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Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 26, 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 23, 2024Hindi
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Relationship

Hi, My partner’s parents are not agreeing for inter caste marriage. How to convince them?

Ans: Dear Anonymous,
You can't convince anyone when they have decided not to be convinced. Inter-faith marriages are still a big NO-NO in many households and when you ask parents, they will give reasons of not being able to adjust to another home with different customs and traditions and also they worry about society.
If you want this marriage, rather than focusing on convincing your parents, why don't you build reasons on why they should trust your partner? Let you partner also try and integrate into your family. Your parents need to see why your partner is good for you and maybe that will help them break their beliefs.
So, think more on what you and your partner can do for your parents to trust and be comfortable around your partner.

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

Anu Krishna  |1406 Answers  |Ask -

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

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Hi Ma’am. I’m having a problem with my parents about my marriage. I’ve been in a relationship for three years and I want to marry him. My parents are not agreeing as it is a society issue because it is an interstate and inter-caste marriage. I'm trying to convince my parents for that since long time but it's going nowhere and they are too stubborn to even meet him once. What can I do in this situation? How can I deal with their emotional drama as a parent-child relationship should not break because of these issues? Kindly advise me, Ma’am. AS
Ans:

Dear AS,

You need to focus on how you can marry the person you love and also have your parents support you.

Is this possible?

There is a chance only if you take them into complete confidence and appeal to their logic.

Many societies are still against inter-caste marriages and I am sure they have their reasons for it, just like your parents have strong reasons to oppose the marriage.

Have you tried to find out why they oppose it? Are they worried about how they will face your family members as this is a big thing across cultures in the world?

As their daughter, you have connections with them as well as the right to live your life your way. Bring in an elder member of the family and ask him/her to appeal on your behalf. If this doesn’t work, you might be forced to decide one way or the other.

Whatever you do, do it with conviction and maintain relationships along the way. It may be an uphill task but breathe, smile and live life.

All the best, Happy 2022!

..Read more

Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 26, 2024

Asked by Anonymous - Aug 22, 2024Hindi
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Relationship
Hi Ma'am, I got married few years back to my boyfriend. It was an intercaste marriage to which my parents opposed very strongly. They tried doing everything from verbal abuse, emotional abuse, guilt tripping, calling names, blaming my education to even asking me to leave my job. But with my elder brothers support I was able to still go ahead and got married to him. Today my parents love my partner a lot and are very happy with the very same person and his family which they were earlier opposing to due to fear of what others will say to this intercaste marriage. But today there is a similar situation built up at home with my brother's wedding. He is in his 30s and parents are concerned of getting him married asap. He told them about his girlfriend from other caste which was okay with the parents but they didnt like the girl purely from looks. They are concerned now that people will question them why you bought such a bride for your son and that they had so many beautiful prospects to which they said NO and now will be making this girl a bride of the house which will open them to mockery of others. They have not even met the girl but only after seeing photos they are so negative and again hurting us as well as themselves by saying lot of negative toxic things and guilt tripping for everything they have done for us. I feel they will become happy in few years but at this point they are not even agreeing to meet the family due to which the girl's family is getting apprehensive of marrying their daughter to our family. I have been trying to convince my parents but they start saying things like you also did the same so you will obviously support and we don't want to be a part of anything. If you want to get married go ahead and do it but don't expect us to be a part of it. What should I be doing?
Ans: Dear Anonymous,
Your parents like giving their children a challenging time by exerting authority and then afterwards giving in to prove that they yielded and are such good people. It may sound pretty mean, but a lot many people play this power struggle games simply to win favors. This happens in the relationship sphere in homes and work spaces.
Now, in this case, your parents may or may not come around BUT seeing the way they accepted your marriage, give your brother's situation a bit of a pause. This will help your parents know that no one is going to beg and plead them and then let them have the pleasure of saying YES.
It will also enable you and your brother to work in the background as to how to make the girls' side of the family and your parents to meet. So, take a bit of a backseat that will also aid in letting your parents breathe. Wait it out a bit and then work with your parents gently to address their concerns and then eventually make the parents meet. A bit of patience...

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

..Read more

Latest Questions
Dr Ashish

Dr Ashish Sehgal  |115 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 23, 2024

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Sir as I previously take your view about my situation...sir you tell that in love understanding between partner is important.but sir my partner doesn't want to talk with me.I just never think that he will give up so easily.
Ans: It’s interesting, isn’t it, how relationships often mirror the patterns of communication we create within them? When one partner feels distant or unwilling to talk, it’s less about them giving up and more about a shift in the way they’ve been feeling understood—or misunderstood.

You see, communication isn’t just about words; it’s about emotions, intentions, and the unspoken messages we convey. If your partner isn’t talking, perhaps they’re saying something without words. And that’s where curiosity becomes your ally.

Instead of focusing on the silence, what if you shifted your attention to understanding what that silence represents? Maybe it’s disappointment, frustration, or even fear. But the key is, you can’t solve what you assume—it’s about discovering what’s really there.

And let me ask you this: if you were to step into their shoes for a moment—just imagine being them—what might they feel? What might they need to hear from you, or perhaps sense from your presence, that could bring a spark of connection back into the conversation?

Love is rarely about giving up. It’s about learning to communicate in a way that feels safe and understood. And if you’re willing to stay open, willing to listen to the quiet messages, you may find a new way forward—one step at a time.

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Money
Hi Mr. Ramalingam, Can I check New Asset class (Specialized Investment Fund SIF) for 10 lakhs investment for my kids education(Right now 4months old). Thank you for your response.
Ans: Investing Rs 10 lakhs for your child’s education is a thoughtful decision.

Your child is 4 months old, so you have a long investment horizon.

Currently, SIF is not yet launched or operational.

Equity Mutual Funds: A Reliable Option
Equity mutual funds are proven for long-term goals like education.

They offer inflation-beating growth over a 15-18 year period.

Start investing now to benefit from compounding.

Choose funds with a consistent track record.

Wait and Observe SIF Performance
SIF is a new asset class and lacks a performance track record.

It’s wise to wait for its launch and review its stability.

Assess the fund's returns, risk profile, and management quality.

Investing in an untested asset could increase risks unnecessarily.

Diversify Investments Over Time
Initially, focus on equity mutual funds for growth.

Later, as SIF stabilises and performs well, consider it.

Diversify across asset classes gradually based on market insights.

Final Insights
Begin with equity mutual funds for your child’s education fund.

Monitor SIF's launch and performance over the next few years.

Decide on SIF only after it demonstrates a solid track record.

Keep your investments aligned with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Milind

Milind Vadjikar  |790 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

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Money
I& my wife is 32. What would our ideally retirement corps. I assume 20Cr. Correct me if I'm wrong. My current saving & income are below - 1) Rs 2,40,000 take home per month combined. 2) We both have PPF for the last 7 years contributing 1.5L each year from starting and plans to continue till 60. 3) LIC will give us 2Cr when we hit 60. 4) NPS we contribute 1L per each year form 2022 combined plans continue till 60. 5) Mutual Fund of SIP Rs 10,000 each month for last 1 year combined plans continue till 60. 6) APY we will get 5000 per month at 60. 7) FDs of Rs 36Lakh 8) Gold of Rs 15Lakh bonds 9) Got Inherited Rs 1.6Cr in form of FDs 10) Have Medeclaim of 40Lakhs and have own house. 11) Monthly expenses is around 40,000. 12) Have 1 year old Kid. 13) Have PF of 8 lakhs and will grow till 60. Also taking Gratuity in account.
Ans: Hello;

Your current monthly income need of 2.4 L will grow up to 12.27 L after 28 years (At your retirement age of 60) considering 6% inflation.

Assuming your expenses at retirement will reduce so you may need 75% of this income to cover your expenses at that time therefore you may need a monthly income of 9.2 L.

To generate this income you may need a corpus of 27 Cr(Min.) at the age 60 that may generate post-tax monthly income of around 9.2 L.

Your investments will grow as follows,

1. PPF: 1.5 L per person per year for 35 years will grow into a corpus of around 4.32 Cr. (6.9% return assumed)

2. LIC: policy maturity proceeds will provide 2 Cr at age 60.

3. NPS: 1 L per person per year may grow into a sum of 2.5 Cr at 60.(8% return considered)

4. MF sip of 10 K may grow into a sum of 2.05 Cr at 60. (10% return considered)

5. FD of 36 L will grow into a sum of 2.1 Cr if held till 60. (6.5% return assumed)

6. Gold in form of bonds if reinvested into gold mutual funds and held till 60 may yield a corpus of around 1.1 Cr. (7% return assumed)

7. Inherited funds if held in FD till the age of 60 may yield a corpus of 9.9 Cr.
(6.5% return considered)

8. EPF is expected to grow into a sum of around 1.8 Cr at the age of 60.(7% return considered)

A summation of investment values at 60 indicates a sum of around 25.77 Cr thereby hinting at a gap of around 1.23 Cr.

You may begin another monthly sip of 7 K now which may grow into a sum of around 1.3 Cr by 60 age.(10% return assumed)

If the mediclaim policy is from employer, do buy a personal health care cover after 50-55 for your family for post retirement needs.

I presume you both have adequate term life insurance cover apart from LIC policy.

The financial goal for your kid's education and family expansion, if any, is not factored here. You may need to plan for it suitably.

Also it appears that your allocation to equity is quite low, may be due to limited risk appetite but you have time on your side and although short to medium term(5-7 yr) equity asset class may be impacted due to volatility but over a long-term(10 yr+) they have demonstrated good inflation adjusted returns so may be you may consider to increase allocation through hybrid funds suiting your risk appetite.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Money
Meri family ki income 80 lakhs hai yearly aur 40 lakhs expense hai aur age meri 48 hai capital family ki 4 cr hai to unko kaise manage aur kaha invest kare
Ans: Current Financial Snapshot
Annual Income: Rs 80 lakhs
Annual Expenses: Rs 40 lakhs
Capital Available: Rs 4 crores
Age: 48 years
Your income and existing capital provide a strong foundation. With proper planning, you can secure your financial future and achieve your goals.

Key Financial Goals
Retirement Planning: Build a corpus to sustain your post-retirement lifestyle.
Wealth Growth: Invest capital for inflation-beating returns.
Risk Management: Ensure adequate insurance coverage for family security.
Tax Efficiency: Optimise investments to reduce tax liabilities.
Suggested Investment Allocation
1. Emergency Fund
Maintain 6-12 months of expenses (Rs 20-40 lakhs) in liquid funds or a high-interest savings account.
This ensures liquidity for any unforeseen circumstances.
2. Equity Mutual Funds
Allocate 50-60% of your capital (around Rs 2-2.4 crores) to equity mutual funds.
Use diversified funds like large-cap, flexi-cap, and mid-cap funds for growth.
Avoid index funds due to lack of flexibility and active management.
Invest monthly through systematic investment plans (SIPs) for disciplined investing.
3. Debt Investments
Invest 20-25% of your capital (Rs 80 lakhs-1 crore) in debt mutual funds or fixed-income instruments.
Choose funds with low risk to ensure stability and predictable returns.
These funds act as a safety net during market downturns.
4. Children’s Education or Marriage
Allocate funds for long-term goals like education or marriage.
Invest in balanced advantage funds or equity mutual funds for higher returns.
5. Retirement Planning
At 48, focus on building a retirement corpus.
Allocate 20% of your capital (Rs 80 lakhs) to retirement-specific investments.
Use a mix of equity and debt for growth and safety.
Risk Management
Life Insurance
Ensure you have a term insurance cover of at least Rs 2-3 crore.
This protects your family’s financial future in your absence.
Health Insurance
Take a family floater health insurance plan of Rs 25-30 lakh.
Include critical illness coverage to address rising healthcare costs.
Tax Efficiency
Maximise Section 80C benefits by investing in ELSS mutual funds or PPF.
Use NPS for additional tax deductions under Section 80CCD.
Invest in tax-efficient instruments to reduce liabilities.
Regular Monitoring
Review your investments every six months with a Certified Financial Planner.
Rebalance your portfolio to align with market trends and life changes.
Final Insights
You have a strong financial base with high income and significant capital.

With disciplined investing, risk management, and tax efficiency, you can grow your wealth and achieve your goals.

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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