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No physical intimacy after 5 years of marriage: How to cope?

Kanchan

Kanchan Rai  |507 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 26, 2025

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 - Jan 26, 2025Hindi
Relationship

He ma'am, Me and my husband are of same age 35 and its been 5yrs we got married but we don't have physical relationship at all my husband says we don't have intimacy, I forced home to visit doctor and the blood reports says all okay, as per his saying cause I don't understand the medical terms much....but if everything is okay medically still he never tries to come closer earlier we tried but he use stop in between before having sex and run to washroom and sit there for long ...and this was becoming mystry for me,bi asked him he said everything is fine it will take time and everything will be fine earlier he use to use washroom for long but now he does not .....in expectation that things will become better I wasted my 5 yrs. As a person he is good but as a husband he is lacks i wated my carrier as I am not getting any job in perticular city, and with is I started feeling useless as I had dreamt of living peaceful and happy life with him but everything went wrong no love, no emotional support, no physical intimacy no carrier nothing. I shared this with my mother in law as he was behind me for baby so one day I told her that we don't have physical relationship so please don't expect baby he didn't believe me but later on she started believing but she didn't take any action she is quite...how will I survive in this environment when I don't have reason to live...my husband support my family financially and because of that I not able to take any step..I feel suffocated at my in-laws place, I don't like to stay there he just makes me happy by shopping, watching movies that it but is this enough for the happy relationship. I was so friendly with him that I said that let me know what there in your mind you don't like me he said no I like you...then I asked him then why you don't want to get physical I started getting self-doubt on myself, he said you don't respond while sex but you tell me in 5 years we hardly tried 6-7 time and I responded him but he use to run to washroom in mid of play what would I do then I tried giving him hints for having sex but he use to ignore now you say that in 5 yrs of period we didn't has sex then don't you think there's major issue and when I say we should visit doctor then he says I have medical proof that I am physically fine... coming on my MIL part she used our bedroom toilet though we have 2 washroom out is western so she uses ours so there is no privacy our bedroom is never locked because of my MIL when I Iock my husband gets early in morning and open the lock for my MI, please tell me is this right every now and then she comes in our room and interfere in our conversation, her this behaviour feels like she is insecure about his son as FIL is more...I discuss with my husband that atleast we should have our privacy so he says yes but take no action...he does commitment but never fulfills...basic expectations I have from him that if not physical then atleast spent time with me, let's go and explore place he says yes but never go, I agreed on every point I lived according to my MIL she is selfish instead of knowing all problem she just want fasting for his son, making food what he likes, doing puja for his son success...you tell me in return I am not getting anything still I kept on doing my best to prove best bshu and best wife but no good change... I going through anxiety, stress, depression because of this I lost my confidence, no carrier nothing....now I decided to look for job in other city and thing for my mental peace and become independent because staying with him in 5 yrs didn't bring good changes instead I lost myself in my making them happy...what should I do please help ...he say that I don't want weekend wife now you tell me why I not think of myself now he says, I want to stay with you but if there is not change after so many try then it's useless he always says will work this out but it never happened, I tried my best.now I said will look for job in other city and will meet in weekend spend time together, and I will be there in all your worst situation. But now I can be jobless and asking for money everytime from him....he thinks money is the solution for all.He says no weekend wife how long this will work then but he is not giving me any choice, he says though I want to stay with you but if weekend wife the seperation is only option no divorce but seperation please guide *regarding physical relationship, *regarding my MIL interference despite of knowing everything, no privacy, her insecurity *And my decision of taking job in other as I am not getting opportunity in same city, staying together is also brings no change. Pls suggest.

Ans: The issue with the lack of physical intimacy is not simply about the act itself; it represents a disconnect in your relationship. Your husband's avoidance of intimacy and his reluctance to fully address the matter, despite your efforts, suggest deeper underlying challenges—perhaps emotional, psychological, or situational. While you’ve already taken steps by opening conversations, it’s clear that progress has stalled because this isn’t something you can resolve on your own. A professional intervention, such as couples therapy or sex therapy, could provide a neutral ground to explore these concerns. Presenting this option to him as an opportunity to strengthen the relationship rather than assign blame might help him feel less defensive. However, his willingness to engage will be a critical measure of his commitment to addressing these long-standing issues.

The lack of boundaries with your mother-in-law is another significant stressor that’s undermining your marriage and your mental peace. A healthy relationship requires a sense of security and privacy, which has been compromised by her interference. While it’s natural to want to maintain respect within a family, your husband’s inability or unwillingness to enforce boundaries is enabling a dynamic where you feel powerless and overlooked. The fact that you’ve expressed your concerns and seen no action suggests that waiting for change may not lead anywhere. You need to clearly communicate to your husband that privacy is not negotiable for the survival of your relationship. If he continues to prioritize his mother’s comfort over your peace, it will remain a barrier to the intimacy and connection you’re seeking.

The decision to pursue a job in another city reflects your need to reclaim control over your life and mental well-being. This isn’t just about financial independence—it’s about rediscovering your sense of purpose and confidence after years of feeling stuck. Your husband’s opposition to the idea of a “weekend wife” underscores his resistance to change, but his reluctance to address the core issues in the relationship leaves you with no alternative. Staying in this environment without progress will only deepen your feelings of suffocation and self-doubt. Choosing to prioritize your career is not a failure of the relationship; it’s a necessary step to protect your own mental health. You’ve already demonstrated immense patience and effort over the past five years, and now it’s time to invest in yourself.

As a coach, I would encourage you to focus on actionable steps: seeking therapy for clarity, setting non-negotiable boundaries with your husband regarding privacy and mutual respect, and pursuing your professional goals with confidence. By stepping into a space where you feel empowered, you’ll be in a better position to assess whether this relationship can evolve into the partnership you deserve. It’s important to remember that you’re not walking away from the marriage by making these decisions—you’re simply ensuring that your needs and well-being are no longer sidelined.

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Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 06, 2024
Relationship
Hi Anu, i am 34 year old woman married to a 41 year old man. We are married for past 10 years. We had no sexual relationship for first 5 years, after lot of pestering and fights and realisation that there must a physical problem at my husband’s end i convinced him to visit an expert in this domain. Turns out he had low testosterone level. He took the necessary medication and i really tried for 1 year to make it work. It worked to a certain extent but it was more like a chore than something we really want to do. Then we decided that we should go for a baby as well while we are at it. Now my daughter is 2.5. Things never got better. We don’t talk about our lack of any intimacy physical or mental. We are living like roommates. He is the best husband a person can ask for on paper. My parents love him. He is the nicest guy. But in reality we never had any connection and no comparability. And whatever attraction and love i had for him in the beginning is lost completely. I have no idea what goes on his mind. He is a closed book i could never open. He accepts the problem but blames me too if i force him to open up. I am in such a bad place mentally. I keep thinking about the one life i got, i wasted it. Why did i get married so soon? I like someone in office who i have no future with because he is in some other country. I do not know what to do and how to live my life. I get thoughts that life should not be so long.
Ans: Dear Anonymous,
A case where the person shuts down because he carries the guilt of what is happening to him and what he is facing...not a very useful way of dealing with the situation but when society has drummed it into us that a 'man' is defined by his masculine traits and behaviors, can you blame him for it?
He is possibly embarrassed and this could be a reason for him 'closing down' within the marriage. He needs to be slowly cajoled out of what he is feeling...What the two of you could do is: start the marriage as though it is Day One...
Now, how would the two of you connect? How would things be different?
It is an attempt to reconnect with no past baggage which helps in focusing on each other in the present day. That helps in making good solid commitments to one another but of course, there has to be a lot of communication in this process. Do take the help of a professional if this feels too much to go through by yourselves.
And as for the colleague; hmmmm grass on the other side will always seem greener!

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

..Read more

Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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

..Read more

Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 20, 2025

Asked by Anonymous - Jan 13, 2025
Relationship
Hello Ma'am, I am 35 yrs old, it's been 5yrs since I got married, and I am not happy in my marriage. We don't have any kind of physical relationship since we git married, I always tried getting closed with hime but he for some or the other reason didn't let me get close... and I really don't know the reason why, I have been craving for his touch,love and emotions but he is least interested otherwise he holds me and sleep take care of me my needs but when it comes about physical it's zero between us. Since I got married our bedroom door is always open I told him mannier time about privacy after so long he started closing the door that also after my MIL get asleep (FIL passed away when he was 20) and he gets up early in morning and open the door for MIL so that she can use our washroom though we have in all 2 washroom but she wants to use only the western one which is in out bedroom so evry now and then she come in our room randomly also so privacy is zero she always get interfere with some or the other topics whenever me and my husband talks so I don't get chance to have normal conversation with my husband, so coming back or physical relation I had to discuss late night with my husband because of my MIL I have discussed with him and asked him in a very friendly manner that what would be the cause that you don't want to get physical, is there any one you like it's fine just let me know so that I get away between you both rather then wasting time but he said No theirs no such problems he said it's just we don't have that intimacy between us...he dragged me that I also don't have that intimacy which is wrong I have tried getting closer but he didn't allowed me at start we use to try but before somthing start he use to go to washroom and sit for long n I use to wait and sleep I thought it will get improve but it been 5 yrs and we are on same page he is good person he he supports me financially and also helped my family in worse situation he thinks for all problem money is the solution, he says physical is not that important part of relationship. I use to be independent but then I left my job because it was night shift and I could not manage household chores and night job because I didn't get help I couldn't get proper sleep I was facing health issues..I thought I will work on my relationship because it's very stressful and depressive I am not able to sleep I feel suffocated, I feel like running away due to this in between I always go to my moms place for some time cause I feel like m not valued at my In laws place no physical relationship nothing so for what i am leaving there? I am getting habitat with the relationship situation I can leave with him without physical need but not with my mother in law I have shared my problem with her as well as she was behind me for baby planning but she is not taking any action knowing the situation she is quite she asked to my husband that what's going on I got to know from your wife that you both don't have physical relationship what's the problem, my husband reply ye we don't have don't ask for baby and harras her or me, that it. So my MIL is also quite now. I am looking for job again as I want to be independent I don't like to ask for money everytime and also fulfill my dreams and needs on my own but My MIL wants me to see for local job but m not getting in the sam city and what is the need to stay in same city where every one just want me to stay just to show fake that we are married and happy, my MIL wants every puja and vrat for his son to be done by me, after knowing my situation I am so depressed I don't have now any interest in doing these rituals now, I live the in a control way, my husband just think doing shopping, watching movies, savings is enough for happy relationship. Please guide me what should I do is leaving with him is worth.and I cannot leave with my MIN as she is very insecure mother everytime she wants his son to listen her.please tell me should I live with him is their any hope or what would be the solution I am looking for job in other city now cause till these time I just thought of him and wasted my career. Please suggest. Thanks for your time.
Ans: Dear Anonymous,
You cannot wish your mother-in-law away and I can tell you why.
Your husband and she share a very close and perhaps unhealthy bond which has started to dictate the way he thinks and does things.
Now coming to your husband:
Either
- he is physically unable to have sex (certain physical issues, impotency)
OR
- he is emotionally unable to connect with you (his bond with his mother is hampering his relationship with you)
OR
- he is dissociated from family and life in general (this could be a challenge coming from the mind)
OR
a combination of any of the above.

Now, focus on these if you wish to put your marriage back together as taking up a job is just you running away from it all. Once you are back home, it's the same issue that will stare back at you.
Your chats with your husband can be less about your MIL and more about him and his 'sitting' for a long time in the bathroom. Should that not be a red flag for you? Address this and either he will express anger over being questioned or he will avoid even meeting eyes with you. Either case, you will surely get an idea as to what is going on...

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

..Read more

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Asked by Anonymous - Jan 27, 2025Hindi
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Hello, My age is 37. Married with one kid of 8 years old, spouse is a house wife. Can I retire at 40. These are my current savings - Own house in Blore - FD of 1 cr - MF of 25 lacs - Term Insurance Life 1 cr - Health Insurance for family 1 cr - Endowment Life- 25 lacs, maturity at the age of 45 - PPF- 30 lacs - PF- 55 lacs - Govt Bonds- 10 lacs
Ans: At age 37, your financial foundation is robust with diversified savings and assets.

Your own house in Bangalore eliminates housing costs post-retirement.

Fixed Deposits (FD) of Rs. 1 crore provide safety and liquidity.

Mutual Fund (MF) investments of Rs. 25 lakh add growth potential.

Life term insurance of Rs. 1 crore ensures family financial security.

Comprehensive health insurance of Rs. 1 crore is a valuable safeguard.

Endowment life policy worth Rs. 25 lakh matures at age 45, adding a future corpus.

PPF corpus of Rs. 30 lakh is tax-efficient and offers long-term stability.

PF corpus of Rs. 55 lakh acts as a strong retirement fund backbone.

Government bonds of Rs. 10 lakh provide safety and predictable returns.

Key Considerations for Early Retirement
Retirement Corpus Requirement
Determine post-retirement expenses, including lifestyle, healthcare, and your child’s education.

Inflation impacts future costs; a higher corpus is needed to maintain your lifestyle.

Plan for 40+ years of retirement, assuming life expectancy of 80 years.

Current Savings Evaluation
Your combined corpus (Rs. 2.45 crore excluding endowment maturity) is a great starting point.

Fixed Deposits and government bonds offer stability but limited growth.

Mutual funds provide growth but must be increased for early retirement.

PPF and PF provide long-term security but lack immediate liquidity.

Steps to Prepare for Retirement at 40
Increase Growth-Oriented Investments
Reallocate 20% to 30% of Fixed Deposit funds to equity mutual funds for long-term growth.

Actively managed mutual funds outperform index funds through professional expertise.

Use regular funds through a Certified Financial Planner for proper portfolio management.

Build a Balanced Portfolio
Retain 20% to 30% of your portfolio in debt instruments like bonds and PPF.

Maintain liquidity with 6-12 months of expenses in liquid funds or short-term FDs.

Allocate 5% to 10% in gold or gold ETFs for diversification and inflation hedge.

Utilise Endowment Policy Maturity
On maturity of the endowment policy at age 45, reinvest in mutual funds for better returns.

Avoid renewing the policy, as investment-oriented insurance plans have lower returns.

Maximise Child’s Education Fund
Create a dedicated fund for your child’s higher education and marriage.

Use equity mutual funds to build a corpus over the next 10 to 15 years.

Regularly step up SIP contributions based on future income or savings.

Protect Against Inflation
Ensure your retirement corpus grows above inflation to sustain purchasing power.

Equity investments help in compounding wealth over the long term.

Periodically review your portfolio to adjust for inflation and market changes.

Income Sources Post-Retirement
Withdraw from Investments Strategically
Use the PPF and PF corpus for the first 10-15 years of retirement.

Systematically withdraw from equity mutual funds after achieving long-term growth.

Liquidate government bonds as needed, based on financial requirements.

Generate Passive Income
Explore part-time consulting or freelancing opportunities for additional income.

Consider renting out a portion of your house for consistent rental income.

Tax Considerations
Plan Investment Withdrawals
Equity mutual funds’ LTCG above Rs. 1.25 lakh will attract 12.5% tax.

Short-term capital gains from mutual funds are taxed at 20%.

Plan withdrawals in a tax-efficient manner to reduce tax liability.

Maximise Deductions
Continue contributions to PPF and avail deductions under Section 80C.

Claim tax benefits on medical insurance premiums under Section 80D.

Addressing Health and Emergencies
Insurance Coverage
Review health insurance coverage annually to ensure adequacy.

Consider a super top-up plan for additional coverage if healthcare costs rise.

Emergency Fund
Keep 6-12 months of expenses in a savings account or liquid funds.

This safeguards against unexpected situations without liquidating investments.

Final Insights
Retiring at 40 is achievable with your current financial discipline and resources.

Shift a portion of your stable assets to growth-oriented investments like mutual funds.

Plan for inflation, healthcare, and your child’s future while building your retirement corpus.

Ensure portfolio diversification for balanced growth and stability.

Reassess financial goals regularly with a Certified Financial Planner for alignment.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam Kalirajan  |7641 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi
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I am 31 year old married no child (will plan for 1) live in pune current CTC 16lpa , 1 crore value of current flat 30 lakhs loan 35k EMI, two flat on rent 25k and 12k , and a house which we have kept empty, all the finances in banks currently at around 1.1cr (my dad and mine) lakhs when can I retire
Ans: At 31, you have built a strong financial foundation with Rs. 1.1 crore savings.

Your current flat has a value of Rs. 1 crore with a manageable Rs. 30 lakh loan.

Two rental properties generate a monthly income of Rs. 37,000 (Rs. 25,000 + Rs. 12,000).

You also own a house kept vacant, which can become a future asset or provide rental income.

Assessing Retirement Readiness
Income and Expenses
Your CTC of Rs. 16 lakh annually provides a steady base for savings and investments.

A monthly EMI of Rs. 35,000 is manageable within your current income.

Combined rental income of Rs. 37,000 offsets a significant portion of your EMI.

With planned expenses for a child in the future, your financial priorities will shift.

Existing Assets and Investments
Bank savings of Rs. 1.1 crore offer immediate liquidity but are underutilised.

Rental properties provide recurring income but require long-term maintenance.

Your current property portfolio ensures some stability but lacks growth potential.

Planning for Early Retirement
Define Your Retirement Goals
Decide on the desired retirement age.

Consider post-retirement expenses, including lifestyle, healthcare, and child’s education.

Account for inflation to maintain purchasing power in retirement.

Invest for Growth
Relying solely on bank savings and rental income won’t sustain early retirement.

Start investing 50% to 60% of your surplus in equity mutual funds for long-term growth.

Equity mutual funds outperform index funds through active fund management and flexibility.

Use regular funds via a Certified Financial Planner for goal-based portfolio management.

Ensure Portfolio Diversification
Retain 20% to 30% of your investments in debt funds or PPF for stability.

Debt funds offer better liquidity and returns compared to fixed deposits.

Allocate a small percentage to gold or gold ETFs for risk mitigation.

Build Retirement Corpus
Use rental income and surplus salary to step up SIP contributions.

Target a retirement corpus sufficient for 30+ years without active income.

Reassess goals annually with a Certified Financial Planner to stay on track.

Managing Rental Properties
Optimise Rental Income
Consider renting out the vacant house to boost monthly cash flow.

Use rental income to prepay your home loan and reduce liabilities.

Keep Maintenance Costs in Check
Factor in maintenance expenses and property taxes for all properties.

Regular maintenance ensures better tenant retention and higher rental income.

Protecting Your Future
Insurance Coverage
Take adequate term insurance to secure your family’s future.

Ensure health insurance coverage for yourself, your spouse, and your future child.

Review policies annually to match your needs and rising healthcare costs.

Emergency Fund Management
Maintain six months’ expenses, including EMIs, in liquid funds or bank accounts.

This ensures financial security during unexpected situations like job loss.

Tax Optimisation
Rental income is taxable under income tax laws. Claim permissible deductions like property tax.

Plan your investments to maximise tax benefits under Section 80C.

Use long-term capital gains (LTCG) exemption of Rs. 1.25 lakh on equity mutual funds annually.

Action Plan for Early Retirement
Start by reallocating a portion of your Rs. 1.1 crore savings into mutual funds.

Focus on a balanced portfolio with equity, debt, and gold for diverse returns.

Prepay the home loan using rental income and part of your surplus savings.

Step up your SIP contributions to match future income increments.

Regularly review your portfolio for rebalancing based on market performance.

Addressing Child-Related Goals
Plan for Child’s Education
Start separate investments for the child’s higher education as soon as possible.

Use long-term equity mutual funds for this goal to combat inflation.

Create a Child-Specific Fund
Allocate a fixed portion of your savings towards a child-specific fund.

This fund can cover major expenses like education and marriage in the future.

Final Insights
You have laid a strong financial foundation with stable income and valuable assets.

Early retirement is achievable with disciplined investments and portfolio management.

Focus on reallocating underutilised bank savings into growth-oriented investments.

Optimise rental income, prepay your loan, and prioritise child-specific goals.

Professional guidance will ensure your investments align with your life goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7641 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi
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Money
Planning for Kids Education and Retrirement Hello Sir Me (36 Year) and my wife (34 year) old are having 2 kids. First one is 2.6 month and second one is just born. We have a monthly income of 3lakhs rupees and monthly expenses below. 1. 85000 house loan EMI with a tenure of 6 years 2. 30000 SIP started from this month 3. 25000 PPF monthly 4. 1 lakh monthly expense we live with our parents - we are living in Bangalore 5. Remaining we keep it as a emergency fund Savings: 1. Together we have PPF of 25 lakhs – we are doing it from last 6 years 2. FD of 20 lakhs I want to retire by age of 50. 14 Years from now. Please suggest how to achieve my retirement and both kids settlement. Thank you.
Ans: Your combined income of Rs. 3 lakhs is a strong foundation.

You manage Rs. 85,000 EMI for a home loan with six years left.

Rs. 30,000 monthly SIPs and Rs. 25,000 PPF contributions reflect disciplined investing.

Rs. 1 lakh for living expenses is reasonable, especially in Bangalore.

Your FD of Rs. 20 lakhs and PPF corpus of Rs. 25 lakhs add to financial security.

Assessing Your Goals
Retirement in 14 Years
Retiring by 50 requires a significant corpus for 30+ years of post-retirement.

Accounting for inflation and rising expenses, you need aggressive savings and investments.

Kids’ Education and Settlement
Both children will need education funding in approximately 15 and 18 years.

Planning early ensures inflation does not disrupt their education goals.

Optimising Debt Management
Focus on prepaying your home loan within the next three to four years.

Use any annual bonuses, FD interest, or surplus funds for prepayments.

Clearing this EMI will free up Rs. 85,000 for further investments.

Strengthening Emergency Fund
Allocate six months’ expenses, including EMIs, in liquid funds or savings accounts.

Keep this fund separate from your investments for financial emergencies.

Investment Strategy for Retirement
1. Equity-Focused Growth
Allocate 60% of your investments towards equity mutual funds for high growth potential.

Actively managed funds provide better returns than index funds due to active oversight.

Invest through a Certified Financial Planner for consistent reviews and fund optimisation.

2. Balanced Allocation
Use 30% of your surplus for balanced or hybrid funds for stability and moderate growth.

These funds balance risk and returns and suit medium-term goals like pre-retirement.

3. Debt Instruments for Security
Retain PPF contributions as it offers risk-free, tax-free returns for retirement.

Diversify into short-term debt funds for liquidity and better returns than FDs.

Planning for Kids’ Education
Start separate investments for your children’s education goals.

Allocate 50% of your SIPs to child-specific goals with a 15-18 year horizon.

Use equity funds for long-term growth to beat education cost inflation.

Maintain a small portion in debt funds for liquidity near the education milestone.

Tax Optimisation
Use Section 80C benefits with your PPF and insurance premium contributions.

Minimise tax on equity fund withdrawals by staying below Rs. 1.25 lakh LTCG annually.

Debt fund gains should align with your income tax slab to optimise taxes.

Additional Suggestions
1. Insurance Coverage
Ensure adequate term life insurance for both you and your wife.

This safeguards your children’s future in case of unexpected events.

Review health insurance coverage for your family and parents regularly.

2. Automate Investments
Automate your SIPs and PPF contributions to maintain consistency.

Use step-up SIPs to increase contributions as your income grows.

3. Education Loans
For higher education, consider loans to reduce the strain on your retirement corpus.

This also builds financial responsibility for your children.

4. Review Investments Annually
Align your portfolio to your risk tolerance and goal timelines regularly.

Use the expertise of a Certified Financial Planner for optimal rebalancing.

Final Insights
Your disciplined savings and investments are a strong foundation.

Focus on clearing your home loan early to increase investable surplus.

Prioritise separate investments for kids’ education using equity-based strategies.

Strengthen your retirement portfolio by allocating towards equity and balanced funds.

Maintain liquidity through a robust emergency fund and short-term debt instruments.

Regular reviews and professional guidance will ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7641 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

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I'm 26. 2.5L in hand monthly income. I have 15L in equity+mf, 2L in FD, 50k NPS, 4.5L PPF, 80k Gold. Home loan emi 30k, car loan 20k. Rent 33k. Other expenses roughly 50k. What lind of savings and investments can you suggest so I can retire by the age of 35. Thank you!
Ans: At 26, you are at an excellent stage to focus on financial growth.

Your Rs. 15 lakh in equity and mutual funds is a great start.

You also have Rs. 2 lakh in FD, Rs. 50,000 in NPS, Rs. 4.5 lakh in PPF, and Rs. 80,000 in gold.

Your total monthly expenses, including EMIs and rent, are Rs. 1.33 lakh, leaving Rs. 1.17 lakh surplus.

Your home loan EMI of Rs. 30,000 and car loan EMI of Rs. 20,000 are manageable for now.

Assessing Retirement at 35
Retiring at 35 means a shorter investment window and longer retirement period.

You need a significant corpus to sustain your post-retirement lifestyle for 50+ years.

Maximising savings and investing aggressively is crucial to achieving this goal.

Focus on Clearing Debt Early
Home and car loans reduce your cash flow and increase financial stress.

Pay off the car loan early as it has a shorter tenure and higher interest rates.

For the home loan, prepay 10-20% annually to reduce your overall tenure and interest burden.

Use bonuses or savings to make these prepayments while maintaining investments.

Building a Comprehensive Savings and Investment Plan
1. Increase Investments Aggressively
Direct a major portion of your surplus Rs. 1.17 lakh towards investments.

Allocate 70% of your surplus to equity mutual funds for high growth potential.

Use actively managed funds for better returns compared to index funds.

Invest through a Certified Financial Planner to optimise fund selection and portfolio reviews.

2. Diversify for Stability
Allocate 20% of your surplus to debt funds or short-term corporate bond funds.

These funds provide stability and liquidity for medium-term goals.

Continue contributing Rs. 50,000 annually to your NPS for long-term benefits.

Increase your PPF contributions if possible, as it offers tax-free, risk-free returns.

3. Gold as a Small Portion
Retain gold as a hedge against inflation but avoid increasing its allocation.

Focus on financial assets that offer better growth for your retirement goal.

4. Build an Emergency Fund
Set aside at least six months of expenses in a liquid fund or savings account.

This ensures you don’t disrupt investments during emergencies.

Tax Optimisation Strategies
Use tax-saving options under Sections 80C and 80CCD for efficient planning.

Equity mutual fund LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Debt mutual fund gains are taxed as per your income tax slab.

Plan withdrawals and switches strategically to reduce tax liabilities.

Monitoring and Rebalancing
Review your investments annually to align them with your retirement target.

Rebalance your portfolio based on market conditions and life changes.

Use the guidance of a Certified Financial Planner for optimising your asset allocation.

Reducing Lifestyle Expenses
Monitor discretionary spending to increase your investable surplus.

Avoid lifestyle inflation as your income grows over time.

Direct all savings from reduced expenses towards investments for your goal.

Protecting Your Financial Plan
Ensure you have adequate life insurance to protect your family’s future.

Health insurance is also crucial to avoid dipping into your retirement corpus.

Keep reviewing your coverage periodically to match rising costs.

Final Insights
Retiring by 35 requires disciplined savings, aggressive investing, and debt reduction.

Direct your Rs. 1.17 lakh surplus towards equity and debt investments with a focused approach.

Pay off your car loan early and prepay your home loan regularly to improve cash flow.

Diversify your portfolio and continue contributing to NPS and PPF for balanced growth.

Regular monitoring and professional guidance will help you stay on track.

Build a sustainable plan for post-retirement withdrawals to protect your corpus.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7641 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

Asked by Anonymous - Jan 27, 2025Hindi
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I am 25 old I want to start a swp Lumsum 25l investment and 0.5% withdraw per month suggest me fund
Ans: At 25, starting a Systematic Withdrawal Plan (SWP) is a proactive decision.

Your Rs. 25 lakh lump sum investment shows readiness for disciplined financial planning.

A withdrawal of 0.5% per month (Rs. 12,500) is sustainable for the long term.

You need funds that generate steady returns while protecting the corpus.

Benefits of SWP for Your Financial Plan
SWPs provide monthly income without liquidating your entire investment.

They are tax-efficient compared to traditional income options like fixed deposits.

Withdrawals from mutual funds offer flexibility and inflation-adjusted returns.

Your unused balance continues to grow, supporting long-term wealth creation.

Key Considerations Before Choosing Funds
1. Focus on Balance Between Growth and Stability
As your corpus will last for years, balance growth and stability.

A mix of equity and debt-oriented funds can help achieve this balance.

2. Choose Actively Managed Funds
Actively managed funds can outperform benchmarks and deliver better returns.

Professional fund managers monitor markets and optimise asset allocation.

Avoid index funds as they lack active management and flexibility during downturns.

3. Prioritise Regular Plans Over Direct Funds
Direct funds require constant tracking and expertise.

Regular funds offer guidance from mutual fund distributors and Certified Financial Planners.

Their advice ensures better fund selection, portfolio review, and risk management.

4. Tax Implications of SWP
For equity mutual funds, LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20% for redemptions within one year.

For debt funds, gains are taxed as per your income tax slab.

Use tax-efficient withdrawals to reduce liabilities.

Suggested Fund Categories for Your SWP
1. Hybrid Funds for Balanced Returns
Hybrid funds combine equity and debt, balancing growth and stability.

They are suitable for consistent withdrawals and long-term sustainability.

2. Large-Cap Equity Funds for Moderate Risk
Large-cap equity funds invest in established companies.

They offer stable returns with relatively lower risk.

3. Aggressive Hybrid Funds for Higher Growth Potential
These funds offer a mix of 65% equity and 35% debt.

They are suitable if you can tolerate slightly higher risk.

4. Debt-Oriented Funds for Stability
Invest in short-term or corporate bond funds for stability and lower volatility.

These funds ensure a steady portion of your SWP comes from stable returns.

Strategic Allocation for Your Rs. 25 Lakh Corpus
Allocate 50% to hybrid funds for balanced growth and withdrawals.

Invest 30% in large-cap equity funds for stable growth.

Place 20% in debt funds to safeguard against market volatility.

This mix ensures your corpus grows while maintaining consistent withdrawals.

Protecting Your Corpus with Risk Management
Review your portfolio every year to ensure it aligns with your goals.

Switch between funds when necessary to maintain balance and risk levels.

Use a Certified Financial Planner’s guidance for regular portfolio optimisation.

Building a 360-Degree Financial Plan
Emergency Fund: Set aside six months’ expenses in liquid funds.

Insurance: Ensure adequate health and life insurance for unforeseen situations.

Long-Term Investments: Continue SIPs for retirement or other future goals.

Inflation Protection: Keep equity exposure for inflation-beating growth.

Final Insights
Your decision to start an SWP at 25 is progressive and thoughtful.

A carefully chosen fund mix can generate sustainable income and protect your corpus.

Actively managed funds through a Certified Financial Planner ensure professional oversight.

Regular reviews and rebalancing will ensure your plan remains effective.

Stay invested with a long-term perspective to benefit from market growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7641 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 27, 2025

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Sir Krishnan Mahadevan from blore Want to retire by 51 iam 48yrs old . Financials MF 75lacs Site 45 lacs FD 20lacs House bought at 80lacs current value is 1.2crs were we stay Current monthly expenses is around 60k Home loan of 20lacs left with a emi of 20k permonth . Pls suggest
Ans: You are 48 years old with a goal to retire at 51.

Your current assets include mutual funds worth Rs. 75 lakhs, a site valued at Rs. 45 lakhs, and FDs worth Rs. 20 lakhs.

Your primary residence, bought at Rs. 80 lakhs, is now valued at Rs. 1.2 crore.

You have an outstanding home loan of Rs. 20 lakhs with a monthly EMI of Rs. 20,000.

Your monthly expenses are Rs. 60,000, which may increase post-retirement due to inflation.

Key Goals to Address
Clearing the Home Loan: Eliminate this liability before retirement.

Building a Retirement Corpus: Ensure sufficient funds to cover post-retirement expenses.

Providing for Inflation: Account for rising expenses over the next few decades.

Emergency Preparedness: Maintain a separate emergency fund for unforeseen needs.

Recommendations for Your Retirement Plan
1. Clear the Home Loan Before Retirement
Prioritise paying off your Rs. 20-lakh loan in the next 3 years.

Use part of your fixed deposit (FD) corpus to prepay the loan.

Clearing the EMI frees Rs. 20,000 monthly for your retirement corpus.

2. Optimise Mutual Fund Investments
Your mutual funds (Rs. 75 lakhs) are a strong foundation for retirement.

Avoid direct funds due to limited professional management and higher tracking needs.

Switch to regular funds via a Certified Financial Planner for personalised advice.

Diversify across large-cap, flexi-cap, and hybrid funds for balanced growth.

Invest systematically to maximise compounding and manage risk.

3. Increase Retirement Corpus
Use the surplus from EMI savings to invest in mutual funds.

Set aside Rs. 10 lakhs from FDs into debt mutual funds for stability.

This offers better returns than fixed deposits over time.

4. Emergency Fund Allocation
Maintain an emergency fund equivalent to 12 months’ expenses (Rs. 7–8 lakhs).

Invest this in liquid funds or sweep-in FDs for liquidity.

5. Inflation-Proofing Your Expenses
Your current expenses of Rs. 60,000 per month will rise post-retirement.

Assume expenses will double in 20 years due to inflation.

Your retirement corpus should generate a consistent monthly income.

Ensure investments in equity mutual funds for long-term inflation-adjusted growth.

6. Estate Planning
Create a will to clearly outline the distribution of assets.

Ensure the site and house are included in your estate plan.

Review the legal status of your site to ensure ease of transfer in the future.

7. Avoid New Real Estate Investments
Real estate is illiquid and may not offer steady returns.

Focus on financial instruments like mutual funds for flexibility and growth.

8. Tax-Efficient Planning
Long-term capital gains (LTCG) on mutual funds above Rs. 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Use this knowledge to optimise redemptions during retirement.

For debt investments, remember that gains are taxed as per your income tax slab.

9. Post-Retirement Income Planning
Invest your mutual funds to create a Systematic Withdrawal Plan (SWP).

SWPs provide regular income and help manage taxation.

Use a mix of debt and equity funds for balanced withdrawals.

Adjust withdrawals annually for inflation and expenses.

Final Insights
Your financial foundation is strong, with a mix of assets and minimal liabilities.

Clearing your home loan before retirement is critical to reduce financial pressure.

Focus on growing your mutual fund investments for consistent post-retirement income.

Maintain an emergency fund to manage unexpected expenses.

Avoid new real estate investments and instead prioritise professionally managed mutual funds.

Regularly review your portfolio with a Certified Financial Planner to ensure alignment with your goals.

Plan your estate to ensure a smooth transfer of assets to your heirs.

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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