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Anu

Anu Krishna  |892 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 15, 2024

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
Asked by Anonymous - Apr 13, 2024Hindi
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Relationship

In my marriage since the very inception my wife was and is still "sexually immature". I wonder if i am able to make you understand the situation. For the first nine years of marriage she simply resisted/avoided insertion, and finally after compelling her for counselling, etc. she gave in one day, so to say, which led to intercourse on a few occasions and she conceived. Almost 30 years down the line she was simply not interested in intercourse which has become extremely frustrating for me having a great libido. So i have become a man with a roving eye and perennially seek companionship/love/sex with the opposite sex. I wonder if i should feel guilty about it (however i don't feel guilty). As i am kind of personable and engage easily even at the ripe old age of 66, i continue to have a number of girl- friends (married/unmarried). In other words i flirt quite a bit, its become second nature to me. Girls in general take a liking to me too. Not that i am not friendly with my wife. We have a very loving relationship on a level which is not at all sexual. She keeps home very well and takes full care of me other than the sexual aspect. In other words sex is completely out of our relationship. You might not be seeing cases like this often. So i am always kind of sexually alive when i am out of the house. Now if you were to advise me to repair our relationship, take steps etc, i think we have kind of passed that stage primarily because she is peculiarly missing in the vital sex vibrations. I wonder if you understand me. I would like to have your views on all that i have explained. Shall be grateful to have some insights.

Ans: Dear Anonymous,
This isn't uncommon when sexual compatibility between couples is totally out of sync. Sometimes it's hard conditioning from childhood or some unpleasant experience or a medical reason that makes one not want sex at all.

When something is put of sync in a core relationship, you don't push the agenda that is actually causing discomfort but in fact deflect and shift focus onto things that actually help bond the two of you together.
When you look at what's not there, it's only going to look bigger and soon it consumes the mind completely and tricks you into believing that everything is wrong; which has possibly what has happened within your marriage. Agreed that your wife did not give sexual intimacy a lot of importance, but maybe something else might have been and is important to her. Maybe connecting at an emotional level, connecting through deep conversations, spending time together with activities...maybe these are something that help her connect better with you...

At whatever age, trying to fill a void through associations outside of marriage can only bring in momentary pleasure...what after that? Someone else and then again someone else...the cycle goes on and on with little inner joy to yourself.
If you feel that you have passed that stage (as mentioned by you) and also you seem to think it's only because your wife is not inclined towards sex, then this is how it will be!
If you wish for any change, then think different and ask yourself:
- what is it that I can do to actually gain her confidence in me?
- how do i shift focus from sexual intimacy to emotional intimacy?

If this is too hard to do, then your present ways of living might be the only way that you know and rely upon...But, there will never be the inner fulfillment that you are looking at. There's still hope; try and put things back in your marriage...you will thank yourself for it.

All the best!

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Anu

Anu Krishna  |892 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2022

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Dear MamI am a 33 year old male working in a PSU at middle management level. Six years ago I was married happily as per my wish to a girl of my choice.Everything was just perfect. My wife is 4.5 years younger to me. I had to go against my parents wish as they were not comfortable with a non working wife. Mine was not a love story but yes I met girl through a common friend and went ahead for the alliance. Our sex life was also great in the start and we welcomed a baby girl just 2 months short of our first wedding anniversary. However now when I compare I do understand that because of household chores she could not give proper time to me, but still I feel a strong urge to have sex with her. She somehow does not reciprocate well and is dull in having sex. Apart from this we still fight over silly things and tolerance level of both of us have gone very down. Sometimes I feel to this extent that I should walk out from the marriage because I really don't want hot talks in our relationship. I agree I have a 5 year old baby girl. I do control my feelings and anger too to some extent. My wife also does the same but really small things trigger me on. Also I always have a huge sex drive and I feel that if I don't get it from my wife I should look out for other options. I have not cheated with her but I feel that given the option I can because of sex urge. May be this is due to higher libido and I do masturbate occasionally fantasizing my neighbour or other female friends and sometimes my wife too. I don't know what goes through me but seeing your column I felt I should tell you these small details so you could give me an honest answer. I don't want to leave her, I do love her a lot but these fights really make me lose my cool and feel depressed.What should be done according to you ? Should I see a psychiatrist?
Ans:

Dear AY,

I will ask you to introspect and ask yourself: When did things start going downhill?

What event led to this? Surely, things don’t happen all of sudden, so something or some thought must have led to this.

Also, it’s important to understand that managing home and a child is a full time job and it tires the woman a lot.

To be in a mood for sex, the woman needs to be relaxed and calm…if the work at home is tiring, try and hire a domestic helper or any extra help that will ease her.

That way she will have more time to care for herself and her needs as well. Offer to pitch in and this will also bring the two of you closer.

Your theory of your high libido which is not being matched by your wife may or may not be true as sometimes that solution is simpler than you think.

Sadly, we are used to complicating things and look at what’s obvious in front of us.

Sex outside of marriage seems to be an option that has crossed your mind, but I do understand from your letter that you care and love your wife a lot.

Let not a moment of weakness make you shake the foundation of a beautiful relationship that the two of you share.

Have an open chat with her. Express how you feel and speak of your sexual needs.

Most often, communication solves most marriage issues. If this doesn’t work, kindly seek professional help with a marriage therapist.

Ultimately, you know why the two of you are married and why you chose her to be your wife.

Bear that in mind and a lot of yours mind struggles will ease and you will be able to think more usefully and also move into a better marriage space.

Happy 2022 and here’s wishing you the best in life!

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Anu

Anu Krishna  |892 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

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Hello Anu, I am 48, male. I married in 2007 and we were blessed with a daughter in 2015. Ever since we were pregnant, I left my regular job and started working from home instead. Things went off smooth and professionally there is not much of a problem. Agreed, 2020 has been quite a bad year for almost everyone and I am no exception. But then, things are somewhat better with me when I see people around and learn about their getting unemployed or otherwise. My problem is related to family, relationship with my wife and this has started playing on me. The last time we indulged in any sexual activity was probably before my wife became pregnant. And even before that, she was always uninterested in having anything physical between us. At max, we would have sex just once a month. But after her birth, we have never had sex, no time together. The most we talk about in a day is the stock of this is finishing up or you need to get this or that kind of things. She works in an office, so she has friends, people whom she can talk to and spend time. I stay home caring for my daughter. Though most of the day is spent with caring for her, there is something that is dying inside me. I had tried asking her to make a visit to the consultant locally, but she has always denied. And she keeps telling me that all I need is sex from her, which of course has never been true. I wished there was some medical solution for my problems but I know there is nothing wrong. It is just some psychological issue. At times I just want to leave up everything and quit, but then I prefer not to do it thinking about the daughter. I now feel that I do need some friends, but at my age, finding them is also tough. I do not feel comfortable talking about these issues to even my friends because - 1. I do not feel that close with any and 2. I wonder, if any of those confronted up my wife with this - that would be asking for a chaos as well. I could go on into more details but am unsure if you would have that enough time. Please suggest if you can.
Ans: Dear PK, firstly, Parenting is a lot of work and to be a full-time parent from home, like you are right now, requires a lot of time and energy. Also, let’s not deny and most mothers/parents/others who are full time caregivers of a child will whisper and not say it aloud that doing that 24*7 without a break can be stressful and even monotonous at times.

They are encouraged to take a break every once in a while, to rejuvenate so they can do more and feel less exhausted.

It is pretty normal for women to lose interest in sex for a few weeks or perhaps months after the baby is born as the hormones now secreted elude her away from simply being a wife and the loving mother takes over.

This can cause a lot of rift between the new parents as the man obviously is not aware of this fact.

A book can throw more light on this and I cannot be more emphatic and say this here that it helps when the woman doesn’t have to worry about her husband and focus on bonding with the child which is of utmost importance for the development and growth of the baby.

Besides, there are other forms of affection/intimacy that can be explored so the new parents still manage to keep the spark alive.

The fact of your wife having a parallel life at her work place has become a dampener in your mind as she is definitely able to have a social life at least part of the day whereas you are not.

I do suggest you cook up some ‘Me Time’ over the weekends when your wife can bond with the baby and you can meet friends and simply unwind so that you back with a renewed vigour as the week begins.

And, it is possible to make friends at any age. Anyone who shares common interests and hobbies, can become a part of your inner circle.

It is apparent that both of you have lost communication and either your wife is unaware about how you feel or maybe she is going through something that you don’t know of.

If she isn’t comfortable going to a professional, take charge and revive your communication. Babies can demand a lot of time from their parents and if you can have someone trustworthy to watch the baby for a couple of hours over the weekend, where you and your wife can have some time to yourselves, that might help.

We can go on struggling or we can step up and do something about it. So, give it your best for yourself and your family.

Happy Bonding and have a great life!

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Anu

Anu Krishna  |892 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 17, 2023

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Hi, I am 42 and my wife is 36. Been married for close to 9 years. Had our first princess in 2015 & second princess in 2019. Before having the second one, my wife had a very good sex drive both mentally & physically. We were having intercourse for at least 3 times a week. But over a period of course 3 years into post our second child being born, my wife has lost interest. Sex has been like may be once in 30 to 45 days. I am not forcing her but rather trying my best to have those Intimate moments like hugging tightly, kissing her, do a little bit of smooching, try to touch and kiss on sensitive areas like belly, feet, ear......parallel I am taking time to appreciate how caring she has been in respect to taking care of the family, complimenting her how beautiful she looks inside and outside, how much she is glowing, sometimes I take efforts to cook for her giving time offs and also I look after the kids, press her legs etc. but nothing is working and this desperacy is killing me inside so much that sometimes I have been getting false & weird thoughts in my mind to have an affair or go to a call girl. Need your advise on this....
Ans: Dear Chandra,
I am glad that you are putting in all efforts in a non-sexual manner which is what most people miss out on.
But since it isn't working, I think it could be just caring for two young children. It can sap a woman's/primary caregiver's energy to a point that intimacy is the last think on her mind.
You children are at an age where they are dependent on parents and also are full on energy with high demands. This could be the reason as well.
I would also suggest that with growing demands from the children in terms of time and attention, what might be overlooked is your wife has some vitamin deficiency which can lead to lethargy, lack of interest and more. My suggestion would be to visit a doctor who will write down specific tests that may get to the root of the problem.
Till then, be the supportive husband that you have been AND a call girl is a momentary rush of adrenaline; so be wise...

All the best!

..Read more

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Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

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Sir my SIP - SBI contra fund-2000, SBI small cap-1000, SBI small 250 index -1000, Aditya Birla sun Light PSU -2000, Parag Parikh flexi cap-2000, Motilal Oswal mid cap-2000, quant active fund-2000, total SIPs is to Rs.12000 per month , How many returns to get after 10 years investment.
Ans: Let's assess your SIP investments and project the potential returns over a 10-year period, keeping in mind various factors that influence investment outcomes.

Current SIP Portfolio Overview
Allocation Breakdown
SBI Contra Fund: Rs. 2000
SBI Small Cap Fund: Rs. 1000
SBI Small Cap 250 Index Fund: Rs. 1000
Aditya Birla Sun Life PSU Equity Fund: Rs. 2000
Parag Parikh Flexi Cap Fund: Rs. 2000
Motilal Oswal Mid Cap Fund: Rs. 2000
Quant Active Fund: Rs. 2000
Total Monthly SIP: Rs. 12000
Factors Affecting Returns
Fund Selection
Actively Managed Funds: Offer potential for higher returns but involve higher risk and management fees.
Index Funds: Lower fees but may have limitations in beating market benchmarks.
Market Performance
Equity Market Trends: Historical performance and future market conditions impact investment returns.
Economic Factors: Macroeconomic indicators influence market movements and fund performance.
Projected Returns Analysis
Historical Performance
Review historical performance of selected funds to gauge potential returns.
Consider past performance trends, fund manager expertise, and investment strategy.
Market Outlook
Analyze current market trends, economic indicators, and sectoral performance.
Evaluate growth prospects of sectors represented in your SIP portfolio.
Risk Assessment and Diversification
Risk Management
Diversification: Spread investments across different asset classes and sectors to manage risk.
Risk Appetite: Assess your risk tolerance to ensure investment choices align with your financial goals.
Regular Monitoring
Review SIP performance periodically to track progress and make informed adjustments.
Stay updated with market developments and fund performance reports.
Conclusion and Future Outlook
Based on the current investment allocation and market conditions, projecting precise returns over a 10-year period can be challenging. However, a diversified SIP portfolio across various asset classes and fund types is a prudent approach to long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 12, 2024Hindi
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Money
What is liquid loans, is it safe?
Ans: Understanding Liquid Loans: Safety and Evaluation
Liquid loans refer to short-term loans typically used to meet immediate financial needs or bridge temporary cash flow gaps. Let's delve into their safety and assess their suitability for your financial portfolio.

Definition and Purpose
Definition of Liquid Loans
Liquid loans are short-term borrowing arrangements, often unsecured, designed to provide quick access to funds.

Purpose of Liquid Loans
They are used for emergency expenses, working capital requirements, or unexpected financial obligations.

Safety of Liquid Loans
Risk Factors
High Interest Rates
Liquid loans typically come with higher interest rates compared to long-term loans due to their short duration.

Creditworthiness
Your creditworthiness, financial stability, and credit score influence the availability and terms of liquid loans.

Safety Assessment
Emergency Use
Liquid loans can be safe when used for genuine emergencies and repaid promptly to avoid high interest costs.

Borrowing Discipline
Prudent borrowing practices, such as borrowing only what is necessary and repaying on time, enhance the safety of liquid loans.

Alternatives to Liquid Loans
Emergency Fund
Maintain an emergency fund equivalent to 3-6 months of expenses. This reduces reliance on liquid loans during financial crises.

Line of Credit
Explore options like a personal line of credit or overdraft facility, which offer flexibility and lower interest rates than liquid loans.

Evaluating the Need for Liquid Loans
Immediate Financial Needs
Assess the urgency and necessity of borrowing. Consider alternative sources of funds before opting for liquid loans.

Repayment Plan
Have a clear repayment plan in place to avoid accumulating debt and paying excessive interest charges.

Risks and Precautions
Interest Cost
Calculate the total interest cost of liquid loans to determine affordability and impact on your financial health.

Repayment Capacity
Ensure you have sufficient income and cash flow to comfortably repay the loan on time.

Conclusion
Liquid loans can be a valuable financial tool for addressing short-term financial needs. However, they come with higher costs and require prudent usage and repayment discipline to ensure financial safety.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 16, 2024Hindi
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Money
I am 48 years old I am planning to quit. I have 3 lands worth 85 lakhs, FD 15 lakhs, PF 60 lakhs, MF 50, 3 houses.
Ans: Retirement Planning at 48 Years Old
Congratulations on your successful investments and planning for retirement. Let's delve into optimizing your assets and ensuring a comfortable retirement.

Assessing Your Assets
Real Estate
You have three lands and three houses, amounting to a substantial asset base of 85 lakhs. However, real estate can be illiquid and may require maintenance costs.

Fixed Deposits (FD) and Provident Fund (PF)
Your FD of 15 lakhs and PF of 60 lakhs provide stability and security. They are essential components of your retirement portfolio.

Mutual Funds (MF)
Investing in MF with 50 lakhs demonstrates a diversified approach to wealth accumulation. MF offers growth potential and flexibility.

Retirement Goals and Lifestyle
Lifestyle Expectations
Define your desired lifestyle post-retirement. Consider travel, hobbies, healthcare, and other expenses.

Retirement Age
Determine the age at which you plan to retire. This will impact your investment strategy and corpus requirements.

Creating a Retirement Investment Strategy
Asset Allocation
Diversification
Ensure a balanced allocation across asset classes: equities, debt, real estate, and liquid assets.

Real Estate Management
Optimize Returns
Evaluate the potential of your real estate assets. Consider rental income, property appreciation, and market trends.

Fixed Income Instruments
FD and PF Management
Review the interest rates and tax implications of your FD and PF. Explore options for higher-yielding fixed income instruments.

Mutual Funds
Equity and Debt Funds
Continue investing in MF for growth. Consider a mix of equity and debt funds based on your risk tolerance and investment horizon.

Risk Management
Insurance Coverage
Ensure adequate health and life insurance coverage for yourself and your family. This provides financial security during emergencies.

Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. This provides liquidity and peace of mind.

Tax Planning
Tax-Efficient Investments
Optimize tax benefits through investments like ELSS (Equity-Linked Savings Scheme), tax-free bonds, and NPS (National Pension System).

Capital Gains Tax
Understand the tax implications of selling real estate or MF units. Plan strategically to minimize tax outflows.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner to customize your retirement plan. They can provide personalized advice and strategies.

Retirement Transition
Phased Retirement
Consider a phased approach to retirement if you wish to gradually reduce work commitments. This can ease the financial transition.

Financial Review
Regularly review your investment portfolio and retirement plan. Adjustments may be needed based on changing financial goals or market conditions.

Conclusion
Your diversified asset portfolio lays a strong foundation for retirement. Focus on optimizing returns, managing risks, and aligning investments with your retirement goals. Seek professional guidance for a comprehensive retirement plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 18, 2024Hindi
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Money
I am 55 years old, having NPS Corpus of 1.06 crore, PPF Rs. 12lakhs, MF Rs. 23lakhs, Equity 11.6 lakhs, FD 4 lakhs. I will retire (under New Pension Scheme) at the age of 62 years. How to plan my retirement ?
Ans: Congratulations on building a substantial retirement corpus. Your diversified investments show prudent financial planning.

Assessing Your Current Financial Situation
NPS Corpus
Your NPS corpus of ?1.06 crore is a significant asset. It will provide regular income after retirement.

PPF, Mutual Funds, Equity, and FD
You have diversified investments in PPF (?12 lakhs), mutual funds (?23 lakhs), equity (?11.6 lakhs), and fixed deposits (?4 lakhs). This is a balanced mix of assets.

Defining Retirement Goals and Timeline
Retirement Age and Lifestyle
You plan to retire at 62 years. Define your desired lifestyle and estimate monthly expenses post-retirement.

Corpus Utilization
Determine how much of your corpus will be used for regular income and how much will remain invested for growth.

Creating a Retirement Corpus Strategy
NPS Strategy
Regular Income from NPS
At retirement, you can use a portion of the NPS corpus to purchase an annuity for regular income. The remaining can be withdrawn lump sum.

Optimal Annuity Plan
Choose an annuity plan that offers a steady income and matches your financial needs. Consider inflation-adjusted options.

PPF Utilization
Safety and Growth
PPF provides safe returns and tax benefits. Upon maturity, you can reinvest the amount in safe, income-generating instruments.

Mutual Funds
Equity and Debt Allocation
Your mutual funds should have a balanced mix of equity and debt to ensure growth and stability. Adjust the allocation based on risk tolerance.

Systematic Withdrawal Plan (SWP)
Use SWPs for regular income from your mutual fund investments. This provides a steady cash flow while keeping the principal invested.

Equity Investments
Long-Term Growth
Continue holding your equity investments for long-term growth. Rebalance your portfolio as you approach retirement.

Fixed Deposits
Stability and Liquidity
FDs offer guaranteed returns and liquidity. Use them for immediate expenses and as a safety net.

Estimating Retirement Corpus Needs
Monthly Expenses
Calculate your expected monthly expenses post-retirement. Consider inflation and potential medical costs.

Inflation Adjustment
Ensure your retirement corpus can withstand inflation. A 6-7% inflation rate can erode purchasing power over time.

Diversifying Your Investment Portfolio
Balanced Portfolio
Maintain a diversified portfolio to balance risk and return. Include a mix of equity, debt, and fixed-income instruments.

Equity Funds
Invest in equity funds for growth. Adjust the risk based on your comfort level and investment horizon.

Debt Funds
Invest in debt funds for stability and regular income. Choose funds with a good track record.

Regular Monitoring and Rebalancing
Portfolio Review
Regularly review your investment portfolio to ensure it aligns with your retirement goals. Adjust allocations as needed.

Rebalancing Strategy
Rebalance your portfolio to maintain the desired asset allocation. This helps manage risk and optimize returns.

Emergency Fund
Importance of Liquidity
Maintain an emergency fund equivalent to 6-12 months of expenses. This provides liquidity and financial stability during unforeseen events.

Tax Planning
Efficient Tax Strategies
Consider the tax implications of your investments. Utilize tax-saving options like PPF and ELSS (Equity-Linked Savings Scheme) to maximize tax benefits.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner to tailor an investment strategy based on your specific needs. Professional advice can help optimize your portfolio for early retirement.

Conclusion
Early retirement is achievable with disciplined planning and investing. Balance your investments across equity funds, debt funds, PPF, and balanced advantage funds. Regularly review and adjust your portfolio to stay aligned with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 18, 2024Hindi
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Money
I am 39 year old, I want plan early retirement. How do I do my investments? I know I m very late stilll please suggest.
Ans: It's commendable that you are focusing on your financial future and aiming for early retirement. Taking action now is a wise decision.

Assessing Your Financial Goals and Timeline
Early Retirement Goals
Define what early retirement means for you. Consider the age at which you want to retire and the lifestyle you wish to maintain.

Timeline
At 39, you have a good number of years to plan and invest. Early retirement could be achievable with disciplined planning and investing.

Investment Strategy for Early Retirement
Mutual Funds
Equity Mutual Funds
Equity mutual funds are ideal for long-term growth. They can offer high returns, which are essential for building a substantial retirement corpus.

SIP (Systematic Investment Plan)
Investing through SIPs allows you to invest a fixed amount regularly. This helps in rupee cost averaging and building wealth over time.

Diversified Portfolio
Large-Cap Funds
Large-cap funds invest in well-established companies. They provide stability and moderate returns, forming a solid foundation for your portfolio.

Mid-Cap and Small-Cap Funds
Mid-cap and small-cap funds have higher growth potential but come with increased risk. Include them for higher returns but balance them with safer investments.

Balanced Advantage Funds
Balanced advantage funds adjust the allocation between equity and debt based on market conditions. They help manage risk while aiming for growth.

Fixed Income Investments
Public Provident Fund (PPF)
Long-Term Safety
PPF offers safety and decent returns. It has a lock-in period of 15 years, making it suitable for long-term goals like retirement.

Tax Benefits
Investments in PPF are eligible for tax deductions under Section 80C. The interest earned is also tax-free.

Debt Mutual Funds
Stability and Income
Debt mutual funds invest in fixed income securities. They provide stability and regular income, balancing the risk of your equity investments.

Types of Debt Funds
Consider different types of debt funds like liquid funds, short-term funds, and corporate bond funds for diversification.

Creating a Diversified Portfolio
Asset Allocation
A balanced mix of equity and debt investments can help manage risk and optimize returns. Consider allocating a higher percentage to equities for growth, and a smaller percentage to debt for stability.

Sample Allocation
Equity Mutual Funds (60%): For high growth potential
Debt Mutual Funds (20%): For stability and regular income
PPF (10%): For safety and tax benefits
Balanced Advantage Funds (10%): For dynamic asset allocation
Regular Monitoring and Rebalancing
Portfolio Review
Review your portfolio regularly to ensure it aligns with your financial goals and risk tolerance. Rebalance your investments as needed to maintain the desired asset allocation.

Retirement Corpus Calculation
Estimating Retirement Needs
Calculate the amount needed for your retirement based on your expected expenses, lifestyle, and inflation. Use retirement calculators to get an estimate.

Growth Projections
Assume a reasonable rate of return for your investments. A mix of equity and debt can help achieve a balanced growth rate.

Emergency Fund
Importance of Liquidity
Maintain an emergency fund equivalent to 6-12 months of expenses. This provides liquidity and financial stability during unforeseen events.

Tax Planning
Efficient Tax Strategies
Consider the tax implications of your investments. Utilize tax-saving options like PPF and ELSS (Equity-Linked Savings Scheme) to maximize tax benefits.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner to tailor an investment strategy based on your specific needs. Professional advice can help optimize your portfolio for early retirement.

Conclusion
Early retirement is achievable with disciplined planning and investing. Balance your investments across equity funds, debt funds, PPF, and balanced advantage funds. Regularly review and adjust your portfolio to stay aligned with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

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Hi , I am working professional and income is 1 lakh per month . I have a son 10 years and wanted to plan for his education expenses in future.please help me which scheme is good for boy.
Ans: It's commendable that you are thinking ahead and planning for your son's education. Your dedication to his future is truly admirable.

Assessing Your Financial Goals and Timeline
Education Goals
You want to ensure your son has the best possible education. This may include school, college, and possibly postgraduate studies.

Timeline
Your son is 10 years old, so you have around 8 years until he starts college. This gives you a good timeframe to plan and invest.

Investment Options for Education Planning
Mutual Funds
Equity Mutual Funds
Equity mutual funds can provide high returns over the long term. Consider investing in diversified equity funds for growth.

SIP (Systematic Investment Plan)
Investing in mutual funds through SIPs allows you to invest a fixed amount regularly. This helps in rupee cost averaging and building a substantial corpus over time.

Child-Specific Mutual Funds
Balanced Allocation
Child-specific mutual funds typically have a balanced allocation between equity and debt. This helps in managing risk while aiming for growth.

Lock-in Period
These funds often come with a lock-in period that aligns with the child’s age and education needs. This ensures the money is used for its intended purpose.

Government Schemes
Sukanya Samriddhi Yojana (SSY)
Although SSY is specifically for girl children, it’s worth mentioning for parents with daughters. It offers a high interest rate and tax benefits.

Public Provident Fund (PPF)
Long-Term Growth
PPF is a safe investment with decent returns. It has a lock-in period of 15 years, making it suitable for long-term goals like education.

Tax Benefits
Investments in PPF are eligible for tax deductions under Section 80C. The interest earned is also tax-free.

Fixed Deposits and Bonds
Fixed Deposits (FDs)
Safety
FDs are safe investments with guaranteed returns. They are suitable for risk-averse investors.

Laddering Strategy
You can use a laddering strategy to spread your investments across different maturities. This ensures liquidity and stable returns.

Tax-Free Bonds
Regular Income
Tax-free bonds offer regular interest income. The interest earned is exempt from taxes, making it a good option for high-income individuals.

Education Savings Plans
Unit Linked Insurance Plan (ULIP)
Insurance and Investment
ULIPs offer a combination of insurance and investment. A part of the premium goes towards life cover, and the rest is invested in equity or debt funds.

Long-Term Benefits
ULIPs are suitable for long-term goals due to their lock-in period and potential for market-linked returns.

Creating a Diversified Portfolio
Asset Allocation
Allocate your investments across different asset classes to balance risk and return. Consider a mix of equity mutual funds, child-specific funds, PPF, FDs, and tax-free bonds.

Sample Allocation
Equity Mutual Funds (40%): For high growth potential
Child-Specific Mutual Funds (20%): For balanced growth and risk management
PPF (20%): For safety and tax benefits
Fixed Deposits and Bonds (20%): For guaranteed returns and safety
Regular Monitoring and Rebalancing
Portfolio Review
Review your portfolio regularly to ensure it aligns with your financial goals and risk tolerance. Rebalance your investments as needed to maintain the desired asset allocation.

Tax Planning
Efficient Tax Strategies
Consider the tax implications of your investments. Utilize tax-saving options like PPF. Plan your investments to maximize tax benefits and minimize tax liability.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner to tailor an investment strategy based on your specific needs. Professional advice can help optimize your portfolio for education planning.

Conclusion
Planning for your son's education requires a diversified and strategic approach. Balance your investments across equity funds, child-specific funds, PPF, FDs, and tax-free bonds. Regularly review and adjust your portfolio to stay aligned with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

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I am retired now, I have 2 cores wt can I do monthly income. No burdens.own home. My age 53.
Ans: Creating a Monthly Income from a 2 Crore Retirement Corpus

Congratulations on your retirement and your substantial savings of 2 crores. Your prudent financial management and owning a debt-free home are commendable achievements.

Assessing Your Financial Goals and Risk Tolerance
Financial Goals
Your main goal is to generate a steady monthly income from your savings. Additionally, you might want to consider preserving and growing your capital.

Risk Tolerance
As a retiree, it's crucial to balance generating income with preserving your capital. Your risk tolerance might be moderate, focusing on stability with some growth.

Investment Options for Monthly Income
Mutual Funds
Debt Funds
Debt funds provide regular income with lower risk. They invest in fixed-income securities like government and corporate bonds. Consider investing in a mix of short-term and long-term debt funds for stability and regular returns.

Balanced or Hybrid Funds
These funds invest in both equity and debt. They offer a balance of growth and income. A conservative hybrid fund can provide regular income while maintaining some growth potential.

Systematic Withdrawal Plan (SWP)
Mutual Fund SWP
An SWP allows you to withdraw a fixed amount regularly from your mutual fund investments. This provides a steady income stream while keeping your capital invested and growing.

Fixed Income Options
Senior Citizen Savings Scheme (SCSS)
SCSS is a government-backed scheme offering regular interest payments. It's a safe option with a relatively high interest rate, specifically designed for senior citizens.

Post Office Monthly Income Scheme (POMIS)
POMIS is another government-backed scheme offering regular monthly income. It is a safe and reliable option with guaranteed returns.

Fixed Deposits (FDs)
Bank Fixed Deposits
Bank FDs offer guaranteed returns with varying tenures. Senior citizens often get higher interest rates. Split your corpus across different tenures to manage liquidity and returns.

Dividend-Paying Stocks
Blue-Chip Stocks
Investing in blue-chip stocks with a history of paying regular dividends can provide a steady income stream. Ensure you diversify across sectors to manage risk.

Real Estate Investment Trusts (REITs)
REITs for Regular Income
REITs invest in income-generating real estate. They pay regular dividends from rental income. REITs offer real estate exposure without the risks of owning physical property.

Creating a Diversified Portfolio
Asset Allocation
Allocate your 2 crores across different asset classes to balance risk and return. Consider a mix of debt funds, hybrid funds, SCSS, POMIS, FDs, and dividend-paying stocks.

Sample Allocation
Debt Funds and FDs (40%): For stability and regular interest income
Hybrid Funds (30%): For balanced growth and income
SCSS and POMIS (20%): For guaranteed returns and safety
Dividend-Paying Stocks and REITs (10%): For additional income and growth potential
Regular Monitoring and Rebalancing
Portfolio Review
Review your portfolio regularly to ensure it aligns with your income needs and risk tolerance. Rebalance your investments to maintain the desired asset allocation.

Tax Planning
Efficient Tax Strategies
Consider the tax implications of your investments. Utilize tax-saving options like SCSS and POMIS. Plan your withdrawals to minimize tax liability.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner to tailor an investment strategy based on your specific needs. Professional advice can help optimize your portfolio for income and growth.

Conclusion
With a well-diversified portfolio, you can generate a steady monthly income while preserving and growing your capital. Balance your investments across debt funds, hybrid funds, government schemes, FDs, dividend-paying stocks, and REITs. Regularly review and adjust your portfolio to stay aligned with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 23, 2024Hindi
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I am 47 yrs. The present valuation of my MF investment is 53 lakhs and I put in 50k monthly in SIPs. What will be the corpus at my retirement? Apart from this I have a loan free house in Gurgaon. I live in my owned house for which I am paying an EMI of 93k and an outstanding loan of 89lakhs pending against it. I have two term insurance of 99lkhs and 1.5cr. My PPF corpus is 20lakhs and will be maturing in2026. EPF corpus is 3 lakhs with 7000 monthly contribution. I have a son who's will be graduating from school next year.Is my investment plan on track?
Ans: Evaluating Your Investment Plan and Retirement Corpus

You have done a commendable job in planning your finances. Your disciplined approach to SIP investments and maintaining term insurance shows financial prudence.

Current Financial Situation
Mutual Fund Investments
Present Value: Rs. 53 lakhs
SIP: Rs. 50,000 monthly
Real Estate
Loan-free house in Gurgaon
Own house with an EMI of Rs. 93,000
Outstanding loan: Rs. 89 lakhs
Insurance and Provident Funds
Term Insurance: Rs. 99 lakhs and Rs. 1.5 crores
PPF Corpus: Rs. 20 lakhs (maturing in 2026)
EPF Corpus: Rs. 3 lakhs with a monthly contribution of Rs. 7,000
Future Financial Goals
Son’s Education
Your son will be graduating from school next year. Planning for higher education expenses is crucial.

Retirement Planning
You are 47 years old and need to estimate the retirement corpus based on your current investments and contributions.

Estimating Retirement Corpus
Mutual Fund Corpus at Retirement
Assuming an average annual return of 12% on your mutual fund investments:

Current Value: Rs. 53 lakhs
Monthly SIP: Rs. 50,000
Investment Period: 13 years (till age 60)
Using the compound interest formula and considering SIP contributions, the estimated corpus at retirement can be calculated.

PPF Maturity
Your PPF corpus of Rs. 20 lakhs will mature in 2026. Assuming no further contributions, it will be available for reinvestment or expenses.

EPF Corpus
Your EPF contributions and corpus will continue to grow. Assuming an average annual return of 8%, it will add to your retirement corpus.

Managing Existing Loans
Home Loan EMI
You have an outstanding loan of Rs. 89 lakhs with an EMI of Rs. 93,000. Reducing this liability should be a priority to enhance your cash flow.

Prepayment Strategy
Consider prepaying your home loan with any surplus funds or bonuses. This will reduce the interest burden and EMI amount.

Insurance Adequacy
Term Insurance
You have adequate term insurance coverage. Ensure the coverage amount remains sufficient to meet your family’s needs in your absence.

Health Insurance
Review your health insurance coverage. Ensure it is adequate to cover medical emergencies and rising healthcare costs.

Investment Strategy Review
Diversification
Ensure your investments are diversified across different asset classes to manage risk effectively.

Mutual Fund Portfolio
Review your mutual fund portfolio periodically. Consult a Certified Financial Planner to ensure your funds align with your risk profile and financial goals.

Planning for Son’s Education
Education Fund
Start a dedicated education fund for your son. Consider investing in balanced or hybrid funds to manage risk while aiming for growth.

SIP for Education
Continue SIPs specifically earmarked for your son’s higher education. This will help in accumulating the required corpus systematically.

Tax Planning
Efficient Tax Strategies
Utilize tax-saving investment options to maximize returns. Proper tax planning can significantly enhance your overall portfolio performance.

Professional Guidance
Certified Financial Planner (CFP)
Consult a Certified Financial Planner for personalized advice. They can help you navigate complex financial decisions and achieve your long-term goals.

Conclusion
Your investment plan is on the right track. Continue with disciplined investing, manage your loans, and consult a professional for tailored advice. With strategic planning, you can achieve a comfortable retirement and secure your family’s future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2917 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - May 23, 2024Hindi
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I recently inherited 30 crores. I want to know the best and safest places to invest that in the next 30 years the value can increase the value 10 fold. Assuming inflation stands at 6 to 7 percent. What is the way to diversify and get atleast a return of 12 to 15 percent ?. FYI i was looking at government bonds there is no doubt they are safe especially the tax free ones but they don't really beat inflation
Ans: Congratulations on your inheritance of 30 crores. It's wise of you to seek ways to invest it prudently for long-term growth. Your understanding of the impact of inflation on investment returns shows a commendable grasp of financial principles.

Assessing Investment Goals and Risk Tolerance
Long-Term Growth
You aim to grow your inheritance tenfold in 30 years. This requires an annual return of 12-15%, which is ambitious but achievable with a strategic approach.

Risk Tolerance
Balancing risk and return is crucial. You need to diversify your investments to achieve high returns while managing risk effectively.

Investment Options and Strategies
Equity Investments
Actively Managed Equity Funds
Actively managed funds can outperform the market with skilled management. Consider large-cap, mid-cap, and small-cap funds for diversified exposure.

Sectoral and Thematic Funds
These funds focus on specific sectors like technology, healthcare, or renewable energy. They offer high growth potential but come with higher risk.

Mutual Funds
Diversified Equity Funds
These funds invest in a mix of large-cap, mid-cap, and small-cap stocks. They balance risk and return effectively.

Balanced or Hybrid Funds
These funds invest in a mix of equity and debt. They provide growth with reduced volatility.

Direct Equity Investments
Investing directly in stocks can yield high returns. However, it requires thorough research and regular monitoring.

Fixed Income Investments
Government Bonds
Tax-free bonds are safe but typically offer lower returns. They can be part of your portfolio for stability and regular income.

Corporate Bonds
High-rated corporate bonds offer better returns than government bonds. Ensure the companies have a good credit rating to manage risk.

Alternative Investments
Gold
Gold acts as a hedge against inflation and currency risk. It can be part of your diversified portfolio but should not be the main focus.

Mutual Fund SIPs
Systematic Investment Plans (SIPs) in mutual funds can provide disciplined and regular investments. They benefit from rupee cost averaging and compound over time.

Real Estate Investment Trusts (REITs)
REITs provide exposure to real estate without the risks and hassles of owning physical property. They offer rental income and capital appreciation.

Diversifying Your Portfolio
Asset Allocation
Allocate your investments across equity, debt, and alternative assets. This helps in managing risk while aiming for high returns.

Sample Allocation
Equity (60%): Actively managed funds, direct stocks
Debt (30%): Government and corporate bonds, fixed deposits
Alternatives (10%): Gold, REITs
Regular Review and Rebalancing
Review your portfolio regularly to ensure it aligns with your goals. Rebalance to maintain the desired asset allocation.

Professional Guidance
Certified Financial Planner (CFP)
Engage a Certified Financial Planner to tailor an investment strategy based on your risk profile and financial goals.

Tax Planning
Efficient Tax Strategies
Utilize tax-saving investment options. Tax planning can significantly enhance your returns over time.

Avoiding Common Pitfalls
Emotional Decisions
Avoid making investment decisions based on market emotions. Stick to your long-term plan.

Over-diversification
While diversification is key, over-diversification can dilute returns. Maintain a balanced portfolio.

Conclusion
Achieving a tenfold increase in your inheritance over 30 years requires a strategic and diversified approach. Balance risk and return through a mix of equity, debt, and alternative investments. Regularly review your portfolio and seek professional advice for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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.

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