Home > Career > Question
Need Expert Advice?Our Gurus Can Help
Krishna

Krishna Kumar  |280 Answers  |Ask -

Workplace Expert - Answered on May 02, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more
Honda Question by Honda on Apr 30, 2024Hindi
Listen
Career

How to avoid frustration in work place and can go to home in peace, I don't want to reflect my behaviour to affect my family,

Ans: Hello

Please tell yourself work is for maintaining life...works in not life.

Detach your self identity from work.

Give your best when you are working and when things don't work out it's not always your fault, so be kind to yourself.

Hope this helps. All the best.
Career

You may like to see similar questions and answers below

Mayank

Mayank Rautela  |238 Answers  |Ask -

HR Expert - Answered on Aug 24, 2022

Kanchan

Kanchan Rai  |189 Answers  |Ask -

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

Asked by Anonymous - Jul 15, 2023Hindi
Listen
Relationship
Iam also Married Person since last 12 yrs pass no any child that also a problem in family lots of time became angry on wife and mother so give some suggestion of it Sanjay Makwana married dt 12/02/2012
Ans: Hello Sanjay Makwana,

It sounds like you're facing challenges in your marriage and family life. It's important to approach these situations with understanding and patience. While I can offer some general guidance, please keep in mind that I am not a licensed therapist or counselor. Here are some suggestions that might help you navigate these issues:

1. Open Communication:
Healthy communication is the foundation of any strong relationship. Make an effort to have open and honest conversations with your wife and family members about your feelings, concerns, and frustrations. Encourage them to share their thoughts as well. Avoid blaming or criticizing and instead focus on expressing your emotions constructively.

2. Seek Professional Help:
If your anger is affecting your relationships and well-being, it might be beneficial to seek guidance from a professional therapist or counselor. They can help you understand the underlying causes of your anger and provide strategies to manage it effectively.

3. Practice Empathy:
Try to put yourself in the shoes of your wife and family members. Understand that everyone has their struggles and challenges. Empathy can help create a more supportive and understanding environment at home.

4. Stress Management:
Anger can sometimes be a result of accumulated stress. Engage in stress-relief activities such as exercise, meditation, deep breathing, or engaging in hobbies that bring you joy. Managing stress can contribute to a more peaceful mindset.

5. Quality Time:
Spend quality time with your wife and family. Engage in activities you all enjoy, and make an effort to create positive memories together. This can strengthen your bond and reduce tension.

6. Patience and Understanding:
Marriage and family life come with their own set of challenges. It's important to remember that relationships require effort, understanding, and patience. Be prepared to work through difficulties together.

7. Focus on Solutions:
Instead of dwelling on the problems, focus on finding solutions. Collaborate with your wife and family members to come up with strategies that address the challenges you're facing.

8. Apologize and Forgive:
If you've had moments of anger or conflicts, don't hesitate to apologize when needed. Apologizing shows that you value the relationship. Similarly, practice forgiveness when others make mistakes. Holding onto grudges can exacerbate tensions.

9. Seek Joyful Moments:
Look for moments of joy and positivity in your daily life. Focusing on the positives can help shift your mindset and contribute to a more harmonious environment at home.

10. Be Patient Regarding Parenthood:
If you and your wife are facing challenges with having children, consider seeking medical advice if you haven't already. Parenthood is a journey that takes time for some couples. It's important to support each other and explore all available options.

Remember, building strong relationships requires effort from all parties involved. If you find that the challenges are overwhelming, seeking professional help is a wise step to take. A licensed therapist or counselor can provide tailored guidance based on your specific circumstances.

..Read more

Ashwini

Ashwini Dasgupta  |70 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Nov 02, 2023

Listen
Career
Hello Mam, how to control anger during the job.
Ans: Hi Priyank,

Hope you are doing well.

Apology for the delay in replying.

It's natural to feel angry at times, but it's how you respond to and manage that anger that matters in a professional setting. It's important to decode the emotion (in this case it is anger). For example- when you get angry- ask yourself what is the reason behind. Is it because someone is not listening to you, is it because you are not ok with the idea been shared or is there any other reason. Here, you need to work on yourself in understanding different perspectives of the given situation.

Few simple gateways -
Recognize your triggers- Identify the situations or factors that trigger your anger. This could be a difficult colleague, a heavy workload, or tight deadlines. Awareness is the first step in control.

Take a Break: When you feel anger building, step away from the situation, if possible. A short break can help you cool down and gain perspective.

Use "I" Statements (this is a game changer): When discussing a problem with a colleague or anyone, use "I" statements to express your feelings and needs without blaming or accusing. For example, say, "I feel frustrated when..." instead of "You always..."

Problem-Solve: Instead of focusing on the problem itself, shift your attention to finding solutions. This can help you feel more in control.

These are few navigations which you can start to practice. I will be keen to know your progress.

Until then Be You. Be Confident.

To Your Success
Ashwini Dasgupta
Author of Confidence Decoded- is it a skill or attitude?

..Read more

Kanchan

Kanchan Rai  |189 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Listen
Relationship
I am working in a good priviate company for the last 32 years . For the last 6 months I am loosing interest in work orin office wanted to stay at home. But I had realised that even at home during holidays/sundays I do not feels good at all, dont like to talk intereact etc. even do not like to visit any wheres . all the tims=es scared about unwanted worries . Plesae tell me the solution.
Ans: Dear K
It sounds like you may be experiencing a deeper sense of disengagement and possibly even symptoms of depression or anxiety. It's important to address these feelings and seek support from professionals if needed. Consider reaching out to a therapist or counselor who can provide you with support and guidance. They can help you explore the underlying causes of your feelings and develop coping strategies to manage them. Prioritize self-care activities such as exercise, meditation, spending time outdoors, and engaging in hobbies that bring you joy. Taking care of your physical and emotional well-being is crucial for managing stress and improving your mood.Even if you don't feel like socializing, try to stay connected with friends and loved ones. Having a support system can provide comfort and perspective during difficult times.Reflect on what gives your life meaning and purpose beyond work. Consider volunteering, pursuing hobbies, or engaging in activities that align with your values and interests. Be gentle with yourself and recognize that it's okay to have periods of low motivation or energy. Set realistic expectations for yourself and celebrate small victories along the way.If you're experiencing symptoms of depression or anxiety, such as persistent feelings of sadness, hopelessness, or worry, consider speaking with a psychiatrist. They can assess your symptoms and recommend appropriate treatment options, which may include therapy, medication, or a combination of both.Establishing a daily routine can provide structure and stability, which can be especially helpful if you're feeling aimless or unmotivated. Try to incorporate activities that bring you a sense of fulfillment and accomplishment.Practice mindfulness and focus on the present moment rather than dwelling on past regrets or worrying about the future. Mindfulness techniques such as deep breathing, meditation, or progressive muscle relaxation can help calm your mind and reduce stress.
Remember that seeking help is a sign of strength, and you don't have to navigate these feelings alone. There are resources and support available to help you work through this challenging time and rediscover a sense of purpose and fulfillment in your life.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 17, 2024Hindi
Listen
Money
Hi..I am 41 and currently having a home loan of around 50 lakhs...I am planning to repay the loan within next 5 years..I can invest around 50000 per month for the same...pls suggest which type of funds should I do SIP in? Flexi Cap or Agressive Hybrid funds are advisable in this case? I would want to continue investing in these SIPs even after my loan is repaid as my long term investment.
Ans: Investment Strategy for Home Loan Repayment and Long-Term Wealth Creation
Assessing Your Financial Goals
At 41, with a goal to repay a home loan of 50 lakhs in the next 5 years while continuing to invest for the long term, you need an investment strategy that balances stability and growth. You can invest 50,000 per month to achieve these objectives.

Recommended Investment Approach
Flexi Cap Funds for Growth and Flexibility:

Diversification: Flexi cap funds provide the flexibility to invest across market capitalizations (large, mid, and small caps) based on market conditions and fund manager expertise.
Growth Potential: These funds can adjust allocations dynamically to capture growth opportunities, making them suitable for both medium and long-term investments.
Risk Management: The diversified nature helps in managing risks, offering a balanced approach suitable for investors looking for growth with moderate risk.
Aggressive Hybrid Funds for Balanced Risk:

Equity-Debt Mix: Aggressive hybrid funds typically invest 65-80% in equities and the rest in debt instruments, providing a balance of growth and stability.
Moderate Risk: These funds are less volatile than pure equity funds due to their debt component, making them suitable for medium-term goals like loan repayment.
Stable Returns: The debt portion helps in cushioning against market volatility, providing relatively stable returns.
Suggested Strategy
Initial Focus on Debt Reduction:

Higher Allocation to Aggressive Hybrid Funds: For the next 5 years, prioritize aggressive hybrid funds to balance risk while aiming for steady returns. This will help you build a corpus for loan prepayments.
Example Allocation: Invest 30,000 per month in aggressive hybrid funds and 20,000 per month in flexi cap funds. This balance ensures that you can manage volatility while aiming for decent growth.
Post Loan Repayment Strategy:

Increase Allocation to Flexi Cap Funds: Once the home loan is repaid, you can shift a larger portion of your SIPs towards flexi cap funds to maximize growth for long-term goals.
Continued SIPs: Continue with the SIPs to build wealth over the long term, adjusting the allocation based on your risk appetite and market conditions.
Monitoring and Adjustment
Regular Review: Periodically review the performance of your funds and make adjustments if necessary. Ensure that your portfolio aligns with your financial goals and risk tolerance.
Rebalancing: Rebalance your portfolio annually to maintain the desired allocation between flexi cap and aggressive hybrid funds.
Conclusion
By investing in a mix of aggressive hybrid and flexi cap funds, you can effectively manage the repayment of your home loan while continuing to build long-term wealth. This strategy balances risk and growth, ensuring financial stability and growth potential.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Can I increase my pf contribution or can I invest money in SIP? PLS suggest which is best
Ans: Choosing Between Increasing PF Contribution and Investing in SIP
Evaluating Your Options
When deciding between increasing your Provident Fund (PF) contribution and investing in a Systematic Investment Plan (SIP), it’s important to consider your financial goals, risk tolerance, and the potential returns from each option.

Benefits of SIP Investments
Higher Potential Returns: Equity mutual funds generally offer higher returns compared to traditional savings schemes like PF. Over the long term, SIPs in well-managed equity funds can significantly outperform fixed-income investments.

Diversification: SIPs provide exposure to a diversified portfolio of stocks, which helps in spreading risk. This is particularly beneficial in the long term, as it reduces the impact of volatility on your investments.

Flexibility: SIPs offer flexibility in terms of investment amounts and the ability to pause or stop contributions if needed. This is particularly useful for managing cash flow.

Liquidity: Investments in mutual funds are more liquid compared to PF. You can redeem your SIP investments partially or fully without much hassle, depending on the fund’s exit load and redemption norms.

Tax Efficiency: While PF contributions are tax-free, SIPs in Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C. Additionally, long-term capital gains from equity funds are taxed at a favorable rate, enhancing post-tax returns.

Considerations for SIP Investment
Risk Appetite: Equity investments come with market risk. Ensure that your risk tolerance aligns with the volatility associated with equity markets.

Investment Horizon: SIPs are most effective when invested for the long term (5-10 years or more). This allows you to benefit from the compounding effect and market growth over time.

Goal Alignment: Align your SIP investments with specific financial goals such as retirement, children’s education, or buying a home. This helps in disciplined saving and tracking progress.

Recommended Strategy
Start or Increase SIPs: Begin or enhance your SIP investments in diversified equity funds. Given your age and long-term horizon, focus on a mix of large-cap, mid-cap, and flexi-cap funds to balance risk and reward.

Review Periodically: Monitor the performance of your SIPs regularly and make adjustments as needed. Rebalancing your portfolio ensures alignment with your financial goals and market conditions.

Continue PF Contributions: While SIPs are advantageous, maintaining your PF contributions is also important for a stable retirement corpus. PF provides a secure, risk-free return, which complements the higher-risk equity investments.

Conclusion
Investing in SIPs is a better choice for achieving higher returns and flexibility compared to increasing PF contributions. Ensure that your investment strategy aligns with your financial goals, risk tolerance, and long-term planning.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.
Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Hello sir, I want to invest some amount of money from my salary about 7000-8000 per month to meet my short term goals like marriage and buying a car in a horizon of 4-5 years , I am already invested in Mutual funds and Stocks for meeting my long term goal .My current age is 25 ,kindly suggest me some strategies for short term invest of 5 years.
Ans: Short-Term Investment Strategies for Achieving Your Goals
Assessing Your Short-Term Goals
With a horizon of 4-5 years, your objectives of funding a marriage and buying a car require a conservative investment approach to minimize risk while aiming for reasonable returns. Let's explore suitable strategies to meet these goals effectively.

1. Debt Mutual Funds
Consider allocating a portion of your monthly investment towards debt mutual funds, which offer stability and relatively lower risk compared to equity investments. Opt for short to medium duration debt funds or dynamic bond funds that provide potential for higher returns than traditional fixed deposits.

2. Recurring Deposits (RDs)
Investing in Recurring Deposits (RDs) can be a simple and convenient option to accumulate funds for short-term goals. RDs offer fixed returns with the flexibility of monthly contributions, allowing you to build a corpus gradually over time.

3. Liquid or Ultra Short-Term Funds
Liquid funds or ultra-short-term funds are suitable for parking your short-term savings, offering liquidity and stability. These funds invest in short-term debt securities, providing potential for higher returns than traditional savings accounts while maintaining capital preservation.

4. Systematic Investment Plans (SIPs) in Balanced Funds
Consider investing in SIPs in balanced funds, which offer a mix of equity and debt exposure, balancing growth potential with downside protection. Balanced funds can provide stability during market fluctuations while aiming for reasonable returns over the medium term.

5. Goal-Based Investing
Segment your short-term goals, such as marriage and car purchase, and allocate investments accordingly. Determine the required amount for each goal and set up separate investment accounts or portfolios to track progress towards achieving them.

6. Regular Review and Adjustment
Periodically review your investment strategy and make adjustments based on changing market conditions, goal timelines, and personal circumstances. Consider reallocating funds between investment options to optimize returns and manage risk effectively.

Conclusion
By diversifying your investments across debt mutual funds, RDs, liquid or ultra-short-term funds, and SIPs in balanced funds, you can create a robust short-term investment strategy to achieve your goals within the 4-5 year horizon. Stay disciplined in your savings approach and monitor your progress regularly to ensure you're on track to meet your objectives.

Best Regards,

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

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

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

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

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x