Dear LG,
Please don't disclose my name. I don't want to share my personal problems with others.
I am 45 years old, married 13 years ago; my wife's age is now 38 years.
I got two kids.
My wife is pretty (she takes lot of care for her beauty) and I want to live simple.
I kept faith on my wife so I didn't interfere in her life.
From last four years, I am staying away from family (because of work I have shifted to other city, monthly once I go back , purchase everything, give money for expense and return to job).
She keeps her mobile with security. Once, by mistake, I read her WhatsApp message. One of her office client was praising her pics and she was responding to him. So I told her, be official, don't entertain, if they fall behind you and we may face problem. She agreed but is doing the same thing and deleting his messages.
Then I wanted to see what all things she does in WhatsApp. So her link I shared in my mobile and started reading her messages.
She use to chat with one married person from last three years, she changed his name in her mobile and kept his wife's name. Three years back he proposed her with love song. My wife used to support him, sometimes she used to delete the messages.
He knows all my family history. Whenever they get time, they used to talk each other
in phone. Some messages I read, they were planning to meet also.
She always come home very late, I didn't question her because I kept faith, but as I told you I have two kids in home. If she comes late, they are facing a problem (they stay alone until she comes back).
Simultaneously she is chatting with another married friend. She says he is like a brother in front of me, but that person says baby, darling, dear, love, etc, in his conversation and forwarded some love songs and calling her for long drive. My wife replied some other day we will go. He replies, You always says same thing. I will become old one day.
Then I was surprised and guided my wife indirectly. I told, don't entertain any person they may start to trouble you or if anybody troubling you please tell I will help you. We got two kids so we got lot of responsibility.
She got a clue that I am reading her messages, so immediately she deleted all messages and after some days she deleted their numbers, along with that she deleted some other numbers also!  Why, I don't know.
Once I told my son, beware, I can track you and tell where are you going and what are you doing. But from that day onwards, my wife is blocking her internet at 6 pm (when her office closes) and unblocking when she returns home. I am worried regarding this behaviour.
I have stopped reading her messages now.
But now I am feeling very uncomfortable because her behaviour is very soft with me, (previously she was very aggressive, she used to fight with me unnecessarily.)
Please guide me how to handle the situation. What can I do now? Sometimes I feel I should leave everything go somewhere or is it a punishment for marrying a pretty girl? What to do? Please guide how handle the situation.
Regards.

Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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