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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2024

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Asked by Anonymous - Feb 09, 2024Hindi
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Relationship

My wife takes spiritual practices very seriously and she thinks that sex will deteriorate the quality of her spiritual practices. She thinks sex and spirituality can't go together. I am always interested for sex. Any suggestion for both of us?

Ans: Balancing differing views on spirituality and intimacy can be challenging, but it's essential to approach the situation with open communication and understanding. Here are some suggestions that may help both of you find common ground:

Open Communication:

Have an open and honest conversation about each other's perspectives and beliefs regarding spirituality and intimacy.
Share your feelings, desires, and concerns without judgment. Make an effort to understand each other's viewpoints.

Educate Yourselves:

Read and learn together about different perspectives on spirituality and sexuality. Sometimes, gaining a broader understanding can help bridge the gap between differing beliefs.

Seek Flexibility

Explore ways to find a middle ground that respects both of your values. This might involve finding a balance between spiritual practices and physical intimacy that feels comfortable for both of you.

Involve a Professional:

Consider seeking the guidance of a relationship counselor or a sex therapist. They can provide a neutral and professional perspective to help navigate these conversations and find solutions that work for both of you.

Redefine Spiritual Practices:

Encourage your wife to explore spiritual practices that embrace physical intimacy as part of a holistic approach to spirituality. Some belief systems see sexual connection within a committed relationship as a sacred and spiritual act.

Set Mutual Goals:

Discuss your individual and shared goals within the relationship. Find common ground and align your aspirations, ensuring that both spiritual and intimate aspects are considered.

Respect Boundaries:

Acknowledge and respect each other's boundaries. If your wife feels uncomfortable with certain aspects, try to find alternatives that are agreeable to both of you.
Remember, the key is mutual understanding and respect. By openly discussing your feelings, educating yourselves, and seeking compromise, you can work together to find a harmonious balance that honors both your spiritual and intimate needs. If necessary, involving a professional can provide additional guidance and support.

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Anu Krishna  |1318 Answers  |Ask -

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Asked by Anonymous - Feb 20, 2024Hindi
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Relationship
Hi. I am a 52 year old male, my wife is 53 and we have two grown up kids and a pet. I was in a job till 2018 and thereafter switched to my own practice and there were some financial compromises which had to be made including home shifting etc. My wife befriended certain females who I suspect led her towards a lot of spiritual gyaan though those females were more into their personal material life. My wife became so involved with them and their topics that even when we were intimate she would pause and talk about them. That gave me a kick away from physical relations with her. She currently is more into a lot of spirituality and drawn to such friends and some widowed family members who only take her towards that path. I want to lead a normal intimate life with her as I love her and do not want to hurt her. I took her to a Gynae too for check ups and she only has the normal issues which a woman of her age would have. Children and spirituality have become her priority and pet has become mine's. How do we get back as a normal couple?
Ans: It sounds like you're going through a challenging time in your relationship, and it's understandable that you're feeling disconnected and frustrated. Reconnecting with your wife and rebuilding intimacy can take time and effort, but it's definitely possible.Sit down with your wife and express your feelings openly and honestly. Let her know how her focus on spirituality and her friendships have affected you and your relationship. Avoid blaming or accusing her, but rather focus on expressing your own feelings and concerns. It's important to understand where your wife is coming from and why she's prioritizing spirituality and her friendships. Listen to her without judgment and try to empathize with her perspective. Understanding each other's motivations can help you find common ground. Explore activities or interests that you both enjoy and can do together. This could be anything from going for walks, cooking together, or attending a class or workshop that interests both of you. Finding common ground outside of spirituality can help strengthen your bond as a couple. Prioritize quality time together as a couple. Schedule regular date nights or weekend getaways where you can focus on each other and enjoy each other's company without distractions. Show your love and affection for each other through small gestures, compliments, and physical touch. Rebuilding intimacy often starts with reconnecting emotionally and expressing your love for each other in meaningful ways. Reconnecting as a couple takes time and effort, so be patient with each other and yourselves. It's normal to encounter setbacks along the way, but stay committed to working through them together. Remember that rebuilding intimacy and connection in a relationship is a journey, and it may not happen overnight. With patience, understanding, and effort from both of you, you can work towards restoring your relationship and creating a fulfilling partnership once again.

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Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 11, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
Hello Mam, I'm seeking your help over topic that might not be a usual one. I am 42 and my wife is 37 and we are married from 10years and have two loving kids. We r working professionals and my wife is fond of reading lot of spiritual gurus in office over internet, to which primarily I have no problem. Now the issue here is she has very low to no interest in aspirations over usual things between a couple like each other wishes, priortising dis relation before others, a shared dream,a shared hobby, house decor or a common social circle, etc, no ornaments at home ,adoring with just a bindi is a debatable thing as for her because it's all a dikhawa.(though grooming well for office is a duty not dikhawa) .We sleep in separate rooms due to kids, Sex exist but is seldom and mostly a one way traffic. She doesn't take interest in my emotional well being because as per her I'm too confined in materialistic topics . She has an allegation too some day she was seeking the same things from me and didnt got so has found it all in spirituality. While I wonder what was dat exact date as marriage to me was to have a loving romantic and if not perfect but a true relation. .I rather see this as excuse for her deep interest in spiritual journey. What is common and connect us today is we both love kids unconditionally. I am happy go lucky person who believe in karma, god believing and nurturing family from bottom of heart and take every day as new opportunity , but there is a large space I'm lagging definately in this relation. I don't have any interest in diving into all spiritual content at all that hold answers to mystery of life or beyond life. During time of marriage she didn't shared such thoughts (now she say it's continuos evolution) but I feel it's a true cheating of kind to be in marriage and instead of weaving common dreams , deep dive into unilateral agenda. I do get busy to fill this vaccume but I m worried when I think of future as such people tend to further cut off from usual life is what I believe. I'm worried once our primary duties r complete wih regard to kids what will be common grounds in this marriage and if she pursue all this and takes to another level why shall I hue and cry at 60 regretting for my golden past years and whatever remainder future. Moreover, I won't like to ruin the kids mental and emotional well being in their upbringing at any cost and therefore kindly guide how to work things out with her.. What will kids learn from us as they see us two odd mind people staying together.. How will they begin their Romantic relations if dey see ours in misery all through childhood. I feel so sorry for them. What can I do as of now as I feel clueless and helpless inside.
Ans: Dear Anonymous,
It does happen within marriages where over time, as one evolves during their journey, their interests may not match with one another...
It is possible that the two of you started the marriage liking and disliking similar things BUT your wife is possibly exploring her path.
Now, it obviously can be worrying as treading on different paths can make you distant from one another. But with a lot of sincere work put back into each other and the marriage, things can get better.
- understand and accept that there is nothing constant in life and everything is dynamically changing
- spouses can pursue their individual interests within the marriage without damaging the relationship

Arguing about why things must be a particular way will not make sense as that will only give her the necessary fuel to go further away from the marriage. Spiritual pursuits may not make much sense to you, but what if you actually took interest in how she looks at it and what she gains out of it. Genuinely being curious will only want her to get back home to you and share more with you and still be connected with you.
It's like a child suddenly getting interested in a game or playing an instrument so much that they talk, breathe and live it. What do you do? Don't you get curious, ask them more, encourage them and when they feel happy doing what they love, they come back to you feeling supported and loved.
This is only mys suggestion: talk to her, tell her about your concerns and still make sure she knows that you support her journey. I do feel things will change for you at home this way...

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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Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

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Money
Hi I am 35 year old private company salaried employee and I have recently started doing Sip for rupees 5000 per month diving it into 3 mutual funds Quant Elss tax saver fund growth for 2000, Mahindra Manulife Midcap fund growth 1500 and Kotak manufacturer in india growth 1500. Are the mutual funds I have invested Good to go for long term that is for 10years? Also should I do change any of it or add any more additional MF's to increase my portfolio?
Ans: You have taken a positive step towards wealth creation by starting SIPs. At 35, you have a long-term horizon, allowing for compounding growth. Let us assess your portfolio and suggest improvements.

Strengths of Your Current Investments
ELSS Investment (Rs. 2,000): Offers dual benefits of tax saving and wealth creation.
Midcap Fund Allocation (Rs. 1,500): Potential for higher returns in the long term.
Focused Thematic Fund (Rs. 1,500): A unique choice aligned with sectoral growth opportunities.
These funds indicate you have chosen a mix of diversification and tax benefits.

Areas That Need Attention
1. Overconcentration in Specific Funds
Sectoral and midcap funds can be volatile.
High concentration in such funds may impact stability.
2. Insufficient Diversification
You lack exposure to large-cap funds.
A balanced portfolio should include all market capitalisations.
3. Low Overall Investment
Rs. 5,000 is a modest start but may not meet long-term goals.
A higher SIP contribution ensures better corpus growth.
4. Tax Saving Strategy
Over-dependence on one ELSS fund limits diversification.
Consider adding another ELSS fund with a different investment style.
5. Lack of Hybrid or Balanced Funds
You do not have funds that offer stability during market downturns.
Recommendations to Improve Your Portfolio
1. Diversify Across Market Capitalisations
Add a large-cap mutual fund to ensure steady growth.
Large-caps offer consistency and lower risk over time.
2. Include a Balanced Hybrid Fund
Balanced funds provide stability by investing in equity and debt.
They reduce volatility while offering decent returns.
3. Increase Your SIP Contribution
Gradually raise your SIP to Rs. 10,000 per month.
This will align better with your long-term goals.
4. Add Another ELSS Fund
Diversify within ELSS to maximise tax-saving opportunities.
Choose funds with different strategies for better portfolio balance.
5. Avoid Thematic Overexposure
Sector-specific funds are high-risk.
Allocate only a small percentage of your portfolio here.
6. Consult a Certified Financial Planner
A professional can guide fund selection and portfolio alignment.
Choose regular funds through an MFD to benefit from professional support.
Importance of Active Fund Management
Actively managed funds often outperform passive funds like ETFs.
Fund managers adjust portfolios based on market conditions.
Active funds provide higher returns over the long term compared to index funds.
Additional Steps for Holistic Financial Growth
1. Set Financial Goals
Define goals like retirement, children’s education, or a house.
Assign investments to each goal for better planning.
2. Increase Emergency Fund
Save 6-12 months’ expenses in liquid funds or FDs.
This protects against unexpected financial crises.
3. Secure Insurance Coverage
Purchase term insurance with Rs. 1 crore coverage.
Health insurance should have Rs. 15 lakh coverage for comprehensive security.
4. Regular Portfolio Reviews
Evaluate fund performance every 6-12 months.
Replace underperforming funds after consulting an expert.
5. Tax Efficiency
Continue investing in ELSS to maximise Section 80C benefits.
Claim tax deductions under Section 80D for health insurance premiums.
Final Insights
Your current investments are a good start, but diversification is needed. Add large-cap and hybrid funds for balance. Increase your SIP gradually to align with your financial goals. Regular reviews and professional advice will ensure optimal returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

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Money
Is ulip plans are good to invest or sip is better can you suggest???
Ans: ULIPs are hybrid products combining insurance and investment.
They offer a life insurance cover and invest your premium in equity or debt.
A portion of your premium is used for insurance. The remaining is invested.
However, there are some disadvantages to ULIPs:

High Costs: ULIPs charge fees like premium allocation, policy administration, and fund management charges. These reduce your net returns.
Lock-In Period: They have a minimum 5-year lock-in period, limiting liquidity.
Complex Structure: Balancing insurance and investment often leads to sub-optimal outcomes in both.
Advantages of ULIPs:

They provide dual benefits of insurance and investment in one product.
Tax-saving benefits are available under Section 80C and maturity proceeds under Section 10(10D) (subject to certain conditions).
But are these advantages worth the high costs and reduced flexibility?

Understanding SIPs (Systematic Investment Plans)

SIPs are a disciplined way to invest in mutual funds, primarily equity or hybrid.
SIPs allow you to invest small amounts regularly. This ensures affordability and consistency.
They provide the benefit of rupee cost averaging and the power of compounding.
Advantages of SIPs:

Low Costs: Actively managed mutual funds through MFDs with CFPs offer low expense ratios.
Flexibility: You can increase, decrease, or stop your SIP anytime.
Customised Returns: SIPs focus solely on wealth creation. This allows professional fund managers to maximise returns.
Transparency: SIPs offer clear insights into fund performance, portfolio, and management strategy.
Why SIPs Are Better Than ULIPs for Most Investors

Insurance and investment serve different purposes. Combining them often leads to inefficiency.
SIPs give you higher returns as the entire amount is invested, not split like in ULIPs.
ULIPs are suitable only for investors comfortable with long lock-ins and high charges.
You can pair SIPs with a term insurance plan for a more cost-effective strategy.
A Certified Financial Planner’s Recommendation

Buy a term insurance plan for pure risk coverage. It's cheaper and offers high cover.
Invest separately in SIPs for wealth creation. This ensures focused returns without compromising insurance needs.
How SIPs Outperform ULIPs in Various Scenarios

Scenario 1: Flexibility

SIPs allow you to stop or change investments. ULIPs restrict this with lock-ins.
Scenario 2: Costs and Charges

SIPs charge only fund management fees. ULIPs have multiple charges, reducing your returns.
Scenario 3: Wealth Creation

SIPs focus solely on wealth creation with expert fund management. ULIPs split their focus.
Scenario 4: Tax Implications

Mutual fund taxation rules depend on the type of fund and holding period. ULIPs offer tax benefits but may still fall short on returns.
Disadvantages of ULIPs to Keep in Mind

They are often mis-sold as high-return products without highlighting costs.
They don’t offer flexibility in insurance coverage.
They limit liquidity for five years, affecting short-term goals.
Final Insights

ULIPs may seem attractive for combining insurance and investment. However, they often fall short when compared to SIPs in mutual funds.

By separating your insurance and investment needs, you gain flexibility, transparency, and better returns. Always prioritise cost-effective and goal-aligned strategies for long-term financial growth.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

Asked by Anonymous - Nov 11, 2024Hindi
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Money
I have 50 lakhs with me i am 25 years old which is best investment for me!
Ans: At 25, you have a golden opportunity to build wealth early. Let's explore a diversified investment plan considering your age, goals, and risk tolerance.

Setting Your Financial Goals
Define short-term, medium-term, and long-term financial goals.

Short-term goals can include buying a car or creating an emergency fund.

Medium-term goals may involve higher education or starting a business.

Long-term goals should focus on retirement, buying a house, or other life aspirations.

Prioritise these goals and allocate funds accordingly.

Building an Emergency Fund
Reserve six to twelve months' expenses as an emergency fund.

Invest this amount in liquid funds for easy access and stable returns.

Keep this fund untouched for emergencies only.

Health and Life Insurance
Ensure adequate health insurance coverage for yourself and family.

Purchase a term insurance policy to safeguard your dependents in case of unforeseen events.

Choose policies that align with your income and future responsibilities.

Investing in Mutual Funds
Allocate a significant portion to equity mutual funds for long-term growth.

Actively managed funds provide better potential than index funds due to skilled fund managers.

Regular mutual funds through a certified financial planner offer guidance and expert oversight.

Avoid direct funds unless you have expertise in fund selection and management.

Diversify across large-cap, mid-cap, and small-cap funds for balanced growth.

Stock Market Investments
Invest 10%-15% of your corpus directly in stocks for higher returns.

Focus on companies with strong fundamentals and growth potential.

Review your portfolio periodically to ensure alignment with your goals.

Limit exposure to speculative stocks or high-risk sectors.

Debt Investments
Allocate 20%-30% of your corpus to debt instruments for stability.

Consider options like corporate bonds, government securities, or fixed deposits.

These provide steady returns with lower risk than equity.

Retirement Planning
Start building a retirement corpus early for the power of compounding.

Allocate a part of your funds to long-term equity mutual funds.

Use tax-efficient schemes like PPF or EPF to complement retirement savings.

Tax Saving Investments
Utilise tax-saving options under Section 80C of the Income Tax Act.

Consider ELSS funds for both tax benefits and equity exposure.

Avoid locking funds in instruments like NSC or ULIPs with low returns.

Diversifying with Alternative Investments
Allocate 5%-10% to gold, either through gold ETFs or sovereign gold bonds.

Explore REITs for exposure to real estate without physical property investment.

Avoid direct real estate investments due to liquidity and management issues.

Systematic Investment Planning (SIP)
Deploy funds systematically through SIPs for disciplined investing.

SIPs benefit from rupee cost averaging and reduce the impact of market volatility.

Increase SIP amounts gradually as your income grows.

Avoiding Index and Direct Funds
Index funds track benchmarks and lack active management, limiting potential returns.

Direct funds require expertise and time for monitoring, which many investors lack.

Regular funds offer guidance and active management through certified financial planners.

Monitoring and Rebalancing Investments
Review your portfolio semi-annually or annually to track performance.

Rebalance the portfolio to maintain the desired asset allocation.

Adapt your strategy based on market conditions and changing goals.

Final Insights
With Rs 50 lakhs at 25, you can create a strong financial foundation.

Diversify across asset classes while balancing risk and return.

Seek guidance from a certified financial planner to optimise your investment strategy.

Stay consistent with your plan and avoid impulsive financial decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

Money
I am 46 years old, doing job in Kolkata and my salary is 1.4 lac per month.I have savings of Rs. 1 Cr 10 Lac. 52 lacs in PPF, 13 Lacs in PF, 9 Lacs MIS post office.10 lacs Mutual fund. 20 lacs FD, 5 lacs Savings account. I have 2 PPFs which I need to pay 3 lacs per year as savings, 10k per month as SIP. No debt. I live in my parental house and I am the only son. I have daughter of 7 years age studying in class 1. My present family expenses are 40k What is the perfect age of taking retirement.
Ans: Your financial discipline is remarkable, and you are in a strong position.

You have Rs. 1.1 crore in savings spread across various instruments.
Your monthly income is Rs. 1.4 lakh, with expenses of Rs. 40,000.
You live in your parental house and have no debt.
Your financial commitments include SIPs and PPF contributions.
Your daughter is young, and her education requires long-term planning.
This stability provides a good foundation for retirement planning.

Key Factors to Consider for Retirement
1. Desired Retirement Age:

The ideal retirement age depends on your goals and financial needs.
Early retirement at 55 is possible if you ensure adequate savings.
A standard retirement age of 60 allows more time to build wealth.
2. Post-Retirement Expenses:

Estimate post-retirement expenses, including healthcare and inflation.
Current expenses of Rs. 40,000 may rise with time and lifestyle needs.
Factor in additional costs for your daughter’s education and marriage.
3. Life Expectancy:

Plan for at least 25-30 years post-retirement.
Ensure your savings generate steady income over this period.
4. Emergency Corpus:

Maintain at least 2 years’ expenses in liquid funds.
This ensures financial security during unforeseen situations.
Evaluating Existing Investments
1. Public Provident Fund (PPF):

Rs. 52 lakh in PPF ensures tax-free returns.
Continue annual contributions for long-term compounding benefits.
2. Provident Fund (PF):

Rs. 13 lakh in PF is a stable retirement asset.
Avoid withdrawing this corpus before retirement.
3. Mutual Funds:

Rs. 10 lakh in mutual funds provides growth potential.
Consider increasing SIPs to diversify and maximise equity exposure.
Actively managed funds can outperform during volatile markets.
4. Fixed Deposits (FD):

Rs. 20 lakh in FD ensures stability but offers limited growth.
Explore alternatives like hybrid funds for better returns with moderate risk.
5. Savings Account:

Rs. 5 lakh in a savings account is good for liquidity.
Avoid keeping excess funds here due to low returns.
6. Post Office MIS:

Rs. 9 lakh in MIS provides steady income but limited growth.
Redeploy this in equity or balanced funds for inflation-adjusted returns.
Planning for Your Daughter’s Future
1. Education:

Allocate funds for her higher education in equity-oriented investments.
SIPs in child-focused or diversified funds ensure disciplined savings.
2. Marriage:

Start a separate goal-based investment for her marriage.
Long-term equity investments provide better inflation-adjusted returns.
Building a Retirement Corpus
1. Increase Equity Exposure:

Equity is essential for wealth creation over the long term.
Gradually increase allocation to equity funds for higher returns.
2. Diversify Investments:

Combine equity, debt, and hybrid funds for balanced growth.
Diversification reduces risk and ensures stability.
3. Reduce Dependence on Fixed Income:

Fixed income instruments like FDs provide low post-tax returns.
Reallocate some funds to equity for higher growth.
4. Regular Portfolio Review:

Monitor your portfolio’s performance every six months.
Rebalance assets to maintain desired risk and return levels.
Tax Planning
1. Tax on Mutual Funds:

LTCG on equity funds above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%. Plan redemptions to optimise taxes.
2. Tax-Efficient Investments:

PPF and PF remain tax-efficient instruments.
Consider ELSS funds if additional deductions under Section 80C are needed.
3. Avoid Tax Drags:

Fixed income returns are taxed as per your income slab.
Redeploy funds for better post-tax returns.
Deciding the Perfect Retirement Age
1. Retiring at 55:

This requires a larger corpus due to an extended retirement period.
Aggressive savings and investments are needed in the next 9 years.
2. Retiring at 60:

More time to build wealth reduces financial stress.
A balanced approach ensures a comfortable retirement.
3. Retiring at 58 (Mid-Way):

Retiring at 58 balances early retirement and corpus adequacy.
It aligns with both financial and lifestyle goals.
Additional Steps for Financial Security
1. Health Insurance:

Ensure adequate health insurance for your family.
This reduces the burden of medical expenses post-retirement.
2. Emergency Fund:

Maintain Rs. 10 lakh in liquid funds or FDs for emergencies.
This ensures immediate access during financial crises.
3. Will and Estate Planning:

Create a will to ensure smooth transfer of assets.
This avoids disputes and protects your family’s financial security.
Final Insights
Your current financial position supports a flexible retirement plan. Retiring at 58 offers a balanced approach, giving you time to build a corpus.

Focus on equity for long-term growth while maintaining stability in debt instruments. Plan separately for your daughter’s education and marriage to avoid straining your retirement corpus.

Review your investments regularly with a Certified Financial Planner. This ensures alignment with your evolving goals and market conditions.

With disciplined savings and strategic investments, you can achieve financial independence.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

Asked by Anonymous - Nov 12, 2024Hindi
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Money
Greetings Sir!!. I have 20 Lacs amount and I need to invest for a short term period (05 months) what would be the best scheme to invest in? to gain good returns.
Ans: Investing for five months requires a cautious and strategic approach. Your goal should be to prioritise safety, liquidity, and optimal returns. Below are investment strategies tailored to your needs, ensuring a 360-degree perspective.

Key Considerations for Short-Term Investments
Before we dive into suitable options, consider these factors:

Liquidity: Ensure easy access to funds after five months.
Capital Safety: Short-term investments should minimise risk to your principal.
Tax Efficiency: Assess post-tax returns under your income tax slab.
Investment Options for Your Time Horizon
1. Ultra-Short Duration Funds
These funds focus on very short-term debt instruments.
They typically mature between three to six months.
Risk is low, making them ideal for short-term needs.
Returns are better than savings accounts or fixed deposits.
Tax efficiency is better if held beyond three months.
2. Arbitrage Funds
These funds capitalise on price differences in equity and derivatives.
They offer returns comparable to liquid funds but are taxed like equity.
Short-term gains are taxed at 20% for your five-month tenure.
Ideal for slightly higher-risk takers seeking tax efficiency.
3. Liquid Funds
Liquid funds invest in securities with a maturity of up to 91 days.
They provide stable returns and high liquidity.
Ideal for parking funds for three to six months.
Suitable for risk-averse investors with short time horizons.
4. Bank Fixed Deposits (Short-Term)
Consider FDs with a maturity of six months or less.
They offer assured returns, albeit lower than market-linked funds.
Taxation depends on your income tax slab.
Use this if you prioritise safety over returns.

Evaluating Key Points in Your Investment Journey
Liquidity Is Essential
Liquidity ensures your funds are accessible when required.
Avoid options with lock-in periods or exit loads.
Consider Risk Tolerance
Stay conservative, as your tenure is short.
Avoid high-risk instruments like equity mutual funds.
Focus on Post-Tax Returns
Understand the tax implications on interest or capital gains.
Equity fund short-term gains are taxed at 20%.
Debt fund gains are taxed as per your income slab.
Avoid Index Funds for This Tenure
Index funds track the broader market, which is volatile in the short term.
They don't provide capital safety over five months.
Actively managed funds offer more stability for short durations.
Additional Insights
Regular vs Direct Plans in Mutual Funds
Direct plans lack professional guidance, which may affect investment decisions.
Investing through a certified mutual fund distributor ensures tailored advice.
Regular plans offer value through personalised strategies and market insights.
Taxation Awareness
Use the updated mutual fund tax rules for calculating gains.
Ensure short-term gains are aligned with your tax-saving strategy.
Suggested Investment Allocation
Low-Risk Strategy
60% in liquid funds for safety.
30% in ultra-short duration funds for moderate returns.
10% in arbitrage funds for tax-efficient gains.
Moderate-Risk Strategy
50% in ultra-short duration funds for slightly higher returns.
30% in arbitrage funds for equity-like taxation.
20% in liquid funds for instant access to funds.
Final Insights
Short-term investments should prioritise stability and liquidity over high returns. Diversify across instruments to balance risk and return. Review tax efficiency to maximise post-tax benefits.

Evaluate progress in three months and adjust based on market conditions. A structured approach ensures your capital is safe while earning optimal returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Archana

Archana Deshpande  |75 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
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I am married for 17 years. Since ours was a arranged marriage we had many ups and downs but slowly we have settled all our matters. We have three kids. Elder one is 16yrs, 11yrs and 3yr. I am having a guilt feeling that we have not been a good parent to our 16yr old. When he was born I was young and inexperienced and was always settling my difference with my husband and was not taking good care of my son. Now he is in college he is not performing well in his studies. And has become very aggressive. I am very much worried about his future. Now I want to repair the damages I have done to him and I am very much feeling guilty and blaming myself that it was all because of me and my husband's misunderstanding his life is affected. My other two kids are doing good in everything they do. I cry every day that I have done mistake with my son and pray for his successful life. Now what can I do to improve my son's overall wellbeing. Please suggest.
Ans: Dear Mom,

I can totally empathise with you...so here is what I am going to tell you out of my own experience and what I did to overcome this mom guilt and seeking forgiveness. It's good that you are have worked on your marriage and have 3 kids, pat yourself on the back for it. And it's normal in any marriage for these kind of ups and downs and then attaining peace and love, so good going for having found them!!And remember marriage is continuous work.

The solution I am going to give, I am going to divide it into two parts..

1. Forgiving yourself first..be kind to yourself, you were young, you were inexperienced, the mom you are to your 3 yr old is not the same person who brought up your first child, so quit being guilty! Every soul has a journey to take, your son chose you as a mother so that he could take that journey with you...you both had to take this journey together in order to evolve and grow into the people you are today. So, FORGIVE YOURSELF AND QUIT FEELING GUILTY, it's not easy but you have to start doing it. Be kind to the old you... and embrace the new you!! You are not the same person and so is your first born, this continuous evolving as a human being and becoming better is called life, rt?

2. Your SON is 16yrs old, the aggression that he has may not be because of what you did to him... it may be the changing hormones? When you are a guilty mother, you tend to blame yourself for all the wrongs that happen in your child's life, so quit being guilty.
Talk to him about how young you were when he was born and how guilty you feel about some things( be careful about what you say, kids are very resilient, they know how to protect themselves , so maybe how you remember things may not be the same way that he remembers), say sorry and seek his forgiveness. Check if you can have this conversation with him, don't give him the power to make you feel further more guilty. I leave this decision to you.

Don't cry dear mom, forgive yourself, heal and see what best you can do from now on with your first born...just move on from the past... be there for him, cherish him, love him and be there for him, help him navigate through life with compassion and understanding. It might take time, but it's all doable. Take care of him.. and a mother truly knows what is best for her child, trust your instincts, the mother's instincts are far too powerful, take back your power from the "guilty mother" and nourish your bond.

What "I do' and also advice all parents is to spend excusive time with each child, scheduling time with each child and doing something which they like takes the bond to new levels!! Try this out...

All the best... and wishing happy times ahead for you and your beautiful family!!

...Read more

Ramalingam

Ramalingam Kalirajan  |7083 Answers  |Ask -

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

Asked by Anonymous - Nov 11, 2024Hindi
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Hello sir, hope you’re doing well. My age is 33. I am investing 40K via SIP in MF in 5 different funds, 20K per month as EPF, 50K NPS annually, 28K EMI - 20 years for 2nd flat for investment, 1st flat home loan completed, 9K car loan for 5 years, also doing SIP 5K in momentum ETF on my own, health insurance from company side(5L) plus additional 5L but no term or life insurance yet. How am I doing financially? Scope of improvement? Please let me know
Ans: You are making commendable progress in financial planning at the age of 33. Your diversified investments and insurance indicate a proactive approach. Let us evaluate your situation and identify areas for improvement.

Current Financial Highlights
SIP in Mutual Funds (Rs. 40,000): This is a disciplined step towards wealth creation.

EPF Contribution (Rs. 20,000): Provides a stable retirement base.

NPS Contribution (Rs. 50,000 Annually): Strengthens retirement planning with tax benefits.

EMI for Second Flat (Rs. 28,000): Shows commitment to asset building.

Car Loan EMI (Rs. 9,000): Necessary, but car loans are liabilities, not assets.

Momentum ETF SIP (Rs. 5,000): Innovative but high-risk strategy.

Health Insurance (Rs. 10 Lakh): A good backup for emergencies.

No Term or Life Insurance: This is a critical gap that needs immediate attention.

Areas of Concern
1. High Loan Commitments
EMI for the second flat and car loan may strain cash flow.
The second flat as an investment can yield lower returns than mutual funds.
2. Lack of Term Insurance
Your dependents would face financial insecurity in your absence.
A term plan with at least 15 times your annual income is essential.
3. Momentum ETF Investment
ETFs are passive investments and lack active fund management benefits.
High volatility can lead to inconsistent returns.
4. Diversification of Investments
While your mutual fund SIPs are good, ensure they cover all categories: large-cap, mid-cap, small-cap, and hybrid.
Overconcentration in one type of fund or asset class can impact returns.
5. Insufficient Emergency Fund
Emergency savings for 6-12 months of expenses is crucial.
6. Tax Efficiency
Your investments and loan repayments must be optimised for tax savings.
Leverage Section 80C and 80D benefits effectively.
Recommendations for Improvement
1. Review Loan Strategy
Focus on prepaying the car loan as it carries no wealth-building advantage.
Reassess the investment potential of the second flat. If returns are poor, consider selling it and reinvesting in mutual funds.
2. Purchase Term Insurance
Opt for a term plan with Rs. 2 crore coverage.
Term insurance is cost-effective and ensures family security.
3. Optimise Mutual Fund Investments
Diversify across actively managed funds, avoiding over-reliance on ETFs.
Consult a Certified Financial Planner to refine your portfolio.
4. Enhance Emergency Fund
Save Rs. 2-3 lakh in liquid funds or high-interest savings accounts.
Use this only for unforeseen expenses.
5. Increase Health Insurance
Add a top-up plan of Rs. 10-15 lakh for better coverage.
6. Avoid Momentum ETFs
ETFs do not benefit from active management.
Actively managed funds outperform in volatile markets.
7. Plan Tax Efficiency
Invest up to Rs. 1.5 lakh under Section 80C in ELSS funds.
Claim additional tax benefits under Section 80D for health insurance premiums.
Retirement Planning
Increase your NPS contribution to Rs. 1 lakh annually.
Diversify retirement planning by investing in hybrid funds for stability.
Children’s Education and Marriage
If you have or plan to have children, start early with SIPs in child-specific funds.
These investments should align with the time horizon for each goal.
Actionable Steps
Prepay the car loan at the earliest.
Reevaluate the second flat for potential sale and reinvestment.
Start a term insurance policy immediately.
Build a robust emergency fund.
Review and diversify your mutual fund portfolio with expert guidance.
Increase health insurance coverage for better security.
Avoid ETFs and shift focus to actively managed mutual funds.
Final Insights
You are on the right path but need adjustments for financial security and growth. Address the gaps in insurance and diversify your investments further. By following these steps, you can achieve financial freedom with better peace of mind.

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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