Home > Career > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

R P Yadav |304 Answers |Ask -Follow

HR, Workspace Expert - Answered on Aug 14, 2023

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
... more

Asked by Anonymous - Aug 13, 2023Hindi

Career

Hellow sir, Request you to please suggest and help? I am 39 yrs old male with no job in hand. I am not married as well. Actually my mom was detected with liver cirrhosis and was asked to have liver transplant on Septemeber 2022. After tht i was all after taking care of my mom and looking out for donors. I didnt hav anybody to take care of my mom, my sister is settled in USA and she was expecting. Hence she could nt help, but all the financal help was done by her. My mom underwent Liver Transplant in the month of May 2023 and now she is recovering. I am with her taking care of her. I hav Dad, bt he is also very old. I was before sept 2022 working in a Reputed hospital as deputy marketing manager. I have done my MBA marketing as well with a hotel management degree. I have a total of 11 years of experience with 8.26 lakhs per year package. I always felt in regards of my marriage i m unable to get a match coz i dont hav a suitable job with good package. At 39 i m unable to upgrade my skills coz of all my responsibilities. Maybe September i am thinking of looking out for a job, as my sister is going to return from US. I want to get married and lead a normal life. I also want to grow in life so that i can keep my family happy. I m afraid of being alone all my life, coz my parents in regards with dere health are not doing well. I also want grow in my career. Request you to please guide me what should i do in life ahead . I had no relatives support that is why i had to leave my job to take care of my Parents. At 39 i feel tht i m too old to get married as dere are very few proposals of my age and those which are dere are very much well settled in life and would epexct somone who is more sucessful than me.

Ans: Hi,
I can understand that you have got two issues primarily. First, you need to get a job and secondly is to get married along with taking care of your parents. You can look for jobs through job portals and look for match through various matrimony portals and marriage bureaus. If you do this consistently for a few months, you are bound to succeed.

You may like to see similar questions and answers below

Nitin Sathe |126 Answers |Ask -Follow

HR, Recruitment Expert - Answered on Jan 30, 2023

Question by suresh - Jan 28, 2023Hindi

Career

Sir, I have lost my job over a year back and i still find it difficult to get a new job inspite of the fact that I have over 20 years experience in the field. At this stage, all my saving are coming to an end and i do not see any future or any other means of livelihood. I have been told that at my age of 46, it is difficult to find an new job or to change my field. I am not sure as to what I should do. Kindly advise. Please advise. Suresh

Ans: 46 isn't an age where you won't find a job. Your kind of experience is an asset and you must use this as leverage. Please continue to look around with zeal and positivity and I am sure that you will find a job that suits your interests. Best of luck and regards.

(more)

Ravi Mittal |179 Answers |Ask -Follow

Dating, Relationships Expert - Answered on May 19, 2023

Question by SHASHANK - May 12, 2023Hindi

Relationship

I'm 48 years old never married guy. I once suffered from rare cancer which is cured now. Also hv epilepsy whose treatment will go life long. Doctor says that i should disclose my health issue with whom I'm thinking of getting married but no one takes talks further. I'm infact ready for divorcee or widow too but failed. Some ppl reject me as my salary is mot much, some says that i dont hv my own hm etc but i hv many friens who are getting less salary but are happily married. My whole family if highly educated although I'm also pg but still get rejected. My dad expired n was too worried for my marriage. Now my mother is with me n i dont know what to do. I hv spend approx 35k on matrimonial advertisements but got no success. Im currently in touch with girl for last 1+ year but dont know whether she likes me or not although i hd expressed my feelings to her many times but she never respond n get silent on that. Kindly help whether i should approach this girl or leave her. I like this girl very much. Should i still search for a bride or leave this issue. Kindly help.

Ans: Dear Shashank,

If you have been straightforward about your feelings for this woman and expressed the same and yet she has never reciprocated it even once so far, it might be because she does not feel the same about it. I'd suggest you talk to her about this. Instead of leaving it open-ended, like "I like you," and letting her react to it, be direct. For instance, "I like you. What about you? Do you like me?" Being direct would definitively fetch you some real answers. If she replies to your question, there you go; you have your answer. If she ignores it still, you can safely assume that she doesn't feel the same way as you do. Don't delay this; ask her as soon as possible. Stretching a relationship that ultimately leads to a dead-end will harm your peace and happiness in the longer run.

(more)

Anu Krishna |835 Answers |Ask -Follow

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

Asked by Anonymous - Jun 06, 2023Hindi

Relationship

I am 48 years old. Ever since my childhood I was a bright student but was denied education and other facilities like good clothes, footwears etc despite I was being a only son having 2 sisters, where as eldest sister was provided with extra facilities which she did not care for. Our economical background was moderate. We were not poor. After my schooling which was free I completed my diploma and degree in mech. Engg(long distance education) of my own and worked in related companies for 10 years. My performance was appreciated orally but received nominal monitory benefits. After that I learnt Info Tech skills from my savings and worked in IT field for 16 years. Here also my work was highly appreciated but received quite a minimal monitory benefits, May be because of my very simple and state forward nature but not naïve one certainly. Now since last 1 year I learnt trading skills in share market, but here also, even though I am not in loss but is still awaiting a minimum satisfactory success. I am able to cater to all the requirement of my nuclear family but does not have a car and still not able to make long distance tours. Now days I feel like I am a big looser and also feel like my luck will never let me win big. Whereas most of my friends have achieved great success in less than 5% struggle than mine with the help of their parents. I am feeling diminished, lost, wasted and hapless/hopeless. Kindly suggest.

Ans: Dear Anonymous,
Let's accept that not all of us are born with a silver spoon and furthermore, we may always be at the losing end with core relationships as well...
At 48, do you want to go back in time and count all that went wrong, how unfair people and life was? Are you able to change anything? NO!

1. You cannot change your past but you can certainly change the way you feel about it.
2. The way you feel about your past is what will create your current reality. You can check with yourself; your present life is possibly filled with challenges and short-lived happy times. That is because you have chosen to play the VICTIM card even now. What happens in the past, stays there.
3. Why not instead laud your efforts at learning new skills at trading and expand your expertise through certifications and other forms of learning? This will not only help at work but will also teach you to look within yourself more.
4. I am unsure if your statistic of 5% is something that you have come up with enough research
5. Your parents did what they could and to accept it even if you feel unfairly treated is the only way you can move ahead

Choose: Play the victim of the past OR Play the creator of the present and future.

To choose the latter will mean. letting go of the past that you are holding onto? Are you ready to do this? I am sure you want to; who wouldn't want to create a better life for themselves?

All the best!

(more)

Latest Questions

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi

Money

Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.

Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 13, 2024Hindi

Money

Hi, I plan to invest in the following funds for 2 years through SIP from April 24. Investment holding time frame is 15 years. Nipon India Small Cap (10K); HDFC Small Cap (10K); HDFC Mid Cap Opportunities Fund (7.5K); Motilal Oswal Nifty Mid Cap 150 Index Fund (7.5K); Mirae Assets Large & Mid Cap (5K); ICICI Pru Value Discovery (10K). All funds selected are of Growth option and Direct investment option. Requesting your expert comments in the fund selection/ amount allocation. Thanks.

Ans: Your investment plan demonstrates a well-diversified portfolio across different market segments, reflecting a prudent approach to long-term wealth creation. By allocating funds to both small and mid-cap, as well as large-cap categories, you're spreading your risk while tapping into growth opportunities across the market spectrum.

It's essential to maintain a balanced allocation and periodically review your portfolio's performance to ensure alignment with your long-term goals. Additionally, consider factors such as market conditions, economic trends, and fund manager track records when evaluating your investments.

Remember, investing is a journey, and staying disciplined during market fluctuations is key to achieving your financial objectives. With a strategic asset allocation and a patient mindset, you're poised to navigate the ups and downs of the market and potentially achieve your wealth accumulation goals over the long term.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 27, 2024Hindi

Money

Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then

Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 01, 2024Hindi

Money

Could you please advise how much monthly SIP should be invested to reach a goal of 50 Lacs in 3 years, consider moderate to high risk investment options in MF and pls advise the preferred portfolio

Ans: Achieving a goal of 50 lakhs in 3 years through mutual fund SIPs entails aggressive investing due to the relatively short time horizon. Given the moderate to high risk appetite, here's a suggested approach:

Large & Mid Cap Funds: Allocate around 40-50% of your SIP amount to large & mid-cap funds. These funds invest in a mix of large and mid-sized companies, offering growth potential with relatively lower risk compared to small caps.
Mid & Small Cap Funds: Dedicate around 30-40% of your SIP to mid & small-cap funds for higher growth potential. These funds invest in mid and small-sized companies, which can be volatile but offer the potential for significant returns.
Multi Cap Funds: Allocate the remaining 10-20% to multi-cap funds for diversification across market capitalizations. Multi-cap funds invest in companies across market segments, providing flexibility to capitalize on emerging opportunities.
Considering the aggressive approach and relatively short timeframe, you may need to invest a significant amount monthly. However, it's crucial to assess your risk tolerance and financial capacity before committing to higher SIP amounts. Consulting with a Certified Financial Planner can help tailor the portfolio and SIP amount to your specific goals and risk profile.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by Rahul - May 01, 2024Hindi

Money

Hi i am 40 yrs of age and want to start with SIP of 15 k can you please suggest combination of some MFs.

Ans: Starting a SIP with a monthly investment of 15k is a commendable step towards building wealth over time. Here's a suggested combination of mutual funds across different categories to consider:

Large Cap Funds: These funds invest in large, established companies with a track record of stable growth. They offer stability to your portfolio.
Mid Cap Funds: Mid-cap funds invest in stocks of medium-sized companies with high growth potential. They can provide an opportunity for higher returns over the long term.
Flexi Cap Funds: Flexi cap funds have the flexibility to invest across companies of various market capitalizations, offering a well-diversified portfolio.
Balanced Advantage Funds: These funds dynamically manage asset allocation between equity and debt based on market conditions, offering a balanced approach to investing.
By diversifying across these categories, you can create a well-rounded portfolio that balances growth potential with risk management. Remember to choose funds based on your risk tolerance, investment horizon, and financial goals. Consulting with a Certified Financial Planner can help tailor the portfolio to your specific needs and circumstances. Happy investing!

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

Hi all, I have a daughter and son with age 7 years . For daughter i am investing in SSY but what is the best plan for boy . Could you suggest any monthly plan for him

Ans: It's wonderful to see your proactive approach towards securing your children's future. For your son, you have various investment options to consider.

One popular choice is to start a systematic investment plan (SIP) in mutual funds. SIPs allow you to invest a fixed amount regularly in mutual funds, providing the potential for long-term wealth creation. You can choose equity-oriented mutual funds for higher growth potential, considering the long investment horizon for your son.

Additionally, you may explore options like recurring deposits or fixed deposits in banks for a more conservative approach. These options provide stable returns over time, albeit generally lower than equity investments.

Before making any decisions, consider factors such as your risk tolerance, investment horizon, and financial goals for your son's future. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances.

Remember, starting early and staying consistent with investments can go a long way in helping your son achieve his dreams and aspirations.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

Hello sir, I am a 38 yr old female. I have a homeloan of 40lakhs, EMI for Rs 32000 pm. I have a 7yr old son. My monthly income is 1 lakh in hand. How much SIP should i do to repay homelone in 10yrs and create a retirement corpus of Rs 2cr plus my son's education. Pls suggest.

Ans: Your determination to secure your financial future while balancing your responsibilities is truly admirable. To achieve your goals of repaying your home loan in 10 years and building a retirement corpus of Rs 2 crore, strategic planning is key.

Considering your monthly income and existing EMI, it's important to strike a balance between loan repayment and investing for your future. A Certified Financial Planner can help you create a personalized financial plan that factors in your income, expenses, and investment goals.

By allocating a portion of your monthly income towards SIPs in mutual funds, you can gradually build a corpus for both loan repayment and retirement. Your commitment to regular investing, coupled with disciplined spending habits, will set you on the path to financial freedom and security.

Remember, Rome wasn't built in a day. Stay patient, stay focused, and trust the process. With determination and the right guidance, you'll inch closer to your financial aspirations one step at a time.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Apr 26, 2024Hindi

Money

I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.

Ans: It's wonderful to see your proactive approach towards investing and securing your family's financial future. Investing in mutual funds through SIPs can be a great way to start building wealth gradually over time.

For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

For your daughter, she can also opt for SIPs in equity funds aligned with her risk tolerance and long-term financial objectives. Encouraging her to start investing early can help her harness the power of compounding and achieve her financial goals.

To start investing in mutual funds, you can approach a Certified Financial Planner or a mutual fund distributor who can guide you through the process, help you select suitable funds, and assist with the necessary paperwork.

Remember, investing is a journey, and it's essential to stay disciplined, patient, and well-informed along the way. With dedication and the right guidance, you can pave the way towards a financially secure future for your family.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by Ganesh - Apr 26, 2024Hindi

Money

Hi, I have booked a flat in 2021, it is still under construction and will be handed over by March 2025. I took home loan from ICICI bank for this. But interest rate is high and I am getting much better offers from other banks. Want to know what will happen to PMAY subsidy if I transfer the loan now. First 3 steps were completed by ICICI, it is pending for approval now. Please help.

Ans: Navigating home loan transfers can be a daunting task, especially when considering the implications on schemes like PMAY subsidy. While seeking a better interest rate is understandable, it's essential to weigh the potential impact on existing benefits.

Transferring your home loan may affect your eligibility for PMAY subsidy, as the scheme's guidelines may vary depending on the lender and the stage of loan processing. It's crucial to carefully review the terms and conditions of your loan agreement and consult with your lender to understand the implications of transferring the loan.

While seeking financial advantages is prudent, ensuring the continuity of benefits like PMAY subsidy can significantly impact your overall cost of homeownership. Consider seeking guidance from a Certified Financial Planner to explore all options and make an informed decision that aligns with your financial goals and priorities. Remember, patience and thorough research are key to making the right choice for your financial future.

(more)

Ramalingam Kalirajan |1221 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Question by guna - Apr 19, 2024Hindi

Money

Hi sir im guna 26/m last 1year im investing in mutual funds started at 5k per month and now im at 20 k in these funds Parag parik flexi cap 1000 Nippon small cap 500 SBI small cap 500 PGIM mid cap 1000 SBI contra 500 Quant ELSS & Mirae asset ELSS each 1000 Nippon index fund mix of Large,Mid,and small cap 15,000 Lumsum investment 50,000 In HDFC nifty 50 index fund Im planning for long horizon of 15 to 20 years

Ans: Your commitment to long-term investing is commendable and reflects a forward-thinking approach to securing your financial future. By starting early and diversifying your portfolio across different asset classes and fund categories, you're laying a solid foundation for wealth creation over the next 15 to 20 years.

Remember, investing is a journey, not a sprint. Stay patient and disciplined, and resist the temptation to make impulsive decisions based on short-term market fluctuations. Instead, focus on the underlying fundamentals of your investments and the power of compounding to grow your wealth over time.

As you navigate the ups and downs of the market, continue to educate yourself, stay informed about economic trends, and periodically review your portfolio to ensure it remains aligned with your long-term goals.

With perseverance, prudent decision-making, and a well-diversified portfolio, you're well-positioned to achieve your financial aspirations and build a brighter future for yourself. Keep up the good work!

(more)

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x