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Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 21, 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
J Question by J on Jun 21, 2021Hindi
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Relationship

I have been married for 1.5 years now and my wife and we were not much of talkers before marriage also.

Now also she doesn't care about my job, family or anything about me. The only thing she needed from this marriage is a baby.

We only have sex once/twice a month just for this purpose and she doesn’t allow me to feel/touch her.

Emotionally and physically I am not feeling married. She is not interested in talking, not interested in any feelings, and avoids all kinds of conversations.

Is she selfish and stubborn? Will she be okay if we had our child or am I doomed?

She is well educated and has a job, so not dependent on me in any way.

I feel I am being used by her and she will throw me like a tissue paper when she gets what she needs.

She insists that I change my job because that way I can be involved in my job/ travel far for the job so that she can live alone happily.

I didn’t expect my marriage life and sex life will be this bad since I expected more and had dream of honeymoon etc and all.

Ans: Dear J, expectations can lead to a few maybe more disappointments.

We all do dream of that ‘perfect’ marriage and movies make a huge deal out of it literally making it hard for us to create our own marriages in peace.

When you say: She uses you as a ‘tissue paper’ do you refer to feeling that your voice doesn’t count and that you are needed only when she needs you?

What seems to be the problem is that the two of you haven’t allowed yourselves to know each other and grow together physically and emotionally.

Marriage is work and you have to work at it and with it everyday.

Living with another person from a different background and perhaps ideas and culture isn’t particularly a cakewalk.

Indian families invariably think that getting a baby solves everything. It in fact complicates the situation further.

Also, the sexual needs of a wife and husband may not be the same at the same point in time.

But this cannot be the cause of a crack in that marriage though most times this is the one that takes the crown.

If you feel emotionally and physically distant from her, don’t you think it’s time to set your differences aside and have a talk about this rather than burying it under the carpet?

Also, give a close look at if you are not comfortable with your wife being independent.

In a strictly patriarchal outlook, the man prefers that the women at home are kept into household chores and the man brings in the money and takes all the decisions.

If this is the case, (I am not suggesting but asking you to do a reality check on this), it is perhaps time to rewire your thoughts on this and harmonize with her independence.

Also, your wife must be made to understand that marriage is a place for two people to work together and being independent does not mean ‘living in isolation physically and emotionally’.

Consult with a professional if you feel but I always like it when the couple deal with this themselves as the sanctity of marriage is well-preserved.

Create a beautiful relationship!

You may like to see similar questions and answers below

Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2020

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Relationship
Dear Anu Krishna, I'm a 39 year old man, married and having a daughter. It was an arranged marriage. We started off okay, with some good level of romance initially but plateaued later. First the emotional connect dipped, then her trust dipped and eventually physical intimacy dipped. After childbirth, our sex life hit a low and in past 5 years it has been almost a sexless marriage. I had not been a perfect partner but very much willing to fix my mistakes (I haven't cheated on her, ever). But my wife has been aloof with near zero communication. I never interfered in her independence of any form. I always trusted her but I never felt trusted/wanted/loved. She refuses to have meaningful deep conversations. We do have a lot of financial stress. We considered divorce about 5 years ago but didn't because of our daughter. Last year, I met a colleague and I connected emotionally well with her. I do consider her a good friend but my family (I stay with my parents) think I'm in an affair. This new friend also considers me her friend. Now my wife seems a little jealous of my friend, which is a good sign that there is still some hope to salvage this marriage. People have advised me both ways - to divorce and not to. I really want a happy life for myself and my daughter. I am confused - what should I do?
Ans: Dear JK, I can only imagine the stresses of the situation that you and your wife are in. But it takes two people to make a marriage.

And it would be worthwhile for both of you to understand that childbirth is a very transformative experience for entire family especially the new mother and the baby.

It is of utmost relevance here for them to have the support of the father and the family.

The emotional and physical needs of the man maybe ignored here but do know that your wife/ mother doesn’t do this as a well-thought idea but because her hormones dictate her mind and body.

But of course, if this has been something that has been going on for a while now even after a year of childbirth, it would be wise to have an open communication channel where the two of you understand each other’s needs and see how best as a couple you can fulfil them.

It is normal for a human to seek validation and attention from the external when his needs are not fulfilled at home. But the complications that can arise from that are something that you are well aware of.

You are an adult and you know what’s best for you and your family.

Having said this, if the choice is to make the marriage work, please don’t engage in finger pointing and instead think of ways to spice up your relationship.

Find someone to care for your child while you and your wife take a holiday.

If this also doesn’t work, I would suggest couples marital therapy where a professional may guide you to rebuilding your marriage.

Happy rebuilding and it’s worth working at it!

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

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

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Relationship
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!

..Read more

Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

..Read more

Kanchan

Kanchan Rai  |189 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2024

Asked by Anonymous - Feb 11, 2024Hindi
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Relationship
I am working in a central psu and my wife works for state govt and both are 48 yrs. We are married for 20 yrs and have 2 sons (20 &16). She is never expressive nor vocal, because of this our marital relationship have not seen even a single day of happiness. Her parents never ever made her realised that problem can be from her side too nor asked me even a single time whats is bothering me. She is over ambitious in her job and neglects everything in the personal life. This negligence started from the day 1 of the married life. She never try to understand the problem and reasons behind and just ignore and move ahead. This makes life miserable and likewise 20 yrs passed.. Its like when sons are moving out of home, I feel very much alone and sometimes feels to runaway from life...She dont show any emotions, giving the reasons that its her nature...She says loves me, but whats that love which is not felt by me for a single day...I wanted a wife not a nurse.. What to do....I lost my hope of life.
Ans: It's clear that communication and understanding between you and your wife have been lacking for quite some time. It's important to remember that marriage is a partnership, and both partners need to be willing to work on the relationship for it to thrive. It's also common for individuals to have different communication styles and emotional expressions, but it's crucial to find common ground and ways to connect despite these differences. Have an open and honest conversation with your wife about how you're feeling. It's important for her to understand the impact her behavior is having on you and your relationship. Establish boundaries around work and personal life to ensure that both of you are making time for each other and your family. Encourage your wife to prioritize your relationship and family time.Take care of yourself physically, emotionally, and mentally. This might involve engaging in activities that bring you joy, spending time with friends and loved ones, and seeking support from a therapist or counselor for yourself. change takes time, and healing a relationship requires effort and commitment from both partners. It's okay to feel discouraged and overwhelmed, but please don't lose hope. There are resources and support available to help you navigate this difficult time. You deserve to live a fulfilling and happy life, and it's never too late to work towards that goal.

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 17, 2024

Asked by Anonymous - Feb 11, 2024Hindi
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Relationship
Hi Anu, I am working in a central psu and my wife works for state govt and both are 48 yrs. We are married for 20 yrs and have 2 sons (20 &16). She is never expressive nor vocal, because of this our marital relationship have not seen even a single day of happiness. Her parents never ever made her realised that problem can be from her side too nor asked me even a single time whats is bothering me. She is over ambitious in her job and neglects everything in the personal life. This negligence started from the day 1 of the married life. She never try to understand the problem and reasons behind and just ignore and move ahead. This makes life miserable and likewise 20 yrs passed.. Its like when sons are moving out of home, I feel very much alone and sometimes feels to runaway from life...She dont show any emotions, giving the reasons that its her nature...She says loves me, but whats that love which is not felt by me for a single day...I wanted a wife not a nurse.. What to do....I lost my hope of life.
Ans: Dear Anonymous,
I am sure there is an issue that you are facing BUT to generalize it as: because of this our marital relationship have not seen even a single day of happiness.
Are you sure that has not been a single day or a single moment of feeling some joy? DO NOT indulge in this kind of belief as it only makes the issue look bigger than what it maybe.
If you feel alone, talk to her and tell her exactly how you feel. It's your marriage as well; do something to stay in it.
If there is a reason for her to be the way that she is, that needs to be addressed. Also, by complaining rather than facing the issue together, you are alienating yourself from the marriage. Give this a fair chance and deal with it in a mature way. Talking about it helps more than complaining; as she will bring her list of complaints and then it just gets into a loop.
- have an honest conversation
- make space for a back and forth conversation
If she refuses to talk, then possibly there is a need for a professional to intervene. She will also need to understand what hurts you and work on it, so that the marriage moves on smoothly. Marriage is a two-way dance.

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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I am running few SIP. My nominee is my son who lives in Europe. My question is if I die , in future can my NRI Son run the SIPs in his name
Ans: Yes, in most cases, your NRI son can run the SIPs in his name if you die. Here's how it typically works:

Nominee Inheritance: Since you've nominated your son, upon your death, he will be the legal heir to the SIP units.
Account Transfer: Your son will need to contact the Asset Management Company (AMC) managing the SIPs with the necessary documents proving his nominee status (death certificate, nominee form etc.). The AMC will then initiate the process of transferring the SIP accounts to your son's name.
Points to Consider:

Account Type: The process might differ slightly depending on whether the SIP account is held jointly or singly.
Tax Implications: There might be some tax implications depending on the type of SIP (equity or debt) and the country of residence of your son. It's advisable for your son to consult a tax advisor in his country of residence for any potential tax liabilities.
Here are some recommendations:

Contact AMC: Get in touch with the AMC managing your SIPs for their specific nominee inheritance and account transfer procedures. They can provide the most up-to-date information.
NRI Regulations: Advise your son to familiarize himself with any regulations specific to NRIs inheriting financial assets in India.
By following these steps, your son should be able to claim and manage the SIPs smoothly after your passing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Money
I am 55 years old and I will retire at the age of 62 years. I am under NPS and so far my NPS corpse is Rs. 1crore and I have MF of Rs. 25lakhs. I have been doing SIP of Rs. 20000/- for the last 10 years. Currently my sip amount is Rs.45000/- per month. My NPS tire 1 contribution is Rs. 67000/- per month. Are these enough for my retirement purpse ?
Ans: Firstly, let me commend you on your diligent efforts towards planning for your retirement. It's essential to evaluate your current financial position and assess if your savings and investments align with your retirement goals.

Evaluating Existing Retirement Corpus
NPS and Mutual Funds
Your NPS corpus of Rs. 1 crore and MF investments of Rs. 25 lakhs signify a significant portion of your retirement savings.
It's commendable that you've been consistently investing through SIPs over the past decade, demonstrating discipline and foresight.
Monthly Contributions
Your current SIP of Rs. 45,000 and NPS Tier 1 contribution of Rs. 67,000 per month reflect a substantial commitment towards retirement planning.
Regular contributions over an extended period can potentially lead to significant wealth accumulation over time.
Analyzing Retirement Adequacy
Consideration of Retirement Expenses
To determine if your savings and investments are sufficient for retirement, it's crucial to estimate your post-retirement expenses.
Consider factors such as living expenses, healthcare costs, inflation, and any additional financial commitments.
Retirement Income Sources
Apart from your NPS and MF investments, assess other potential sources of retirement income, such as pension benefits, annuities, rental income, or passive income streams.
Diversifying income sources can provide stability and resilience during retirement.
Conducting a Retirement Gap Analysis
Retirement Corpus Estimation
Estimate the corpus required to sustain your desired lifestyle and meet financial goals during retirement.
Consider factors like inflation, life expectancy, healthcare expenses, and any outstanding liabilities.
Assessing Shortfall or Surplus
Compare your estimated retirement corpus requirement with your existing savings and investments.
Identify any shortfall or surplus to determine if adjustments are necessary in your savings strategy.
Recommendations for Retirement Planning
Review and Adjust Strategy
Regularly review your retirement plan and make adjustments based on changing circumstances, financial goals, and market conditions.
Consider consulting with a Certified Financial Planner (CFP) for personalized advice tailored to your specific needs and objectives.
Explore Additional Retirement Avenues
Explore opportunities to enhance your retirement savings, such as voluntary contributions to NPS, tax-saving investments, or retirement-oriented mutual funds.
Ensure a diversified portfolio mix aligned with your risk tolerance and investment horizon.
Conclusion
In conclusion, while your current savings and investments demonstrate a proactive approach towards retirement planning, it's essential to conduct a comprehensive analysis to ensure adequacy. Regular monitoring, prudent asset allocation, and strategic adjustments can help you achieve your retirement objectives with confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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I got my first internship recently after completing my 3rd year in college. I will getting 56k+80k+80k over a span of 2.5 months. I was thinking about making a one time investment in mutual funds. Can you suggest a good strategy on what proportion of the money I should invest and what I should be using to spend. Any advice on what mutual fund would be best?
Ans: Congratulations on securing your first internship! It's a significant milestone in your journey towards building a successful career.

Understanding Your Financial Situation
Earnings and Timeframe
Your internship earnings of 56k+80k+80k over 2.5 months provide a substantial sum for investment.
Considering the temporary nature of your internship, it's essential to plan your finances wisely.
Developing a Balanced Approach
Allocation Strategy
A prudent strategy would be to divide your earnings into three categories: investment, savings, and spending.
Allocating a portion for investment ensures you're building wealth for the future while meeting immediate needs.
Investment Proportion
Considering your financial goals and risk tolerance, allocating a significant portion towards investment can yield long-term benefits.
However, maintaining liquidity for emergencies and short-term expenses is equally important.
Selecting Suitable Investment Avenues
Mutual Fund Investment
Mutual funds offer diversified investment options suitable for individuals with varying risk profiles.
Given your age and investment horizon, equity-oriented mutual funds may offer the potential for higher returns over the long term.
Equity vs. Debt Funds
Equity funds are suited for long-term wealth accumulation but come with higher volatility.
Debt funds offer stability and lower risk but may provide comparatively lower returns.
Considering Mutual Fund Selection
Actively Managed Funds
Actively managed funds are overseen by experienced fund managers who actively make investment decisions.
These funds aim to outperform the market and generate higher returns, making them suitable for investors seeking capital appreciation.
Disadvantages of Index Funds
Index funds, while low-cost and passively managed, may fail to outperform the market due to their passive investment approach.
They lack the potential for active fund management and may underperform during market rallies.
Conclusion
In conclusion, allocating a portion of your internship earnings towards investment in mutual funds can set a strong foundation for your financial future. A balanced approach that considers both short-term needs and long-term goals is key. Selecting actively managed mutual funds aligned with your risk profile and investment objectives can help you maximize returns over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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Sir, I am a retired Air Force veteran aged 59 yrs. My annual pension for FY 2023- 24 is 8 lakhs, out of which i have ppf subscription of 1.5 lakhs, mutual fund sip annually of 1.56 lakhs. I pay home rent also @ Rs 16000 per month from my pension. I have a TDS from pension amounting to Rs 40000/- in 2023 - 24. This year due to maturity of KVP I have income from other sources of Rs 4.1+ 40000+ 50000= Rs 5 lakhs. I already have paid 40000 as TDS, am paying 40000/- as advanced tax by 26 Mar 24. How much extra will be my tax liability for 2023-24? How can i save tax, please advice as i have no home loan, no health insurance etc.
Ans: Firstly, let me express my gratitude for your service to the nation as a retired Air Force veteran. Your dedication and sacrifice are truly commendable.

Evaluating Your Tax Liability
Pension Income and PPF Subscription
Your annual pension of 8 lakhs for FY 2023-24 is a significant source of income, subject to taxation.
The PPF subscription of 1.5 lakhs qualifies for deduction under Section 80C, reducing your taxable income.
Mutual Fund SIP and Other Sources of Income
The annual mutual fund SIP of 1.56 lakhs contributes to your investment portfolio but does not offer tax benefits.
Income from other sources, including the maturity of KVP and TDS, adds to your total taxable income.
Rent Payment and TDS
Paying home rent from your pension reduces your taxable income but does not qualify for tax deductions.
TDS from your pension and advanced tax payments are essential for compliance but may increase your tax liability.
Estimating Additional Tax Liability
Calculating Taxable Income
Deducting allowable exemptions and deductions from your total income will determine your taxable income.
Your tax liability will depend on the applicable tax slab rates for FY 2023-24.
Considering Tax Deductions
Exploring additional tax-saving avenues like Senior Citizen Savings Scheme (SCSS), Tax-saving Fixed Deposits (FDs), or National Pension System (NPS) contributions can help reduce your tax liability.
Tax-Saving Strategies
Leveraging Senior Citizen Benefits
As a senior citizen, you may benefit from higher tax exemption limits and additional tax-saving opportunities.
Senior Citizen Savings Scheme (SCSS) and Pradhan Mantri Vaya Vandana Yojana (PMVVY) offer attractive interest rates and tax benefits.
Maximizing Section 80C Deductions
Utilize the full potential of Section 80C deductions by exploring eligible investments such as Tax-saving FDs, SCSS, and Equity Linked Savings Schemes (ELSS).
Assessing Health Insurance Benefits
While you mentioned no health insurance currently, consider investing in health insurance plans to avail tax benefits under Section 80D.
Conclusion
In summary, optimizing your tax planning strategy requires careful consideration of available deductions and investments aligned with your financial goals. By exploring tax-saving avenues like SCSS, Tax-saving FDs, and health insurance, you can effectively reduce your tax liability while securing your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 15, 2024Hindi
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Money
Hi, I currently have a corpus of 50 lakhs and I am currently employed with a salary of 1.5 lakh per month. I have a home loan of 25 lakhs plus i and my husband are investing approximately 15 thousand in mutual funds by allocating 5k each in 2 quant mutual and kotak Mahindra mutual funds. I have a 5.5 year old kid I want to invest more for my kids education and I want to have a steady income as I am planning to retire early
Ans: Congratulations on your prudent financial habits and your commitment to securing your child's future education while planning for an early retirement. Let's devise a comprehensive strategy to maximize your investments and achieve your goals effectively.

Assessing Your Current Financial Position
Corpus and Income
With a corpus of 50 lakhs and a monthly income of 1.5 lakhs, you have a solid financial foundation.
However, your existing home loan of 25 lakhs may impact your disposable income and investment capacity.
Current Investments
Investing approximately 15 thousand monthly in mutual funds demonstrates your commitment to long-term wealth accumulation.
Diversifying across quant mutual funds and Kotak Mahindra mutual funds indicates a balanced investment approach.
Planning for Your Child's Education
Goal Clarity
Your desire to invest more for your child's education reflects your foresight and commitment as a parent.
Setting specific goals and timelines for your child's education expenses is crucial for effective financial planning.
Investment Strategy
Considering the time horizon until your child reaches higher education age, a mix of equity-oriented mutual funds can offer the potential for substantial growth.
Systematic Investment Plans (SIPs) in diversified equity funds can help build a robust education fund over time.
Early Retirement Planning
Retirement Vision
Your aspiration for early retirement underscores your focus on achieving financial independence and work-life balance.
Early retirement requires careful planning to ensure sufficient income streams for ongoing expenses and lifestyle maintenance.
Income Generation Strategies
Apart from your current employment income, exploring additional income streams such as rental income, dividends, or freelance work can enhance your financial stability.
Allocating a portion of your corpus towards income-generating assets like dividend-paying stocks or debt instruments can provide a steady cash flow during retirement.
Benefits of Regular Funds Investing through MFD with CFP Credential
Personalized Financial Guidance
Working with a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers personalized financial advice tailored to your specific needs and goals.
A CFP can help you navigate complex financial decisions, optimize your investment portfolio, and stay on track towards achieving your objectives.
Conclusion
By strategically allocating your resources towards your child's education and early retirement goals, you can build a secure financial future for your family. Leveraging the expertise of a Certified Financial Planner (CFP) will ensure that your investment strategy is aligned with your aspirations and tailored to maximize returns while minimizing risks.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 15, 2024Hindi
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Money
Hi, i am currently 27 years of age, will be 28 in 2 months, i currently have 1 lakh in my mutual funds and 1 lakh in my nps, i invest monthly 25k in nps, 10k in mirae assset elss find, 5k in quant small cap, 5k in icici bluechip large cap fund. I currently use ET money as investment platform. Kindly suggest if any change required in my investment strategy as i not only want a good sum of amount for my late 30s as well. I currently earn around 1.1 lac per month and plan to increase my invest amounf montly. Also could you let me know by 60 how much of corpus i can obtain?
Ans: It's commendable that you've started investing at a young age and are actively planning for your future financial security. Let's review your current investment strategy and explore opportunities for optimization to achieve your long-term goals.

Assessing Your Current Investments
Mutual Funds and NPS
You have a balanced approach with investments in both mutual funds and NPS, indicating a diversified investment strategy.
Regular contributions to NPS and SIPs in ELSS and small-cap funds demonstrate a disciplined savings habit.
Investment Platform
Utilizing ET Money as your investment platform provides convenience and accessibility to manage your investments digitally.
However, digital platforms may lack personalized advice and guidance compared to engaging with a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD).
Evaluating the Need for Changes
Disadvantages of Digital Platforms
While digital platforms offer convenience, they may lack personalized advice tailored to your specific financial goals and risk tolerance.
Without expert guidance, investors may miss out on opportunities for optimal portfolio allocation and risk management.
Direct vs. Regular Funds
Investing in direct funds through digital platforms may seem cost-effective due to lower expense ratios.
However, direct funds lack the personalized advice and ongoing support provided by MFDs or CFPs, which are essential for long-term financial planning and goal achievement.
Recommendations for Strategy Optimization
Engagement with a Certified Financial Planner (CFP)
Consider consulting with a CFP to receive personalized financial advice aligned with your goals and risk profile.
A CFP can provide holistic guidance, including tax planning, retirement planning, and wealth accumulation strategies.
Transition to Regular Funds through MFD
Switching from direct funds on digital platforms to regular funds through an MFD offers several benefits:
Access to personalized advice and ongoing support from a qualified financial professional.
Assistance in selecting the most suitable funds based on your financial goals, risk appetite, and investment horizon.
Regular reviews and portfolio rebalancing to ensure alignment with changing market conditions and personal circumstances.
Estimating Future Corpus by Age 60
Projected Growth
Based on your current investments and assuming a conservative annual return of 12-15%, we can estimate the future corpus by age 60.
Importance of Regular Monitoring and Adjustments
It's crucial to monitor your investments regularly and make adjustments as needed to stay on track towards your financial goals.
Engaging with a CFP or MFD ensures ongoing support and guidance to optimize your investment strategy over time.
Conclusion
While your current investment strategy demonstrates proactive financial planning, there's potential for further optimization by engaging with a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD). By transitioning to regular funds and receiving personalized advice, you can enhance the effectiveness of your investment strategy and maximize your long-term wealth accumulation potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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Hi i am 34 years old. I have started a 4 SIP each of 5000?, HDFC midcap opportunity fund direct growth, HDFC Index nifty fifty, Parag parekh flexi fund and Nippon India Small cap fund. Kindly suggest any changes or need to add more sip. I want to retire in next 12 years
Ans: Congratulations on taking proactive steps towards building your retirement corpus through SIP investments. Let's review your current portfolio and make necessary adjustments to align it with your retirement goal in the next 12 years.

Evaluating Your Current SIP Portfolio
Portfolio Composition
You've initiated SIPs in four funds, focusing on mid-cap, index, flexi-cap, and small-cap categories. This shows a well-diversified approach towards wealth creation.

Risk Profile
Your portfolio reflects a moderate to high-risk appetite, with exposure to mid-cap and small-cap funds known for their volatility.

Assessing the Need for Changes
Mid-Cap Fund
Advantage: Mid-cap funds have the potential for high growth, suitable for long-term wealth creation.
Consideration: Ensure you're comfortable with the higher risk associated with mid-cap stocks.
Index Fund
Advantage: Index funds offer broad market exposure at low costs, ideal for passive investors.
Consideration: While index funds offer stability, they may not outperform actively managed funds in bull markets.
Flexi-Cap Fund
Advantage: Flexi-cap funds provide flexibility to invest across market caps based on prevailing market conditions.
Consideration: Ensure the fund manager's strategy aligns with your investment goals and risk tolerance.
Small-Cap Fund
Advantage: Small-cap funds have the potential for high growth, but they come with higher volatility.
Consideration: Be prepared for fluctuations in returns and market risks associated with small-cap stocks.
Recommendations for Portfolio Optimization
Rebalancing the Portfolio
Consider rebalancing your portfolio to maintain an optimal asset allocation based on your risk tolerance and investment horizon.
Assess the current market conditions and performance of individual funds to make informed decisions.
Reviewing Fund Performance
Regularly monitor the performance of your SIP funds and assess their consistency in delivering returns.
Evaluate fund managers' track records, investment strategies, and portfolio compositions to ensure alignment with your goals.
Potential Addition of Debt or Hybrid Funds
Given the aggressive nature of your current portfolio, consider adding debt or hybrid funds to balance risk and provide stability.
Debt funds can provide steady returns with lower volatility, suitable for risk-averse investors approaching retirement.
Benefits of Regular Funds Investing through MFD with CFP Credential
Investing through a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers several advantages:

Personalized Advice: A CFP can provide tailored investment advice based on your financial goals, risk appetite, and investment horizon.

Portfolio Diversification: A CFP can help you build a diversified investment portfolio aligned with your objectives, spreading risk across various asset classes.

Ongoing Monitoring: With regular reviews and updates, a CFP ensures your investments stay on track to meet your goals.

Conclusion
Your current SIP portfolio demonstrates a proactive approach towards wealth creation for retirement. By reviewing and optimizing your portfolio periodically, you can ensure it remains aligned with your long-term financial goals. Consider consulting with a Certified Financial Planner (CFP) to receive personalized guidance and maximize your investment potential.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 14, 2024Hindi
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Hello sir, I'm 24, earning 1L a month, no big fixed expense. Just 10-15K miscellaneous. Apart from this i invest 10K in ELSS and 5k in LIC term policy. I do support my parents by sending some portion of my monthly salary (20-40k). I can manage other expenses. I need your help in aligning my funds such that I've a good corpus when i turn 28. I can invest aggressively. How much SIP i should do a month to collect 30L after 4 years?
Ans: It's great to see your proactive approach towards financial planning at such a young age. With your disciplined savings and willingness to invest aggressively, we can certainly create a solid plan to achieve your goal of accumulating a corpus of 30 lakhs by the age of 28.

Assessing Your Current Financial Situation
Income and Expenses
Your monthly income of 1 lakh provides a solid foundation for savings and investments. With minimal fixed expenses and miscellaneous spending, you have the flexibility to allocate a significant portion towards investments.

Current Investments
Investing 10,000 in ELSS funds and 5,000 in a LIC term policy reflects your commitment to long-term financial planning. It's commendable that you're already thinking about securing your future.

Family Support
Supporting your parents financially demonstrates your sense of responsibility and family values. It's important to factor in these commitments while planning your investments.

Aligning Your Investments for Growth
SIP Planning
To accumulate a corpus of 30 lakhs in 4 years, we need to determine the monthly SIP amount required. Given your willingness to invest aggressively, we can consider equity-oriented funds with high growth potential.

Risk Appetite
Since you're comfortable with aggressive investments, we can focus on equity mutual funds that have historically delivered higher returns over the long term, albeit with higher volatility.

Determining SIP Amount
Goal-Based Approach
We'll use a goal-based investment approach to calculate the SIP amount needed to achieve your target corpus of 30 lakhs by age 28.

Return Expectations
Considering your aggressive investment approach, we can target an annual return of around 12-15% from equity mutual funds.

SIP Calculation
Based on the expected returns and the time horizon of 4 years, we can calculate the monthly SIP amount required to reach your goal.

Monitoring and Review
It's essential to monitor your investments regularly and make adjustments as needed. Market conditions and personal circumstances may change, requiring periodic reviews of your financial plan.

Benefits of Regular Funds Investing through MFD with CFP Credential
Investing through a Certified Financial Planner (CFP) who is also a Mutual Fund Distributor (MFD) offers several advantages:

Personalized Advice: A CFP can provide tailored investment advice based on your financial goals, risk appetite, and investment horizon.

Portfolio Diversification: A CFP can help you build a diversified investment portfolio aligned with your objectives, spreading risk across various asset classes.

Ongoing Monitoring: With regular reviews and updates, a CFP ensures your investments stay on track to meet your goals.

Conclusion
With your proactive approach and willingness to invest aggressively, achieving a corpus of 30 lakhs by age 28 is feasible. By aligning your investments with your goals and leveraging the expertise of a Certified Financial Planner, you can build a solid financial foundation for the future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 15, 2024Hindi
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Sir , I am 32 year old , I am inventing since 2 year in want small cap , SBI Contra fund direct growth, and tata small cap total 6400 i invent per month , want to invent till I m 55 , can i achieve 8 cr.
Ans: It's commendable that you have started investing early and are committed to your financial goals. Let's assess your current strategy and see if it aligns with your goal of achieving an 8 crore corpus by the age of 55.

Current Investment Overview
You are currently investing ?6,400 per month in three mutual funds:

Small Cap Funds: ?4,000 per month
Contra Fund: ?2,400 per month
You plan to continue these investments until you turn 55, giving you a 23-year investment horizon.

Potential Growth of Your Investments
Small Cap Funds
Small cap funds have the potential to deliver high returns over the long term, but they also come with higher risk and volatility. With a 23-year horizon, you have the advantage of time to ride out market fluctuations and benefit from compounding.

Contra Funds
Contra funds invest in undervalued stocks, aiming for high returns when these stocks perform well. These funds can be a good addition to diversify your portfolio and balance the high-risk small cap investments.

Assessing Your Goal
To achieve an 8 crore corpus, we need to estimate the expected returns from your current investments. While exact returns cannot be predicted, historical data can give us an idea.

Expected Returns
Assuming a conservative annual return of 12-15% for small cap and contra funds, we can estimate the future value of your investments. Compounding over 23 years can significantly grow your investments.

Enhancing Your Investment Strategy
Increase SIP Contributions
One effective way to boost your corpus is to gradually increase your SIP contributions. Even a small annual increment can have a substantial impact due to compounding. Consider increasing your SIP amount by 10% annually.

Diversify Your Portfolio
While small cap and contra funds are good, adding more diversified funds can reduce risk and improve stability. Consider including large cap or balanced funds for a well-rounded portfolio.

Benefits of Actively Managed Funds
Actively managed funds offer the advantage of professional management. Fund managers actively select stocks based on research and market conditions, potentially delivering better returns than passive index funds.

Regular Monitoring and Rebalancing
Regularly review your investment portfolio to ensure it remains aligned with your goals. Market conditions change, and so should your investment strategy. Rebalancing helps maintain your desired asset allocation and risk level.

Conclusion
You have made a great start with your investments. By continuing your current SIPs and considering incremental increases, you can significantly enhance your chances of achieving an 8 crore corpus by 55. Diversifying your investments and leveraging actively managed funds will also help manage risks and optimise returns.

Final Advice
Stay committed to your investment plan and be open to periodic adjustments based on market conditions and personal financial changes. Consulting a Certified Financial Planner (CFP) can provide personalised advice and help you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2636 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 13, 2024Hindi
Money
Hi , I am 51 years old & have been working in a reputed private firm . I have been a risk averse & have been investing in Govt securities , EPF & VPF . Current corpus is - 3 cr in Govt securities as principal (NSC , PO TD , KVP) , 3.7 cr in EPF , 10 L in LIC Annulity , 15 L in PMVVY , 9 L in POMIS , 20 L in Sukanya Samriddhi Yojana , 1.2 crore in Bank FD , One house with current value 70 L other than self occupied , will get 25 L as gratulity on voluntary retirement . My only daughter entering college in current year .I wish to retire next year .Please advise future asset allocation post retirement for daughter 's education & marriage alongwith monthly expenditure of 1.5 L pm .
Ans: Congratulations on accumulating a substantial corpus through disciplined investing. Your cautious approach has built a strong foundation for your retirement and future needs. Let's structure a plan to ensure financial stability for your daughter's education, marriage, and your monthly expenses.

Current Financial Snapshot
Govt Securities (NSC, PO TD, KVP): ?3 crores
EPF: ?3.7 crores
LIC Annuity: ?10 lakhs
PMVVY: ?15 lakhs
POMIS: ?9 lakhs
Sukanya Samriddhi Yojana: ?20 lakhs
Bank FD: ?1.2 crores
Gratuity (Expected): ?25 lakhs
House (Investment Property): ?70 lakhs
Monthly Expenditure: ?1.5 lakhs
Financial Goals
Daughter’s Education and Marriage
Monthly Expenditure of ?1.5 lakhs
Maintaining an Emergency Fund
Ensuring Stable Post-Retirement Income
Future Asset Allocation Strategy
1. Daughter’s Education and Marriage
You need to ensure sufficient funds for your daughter’s education and marriage. The key is to invest in low-risk, stable return instruments.

Sukanya Samriddhi Yojana (SSY): Continue this for her education and marriage. It provides a good interest rate and tax benefits.

Bank Fixed Deposits (FDs): You have ?1.2 crores in FDs. Allocate a portion of these towards her education fund, maturing around her college years.

POMIS and PMVVY: These provide regular interest, which can be reinvested or used as needed.

Estimated Allocation:

Education Fund: ?50 lakhs in FDs (adjust the maturity to her college years)
Marriage Fund: Continue SSY contributions and consider an additional ?30 lakhs in FDs maturing around her expected marriage age.
2. Monthly Expenditure
Your requirement is ?1.5 lakhs per month. This can be ensured through a mix of annuities, interest income, and withdrawals from your corpus.

LIC Annuity and PMVVY: These provide regular monthly income. Calculate their combined monthly payout and subtract from your ?1.5 lakh requirement.

EPF and Govt Securities: These can be gradually withdrawn to supplement your monthly income.

Estimated Allocation:

LIC Annuity and PMVVY Monthly Income: Assume ?30,000
EPF and Govt Securities Withdrawals: Regular systematic withdrawals to cover the remaining ?1.2 lakhs monthly
3. Emergency Fund
Maintain a robust emergency fund to cover at least 12 months of expenses. This should be liquid and accessible.

Emergency Fund: ?20 lakhs in liquid mutual funds or savings accounts
4. Investment Property
The second house worth ?70 lakhs can generate rental income or be sold for a lump sum.

Rental Income: Consider renting out the property for additional monthly income. Assume ?25,000 - ?35,000 monthly.
Detailed Asset Allocation Post-Retirement
Low-Risk Investments
Govt Securities: Continue holding for stable returns.
EPF: Withdraw systematically.
Bank FDs: Allocate part for daughter’s education and marriage.
POMIS: Continue for regular interest.
SSY: Continue contributions for daughter’s future.
PMVVY and LIC Annuity: Continue for guaranteed monthly income.
Moderate Risk Investments
Mutual Funds: Consider balanced mutual funds for growth and income. Allocate a portion of your corpus to balanced or conservative hybrid funds to maintain moderate growth.
High Liquidity
Liquid Funds: Maintain an emergency fund of ?20 lakhs for immediate needs.
Savings Accounts: Keep a portion of your funds for monthly expenses.
Suggested Asset Allocation
Education and Marriage Fund:

FDs: ?50 lakhs for education
SSY and FDs: ?30 lakhs for marriage
Monthly Income:

LIC Annuity and PMVVY: ?30,000 per month
EPF/Govt Securities Withdrawals: ?1.2 lakhs per month
Rental Income: ?25,000 - ?35,000 per month
Emergency Fund:

Liquid Funds/Savings Account: ?20 lakhs
Growth and Income:

Balanced Mutual Funds: ?50 lakhs to ?1 crore
Regular Review and Adjustment
Ensure regular review and adjustment of your portfolio to align with changing market conditions and personal needs. Consulting a Certified Financial Planner (CFP) will help you tailor the plan and make informed decisions.

Conclusion
Your disciplined savings and strategic investments have put you on a strong path to a comfortable retirement. By reallocating your assets prudently, you can ensure financial security for yourself and your daughter's future needs.

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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