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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Anu Krishna |1769 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 30, 2023

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

Question by deepak on May 27, 2023English

Relationship

क्या मन में नकारात्मक विचारों या अवसाद से छुटकारा पाने का कोई उपाय है कृपया बताएं?

Ans: प्रिय दीपक,
आपको स्पष्ट करने के लिए:
नकारात्मक विचार और अवसाद एक जैसे नहीं हैं। इसके अलावा, जिन नकारात्मक विचारों को अच्छी तरह से नियंत्रित नहीं किया जाता है, वे समय के साथ खराब मूड, थकान और पुराने मामलों में अवसाद का कारण बन सकते हैं।

इससे आपको पता चल जाएगा कि आप संभवतः नकारात्मक विचारों से निपट रहे हैं या जिन्हें मैं कहना चाहूंगा: गैर-उपयोगी विचार।
क्या कोई चीज़ आपमें इसे ट्रिगर करती है?
क्या यह दिन का कोई विशेष समय है?

आप क्या कर सकते हैं:
प्रतिदिन कम से कम 30-40 मिनट तक पैदल चलना/जॉगिंग/व्यायाम करना शुरू करें
अपने विचारों को जर्नल में रखें चाहे वे कुछ भी हों
उन सामाजिक मंडलियों में घूमें जो सकारात्मक चीज़ों के बारे में बात करते हैं
जाँचें कि आप ओटीटी प्लेटफार्मों पर क्या देखते हैं और यदि यह अंधकारमय और नीरस है, तो अपनी वॉचलिस्ट बदलें
प्रकृति में खूब समय बिताएँ

शुभकामनाएं!

RelationshipReply

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anu Krishna |1769 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jun 23, 2023

Question by Sohail - Jun 07, 2023English

Relationship

अवांछित विचारों से आसानी से और तेजी से कैसे छुटकारा पाएं।

Ans: प्रिय सोहेल,
1. आख़िर अवांछित विचारों का कारण क्या है?
2. अनचाहे विचार आपको संकेत देते हैं कि दिमाग से क्या निकलने की जरूरत है

इस पर काम करें:
1. ऐसे विचारों को स्वयं प्रस्तुत करने के लिए अपने विचारों को लिखें और पहले क्या कारण या घटित हुआ
2. 2-3 मिनट तक गहरी सांस लें
3. प्रत्येक अवांछित विचार को 5 उपयोगी विचारों से बदलें
4. जैसे ही आप इन विचारों से तनाव महसूस करने लगें तो तेज चाल से चलें
5. अपने आप से पूछें: इन विचारों में लिप्त होकर मुझे क्या हासिल हो रहा है?

इससे आपको संकेत मिलेगा कि क्या हो रहा है...और यदि इनमें से कुछ विचारों पर काम करने की आवश्यकता है, तो कृपया एक परिप्रेक्ष्य प्राप्त करने और जाने देने में आपकी सहायता के लिए एक पेशेवर की तलाश करें।

शुभकामनाएं!

Anu Krishna |1769 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

Question by mahesh - Oct 11, 2023English

Relationship

im 45 year old mere mind me negative thought bahut ate hai or overthinking bahut hai. mere man kisi kaam ko karne me nhi lagta hai , me apne kisi kaam me concentration nhi kar pa raha hu, plz iska koi solution dijiyga.

Ans: Dear Mahesh,
Negative thoughts kisi kaaran se hi aapke dimaag mein baith gaye hain. Inko agar hataane hain toh pehle woh kaaran ko hataana hoga. Is liye apne aap se poochiye: Kis wajah se mein yeh sab soch baitha hoon? Aise soch aane se pehle kya hua hai joh mujhe aise sochne pe majboor hota hoon...

Aisi soch ko door rakhne ke liye kuch sujhaav hain:
1. Koi physical activity ya exercise roz kiya kijiye (walk, gym, run)
2. Praanyaam karne se bhi bahut faayda hota hai
3. Dost ya kareebi pariwaar ke saath waqt bitaaiye
4. Apni zindagi mein joh accha hua hai ya ho raha hai, is baat ko aksar yaad aur zikr kijiye
5. Koi kaam karne se pehle, apna phone ko silent mode mein daal dijiye

Yeh sirf sujhaav hain, baaki aapko mehnat zaroor karna padega ki yeh negative soch ko aap zyaada panaah na de. Jitna zyaada inko paalenge, utna hi aapko pareshaani hogi. Yeh dhyaan mein le aaiye ki positive ya acchi soch se aapka kya faayda ho sakta hai; maansik tanaav kam hone se aapka shareer bhi swasth hoga. Is baat ko hamesha yaad rakhiye.

All the best!

Anu Krishna |1769 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 12, 2024

Asked by Anonymous - Dec 09, 2023English

Relationship

मैं सेवानिवृत्त होने में सक्षम नहीं हूं, लेकिन थका नहीं हूं, मजबूर वैवाहिक जीवन के रूप में अतिरिक्त और बेकार विचारों/बाध्यकारी व्यवहार को नियंत्रित करना चाहिए और रूरीन को बनाए रखना चाहिए, जिसे मैंने सेवानिवृत्त होने के बाद खो दिया है, लेकिन असफल व्यक्तिगत और आधिकारिक जीवन के दुखों से थका नहीं हूं। पूर्व एचओडी (इलेक्ट्रिकल)/प्रिंसिपल राजकीय पॉलिटेक्निक 4 अनुसूचित जाति के छात्र

Ans: प्रिय अनाम,
मेरे लिए आपका प्रश्न बहुत अस्पष्ट है और मैं जो समझता हूं वह यह है कि आप बेकार विचारों से निपट रहे हैं... एकमात्र तरीका यह है कि करने के लिए कुछ उपयोगी खोजा जाए... कुछ ऐसा जो संतुष्टिदायक हो और कुछ ऐसा जिसका आप आनंद ले सकें...
सेवानिवृत्ति का मतलब यह नहीं है कि आप पूरे दिन घर पर बैठे रहें और अपने लिए खेद महसूस करें बल्कि इस समय का उपयोग उन चीजों को करने में करें जो आप नौकरी के दौरान नहीं कर सके। अपना समय बुद्धिमानी से प्रबंधित करें और यदि आपका वित्त अनुमति देता है, तो यात्रा करें... यात्रा आपके जीवन को भरने के लिए नए अनुभव और नई कहानियाँ लेकर आती है।

शुभकामनाएं!

Kanchan Rai |656 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 17, 2024

Question by Sanjay - Mar 17, 2024English

Relationship

उपरोक्त परिदृश्य में मैं अवसाद में हूं

Ans: मुझे यह सुनकर दुख हुआ कि आप ऐसा महसूस कर रहे हैं। अवसाद एक कठिन और भारी अनुभव हो सकता है, लेकिन यह जानना महत्वपूर्ण है कि आप अकेले नहीं हैं और ऐसे लोग हैं जो आपका समर्थन कर सकते हैं। यदि आप अपने परिदृश्य के बारे में कुछ विवरण साझा कर सकते हैं तो इससे मुझे और जानने में मदद मिलेगी

Anu Krishna |1769 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 21, 2024

Question by Buddhu - Oct 17, 2024English

Relationship

नमस्ते मैं काफी समय से नकारात्मक विचारों से बहुत परेशान हूँ। किसी को नीचा दिखाने या किसी गतिविधि के सही न होने या काल्पनिक बहसपूर्ण वार्तालापों के बारे में सोचना, जो मुझे दूसरे व्यक्ति को नीचा दिखाने की ओर ले जाता है, मेरे दिमाग में हमेशा रहता है। मूल रूप से मैं दूसरे व्यक्ति या परिस्थिति को नीचा दिखाने की कोशिश कर रहा हूँ और अपने हाथ या परिस्थिति को जीतने की कोशिश कर रहा हूँ। यह मुझे ज़्यादातर समय व्यस्त रखता है, यहाँ तक कि जब मैं गाड़ी चला रहा होता हूँ, टहल रहा होता हूँ या दौड़ रहा होता हूँ, खा रहा होता हूँ, या फिर ध्यान के दौरान भी। वास्तविक घटनाओं जैसे कि अगर मुझे कुछ खरीदना है, तो मैं कल्पना करता हूँ कि विक्रेता मुझे धोखा दे रहा है, मुझे खराब उत्पाद दे रहा है या मुझसे ज़्यादा पैसे नहीं ले रहा है, आदि, जबकि वास्तव में ऐसा नहीं हो सकता है और मैं राहत की साँस लूँगा। मैं ऐसा नहीं था। मैं बचपन में बहुत खुश, सकारात्मक और आशावादी था, स्कूल, कॉलेज, काम के दौरान और कई लोगों के लिए प्रेरणा हुआ करता था। मुझे लगता है कि जैसे-जैसे मैं बड़ा हुआ, मेरे चिंतन धीरे-धीरे शुरू हुए और धीरे-धीरे सकारात्मकता नकारात्मकता और क्रोध में बदल गई। मैं अब पचास के दशक में हूँ। मैं विपश्यना ध्यान का अभ्यास करने की कोशिश कर रहा हूँ, व्यायाम करने की कोशिश कर रहा हूँ लेकिन इससे कोई मदद नहीं मिल रही है। यह मेरे दैनिक व्यवहार में कई गुना बढ़ गया है, मैं हमेशा पाता हूँ कि लोग/मित्र मेरा मज़ाक उड़ाते हैं और मुझे नीचा दिखाने की कोशिश करते हैं और मैं उनसे लड़ता हूँ, भले ही मुझे पता हो कि इससे कोई फ़ायदा नहीं होगा। मैं अपने दोस्तों और आस-पास के लोगों के साथ अच्छा व्यवहार करता हूँ लेकिन वे मेरे साथ वैसा व्यवहार नहीं करते। इस वजह से मैं अपने व्यवहार को कम करने लगा हूँ और दुर्व्यवहार से दूर रहने लगा हूँ। हालाँकि मुझे लगता है कि मैं अभी भी हर चीज़ को सकारात्मक नज़रिए से देखता हूँ लेकिन रोज़मर्रा के अपमान/अपमान के कारण नकारात्मक चिंतन मुझे बहुत परेशान करने लगा है और मैं सकारात्मक विचार नहीं रख पाता हूँ। परिवार के साथ बातचीत भी प्रभावित हो रही है। एक समय था जब मेरे कई दोस्त थे जिनसे मैं बिना किसी पूर्वाग्रह के खुलकर बात कर सकता था लेकिन अब मेरे पास ऐसे दोस्त नहीं हैं क्योंकि उनमें से ज़्यादातर अब अच्छे नहीं हैं, भले ही मैं उनके साथ बहुत अच्छा, सकारात्मक और उत्साहवर्धक व्यवहार करूँ। मुझे उम्मीद है कि मेरी बात समझ में आई होगी। मदद और मार्गदर्शन की तलाश कर रहा हूँ।

Ans: प्रिय बुद्धू,
जाहिर है कि कुछ ऐसा है जिसने आपको अलग तरह से सोचने और कार्य करने के लिए प्रेरित किया है और यह यहाँ ज्ञात नहीं है।
मैं जो सबसे अच्छा तरीका सुझा सकता हूँ वह है: जर्नलिंग शुरू करना। दिन की घटनाओं को लिखने से आपको यह समझने में मदद मिल सकती है कि दिन के दौरान क्या हो रहा है और घटनाओं के प्रति आपकी क्या प्रतिक्रियाएँ रही हैं। इससे आपको यह पता चलेगा कि क्या बदलना है।
दिन के दौरान सभी नकारात्मक विचारों और कार्यों को कुछ अधिक उपयोगी के साथ बदलने के तरीके और साधन खोजें। जल्द ही, आप ऐसी जगह पर होंगे जहाँ जर्नलिंग न केवल एक आदत बन जाएगी बल्कि यह एक तरह से आपको अगले दिनों के लिए सार्थक तरीकों से मार्गदर्शन भी करेगी।
तो, उस जर्नल को अपना मार्गदर्शक बनाएँ।

शुभकामनाएँ!
अनु कृष्णा
माइंड कोच|एनएलपी ट्रेनर|लेखक
ड्रॉप इन: www.unfear.io
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नवीनतम प्रश्न

Ramalingam Kalirajan |11041 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 25, 2026

Question by Abhishek - Feb 25, 2026

Money

Hi, I`m planning to buy a SUV costing around 22 Lakhs. Should I go for Car Loan or with my own savings. Which is more beneficial.

Ans: This is a very sensible question. The fact that you are comparing options before buying shows financial maturity. A car is a lifestyle decision, so the goal is to enjoy it without hurting long-term financial comfort.

Below is a clear, practical comparison to help you decide.

Option 1: Buying the SUV using your own savings

Advantages
– No interest outflow at all
– Full ownership from day one
– Peace of mind, no monthly EMI pressure
– Better cash flow freedom in future months

Concerns
– Large one-time outgo can disturb emergency fund or long-term investments
– If savings are pulled out from growth assets, you lose future compounding
– Liquidity risk if an unexpected expense comes soon after purchase

When this makes sense
– You still have a strong emergency fund even after paying
– You are using idle money lying in savings / low-return deposits
– Your long-term investments remain untouched

Option 2: Buying the SUV using a car loan

Advantages
– Preserves your savings and investment momentum
– Better liquidity and safety buffer
– EMI is predictable and manageable
– Useful if your money is already productively invested

Concerns
– Interest cost increases total car cost
– EMI reduces monthly flexibility
– Risk of taking a longer loan just to reduce EMI

When this makes sense
– Your savings are invested for long-term goals
– EMI comfortably fits within your monthly surplus
– Loan tenure is kept short (not stretched unnecessarily)

The key point most people miss

A car always depreciates.
So the real question is not loan vs cash, but:

– Will paying fully in cash disturb your financial safety or investments?
– Or will taking a loan create stress in monthly cash flow?

A balanced and practical approach (often the best)

– Pay a large down payment from savings
– Take a small, short-tenure loan for the balance
– Avoid touching long-term investments
– Close the loan early if cash flow stays strong

This gives ownership comfort and financial flexibility.

What you should clearly avoid

– Withdrawing long-term equity investments for a car
– Taking a long loan just to show low EMI
– Using emergency funds for a depreciating asset
– Buying purely because loan is “available easily”

Simple decision guide

– Strong surplus + idle savings → Prefer own funds
– Savings invested + stable income → Prefer partial loan
– Uncertain income / thin emergency fund → Avoid full cash payment

Final thought

The best choice is the one that lets you enjoy the SUV without regret 2–3 years later.
Financial comfort matters more than interest saved or paid.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

Dr Nagarajan J S K |2618 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Feb 25, 2026

Question by Tejas - Feb 24, 2026

Career

Mere 10th ki marksheet mein date off birth Aadhar se match nahin kha rahi hai to use ham log form bhar sakte hain cuet UG ka ya koi aur document laga kar like appar id

Ans: Hi Tejas,

You are planning to complete your tasks today, like a computer game. Your date of birth is a fundamental credential for your life, both now and in the future. Please ensure that all your basic credentials are correct with the help of your birth certificate, which was issued by the government. Don’t delay, as it may lead to problems in the future. Avoid taking shortcuts.

In the past, there was no reliable evidence or registration authority, so dates were registered arbitrarily. Nowadays, it is highly unlikely that such practices can go unnoticed by regulatory bodies. EASILY AI WILL DETECT. Therefore, please don’t take unnecessary risks.

WITH REGARDS;

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Feb 03, 2026

Money

Why my mutual funds shown loss when sensex up by 900 point yesterday

Ans: Markets work like this only. Movement of mutual funds depends solely on the movement of stocks they have. If you horizon is long term, these daily movements doesn't matter.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Question by PREMPRAKASH - Jan 28, 2026

Money

sir,how to save LTCG ,wheather and formula to invest in eqity,m.f. ,property.

Ans: Hi,

To save LTCG, a strategic and timely planning is required.
Currently, tax rate for LTCG is 12.5% (gains exceeding 1.25L for equity/MFs) and indexation has been removed for most assets but it is retained for property bought before July 23, 2024.

LTCG can be saved in the following ways:
- Gains up to 1.25L per financial year from listed equity shares and equity-oriented mutual funds are tax-free.
- If you sell shares/MFs and invest the net sale amount (not just the profit) into a new residential house within 1 year before or 2 years after the sale, you can claim exemption u/s 54F.
- On selling a residential property, Investing the net proceeds into buying or constructing another residential property exempts LTCG u/s 54.
- You can invest LTCG into bonds issued by REC, NHAI, PFC, or IRFC within 6 months of the sale (5 years lock-in).
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

To start your investments in Mutual Funds, suggest you to connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Question by Vadi - Jan 30, 2026

Money

Dear sir, I am 42 yrs old with wife and 2 sons 1 yrs old and 5 yrs old. I have monthly income of 1.5 lacs excluding taxes. I have one health insurance 10lacs and 1 term insurance 1cr. Now I want to save money for emergency fund and invest in mutual funds for goals like my 2 sons educations , retirement planning and 1 short term investment to buy a car of 15 lacs. I can't do monthly SIP. Can u suggest me to invest in yearly basis and I need help or some financial advisor for investing . Vadivel.a

Ans: Hi Vadivel,

I always say it is never too late to start your investments.
To cater to the goals of your kids education, your retirement and for your car, mutual funds is the only best option for you. If you cannot do a monthly SIP, you can choose to invest into mutual funds with an option of whenever the funds are available.

Also for emergency fund, have atleast 6 months worth expenses in FD or liquid mutual funds. Start adding 50% of the money (whenever available) to this first.

Connect with a professional to get started with the same in detail.
Hence consult with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Question by Parth - Dec 12, 2025

Money

I have queries related to capital gain tax.To give a bit background, I purchased a second hand property(flat) in 2022 with below detais : Ownership(Joint) : me (doing private job) and mother (Senior citizen/House wife) having around 1L yearly income based on FD's. Purchase price : 69 L Brokerage charges : 1 L Registration/stamp charges : 3.5L Insurance(one time) : Rs 28,000 Repair expenses : 4L Property Mutation Charge : Rs 55,500 Loan amount : 50 L Mother helped with her funding 11L for purchasing as well. Till now , I am paying EMI's that would make around 17L. Now am planning to sale the property at a price ,so that my expenses till date are covered and with that I will close the Loan due(Rs 48L). Can you please suggest in detail how the sale can be made so that the capital gain is saved as much balancing between me and my mother(senior citizen/Houswife).Father expired.

Ans: Hi Parth,

Total cost of the flat to you is - 69L + 1L (if you have brokerage receipt) + 3.5L + 28k + 4L + 55.5k = approx. 78 lakhs.
Based on the sale price, tax will incur on the excess amount of 78 lakhs. Assuming you sold it for 90 lakhs, 12 lakhs would be taxable at either 12.5% (no indexation) or 20% (with indexation).

Your share of profit will be taxed at 12.5% (LTCG) and your mother's share will be taxed at her slab rate (exemption of 3 lakhs).
You can invest the amount in following ways to avoid any tax on the gains:
- Exemption u/s 54 - invest the amount in any residential property within next 2 years.
- sec 54EC - reinvest the capital in NHAI or REC bonds to save tax upto 50L
- Capital Gains Account Scheme (CGAS): if you haven't decided on a new property by the date you file your ITR, can deposit all capital gains into a CGAS account with a public sector bank to avoid tax in the current year.

Get in touch with your CA to understand further things in detail.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 22, 2026

Money

As a salaried employee, EPFO is my largest long-term investment, but its returns are stable and not very exciting. When I compare EPFO returns with the gold rate today, gold looks more attractive in certain years. For someone in their late 20s or early 30s, should EPFO remain the primary retirement tool, or should gold investments also play a bigger role?

Ans: Hi,

You have a very genuine query. Mostly people only know about EPF as their retirement and rely solely on their PF amount to cater to their retirement expenses. I will guide you with other best options:
1. PF - you already have an EPF account. More than sufficient to cater to risk-free returns of 8%. Don't increase your contribution here.
2. Gold - as you already said. But gold should not be more than 10% of your total investments. Also, if you are buying gold as an investment, go for gold ETFs or Gold mutual funds. Avoid jewellery and bullions here.
3. Mutual Funds - If you are looking for risk free returns, can opt for balanced mutual funds which give around 10% yearly return and are very safe. You can choose to start investing here for your retirement.
If your risk appetite is slightly more, you can also choose to squeeze in some equity funds.

It is very important for you to connect with a professional to understand things in detail and decide.
Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Radheshyam Zanwar |6823 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 25, 2026

Asked by Anonymous - Feb 24, 2026

Career

Hello sir mene 12th 2025 me rbse borad kar me vapish 5 subjects se 2027 me 12th ka exam dekar jee advanced ka exam de sakta hu

Ans: No, you are not eligible for JEE (Adv) 2027. Only two consecutive years are allowed, i.e., 2025 and 2026.

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

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Dec 30, 2025

Money

Hi, I'm 41 years old. Living with my mother, wife and two kids of age 11 and 9 years. I'm the sole earning person of my family. I'm owning 3 houses whose market value is Rs 110 lakhs in total. From these rental houses I'm earning rental income of Rs 24000 per month. Apart from this my wife is having gold worth Rs 35 lakhs. I'm having a EPF account of Rs 11 lakhs and PPF account of Rs 10 lakhs. Now I want to invest money to cater my both sons college study and also for my retirement life. My present annual earning is Rs 30 LPA.

Ans: Hi,

You have saved quite a lot at your age. To help you with your query, help me with your exact monthly take home and monthly expenses. Then I will be able to help you better.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |587 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 25, 2026

Asked by Anonymous - Jan 07, 2026

Money

i am 58 y ears old.my son has mental illness,due to which i have to keep money for his future also.i have income upto 7 lakh from agriculture and hostel rental business.i have 10 lakh in ppf ,15 lakh in lic {maturity in 2027},60 lakhs in shares and mutual funds. i will be receiving 2 crores for road compensation from goverment in this year.please inform where i should invest the amount as i have no loans.

Ans: Hi,

With the 2 crores received, you will have a total of 2.7 crores worth investible corpus. To ensure son's future, focus should me more on safe and income generating instruments. Below roadmap will suit you:
1. Invest 50 lakhs in income generating bonds. This will ensure timely interest payout and provides a return of approx. 7%.
2. Invest 50 lakhs in debt mutual funds which have low risk and provide a decent ROI of 8%.
3. Park 50 lakhs in hybrid funds.
4. Invest remaining in equity funds for their growth. I would recommend you to avoid direct stocks investment and move that to equity mutual funds as they are managed by professionals.

- Also avoid investing in LIC policy as its net return is approx. 4%

Consider setting up a private trust for your son's secured future after you are gone.

You should get in touch with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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