Hi, I am 33 years old; happily married for the last 4 years and have a 3 year old kid.
There is no problem in my married life however I had a huge crush on one of my batchmates during college days.
The entire college knew about it including the girl but it never materialized further as I was never able to confess directly to her.
We parted ways after college and I accepted that this girl was not for me and moved on.
This was during the pre-social media era.
However, off late, especially during lockdown I came across her photos on FB/Insta and my old emotions resurfaced.
Now there is not a single day when I don't remember her and think about an alternate life with her.
It's not like that I don’t love my wife anymore or romance has fizzled out between us but it seems that old crush is constantly on my mind and I’m not able to get her off my mind.
I can’t tell this to that girl as she is already married and has no contact anymore with me.
I can’t tell this to my wife as well because she has absolutely no hint about it.
I am just thinking about how to get this monkey off my back and erase that girl completely out of my memory.
I tried to block her on social media, but it doesn’t help much.
It feels like some unfinished business which keeps bothering me every moment.
Can you advise me how to get out of this situation?

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Ans: Hello;

If a mutual fund company gets sold or fails, the process is prescribed by SEBI:

In case MF company is Sold,
The new fund house may:
1. Continue the scheme with a new name and management.

2. Merge the scheme with similar funds and offer investors the option to exit without any exit load.

In case MF company shuts down,
The fund house will:
1. Pay out investors based on the fund's last recorded Net Asset Value (NAV) and the number of units the investor holds, after deducting expenses.

2. If the company is not in a position to do so then SEBI may liquidate the funds assets and distribute the proceeds to unit holders.

It is also pertinent to note that mutual fund regulation in India is one of the most stringent and hence best, from investor's point of view, globally.

This is not just in theory. We have seen how the Franklin Templeton abrupt closure of debt funds was handled with surgical precision, by SEBI, with no loss to unitholders.


Skin in the game regulation mandates that 20% salary of key mutual fund personnel and fund managers is paid in terms of units of their funds with a 3 year lock-in.

The stocks and bonds purchased by the AMC for the fund are held by a custodian, appointed by the trust that administers the fund.

The trust engages into a investment management agreement with the AMC for managing the fund as per their mandate and within regulatory guidelines.

Registrar and Transfer Agents handle the investor registration,kyc, maintaining records, providing account and tax statements etc.

Happy Investing;
X: @mars_invest

Ans: OMG Mr Manoj...please take external help, take him to a doctor and get your beautiful son back into the family fold. He needs help and a father/family needs to stand with him like a rock to get him back to living a good life. See where he goes, what he does and then talk to him!! Don't blame, don't criticize...your son needs you... Just be there for him, he is yours ...nobody can do what you can do. Love him , cherish him... get him back!!Pls take action in the best interest of your son. All the best..

Ans: Hello;

Depends on the terms and conditions of the policy but generally if you don't pay the premium for the policy then it may be converted into paid up policy by the insurance company.

You may get coverage for a reduced sum assured for the balance term of the policy and maturity payment inline with the terms of paid up policy.

But if you surrender your policy then the surrender value, as applicable, is the refund you will get in this case but the life insurance cover will come to an end.

Best wishes;