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Pros and cons of taking investment risks with your partner

Believe it or not, like most of the contentious issues, different approaches to investing money can pose as big a threat to relationship than any other.

Written by Amrita Sharma | New Delhi |
October 28, 2015 3:21:04 pm
One of the things that may never cross the couple while entering into a relationship is their approach towards investing their money. (Source: Thinkstock Images) One of the things that may never cross the couple while entering into a relationship is their approach towards investing their money. (Source: Thinkstock Images)

One of the things that may never cross the couple while entering into a relationship is their approach towards investing their money. But believe it or not, like most of the contentious issues, different approaches to investing money can pose as big a threat to relationship than any other.

Take the case of Maya and Ashok, who almost parted ways because they were on the opposite sides of risk taking when it came to investment.

While Maya was out-and-out conservative when it came to investing, Ashok was more of a risk-taker, which often led to serious fights between them.

“I am of the belief that investing in property will get us great returns, but Maya just wouldn’t hear of it. I felt frustrated by her sense of insecurity in putting our money to what I felt was a good deal,” says Ashok.

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Maya, on the other hand, had a tough time dissuading Ashok from risking all that they had by investing in property, which would leave them with little liquid cash in their bank.

“Ashok was adamant about investing in CLP (construction-linked plan) but I felt we were blocking all our money in something which would take a lot of time to yield results. I preferred the safe investments in mutual funds and government bonds,” she said.

Experts say that most of the time how we approach risk-taking in investments reflects how we deal with life in general, and that’s how the couples should deal with it. They add that it’s not always about disagreements and egos but about our own insecurities and fears.

Counsellors advice that an open communication about why we are in favour or certain investment plans and why against, can help clear the air between the couples.

Once that is sorted out, it’s quite likely that the couple will reach a consensus on how to plan their investments.

Take the case of Sufiya and Zain. When it came to investment planning, they realised they were completely at odds on the issue.

“I wanted us to invest in this amazing office plot my friend was selling but Zain was absolutely against it. He just didn’t want us to touch our Fixed Deposits. I was furious at the opportunity we were losing,” said Sufiya.

When things reached fever pitch between them, they decided to consult a counsellor.

“During the session I realised that Zain’s fears of taking the risk with money stemmed from his previous experience where his father had lost all their wealth in stock market. He just could not bring himself to take such risks with money. But when I understood his reasons, things became much easier to deal with,” said Sufiya.

Counsellors suggest that the best way for couples to go about joint investment is to reach a common ground regarding risks to be taken. Once a couple reaches a consensus then investments start yielding not just monetary returns but have a positive impact on the relationship as well. After all, when a couple shares investments, they share trust, risks and a future together.

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