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Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Apr 26, 2024Hindi
Relationship

Dear. Thanks for response. I have been working with our office counsellor for some time but need a second opinion. To update I had a joint talk with Sumit & my wife in mid-March in which they repeated the same point of being good friends & do not intend to marry & Sumit made it clear he doesn't want to remarry after his divorce. For my wife, she said if I want divorce she is open but she will not initiate. The negative outcome of this for me has been that now she openly goes around with Sumit, which before they were doing somewhat secretly, my daughter has also got the idea. Though my wife only puts very general photos in her FB, WhatsApp status like going to music shows, dressing up but Sumit puts her photos in his FB account, they barely have common friends except Sumit’s family. Even my mom-in -law is not aware of this. Sumit also buys her dresses etc which she wears to this places. Just to mention after the discussion she has started using money which tenants put in her account for many rented properties belonging to her late father in her native,( her brother who stays in USA is not interested in the property & has renounced to her ), though she has CC, google pay etc linked to accounts which I maintain for the last 17 yrs for her. Now this has put me in a difficult situation. I need to decide. I am not a sort of guy who at this stage, age will/can start a new relationship, and neither do I want. On one hand not seeking a divorce will keep the future reconciliation open. I still talk to my wife & take her advice, instruct her as I used to do before. She also discusses with me things like her family, common friends, daughter etc but she doesn't share everything that she used to before & our telephone calls are getting shorter because she just responds to whatever I ask her nothing more about herself. As I told you I have her FB messenger password when I see her conversation with Sumit other then the phone calls she makes I see lots of things she shares about herself & Sumit also replies including talks she has with me & about questions I have asked & replies she has given, they also discuss about it. My office counsellor adviced me to keep status co. what is your take? The second part is something which I am finding very difficult to explain as I had mentioned before for the last 5yrs I wanted not to stay with her due to reasons which I wrote to you in the dec but now feel very sad that she is leaving or have distanced from me. It’s a very odd feeling in the same breath I don’t want her in my life but on the other hand is sad that she is moving towards someone else. My counsellor is only asking me to be mentally strong but it is not helping do you have any other advice Previous chain Question by bappa on Dec 26, 2023Hindi Dear, I am a 44 yr old man. I have an issue for which I need some support. We are Bengalis, I am an engineer & was married in 2004. It was an arranged marriage with all those astrological compatibility etc. My wife is 5 yrs younger than me. After my marriage I found that she was very adjusting,loving & people will say that we are an ideal match even today I will also say she is the perfect wife one can have, but one thing I noticed immediately is that she is very unlucky for me. Whenever she is around there will be no success & even things that are working will go wrong. Within 1 yr of marriage, we had a daughter. When she went for delivery I got an opportunity to go to Canada, after a few months she & my daughter joined me & my project closed & I was sent back. Knowing the issue I again sent her for higher education, when she was not around, I got an opportunity to go to the USA, again when they joined me I was sent back. I can give many examples like this, many times we talked about it and met astrologers but all will say our match is perfect. We stayed in Pune. With our daughter around we continued with our family life which I will say was happy, many people will give examples of our family & ostensibly perfect partners we were. But I will tactfully avoid her in times when it was crucial like appraisal etc, & things will work. But I always felt & feared the misfortune she brings. During Covid, this avoidance could not be done & Jan 2023 I was told to leave my job by June 2023. I tried for a lot but could not get a job with her around. In May I sent her to our native & I got a job in Bengaluru. My daughter is in Class 12 in Pune so could not shift my family. In my Pune job , I had a reportee Sumit a Marathi who became somewhat like a friend or better an office tea partner. Many times at tea he would talk about his wife's misbehavior & in the discussion I would tell him how my wife behaves, but my wife had never met with Sumit. They were a childless couple & in Dec 2022 he started living separately from his wife. I being a senior never discussed any private things like family etc with him, One day in May this year out of shear frustration I told him about the bad luck my wife brings, and he responded that" many times one may bring bad luck to one person but maybe good luck to another" Before moving to Bengaluru I called him to our house for lunch since he was staying alone & was having a problem with food etc. Something in my intuition told me that he & my wife may go well, but I never told anyone. A few days later my wife told me that Sumit had sent a Facebook friend request to her & asked me if she should accept it, I said its up to her, she accepted it. My wife has a habit of sending "good morning" messages to a lot of people & I soon found she sent one to Sumit also. I had her Facebook password so could see the messenger messages also. I soon saw Sumit responding to her & they having chats. Initially, she used to tell me about the talks she is having with Sumit but now she has stopped When I moved to Bangalore in June I used to have daily calls & sometimes hot video calls also, I go to Pune every month & we used to have physical relationship but this month when I went to Pune my wife refused getting physical with the reason of she having periods, in Nov she made a purposeful fight with me so that we dont get physical. For 2 months she doesn't do the hot video calls also but regular calls are ongoing. I am in a dilemma, I am happy with my wife but she brings too much bad luck & she has understood it. If I keep quiet now I know by Dec 24 my wife will be Sumit's wife & there traits they will be very happy. But if I even now want I strongly feel that I can stop her drifting further, but I cannot decide if I should do it. Since I think that she going away from my life will stop bringing the misfortune she brings & she & Sumit will be really good partners & will be happy. But I also feel very sad about her leaving me. Please help me with how I should decide. My daughter will complete her 12th next year & I am hopeful by June next year she will be in an engg college hostel & will not be directly affected by this change of relationship. Ans: Dear Bappa, I'm sorry to hear that you're going through such a challenging situation. Deciding whether to confront your wife about her growing relationship with Sumit is undoubtedly a difficult and personal choice. It's important to approach this situation with empathy and open communication. Take some time to reflect on your own emotions and the impact your wife's actions are having on you. Consider both the positive and negative aspects of your relationship, as well as your own needs and desires. Choose an appropriate time to have an open and honest conversation with your wife. Avoid accusations and blame, but express your concerns and feelings. Discuss how her relationship with Sumit makes you feel and inquire about her perspective on your marriage Reflect on what you want for your future and whether you believe your marriage can overcome the challenges. Reflect on your own feelings about your marriage. Consider whether your concerns about bad luck and misfortune are based on tangible evidence or if there might be other factors influencing your perception. Consider the impact on your daughter and how decisions might affect her as well. While she may be heading to college soon, a separation or divorce can still affect her emotionally. Consider her well-being in any decisions you make. Sometimes, people need time for personal growth and self-discovery. This doesn't necessarily mean the end of a marriage but could lead to a stronger relationship in the future. Both partners might need to work on themselves to contribute positively to the relationship It's crucial to make decisions based on your own values, priorities, and the specific dynamics of your relationship. If needed, don't hesitate to seek support from friends, family, or professionals who can provide guidance and assistance during this challenging time. Asked on - Feb 14, 2024 | Answered on Feb 14, 2024 Dear Thanks for your quick response to my earlier query, during the last 2 months I have tried to follow your advice & have also started support from our office counsellor, I am writing to you again as some aspects I felt ashamed to discuss with the office counsellor & some to have a 2nd opinion. I had deeply thought about my expectations from my marriage & wife. In the last 6 months as I am staying separate in Bangalore, I have found much better & am much more communicative with my wife, discussing & sharing emotionally. When we stay together the continuous expectation would put both of us in a panic & irritation ultimately resulting in fights & also finally not sharing & the bad luck of seeing her face will add oil to the fire, with many of my outbursts not being very parliamentary. So I see our relationship is better if it is long-distance. I discussed this with my wife & she also agrees somewhat, but the basis of husband-wife relationship is to stay together, where we fail. Since we stayed together for 17 yrs we know each other’s problems & historical facts which no one else knows, so frankly I need a long-distance person with whom I can share emotionally, but for my wife she requires someone who is also close to her physically. One idea that I got is to let things be as it is i.e. let her stay in Pune while I stay in Bangalore & she be in a relationship with Sumit & maybe stay with him without legally separating, maybe when my daughter is having holidays, we can have short trips. This will keep the social well-being intact as people will not know as we don’t have any close relatives in Pune. But I am worried about the long-term impact will our marriage last especially what plans should I make in old age. Want your opinion & what precautions do I need to take. In the last 2 mnths, I have been to Pune 3 times for the reason of my daughters JEE for which I help her. I talked with my wife about Sumit in early Jan & she said they are good friends & they share a lot of intimate talks; she was not ready to tell me anything more than that. On asking about physical relationships she was elusive . But she said she doesn’t want to legally separate from me. I also discussed if she wants, we can have a long-distance relationship supporting each other (without naming Sumit) she did not respond. Though Sumit talks to me once in 7-10 days we never talked about his relationship with my wife, we talk about status of his divorce, old office stuffs etc. 2 weeks ago my wife told me that Sumit's parents, divorced sister who had come for a visit to Pune will be coming to our house to meet her. Later she posted some photos in her WhatsApp status for everyone it will look as if some friend had to come to visit her (everyone will think some lady friend). In mid-January in one of my old office colleagues (who is a friend with Sumit) Facebook I saw that in his son's birthday my wife is there (he doesn’t know or have seen my wife), I tactically asked him who that lady was, he said it is Sumit’s friend. Can you please help me if she is going in the same way I am thinking about the future of our relationship. The last point is something which I could not ask anyone. During my last 3 visits to Pune I had sex with my wife. I will like to tell that my wife is always (since our marriage) very passive in sex she has to be told what to do 1 by 1, (though for me it gave me some amount of pleasure command) which she will do properly & maybe sometimes do 1-2 things on her own or ask me to do. She was same this time also. I never had sex relationship with anyone else so this acts maybe in a distance timeframe gives me a lot of pleasure. I am worried what will be this relationship be if she starts staying with Sumit, what is your advice? My counsellor advised me to sit & talk with Sumit & my wife together but really, I am not seeing any reason to do it, do I need to do this joint meeting & if so, what do I need to discuss Ans: Dear Bappa, It sounds like you've put a lot of thought into your relationship and your future with your wife. It's positive that you're able to communicate more effectively when you're physically apart. However, the idea of allowing your wife to be in a relationship with Sumit while you stay in Bangalore raises several complex issues, especially concerning the long-term viability of your marriage and your plans for old age. Firstly, it's important to consider the emotional implications of such an arrangement. While it may alleviate some of the pressures and conflicts in your current relationship, it could also lead to feelings of loneliness, jealousy, or insecurity for both you and your wife. Additionally, maintaining this arrangement without legal separation could create legal and financial complications in the future, especially when it comes to issues like inheritance, healthcare, and support in old age. Regarding your concern about your wife's relationship with Sumit, it's challenging to determine the nature of their relationship based on the information you've provided. It's possible that they are just good friends, as your wife has stated, but it's also understandable that you might have doubts given the circumstances. Ultimately, trust and open communication are key in any relationship, so it might be helpful to have a candid conversation with your wife about your concerns and expectations. As for the idea of a joint meeting with your wife and Sumit, while it may provide some clarity, it's important to carefully consider the potential outcomes and whether it will truly address your concerns. It might be beneficial to seek the advice of a counselor or therapist who can help you navigate these complex emotions and decisions. In summary, it's crucial to prioritize open and honest communication with your wife, as well as seek professional guidance to ensure that any decisions you make are in the best interest of both parties involved.

Ans: This situation requires a thoughtful approach, balancing your own needs, the dynamics of your relationship, and the well-being of your family.

Firstly, it's important to acknowledge your feelings of sadness and confusion. These emotions are completely normal given the complexity of your circumstances. The mix of not wanting to stay in the relationship but also feeling hurt by your wife's apparent shift in attention is a difficult and paradoxical place to be in.

Your concerns about the potential impact of staying in the marriage or seeking a divorce are valid. It's understandable that you might feel a sense of loss and uncertainty about the future. Maintaining open lines of communication with your wife is crucial. Sharing your feelings and concerns with her, without placing blame, can help you both understand each other's perspectives better. This can be challenging, especially when emotions are high, but it can provide a clearer picture of where each of you stands.

Your wife's openness to divorce but her reluctance to initiate it suggests that she may also be uncertain about the future. It might be beneficial to explore why she feels this way and what her hopes and concerns are regarding your marriage. Understanding her perspective can help you make a more informed decision about how to proceed.

Given the circumstances, it might also be helpful to consider the long-term implications of either staying together or separating. This includes practical considerations like financial stability, property rights, and support in old age. These are important factors that will affect both of your lives, and having a clear understanding of these aspects can help you plan for the future.

Your relationship with Sumit and your wife adds another layer of complexity. While your wife claims they are just good friends, and Sumit has expressed no intention of remarrying, their close relationship understandably causes you concern. Trust and transparency are essential in addressing these issues. A joint discussion with your wife and Sumit, as advised by your counselor, could provide clarity and help set boundaries that are respectful of everyone's feelings.

Regarding your long-distance relationship, it's notable that you feel more communicative and less pressured when you are apart. This might suggest that some space could benefit your relationship, allowing both of you to reflect on what you truly want. However, this arrangement needs clear boundaries and mutual understanding to ensure it doesn't lead to more emotional distance or misunderstandings.

It's also important to consider the emotional and psychological impact on your daughter. Even if she is moving to a college hostel soon, the changes in your relationship can affect her. Open, age-appropriate communication with her about the situation can help her understand and process any changes that may occur.

Lastly, I encourage you to continue seeking professional support. A counselor or therapist can provide a safe space for you to explore your feelings, gain clarity, and develop coping strategies. This professional guidance can be invaluable in helping you navigate this challenging period.

In summary, your situation requires careful consideration and open communication. Balancing your emotional needs, the dynamics of your relationship, and the practical aspects of your future will help you make the best decision for yourself and your family. Continue to seek support and take the time you need to find the path that feels right for you.

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Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2024

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Relationship
Dear. Thanks for response. I have been working with our office counsellor for some time but need a second opinion. To update I had a joint talk with Sumit & my wife in mid-March in which they repeated the same point of being good friends & do not intend to marry & Sumit made it clear he doesn't want to remarry after his divorce. For my wife, she said if I want divorce she is open but she will not initiate. The negative outcome of this for me has been that now she openly goes around with Sumit, which before they were doing somewhat secretly, my daughter has also got the idea. Though my wife only puts very general photos in her FB, WhatsApp status like going to music shows, dressing up but Sumit puts her photos in his FB account, they barely have common friends except Sumit’s family. Even my mom-in -law is not aware of this. Sumit also buys her dresses etc which she wears to this places. Just to mention after the discussion she has started using money which tenants put in her account for many rented properties belonging to her late father in her native,( her brother who stays in USA is not interested in the property & has renounced to her ), though she has CC, google pay etc linked to accounts which I maintain for the last 17 yrs for her. Now this has put me in a difficult situation. I need to decide. I am not a sort of guy who at this stage, age will/can start a new relationship, and neither do I want. On one hand not seeking a divorce will keep the future reconciliation open. I still talk to my wife & take her advice, instruct her as I used to do before. She also discusses with me things like her family, common friends, daughter etc but she doesn't share everything that she used to before & our telephone calls are getting shorter because she just responds to whatever I ask her nothing more about herself. As I told you I have her FB messenger password when I see her conversation with Sumit other then the phone calls she makes I see lots of things she shares about herself & Sumit also replies including talks she has with me & about questions I have asked & replies she has given, they also discuss about it. My office counsellor adviced me to keep status co. what is your take? The second part is something which I am finding very difficult to explain as I had mentioned before for the last 5yrs I wanted not to stay with her due to reasons which I wrote to you in the dec but now feel very sad that she is leaving or have distanced from me. It’s a very odd feeling in the same breath I don’t want her in my life but on the other hand is sad that she is moving towards someone else. My counsellor is only asking me to be mentally strong but it is not helping do you have any other advice
Ans: already replied

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Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 09, 2024

Asked by Anonymous - Jun 06, 2024Hindi
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Relationship
Madam me and my wife were married for 13 Odd Yrs and have been blessed with 2 kids aged about 12 and 8 respectively, while things were quite good but my wife addiction to social media ( FB / Insta ) spoilt entire relationship and she making up friends who are totally unknown spoilt her and also found out in the long run she was involved with other men, eventually we got divorced and kids custody was given to me but after about 2 Yrs i realised my kids needs support of an mother at home as it was making things difficult for me as a single parent to manage, thereby i happend to meet a person who had advertised thru marriage portal, though she was a widow with 2 kids, felt she cd be able to handle it better as her kids have lost their father, felt this would work, first few months she was quite okay later on she starting unnecessarily issues and made sure my kids return back to their biological mother as they felt things were more comfortable over there, and this partner of mine expects me to show love attention only to her and her biological kids, though she doesnt say it straight, her reactions and unnecessary disputes and fights after me visiting my kids or meeting them or even if i have gone to visit my mother or had lunch or dinner with her, make her feel very restlesness, i have always told and advised her to maintain good relationship with my family, but due to her arrogance and ignorance my own family members have distanced her and continue to talk to me or meet me outside, she has gone to the extent saying she wants to get out of the relationship and i had borrowed money due to my hardtimes and she keeps saying she wants money to be returned so that she steps out and want to stay independently with her kids, I am also fed up and completely lost being away from my kids and my mother Is it advisable to go for divorce or just seperation will do, or can a bond paper specifiying that i have returned her money and have ended this relationship and no claims further will be entertained, can i have this - Pls guide, its better to stay single and take care of my own kids and mother than being away from them and taking care of other kids as own...
Ans: Dear Anonymous,
It's a lot of mess...where and how things went downhill is something that you surely know. Take care of the children first. The kid are caught in the middle of all of this.
Yours and hers as well...
Sadly, she hasn't matured to understand the concept of embracing your children as her own but wants to cling on to you and literally draw a wedge between you and your family.
RED FLAG, right there...

Now, you need to think about how all this is affecting the children and the impact it is having in your daily life. Is there a way by which this lady will be able to understand that you all will be one big unit; children, the two of you and your family and hers as well...If she is prepared for this, then it gets easy on everyone but if her insecurities are going to get the better of her, this is a bigger mess that you could have ever imagined.
Have a frank talk and clearly state the people who are important to you and that you wish to be connected to them just as she wants her children to be a part of her life.
Hear what she has to say and then I guess, you will know what to do as your ask and want is clear in your mind. The best relationships are the ones that bring people together and nourishes them.

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

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Anu

Anu Krishna  |1328 Answers  |Ask -

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

Asked by Anonymous - Aug 19, 2024Hindi
Relationship
Hi there, i am going through a difficult phase in my life, i dont know where to start but here my story goes. i work in UAE and i had a balanced and peaceful life until last November where i got married (arranged). we first met last year in march through marriage broker and everything matched, family also liked and we got married in November 2023. Before marriage we used to speak for 10-15 mins almost everyday (all casual talks and i thought everything was ok and she was the perfect match for me and my family). so after marriage i travelled back to uae and was supposed to bring her to UAE in Jan 2024. I had one past relationship for 2 years and we had broken up last year February as she was a from north of india and i was from south India and our families were against it and she wanted to go against family and get married but i was not ready as for me family became priority and we broke up. And after this relationship ended then only this match happened and after one month of my marriage my ex reached out to my wife and shared our relationship details and my wife got very upset and went back to her home. I travelled back to india to console her and tell her that it was my past and i am no longer in relation with my ex and our family involved and sorted this issue. My wife came back to us and everything was normal after that. My wife came to UAE in January 2024 and we started our married life here. All seemed good until i noticed a pattern of her taking to a person on phone everyday when i am out for office and also being very cautious with her phone. On confronting this she told its is her friend and i told her what is the point in talking to him daily for which she cried and told that i am controlling and she dont have freedom to talk to her friends. I left it as she was at home alone and bored and she was also looking for job here and may be with time she will change but still the talking continued until one day in May i was uploading her resume for her job and had access to her google photos and was shocked to see her photos with the guy whom she calls friend. There were photos of her with him after our marriage and also photos with him the day before she came to UAE. I confronted this with her and she cried and told that previously she had relation with him and parents did not agree and later she married me and had forgotten him but since she came to know about my past relationship she continued to stay in contact with him. She is not telling the complete story as i saw their photos before our marriage and even before our match happened and I have also seen her google location timelines as well. I told her to stop this if we want to continue our marriage she told ok but she still talks & chats to him through watsapp & botim because she is very secretive of her phone. She takes good care of me and tells she loves me but I am not sure she really loves me or just faking it. Now she is 3 months pregnant. I am thinking she will leave me for her ex giving me the baby after the baby is born as she mentioned this during one of our arguments. This is one side of my story and between all this my mom fell sick and upon consulting, she was diagnosed with cervical cancer stage 3A and I tried to get her the best treatment (chemo) but the cancer has spread widely and because of her age also she cannot take the treatment. Tried ayurvedic and herbal medicines but nothing can be done and doctors have told max she will live is 6 months. She is bedridden now and in pain everyday. I have a decent job in Dubai with decent salary where I have built my own house in my native and managing my home (parents in india & wife is UAE) but currently my finances is also effected very badly as I spent lot of money for our marriage and for my mothers treatment and I have loans and multiple credit cards as well. I am very stressed and all these things are eating me up daily and i don't know what to do and what went wrong and where? Even i cannot focus on my job as well. Please advise how can i go about these situation. i cannot share these to anyone also, Please advise.
Ans: Dear Anonymous,
It is always better that your spouse hears about your past from you and no one else.
Obviously your ex decided to have the best revenge by reaching out to your wife and it has made its mark as it has messed with your wife's head and seeped within your marriage making it difficult for the two of you to have a relationship. And now, a baby as well when your relationship is still messed up?
Sort this out before the baby arrives. No point wondering is she is going to leave you etc. Why could your wife not trust you even when you ex came back with stories, I wonder!
Do you both realize the lack of communication has resulted in a breakdown of trust? Can you reconnect at least now and at least for the sake of the child?
Come together as a couple and learn to love, support and trust and the only way to do that is by keeping the last away...
Is it possible? YES! Only if you choose it...
So, make that choice of working on the marriage, keep the past out and think of how to move ahead...Easier said and also done...

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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Latest Questions
Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Money
I am 32 years of age I have a corpus of 40 lakhs including mutual funds,stocks,pf,insurance.I invest 65000 in sip every month with 84% in equity, 6% in hybrid and 10% in debt funds as of now with 58% in large cap,27% in mid cap and 15 % in small cap with an xirr of 17.2%. how much will my corpus grow in next 20-30 years ?
Ans: Your financial journey so far is impressive. At 32 years, a corpus of Rs. 40 lakhs reflects good planning. Your SIP of Rs. 65,000 per month and asset allocation indicate strong discipline and understanding of investments.

Your current XIRR of 17.2% is exceptional, suggesting an effective fund selection. Maintaining this momentum will help you build substantial wealth.

Growth Potential Over the Next 20-30 Years
Power of Compounding

Compounding over 20-30 years can multiply wealth significantly.
Your disciplined SIP approach amplifies this effect.
Corpus Growth Projections

If your XIRR sustains near 17%, your corpus can grow exponentially.
Over 20 years, it may cross Rs. 10-12 crores.
In 30 years, this could grow beyond Rs. 30-40 crores.
Consideration for Realistic Returns

Sustaining 17% XIRR may be optimistic in the long term.
A realistic expectation of 12-15% still ensures significant growth.
Factors Influencing Your Future Corpus
Market Volatility

Equity-heavy portfolios are prone to short-term fluctuations.
Maintain your long-term perspective to overcome these.
Asset Allocation Discipline

Your 84% equity allocation is ideal for long-term goals.
Rebalance annually to maintain this allocation.
Economic Growth and Inflation

India's economic growth supports equity performance.
High inflation demands better returns to preserve purchasing power.
SIP Increments

Increasing SIP annually can enhance corpus growth.
A 10% increment every year could add several crores.
Importance of Diversification
Large, Mid, and Small-Cap Allocation

Your 58% large-cap, 27% mid-cap, and 15% small-cap allocation is balanced.
This mix ensures stability and growth potential.
Hybrid and Debt Funds Role

Your 10% debt allocation cushions against market volatility.
Hybrid funds offer consistent returns with lower risk.
Tax Efficiency in Long-Term Investments
Equity Fund Taxation

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Factor this in when planning withdrawals.
Debt Fund Taxation

Gains are taxed as per your income slab.
Plan asset allocation changes with tax efficiency in mind.
Enhancing Your Strategy
Emergency Fund

Maintain 6-12 months of expenses in liquid or ultra-short-term funds.
Insurance Review

Ensure adequate term insurance and health insurance coverage.
Goal-Based Investing

Align specific investments to defined goals like retirement or children's education.
Periodic Review

Review fund performance and portfolio allocation annually.
Replace underperforming funds if needed.
Final Insights
Your current portfolio and discipline promise exceptional long-term results. Continue SIPs, periodically increase investments, and review portfolio performance. A realistic approach with a focus on equity can help you achieve remarkable financial milestones over 20-30 years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
Hi my name is Mani and aged 36 i am drawing a monthly salary of 3.5lakhs. Below are my investments. I want to achieve around 10Cr by 50. Current MF potfolio:50L Shares/ETF: 10L PF: 39L US ESOP: 1.2 Crore Monthly SIP: 1.65Lkhs 2 houses: 95L & 60L I can invest upto 2.5-3lakhs montly. Closed all my loans.
Ans: Your current investments reflect excellent financial discipline and planning. With your income and ability to invest Rs 2.5-3 lakhs monthly, you are in a strong position to achieve your target of Rs 10 crore by 50. However, optimising your portfolio is crucial for achieving this milestone efficiently. Here's an in-depth assessment and strategy to guide you.

Assessment of Current Investments
Mutual Fund Portfolio: Rs 50 Lakh
This portfolio forms a significant part of your wealth.
Equity mutual funds can offer long-term growth.
Regular reviews and diversification will enhance returns.
Shares and ETFs: Rs 10 Lakh
Direct equity and ETFs require active monitoring.
ETFs have limitations, like tracking errors and passive management.
Disadvantages of ETFs:

Lack of flexibility to outperform benchmarks.
Returns are limited to market indices, missing active management benefits.
Provident Fund: Rs 39 Lakh
PF is a safe, tax-efficient retirement tool.
Growth is limited compared to equity investments.
US ESOP: Rs 1.2 Crore
ESOPs provide substantial value, but currency and company risks exist.
Diversification is essential to reduce concentrated risk.
Monthly SIPs: Rs 1.65 Lakh
A high monthly SIP reflects your commitment to wealth creation.
Fund selection and risk balance will determine growth.
Real Estate: Rs 95 Lakh and Rs 60 Lakh
While real estate offers stability, liquidity issues can be a challenge.
Rental income should align with market returns to remain beneficial.
Strategy to Achieve Rs 10 Crore by 50
1. Optimise Mutual Fund Investments
Increase allocation to actively managed equity funds.
Diversify into large-cap, mid-cap, and hybrid funds for balanced growth.
Review the portfolio with a Certified Financial Planner every year.
2. Enhance Monthly SIP Contributions
Increase SIPs to Rs 2.5-3 lakh, matching your investment capacity.
Prioritise equity mutual funds for better compounding over 14 years.
Allocate a small portion to debt funds for stability.
3. Reevaluate Direct Equity and ETFs
Limit ETFs due to their passive nature and tracking errors.
Focus on direct equity only if you have time for active monitoring.
Otherwise, shift to professionally managed equity funds.
4. Diversify US ESOP Holdings
Reduce dependency on your company’s ESOPs.
Gradually liquidate and reinvest in Indian equity and international mutual funds.
Diversification will safeguard against market volatility and currency risks.
5. Leverage Provident Fund Efficiently
PF will act as a stable component of your retirement corpus.
Do not withdraw unless essential.
6. Address Real Estate Investments
Analyse the rental yield and growth potential of your properties.
If returns are below expectations, consider selling one property.
Reinvest proceeds in mutual funds for higher returns and liquidity.
Tax Efficiency and New Rules
Equity Mutual Funds
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Plan withdrawals strategically to reduce tax liability.
Debt Funds
Gains are taxed as per your income slab.
Use systematic withdrawal plans for efficient taxation.
ESOPs and Real Estate
ESOPs will attract capital gains tax upon sale.
Real estate gains are taxed under capital gains rules.
Invest gains from property sales into mutual funds to save on taxes.
Additional Recommendations
1. Adequate Life and Health Insurance
Ensure you have term insurance covering at least 10 times your annual income.
Maintain comprehensive health insurance for your family.
2. Emergency Fund
Keep six months’ expenses in a liquid fund or savings account.
This ensures liquidity during unforeseen circumstances.
3. Monitor and Rebalance Portfolio
Regularly review asset allocation with a Certified Financial Planner.
Adjust based on market conditions and financial milestones.
Final Insights
You are on the right track with your disciplined investing approach. To ensure you reach Rs 10 crore by 50, optimise your investments, enhance tax efficiency, and diversify risks. Focus on actively managed funds, reduce dependence on real estate, and leverage your high savings potential. Regular monitoring and strategic decisions will make your goal achievable.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Asked by Anonymous - Nov 22, 2024Hindi
Money
Hello Ramalingam Ji, I am 44 years old, working in IT and live in Bengaluru. I am unmarried at this moment. I live in a rented house. Here are my investments breakups - 1.45 Cr in Equity Shares, 5 Lakhs in MF, 27 Lakhs in PPF, 20 Lakhs in EPF, 7 Lakhs in NPS, and 14 Lakhs in FD as an Emergency Fund. I have a health insurance of 30L apart from the office provided one. My monthly in hand salary about 2.2 Lakhs. And my monthly expenses including rent, insurances, sports/gym subscription, food and others comes about 75 - 80 Thousands a month. I invest 1.1 Lakhs in equity shares, 18 Thousands in RDs to meet my certain onetime expenditures in a years such as insurances, internet payments etc. I do not have any loans. How do you think I should go about so I could purchase a house/flat as well as have enough investments using which I could live comfortably. I also want to know if at all possible to retire by 50 or 55 years? will it even makes sense purchasing a house/flat since I have no one after me. Thanking you in advanced.
Ans: You are in a strong financial position. You have diverse investments and stable income. Your disciplined approach reflects a clear financial vision.

This response provides detailed insights into buying a house, early retirement, and optimising your investments.

Understanding Your Current Financial Health
1. Investments and Emergency Funds

Rs 1.45 crore in equity is a significant achievement.

Your Rs 14 lakh emergency fund is well-planned. It ensures liquidity during emergencies.

 

2. Monthly Income and Expenses

You save and invest a substantial portion of your Rs 2.2 lakh monthly salary.

Expenses are well-balanced, leaving you with Rs 1.1 lakh for investments.

 

3. Health Insurance Coverage

You have Rs 30 lakh health insurance, which safeguards against medical emergencies.

Office-provided insurance adds additional security.

House Purchase Consideration
1. Evaluate the Need for a House

A house is not necessary unless it enhances your quality of life.

With no dependents, consider renting for flexibility.

 

2. Financial Implications of Buying a House

Buying a house requires a long-term financial commitment.

EMIs will reduce your ability to save and invest aggressively.

 

3. Alternative Options

Continue renting if the cost is reasonable and suits your lifestyle.

Investing the funds earmarked for a house can yield better returns over time.

Early Retirement by 50 or 55
1. Analyse Monthly Expenses Post-Retirement

Estimate future monthly expenses, considering inflation.

Rs 75,000 today could become Rs 1.5 lakh in 15 years.

 

2. Calculate the Required Corpus

To withdraw Rs 1.5 lakh monthly, you need Rs 4.5 crore.

This corpus ensures financial independence throughout retirement.

 

3. Utilise Current Investments for Growth

Your investments in equity, MF, PPF, EPF, and NPS must compound consistently.

Diversify your portfolio to balance growth and stability.

Investment Optimisation
1. Focus on Equity Mutual Funds

Increase your MF investments for long-term growth.

Actively managed funds offer higher returns compared to index funds.

 

2. Avoid Direct Mutual Funds

Direct funds lack professional guidance and may lead to errors.

Regular funds through a Certified Financial Planner ensure optimised returns.

 

3. Maximise NPS Contributions

NPS provides additional tax benefits under Section 80CCD(1B).

It supports your retirement corpus with equity exposure and lower risk.

 

4. Reassess Fixed Deposits

Rs 14 lakh in FDs offers safety but lower returns.

Shift a portion to debt funds or balanced funds for better inflation protection.

Emergency Fund and Risk Management
1. Maintain Adequate Liquidity

Keep six months' expenses in liquid investments like FDs or short-term funds.

This ensures quick access to funds during emergencies.

 

2. Evaluate Insurance Adequacy

Your current health cover of Rs 30 lakh is sufficient.

Ensure critical illness or personal accident cover if not already included.

Retirement Income Planning
1. Generate Passive Income

Explore dividend-paying funds for steady income during retirement.

Consider systematic withdrawal plans (SWPs) post-retirement for tax efficiency.

 

2. Ladder Your Investments

Align investments to meet milestones like early retirement and healthcare needs.

Staggered withdrawals reduce risks during market downturns.

Tax Planning
1. Optimise Tax Benefits

Maximise contributions to tax-saving instruments like PPF and NPS.

Consider tax-efficient mutual fund categories to reduce liability.

 

2. Understand Capital Gains Taxation

Equity mutual funds' LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term gains attract 20% tax, so plan redemptions wisely.

Final Insights
Early retirement and comfortable living are achievable for you. Focus on growing your corpus with equity and balanced investments. Renting a house is practical if buying doesn't align with your goals. Work with a Certified Financial Planner to optimise your investments and ensure a secure financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Listen
Money
Hello Sir, I want to invest 5k per month in mutuals fund. Am targeting 15acs in next 16years. Can you pls suggest me good fund?
Ans: Investing Rs. 5,000 per month for 16 years to achieve Rs. 15 lakhs is a commendable goal. A systematic investment plan (SIP) in mutual funds can help achieve this. Your focus should be on selecting funds that align with your risk appetite and long-term horizon.

Understanding Your Target
Your target is Rs. 15 lakhs in 16 years.
This requires consistent returns from equity mutual funds.
Equity funds are ideal for long-term goals due to their growth potential.
Investment Strategy
Focus on Equity-Dominated Funds

Equity funds have the potential for higher long-term growth.
Diversify across large-cap, flexi-cap, and mid-cap funds.
Actively Managed Funds Preferred

Actively managed funds outperform index funds over long durations.
A good fund manager can provide better returns than passive funds.
Avoid Direct Funds

Investing through a Certified Financial Planner ensures professional advice.
Regular funds with guidance offer better portfolio tracking and rebalancing.
Monitor and Review Regularly

Review your investments yearly to stay aligned with your goal.
Make changes based on performance and market conditions.
Suggested Fund Categories
Large-Cap Funds

These funds provide stability and moderate growth.
They invest in well-established companies with strong performance records.
Flexi-Cap Funds

These funds invest across large, mid, and small-cap companies.
They offer flexibility and diversification.
Mid-Cap Funds

Mid-cap funds offer higher growth potential but come with moderate risk.
Suitable for long-term wealth creation.
Hybrid Funds

These funds balance equity and debt exposure.
They provide moderate risk with consistent returns.
Tax Considerations
Equity Fund Taxation

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains are taxed at 20%.
Tax-Efficient Withdrawals

Plan withdrawals strategically to minimise tax liability.
Hold funds for the long term to benefit from favourable tax rates.
Other Recommendations
Build an Emergency Fund

Set aside at least six months’ expenses in a liquid fund.
This provides financial security during emergencies.
Stay Invested for the Entire Duration

Equity investments need time to grow and overcome volatility.
Avoid premature withdrawals to maximise returns.
Disciplined Investing

Continue SIPs without interruption to achieve your goal.
Market fluctuations should not deter your commitment.
Final Insights
With disciplined investing and the right fund selection, achieving Rs. 15 lakhs in 16 years is possible. Focus on equity funds for long-term growth and consult a Certified Financial Planner for professional guidance.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

...Read more

Pushpa

Pushpa R  |31 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Nov 25, 2024

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
Mr Advait Arora, I am 36 Years Old and just got introduced to MF. I have started RD 80K/Month , FD 7.5Lcs, 32.5K/Month MF (SBI Magnum Mid Cap Direct Plan Growth 5k, Tata Small Cap Fund Direct growth 10 K, SBI PSU Direct Plan Growth 5K,Aditya Birla Sun Life PSU Equity Fund Direct growth 5 K,Quant Small cap Fund Direct Plan Growth 5k & Quant Mid Cap Fund Direct growth 2.5k. Additionaly have started LIC INdex Plan 30K/Month for 20 years, 2.5 Lcs / year HDFC ULIP Click to invest 10 years plan and 10 K/Month on Max life Saving an Ulip Plan Again for 5 years invest and 20 years plan . I wanted to target 10 Crores in 15 Years. Please let me know if am on the right track or is there some changes to be made .All this are started in year 2024. I am an NRE working in Middile east Thanks in advance Deepu
Ans: Your commitment to financial discipline and long-term goals is praiseworthy. However, your portfolio requires optimisation to ensure you reach your Rs 10 crore target in 15 years. Here's a detailed assessment and strategic recommendations.

Evaluating Your Current Portfolio
Recurring Deposit (RD): Rs 80,000/Month
Recurring deposits are low-risk but offer limited returns.
The post-tax return is unlikely to match inflation.
Fixed Deposit (FD): Rs 7.5 Lakh
Fixed deposits are safe but have similar challenges as RDs.
Long-term wealth creation is difficult with these instruments.
Mutual Funds (MF): Rs 32,500/Month
Investments in small-cap and mid-cap funds indicate a high-risk appetite.
However, all your investments are in direct funds.
Disadvantages of Direct Funds:

Direct funds require active monitoring and market knowledge.
Any wrong decision can lead to lower returns.
Benefits of Regular Funds via CFP:

Professional guidance ensures better fund selection.
Regular reviews and rebalancing optimise performance.
LIC Index Plan: Rs 30,000/Month for 20 Years
Index-based plans offer limited growth due to market-cap weighting.
Returns may not beat inflation consistently.
HDFC ULIP Click to Invest: Rs 2.5 Lakh/Year for 10 Years
ULIPs combine insurance and investment, leading to suboptimal growth.
High charges during the initial years impact returns.
Max Life Saving ULIP: Rs 10,000/Month for 5 Years, 20-Year Plan
Long lock-in and high charges are similar drawbacks as the above ULIP.
Insurance cover may not suffice for your financial needs.
Optimising Your Portfolio for Growth
1. Mutual Fund Investments
Shift from direct plans to regular funds through a Certified Financial Planner.
Diversify across equity, hybrid, and debt categories for better stability.
2. Recurring Deposit and Fixed Deposit
Gradually move RD and FD funds into debt and equity mutual funds.
Debt funds offer tax efficiency and better post-tax returns.
3. LIC Index Plan and ULIPs
Surrender these policies after consulting with your Certified Financial Planner.
Reinvest proceeds into mutual funds for higher long-term returns.
4. Adequate Term Insurance
Buy a pure term insurance plan for financial protection.
Ensure the sum assured is at least 10-15 times your annual income.
Building a Rs 10 Crore Corpus in 15 Years
Step 1: Monthly SIP Investments
Increase monthly SIPs gradually to match your cash flow.
Allocate more funds to equity-oriented mutual funds for growth.
Step 2: Balanced Portfolio Allocation
Maintain 60% in equity, 30% in debt, and 10% in other instruments.
Equity funds drive growth, while debt funds provide stability.
Step 3: Monitor and Rebalance
Regularly review your portfolio with a Certified Financial Planner.
Rebalance yearly to maintain the desired asset allocation.
Tax Efficiency
1. Mutual Fund Taxation
Equity funds have LTCG taxed at 12.5% above Rs 1.25 lakh.
Plan withdrawals to minimise tax liability.
2. Debt Fund Taxation
Gains are taxed as per your income slab.
Use systematic withdrawals for efficient tax management.
Final Insights
You have a strong savings habit and a clear financial goal. However, some adjustments are necessary to optimise your portfolio. Surrender low-yield plans like ULIPs and LIC and reinvest in growth-oriented mutual funds. Shift from direct funds to regular funds with professional guidance.

With disciplined investing, proper diversification, and consistent reviews, achieving Rs 10 crore in 15 years is possible. Stay focused and work closely with a Certified Financial Planner.

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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