Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |1809 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 07, 2025

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 - Jul 28, 2025Hindi
Relationship

Ok, this is a long story so bear with me. Background: I'm a 48-year old woman (divorced 10 years back, childless, college lecturer) in a relationship with a 28-year old guy who happens to be my father's home care nurse. I was my father's sole caregiver for many years (no mother, no siblings), finally got the 24-hour nurse 1.5 years back. He took good care of my father (97, with dementia), the 3 of us lived together, I was lonely, one thing led to another, he said he loved me and we're together from 1 year. My father passed away 3 months back. Then the question was, how can we continue to live together? Neither of us want to marry at this point (maybe later). If he took another home care duty he would have to leave. So we decided he'll open a tea shop close to where I live, and stay with me at night. He did so 1 month back, and all seemed ok, except that he seems TOO invested in his shop now, leaves at 6 am, comes home tired at 8 pm, no weekends and doesn't seem to want to spend any time with me. He says it's because it's a new shop. As long as I was also at work during the day this didn't bother me much, but from the last 1 week I've suddenly been diagnosed with chronic appendicitis. Might need surgery next week. So I'm unwell and at home, unhappy, grieving my father, missing my boyfriend, but he's STILL away all day and won't take a break. If I ask him to spend a few hours with me he gets upset and says he can't, it's a new shop and he's building customers. I get frustrated and we fight about this when he gets home, which makes things worse; he starts threatening that he might as well close his shop if I don't let him run it properly. What should I do? Please don't ask me to end the relationship; I can't even think of living alone at this time, when I'm already upset about my father. I have no other friends or family. Also I don't think it's a bad enough relationship to end immediately - he's a good and caring person in many ways, and I'm quite sure he's not having an affair or anything. Other than quarreling with him about giving me more time (whenever I bring it up it becomes a quarrel), what options do I have?

Ans: Dear Anonymous,
Let's put things into perspective here:
You are 48 and he's 28...
You are perhaps trying to look for love again and he's just exploring where his feelings take him
You have tasted professional life and he's just beginning to get a whiff of it
You are looking to settle down again and he's looking to work hard to create an identity for himself

Can you spot the differences? It's not my place to tell you what to do with the relationship because you know that yourself. So, ask yourself where this is going to lead and if this is going to keep you happy. You can't clip someone's wings when they want to fly and then feel secure about your relationship just because you got that time for yourself; makes sense here?

Reevaluate the reason you got drawn to him; could it be that you were just lonely and wanted someone to care for you, give you attention? That's definitely not going to be a 28-year old who is flying high at his age!

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

You may like to see similar questions and answers below

Anu

Anu Krishna  |1809 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2022

Relationship
Hi Anu, Nice to contact you. I came across many of your conversations online and I would like to share my life situation. If you could help in any way it would be a great support. I am married since 4 and half years now but we have stayed together only for 1 and half years. Rest of it was purely long-distance relationship. It was an arranged marriage and I entered it with great hope and dreams. I still believe I have had only bare minimum expectations from my partner as that of any young woman. After the marriage got fixed I had to leave my job and stay at my hometown. He works in a distant state. We were all hoping that after marriage, I’d go and live with him so will search for a job later. Even during prewedding discussions the talk was that he will shift to a new home before marriage and after marriage he will take me along with him. But two weeks after our wedding he left to work leaving me at his home with his parents in our hometown. He didn’t explain or give any reasons. It broke me. Those 2 weeks were wonderful and the best time of our marriage life. He came after 2 months, rented a new house and took me with him. It was good although small and silly arguments would happen. He loved me and I stayed there for a month. We returned to hometown after a month. He left me there and returned to work in 1 week’s time. I stayed with his parents (in between his mother met with an accident and I stayed with her for like 2 months). He took me back to his place for 3 months. When financial circumstances got bad, he changed. He stopped expressing love in any form other than getting me variety of food items. There was no romance, small talks or travelling outside. He sent me back to my parents’ place for 7 months. It made me really mad and we started to fight over the phone making us more distant. He was facing financial crisis, I wanted to be supportive but he never shared his feelings or plans with me. I never felt involved. Without a job I went into depression. To sort things, I stayed with him for 9 months looking for a job. He never showed any interest. I stayed at home for all those months feeling depressive and insecure. There was no romance, emotional or physical.He is perfect in his words and promises but never in his actions. I believed and waited for 3 years. Then my in laws suggested a job but it was at my native place. As it suited my educational qualifications I showed interest and he said okay. I applied and got the job. Since then I have not visited him at his work place. It’s been 2 years now and I stay with his parents. Due to covid he didn’t come for home for a 1 and half. A few months ago he came and stayed for a week. When people see us it’s 4 and 1/2 years of marriage but for us it’s not. Since we don’t have kids people are suspecting a lot. I don’t blame them.Clearly not everything is alright.My husband is a lovely person and he cares so much but I feel he is controlling me. May be because of his lack of emotional availability. But many things have bothered me a lot since our wedding.My husband and I have never visited or travelled a place alone, ever. We never had a honeymoon.My husband has never introduced me to any of his friends.I know nothing of him through a third person, all I know is what he has told me.These days he hardly calls me. I tend to get more frustrated and cry sometimes by sharing my feelings with him if he called very late at night. So he stopped calling me. When I asked he replied “when I call at night you are complaining, fighting and crying so I don’t call” He is running away from situations. I replied to him “you know that I will cry and there is a reason for that. Instead to solving the situation and not to make me cry, you would rather prefer not to call”. He said “Yes”. So he refrains from anything that upsets him. Long time ago due to some misunderstandings I refused to be physically romantic with him and he did the same to me for months and years which is also why we don’t have kids. But I cant explain or share this with anyone. I doubt about my future as I am scared that I will never be blessed with a life with shared love and romance.I miss myself being in love and happy.I miss my own very smile.I don’t put all the blame on him because I know am not perfect. But am not that evil to be punished like this in my life. I do deserve some happiness. He hasn’t abused me but absence of abuse doesn’t mean a healthy relationship. I have always felt lonely. Rather than love I have felt more judged for my actions and thoughts.There is not a single day in life where I do not think about leaving this relationship but it has become very difficult to picture a happy healthy future with him.It has become hard to have a simple conversation with him now.I hope for a healthy relationship in which my partner and I could be vulnerable to one and other.Am I expecting too much from him? Is it that am not good enough for him?Will this too pass? I am worried.I would like to stay anonymous.
Ans:

Dear Anonymous,

These are your words that stood out for me.

‘I miss myself being in love and happy.

'I miss my own very smile.'

So, who is stopping you from these? Be in love, be happy, smile when you want.

You have tied these things to your marriage and have hoped that putting things together will bring a smile back on your face. As much as it’s true, it won’t be long lasting.

Now let’s focus on your marriage. What is this ‘being sent here, sent back there’?

What are you, some parcel/courier package to be sent here and there at will?

The first time that you felt that this being sent here and there was NOT OKAY, that would have been the time to voice it out.

Situations of a husband and wife being physically apart can come in anytime during a marriage. But this has to be handled with a lot of love and communication and not keeping silent and controlling it his way.

What has caused your hurt is the fact of non-communication from him, inability to validate your feelings, making you feel guilty for expressing your feelings and his unwillingness to work on this?

Request a person known to both of you to mediate to set up a meeting if both of you want to be in this marriage and live in peace and harmony. If you don’t step up now, things will be emotionally draining.

Also, as a woman, you don’t have to feel guilty for saying that something is not alright and that you want things to be different. You do not have to mask it with a statement that ‘he is a good man’ etc.

Be honest to yourself about what you feel and what you want. It helps putting things into perspective faster. STEP UP NOW and SPEAK.

Do that favour onto yourself please and also expect things to go the other way especially if he does not want to mutually set things right.

No matter what, know that strength from within is what will help you sort things for the better.

Be strong and value yourself. All the best!

..Read more

Anu

Anu Krishna  |1809 Answers  |Ask -

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

Listen
Relationship
 Dear Ma'am, I have been in a relationship since the last 4 years with a person 8 years older to me. We're of different caste plus I'm still in my career building phase and I can't even think of taking it to the next level. Also, since last few months the relationship has been a pain in my neck, it has been damaging my inner peace and equilibrium. He leaves and then comes back, each time I'm firm that I won't resume it but I do love him more than anything else so we get back together. In this entire process, I feel too exhausted now and the damage feels beyond repair. He's 31 already and his parents are forcing him for marriage now. Considering the impracticable situations, I know he has already given up on us but continues to be around for the emotional comfort he gets from me. He doesn't understand that it's damaging me, I can't run around in circles. He thinks let's continue it till we can, but what after that? He'll suddenly tell me he's getting married and what then? What would I do with all the anger and dissent within? Everyone around me keeps telling me to leave him because of all these reasons. Also, I'm in my early 20s and I have an entire life in front of me, I want to build my career. Also, I don't feel the need to see someone else just as a relapse or desperate situation, I'm a very conserved person that way. But I do need to break this toxic cycle and regain the control over my life. I want to grow and prosper, but this entire myriad of emotions drags me down..Please tell me what to do? Thanking you in anticipation.
Ans:

Dear SB,

What are you? His emotional sponge?

One thing I want to appeal to you is: Self-respect is something that we are so ready to give up for just a little love and attention. And the way you treat yourself is how others will treat you.

You are in your early 20s and you have an entire life in front of you and you want to build your career.

With the current space that you are in, do you feel you are choosing wisely to fulfil what you want from life and for yourself?

Also, are there other ways in which you can bring this relationship together. Like sitting him down and talking; maybe an elder in the family can do this.

If nothing works, remember, your life, your choice, your terms…nothing and no one can mess with your peace of mind unless you give them the permission to do so.

You want to prosper, then think and act in a manner that will allow you to prosperity and think of losing all that is keeping from feeling this prosperity.

Step up, take charge of your life NOW. All the best.

Disclaimer: All content and media herein is written and published online for informational purposes only. It is not a substitute for professional medical advice. It should not be relied on as your only source for advice.

Please always seek the guidance of your doctor or a qualified health professional with any questions you may have regarding your health or a medical condition. Do not ever disregard the advice of a medical professional, or delay in seeking it because of something you have read herein.

If you believe you may have a medical or mental health emergency, please call your doctor, go to the nearest hospital, or call emergency services or emergency helplines immediately. If you choose to rely on any information provided herein, you do so solely at your own risk.

Opinions expressed herein cannot necessarily provide advice to fit the exact specifics of the issues of the person requesting advice.

..Read more

Love Guru

Love Guru   |217 Answers  |Ask -

Relationships Expert - Answered on Dec 30, 2021

Listen
Relationship
Hi. I am in a relationship since five years. My BF was very gentle and caring initially but after his financial downfall he became cold and restless. And I had to change cities due to work. I love him and he tells me he loves me too, which I feel he does. But he is very ambitious and struggling in his life and is busy planning most days. Which I understand, but it irritates me that we have zero conversations that he starts or takes interest in. We do discuss decisions and official things a lot, but I am talking about meaningful conversations and couple time. It’s been several years now and I have to wait for ages to discuss any simple, emotional thing with him. He is constantly on an unending chase. He lives in another city. I understand and wanna support him but it upsets me anyway because it’s been such long time of chasing simple conversations. I feel like I can’t hold on to the relation anymore because I tried to discuss this hundreds of time with him but he could never make time to even let me complete. In fact, he promises me time and conveniently forgets while I wait eagerly. He is always sleepy or tired by the time I begin anything and then it’s impossible for me to begin, which I feel is disgusting. We have started having ugly fights and I can’t resist being angry at things now. Now he has started acting rude and inconsiderate towards me. Though he is not mean to me, he always calls me impatient and kiddish to not understand his situation. He often tells me that he is not spending his time partying. He is making plans for both of us. He just has one answer that I should trust him and give him some time he will set everything. But I feel overly sensitive and depressed and in continuous chase which is very derogatory and bothers my self-worth. I always am ready for him in every way but here I am feeling choked and he is just not getting it. What should I do? How do I tell him that it is high time? Or am I overreacting? Please help. A person in need
Ans:

The problem you’re facing is very common in long-distance relationships.

You have a need for attention that you’re not getting from him and he’s so busy planning a future that he’s forgotten how to take care of the present.

I can tell you that until he is secure in a job and has stabilised his situation, his behaviour is not going to change significantly. And maybe not after either...Maybe this is who he is, and after the initial spark wore off, this is him.

That said, the distance is definitely playing a role in fuelling tensions between the two of you.

Explain to him that you need some quality time with him and that couples who live apart do set aside a little time for each other despite all the pressures of everyday life.

It’s not childish to expect attention and love from your partner, even from a thousand miles away.

At your end, you can try to be less demanding.

Maybe he isn’t at liberty to chitchat every single day or every couple of days also.

As long as you get what you want out of even a weekly or twice-weekly conversation with him, cut him a little slack. That is, provided this guy means enough to you.

If he doesn’t and you’re second-guessing the relationship, the person he is and your love for him, maybe the headache just isn’t worth it.

You’ve already invested five years, and if it’s not looking bright, you should cut your losses and move on.

..Read more

Anu

Anu Krishna  |1809 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

Listen
Relationship
Hey Anu ji I hope you are doing well.I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then. We knew each other since a year and moved in together last October. I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission. My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough. He compares everything and has started talking to another specialist, a single woman. I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea. He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.Is it right that we are having sex 2-3 times per day from so many months? Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met. In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages. I have to call a third person to convey my message to at least pick up a call.Please help. I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months. I never get answers to my questions. He is like ‘I don't want to talk.’ He has become so egoistic and is behaving like a male chauvinist. I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety. I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side. He stopped making any efforts to reconcile or talk. I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me
Ans:

Dear NK,

When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

My best wishes to you!

..Read more

Latest Questions
Nayagam P

Nayagam P P  |12508 Answers  |Ask -

Career Counsellor - Answered on Aug 12, 2026

Asked by Anonymous - Aug 12, 2026
Career
my daughter has secured admission in CSE-AI at IGDTUW .Going by the reputation of the institute she withdrew from BITSAT,JOSAA, LNMIIT and MHT-CET counselings. But now after attending the college for few days, she has been completely put off by the real bad infra and attitude of teachers there.Only viable option left now for her is COMEDK, where she can get CSE in MSRIT.We are delhi based and budget is not a issue. Please suggest further course of action.
Ans: Your daughter may consider switching to MSRIT CSE through COMEDK if her initial experience at IGDTUW has led her to reassess her choice. MSRIT offers good industry exposure and the advantage of Bengaluru’s strong technology ecosystem. However, it would be advisable to visit MSRIT and interact with current students before making the final decision.

Please also verify the current COMEDK counselling and reporting status, as deadlines and eligibility can vary by round. Before proceeding, confirm that her specific counselling status permits admission/reporting at MSRIT.

At the same time, it is important to remember that no institution is perfect; every college has its own strengths and areas for improvement. The decision should therefore consider academics, campus environment, faculty interaction, placements, peer group, location and overall student experience.

Finally, ensure that your daughter is comfortable and mentally prepared to relocate from Delhi to Bengaluru, and that you as parents are also equally comfortable with the transition. If MSRIT appears to offer a better overall fit after this evaluation, switching can be a reasonable option. If possible, it may be worthwhile to keep RVCE CSE as a preference until the final counselling round, provided your daughter has already included RVCE CSE among her choices. If the option remains available in the subsequent rounds, she can consider it based on the seat availability and her merit position. All The Best for Your Daughter's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

...Read more

Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 11, 2026

Asked by Anonymous - Jul 28, 2026
Money
I am a 49 year old working as an E-Surveillance engineer at a Service provider in Chennai. I am on notice period. I am planning to start my own consulting services as free lancing in the same field. I have also got one contract worth 13 lakhs on which I will start working on from August onwards. These are just my annual consulting charges which will be paid by the customer on monthly basis after deducting 10% TDS. I need to understand how will my Tax liability be calculated for this FY. I am expecting one more contract worth 3-4 lakhs. Do I need to register for GST number? I have always done a job for 27 years. This is the first time I am doing something on my own. Hence these queries.
Ans: You have taken a good step by moving towards consulting. Having a Rs.13 Lakhs contract already is a strong starting point. Since this is your first year as a freelancer, keeping tax and compliance organised is important.

» Your Income For This FY

Your consulting receipts will generally be treated as professional income.

Your expected receipts are:

– First contract: Rs.13 Lakhs
– Possible second contract: Rs.3–4 Lakhs
– Total expected professional receipts: around Rs.16–17 Lakhs

The 10% TDS deducted by your customer is not an additional tax.

It is advance tax already collected on your behalf.

The TDS will be available as credit while filing your ITR.

» How Your Taxable Income Works

You will not normally pay income tax on the entire billing amount.

Eligible business or professional expenses can be considered while calculating taxable professional income.

For example:

– Laptop and computer expenses.
– Internet and communication costs.
– Software and subscriptions.
– Professional services.
– Office-related expenses.
– Travel related to consulting work.
– Other genuine business expenses.

Keep proper bills and payment records.

Personal expenses should not be claimed as professional expenses.

» Presumptive Tax Option

You may also check whether the presumptive taxation provisions applicable to specified professionals can be used.

This can simplify compliance for eligible professionals.

However, eligibility depends on the exact nature of your consulting activity and your receipts.

Your CA should confirm this before you choose the method.

» TDS Deduction

Your customer deducting 10% TDS does not mean your final tax rate is 10%.

It only represents tax deducted from your payment.

Your final tax liability will depend on your total taxable income for the year.

You will receive TDS credit while filing your income-tax return.

If the TDS is higher than your final liability, the excess can generally be claimed as refund.

» GST Registration

This needs careful attention.

GST registration is generally linked to aggregate turnover and the nature of services.

For service providers, the normal threshold is generally Rs.20 Lakhs in many states.

However, GST rules have several exceptions.

The place of supply and nature of your customer can also matter.

If your expected consulting turnover is around Rs.16–17 Lakhs, you may be below the normal threshold.

But do not decide only based on turnover.

Your exact consulting arrangement should be checked.

» Important GST Point

If your customer is located outside India, the GST treatment can be different.

Export of services has separate conditions.

Similarly, certain services supplied to customers in other states can require additional review.

Therefore, share the following with your CA:

– Customer location.
– Your location.
– Contract terms.
– Nature of E-Surveillance services.
– Annual contract value.
– Payment terms.
– Whether the customer is Indian or overseas.

» Advance Tax

This is another important point.

TDS may not cover your final tax liability.

If your estimated total tax payable crosses the applicable advance-tax threshold, advance tax may be required.

Do not wait until ITR filing to arrange the full tax amount.

Keep a separate bank balance for tax payments.

This will prevent cash-flow pressure later.

» Business Setup

Since you are starting freelancing after 27 years of employment, keep the setup simple initially.

Maintain:

– Separate bank account for consulting receipts.
– Proper invoices.
– Expense records.
– Customer contracts.
– TDS certificates.
– GST records if registration becomes applicable.
– Advance-tax payment records.

This will make future tax filing much easier.

» Transition From Salary To Consulting

Your first year needs extra care.

You may have salary income for part of the year.

You will then have professional income from consulting.

Both incomes will form part of your overall taxable income.

Also consider your final salary, notice-period payments, leave encashment and other employment-related receipts.

These should be included correctly.

» Retirement And Insurance

At age 49, your retirement planning should continue even after leaving employment.

EPF contributions may reduce or stop after leaving the job.

Therefore, create a separate retirement investment plan from your consulting income.

Also review your health insurance.

Do not depend only on your employer's medical cover after leaving the company.

Maintain adequate personal health insurance.

» Final Insights

Your Rs.13 Lakhs contract gives you a good base for starting consulting.

The possible Rs.3–4 Lakhs additional contract can strengthen your cash flow.

For GST, your expected Rs.16–17 Lakhs turnover appears below the normal service threshold.

Still, GST applicability depends on your customer and service details.

For income tax, the 10% TDS is only a tax credit.

Your final liability depends on your total taxable income and eligible expenses.

Since this is your first year as a consultant, I strongly suggest having a CA set up your invoicing, GST position and advance-tax schedule correctly.

Once the structure is set, managing your consulting income should become quite straightforward.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11390 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 11, 2026

Asked by Anonymous - Jul 27, 2026
Money
I have invested in the following MFs 1) ICICI prudential BHARAT 22 FOF direct growth ₹210000 2) quant multi asset allocation find ₹318000 3) ICICI prudential multi asset fund ₹210000 4) kotak multi cap fund direct growth ₹150000 5) nippon india large cap fund direct growth ₹150000 6) nippon india multi cap fund direct growth ₹130000 7) HDFC balanced advantage fund direct growth ₹130000 8) ICICI prudential large cap fund direct growth ₹ 120000 9) HDFC flexi cap direct plan growth ₹ 90000 10) parag parikh flexi cap fund direct growth ₹92000 11) motilal oswal large and midcap fund direct growth ₹ 80000 12) motilal oswal BSE enhanced value index fund direct growth ₹ 80000 13) nippon india multi asset allocation fund direct growth ₹ 70000 14) HSBC value fund direct growth ₹ 55000 15) HDFC mid cap fund direct growth ₹ 50000 16) HDFC multi cap fund direct growth ₹ 55000 17) motilal oswal midcap fund direct growth ₹ 58000 18) SBI contra plan direct growth ₹ 54000 19) HDFC focused fund direct growth ₹ 43000 20) kotak debt hybrid fund direct growth ₹ 32000 21) ICICI prudential short term fund direct plan growth ₹ 20000 22) nippon india small cap fund direct growth ₹ 16000 23) HDFC short term debt fund direct plan growth ₹15000 . Please tell me which among them I should continue paying for SIP and which of them I should stop payment for SIP. Some of these are one time investment. I am 50 years old. These investments I have made since November 2024 till June 2026.
Ans: You have made a serious effort to diversify. However, 23 funds at age 50 is more than needed. The bigger issue is overlap, not lack of funds.

» Overall Assessment

Your portfolio has many funds doing similar jobs.

You have several:

– Flexi-cap and multi-cap funds.
– Large-cap funds.
– Multi-asset funds.
– Balanced advantage funds.
– Mid-cap funds.
– Debt funds.
– Value and contra strategies.
– A small-cap fund.
– A Bharat 22 themed exposure.
– An index-based value fund.

This makes monitoring difficult.

At age 50, I would prefer a simpler portfolio.

» SIPs I Would Continue

Based on the information provided, I would retain SIPs mainly in these categories:

– One good flexi-cap fund.
– One good multi-cap fund.
– One mid-cap fund.
– One balanced advantage fund.
– One multi-asset allocation fund.
– One small-cap fund, but with limited allocation.
– One short-duration debt fund, if debt exposure is required.

You do not need multiple funds within each category.

» SIPs I Would Stop

I would stop fresh SIPs in overlapping categories.

Specifically, review and stop SIPs in:

– Additional large-cap funds beyond one.
– Additional multi-cap funds beyond one.
– Additional flexi-cap funds beyond one.
– Additional multi-asset funds beyond one.
– Focused fund.
– Contra fund.
– Value-oriented fund if your core portfolio already has sufficient value exposure.
– Bharat 22 themed exposure.
– Index-based value fund.
– Debt hybrid fund if the balanced advantage and multi-asset allocation already provide enough stability.
– Additional short-term debt fund if one debt fund is sufficient.

Stopping an SIP does not mean selling the existing investment.

That distinction is very important.

» Your Large-Cap Exposure

You currently have multiple large-cap funds.

This creates unnecessary duplication.

One well-selected large-cap strategy is sufficient.

If you already have a strong flexi-cap and multi-cap allocation, even a separate large-cap fund may not be essential.

Therefore, I would stop fresh SIPs in the extra large-cap exposures.

» Your Multi-Cap And Flexi-Cap Exposure

You have several funds across these categories.

There is significant overlap here.

For future SIPs, keep only one core flexi-cap or multi-cap strategy.

You can retain another existing holding temporarily.

But avoid adding fresh money to all of them.

» Your Multi-Asset Exposure

You have multiple multi-asset funds.

This is another clear area of duplication.

Choose one suitable multi-asset strategy for future SIPs.

Stop fresh SIPs in the others.

The existing money need not be sold immediately.

» Mid-Cap Exposure

You have more than one mid-cap-oriented fund.

Keep one strong mid-cap strategy.

Stop SIPs in the additional mid-cap holding.

Mid-cap exposure can still be useful at age 50.

But it should not become an excessive part of your portfolio.

» Small-Cap Exposure

Your small-cap investment is currently relatively small.

A limited small-cap allocation can be retained if your retirement goal is still many years away.

I would not increase it aggressively.

At age 50, portfolio stability becomes more important.

» Bharat 22 And Index-Based Exposure

Your Bharat 22 FOF is a specialised exposure.

It should not be treated as a core diversified equity holding.

The index-based value fund also follows a rules-based index approach.

I would not use either as a core SIP allocation.

For the core portfolio, I prefer actively managed funds.

An active manager can change sector and stock exposure based on valuations and business conditions.

An index strategy generally follows its predefined rules.

It has less flexibility when market conditions change.

» Direct Plans

You have invested mostly through direct plans.

Direct plans have a lower expense ratio.

But there is no distributor-level portfolio service attached.

This becomes more important when you have 23 funds.

Managing overlap, rebalancing and goal allocation can become difficult.

Regular plans through an MFD have a higher expense structure.

But you also get ongoing portfolio review and service support.

For a portfolio of this size and complexity, proper monitoring can be more valuable than simply focusing on the lower expense ratio.

» One-Time Investments

Do not automatically sell one-time investments just because you stop the SIP.

Stopping SIP and redeeming are separate decisions.

First consolidate the future SIP structure.

Then review existing holdings based on:

– Current valuation.
– Tax impact.
– Holding period.
– Portfolio overlap.
– Retirement requirement.
– Exit load, if applicable.

This can avoid unnecessary taxation and unnecessary switching.

» Suggested Portfolio Structure

At age 50, I would aim for a much simpler structure.

A possible structure could have:

– 1 flexi-cap or multi-cap fund.
– 1 mid-cap fund.
– 1 balanced advantage fund.
– 1 multi-asset fund.
– 1 limited small-cap fund.
– 1 suitable debt fund.

That is enough for most investors.

You do not need 23 schemes to achieve diversification.

» Important Point About Your Age

You have around 10–15 years before retirement, depending on your retirement plan.

Therefore, equity should still remain an important growth component.

But taking unnecessary risk is not required.

Your portfolio should gradually become more stable as retirement approaches.

Start reducing equity risk well before the actual retirement date.

» Final Insights

Your biggest improvement will come from consolidation.

Do not keep adding funds simply because each fund looks attractive individually.

A good portfolio is not a collection of good funds.

It is a collection of funds that work well together.

I would stop most duplicate SIPs now.

Retain a small number of core categories.

Then review the existing Rs. amounts separately before deciding what to redeem.

At age 50, simplicity, diversification and retirement readiness should take priority over having many funds.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x