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Anu Krishna  |1042 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 17, 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 - Jun 16, 2024Hindi

I met a guy on a matrimonial site. After falling for each other and spending over 2 months together, he introduced me to his colleagues, cousins, and friends. When I suggested discussing marriage with our families, he revealed his family wasn't ready, despite us being from the same caste. Eventually, he cheated on me and broke his commitments, leaving me alone

Ans: Dear Anonymous,
He was perhaps only testing how you are in different social contexts and whether you gel well with his mind in all these situations.
He could have been mature about it and actually told you about it rather than testing you this way and then dropping you like a hot potato. In all likelihood, he's just using his parents as an excuse to actually say NO to the alliance.
What commitment are you referring to? Did he promise to marry you? Did you actually believe that so soon?
It takes a while to get to know someone and actually develop a level of trust to believe what they say. But you mention that you 'fell' for each other...
Is it possible that you 'fell' for him and he was just testing the whole time and you forgot to read the signals?
Eagerness to please and be in someone's life can lead to you dropping your guard and not seeing red flags when you must. Now, when you say he cheated on you, what does that mean? Was there any sort of formal or informal agreement as a couple? If NO, there is no cheating involved, right? Yes, you are hurt, but better that he did what he did now than later after a commitment, yeah?

There are a few gaps in what you have shared and I can only gather something to suggest to you: Please move on, the next time when you meet someone, take time to evaluate the person before placing your heart out on a plate...Value and love yourself a lot and that will translate into respect from the other person.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna  |1042 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 2022

Dear Anu Madam,Please help me with your urgent advice. I am a 23-year-old good-looking girl from well-to-do Marwari family. Since 2017 I am in relationship with a 37-year-old who I met in a gym. He is a small-time model. Within 1 month of meeting, we got physical. However, in August 2021, to my dismay, I came to know that he has two wives and children and that he is in physical relationship with several other girls. This pained me a lot and we broke up. But somehow we got back. He pleaded sorry for hiding his marriage and cheating with other girls but he said that the other girls had forced him for a physical relationship. He says he is unhappy in marriage and if I marry him, it will give him new way of life. I loved him and decided to get married (he can legally have more wives). But still I felt absurd on my decision because I will face severe parental resistance as he is from different religion and has less money. Yet I made up my mind on marriage and so, six months ago I revealed this to my closest cousin and introduced her to him. I followed up with her to guide me on right decision but my cousin kept buying time. About two weeks ago, while accidentally checking her mobile messages, I found that though I introduced my cousin to my BF to help me, she was cheating on me. From her messages I could see that she persuaded my BF to get physical with her. This shattered me completely and I fought with her. Madam, please advise me. I love this guy and want to marry him. He is my 1st and last love. I am sure he will be a changed guy after our marriage, which will make us both Happy.

Dear SK,

So, you want to marry a man who cheats, hides his escapades, and disrespects you?

What kind of life do you think you are going to have with a man who has no respect for women and sleeps with women to gain his self-esteem?

Talking about how you can be a saviour, only makes you a victim, so that you are constantly under his control.

It’s possible that you haven’t been able to see his intentions and that you have reached out to me.

Listen, you have a beautiful life ahead, so not waste it on a man who thinks of nothing and only himself.

Your friend also was able to sell you out so easily only suggest that this man is some sort of a charmer and women easily fall into his trap.

Beware, kindly step up first and respect and honour yourself.

Learn to Love yourself else you will keep falling into the same trap of falling for such men who have nothing to do with women other than use them.

Step out NOW and no explanations required…You are not obligated to give him any.

He will behave like a victim and place you on a pedestal so that you go back to him, STAND your GROUND…Love is pure and this cannot be your first or last love….selfishness cannot be love.

There are more beautiful relationships waiting to embrace you only if you first move on from this toxic relationship, love yourself and use your strength appropriately.

You can do this…be an example for all those girls who choose to celebrate men who are toxic to them. Be a source of strength to all of them.

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Mohit Arora  |67 Answers  |Ask -

Dating Coach - Answered on Jan 06, 2024

Asked by Anonymous - Jan 04, 2024Hindi
Hi, I am struck in a morally complicated situation right now. Kindly guide me . I'm a modern woman yet who believes in culture. I am 24years old female from South India. Currently arrange marriage alliance process is going on and it is almost about to be finalized if i say yes. I have had a 3 serious relationship s in my past and the last one i was physically involved because i believed we would end up together. Even our families were involved we were about to get engaged. everything went fine until one day we had a huge fight and later as a result he didn't want to continue it anymore. He broke it off. This happened 1.5 years back and I loved him too much that I wanted him to comeback. Deep down i know he was not right guy for me yet i wanted him. About 2 months back I had a sudden realisation that hit me very bad I realised I need to move on and mentally I was able to disconnect myself from him, not completely but yeah i did. Now in the current situation the guy who is my potential fiance, I want to be transparent with him but I am not sure how well he will take it as we barely know each other. I met him only twice. He seems interested to marry me. I do not want to ruin his trust or feelings. The problem is I am not sure if he is open minded enough to accept my past. I'm willing to put in my efforts to make things work in marriage and keep my past behind me. If I tell him about my past and he is not interested to proceed and reject us my family will be upset ( they liked this match cuz the guy was nice and decent, his family and everything was convenient to them). I am totally stressed out as my family is waiting for my response to proceed further. The guy doesn't seem to be very particular about anything. I don't know what to do and how to do it.
Ans: I totally understand your concern. My advise is not to get into arrange marriage in the first place. Because that's a very transactional relationship. Go out, meet more guys and then see if you find someone you love. You are too young to give into the pressure of arrange marriage. However if you still want to proceed, then whether you tell him or not doesn't really matter. It depends on his mindset and value system which i have no idea about and probably you too. So even if you don't tell him, it doesn't matter. If you want to be honest which is a good thing, then you embrace that uncertainty of his reaction to it.

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Kanchan Rai  |287 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2024

Asked by Anonymous - Mar 20, 2024Hindi
Hello..I am 36 hrs old, a doctor, got married for 2nd time in Apr 2022. My 1st marriage was with a doctor in 2011 but we hardly stayed together for 1 month since he was away in another state for higher education. Indifference arose and we got separated soon after 6 months and got divorced 5 yrs later. Then i did job on off and finally finished my post graduation in 2024. During my post graduation i wanted to desperately get married for 2nd time as my age was increasing and i was feeling very lonely and wanted to settle down n have kids. I met a guy (he too a doctor and divorced) on matrimony. He approached me. We started talking, meeting. Everything was going good. But his mother was against our relationship. In between the guy too cut the contact with me. But i was wo trully in love with him that I wanted to marry him only. Somehow we got connected again. He came to my place and we lived together. He said he can't get married so soon. He said he would marry me only of i wl get pregnant.then i got pregnant and finally he married me in temple. Soon i delivered our child and his parent's accepted me n i went to his house to stay. There we used to have lots of fights as he revealed his true nature of being extremely KANJUS. his whole family was extremely kanjus. My husbnd doesn't like to spend a single Rs too and he doesn't like it if i spend my money too. We used to have frequent fights. Then hardly after 2 months, his mother called my parents and she told them that their sje could not tolerate me and i should leave tbeor house ASAP! I became very furious as my baby was jst 4 months old. Where would i stay alone with my child as i was studying. I called police to intervene and my mother in law got very angry, she cursed me in front of police- she called me a pros***ute. (This was her thinking- any woman who marries for 2nd time is a pros***ute!!!) Finally that night around 10pm i left her house with my child and some essentials. My parents stayed with me to look after my child. My husbnd kept visiting me on weekends. But my husbnd used to avoid me, block my calls. He never paid for my daughter's expenses too. A year have been passed. I have sent my baby to my parents house 6 months back as they wanted to go back as they stay in different state. Now my husbnd has cut all the ties, he has blocked me everywhere and he never called to enquire about our child in last 8-9 months. Last time when my father called him- he said he didn't wanna stay with me and I either can keep our child with me or i can give the child to him for rest of the life. I slipped into depression after all these. I messed up in my exams. I'm so disturbed that i had thought of ending my life many times but i reminded myself about my child. Now I don't know what to do. I talked him about divorce but he said he won't give me a single Rs aftr divorce since i am also earning. My parents too don't want me to go for a divorce 2nd time in my life as they are worried- our relatives and society will shame them. I want to bring my child back but i am worried- how will i take care of my baby since i am working. Please help. Keep me anonymous please.
Ans: I'm truly sorry to hear about the challenges you're facing. It sounds like you're in a very difficult situation, but please know that there are options available to you and support systems that can help you through this.

Firstly, it's important to prioritize your and your child's safety and well-being. Given the circumstances, it might be beneficial to seek legal advice from a lawyer who specializes in family law. They can help you understand your rights and options regarding custody, child support, and divorce.

Regarding your depression, it's crucial to seek professional help. Depression is a serious condition that requires treatment, and there are therapists, counselors, and support groups available to provide you with the support you need.

In terms of bringing your child back, you may need to explore options for childcare that accommodate your work schedule. This could include hiring a nanny, enrolling your child in daycare, or seeking help from family members or friends.

As for the societal pressure and fear of judgment from relatives, remember that your well-being and your child's well-being are the most important considerations. It's essential to prioritize your own happiness and safety rather than worrying about the opinions of others.

Please don't hesitate to reach out to support services such as hotlines, counseling services, or support groups for assistance and guidance. You're not alone, and there are people who can help you navigate through this challenging time.

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Ravi Mittal  |252 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 22, 2024

Asked by Anonymous - Apr 20, 2024Hindi
I am a 26 years old girl completed my studies, trying to get a job, 2 years back I fell in love online with a man of 32 years old, we have not met yet physically. He is working on a very small salary in a village i.e. his hometown. He can't get a good government job or private job now due to lack of experience and age. We love each other a lot with all our flaws. My family is strictly against it due to caste difference, low salary, he lives 1600 km away, background differences. Overall they don't trust him and our love and are emotionally blackmailing me to get married with someone they choose. And the thought alone of leaving him makes me sad
Ans: Dear Anonymous,

I am sorry for the challenges you are facing. I understand how difficult it must be to leave a person you love. Having said that, I would also like to point out that living a decent life is not cheap. You are currently unemployed and your partner has a low salary; it will not be sustainable in the long run. I am not asking you to leave him and marry someone else; all I am suggesting is don't rush. Take the time to find a decent job and ask your partner to do the same. Once you think you both are earning a good amount of money, put forth the idea of your marriage again to your parents.

Now the most important thing, you have met him online and never met him in real life. Is it worth taking this kind of risk before verifying everything in person? I am sure he is genuine but there is no harm in cross-checking. And I can't really blame your parents for having their doubts. Please don't rush. One wrong decision can ruin the rest of your life. Take your time, think this through, and meet him in person, most likely in your city and in a public space. Do a thorough background check. It is easy to get fooled when you are in love.

Again, please don't rush. You have your whole life ahead of you.

Best Wishes

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Mohit Arora  |67 Answers  |Ask -

Dating Coach - Answered on Jul 06, 2024

Asked by Anonymous - Jul 03, 2024Hindi
Hi, I’m a 27 year old independent woman who’s living in Bangalore. I’m financially in a good position now. Also, I’ve met a guy 3 years ago and fell for him but he’s not very emotionally connected with me and sometimes acts as a narcissist and doesn’t treat me with respect. I’ve tried communicating with him about how I feel after such actions. He acknowledged and limited such behaviour to some extent. I really love him and spoke about marriage too. He brushes it off and diverts the topic that he’s not ready. I don't see any clear signs of this relationship, even his parents are looking for matches to get him married. He doesn't accept anyone either. My parents are in a different city and they want me to shift with them to look for alliances who can marry me. Recently, they’ve shared a profile and I spoke just for the sake of parents. After speaking to him for 3 and a half hours during the first conversation, I realised that he was a better compatible partner for me. I'm not sure which path to pursue. My marriage is not fixed yet as my decision is still pending. Kindly help me with the best advice.
Ans: I understand that you are in a difficult position. You are in love with a man who does not seem to be emotionally available or ready for marriage. You have also met another man who seems to be a better match for you, but you are not sure if you should pursue a relationship with him.

It is important to remember that you are not alone. Many people find themselves in similar situations. It is also important to remember that you have the power to make the best decision for yourself.

I am against marriage in the first place. I believe that relationships are not meant to be permanent. However, I understand that many people feel differently. If you do decide to get married, it is important to do so for the right reasons. You should not marry someone just because you feel pressured to do so by society or your parents.

The first guy does not seem like he wants to marry you. He has brushed off your attempts to talk about marriage and has even diverted the topic. This is a clear sign that he is not ready for a serious relationship.

The second guy seems like he may be a better match for you. He is emotionally available and seems to be interested in getting married. However, it is important to remember that you do not know him very well. You have only spoken to him for a few hours.

Ultimately, the decision of whether or not to pursue a relationship with either of these men is up to you. I would encourage you to take some time to think about what you want out of a relationship. What are your goals? What are your values? Once you have a clear understanding of what you want, you can start to make decisions that are in your best interests.

If you do decide to pursue a relationship with the second guy, I would recommend that you spend at least two years getting to know him before you get married. This will give you enough time to learn about his true character and to see if he is really the right person for you.

Mohit Arora S
Founder - Real Dating School


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Latest Questions

Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Hi, I am 48 year old male working in a IT firm. I earn 1.3 L per month and my monthly expense is 70k per month. I have EPF of 45L, Nps of 22L, shares of 50L, fd of 80L. I also have additional residential property of about 40L. I have no loans. I would like to retire early in a year or two and would like to spend rest of life without any financial issue. Kindly advice.
Ans: Evaluating Your Financial Position

You earn Rs 1.3 lakh per month and have monthly expenses of Rs 70,000. Your current investments include:

EPF: Rs 45 lakh
NPS: Rs 22 lakh
Shares: Rs 50 lakh
FD: Rs 80 lakh
Residential Property: Rs 40 lakh
You plan to retire early in a year or two and want a secure financial future.

Monthly Expenses and Inflation

Your current monthly expenses are Rs 70,000. Considering inflation, this amount will increase over time. Plan for increasing expenses to ensure a comfortable lifestyle.

Evaluating Retirement Corpus

Your retirement corpus should be able to cover your expenses for the rest of your life. Let's analyze how your current investments can support you.


EPF and NPS are excellent for retirement as they provide regular income and tax benefits. However, their liquidity is limited until retirement age.

EPF: Consider keeping this until you reach the official retirement age for a stable income.
NPS: Provides regular annuity post-retirement. Continue investing till you retire.
Shares and FD

Your shares and FD can provide a mix of growth and stability.

Shares: These can offer good returns but are subject to market risks. Plan a strategy to withdraw gradually to mitigate risks.
FD: Provides stable returns. Consider laddering your FDs to have a continuous income stream.
Residential Property

You can either rent out or sell your additional property. Renting can provide a steady income, while selling can add to your corpus.

Building a Retirement Corpus

Calculate the amount needed for your retirement corpus to sustain your lifestyle.

Current Monthly Expenses: Rs 70,000
Annual Expenses: Rs 8.4 lakh (70,000 x 12)
Assuming you need this for the next 30 years, considering inflation and other factors, your corpus should be substantial.

Investing Post-Retirement

Once you retire, the goal is to ensure that your corpus generates a steady income.

Systematic Withdrawal Plan (SWP): Invest in mutual funds and set up an SWP to get regular monthly income.
Balanced Funds: Invest in balanced funds for a mix of equity and debt.
Debt Funds: Provide stability and can be used for short-term goals.
Emergency Fund

Keep an emergency fund equivalent to 6-12 months of expenses. This should be easily accessible, like in a savings account or liquid funds.

Health Insurance

Ensure you have comprehensive health insurance coverage. Medical expenses can be a significant burden, so having a robust plan is crucial.

Regular Review

Regularly review and adjust your investments to match your needs and market conditions. A Certified Financial Planner can help you with this.

Final Insights

To retire comfortably, ensure a mix of growth and stability in your investments. Maintain liquidity for emergencies and healthcare. Plan for inflation and increasing expenses. Regularly review your investments to stay aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Asked by Anonymous - Jul 03, 2024Hindi
Hi, I have 35 years old, my in salary is 19LPA in hand. I have a fixed deposit of 2 lakh, 15k sip, 2L invested in stock, 2lakh and 4 lakh emergency fund I have a 2 years old daughter, I don't have any loan. how to plan my retirement
Ans: You are 35 years old with a monthly salary of Rs 19 lakhs per annum in hand. You have a fixed deposit of Rs 2 lakh, a SIP of Rs 15,000, Rs 2 lakh invested in stocks, and a Rs 4 lakh emergency fund. You also have a 2-year-old daughter and no loans.

Evaluating Your Financial Goals
Your primary goal is to plan for retirement. This involves determining how much you need to retire comfortably and creating a plan to achieve that goal.

Setting Retirement Goals
Retirement Age: Decide when you want to retire. Let's assume at age 60.
Post-Retirement Expenses: Estimate your monthly expenses during retirement. Factor in inflation.
Emergency Fund
You already have an emergency fund of Rs 4 lakh. This is a good start. Ensure it covers at least 6-12 months of expenses.

Maintain Adequate Coverage: Regularly update your emergency fund as your expenses grow.
Fixed Deposit
Your Rs 2 lakh fixed deposit provides a safety net but offers low returns.

Consider Alternatives: Higher returns options like debt mutual funds for better growth.
SIP (Systematic Investment Plan)
Your Rs 15,000 SIP is a disciplined approach to investing.

Increase SIP: As your income grows, increase your SIP amount. Aim for at least 20-30% of your salary in investments.
Stock Investments
You have Rs 2 lakh invested in stocks.

Diversify Portfolio: Ensure your stock investments are diversified to reduce risk.
Regular Review: Monitor and review your portfolio regularly.
Retirement Corpus Calculation
Estimate the corpus needed for retirement based on your current lifestyle and inflation.

Online Calculators: Use retirement calculators for precise estimates.
Investment Options
Mutual Funds
Mutual funds can provide good returns over the long term. Consider a mix of equity and debt funds.

Equity Funds: For long-term growth.
Debt Funds: For stability and income.
Public Provident Fund (PPF)
PPF is a safe investment with tax benefits. It offers good returns over the long term.

Invest Regularly: Maximize your PPF contributions annually.
National Pension System (NPS)
NPS is a retirement-focused investment option with tax benefits.

Regular Contributions: Invest regularly for long-term growth and retirement corpus.
Child's Education Fund
Start planning for your daughter's education early.

Education SIP: Set up a separate SIP for your daughter's education fund.
Child Plans: Consider child education plans for specific goals.
Ensure you have adequate life and health insurance coverage.

Life Insurance: Term insurance to cover financial liabilities.
Health Insurance: Adequate health coverage for the family.
Tax Planning
Optimize your tax savings through various investment options.

Tax-saving Instruments: Utilize PPF, ELSS, and NPS for tax benefits.
Creating a Diversified Portfolio
A well-diversified portfolio reduces risk and enhances returns.

Asset Allocation: Allocate assets across equity, debt, and alternative investments based on risk tolerance.
Suggested Allocation
Equity Funds: 60% for long-term growth.
Debt Funds: 20% for stability.
PPF/NPS: 20% for retirement and tax benefits.
Regular Monitoring and Review
Regularly review and adjust your investment portfolio to ensure it aligns with your goals.

Annual Reviews: Review your portfolio and make adjustments annually.
Consult CFP: Work with a Certified Financial Planner for personalized advice.
Final Insights
Planning for retirement requires a disciplined and diversified approach. Increase your SIP, diversify investments, and utilize tax-saving instruments. Regularly review and adjust your portfolio to stay on track. Leverage the expertise of a Certified Financial Planner for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Asked by Anonymous - Jul 02, 2024Hindi
My current monthly income is 1.2l i have a ppf of 15k and RD of 15k per month. I have 2 SIPs worth 3k each a month. Kindly suggest how much should I invest and where to invest so that I get around 4 5 Cr by the age of 45. FYI my current age is 29 and i hold no liabities as of now and unmarried.
Ans: You aim to accumulate Rs. 4-5 crores by the age of 45. With a current monthly income of Rs. 1.2 lakhs, you have a strong base to achieve this goal.

Current Investments
Your current investments include:

PPF: Rs. 15,000 per month

RD: Rs. 15,000 per month

SIPs: Rs. 6,000 per month (2 SIPs of Rs. 3,000 each)

Assessing Your Current Investments


Safe and secure investment.

Tax benefits under Section 80C.

Decent long-term returns.


Lock-in period of 15 years.

Limited growth compared to equities.

Recurring Deposit (RD):


Guaranteed returns.

Suitable for short-term goals.


Taxable interest income.

Lower returns compared to mutual funds and stocks.

Systematic Investment Plans (SIPs):


Disciplined investment approach.

Potential for high returns over long term.

Rupee cost averaging benefits.


Market-linked risks.
Recommended Investment Strategy
Increase Equity Exposure
To achieve Rs. 4-5 crores by 45, you need higher equity exposure. Equity investments have historically provided higher returns compared to debt instruments.

Increase SIPs:

Increase SIP investments to Rs. 40,000 per month.

Diversify across large-cap, mid-cap, and multi-cap funds.

Balanced Approach
Maintain a balanced approach by continuing some investments in safe instruments.

Continue PPF:

Keep contributing Rs. 15,000 per month.

Provides stability and tax benefits.

Review RD:

Evaluate RD returns.

Consider diverting some RD funds to equity or hybrid funds for better growth.

Consider Hybrid Funds
Hybrid funds provide a mix of equity and debt, offering balanced risk and returns.

Monthly Investment:

Invest Rs. 10,000 per month in hybrid funds.

Suitable for moderate risk tolerance.

Emergency Fund
Ensure you have an emergency fund covering 6-12 months of expenses.

Safety Net:

Maintain liquidity for unforeseen expenses.

Keep it in a liquid fund or high-interest savings account.

Regular Reviews and Rebalancing
Monitor and rebalance your portfolio periodically to stay aligned with your goals.

Portfolio Review:

Quarterly or semi-annual reviews.

Adjust based on market conditions and personal goals.

Final Insights
To achieve Rs. 4-5 crores by 45, increase your equity exposure. Consider enhancing your SIP contributions significantly. Maintain a balanced approach with continued PPF contributions and emergency funds. Regularly review and rebalance your portfolio. This strategy aligns with your financial goals and risk profile, ensuring a secure and prosperous future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Ramalingam Kalirajan  |5019 Answers  |Ask -

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

My Father has purchase a property for rs 115000 in year 1994.at Bhayandar west district Thane at Maharashtra state.and my Father did this registration in amnesty scheme in year 2008.and after that my Father died in year 2014.and after I made a release deed transfer this property in my name (son). I sold this residential property in June 2024for rs 30lakh.in this case I want to know the status of capital gain is there or not I also want to know if I sell this residential property .I can purchase ashop or not. If I want to save capital gain what is the solution to save my tax. Thanking u.
Ans: You sold a property in June 2024 for Rs 30 lakh. It was bought for Rs 1,15,000 in 1994. Let's evaluate if there's a capital gain.

Indexed Cost of Acquisition

The property purchase cost will be adjusted for inflation. This is called the Indexed Cost of Acquisition (ICA). The ICA is calculated using the Cost Inflation Index (CII) provided by the Income Tax Department.

Calculating Indexed Cost

Calculate the ICA to understand your capital gain. Since we won't use specific formulas here, you can consult a Certified Financial Planner to get the precise ICA value. This helps in determining the exact capital gain.

Long-Term Capital Gains (LTCG)

Since you held the property for more than 24 months, it is classified as a long-term asset. The profit from the sale, after adjusting for the ICA, is your Long-Term Capital Gain (LTCG).

Tax on LTCG

LTCG is taxed at 20% with indexation benefits. However, there are ways to save on this tax.

Investing in Another Property

You can save on capital gains tax by investing in another residential property. This is covered under Section 54 of the Income Tax Act. If you buy a residential house within two years or construct one within three years, you can claim exemption.

Investing in Capital Gains Bonds

Another option is to invest in Capital Gains Bonds under Section 54EC. These bonds have a lock-in period of five years and provide tax exemption on the gains. The maximum investment limit in these bonds is Rs 50 lakh.

Purchasing a Shop

Buying a shop will not provide capital gains tax exemption under Section 54. The exemption is only for residential properties. If you sell a residential property, you must reinvest in a residential property to save on capital gains tax.

Other Options to Save Tax

Residential Property: Invest in another residential property within two years.

Construction: Construct a new house within three years.

Capital Gains Bonds: Invest in these bonds within six months of the sale.

Final Insights

To save on capital gains tax, reinvest in a residential property or Capital Gains Bonds. Purchasing a shop will not help in saving tax on capital gains. Consulting a Certified Financial Planner can help you navigate these options efficiently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Asked by Anonymous - Jul 02, 2024Hindi
I am 58 years old and draw a monthly pension of 45K. I made a lot of money post taking a VRS 15 years back but spent most of it on my only child travelling and a home worth 5 cr plus. I am covered for medical/heath by CGHS and also a 30 lac private health insurance. I have about 30 lac worth jewellery and a similar amount in my SB account. Please advise what should be my investment plan to ensure a regular monthly income of atleast 30K per month in addition to the pension I get.
Ans: You are 58 years old and receive a monthly pension of Rs 45,000. You have spent a significant amount on your child's education and travel, and own a home worth over Rs 5 crore. You have medical coverage from CGHS and a private health insurance worth Rs 30 lakh. Additionally, you possess jewellery worth Rs 30 lakh and have Rs 30 lakh in your savings bank account. Your goal is to ensure an additional monthly income of at least Rs 30,000.

Evaluating Your Investment Needs
Your primary need is to generate a regular income of Rs 30,000 per month. This should be achieved with minimal risk and high liquidity.

Liquid Funds
Liquid funds are suitable for very short-term investments. They invest in high-quality, short-term securities. These funds offer safety and liquidity, making them ideal for maintaining emergency funds.

Safety: Invests in high-quality securities.
Liquidity: Easy access to funds.
Ultra-Short Duration Funds
Ultra-short duration funds are suitable for a horizon of 6 months to 1 year. They offer slightly higher returns compared to liquid funds while maintaining a low level of risk.

Higher Returns: Better than liquid funds.
Low Risk: Invests in low-risk instruments.
Short Duration Funds
Short duration funds are suitable for an investment horizon of 1 to 3 years. These funds invest in debt instruments with short maturities and offer a balance between risk and return.

Moderate Risk: Suitable for short-term goals.
Reasonable Returns: Better than ultra-short funds.
Monthly Income Plans (MIPs)
Monthly Income Plans can provide a regular income. These funds invest in a mix of debt and equity, offering a steady income with potential capital appreciation.

Regular Income: Suitable for monthly income needs.
Balanced Risk: Mix of debt and equity.
Benefits of Actively Managed Funds
Actively managed funds can provide better returns compared to index funds. These funds are managed by professional fund managers who make strategic decisions to outperform the market.

Professional Management: Expert fund managers handle your investments.
Flexibility: Adapt to market changes.
Disadvantages of Index Funds
Index funds track a specific market index, but they may not perform well in all market conditions. They lack active management and can result in average returns.

Average Returns: May not outperform the market.
Lack of Flexibility: Cannot adapt to changes quickly.
Investing Through a Certified Financial Planner
Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential offers several benefits. These professionals provide tailored investment strategies and regular portfolio reviews.

Personalized Advice: Tailored to your needs.
Regular Reviews: Ensures your investments stay on track.
Creating a Diversified Portfolio
A diversified portfolio can help reduce risk and enhance returns. Spread your investments across different funds to achieve better stability and growth.

Suggested Allocation
Liquid Funds: Rs 5 lakh for emergency needs.
Ultra-Short Duration Funds: Rs 5 lakh for short-term goals.
Short Duration Funds: Rs 10 lakh for moderate-term goals.
Monthly Income Plans: Rs 10 lakh for regular monthly income.
Tax Efficiency
Ensure that your investments are tax-efficient. Short-term mutual funds are taxed based on your income slab, while long-term capital gains (if held over 3 years) are taxed at 20% with indexation benefits.

Monitoring Your Investments
Regularly review your portfolio to ensure it aligns with your goals. Make adjustments as needed with the help of your CFP.

Final Insights
Your goal of generating an additional monthly income of Rs 30,000 is achievable through a diversified and balanced investment approach. Focus on liquidity, safety, and moderate returns. Leverage the expertise of a Certified Financial Planner for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Hi, I have 13 funds in my portfolio worth of 28 Lakhs. I have been investigating from last 6 years. Wonder if I need to change my funds for better returns. Thank you.
Ans: Portfolio Overview
Managing 13 funds over 6 years is commendable. A Rs. 28 lakh portfolio shows your commitment. Let’s analyze and evaluate for better returns.

Diversification and Overlap
Diversification reduces risk. However, too many funds can lead to overlap.


Ensures your investments are spread across sectors and asset classes.

Reduces risk associated with a single fund or sector.


Too many funds can lead to similar investments.

This dilutes the benefit of diversification.

Evaluate if your funds are truly diversified or if there is overlap.

Performance Evaluation
Assess the performance of your funds.

Historical Performance:

Check the performance over different market cycles.

Compare with benchmark indices.


Look for funds with consistent performance.

Avoid funds with high volatility.

Fund Manager and Expense Ratio
The fund manager's expertise and the expense ratio impact returns.

Fund Manager:

Evaluate the fund manager’s track record.

Consistency and experience matter.

Expense Ratio:

Lower expense ratios can improve net returns.

High expense ratios can eat into your gains.

Portfolio Rebalancing
Regular rebalancing aligns your portfolio with your goals.


Adjust your portfolio periodically.

Maintain the desired asset allocation.

Goals and Time Horizon:

Align your investments with your financial goals.

Consider your time horizon and risk tolerance.

Actively Managed vs. Passive Funds
Actively managed funds aim to outperform benchmarks.

Actively Managed Funds:

Fund managers actively select stocks.

Potential for higher returns.

Disadvantages of Index Funds:

Follow a passive investment strategy.

Limited potential for outperforming the market.

Actively managed funds offer better opportunities.

Professional Guidance
Consult a Certified Financial Planner for tailored advice.

Certified Financial Planner:

Provides personalized investment strategies.

Aligns investments with your goals and risk profile.

Review and Adjust:

Regular reviews are essential.

Adjust the portfolio as per market conditions and personal goals.

Final Insights
Having 13 funds may be excessive. Focus on diversification without overlap. Evaluate the performance, expense ratios, and fund manager’s track record. Regularly rebalance your portfolio. Consider the benefits of actively managed funds over index funds. Seek guidance from a Certified Financial Planner for personalized advice. This comprehensive approach ensures your portfolio aligns with your financial goals and market conditions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5019 Answers  |Ask -

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

Asked by Anonymous - Jul 01, 2024Hindi
I want to invest 20000 monthly, for retirement, child education, house, emergency fund and travel abroad every 3yrs. How to allocate my money wisely to get proper return? I have two children, one 5yr old and one 11 years old. I am 37 yr old.
Ans: Investment Allocation for Future Goals

Understanding Your Goals

You want to invest Rs 20,000 monthly for several goals: retirement, children's education, a house, emergency fund, and travel abroad every three years. This approach is commendable. Let's break down how to allocate this investment wisely to achieve these goals.

Children's Education

Your children's education is a high-priority goal. For your 5-year-old, you have 13 years until college. For your 11-year-old, you have 7 years until college. A mix of balanced and growth-oriented funds can work here. These funds can offer steady returns with manageable risk.

Retirement Planning

You are 37 years old, aiming for a substantial corpus by retirement. Investing in equity mutual funds can offer significant growth over the long term. Diversify across large-cap, mid-cap, and flexi-cap funds. These funds can provide higher returns compared to fixed income options.

Buying a House

Buying a house is a major financial goal. If the goal is long-term (10-15 years), equity funds can help. For short-term (5-7 years), balanced funds can be better. They provide a mix of growth and stability. Avoid direct real estate investments due to high costs and low liquidity.

Emergency Fund

An emergency fund is crucial. Aim to have 6-12 months of expenses in liquid assets. Invest in liquid funds or short-term debt funds. These funds offer quick access to your money with moderate returns.

Travel Abroad

Traveling abroad every three years requires regular saving. You can use recurring deposits or short-term debt funds. These options provide stability and predictable returns. You can reinvest the returns for future trips.

Disadvantages of Index Funds

Index funds track market indices and lack flexibility. They don't outperform the market. Actively managed funds, however, aim to outperform. Skilled fund managers can adjust the portfolio to market conditions. This approach can lead to higher returns.

Regular Funds Over Direct Funds

Direct funds have lower expense ratios but need active management. Regular funds offer professional advice from a Certified Financial Planner. A CFP can help you make informed decisions and adjust investments as needed. This guidance can be invaluable for achieving your goals.

Detailed Allocation Plan

Children's Education: Invest Rs 7,000 monthly in balanced and growth-oriented mutual funds. Split the investment between the two funds. This strategy balances risk and growth.

Retirement Planning: Allocate Rs 6,000 monthly to equity mutual funds. Diversify across large-cap, mid-cap, and flexi-cap funds. This allocation leverages long-term growth potential.

House Purchase: Invest Rs 4,000 monthly in a combination of balanced and equity funds. Adjust the mix based on your time horizon.

Emergency Fund: Save Rs 2,000 monthly in liquid or short-term debt funds. Ensure easy access to funds when needed.

Travel Abroad: Set aside Rs 1,000 monthly in recurring deposits or short-term debt funds. This ensures stable returns and funds availability for trips.

Regular Review and Adjustments

Regularly review your investments. Adjust allocations based on market conditions and changes in goals. A Certified Financial Planner can provide ongoing advice and adjustments. This ensures your investments remain aligned with your goals.

Final Insights

Your diversified approach is smart. It balances growth and stability. Regular reviews and adjustments will keep your investments on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...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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