Dear Love Guru,
I am 50 years divorced man in relation with a 42 years divorced women.
We have known to each other for the last 7 years, but only for the 8/9 months we have committed to each other. We intend to marry. But she insists for 40 lakh money and 1 flat in her name. Then only will see agree to marry.
She says if not given she will marry another guy who will meet her requirements. I am so much in love that I am thinking of giving her demands and marry her.  But the real problem is, she has many male friends with whom she regularly chats over watsup and messanger. She also goes for dinner with some friends. 
Secondly, whenever we go to any group parties (her known) she flirt around with male friends, like taking pictures holding each other, dancing closely together etc. I after ask her dance with me or take snaps with me, she just avoids.
I have seen many male friends of her touching her bump or cheeks or holding her waists, she never objects. But when I try to do the same, she objects saying what people will think etc.
She tries to stay away from me during the parties. I constantly remind her to stay with me, she says not to be so possessive and allow her some space. 
Previously we had sex once a month for 5/6 months, but for the last 3 months she has totally stopped having sex, she says will do it only after marriage. Whenever we had sex, she didnt seems to participate, she just tells me to finish off fast. 
Again, I am only one who telephones her every night for talking. She never calls me. Throughout the day she never calls and rarely chats with me.
After I propose or insists, we meet once in 10 days. she always prefers to meet in group of friends. With me she talks quite ok, but in group she becomes very lively and active.
I am confused whether to proceed for marriage by fulfilling her demands. What if after marriage she repeats the same flirteous nature and not so committed towards me.
Please advice and help.
Regards.

Ans: No, receipt of amount as loan is not an income.

Ans: Namaste
Aapka last dant bachane layak hai ki nahi woh pehle dekhna padega.
Last ka dant bachana aksar mushkil hota hai kyon ki hamari drilling machine wahan tak aasani se pohochti nahi.
Agar bachana mumkin hai to dant ko avashya bachane ki koshish Karni chahiye.
Agar na mumkin hai toh usko nikalva lijiye

Ans: Hello;

You may calculate it yourself based on this formula:

EPS Monthly Pension = (Pensionable salary x Pensionable Service)÷70

Where pensionable salary is your average monthly salary(Max 15 K) during past 60 months before you exit EPS.

Pensionable service is period in number of years during which you contributed to the EPS.

Best wishes;

Ans: Hello;

Request you to provide complete information of your previous job history to advise suitably.

Thanks;

Ans: Hello;

I do not know your allocation to the ulip funds but it is giving you an XIRR of around 9.5% which is good(tax free).

Also the maturity proceeds of your ulip investment won't invoke any LTCG tax.

You may review the choice of funds in ulip plan with your insurance advisor.

I recommend you to continue with this investment alongwith other investments.

Best wishes;
X: @mars_invest

Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ans: Hello;

1. Gold(precious metals) is considered a relatively stable asset class having a negative correlation with equities. So it is advisable to have 10-15% allocation to Gold in your portfolio preferably through SGBs or gold mutual funds.


2. PPF is a social security scheme designed for people not covered under EPF/GPF. Ofcourse anybody can invest in it.

It's an E-E-E type of scheme. Tax exempt at the stage of investment (1.5 L max in a FY), interest earned and withdrawal.

Tax free and risk free 7.1% return is quite decent. Also since it's a social security scheme if suppose it's investor goes bankrupt even in that case the creditors cannot touch PPF money for recovery.

Having said this, it is your choice whether to invest in them or somewhere else.

Best wishes;
X: @mars_invest

Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Get a urologist to see you