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Harsh

Harsh Bharwani  |56 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
Asked by Anonymous - Jun 23, 2023Hindi
Career

Dear sir i am 51 yr old ,i had a very tough life,i was bright and honest student..i got adhoc lecturer ship which i have to left as it was adhoc only i like my profession but i had to left ..than i join with help of my friend sales which i don't like but to earn i did and rose to higher management level...my married elder brother was having depression,i left the parental home to help him ,my parents were both retired govt employees getting good pension...i struggled to make both ends meet..later on my parents get medical trouble still my wife took care of them at my house.. I left the job in 2010 me and my friends who bring me job started the business but he ditched me the first day on business i take courage and continued the business... Meanwhile my parents refused yo help....after 3 yr of my business my parents come to help them as my mother has to do 3 month complete bed rest ,me and my wife helped them after that they come for 2 -3 months in a year for 5 years but after that my mother starts querlling with my wife ,i stoped their coming but told i will help them they need..i helped them during covid ,and other medical problems ,in 2021 my father passed away in i met an car accident my mother refused to give registery of copy in cour yo get bail..i stopped my all relation on this ...my daughter went to canada in sep 2021..i took 7 lacs loan and rest i paid from my savings ..this month her course was supposed to finish but what i realize that she failed in 13 exams..she told me first time than i told her to not worry i concentrate for future one but she lied and failed in other one also what she disclosed now,i have to pay further 10 lacs..my business is alo down and my son is not selected my medical field business,i have to collect aprx 40 lacs from market ,i tried hard for tie up overtake or job at this age but kot getting...it is become hard to run business with no family member in same business in future and tonpay to daughter ..i am gojng to shut it down in next month and do something else...with low cost business as i have to pay monthly salaries and rent of aprox 2.5 lac...i am in big trouble...No one to help me out..i never tried my 0mother brother sister whom i helped in their every cause...i knew they will not help as they not helped me in all my troubles...

Ans: I'm really sorry to hear about the difficult circumstances you've faced in your life. It sounds like you've gone through a lot of challenges and have been dealing with various setbacks. It's understandable that you may feel overwhelmed and frustrated at this point.
In times of hardship, it's important to remember that there is always hope and the possibility of finding solutions. Here are a few suggestions to consider:

1. Seek Professional Help: Given the complexity of your situation and the emotional toll it has taken on you, it may be beneficial to seek professional support. Consider reaching out to a counselor, therapist, or support group to help you navigate through your challenges and emotions. They can provide guidance and assist you in developing coping strategies.
2. Financial Assistance: If you're struggling with loans and financial obligations, it might be worth exploring options for financial assistance. Consult with a financial advisor or research available schemes, grants, or loans that could potentially help you manage your debts and ease the financial burden.
3. Career Transition: As you mentioned, shutting down your current business and exploring other low-cost business options might be a viable solution. Assess your skills, interests, and market demand to identify alternative business opportunities that align with your capabilities and resources. Consider seeking advice from business mentors or professionals in your desired industry to help you make informed decisions.
4. Network and Support: While it may feel like you're alone, reach out to your social network for support. Friends, acquaintances, or industry professionals might have insights, connections, or opportunities that could be beneficial. Building a support system can provide emotional support and potentially open doors for new opportunities.
5. Prioritize Self-Care: In challenging times, taking care of yourself is crucial. Make sure to prioritize self-care activities such as exercise, relaxation, hobbies, and spending time with loved ones. Maintaining your physical and mental well-being will help you navigate through difficulties with a clearer mindset.
6. Maintain Resilience: Remember that setbacks are a part of life, and resilience is key. While it may feel overwhelming now, focus on developing a positive mindset and persevering through challenges. Draw on your past experiences of overcoming adversity to fuel your resilience and determination.

Finally, know that it's never too late to make a fresh start or seek new opportunities. It may take time, effort, and a shift in mindset, but with perseverance and resilience, you can work towards a better future. Reach out for help, explore available resources, and stay determined. Wishing you strength and the best of luck as you navigate through this difficult period.
Career

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Anu

Anu Krishna  |839 Answers  |Ask -

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

Asked by Anonymous - Jan 27, 2023Hindi
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Dear Anu, I am married for 24 years having two grown up children. Both are studying. My wife is not working. She had been adamant and spendthrift since the beginning of our marriage. Just to maintain peace I was putting up with her undue demands. Than in last decade my business suffered for quite sometime still I sold some property and managed the household expenses. Than in 2017 the business started picking up and it started doing well. but having learned the lesson I became very firm with wasteful expenses. And by end of 2017 she broke all ties with me, and started sleeping with our daughter in her room. Now since last six years we are hardly talking to each other despite living in the same house . Her parents are also hand in glove with her and disconnected with me. I also came to know lot of factors about her family. Her father claimed to be a businessman before marriage and later I learned he was working in subcontracts division of a company and making money by illegal means from vendors. He was a heavy drinker and had relations with many women. I also came to know that her father had thrown his father out of house and that old man had died in a temple. To make matter worse her parents are having one more daughter which they claim to be given to some family member and now they don't have any relationship with that girl or the couple to whom they have given their daughter to. So prima facie they have a child or children which they have hidden from society. We attended marriages of her uncle's daughters out of Mumbai. His uncle and his family attended my marriage and marriage of my wife's only brother. Now after all marriages are over they have broken up with that uncle too. He is real brother of my father in law. Her aunty expired two years back I offered to call her uncle and offer condolences she said no need now relationship with uncle is over. With all these I am able to come to a conclusion that the family doesn't value relationships and once their purpose is served they discontinue the relationship. Due to constant problems my children have also become very adamant and are not concentrating on studies. Kindly suggest what should I do in the given situation. Can the marriage be annulled on the grounds her family concealed vital information before marriage. I offered her to go for marriage counselling and therapy but she refused. Please suggest some suitable solution.
Ans: Dear Anonymous,
Too much of a mess, yeah?
Why they hid certain facts and what impact that has had on your marriage is something that you are experiencing. Relationships are built on trust and honesty leads to that trust. You possibly feel being misled multiple times over and it will indeed affect the mind state of your children.
Good that you have woken up to this NOW.
Are you sure that you want to end this marriage? Or is there a possibility of saving it?
If you want to end it through a legal recourse, find an able lawyer who specializes in divorce cases. She/he will advise you on annulment or mutual consent divorce or filing for one. These options come to a better choice when you seek an expert in legal matters.
In the meantime, keep your mind in a place where it is calm. Too much of muddle and constant over processing will make you have bitter thoughts and keep you engaged in stress building situations.
Accept what's happening (difficult, I know)...but doing this will enable you to take the right decision not only for your life but also for your children. Also, I suggest spend a lot of time with the children and teach them not to take sides of any parent.
Whatever you decide is going to impact them and they must be prepared anyway. So, talk to them like they are grown ups and let them grow into it supporting you both rather than be caught in the cross fire.
I am sure if you have had the courage to understand what has been happening to you, you can surely take additional steps to safeguard your mind space and do what's right for the children as well.
All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

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Relationship
Dear Khevna Shah I am in the business of my father's after his death with my uncle for the last 15 years and so and when my father died my age was 22 and I was a simple, shy and fear boy and was happy and i am doing the accounts job and i was not taking my salary on monthly basis or yearly basis means i want to say that i take 200 or 500 or sometimes 10000 to 20000 as per my requirement and sometimes i have to give it to my mom for her personal expenses. After two and half years, i was having problems with my uncle due to professional reasons and i was talking to him at that time and discussing all the problems and business related issues facing by me and he was listening but not responding to my problems during these years and after passing of two and half years i tried my best for talks, discussion but i was not getting any response from his end and after that period i stopped myself for any talks, discussion and sharing with him and I was prepared to left him and go elsewhere and do something new or do a job or start a new business on my own as we were are living in joint family and still we are in joint. Mam i did not left him and he provided me a new business and I became the proprietor of that new business and i didnot have any idea of that new business and when i engaged in that business i came to know that this business is all runs on liabilities for around three months to six months and depends on how you capture the market with low competitive rates and that time was new and i was not having any distributorship also and the business went on losses and i have beared losses for almost lakhs and lakhs of rupees. So, I closed the shop and again started doing account job in my father's business with my uncle as all the decisions related to business was taken by my uncle and same problem which i was facing in my early stage was repeated and the days were passing as it was passing previously. Now when corona came in the world, we were all lockdown in our homes and in that time we were all of our family members lockdown in our home. In that period we were all fighting with the corona that when will corona go and when we will go outside again and when will our normal life will start we were talking about our works of home should be divided. In that period all the works were divided and when lockdown was over and we were slowly slowly coming back to normal. Our joint family divided and now we are separate but our business is not separate and i am getting the salary fixed after our separation. Now the problem is that the salary fixed is not upto the mark and i am facing financial crisis at my end and our relation are so so and i am facing heated conversation with my wife related to money problems as i have to give her the money for household activities, personal expenses, my child school fees, admission fees and other activities related to school and i am very much exhausted with all the daily dose. So, therefore what will be my steps to go forward regarding the issues with my uncle and the problems which i am facing right now and have a peaceful time.
Ans: Dear Ashish,
Time and again you have been waiting for things to change in your favour. Your first sign was when your uncle's resistance at doing or thinking anything good for you.
Good nature of yours to trust him and still keep at it, but I guess now being in your 30s, should tell you that you need to make your life yourself and on your own terms.
Don't hang around thinking that the tides will change for you; instead change things the way you want by breaking free. Now. how you want to do it; is something that you need to discuss with your wife and decide. You have been far too dependent on this dream world that your uncle is going to make things happen and will be kind to you.
Be kind to yourself and now ask yourself:
- how can I revive my financial position on my own?
- what support do I need and from whom to achieve this?
- how can I keep myself motivated every day as I change things for the better?

The time has also come to have a clear chat with the person controlling the business. It gets messy when the family is divided and the business is still joint. Money troubles are never going to have clarity ever in this type of an arrangement. So, take matter into your own hands without fearing the outcome and think of only how you can have a better and peaceful life. The answer will be crystal clear to you.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Asked by Anonymous - Apr 06, 2023Hindi
Relationship
Dear Anu I am a 46 year old man .. married for last 16 years... My wife is well educated but a house wife by choice.. I lost my father when i was 18 and had struggled a lot to gain a great life in terms of money, name in my field and satisfaction at work. At home front we live a nuclear family... me, my wife and my 12 year daughter. But after my marriage in 2006 for next 6/7 years we were in joint family. my daughter was born in 2010.. In joint family me, my younger brother his wife and my mother were members... during these years, my wife never got along with my mother, brother and his wife... and also had fights [severe kind] where she accused them for petty reason...she demanded separate house within 3 month of marriage.. but since I was not financially settled so I promised her we will buy own home in course of time... but over these 6&7 years her behavior started really erratic.. she stopped talking to everyone, and keep fighting with all my family. also the house with joint family owned my me and younger brother... she demanded i should sell the house and get my share to buy own house. which i refused as my brother and his family with my mother were also staying there... and while buying it my mother had helped us financially, without having her name as owner. over the period things became really bitter... we also had fights where out of anger I happened to slap her.. but as promised I bought another house [with lot of efforts since i m self employee] within 5/6 years and we shifted to another city around our previous house. but after shifting she had the same temperament. She never got along with me.. Over an argument she would stop talking to me, and when confronted she would mention about my share in old house which i left... she was not happy seeing my brother living in that house with his family and my mother... i told her as promised we bought this house and I haven't withdrew my share in that house.. may be over the year i will take my share as per market value.. but at this point we don't need to do it.. since it will involve a lot of turbulence for my brother, his family and my mother as they were settled there. so I strongly told her she should not think about as she have her house and focus on it. Over these time, we had a very cute daughter... growing.. her schooling started.. i got busy with my work... and my wife by choice chose to be house wife... taking care of house... but she was hell bent on the house issue over selling it and taking my share.. and due to that we had several fights... which became my life miserable. her point was why pay EMI when you can get share and pay off the loans for new house. in these 8/9 years she became bitter person... no ties with my relatives /cousins, no friends, never got along with neighbors... and opposite to that i have very cordial relation with her family, cousins, my family and have great social circle. when my daughter was 10 year old, i was already settled with good career and financial status... i had cleared all the home loan for our new home... i did everything all out to make her happier but her wish to sell that house where my brother with his wife and my mother i didn't take share or sell it.. and she keeps nagging me with that and her temperament getting worst... now she started accusing me for having an affair and threatening me that she will complain police if i argue with her. unfortunately my daughter had to see this... but my daughter is very sorted, focused and a good kid. In last 2 years i managed to buy another house, which is bigger, where we shifted 1.5 years back, she wanted to do a puja and refused to invite anyone from my family.. also bought one more house as investment.. and a farm too as second home... Im very happy and satisfied with my career and other aspects of life... but the bitterness of wife kept on increasing... sometimes i felt she wanted me to fail and she could just take the pleasure of making me feel how she was right.. which never happened.. Now she is completely out of touch with my family... her anger triggers when i speak to my brother , my mom, Now over these years my brother also managed to earn some money and he paid me an amount as part of my share for the house he is living.. which we mutually agreed among us... and i withdrew my name from that property... i informed this to my wife.. first she didnt believe.. and then she was not interested in it.. so basically over these years i managed to fulfil everything what i promised also took my share from the joint house even i was not very happy with that situation. but all these incidences.. my wife became a difficult person to deal with... be it talking a simple conversation or smallest issue.. we don't have any physical relation .... we sleep in different bedrooms.. my wife also became too possessive and control freak with my daughter.. my daughter is 12 now and she retaliate with it.. so even they keep fighting now... me and my daughter have a great bonding... over these period i started feeling that i married a wrong person.. sometimes i think of divorce but i m worried about my daughter.. and also lot other things as im 45 already.. i wont say that i have never done any mistake while these 16 years but i never chose to disconnect with my wife... i worked really hard to earn money to build a good fortune for my wife and daughter... but looks like she doesn't care... and she takes me completely for granted... she thinks i wont leave her and will be stuck around.. i also advised to visit a therapist or counselor... or join a meditation or do anything she likes to do... be it creative or extra curricular.. but she just ignores it... i am into creative field and this domestic chaos sometimes really bothers me. it never effected my work yet but i m worried it might just. Let me know your opinion... if there is something i can do more to help this mess with my wife.
Ans: Dear Anonymous,
Clearly your wife has a streak of wanting people to want her, literally where it comes off as her being possessive of them (I gather this from what you have shared). I only have a one-sided view and don't know fully well why your wife chooses to be possessive.
She does not want to share you or what you earn with your family; it only suggests that she is worried about losing both. It may seem like they are unfounded fears but they exist in real for her.
Obviously your pleas to see a counselor will better her life and it is easier to stay where she is as nothing needs to change. It seems relatively clear that she fears LOSING!
How this got there or did it become even more evident because of the tussles between your family and her; no one knows. You would not completely know what transpired between your wife and your family; but something has triggered within her to hold on to her beliefs.
Anyway, it is difficult to be where you are; but the only way out is to have a person that is neutral to handle this. It could be a mutual friend, a senior member of her side of the family, a person that she idolizes...anyone who can in a very unbiased manner approach the situation and bring out the fears.
In the meantime, you can spend more time with your daughter and give her a sense of protection and care and at the same time ensuring that she empathizes with her mother. Matters like these can go sour overnight and YES, you have held on so long, give it some more time but do facilitate the neutral person to do an Intervention ASAP.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

Relationship
**JAY*JAGANNATH**, Wishing You For **HAPPY*JANMASHTAMI**, I'm based in Mumbai, but lives in Puri, Odisha, because of **LORD*JAGANNATHA**, Since, I'm a Business Analyst,, not yet Started my Practice,, i had a arrange marriage in my own caste with rest was OK, after reading some of Your advises and type of case,, i became enthusiast to know about my personal disturbances in my family. We live Seperate with my Only 18+Son, Studing & Preparing for Entrance Test via Online.., she is in Guwahati,, working under at a Private Retail Management co., ME & MY FAMILY Severally attempted & requested her and her family too, to Come back & Join to my family for living together,, but when failed,, i encourage her OK live there,, as because after failing an attempt of school transfer due to language issue for a subject like Marathi in Upper classes,, Thus, i stopped disturbing her as well as my son's study. During initial level of Separation,, their family (ELDERS) requested me will handover my family (wife & Son),, if i Pay them(wife& Son) their expenses for a Full Year., that was happened when i reached for an attempt to Convince My Wife and their family to adjoin with me & with my family activity, that was Probably in 2010-11 somewhere in between,, i was Hr. Manager in a Cement Co. in Meghalaya. I agreed too & and Provide as per for a Year. But, while passing a year they became Silent.., not hardcovered my family. till as on date,, i am alone..! She & Elder Sister & the brother-in-law Says they won't divorce nor will allow to handover,, i said why..! The Starting of a Quarrel was with a Issue of Changing my Mental Perception,, while they tried to Implement me with Saying a FALSE PLAN,, but, i Caught their Such Attempt,, MY Mrs. later She admitted that, they tried it because of if I get my Changes in me & to take my decision well for my Next career. Since, i born & brought up in Guwahati, i had a Soft corner for North-East always,, which was happened after 15yrs of long Struggle in Mumbai,, i Stand on my own feet with My Own Struggle & a house for my Stability etc. After Marriage of a Assam Lady only it was a Scope again to Reach Assam.. So, i thought, if i can Start Something a great Project with in & around of North-East. But, that became a bad experience for me as on till. I arrived Recently too, to Convince her,, Come & Join me,, Rest all Hurdle i will Handle,, Now, No more My father also expired, a Retired. Rly Officer,, Parents too visited Severally Assam to Convince them but failed,, I always feel i am alone,, what to do with,, I am a family Oriented Person,, love to keep Relation Well with either Side Well. But, not happening. What to Do Now,, Kindly tell Your Opinion on this,, I am Ready to Take Your Nobly too, Recently, I took little advise from a Legal Family Court Councillor at Guwahati, & their one of Next Door Reputed Lady Neighbour(Who Co-ordinated & Represent too for the Local area of their & for their Constituency during Elections & their any function of their Locality,, a well known in their Locality for a Good behaviour too),, I meet & Spoke to her Severally,, She herself Visited too & found My Wife Not behaving Normally & Cool,, a Raugh behaved Lady, She found & She Said, a disrespected Lady means not Gentle,, i Personally Visited Mumbai at her elder Sister's home too,, during yr.2015,, while in entrance,, the brother-in-law resisted me NOT to Enter,, from the door only i came back. Not meet even & had NO Talk,, while after little a distance i covered from their residence,, i found they again recalling me to Come & Visit. But, I found myself very off mooded, & not visited till as on & till date,, because. they only Created the False Nuisances' with their Plan,, which not became A Success.. they Caught. But, they were Proposer of Our both Relation. But, I want a Justice with this,, Since, I am a Simple & Honest,, Very Straight forwarded with Cut to throat Person..in my Nature,, Soft & Spiritual. Since, Many Years Now Connected to Krishna Consciousness too,, that is why for love & affection i am here at PURI. Kindly, Let me Know Your Precious Opinion by which I can Come out with my Loneliness. **HARE*KRISHNA** Thanking you, With Regards, Surajit Bhattacharjee, In Case if You have a Plan to Visit Puri, Odisha,, Kindly, Let me Know Your Date & Place to See **MAHABAHU**JAGANNATHA*,, You may Send by Your family & friends too with Prior Advance & info.
Ans: Dear Surajit,
Thank you for the festive wishes and thank you for the invite to visit Odisha.

Your situations suggests that much time has passed with no action. Long distance relationships are not easy and require immense maturity and agreement and a lot of trust to keep the marriage going.

What is the reason that your wife does not want to come back now? Your son is already 18 years and is old enough to get into a professional college now...What has happened in all these years that she finds it better living with her side of the better than making her own family come together?

Have the two of you had time to have a private conversation without the interference from anyone else?
Make that honest attempt and appeal to her that you would like the family to get back together. But also be prepared if she says NO as that has been her stance all these years... then please move on...it is difficult but will be better for your physical and mental health.

All the best!

..Read more

Latest Questions
Anu

Anu Krishna  |839 Answers  |Ask -

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

Asked by Anonymous - Apr 27, 2024Hindi
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Relationship
Hi ma’am My family is not accepting my boyfriend as he is not well settled and doesn’t have any savings. His parent are also divorced and father has a second marriage. The first children custody is still with parents however my boyfriend and his brother live with his mother. He is 5 year younger than me. My family is not accepting my relationship and showing me new proposals every day. To borrow some time i am just refusing the proposal my giving some excuses but now they know that i am still not out from him and waiting for him to get settled. Kindly let me know how can i convince my family to accept my relationship. My boyfriend is working day and night to get settled and have a good account balance. Please advise.
Ans: Dear Anonymous,
If your daughter came to you with the same situation, how would you advise her?
Would you not tell her your concern that she is actually choosing someone who may not be able to support her when she goes on maternity leave? Would you not tell her that coming from a broken family, she may have to take care of her boyfriend and possibly parent him on different occasions? Your parents are only concerned for you and are unable to tell you what they are worried about. Put yourself in their situation and tell me that you will not be worried.

At the same time, I do get your frustration. What you can do is to work on your parents' concerns and buy time till your boyfriend manages to settle down. And it seems like he is doing all that he can to be in their good books. And that's the only way you can get them to accept him. Wait patiently and don't put him under pressure. Instead be supportive and at the same time, you continue to work and be independent as well.

Never try to convince someone who does not want to be convinced but instead work on how they can accept him by addressing their concerns.

All the best!

...Read more

Ramalingam

Ramalingam Kalirajan  |1319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

...Read more

Ramalingam

Ramalingam Kalirajan  |1319 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

...Read more

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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