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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Dr Upneet Kaur |37 Answers |Ask -Follow

Marriage counsellor - Answered on Mar 25, 2025

Dr Upneet Kaur is a medical professional and therapist based out of Amritsar.
After completing her bachelor’s degree in Ayurvedic medicine and surgery from the SKSS Ayurvedic College and Hospital, Sarabha, Punjab, in 2008, she worked as a medical officer at various multi-specialty hospitals in Punjab, handling both physical and mental patient care and clinical decision-making. She spent the next decade leading multidisciplinary teams at various levels.
Since 2022, she has been practising as a clinical psychologist and marriage counsellor.
Dr Upneet also holds an MBA in hospital management from Alagappa University, Tamil Nadu, and an MA in psychology from the Indira Gandhi National Open University.... more

Asked by Anonymous - Mar 20, 2025

Hello Dr Kaur. My husband chats with random women online at night. We have been married for 5 years and have a 2 year old daughter who sleeps next to us. It is embarrassing and I have caught him secretly checking out women on dating apps and social media. I don't know if he is casually browsing, dating or having an affair outside of our marriage. When I walk into the room, he will switch off his screen and pretend to sleep or work on something important and change the topic immediately. Ours is an arranged marriage. How do I discuss this nicely without offending him? Please help.

Ans: Hello mam
It's completely understandable that you're feeling concerned, embarrassed, and unsure about how to approach this situation. As a relationship counselor, I'd suggest that you choose a calm and private moment to talk to your husband, avoiding any blaming tone. Start expressing your feelings and concerns. You could say, "Hey, I wanted to talk to you about something that's been bothering me. I've noticed that you're often on your phone at night, and I feel uncomfortable not knowing what's going on. Can we talk about what's going on and why you're doing this?" In this way, you may be able to have a more open and honest discussion about what's going on and work together to find a resolution that strengthens your relationship.
Take care!
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

RelationshipReply

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Kanchan Rai |586 Answers |Ask -Follow

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

Asked by Anonymous - Nov 01, 2024English

Relationship

हाय, मेरे पति और मैंने 9 साल की डेटिंग के बाद प्रेम विवाह किया है, अब इस बात को 6 साल हो गए हैं और उसके बाद दो बच्चे हैं, छोटा 8 महीने का है। जहाँ तक मुझे पता है, उनका एक संक्षिप्त संबंध था जो ज्यादातर चैटिंग तक ही सीमित था, जो उसी कंपनी में काम करने वाली किसी महिला से था, लेकिन उनका विभाग उनसे अलग था, जब मेरा छोटा बच्चा 1 महीने का था, हम उस समय बच्चे के जन्म की कठिनाइयों और पारिवारिक ड्रामा के कारण मुश्किल दौर से गुज़र रहे थे। फिर जब मुझे इस बारे में पता चला, तो मैंने उनके फोन को चेक किया और उनसे बात की, तो उन्होंने अपनी गलती स्वीकार की और माफ़ी मांगी। और कहा कि वह ऐसा दोबारा नहीं करेंगे, लेकिन मैंने उन्हें फिर से चैट करते हुए पकड़ लिया और उन्होंने कहा कि वह गलत हैं और अब उनके अनुसार उन्होंने उस लड़की से बात करना कम कर दिया है। लेकिन मुझे लगता है कि वह उससे बहुत कम बात करते हैं, क्योंकि वह उनसे जूनियर हैं और कभी-कभी मदद मांगती हैं। मैं अपने पति से बहुत प्यार करती हूँ, लेकिन इस बात ने मेरे आत्मसम्मान को ठेस पहुँचाई है और मैं मानसिक रूप से बहुत प्रताड़ित हूँ। मुझे पता है कि मेरे पति मुझे नहीं छोड़ेंगे, लेकिन मैं ऐसे रिश्ते में नहीं रहना चाहती जो मेरे साथी को बोझ लगे। मैं चाहती हूँ कि मेरे पति भी खुश रहें। मैं बहुत उलझन में हूँ कि क्या करूँ। मैंने उनसे कई बार बात की है, हर बार उन्होंने मेरी बात सुनी और मुझे शांत करने में मदद की, कई बार हमारे बीच लड़ाई भी हुई। लेकिन मैं शांत नहीं हूँ। उस लड़की ने भी 2 साल पहले ही अपने प्रेमी से शादी की है। मैं किसी भी तरह से अपने पति की प्रतिष्ठा को नुकसान नहीं पहुँचाना चाहती। लेकिन मैं बहुत दुखी भी हूँ। मैं पिछले 3-4 दिनों से आपका कॉलम पढ़ रही हूँ। मैं आर्थिक रूप से भी स्वतंत्र हूँ। मुझे उनसे कुछ नहीं चाहिए, बस उनका प्यार चाहिए। लंबा होने के लिए माफ़ करें, कृपया मेरी मदद करें।

Ans: आपके दिल में यह स्पष्ट है कि आप उससे बहुत प्यार करते हैं और आदर्श रूप से, आप अपने परिवार और रिश्ते को बनाए रखना चाहते हैं। हालाँकि, मान्यता, प्यार और सम्मान की अपनी ज़रूरतों को नज़रअंदाज़ न करना ज़रूरी है। कभी-कभी, माफ़ी की प्रक्रिया में मज़बूत, स्पष्ट सीमाएँ तय करना शामिल होता है। आपके पति को यह समझने की ज़रूरत है कि जब आप रिश्ते को बेहतर बनाने के लिए काम करने को तैयार हैं, तो भरोसा कमज़ोर होता है और इसे बहाल करने के लिए प्रतिबद्धता की ज़रूरत होती है। इसका मतलब यह हो सकता है कि इस सहकर्मी के साथ सभी संचार को पूरी तरह से पेशेवर और पारदर्शी रखने के लिए उनकी ओर से प्रतिबद्धता हो, या ज़रूरत पड़ने पर उसके साथ बातचीत को पूरी तरह से कम करने का फ़ैसला भी हो सकता है। इन सीमाओं को स्पष्ट रूप से व्यक्त करने से उसे यह समझने में मदद मिल सकती है कि दांव पर क्या है।

यह याद रखना भी ज़रूरी है कि विश्वासघात से उबरना एक त्वरित प्रक्रिया नहीं है। आश्वासन और सीमाएँ होने के बावजूद, चोट, विश्वासघात और क्रोध की आपकी भावनाएँ अप्रत्याशित रूप से सामने आ सकती हैं। इस प्रक्रिया में खुद के साथ कोमल रहें और अपने लचीलेपन को मज़बूत करने के लिए अपने भीतर की ओर मुड़ने पर विचार करें। वित्तीय स्वतंत्रता एक अविश्वसनीय ताकत है, और अपने जीवन के उन पहलुओं पर ध्यान देना जो आपको व्यक्तिगत संतुष्टि प्रदान करते हैं, आधार प्रदान कर सकते हैं। अपनी खुद की भलाई में निवेश करने से आपको अधिक केंद्रित महसूस करने में मदद मिलेगी, चाहे यह यात्रा आपको कहीं भी ले जाए।

यदि, किसी भी बिंदु पर, आपको लगता है कि उसके कार्य उसके शब्दों के अनुरूप नहीं हैं और उस विश्वास को फिर से नहीं बनाया जा सकता है, तो याद रखें कि ऐसा रास्ता चुनना जो आपकी मानसिक शांति को प्राथमिकता देता है, विफलता नहीं है। कुछ जोड़े यह भी पाते हैं कि एक अस्थायी अलगाव स्पष्टता प्रदान करने में मदद करता है; इसका मतलब यह नहीं है कि रिश्ता खत्म हो गया है, लेकिन यह रीसेट करने, प्रतिबिंबित करने और यह तय करने का मौका हो सकता है कि क्या आप दोनों भविष्य के लिए अपनी दृष्टि में वास्तव में संरेखित हैं।

अंत में, जो सबसे अधिक मायने रखता है वह यह है कि आप सम्मानित, मूल्यवान और प्यार महसूस करते हैं, जो आपके आत्म-मूल्य से समझौता नहीं करता है। यह स्थिति एक चुनौतीपूर्ण अध्याय है, लेकिन स्पष्टता, सीमाओं और पेशेवर समर्थन के साथ, आप एक ऐसा रास्ता खोज सकते हैं जो आपके पति और आपकी खुद की गरिमा के लिए आपके प्यार दोनों का सम्मान करता है।

Ravi Mittal |587 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024English

Relationship

नमस्ते, मैंने 9 साल की डेटिंग और 6 साल बाद प्रेम विवाह किया है, शादी के बाद 2 बच्चे हैं, मेरा छोटा बच्चा अभी 11 महीने का है। मेरे पति का अपनी कंपनी में किसी से चैटिंग तक का अफेयर है, जो उनसे जूनियर है लेकिन अलग विभाग में है, जब मेरा छोटा बच्चा 1 महीने का था, तब बच्चे के जन्म और पारिवारिक ड्रामा के कारण हम मुश्किल दौर से गुज़र रहे थे। जब मैंने यह देखा और उनसे इस बारे में बात की, तो उन्होंने कहा कि उन्हें खेद है और वे ऐसा दोबारा नहीं करेंगे, उसके बाद 3-4 महीने तक हमारे बीच कई बार इसी कारण से झगड़े हुए, लेकिन वे ज्यादातर सुनते और सांत्वना देते। यह मेरे लिए बहुत मानसिक यातना रही है। मैं अपने पति से बहुत प्यार करती हूँ और वे एक अच्छे इंसान हैं, लेकिन कभी-कभी मैं उनके फोन में उनके संदेश देखती हूँ जिसमें वे छोटी-मोटी मदद या आकस्मिक संदेश माँगते हैं। वह भी शादीशुदा है। मुझे नहीं पता कि मेरे पति संदेश डिलीट करते हैं या क्या करते हैं, मैं इससे उबर नहीं पा रही हूँ। इससे पहले, यह काफी अच्छा रिश्ता था। मैं उच्च शिक्षित और स्वतंत्र महिला हूँ। मुझे अपने पति से प्यार के अलावा कुछ नहीं चाहिए। मुझे क्या करना चाहिए, जब भी मैं उनसे कहती हूँ कि मैं बस जाना चाहती हूँ और उन्हें अपनी ज़िंदगी जीने देना चाहती हूँ, तो वह किसी तरह मुझे ऐसा करने नहीं देते। हम हफ़्ते में 2-4 बार अच्छे शारीरिक संबंध बना रहे हैं (सिर्फ यह बताने के लिए कि हम कहाँ हैं)। कृपया मेरी मदद करें... मैं इस बात पर काबू नहीं पा सकती कि वह मुझे बेवकूफ़ बना रहे हैं...

Ans: प्रिय अनाम,
मुझे यह सुनकर खेद है कि आप इतनी मुश्किल स्थिति में हैं। मैं विवाह परामर्श पर विचार करने का सुझाव दूंगा। एक पेशेवर जो आप दोनों को इन मुद्दों से निपटने में मदद कर सकता है, इस स्थिति में मददगार होगा। मैं समझता हूं कि यह उसकी गलती थी और उसे आपको फिर से उस पर भरोसा दिलाने के लिए प्रयास करने की आवश्यकता है, लेकिन चूंकि आप अभी भी साथ हैं, इसलिए आपको इसे स्वीकार करने के लिए भी प्रयास करना होगा। मुझे पता है कि यह मुश्किल है और यहीं पर विवाह परामर्शदाता की भूमिका आती है। वे आपको इन भावनाओं से निपटने में मदद कर सकते हैं। इसके अलावा, अगर वह वास्तव में कुछ छिपा रहा है, तो थेरेपी उसे खुलकर सामने लाने में मदद कर सकती है।

उम्मीद है कि यह मददगार होगा।

Anu Krishna |1600 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 22, 2024

Relationship

Hi Anu, I'm 36 year old working professional. I have two young kids they are 3 and 7. My husband always speak about other women like he wants to have sex with them. As of now he has not cheated on me. He had affairs before our marriage. His recent talks hurts me a lot. Please advise how I can overcome this. Whenever we go out in the road if he sees any woman he comments sexually. These things are bothering me. Apart from this he is a night drinker but I don't interact with him whenever he is drunk and I just got to sleep. Please help.

Ans: Dear Anonymous,
Your husband needs a lesson or two on how to be respectful within the marriage and especially towards his spouse.
Maybe just to counter his actions, the next time you are out, comment on other men that you see on how handsome they are. It may seem foolish but at times 'taste of one's own medicine' can do the trick.
Also, it is necessary to tell him how you feel...his bachelor days are behind him but if he brings that wild behavior into a marriage, he is drawing a wedge between the two of you and this he needs to know...so do tell him!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

नवीनतम प्रश्न

Nayagam P P |4532 Answers |Ask -Follow

Career Counsellor - Answered on May 16, 2025

Question by Dhruv - May 16, 2025

Career

Sir i got passed in 2024 in cbse from 59.8 marks i have given improvement 2025 i improved only in english with 12 number but also got less and rt in 2 of them if I consider best of 2 then my percentage is 62.22 sir i have filled forms which has 60 percentage criteria is i am eligible

Ans: Dhruv, You are eligible for the form with a 60% cutoff based on your best marks (62.22%). But since you have RT in 2 subjects, you cannot appear for improvement in those subjects; you must clear them through compartment exams first. Check with your school/board for compartment exam dates and eligibility.

Nayagam P P |4532 Answers |Ask -Follow

Career Counsellor - Answered on May 16, 2025

Asked by Anonymous - May 16, 2025

Career

In my jee result form my name is Tarun Kumar but in my aadhar card and 10th marksheet it is mentioned as Tarun Kumar sharma will it be a problem in Jac counselling process

Ans: Your name appears as 'Tarun Kumar' in the JEE result because you entered it that way while filling out the application form. The difference between 'Tarun Kumar' and 'Tarun Kumar Sharma' may cause a minor verification issue during counselling, but this can usually be resolved with supporting documents or an affidavit. It is advisable to proactively inform the authorities and keep all relevant documents ready to ensure smooth processing.

Dr Nagarajan J S K |404 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 16, 2025

Question by Bishweswar - May 16, 2025

Career

My daughter score 58 percent in physics, chemistry and Biology,wants to pursue biotechnology. Please suggest. Thanks. English score 91,Fnd score 96 and phe score 90.

Ans: Hi Bishweswar,

In which subject—Physics, Chemistry, or Biology (PCB)—does she excel? Based on her marks, she appears to be an average student. You will need to consider her future prospects. After completing her undergraduate or postgraduate studies, she will be looking for a job. If she chooses to pursue biotechnology, it might be challenging to find employment in the industry, especially since her marks in PCB are below 60%. Typically, industries prefer candidates with at least 70% marks.

Given these circumstances, I suggest that she consider a nursing course, especially since there are excellent opportunities available in this field for women. This could be a more promising path for her future.

This is my recommendation.

BEST WISHES
POOCHO. LIFE CHANGE KARO.

Nayagam P P |4532 Answers |Ask -Follow

Career Counsellor - Answered on May 16, 2025

Question by Naazneen - May 16, 2025

Career

my son got 98.57 percentile in jee main with crl rank 21902 , he is getting NIT civil, mechanical and chemical from Nagpur according to last yr cut off , and EEE in NIT goa in 4 th and 5 th round, we are confused which branch should we take as he is getting ECE fron sardar patel engineering college which is private college in Mumbai, should we prefer branch or NIT college

Ans: If brand value, placements, and long-term career prospects are your priority, choose NIT Nagpur in Mechanical or Civil or Chemical. These branches have strong industry demand and stable placement records.

If your son is passionate about EEE and willing to take a chance on a newer NIT with growing opportunities, NIT Goa is an option but less preferred compared to Nagpur NIT.

If your son prioritizes ECE branch and Mumbai location for urban exposure, internships, and networking, and are comfortable with higher fees, SPCE Mumbai ECE is a solid choice. All the best for your Son's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Ramalingam Kalirajan |8449 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Asked by Anonymous - May 16, 2025

Money

I am a 35-year-old single woman working in the IT sector with a monthly income of 1.2 lakh and moderate savings of Rs 5 lakh. I am investing 10k per month in SIPs. I want to start planning for early retirement and possibly buying a home. Should I continue to invest in SIPs or something else?

Ans: At 35, you are in your asset building years.

Your income of Rs. 1.2 lakh monthly gives you a strong base to build wealth.

Being single gives you more flexibility in financial decisions.

Planning early retirement is a mature step. Many delay this thought.

You already invest Rs. 10k monthly. That shows good discipline.

Your savings of Rs. 5 lakh is a good start. But needs enhancement.

Retirement Planning Clarity
Early retirement needs higher corpus. Time to plan backward.

You must fix a retirement age. Also fix annual income needed post-retirement.

Factor inflation in lifestyle costs.

Consider medical costs too. Inflation is high in health sector.

Retirement planning works better when done with multiple buckets.

Equity, debt, contingency, and health must work together.

SIP as a Wealth Building Tool

SIP is a smart and proven method.

Continue your Rs. 10k SIPs. But increase when income grows.

SIP gives rupee cost averaging. That reduces entry timing risk.

SIPs offer compounding when held long.

Avoid index funds. They copy index. They lack human intelligence.

Index funds perform average. They don’t beat market.

Choose actively managed funds. They aim better returns.

Pick regular plans via MFD guided by CFP. It adds value.

Direct plans lack guidance. It becomes DIY investing.

DIY investing may create confusion and mistakes.

Regular plans come with expert hand-holding.

CFP-driven guidance keeps your portfolio aligned to goals.

Cash Flow Management and Budgeting

Your rent is stable. Expenses are under control.
Groceries and bills total Rs. 16k. You save well.
You should track monthly spending patterns.

Try to save at least 30% of your income monthly.

Automate savings. Do SIPs right after salary credit.

Create a simple budget. Set targets on each spending head.

Watch for lifestyle inflation.

Don’t let spending rise with income.

Direct bonus or hikes to increase investments.

Emergency Fund and Protection Planning

Keep 6 months’ expenses as emergency fund.

Include rent, groceries, bills, and SIPs in this amount.

It should stay in liquid funds or savings account.

Avoid using equity or SIPs for emergencies.

Buy health insurance. Don’t depend only on employer cover.

Health cover must be minimum Rs. 10 lakh.

Upgrade later to super top-up if needed.

Buy term insurance too. Even if no dependent, it helps future planning.

Goal Clarity: Early Retirement and Home

Don’t mix home buying and retirement corpus.

Separate goals need separate plans.

Decide which is priority – early retirement or home.

If home is first, allocate budget.

Keep EMI within 35% of your income.

Avoid loans that eat into SIP potential.

If early retirement is top goal, delay home purchase.

Use rent benefit to invest more.

Don’t lock money in real estate. It reduces liquidity.

Real estate gives poor returns post inflation and tax.

Investment Portfolio Strategy

Rs. 5 lakh savings can be deployed in mutual funds.

Don’t keep in idle accounts unless it’s emergency fund.

Allocate 70% to equity mutual funds. 30% to debt mutual funds.

This gives stability and growth.

Use actively managed equity mutual funds.

Choose multi-cap, large-mid, and flexi-cap categories.

Use short duration debt funds for debt portion.

Review portfolio yearly. Don’t churn often.

Always assess risk tolerance before allocating.

Take guidance from a CFP. Not self-made decisions.

DIY investing often lacks proper risk management.

Tax Optimisation Strategy

Use Section 80C to save tax.

ELSS funds help tax savings with wealth creation.

Avoid locking money in tax-saving FDs.

ELSS has lock-in but gives better returns than PPF.

Invest in NPS if retirement is key goal.

NPS gives extra benefit under Sec 80CCD(1B).

Review tax-saving options every year.

Don’t use insurance as investment.

Avoid ULIPs or traditional endowment plans.

These give poor returns after inflation.

They mix insurance and investment. That harms both.

Keep insurance and investment separate.

Behavioural Discipline and Investment Psychology

Early retirement needs patience.

Stay invested in SIPs. Avoid stopping in market falls.

Don’t check daily returns.

Judge mutual funds by long-term performance.

Avoid reacting to market noise.

Trust the long-term power of equity.

Follow your plan. Don’t follow trends.

Stay away from hot tips and penny stocks.

Don’t let emotions control money decisions.

Behavioural mistakes reduce long-term wealth.

Stay connected with a Certified Financial Planner.

Periodic Goal Review and Adjustments

Do yearly review of all goals.

Adjust your SIPs if salary increases.

Shift risk as you age.

Equity exposure must reduce near retirement.

Review funds performance once a year.

Rebalance portfolio if needed.

Align portfolio with goal time horizon.

Maintain documents and records.

Track insurance, SIPs, tax, and net worth yearly.

Finally

Continue SIPs and increase it to Rs. 20k monthly.

Keep emergency fund ready. Buy health and term insurance.

Prioritise retirement over house for now.

Don’t mix investment with insurance.

Avoid index funds and direct funds.

Use regular mutual funds via MFD with CFP guidance.

Review plan yearly with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Nayagam P P |4532 Answers |Ask -Follow

Career Counsellor - Answered on May 16, 2025

Asked by Anonymous - May 16, 2025

Career

Hello sir/ma'am I am getting vit vellore cat3 cse core and MAIT cse which one should i take sir?

Ans: If budget and relocation are not major constraints, VIT Vellore CSE (Category 3) is the better option due to superior infrastructure, stronger placements, and higher brand value. It offers a more competitive environment and better long-term career prospects.

However, if affordability and staying close to home are priorities, and you prefer a metropolitan setting with decent placements, MAIT CSE is a good choice, especially for students targeting Delhi NCR-based companies and startups. All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

Dr Nagarajan J S K |404 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 16, 2025

Asked by Anonymous - May 15, 2025

Career

Neet 2025 expected cutoff marks for bc category thru' STATE QUOTA seat for self financing colleges in tamilnadu

Ans: Hi
What marks did you score in NEET 2025?

Ramalingam Kalirajan |8449 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Asked by Anonymous - May 15, 2025

Money

Hi Guruss, Good evening to all of you, I'm 31 yr old. I have made some risky investments, 90k in MF, and 23.4 L in stocks. I am unmarried with no loans, i live in rented house whose rent in 22k, expenses are 16k a month grocery + bills, no medical liability for now, I want to attain financial freedom as soon as possible. What would be your guidance to achieve goal of 3cr in next 5-6 yrs. Kindly suggest.

Ans: You are 31 and investing early. That is a big advantage.

You also have no loans. That gives you freedom.

You aim to reach Rs. 3 crore in 5–6 years. This is bold but possible with discipline.

Let’s break this down step-by-step with a detailed plan.

Assessing Your Present Financial Situation

Your total investments are around Rs. 24.3 lakhs.

Your monthly rent is Rs. 22,000. Your living expenses are Rs. 16,000.

This means your basic expenses are Rs. 38,000 monthly.

If you earn Rs. 1.5 lakhs or more, you can save over Rs. 1 lakh monthly.

Your current portfolio is high-risk, tilted toward equity and stocks.

This is fine for wealth creation, but you need balance too.

High growth needs high returns. But without control, it may backfire.

Goal of Rs. 3 crore in 5–6 years means you need sharp returns and focused investing.

Understanding the Goal More Clearly

Rs. 3 crore in 5–6 years is an ambitious target.

For this, you need both high savings and high returns.

Even a 20% return won’t be enough unless you save big.

So, it’s not just investing, saving aggressively is the key.

We will also need to reduce lifestyle inflation in the meantime.

You have no dependents. This is the right time to take calculated risks.

But don’t go too aggressive in stocks without a strategy.

Crafting Your Ideal Saving Pattern

Save at least Rs. 1 lakh every month for this goal.

Avoid buying gadgets or unnecessary upgrades in lifestyle.

Review all monthly spending. Cut what is not useful.

Put a target on fixed savings. Make it automatic through SIPs.

Track your income and expenses every week or every month.

Even saving Rs. 1.2 lakh per month with 14% returns helps you hit the target.

Building a Solid Investment Structure

Your equity holding is already large. Now bring structure to it.

You need a balanced mutual fund portfolio now.

Mix large cap, flexi cap, and small/mid cap categories.

Avoid sector funds or thematic bets now. They bring uneven risk.

Avoid direct stocks if you lack regular review time and market knowledge.

Stick to regular mutual funds. They offer better guidance and review by experts.

Direct mutual funds lack the advisory edge. Regular plans via Certified Financial Planner are better.

A Certified Financial Planner also helps align your risk to your goals.

Regular plans are better for most investors aiming for financial freedom.

Avoid index funds. They don’t generate alpha during sideways or falling markets.

Actively managed funds outperform in such conditions with better allocation.

Do not depend only on equity stocks. Add mutual funds for consistency.

Don’t invest in annuities. They are illiquid and give poor returns.

Avoid FDs too. They are not tax-efficient and will not beat inflation.

Instead, invest with a proper asset allocation model.

Insurance and Emergency Planning

You have no medical liabilities today. Still, take a health insurance policy.

A single health event can disturb your entire goal planning.

Buy a term insurance policy too. It’s cheap at your age.

Protecting your income is as important as growing it.

Emergency fund is not visible in your current setup.

Keep at least Rs. 2–3 lakhs in a separate liquid account.

Do not use equity for emergencies. Use savings account or liquid funds.

Review Your Stock Portfolio Now

Rs. 23.4 lakh is in stocks. You need to analyse them deeply.

Check if they are quality companies with strong balance sheets.

Exit the ones that are speculative or not performing.

You can shift some of this money into mutual funds slowly.

That way, you reduce risk while keeping return expectations realistic.

Get help from a Certified Financial Planner to review your stock list.

Emotional attachment to stocks should be avoided.

Stick with companies that have strong earnings visibility and leadership.

Track quarterly results of stocks. Act fast if fundamentals worsen.

Planning Your SIP Strategy for Wealth Growth

Monthly SIPs are your biggest weapon now.

Begin Rs. 1 lakh SIP in a structured mutual fund portfolio.

Divide across flexi cap, large and mid cap, and small cap.

Avoid NFOs or new funds. Stick with consistent performers.

Set SIP date closer to your salary date to avoid spending temptations.

Review funds once a year. Don’t change them every few months.

Stick to long-term winners and remove underperformers after two years.

Use STP (Systematic Transfer Plan) if you have lumpsum in savings.

Tax Efficiency Matters

Keep taxes in mind while redeeming funds in future.

LTCG from equity funds above Rs. 1.25 lakh is taxed at 12.5%.

STCG from equity funds is taxed at 20%.

For debt funds, all capital gains are taxed as per your tax slab.

Plan redemptions based on tax calendar and goal timelines.

Don’t let taxes eat your compounding advantage.

Asset Allocation Strategy for Long-Term

Do not keep all money in one basket.

At least 10% should be in safe liquid assets.

Keep 70–80% in mutual funds across categories.

Balance the rest in short-term instruments for liquidity.

Gold should be avoided for this particular goal. It is not growth-friendly.

Real estate is not recommended. High ticket size and low liquidity are issues.

Regular Portfolio Review Is Must

Review your full portfolio once every six months.

Rebalance if one asset grows too large or underperforms badly.

Track goals, savings, investments, and expenses every quarter.

Don’t chase returns. Stick with plan and discipline.

Take support of a Certified Financial Planner to help you stay on track.

Building Multiple Income Streams

You are young. Explore second income streams.

Freelance work, weekend projects or consulting can help boost savings.

These incomes should go directly into SIPs or investments.

Avoid spending extra income. Let it power your wealth engine.

Build income streams around your skills or hobbies.

Finally

You are starting at the right time. That itself is a great asset.

You have no loans, no major expenses, and full freedom to save.

But without structure, your efforts may not give results.

Bring discipline, monthly saving habits, and smart investing.

Rs. 3 crore in 5–6 years is tough, but not impossible.

Use mutual funds wisely. Review stocks. Control lifestyle inflation.

Avoid index funds, annuities, and real estate.

Avoid direct mutual funds. Choose regular funds through a CFP for better tracking.

Take health cover and build emergency fund.

Keep working towards this goal with patience and monitoring.

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

Dr Nagarajan J S K |404 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 16, 2025

Question by MARKS - May 16, 2025

Career

maine jee mains and advance(jo prso hai) sb as a general candidate diya hai lekin ab mere pas ews certificate aa gya hai kya ab mai kisi trike se jossa mai as ews bn skta hu

Ans: Hi Marks,

I understand that you initially applied under the general category, but now you wish to apply for EWS. Is that correct?

I want to caution you that this change in your application could raise suspicions about your intentions and activities. Ideally, you should have submitted the EWS application from the outset. If you have obtained the EWS certificate recently, it may still be valid, even if your initial application was submitted earlier for administrative reasons. However, it must be genuine.

If the agency suspects any inconsistencies, you could find yourself in a difficult situation. Since you initially declared yourself as belonging to the general category, switching to EWS later may lead to complications. I strongly advise against taking shortcuts, as it could result in serious consequences down the line.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ramalingam Kalirajan |8449 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 16, 2025

Asked by Anonymous - May 15, 2025

Money

Dear sir, I am currently 21 about to turn 22, I have savings of 4 lakhs which is invested in share market and can't be taken out. My monthly salary is 1 lakh. I want to accumulate 10 lakhs by next year for my sister's wedding. Is there any saving method that I could use to accumulate that much amount?

Ans: You are doing quite well at your age.

At 21, earning Rs. 1 lakh per month is a very good start.

Also, having Rs. 4 lakhs already invested shows good financial discipline.

Wanting to save for your sister’s wedding is a noble goal.

Let us now plan how you can build Rs. 10 lakhs in 12 months.

We will assess this from all angles.

We will keep the plan simple, practical and focused.

Understand Your Savings Target Clearly

You want to save Rs. 10 lakhs in 1 year.

That means around Rs. 83,000 per month.

This is more than 80% of your salary.

This will be tough, but not impossible.

You must be ready to sacrifice lifestyle for one year.

This is the first mindset shift needed now.

Review Your Current Income and Expenses

Let us understand where your salary goes.

Take a notebook. Write monthly fixed expenses.

Include rent, food, travel, phone bills, etc.

Also write any subscriptions or online spends.

Check how much is left after all this.

That leftover is your monthly surplus.

You need to increase this surplus to Rs. 80,000 or more.

You must track this every single month without fail.

Use a simple budget sheet if you want.

Cut Non-Essential Expenses Aggressively

You are young. Social life may demand spending.

But for this one year, keep expenses very low.

No online shopping unless fully needed.

No luxury dining or weekend splurges.

Avoid gadgets or travel plans now.

Also cut down entertainment, streaming and subscriptions.

Focus only on family and basic needs.

This one year of simplicity will pay off later.

Keep Emergency Buffer Aside First

Do not put 100% into saving for wedding.

Keep at least Rs. 50,000 as emergency fund.

Keep this in savings account or liquid instrument.

It is not to be touched unless truly urgent.

Emergencies come without warning. Be prepared.

This gives peace of mind during your savings journey.

Avoid New Loans or EMI Commitments

No need to take loans to save money.

Also avoid buying gadgets or phones on EMI.

EMI reduces your saving ability month after month.

In fact, reduce or close existing EMIs if any.

Being debt-free gives full control over your money.

Avoid lifestyle inflation during this 12-month period.

Don’t Touch the Rs. 4 Lakhs Already Invested

This is your long-term investment.

You said it’s not accessible, which is good.

Equity needs time to grow. Let it stay.

This is not meant for short-term use.

Also, redeeming equity before time can lead to losses.

There may also be exit load or tax impact.

So do not disturb your existing portfolio.

Open a Separate Account for Wedding Fund

Keep your sister’s wedding fund separate.

Open a new savings or investment account.

Transfer money into it every month without fail.

This builds commitment and mental discipline.

It also keeps you away from accidentally spending it.

Keep this account out of UPI apps or wallets.

Make it less accessible to avoid impulsive usage.

Choose Suitable Monthly Saving Instruments

You can’t keep all money in savings account.

You need to earn better returns on it.

Choose a safe and regular investment method.

Short-term goals need capital protection and moderate growth.

Pick instruments that allow regular monthly deposits.

Also check for liquidity and penalty rules.

Make sure it is not market-linked and high-risk.

Low to moderate risk tools suit your 12-month horizon.

Don’t Invest in Direct Funds for Short Term

You may hear about direct mutual funds.

They seem to offer higher returns due to low expense.

But they give no guidance or regular tracking support.

You must choose funds on your own completely.

Also, you must do all reviews without help.

If you choose wrong fund, it affects returns badly.

Especially for short-term goals, mistakes can cost more.

Instead, prefer regular funds through a CFP-backed MFD.

They review, guide, adjust portfolio, and ensure correct plan.

Avoid Index Funds for this Purpose

Index funds simply follow the market index.

They do not actively manage risks.

They do not shift between sectors when needed.

So, when markets fall, they also fall fully.

For a short-term goal like a wedding, this is risky.

Actively managed funds have research-based flexibility.

They adjust to market conditions smartly.

For one-year goal, active management brings better stability.

Stick to Disciplined Monthly Saving Plan

Saving Rs. 83,000 per month is not easy.

Start by fixing a standing instruction on salary day.

Automate this transfer to your wedding fund account.

Do this before spending on anything else.

If full Rs. 83,000 is not possible now, start lower.

Then increase it every 2–3 months.

If you get bonus or freelance income, add that too.

Even one missed month will delay the target.

So be strict with the system.

Find Small Extra Income Sources

Look for side income during weekends or evenings.

You can try online freelance work or part-time gig.

Even Rs. 5,000–Rs. 10,000 per month helps.

This can speed up your target savings.

Use 100% of extra income only for wedding fund.

You’re young, so energy is your strength.

Utilise free time to build this faster.

Avoid Shortcuts or High-Risk Bets

You may feel tempted by quick-return stocks.

Or your friends may suggest crypto or penny stocks.

Avoid all high-risk ideas for this goal.

Your sister’s wedding is a responsibility, not a gamble.

Don’t take chances with money meant for family event.

Safety is more important than high returns now.

Stick to low-risk saving methods with predictable results.

Track Progress Every Month Without Fail

At month-end, review your saving balance.

See if you’re on track for Rs. 10 lakhs.

If you’re falling behind, increase savings next month.

Or reduce any new unnecessary expense.

This helps you catch problems early.

Use a simple Excel or notebook for tracking.

Reviewing keeps you focused on your goal.

Do this even if you feel lazy.

Celebrate Small Wins Along the Way

Every 2–3 months, check how much you saved.

If you hit milestones like Rs. 3 lakhs or Rs. 6 lakhs, feel proud.

But don’t reward yourself with spending.

Instead, just feel mentally strong and continue.

This helps you stay motivated across 12 months.

Saving for a family event brings deep satisfaction.

Use that emotion to stay committed.

Plan for Wedding Expenses in Advance

You also need to plan how the Rs. 10 lakhs will be used.

List all likely expenses: venue, food, clothes, gifts.

Discuss with family what’s needed and what’s optional.

Try to fix a budget early.

This avoids overspending during emotional moments.

If you plan spending early, your saving will feel more purposeful.

Talk to a Certified Financial Planner Later

After the wedding, don’t stop your good habits.

You will be free from this short-term goal then.

Start building wealth for your long-term needs.

Meet a Certified Financial Planner after this year.

They will help you plan your next financial goals.

They will build your investment path with clarity.

Start mutual fund SIP through regular plans via a CFP-backed MFD.

This ensures monitoring and personalised advice.

Avoid going into investment alone without support.

Finally

Saving Rs. 10 lakhs in 12 months is ambitious.

But not impossible if you plan and act.

You are still young, so discipline matters more now.

Use this goal as a financial training ground.

It will shape your future habits and strength.

Be strict, focused, and consistent.

Every month matters. Every rupee counts.

Don’t chase fancy returns. Choose peace and certainty.

Your sister’s wedding will be a proud moment.

And so will be your financial effort behind it.

Stay committed. Stay calm. Stay focused.

You are already on the right path.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

See more questions »

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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