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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
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Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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
S Question by S on Apr 06, 2022English
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प्रिय अनु आशा है कि आप अच्छा कर रहे हैं। . मैं 23 साल का था।</strong><br /><strong>हम बहुत अच्छे दोस्त थे। मैंने उसे अंग्रेजी में मदद की और संदेश लिखने में मदद की जो वह अन्य लड़कियों को अंग्रेजी में भेजती थी। .</strong><br /><strong>उसने कुछ दिनों बाद मुझे प्रपोज किया।&nbsp;मैंने इसे स्वीकार कर लिया।</strong><br /><strong>वह शादी करना चाहता था , मुझे समय चाहिए था। <<strong>समय-समय पर मैं उसे अपनी समस्याओं के बारे में संदेश देता हूं और वह मुझे समाधान प्रदान करता है या कम से कम मुझे सांत्वना देता है।</strong><br /><strong>इस तरह हमारा दोस्ती की शुरुआत हो चुकी थी।</strong><br /><strong>अब 2 साल हो गए हैं। उसने मुझे कभी भी संदेश नहीं भेजा लेकिन हमेशा जवाब दिया। लेकिन मेरे कठिन समय में मेरी मदद की।</strong><br /><strong>मुझे नहीं पता कि यह क्या था। क्या वह भी मुझसे प्यार करता था?</strong><br /><strong>वह पूरी जिंदगी मुझसे दोस्ती करना चाहता है। मेरी दोस्ती या उपस्थिति उसे क्या प्रदान करती है?

Ans: <p>प्रिय एस,</p> <p>यह तथ्य कि आपने मुझसे यह प्रश्न पूछा है कि क्या वह आपसे बिल्कुल भी प्यार करता था, यह दर्शाता है कि आपके पास इसका उत्तर है।</p> <p>लोगों की कुछ हरकतें हमें काफी अस्थिर कर सकती हैं और मैं आपको इस तथ्य की ओर ध्यान दिलाना चाहूंगी कि दूसरी लड़की (शिक्षक) द्वारा अस्वीकार किए जाने के तुरंत बाद उन्होंने आपके सामने प्रस्ताव रखा था।</p> <p>यह आपको क्या बताता है?</p> <p>क्या ऐसा नहीं लगता कि वह संभवतः अस्वीकृतियों को सहन करने में असमर्थ है और हर समय अपने आसपास महिला की आभा को महसूस करना चाहता है?</p> <p&t;क्या ये संदेश आपके लिए किसी अधिक परिपक्व व्यक्ति को ढूंढने में सक्षम होने के लिए पर्याप्त नहीं हैं और कोई ऐसा व्यक्ति जो अपने जीवन में आपकी उपस्थिति का सम्मान करता है और उसे सुरक्षित महसूस कराने के बजाय प्यार और एक साथ जीवन के लिए आपसे शादी करना चाहता है, संपूर्ण और संपूर्ण?</p> <p>कभी भी किसी व्यक्ति में भावनात्मक खालीपन भरने की कोशिश न करें, जिसे उन्हें अपनी मर्जी से भरना होगा। एक बार जब आप इसे भर देते हैं, तो एक और खालीपन किसी और के द्वारा भरने की प्रतीक्षा कर रहा होगा और इससे पहले कि आपको पता चले, आप एक ऐसे जाल में फंस जाएंगे जिसे खोला नहीं जा सकता।</p> <p>आपकी उपस्थिति उसे महिला की गर्मजोशी, ध्यान और देखभाल प्रदान करती है जो आप संभवतः उस पर लुटाते रहे हैं।</p> <p>जब उसे कोई अन्य महिला यह पेशकश करती हुई मिलती है, तो वह उसे भी आज़माने के लिए तैयार हो सकता है। अपने स्वयं के व्यक्ति बनें, अपनी सीमाओं की रक्षा करें और उन लोगों को अंदर आने दें जो आपका पोषण करते हैं और आपको वैसे ही स्वीकार करते हैं जैसे आप हैं।</p> <p>अच्छे और खुश रहें!</p>

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

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Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

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हेलो मैम, मैं 19 साल की लड़की हूं. <br />2019 में, मेरे 10वीं बोर्ड के बाद, मेरी मुलाकात FB पर एक लड़के से हुई। वह मुझसे 9 साल बड़े थे. <br />वह वास्तव में एक अच्छा और मददगार व्यक्ति लग रहा था। और वह भी एक प्रतिष्ठित विश्वविद्यालय से अपना शोध कर रहे थे। <br />10वीं के बाद, मैंने प्रवेश परीक्षा की तैयारी शुरू कर दी। इसलिए, वह मुझे प्रेरित करते थे, मुझे मान्यता देते थे, मुझे अपने मॉक में बेहतर करने के लिए प्रोत्साहित करते थे। <br />यह सब ऑनलाइन हुआ। मैं आज तक इस आदमी से नहीं मिला हूं।<br /> उस समय उन्होंने मुझे भारत के सर्वश्रेष्ठ कॉलेज को लक्ष्य बनाने का सपना दिखाया जिसके बारे में मैंने पहले कभी सोचा भी नहीं था। और मैं भी इतना प्रेरित हुआ कि मैंने मन लगाकर पढ़ाई करना शुरू कर दिया। <br />इसके अलावा, मैं सत्यापन के लिए भावनात्मक रूप से उस पर निर्भर रहने लगा। वह इतना चालाक लड़का है कि धीरे-धीरे मुझे उससे प्यार होने लगा। <br />उन्होंने मुझसे कहा कि हमें इंतजार करना चाहिए और देखना चाहिए कि समय क्या तय करता है। लेकिन, धीरे-धीरे उन्होंने अपना असली रंग दिखाया। <br />वह मेरे साथ सिर्फ 'लाभ वाले मित्र' प्रकार के संबंधों में रुचि रखता था। <br />मैं इस पर पूरी तरह असहमत था। फिर दिन और महीने बीतते गए, उसके सत्यापन, चालाकी, जहरीले और उत्तेजक शब्दों ने मुझे अस्तित्व के संकट के सामने खड़ा कर दिया। <br />मैं पूरे दिन रोता रहता था। <br />2020 तक, लॉकडाउन चरण के दौरान, घर पर रहना, इन बकवास चीजों से निपटना और परीक्षा के दबाव ने मुझे अवसाद में धकेल दिया। <br />उसने मुझे हर एक चीज़ के बारे में असुरक्षित बना दिया... मेरी शिक्षा, पढ़ाई, परिणाम, मेरा रूप, मेरा मासूम स्वभाव, मेरी पिछली सफलता, मेरा भविष्य... हर एक चीज़। <br />आखिरकार मुझे पता चला कि वह सिर्फ अपने जीवन की कहानियाँ साझा करने में रुचि रखता था, अपने जीवन में एक भावनात्मक समर्थन प्राप्त करना चाहता था, एक अच्छा टाइमपास तत्व प्राप्त करना चाहता था, किसी दिन मेरे साथ अंतरंग होने की उम्मीद कर रहा था। </strong><br /><strong>इसके अलावा उसकी दिलचस्पी सिर्फ सफल लड़कियों और महिलाओं में थी। तो, मैंने उस समय बस यही सोचा था कि मुझे किसी भी कीमत पर अपनी प्रवेश परीक्षा में सफल होना है और फिर सब कुछ ठीक हो जाएगा।</strong><br /><strong>दुर्भाग्य से, मैं सफल नहीं हो सका . मैं अपने पहले प्रयास में क्वालीफाई करने में असफल रहा। <br />मैं गंभीर अवसाद में चला गया, मुझे कुछ ऑनलाइन मानसिक स्वास्थ्य पुनर्वास और परामर्श में भाग लेना पड़ा। <br />मेरे घावों पर नमक छिड़कने के लिए, उस लड़के ने खुलासा किया कि वह पिछले 1 साल से रिलेशनशिप में है। और वह बहुत खुश है. <br />मैं पूरी तरह टूट गया। 5-6 महीने तक मैं कुछ पढ़ नहीं पाया. मेरी परीक्षा बिल्कुल नजदीक है। <br />जो कुछ भी हुआ उसे मैं कैसे भूल सकता हूं और अपने काम पर ध्यान केंद्रित कर सकता हूं? <br />कृपया मेरी मदद करें और मेरा मार्गदर्शन करें... मैं अभी भी बार-बार भावनात्मक रूप से टूट रहा हूं।</strong></p>
Ans: <p>प्रिय एआई,</p> <p>आभासी रिश्ते की प्रकृति वैसी ही हो सकती है जैसा आपने बताया है।</p> <p>वस्तुतः जो साझा किया जा रहा है वह वास्तविकता नहीं हो सकता है और इसका पता लगाना कठिन है।</p> <p>अब जब आप जानते हैं, तो क्या यह एक सबक नहीं है कि अपनी खुशी के लिए अपने अलावा किसी और पर भरोसा न करें?</p> <p>क्या आपको कड़ी मेहनत से अध्ययन करना पड़ा ताकि आप उसकी पसंद &lsquo;सफल&rsquo; में फिट हो सकें; महिलाएं/लड़कियां?</p> <p>क्या आप अपने सपनों को जीने के लिए कड़ी मेहनत नहीं कर सकते?</p> <p>आपमें आत्म-प्रेम की कमी है! कुछ ऐसा जिस पर आपने ध्यान केंद्रित नहीं किया क्योंकि आप यह साबित करने के लिए कड़ी मेहनत कर रहे थे कि आप उसके जीवन में कितने प्रासंगिक हैं ताकि वह आपको चुने।</p> <p>भले ही यह रिश्ता काम करता हो, यह हमेशा उसका आह्वान होगा और उसके जीवन में कड़ी मेहनत करने के अलावा, इसमें कुछ भी नहीं बढ़ेगा।</p> <p>इसके अलावा, क्या यह खतरे की घंटी नहीं है जब उसने खुलासा किया कि वह एक साल से अधिक समय से रिलेशनशिप में है?</p> <p>अपने आप में वापस आने का समय। अपने आप को अधिक महत्व दें, अपने आप को अधिक प्यार करें&हेलीप;यदि आप ऐसा नहीं करेंगे, तो कोई और नहीं करेगा!</p> <p>हर सुबह की शुरुआत ये छोटे-छोटे काम करके करें:</p> <ul> <li>जीवित रहने के लिए आभार</li> <li>ऐसी 3 चीज़ें सूचीबद्ध करें जो आपको अपने बारे में पसंद हैं</li> <li>हर दिन कम से कम 15 मिनट के लिए एक ऐसा काम करें जो आपको पसंद हो</li> <li>प्रकृति में समय बिताएं</li> <li>अपने आप को उन लोगों से घेरें जो आपसे प्यार करते हैं</li> </ul> <p>ये आपको बुरे दौर से बाहर निकालने के लिए आज़माए और परखे हुए तरीके हैं।</p> <p>फिर से, अपने आप को और अधिक प्यार करें!</p> <p>शुभकामनाएं!</p>

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Anu

Anu Krishna  |1612 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

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हेलो मैम,</strong><br /><strong>मैं पिछले 10 सालों से अपने स्कूल के एक लड़के से दोस्त हूं। हम एक-दूसरे को बहुत अच्छी तरह से जानते हैं। <br />मैंने उसे <em>राखी</em> भी बांधा; सिर्फ हमारी दोस्ती की रक्षा के लिए; मैं बहुत नादान था. </strong><br /><strong>पिछले महीने से हम अक्सर एक-दूसरे से मिल रहे हैं और पारिवारिक मुद्दों, भविष्य के लक्ष्यों आदि के बारे में बातचीत करते हैं और इन सभी बातचीत के दौरान वह शादी के विषय पर आते थे और मेरे लिए संकेत दिए। यह हो रहा है। आपको इन विचारों पर ध्यान नहीं देना चाहिए।'</strong><br /><strong>मुझे क्या करना चाहिए? मैं उलझन में हूं कि क्या मैं उससे प्यार करता हूं या यह वैसा ही था जैसा वह सोचता है? </strong><br /><strong>कृपया इसे गुमनाम रखें.</strong><br /><strong>धन्यवाद.</strong></p>
Ans: <p>प्रिय एएस,</p> <p>तो भाईचारे की भावनाएं प्यार में बदल गईं?</p> <p>मुझे लगता है कि जब आपने <em>राखी</em> बांधी, तो आप बस इस तथ्य का सामना करने से बचने की कोशिश कर रहे थे कि उसके लिए पहले से ही भावनाएँ रही होंगी, और उसके साथ संबंध को सील करना सुविधाजनक था एक <em>राखी</em> संभव?</p> <p>अब जब दोनों को पता चल गया है कि यह उससे कहीं अधिक हो सकता है जो आपने शुरू में सोचा था, तो कृपया परिपक्व व्यक्तियों की तरह बैठें और इसके बारे में बात करें।</p> <p>यदि एक-दूसरे के प्रति भावनाएं वास्तव में मौजूद हैं तो उनसे बचने की कोशिश करने का कोई मतलब नहीं है। जिसके बाद, आप दोनों कार्रवाई का सही तरीका तय कर सकते हैं।</p> <p>इसके अलावा, संकेत देना आपकी इच्छा या आशा के आधार पर स्थिति का आकलन हो सकता है।</p> <p>यह आपकी ओर से एकतरफा हो सकता है, इसलिए बेहतर होगा कि खुलकर बातचीत की जाए और इन सभी शंकाओं और अनिश्चितताओं को दूर किया जाए।</p> <p>समझ में आता है? अब और इंतज़ार न करें&hellip;</p> <p>शुभकामनाएं!</p>

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Kanchan Rai  |597 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2024

Relationship
Hello I am a 40 year old married female. Off late I started feeling attracted to my married Male Friend of last 5 years. I love my husband a lot and can never think of betraying him. But I feel happy in the company of this friend of mine. He sort of has the qualities i always wanted from my husband and as we all know not everyone can possess every quality. I was aware about his liking towards me like he used to flirt with me someway or other also recently he admitted the same to me that he likes me since our first meeting. As we are family friends and stay in the same building, we keep meeting often with family and sometimes only two of us as we like spending time talking to each other. In our recent visit we hugged each other in the rush of emotions. We both got just blown away by the surreal feeling. We admitted the same to each other. After this meeting we kept messaging each other the whole day and so on for next few days and suddenly one day he said he fears this might ruin our family friendship and started ignoring and maintaining distance, he stopped messaging or calling me without discussing anything. But now I am attracted to him so much that I can not take his absence or apathy towards me and want to have cordial relations like we were before, when it was not vocal between us that we like each other. I am not able to adjust to the fact that the person who used to admire and respect me so much and wanted to have a lifelong friendship can become suddenly so distant. I want an advise whether I am wrong in expecting atleast a normal relation like friendship to continue between us. As we have never crossed our boundaries and hugging once will not count as betrayal. Please guide I want him back as before.
Ans: a close relationship with someone outside your marriage, especially when emotions are involved, introduces challenges. You’re aware of this already, and it seems your friend has also recognized the complexities, likely explaining his sudden need for distance. Often, when feelings come to the surface, they carry a weight that makes people reconsider their boundaries to protect the larger relationships at play—in this case, both of your marriages and family dynamics. This pullback doesn’t negate his admiration or the value he places on your friendship but rather reflects the reality of the situation and the need to guard against further complications.

You might find it helpful to explore what exactly you’re drawn to in your friend’s qualities. It could be that he reflects an aspect of yourself you wish to bring into your own relationship. Identifying these qualities is powerful, as it can help you shape a conversation with your husband, potentially bringing deeper fulfillment to your marriage. Many couples find new dimensions in their relationship when they openly discuss what they yearn for and ways to bring those qualities to life together. While it may feel challenging, these conversations can foster intimacy and growth.

It’s also worth noting that maintaining your friend’s respect and allowing him space is likely the best way to preserve your connection long-term, even if it feels painful right now. His distance might ultimately help both of you return to a place of friendship, but pushing for that too soon might complicate things further. In the meantime, remember that it’s natural to feel a loss or a longing for a friend’s company when circumstances shift. Practicing self-compassion and care can be grounding during times like this, as can seeking other outlets for support, such as close friends, hobbies, or moments of solitude that allow you to process your emotions.

Time and patience may help bring this friendship back to a more natural and comfortable place, but focusing on your marriage and yourself will allow you to stay true to your values and find a sense of peace, regardless of the ultimate outcome with your friend.

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Nayagam P

Nayagam P P  |5570 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Career
Sir i got ECE(Embedded systems) with an minor course of artificial intelligence and machine learning in VIT-AP under fee category 1 is it is good course to join and can we get good packages with that course
Ans: VIT-AP’s ECE (Embedded Systems) with a minor in AI/ML under Category 1 fees is a strong choice, blending core electronics with cutting-edge AI applications. The program offers ABET-accredited coursework covering ARM architecture, FPGA design, IoT, and real-time operating systems, complemented by AI/ML modules like Python, neural networks, and data analytics. Labs feature NVIDIA Jetson Nano kits, ARM Cortex-M boards, and industry tools (TensorFlow, MATLAB), ensuring hands-on expertise in embedded-AI integration. While core ECE roles (embedded developer, IoT engineer) are prioritized, the AI/ML minor enables transitions into AI-driven robotics, automotive systems, or industrial automation. VIT-AP’s 95% placement rate (2024) for ECE includes recruiters like Intel, Bosch, and Samsung for embedded roles, while TCS/Infosys hire for AI/ML-adjacent IT positions. The curriculum’s 30+ industry projects (e.g., drone navigation using ML) enhance employability, though niche AI roles may require certifications (NVIDIA DLI, AWS ML). Category 1’s lower fees (?7.8L tuition) make it cost-effective, but ensure proactive skill-building via hackathons and research papers to leverage hybrid ECE-AI opportunities. All the BEST for your Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |8616 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 31, 2025

Asked by Anonymous - May 31, 2025
Money
Sir, I have closed my ppf account and got 10 lacs. Should I invest these in mutual fund or repay my home loan(at 8.25%). Request to share few of good mutual funds.
Ans: You have shared detailed inputs. I really appreciate your clarity and effort. Your goals are big and your commitment towards them is sincere. Now let us assess your mutual fund portfolio, analyse gaps and plan a proper rebalancing strategy.

Below is a complete 360-degree review of your investments and recommendations.

Investment Goals Review
You have two important goals.

First, Rs 1 crore for your child’s education after 10 years.

Second, Rs 1 crore for your retirement after 10 years.

Both goals are clear, time-bound and realistic.

Your goal-based investing mindset is appreciable.

Your high risk appetite also helps in targeting long-term wealth creation.

Since your goals are after 10 years, an equity-oriented strategy suits you well.

But continuous monitoring and timely rebalancing is important.

Staying invested is not enough. Strategic adjustments are needed over time.

Let us evaluate your existing SIPs next.

Existing SIP Portfolio Assessment
You are currently investing Rs 15,500 every month through SIPs.

All your funds are from equity categories.

Your portfolio has coverage in large cap, mid cap, flexicap and large & mid cap.

This gives a decent diversification within equity.

There is sectoral and market cap mix in place.

You have avoided overlapping funds, which is good.

Overall fund selection shows that you are targeting growth.

The portfolio leans more towards mid cap and flexicap strategies.

These have potential for high growth but also higher volatility.

A balance of stability and growth is needed going ahead.

There is no hybrid or balanced allocation yet.

This limits protection during market downturns.

SIP amounts also need to be increased gradually towards your Rs 25,000 limit.

Let us now look at your discontinued SIPs.

Analysis of Discontinued SIPs
You have stopped SIPs in two equity funds.

First, a small cap fund with Rs 56,000 invested.

Second, an emerging bluechip fund with Rs 2.64 lakhs invested.

You have not redeemed them yet.

Retaining them without active investment creates portfolio imbalance.

These funds are lying idle without a goal alignment.

Small caps are highly volatile and risky in nature.

In a high-risk profile, small caps are okay but in limited exposure only.

The emerging bluechip fund has a mid and large cap mix.

But as you have stopped SIPs here, it's not adding consistency anymore.

Keeping these without integration weakens your portfolio structure.

You must rebalance and reinvest them wisely.

Rebalancing Strategy for Idle Funds
You can plan fresh allocation from the Rs 3.2 lakh idle investments.

Divide it between small cap and hybrid funds.

Allocate Rs 1 lakh to small cap fund in lumpsum.

Use only a high-quality, consistently performing small cap fund.

Start fresh SIP of Rs 2,000 in the same small cap fund monthly.

Avoid sector-based or thematic small caps. Use only diversified fund.

Allocate remaining Rs 2.2 lakhs into a hybrid aggressive equity fund.

This hybrid fund will provide cushion during volatile market periods.

Hybrid funds offer growth and protection.

They rebalance equity and debt dynamically.

They reduce emotional panic during market corrections.

Also start SIP of Rs 2,000 in the same hybrid fund.

Gradual entry through SIP helps reduce risk.

Monthly SIP Reallocation
You can invest up to Rs 25,000 monthly in SIPs.

You are currently investing Rs 15,500.

Increase SIPs by Rs 9,500 across suggested categories.

Here is a balanced approach for this:

Increase flexicap fund SIP by Rs 2,000.

Start fresh SIP in hybrid aggressive fund for Rs 2,000.

Start fresh SIP in a small cap fund for Rs 2,000.

Increase SIP in large and midcap fund by Rs 1,500.

Increase SIP in large cap fund by Rs 2,000.

This mix will offer growth and controlled volatility.

Key Strengths in Your Portfolio
You are consistent in SIP investments.

You have selected funds from different categories.

Your goals are clear and measurable.

You have stopped some SIPs but not exited impulsively.

You have stayed invested in equity through all phases.

Your risk profile is well aligned to your strategy.

Areas That Need Improvement
There is no allocation to hybrid or debt.

All current SIPs are in pure equity.

Portfolio lacks downside protection.

Small caps need to be handled cautiously.

Idle investments must be put to use.

SIP amount is under-utilised. You can invest more.

No automatic rebalancing mechanism is in place.

Future goals need better alignment with asset allocation.

Importance of Diversified Allocation
Equity is good for growth.

But combining it with hybrid gives better stability.

Flexicap and large & mid cap give market-wide coverage.

Small cap must be less than 10-15% of overall portfolio.

Hybrid funds manage asset mix smartly.

They reduce emotional decision-making in volatile markets.

Flexibility in funds increases long-term success.

Risk Management Suggestions
Equity funds carry market risk.

Small cap and mid cap have high volatility.

Avoid overexposure to one market cap.

Limit small cap exposure to 10-12% of total.

Maintain some investments in hybrid or balanced funds.

Don’t try to time the market.

Stay invested through ups and downs.

Review your portfolio once every 6 months.

Taxation Awareness
When selling equity mutual funds:

LTCG above Rs 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20%.

Plan redemption only after checking tax impact.

Keep track of each fund’s holding period.

Avoid Direct Funds
You did not mention direct funds. But here is a key note.

Direct funds may look cheaper.

But they don’t offer guidance or support.

Investing through an MFD with CFP certification adds great value.

You get timely reviews, goal alignment and hand-holding.

Many investors lose more by mistakes in direct funds.

Avoid Index Funds
Index funds follow a passive strategy.

They just copy the market index.

No active selection or exit is done by the fund manager.

During market falls, index funds also fall without protection.

Actively managed funds aim for better risk-adjusted returns.

Good active funds can beat benchmarks consistently.

Next Steps to Follow
Reinvest idle funds into small cap and hybrid fund.

Start fresh SIPs of Rs 2,000 in each.

Increase existing SIPs to reach Rs 25,000 monthly.

Focus on flexicap, hybrid, large and midcap.

Keep small cap SIP under 15% of monthly SIP.

Stay invested with discipline for 10 years.

Don’t panic during market corrections.

Do portfolio review every 6 months.

Take guidance from Certified Financial Planner regularly.

Finally
You have built a good foundation.

You just need sharper planning now.

Your goals are possible with a better structure.

Rebalance idle investments.

Allocate monthly SIPs smartly.

Focus on stability, growth and discipline.

You are on the right track. Continue with focus and patience.

A Certified Financial Planner can guide you further with custom planning.

Keep your financial journey goal-driven and well-monitored.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Nayagam P

Nayagam P P  |5570 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Asked by Anonymous - May 30, 2025
Career
Respected sir, 144.5 cutoff. In VITEEE rank 86687.In JEE 74.26 PERCENTIEL.. WHICH ONE I HAVE TO SELECT IN CES ECE AND THE POSSIBILITY
Ans: I assume you are referring to TNEA Counselling for 144.5 Cutoff. Answer to your question: With a TNEA cutoff of 144.5, admission to CSE or ECE in top Tamil Nadu colleges like Anna University, PSG Tech, or CIT is not feasible, as their cutoffs for these branches are much higher. However, you have good chances for CSE, ECE, or IT in reputable mid-tier colleges such as Hindusthan Institute of Technology (Coimbatore), Sree Sastha College of Engineering (Thiruvallur), Prathyusha Institute of Technology and Management (Thiruvallur), M Kumarasamy College of Engineering (Karur), and Government College of Engineering, Bargur, all of which typically accept students with cutoffs in the 140–160 range. Branches like Mechanical, Civil, and EEE are also accessible in these institutions. With a VITEEE rank of 86,687, CSE or ECE at VIT Vellore or Chennai is not possible, but you are eligible for CSE, ECE, IT, or allied branches at VIT-AP and VIT Bhopal, typically under higher fee categories. For JEE Main, a 74.26 percentile does not secure CSE/ECE in NITs or IIITs but may help in private universities or state counseling. Overall, prioritize CSE or ECE in mid-tier Tamil Nadu colleges through TNEA and consider VIT-AP or VIT Bhopal for similar branches, focusing on institutions with solid placement records and infrastructure. All the BEST for your Admission & a Prosperous Future!

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Nayagam P

Nayagam P P  |5570 Answers  |Ask -

Career Counsellor - Answered on May 31, 2025

Career
Sir my son has two career choices one is merchant navy deck side and another one is computer science in GL Bajaj and for jaypee institute wr are waiting for counselling , it might be possible that he get it in sector 128 jaypee , being a mother i am so confused that shall i go with merchant navy but then again he has to go on ship for around 6 month , kindly help
Ans: Both Merchant Navy (Deck Side) and Computer Science at GL Bajaj or Jaypee Institute offer distinct career trajectories. The Merchant Navy provides an adventurous, well-structured path starting as a deck cadet, requiring a minimum of 60% in PCM, physical fitness, and a strong commitment to extended periods at sea—typically six months onboard, followed by shore leave. Progression involves pre-sea training, 18 months of sea service, and successive exams for officer ranks, but the lifestyle demands long separations and adaptability to challenging environments. In contrast, Computer Science at GL Bajaj or potentially Jaypee (Sector 128) offers a stable, land-based career with opportunities in software, IT, and emerging tech fields, allowing for greater work-life balance and proximity to family. If your son is passionate about travel, maritime life, and can handle long durations away from home, Merchant Navy can be rewarding and prestigious. However, if family presence, flexibility, and a technology-driven career are priorities, Computer Science from a reputable institute is preferable, especially as the tech sector offers diverse roles and growth. Consider his temperament, adaptability, and long-term lifestyle preferences before making a decision. All the BEST for your Son's Admission & a Prosperous Future!

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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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