Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help

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

Kanchan

Kanchan Rai  |623 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.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1664 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  |1664 Answers  |Ask -

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

Asked by Anonymous - Jan 07, 2025Hindi
Listen
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  |1664 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

Latest Questions
Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Money
Is there any facility from banks for debt consolidation ?
Ans: Yes, there are facilities from banks and financial institutions in India for debt consolidation. You have made a wise decision to explore this. Managing multiple EMIs can create stress and affect cash flow. A structured solution through consolidation can bring ease and control.

Let’s explore this in a 360-degree manner.

» What is Debt Consolidation?

– It is a process of combining multiple loans into one single loan.
– You replace multiple EMIs with one EMI.
– The goal is to reduce your interest burden and simplify repayment.

» Debt Consolidation Options Offered by Banks

– Banks and NBFCs offer personal loans for consolidation.
– Some offer top-up on existing loans (like home loan top-up).
– You can also explore loan against property (LAP) for large consolidation.
– Balance transfer with top-up is another option many banks offer.

» Personal Loan for Consolidation

– Quick to get and easy documentation.
– Interest rates can be lower than credit card debt.
– Fixed tenure and EMI gives you clarity.
– No collateral is needed.

» Top-Up on Existing Home Loan

– Ideal if you already have a home loan.
– Interest rates are much lower than personal loans.
– Tenure can be long, reducing EMI burden.
– Tax benefits continue on your home loan.

» Loan Against Property (LAP)

– Best suited if your need is above Rs 10 lakh.
– You pledge your owned property.
– Interest rate is lower than personal loan.
– Tenure can go up to 15–20 years.

» Balance Transfer with Top-Up Facility

– Banks allow transfer of existing loan to another bank.
– Along with transfer, you get additional top-up.
– This top-up can be used to repay other loans.
– New bank may offer better interest rate and terms.

» Features You Must Compare While Consolidating

– Compare interest rates of new and old loans.
– Check for processing fees and hidden charges.
– Understand prepayment rules of the new loan.
– Tenure flexibility and EMI affordability should be analysed.
– Don't ignore impact on credit score.

» When Consolidation Works Well

– When high-interest loans (like credit cards) are closed using low-cost loan.
– When cash flow improves due to lower EMI.
– When you have too many EMIs and dates to track.
– When you wish to improve your credit profile.

» Risks You Must Watch Out For

– Never consolidate without understanding new terms clearly.
– Avoid too long tenure just for lower EMI.
– Don’t use consolidation as an excuse to take fresh loans again.
– Wrong consolidation can increase total interest outgo.

» What Certified Financial Planners Recommend

– Always evaluate total interest cost of new vs. old loans.
– Aim for shorter tenure if you can afford the EMI.
– Choose secured loan (like LAP) only if tenure and interest benefit is high.
– Don’t consolidate unless you're committed to debt-free living.
– Avoid schemes from unregulated digital lenders or app-based NBFCs.

» Should You Consider Credit Counselling Services?

– If you feel overwhelmed, this can be useful.
– RBI-recognised organisations offer debt counselling.
– They help you plan repayment and manage lenders.
– But choose only authorised and reputed centres.

» Debt Consolidation vs. Debt Settlement

– Debt consolidation is a loan product.
– Debt settlement is negotiation with lenders to pay lesser than dues.
– Settlement affects your CIBIL score negatively.
– Consolidation helps maintain or improve your score.

» Impact on CIBIL and Loan Eligibility

– Closing multiple loans through one loan improves your credit score.
– Timely repayment of consolidated EMI helps improve profile.
– Your loan eligibility improves in long term.
– But during the first few months, your credit utilisation may look high.

» Common Mistakes to Avoid

– Don’t opt for high processing fee options just for convenience.
– Don’t choose long tenure without need.
– Don’t take fresh credit cards or loans after consolidation.
– Don’t default on new consolidated EMI.
– Don’t consolidate from informal or unknown lenders.

» Should You Consolidate Through Banks or NBFCs?

– Start with your existing bank – they already have your profile.
– Compare quotes from at least 2–3 banks.
– Private banks offer faster processing.
– NBFCs offer easier documentation, but often higher rates.

» Should You Consider Peer-to-Peer Lending for Consolidation?

– Not advisable for most people.
– Interest rates are usually higher.
– Risk of data leakage and mismanagement is high.
– Go for regulated bank/NBFC products only.

» How to Approach Consolidation Strategically?

– List all your current loans with interest, EMI, tenure.
– Identify the highest interest loans (like credit cards, personal loans).
– Find lowest interest option for replacement.
– Set a timeline to repay in 2–5 years.
– Automate EMIs and track progress monthly.

» How Can a Certified Financial Planner Help?

– Evaluate your cash flow and debt structure.
– Identify the right type of consolidation product.
– Help you optimise tenure and EMI mix.
– Support your long-term goal of being debt-free.
– Monitor and adjust strategy based on your financial behaviour.

» Can You Do It Without Taking a New Loan?

– Yes, if you can prioritise debt repayment through budgeting.
– Use emergency funds, if situation is urgent and manageable.
– Use bonuses or maturity from investments to repay costly loans.
– Avoid stopping SIPs unless there’s no option.

» How to Build Back Financial Discipline Post Consolidation

– Create a detailed monthly budget.
– Keep 3–6 months expenses as emergency fund.
– Build an envelope for short-term expenses.
– Resume SIPs as soon as loan burden reduces.
– Avoid credit card usage till you’re fully debt-free.

» Should You Use Direct Mutual Funds for Debt Repayment?

– Direct funds may look cheaper, but they lack professional guidance.
– Wrong schemes or wrong timing can lead to losses.
– Without Certified Financial Planner, DIY investing is risky.
– Regular funds through MFD with CFP helps maintain strategy.
– Also avoids emotional mistakes in tough market times.

» What if You Already Invest in Index Funds?

– Index funds look attractive due to low cost.
– But they lack downside protection in volatile markets.
– No professional expertise behind portfolio moves.
– Actively managed funds offer rebalancing and quality control.
– Better to switch to active funds for long-term safety.

» Final Insights

– Debt consolidation is useful if done with proper planning.
– Choose banks or NBFCs with care and transparency.
– Prefer lower interest, manageable tenure, and EMI.
– Don’t fall for shortcuts or informal options.
– Combine consolidation with budgeting and disciplined investing.
– A Certified Financial Planner can make the entire journey safer.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Asked by Anonymous - Jul 09, 2025Hindi
Money
Sir please review my portfolio.time horizon long term 15 to 20 yr Monthly: 1: Nippon india large cap fund direct 1500 2: Hdfc midcap opportunity direct 1000 3: Motilal Oswal midcap direct 1000 4: Parag parikh flexi cap direct 1000 5: Bandhan small cap direct 1000 6: Nippon india small cap 1000
Ans: Your SIP plan shows thoughtful diversification. You’ve selected a variety of fund categories. That’s a very good starting point. You have made the effort to start early with long-term goals. And you’re consistent across market segments. Let’s now assess your mutual fund portfolio thoroughly.

» Portfolio Composition and Allocation

– You are investing Rs. 6,500 per month across six funds.
– You have included large cap, mid cap, small cap, and flexi cap funds.
– Allocation is well spread but can be more focused.
– Monthly SIP amounts are relatively small but consistent.
– As your income grows, step up SIPs regularly by 10-15% annually.
– You have 2 small cap funds and 2 mid cap funds. That is too much overlap.

» Assessment of Large Cap Exposure

– One fund is in the large cap space.
– Large caps offer stability in the portfolio.
– Allocation of Rs. 1,500 is around 23% of your SIP.
– This is decent for now, but can be increased slowly.
– Large caps are less volatile and can act as a cushion in down markets.

» Evaluation of Mid Cap Exposure

– You have chosen two mid cap funds.
– Rs. 2,000 goes to mid cap category every month.
– Mid caps offer growth but are more volatile than large caps.
– Duplication in mid cap funds may cause redundancy.
– One well-managed mid cap fund is enough.
– Having two mid cap funds with similar strategy is unnecessary.

» Review of Small Cap Allocation

– Two small cap funds make up Rs. 2,000 SIP.
– This is a high-risk-high-reward segment.
– Too much small cap exposure increases volatility.
– For a conservative long-term approach, one small cap is enough.
– Small caps fall more in bear markets.
– Consider gradually reducing exposure to one fund only.

» Flexi Cap Fund Role in Your Plan

– You’ve added one flexi cap fund with Rs. 1,000 SIP.
– These funds allow fund managers to invest across categories.
– This adds balance and flexibility to the portfolio.
– Continue this allocation and consider increasing over time.
– Flexi caps can adjust based on market conditions.
– They support both stability and growth.

» Overlap and Redundancy Concerns

– Having six funds with Rs. 1,000 to Rs. 1,500 each creates unnecessary spread.
– This causes duplication in underlying stocks.
– Multiple mid cap and small cap funds will have same holdings.
– Excess diversification reduces overall impact.
– Fewer but stronger funds perform better in long run.
– 3 to 4 carefully chosen funds are enough at this stage.

» Suggestion on Streamlining Portfolio

– Keep one each from large, mid, small, and flexi cap.
– Exit one mid cap and one small cap fund after checking 3-year performance.
– Stick to consistent performing funds, not recent winners.
– Avoid theme-based or momentum-style funds.

» Long-Term Suitability and Growth Potential

– Your 15 to 20-year horizon allows compounding to work.
– Equity funds are suitable for such a timeframe.
– You may see market ups and downs, stay invested.
– Long-term SIPs in good funds beat most fixed-income returns.
– Patience is the key in equity investing.

» Step-Up SIP and Top-Up Advice

– Your current SIP total is Rs. 6,500.
– If possible, increase it by Rs. 500 to Rs. 1,000 each year.
– Use bonuses or increments to top-up.
– Regular step-up builds a larger corpus with minimal pain.

» On Choosing Between Direct and Regular Plans

– All your funds are direct plans.
– Direct plans seem cheaper due to lower expense ratio.
– But you miss personalised advice and periodic rebalancing.
– Monitoring fund performance needs skill and time.
– Mistakes in fund choice or timing can erode gains.
– A regular plan through a qualified CFP and MFD adds guidance.
– CFPs bring deep analysis, strategy, and handholding in downturns.
– They also suggest fund switches and portfolio consolidation when required.
– With MFD, you can track everything in one place.
– You’ll save more by avoiding wrong decisions than the 1% fee.

» Taxation Understanding for Long-Term Equity SIPs

– As per new rule, LTCG above Rs. 1.25 lakh taxed at 12.5%.
– STCG taxed at 20%.
– Equity SIPs become long term after 1 year holding.
– Plan redemptions strategically to reduce tax.
– Do not withdraw all at once. Use staggered exit.
– Tax planning should be part of long-term SIP journey.

» Additional Suggestions to Make Portfolio Stronger

– Have 1 emergency fund worth 6 months’ expenses in liquid or overnight fund.
– Ensure adequate term insurance based on income.
– Take separate health cover apart from employer’s policy.
– Avoid investing in traditional insurance or ULIP plans.
– Review your funds once a year, not more.
– Don’t stop SIPs during market crash; continue or increase if possible.
– Set clear goals like retirement, house, or child education.
– Link SIPs to those goals and track progress every year.

» Behavioral Discipline and Emotional Control

– Stay calm during market falls.
– Don’t switch funds based on short-term returns.
– Don’t compare funds monthly.
– Don’t try to time the market.
– SIP works because it removes emotion.
– Stay focused on long-term growth, not monthly NAV.

» Final Insights

– You have done a great job starting early.
– You’ve picked decent funds from all major categories.
– Too many similar funds will not give extra return.
– Simplify your plan with 3 or 4 funds max.
– Consider regular plans with CFP guidance for better strategy.
– Stay invested, review yearly, and keep increasing SIP.
– Over 15 to 20 years, this approach can build significant wealth.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Money
Sir i have 25k SIPs. Bifurcation is 8.5 in UTI nifty200 momentum 30, 5k each in hdfc mid cap and parag parikh flexi, 3k in tata digital india and 3.5 in quant small cap. Pls judge my portfolio and advice on corrections if any
Ans: You are already investing Rs. 25,000 monthly through SIPs. That is highly appreciated. The diversification across categories shows thoughtfulness. Still, it is important to check balance, overlaps, and purpose alignment.

Here is a detailed review and suggestions from a Certified Financial Planner’s point of view.

» Portfolio Composition Overview

– Your SIPs are spread across 5 mutual fund schemes.
– Rs. 8,500 in a momentum-based thematic fund.
– Rs. 5,000 in a mid cap fund.
– Rs. 5,000 in a flexi cap fund.
– Rs. 3,000 in a sectoral tech fund.
– Rs. 3,500 in a small cap fund.

Your approach shows a tilt towards high-risk, high-return funds. Good for long-term goals. But needs review from risk alignment and stability view.

» Momentum-Based Index Fund Risks

– Momentum investing focuses on trending stocks.
– It ignores valuations and fundamentals.
– This works in bull runs but underperforms in volatile markets.
– You have Rs. 8,500 monthly here, which is a large chunk.

» Why index-based funds can be dangerous

– Index funds like these track a formula, not quality.
– No human manager to avoid bad calls.
– They blindly follow price momentum, even in overvalued zones.
– Downside protection is very poor.
– Active fund managers avoid weak stocks.
– Index funds cannot filter bad entries.

Reduce your exposure here. Use only if you understand the risk. Better to use actively managed flexi-cap or multi-cap funds with dynamic strategy.

» Sectoral Digital Fund Caution

– You are investing Rs. 3,000 in a tech-based fund.
– These funds work well during digital expansion.
– But they carry very high risk due to concentration.
– They are vulnerable to global tech correction, regulations, and valuation risks.

Exposure to sectoral funds must be limited to 5-10% of total SIP. Yours is already at 12%. Reduce or pause fresh SIP here.

» Mid Cap and Small Cap Allocation Review

– Rs. 5,000 in mid cap and Rs. 3,500 in small cap.
– That is nearly 34% of your total SIP.
– Mid and small caps are wealth creators in long term.
– But both are very volatile in the short term.

Make sure your goal horizon is above 7 years. For medium-term goals (3–5 years), avoid small cap. Also, check overlapping between these two funds.

» Flexi Cap Fund – A Strong Foundation

– Rs. 5,000 in a reputed flexi cap fund.
– This provides a core diversified base.
– It offers dynamic allocation across large, mid, and small caps.
– Acts as a good balancing anchor.

Consider increasing SIP here if trimming from high-risk funds. Flexi caps can deliver consistency.

» Portfolio Category Weightage Analysis

Let’s check your category allocation from Rs. 25,000 SIPs:

– Thematic/Index-based momentum fund: 34%
– Mid cap: 20%
– Flexi cap: 20%
– Sectoral/Tech fund: 12%
– Small cap: 14%

This is highly tilted towards aggressive funds. Defensive funds like large cap, multi cap, and balanced advantage are missing. Long-term investing does not mean ignoring downside protection.

» Need for Large Cap or Multi Cap Stability

– No allocation currently to large cap or multi cap.
– These provide cushion in falling markets.
– Large caps offer stability and low beta behaviour.
– Multi caps bring mandatory balance among all categories.

Introduce one large cap or multi cap fund with Rs. 4,000–5,000 monthly SIP. This will help protect capital during sharp corrections.

» Avoid Direct Mutual Funds for Retail Investors

If you are investing in direct funds, then please consider this:

– Direct funds look cheaper, but carry long-term risk.
– No guided rebalancing or human intervention.
– Missing periodic reviews or emotional discipline.
– Regular funds via MFDs with CFPs offer consistent handholding.
– A Certified Financial Planner builds long-term discipline and adjusts asset allocation based on your goals.
– Returns without strategy are dangerous.

So, don’t chase direct funds only for saving 0.5% expense. Regular funds bring more peace and guidance.

» Importance of Goal Linking

– Are your SIPs mapped to specific goals?
– This helps avoid panic during volatility.
– Child education, house buying, retirement – all need different risk setups.

Currently, your SIPs look growth-focused, not goal-mapped. Categorise each SIP towards goal – short term (3 yrs), medium term (5–7 yrs), and long term (10+ yrs).

» Emergency Fund and Insurance Check

– Don’t invest all monthly surplus in mutual funds.
– Ensure 6–12 months of expenses in emergency fund.
– Keep it in sweep FD or liquid funds.

Also, check life cover for family protection. A term plan of 10x annual income is minimum. Health cover must be Rs. 10 lakhs minimum per person, especially post-40 age.

» Portfolio Corrections Suggested

– Trim SIP in momentum-based fund to Rs. 4,000.
– Reduce or pause SIP in tech sectoral fund.
– Increase SIP in flexi cap by Rs. 2,000–3,000.
– Introduce a new large cap or multi cap fund with Rs. 4,000–5,000 SIP.
– Small cap and mid cap SIPs are fine if your horizon is 7–10 years.
– Check for fund overlap using mutual fund portfolio analyzer.
– Prefer regular plans with advisory support. Avoid direct plans.

Overall, you must rebalance to reduce thematic and sectoral risk. Introduce stable growth engines.

» MF Capital Gains Tax Awareness

– From April 2024, new MF taxation rules apply.
– Equity MF LTCG above Rs. 1.25 lakh taxed at 12.5%.
– STCG taxed at 20%.
– Debt MF gains taxed as per your slab.

Plan your redemptions wisely. Use tax harvesting each year. SIPs are better for taxation as gains spread out.

» SIP Investment Time Horizon Discipline

– Every SIP must be continued for 7–10 years.
– Frequent switching hurts returns.
– Thematic and small cap funds must be reviewed every 18 months.
– Don’t judge funds only on 1-year returns. Look at 5-year rolling performance.

Avoid breaking SIPs for small market corrections. Consistency creates compounding.

» Final Insights

– You are on the right path with disciplined SIPs.
– Your portfolio is well diversified, but very aggressive.
– Momentum and tech are risky themes. Reduce exposure.
– Add one stable fund like large cap or multi cap.
– Flexi cap fund must play a larger role.
– Map each SIP to a clear goal.
– Avoid direct funds. Choose regular plans with certified guidance.
– Review fund performance every 12–18 months, not too frequently.
– Maintain emergency funds and adequate insurance alongside investments.
– Keep investing. Keep learning. Keep compounding.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Asked by Anonymous - Jul 26, 2025Hindi
Money
I have a sin aged 34 no job health problems from childhood and not much education and not very smart i get every year 3 lacs from ny lic annuity in what way can i invest this along with some other annuities and idcw of my mutual fund totally about 5 kacs a tear for hom so that he gets steady income every month i have aldo invested in his and mine joint name 20 lacs in mutual funds also 3 lacs in post office 3 lacs sriram deposit and 15 lacs lic policies which mature now in couple of years by 2028.could u please guide me
Ans: You have shown deep care and long-term thinking. You are doing your best for your son despite many challenges. Your current financial structure gives a strong foundation. You already have regular annuity income, mutual funds, post office deposits, and LIC maturity due in coming years.

Now let us make a steady monthly income plan for your son. The focus will be on safety, simplicity, regular cash flow and capital protection. We will also aim to grow some portion of wealth so his future is safe even after 2028.

» Understand the Existing Financial Picture

– Your son is 34 years old.
– He has health problems and no job.
– He is not well educated and needs monthly support.
– You receive Rs.3 lakh per year from LIC annuity.
– You receive Rs.2 lakh more per year from IDCW and other annuities.
– Total yearly inflow is about Rs.5 lakh.
– This means about Rs.40,000 per month available for him.

– You also have Rs.20 lakh in mutual funds (joint name).
– Rs.3 lakh in post office deposit.
– Rs.3 lakh in Shriram deposit.
– Rs.15 lakh in LIC policies which mature by 2028.

– Your goal is to create dependable monthly income for your son.
– Also preserve and grow capital slowly and carefully.

» Step-by-Step Action Plan for Monthly Income

– Right now, he is already receiving about Rs.40,000 per month.
– That is a very good base income.
– If this is enough for monthly expenses, good.
– But if not, we can supplement it carefully.

– Don’t invest all at once.
– Use a layered structure of income.
– This means divide money into short term, medium term and long term.
– This gives balance of safety, income and slow growth.

– Keep 1 to 2 years’ expenses in liquid mutual fund.
– These funds are safe and give more than savings account.
– Withdraw monthly using SWP (Systematic Withdrawal Plan).
– This is better than using IDCW mutual funds.
– IDCW payout is not guaranteed.
– Fund house can skip or reduce payouts.
– In SWP, you control how much to withdraw every month.

– Choose regular mutual funds through MFD with CFP support.
– Avoid direct funds.
– Direct plans don’t give advice or review.
– Regular funds offer guidance, rebalancing and discipline.

» Shift from IDCW Mutual Funds to SWP Model

– IDCW mutual funds are not ideal.
– Dividends are not guaranteed.
– You may get less when markets fall.
– They are also taxed even if you don’t need the income.

– Instead, move to growth option funds.
– Withdraw through SWP every month.
– You decide fixed monthly income.
– If you withdraw only part of the return, capital will stay.

– This also gives better tax efficiency.
– Long term capital gains tax is 12.5% above Rs.1.25 lakh.
– This is lower than slab-based income tax.
– So SWP gives you more in hand after tax.

» Use Fixed Income for Stability

– Your Rs.3 lakh in post office is safe.
– Keep it for emergency or short-term needs.
– It gives fixed interest, though lower.
– Same for Rs.3 lakh Shriram deposit.
– Keep monitoring safety ratings of Shriram.
– Renew only if company stays strong.

– When LIC policies mature by 2028, re-allocate wisely.
– Don’t put back into any new LIC plans.
– LIC traditional policies give low return.
– Their lock-in and surrender conditions are not helpful.
– After maturity, move those funds into mutual fund buckets.
– Use part for income and part for slow growth.

» Surrender LIC or Insurance-cum-Investment Policies if not Annuitised Yet

– You have Rs.15 lakh in LIC maturing in few years.
– If any of these are not annuity policies, surrender now.
– Take surrender value and reinvest.
– LIC savings plans don’t grow money fast.
– Mutual funds are better for this goal.
– For those already annuitised, continue as they give income now.

– For other policies, use surrender value to build SWP strategy.
– This will make monthly income smooth and tax friendly.

» Keep Part of Funds in Growth-Oriented Funds

– Your son is young at 34.
– Though he needs income now, he also needs wealth for later.
– So keep part of Rs.20 lakh in equity mutual funds.
– These can give better growth over long term.
– Use actively managed funds, not index funds.
– Index funds can’t manage risk in market falls.
– Active funds have flexibility and human oversight.
– Fund managers can switch to better sectors and stocks.

– Review every 6 months.
– Keep only 25%–30% in equity at one time.
– Rest in short term, balanced and hybrid funds.

– Avoid annuity reinvestments.
– They lock capital and don’t adjust to inflation.
– Their returns remain flat for life.
– Mutual funds give growth with flexibility.

» Create a Monthly Income System – 3 Bucket Strategy

– Bucket 1: Keep 1–2 years’ expenses in liquid funds.
– Use SWP from here.
– This gives fixed monthly cash.

– Bucket 2: Keep 3–5 year fund in hybrid and balanced funds.
– This gives moderate return with less risk.
– Use STP (Systematic Transfer Plan) to refill Bucket 1 when needed.

– Bucket 3: Keep 5+ year money in good equity funds.
– This builds future capital.
– Helps manage inflation in later years.

– Review buckets yearly with help of Certified Financial Planner.
– Adjust amounts based on expenses, health and markets.

» Emergency, Legal and Nomination Safety Measures

– Keep health insurance active for your son.
– Check if any government support or scheme is available.
– Nominate him clearly in all investments.
– Prepare a simple Will mentioning his rights.

– Also create guardianship nomination if needed.
– Check if you have assigned Power of Attorney.
– This helps in case of emergency handling of accounts.

– Keep all documents, policy details and account statements organised.
– Tell family members where they are kept.

– Keep your own retirement needs separate.
– Don’t mix his income funds with your retirement corpus.

» Income Flow Once LIC Matures in 2028

– Rs.15 lakh from LIC maturity will be available soon.
– Divide into income and growth parts.
– Rs.10 lakh can go into SWP mutual funds.
– Rs.5 lakh can stay in hybrid or equity funds for future.
– This will improve income from 2028 onwards.
– Your son will need more money later due to inflation.
– So income and capital growth must go together.

» Finally

– You are doing the right thing by planning in advance.
– Monthly income of Rs.40,000 is already a good base.
– Shift from IDCW to SWP for better monthly cash flow.
– Avoid reinvesting into new LIC or annuity policies.
– Reinvest LIC maturity into mutual fund SWP and hybrid plans.
– Keep Rs.3 lakh post office and Rs.3 lakh Shriram for short-term needs.
– Keep 3 buckets: income, moderate growth, long term.
– Use Certified Financial Planner’s help for reviews and peace of mind.
– Keep insurance, documents and nominations updated.
– Secure legal rights for your son through Will or guardianship.

– This steady and structured approach will help your son live with dignity.
– Your care, discipline and planning will secure his future in your absence.
– You have done a wonderful job so far.
– With the right plan, things will only get better.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Nayagam P

Nayagam P P  |9903 Answers  |Ask -

Career Counsellor - Answered on Aug 04, 2025

Career
Should I take AIML in COEP Pune, CSE in PICT PUNE or CSE in IIIT Kottayam? OBC category 96.54 percentile in jee mains & 99.513 percentile in MHCET
Ans: Shukrapal, The AI and Machine Learning program at COEP Pune positions students for future-focused careers by delivering advanced skills in programming, machine learning, robotics, and data science, all grounded in the institute’s longstanding industry ties and competitive placement record. COEP's proactive placement cell and strong alumni network partially offset the recent rise in intake, which has fostered greater competition. Despite being new, PICT Pune’s Electronics and Computer Science (ECS) branch nurtures multidisciplinary expertise by integrating both electronics and computer engineering. Its placements are evolving, benefitting from PICT’s strong reputation, faculty, and collaboration with local and national tech firms. IIIT Kottayam’s Computer Science program, with its focus on core computing, AI, and cybersecurity, benefits from innovative curriculum design and industry projects; placements are developing, with improving statistics, especially in emerging tech sectors. Across all institutes, student outcomes rely on faculty quality, revamped infrastructure, ongoing curriculum improvement, placements, and mentorship. Engagement in projects, internships, and extracurricular technical activities is central for maximizing placements and academic growth within each program.

Prioritize AI & ML at COEP Pune first for its academic rigor and established placements, followed by PICT Pune ECS for its multidisciplinary strengths and quality industry interaction. IIIT Kottayam CSE is an excellent choice for those seeking a tech-driven, agile campus environment and specializing in cybersecurity and cutting-edge computing domains. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Money
Sir i have invested in SBI life Retire Smart policy since 3 years totalling 15L. Now i came to know that Fund value is only 16.5L. Besides the company says that the fund switch is not allowed in this policy stating that it is safe. The premium payment term is 5 years and policy is for 10 years. The policy details that all risk is borne by policy holder. The company person is advising against cancelling the policy (irrespective of deductions) saying that it will perform. I would like some advise as to if this policy should be cancelled or does anybody have any other experience of positivity.
Ans: You have shown great discipline in saving Rs.15 lakh in just 3 years. That is a strong effort. It’s good that you’re now reviewing your investment closely. You are asking the right question at the right time. Let us assess the situation from a Certified Financial Planner’s perspective, in a way that is clear and complete.

» Understand the True Nature of This Policy

– This is a unit-linked pension product.
– All market risk is passed to the policyholder.
– Returns are not guaranteed.
– It works like a ULIP with a retirement angle.
– Fund switch restriction means you lose flexibility.
– The “safe” tag may not mean “high growth”.
– Most such pension ULIPs invest in balanced or debt-heavy funds.
– Equity allocation is often limited by default.

» Analyse the Current Performance Realistically

– You have paid Rs.15 lakh over 3 years.
– Fund value is Rs.16.5 lakh now.
– That is about 10% return in total.
– This is around 3% annualised, after 3 years.
– In the same time, equity mutual funds grew more.
– So the performance is not very encouraging.

» Check What You Are Giving Up

– High fund management costs reduce returns.
– You are also paying mortality and policy charges.
– These are deducted whether the fund grows or not.
– Fund switching flexibility is removed.
– You are locked into a structure till maturity.
– On maturity, the payout is not fully in your hands.
– You may be forced to buy an annuity.
– That annuity will give very low monthly income.
– You cannot use the full maturity amount freely.

» What Happens If You Stay Invested?

– You must continue premiums for 5 years.
– The policy will mature after 10 years total.
– Even after maturity, you can’t withdraw everything.
– You may be allowed 60% withdrawal only.
– The balance must be used to buy annuity.
– Annuities give fixed monthly payout, around 5%–6% per year.
– That too is taxable.
– So your money gets locked again.

» Surrendering – The Real Costs and Gains

– If you surrender now, charges may apply.
– You may get slightly less than fund value.
– But the money becomes flexible again.
– You can invest it in high-growth instruments.
– Over 7 more years, good investments can outperform this policy.
– Early exit allows better use of your savings.
– Consider opportunity cost, not just surrender charges.

» Why the Company Adviser Says Stay

– They are trained to retain policies.
– Their incentive depends on policy continuation.
– They won’t suggest mutual funds or better options.
– They may use fear and promises to retain you.
– But actual control and growth are low in such policies.
– You must assess if your goals are being met.

» Focus on Retirement Planning Separately

– Retirement corpus needs equity exposure for growth.
– Equity mutual funds give inflation-beating returns.
– You have 7+ years till this policy matures.
– In mutual funds, that’s a good long-term horizon.
– You can grow your savings at higher pace.

» Use a 3-Step Retirement Plan Instead

– Step 1: Take your current fund value.
– Step 2: Invest it in equity mutual funds through SIP or STP.
– Step 3: Increase SIP yearly to build big corpus.
– This plan is flexible, tax-efficient and growth-oriented.

» Understand the Tax Rules Clearly

– If you exit now, surrender amount may be taxed.
– If policy is held 5 years, tax may be saved.
– Mutual funds have clear tax structure.
– Equity fund LTCG above Rs.1.25 lakh taxed at 12.5%.
– STCG is taxed at 20%.
– Debt fund gains are taxed as per income slab.
– Even then, mutual funds are better for control and liquidity.

» Mutual Funds vs Pension ULIPs – A Simple Comparison

– Mutual funds offer growth and full liquidity.
– ULIP-based pension plans are rigid and costlier.
– You cannot access your full money in ULIPs.
– Returns are lower due to caps and charges.
– No option to skip annuity on maturity.
– Mutual funds can be used as SWP in retirement.
– You can withdraw as per your need.

» If You Already Hold LIC or ULIP Plans

– Then this pension plan adds more rigidity.
– It locks your savings in a fixed structure.
– You should not over-allocate to such rigid plans.
– Consider surrendering and moving to flexible mutual funds.

» Create a Custom Retirement Strategy

– Based on your age, risk level, and future goals.
– Start equity mutual funds for long-term growth.
– Add hybrid fund for stability near retirement.
– Do SIP monthly with surplus savings.
– Increase SIP every year with income rise.
– Create separate folios for retirement and other goals.
– Monitor growth every 6–12 months.

» Avoid Index Funds for Retirement Planning

– Index funds copy the market blindly.
– They don’t adjust during downturns.
– No downside protection during crashes.
– Active funds outperform in volatile conditions.
– Active fund managers take better calls.
– They protect capital and give better entry-exit.
– Retirement plan needs this smart handling.

» Avoid Direct Funds for This Strategy

– Direct funds may look cheaper.
– But they offer no guidance or monitoring.
– You may miss fund performance changes.
– Regular plans via CFP ensure hand-holding.
– They provide ongoing asset allocation reviews.
– A Certified Financial Planner can guide with logic and discipline.

» Avoid Real Estate and Annuities

– Real estate is illiquid and difficult to sell.
– It needs maintenance and is not passive.
– Annuities give low returns and are taxable.
– You lose flexibility and can’t beat inflation.
– Mutual funds are better tools for retirement planning.

» Final Insights

– You have invested sincerely for your future.
– But now the product is not supporting your goal.
– Surrendering early may seem painful.
– But long-term gains from switching to mutual funds are better.
– Mutual funds offer higher returns, liquidity and control.
– You should not delay action just to avoid loss on paper.
– Consider real growth and flexibility while deciding.
– Switch smartly and rebuild your retirement plan.
– Take help of a Certified Financial Planner for hand-holding.
– Your future self will thank you for this decision.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Asked by Anonymous - Jul 31, 2025Hindi
Money
i have 2 properties worth 4 crore each and i get 150000 rupees rent every month will this be enough to retire after 15 years, i am saving 25000 every month and i have invested 25000 in insurance, plus i have stocks worth rs 2500000, how do you evaluate, if i retire after 15 years
Ans: You have built valuable assets. Owning two properties worth Rs 4 crore each is a solid base. Monthly rental income of Rs 1.5 lakh adds steady passive cash flow. Your savings and stock investments further strengthen your foundation.

Let’s assess your retirement readiness from every angle and create a structured plan for the next 15 years.

» Asset Strength and Passive Income Stream

– Two properties together valued at Rs 8 crore are your largest assets.
– Current rental income of Rs 1.5 lakh/month equals Rs 18 lakh/year.
– This rental income is a strong source of passive income.
– But it may not be fully inflation-protected.
– Rent value may rise, but maintenance and vacancy risks remain.
– Real estate also lacks liquidity during emergencies.

– Holding rental property is beneficial.
– But relying only on it for retirement may not be sufficient.
– Diversifying your income streams will give more stability later.

» Monthly Savings and Cash Flow Behaviour

– You are saving Rs 25,000 per month.
– This means Rs 3 lakh is saved annually.
– Over 15 years, this builds to Rs 45 lakh excluding returns.
– With returns, it may grow to a much higher amount.
– However, this level of saving can be increased.

– Since rental income is strong, you can consider saving more.
– Try raising your monthly saving by at least Rs 15,000.
– Channel surplus cash into diversified investments.

» Current Investment Portfolio Assessment

– You have invested Rs 25 lakh in stocks.
– Stocks offer long-term growth, but carry higher volatility.
– Pure stock investing may lead to emotional reactions during market cycles.
– You need a more structured portfolio with mutual funds.

– Diversify across equity mutual funds and debt mutual funds.
– Consider hybrid funds for stable growth.
– Stocks should not exceed 50-60% of your total investments.

– Also review your stock portfolio every year.
– Ensure sector diversification and quality holding.

» Insurance Investments – A Closer Look

– You mentioned Rs 25,000 is invested in insurance.
– These may be traditional or investment-linked insurance plans.
– If these are endowment or ULIP plans, evaluate surrender value.
– These usually give poor returns and high charges.

– If these are non-term plans, consider surrendering them.
– Reinvest proceeds in mutual funds through a Certified Financial Planner.
– Regular mutual funds give guidance and behaviour support.
– This creates more wealth than direct funds or insurance plans.

» Understanding the Role of Inflation

– You plan to retire after 15 years.
– At 6% inflation, today’s Rs 1.5 lakh will become Rs 3.6 lakh/month.
– Your passive income must meet that future need.
– Rental income may not grow at the same rate as inflation.

– Stocks and mutual funds help beat inflation over time.
– Real estate values may grow slower or stagnate.
– Diversified investment is your best inflation shield.

» Rental Income Forecasting – With Caution

– Rs 1.5 lakh monthly rental is good.
– But don’t assume it will rise every year without interruption.
– Property may lie vacant for few months occasionally.
– Maintenance costs, repairs, and property tax must be deducted.

– Future rental value also depends on location demand.
– You may get better appreciation from financial assets.

– Real estate should form a part, not whole, of retirement strategy.

» Retirement Goal Clarity – Lifestyle Cost Planning

– Decide your expected lifestyle cost 15 years from now.
– If you need Rs 3 lakh per month post-retirement, plan for that.
– This includes household, medical, travel, and contingency needs.

– Create a retirement income strategy with 3 pillars:

Rental income

Mutual fund returns

Safe withdrawal from accumulated assets

– Real estate alone cannot meet rising lifestyle cost.

» Where to Improve – Investment Behaviour

– Your savings and investment capacity is underutilised.
– Increase monthly SIPs in mutual funds.
– Target Rs 50,000 per month as combined SIP over next few years.
– This builds large, liquid retirement corpus.

– Invest in regular mutual funds through a CFP-certified MFD.
– Avoid direct mutual funds due to lack of personalised support.
– Regular plans offer advisory support during market corrections.

– Review portfolio every 6-12 months.
– Rebalance and track performance.

» Why Not Index Funds or Direct Plans?

– Index funds give average returns only.
– No downside protection or active management in volatile times.
– Cannot beat inflation consistently in India’s growth cycle.

– Actively managed funds have better flexibility.
– Experienced fund managers respond faster to opportunities.
– Suitable for Indian market’s inefficiencies and cycles.

– Direct plans lack behaviour support and correction guidance.
– Investors often make emotional mistakes in direct route.
– Regular plans with certified guidance help long-term success.

» Plan to Build a Retirement Corpus

– Target minimum Rs 3 crore retirement corpus (excluding real estate).
– This can generate monthly income via SWP or laddering.
– Mutual funds allow Systematic Withdrawal Plans post-retirement.

– Your Rs 25 lakh in stocks is a good base.
– Add Rs 50,000 monthly for next 15 years.
– You will reach your target comfortably.

– Avoid relying only on rental.
– Use real estate as a cushion, not as the main wheel.

» Emergency Fund and Medical Cover

– Keep at least Rs 10-15 lakh as liquid emergency fund.
– This covers unforeseen situations during retirement.

– Ensure you have strong health insurance.
– Medical inflation is steep in post-retirement years.

– Get a top-up health cover to protect your assets.

» Estate Planning and Future Clarity

– Two properties need proper nomination and WILL planning.
– Avoid disputes and legal complexity later.

– Retirement planning should include estate clarity.
– Plan for spouse’s future too in case of any uncertainty.

» Finally

– Your base is already solid with two properties and Rs 1.5 lakh rent.
– However, depending only on rental income may not be wise.
– Real estate is illiquid, volatile in value, and not tax-efficient.

– Increase your mutual fund investments using SIPs.
– Build a diversified portfolio with active fund managers.
– Use regular plans through a CFP-certified Mutual Fund Distributor.

– Don’t continue investment-based insurance policies.
– Replace them with pure term plans and mutual fund SIPs.

– Keep increasing savings every year with income growth.
– Revisit your plan annually with guidance from a Certified Financial Planner.

– You have 15 golden years to build financial independence.
– With disciplined steps, you can retire with comfort and dignity.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Money
I have a lumpsum of Rs 13 lakhs and I want to invest it one time in equity mutual funds for a long term. Please advise me which equity mutual funds to invest the money in one time to create a corpus of 1 crore. Kindly advise me is this the right time to invest in lumpsum
Ans: You have shown great initiative by planning to invest Rs 13 lakh in one shot.
Your target of Rs 1 crore is ambitious, but achievable.
Long-term investing in equity mutual funds can help reach this goal.
But lump-sum investing needs careful handling to reduce short-term risks.

Let me guide you step-by-step, keeping every angle in mind.

» Your Target and Expectation

– You want to grow Rs 13 lakh to Rs 1 crore.
– That means growing capital nearly 8 times.
– For this, long-term equity investing is the right mindset.
– With discipline, patience, and right fund selection, this is possible.
– Time in the market is more important than timing the market.

» Is This the Right Time to Invest Lump Sum?

– Market valuations are moderately high now.
– Nifty and Sensex are near record levels.
– Global cues are uncertain with inflation and rate cycle.
– Election-driven momentum has already played out.
– This makes full lump-sum investing in equity a bit risky now.

So, investing in one shot is not ideal.

» Suggested Investment Strategy Instead of Full Lumpsum

– Invest Rs 1 lakh immediately in 2-3 handpicked equity mutual funds.
– Park remaining Rs 12 lakh in a liquid fund for now.
– Start an STP (Systematic Transfer Plan) from liquid fund to equity funds.
– Choose monthly or weekly STP over next 12-18 months.
– This reduces market entry risk and smoothens volatility.
– You benefit from rupee cost averaging while staying invested.

» Why Not Index Funds or ETFs

– Index funds only mirror the market.
– They can’t beat the market returns.
– They offer no active risk management.
– In volatile markets, they fall as much as the index.
– Index funds don’t suit investors aiming for wealth creation.
– ETFs lack fund manager insights and long-term research.
– Actively managed funds adjust allocation based on market condition.
– They also take defensive calls during corrections.
– So, well-chosen active funds are better for your Rs 1 crore goal.

» Why Not Direct Plans

– Direct plans miss the expert monitoring by a qualified Mutual Fund Distributor.
– Investors end up chasing past returns without proper guidance.
– Portfolio review and switching decisions become random.
– This hurts long-term performance and tax efficiency.
– Regular plans through MFDs with CFP credentials offer long-term handholding.
– You get personalised asset allocation and timely rebalancing support.
– In wealth creation, guidance adds more value than 0.5% saved in expense ratio.

» Ideal Categories of Funds for Your Goal

– For long-term growth, equity-oriented funds work well.
– Choose a mix of the following types of funds:

Large & Mid Cap Funds – Balance between growth and stability.

Flexi Cap Funds – Fund manager has full freedom to pick any market cap.

Mid Cap Funds – For higher return potential and wealth creation.

Balanced Advantage Funds – Automatically adjust equity and debt exposure.

– This mix offers growth, downside protection, and better return consistency.
– Avoid thematic or sector funds. They are high risk and cyclical.

» Recommended Investment Split (STP Approach)

Here’s a practical way to deploy Rs 13 lakh:

– Invest Rs 1 lakh immediately in 2-3 selected diversified funds.
– Put Rs 12 lakh in a liquid fund now.
– Set up STP of Rs 75,000 to Rs 1 lakh per month into selected equity funds.
– Total STP period should be 12 to 15 months.
– Review allocation every 6 months and rebalance if needed.

This approach provides a disciplined and structured entry.

» Taxation Angle You Must Know

– Any equity fund held more than 3 years is treated as long term.
– New rule: LTCG above Rs 1.25 lakh per year is taxed at 12.5%.
– Short-term capital gains (below 3 years) is taxed at 20%.
– So, always stay invested for long term to get tax efficiency.
– Choose growth option in mutual funds to allow compounding.

» Should You Monitor Your Portfolio?

– Yes, but not daily or weekly.
– Review once every 6 months.
– Avoid panic during market dips.
– Stick to long-term plan and ignore short-term noise.
– Maintain asset allocation as per your age and risk profile.
– Avoid unnecessary fund switches.

» Will Rs 13 Lakh Become Rs 1 Crore?

– Yes, with time and discipline, it is possible.
– But don’t expect linear growth every year.
– Equity returns are lumpy.
– Long-term CAGR of 12-14% is realistic.
– It may take around 15-18 years based on market performance.
– Staying invested through cycles is key.
– Reinvest all gains and avoid withdrawals.

» How to Track and Manage Portfolio Easily?

– Use MFD platform or app to view all funds in one place.
– Setup SIP/STP alerts to stay updated.
– Use guidance from a CFP-certified MFD for periodic review.
– Maintain digital and physical record of all folios.
– Do nomination for all funds to avoid complications later.

» Other Must-Do Actions Along with This Plan

– Create an emergency fund equal to 6 months expenses.
– Don’t invest that in equity or long-term funds.
– Ensure you have Rs 25 lakh to Rs 50 lakh term insurance if earning.
– Have health insurance of at least Rs 10 lakh per family member.
– Keep a simple will ready to protect wealth transfer.
– Avoid ULIPs or insurance-investment combo products.

» Final Insights

– You’re already ahead by planning to invest Rs 13 lakh wisely.
– But don’t put it all into equity at once.
– Use STP route for safe and systematic entry.
– Stay away from direct and index funds for your wealth goal.
– Go through a trusted MFD with CFP certification for long-term value.
– Stay invested with patience and don’t try to time the market.
– Rs 1 crore is very much possible if you follow this plan strictly.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |10174 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2025

Money
If I want to invest 4 lakhs in 2 years which mutual Funds is best
Ans: It is good that you are planning to invest Rs. 4 lakhs for 2 years.
Short-term goals need focused and safe strategy.
You are already thinking ahead. That deserves appreciation.

Because your investment period is 2 years, it needs low-risk or very low-risk options.
You cannot invest this in high-risk mutual funds like equity or sectoral ones.
Let’s now understand how you can invest this in mutual funds.

» Understand the risk in 2-year investing

– Two years is a short investment horizon.
– Equity mutual funds need at least 5–7 years for meaningful growth.
– Short-term investing in equity funds increases loss chances.
– If markets fall during exit, you may get lower returns or even capital loss.

– For 2-year goals, safety of capital is the priority.
– Moderate or low returns with high safety is better than chasing high gains.
– Debt mutual funds or hybrid funds are better choices in this case.

» Why equity funds are not suitable here

– You may have heard of index funds or equity funds giving 10–14% returns.
– But this is true only if invested for long term.
– In 2 years, market volatility can wipe out short-term returns.
– Exit load, taxation, and market timing issues also affect returns.

– Many assume index funds are “always safe”. That is wrong.
– Index funds don’t protect capital in downtrend.
– Index funds follow the market – they don’t avoid poor-performing stocks.
– In volatile markets, active funds can outperform passive index funds.

– Actively managed funds try to reduce downside risk.
– Fund managers take decisions to adjust holdings in bad times.
– This active monitoring helps in risk-controlled returns.
– Hence, actively managed mutual funds are better even for medium term.

» Suitable categories of mutual funds for 2 years

Low Duration Debt Funds –
These are best for 1 to 3 years.
They invest in short-term bonds and government securities.
They offer better return than savings accounts or FDs.
But have very low volatility compared to equity funds.

Banking and PSU Debt Funds –
These focus on debt issued by banks and PSUs.
These are highly rated and secure.
They offer stable returns and low risk.

Corporate Bond Funds –
These invest in AA+ or AAA-rated corporate papers.
Slightly higher return potential than banking/PSU debt funds.
Still carry low to moderate risk.

Short-Term Debt Funds –
These are ideal for 2 to 3-year holding period.
Return potential is 6% to 7% annually.
Risk is moderate but lower than equity.
Better than FDs if you choose high-quality ones.

Conservative Hybrid Funds –
These invest mostly in debt and a small portion in equity.
Suitable for 2-year horizon if you want slightly better returns.
Carry slightly more risk than pure debt funds.
But offer better returns if equity market remains stable.

» Avoid these fund types for 2-year investing

Equity Funds –
Not suitable at all. Risk is high.
Market may be down when you want to exit.
Not ideal for fixed goal like education, EMI, or travel in 2 years.

Index Funds –
Don’t offer protection from market fall.
Have no active monitoring by fund managers.
Simply copy market moves. Not good in downtrends.

Small-cap, mid-cap, sectoral funds –
These are very high-risk.
Suitable only for 8–10 years.
Avoid totally for short-term plans.

ELSS Funds –
These have lock-in of 3 years.
You can’t withdraw in 2 years.
Not meant for short-term.

» How to invest Rs. 4 lakhs in mutual funds

– You can invest lump sum if goal is exactly 2 years away.
– Or you can spread investment in monthly SIP of Rs. 16,500 for 24 months.
– Both options are fine depending on comfort.
– If you want to reduce volatility, divide into 2 funds.

Example:
Rs. 2 lakhs in Short Duration Debt Fund
Rs. 2 lakhs in Conservative Hybrid Fund

– Or use staggered investment –
Rs. 50,000 every quarter in 4 instalments into the same fund.
This avoids timing risk.
Also gives you average cost benefit.

» Taxation of mutual funds for 2-year investment

For debt mutual funds:
Gains are taxed as per income tax slab (STCG and LTCG same now).
There is no indexation benefit now.
If you are in 30% slab, return after tax will be lower.

For conservative hybrid funds:
If equity portion is less than 35%, it is taxed like debt fund.
So same tax rules apply as above.

– New rule: STCG and LTCG no longer matter for debt funds.
– All gains are added to income and taxed accordingly.
– Hence, use low turnover funds to minimise taxable gains.

» Regular funds are better than direct funds

– Many feel direct mutual funds give better return due to low expense ratio.
– But for short-term, fund selection matters more than small cost difference.
– Regular funds come with access to guidance from MFD or CFP.
– This helps you avoid wrong fund choices.

– Regular plan investor gets updates, switch advice, portfolio review.
– In direct plan, you are on your own.
– One poor fund can wipe out entire tax savings.
– For short-term plans, mistakes are costly.

– Also, exit timing is important.
– A good Certified Financial Planner can help you decide when to exit.
– Hence, regular plans are better for balanced and timely guidance.

» Strategy to keep money safe and earn more than FDs

Keep Rs. 4 lakhs diversified across 2 funds.

Choose from: Low Duration Fund, Banking & PSU Fund, Conservative Hybrid Fund.

Review after 1 year. If market is volatile, shift from hybrid to debt.

Avoid equity or index exposure. Not worth the risk.

Choose funds with good track record and consistent returns.

Avoid funds with high churn or risky bond holdings.

Keep goal clear. Don’t try to increase return by taking high risk.

Protect capital first. Target 6% to 7% return.

Reinvest after 2 years if goal is delayed.

Use SWP (Systematic Withdrawal Plan) for phased withdrawal if needed.

» Final Insights

– Short-term investing is about caution, not aggression.
– Mutual funds offer safe short-term options beyond fixed deposits.
– Equity, index, or small-cap funds are not for 2-year periods.
– Debt funds or conservative hybrid funds balance risk and return.
– Avoid direct funds and go through Certified Financial Planner-backed regular plan.

– Track your investment every 6 months.
– Reassess funds based on market changes.
– Stay disciplined with goal timeline.
– Don’t shift to high-risk options seeing market rally.

– With careful planning, your Rs. 4 lakhs can grow with safety and stability.
– Choose good funds. Review them yearly. Keep exit strategy ready.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Radheshyam

Radheshyam Zanwar  |6133 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 04, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x