance.

A separate term life cover is important if you have dependents.

Final Insights
You need to increase investments significantly.

Loan prepayment will help reduce financial burden.

Actively managed mutual funds can grow your wealth better.

Inflation and medical costs must be planned for.

A structured financial plan will help you retire comfortably.

With the right strategy, early retirement is possible. Stay disciplined and review your plan regularly.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Radheshyam

Radheshyam Zanwar  |1174 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 04, 2025

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Career
Hello Sir, My daughter is studing in class 8th in Kendriya Vidyalaya. She has a great grasping power but does not study. Her marks are also very poor. Also, she is very poor in Maths. Can she move to a career in computers / AI? Please advice what career options she has in case she continues to struggle in her studies? Regards Nitin
Ans: Hello Nitin.
Right now, your daughter is studying in just 8th std. On one side, you are saying that she has great grasping power but is poor in maths and scores less too. I would suggest as follows: (1) Just focus on the syllabus of 8th std and coming standards. (2) Ask her to do more writing practice to score more in exams (3) If she is weak in maths, then practice is the only solution for that. Ask her to do more practice on maths (4) Regarding her career options, it would not be better to discuss them at this early stage. Let her complete at least 10th std to assess her performance and her vision towards the upcoming future (5) Anybody with any stream, can now work in the computer and AI field. However she is more inclined towards these fields, then she has to study some computer languages and coding skills to master them. Even if she is struggling at this stage, then the same pattern doesn't need to continue in the future also. I have seen many cases, where a student was very weak in schooling but cracked JEE/NEET in 12th standard. Let us think positively about your daughter.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Janak

Janak Patel  |14 Answers  |Ask -

MF, PF Expert - Answered on Feb 04, 2025

Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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Money
Dear Sir, I am 43 years old unmarried guy living in a metro city and have no dependents. I own a home and have no loans. My monthly expenditure is around 50,000 rs. I have MF investment of 2 Cr, PF, Gratuity and FD of 45 Lakhs. Am I in a comfortable position to retire by next year? Please Advise
Ans: Your financial position is strong. But before deciding on early retirement, a detailed analysis is needed.

Assessing Your Financial Readiness
You have Rs. 2 crore in mutual funds. This is a good amount.

Your PF, gratuity, and FD total Rs. 45 lakh. This adds stability.

Your monthly expense is Rs. 50,000. That means Rs. 6 lakh per year.

You own your house. So, no rent or EMI burden.

You have no dependents. So, no major family responsibilities.

This means you have a solid foundation. But retirement is a long journey. Let’s evaluate key factors.

Longevity and Inflation
You may live for 40+ years post-retirement. Your funds must last that long.

Inflation will increase costs. Rs. 50,000 today will not be the same after 10 years.

Medical costs rise faster than general inflation. This must be planned.

Regular investments must outpace inflation. Otherwise, purchasing power reduces.

Sustainable Withdrawal Rate
If you withdraw too much too soon, the corpus may not last.

A balanced mix of equity and debt is needed to sustain withdrawals.

Fixed deposits offer stability but may not beat inflation.

Mutual funds can provide better growth but come with some risk.

Medical and Emergency Planning
Do you have health insurance? If not, get a high coverage policy.

Emergency funds should cover at least 2-3 years of expenses.

Keep some liquid funds for unexpected expenses.

Investment Strategy for Retirement
A mix of equity and debt is needed. 100% equity is risky.

Fixed deposits and debt funds offer stability.

Actively managed mutual funds can help beat inflation.

Regular review of investments is needed. Markets fluctuate.

Lifestyle and Post-Retirement Engagement
What will you do after retirement? Purposeful engagement is important.

Part-time consulting or freelancing can keep income flowing.

Passive income sources should be explored.

Final Insights
Your financial base is good. But early retirement needs careful planning.

Inflation, longevity, and market risks must be factored in.

Structured withdrawals and investment rebalancing are necessary.

Medical coverage and emergency funds are a must.

Consider phased retirement instead of stopping work fully.

Review your plan every year to stay on track.

Retirement is not just about numbers. It is also about lifestyle and purpose. Think from all angles before making a decision.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 04, 2025Hindi
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Money
I am 51, in central government service, having old pension scheme. I want to take retirement. I shall get a gross pension of 70 thousand rupees. I shall get around 70 lakhs from GPF, leave salary and gratuity which I shall invest in long term govt securities. In addition, I have equity shares having CMP 60 lakhs. Am I taking a safe decision?
Ans: Your decision to retire early requires careful analysis. Let’s assess your financial situation from multiple angles.

Strength of Your Retirement Plan
You have a secured pension of Rs 70,000 per month.
This provides a stable and guaranteed income for life.
Your one-time corpus is Rs 70 lakhs.
You also hold equity investments worth Rs 60 lakhs.
Your approach shows good financial discipline.
Analysing Your Monthly Income and Expenses
Your gross pension is Rs 70,000 per month.
After tax deductions, your net pension will be lower.
Inflation reduces purchasing power over time.
Healthcare costs increase after retirement.
You need a detailed expense plan for the next 30+ years.
Strength of Your Investment Plan
You plan to invest Rs 70 lakhs in long-term government securities.
Government securities are safe but offer moderate returns.
A portion should go into mutual funds for better growth.
Your Rs 60 lakh equity portfolio adds growth potential.
You need a balanced approach between safety and returns.
Risk Factors in Your Plan
Pension covers basic needs, but future inflation is uncertain.
Government securities give low returns, which may not match inflation.
Equity investments are subject to market fluctuations.
Medical emergencies can impact finances unexpectedly.
You need a contingency fund for unpredictable expenses.
Recommendations for a Safer Retirement
Keep at least 2 years’ expenses in a liquid fund.
Diversify Rs 70 lakhs across FDs, debt funds, and balanced funds.
Maintain 30-40% of your portfolio in equity for future growth.
Consider mutual funds with a Certified Financial Planner for professional management.
Track your pension expenses annually to adjust investments.
Final Insights
Your pension gives you financial security.
Your corpus of Rs 70 lakhs should be wisely allocated.
Equity exposure is good but needs risk management.
A diversified portfolio ensures consistent income and future growth.
Plan for medical emergencies and inflation protection.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

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Hello Sir/Ma'am, I hope you are doing good. I am currently 29 years old and i have started investing in mutual funds from December 2024. I am currently investing Rs. 30000/- every month with an annual stepup of 10%. My investment period is for 30 years. My current portfolio as follows: Flexi Cap Fund: 1. Parag parikh flexi cap fund direct growth - (Rs. 5550/-). 2. Nippon India Nifty 500 momentum 50 index fund direct growth - (Rs. 6000/-). MIDCAP FUND : 1. Kotak Nifty midcap 150 momentum 50 index fund direct growth - (Rs. 7400/-). SMALL CAP FUND : 1. TATA SMALLCAP FUND direct growth - (Rs. 3500/-). 2. Mirae assets nifty smallcap 250 momentum quality 100 index fund fof direct growth - (Rs. 5920/-). LARGE CAP FUND : 1. KOTAK NIFTY NEXT 50 INDEX FUND direct growth - (Rs. 1630/-). Could you please suggest me how is my portfolio at the moment and i would be thankful if you suggest me any changes required. Thank you.
Ans: Your investment approach is structured and disciplined. You are consistently investing and planning for long-term growth. However, some refinements can enhance your portfolio’s efficiency.

Here is a detailed evaluation of your portfolio, highlighting strengths, risks, and areas for improvement.

Positive Aspects of Your Portfolio
Consistent Investments

You are investing Rs. 30,000 per month, which is substantial.
A 10% step-up ensures growth in investment over time.
Long Investment Horizon

A 30-year investment horizon allows compounding to work effectively.
Diversification Across Market Caps

Your portfolio includes large-cap, mid-cap, small-cap, and flexi-cap funds.
This diversification reduces risk and enhances return potential.
Growth-Oriented Approach

Your funds focus on long-term capital appreciation.
Small-cap and mid-cap funds bring high-growth opportunities.
No Sectoral or Thematic Overexposure

You are not overly exposed to any single sector or theme.
This ensures a balanced risk-reward ratio.
Concerns and Areas for Improvement
Over-Reliance on Index Funds
Index funds follow a passive approach and lack active fund management benefits.
Actively managed funds can outperform index funds, especially in small-cap and mid-cap categories.
Index funds do not protect against market downturns like active funds.
You have multiple index-based investments, which may limit your upside potential.
Higher Small-Cap and Mid-Cap Allocation
Small-cap and mid-cap funds are volatile.
These funds can give high returns but can also see sharp declines.
Your current allocation may lead to higher portfolio fluctuations.
Direct Plan Disadvantages
Direct plans do not provide professional fund selection and rebalancing.
A Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD) can help optimise your portfolio.
Regular plans come with advisor expertise, which helps in long-term wealth creation.
Recommended Portfolio Adjustments
Reduce Index Fund Exposure
Replace index funds with actively managed funds for better performance.
Active fund managers adjust portfolios based on market trends, offering downside protection.
Choose funds with a strong track record of risk-adjusted returns.
Rebalance Small-Cap and Mid-Cap Allocation
Reduce small-cap exposure slightly to manage risk.
Increase flexi-cap or large-cap allocation for stability.
Balanced exposure to all market caps will create a steady portfolio.
Shift to Regular Plans for Professional Guidance
Direct funds lack expert monitoring.
A Certified Financial Planner can provide insights into market cycles.
Portfolio rebalancing and allocation adjustments will be handled professionally.
Where to Invest the Adjusted Amount
Increase Flexi-Cap Fund Allocation

A flexi-cap fund offers exposure across all market caps.
This reduces overexposure to small-cap and mid-cap.
Consider Large & Mid-Cap Funds

These funds balance growth and stability.
They provide higher returns than large-cap funds while being less volatile than small-cap.
Include Hybrid Funds for Stability

A balanced advantage fund or a dynamic asset allocation fund reduces volatility.
These funds adjust equity-debt allocation dynamically.
Add a Conservative Debt Fund

This provides stability and liquidity.
You can use it for short-term needs or rebalancing.
Final Insights
Your investment strategy is strong and goal-oriented.
Minor adjustments can improve returns and reduce risk.
Reduce index funds and switch to actively managed funds.
Diversify better between large-cap, mid-cap, and small-cap.
Shift from direct to regular plans for professional management.
A well-balanced portfolio will create long-term wealth while managing risk.
If you need further guidance, professional portfolio restructuring can help.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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Money
How does the pension scheme works? Currently total service history showing in epf India is 13.5 years however these years spread across different companies. Am I still eligible for pension?
Ans: Your pension eligibility depends on the Employee Pension Scheme (EPS) rules. Let’s analyse it in detail.

Understanding the Pension Scheme
The Employees’ Pension Scheme (EPS) is managed by the Employees’ Provident Fund Organisation (EPFO).
It provides a monthly pension after retirement.
Your employer contributes 8.33% of your basic salary to EPS.
You do not contribute to this scheme.
The government also supports this fund.
This pension is different from your EPF corpus.
Eligibility Criteria for Pension
You must have completed 10 years of service to be eligible.
You should reach the age of 58 to get a full pension.
Early pension can be taken after 50 years at a reduced amount.
You need to submit Form 10D to claim your pension.
Service History Across Different Companies
Total service years are counted, even if you changed jobs.
If your EPF account was transferred, all years will be included.
Your UAN (Universal Account Number) links all past EPF accounts.
If there is any break in service, it does not affect total years.
Ensure all previous EPF accounts are merged under your UAN.
Pension Calculation Based on Service
Less than 10 years: You can withdraw EPS corpus using Form 10C.
10 years or more: You are eligible for a monthly pension at 58 years.
Above 20 years: Higher service years result in a better pension amount.
What You Should Do
Check if all past EPF accounts are linked to your UAN.
Verify your service history in the EPFO portal.
If any past job is missing, request your employer for an update.
If you change jobs again, always transfer your EPF to the new employer.
If you are not working now, you will still get a pension at 58 years.
Final Insights
You have 13.5 years of service, so you are eligible for a pension.
Ensure all previous jobs are linked to your UAN.
You can claim your pension at 58 years with Form 10D.
If any years are missing, get them updated in EPFO records.
A higher number of service years gives better pension benefits.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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Hello sir I am 28 have around 8L in fixed deposit, 14L in mutual fund ,5L in stocks, 6L in pf and 2L in nps. I have a home loan with 4L left in payment. I earn 170k after taxes per month. I currently invest 50k per month in Mutual funds (index , elss and quant) , 20k per month is RD, 10k per month in stocks and 22k per month as home loan emi. I have an average monthly expense of 25k on top of this. I wanted to know if there are any good instruments to invest around 30-40 k per month , which are not very risky in nature along with my current set of investments. Currently I have been saving up the excess amount and paying off the home loan. Can you please guide me on this.
Ans: You have Rs. 8 lakh in a fixed deposit. This is a secure but low-return asset.

Your mutual fund portfolio is Rs. 14 lakh. Diversification here is important.

Your stock holdings are Rs. 5 lakh. Stocks add long-term growth potential.

Your PF balance is Rs. 6 lakh. This ensures retirement security.

Your NPS investment is Rs. 2 lakh. This has a lock-in till retirement.

Your home loan balance is Rs. 4 lakh. Paying it off early reduces interest costs.

Your salary is Rs. 1.70 lakh per month after tax. This gives you strong savings potential.

Current Investment Allocation
Rs. 50,000 per month in mutual funds. Actively managed funds can provide better returns than index funds.

Rs. 20,000 per month in RD. Consider shifting part of this to higher-return options.

Rs. 10,000 per month in stocks. This is good for long-term wealth creation.

Rs. 22,000 per month as a home loan EMI. Once paid off, you will have more surplus.

Rs. 25,000 per month as living expenses. This is well-controlled based on your income.

Home Loan Strategy
Your loan balance is small. Paying it off saves interest.

However, prepayment should not reduce your emergency or investment funds.

If the loan interest is low, investing may be better than repaying early.

Continue saving the excess and decide based on market conditions.

Investment Options for Additional Rs. 30,000-40,000 Per Month
Debt Mutual Funds
These are better than FDs and RDs for short-term needs.

They offer better tax efficiency and liquidity.

Choose funds with a good credit rating to reduce risk.

Balanced Funds
These provide a mix of equity and debt.

They offer stability with some growth potential.

Suitable for medium-risk investors looking for steady returns.

Corporate Bonds
High-rated bonds give better returns than fixed deposits.

Ensure that you choose AAA-rated options for safety.

They provide fixed income with lower risk.

Government Bonds and SDLs
These are safe and provide predictable returns.

You can invest through RBI Retail Direct.

They suit long-term low-risk investors.

PPF Contributions
PPF offers tax-free returns and long-term security.

You can increase contributions within the limit.

This is a risk-free and disciplined investment.

Gold ETFs or Sovereign Gold Bonds (SGBs)
Gold helps diversify your portfolio.

SGBs offer interest along with capital appreciation.

ETFs provide liquidity without storage concerns.

Emergency Fund Consideration
Ensure at least six months’ expenses in a liquid fund.

Your FD can act as an emergency reserve.

Avoid locking all funds in long-term investments.

Tax Planning
Your investments should be tax-efficient.

Long-term mutual funds and bonds help reduce tax impact.

Debt mutual funds with indexation benefits are better than FDs.

Plan ELSS investments properly to avoid excess lock-in.

Finally
Your current financial position is strong, and you have a great savings rate.

Prioritise investments that offer stability and reasonable returns.

Avoid overexposure to low-return fixed deposits.

Debt funds, balanced funds, and corporate bonds can optimise your portfolio.

Keep your emergency fund secure but make sure excess cash is working for you.

Home loan prepayment is a good option but should not impact liquidity.

Continue your disciplined investment approach and reassess periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7786 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

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Hi, I am investing below SIP along with return given. Can you please assist whether my returns are good or anything i need to improve in SIP?.SIP-1, Invested 365000-Returns 259000-6.1 years, SIP-2, Invested 60000-Returns 1300-1 year
Ans: Your SIP performance needs a detailed evaluation. Let’s analyse it from different angles.

SIP-1: Performance Review
You invested Rs 3,65,000 over 6.1 years.
Your current returns stand at Rs 2,59,000.
Your returns are lower than expected over this period.
A good equity mutual fund should give better results in over 6 years.
The returns suggest either low-performing funds or market fluctuations.
Reviewing fund categories and allocation is important.
Check if your SIP is in large-cap, mid-cap, or multi-cap funds.
Large-cap funds tend to give lower returns but are stable.
Mid-cap and small-cap funds have higher risks but better long-term potential.
If this fund is underperforming its category, a switch is needed.
Compare your fund’s 5-year and 10-year category average returns.
If your SIP is in a debt fund, returns may be lower but steady.
Exit only after checking exit loads and taxation.
If this SIP is in an underperforming fund, consider shifting to a better one.
SIP-2: Performance Review
You invested Rs 60,000 in 1 year.
Your returns are just Rs 1,300.
This is a very short period to judge performance.
Equity mutual funds need at least 5 years to show real potential.
If this is a debt fund, returns will naturally be lower.
If this is an equity fund, check market trends before deciding.
SIPs work better when invested for long periods.
Continue this SIP for a few more years before judging.
Avoid making changes based on short-term volatility.
If this SIP is in an actively managed fund, review its fund manager’s history.
Key Areas to Improve
1. Portfolio Diversification

A balanced portfolio should have large-cap, mid-cap, and small-cap funds.
Mid-cap and small-cap funds give better long-term returns but are volatile.
If all your SIPs are in large-cap funds, returns may be lower.
Debt funds help for short-term stability, but they should not dominate equity SIPs.
2. Reviewing SIP Performance Regularly

Compare your SIP returns with the benchmark index.
Check category average returns before deciding on a switch.
If the fund consistently underperforms, move to a better one.
Review SIPs every 6 months for better portfolio management.
3. Expense Ratio and Fund Management

High expense ratios eat into your returns.
If your fund’s expense ratio is very high, look for a lower-cost alternative.
Actively managed funds with strong fund managers give better long-term returns.
Avoid direct funds as they require expertise to manage well.
4. Long-Term Strategy for Better Returns

SIPs need time to generate compounding benefits.
Avoid redeeming funds early due to short-term market movements.
Invest for a minimum of 5 years in equity funds for wealth creation.
Equity SIPs work best when held for 10-15 years.
Action Plan
Step 1: Analyse Fund Performance

Check if your SIPs are in large-cap, mid-cap, or multi-cap categories.
Compare with benchmark returns.
If any SIP underperforms for more than 3 years, consider shifting.
Step 2: Increase Allocation in High-Growth Sectors

Consider increasing exposure to high-growth funds.
Balanced allocation between large, mid, and small-cap funds is important.
Step 3: Stay Invested for the Long Term

SIPs need at least 5 years for equity growth.
Continue investing to benefit from compounding.
Avoid stopping SIPs due to short-term losses.
Step 4: Rebalance Portfolio Every Year

Shift funds if they consistently underperform over 3-5 years.
Align your investments based on financial goals.
Avoid emotional decisions based on short-term trends.
Final Insights
Your SIPs need some adjustments for better returns.
SIP-1 is underperforming over 6 years and needs a fund review.
SIP-2 is too new to judge and should be continued longer.
A diversified portfolio with large, mid, and small-cap funds works best.
Actively managed funds with strong fund managers give better long-term returns.
Review your funds every 6 months and rebalance yearly.
Staying invested for the long term will generate wealth.
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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