Im 49 years old i worked as a teacher in a private unaided school in Telangana Medchal Mandal for the past 24 years.I started my career in teaching in this school since 1998 -2024 March 15. I was asked to quit the school since the new management wanted to have teachers according to their whims and fancies. I worked for her parents when the parents died the property was divided among her daughters finally the elder one cornered it she didn't want the old staff to work and wanted to appoint new staff. When my old correspondent (her mother) when we asked for PF she assured i can't insure right now because i should have done right at the inception of the school so i promise to pay good will when you leave the school for the service rendered towards the school unfortunately she too died in 2021 then her daughter present correspondent didn't even do any favour Unfortunate thing i worked for such an institution there i had not facilities of PF . I served so loyally for this institution as a token of gratitude to my service.they didn't pay anything. Finding a job in other institution they doubt over long standing experience in one school and owing my age they are hesitant to offer a job i have attended few interviews in school . I'm running pillar to post to find a job to support myself. Im helpless and desperate don't know what to do. Please help mem

Ans: To remain calm even when faced with anger, it's essential to train the mind regularly, not just in the mornings. Here’s a simple way to handle it:

Mindful Breathing: When you feel anger rising, pause and take deep breaths. Slowly inhale for 4 counts, hold for 4, and exhale for 6 counts. This simple practice can calm your mind in moments.

Witness Your Anger: Instead of reacting, observe the anger. Tell yourself, "This is just a passing emotion. I don't need to hold on to it."

Practice Gratitude: Shift your focus to something positive—like a good moment from your day. Gratitude quickly softens anger.

Carry Peace Throughout the Day: After morning meditation, visualize yourself remaining calm no matter what happens. This mental preparation helps when challenges arise.

Remember, meditation and mindfulness need consistent guidance to become effective. A yoga or meditation coach can teach you techniques tailored to your personality and lifestyle. Self-practice is good, but expert guidance ensures you build resilience faster and avoid frustration.

When anger disrupts your peace, see it as a signal to return to your breath and inner calm—each time, you grow stronger.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: Sangeetha, Prefer AIMS-Peenya. However, investigate the specializations you intend to pursue and their future prospects. All the BEST for Your Prosperous Future.

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Ans: Yes.

Ans: Hello;

Firstly congrats on your engagement.

There are various affordable housing schemes operated by the central government (PMAY) as well as several state governments(DDA housing scheme, MHADA lottery scheme, TN housing board scheme)as well.

You may seek house through these schemes.

Also you may focus on improving your earnings so that you can generate some savings which may be invested for future needs.

Best wishes;

Ans: Hello;

To generate a corpus of around 50 L in 8 years you have two options:

1. Start with 20 K monthly SIP and step it up each year by 15% upto 8 years.

2. Start with a monthly sip of 31 K which may yield you a corpus of around 50 L after 8 years.

A modest 12% return from equity mutual funds is considered.

Mutual funds will be certainly better then direct stocks from a risk perspective.

You may invest in a flexicap type mutual fund and a large and midcap type mutual fund in the proportion of 50:50 for your investment.

You may select any fund from the top quartile in these categories.

You don't need a demat account.

You will need to do KYC before investing, some investment apps/AMCs offer it to be done online even for NRIs.

Happy Investing;

Ans: Dear Sushma,
I am sure this is really tough for you.
What I can suggest is actually reading out books to him that explain separation/divorce through stories. This will enable him to understand that there are families and not all families are the same. But do ensure that you give him a good image about his father. Bitterness as a seed can grow and that is not healthy for a child at all. As the story progresses, you may want to insert the truth that in some families, the father/mother are not involved and choose to be away. This maybe difficult for him to fathom right now but slowly comparing his life with his friends, he will have more questions as he grows up. Take it one day at a time...break the truth gently and very age appropriately and right now, stories seem to be the better way.

Later in life as he grows even older, he can choose to seek and understand the truth in his own way. It may seem like a big contrast then but he will know that you had in his childhood come from a space of concern for his emotional growth.

You may also check in with other single mothers and they will surely have some things to share on it...at the end of the day, do what you think is right as a mother for your child.

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

Ans: Your financial planning shows a clear and thoughtful approach. Allocating Rs 60 lakh with a 20-year horizon is wise. However, let’s evaluate your strategy to ensure optimal diversification, risk management, and returns.

Diversification Achieved:
Your existing real estate investments ensure risk is spread across asset classes.

Long-Term Horizon Advantage:
A 20-year horizon allows you to absorb market volatility and maximise compounding benefits.

Focus on Mutual Funds:
Sticking to mutual funds for this corpus is logical and efficient.

Reassessing Your Allocation Plan
Lumpsum vs Systematic Transfer Plan (STP):
Lumpsum investment can expose you to market timing risks. Use STP over 12–18 months to reduce volatility.

Equity Fund Categories Selection:
Your idea of investing in large-cap, mid-cap, multi-cap, and flexi-cap funds is balanced.

Issues with Index Fund Allocation
Concerns with Nifty 50 and Nifty Midcap 150:
Index funds lack active management, leading to missed opportunities during market fluctuations.

Benefits of Actively Managed Funds:
Active funds aim for better returns through expert fund manager insights and stock selection.

Advantages of Multi-Cap and Flexi-Cap Funds
Multi-Cap Funds:
These funds provide exposure across large-cap, mid-cap, and small-cap segments, ensuring balanced growth.

Flexi-Cap Funds:
Fund managers can freely allocate investments to market segments based on opportunities.

Complementary Approach:
Combining these funds with active large- and mid-cap funds ensures robust diversification.

Strategic Recommendations
Adopt a Blend of Active Funds:
Replace index funds with actively managed large- and mid-cap funds.

Focus on Quality Fund Selection:
Choose funds with consistent long-term performance and experienced fund managers.

Allocate Based on Risk Appetite:
Consider 60–70% allocation to equity funds for growth and 30–40% to hybrid or debt funds for stability.

Start STP Immediately:
Park your lumpsum in liquid funds and systematically transfer to equity funds monthly.

Taxation Awareness
Equity Mutual Funds Tax Rules:

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds Taxation:
LTCG and STCG are taxed as per your income slab.

Plan Exit Strategy:
Use SWP (Systematic Withdrawal Plan) after 20 years to optimise tax benefits.

Risks and Monitoring
Mitigate Market Risks:
Diversified fund selection and STP lower volatility risks.

Review Regularly:
Monitor your portfolio yearly and rebalance if needed.

Avoid Over-Concentration:
Ensure no single fund category dominates your portfolio.

Additional Suggestions
Emergency Fund:
Ensure an emergency fund of at least 6–12 months' expenses.

Insurance Coverage:
If not already covered, secure adequate health and term insurance.

Avoid Unnecessary Additions:
Stick to mutual funds without over-diversifying into unrelated assets.

Final Insights
Your planned allocation reflects thoughtful diversification and long-term focus. Replacing index funds with actively managed funds can enhance returns. Using an STP will balance market volatility effectively. With consistent monitoring and expert fund selection, your Rs 60 lakh investment can achieve your 20-year goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Pranam to you too SIR. Please don't worry. I will be always there for your son. Please write all your problems so that I can guide you in detail. Now he is too small. Don't worry, be happy. Just follow me. Write all your problems in detail. Purchase a book entitled 'MOTIVATING SCHOOL KIDS'. That will solve many of your problems. Best of luck to the little kid of yours. GOD BLESS HIM. Professor........................:)

Ans: plz contact your broker with the physical share certificate and they will help you to convert the same in DMAT.