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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 03, 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 - Mar 04, 2024Hindi
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Relationship

My spouse has a very strange ailment..whenever he sees any new female he wants to have relation with her and if he manages then he continues for a yr or at the most half and then finds a new and forgets the old. He says he is not able to give up his this addiction and it's beyond his control. Does such ailment really exists. I feel he is a womeniser. We are separated for last 5 yrs as not able to accept such character. He cooperated to go for councelling n had several visual psychological tests done also. But suddenly he refused to follow up. Pls help as is he really suffering? How do I treat him???

Ans: Dear Anonymous,
I am not a medical expert here but I am sure there is no ailment that gives way to chronic female enchantment.
It's a nice habit and he is happily indulging in it leading to a compulsive act now. What does he mean when he says that he is not able to give up this addiction? Then let him know that he needs to go to a doctor who specializes in this kind of de-addiction programs.
Since you have both separated, is there a possibility of the two of you getting back together and that is why you are interested in curing this addiction? If YES, get back together ONLY if he shows positive signs of improvement after seeking professional help on this...if not, please do not yield; you will then have to deal with the same habit and yet again go through the same cycle of insecurity and disappointments. Evaluate all this carefully and then decide what to do...
If he wants to get treated, why did he stop with the counseling? It seems like he 'likes' what he is doing...obviously it gives him some kick...Be wise getting involved in this all over again!

All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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Relationship
Dear Anu, I would like to discuss about a problem in my married life with you. Me and my husband had a love marriage 21 years ago. Before our marriage also my husband had many relationships and affairs but since he was very true about everything and he promised to change things, we married. Though, our family was a happy one and we have two grown up kids also, everything seems OK from outside. But actually, my husband has had many affairs after our marriage also. He has never left his habit of impressing females around him, it may be his colleagues or some common friends etc.. and I always come across some or the other female in his life. Some of the affairs have been so serious that they even went ahead and spent days and nights together. Every time, I discover some affair, he admits his mistake and tells me to move on, but he never believes in correcting his mistakes and either continues with the affair or finds a new partner. I have lost all trust in him but since I am not earning and have two grown up kids and also love him a lot, can't think of separation. I have tried confronting him though but he gets angry always and blames me for spoiling our family life and not moving on. Also, would like to accept that he is very supportive in family matters, loves his family a lot, is very dedicated to his work and to his kids, he is very empathetic towards people, helps everyone but needs his own space too. I am completely confused about what should I do. I am unable to trust him for anything and we keep arguing over smallest things. Hope you will reply to me. Thanks.
Ans: Dear TT, I can only imagine what you must be going through.

Since you want to continue in the marriage, that choice is something I presume that has emerged after a lot of thought and I respect it.

The way this marriage will work is communicate clearly to him that his philandering ways have to stop as it is affecting you and the marriage.

If this doesn’t work, he seriously needs help in dealing with this…sometimes people don’t realise that they are jeopardizing their marriages.

I am not defending him but simply stating that sometimes people get themselves into a trap of not so useful situations and quite don’t know how to get out of it.

Also, what he might gain from so many extra marital relationships is something that he needs to find in other ways rather than swaying outside of the marriage.

This requires him to work with an expert as he will most likely not yield to your requests like in the past. Mere talking will not be enough; he possibly needs intensive therapy.

This will help him reunite with his family that he loves so much and he can be around completely without having to seek pleasure outside eroding the foundation of marriage.

As he seems to get better, it’s time for you to live your life as well, right?

What is it that you haven’t done in years? What is it that you gave up after marriage or after having kids?

What excites you enough for you to step up for yourself and create your own happiness? Simply DO THAT.

This will help you get back on your feet; who knows you might discover something that actually may end up becoming a money generator as well!

I wish you the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hello mam, I have come to know about you through an article I read online. I am mailing you regarding my problem. Please make it anonymous. I'm married for 10 years. I have a son who is 6 years old. After my delivery, my husband distanced me. Since then, we use to fight a lot. Both of us are abusive and there is no physical relation between us. I told the same to my parents, and they suggested that I adjust keeping in mind the society and asked me to try for a job to deviate my mind. Once I checked my husband phone and there was a history of homosexual p**n videos. When I asked him the same, he refused. There is no happiness and only fights. I have even made suicidal attempts and was admitted to the hospital for taking expired pills. I’m an old traditioned woman, unable to move out of marriage as I can’t handle being alone. At the same time, I am unable to understand my husband’s behaviour. He is saying he will be like that only, If you want you can stay or leave. He will not tell me anything about his family – when his father passed away due to covid, he left home without telling me. I knew about it from other relatives.
Ans:

Dear GV,

Thank you for reading my content. Hope it helps.

I can only imagine the trap that you are in. So, why are you choosing to be trapped even further?

  • Do you see any scope in your husband changing?
  • Do you know anything about his sexual orientation?
  • Do you feel that the two of you can rebuild your marriage?

If the answer to the above is NO, then time to break out of your so-called traditional mindset.

Do you really want to live in this set-up and have your son grow up unstable?

I am sure that as a mother you do want to provide him with a stable and loving environment.

Then, you need to think differently about your old beliefs and see if they are worth holding onto.

The older generation might have held onto marriages even if they were abusive. But things have changed.

Even if you are not financially independent, there are venues to change that. You only need to change the way you think.

Check with yourself if continuing this way is going to give you anything great in return or is it going to steal your spirit away.

The choice is yours but do know that you have a son to take care of as well.

Start by gaining a good circle of supporters that includes your parents and close friends who can help you through this massive change to enable you take charge of your life.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2023

Asked by Anonymous - Feb 08, 2023Hindi
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Relationship
i had a love marriage 20 years back. we were in a relationship for 3years before that. but after marriage i realised the harsh reality. though we are in the same field, he prefers that i do all the househld work. we have two children 17 and 12 years old. he has also started neglecting his health. after work his only work is to sit on sofa , watch tv. he has gained a lot of weight, has started eating pan masala which i dislike. we also had no sex for the last four years. when confronted he always says that he is in no mood. last year i came in contact with his friend and once we had sex too. but the sad part is i dont really feel guilty about it. i have tried many times to talk to my husband about our sex life but he always ignores and put the blame on me that i have started growing old. however hard i try he is not able to have a erection, this frustrates me even more. he is very dominating at home too. what should i do ? everytime i try to think to move out of that marriage but am afraid of the society. since he is very caring in front of others. am worried about the kids too. please help what should i do? there is no use of talking to him, i have tried it many times. he is not ready to go to any councellor too.
Ans: It sounds like you are facing some serious challenges in your marriage and that you are feeling frustrated, unhappy, and trapped. It's important to remember that you are not alone and that many people find themselves in similar situations.

Here are some steps you can consider taking:

Seek support: Talk to a trusted friend or family member about your situation. Consider reaching out to a therapist or counselor who can provide you with support and guidance.

Take care of yourself: Make time for self-care and engage in activities that bring you joy and peace. This can help you manage stress and cope with the challenges you're facing.

Consider couples therapy: Even if your husband is not willing to attend therapy, consider seeking therapy for yourself. A therapist can help you understand your feelings and emotions and provide you with strategies for coping with the situation.

Be honest with yourself: It's important to be honest with yourself about your feelings and needs. If you are unhappy in your marriage and feel that it's unlikely to improve, it's okay to consider leaving the relationship.

Make a plan: If you decide that leaving the marriage is the best option, make a plan for how you will do so in a safe and practical manner. Consider the impact on your children and plan for their care and well-being.

Seek legal advice: If you decide to leave the marriage, consider seeking legal advice to understand your rights and responsibilities.

Remember, leaving a long-term relationship is a big decision and can be a difficult process. It's important to take the time to consider your options and seek support from trusted friends, family members, and professionals.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 16, 2023

Asked by Anonymous - Jul 08, 2023Hindi
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Relationship
Hi Anu, I'm 53 years and have been married for the past 27 years. I have a 25 year daughter. I am well educated (MBA) and my husband has just barely passed his BA. My husband used to be very short tempered and shout at me for every other thing since the beginning of our marriage. Also he used to do the same to our daughter. He also has a thing for women other than me/daughter...He loves staring at servants especially when they bend down, or while travelling in a train he likes watching girls/ladies climbing on the upper berth, or peeping into an autorickshaw to check out the lady inside. He also loves helping out ladies, (like their saviour) and will go to any extent even late at night to help them out (like carrying a sick colleague to the doctor, or finding a PG for a female person). He has even gone on tour with his lady colleague and called her home for office work when I and my daughter were at our native. Also he has given rides to female colleagues on the back of his scooter. He loves chatting up receptionists (be it at the doctor's or any other office) and joking with them. He is also obsessive with the personal problems of his brothers/their wives and their kids...giving them far more importance over and above us. Especially since the past 2 years when he lost his job due to corona pandemic, he has time now and will call them day in and day out trying to solve their problems and has also prayed ceaselessly for them, asked various astrologers for parihara for their problems etc. He is not at all worried about his own family facing a breakdown and no income. He is trying to start a cool-drink business with his partner but that is getting delayed because of the rainy season. I had visited a psychiatrist many years ago and he said I shouldn't take it so personally since this happens all the time where men and women interact in office and we can't prevent it. But I believe he is excessive in his interest in the opp sex, and he also treats me in a demeaning/derogatory manner...like trying to dominate over me and suppress me through the tone of his voice and shouting and trying to be one up. I have borne all this for 27 years for my daughter's sake and now that she is independent, I would like to separate from him for my own mental and physical health. My nature is mild and I do not like confrontations so I just end up crying. I am also not strong emotionally. I am already on anxiety and BP medication, and also get palpitations when I get upset. Please advise me Anu, on should I proceed with this separation. Marital counselling is ruled out since he will never attend it thinking that he is all perfect and I am the one having problems. My daughter is coming next week and she will support me fully in whatever decision I take. Thank you so much for your time and patience.
Ans: Dear Anonymous,
I can only imagine your state of mind with what you are going through.
It may sound very heartless as I suggest this; but it's time you gave him an ULTIMATUM. Either he mends his ways OR have a meaningful relationship towards you and the family.
Ultimatums usually force a person to a spot and make them think...there are various reasons why he must be seeking all this validation from women outside but let's not get into it as your question to me is clear; whether to separate or not!
Like all clients that I work with, this is a decision that I tell them is theirs and theirs alone. And to reach a decision either way, is what I handhold which is what I am about to tell you here.

Indications that a relationship has become stale and unworthy and unhealthy:
1. Your health has begun to suffer
2. You obsess more over how to keep sanity in the relationship rather than focus on anything else
3. Fights/arguments are the only talking point between the two of you
4. Both your goals within a marriage have grown widely different
5. What each of you want is bigger than what you want for each other

These should tell you that you are in a very unhealthy relationship. Of course, the best way is to reconcile all these differences and rebuild trust and love; but only if both the partners are willing. The question is: Do you want to rebuild this marriage and does your husband want that as well? The ultimatum given to him; will he yield to it? This will tell you exactly what to do. Once you know, discuss with your daughter and take a firm decision and stick by it.

All the best and always know: We are stronger than we think we are!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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1 Mahindra Manu life midcap fund-Dirct plan- 5 lac onetime investment 2.quant value added fund- 3 lac 3.quant infrastructure fund- 2 lac Alk are onetime investment , recommendations expedited
Ans: It's great to see your proactive approach to investing! Let's delve into your investment choices:

Let's adjust your investment strategy to mitigate risks and enhance potential returns:

Mahindra Manulife Midcap Fund - Direct Plan: With a one-time investment of 5 lakhs, this fund offers exposure to mid-cap stocks, which carry higher volatility but also potential for growth over the long term. However, consider diversifying into a diversified equity fund to spread risk across various sectors and market caps.
Quant Value Added Fund: Allocating 3 lakhs to this fund reflects a focus on value investing principles, which can be rewarding but also involves risks. Diversifying into a diversified equity fund can provide a broader exposure to quality stocks and reduce concentration risk.
Quant Infrastructure Fund: While investing 2 lakhs in an infrastructure fund may seem appealing due to growth prospects, it's essential to acknowledge the inherent risks associated with thematic funds. These funds are more susceptible to sector-specific risks and economic cycles. Consider reallocating this amount to a diversified equity fund for better risk management.
Moreover, instead of investing directly, consider investing in regular plans through a Mutual Fund Distributor (MFD). Here's why:

By investing through a Regular Plan, you can access professional advice and guidance from an experienced Mutual Fund Distributor.
MFDs can help you navigate through the complexities of the market, select suitable funds based on your risk profile, and monitor your investments regularly.
Regular plans often offer additional services, such as portfolio reviews, financial planning, and timely updates on market trends and fund performance.
Investing through an MFD ensures that you receive ongoing support and assistance, helping you make informed decisions and stay on track towards your financial goals.

Overall, by diversifying your investments and leveraging the expertise of a Mutual Fund Distributor, you can enhance the effectiveness of your investment strategy and optimize your chances of long-term success.

...Read more

Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Money
Sir, I am 59 years old, will retire in January 2025, I want to make SWP of Rs.30 lakh so that I can get Rs 20K monthly pension. Which fund I will select and how to invest ?
Ans: As you approach retirement, it's essential to plan for a steady income stream to support your lifestyle. Here's how you can achieve your goal of setting up a Systematic Withdrawal Plan (SWP) to generate Rs. 20,000 monthly pension from a Rs. 30 lakh corpus:

• Given your age and the need for stable income, consider investing in debt mutual funds or conservative hybrid funds.
• These funds typically invest in fixed-income securities like bonds and offer regular income through dividends or SWPs.

• Look for funds with a track record of consistent returns and a focus on capital preservation.
• Conservative debt funds or monthly income plans (MIPs) may be suitable options for generating steady income while minimizing risk.

• Calculate the SWP amount needed to generate Rs. 20,000 monthly pension from your Rs. 30 lakh corpus.
• Consider factors such as expected returns, withdrawal frequency, and fund expenses when determining the SWP amount.

• It's crucial to review your investment portfolio regularly and adjust your SWP amount as needed based on market conditions and your financial goals.
• Consult with a Certified Financial Planner to help you select the appropriate mutual fund and set up the SWP to meet your retirement income needs.

• Ensure you have a contingency fund set aside for emergencies to cover unexpected expenses during retirement.
• Additionally, consider diversifying your retirement income sources, such as annuities or senior citizen savings schemes, for added financial security.

By carefully selecting the right mutual fund and setting up a disciplined SWP strategy, you can create a reliable income stream to support your retirement lifestyle. Stay focused on your financial goals and consult with a financial advisor for personalized guidance tailored to your needs. Best wishes for a happy and fulfilling retirement!

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Hello sir, I want to invest 15,000 per month for long term upto 20 to 25 year so please suggest me how should I invest ?my monthly income is 80k my current debt is home loan for which pay around 40k per month
Ans: With a long-term investment horizon and a desire to grow your wealth, you're on the right track. Here's how you can invest your 15,000 per month:

• Given your long investment horizon of 20 to 25 years, consider allocating a portion of your investment to equity mutual funds.
• Equity funds have historically offered higher returns over the long term compared to other asset classes.

• Aim to diversify your investments across different types of equity funds, such as large-cap, mid-cap, and small-cap funds.
• This diversification helps spread risk and maximize potential returns.

• Start with systematic investment plans (SIPs) in equity mutual funds, investing a fixed amount every month.
• SIPs offer the advantage of rupee cost averaging, where you buy more units when prices are low and fewer units when prices are high, averaging out your cost over time.

• Since you already have a home loan, ensure you have an emergency fund set aside for unexpected expenses.
• Aim to gradually increase your SIP amount as your income grows and your financial situation improves.

• Regularly review your investment portfolio and make adjustments as needed based on your financial goals and market conditions.
• Consider consulting with a Certified Financial Planner to help you create a personalized investment plan tailored to your needs and objectives.

By investing systematically in equity mutual funds for the long term, you can potentially build significant wealth over time. Stay disciplined with your investments and remain focused on your financial goals. With patience and persistence, you can achieve financial success and secure a bright future for yourself and your family.

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Money
Hi sir I am a housewife ans have small amount of savings Please suggest best mutual fund
Ans: It's great to see you taking an interest in mutual funds as a means to grow your savings. Let's explore some options:

• Consider starting with a balanced fund, which offers a mix of equity and debt investments.
• These funds provide a balance between growth potential and stability, making them suitable for conservative investors like yourself.

• Look for mutual funds with a track record of consistent performance and a seasoned fund manager.
• Research different funds and assess factors like expense ratios, investment philosophy, and historical returns.

• Opt for funds that align with your investment objectives and risk tolerance.
• If you have a longer investment horizon and are willing to take on more risk for potentially higher returns, you may consider equity funds.

• Conversely, if you prefer lower risk and more stability, debt funds may be a better fit for you.
• They invest in fixed-income securities like bonds and offer regular interest income.

• Keep in mind that past performance is not indicative of future results, so focus on the fund's investment strategy and manager expertise.
• Additionally, consider consulting with a Certified Financial Planner to help you select the best mutual fund based on your financial goals and circumstances.

• Remember to diversify your investments across different mutual funds to spread risk and maximize returns.
• Regularly review your investment portfolio and make adjustments as needed to stay on track towards your financial goals.

By choosing mutual funds that suit your risk profile and investment objectives, you can set yourself on the path to achieving your financial aspirations. Keep learning and stay committed to your investment journey. You're taking a positive step towards securing your financial future!

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Money
Sir I m 34 years old i m investing 15k in 4k in small cap,4k in midcap,and 7 k icicimid cap funds 'i hav around 10laks in fd and 5lakh in gold bonds and lic around 17k monthly i need to invest for my daughters studies and marriage and my retirement can u tell me how to diversify my investment.
Ans: it's commendable that you're thinking ahead and planning for your financial future as well as your daughter's. Let's explore how to diversify your investments to achieve your goals:

• Firstly, your investments in small-cap, mid-cap, and ICICI mid-cap funds offer growth potential over the long term.
• These equity funds can help build wealth for your daughter's education and marriage, as well as your retirement.

• Consider diversifying into other asset classes like debt instruments and real estate investment trusts (REITs).
• Debt instruments such as fixed deposits and bonds provide stability and regular income, while REITs offer exposure to the real estate market.

• Since you already have substantial investments in FDs and gold bonds, ensure they align with your overall investment strategy.
• Review their performance and consider rebalancing or reallocating funds if necessary.

• Explore investment options specifically tailored for your daughter's education and marriage, such as education-focused mutual funds or targeted savings plans.
• These instruments offer tax benefits and provide a dedicated corpus for her future needs.

• For your retirement planning, consider contributing to retirement-focused instruments like the National Pension Scheme (NPS) or voluntary provident fund (VPF).
• These investments offer tax benefits and provide a steady income stream during retirement.

• Consult with a Certified Financial Planner to create a customized investment plan based on your financial goals, risk tolerance, and time horizon.
• They can help you identify the right mix of investments to achieve your objectives while optimizing returns and minimizing risk.

• Remember to regularly review and adjust your investment portfolio as your financial situation and goals evolve.
• Stay disciplined with your savings and investments, and keep focused on building a secure financial future for yourself and your family.

By diversifying your investments across different asset classes and aligning them with your specific financial goals, you can create a well-rounded investment portfolio that supports your long-term objectives. Keep up the good work!

...Read more

Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Money
Hello Sir , I have 40 lakhs lump sum with me. where as I invested 20 lakhs in mutual fund..Plz suggest me where i can invest remaining 20 lakh amount for monthly income as well future retirement planning purpose also. please guide me.
Ans: It's great to see your proactive approach to financial planning. Let's explore some options for investing your remaining 20 lakhs:

• Firstly, kudos on investing 20 lakhs in mutual funds. They offer growth potential and can play a vital role in your investment portfolio.

• For generating monthly income, consider fixed income options like bonds, fixed deposits, or debt mutual funds.
• These investments provide regular interest or dividends, offering a steady stream of income for your needs.

• To ensure future retirement planning, consider a combination of growth and income-generating investments.
• Equity mutual funds can provide long-term growth potential, while balanced funds offer a mix of equity and debt for stability.

• Additionally, explore retirement-focused investment vehicles like National Pension Scheme (NPS) or Pension Plans offered by insurance companies.
• These instruments offer tax benefits and provide a corpus for retirement income.

• Remember to diversify your investments across asset classes to mitigate risk and maximize returns.
• Consult with a Certified Financial Planner to tailor an investment strategy aligned with your financial goals and risk tolerance.

• Keep in mind that investing is a journey, and it's essential to review and adjust your portfolio regularly.
• Stay focused on your long-term financial objectives, and don't hesitate to seek professional advice when needed.

• With careful planning and disciplined investing, you can build a robust investment portfolio that supports your financial goals.
• Congratulations on taking this important step towards securing your financial future! Keep up the good work!

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Myself and my spouse are working and have 2 kids 9 & 10 years. We are in our early 40 and acquired corpus of 3 cr. Max of corpus 2.3 crore is in EPF , PPF , Sukanya for both children and rest in NPS (75 % equity) and mutual fund. We have recently increased Mutual fund investment after our home loan finished and doing SIP in large and mid cap index funds. As we have more in debt investment due to EPF and PPF investment, is it wise to increase MF at this age. We are investing 6 laks PA in PPf and Sukanya account and are confused whether to reduce this amount and contribute more to MF. We have saving capacity of 15 lakhs per annum after our mandatory 12 % EPF contribution.
Ans: It's wonderful to hear about your diligent financial planning and the substantial corpus you've built for your family's future. Let's delve into your situation and offer some guidance:

• Firstly, kudos to you for prioritizing savings for your children's education and future through EPF, PPF, and Sukanya accounts. These investments provide a solid foundation for their financial security.

• Given your age and stage in life, it's essential to strike a balance between debt and equity investments. While debt instruments like EPF and PPF offer stability, equity investments through mutual funds and NPS provide growth potential.

• Review your investment portfolio periodically to ensure it aligns with your financial goals, risk tolerance, and investment horizon. Consider consulting with a Certified Financial Planner to assess your asset allocation strategy.

• With a saving capacity of 15 lakhs per annum, you have the flexibility to adjust your investment contributions. Evaluate whether reducing PPF and Sukanya contributions and increasing mutual fund SIPs is appropriate based on your financial objectives.

• Mutual funds offer the potential for higher returns over the long term, especially in equity-oriented funds. However, it's crucial to consider your risk appetite and investment horizon before making any changes.

• Diversification is key to managing risk in your investment portfolio. Ensure you have exposure to a mix of asset classes, including equities, debt, and possibly other alternative investments, to mitigate risk and optimize returns.

• Lastly, remember that financial planning is a journey, and it's okay to seek professional guidance when needed. A Certified Financial Planner can provide personalized advice tailored to your specific circumstances and help you make informed decisions.

• Keep up the excellent work with your savings and investments, and stay focused on your long-term financial goals. With careful planning and prudent decision-making, you're well-positioned to achieve financial success and provide a secure future for your family.

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Hi. I want to know what type of returns can I expect from Mutual Funds over a period of 10 years. what is success ratio of mutual funds
Ans: Mutual funds can offer a range of returns over a 10-year period, depending on various factors such as the type of fund, market conditions, and investment strategy. Here's what you can generally expect:

• Equity Mutual Funds: Historically, equity mutual funds have provided higher returns compared to other asset classes over the long term. While returns can vary significantly from year to year, on average, you may expect annualized returns of around 10-12% over a 10-year period.

• Debt Mutual Funds: Debt mutual funds typically offer more stable returns compared to equity funds, albeit at lower rates. Depending on the prevailing interest rate environment and credit quality of the underlying securities, you might expect annualized returns of around 6-8% over a 10-year horizon.

• Hybrid Mutual Funds: Hybrid or balanced funds invest in a mix of equities and debt instruments, offering a balanced approach to risk and return. As a result, their returns may fall somewhere between equity and debt funds, with annualized returns of around 8-10% over 10 years.

Regarding the success ratio of mutual funds, it's essential to understand that past performance is not indicative of future results. While mutual funds aim to generate positive returns for investors, not all funds may succeed in doing so consistently. Success ratio can vary based on factors such as fund manager expertise, investment strategy, market conditions, and fund management fees.

Investors should conduct thorough research, consider their investment objectives and risk tolerance, and diversify their investments across different funds to mitigate risk. Additionally, consulting with a Certified Financial Planner or investment advisor can provide valuable insights and guidance tailored to your individual financial goals and circumstances.

Overall, while mutual funds offer the potential for attractive returns over the long term, it's essential to approach investing with a realistic outlook, diversify your portfolio, and stay invested for the duration to maximize your chances of success.

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Ramalingam

Ramalingam Kalirajan  |1478 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Dear Sir, I am a 66 years old ex serviceman, fairly healthy and agile person, drawing a pension of Rs.32K pm and a business income of about 75k pm I have a debt of 25 laks and a Residential site of 50 lakhs worth. Want to clear my debts and build a moderate house. Totally confused. Please advise.
Ans: It's understandable to feel overwhelmed with financial decisions, but with careful planning, you can navigate your situation effectively. Here's some guidance:

• Start by assessing your financial situation comprehensively. List all your assets, income sources, debts, and expenses.
• Prioritize clearing your debts to achieve financial stability. Allocate a portion of your income towards debt repayment each month.

• Consider selling your residential site to clear a significant portion of your debt. This can reduce your financial burden and provide funds for building a moderate house.

• Consult with a financial advisor or real estate expert to evaluate the best course of action regarding your residential site. They can help you determine its market value and advise on selling or retaining it.

• Explore options for financing your house construction. Since you have a stable pension and business income, you may qualify for a home loan or construction loan. Compare interest rates and terms from different lenders to find the most suitable option.

• Create a budget for your house construction project, taking into account material costs, labor expenses, and any additional fees or permits required. Factor in potential contingencies to avoid budget overruns.

• Consider downsizing your living expenses where possible to free up more funds for debt repayment and house construction. Look for ways to reduce discretionary spending and focus on essentials.

• Lastly, don't hesitate to seek advice from trusted friends, family members, or professionals who can offer insights and support during this process.

Remember, taking proactive steps towards managing your finances can lead to greater financial security and peace of mind. Stay focused on your goals, and don't hesitate to seek help when needed. You're capable of overcoming this challenge and achieving your objectives.

...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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