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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1146 Answers  |Ask -

General Physician - Answered on Feb 28, 2023

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
Debajit Question by Debajit on Feb 27, 2023Hindi
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Hi I am 30 years old married for the past one year... recently i discovered my husband's younger brother aged 18 years peeping through a tiny hole through the bathroom door while I was bathing..i am scared and confused what to do.

Ans: First and foremost 18yrs should be treated as an young adult and should be approached like an adult.
You being the Babhi could speak to him as, his, mother and address it directly and say that ihis act of peeping has been noticed. And then if your husband is an understanding person should be told to have a healthy conversation with his brother on sex education and help him if he needs to be counselled to get out of any addictive habits
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Kanchan

Kanchan Rai  |444 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 02, 2023

Asked by Anonymous - Aug 01, 2023Hindi
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Relationship
I am asking regarding my younger brother who is 30 YO.I see him frequently complain about our one particular female neighbour and her family who are basically tenants in one of the rented apartment in front of our house.Due to close proximity to our house,its not difficult to overhear if they talk with others standing on their balcony or turn TV or music deck sound high in their home.Few years back, somehow my brother who lives upstairs witnessed that neighbour lady mimicking my mother by copying her dialogue of how my mom stopped my brother to go out to work during COVID 19 pandemic.He says he saw her mimicking my mom in front of another neighbour lady who lives adjacent to our home with whom we used to share very good terms when their kids were school going but many years back that neighbour lady stopped interactions with my mom.It was weird because that neighbour aunty's kids used to come to our home for studying from my mom and dad who were doing free tutitions just to help neighbours kids. The issue is my brother is so much affected by that front house neighbour lady that he keeps a tab on them most of the time and keeps telling my mother how that lady mimicked her which mom asks him to stop repeating.I feel he also overheard her comments regarding him which were something like "he lives alone upstairs" etc.My brother is always telling about that neighbour lady and how she is not good and how she keeps passing comments etc.We also suspect them to be throwing stuff in our balcony frequently which contains toffees wrappers,mobile wire etc junk. My main concern is my brother who is always showing anger and displeasure to have that neighbour lady.I saw him many times looking at her home from our balcony and then he shares with mother which she dont like to hear all the time.I feel my brother is not at peace ve ause of his dislike towards our front house neighbour lady. Can you suggest regarding this situation with my brother and how we can address it?
Ans: It's understandable that your brother's feelings and concerns about the neighbor have been affecting him negatively. It's important to address the situation in a way that promotes a healthier and more peaceful environment for him. Here are some suggestions on how to handle this situation:

Encourage Open Communication: Talk to your brother openly about his feelings and frustrations regarding the neighbor. Encourage him to express his emotions and concerns without judgment. Sometimes, just having someone listen to his feelings can be very helpful.
Suggest Avoiding Confrontation: Advise your brother not to confront the neighbor directly about his feelings or suspicions. Engaging in conflicts might escalate the situation and lead to further stress and tension.
Distract from Negative Thoughts: Help your brother find activities or hobbies that can distract him from dwelling on negative thoughts about the neighbor. Engaging in positive and enjoyable activities can help shift his focus away from the situation.
Encourage Positive Interactions: Encourage your brother to interact with other neighbors or friends who have a more positive impact on his life. This way, he can build positive relationships and not be solely fixated on the negative one.
Suggest Seeking Professional Help: If your brother's feelings and thoughts about the neighbor are significantly affecting his mental well-being and day-to-day life, it might be beneficial for him to talk to a mental health professional. They can provide guidance and support to help him cope with these feelings in a healthier way.
Set Boundaries with Your Brother: It's essential for your family to establish boundaries with your brother regarding how much he talks about the neighbor. If your mother is uncomfortable hearing about it constantly, kindly ask him to share his feelings with a close friend or a professional if needed.
Encourage Empathy: Try to foster empathy in your brother by encouraging him to see things from the neighbor's perspective. Perhaps the neighbor may have her own struggles or issues that could explain her behavior. While this doesn't excuse any negative actions, understanding can help reduce his anger and frustration.
Promote Self-Care: Encourage your brother to engage in self-care practices, such as exercise, mindfulness, or relaxation techniques. Taking care of his mental and emotional well-being is essential during challenging times.
Mediation: If tensions between your family and the neighbors continue to rise, consider involving a mediator or authority figure, like a community leader, to help address any conflicts and find a resolution.
Remember, it's essential to address your brother's concerns and emotions while promoting a peaceful and respectful resolution to the situation. Being proactive in finding positive ways to cope with his feelings can lead to a more harmonious living environment for everyone involved.

..Read more

Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 06, 2024

Asked by Anonymous - Mar 04, 2024Hindi
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I feel very disgusted to tell you that... I (17y female) was sitting with my mom and my cousin (28y male) was also there. My cousin was sitting besides me and after a while my mom left the house for about 10 minutes for some work. I felt sleepy so I slept on the bed itself. My cousin was still sitting besides me when I slept. After a while I woke up to a very bad feeling. My cousin was groping my butt from behind . I froze as I woke up.my whole body didn't respond at all. I was in shock . He kept touching me for a while. I don't know how I slept in that freezing position. But when I woke up my body was still in shock and he was still besides me. At first I thought it must be dream . But it was surely not a dream. I have noticed he always stares at my body and keeps finding ways to touch me. This all happened and I didn't tell anyone. It has been 3 months and I still can't get over it. I cannot even tell my parents as they will not believe me and it will cause lots of ups and downs if my parents overreact. I really don't know what to do. I feel disgusting.
Ans: Dear Anonymous,
Do tell your parents till they HEAR you! Initially, they may dismiss it as a misunderstanding on your part, but persist and keep telling them. Everyday...they may blame you, be upset with you, not talk to you or threaten you with something...BUT keep at it girl...
Someday, they will realize that they must trust their daughter and not the person who decided to abuse their daughter and then get away with it. If this guy gets away, he will try this again with you or some other innocent girl...so, speak up bravely and be firm with it.
If you have an older sibling or someone in the family who is closer to you in age, confide in them, so that they can also back you up.
And the next time, this person (cousin) visits, make eye contact with him when he stares...and ask him: Is there a problem?
If he has any ounce of shame and scare, he will leave or shift gazes. Most often abusers keep trying only because they feel no one can stand up to them. Once you stand up to him, he will cow down! Get back you power by actually feeling that you own your body and that you draw boundaries around it. Be brave!

All the best!

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Anu

Anu Krishna  |1406 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 06, 2024

Asked by Anonymous - Jul 26, 2024Hindi
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Relationship
Hi, my husband has been talking to my maid from last 3 years. Also, helped her for raising funds for her daughter's marriage without my knowledge. However, I caught him through his phone. That maid called him every now and then. They spoke for hours without my knowledge. Last time also the same thing happened but he promised me it will not happen again, hence I let it pass. Last time though his phone statement I caught him after which they started talking through what's app call. My husband is apologizing me and saying he didn't had a physical relationship with her and this will not happen again. I completely lost my trust on him. I didn't had intimacy from last 2 years and now after knowing this whenever he comes close I feel disgusted with his touch. I am the major contributor to the family financially. After doing so much for him and supporting him though his rough patch, this is what I got from him. I feel shattered now, what should I do? please help ????
Ans: Dear Anonymous,
Clearly this is not the first time that your husband has been involved in 'something on the side'.
When he shows no remorse and no willingness to change his ways, obviously he's seeking a lot of validation from external sources. In this case, it happens to be the maid. (I hope you have sacked the maid already!).

Obviously with repeated instances of him going back on his word, the trust factor is in question. Does he even care? Your marriage is in a place where you must now either work on putting it back OR give him an ultimatum. What will work in your case, is something that only you will know...
Time to bring your husband to his senses; which means perhaps involving a professional to guide you. You may have to go at this by yourself, seek help in managing your husband and his waywardness. Then your husband will be roped in to deal with his deep down need for validation and succumbing to it over and over again. Then you can begin to function as a single unit towards making the marriage work. This looks like a lot to go through BUT the decision is yours.

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

..Read more

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Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Hi Mr. Ramalingam, Can I check New Asset class (Specialized Investment Fund SIF) for 10 lakhs investment for my kids education(Right now 4months old). Thank you for your response.
Ans: Investing Rs 10 lakhs for your child’s education is a thoughtful decision.

Your child is 4 months old, so you have a long investment horizon.

Currently, SIF is not yet launched or operational.

Equity Mutual Funds: A Reliable Option
Equity mutual funds are proven for long-term goals like education.

They offer inflation-beating growth over a 15-18 year period.

Start investing now to benefit from compounding.

Choose funds with a consistent track record.

Wait and Observe SIF Performance
SIF is a new asset class and lacks a performance track record.

It’s wise to wait for its launch and review its stability.

Assess the fund's returns, risk profile, and management quality.

Investing in an untested asset could increase risks unnecessarily.

Diversify Investments Over Time
Initially, focus on equity mutual funds for growth.

Later, as SIF stabilises and performs well, consider it.

Diversify across asset classes gradually based on market insights.

Final Insights
Begin with equity mutual funds for your child’s education fund.

Monitor SIF's launch and performance over the next few years.

Decide on SIF only after it demonstrates a solid track record.

Keep your investments aligned with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Milind

Milind Vadjikar  |790 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

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I& my wife is 32. What would our ideally retirement corps. I assume 20Cr. Correct me if I'm wrong. My current saving & income are below - 1) Rs 2,40,000 take home per month combined. 2) We both have PPF for the last 7 years contributing 1.5L each year from starting and plans to continue till 60. 3) LIC will give us 2Cr when we hit 60. 4) NPS we contribute 1L per each year form 2022 combined plans continue till 60. 5) Mutual Fund of SIP Rs 10,000 each month for last 1 year combined plans continue till 60. 6) APY we will get 5000 per month at 60. 7) FDs of Rs 36Lakh 8) Gold of Rs 15Lakh bonds 9) Got Inherited Rs 1.6Cr in form of FDs 10) Have Medeclaim of 40Lakhs and have own house. 11) Monthly expenses is around 40,000. 12) Have 1 year old Kid. 13) Have PF of 8 lakhs and will grow till 60. Also taking Gratuity in account.
Ans: Hello;

Your current monthly income need of 2.4 L will grow up to 12.27 L after 28 years (At your retirement age of 60) considering 6% inflation.

Assuming your expenses at retirement will reduce so you may need 75% of this income to cover your expenses at that time therefore you may need a monthly income of 9.2 L.

To generate this income you may need a corpus of 27 Cr(Min.) at the age 60 that may generate post-tax monthly income of around 9.2 L.

Your investments will grow as follows,

1. PPF: 1.5 L per person per year for 35 years will grow into a corpus of around 4.32 Cr. (6.9% return assumed)

2. LIC: policy maturity proceeds will provide 2 Cr at age 60.

3. NPS: 1 L per person per year may grow into a sum of 2.5 Cr at 60.(8% return considered)

4. MF sip of 10 K may grow into a sum of 2.05 Cr at 60. (10% return considered)

5. FD of 36 L will grow into a sum of 2.1 Cr if held till 60. (6.5% return assumed)

6. Gold in form of bonds if reinvested into gold mutual funds and held till 60 may yield a corpus of around 1.1 Cr. (7% return assumed)

7. Inherited funds if held in FD till the age of 60 may yield a corpus of 9.9 Cr.
(6.5% return considered)

8. EPF is expected to grow into a sum of around 1.8 Cr at the age of 60.(7% return considered)

A summation of investment values at 60 indicates a sum of around 25.77 Cr thereby hinting at a gap of around 1.23 Cr.

You may begin another monthly sip of 7 K now which may grow into a sum of around 1.3 Cr by 60 age.(10% return assumed)

If the mediclaim policy is from employer, do buy a personal health care cover after 50-55 for your family for post retirement needs.

I presume you both have adequate term life insurance cover apart from LIC policy.

The financial goal for your kid's education and family expansion, if any, is not factored here. You may need to plan for it suitably.

Also it appears that your allocation to equity is quite low, may be due to limited risk appetite but you have time on your side and although short to medium term(5-7 yr) equity asset class may be impacted due to volatility but over a long-term(10 yr+) they have demonstrated good inflation adjusted returns so may be you may consider to increase allocation through hybrid funds suiting your risk appetite.

Happy Investing;
X: @mars_invest

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Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Meri family ki income 80 lakhs hai yearly aur 40 lakhs expense hai aur age meri 48 hai capital family ki 4 cr hai to unko kaise manage aur kaha invest kare
Ans: Current Financial Snapshot
Annual Income: Rs 80 lakhs
Annual Expenses: Rs 40 lakhs
Capital Available: Rs 4 crores
Age: 48 years
Your income and existing capital provide a strong foundation. With proper planning, you can secure your financial future and achieve your goals.

Key Financial Goals
Retirement Planning: Build a corpus to sustain your post-retirement lifestyle.
Wealth Growth: Invest capital for inflation-beating returns.
Risk Management: Ensure adequate insurance coverage for family security.
Tax Efficiency: Optimise investments to reduce tax liabilities.
Suggested Investment Allocation
1. Emergency Fund
Maintain 6-12 months of expenses (Rs 20-40 lakhs) in liquid funds or a high-interest savings account.
This ensures liquidity for any unforeseen circumstances.
2. Equity Mutual Funds
Allocate 50-60% of your capital (around Rs 2-2.4 crores) to equity mutual funds.
Use diversified funds like large-cap, flexi-cap, and mid-cap funds for growth.
Avoid index funds due to lack of flexibility and active management.
Invest monthly through systematic investment plans (SIPs) for disciplined investing.
3. Debt Investments
Invest 20-25% of your capital (Rs 80 lakhs-1 crore) in debt mutual funds or fixed-income instruments.
Choose funds with low risk to ensure stability and predictable returns.
These funds act as a safety net during market downturns.
4. Children’s Education or Marriage
Allocate funds for long-term goals like education or marriage.
Invest in balanced advantage funds or equity mutual funds for higher returns.
5. Retirement Planning
At 48, focus on building a retirement corpus.
Allocate 20% of your capital (Rs 80 lakhs) to retirement-specific investments.
Use a mix of equity and debt for growth and safety.
Risk Management
Life Insurance
Ensure you have a term insurance cover of at least Rs 2-3 crore.
This protects your family’s financial future in your absence.
Health Insurance
Take a family floater health insurance plan of Rs 25-30 lakh.
Include critical illness coverage to address rising healthcare costs.
Tax Efficiency
Maximise Section 80C benefits by investing in ELSS mutual funds or PPF.
Use NPS for additional tax deductions under Section 80CCD.
Invest in tax-efficient instruments to reduce liabilities.
Regular Monitoring
Review your investments every six months with a Certified Financial Planner.
Rebalance your portfolio to align with market trends and life changes.
Final Insights
You have a strong financial base with high income and significant capital.

With disciplined investing, risk management, and tax efficiency, you can grow your wealth and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 22, 2024Hindi
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Namaskar Sir, I am 30 years old and want to start SIP @10,000/-pm in Mid cap mutual fund for next 30 years for a target of Rs 20 Cr (18-20%/year). You are requested to guide me about risks may come in future in MF industry and risk regarding sustainability of the fund house for next 30 years.
Ans: Investing Rs. 10,000 monthly in a mid-cap mutual fund is a commendable strategy. It shows your commitment to achieving a robust corpus of Rs. 20 crore in 30 years. However, there are risks and considerations to address.

1. Potential Risks in the Mutual Fund Industry
Market Volatility
Mid-cap funds are more volatile than large-cap funds.

Short-term fluctuations can impact returns during market corrections.

Economic Slowdowns
Economic instability can adversely affect mid-cap stocks.

Such slowdowns could lower the growth trajectory of the fund.

Regulatory Changes
SEBI and government regulations may impact mutual fund operations.

For example, changes in taxation or investment limits can affect returns.

Inflation Risk
Inflation can erode purchasing power and real returns over 30 years.

This risk must be factored into your long-term goal.

2. Risks of Fund House Sustainability
Fund House Stability
A fund house with a poor track record may not survive for 30 years.

Choose an established and reputed fund house with strong governance.

Fund Manager Risk
Performance depends on fund manager decisions.

Manager changes may impact the strategy and consistency of the fund.

Operational Risks
Fund houses may face risks like technology failures or poor compliance.

Verify the operational strength and risk management policies of the fund house.

3. Realistic Return Expectations
Expecting 18-20% annualised returns over 30 years is optimistic.

Historical data shows mid-cap funds average around 12-15% returns.

Relying on higher returns can lead to unrealistic expectations.

4. Diversification for Stability
Do not rely solely on mid-cap funds for your goal.

Diversify with large-cap or flexi-cap funds to reduce volatility.

Balanced funds can provide a mix of growth and stability.

5. Importance of Periodic Review
Monitor your SIP performance regularly, at least once a year.

Assess fund performance against benchmarks and peers.

Make necessary adjustments to align with your goals.

6. Role of Active Fund Management
Actively managed funds can outperform benchmarks during volatile markets.

Fund managers actively track market changes and rebalance portfolios.

This approach offers an edge over passively managed index funds.

7. Tax Implications on Returns
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Understanding tax implications helps plan withdrawals effectively.

8. 360-Degree Financial Planning
Emergency Fund
Maintain an emergency fund covering 6-12 months of expenses.

This ensures financial stability during unforeseen situations.

Adequate Insurance
Secure yourself with adequate life and health insurance.

Avoid using ULIPs or investment-linked insurance for this purpose.

Retirement Planning
Parallelly invest in retirement-specific instruments for long-term security.

Diversify your portfolio to include stable growth options.

Education and Marriage
Plan separate investments for future education and marriage expenses.

Diversify investments to balance risk across different life goals.

Finally
Mid-cap funds are a promising option for wealth creation, but they come with risks. Diversify, review periodically, and adjust your strategy as needed. Consult a Certified Financial Planner to build a robust, long-term investment plan tailored to your goals.

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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