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Anu Krishna  |1410 Answers  |Ask -

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

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - 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  |1410 Answers  |Ask -

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

Asked by Anonymous - Aug 09, 2023Hindi
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Relationship
Hi Anu, I am 39 Year Old Male and My wife is 37 years old, we are married for 12 years. We have 2 kids (A Son Aged 9 Years) and a daughter aged (2 years). We had good and bad both times during 12 years of our marriage. However it was my anger on petty issues which lead to multiple quarrels over the period. Last month again we had fight and my wife left home without my or my family knowladge along with both our kids to my in-laws. During this 1 month of seperation i realized my mistakes and are ready to amend it, but my wife lacks trust now. We are not in touch since she has left as she has blocked my number and send me court notice of maintenance also (Ofcourse notice has lot of lies also). No i have understood my family's values and unable to bear such distance from both wife and kids. What my wife is thinking i dont know. Financially i have always kept her happy but due to my quarrels things have gone bad now. Please advice what should be way forward for me and what should i do to bring my family back. PLEASE GUIDE!
Ans: Dear Anonymous,
Ego trips have divided the two of you considerably.
Seek the help of an elder member of a family who will act like a go-between and a mediator. He/She must be neutral and unbiased as well.
This helps in having a smooth flow in a conversation between you and your wife where both of you can our in your woes and also be clear on whether either of you want the marriage to continue or not. Also, take into account the children and their welfare as they are very young and any decision taken will impact them in one or many ways.
If this mediation fails, kindly seek the help of a marriage therapist/counselor even this means sharing 'stuff' with a total stranger. Most often that stranger will be the person to facilitate a smooth reconciliation if the couple also wants the same.

All the best!

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

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

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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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Kanchan

Kanchan Rai  |447 Answers  |Ask -

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

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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Anu

Anu Krishna  |1410 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2024

Asked by Anonymous - May 26, 2024Hindi
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Hi, I married 1 year ago my wife told me she was forced to do a marriage against her concern and she didn't want the marriage life and wanted to live as strangers, also she refused to take wife responsibilities at home i have waited trusting she would change but she never changed. She is alone daughter to her parents borned after 16 years to their parents and she used to live outside around 17 year for her studies. After marriage whenever her parents come she used to ignore me, also she work in private sector and not share even single rupee to home. However all house hold work i do being boy, also she is not at all interested in intercource as well. After marriage 2 week she stayed in PG stating that my close friend will go to native allow me to spend time with her reast all i will be with you like. I agreed. Later 6 Month she used to give reasons for intercource i got periods, rashes, not feeling good, tiered, no mood, etc this happen till 6 month. After this we had 4 times in 2 month with protection that too just for 1 or 2 min as she mentioned lot of pain, after that she started avoiding, since i was not fulfilled by sex desire i started making extra marital affairs in facebook and turned to whatsapp only text, one fine day she saw all msgs i did with extra marital affair and she took photos of that and went to PG without informing any one. Later both families elder sat and asked she used to show the msgs that i did with extra marital affairs and she wanted seperate now from me. Though i accepted the extra marital affairs only interms of msgs and since you not willing to do sex i choose this way i mentioned. But she dont like to come back now. Her father took 2 month of time that he will change her mind set but i dont think she can. As her mother is also not good women, suporting her daughter and making such big issues and she also not interested in this marriage itself.
Ans: Dear Anonymous,
Sometimes people are just not ready for marriage and here your wife certainly came along with a huge baggage of unresolved issues behind her.
Marriage requires both partners to be responsible not just towards one another but take an active interest in their roles. This calls for maturity from both partners here.
Now, this was never a possibility with your spouse as she felt the marriage was a forced one. That is enough to destroy any chances of the marriage falling in place. You are also in a soup now that she has found her 'proof' that gives her a ticket out of this marriage.
The question here is: Do you want this marriage? If YES, then you will have to start down the part of proving your innocence and what led to what and how and when...If NO, then since your spouse has found her ticket to freedom, the only thing you might have to do is clearly state and not explain anything as to how things went downhill right from the beginning. Her parents may believe you or not, but that's what your decision needs. They may try to malign you in the family, just stick to your version of what happened and move on.
So, you are at that point where you need to make a decision. What is it going to be?

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  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
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Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm
Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7365 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 28, 2024Hindi
Money
Hello, Sir. I am a 41-year-old male with a 9-year-old son and a housewife. I need advise on how to undertake financial planning because I want to retire early, perhaps at age 48-50. I am currently outside of India and have 2.5 crore in NRE FDs, roughly 60 lakhs in Mutual Funds, 8 lakhs in share market, and 8 lakhs in PF. I have floater health insurance for 15 lakhs. Some LIC's for roughly 5 lakhs. I have one rented flat that pays 12,000 per month and an ancestor property that pays 20,000. In the next 3-6 months, I plan to buy a one-crore flat and return to India permanently in the following few months.I plan to buy a one-crore flat in the next 3-6 months, return to India permanently in the next 1-2 months, and work for an IT company with an annual income of approximately 25-35 lacs. I know I lost the opportunity to invest some money during/after the covid time; else, I would have had a somewhat better portfolio. I need your advice on how to properly invest my FD's money.
Ans: Planning for early retirement requires careful analysis and structured execution. Your current financial situation reflects a strong foundation. Let’s optimise your resources to achieve your goals.

Assessing Current Financial Standing
Your assets are well-distributed across various instruments:

Rs. 2.5 crore in NRE FDs
Rs. 60 lakhs in Mutual Funds
Rs. 8 lakhs in shares
Rs. 8 lakhs in PF
Floater health insurance for Rs. 15 lakhs
Rs. 12,000 rental income from one flat
Rs. 20,000 rental income from ancestral property
LIC policies worth Rs. 5 lakhs
This portfolio indicates a mix of liquidity, growth, and stability.

Setting Clear Retirement Goals
Define retirement income needs based on desired lifestyle. Early retirement at 48-50 means funding 30-40 years of expenses.

Factor in inflation, medical needs, child’s education, and your family’s future financial security.

Challenges to Address
High allocation to fixed deposits (FDs), which have low returns post-tax.
Underutilisation of mutual funds and equity investments.
Managing new property purchase without compromising retirement corpus.
Optimising Your Investments
Fixed Deposits
Move a significant portion of FD funds to growth-oriented investments.
Retain only a portion for emergencies or short-term needs.
Mutual Funds
Increase allocation to diversified mutual funds.
Focus on a mix of large-cap, mid-cap, and flexi-cap funds for growth.
Use regular plans through a Certified Financial Planner for personalised advice and portfolio tracking.
Share Market Investments
Rs. 8 lakhs in shares needs a review. Assess performance and risks.
Shift underperforming or speculative stocks to diversified equity funds.
Provident Fund
PF provides stability. Let it compound till retirement for assured returns.
LIC Policies
Evaluate LIC policies. Surrender low-yield policies and redirect funds to mutual funds.
Ensure sufficient life insurance coverage through term plans.
Managing Real Estate Investments
Your plan to purchase a flat for Rs. 1 crore is prudent. However:

Avoid using FD funds entirely for this purchase.
Opt for a small loan if needed, keeping EMIs manageable.
Leverage rental income from this property to supplement post-retirement income.
Health and Life Insurance
Your Rs. 15 lakh health insurance is adequate for now.
Increase coverage to Rs. 25-30 lakhs upon returning to India.
Secure a term insurance policy with sufficient coverage to protect your family.
Tax Efficiency
Post-return to India, your NRE FDs will lose tax exemptions.

Redirect funds to tax-efficient instruments like equity mutual funds and debt funds.
Long-term capital gains on equity funds are taxed favourably.
Child’s Education and Family’s Security
Allocate a dedicated corpus for your son’s higher education.
A mix of equity and balanced funds will help achieve this goal.
Emergency Fund
Set aside Rs. 15-20 lakhs as a liquid emergency fund.
Use liquid mutual funds or short-term debt funds for easy access.
Regular Monitoring and Review
Review your portfolio every 6-12 months with a Certified Financial Planner.
Adjust allocations based on market trends, personal goals, and economic changes.
Final Insights
Your financial foundation is solid. With strategic changes, you can retire early with confidence.

Diversify investments, optimise tax efficiency, and plan systematically for your goals. Stay disciplined and avoid speculative ventures.

Your foresight in seeking advice ensures a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |188 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 27, 2024

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Career
Hello! Sir This is Sravani.I am a M.Pharmacy postgraduate and has a work experience of 6 years in Quality control department in pharma industry.At present i am working in the same department. But i want to go for work from home job.so that i can spend time with my kids. Both my kids are in kindergarten. It's becoming tough for me to manage both job & kids as my working hours are too long. Please do suggest me any kind of work from home job which suits my profile. Regards Sravani
Ans: Hi Sravanthi,

It's great to hear that you have six years of experience in Quality Control (QC). As you know, QC roles are generally onsite, unlike IT roles that can often be done remotely. Given your expertise in QC, you have the option to transition to Quality Assurance (QA), Regulatory Affairs (RA), or the Validation team, but we need to assess the feasibility of such a shift. While it is uncommon, it is possible to find roles in RA, such as preparing and submitting documents, pharmacovigilance, or medical scribing. However, since these are not your areas of expertise, if you choose to pursue them, you may be considered a fresher in those fields.

You also mentioned that need to work long hours. Even with work from home (WFH), you will likely face similar challenges; once you log in, you cannot skip the tasks assigned to you. Being at home may hinder your ability to care for your children, creating additional difficulties.

If you are financially stable, you might consider quitting your current job to find other opportunities or to take care of your family. If not, you will need to weigh your options carefully.

My recommendation is to prefer onsite work rather than WFH.

On a lighter note, there are many advantages to onsite work that can actually save you money—such as reduced electricity bills, food expenses, and travel costs. Compared to WFH, where you may incur higher electricity costs due to using AC and your computer, along with food expenses for snacks and meals.

Logically speaking, as a working woman, if your maid were asking for a WFH arrangement, how would you respond?

As an additional suggestion, you might consider applying for government jobs as a Junior or Senior Analyst in your state’s Drug Testing Lab within the Drugs Control Department.

Ultimately, I recommend that you continue in your current field and potentially explore opportunities in a different company or industry that offers a higher salary. Alternatively, you could also consider transitioning to QA, but ideally in an onsite position.

All the best.

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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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