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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 13, 2022

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Anonymous Question by Anonymous on May 13, 2022Hindi
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Relationship

Dear Love Guru,
Please keep me anonymous.
I am a 45 years old married male. Ours was an arranged marriage.
My spouse as well as my in-laws have cynical attitude towards life. They are always abusive towards everyone at their back even.
Earlier, I used to take it lightly and also tried to make my wife understand that there are good people also in the world.
I also used to think that she may not be having the same attitude at least towards me but I was wrong. I always did my best whenever she was in trouble or otherwise, be it in her social, professional or medical needs but instead of acknowledging she always found some ulterior motive of mine.
She acts sweet whenever she wants anything or to get things done from me otherwise she becomes abusive. Moreover, since beginning she discusses everything over phone with her mother and acts as per her guidance.
I don't think that anything whatever happens in between us be it good or bad or in our house is not known to her mother. Whenever we have any quarrel she immediately calls her mother and tells her only her side of the things and uses abusive words for me.
I have even requested her that even if she feels like calling her mother to lighten up, she may do it, but at least in privacy so that I should not hear the words she uses.
But, now after 14 years I am getting fed up and don't feel like being with her. I am continuing because of my daughter as separation may affect the child.
We no longer share any emotional or physical intimacy. I am exhausted. Please advise. 
Regards,
Anonymous

Ans:

Sounds like you’re tired of the marriage.

I would suggest attending some marital counselling together before you decide to finalise a split, if only for the sake of your daughter.

I understand that the child’s situation is taking precedence over yours, and that’s good parenting, but how long will you carry on like this? It’s been so many years already.

Your wife speaking to her mother about everything is understandable, but within earshot so that you hear it too is not. She obviously has ulterior motives.

Visit a competent counsellor. I’m sure you’ll be able to make headway in this situation.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

Relationship
Hope you are doing well.I am kinda mentally disturbed and badly need your suggestion. I have been in love and married for 13 yrs. I have a son and a daughter. I'm a working woman.I'm being constantly ill-treated by my mother-in-law. I know such issues exist in every household. But here, it has been a never-ending issue for 13 years now. She is very insecure, when it comes to household chores, my kids and my husband and feels all these areas should be in her control.She feels she is to be given utmost attention and only her thoughts and feelings to be respected and are always right. She insults me, mocks me, and doesn't treat me like a part of the family, though I’m selfless and continue to care for my in-laws and other family members. She keeps hurting me with her words, gestures and behaviour.To her, I'm like a constant pester and she doesn't feel satisfied with any chores or work at home or family. I'm a big mess. She often states 'I’m her` target` and will continue to hurt me verbally and with gestures.My husband doesn't raise questions on his mom's insane behaviour, as she threatens to harm herself.This is a routine she carries out, whenever she wants to. I have zero support from my husband to change his mom and or understand my feelings. Neither should I voice out my views or feelings. I have to look out for her moods and actions and act accordingly, any time.I have no self-respect, no dignity here. It doesn't feel like this is my house or my family, except for my kids. My kids are growing up and I feel I will lose respect amongst them, when she constantly taunts me and insults me for no reason.I have no parents or siblings to share my feelings. I open up with my close friends for a temporary vent out, otherwise, it really doesn't serve any purpose.I feel like I have to live eternally with this mental abuse, as I'm unable to put up with her behaviour and harassment. Acting as if I'm fine every day is killing me.This type of behaviour makes me feel very low and my self-esteem is affected. I feel worthless and my whole life feels like a sheer curse.Please help me get out of this situation and make my mother-in-law mend her behaviour towards me.Awaiting your response.
Ans:

Dear SS,

A story in many patriarchal households!

What can you do to change her and your husband’s attitude on this? Nothing at all.

It’s like a stubborn gene that wants to hold on to age-old beliefs where the mother-in-law rules the home and calls the shots, the son blindly supports his mother’s tantrums.

What can you do when your children also are growing up in this environment?

Here’s where you can put your foot down.

Your children have to learn to respect their mother for who she is. So, stop playing the victim in your situation and take charge.

I am sure the children are at an age where their minds are impressionable and can be beautifully shaped to accept different people in the household.

Instead of spending time cursing your situation, spend the same time being with your children, bonding with them.

Talk and spend a lot of time going out, watching TV, cooking, reading, listening to music and more.

What will start to happen is that the children will learn to hold space for you when you are down and out. And do take care that while you are bonding with them, never talk ill about their father or their grandmother.

This activity isn’t to distance one from the other but to give you a new way of thinking in the existing circumstances.

Having said this, if your husband is someday ready to talk to you about this, by all means be assertive.

Till then, it’s not necessary to suffer. Either you can fight and get fingers pointed back at you or you can negotiate a situation wisely to maintain the peace at home. You always have that choice.

Whatever you choose, never sit in silence and do nothing. That’s what your children will learn; to suffer in silence. So, time to make some subtle and meaningful changes?

Best wishes!

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Pooja

Pooja Khera  |21 Answers  |Ask -

Life, Relationship Coach - Answered on Apr 05, 2023

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I’m married for 14 years and have a 12 yr old son, both working. It was love marriage but before marriage explained me that leaving her ex from her college as it was not true love. After these 14 years, I came to know that they were having physical relation as well and the same hurt me very hard and couldn’t focus on anything and difficult to believe that with whom I spent 14 yr and still there is something can be hidden. Thats not all, on domestic issues whenever we have argument on household work/ expenses/ guiding son on studying etc, if she is not able to answer or didn’t like my response couldn’t control her anger, she tried to stangle me, beat me up, slapping, pour water/ hot tea on me, also not to mention abusing me in front of my son. Also many times she threatened to end her life by taking a knife in hand or by closing door to attempt hanging. That’s why bedroom & washroom door locks are broken in my house. Due to all these I left house twice in these years but due to her repeated apology and affection to my son I returned. Now I think all these are unbearable and need to take some step for resolution. Also as my son is old enough to understand all happenings don’t want ruin his life with all these nuisance. Humble request to advice as I’m under tremendous pain.
Ans: Violence in any form is unacceptable and alone th reason to walk out of the relationship. No one should ensure violence , disrespect or manipulation in any relationship and in your case there are all three of them. In my opinion, you should walk out of this marriage given your partner has proven there's no change at her end.

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Kanchan

Kanchan Rai  |512 Answers  |Ask -

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

Relationship
Hi I am a married man with 2.4 years old daughter and my wife regularly fights with me and puts an allegation on me and blames me a thief and says I take out all her things and she also abuses my mother and at present my mother is staying alone some where and says that my mother should not come back and she fights with me in front of my daughter and uses abusive language and what ever is the situation she brings my mother in between the conversation and starts blaming me. She has thrown her out of the house and always keeps on fighting. I have a fear, that she might leave me or my daughter as I cannot stay without my daughter and she keeps on saying that I do not want to stay with you and after a heated moment she turns normal and again starts abusing me and my mother, and due to this I am not able to concentrate on my job as I keep on thinking all the times about what will happen. Kindly suggest me what should I do as I do not want to keep my daughter’s future on risk as she always keeps on saying that her brother will take care of her and her brother says he will take a different house for her somewhere else and will keep her there as I would also want to highlight that her brothers wife relation is also not good and she does not allows my wife to enter into her house and my mother is law is also disturbed. Kindly suggest me a solution...?
Ans: Dear Amit,
First, recognize that you need to establish a calm and safe environment for your daughter. Witnessing regular fights and hearing abusive language can affect her emotional development. Ensuring her well-being should be your top priority. When disagreements arise, try to de-escalate the situation, even if that means temporarily walking away to avoid heated exchanges. Protecting her from these conflicts will help create a more stable atmosphere.

Your wife's behavior—shifting between anger and normalcy—indicates that there might be underlying issues driving her actions. It could be unresolved frustrations, unmet expectations, or even external stressors affecting her emotions. While her way of expressing these feelings is not constructive, it's important to find a way to understand what’s fueling her anger. Having an open, non-confrontational conversation during a calm moment can be a starting point. Express your concerns about the impact of these fights on your relationship and your daughter, and make it clear that you want to work together to find solutions.

It may also be helpful to involve a neutral third party, such as a counselor or family mediator. A professional can provide a safe space for both of you to express your grievances and work on resolving them constructively. It sounds like trust and respect have eroded in your relationship, and rebuilding them requires mutual effort and clear communication.

At the same time, focus on managing your stress and mental health. The constant worry about the future and your daughter's well-being is understandably affecting your ability to concentrate on work. Practice self-care through activities that help you stay grounded, whether it’s exercise, meditation, or speaking with a trusted friend or counselor about your feelings. Taking care of yourself will help you approach these challenges with a clearer mind.

If your wife continues to threaten to leave or involve her family in ways that disrupt your peace, it’s important to consider all legal and practical options to protect your rights and ensure the best for your daughter. Consult a legal advisor to understand your rights as a father and the steps you can take to secure your daughter’s future if separation becomes unavoidable.

Ultimately, resolving this situation will require patience, empathy, and, most importantly, a focus on what’s best for your child. If both you and your wife are willing to work on the relationship, there is hope for improvement. However, if the environment remains toxic despite your efforts, prioritizing your daughter's emotional and physical safety should guide your decisions moving forward.

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Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 12, 2024

Asked by Anonymous - Dec 10, 2024Hindi
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Relationship
Hi I am 50 yrs male married for last 20 yrs, facing domestic abuse mentally, physically from my wife, she is extremely aggressive and use foul language in front of our 13 yrs daughter, family members, friends, maid, driver... she is keep blaming me if anything went wrong be it is financial, Social and economical . She always blame my parents with very abusive language.. she always say negative things in front of my family members for all the things which went wrong due to her extraordinary aggressive and abusive behavior, she always make issues out of normal conversation.. she is also working. She doesn't talk and whenever i try to ignore her, she physically abusive and use foul language with me.. i am trying to adjust with her for the sake of my daughter future. She is very negative, if i try to help her, she will start shouting and use abusive language and start physically abusive towards me I don't know how deal with strange behavior... I am confused and worried, but due family, daughter and society i am tolerating her. Pls help and suggest best possible solutions
Ans: Dear Anonymous,
Has this started more recently or has it been going on for a while now? This is a good indicator to know if things were most;y like this or if any recent event has triggered this.
If it is a recent thing, I guess you could try and find out what exactly could have caused this. But if it is something that has been happening for a long time, the reasons could be any and many. Since there is also some physical abuse as you mentioned, kindly make an appointment with a professional who will be able to guide your wife through this challenging time. It possibly involves some unresolved things from the past which is making life currently difficult for all of you.
Work as a family unit together for her and not against her. It's going to make matters worse. She may refuse to go to a professional, then the only option left is for you to develop a lot of patience and deal with this adult to adult with her. No fights, quarrels with her but a lot of quiet conversations which she will initially resist but someday she will give in...So if you want the family to get back together in a healthy way, a lot also depends on how you are going to deal with the situation.

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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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Your financial situation requires a structured approach to ensure long-term security. You have multiple income sources, a property, investments, and financial commitments. A clear plan will help manage expenses, investments, and future goals effectively.

Income Sources and Stability
Salary – Rs. 1.15 lakh per month

This is your primary source of income.
It provides stability and helps with regular expenses.
Pension – Rs. 1.15 lakh per month (reducing to Rs. 90,000 after 10 years)

This is a strong financial support.
Future reduction needs to be considered in planning.
Rental Income – Rs. 14,000 per month

This adds to cash flow.
It helps with loan repayment or investment.
Total Monthly Income – Rs. 2.44 lakh (reducing to Rs. 2.19 lakh in 10 years)

This is a good financial position.
A structured approach is required for long-term financial stability.
Home Loan Repayment
Current EMI – Rs. 15,000 per month

The principal outstanding is Rs. 5 lakh.
The loan will be cleared in 20 months.
Should You Prepay?

Yes, if there is no prepayment penalty.
Clearing the loan early gives peace of mind.
It saves on interest costs.
Impact on Finances

Prepaying Rs. 5 lakh reduces financial burden.
Monthly expenses will reduce after the loan is cleared.
Term Insurance Decision
Premium – Rs. 1 lakh per year for 10 years

Term insurance is necessary for your daughter’s security.
Ensure the sum assured is adequate.
Is It the Right Amount?

The premium seems high.
Reassess whether a lower premium plan can provide sufficient coverage.
Living Arrangement and Rent Planning
Current Situation – Staying with Sister

This reduces expenses.
It provides emotional support.
Moving Out – Additional Rs. 25,000 Rent per Month

This will increase monthly costs.
Ensure rental expenses fit within your budget.
Alternative Approach

Consider staying for a while longer to save more.
Delay moving out until your home loan is cleared.
Investment Strategy for Rs. 40 Lakh
Debt and Fixed Income Allocation – 30-40%

Provides stability and liquidity.
Ensures emergency fund availability.
Equity Mutual Funds – 50-60%

Helps with long-term wealth creation.
Beats inflation over time.
Actively managed funds perform better than index funds.
Systematic Investment Plan (SIP) for Growth

Investing monthly ensures rupee cost averaging.
Builds a strong financial corpus over time.
Emergency Fund

Keep at least 6-12 months’ expenses in liquid assets.
Ensures financial security in case of unexpected events.
Managing Future Financial Stability
Reducing Pension in 10 Years

Plan investments to compensate for lower pension.
Build a corpus that generates passive income.
Retirement Planning

Ensure investments support post-retirement needs.
Avoid pension plans, as they often provide lower returns.
Daughter’s Education and Future

Ensure sufficient funds for higher education.
Create a separate investment plan for this goal.
Finally
Your financial position is strong, but structured planning is key. Clearing the home loan, investing wisely, and managing expenses will ensure financial stability. With a balanced investment approach, you can secure a comfortable future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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Sir, I would like to invest 70 lacs in Mutual funds. Also I would like to go for SWP on this amount for Rs 50000 per month. Please suggest a plan for investment
Ans: Your plan to invest Rs. 70 lakh in mutual funds and withdraw Rs. 50,000 per month through SWP is a smart approach. It allows for both capital appreciation and regular income. A well-structured plan will ensure financial stability and long-term wealth preservation.

Key Considerations for Your Investment
Balancing Growth and Stability
Your investment should generate long-term growth while providing stable monthly withdrawals.

Tax-Efficient Withdrawals
A Systematic Withdrawal Plan (SWP) should minimise tax impact while ensuring liquidity.

Inflation Protection
The investment should outpace inflation to maintain your purchasing power over time.

Risk Management
A mix of asset classes will provide stability during market fluctuations.

Asset Allocation Strategy
A well-diversified portfolio will help balance risk and returns.

Equity Mutual Funds – 40-50% Allocation

Ensures long-term capital growth.
Helps beat inflation over time.
Actively managed funds perform better than index funds.
Hybrid Mutual Funds – 20-30% Allocation

Provides a mix of equity and debt for balanced growth.
Ensures stability during market downturns.
Debt Mutual Funds – 20-30% Allocation

Provides steady income and capital preservation.
Reduces portfolio volatility.
Systematic Withdrawal Plan (SWP) Strategy
Start Withdrawals After One Year

Ensures long-term capital appreciation.
Avoids short-term capital gains tax.
Withdraw from Debt or Hybrid Funds First

Ensures equity portion continues to grow.
Reduces volatility risk.
Rebalance Portfolio Annually

Adjust allocations based on market conditions.
Ensure sustainability of monthly withdrawals.
Risk Management Measures
Emergency Fund

Maintain 6-12 months of expenses in liquid assets.
Avoids distress selling during market downturns.
Health Insurance

Ensure adequate coverage for medical emergencies.
Protects investment corpus from unexpected expenses.
Periodic Review

Monitor performance regularly.
Adjust allocations as needed.
Finally
Your investment approach should focus on long-term growth and financial security. A structured SWP strategy will provide stability while allowing your corpus to grow. With the right asset allocation and periodic rebalancing, you can achieve a stress-free and financially secure future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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Money
I am 45 years old and plan to retire in the next five years. My financial portfolio includes shares and mutual funds worth ₹65 lakh, a provident fund of ₹30 lakh, a PPF of ₹15 lakh, and gold valued at approximately ₹30 lakh. I also own a house in a metro city and earn ₹18 lakh per annum from my salary, along with ₹70,000 per year in agricultural income. My monthly expenses are around ₹1 lakh. My wife is a homemaker, and we have a child with autism. Given these factors, is my current financial position sufficient for a secure retirement in five years, considering future expenses, inflation, and my family's long-term needs? If not, what steps should I take to strengthen my financial plan?
Ans: You are in a strong financial position. However, with a child who has autism, future expenses may be higher than usual. A structured approach will help ensure financial security for your family.

Current Financial Position
Investments in shares and mutual funds: Rs. 65 lakh
Provident Fund (PF): Rs. 30 lakh
Public Provident Fund (PPF): Rs. 15 lakh
Gold holdings: Rs. 30 lakh
House ownership: Fully owned in a metro city
Annual salary income: Rs. 18 lakh
Agricultural income: Rs. 70,000 per year
Monthly expenses: Rs. 1 lakh
Your total liquid assets (excluding real estate) amount to Rs. 1.4 crore. This corpus needs to sustain you and your family after retirement.

Key Challenges
High monthly expenses: At Rs. 1 lakh per month, you need a large retirement corpus.
Inflation impact: Expenses will increase over time, requiring a growing income stream.
Child’s long-term care: Special care and education may be lifelong commitments.
Single earning member: Your wife is a homemaker, meaning the entire financial burden is on you.
Retirement Corpus Requirement
Your current expenses are Rs. 12 lakh per year. Post-retirement, expenses will continue and grow due to inflation. Assuming an increase of 6% annually, you will need a significant corpus to sustain your family for 30+ years.

Steps to Strengthen Your Financial Plan
1. Increase Investments for the Next 5 Years
Your surplus savings should go into investments.
Invest an additional amount monthly to build a larger corpus.
A mix of safe and high-growth investments will be ideal.
2. Create a Separate Health and Emergency Fund
Medical costs rise with age.
Allocate Rs. 25-30 lakh for medical emergencies.
Ensure adequate health insurance coverage for yourself, your wife, and your child.
3. Ensure a Dedicated Fund for Your Child’s Future
Set aside a separate corpus for your child's lifelong care.
A mix of fixed-income instruments and mutual funds will work best.
Consider setting up a trust or legal arrangement for long-term financial security.
4. Reduce Gold Holdings and Shift to More Liquid Investments
Gold is not an income-generating asset.
Convert some gold into investments that generate steady returns.
Use this amount to strengthen your retirement corpus.
5. Plan for a Reliable Passive Income Post-Retirement
Your portfolio should generate at least Rs. 1.2-1.5 lakh per month post-retirement.
Fixed-income investments should cover a large portion of your monthly expenses.
Dividend-paying funds and debt instruments will help balance stability and growth.
6. Review and Adjust Your Portfolio Annually
Track expenses and portfolio performance.
Adjust asset allocation based on market conditions.
Reduce risk gradually as you approach retirement.
Finally
Your current financial position is strong, but you need additional investments to sustain your post-retirement life. The next five years are crucial. Focus on disciplined savings, strategic investments, and ensuring long-term care for your child. With the right approach, you can achieve a financially secure and stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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Hi ,I am 33 yr old living in Mumbai in heavy deposit of 8 lac with 6k per month rent and my in hand salary is 63000 per month ,I cannot save money as my 30 k goes to home (rent,food n all) 30k goes to credit card bill. I have PPF account of 32 k and have a SIP account but zero balance in SIP e as earlier I used to invest in there due to debt I am not able to invest anymore. I don't have mediclaim. Main reason I cannot save is my wife as a home loan of 25000 per month and she is not working currently as a housewife for which I cannot save. Kindly suggest how to overcome debt as every month I couldn't save any penny.
Ans: Your total in-hand salary is Rs. 63,000 per month.
Rs. 30,000 goes toward rent, food, and other household expenses.
Rs. 30,000 is paid toward credit card bills.
Your wife's home loan EMI is Rs. 25,000 per month.
No savings are possible due to high fixed expenses.
You have Rs. 32,000 in PPF but no active SIP.
You do not have health insurance.
Immediate Steps to Overcome Debt
1. Prioritise Debt Repayment

Stop using credit cards immediately.
Pay more than the minimum due on your credit card each month.
If possible, convert outstanding dues into an EMI to reduce interest.
Avoid taking further loans or using credit cards for daily expenses.
2. Restructure Household Budget

Reduce discretionary spending such as dining out, subscriptions, and luxury expenses.
Identify ways to cut rent or household costs.
Explore shifting to a slightly lower rental home to save a few thousand per month.
Control grocery, electricity, and entertainment expenses.
3. Increase Cash Flow

Your wife should consider part-time, freelance, or online work.
Even Rs. 15,000–20,000 per month from her side can help manage EMIs.
Sell any non-essential assets like gold, old electronics, or other valuables to clear some debt.
Building Financial Stability
1. Create an Emergency Fund

Set aside at least Rs. 10,000 monthly once debt is under control.
Keep 3–6 months of expenses in a savings account or liquid fund.
2. Restart Investments

Once debt is manageable, restart SIPs in mutual funds for long-term wealth creation.
Prioritise tax-saving options like PPF and ELSS once your financial situation improves.
3. Get Health Insurance

Buy a health insurance policy of at least Rs. 5–10 lakh for you and your wife.
This will prevent future medical emergencies from becoming financial burdens.
Final Insights
Your biggest challenge is high fixed expenses and credit card debt.
Cutting expenses and increasing household income can help reduce financial pressure.
Once debts are under control, focus on savings and investments.
Health insurance is a must to avoid unexpected medical costs.
Implementing these steps consistently will help you achieve financial stability over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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I save approx 90 thousand INR per month. Where should I invest it. I don't want to keep it saving account. This I save after monthly SIP of 30000. Please advice.
Ans: You already invest Rs 30,000 per month in SIPs.

You save Rs 90,000 per month after SIPs.

You want better returns than a savings account.

A clear investment plan will help in long-term wealth creation.

Key Factors Before Investing
Emergency Fund
Keep at least six months of expenses in liquid funds.

This ensures financial security in case of emergencies.

Short-Term Needs
Identify any expenses in the next 3 to 5 years.

Use safer instruments for short-term goals.

Long-Term Growth
Invest for wealth creation.

Balance between equity and debt based on risk appetite.

Investment Allocation for Rs 90,000 Per Month
1. Equity Mutual Funds (Rs 50,000 per month)
Invest in actively managed equity mutual funds.

Diversify across large-cap, mid-cap, and flexi-cap funds.

This ensures long-term capital appreciation.

2. Debt Mutual Funds (Rs 20,000 per month)
Provides stability and diversification.

Useful for balancing equity risk.

Ideal for short-term needs.

3. Gold Investment (Rs 10,000 per month)
Gold helps in diversification.

Protects against inflation.

Invest in gold ETFs or sovereign gold bonds.

4. Fixed Income Instruments (Rs 10,000 per month)
Use PPF or fixed deposits for stability.

PPF is tax-free and offers long-term benefits.

Fixed deposits provide liquidity and security.

Additional Investment Considerations
Increase SIP Contributions
If your income increases, raise your SIPs.

This ensures long-term wealth growth.

Avoid Unnecessary Risks
Do not invest in stocks without research.

Avoid high-risk derivative trading.

Review Your Investments Regularly
Monitor your portfolio every six months.

Rebalance based on market conditions.

Final Insights
Invest based on goals and time horizon.

Equity for long-term growth, debt for stability.

Gold provides inflation protection.

A balanced approach ensures financial security.

Regular reviews improve investment efficiency.

A structured investment plan will help you grow wealth efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |7752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 01, 2025

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HELLO SIR, SOME PEOPLE TAKE LOANS AGAINST MUTUAL FUNDS AND INVEST IN THE STOCK MARKET OR AGAIN IN MUTUAL FUNDS SO WHAT DO YOU THINK ABOUT IT? THANKS.
Ans: Taking a loan against mutual funds and investing in stocks or mutual funds is risky. It can amplify gains, but it also increases losses. A structured approach is necessary before considering such a move.

Understanding Loan Against Mutual Funds
A loan against mutual funds allows borrowing against existing investments.

The lender provides funds based on the fund’s value.

Interest is charged on the borrowed amount.

The loan amount depends on the type of mutual fund.

Equity funds get a lower loan amount due to volatility.

Debt funds get a higher loan amount due to stability.

Key Risks of This Strategy
Market Risk
If markets fall, the value of mutual funds decreases.

The lender may ask for additional funds.

If unable to pay, the lender may sell mutual fund units.

Interest Burden
Interest charges reduce overall returns.

If investments do not perform well, losses increase.

Returns must be higher than the loan interest to make gains.

Liquidity Issues
Mutual funds remain pledged with the lender.

In an emergency, withdrawal is not possible.

This creates financial stress.

Compounding of Losses
Borrowing to invest increases risks.

If new investments lose value, losses multiply.

Debt burden increases if market returns are negative.

Potential Benefits (Only If Used Carefully)
Can provide liquidity without selling investments.

May work if investments give higher returns than loan interest.

Useful if markets are at a strong growth phase.

Suitable for short-term liquidity needs if repayment is quick.

Alternative and Safer Approaches
Use Emergency Fund Instead of a Loan
Always keep at least six months’ expenses as an emergency fund.

This avoids unnecessary borrowing.

Avoid Borrowing for Stock Market Investments
Investing with borrowed money is risky.

A market downturn can wipe out capital.

Never invest with money that is not owned.

Increase SIP Instead of Taking a Loan
A disciplined SIP approach creates wealth.

It avoids unnecessary interest payments.

Long-term investing in equity mutual funds provides better risk-adjusted returns.

Who Should Completely Avoid This Strategy?
Investors with no stable income.

Those with existing high-interest loans.

People without an emergency fund.

Investors with low risk tolerance.

Those new to stock markets or mutual funds.

Final Insights
Borrowing against mutual funds is a high-risk strategy.

Interest costs can reduce or wipe out potential gains.

It is only suitable for short-term liquidity needs.

Safer investment approaches provide better financial stability.

Building wealth through consistent savings and investing is a better strategy.

Avoid unnecessary risks and focus on sustainable wealth creation.

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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