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Anu

Anu Krishna  |1771 Answers  |Ask -

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

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
SAIBAL Question by SAIBAL on Dec 04, 2023Hindi
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Relationship

Off late i mate ex flame of mind. Due to some reason or other, we did not get married. Both of us have abusive partners. We are suffering a lot in our respective marriages. Shall we continue our friendship? We find lot of peace in talking with each other.

Ans: Dear Saibal,
Obviously after meeting after ages, the spark will be rekindled and your existing lives with your spouses are not going to look any great.
Ask yourself:
What will I risk by indulging into a connection outside of marriage?
How much of a connection do I want to have with my ex-flame?
Will I be able to keep to only a friendship?
Will my ex-flame also be able to draw the line where and when necessary?
Are we both going to be able to be mature about this and strictly maintain a connection that is healthy?

Also, it's okay to find peace by talking to one another; but don't get dependent on it. Find a way to seek that within relationships that are for keeps...otherwise, the focus will shift to maintaining the relationship outside of marriage and there will be less attention on the marriage. Then sooner than later, you will both find your marriage even more dull and boring.
I do not understand what you mean by 'abusive' partners as you have not provided enough data for me on this to use in my response to you...
Also, I am unaware if there are children involved in this equation on both sides...If YES, tread carefully as you do not want to be rocking the boat on that one...Children getting impacted at whatever age can be very tedious on them!

Bottom line: if both of you are mature about this friendship and not use each other as emotional crutches, then you know you are in the right place. Growing in any relationship and providing the space for the other to grow is a pillar that you should work on. Now you know, what you are looking at, right?

All the best!

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Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

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Relationship
Hi Anu, I am a married 27 yr old girl pursuing my medical PG degree in a college and my husband is also fellow doctor residing in another city. I stay in a hostel and I was in a relationship with a guy during my UG days. Actually he used to be my best friend. We are a gang of 4 and no one knows about my relationship except us both. We moved on due to caste issues and foreseeing the problems after marriage in our families. We are in touch with each other. He got PG degree in my college and seeing him is haunting my memories though we talk casually and not on regular basis. My husband knows about us and asked me to avoid him. But I can't give up on my friendship. Can a friendship aged in love not be reverted to friendship?
Ans:

Dear DR,

Feelings aren’t something that can be set aside that easily.

To lead a different relationship than the one that you were in with the same person requires a lot of emotional maturity from both of you to make this real and honest.

If you look at it from the point of view of your husband, he might either be insecure about this, or he can foresee a situation up ahead which might not be very pleasant.

You have mentioned that seeing him is bringing back memories.

Are you really ready to maintain a friendship without the feelings coming in the way? Are you ready to manage what this might do to your husband?

If you are ready and be objective about all of this, then first sit your husband down and talk to him and his fears.

Reassure him but like any relationship, all this requires a lot of work and then it’s also time to ask yourself, is this all worth it and do I really need to do this?

Also, is the other person from your past, also willing to understand that this requires him to put your marriage above his needs?

So, check with yourself what and how much you can handle and whether you are ready for this new challenge?

Best wishes!

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 11, 2022

Listen
Relationship
Hi Anu, I am a married 27 yr old girl pursuing my medical PG degree in a college and my husband is also fellow doctor residing in another city. I stay in a hostel and I was in a relationship with a guy during my UG days. Actually he used to be my best friend. We are a gang of 4 and no one knows about my relationship except us both. We moved on due to caste issues and foreseeing the problems after marriage in our families. We are in touch with each other. He got PG degree in my college and seeing him is haunting my memories though we talk casually and not on regular basis. My husband knows about us and asked me to avoid him. But I can't give up on my friendship. Can a friendship aged in love not be reverted to friendship?
Ans:

Dear DR,

Feelings aren’t something that can be set aside that easily.

To lead a different relationship than the one that you were in with the same person requires a lot of emotional maturity from both of you to make this real and honest.

If you look at it from the point of view of your husband, he might either be insecure about this, or he can foresee a situation up ahead which might not be very pleasant.

You have mentioned that seeing him is bringing back memories.

Are you really ready to maintain a friendship without the feelings coming in the way? Are you ready to manage what this might do to your husband?

If you are ready and be objective about all of this, then first sit your husband down and talk to him and his fears.

Reassure him but like any relationship, all this requires a lot of work and then it’s also time to ask yourself, is this all worth it and do I really need to do this?

Also, is the other person from your past, also willing to understand that this requires him to put your marriage above his needs?

So, check with yourself what and how much you can handle and whether you are ready for this new challenge?

Best wishes!

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2022

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Relationship
Dear Madam I had a relationship with my childhood friend until last year. We both got married to different people. Due to some misunderstanding, he is not talking to me right now. I tried to contact him through social media but there has been no response from his side. My intention is to continue with our friendship. His thoughts are torturing me badly and I am suffering with depression these days. I am trying to get out of this. But I'm unable to do so. Help me out, what should I do now?
Ans:

Dear LM,

There is a reason for him ‘ghosting’ you.

Was your ‘relationship’ one sided?

Was he clear that he was not in any sort of commitment with you?

Did you at any point think that this might be a long haul one?

Sometimes, people believe relationships are meant to last forever.

Nice fairy tales they fool themselves with and then build expectations up and then drive into a well of foolish decisions only to realise that they have led themselves to self-pity to play a victim.

This is what you are doing to yourself.

Rise above and know that he isn’t interested anymore. Who are you crying over? Who are you waiting for? And is he worth spoiling your state of mind?

Start by de-focusing…

  • Put away all stuff that holds his memories
  • Be with your friends who can support you
  • Eat and sleep well and on time
  • Pick up a new hobby or learn a new language to divert the attention

And you don’t have depression unless clinically diagnosed.

You are just feeling low and sad, and it will slowly fade away. Have faith but take the first step to make yourself feel better.

All the best!

..Read more

Anu

Anu Krishna  |1771 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2022

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Relationship
Dear Madam I had a relationship with my childhood friend till last year. We both got married to different people. Due to some misunderstanding he is not talking to me right now. I tried lot from my end to contact him through social media but no response from his side. My intention is why can’t we be friends at least now. His thoughts are torturing me badly and I am suffering with depression now a days. I am trying to get out of this, but I'm unable to do so. Help me out, what should I do now.Pls reply through email only. It should be confidential.
Ans:

Dear LM,

Things have moved for him, and he has clearly decided to move on.

Why choose to pine so much? If it is some misunderstanding, give him time to sort it in his mind and get back to you.

Trying and not getting the expected result will cause you more pain and anguish over the fact that he is not responding because of this and that.

Your mind will search for all reasons to justify your pain and the action that you have taken to reach out to him.

Give this a break. Respect his decision as hard as it maybe for you, but if he somewhere in the future decides to be a friend, let him approach you.

The more you are chasing him, the more it is hitting your self-esteem with the rejection and soon it will start to make you feel bitter. So, Pause and take that break.

And to defocus on this, make sure you spend more time with your existing set of friends, go deeper into work (if you are a working professional), spend more time with your family, develop new hobbies and more…

What all this does is, give the mind an alternate path to focus on…slowly, the pain starts to ease as your focus on him eases…and this is possible only if you willfully choose to ease the pain for yourself.

Your life, your choice…so, be kind on yourself and choose what’s best for your mind and you.

Best wishes!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11062 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2026

Money
I am 61, minimalist with no bad habits in the life style of NO PILL; NO ILL. Now, the market is down and NAV falls down. my investments are comfortably positive even in the negative market. becuase the investment started very early and unis purchased at very low price. Now, the question is should I withdraw the funds; a portion of profit and invest in the downward trend so that I will get more units and i will not loose the capital because I am planning to withdraw only the portion of the profits. Please guide me should I need to reshuffle by withdrawing and re investing ..!!
Ans: Your disciplined lifestyle and long investing journey are truly inspiring. Starting early and holding investments patiently has created a comfortable cushion for you. Even when the market is falling, your portfolio remains positive. That itself shows the power of long-term investing.

Now your question is about withdrawing profit and reinvesting during the market fall. Let us examine this carefully.

» Understanding What You Are Trying To Do

Your idea is:

– Withdraw only the profit portion
– Reinvest when NAV is lower
– Get more units
– Protect original capital

This approach looks logical on the surface. But in practice it becomes very difficult to execute consistently.

» The Challenge of Timing the Market

To succeed in this strategy two things must happen correctly.

– You must sell at the right time
– You must reinvest at the correct lower level

Predicting market movement precisely is extremely difficult. Even experienced investors struggle with this.

If markets suddenly recover after you redeem, you may lose the opportunity of further growth.

» Impact of Taxes on Withdrawal

Whenever you redeem equity mutual funds:

– Long term capital gains above Rs 1.25 lakh are taxed at 12.5%
– Short term capital gains are taxed at 20%

So withdrawing profit may trigger tax liability. This reduces the benefit of trying to buy more units.

Frequent reshuffling can quietly reduce long-term wealth.

» Your Age and Investment Objective

At 61, your goal should shift slightly.

Earlier the focus was:

– Maximum growth

Now the focus should be:

– Capital protection
– Controlled growth
– Income stability

So instead of frequent buying and selling, gradual portfolio balance is more suitable.

» A Better Approach for Your Situation

Rather than timing the market, consider this approach:

– Keep the core long-term equity investments untouched
– If equity allocation has grown very large, slowly shift small portion into safer assets
– Continue enjoying compounding from existing units purchased at low prices

This maintains growth while protecting accumulated wealth.

» Systematic Withdrawal Planning

If you need regular income later:

– You can withdraw small amounts periodically
– This reduces market timing risk
– Portfolio continues to grow while providing income

This is usually more comfortable for retired investors.

» Emotional Discipline

Your biggest strength so far has been patience.

The temptation to reshuffle during market movements often disturbs long-term success.

Many investors lose wealth not because of bad investments but because of unnecessary switching.

» Finally

Since your investments were made early and units were bought at very low prices, the best strategy is usually to stay invested and allow compounding to continue.

Avoid frequent profit booking and reinvestment based on market movements.

Instead:

– Maintain a balanced asset allocation
– Protect capital gradually
– Allow long-term equity investments to keep growing

Your disciplined journey has already created strong financial security. Preserving that strength is now more important than trying to capture short-term opportunities.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11062 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 14, 2026

Money
I am a retired doctor with 1lac pension kindly suggest to invest 30000per month
Ans: Your disciplined habit of investing even after retirement is very encouraging. With a pension of Rs 1 lakh per month, planning to invest Rs 30,000 shows that you are thinking about preserving and growing your wealth in a structured manner.

At this stage of life, the focus should be balanced between safety, regular growth, and liquidity.

» Understanding Your Financial Stage

You are a retired professional receiving steady pension income.

This means:

– Your regular expenses are already supported
– Investment goal is wealth preservation and moderate growth
– Liquidity for health and family needs is important

So the investment approach should be balanced and not aggressive.

» Emergency and Medical Reserve

Before starting monthly investment, ensure:

– At least 12 months of expenses kept in safe liquid instruments
– Adequate health insurance coverage

Medical expenses increase with age. Having a dedicated medical reserve prevents disturbance to investments.

» Balanced Investment Approach

For a retired person, full equity exposure is not suitable. But avoiding equity completely also reduces growth.

A balanced structure is ideal.

For the Rs 30,000 monthly investment:

– Around Rs 15,000 in actively managed diversified equity mutual funds
– Around Rs 10,000 in short duration or conservative debt mutual funds
– Around Rs 5,000 in gold allocation for diversification

This structure provides growth with stability.

» Importance of Actively Managed Funds

Actively managed mutual funds are suitable because:

– Fund managers actively select strong companies
– They adjust portfolio when market conditions change
– Aim to generate better returns than the market

This professional management helps investors who prefer not to monitor markets regularly.

» Investment Horizon and Liquidity

Even after retirement, investments can continue for 10 to 15 years.

So:

– Continue SIP regularly
– Review portfolio once every year
– Keep sufficient liquidity for emergencies

Avoid locking large amounts into instruments with long lock-in periods.

» Tax Awareness

If you redeem equity mutual funds:

– Long term capital gains above Rs 1.25 lakh taxed at 12.5%
– Short term gains taxed at 20%

Debt mutual fund gains are taxed as per your income tax slab.

Planning withdrawals carefully can reduce tax impact.

» Finally

Your plan to invest Rs 30,000 monthly is a strong step toward maintaining financial independence.

A balanced portfolio with equity, debt, and gold can help:

– Preserve your wealth
– Provide moderate growth
– Maintain liquidity for future needs

Regular review with a Certified Financial Planner can ensure that your investments remain aligned with your lifestyle and health needs during retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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