Hi. My 18 year old son is doing very badly in his studies. He has failed in his first semester exam (B com). D barred for low attendance in second semester. He is a jovial & intelligent boy. I think his habit of procrastination is ruining his career prospects. Earlier he was a mild mannered boy but now he flies into rage whenever I talk to him about studies. Please guide how to handle this situation.

Ans: Dear Anonymous,
I strongly suggest that you see an expert who can help you with this entire journey. It's not simple yet it can have a solution for you. Approach a professional and let them work with you guiding you step by step on not only releasing guilt BUT also work on your past relationship with your late wife which needs closure.

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

Ans: Dear Anonymous,
You did invest too much of yourself in him; but who can stop the way feelings move, right?
As hard as it maybe to accept this reality, move on...initially, it will be painful, but it's not worth losing yourself to anyone. Protect your identity and know that it does not stem from anyone or anything BUT it's YOU who defines it.
Maybe the past year that you lost time and could not focus on your goals, this year can be your year. Let him do what he needs to; why focus on someone who did not have the decency or courage to tell you things on your face. What will you gain by actually being with a person like that? I am sure you deserve much more...
Your goals and aspirations need you; go for it!

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

Ans: Dear Anonymous,
At times, spiritual paths can temporarily derail people from what they are used to; it can just be a new way of living life...But since this is over a year and it has begun to bother you, don't you think you must talk to your wife and tell her how you feel. If you are quiet about it, obviously she's going to go with her changes and not think much about how things are getting affected back home; which she in fact should.
It is easy for people to get swayed by influential people and forget who they are and what they must be doing. I only hope this change is a temporary one and that your wife comes back to where she belongs and adopts the changes into her life positively,

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

Ans: Dear Arun,
You cannot convince anyone of anything. Especially when it comes to TRUST, it's not a mere word. Display this in action where you do what you say/promise and be consistent with it. Trust then builds over time.

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

Ans: Dear Work,
Overthinking and over processing never helped anyone. Focus on your self-talk and change that.
- Journaling
- Sports
- Art work
- Meditation
- Breathwork
These are a few ways in which you can attempt to slow down the mind from racing thoughts. Once that happens, work on your self-talk to make it more useful where you start to direct yourself towards what you want to do.

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

Ans: Hi SS
For appearing in the JEE Main 2025, there is no age limit for the candidates. Candidates who have passed the class 12 or are in equivalent examination in 2023, 2024 or appearing in 2025 irrespective of their age can appear in the JEE Main - 2025

Ans: Hi Vaishnavi
you should fill only the roll no of that marksheet with more marks.

Ans: All the BEST for your Daughter's JEE January Session. All instructions clearly explained just 1-week back in EduJob360 YouTube Channel. Please advise your daughter to watch the same when time permits. MOST IMPORTANT: Please take her to the Exam Centre (even if it is nearby) tomorrow morning to know the time taken to reach the centre, spend around 30 minutes there and come back (to remove her exam fear). SECOND IMPORTANT: To have very light food on 22nd morning and carry a transparent small water bottle (if allowed inside the hall). For the rest, please wath the video which is in detail. Once again, All The BEST for your Daughter's JEE & other Entrance Exams. Please follow RediffGURUS to know more on 'Careers | Jobs | Education'.

Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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