Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married as the society will insult our parents. I am getting married in November only for my parents but I have already made up my mind that I'll divorce him after 1 year of mairrage and will live my life alone. Am I thinking right? What should I do?

Ans: You are 46 years old and saving Rs.10,000 every month. You want to create a strong investment plan for the next 10 years. You do not have much existing savings. That’s perfectly okay. You are ready to act now. That’s what matters.

Here is a detailed, simple, and practical 360-degree plan.

? Understand your financial starting point
– You are 46 years old, working in private sector.
– You are able to save Rs.10,000 monthly.
– You have minimal past savings or investments.
– You have not mentioned any LIC, ULIP, or insurance-based investments.
– You are now planning for a better financial future in 10 years.

That’s a great and timely decision.

? Clarify your financial goals
– Think about what you want after 10 years.
– Is it retirement? Or a second income source?
– Or your child’s higher education or marriage?
– Having a clear goal helps in better investment planning.
– You can define your goal in simple terms.
– Also, prioritise between must-have goals and good-to-have goals.

This brings better clarity and commitment.

? Monthly savings are your superpower
– Rs.10,000/month may look small. But it’s powerful.
– In 10 years, it can create meaningful wealth.
– Consistency is more important than amount.
– Keep saving without breaks.
– Even in tough months, try not to skip SIPs.

Discipline is your biggest strength now.

? Emergency fund is your safety net
– You should first build a safety buffer.
– Set aside 6 months of your monthly expenses.
– If monthly expense is Rs.30,000, build Rs.1.8 lakh buffer.
– Start with Rs.1 lakh in savings and liquid fund.
– Keep 30% in savings bank. Keep 70% in liquid fund.
– Avoid fixed deposits. Early withdrawal charges reduce returns.
– Liquid funds are better than savings.
– They offer next-day withdrawal and better returns.

Build emergency fund first. Then start investing for long-term goals.

? Avoid index funds for long-term wealth creation
– Index funds are unmanaged. They just copy the market index.
– They don’t protect you during falling markets.
– They drop fast during crashes.
– They don’t adjust to changing market conditions.
– You need smart fund management for long-term growth.
– Actively managed funds are better.
– They are run by professional fund managers.
– These managers buy or sell based on research.
– You benefit from their market insights.
– In India, actively managed funds have outperformed index funds.

Index funds may look cheap. But they cost returns in long run.

? Avoid direct plans if you are not an expert
– Direct plans don’t give you guidance.
– You must decide fund, amount, changes, rebalancing – all on your own.
– No help during volatile markets.
– No suggestions when your goals change.
– Regular plans through a Certified Financial Planner (CFP) give guidance.
– You get support in fund selection and goal planning.
– CFPs help you avoid costly mistakes.
– They also review your portfolio regularly.
– Regular plans help you stay invested calmly.
– Investing is not just numbers. It’s also behaviour.

Handholding matters more than small expense ratio difference.

? Begin with 2–3 strong equity mutual funds
– Start with only 2 or 3 diversified equity funds.
– Choose Flexi Cap and Large & Midcap categories.
– These give good mix of large and mid companies.
– Add a Balanced Advantage Fund for market stability.
– These funds shift between equity and debt automatically.
– You don’t need to monitor markets daily.
– Avoid sector funds, international funds, thematic funds.
– They are risky and not suitable for your stage.
– Don’t try to pick many funds.
– Few good funds are enough.

Over-diversification leads to confusion, not better returns.

? Allocate SIP amounts with simplicity
– You can start SIP of Rs.4,000 in Flexi Cap fund.
– Rs.3,000 in Large & Midcap fund.
– Rs.3,000 in Balanced Advantage fund.
– Total = Rs.10,000/month.

This is simple and powerful allocation.

? Increase SIPs every year
– Try to increase your SIPs by 5–10% yearly.
– If income rises, increase investments first before expenses.
– Even Rs.1,000 extra per year makes a big difference.
– Over 10 years, this boosts final corpus strongly.

Growth in SIP is more important than one-time investments.

? Keep equity investments long term
– Don’t withdraw before 10 years.
– Let the money grow through compounding.
– Equity markets have ups and downs.
– But they reward patient investors over time.
– If you panic in short term, you lose returns.

Time is your best friend in equity.

? Avoid investment-linked insurance policies
– Don’t mix insurance with investment.
– LIC policies, endowment plans, ULIPs give poor returns.
– They promise returns, but deliver less than inflation.
– Keep insurance separate and simple.
– Buy term insurance if not already taken.
– Premium is low, cover is high.

Investment-cum-insurance products dilute both goals.

? Review portfolio every year
– Fund performance must be tracked once a year.
– Change the fund if it underperforms for 2 years.
– Rebalance if one fund grows too big.
– Your Certified Financial Planner will help with review.
– Don’t switch funds often. Review, not react.

Long-term success comes from patience and planning.

? Understand tax impact of mutual funds
– Long Term Capital Gains above Rs.1.25 lakh are taxed at 12.5%.
– Short Term Capital Gains are taxed at 20%.
– For debt funds, both gains are taxed as per your tax slab.
– Plan your withdrawals smartly.
– Take help of your CFP before redeeming.

Tax planning can save you big money.

? Stay away from risky investments
– Don’t invest in stock tips or small companies.
– Don’t try F&O or day trading.
– Stay away from chit funds and ponzi schemes.
– Don’t follow friends or relatives blindly.

Stick to mutual funds with professional guidance.

? Stay consistent with your plan
– Don’t stop SIPs due to short-term events.
– Avoid taking emotional decisions based on news.
– Focus on your goals, not market noise.
– Investing is like growing a tree.
– Give time, water it regularly, don’t uproot.

Consistency builds wealth quietly and surely.

? Create financial discipline in your life
– Avoid unnecessary expenses.
– Track your income and spending.
– Set automatic SIPs.
– Pay off credit card bills fully.
– Don’t take loans for gadgets or travel.
– Start saving before spending.

Good habits support good investments.

? Finally
– You are starting at 46, but that’s not late.
– Many people don’t start at all.
– Rs.10,000/month for 10 years with right discipline is powerful.
– Focus on quality funds.
– Stick to your goals.
– Review annually.
– Stay invested with the help of a Certified Financial Planner.
– Avoid direct plans if you’re not hands-on.
– Avoid index funds.
– Build emergency fund first.
– Increase SIP yearly.
– Don’t stop investing.
– Your 10-year wealth plan is now in motion.

Let your money work quietly. You stay focused and calm.

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

Ans: Hello dear.
Your question is unclear to me. Please ask again.

Ans: Hell Aluri
Yes. RVCE is a good choice. You can take admission without any hesitation.

Good luck.
Follow me if you receive this reply.
Radheshyam

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Ans: Lovely Professional University’s doctoral programme in Pharmacology operates within a NAAC-accredited private university that administers its own LPUNEST entrance test and offers substantial scholarship support based on merit . The three-year full-time curriculum encompasses core research methodology, publication ethics and advanced electives, supplemented by interdisciplinary minors and industry-interface modules that facilitate collaborations with pharmaceutical companies. Research scholars benefit from well-equipped pre-clinical and clinical evaluation laboratories, a centralized animal house and access to LPU’s Centre for Biomedical Research. A robust placement pathway connects candidates to roles in drug safety, pharmacovigilance and regulatory affairs, leveraging the university’s corporate partnerships and regular campus recruitment drives. Despite its relative youth, LPU maintains a dedicated Career Development Centre and reports a consistent placement rate for life-sciences graduates through structured internship pipelines and research-fellowship opportunities .

JSS College of Pharmacy, Ooty, established in 1980 and part of JSS Academy of Higher Education & Research, stands among the top five pharmacy institutions nationally, holding NAAC A+ accreditation and a #4 NIRF pharmacy ranking . Its Department of Pharmacology—active since 1988—provides doctoral candidates with specialized training in pharmacology and toxicology tracks, supported by CSIR-, DBT- and AICTE-funded research projects worth over ?3 crore. The college features a CPCSEA-approved centralized animal house, advanced instrumentation (FT-IR, microwave synthesizer, molecular modeling suites) and round-the-clock research facilities. Extensive MoUs with leading R&D organizations and a NABL-accredited drug-testing laboratory underpin strong industry linkages, while its placement cell sustains an over 80% placement consistency for postgraduate and doctoral scholars, facilitating roles in academia, regulatory bodies, and pharmaceutical R&D .

Recommendation:
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