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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 05, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Vidhan Question by Vidhan on Oct 18, 2025Hindi
Relationship

Dear Ma'am, I have been married for 10 years and have a 4-year-old son, with another child expected soon. About six years ago, I was working with an organization where I became acquainted with a female colleague during our daily commute. Our interactions were initially professional, occasionally casual, and over time, we developed a friendly rapport. There were moments of physical closeness, such as holding hands, although she was unaware of my marital status at the time. After I left that organization, our communication became infrequent. During the COVID-19 pandemic, she experienced a medical emergency in her family, and it was during that emotionally vulnerable period that I unintentionally expressed my feelings for her. She is now nearly 40 years old and dealing with multiple health issues, including being overweight and other medical complications. Although she knows that I care about her, she has not accepted my proposal, fully aware that I am married and unable to commit to a marital relationship with her. Despite this understanding, she often invites me out for movies, dinners, and expects gifts. Recently, our interactions have involved romantic gestures such as hugging and neck kisses. However, she continues to describe herself as asexual and uninterested in a physical relationship, while also expressing a desire to get married — which appears contradictory. She often says she wants to remain friends and doesn’t want me to leave her, but at the same time, her expectations and emotional dependency are becoming increasingly difficult to manage. I want to let her know that I’m looking for more than just a friendship because I feel emotionally vulnerable and need her commitment to feel secure. I believe that building a romantic and physical relationship between us could help her feel more supported. She’s going through a lot and doesn’t have much family support aside from her unmarried younger brother.

Ans: Dear Vidhan,
You still are married and then you seem to want another lady to commit to you despite her knowing that you are married.
Clean up your mind first...why would anyone want to commit to a married man? What security will she ever feel with you and around you?
Also, have you come clean to your wife about this...surely, she deserves to know, don't you think?
You feel that building a romantic relationship could her her feel more supported; did she ask you for that support at the cost of you losing your marriage?
Reevaluate your life and the choices that you are making...to me, it seems that you are getting into a mess that's going to take a while for you to get out of!

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

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Ravi

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Dating, Relationships Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Relationship
To start with I am in my early sixties . We have a large WhatsApp group of undergraduate college batchmates where sometimes news about batchmates / their families get posted . A married lady batchmate, located in one of the metro cities reached out to me over phone to offer her condolences / sympathies for loss of a family member that I had suffered . While I didn't personally know the lady , found the gesture empathetic & touching . So when the next physical batch meet took place I sought her out to thank her and we chatted for some time too ! Subsequently , we started being in touch , she mentioned that she found my gesture ( asking her to sit besides me to chat up very affectionate ) both through chat and calls and started sharing about each other , even personal matters . And now it seems that the relationship is moving in to a clear zone of intimacy ! And we talk pretty affectionately and frequently these days and it seems we make a good chatting pair . She is pretty attached to her grown up children and probably with a non intimate, dysfunctional, unsatisfactory marriage dragging on . She says her relationship in her marriage has totally failed right from beginning but she has not been able to do anything about that so far . It seems that the children are with the mother ! I find her balanced, affectionate and would like understand if something akin to a long term relationship /companionship would be possible . So have asked her to share about me, about our mutual feelings to her kids . Have also sounded her that if her husband gets to know about this relationship - it might lead to a family issue including formal break up of her marriage. And I am truly concerned about that . But she is very wishy wishy in her ideas about possible course of action , way forward .And I don't want her to get hurt or disappointed nor I want to be placed in a emotional drag. My questions are 1. Can this relationship go anywhere ? And if yes , what is the minimum expected from her ? 2. Can we be just be chatting friends ? Doesn't seem so as we talk & share as if we are a couple ? 3. What should we both do to avoid any possible emotional trauma to each of us ? (A still active and adorable senior citizen without strings and without a care in the world )
Ans: Dear Anonymous,

I am glad you found a genuine companion. I understand that you both care a great deal about each other and that is rare in today's day and age. Now coming to your questions-

1) It most definitely can. But that depends on the course of action your partner is willing to take. I assume that neither one of you would like to formally tag it as a relationship till she is married to another man, no matter how the marriage is. So, in that case, your partner must have a clear discussion about the same with her husband and you can proceed from there. But going ahead and having a romantic relationship while she is married to someone else would not be ethical and even when she has every right to seek happiness in her life, it would be her who faces all the societal judgment.

2) You can be two friends chatting with each other. Friends do share a lot, even personal matters. Having said that, it did not sound to me that you are in that platonic friend zone anymore. You have grown to like each other a little more and given the circumstances, it is perfectly alright. But to be more than friends, it is important for your partner to first speak to her current husband and consider separating. But at the end of the day, it is her decision. If she doesn't want to formally end it, you would have two options. One, love each other in secret and never have the chance to show off your love to the world. Two, break it off and either try to remain friends or sever ties altogether.

3) Don't have unrealistic expectations. We are all guilty of it time and again. In this case, even though her marriage isn't perfect- you know and she knows it too- it isn't easy to let go of a relationship people spend years to build. Take things slow and let her make her own decisions. If you expect she will leave her marriage for you, you are setting yourself up for disappointment. It might happen, but then again, it might not. Focus on being each other's companion. You can't help how you feel, but that does not mean you have to act on it right now.

One more thing- if you can see yourself getting hurt, I would suggest reconsidering the relationship. Every relationship has in its capacity to cause emotional trauma. That's the thing about romance- it can make or break you.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

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

Relationship
Dear Ma'am, I have been married for 10 years and have a 4-year-old son, with another child expected soon. About six years ago, I was working with an organization where I became acquainted with a female colleague during our daily commute. Our interactions were initially professional, occasionally casual, and over time, we developed a friendly rapport. There were moments of physical closeness, such as holding hands, although she was unaware of my marital status at the time. After I left that organization, our communication became infrequent. During the COVID-19 pandemic, she experienced a medical emergency in her family, and it was during that emotionally vulnerable period that I unintentionally expressed my feelings for her. She is now nearly 40 years old and dealing with multiple health issues, including being overweight and other medical complications. Although she knows that I care about her, she has not accepted my proposal, fully aware that I am married and unable to commit to a marital relationship with her. Despite this understanding, she often invites me out for movies, dinners, and expects gifts. Recently, our interactions have involved romantic gestures such as hugging and neck kisses. However, she continues to describe herself as asexual and uninterested in a physical relationship, while also expressing a desire to get married — which appears contradictory. She often says she wants to remain friends and doesn’t want me to leave her, but at the same time, her expectations and emotional dependency are becoming increasingly difficult to manage. I want to let her know that I’m looking for more than just a friendship because I feel emotionally vulnerable and need her commitment to feel secure. I believe that building a romantic and physical relationship between us could help her feel more supported. She’s going through a lot and doesn’t have much family support aside from her unmarried younger brother.
Ans: Dear Vidhan,

The first thing I want to tell you gently, yet firmly, is this: your connection with her has crossed boundaries that are not healthy for either of you. Emotional intimacy that grows within secrecy or ambiguity always creates confusion and pain. It’s not just about morality—it’s about clarity, safety, and truth. You are a married man, a father, and soon to be a father again. You’re carrying responsibilities that require emotional presence and stability. The relationship you’ve described, as kind as your intentions may be, is already creating emotional dependency and confusion—not love, but attachment mixed with guilt and need.
She seems to be emotionally fragile and perhaps lonely, and you’ve become a source of emotional comfort for her. But that comfort has blurred into something that neither of you can sustain without hurting yourselves or others. Her saying she’s asexual yet seeking closeness reflects her own confusion and emotional needs; it’s not something you can fix through physical or romantic gestures. In fact, trying to “build” that relationship further would only deepen her dependency and your inner conflict.
The best step forward is to bring the relationship back to clarity and boundaries. You can express this compassionately but clearly: tell her that you genuinely care for her as a person and want her to find peace, but that the emotional and physical closeness between you is not sustainable or fair to either of you. Offer her respect, not rescue. If she truly needs support, guide her toward professional help or emotional networks, not a relationship built on secrecy and unmet expectations.
You also need space to reflect on what led you here. Emotional vulnerability during midlife often arises from unmet needs—loneliness, stress, or feeling unappreciated in marriage. But the healing for that comes not from escape, but from understanding yourself and rebuilding emotional honesty at home.

..Read more

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Samraat

Samraat Jadhav  |2600 Answers  |Ask -

Stock Market Expert - Answered on Sep 10, 2026

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Money
I wanty to invest approx. 5 lakhs in different mutual funds which will give me average XIRR of 12 to 15%. Please csuggest me name and scheme of MF
Ans: Rs.5 lakh is a good starting amount. However, 12–15% XIRR should be treated as a long-term target, not a guaranteed return.

» Suitable fund categories

For a 5+ year horizon, I would consider a diversified active-fund portfolio such as:

Multi Cap Fund – 30%
Flexi Cap Fund – 25%
Large & Mid Cap Fund – 25%
Mid Cap Fund – 20%

This gives exposure to different company sizes and investment styles.

» If you want a simpler portfolio

You do not need 4–5 funds just because you have Rs.5 lakh.

A 3-fund structure can be sufficient:

Flexi Cap Fund – 40%
Large & Mid Cap Fund – 30%
Multi Cap or Mid Cap Fund – 30%

The actual scheme selection should depend on your time horizon, risk level and existing investments.

» About the 12–15% XIRR target

For equity mutual funds, 12–15% can be a reasonable long-term planning assumption over 7–10+ years.

But no mutual fund can promise this XIRR.

Short-term returns can be negative.
Even good funds can underperform for some periods.
Do not select a fund only because its recent return is 15% or more.
Fund consistency and downside management are equally important.

» How I would invest Rs.5 lakh

If you are comfortable with market fluctuations and the investment horizon is long, you can invest gradually through STP over several months if you are concerned about entering the market at one time.

If the money is needed within 3–5 years, I would not target 12–15% by taking aggressive equity risk.

» Final Insights

As an Investment professional and AMFI-Registered MFD, I would first assess your existing MF holdings before adding new schemes. This avoids unnecessary duplication and overlap.

If you share your age, investment period, whether Rs.5 lakh is lump sum or SIP, and your existing MF holdings, I can suggest a more suitable asset allocation and fund-category combination.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Asked by Anonymous - Sep 10, 2026
Money
I have 15 lacs to Lumsum investment for my daughters higher education.I want to invest in STP in 3 funds .One hybrid Fund which has 15l value and from that STP to two fund Any multicap or Large and Midcap Fund .Please suggest ? Any other Idea will also appriciate.Thanks
Ans: Your approach of using STP for your daughters higher education goal is a good way to move a lump sum into equity gradually. The main point is to match the asset allocation with the time left for the education goal.

» Suggested structure

Keep the Rs.15 lakh initially in a suitable hybrid fund.
Use STP from the hybrid fund into two diversified equity categories.
A combination of Multi Cap and Large & Mid Cap can work well.
You need not use too many funds. Three funds are enough for this goal.

For example:

Hybrid Fund – Rs.15 lakh initially
Multi Cap Fund – STP destination
Large & Mid Cap Fund – STP destination

» How to use STP

I would prefer a systematic STP over a very short period.

If the education goal is more than 5 years away, equity allocation can be meaningful.
The Rs.15 lakh can be shifted gradually over around 12 months.
You can divide the STP between the two equity categories.
Avoid changing funds frequently based on short-term market movements.

STP is mainly useful for managing entry risk. It does not remove market risk.

» Do not ignore the education timeline

This is the most important part.

If higher education is:

More than 10 years away – higher equity allocation can be considered.
Around 5–10 years away – balanced equity and hybrid allocation may be better.
Less than 5 years away – avoid taking high equity risk with the entire corpus.

As the education date comes closer, gradually move the required amount towards safer investments. This protects the money already created.

» Multi Cap vs Large & Mid Cap

Both categories can complement each other.

Multi Cap gives exposure across large, mid and small companies.
Large & Mid Cap gives a relatively stronger focus on large and mid-sized companies.
Combining both can create some overlap, so the portfolio should be reviewed periodically.

I would not select funds only based on the latest 1-year or 3-year returns. Fund quality, portfolio consistency, risk management and long-term performance matter more.

» One alternative idea

Instead of keeping the complete Rs.15 lakh in one hybrid fund, you can also consider a two-stage approach.

Keep the amount in a suitable hybrid/debt-oriented allocation initially.
Start STP into diversified equity funds.
Once the required equity allocation is reached, stop the STP.
Continue monitoring the overall portfolio rather than continuously adding new funds.

This keeps the portfolio simple and easier to manage.

» 360-degree education planning

The Rs.15 lakh should not be viewed separately.

Also consider:

Current age of your daughter.
Expected year of higher education.
India or overseas education.
Present education cost and future cost.
Other investments already available for this goal.
Your monthly SIP capacity.
Emergency fund and adequate insurance.
A separate safe corpus as the education date gets closer.

If the goal is 8–12 years away, this Rs.15 lakh can become a strong foundation. Regular SIPs along with it can make the education corpus much stronger.

» Final Insights

Your basic STP idea is sensible. I would prefer a simple 3-fund structure rather than holding many schemes.

The exact equity allocation and STP period should depend mainly on your daughters age and when the higher education money will actually be required.

As an AMFI-Registered MFD, I would also suggest reviewing this goal at least once a year and reducing equity exposure as the goal approaches.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2026

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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