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Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 30, 2024

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
Jagmeet Question by Jagmeet on Apr 27, 2024Hindi
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Relationship

My parents said to me for marriage but i am in relationship with someone but he doesn't want marriage with me what i can do. I feel depressed and no one understands my feelings because it's very hard move on in life

Ans: it's important to acknowledge and validate your feelings. It's natural to feel upset, disappointed, and even depressed when facing such circumstances. Allow yourself to feel those emotions and give yourself permission to grieve the loss of the future you envisioned with your partner.

However, it's also important to recognize that you deserve to be in a relationship where your needs and desires are valued and respected. If marriage is important to you and your partner is unwilling to commit to that, it may be a sign of fundamental differences in your priorities and goals. In such cases, it's essential to have open and honest communication with your partner about your feelings and needs.

Express to your partner why marriage is important to you and listen to their perspective as well. However, if you find that you're unable to reach a compromise or if your partner remains unwilling to reconsider their stance, you may need to reassess the relationship and consider whether it's ultimately fulfilling and healthy for you.

Moving on from a relationship can indeed be incredibly challenging, but it's important to prioritize your own happiness and well-being. Surround yourself with supportive friends and family members who can offer understanding and empathy during this difficult time. Consider seeking support from a therapist or counselor who can provide guidance and help you navigate through your emotions.

Remember that while it may feel overwhelming now, with time and self-care, you will be able to heal and move forward toward a brighter future. You deserve to be in a relationship where you feel valued, respected, and fulfilled, and it's okay to take steps to pursue that happiness, even if it means letting go of something that's no longer serving you.

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Sir, Age: 26 Subject: NPS ( National Pension Scheme) Scheme Choice : LC 75 ( Aggressive Auto Choice) Tier : Tier 1 Pension Fund: ICICI Prudential Pension Fund Current value of scheme : Rs. 57927/- Investing Rs. 5600/- on a monthly basis My goals: Want my portfolio to beat inflation and provide a pension of Rs. 1 lakh monthly ( in hopes that beating inflation value of Rs. 1 lakh does not decrease over time) Time horizon : 34 years Questions: 1. Sir will my NPS scheme beat inflation? 2. Is the Pension Fund ( ICICI Prudential) a good choice or should I shift? 3. Will one lakh pension after 34 years be enough to support my lifestyle? (Assuming that everything pans out smoothly) 4. Judging by today's tax law income up to 12 lakh p.a. is non taxable, will I be taxed on my pension still if the law remains as is? (Hypothetical question) My details : 1.Unmarried, never planning on marriage or kids ever. 2.Current utility bills amount to Rs. 15,000 per month 3. Other expenses Rs. 5-7k per month. 4. I have other investments too, but I want to know if I can rely on NPS in old age or not. With this information alone, is retirement with NPS feasible?
Ans: Hello;

Your current expenses add upto 22 K per month.

After 34 years this amount will be 1.6 L per month considering 6% inflation.

This would need a corpus of 5-6 Cr.

Your current investment would fetch you around 1.2 Cr which is quite low.

You need to invest minimum 25 K per month in NPS to expect 5 Cr+ corpus build after 34 years. (A modest 8% return considered from NPS)

Also you may shift from Auto choice to Active choice so as to ensure 75% allocation to equity upto 50 age.(In Auto choice after 35 age equity allocation is tapered down).

You are allowed to have different fund managers for different asset classes based on their performance in respective category.

Current fund manager looks okay however you need to review performance every year.

For generating retirement corpus it is better to have 2-3 investment avenues rather then a single one.

A mix of EPF/PPF, NPS and MFs should be more appropriate.

Best wishes;

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