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Can I Marry Someone From a Different Caste But the Same Gotra?

Kanchan

Kanchan Rai  |552 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 09, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jan 09, 2025Hindi
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Relationship

Is it okay to marry someone from different caste but same gotra?

Ans: the decision to marry someone from a different caste but the same gotra should be based on mutual understanding, respect, and a shared vision for your future together. Open communication with both families and possibly seeking guidance from elders or counselors can help navigate any challenges and ensure that the decision aligns with both your personal values and cultural expectations.

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Asked by Anonymous - Mar 06, 2025Hindi
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Can I retire at age of 50 years? My savings are cash in Bank around Rs 2 Cr with nominal FD returns, Have Physical Gold about 3 Kg (Purchase price 1.8 Cr), Have Ornament Gold about 2.3 Kg (Purchase price 1.2 Cr), Have Unlisted NSE stock worth 1 Cr, Have Pre IPO Opportunities Fund worth Rs 80 Lakhs, Have two apartments worth 3 Cr and 1.5 Cr with combined rental of Rs 1Lakh per month, Have residential plot worth 1.5 Cr, Have one house abroad worth 6 Cr and rental 2 Lakhs per month, Have cash in Offshore Bank in dollars i.e. worth Rs 12 Cr with nominal FD returns, Have Insurance schemes worth Rs 20 Lakhs and Lastly have a house worth Rs 18 Cr in which we currently reside. Our Expenses : We have no Loans/Debts, Our Average Monthly Expenses are Rs 8 Lakhs, Health Insurance Rs 1.5 Lakhs per annum, Total College Education abroad for 2 kids for next 6 years estimated to be Rs 6 CR on an average 1CR per year, Old Aged Parents Expenses Rs 2 Lakhs per month.
Ans: Hello;

Just summarizing your assets available for generating retirement income:

1. Domestic FD: 2 Cr
2. Gold(3 Kg) valued at~:2.64 Cr
3. Jewellery valued at~:2 Cr
4. Flat1: 3 Cr
5. Flat2: 1.5 Cr
6. Land: 1.5 Cr
7. Overseas House: 6 Cr
8. Overseas FD: 12 Cr
9. Self occupied property: 18 Cr
10. Stock & AIF: 1.8 Cr
Total: 50.44 Cr
(Gold price considered: 88 K per 10 gm)
However we can subtract assets at serial no. 3, 7 and 9 from this and we get a corpus of 24.44 Cr. The 44 L may be kept aside for transaction costs, taxes etc.

It is advisable that you sell the flats in India offering low rental yield and also physical gold and the land property.

Now the corpus of 24 Cr may be split into two parts:
20 Cr may be invested in MFs for SWP at 5% yielding post tax income of around 7.3 L per month.

4 Cr may be used to buy immediate annuity from a life insurance company. Assuming 6% annuity rate you may expect a post tax monthly income of 1.4 L.

So your post tax monthly income may be:
7.3+1.4+2*=10.7 L as desired.
*Rental from overseas House

Since the kid's higher education is not finding place here I suggest you work for few more years, while putting this retirement income plan in place, for funding their higher education.

Best wishes;
X: @mars_invest

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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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