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

Anu Krishna  |1587 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 30, 2022

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
Anon Question by Anon on Nov 30, 2022Hindi
Listen
Relationship

Hi Ma'am,
I'm a 23-year-old woman. For as long as I remember, I have been called out, insulted and shamed by my family. They have always threatened to stop all kinds of financial support if I ever disobeyed or questioned them. I have always tried my best at my studies and for my career. Even though, after seeing my achievements, their opinion of me has improved. But they're never truly happy. There's always something wrong with me. While I understand, my family only wants the best for me and probably this their way of caring for me. But the constant criticism has always impacted my self-confidence and self-image. I have missed out on several opportunities during my college years and failed to be proactive solely because of low self-esteem. I was bullied by my college mates during this period and I fell into depression and anxiety. I also developed bulimia and starved myself, hoping that losing weight could grant me more acceptance from my family and peers. In 2021, after completing my undergraduate degree, I was diagnosed with Meniere's disease and suffered hearing loss in my left ear.
Furthermore, I was getting rejected from the universities I had applied to. But this turn of life changed me for better.
I learnt to value myself more and ignored other people's opinion. I invested in mindfulness and spirituality and appreciated all the blessings that I had. I had improved my self-image and self-confidence greatly. Unfortunately, I had to shift to my family home and live with my extended family members. Now the nitpicking and taunts have increased even more and have kind of ruined all the improvements I made over the year.
I have become more irritable and I am losing my patience with them. They have triggered all my sensitive issues again and this has greatly impacted my self-esteem all over again.

With God's grace, I have received an opportunity to shift abroad and pursue a postgraduate education. I don't want to keep any kind of hard feelings against my family before leaving. I know that their opinions don't define me but yet I end up crying after every insult and argument. I want to heal and I want to forgive and forget. I have tried talking to them and have even apologised to peacefully end arguments. Yet, they repeat those words every day and each day ends in failure. I know and understand that I cannot change them. But, how do I learn to accept them when they keep on hurting me?
Furthermore, the fact that they are financially supporting makes me feel guilty for questioning their behaviour. I am struggling with depression and anxiety again and I'm finding it hard to consider their emotional standpoint when my own mental well-being is messed up.
How do I cope up with my mental health when I being disparaged every day?

I would like to hear your opinion from a third person point-of-view and any advice would be appreciated.

Ans:

Dear Anonymous,

I can only imagine the challenges that you have been through and to turn within yourself for answers and deep inner work is nothing but the best gift that you have given yourself.

You cannot change them nor their thinking and possibly you are right that it might be the way that they care for you.

For now, till the time you leave home to pursue your life’s goals, keep things warm and simple even if the environment feels hostile or punitive.

Practise the following suggestions:

  • Journal your thoughts and feelings everyday
  • Surround yourself with friends who make you feel good about yourself
  • Play a sport or indulge in some physical activity to keep your anxiety levels down
  • Do some breathing exercises to calm your nerves
  • Lastly, forgive them for your own peace of mind; very hard but very blissful.

All the best for a wonderful future!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1587 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

..Read more

Anu

Anu Krishna  |1587 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 2022

Listen
Relationship
Hi Anu, I'm here to let my feelings out. I'm 23 years old, working in IT. I have never been a person orientated towards studies not just now but even as a kid. I never knew that this would take a toll on my life like this. I'm. Not happy with my job. I'm not passionate about it. Clearly I'm not performing well. Neither am I trying to. It's been a long time since I felt like I have things in control. Right now I can't control myself, my feelings, my thoughts, my brain process. After the lockdown began I have totally lost everything that I was left with. It's been a very long time since I have been happy about what's happening in life. I don't know what to do. I was depressed for 3 years due to break up. I think meeting that person made my life upside down. It was a very bad influence on me. He was a narcissist. Which is what has made like this today I guess. I have nothing in control, I don't know if I'll be able to make things right in my life, if I'll ever be better again. There's too much confusion, fear, pain and sadness inside of me. I'm stuck in the same place for years now. I have no confidence to do anything. I don't believe in myself, I cannot talk to myself in a good way. If something wrong happens to me today, I accept it. I do not have the strength to fight against or for anything. I feel hollow. I feel like there is absolutely nothing inside of me left. I feel like there nothing I can do to make my life better. The solution to make this right for my family is to k*** myself. Because I don't see hope. Even though I have dreams, I don't believe in myself that I will be able to fulfil them. Because I don't have the spark of life in me. Everything inside me dead. I don’t know what to do. I don’t even know if you'll be able to help me. But I'm not able to deal with myself. The pity I have on myself. The disgust I have on myself.
Ans:

Dear S,

It’s like being unsettled has become a way of life. And you haven’t become aware that what you are living with in terms of uncertainty is mostly self-created.

You are seeing it with academics, work, relationships. It’s a pattern which must be broken provided you wish to see a massive change in your life.

Ask yourself:

1. What do I seek from life?
2. Where do I see myself in the professional space?
3. What do I wish for in a relationship/partner?

Now, check if your thoughts and behaviours align with what you wish for.

For eg: If you are looking at losing weight, if your behaviour is no exercise and reaching out for a midnight snack, you will never get to what you wish for.

So, if you want to feel more certain and have a certain level of wellbeing and grip in your life, you need to come up with some sort of fool proof plan and stick with it.

If you haven’t been very fine with academics, surely you can still put your best foot forward in your workplace taking more initiatives and thinking about how to grow there.

With relationships, start asking yourself, how can I add value to my partner?

It’s time you took responsibility for your choices and its results. So, if you want massive changes in the results, change the way you think and do things.

Am I getting through to you here?

Nothing is dead; you just have to inspire yourself to think and do different.

So, self-pity isn’t going to get you anywhere.

If he was a narcissist, good things didn’t work out…time to move on rather than make more excuses for your life not going anywhere.

Do you know now what you must do? Just Step Up!

Best wishes!

..Read more

Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 30, 2024

Asked by Anonymous - Apr 30, 2024Hindi
Listen
Relationship
Dear Madam, Iam a 45 year old woman. Ever since I was a kid I had went through lot of bullying by my rekatives for the way I look but my parents never supported me in any way instead found fault in ne for complaining but would always support my younger brother. Somewhere down the line I thought this was all I deserved and let oeople walk all over me without standing up for myself. Now that Iam a mother myself of a 15 year old kid with dyskexia, i have sacrificed my career fir his sake and still get bullied by my relatives dir being a useless house wife. I have started drawing boundaries around me to protect my mental sanity and allow only few people in it which invludes a small group of friends and my son and husband. I avoid making new friends. I have also stopped attending any social events that involves my relatives. Meanwhile I have started deeply resenting my parents who want ne to take care of them but openly favour my brother who lives abroad. I have taken care of them everytime they require neducal treatments yet my father openly says that he plans to give all his property to my brother who is never coming back. Its not about the money here but the apathy they have towards me that kills me from inside. I have tried to talk to them multiple times but each time my mother creates a scene and puts the enture blame on me. For once in my life i want my parents to love me unconditionally the way I do with my son. Am i wrong to expect that? This is causung lot of health issues in me. Please advise.
Ans: First and foremost, it's crucial to recognize that your feelings are valid. It's natural to want love and support from your parents, especially after all you've done for them. It's not wrong to expect unconditional love from your family; however, sometimes, unfortunately, families can be complex and dysfunctional, and our expectations may not always be met.

Drawing boundaries and prioritizing your mental health and well-being is a positive step. It's essential to protect yourself from toxic relationships and environments, even if it means distancing yourself from certain family members. Surrounding yourself with supportive friends and loved ones, like your son and husband, is vital for your emotional health.

Regarding your parents, it's clear that their behavior is hurtful and unjust. It's understandable that you would feel hurt and resentful toward them, given their favoritism towards your brother and lack of appreciation
for your sacrifices and care. However, it's also essential to recognize that you cannot control their actions or attitudes. You can only control how you respond to them.

While it's challenging, try to approach conversations with your parents from a place of empathy and understanding. Express your feelings calmly and assertively, focusing on how their actions make you feel rather than blaming them. It's possible that they may not even realize the extent of the hurt they're causing you. However, it's also essential to set realistic expectations. If your parents continue to be unsupportive or dismissive, it may be necessary to limit your interactions with them for the sake of your own well-being.

Remember to prioritize self-care and seek support from a therapist or counselor if you're struggling with your mental health. It's okay to seek professional help to navigate through these difficult emotions and experiences. You deserve love, respect, and validation, and it's essential to surround yourself with people who uplift and support you.

Lastly, continue to cherish the love and bond you have with your son and husband. They are your pillars of support, and together, you can navigate through these challenges. You're stronger than you realize, and you have the power to create a fulfilling and loving life for yourself, regardless of the negativity from others.

..Read more

Anu

Anu Krishna  |1587 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 05, 2024

Asked by Anonymous - Dec 03, 2024Hindi
Listen
Relationship
I'm 25 YO, I've completed my medical degree in BAMS recently and brother is 17YO still in school. I've seen very severe favouritism of my parents towards my brother. I know he's a boy and all and in India, being a boy makes all of your wrong doings right! It's very emotionally distressing for me that even I'm the older child, my parents asks and discuss things with my younger brother but not me :( since the time he was born, I've always been neglected, I used to be a star kid, the getting 10/10 marks in everything. But eventually my self esteem degraded, and I stopped working hard, they have always pointed me out for my looks and my behavior, which was very hurtful. I've been away from my family for 5 years and it literally changed me, I was not depressed anymore, although my self esteem also affected my academic performance and my relationship choices, but somewhat I was happy. But now I'm home, and again, my parents points out my mistakes, my academic that I didn't get MBBS, that I don't even look good, and I'm crazy, I don't even have brains. And my brother who didn't even score 50% is asked and being discussed over everything what to eat, where to go, what car to buy, what TV to buy etc. I feel so sad and stuck here. I feel like for my father and mother, I'm invisible. Everyday I feel like when this life will end. It's even harming my studies. All I do is day dream about being loved by someone. I just want to focus on me and my studies. But I'm not able to do it.What can I do?
Ans: Dear Anonymous,
If there's evident distinction in the way that your parents treat you and your brother, then it's pretty unfortunate.
One way is to actually talk to them about it and tell them how you feel, but I am unsure if this is going to work. The other way is to reassure yourself with your own self-love and be happy that you are academically strong. Use your degree wisely and to make a mark on your own by serving the society in your own way.
Someday, your parents may realize this and pay attention to you. But if you feel that things are going well for you emotionally, I suggest that you work with a professional who can guide you and your energies back into yourself without relying on anyone. This will help you tide over the hurt and the pain and move into a space of confidence.

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
Janak

Janak Patel  |29 Answers  |Ask -

MF, PF Expert - Answered on Apr 11, 2025

Listen
Money
Hello sir, im a doctor 37year.started practising last year. So no previous investment. I want suggestion for investment and regarding nps . Should I opt nps or go for mutual funds.. as I can't keep track on stocks. Please guide . I have corpus for child .and want retirement funds good for my standard
Ans: Hi Dr.

As you can't keep track of stocks, lets rule out direct stock/equity investment.

NPS - its a good tool for people who want regular income during retirement as pension. So thru your earning life you contribute to NPS and save for the future - contributions are until retirement age. There are prescribed allocation to Equity and Debt funds (similar to mutual fund schemes) that are managed by Fund managers. On retirement age you can withdraw 60% of the funds without any tax liability (its an option) and the remaining funs in the NPS will provide you with pension income. The pension income is considered a source of income in your hand and hence taxable as per prevailing tax laws.

Mutual fund - this investment option doesn't have a time limit for you to contribute. The allocation to different type of Mutual fund schemes are also at the discretion of the investor. Some schemes like ELSS do provide tax benefit under old tax regime. The withdrawal from Mutual funds do have tax implications but they are consider more tax efficient as they are not considered as income. Tax is on the gains (capital gains) only. Regular income can be derived from Mutual funds at the time of retirement using SWP (Systematic withdrawal plan) option or withdrawing a lumpsum amount - its flexible and again at the discretion of the investor.

I would recommend you consult a CFP, who can help prepare a personalized Financial plan for your requirements. A CFP will do a detailed study of your requirements, preferences and also do a risk assessment. This will include all your requirements and provide you with options and alternatives and recommend the right product mix to achieve them. You will need to have a plan of investment that meets your goals (retirement and child specific), plan risk covers for securing future of your family (Life and health) and consider tax implications of investing and subsequent utilization of the corpus for goals. So its an elaborate plan that will be personalized for you which will help you understand the right time for retirement and what to expect pre and post retirement.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Janak

Janak Patel  |29 Answers  |Ask -

MF, PF Expert - Answered on Apr 11, 2025

Asked by Anonymous - Mar 25, 2025Hindi
Listen
Money
I am 40 yr old divorced man with a 10 year old son. I live in my own house in a tier 2 city. I have savings of around 5 Cr and no liabilities. I am expecting to live until I am 80. Can I retire now expecting 3 lac monthly income matching inflation for the rest of my life? I have accounted my son's education, medical insurance and yearly vacation in India. Would that be enough? If not, then how much should I save until I turn 45 yr old. Thank you!
Ans: Hi,

At age of 40, you have already accumulated 5 Cr with no liabilities and your own house, that is a tremendous achievement.

The monthly income of 3 lakhs (inflation adjusted) for 40 years - as mentioned will cover your requirements of son's education, medical insurance and vacation. If we assume inflation of 6% and average return on your corpus of 12% over the next 40 years, you will require approximately 6 Cr (not considering tax implications).

Please understand this amount will be exhausted over the next 40 years, so if you plan to leave behind any legacy for your son/grand children then you will need more.

Also your corpus amount needs to be well diversified into aggressive and conservative investments to support your monthly requirements over the next 40 years. Please consult a CFP for guidance in this matter as along with your monthly income expectation, you will need to plan for tax implications. The overall strategy for investment and subsequent withdrawal needs to be planned taking all these factors into consideration. A CFP will be able to craft your personalized plan to meet your requirements and provide options and alternatives to achieve them.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Janak

Janak Patel  |29 Answers  |Ask -

MF, PF Expert - Answered on Apr 11, 2025

Asked by Anonymous - Mar 24, 2025Hindi
Listen
Money
I want guidance on retirement planning. Having corpus of 3 CR in liquid, 45l savings in FD. With no bank loans and own home. Have 2 more houses and getting rent of 37k .Kids are in class 1 and class 0 I need to provide support for their education which might overall cost around 2 CR. Is my corpus enough to retire now and take care of cost of living. My age is 37 years. My monthly expense is around 1.5 lakhs. I have medical insurance policy of 20 lakhs. And I have two polices like yearly 10L for next 5 years for the kids
Ans: Hi,

Current state of your finances
Liquid Corpus - 3 Cr
Savings FD - 45 lakhs
Rent income - 37000

Monthly expenses - 1.5 lakhs

If we consider the above, then the monthly expenses will be covered for about 35 years (assuming inflation of 5-6% and average returns of 8%). This doesn't include the education expenses for your 2 children.

Retirement is now typically planned for up to age of 85 years (i.e. 43 years for you). Hence in your situation you have a challenge to support monthly expenses for retirement and children education.

You have 2 more houses and without knowing your intent for their usage/sale and their value it becomes difficult to indicate if they would be sufficient to support the 2 major goals you have listed.
Also with current lifestyle and medical expenses, the health insurance of 20 lakhs may need to be ramped up to a much higher amount.
Also you have not shared much details of your Insurance policies to understand if they are the appropriate ones and if the risk cover is sufficient.

Another important aspect to consider for early retirement is - how will you keep yourself occupied. You will have a lot of time on hand and do you plan to monetize your time by engaging in some financially rewarding activities. This will also have an impact on the overall state of your well-being - financially and psychologically.

I would highly recommend that you consult with a CFP who can guide you with a well defined Financial plan, this will include all your requirements and provide you with options and alternatives. You will need to have a plan of investment that meets your goals, plan risk covers for securing future of your family (Life and health) and consider tax implications of investing and subsequent utilization of the corpus for goals. So its an elaborate plan that will be personalized for you which will help you understand the right time for retirement and what to expect pre and post retirement.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

Listen
Career
What is minimum requirement for a Tamilnadu state board student to enter mbbs in AFMC?
Ans: Hi Ani,

Regardless of whether you are from Tamil Nadu or another state, there are certain requirements you must fulfill. First, you need to be eligible for NEET. After that, you must pass the AFMC entrance test, and finally, you need to meet the medical fitness standards.

Most importantly, you are required to serve the nation for a specific period after completing your studies. Age criteria are also significant.
Please see the requirements outlined below:
Age: 17-24yrs
Academic qualitfication: FIRST ATTEMPT with English, Physics, Chemistry and Biology/ Bio-technology taken simultaneously and securing not less than 60% of the aggregate marks in these three science subjects taken together and not less than 50% marks in English and 50% marks in each of the science subjects. They must have also passed an examination in Mathematics of the tenth standard.
Candidates seeking admission for MBBS course at AFMC Pune will have to mandatorily qualify the NEET UG 2024 Examination conducted by National Testing Agency (NTA). 11. Eligible candidates who are interested to join AFMC, Pune to pursue the MBBS course will have to mandatorily register and apply for AFMC, Pune on DGHS

The shortlisted candidates will be called for screening which comprises of Test of English Language and Reasoning (ToELR), Psychological Assessment Test (PAT), Interview and Medical Examination at AFMC, Pune.

ToELR & PAT - Test of English Language and Reasoning (ToELR) in the form of Computer Based Test (CBT) and also Psychological Assessment Test (PAT) to be conducted at AFMC, Pune only for candidates shortlisted for interview. (t) Written Examination Score - Score obtained in NEET (UG) 2024 (720 marks) added to ToELR Score (80 marks) divided by 4 to get a score out of 200. (u) Final Score - Written examination score (200 marks) + Interview marks (50 marks).

MEDICAL FITNESS: MANDATORY AS PER AFMC

POOCHO. LIFE CHANGE KARO.

...Read more

Ramalingam

Ramalingam Kalirajan  |8206 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2025

Asked by Anonymous - Apr 10, 2025Hindi
Money
I'm 41 years old. My portforlio consist of 27L in mutual funds, 35L in stocks and 5L in NPS. I want to have a corpus of 30cr by 60. My monthly mutual fund SIP is 1.2L and NPS is 20K. Can you advise if my curent SIP will help in achieving my desired corpus by 60.
Ans: You are 41 and aiming for a Rs. 30 crore corpus by age 60. That gives you 19 years to build your wealth. You have a strong monthly SIP of Rs. 1.2L in mutual funds and Rs. 20K in NPS, which shows high commitment. Let’s analyse in detail whether your current strategy is enough, and what changes, if any, are needed.

Portfolio Snapshot
Age: 41

Goal: Rs. 30 crore by age 60 (retirement corpus)

Current Investments:

Mutual Funds: Rs. 27L

Stocks (direct equity): Rs. 35L

NPS: Rs. 5L

Monthly Investment:

Mutual Fund SIP: Rs. 1.2L

NPS Contribution: Rs. 20K

360-Degree Assessment: Can You Reach Rs. 30 Crores?
Let us now break your journey into parts:

1. Time Horizon – You Have 19 Years
That’s a decent long-term window.

Compounding will support you well over this period.

However, the earlier years are more powerful.

Your current age requires disciplined allocation, with some risk.

2. Current Corpus – Rs. 67L in Total
Mutual funds: Rs. 27L

Stocks: Rs. 35L

NPS: Rs. 5L

Total: Rs. 67L

This base amount gives you a strong head start.

You are not starting from zero. That’s an advantage.

3. Monthly Contribution – Rs. 1.4L Combined
Rs. 1.2L in mutual fund SIPs

Rs. 20K in NPS

That’s Rs. 16.8L per year

Over 19 years, that’s Rs. 3.19 crore invested capital

Now the key is the return you generate

4. Required Growth Rate – Let’s Evaluate That
To grow Rs. 67L + Rs. 3.2 crore to Rs. 30 crore in 19 years,

You’ll need an average return around 13% to 14% annually.

That’s achievable, but not guaranteed.

It depends on:

Fund categories

Asset allocation

Risk management

Market behaviour

5. Mutual Fund SIP – Is It Positioned Well?
You are doing Rs. 1.2L monthly in mutual funds.

It’s important to know how this SIP is spread:

Large-cap funds?

Flexi-cap funds?

Midcap, small-cap, or focused funds?

Any sectoral or thematic funds?

You need a strong tilt towards equity for this goal.

A suggested split (approximate):

40% flexi-cap + large-cap for stability

40% mid-cap and small-cap for growth

20% focused or thematic for alpha potential

SIP in actively managed funds through a Certified Financial Planner is key.

Avoid direct funds. They don’t offer ongoing reviews and rebalancing.

6. Stock Portfolio – Rs. 35L
Direct equity adds potential for high returns.

But it also adds volatility and risk.

Ask yourself:

Is your stock portfolio diversified?

Are you tracking and rebalancing regularly?

Do you have exposure to quality sectors?

Are you avoiding over-concentration?

A well-researched, long-term approach is needed.

If your equity portfolio underperforms, it will impact the 30 crore target.

7. NPS Contribution – Rs. 20K Monthly
NPS is good for disciplined retirement investing.

It gives tax benefits and partial equity exposure.

But it has liquidity restrictions till 60.

NPS equity cap is 75% (tier I) – may not match mutual fund returns.

Don’t depend on NPS alone for growth.

Use it as a stable secondary engine.

8. Inflation Consideration – A Hidden Threat
Over 19 years, inflation can reduce the purchasing power of money.

Your Rs. 30 crore should be inflation-adjusted.

So, real value might be around Rs. 10 crore in today’s money.

That’s still a strong and ambitious target.

9. Risk Management – Vital in This Journey
You are aiming high. So, managing downside risk is critical.

Follow asset allocation and rebalancing.

Add short-term debt or arbitrage funds gradually for stability.

Stay diversified across sectors and market caps.

Use SWP approach after 60 to withdraw smartly.

10. Things You Must Review Annually
Fund performance – replace consistent underperformers.

Asset allocation – rebalance equity vs. debt mix.

Goal progress – are you on track or lagging?

Market trend – adjust SIPs, if needed, during prolonged downtrends.

Tax planning – optimise long-term capital gains and exemptions.

11. Avoid These Common Mistakes
Over-exposure to single stock or single sector.

Stopping SIPs during a market fall.

Investing in direct mutual funds without professional guidance.

Reacting emotionally to market volatility.

Ignoring NPS or mutual fund reviews for many years.

12. Strategies That Will Help You Reach 30 Crores
Stay fully invested in equity-oriented funds for at least 14-15 years.

Use staggered allocation in mutual funds through SIP and STP.

Review your SIP growth annually and increase if surplus exists.

Keep emergency funds separate. Don't touch your investment portfolio.

Avoid ULIPs, endowment plans, or investment-linked insurance.

13. Should You Increase Your SIP Further?
Yes, if you can spare more each year, do step-up SIPs.

Even a 10% annual SIP increase will have massive impact.

Try to reach Rs. 2L/month SIP over next 5 years.

That alone can help you comfortably touch Rs. 30 crore or more.

14. Plan for Retirement Withdrawal Now Itself
Once you hit Rs. 30 crore, have a clear exit plan.

Use a bucket strategy post-retirement:

Short-term for next 2 years

Medium-term for 3–5 years

Long-term growth beyond 5 years

This ensures safe, inflation-beating, and tax-efficient retirement income.

Finally
Your current investments are strong and well-disciplined.

But Rs. 30 crore in 19 years needs growth, not just savings.

Equity mutual funds and stocks must stay efficient and well-reviewed.

A 13–14% average return is needed — possible, but needs active monitoring.

Review your SIPs yearly. Increase them as your income grows.

Get portfolio reviews regularly from a Certified Financial Planner.

Avoid short-term panic. Think long. Think big. Stay consistent.

With this discipline and structure, yes, you can reach your Rs. 30 crore goal.

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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