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Enjoying life and finding the perfect match at 65

Kanchan

Kanchan Rai  |545 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2024

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
ASHOK Question by ASHOK on Aug 05, 2024Hindi
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Relationship

Dear Ma'am Ms Kanchan I am 65 and still working on senior position getting very handsome salary plus perks ,having own pent house at Noida own car and with lavish life but my wife is no more she died last year and i have two adult married children's and well settled in NCR . please advise how can i have good life and what is the procedure i should adopt to get a match lady without children's and stay with me as excellent life partner .

Ans: Ashok Ji,
First, it's important to acknowledge your feelings and needs. Losing a spouse is incredibly difficult, and it's a positive step that you're looking to find companionship again. Your desire for a life partner who can share your lifestyle and provide mutual support is completely understandable.

To start this journey, consider what qualities and values are most important to you in a partner. Reflecting on your past relationship experiences can help you identify what worked well and what you might want to avoid this time around. Understanding your own needs and preferences will guide you in finding someone who is truly compatible with you.

Given your professional standing and lifestyle, you may want to explore avenues where you can meet like-minded individuals. Networking within your social and professional circles can be a good start. Friends and colleagues might know someone who is also seeking companionship.

Online platforms specifically designed for senior dating could also be helpful. These sites allow you to specify your preferences, such as looking for a partner without children, and can connect you with potential matches who share similar interests and values.

Another option is engaging in social activities, clubs, or groups that align with your interests. Whether it's a hobby, a sport, or a community service group, participating in these activities can naturally lead to meeting new people who share your passions.

When you meet someone who seems like a potential match, take the time to build a genuine connection. Open and honest communication is key. Share your thoughts, feelings, and expectations for the future, and encourage your partner to do the same. Building a strong emotional bond and mutual understanding will lay a solid foundation for a lasting relationship.

Lastly, be patient with yourself and the process. Finding the right person can take time, but maintaining a positive outlook and being open to new experiences will make the journey more enjoyable.

If you feel comfortable, seeking guidance from a relationship coach or counselor could also provide personalized support and advice as you navigate this new chapter in your life.

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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....
Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest

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