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Should I stay with my boyfriend who can't accept my past?

Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 10, 2025

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Asked by Anonymous - Mar 08, 2025Hindi
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Relationship

I have been in relationship with my boyfriend for the past 11 months..and its gonna be a year in this April.I love him so much that I am in a point that I can't let him leave me nor I can leave him.He gives me the support and love I always wished for.There is nothing more than him that I want in my life.But the issue is with my past. When he proposed me itself, I told the harsh truth about my past relationship,that I am not virgin like him and I got pregnant with my ex .And since he is virgin he can't accept the fact that I lost my virginity.In the beginning of the relationship he has told me if he is virgin, he wants his girl also to be virgin.If he was not a virgin then this won't be a problem for him. He can't understand nor he can't accept that I lost my virginity and got pregnant.There is a twist to this story also.In the beginning I told him that I have got pregnant in my past, but after that I told him I am not sure because my test results I saw was negative. I am not sure whether I got pregnant or not, my doctor is telling me its all my hallucinations.I have been dealing with anxiety since 7 years and I am having treatment.My padt is not affecting me now but it is affecting him making him overthink a lot and I can't see him suffer like this.Before I came to his life,he was telling his family that he don't want marriage and he will be single for life.I know that my past is not smthg that every boy can accept.But he told me that he can't accept my past ever in this life nor he can't stop overthinking about it.And because of this he wants to leave me even though he loves me.He literally told me that he can fight for me and be in a relationship with me but with the condition that I have to see him suffer.I told him to see my doctor who can better explain my past to him.But it's been months I have been telling him this and still now he didn't took an effort to see my doc.I can't even imagine spending a moment of my life with him.I found my home in him.But my concern is that is he loving me like I do.If he loves me that much he will stick on to that one reason to be with me and he is not doing.Other than the fact that he can't accept my past and it is making him suffer,everything between us is good.Should we consult a relationship expert.He told me that it is better to end this now rather than getting married in future and face problems because of this and fighting with each other and finally getting a divorce.He might be correct if this issue is not resolved now,it might create problems in the longrun.But the thing is I can't change my past and whatever happened to me was not my fault.My past has become a curse in my current relationship.I can assure that my past will not create any issue in our marriage if he can accept it somehow and not overthink about it.If we continue this relationship he have to live with the overthinking about my past for my happiness.Otherwise also if we both breakup I will suffer more because of it and he too will also suffer because he left me.He is telling that the problem is with him that he can't accept my past.What should I do to fix this problem and make him accept my past and understand my love for him?

Ans: Dear Anonymous,
I am really sorry that you are in such a tricky situation. It looks like you already know that your past is not your fault, so I don't have to remind you of that. I just want you to keep reminding yourself the same thing whenever you feel the doubts creeping in. Now, coming to your partner- though it is a little unfair that he is judging you by your past, it would also be unfair to him because he clearly mentioned that he wants someone like himself; someone without any intimate experience. I cannot explain to you why that is important to so many people, but since he has been upfront about his preference, I think it is only fair to let him decide what he wants with this relationship. Also, if he is convinced that this past thing will cause problems in the future, it really isn't the best decision to move on with the relationship like everything is okay. Accept that things are not alright, and give him the space to cool down. Do not try to convince him to get back together- I know it will be hard but it is extremely important for both your futures. If he comes back, then great. If he doesn't, you should know that it's for the best.
I know you think your life will be messed up without him, and you will forever be sad, but you are wrong. It won't. Great things will happen to you because you deserve them all.
Best Wishes.

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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Relationship
Hello mam. I am in a relationship with a boy and we both love each other and also want to get married but he doesn’t trust me at all.I tell him everything, yet he thinks I am a liar and alleges that am cheating on him. He doubts me in every single thing even he don't allow me to talk to any guy or girl not even my friends and he doesn't like when I step out from my home.  He gets scared when I step out or get to my college. He keeps reminding me to not to cheat or not to talk with anybody. All these things got me into stress and frustration and I feel so bad that the person I love doesn't trust me.We had lot of fights because of this. He abuses me and makes me angry. As I am a college going student, I can't manage my studies because of fights and his bad behaviour.He always tries to prove me wrong and make me feel guilty. He thinks very bad about me and makes his own stories adding fake stories and allegations.  In the past 2 years there is not a single day when I didn't have to explain him. But he is not ready to accept. He only wants to hear what he thinks not the real truth if I say that u are misunderstanding me he says no he is 100% right and you are wrong. One of his friends put one story 2 years ago with a girl hiding her face and the top she is wearing on that picture. I have the same top and he knows it. He doubted that the girl is me. I am tired answering his doubts. I got so much anger and feel disrespectful.I love him; he is my first and one and only boyfriend.  I do everything for him. But he treats me rudely he always starts his conversation with doubt like: where are you coming from? even if I didn't go anywhere he thinks that I went somewhere to meet someone. He tortures and abuses me like this. Every time I forgive him but he kept repeating that behaviour.  I can't even live without him. I give him my love, time...my everything.  But I didn't get anything. He thinks that I always do things by planning but I don't. He thinks that I always want to ruin his life, break his heart or cheat him but that's all wrong. He is making his mind so negative he thinks so negative about me. Because of his doubts problem I don't talk to anybody -- no friends, no guys but he thinks that I am talking to any guy and I'm lying that I don't I give every possible proof but he didn't trust me at all.He thinks that I tell people about him I gossip about him but I didn't do that I didn't even talk to anybody. He doesn't even want to breakup with me. I explained him that for our peace we have to separate he didn't want that also. He put such bad allegations on me about my character, my sexual status. I am a virgin but I didn't accept that. He makes me feel so sad and helpless I don't know what to do I’m helpless I didn't even share these things with anyone. Sometimes I feel suicidal also.  He has just all control over my life my mind but also he didn't give me respect, love or value. Plzzz help me mam what should I do with his doubts and trust issue. I am so depressed, plzzzz help me out. I’m stuck in it.
Ans:

Dear BM,

Have you heard of emotional abuse? That is exactly what you have been facing.

And why are you putting up with this? Because you maybe feel a sense of validation in this relationship.

What sort of a relationship demands constant proving and to the extent of having to prove that you are a virgin.

How is it any of anyone’s business whether you are a virgin or not? This relationship is toxic and has begun to alter your personality and who you are meant to be.

Take charge and NOW. Be YOU and what you always stood up for, because all this putting up with his idiosyncrasies, is causing you pain and moreover your inner self does not want to allow it.

Yet you are stuck to it giving yourself the story that he is the only boyfriend. BREATHE, take a step back and OBSERVE.

It’s time for you to draw out a beautiful life ahead of you and colour it as brightly as you intend.

What exactly are you waiting for? More abuses, more toxicity to hit and dampen your sprightly spirit?

Get a hold of yourself dear girl, be brave and do the right thing. Help yourself…Seek close friends who will hold space for you!

You can do this. Best wishes!

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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 01, 2024

Asked by Anonymous - Nov 23, 2024
Relationship
Hi gurus, I am 24 yrs old girl, currently pursuing MBA from a middle class family. I have a 5 yr relationship with my boyfriend. I love him very much. Don't want to loose him. Maybe he also love me. But the problem start few days ago when he suddenly confessed me that he visit red light area thrice at the first year of our relationship. From those initial days we are in a serious relationship and family involved in this. But we don't intimate but virtual intimacy was there. But this year in january we for first time got intimate and after 4 time of intimacy he confess me this that he physical one time and two time just visit their to see naked dance but failed due to some reason. Now He told me that he felt it will be cheating if he not told me this now. One side I am depressed and fear to loose him. He repetitively beg pardon from me and told that this was his peer pressure and now he mature enough to say no this.. Now he can't imagine his life without me. I don't want to loose him but can't forgive or forgot this. Now he repeatedly told me to marry him and proposed me romantically. He repeatedly want pardon from me . I love him very much that I want to forget all things and start from first again. But will it be right, if I easily forgive him than is he got much confidence to do this again?? I am depressed and confused. Pls help me . What will be right decision in this situation? Forgive him or not?
Ans: Dear Anonymous,
Whether you want to forgive him or not is your decision. But I would wonder if he has confessed all of it. The risk of carrying infections from visiting these places is heavy; so before jumping into any physical act with him, do suggest to him that he gets himself tested. He may oppose it, but be firm on it.
You love him and that's all okay...But is he in love with you OR is he wants to be with you because his family is involved as well?

What is a red flag is the fact that he was still visiting red light areas while he was in a relationship with you. Do you not want to know why? Do you not want to know what makes him beg for your forgiveness now? Till such time that you are satisfied and you can trust him again, do not act in a hurry.

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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Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 26, 2024Hindi
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Relationship
Hi Ravi sir, I am 24 yrs old girl, currently pursuing MBA from a middle class family. I have a 5 yr relationship with my boyfriend. I love him very much. Don't want to loose him. Maybe he also love me. But the problem start few days ago when he suddenly confessed me that he visit red light area thrice at the first year of our relationship. From those initial days we are in a serious relationship and family involved in this. But we don't intimate but virtual intimacy was there. But this year in january we for first time got intimate and after 4 time of intimacy he confess me this that he physical one time and two time just visit their to see naked dance but failed due to some reason. Now He told me that he felt it will be cheating if he not told me this now. One side I am depressed and fear to loose him. He repetitively beg pardon from me and told that this was his peer pressure and now he mature enough to say no this.. Now he can't imagine his life without me. I don't want to loose him but can't forgive or forgot this. Now he repeatedly told me to marry him and proposed me romantically. He repeatedly want pardon from me . I love him very much that I want to forget all things and start from first again. But will it be right, if I easily forgive him than is he got much confidence to do this again?? I am depressed and confused. Pls help me . What will be right decision in this situation? Forgive him or not?
Ans: Dear Anonymous,
I understand how conflicted you must be feeling right now, and I am sorry that you are going through this. I wish I could tell you what would be the right thing to do, but it has to be your decision and yours alone. All I can suggest is to take a beat and not rush into deciding anything.

Take everything into consideration-
On the one hand, infidelity is indeed unacceptable in a relationship. But on the other, it was in the initial stage. He might not have been as serious about the relationship as you during those days. Nevertheless, the timing does not make his action justifiable. I suggest you have an open conversation and ask him why he felt the need to do this. Ask him if he did not consider your feelings. What's concerning is that he did not stop after the first time; he went back twice more. I am not judging his choice of location but the fact that he was in a committed relationship puts him in the wrong. Also, blaming it on peer pressure is inexcusable; this isn't something funny or trivial he did because his friends dared him to. Ask him to take accountability and understand that actions have consequences.

Take it one day at a time. Whatever you decide is okay. And if at any point you want to pick yourself over the relationship, I want you to understand that it is completely alright. You will feel like it's a selfish decision, but it isn't. Remember that. Please do what you need to help you heal from this.

Best Wishes.

..Read more

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Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Nov 06, 2025Hindi
Money
I am 55 years old NRI. I looking forward my superannuation after 3 years at 58. Currently I have following investments (1) SIP MF Invested 1.4 cr, MV 2.01 cr. Montly SIP of 5.28 lakhs, can continue for 1 year more. MF Diversified into Small Cap 40%, Mid Cap 25% Large Cap 10%, Flexi Cap 15%. (2) FD for 1.0 cr @ 6.75% (3) Shares MV 40.0 lakh (4) CG Bond 19.0 lakh (5) 3 flats MV 2.25 Cr (6) Land MV 2.25 cr (7) 1 underconstruction flat Paid 50.0 laks, balance 1.5cr to be paid in next 2 years (8) 2 Sons education and marriage liability 2.5 cr in next 4 years. (9) Loan o/s of Rs 50.0 lakh (10) I am expecting monthly expenses of Rs 2.0 lakh per month. Pls advise suitability of my portfolio to generate montly income of Rs 2 lakh for next 30 years post retirement. If any additional investment or re-arrangement required, pls advise. My SIP are (a) Parag Parekh Flexi 50K (b) Aditya Birla Frontlline 23K (c) Mirae Large & Small 15K, (d) Nippon Growth 33K, (e) Nippon Large Cap 35K, (f) DSP small 12K, (g) Nippon Small Cap 27K, (h) Quant Small 49K, (i) Quant Active 25K, (j) Quant Flexi 25K, (k) HDFC Small 30K, (l) PGIM Midcap 51K, (m) Motilal Oswal Mid Cap 93K (n) Motilal Large & Midcap 29K and (o) Motilal Momentum 50 Index 31K.
Ans: Hi,

You are on the right path towards a steady and comfortable retirement post 3 years. Let us assess the entire financial one at a time.

1. FD - 1 crore. This entire amount can be treated as your emergency fund. Although use 50% of this fund to close your personal loan.
2. Direct equity - 40 lakhs. You can consider moving this entire allocation to mutual funds as direct equity investment is quite risky if you do not much about it.
3. CG Bonds - 19 lakhs - good debt investment option.
4. Life and health insurance - can increase the covers, specially now when you have time. Post retirment would be difficult for you.
5. 3 Flats worth 3 cr - with monthly rental income of 50k.
6. Plot worth 2.25 crores and Flat which will be fully paid before retirement from salary.
7. Physical Gold - good to carry.
8. Personal loan - 50 lakhs. Consider closing it using amount from your FD.
9. Current MF corpus - 2.08 crore with ongoing monthly SIP of 3.5 lakhs. It will become 4.25 crores at your age of 58 if you continue investing.

> Current ongoing SIPs have a lot of overlapping which should be avoided to get the best return on investments. This entire allocation needs a thoughtful and careful planning.
- For retirement, your current MF corpus and stocks would be sufficient to fund your retirement in addition to your rental income. You will also get your PF and gratuity while retiring. These will fund your retirement in initial 5 years.
- For later years, post the age of 63, start SWP from your MF portfolio wrt your expenses (inflation adjusted).
- Work with a professional to reallocate the funds in your current portfolio so as to fund your retirment wrt to retirment strategy.
- Refrain from buying any policy to lock-in your funds.
- A professional can design a bucket strategy for your mutual fund corpus. This way, you will get your monthly expenses and the rest portfolio keeps on growing. This fund will never end and you will leave a great fortune for your kids.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Money
Dear sir, Hope you are doing well. Sir I am central govt employee ,36 yrs of age working in Bengaluru . I have invested in lands in tier 2 cities 3 plots(in hubli) for which loan has been cleared. monthly sips of 12000 in MF for education of daughters which i am expecting to give me good compounding yield over period of 12 years from now. purchased stocks of 5 lakhs & kept it for long term. as of now i dont have any loans and my salary and expenses and savings are at par . I may relocate to hubli (my native also)as part of rotational transfer of my job. once i relocate i am planning to buy a house as i have left 23 years of govt service , Is it wise to go for home loan & emis for a period of 23 yeras or wait for some more time to shell off the existing plots . I have health and term cover . as part of job i may relocate again to bengaluru after 3 years again.& i wish to settle down in Hubli after my service. currently planning to rent a house in hubli which is near to kv school to avoid transportation hassles for daughters. 1.should i purchase a land which is near by kv or should i go for outskirts of the city ( i should consider travel distances for my daugters school &colleges)? currently one daughter is in 2nd standard other is in nursery. 2.any other investment would you suggest for good returns as i am expecting salary hike from 8 th pay commission.
Ans: Hi Ijaz,

If you relocate to Hubli, getting into another fresh loan for 23 years is not a wise decision. Instead wait for some years and shell off existing plots to buy a home later.
Also your overall savings seem less. you should consider increasing your investments in mutual funds instead of direct stocks to get benefit of compounding. Use the hike from upcoming pay commission completely into starting new aggressive SIPs for your future. This way, you can buy a home in Hubli faster than you may plan to and that too without any loan.

For SIPs, you should consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Money
Hi Sir, I am working in IT company and there is no job security I am 41 years old and my salary is 1.24 lakh monthly so I invest as much earliest to secure my future...plz suggest me Current investment PF 7 lakh. PPF 4.80 lakh (12500 Monthly investing) FD 4.5 lakh ( emergency fund) MF 8.50 Lakh HDFC Multicap fund 26k monthly SIP. HDFC Nifty 50 index fund 4k sip Jio BlackRock Flexi cap fund 18k sip just started. LIC and TATA AIA 8k monthly plan And Want to start 12k SIP in small & midcap fund. Target is 5 crore for retirement and want to achieve asap. Plz suggest if my allocations are correct and how I can achieve my goals as earliest
Ans: Hi Vijay,

You are right in saying that there is no job security. One needs to be prepared for times ahead.

- PF - continue this investment.
- PPF - not of use to you, hence contibute bare minimum of 500 only once a year to keep the account active. Instead redirect the 12.5k monhly to aggressive mutual funds tto build wealth.
- FD - for emergecny fund - good hold.
- LIC and Tata AIA - policies like these are of no use , usually give 4-5% return and lock your money. Try to surrender if not at loss and reinvest into balanced funds.
- MF - current SIP 48k with total corpus of 8.5 lakhs till now. The current funds are average and overlapping. Need reallocation. And want to take your monthly investment to 60k.

Consider investing in 4 funds - 1 largecap, 1 midcap, 1 smallcap and 1 flexicap - 15k each.

If you decide to stop PPF contribution and LIC tata policies - redirect those 20.5k per month to momentum funds.

Achieving it fast is very tough. Slowly and consistently - you can achieve this target of 5 crores in next 14 years with 10% annual stepup. And if you add additional 20.5k per month into contribution, this can be achieved in 12.5 years.

You can also a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Ravi

Ravi Mittal  |674 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 12, 2025

Relationship
Hello Sir, I'm really struggling with my family's behavior after my arranged marriage. They pushed me into it, and now they're constantly guilt-tripping me and badmouthing my wife and her family. It's getting really tough to handle, and I'm feeling overwhelmed. Can you please offer some advice on how to deal with this situation? I just want to be happy and have my family's support.
Ans: Dear Suraj,
I understand how difficult it must be when your family is giving you a hard time, especially when your wife is also suffering because of it. It is important to stand up for your partner if you think they are being unfair to her. It is important to set a boundary from the very beginning. Politely tell your family that while you love and respect them very much, you neither appreciate nor will tolerate this unfair treatment from them. Tell them that you expect their support, you expect them to love your wife as much as they love you, and most importantly, you never expected them to behave in this manner. Let them know how much their behavior has affected you. Sometimes people don’t understand that they are hurting someone with their words. And saying all these might create a little conflict, but it is important to stand up for what’s right, even if it is to family.

Other than that, communicate with your wife. Let her know that you are by her side and you realize that for no fault of her own she is suffering because of your family’s treatment and you are very sorry for that. Sometimes, even a few kind words from your partner can improve a situation.

Hope this helps.

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Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Oct 12, 2025Hindi
Money
I am 55 years old and expecting a monthly expenses of INR 2.00 lacs post retirement at age 58 [i.e. after 3 years from now]. I have following investment as of now: [i] Monthly SIP of INR 3.5 lacs, expecting to continue till age 58. [ii] Present MF corpus stand at INR 2.08 crore [investment amt INR 1.34 crore [iii] FD for INR 1.00 crore @6.75% [iv] Equity Direct INR 45.0 lacs [v] CG Bonds INR 19 lacs, maturity 2029 [vi] Life Insurance INR 30.0 lacs, coverage till 65 years [v] Family floater Health Insurance INR 10.0 lacs - covering self & spouse [vi] One vacant plot - market value INR 2.25 crore [vii] 3 flats - market value INR 3.0 crore , all rented out generating rental of INR 6.0 lacs p.a. [viii] 1 under construction flat - Paid INR 50 lacs, remaining amt to be paid INR 1.5 crore - expected to be met by salary saving - no debt [ix] Gold - physical - INR 25.0 lacs [x] Liability towards 2 sons education - INR 1.5 crore spread over next 4 years and their marriages - INR 1.0 crore [xi] Personal Loan outstanding INR 50.0 lacs. Investment in MF is spread over small cap - 40%, mid-cap - 30%, large cap - 10%, Flexi Cap - 20%. Need your guidance towards (a) existing investment capability to generate a post-tax income of INR 2.0 lacs p.m. for next 30 years (b) if its not suitable, whats your advice to balance the existing investment or any additional investment required?
Ans: Hi,

You are on the right path towards a steady and comfortable retirement after 3 years. Let us assess the entire financial one at a time.

1. Current MF corpus - 2.08 crore with ongoing monthly SIP of 3.5 lakhs. It will become 4.25 crores at your age of 58 if you continue investing.
2. FD - 1 crore. This entire amount can be treated as your emergency fund. Although use 50% of this fund to close your personal loan.
3. Direct equity - 45 lakhs. You can consider moving this entire allocation to mutual funds as direct equity investment is quite risky if you do not much about it.
4. CG Bonds - good debt investment option.
5. Life and health insurance - can increase the covers, specially now when you have time. Post retirment would be difficult for you.
6. 3 Flats worth 3 cr - with monthly rental income of 50k.
7. Plot worth 2.25 crores and Flat which will be fully paid before retirement from salary.
8. Physical Gold - good to carry.
9. Personal loan - 50 lakhs. Consider closing it using amount from your FD.

Goals:
1. Sons education - 1.5 crores
2. Sons marriage - 1 crore
3. Post-Retirement income - 2 lakhs monthly

- For education and marriage goal, you can consider tossing your plot valued at 2.25 crores and invest the amount in balanced funds. These will be more than enough for both goals for your 2 sons.
- Retirement - The MF corpus and stocks would be sufficient to fund your retirement in addition to your rental income. You will also get your PF and gratuity while retiring. These will fund your retirement in initial 5 years.
- For later years, post the age of 63, start SWP from your MF portfolio wrt your expenses (inflation adjusted).
- Work with a professional to reallocate the funds in your current portfolio so as to fund your retirment wrt to retirment strategy.
- Refrain from buying any policy to lock-in your funds.
- A professional can design a bucket strategy for your mutual fund corpus. This way, you will get your monthly expenses and the rest portfolio keeps on growing. This fund will never end and you will leave a great fortune for your kids.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |354 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 12, 2025

Asked by Anonymous - Nov 06, 2025Hindi
Money
Respected Experts, My monthly mutual fund investments at the moment is Rs. 40000 (total SIP gradually increased over past years) which I have been doing for the last 7 and half years. I am 42 yr old. My total portfolio value till now is around Rs. 42,50,000. I want to create a corpus of around 2.5 Crore in the next 10 years. 1. HDFC Children's Gift Fund - (Lock-in) - Regular Plan - Rs. 10000. 2. ICICI Prudential Midcap Fund - Direct Growth - Rs. 5000 3. ICICI Prudential Multicap Fund - Growth - Rs. 2000 4. Axis Large Cap Fund - Regular Growth - Rs. 4500 5. Axis Focussed 25 Fund - Regular Growth - Rs. 2000 6. SBI Focussed Equity Fund - Regular Growth - Rs. 4500 7. Invesco India Small Cap Fund - Regular Growth - Rs. 5000 8. Edelweiss Multi Cap Fund - Regular Growth - Rs. 7000 I want to increase the SIP of around Rs. 10000 in my mutual funds now to make total SIP value of Rs. 50000. I am thinking about increasing Rs. 7000 in Axis Large Cap Fund (which will take its total Sip value to Rs. 11500) and Rs. 3000 in Axis Focussed Fund (which will take its total Sip value to Rs. 5000). Kindly suggest me following two points: 1) Possibility of creating a corpus of around 2.5 Crore in the next 10 years with these funds and what should be the right yearly increase in my SIP value. 2) Increasing of SIP of Rs. 7000 in Axis Large Cap Fund and Rs. 3000 in Axis Focussed Fund is right choice or should I increase in my other mutual funds. Your expert opinion will be appreciated.
Ans: Hi,

At the age of 42, you are headig in right direction. And I really appreciate your dedication in investing for past 7.5 years and creating an amazing corpus for yourself.
Currently you are investing 40k monthly in mutual funds and want to increase it to 50k per month which is a very good decision as step-up SIP can make a huge positive impact in your wealth creation.

- If you continue investing at this pace, with a monthly investment of 50k for next 10 years, you can easily achieve 2.5 crores with a CAGR of 13%. And if you step-up with 10% yearly investment, you can get more than 3 crores after 10 years.
- However the funds you mentioned are lil overlapping. It needs some minor re-allocation. You have 2 multi cap funds and 2 focused funds. You can keep one of both the funds.
- Increasing 10k SIP - Add 3500 to Axis Largecap (total 8000), 6500 in good Momentum fund.

As your portfolio size is quite big, it would be really better for you to work with a professional who reviews your portfolio periodically and changes it as per the requirement.
Hence a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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