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Ashwini Dasgupta |68 Answers |Ask -Follow

Personality Development Expert, Career Coach - Answered on Apr 23, 2024

Ashwini Dasgupta is a personality development coach and a neuro-linguistic programming trainer.
She has 15 years of experience training corporate professionals and has worked at Amazon, JP Morgan, Nomura and Satyam among others.
As a career coach, Ashwini specialises in helping growth-minded IT corporate managers develop their self-worth and create the right mindset so that they can achieve their career goals.
Besides corporate training, she offers personal consultations as well.
Ashwini holds a master’s degree in human resources from the Narsee Monjee Institute of Management Studies, Mumbai, and is a certified NLP trainer from the National Federation of NeuroLinguistic Programming, USA.
She has completed her soft skills training and image consultancy course from the Image Consulting Business Institute, Mumbai
Ashwini is also a PoSH trainer, certified by the Society for Human Resource Management.... more

Asked by Anonymous - Apr 19, 2024Hindi

Career

I work hard last one year. I received possitive feed back from my superiors during 2023 year. But when the salary reviews & increment time. I am not recognised from superior. How to handle this situation.

Ans: Dear Sir/Madam,

I understand how frustrating and disappointment it can be. I am hoping the below steps should help you -

Stay clam and focused.
Schedule a meeting with your supervisor and have a detailed discussion and express your desire to understand the perspective and ask for feedbacks where you can work on.
Maintain your professionalism
Negotiate appropriately- if you truly believe that you deserve the increment based on your performance and hard work then present your case appropriately and with supportive evidences.
Consider the next steps basis your discussion and evaluate the options available.

Hope this helps and all the best

To Your Success
Thanks and Regards
Ashwini Dasgupta
Author of Confidence Decoded. Is it a Skill or Attitude?

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Mayank Rautela |238 Answers |Ask -Follow

HR Expert - Answered on Mar 12, 2023

Question by Hanumanthrao - Mar 11, 2023Hindi

Career

Dear Sir, I m running 52, and iam graduated in BA and Completed PGDHRM. now the issue is still iam working in low salary comapany. working as office coordinator, iam multi tasking person. Now i want to get little bit of high salary. my present salary is 18000/- pm. and also iam good in computer works. wat can i do if i want get at least 30000 pm

Ans: Hi, with your experience you can definately get the salary that you are looking for. Expand your network through LinkedIn and other professional networks and apply for relevant roles. All the best !

R P Yadav |304 Answers |Ask -Follow

HR, Workspace Expert - Answered on May 26, 2023

Question by Ashok - May 24, 2023Hindi

Career

Can I get3 increment in salary for Ph.D.as per 6 th pay in my following case.I am Prof ,retired on 31-7-15.Before that I registered for Ph D on 20-1-12 at N M U Jalgaon(M S) Completing sucesfuly researc work and necessary course work and exams, submitted Thesis on 3-7-14 to N M U for evaluation. But N M U took 18 months than expected 4-6 months for evaluation and my Ph.D.declared after conducting viva voce on 18-12-15.My Ph D declared 5 months later of my retirement, I am deprived of 3 increment benefits and subsequently pension benefits.I am not at fault for delay.What to do for justice.?

Ans: Dear Ashok,
Since you are in a Govt. setup and pay commission depends on the govt. policy. I am not the right person to suggest on it.
You can seek advice from a legal expert on this.

Kanchan Rai |179 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked by Anonymous - Feb 20, 2024Hindi

Relationship

Kanchan mam, I feel underappreciated at work. I have been working in this IT research company for 4 years now. No promotion, no increment or bonus. My manager doesn't have the time or feel the need to train me or share feedback. I feel like I am underutilised here and I am always questioning my abilities. How can I get over this phase? What do you suggest I do?

Ans: It's understandable to feel frustrated and undervalued in your current work situation. Schedule a meeting with your manager to discuss your concerns. Express your desire for more challenging work, feedback on your performance, and opportunities for growth within the company. Be specific about what you're looking for and how you believe it will benefit both you and the company.If your manager is unable to provide regular feedback, consider seeking it from other colleagues or mentors within the company. Their perspective can help you gain a better understanding of your strengths and areas for improvement Define your career goals and discuss them with your manager. This can help align your work with your long-term objectives and demonstrate your commitment to professional development.Look for opportunities to take on new responsibilities or projects that interest you. This can demonstrate your value to the company and showcase your skills and capabilities.Consider taking courses or certifications to enhance your skills and stay current in your field. This can make you more valuable to your employer and increase your confidence in your abilities.If you feel that your current job is not meeting your needs, consider exploring other opportunities within or outside the company that align better with your career goals and values.
Remember to approach these steps with a positive attitude and a willingness to take action. By proactively addressing your concerns, you can take control of your career and work towards a more fulfilling professional life.

Krishna Kumar |260 Answers |Ask -Follow

Workplace Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 24, 2024Hindi

Career

I have been working in a company in Finance Department at GM Level for more than 12 years and i have got promotion in 3rd year (DGM to GM) in the company. My boss has been changed thrice. My current boss does not respect my area profile which is compliance, FS preparation, dealing auditors. He only understand business financial reporting. I work with the rule of law/book and sometime I got adamant as this is my nature of job is. My promotion is on hold and he is not ready to give a promotion. Instead, he is suggesting me to move to a different team for promotion if any openings are there. Few are even non-qualified one. How do I mitigate this situation? It is demotivating and frustrating now now working in the organisation since few my colleagues or people under me have moved to the next level and few reached at the level where I am. I need your advice. Thank you. Industry- Telecom Location - Gurgaon

Ans: Hello

Managing boss is a skill that we all need to learn. Suggest you learn this skill.

You said you are adamant, that's a good awareness and also acceptance so start working on that...try and change your adamant nature to lme of more accommodation one.

Lastly, sit with your boss, make him your companion, ask him for feedback and support and most important also share your approach and try and strike a common ground.

Be assured you will see positive change.

All the best.

Latest Questions

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Bharat - Feb 28, 2024Hindi

Money

Hello sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik

Ans: Hello Bharat,

It's commendable that you're seeking to balance your investments and diversify into equity through mutual funds. Here's a tailored recommendation for you and your mother:

Balancing Debt and Equity:

Emergency Fund: Ensure you have an emergency fund equivalent to at least 6-12 months of expenses kept in liquid instruments like savings accounts or short-term debt funds.
Debt Investments: Since you already have a substantial portion of your corpus in debt instruments, continue to maintain this allocation to ensure stability and regular income. Consider diversifying across different types of debt instruments for optimal risk management.
Equity Investments: Given your age and long-term investment horizon, it's prudent to gradually increase your exposure to equity through mutual funds. Start with allocating a portion of your investable surplus to equity funds.
Suitable Mutual Funds:

Diversified Equity Funds: Look for well-managed diversified equity funds with a proven track record of consistent performance. These funds offer exposure to a broad range of stocks across sectors and market capitalizations.
Balanced Advantage Funds: These funds dynamically manage the equity-debt allocation based on market conditions, making them suitable for investors seeking a balanced approach.
Large Cap Funds: Consider large-cap equity funds for stability and lower volatility. These funds invest in large, established companies with a track record of stable earnings.
Hybrid Funds: Opt for hybrid funds, which invest in both equity and debt instruments, offering a balanced approach to risk and return.
For personalized recommendations and to ensure your investment strategy aligns with your financial goals and risk tolerance, I recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can provide customized guidance based on your unique circumstances and help you navigate the complexities of financial planning.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 05, 2024Hindi

Money

Hi Sir/Madam I have invested in various equity funds of different AMCs. Can I get any app or some kind of reliable advisor who can track my investments and suggest switching from non performing funds to performing funds. My goal is just wealth multiplication and I am aware of market fluctuations. During Covid, remained invested in all my equity mutual funds. Kindly guide.... Thanks and Regards

Ans: For personalized advice and guidance on your mutual fund investments, I recommend consulting a Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. MFDs with CFP qualifications can provide comprehensive financial planning services tailored to your specific goals, risk tolerance, and investment preferences.

Here are some benefits of working with an MFD with CFP credentials:

Holistic Financial Planning: A CFP-certified MFD can help you create a comprehensive financial plan that aligns with your long-term goals, including wealth multiplication through mutual fund investments.
Personalized Advice: They can offer personalized investment advice based on your individual financial situation, risk profile, and investment objectives.
Portfolio Review and Optimization: An MFD with CFP credentials can regularly review your mutual fund portfolio, identify underperforming funds, and recommend suitable switches to potentially better-performing funds.
Risk Management: They can assess your risk tolerance and recommend an investment strategy that balances risk and return to help you achieve your financial goals.
Regular Monitoring and Rebalancing: CFP-certified MFDs can provide ongoing monitoring of your investments and rebalance your portfolio as needed to ensure it remains aligned with your objectives.
By working with an MFD who is also a Certified Financial Planner, you can benefit from personalized, professional advice and guidance to make informed decisions about your mutual fund investments and overall financial plan.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Anand - Mar 17, 2024Hindi

Money

Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.

Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Sharleen - Mar 31, 2024Hindi

Money

Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.

Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Ajay - Apr 10, 2024Hindi

Money

SIr, I am Ajay Trivedi, aged 46 years, I am working with an educational Institute. is it a good idea to invest in Adity Birla Sun Life PSU Equity Fund Direct Growth for the period of one year to get a lucarative return.

Ans: Investing in Aditya Birla Sun Life PSU Equity Fund Direct Growth for a one-year period may not be the best approach for your financial goals. Here's why:

PSU Equity Funds primarily invest in stocks of Public Sector Undertakings (PSUs), which can be volatile and may not offer guaranteed returns, especially in the short term.
Equity investments are better suited for long-term wealth creation, typically with an investment horizon of five years or more.
One year is a relatively short time frame for equity investments, and market fluctuations could impact returns significantly.
Regular funds with the support of a Mutual Fund Distributor (MFD) offer personalized guidance and advisory services, which can help tailor your investment strategy to your specific financial needs and goals.
Instead of focusing on short-term gains, consider a more diversified investment approach that aligns with your long-term financial objectives. Regularly review your investment portfolio with the assistance of a knowledgeable MFD to ensure it remains well-balanced and suitable for your risk tolerance and investment horizon.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Jacob - Apr 11, 2024Hindi

Money

Can you suggest some flexicap, hybrid funds for SIP

Ans: Investing in mutual funds through SIPs is a wise decision for long-term wealth creation and financial security. Here's why:

SIPs offer the benefit of rupee cost averaging, enabling you to invest systematically over time regardless of market fluctuations.
They instill discipline in your investment approach, helping you stay committed to your financial goals.
Mutual funds provide diversification across various asset classes, reducing overall risk in your portfolio.
Flexibility in investment options allows you to choose funds based on your risk tolerance and investment horizon.
Professional fund management ensures that your investments are actively monitored and managed by experienced professionals.
However, it's essential to review your portfolio periodically to ensure alignment with your financial objectives and risk tolerance. Adjustments may be necessary based on changes in market conditions, personal circumstances, or investment goals.

As a Certified Financial Planner, I recommend conducting a thorough financial review and consultation to tailor your investment strategy to your specific needs. This personalized approach will help maximize the potential for achieving your long-term financial goals while mitigating risks along the way.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi

Money

I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?

Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Dhruvil - Apr 12, 2024Hindi

Money

Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.

Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and goals.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 10, 2024Hindi

Money

Hello Experts, I am 35 year old planning to have a corpus of ?5cr in next 20 years. I have 20lacs fixed deposit and invest in below mutual funds via SIPs and also planning to increase it by 5k per month Sukanya Samriddhi : 1.5 Lacs VPF : 1.2 Lacs NPS: 1.5 Lacs (Tier 1 - 75% equity) Monthly SIPs: Parag Parekh flexi cap - 5k UTI Index fund- 2k Kotak Emerging equity : 2k Mirae asset emerging bluechip: 1k SBI Blue chip: 1k Nippon India tax saver :0.5k Axis long term equity :1.5k Axis mid cap: 1k HDFC Mid cap opportunities: 1k Axis small cap fund: 5k

Ans: Given your age and goal of accumulating 5 crores in 20 years, your current investment strategy appears well-diversified. Here are some suggestions to optimize your portfolio:

Review Asset Allocation: Ensure your asset allocation aligns with your risk tolerance and long-term goals. Consider increasing exposure to equity for higher growth potential.
Increase Equity Allocation: Given your long investment horizon, consider gradually increasing your equity allocation to capitalize on potential market growth.
Regularly Monitor Performance: Periodically review the performance of your mutual funds and make adjustments if necessary to ensure they continue to meet your investment objectives.
Consider Tax Planning: Explore tax-efficient investment options such as ELSS funds and NPS Tier 1 for additional tax benefits.
Continue Systematic Investing: Maintain discipline in your SIP investments and consider increasing your SIP amounts over time to accelerate wealth accumulation.
Emergency Fund: Ensure you have an adequate emergency fund in place to cover unexpected expenses, typically equivalent to 3-6 months of living expenses.
By implementing these strategies and staying committed to your long-term financial goals, you can work towards achieving your target corpus of 5 crores in 20 years. Always seek professional advice from a Certified Financial Planner to tailor your investment strategy to your specific needs and circumstances.

Ramalingam Kalirajan |1366 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Sunil - Feb 29, 2024Hindi

Money

Hi sir my ongoing sip in Nippon small cap DG from past 5 years my goal is 1 cr. Sip 25 k pm. When will reach to my goal. Assuming 21% xirr

Ans: It's commendable that you've been diligently investing in SIPs for your financial goals. Given your commitment, here are some tips:

Stay Consistent: Maintain discipline in your SIP investments, as regular contributions over time can yield significant results.
Diversify Wisely: Consider diversifying your portfolio across different asset classes and investment vehicles to spread risk.
Regular Review: Periodically review your investments to ensure they align with your goals and adjust if necessary.
Stay Informed: Stay updated on market trends and economic developments to make informed investment decisions.
Long-Term Outlook: Maintain a long-term perspective with your investments, as short-term fluctuations are part of the journey.
Seek Professional Advice: Consider consulting with a Certified Financial Planner to fine-tune your investment strategy and address any concerns.
Stay Patient: Remember that wealth accumulation takes time, so stay patient and trust in your investment plan.
By following these guidelines and staying committed to your financial objectives, you're on the right path towards achieving your goals. Keep up the good work!

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.

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