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Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 01, 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 - Jan 18, 2024Hindi
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Relationship

Hi, My sister was married in 2020. her relationship with her husband was good. He used to come late at home and talk to someone for long hours but was very loving to my sister all the time. My sister became pregnant and during that time she came to our home. She was here for almost 10months during which her husband would visit occassionally. Post delivery, my sister was finding it difficult to manage since this was her first child. this her husband never understood and started flirting with another girl and when confronted, he would just say that he had no intention to get involved with that woman, that woman was like her sister. Later when my sister confronted him he refused to answer anything and would just leave the room. Later this matter was informed to his father who disapproved of his behaviour initially and later started supporting him for his behaviour. my sister tried everything that was possible to reconcile. She even told him to forget everything and start new but she just doesnt understand and still behaves in the same way. Now my sister has come to my home again but still he doesnt realise his mistake and doesnt even take any step to reconcile. Please guide what to do? She has a 1 year old girl. please share your opinion. i have tried everything possible even spoke to his father but he is also adamant that its not his fault.

Ans: Dear Anonymous,
What can be done if the father also supports his son in an act of this nature?
It is time to involve the elders in your family to subtly put pressure on your sister's in-laws. Anyone in their sane sense will care for their reputation and if your sister's husband has an ounce of it left, he will do something to change paths.
If he doesn't and is still supported by his father and continues to be involved with women, then maybe you need to think of drastic steps to secure your sister and her little child's future. It will be a battle if you send her back home now and to manage all that with a little child is not easy.
So, before asking her to go back to her husband, cover all the loose ends which will make it safe and secure for your sister and her baby. If you see anything that will trouble her, then solve that part first...
If the in-laws are adamant, get your side of the elders to push back gently and then watch what happens.
Through all this, let your job be to strengthen your sister in terms of her mind; her baby is dependent on her well-being, so guide her to become self-reliant and mentally strong. It will be a big gift that you give her as a sister...

All the best!

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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 14, 2022

Relationship
Dear Anu,Hope you are doing well!I happened to read few of your articles on family issues hence thought of seeking advice on a very complicated family issue of mine.This is going to be really big email... sorry I badly need help!My elder sister is married for close to 8 years now.It's an arranged marriage and she is married to very big family of three sisters and two brothers....My sister's husband been the last one in the family...Since Day One of the marriage her sisters-in-law would interfere in every little thing that happens in my sister's and her husband's life. Literally everything and her life is miserable now...These three ladies never let his elder brother's wife as well to stay with her husband and now she lives separately fearing his sisters. And it's the same with my sister's life as well.It is an arranged marriage with an age gap of 10 years between my sister and her husband... Since Day One he would pick up silly fights with my sister and emotionally blackmail her... I'm not sure if he was really into the marriage.... He always complains about my sister, ill-treats her and constantly keep asking her to divorce him.He listens to his sisters and humiliates her.My parents have been looking after my sister's needs even after marriage -- phone recharges, dresses and even sanitary napkins. He has never spent money for my sister's basic needs.She has to do all house chores like washing, mopping and cleaning.... And his sister will just cook and leave... they have never let my sister to cook but complain to everyone that she doesn't want to do house chores.I have seen my sister (when I stayed with her for two days just see what was happening in the house) she wakes up at 4 am to sweep the garden mess which is close to half an acre. Then mop the house, wash vessels and clothes. She will be exhausted by the time she finishes all the work and when she finally sits to eat, the in-laws will taunt her and she has starved without eating for days.When she discussed this with her husband, he'd ignore or argue with her not to say anything bad about his sisters.Our upbringing back home was very different. We grew up around house helps who helped us with chores but my sister didn't complain about that as well. She said ‘in laws’ house is way different than mom's place.' It hurts to see my sister this way.All his three sisters rarely stay at their homes, instead they prefer staying at my sister's place and cause troubles between the husband and wife.He treats my sister like a slave.If she doesn't do what he asks her to do he says 'sign the divorce papers and leave.'According to him, my sister should never visit her mom's place. If she has to visit, she has to seek his permission and he will decide whether she can go or not and for how many days. If she stays back a day longer, he would pick up a fight. Even if he is in a different city she has to stay at her in-laws place.He works in army as a subhedhar. We have huge respect for people in the Army, that's the reason my sister was married to him despite the difference in age.And when my sister first gave birth to her son he said the most cruel thing any man could say. She had a C-section so he said, You are lame, you haven't done anything big or great, you had an operation, you easily cut open and gave birth. What pain do you think you have when you give birth in anesthesia?He would humiliate her in front of family members and friends, colleagues...We have advised her to leave him, find a job, to look after herself and the kids. We will support her. But she is not confident enough. She is so used to being dependent that she is scared of taking the big step fearing her kids’ future.She has been tolerating him more than any human can tolerate also because she is financially dependent on him.She has two kids, aged six and three.If she divorces him, she is worried about the kids’ schooling.As he is in the Army he will be moving to different cities every two years.In these 8 years of marriage, they have hardly been together for a year or more.He never took her to any deputed locations. She has to stay here in Kolar with her in-laws and he would visit her annually. My sister has to bear the brunt of the entire family.He will call my sister only if his sister permits, otherwise he will stay without calling her for months.My parents were also bearing all of his attitude for a few years until things went out of hand. Even after having 2 kids his attitude didn’t change.So my parents had to intervene.This pathetic man would find millions of ways to torture my sister mentally and physically.She was a silent and reserved kid in our family. Now she is so used to his behaviour that she is okay to live with him just for the sake of her kids. We are not that well off. My dad is a retired official who gets very little money as pension. So my parents are worried who will take care of her and kids after them if in case we file a divorce. Will alimony work here?There is no peace in our family.My parents are old and struggling with their health issues. And now there is so much of mental pressure due to all of this.After so much struggle and arguments, he finally took my sister with him to his current deputed location for 6 to 8 months. Again upon his sisters’ insistence he left his 6 year old kid with his sister and family and forced my sister to come with him or sign the divorce papers.And my foolish sister who didn't know what to do left her 6 year old kid with his sister in law family and went with her husband taking the another kid. Now she is crying day and night thinking about her kid.I went on with a huge argument with him asking what is the need for a child to leave his parents and study at his aunt's place. Since he is in the Army, changing schools should not be so difficult; he is your own kid and blood. How can you leave him alone there? He said, ‘My son will study wherever I ask him to.’When I asked him why he forced my sister to come with him leaving the kid with his sisters, he used cuss words and asked me to mind my own business. I lost my cool and said that he is acting brainless. He reminded me that he is the Army and no one can do anything to him. He said I could raise a complaint and cut the call.Now he has set rules that no one should visit or see his son. When my parents went to visit their own grandchild recently, his sisters did not allow them.I have been telling my parents to lodge a complaint against this man. But my parents feel that he is their son in law. Anything we do would affect my sister's life and brushed it aside. They’d rather convince my sister and send her back to live with the pyscho.Now they have realised and are repenting for not complaining about him earlier.Please advise us how to move further because whoever we consulted regarding this told us that we cannot complain about this. Only my sister can complain. She is scared of him and fears to lodge a complaint. She is in a different city now and wouldn't be able to do so.Is that right? Can't a grieving parent, grandparent or sister like me who is worried to the core about her sister's and cousins life complain against this saddest man?Is divorce advisable in this case or are we overdoing it? Should we lodge a police complaint? Can we write to his superior?It is possible that he might file a defamation case against us?I literally have no clue what to do or where to seek help. Please help me save my sister from this pathetic marriage.Awaiting your response.
Ans:

Dear ST,

If you and your parents know what has been going on, why did you not think of lodging a police complaint against your sister’s husband and his family for mental harassment?

What exactly are you waiting for?

Your sister has become used to this misery and sometimes this misery is familiar, and women are willing to put up with it for fear of societal backlash and being a burden on parents.

Which family separates a mother from a child?

Which family entertains the interference of sisters-in-law so much? I am unable to still understand why they would do such a thing.

And to top it all, our country has a huge mass of parents who believe that a daughter once married is the property of her husband. Which only means that he and his family can ill-treat her the way they wish, and the parents cite an excuse of being old and having no money to take care of her if she comes back.

Please, my humble appeal to each parent who have daughters crying out for help…bring them back home; at least they will have a chance to live and live a dignified life. She is still your daughter.

What if she wasn’t married? Would your parents throw all their children out saying that they are poor?

The reason your sister is hesitating to leave the man is perhaps she feels like a burden to your parents.

The first step is to become her strength by welcoming her back; society and her husbands’ family can be taken care of.

Hire a good lawyer who can take care of legal matters if it goes the divorce way.

Divorce or not is your sister and her husband’s decision.

Let her have some time away from her husband and his family. It might help her gain some objectivity and make a wise decision.

So, first you and your parents welcome her back…the rest can wait.

All the best!

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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 25, 2024

Asked by Anonymous - Mar 22, 2024Hindi
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Relationship
I am 50 years old lady. I have youger sister about 40+ age. she is very negative thinker from younger age. I dont have mother and father. i have younger brother. my younger sister was in depression at time lock down then after treatment she become nornal therefore we decided to do marriage as she is along and nobody is there to take care of her as I am also having family. I and my family did marriage of her without inform her depression condition to groom. now her husband telling we are cheated to him. toubling us what to do...
Ans: Dear Anonymous,
Is your sister in a depressive phase yet again that her husband feels like he has been cheated? If she had fever after marriage, would he still have felt cheated by the fact that you didn't tell him about any fever before marriage?
Mental health issues are still not freely accepted in our part of the world as yet...given this, I am not surprised at the way your sister's husband and his family are behaving this way. The only way is to pacify them about it by giving them the facts as they are now.
Appeal to their wise side that it is possible to manage depressive phases and that the support of family is of utmost importance. Now winning this argument will depend on how forward thinking they are and whether they will be able to brush of the social stigma of depression. It's a nasty game but one that you all are already in...give it your best shot and talk about it openly at least now for your sister's sake. Hiding this has caused an unnecessary drama, so being frank is your only best option now...

All the best!

..Read more

Anu

Anu Krishna  |1318 Answers  |Ask -

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

Asked by Anonymous - Oct 28, 2024Hindi
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Relationship
Hello Mam. My sister (32F) is having affair with her father in law (61M) and friends of father in law. I got to know about it somehow on the day of rakhi when I visited her house. I asked her to stop all these, but she broken all kinds of relations with me and blocked me. She asked me to not to interfere in her life. She is my own sister. She has 2 children. They are 2 & 4 years old. My parents are no more, so I am not getting help from anyone. Her husband is a nice and genuine person. He loves her a lot. Believe me, I know her husband properly, but I don't know why is she doing this. I am not able to tell her husband because I don't want to ruin her marriage life. Her mother in law is also no more from before her marriage. My wife also tried to make her understand that it's not right, but she didn't understand. My wife asked her if there is any fault of her husband, but she replied "No". Then what is the reason behind all these ?? What should I do ??
Ans: Dear Anonymous,
Your concern for your sister is valid, but if she does not want that concern or suggestion or advice from you, what can you do about it?
Sadly, sometimes in life, we become spectators to dramas that we don't subscribe to BUT you have to let it be as a phase...else your relationship with her will sour and it may carry on to the next generation as well which is a well-known fact in many families.
So, don't interfere if she does not want it, you will risk losing your connection with her and the time when she is really going to need you, things would have soured too much.
Also, telling your sister's husband about it could go any way...either, he will be thankful to you and take things in his hands OR he may go about lashing at your sister and blaming you and your family...so, tread very carefully...usually, it's better to leave things alone between the couple and am sure that somewhere your sister's husband also knows about it or at least has doubts about it.

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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Kanchan

Kanchan Rai  |405 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 12, 2024

Asked by Anonymous - Nov 11, 2024Hindi
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Relationship
hello, I'm a 49F married for 21years. It was an arranged match, and from day one my husband and sister have not gotten along. I've also been naive and under my sister's control for a long time, which has angered my husband a lot. In March they both had a verbal altercation and have not been on talking terms. Now my husband is not letting my 18y son meet my sister. My husband is demanding a sorry from my sister, post which only my son can meet her. I'm really sad as my sister dearly loves my son, also I don't feel its morally right to involve children in family politics. And my sister will not apologize to my husband. Need help to understand on how to get my innocent son out of this mess. My husband is very controlling, very angry, very interfering person, overall he has a very negative perspective on everything.
Ans: It might help to approach this from a place of calm and clarity, starting by recognizing that both your husband and your sister likely feel hurt in their own ways. Your husband’s demand for an apology may come from years of built-up tension and perhaps a feeling that he hasn’t been supported in the past. On the other hand, your sister may feel hurt or defensive, making her unwilling to apologize. While it would be ideal for them to resolve this between themselves, you’ve noticed that it’s now affecting your son, and you understandably want to protect him from being caught in the middle.

When talking with your husband, you could try sharing your perspective calmly, focusing on your son’s well-being. For instance, you could gently explain that keeping your son away from his aunt might make him feel confused or torn. Rather than asking your husband to change his mind outright, it could help to show him that your main concern is your son’s happiness, not taking sides. If he understands that this isn’t about undermining his feelings, he may be more open to a conversation.

With your sister, if you have a trusting relationship, consider sharing that her relationship with your son is important, but so is reducing tension in the family. Without asking her to apologize, you might just express that a little openness on her part could make a big difference in helping your son maintain his connections.

This might take time to work through, and that’s okay. In the meantime, keep reassuring your son that he’s loved by everyone. Explain to him that sometimes adults have disagreements, but it doesn’t change the fact that he’s cared for. Keeping those bonds strong now could help everyone come to a better place down the line.

This is a tough situation, but focusing on your values—family harmony and your son’s well-being—can help guide you through it.

..Read more

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Pradeep

Pradeep Pramanik  |186 Answers  |Ask -

Career And Placement Consultant - Answered on Nov 21, 2024

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Career
I am looking for a job, I had uploaded my resume in job site. A consultant called me & introduced himself telling he know some of the openings. He had a detailed discussion about my job & my skills. He told need to register to his consultancy for scheduling interview. I registered with him & he got me a interview. Interview was done by the company through skype. I could not see the company persons. They told only they can see me. Interview went on well & regarding salary I told my expectation but they told it is not possible & they told their proposal. Finally I agreed to them. They gave me code & told to visit the company for next round. Consultant called me after first round & told recruiter is very happy with the interview. Regarding salary he told why I agreed for the proposal,he will discuss again & asked to pay charges for some of his services which he will refund the day I visit to the company & take the orders. I paid him. He told there is a increase in salary he has discussed with recruiter & again asked for the money I did only partial payment & further will not pay anything. Second round also happened through skype instead of in person. Interview went on well & salary offered was good comparing to before & there was a big jump. Recruiter told they have planned to give additional responsibilities so they have increased. Finally they gave me a date to visit company. I asked when will I get the order, he replied he will send to consultant as I was taken by them. Till now i did not get the orders, consultant is keep on postponing. Now he told visit to company date is also postponed, he will update in next week & not to worry as job is confirmed. Now not understanding what to do, am I been cheated or wait.
Ans: Dear Mr. Keshava ,

There are many unscruplous job agents who are fake and claim themselves to be a Placement consultant. In short You have been cheated . Before paying any fee for registration , you must ensure that the agency is genuine . If not don't even upload your resume . You may write to company , lodge a complaint against the agency. If the amount is very high , pl. take the help of police . .

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

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Money
I hv started sip in 2008 and still continued , now the monthly sip is 55k and total value is 1.85cr. Need to accumulate 7cr with in next 4 yrs pls guide how can i achieve. - Deepak J. Hajari
Ans: Deepak, your long-term SIP discipline is impressive. Accumulating Rs. 7 crore in 4 years is ambitious. Achieving this goal requires a strategic approach, as time is limited. Let's create an actionable plan for your success.

Current Financial Snapshot
Ongoing SIPs: Rs. 55,000 monthly.
Current Portfolio Value: Rs. 1.85 crore.
Target Corpus: Rs. 7 crore within 4 years.
Your consistent investing habits have built a solid foundation. However, to achieve your target, adjustments are needed.

Key Challenges
Short Time Frame: Four years is a limited period for aggressive wealth accumulation.
Significant Gap: A gap of Rs. 5.15 crore remains to meet the Rs. 7 crore goal.
Market Volatility: Equity investments might face short-term volatility.
Recommendations to Bridge the Gap
1. Increase Your SIP Contributions
Raise your SIP amount to Rs. 1.25 lakh per month.
This increase ensures faster wealth creation through compounding.
Prioritise high-growth funds in equity-oriented categories.
2. Invest Lump Sum Amounts
Consider deploying a lump sum if you have idle savings or low-yield investments.
Invest in aggressive equity mutual funds for higher potential returns.
Break down the lump sum into tranches for better market timing.
3. Diversify into High-Growth Mutual Funds
Focus on small-cap and mid-cap mutual funds for higher growth potential.
Maintain a balance with some large-cap exposure for stability.
Ensure the portfolio aligns with your high-return requirements.
4. Avoid Overexposure to Debt or Low-Yield Instruments
Limit debt investments during this aggressive growth phase.
Avoid instruments like FDs or debt mutual funds with lower returns.
Rely on equity for the next four years to maximise growth.
5. Rebalance Your Portfolio Regularly
Conduct a portfolio review every 6 months.
Reallocate funds based on underperforming or outperforming sectors.
Keep your portfolio aligned with market trends and your goals.
6. Capitalize on Bonus or Windfall Gains
Direct any bonuses, salary hikes, or windfall gains towards your target.
Avoid unnecessary expenses during this focused phase.
Tax Efficiency Matters
Equity Mutual Funds Taxation: Gains above Rs. 1.25 lakh are taxed at 12.5%.
Debt Mutual Funds Taxation: Taxed as per your income slab.
Plan redemptions strategically to minimise tax liabilities.
Leverage Market Opportunities
Benefit from Market Corrections: Use corrections as opportunities to invest lump sums.
Stay Invested for Compounding: Avoid early redemptions to let compounding work fully.
Role of Regular Monitoring
Track Performance: Ensure funds are performing as per expectations.
Switch Funds if Needed: Shift from underperforming funds to high-growth options.
Final Insights
Deepak, achieving Rs. 7 crore in 4 years requires aggressive yet calculated strategies. Increase your SIPs, deploy lump sums, and focus on high-growth funds. Regular monitoring and disciplined investing are key to your success. Stay patient and consistent.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 20, 2024Hindi
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Money
I am 50 yrs old. If I invest 60k per month for 10 yrs in SIPs of MF then will I be able to achieve the corpus of Rs. 2.50 Crs and if not how much shall I invest per month and in which SIP schemes
Ans: You have a clear goal to invest Rs. 60,000 per month for 10 years. The goal is to accumulate Rs. 2.5 crore through mutual fund SIPs. Let us analyse your query in detail and provide actionable insights.

Evaluating the Feasibility of Your Investment Plan
10-Year Time Frame:
Ten years is a medium-term horizon. Equity-based mutual funds offer good growth potential for this period.

Monthly SIP Contribution:
A SIP of Rs. 60,000 is significant. It shows your commitment to wealth creation.

Target Corpus Analysis:
The target of Rs. 2.5 crore depends on consistent returns. Market performance influences results.

Expected Returns:
Equity funds can give 10%-12% annualised returns in the long run. However, returns are not guaranteed.

Is Rs. 60,000 Sufficient?
Your current contribution may not be sufficient to reach Rs. 2.5 crore in 10 years.

For 10%-12% Returns:
You might accumulate Rs. 1.9–2.1 crore. There could be a shortfall of Rs. 40–60 lakh.

Solution:
Increase your SIP amount to Rs. 75,000–80,000 monthly for a better chance of achieving the goal.

Optimising Your SIP Contributions
Step-Up SIPs:
Increase your SIP amount by 5%-10% every year. This adjusts for inflation and higher earnings.

Lump Sum Boost:
If you have surplus funds, invest a lump sum. This accelerates your goal.

Diversify Investments:
Allocate across equity and hybrid funds for balanced growth and risk management.

Selecting the Right SIP Investments
Actively managed funds are suitable for your goals. Avoid index funds due to their limitations.

Equity Funds for Growth:
These funds have high growth potential over 10 years.

Diversified Portfolio:
Choose funds across large-cap, mid-cap, and multi-cap categories. This spreads risk effectively.

Hybrid Funds:
Hybrid funds provide stability by balancing equity and debt investments.

Avoiding Direct Funds
Investing through direct funds might seem cost-effective but has drawbacks.

Limited Guidance:
Direct funds lack professional advice. This could lead to suboptimal fund choices.

Benefits of Regular Plans:
A Certified Financial Planner ensures proper fund selection and portfolio review.

Managing Tax Implications
Understanding taxation helps optimise your returns.

Long-Term Gains:
LTCG above Rs. 1.25 lakh is taxed at 12.5%. Plan redemptions strategically.

Short-Term Gains:
STCG on equity is taxed at 20%. Avoid frequent withdrawals to minimise this tax.

Hybrid Funds Taxation:
Gains from hybrid funds are taxed as per your income slab.

Steps to Achieve Rs. 2.5 Crore
Increase SIP Amount:
Raise your SIP to Rs. 75,000–80,000 monthly.

Review Annually:
Monitor portfolio performance and adjust investments.

Use a Balanced Strategy:
Combine equity funds with hybrid funds to optimise risk and return.

Seek Professional Help:
Work with a Certified Financial Planner to refine your plan.

Final Insights
Your goal of Rs. 2.5 crore in 10 years is achievable with adjustments. Increase your SIP amount and maintain discipline. Diversify investments and periodically review the portfolio. A Certified Financial Planner can guide you for maximum efficiency and clarity.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
Money
Im a 34 year old, my father is planning on selling a property from which he would provide me with a gift of 1 Crore. At the moment , since my business has not launched, I would like to be earning interest from the Corpus amount and would also like to have a withdrawal of around 40-50K per month. Im very new to investing, and all i know is , getting half baked answers just isnt worth it. So im asking the experts, what is a realistic return that I could hope for? Provided its invested into mutual funds and debt funds. I would like to protect the corpus and make it grow while also trying to a withdrawal of 50-k per month.
Ans: Firstly, it's fantastic that you're approaching your investment decisions with a clear goal in mind. Receiving a gift of Rs 1 Crore from your father is a significant opportunity. Your desire to earn regular income while protecting and growing the principal corpus is a smart approach, especially given the current stage of your business. Let’s explore a realistic strategy for achieving your goal of monthly withdrawals while ensuring long-term growth.

Key Objectives
Preserve the Corpus: Ensuring the Rs 1 Crore grows steadily and does not erode.
Generate Monthly Income: Aiming for Rs 40,000–50,000 monthly withdrawals to meet your cash flow needs.
Balanced Risk: A mix of investments in mutual funds and debt funds to balance growth with security.
Types of Funds to Consider
To achieve your objectives, the portfolio needs to include a mix of debt and equity mutual funds. Here’s an overview of each option:

1. Debt Funds (Low-Risk)
Debt funds are ideal for stability. They typically offer steady returns with lower volatility. These funds invest in bonds, government securities, and corporate debt.

Stability: They offer relatively stable returns with low risk to the principal.
Monthly Income: Debt funds with monthly income plans (MIPs) can provide regular payouts.
Expected Returns: Historically, debt funds return 7-9% annually, depending on the type and tenure of the bonds they invest in.
2. Equity Mutual Funds (Moderate to High-Risk)
Equity funds invest in stocks and can offer higher returns, but with more volatility. Over the long term, they have the potential to outperform debt funds, though there can be short-term fluctuations.

Growth Potential: Equity funds are essential for capital appreciation.
Risk Profile: Equity mutual funds carry more risk but can provide higher long-term returns.
Expected Returns: Historically, equity funds can offer 10-15% returns per annum, depending on market conditions and fund management.
Expected Return and Withdrawal Strategy
Given your goal of withdrawing Rs 40,000–50,000 monthly (Rs 4.8–6 lakh annually), let’s assess a realistic return scenario:

1. Required Returns for Monthly Withdrawal
To generate Rs 4.8–6 lakh annually, you need to have a combination of income and growth.
Assumption: You need a mix of debt and equity funds. If you target an average return of 8-9% per annum from debt and equity, your portfolio should generate enough income.
2. Risk-Return Balance
Debt Funds: These funds will give stability and a guaranteed income, but at a lower return rate.
Equity Funds: These can help grow your corpus and offer a better chance of increasing the monthly withdrawal amount over time.
3. Potential Returns Based on Allocation
50% Debt Funds: Target return of 7-8% annually.
50% Equity Funds: Target return of 12-14% annually.
This balanced approach provides income and growth, helping you meet your withdrawal goal while maintaining long-term growth.

Portfolio Structure Suggestions
1. Debt Fund Allocation (50%)
Why Debt?: Debt funds offer lower risk and more predictable returns, making them suitable for generating a steady income.
Types of Debt Funds to Consider:
Corporate Bond Funds: These offer better returns than government bond funds, but at slightly higher risk.
Short-Term Debt Funds: These funds invest in short-term instruments and are less sensitive to interest rate changes.
Monthly Income Plans (MIPs): These funds are specifically designed to provide monthly payouts, offering an income stream.
2. Equity Fund Allocation (50%)
Why Equity?: Equity funds will provide higher returns and help your corpus grow over time. They are necessary for long-term wealth creation.
Types of Equity Funds to Consider:
Large-Cap Funds: These invest in well-established companies with a stable growth record.
Flexi-Cap Funds: These funds invest across all market caps, allowing flexibility to choose the best opportunities.
Hybrid Funds: A mix of debt and equity, hybrid funds are suitable for balancing risk and return.
Tax Considerations for Your Portfolio
Mutual fund investments are subject to taxes on the capital gains.

Equity Funds:
Long-Term Capital Gains (LTCG): If held for more than 1 year, LTCG above Rs 1.25 lakh is taxed at 12.5%.
Short-Term Capital Gains (STCG): If sold within 1 year, STCG is taxed at 15%.
Debt Funds:
LTCG: If held for more than 3 years, debt fund gains are taxed at 20% with indexation benefits.
STCG: If sold within 3 years, gains are taxed according to your income tax slab.
You should plan your withdrawals in a way that balances both income generation and tax efficiency.

Risk Management and Capital Preservation
Your focus on preserving the corpus is essential. While debt funds provide safety, equity funds add the potential for capital appreciation. To protect your capital:

Diversify Across Different Asset Classes: Ensure a mix of debt, equity, and hybrid funds.
Review Portfolio Regularly: Market conditions change, and it’s important to keep your portfolio aligned with your risk tolerance and financial goals.
Avoid Overconcentration: Don’t put all your funds into one type of asset. Spread your investments across sectors and instruments.
Steps to Implement Your Strategy
1. Choose Mutual Funds Through an MFD with CFP Credentials
Why?: Investing through a Certified Financial Planner (CFP) ensures your investments are aligned with your long-term goals and risk profile.
Avoid Direct Funds: While direct funds have lower expense ratios, you miss out on valuable advisory support. An MFD offers curated fund selection, tax advice, and regular portfolio reviews.
2. Start with a 50-50 Debt-Equity Split
Debt: Focus on short-term and MIPs for income generation.
Equity: Invest in large-cap or flexi-cap funds for long-term growth.
3. Monitor and Rebalance
Rebalance your portfolio annually based on market performance and changing needs.
Adjust debt and equity allocations depending on your withdrawal requirements and market conditions.
Final Insights
With Rs 1 Crore, you can generate enough income for your monthly withdrawals while allowing your money to grow. A balanced approach of 50% debt funds and 50% equity funds is a realistic strategy to achieve this. Your investment portfolio will ensure that you have both stability and growth, helping you meet your cash flow needs while protecting and growing your corpus.

It's crucial to engage with a Certified Financial Planner to tailor the investment strategy to your exact needs. Their expertise will help you make better decisions for both tax efficiency and long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7097 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
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Hello, I have FD of 50 lakh, PPF of 10.5 lakh 3.3 lakh in savings account, 4.2 lakh in NPS. 10 lakh in Mutual Fund. My take home salary is 1.6 lakh per month. I want to retire by 50 with a take home pension of 2.5 lakh per month. My present age is 30. Can you suggest me a plan? Is it possible?
Ans: You aim to retire by 50 with a monthly pension of Rs. 2.5 lakh. This is a highly ambitious target but achievable with proper planning and disciplined execution.

Let’s evaluate your current financial standing and suggest a structured plan.

Current Financial Overview
Fixed Deposits (FDs): Rs. 50 lakh (safe but low returns).
PPF: Rs. 10.5 lakh (good for tax-free growth).
Savings Account: Rs. 3.3 lakh (low returns).
NPS: Rs. 4.2 lakh (moderate returns and tax-efficient).
Mutual Funds: Rs. 10 lakh (diversified and growth-oriented).
Monthly Income: Rs. 1.6 lakh take-home salary.
This diversified portfolio shows financial discipline. However, adjustments are needed to align with your retirement goal.

Key Challenges
High Retirement Corpus Needed: To generate Rs. 2.5 lakh monthly, you’ll need around Rs. 8-10 crore.
Short Time Horizon: You have 20 years to build the required corpus.
Underutilised Assets: FDs and savings account funds could generate better returns elsewhere.
Inflation Impact: Your post-retirement expenses will rise due to inflation.
Recommendations for Your Retirement Plan
1. Increase Investment in Mutual Funds
Shift a portion of your FDs and savings to mutual funds.
Focus on diversified funds across large-cap, mid-cap, and small-cap categories.
Allocate to equity-heavy funds for better long-term returns.
2. Optimise PPF Contributions
Continue contributing to PPF yearly to maximise tax benefits.
Treat PPF as part of your debt allocation for retirement.
3. Maximise NPS Contributions
Increase NPS contributions to Rs. 50,000 yearly for tax benefits under Section 80CCD(1B).
Select aggressive equity options within NPS for higher growth.
4. Set Up Systematic Investment Plans (SIPs)
Start investing Rs. 50,000 monthly in SIPs across mutual funds.
Gradually increase SIP contributions by 5-10% annually.
Use equity funds for wealth accumulation.
5. Reallocate Fixed Deposits
Retain 10-20% of your FDs as an emergency fund.
Move the remaining funds to mutual funds and other growth-focused instruments.
6. Inflation-Proof Your Retirement
Assume a 6-7% annual inflation rate for your retirement planning.
Ensure your investments provide returns above inflation.
7. Tax-Efficiency Awareness
Use ELSS funds for tax savings under Section 80C.
Review capital gains taxation on mutual funds under new rules.
Keep tax-efficient options like PPF and NPS in your portfolio.
8. Track and Adjust Regularly
Review your portfolio every 6-12 months.
Rebalance funds based on performance and market conditions.
Consult a Certified Financial Planner for strategic adjustments.
Action Plan to Build Rs. 8-10 Crore Corpus
Short-Term Actions (Next 1-3 Years)
Start SIPs of Rs. 50,000 per month immediately.
Reallocate 30-40% of FDs to mutual funds.
Increase NPS contributions for better growth and tax benefits.
Mid-Term Actions (4-10 Years)
Gradually increase SIP amounts by 5-10% annually.
Reduce FD exposure further as your mutual fund corpus grows.
Invest any bonuses or surplus income into equity funds.
Long-Term Actions (11-20 Years)
Shift equity-heavy investments to balanced funds 5 years before retirement.
Plan for a Systematic Withdrawal Plan (SWP) to create a regular income.
Use PPF and NPS as fallback options for additional income.
Addressing Your Goal of Rs. 2.5 Lakh Monthly Pension
You will need Rs. 8-10 crore to generate Rs. 2.5 lakh monthly.
This can be achieved with disciplined investments and compounding returns.
Ensure your retirement plan includes both growth and stability.
Finally
Your financial goal is ambitious but achievable. Align your investments with a growth-focused approach. Start SIPs, optimise underutilised assets, and regularly review progress. Plan for inflation and taxes to secure a stress-free retirement.

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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