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Prejudiced Boss at FMCG Company: How Do I Cope?

Archana

Archana Deshpande  |113 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Aug 13, 2024

Archana Deshpande, the founder of TransformMe Life Skills Coaching, is an image consultant, soft skills trainer and life coach.
She has been working with individuals and corporate organisations for more than 10 years during which she has helped professionals and students improve their soft skills, build confidence and enhance self-esteem.
An engineer from the PDA College of Engineering, Gulbarga, Archana had a successful career at Reliance Communications. But she has always been interested in teaching and training people. So she pursued a postgraduate diploma in teacher’s training at Pune’s Symbiosis Institute of Management Studies followed by teaching assignments in schools at Visakhapatnam and Mumbai.
Archana also holds an international certificate in image consulting and soft skills training from the Image Consulting Business Institute, Mumbai.... more
Asked by Anonymous - Jul 03, 2024Hindi
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Career

I joined a large FMCG group company at their factory, and ran right into a boss who is clearly prejudiced against me. My boss is less educated, 'risen from the ranks' employee with over 10 years of service. and has good rapport with the directors. He has a team of sycophants, and that 'close' circle of people (my co workers), feel uneasy with me, with my higher qualifications, and a higher joining salary. Within that group they indulge in malpractices, commit mistakes, but no one reports. However, they are always picking me for smallest of issues. Boss even threatened to sack me at time of confirmation review. He never discusses any problems with me, and reports directly upstairs aa if building a case against me, bit by bit. Recently, I had a chance to speak to tge director, and reported these matters to him, about the bias. However, it was apparent that Director is likely to side with my boss because he is old employee, with larger clout etc. Under this circumstances, I am worried, that without any fault, without discussion of day to day issues, I am getting cornered to doom. How should I deal with it ?

Ans: Hi!!
I really really can empathise with you, having been in a similar situation a few years ago. Having a boss who is less educated than you is always very tough. They'll always consider you as a threat and hence this kind of behaviour towards you.

What I suggest to you is this ...check yourself and your attitude towards everyone in the office. Is your mannerism and demeanour that of superiority? Do you behave/appear like a threat? If "yes", then time to correct you body language and make efforts to show that you are a team player and become likable too.

Now that you are working with them and if you are still interested in working for this organisation and people, then these are my suggestions -
- first and foremost he is your boss, it is not simply that ppl say, "boss is always right"
- find out the reason for his prejudice, see if you can work on taking it away or on minimizing it
-you are the smart one here, find ways and means of befriending your team members, one at a time, showing your good side, help as many ppl as you can without any expectations. I have this belief that no human being is bad, just address their insecurities.
- never confront anyone in a group
- you are the junior, behave like one, don't be a sycophant, but be a team member
- you can always use words like 'can you pls guide me' etc, when you are addressing anyone who is older and more experienced than you
- don't bother about how others are working and what mistakes they are a making ,neither do you have control over them nor are you the one to decide the consequences of their mistakes. You be impeccable, give your 100%, be an asset to the company.
- when you make a mistake, say sorry, correct it and move on, without attaching anymore to it than the fact that you made a mistake and it needs to be corrected( this is essential for your peace of mind)
- your boss is here since 10 yrs, he has a good rapport with the directors, there must be something in him to learn and imbibe. Pls learn and imbibe, it'll be a great asset to you as you grow in your career
- be a team player, take it slow, it is always very tough to build rapport and gel with new teams, it takes time, thought, energy, efforts to become part of a group. Give yourself and others the time
- you have already reported it to the director, trust him help you out
- build harmonious relationships with everyone around
- protect yourself too, learn to speak up, stand up for the right issues but with due respect and the right language
Observe yourself and others, you'll surely find a way to connect and work in harmony. Try all the possible solutions I have suggested, give yourself 6 months to one year, if the situation improves with your good intention and efforts, stay in this job, else quit. No one should stay in a toxic work environment ever. But do try to make it work, you'll emerge stronger and smarter.

All the very best! Remember I am with you now!!
Career

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Asked by Anonymous - Jun 18, 2024Hindi
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I am working in a corporate for last 14 years now, I always face problem dealing with people. Specially with those who you know does not have good intentions and can push you down by any means to show their worth. I usually keep my bare minimum interaction with them however they manipulation my teammates and instigate against me Irony is that whom I have a rift are in good books of the management. I simply cannot understand how management can be so bias, just with alcohol, non veg and gossips people can grow It' been 15 years I always struggle dealing with manipulative and toxic coworkers.
Ans: It’s common in corporate settings for certain people to thrive through social politics, but that doesn’t mean it’s fair or that you have to put up with it indefinitely. While keeping a minimum interaction with these individuals is a healthy boundary, it might also be time to think about how you can navigate these situations more strategically, without letting them affect your mental peace.

One approach could be to shift your focus from trying to understand why management might be biased to figuring out how you can position yourself better within the organization. Sometimes, it’s not about playing the same game as those toxic coworkers but about creating your own narrative. Instead of engaging with the drama, focus on building strong alliances with people who appreciate your work and values. Even if management seems biased, finding key people who recognize your worth can help you stay grounded and give you a sense of support.

At the same time, it’s crucial to recognize that you cannot control how others behave, but you can control how you respond. If you feel manipulated or undermined, documenting these situations can be helpful, especially if it ever escalates to a point where you need to defend yourself to HR or management.

Ultimately, it might also be worth reflecting on whether this work environment is the right fit for you long-term. Toxic environments can be exhausting, and if the culture consistently rewards those who engage in gossip and manipulation, it might not align with your values. Considering whether there are other opportunities within or outside the company where you feel more supported and respected could be an important step.

If staying in this environment is what you choose, focusing on your strengths, maintaining your professionalism, and seeking support from trusted colleagues can help you manage these challenges more effectively. You deserve to work in a place where your skills and contributions are recognized without needing to engage in toxic dynamics.

..Read more

Archana

Archana Deshpande  |113 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Asked by Anonymous - Oct 16, 2024Hindi
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Career
My manager is constantly manipulating his boss about me. Everyone in my team is aware that she is increasingly insecure about my success and feels threatened by me. She often gives incorrect and incomplete feedback due to which my manager feels that my manager is more efficient than I am. In the past, 4 people have quit or been foced to resign due to these politics. Should I also quit and move to another company or should I talk to the manager about this? Pls help
Ans: Hi!!

When I was working in the corporate world, the oft repeated quote was, "people don't leave the company ,they leave bad bosses".
Your manager's boss is your super boss, rt? Can't you go and speak to him directly and put your concerns across?
I am sure the HR must have noticed that people are quitting and might have explored the reasons why they are doing so too, do check with them.
I fail to understand why women should not cooperate with each other. You can also explore the option of talking directly to the manager and telling her if your actions in any way have caused some misunderstanding and if she says yes then you are willing to clear them. Also tell her that you are not eyeing her post and you are just trying to do your job well. I did the same with one of my bosses, it worked for me, we became the best of friends, we are still in touch. You need to think which is your best option and choose one from all the possible solutions I have mentioned. You can always quit, that's the last option I feel..

Hoping you choose wisely..All the very best!!

..Read more

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Ramalingam

Ramalingam Kalirajan  |8600 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 25, 2025
Money
Hello Sir I am 46 years age working in central govt my current salary is 88k in hand with nps corpus of 30 lacs .i have wasted about 15 years of job period in which my only investment was lic of amount 8 lacs which will mature on 2027. I have married lately in my 40s and now i have 3 years old son.i have tried to become disciplined now and in these 2020 to till date purchased gold ornaments of Rs 25 lacs. Sir i have a question whether i should go for UPS or stay in NPS and i have no other investments. I live in my ancestral house with my family. Please suggest.
Ans: You’ve shown real commitment by becoming disciplined in recent years.
Let’s now create a 360-degree plan to secure your financial future.

Your Current Financial Profile
Age: 46 years

Employment: Central Government

Monthly in-hand salary: Rs. 88,000

NPS corpus: Rs. 30 lakhs

LIC investment: Rs. 8 lakhs (matures in 2027)

Gold bought from 2020 till now: Rs. 25 lakhs

Owns ancestral home; no housing rent or EMI burden

Married late; has 3-year-old son

No other investments currently

You have built a strong NPS corpus.
You also have gold and an LIC policy.
But your asset allocation is unbalanced.
It needs more diversification for stability and growth.

Understanding NPS and the New UPS Option
Government employees now have the choice to move from NPS to UPS.
This switch is optional and available for a limited time.

Let’s compare them carefully before any decision.

NPS – National Pension System
Pension is based on market performance

No assured income in retirement

Allows investment choice in equity and debt

Gives tax benefits under multiple sections

Offers flexibility but comes with market risk

NPS is good for growth but lacks guaranteed pension.
Returns depend on fund performance.
Pension amount at retirement is not fixed.
You will need to buy annuity at the end.
But annuity returns are generally low.
Also, annuity income is taxable.

UPS – Unified Pension Scheme (New Option)
Offers guaranteed pension after retirement

Pension amount is fixed at 50% of average last salary

Needs at least 25 years of service

Government will contribute more than under NPS

Gives peace of mind with predictable income

UPS gives financial stability in retirement.
It is not linked to market returns.
But you lose the flexibility and market growth of NPS.
You also don’t have control over your retirement corpus.
It may fall short of inflation-adjusted needs.

Which is Better for You?
You are 46 now.
So, you may have already completed more than 20 years of service.
If your qualifying service is 25 years, you can choose UPS.

Choose UPS if:

You want assured income in retirement

You are uncomfortable with market risks

You don’t want to manage investments post-retirement

Stay with NPS if:

You want growth potential with flexibility

You are okay with variable pension income

You are willing to plan annuity and withdrawals

Since you are already in NPS with Rs. 30 lakh corpus,
you should weigh the impact of switching carefully.
You can’t reverse it once opted.
Compare estimated pension under UPS
with possible pension from NPS corpus.

About the LIC Policy
You mentioned LIC worth Rs. 8 lakhs maturing in 2027.
You didn’t specify if it is term or endowment.

If it is an endowment plan, returns will be very low.

Consider surrendering the policy post-maturity.
Reinvest the maturity amount into mutual funds
through a Certified Financial Planner and MFD.

Avoid mixing insurance and investment.

Over-Exposure to Gold: A Concern
You’ve accumulated Rs. 25 lakhs worth of gold.

That’s a very high allocation to a single asset.

Gold does not give regular income.
It doesn’t beat inflation in the long term.
Also, jewellery has making charges and low resale value.
Liquidity is also limited compared to financial assets.

You may retain some portion as family reserve.
But avoid fresh investment in gold.
Avoid considering gold as your core long-term asset.

Create an Emergency Fund
You have a dependent child and only one income.
Maintain an emergency fund of 6 months’ expenses.

Keep it in a liquid fund or savings account.
This will help during medical or job emergencies.

Plan for Child’s Education
Your son is only 3 years old.
You have 15 years before his higher education.

Start a SIP now for his future.
Use a diversified mutual fund with long-term potential.

As he grows, reduce equity exposure gradually.

Create a dedicated portfolio only for education.
Don’t mix it with other goals.

Start SIP in Mutual Funds for Growth
Mutual funds offer good diversification and professional management.
Avoid direct funds, especially if you lack expertise.

Regular funds with support of CFP and MFD
offer hand-holding, periodic review, and behavioural support.

Direct funds lack personal guidance.
You may end up choosing unsuitable schemes.

Investing through an MFD with CFP credential
brings strategy, discipline, and peace of mind.

Avoid index funds.
They just follow the market blindly.
They don’t protect during market fall.

Actively managed mutual funds are better.
They aim for alpha returns and are guided by research.

Retirement Planning Must Start Now
You have only around 14 years left before retirement.

Depending only on UPS/NPS will not be enough.

You need an additional retirement corpus
to handle inflation and rising medical costs.

Start a separate SIP only for retirement.

This will help supplement your pension.

If you retire at 60 and live till 85,
your retirement will last 25 years.

Plan well in advance to avoid dependence later.

Do a Monthly Budgeting Exercise
Your current in-hand salary is Rs. 88,000.
You can still start small SIPs with Rs. 5,000 to Rs. 10,000.

Track expenses.
Avoid unnecessary purchases.
Gold buying can be stopped.

Assign money towards education, retirement, and emergency fund.

Check for Existing Insurance
Check if you have life cover.
If not, take a pure term insurance plan.

This will secure your son’s future.
Also take family health insurance.

Medical bills can wipe out savings.

Do Not Depend on Physical Assets Only
Gold is not income-producing.
House is for living, not for income.

You need financial assets for retirement cash flows.

Create a financial asset base now
through mutual funds and NPS.

Final Insights
You have taken a step in the right direction.
Your gold assets and NPS corpus give a base.

But you need to balance and grow wisely.
Don’t depend only on government pension.
Start SIPs for retirement and child’s future.

Don’t lock money in low-return products.
Seek professional support for fund selection and goal tracking.

Make every rupee count from now on.
That’s how you can create financial freedom in retirement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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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