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

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 27, 2021

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
B Question by B on Aug 27, 2021Hindi
Listen
Relationship

For many years I was in love with my best friend who I thought wasn’t interested in me.

I did not pursue her when I should have because I cared for our friendship.

After I got married I was never really happy nor could I forget her.

I even told my wife about the girl I loved. She was okay about it because we both felt it was one sided.

Recently I discovered that she loved me all these years but both of us never had the courage to take it further.

When we got together, we realized how much we missed each other all these years.

Neither of us are happy in our marriage and this news has really disturbed me. I feel emotionally and physically distanced from my wife and I feel guilty about it because she is not at fault.

I have a son and I am not in a position to abandon him or my wife. But I am not able to sleep or stop thinking about starting a perfect life with her.

I have a stable career but now I am not able to focus on anything.

Anu mam, please guide me how to find a solution for both of us.

Ans: Dear B, Catch -22 situation indeed here.

Let’s draw out the perspectives here.

Both of you are married and when you had the chance, you didn’t tell each other.

Now, you have discovered that ‘missed out’ moment and want to make up for it now when families have grown.

How would you advise a friend, if he came to you with this situation?

Would you ask him to leave his family and move in with his lady love? Would you ask him to forget his familial responsibilities and search for love outside?

Again, it is not for me to give you solutions but to lead you to a place where you can find the solution yourself.

So, now that you friend has moved in with his lady love, will he forget his family?

His son for who he will always be a role model? Also, what will he tell his wife who had no role to play into the storm in her life?

The key is that there are 4 mature adults and I guess it’s time for you and the lady that you love to sit down and discuss what happens if you continue in your marriages or move away.

Discuss with your respective spouses as well, as they need to be party to this so that their thoughts and feelings are taken into consideration.

After all, they came into your lives, to become life partners. Whatever the decision, always bear in mind, if you continue in your marriage, do it with full heart as you need to rebuild it and if you move away, your son and his state of mind must be cared for, so make sure you create a wonderful environment for them and care for their needs always.

Also, ask yourself this: What will I lose if I move away from my marriage? What is it that I truly love in my wife?

Life is filled with temptations and sometimes we want some change, some spark…it’s possible in the existing relationship only if you choose to look at it that way. Ultimately, the decision is yours, but there’s a lot to consider and reconsider.

Go deep into a reflective mode and choose.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

Listen
Relationship
Hi I have been married to my college mate for more than 11 years now with a girl child of 8+ years.Wife and I were good friend for 2 years followed by live in for 4 years before we got married. We got into marriage unprepared financially and mentally.My wife is a great responsible caring person -- way more mature than I am. I am a bit childish and emotional, very talkative and expressive person.When I travelled to another city after 5 years of marriage for higher studies, I got involved with another girl. We were very much alike in terms of personalities. We could talk endlessly and were very compatible in all sense. We even got physical and felt like we’d never had this experience before. The thing is she too was recently married to another person quite like my wife.We tried to get separated from our previous relationships but the girl’s family couldn't bear the family pressure and her husband though good otherwise took this on his ego.I waited for 3 years for her to come out.In the mean time I was almost on the verge of breaking my marriage because whatever connection I had with my wife had almost come down to negligible.That girl too had to be in that forcible relationship with no connection at all and had to adopt a child to survive the dead relationship.I got into a messy situation too -- a marriage with no connection but a lovely child.I have a connection with that girl but without living together.I don’t know if I can start a new life and if I do, how much I will be involved with it. Absolutely messed up emotionally and physically. Although my wife and I are financially stable as both of us are officers.That girl too is a medical practitioner but I have no idea if she will ever be able to come out. Plz tell me what to do.I prayed a lot, read lots of books, tried meditation, counselling, still I am in the middle of nowhere.
Ans:

Dear HK,

Why exactly did you feel the need to get into a relationship with another person?

Did your current relationship lack anything that the other relationship was fulfilling you with?

How exactly did the relationship with your wife deteriorate? Did the two of you make efforts to communicate enough in that long distance relationship?

How do you say your marriage is one without connection? How did you lose that connection?

Now, do you plan on continuing in your marriage or move on? If you have decided to move on, isn’t it time for you to come out to your wife and share what has happened?

These questions are possibly ones that are very difficult to face and answer as they bring out the truth; but they will help you get a better grasp of the situation.

It’s nice to live an alternate reality life for some time and relish the goodness but coming back to your real life that holds the ‘real you’ and your responsibilities isn’t something that can be ignored any longer. So, as much as you feel that you are in the middle of nowhere, I see no mention of what your wife must be feeling right at this very moment.

It would help to put things in perspective and talk this out as adults, (and yes, you do owe her that) so that both of you can come to an amicable decision to live more peacefully.

All the best!

..Read more

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

Listen
Relationship
Dear Anu, I don’t know how to start. My Age is 40. This is my second marriage. My first marriage was arranged and it lasted 6 months.  As I was in love we got divorced. We have one son who is 10 years old. Now the issue is my second wife and I have both betrayed each other. I caught her first having a deep love affair with her yoga friend. That fellow is married and we know his wife and daughter. She has started him when she was training for yoga and later they both started classes together. Meanwhile, I am in a relationship with a colleague. Now she is in a different organization. Although she has stopped it, I continue to chat with her. We are both struggling to come to a decision since last 9 months but nothing is working out. We both confessed; she is guilty, I am not. We've had a very rough time. Now she is at her mother’s home. My problem is that I can neither let her go nor forget her. She wants her freedom as earlier but I am not ready. So I am sad while I continue to torture her by asking past questions. I am worried more about my son. I am stuck so I end up bullying her. Please advice. I want to move on. I don’t want to be in relationship but i am afraid of taking decision. Sometime I feel miserable.
Ans: Dear PC, I don’t want this and I don’t want that is a childlike way of dealing with things; you will be stuck in that mud forever.

You have to want to either move on with your marriage or not.

If you choose to stay, you have to train your mind and as a couple go for a Couples Counselling to rebuild the marriage.

It will require forgiving; hard as it is, it will help both of you relook as to why you fell in love in the first place.

Sometimes, it is essential to hit the refresh button and look at things with a new perspective. And if you have decided mutually, to separate, do make sure there is no mud slinging or finger pointing.

A marriage is between two adults who are invested equally in it and there is no one person to blame.

Be graceful about this and make it a graceful end where you support one another.

Whatever you decide, always make sure your son is well looked after especially his mind and what he needs to know and understand.

Seek the support of a professional who deals with children growing up in families where the parents are separating or are quarrelling.

Either case, please DO NOT let the child suffer as this has long-term consequences on his mind.

I hope you make a decision sooner as every day not only makes it harder for both of you but for your child as well. Take care and best wishes.

..Read more

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 08, 2023

Asked by Anonymous - Aug 07, 2023Hindi
Listen
Relationship
Hi. I am 41 year male married since last 15 years. I have a 8 year old daughter. My relationship with my wife isn't great as far as I am concerned. She was busy with her job and raising our daughter and while doing so could not focus much on our relationship. Our physical interaction almost stopped after our child birth and since last 5 years we never had intercourse. I engaged myself in casual relationship with few colleagues of mine and life was going on like that. But in 2021 , I engaged myself with another female colleague of mine and with her , I feel like what I have never ever felt with any other woman. I can't let her go. I long to meet her. I feel sad when she is away. And it's been 3 years. She loves me very much and I love her too. My wife got a wind of it and now she is trying hard to make up for the lost time and efforts. My wife loves me too. I don't want to separate from her because though she wasn't a great partner but she did manage our house and daughter diligently. Moreover, I don't want my daughter suffer too. She deserves both her parents. So, I discussed this with my wife and told her that , I believe we can't be a great couple but we can at least be good parents. Allow me to spend some time with my female colleague and let's continue as we have been doing since last decade. But she is not accepting this. And I can't let my colleague go. I do love her. She also loves me and is not inclined towards settling with me as she is married too and has 2 kids. Kindly suggest what to do.
Ans: Dear Anonymous,
There is some sort of trend of stepping out of marriage when physical needs are not met within the marriage. It's the easiest way out!
Why is it so hard to figure out what is happening when one of the partners in the marriage is not interested in intimacy?
Why doesn't the other partner try to understand, accept and work with the partner who is struggling through something?
And this goes for the husband and wife and partners within a relationship.

It isn't something written in stone that sex 'MUST' be a part of marriage BUT it certainly is a pillar to creating a stronger relationship. So, why assume and go searching for it? Then you will have all reasons to justify why you did it and how your partner is responsible for it.
Now, you are in a soup with two women vying for your time and attention. And with children involved, things only get complicated. Yes, your wife feels that it his her right to be in your life and your question is: where was she all these years? My question is: why did you stop trying all these years to put things together?

My suggestion: As much as you want to be in the other lady's life, she is clear that she does not want to settle with you. You are also clear that you don't want to separate from your wife but you want her to accept the other lady. Doesn't it seem highly impractical to you?

Before you end up hurting someone or yourself, do what's right for everyone and especially the children. They don't deserve a set of parents that is confused. Good people who come into our lives can end up becoming good friends as well.

All the best!

..Read more

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 21, 2024

Asked by Anonymous - Aug 12, 2024Hindi
Relationship
Hi Anu, I am 44 years old married Man with a 16 year old son. We had a love marriage, and I met my wife in college. She was beautiful when she was 18 and beyond gorgeous at 44 and has a very loving nature. She has attracted attention from young and old all her life and I know she would continue to do so. I also had the looks and charisma to woo a girl once upon a time, but years of work and family stress had made me an average middle-aged man. Around a year after our marriage, my wife had her first affair with a coworker, which I could find out immediately as in those days we used to have a common phone. She apologized and I forgot about it and never tried to dig deep into it. I later learnt she had developed a liking for a second coworker within a year (After I dig into the things that have happened to me over last 4-5 years). I still do not know if she had a second affair at that point of time, but she was in touch with that guy through messages and video calls till 2020. Our child was born 3 years after our marriage and for few years we had a harmonious relationship although we had our ups and downs. It was early in my career and I had taken a challenging job profile, where I was required to work for 10-12 hours on regular basis. I was there for her when she required but I was not omnipresent. There were times, when I neglected her as I was busy with my career. In addition, I slowly got more attached to my son, who was growing up and taking all the attention at home. In our relationship only she was complaining all the time and I simply kept doing things to please her. I wanted her to be independent and explore the world but residing under a same roof and raising the family and also allow me to achieve my career goals and fulfill the responsibilities of a Son. In between all these, we started to drift apart. Drifting apart didn’t mean we didn’t have sex or we became a non-functional family. We did have regular good sex 7 to 10 days apart and we travelled a lot together all these years as a happy family. Even after her known past affair, I never doubted on her integrity when she used to talk with her male friends/Office colleagues with doors closed. I got the first shock in our relationship, when she declined to move with me when I was transferred to a new location. I pleaded her to come with me as the location was on another corner of the country and it would not be possible for me to come and meet them even once in a month. But she didn’t agree. But God had other plans and after 2 years of living alone COVID stuck. During this period of uncertainty, she reluctantly agreed to move in with me. After I brought them with me, she kept avoiding me. She slept in a separate room and did not allow any kind of physical intimacy. This continued for about 4 months and then it stuck my mind :- Is she having an affair? One night I scanned all her call records, her facebook etc and I was devasted by what I found. She was having an affair with a guy who 12 years her junior and multiple hook-ups with others. When confronted she assured me she will end this but me and my Son caught her multiple times over the last 4 years even after the guy got married and relocated to another country. The last discovery was ugly as we had just come back from a vacation and my son just happen to find some obscene pictures of his mom sent to her married boyfriend. Even after all these, I try to remain calm most of the time as I did not want to disturb the peace of my home as my son is in most critical phase of his carrier. Over last 4 years, I did my part to become a better husband:- by giving her more time to understand her better, tried to listen to her, fulfilling all her wishes, help her in household chores, set her up in a new job etc. As on today, I have access to her phone, her email etc. Sometimes I feel I have made progress, but when it comes to bed, it all comes to naught. She’s really not the women I fell in love with. Over the years she has become very manipulative and secretive. She showers me with fake love to keep the family life going. She is otherwise a very dedicated Mother and takes good care of the house. There is no real love, no passion. When I question her, she asks me to go find love somewhere else. I think she has checked herself out of this relationship mentally quite sometime ago. I wonder how long I can handle this rejection on day to day basis. I still want to save this marriage where there is true spouse love. Do I stand a chance. - Anonymous
Ans: Dear Anonymous,
You should know by now that your wife has mentally checked out of the relationship. Yes, pieces and parts of her still linger around the family BUT how truly is she committed? Rather than skirting around the issue like the way it has been happening, why don't the two of you actually have an honest conversation about it?
There's a reason why she finds connecting with people outside of marriage rather actually share that emotional and physical space with you. Do you both not want to work on this and come to some sort of a conclusion here?
At least then you will know if there is any scope for reconciliation or things have gotten worse.
Having her phone and monitoring her, has it changed what she does? This is just keeping you and your son on the edge and I believe each of us is entitled to some peace in our lives, right?
So, now talk together and with one another...Know what she wants and clearly state what you want and then see for yourself where all this is leading to...

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
Nayagam P

Nayagam P P  |3921 Answers  |Ask -

Career Counsellor - Answered on Nov 25, 2024

Asked by Anonymous - Nov 25, 2024Hindi
Career
My daughter is in 10 th class Maharashtra board She wants to do carrier in mathematics or economics what are the ways for further education
Ans: Your daughter is interested in pursuing a career in Mathematics or Economics, which offer exciting opportunities and a variety of educational pathways. She can choose from the Science Stream (Mathematics Focus) or the Commerce Stream (Economics Focus), depending on her interests and aptitude.

An option for her is to choose Science with Mathematics in 11th and 12th grade, which will provide a strong foundation in math. After completing 12th Science with Mathematics, she can pursue a Bachelor's Degree in Mathematics, such as B.Sc. in Mathematics, B.Tech or B.E. (Engineering), or a B.Tech in Computer Science, Information Technology, or Electronics.

Postgraduate courses in Mathematics can lead to M.Sc. in Mathematics or Applied Mathematics, or M.Tech in Data Science or Computer Science. Other career paths in Mathematics include Actuarial Science, Data Science/Analytics, and pure mathematics/research.

In Economics, she can pursue Commerce with Economics in 11th and 12th grade, followed by a Bachelor's Degree in Economics, a Master of Arts in Economics, or a Master of Science in Economics. Specialized courses in Economics include Econometrics, Public Policy, Finance, and International Organizations/NGOs.

Joint careers in Mathematics and Economics can be pursued through integrated programs like B.A./B.Sc. in Mathematics and Economics, or Actuarial Science/Financial Mathematics. Entrance exams and competitive exams may be required for each path.

Pursuing Mathematics through the Science stream is an excellent path for your daughter, while Economics through the Commerce stream is ideal for those interested in understanding economies and global trends. All the BEST for Your Daughter's Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Money
I am 32 years of age I have a corpus of 40 lakhs including mutual funds,stocks,pf,insurance.I invest 65000 in sip every month with 84% in equity, 6% in hybrid and 10% in debt funds as of now with 58% in large cap,27% in mid cap and 15 % in small cap with an xirr of 17.2%. how much will my corpus grow in next 20-30 years ?
Ans: Your financial journey so far is impressive. At 32 years, a corpus of Rs. 40 lakhs reflects good planning. Your SIP of Rs. 65,000 per month and asset allocation indicate strong discipline and understanding of investments.

Your current XIRR of 17.2% is exceptional, suggesting an effective fund selection. Maintaining this momentum will help you build substantial wealth.

Growth Potential Over the Next 20-30 Years
Power of Compounding

Compounding over 20-30 years can multiply wealth significantly.
Your disciplined SIP approach amplifies this effect.
Corpus Growth Projections

If your XIRR sustains near 17%, your corpus can grow exponentially.
Over 20 years, it may cross Rs. 10-12 crores.
In 30 years, this could grow beyond Rs. 30-40 crores.
Consideration for Realistic Returns

Sustaining 17% XIRR may be optimistic in the long term.
A realistic expectation of 12-15% still ensures significant growth.
Factors Influencing Your Future Corpus
Market Volatility

Equity-heavy portfolios are prone to short-term fluctuations.
Maintain your long-term perspective to overcome these.
Asset Allocation Discipline

Your 84% equity allocation is ideal for long-term goals.
Rebalance annually to maintain this allocation.
Economic Growth and Inflation

India's economic growth supports equity performance.
High inflation demands better returns to preserve purchasing power.
SIP Increments

Increasing SIP annually can enhance corpus growth.
A 10% increment every year could add several crores.
Importance of Diversification
Large, Mid, and Small-Cap Allocation

Your 58% large-cap, 27% mid-cap, and 15% small-cap allocation is balanced.
This mix ensures stability and growth potential.
Hybrid and Debt Funds Role

Your 10% debt allocation cushions against market volatility.
Hybrid funds offer consistent returns with lower risk.
Tax Efficiency in Long-Term Investments
Equity Fund Taxation

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Factor this in when planning withdrawals.
Debt Fund Taxation

Gains are taxed as per your income slab.
Plan asset allocation changes with tax efficiency in mind.
Enhancing Your Strategy
Emergency Fund

Maintain 6-12 months of expenses in liquid or ultra-short-term funds.
Insurance Review

Ensure adequate term insurance and health insurance coverage.
Goal-Based Investing

Align specific investments to defined goals like retirement or children's education.
Periodic Review

Review fund performance and portfolio allocation annually.
Replace underperforming funds if needed.
Final Insights
Your current portfolio and discipline promise exceptional long-term results. Continue SIPs, periodically increase investments, and review portfolio performance. A realistic approach with a focus on equity can help you achieve remarkable financial milestones over 20-30 years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
Hi my name is Mani and aged 36 i am drawing a monthly salary of 3.5lakhs. Below are my investments. I want to achieve around 10Cr by 50. Current MF potfolio:50L Shares/ETF: 10L PF: 39L US ESOP: 1.2 Crore Monthly SIP: 1.65Lkhs 2 houses: 95L & 60L I can invest upto 2.5-3lakhs montly. Closed all my loans.
Ans: Your current investments reflect excellent financial discipline and planning. With your income and ability to invest Rs 2.5-3 lakhs monthly, you are in a strong position to achieve your target of Rs 10 crore by 50. However, optimising your portfolio is crucial for achieving this milestone efficiently. Here's an in-depth assessment and strategy to guide you.

Assessment of Current Investments
Mutual Fund Portfolio: Rs 50 Lakh
This portfolio forms a significant part of your wealth.
Equity mutual funds can offer long-term growth.
Regular reviews and diversification will enhance returns.
Shares and ETFs: Rs 10 Lakh
Direct equity and ETFs require active monitoring.
ETFs have limitations, like tracking errors and passive management.
Disadvantages of ETFs:

Lack of flexibility to outperform benchmarks.
Returns are limited to market indices, missing active management benefits.
Provident Fund: Rs 39 Lakh
PF is a safe, tax-efficient retirement tool.
Growth is limited compared to equity investments.
US ESOP: Rs 1.2 Crore
ESOPs provide substantial value, but currency and company risks exist.
Diversification is essential to reduce concentrated risk.
Monthly SIPs: Rs 1.65 Lakh
A high monthly SIP reflects your commitment to wealth creation.
Fund selection and risk balance will determine growth.
Real Estate: Rs 95 Lakh and Rs 60 Lakh
While real estate offers stability, liquidity issues can be a challenge.
Rental income should align with market returns to remain beneficial.
Strategy to Achieve Rs 10 Crore by 50
1. Optimise Mutual Fund Investments
Increase allocation to actively managed equity funds.
Diversify into large-cap, mid-cap, and hybrid funds for balanced growth.
Review the portfolio with a Certified Financial Planner every year.
2. Enhance Monthly SIP Contributions
Increase SIPs to Rs 2.5-3 lakh, matching your investment capacity.
Prioritise equity mutual funds for better compounding over 14 years.
Allocate a small portion to debt funds for stability.
3. Reevaluate Direct Equity and ETFs
Limit ETFs due to their passive nature and tracking errors.
Focus on direct equity only if you have time for active monitoring.
Otherwise, shift to professionally managed equity funds.
4. Diversify US ESOP Holdings
Reduce dependency on your company’s ESOPs.
Gradually liquidate and reinvest in Indian equity and international mutual funds.
Diversification will safeguard against market volatility and currency risks.
5. Leverage Provident Fund Efficiently
PF will act as a stable component of your retirement corpus.
Do not withdraw unless essential.
6. Address Real Estate Investments
Analyse the rental yield and growth potential of your properties.
If returns are below expectations, consider selling one property.
Reinvest proceeds in mutual funds for higher returns and liquidity.
Tax Efficiency and New Rules
Equity Mutual Funds
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan withdrawals strategically to reduce tax liability.
Debt Funds
Gains are taxed as per your income slab.
Use systematic withdrawal plans for efficient taxation.
ESOPs and Real Estate
ESOPs will attract capital gains tax upon sale.
Real estate gains are taxed under capital gains rules.
Invest gains from property sales into mutual funds to save on taxes.
Additional Recommendations
1. Adequate Life and Health Insurance
Ensure you have term insurance covering at least 10 times your annual income.
Maintain comprehensive health insurance for your family.
2. Emergency Fund
Keep six months’ expenses in a liquid fund or savings account.
This ensures liquidity during unforeseen circumstances.
3. Monitor and Rebalance Portfolio
Regularly review asset allocation with a Certified Financial Planner.
Adjust based on market conditions and financial milestones.
Final Insights
You are on the right track with your disciplined investing approach. To ensure you reach Rs 10 crore by 50, optimise your investments, enhance tax efficiency, and diversify risks. Focus on actively managed funds, reduce dependence on real estate, and leverage your high savings potential. Regular monitoring and strategic decisions will make your goal achievable.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Money
Hello Ramalingam Ji, I am 44 years old, working in IT and live in Bengaluru. I am unmarried at this moment. I live in a rented house. Here are my investments breakups - 1.45 Cr in Equity Shares, 5 Lakhs in MF, 27 Lakhs in PPF, 20 Lakhs in EPF, 7 Lakhs in NPS, and 14 Lakhs in FD as an Emergency Fund. I have a health insurance of 30L apart from the office provided one. My monthly in hand salary about 2.2 Lakhs. And my monthly expenses including rent, insurances, sports/gym subscription, food and others comes about 75 - 80 Thousands a month. I invest 1.1 Lakhs in equity shares, 18 Thousands in RDs to meet my certain onetime expenditures in a years such as insurances, internet payments etc. I do not have any loans. How do you think I should go about so I could purchase a house/flat as well as have enough investments using which I could live comfortably. I also want to know if at all possible to retire by 50 or 55 years? will it even makes sense purchasing a house/flat since I have no one after me. Thanking you in advanced.
Ans: You are in a strong financial position. You have diverse investments and stable income. Your disciplined approach reflects a clear financial vision.

This response provides detailed insights into buying a house, early retirement, and optimising your investments.

Understanding Your Current Financial Health
1. Investments and Emergency Funds

Rs 1.45 crore in equity is a significant achievement.

Your Rs 14 lakh emergency fund is well-planned. It ensures liquidity during emergencies.

 

2. Monthly Income and Expenses

You save and invest a substantial portion of your Rs 2.2 lakh monthly salary.

Expenses are well-balanced, leaving you with Rs 1.1 lakh for investments.

 

3. Health Insurance Coverage

You have Rs 30 lakh health insurance, which safeguards against medical emergencies.

Office-provided insurance adds additional security.

House Purchase Consideration
1. Evaluate the Need for a House

A house is not necessary unless it enhances your quality of life.

With no dependents, consider renting for flexibility.

 

2. Financial Implications of Buying a House

Buying a house requires a long-term financial commitment.

EMIs will reduce your ability to save and invest aggressively.

 

3. Alternative Options

Continue renting if the cost is reasonable and suits your lifestyle.

Investing the funds earmarked for a house can yield better returns over time.

Early Retirement by 50 or 55
1. Analyse Monthly Expenses Post-Retirement

Estimate future monthly expenses, considering inflation.

Rs 75,000 today could become Rs 1.5 lakh in 15 years.

 

2. Calculate the Required Corpus

To withdraw Rs 1.5 lakh monthly, you need Rs 4.5 crore.

This corpus ensures financial independence throughout retirement.

 

3. Utilise Current Investments for Growth

Your investments in equity, MF, PPF, EPF, and NPS must compound consistently.

Diversify your portfolio to balance growth and stability.

Investment Optimisation
1. Focus on Equity Mutual Funds

Increase your MF investments for long-term growth.

Actively managed funds offer higher returns compared to index funds.

 

2. Avoid Direct Mutual Funds

Direct funds lack professional guidance and may lead to errors.

Regular funds through a Certified Financial Planner ensure optimised returns.

 

3. Maximise NPS Contributions

NPS provides additional tax benefits under Section 80CCD(1B).

It supports your retirement corpus with equity exposure and lower risk.

 

4. Reassess Fixed Deposits

Rs 14 lakh in FDs offers safety but lower returns.

Shift a portion to debt funds or balanced funds for better inflation protection.

Emergency Fund and Risk Management
1. Maintain Adequate Liquidity

Keep six months' expenses in liquid investments like FDs or short-term funds.

This ensures quick access to funds during emergencies.

 

2. Evaluate Insurance Adequacy

Your current health cover of Rs 30 lakh is sufficient.

Ensure critical illness or personal accident cover if not already included.

Retirement Income Planning
1. Generate Passive Income

Explore dividend-paying funds for steady income during retirement.

Consider systematic withdrawal plans (SWPs) post-retirement for tax efficiency.

 

2. Ladder Your Investments

Align investments to meet milestones like early retirement and healthcare needs.

Staggered withdrawals reduce risks during market downturns.

Tax Planning
1. Optimise Tax Benefits

Maximise contributions to tax-saving instruments like PPF and NPS.

Consider tax-efficient mutual fund categories to reduce liability.

 

2. Understand Capital Gains Taxation

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

Short-term gains attract 20% tax, so plan redemptions wisely.

Final Insights
Early retirement and comfortable living are achievable for you. Focus on growing your corpus with equity and balanced investments. Renting a house is practical if buying doesn't align with your goals. Work with a Certified Financial Planner to optimise your investments and ensure a secure financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Listen
Money
Hello Sir, I want to invest 5k per month in mutuals fund. Am targeting 15acs in next 16years. Can you pls suggest me good fund?
Ans: Investing Rs. 5,000 per month for 16 years to achieve Rs. 15 lakhs is a commendable goal. A systematic investment plan (SIP) in mutual funds can help achieve this. Your focus should be on selecting funds that align with your risk appetite and long-term horizon.

Understanding Your Target
Your target is Rs. 15 lakhs in 16 years.
This requires consistent returns from equity mutual funds.
Equity funds are ideal for long-term goals due to their growth potential.
Investment Strategy
Focus on Equity-Dominated Funds

Equity funds have the potential for higher long-term growth.
Diversify across large-cap, flexi-cap, and mid-cap funds.
Actively Managed Funds Preferred

Actively managed funds outperform index funds over long durations.
A good fund manager can provide better returns than passive funds.
Avoid Direct Funds

Investing through a Certified Financial Planner ensures professional advice.
Regular funds with guidance offer better portfolio tracking and rebalancing.
Monitor and Review Regularly

Review your investments yearly to stay aligned with your goal.
Make changes based on performance and market conditions.
Suggested Fund Categories
Large-Cap Funds

These funds provide stability and moderate growth.
They invest in well-established companies with strong performance records.
Flexi-Cap Funds

These funds invest across large, mid, and small-cap companies.
They offer flexibility and diversification.
Mid-Cap Funds

Mid-cap funds offer higher growth potential but come with moderate risk.
Suitable for long-term wealth creation.
Hybrid Funds

These funds balance equity and debt exposure.
They provide moderate risk with consistent returns.
Tax Considerations
Equity Fund Taxation

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains are taxed at 20%.
Tax-Efficient Withdrawals

Plan withdrawals strategically to minimise tax liability.
Hold funds for the long term to benefit from favourable tax rates.
Other Recommendations
Build an Emergency Fund

Set aside at least six months’ expenses in a liquid fund.
This provides financial security during emergencies.
Stay Invested for the Entire Duration

Equity investments need time to grow and overcome volatility.
Avoid premature withdrawals to maximise returns.
Disciplined Investing

Continue SIPs without interruption to achieve your goal.
Market fluctuations should not deter your commitment.
Final Insights
With disciplined investing and the right fund selection, achieving Rs. 15 lakhs in 16 years is possible. Focus on equity funds for long-term growth and consult a Certified Financial Planner for professional guidance.

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