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Ans: Planning for your daughters' education is a wise decision. To build a corpus of 1 - 2 crores over the next decade, you have various options for lump sum and SIP investments.

For a lump sum investment of 10 lakhs, you might consider allocating it across a mix of equity and debt funds to balance risk and return. Equity funds typically have higher potential returns but also higher volatility, while debt funds offer stability but lower returns.

Here's a potential allocation:

Equity Funds (70%): Invest 7 lakhs in a mix of large-cap, mid-cap, and multi-cap funds for long-term growth potential.
Debt Funds (30%): Allocate 3 lakhs to debt funds for stability and capital preservation.
For SIP investments of 20,000 per month for 5 years, you can diversify across various mutual funds to spread risk and optimize returns. Here's a suggested allocation:

Large-cap Funds: 40% of SIP amount
Mid-cap Funds: 20% of SIP amount
Multi-cap Funds: 20% of SIP amount
Debt Funds: 20% of SIP amount
Remember to review your portfolio periodically and adjust your investments based on changing market conditions and your daughters' education timelines. Consider consulting with a certified financial planner for personalized advice tailored to your specific goals and risk profile.

Ans: To achieve your financial goal for your daughters' future, you can consider a combination of equity mutual funds for long-term growth and debt investments for stability. For the lump sum investment of INR 10 lakhs, you can allocate a portion to diversified equity funds and the remainder to debt or balanced funds for stability. For the monthly SIP of INR 40,000 to 50,000, you can diversify across large-cap, mid-cap, and multi-cap equity funds, along with a portion in debt funds for balance. Ensure to review and adjust your portfolio regularly to align with your financial goals and risk tolerance.

Ans: Considering your goal of building a corpus fund of 1-2 crore in 10 years for your daughters' future, there are a few approaches we can consider. Here are some options:

Lump Sum Investment:
You can consider allocating your lump sum of INR 10 lakhs across a diversified portfolio of mutual funds. Here are some categories you may want to explore:

Large Cap Funds
Mid Cap Funds
Multi Cap Funds
Balanced Advantage Funds
It's important to diversify your investments across different asset classes and fund categories to mitigate risk. You can consult with a financial advisor to tailor the allocation based on your risk tolerance and investment objectives.

SIP Investments:
For SIP investments averaging between INR 40,000 to 50,000 per month for 5 years, you have a substantial amount that can be spread across different funds. Here's a suggested allocation:

Large Cap Funds: 40-50%
Mid Cap Funds: 20-30%
Small Cap Funds: 10-20%
Balanced Advantage Funds: 10-20%
By diversifying your SIP investments across these categories, you can benefit from the growth potential of different segments of the market while managing risk. Ensure you review and rebalance your portfolio periodically to align with your financial goals and market conditions.

Remember, it's crucial to conduct thorough research or seek advice from a financial advisor before making any investment decisions. Additionally, consider factors such as your risk appetite, investment horizon, and financial goals when selecting funds.

Ans: Excellent way to go Chandra. Good mutual fund picks you have done. add two more SIP's if you like, one in a balanced fund and one in a multi-cap fund. good luck

Ans: Dear Chandra,
I am glad that you are putting in all efforts in a non-sexual manner which is what most people miss out on.
But since it isn't working, I think it could be just caring for two young children. It can sap a woman's/primary caregiver's energy to a point that intimacy is the last think on her mind.
You children are at an age where they are dependent on parents and also are full on energy with high demands. This could be the reason as well.
I would also suggest that with growing demands from the children in terms of time and attention, what might be overlooked is your wife has some vitamin deficiency which can lead to lethargy, lack of interest and more. My suggestion would be to visit a doctor who will write down specific tests that may get to the root of the problem.
Till then, be the supportive husband that you have been AND a call girl is a momentary rush of adrenaline; so be wise...

All the best!

Ans: Dear Chandra,
This is so common especially in nuclear families where the responsibility of managing the home and children falls on the woman. This can be tiring at the end of the day and sex maybe the last thing on her mind.
Also, many women lose their sex drive owing to their self-image (how they look at themselves).

Intimate moments outside of the bedroom can help and that's not smooching and touching etc. Intimacy can be created by making her feel good about herself too.
1. Compliment her a lot
2. Appreciate her efforts at making the home and caring for the children
3. Enable her to take time off over the weekends where she can step out with her friends
4. Cook her a meal
Getting the drift?
Treat her like a beautiful woman outside the bedroom and that is intimacy enough. Let her have her space to feel pampered and loved. And this might change a lot inside the bedroom.

And please, don't put timelines on sex; it's not a goal to be reached; instead enjoy the little moments of creating togetherness. Focus on the journey.

All the best!