Hello I am 38 years Old and currently Preparing for Azure AZ 104 certification, Was working in Tech Company and want to improve myself and my career. Is it good for me if I am doing preparation for exam at this age and can I get job too? Any recommendations or suggestions?

Ans: Dear Anonymous,
I am not sure how to answer this but attraction is a very personal thing. It is shaped by biology, human experiences, preferences, and emotions. In most cases, attraction is not a bad thing. I am not sure why this raises questions in your mind, but it is important to navigate these feelings without judgment. Be kind to yourself and others while you figure things out.

Best Wishes.

Ans: Dear Anonymous,
I agree what's happening to you is not fair, and however you are feeling right now, it is valid. But having said that, you can't justify saying "why cry later for justice, domestic violence and cheating." These are entirely different and serious matters. Do not trivialize them. Rejecting a man who would've loved her does not automatically mean the woman deserves to find a man who should cheat, beat, or abuse her.

Now, coming to your issue, rejection comes for several reasons; it doesn't necessarily have to do anything with your appearance. Since you mentioned getting rejected even before a conversation, my first guess would be that the profile might not be standing out in the crowd of profiles out there. You can try adding hints of humor to your BIO to make it more attractive. Use the 70-30 method in your Bio, where 70% of it showcases you as a person and the remaining 30 subtly indicates your version of an ideal partner. Additionally, try optimizing your DP and select something that shows your fun side.

But I would like to remind you that not everyone's love story runs at the same pace; some take time to start. I know you think it's cliched but people say it because it has truth to it- keep going; I am sure you will find someone.

Best Wishes.

Ans: Dear Gayatri,

First understand which industry your interests is in.
Understand any shift you will do it will be from scratch that means you need to have patience until you built it
If you interest lies in the IT industry understand your skills (do SWOT analysis) and see basis your skills what value add can you bring.
Upgrade your skills as per the industry by taking up few courses

Hope this helps

Thanks
Ashwini
www.ashwinidasgupta.com
Author of Confidence Decoded. Is it a skill or attitude?

Ans: Dear Sir/ Madam,

Instead of asking why Am I getting rejected. Reframe and reflect. Instead ask yourself what could possibly be going wrong or What can do to improve my chances of selection.

You can look at few areas-
Before interview preparation
knowing more about the job role
Knowing more about the company
Do mock interviews
Prepare your answers better
Gain more experience by enhancing your skills
Ask the HR/ interview the key reasons for your getting rejected and accordingly work on them

Hope this helps

Ashwini
www.ashwinidasgupta.com
Author of Confidence Decoded. Is it a skill or attitude?

Ans: At age 40, with a self-employed career and Rs 19 lakh in FD, your goal of funding your daughter's higher education in seven years requires careful and safe planning. Below is a structured approach to help you.

Assessing the Current Financial Position
1. Fixed Deposit’s Role
Your FD ensures safety and guaranteed returns.

Current FD rates may not beat inflation in education costs.

Retaining some funds in FD can serve as an emergency reserve.

2. Limited Income Contribution
As a new self-employed professional, saving or investing regularly is challenging.

Relying on the existing Rs 19 lakh corpus is critical.

Balancing Safety and Growth
1. Maintain an Emergency Reserve
Keep Rs 3-4 lakh in FD or a liquid fund for emergencies.

Use this reserve to handle clinic or personal contingencies.

2. Allocate for Growth Investments
Allocate Rs 10-12 lakh to balanced hybrid funds.

These funds balance risk by investing in equity and debt instruments.

They may generate returns higher than inflation while limiting volatility.

3. Plan for Tax-Efficient Investments
Invest Rs 2-3 lakh in debt funds for tax efficiency.

Debt funds offer indexation benefits, reducing long-term tax liability.

Use these for medium-term goals or partial withdrawals.

Structured Withdrawal for Higher Education
1. Using SWP for Future Education Needs
Set up an SWP (Systematic Withdrawal Plan) from mutual funds in 2029.

Ensure regular payouts align with education fee schedules.

This approach protects your corpus while managing liquidity.

2. Avoid Full Withdrawal of Investments
Avoid liquidating the entire corpus prematurely.

Keep the investments compounding until needed.

Insurance and Protection
1. Adequate Term Insurance
Ensure a term insurance policy covers your daughter’s education costs.

Choose coverage based on your loan and education fund needs.

2. Health Insurance for Contingencies
Maintain a comprehensive health insurance policy.

This safeguards your savings from unexpected medical expenses.

Education Cost Estimation
1. Forecast Higher Education Expenses
Estimate the required corpus for your daughter’s education.

Consider inflation at 8-10% while planning the corpus.

2. Supplement with Scholarships or Education Loans
Explore scholarship opportunities for her higher studies.

An education loan could reduce immediate financial pressure.

Avoiding Common Pitfalls
1. Do Not Invest Entirely in Equity
Pure equity funds are too volatile for a 7-year horizon.

Balanced funds reduce risks while providing reasonable growth.

2. Avoid Long Lock-in Periods
Avoid products like ULIPs or policies with long lock-ins.

Ensure liquidity for when funds are needed.

Tracking and Reviewing Investments
1. Periodic Portfolio Review
Review and rebalance your investments annually.

Align them with market conditions and financial goals.

2. Monitor Education Costs Regularly
Keep track of potential education expenses for better planning.
Final Insights
Your Rs 19 lakh can grow meaningfully with balanced investments. Keep some funds liquid while investing for growth. Prioritise safety and tax efficiency. Plan for gradual withdrawals to meet higher education expenses without depleting your corpus prematurely.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Dear Varsha,
What’s most important here is the bond you and your boyfriend share. A loving, respectful relationship built on trust and understanding is far more powerful than any external prediction. Use this moment to have open conversations with him about how both of you feel regarding this. Share your fears, your hopes, and remind each other why you’re together in the first place.

If astrology is meaningful to you, perhaps seek guidance from another astrologer to gain clarity. But remember, no external prediction should override the agency and connection you both have. Countless couples have faced similar predictions or challenges and gone on to live fulfilling, happy lives by staying true to their love and their commitment to each other.

Ultimately, your path forward should honor both your love for each other and the strength of your belief in shaping your own destiny. Together, you can decide how to navigate this while staying true to what feels right for both of you.

Ans: With an under-construction flat and a Rs 52 lakh home loan, your financial decisions need careful analysis. Let’s explore whether you should repay the loan, continue EMI payments, or start a Systematic Withdrawal Plan (SWP) from your mutual fund corpus.

Assessing Loan Repayment vs. Continuing EMIs
1. Interest Rate and Opportunity Cost
Your loan interest rate of 8.75% is relatively high.

Your mutual fund returns of 17–18% exceed the loan cost, making investments lucrative.

Paying the loan partially or fully could limit your future growth potential.

2. Impact on Liquidity
Using your corpus to repay the loan reduces your liquid assets.

Liquidity is crucial for emergencies, education, or retirement needs.

Continuing EMIs while keeping investments intact ensures financial flexibility.

3. Tax Benefits on Home Loan
Interest payments on home loans offer tax deductions under Section 24(b).

Principal repayments qualify under Section 80C, up to Rs 1.5 lakh annually.

These benefits reduce the effective interest cost of the loan.

Evaluating Systematic Withdrawal Plan (SWP)
1. Reducing EMI Burden with SWP
An SWP generates a monthly cash flow from mutual funds.

Returns may support EMI payments while retaining your investment corpus.

SWP keeps your portfolio compounding, unlike a one-time withdrawal.

2. Tax Implications of SWP
Gains from equity funds over Rs 1.25 lakh are taxed at 12.5% LTCG.

Short-term withdrawals (below one year) are taxed at 20%.

Plan withdrawals strategically to minimise tax impact.

Evaluating Your SIP Strategy
Investing Rs 40,000 in SIPs monthly indicates disciplined financial planning.

Continue SIPs as they build wealth systematically over the long term.

Avoid stopping SIPs to manage EMIs, as compounding benefits diminish.

Suggested Course of Action
1. Continue EMIs for Now
Retain your mutual fund corpus to earn higher returns.

Use the tax benefits to reduce the effective cost of the loan.

2. Start a Partial SWP for EMI Support
Withdraw a portion of returns monthly to ease EMI pressure.

Adjust SWP withdrawals based on mutual fund performance and needs.

3. Consider Partial Loan Prepayment
Prepay a part of the loan if liquidity is not a concern.

This reduces the principal, lowering EMI or tenure.

4. Regularly Monitor Investments
Track mutual fund returns and market conditions.

Rebalance your portfolio annually to align with goals.

Final Insights
Managing EMIs and investments is a balancing act. Continue your loan and utilise SWP for partial EMI support if needed. Prioritise liquidity while letting your mutual funds grow. Periodic reviews will ensure financial stability and goal alignment.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Dear Aasheesh,

You’re 58 now, divorced, and perhaps seeking a meaningful connection or revisiting something that felt unfinished. She, however, is married. This is an important factor to consider deeply. Any attempt to reignite a romantic or physical relationship would not only involve her but also impact her spouse, her family, and potentially her sense of stability and well-being. While your feelings are valid and deserve acknowledgment, so too are the commitments and responsibilities she has in her life now.

It’s also important to reflect on why these feelings are resurfacing now. Is it about her specifically, or is it more about reconnecting with a time in your life that felt exciting, safe, or deeply connected? Sometimes, our desire to rekindle a past relationship stems from wanting to recapture the emotions and experiences associated with it, rather than the person themselves. Understanding this distinction can help you clarify what you truly want and whether pursuing it is the right path.

If you feel the urge to express your feelings, I would encourage you to do so with honesty and respect, but only in a way that doesn’t cross boundaries or disrupt her life. You could share how much that connection meant to you and how happy you are to be back in touch. However, I would advise against pursuing a physical or romantic relationship unless her circumstances change, and even then, it would require careful consideration from both of you.

Ultimately, this is a moment to reflect on what you truly need and value at this stage in your life. If you’re yearning for love and connection, there are ways to explore this that honor both your past and the present realities of your lives. Perhaps it’s worth exploring these feelings further with a therapist or counselor, as they can provide a safe and supportive space to delve deeper into what this relationship represents for you and how best to navigate it.

You deserve happiness and fulfillment, and so does she. The key is finding a path forward that honors both.

Ans: With inflation reducing the purchasing power of money, investing strategically is essential. Redeploying Rs 1 crore effectively requires considering your financial goals, risk appetite, and time horizon. Let’s explore how you can create a robust plan to counter inflation and achieve financial stability.

Define Your Financial Goals
Before investing, clarify your financial objectives.

Short-Term Goals: Any requirements within the next 3 years, like buying a house or a car.

Medium-Term Goals: Goals 3–7 years away, such as children's education or large purchases.

Long-Term Goals: Goals beyond 7 years, such as retirement planning or wealth creation.

Diversify Across Asset Classes
To mitigate risk and enhance returns, diversification is critical. Here’s a breakdown:

1. Debt Instruments for Stability
Liquid Funds: Ideal for parking money for 6 months to 2 years. Offers better returns than savings accounts.

Short-Duration Bonds: Provides stable returns with lower risk for medium-term needs.

Fixed Deposits: For guaranteed returns, but ensure the interest rate beats inflation.

2. Equities for Long-Term Growth
Systematic Investment Plans (SIPs): Invest in equity mutual funds gradually to counter market volatility.

Diversified Mutual Funds: Suitable for moderate-risk investors seeking long-term wealth creation.

Blue-Chip Stocks: Focus on financially strong companies for stable returns over time.

3. Gold as a Hedge Against Inflation
Allocate 5–10% of your portfolio to gold.

Consider Sovereign Gold Bonds (SGBs) or gold ETFs for better liquidity and tax benefits.

4. Real Assets for Partial Stability
REITs (Real Estate Investment Trusts): Offers exposure to real estate without the burden of direct ownership.

Avoid investing in physical real estate solely for returns, as liquidity and high costs are concerns.

5. Emerging Options for Diversification
International Funds: Provides exposure to global markets, balancing domestic risks.

Balanced Advantage Funds: A mix of equity and debt dynamically managed based on market conditions.

Focus on Tax-Efficient Investments
Equity mutual funds have favourable tax treatment but check the new LTCG rules.

Consider investments like ELSS for tax-saving benefits under Section 80C.

For debt funds, remember their gains are now taxed as per income slabs.

Maintain an Emergency Fund
Allocate 6–12 months' worth of expenses in a highly liquid asset.

Use this as a buffer against unforeseen events and avoid dipping into your investments.

Periodic Review and Rebalancing
Monitor your portfolio regularly to ensure alignment with goals.

Rebalance annually to maintain the desired asset allocation.

Investment Do’s and Don’ts
Do’s
Diversify investments across multiple asset classes.
Prioritise inflation-beating returns, especially for long-term goals.
Invest systematically rather than in lumpsum for volatile markets.
Don’ts
Avoid direct real estate for investment purposes due to illiquidity and transaction costs.
Do not invest the entire corpus in high-risk options.
Steer clear of schemes offering unrealistic returns or unregulated avenues.
Final Insights
Reinvesting Rs 1 crore requires a clear strategy that matches your financial goals and risk tolerance. Diversify across equity, debt, gold, and emerging instruments for stability and growth. Keep inflation in check by focusing on tax-efficient and inflation-beating investments. Regular monitoring and adjustments will ensure your portfolio remains aligned with your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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