My wife blames me for everything, how can I save my marriage?

Ans: Kalyan Jewellers' stock prices have been declining due to a combination of factors. Here are some key reasons:

Allegations of Misconduct: There have been social media allegations suggesting misconduct involving fund managers at Motilal Oswal Asset Management Company (AMC) in relation to Kalyan Jewellers' shares. These allegations have created uncertainty and negatively impacted investor sentiment.

Promoter Share Pledges: Promoters Ramesh Trikkur Kalyanaraman and Seetharam Trikkur Kalyanaraman have increased their pledged holdings. Pledging shares is a common practice to secure loans, but it can also lead to selling pressure if margin requirements are not met.

Ans: Stock with Expensive Valuations with just 5% of margins in business this company will not go anywhere. for 4-5yrs it will be in the range of 35 to 75.

Ans: Normal Tax Savings, like :
(a). U/S 80-C (Rs.1,50,000.00 (NSC, Children Education, Tax Saver FDRs, MFs (Equity based), LIC).
(b). U/S 80-D, Medical Insurance maximum amount for Senior Citizens (Rs.50,000.00).
(c). U/S 80-CCD NPS (Rs.50,000.00).
(d). U/S 80-TTA Interest Income maximum for Senior Citizens (Rs.50,000.00), Otherwise Rs.10,000.00.
(e). U/S 80-E Education Loan Interest Paid, if applicable to you.
(f). U/S 24-B, You can enjoy deduction if you are paying EMI of Housing Loan (Maximum Limit Rs.2,00,000.00).
Hope this info will serve your purpose.
Most welcome for any further clarifications. Thanks.

Ans: Dear Anonymous,
Second or subsequent marriages come with their own set of challenges; one being accepting the other person's reality from their past which is children.
Yes, you are right that it is never easy to accept and raise another person's child BUT hey it's also possible, right? Why go behind what's not possible and actually think what can be possible; especially because you seem to want this new marriage to work. Then make it work. Once you accept things for what is, you will figure out a way to manage your work and also your newer responsibilities. Life does not move exactly the way you want or wish, but if you focus on the good side of it, a lot of things that bother you become easier to handle. Actually, start to get excited about your new phase of life BUT if you are going into the marriage with conditions, it may get challenging. It's not fair to want one child and not want another. It disturbs their equilibrium and what they share with their father.

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

Ans: For MBA in India from reputed colleges he has to write CAT and XAT. If he wants to go to Australia, it depends on the college he wants to join. Identify the college and see what exam they accept for admission. Some of them just require IELTS or TOEFL. Others may require GMAT or GRE based on the course you are interested in.

Ans: Dear Anonymous,
How exactly do you expect a special child to cope in a boarding school? I am sure that is something that has crossed your mind.
My questions for you:
Does it bother you that this man does not accept your life as is? If Yes, read on...
Does it bother you that you are the one who is making changes to accommodate this person? If Yes, read on...
Would you have liked it if he willingly had accepted your life as is? If Yes, read on...

Think about this a lot before you make a decision to be with him. There's a lot to think as a parent and he isn't one and may never get the point of how your life is. Take you time before you decide anything...

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

Ans: Dear Anonymous,
Isn't this a question that you should be asking your boyfriend/partner? The challenge is from his side of the family, right? So, what does he have to say about it.
Being tense and frustrated does not solve anything...how is he planning on working with parents on this? Does he have a plan in place for this? You possibly need to talk to him and together plan on how to guide his parents to like you; someday! Work together as a team on this and you will be surprised at what results it may bring.

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

Ans: Hello;

Yes this is the right time for her to buy term insurance cover.

However she may opt for a 1 Cr cover to begin with and increase the coverage at different life stages such as marriage, house purchase, family extension etc.

She may choose such a plan from reputed life insurer with good claim settlement record and high capital adequacy.

She may consult an insurance advisor for any help in this regard.

Best wishes;
X; @mars_invest

Ans: At 32, starting with Rs. 5,000 monthly SIP is a good first step. Building wealth requires a structured approach to saving and investing. Here's a step-by-step guide to help you achieve financial stability and growth.

Assessing Your Current Situation
You have no financial backing, so an emergency fund is critical.

Your monthly SIP indicates discipline in investing.

Prioritising goals and systematic planning will strengthen your finances.

Step 1: Establish an Emergency Fund
Save at least 6 months' worth of monthly expenses in a liquid fund or savings account.

Allocate a fixed portion of your income every month for this purpose.

Emergency funds should be easily accessible but not used for routine expenses.

Step 2: Manage Expenses Effectively
Create a monthly budget to track income and expenses.

Identify unnecessary expenses and redirect the savings towards investments.

Follow the 50-30-20 rule:

50% for necessities (rent, food, bills).
30% for discretionary spending (entertainment, hobbies).
20% for savings and investments.
Step 3: Continue and Enhance SIP Contributions
Your Rs. 5,000 SIP in equity mutual funds is a good start.

Gradually increase the SIP amount as your income grows.

Choose funds based on your risk tolerance and investment horizon.

Step 4: Diversify Your Investments
Equity Mutual Funds

Continue investing in actively managed funds for long-term growth.
Focus on funds with consistent performance over 5-10 years.
Debt Funds or Fixed Deposits

Allocate a portion to safer instruments for stability.
These options can balance risk in your portfolio.
PPF (Public Provident Fund)

Open a PPF account for tax-saving benefits and long-term compounding.
Invest a fixed amount annually to build a secure retirement corpus.
Gold for Wealth Protection

Allocate a small percentage (5-10%) to gold (SGB or gold mutual funds).
Gold acts as a hedge against inflation.
Step 5: Focus on Insurance and Risk Coverage
Purchase a term insurance policy with adequate coverage (10-15 times your annual income).

Ensure you have comprehensive health insurance to cover medical emergencies.

Avoid investment-cum-insurance policies as they deliver low returns.

Step 6: Plan for Long-Term Goals
Define specific financial goals like buying a house, retirement, or children's education.

Assign timelines and cost estimates to each goal.

Invest in equity for long-term goals (10+ years) and debt for short-term goals (1-3 years).

Step 7: Tax-Saving Investments
Use Section 80C instruments like ELSS, PPF, or NPS to save taxes.

ELSS funds provide equity exposure with tax benefits under Section 80C.

Avoid locking excessive funds in low-return tax-saving options.

Step 8: Automate Savings and Investments
Set up auto-debit for SIPs and savings to maintain consistency.

Automating investments reduces the temptation to spend unnecessarily.

Step 9: Regular Monitoring and Review
Review your portfolio every 6 months to track performance.

Rebalance your portfolio to maintain the right asset allocation.

Avoid frequent fund switching, as it may impact long-term returns.

Final Insights
Starting with limited resources can feel challenging but is achievable with discipline. Build an emergency fund, manage expenses wisely, and grow your investments systematically. Consult a Certified Financial Planner to optimise your portfolio and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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