I am a married man from last 20 years. I am unable to understand the psychology of my wife. she always complains me that she doesn't feel any belongingness from my end and keep her on last priority. further, I always take care of my mother, sisters and friends. I always talk to her in a very rude and loud voice. whenever i approach her she starts blaming me and after sometime, I became irritated by her repetitive statements. whenever she approach me to patch up after few moments she said that I am talking loud and non sense. please guide me how to tackle this problem to rejuvenate the relation?

Ans: You've done an excellent job of building a substantial corpus for your family's future, and your commitment to both debt and equity investments is commendable. Let's delve into whether it's wise to increase your mutual fund (MF) investments at this stage and whether to adjust your contributions to PPF and Sukanya accounts:

Assess Your Financial Goals: Consider your financial goals, time horizon, and risk tolerance when deciding on the allocation between debt and equity investments. While debt instruments like EPF, PPF, and Sukanya Samriddhi Yojana offer stability and tax benefits, equity investments through MFs provide growth potential over the long term.
Diversification is Key: It's important to maintain a diversified investment portfolio that balances risk and return. Given your substantial debt investments in EPF, PPF, and Sukanya accounts, increasing your exposure to equity through MFs can help diversify your portfolio and potentially enhance returns, especially considering your long investment horizon.
Evaluate Investment Horizon: At your age, you still have a significant investment horizon ahead of you, which allows you to benefit from the power of compounding and weather market fluctuations. Since equity investments tend to perform well over the long term, increasing your MF contributions can be a prudent strategy to capitalize on growth opportunities.
Review Your Financial Position: Assess your current financial position, including your income, expenses, and savings capacity, to determine if you have the flexibility to allocate more funds towards MF investments. Given your saving capacity of 15 lakhs per annum after EPF contributions, you may consider redirecting a portion of these savings towards MFs to achieve a balanced portfolio.
Consult a Financial Advisor: Consider consulting with a Certified Financial Planner to evaluate your investment strategy holistically. A financial advisor can help assess your risk profile, recommend suitable asset allocation, and tailor an investment plan aligned with your financial goals and aspirations.
Regularly Monitor and Adjust: Continuously monitor your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment objectives. Stay informed about investment opportunities and make informed decisions to optimize your portfolio's performance over time.
Ultimately, the decision to increase MF investments and adjust contributions to PPF and Sukanya accounts depends on your individual circumstances, goals, and risk appetite. By carefully evaluating these factors and seeking professional advice, you can make informed decisions to build a robust and diversified investment portfolio that serves your family's long-term financial well-being.