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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1145 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  |538 Answers  |Ask -

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

Asked by Anonymous - Aug 01, 2023Hindi
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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.

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Anu

Anu Krishna  |1513 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  |1513 Answers  |Ask -

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

Asked by Anonymous - Jul 26, 2024Hindi
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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/

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |7981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

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Dear sir ,I am paying home loan EMI of 18000 per month ,and 5600 for LIC and 2700 for term life insurance. 5300 is deducting every month from my salary for NPS .I have health insurance also .After all my deductions and expenses, I am saving 20000 rupees. I have a daughter of 6 months old. I want to invest that amount for my daughter's education and marriage expenses. Please suggest me where to invest 20000 amount per month 1) Should I invest in sukanya Yojana scheme or mutual funds 2) please suggest where to invest my savings.
Ans: Since you have a stable monthly saving of Rs 20,000 after all expenses, your focus should be on long-term wealth creation.

Your daughter’s education and marriage expenses are long-term goals, so you need growth-oriented investments.

Review of Your Current Financial Position
Home Loan EMI: Rs 18,000 per month.
LIC Premium: Rs 5,600 per month.
Term Life Insurance: Rs 2,700 per month.
NPS Deduction: Rs 5,300 per month.
Health Insurance: Already covered.
Savings Available for Investment: Rs 20,000 per month.
Daughter’s Age: 6 months.
Since your daughter’s higher education is at least 15-18 years away, you can take advantage of long-term compounding.

Comparison: Sukanya Samriddhi Yojana vs. Mutual Funds
1. Sukanya Samriddhi Yojana (SSY)
Provides tax-free returns but with a fixed interest rate.
Lock-in until your daughter turns 21 years old.
Interest rates fluctuate yearly and may not beat inflation.
Best for stable returns but not high growth.
2. Equity Mutual Funds
Offers higher returns over long periods.
You can start SIP of Rs 20,000 per month in a diversified mix.
Highly liquid compared to SSY.
Flexibility to withdraw partially if needed.
Best Strategy for Investing Rs 20,000 Per Month
A balanced approach between mutual funds and Sukanya Samriddhi Yojana is ideal.

1. Equity Mutual Funds (70%) – Rs 14,000 per month
Invest for long-term wealth creation.
Actively managed funds perform better than index funds in India.
Split into large-cap, flexi-cap, and mid-cap funds.
Investing through MFD with CFP credentials ensures proper selection.
2. Sukanya Samriddhi Yojana (20%) – Rs 4,000 per month
This ensures safe and tax-free returns.
Ideal for conservative investment portion.
SSY deposits can be made until your daughter turns 15.
3. Gold & International Funds (10%) – Rs 2,000 per month
Gold protects against inflation and currency fluctuations.
International funds add global diversification to your portfolio.
Helps balance risks in an unpredictable market.
Final Insights
Avoid investing all your money in SSY since returns are low.
Mutual funds provide higher growth for long-term needs.
Diversify into gold and international funds for additional security.
Review and rebalance your portfolio every 6 months.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

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Hi. Recently I sold my house in my hometown for 60L and invested the proceeds (36L) over HL (24L) in a residential plot. Since the EMI I used to pay is freed up. I would like to invest it with an exposure to real estate. EMI was 25K, since I won't be getting income tax rebate, available fund per month would be 20K. Please help me choose an investment strategy. Thanks
Ans: Since real estate is already a part of your portfolio, you should focus on a diversified investment plan.

Review of Your Current Position
You sold your house for Rs 60 lakh.

After clearing Rs 24 lakh home loan, you reinvested Rs 36 lakh in a residential plot.

Your home loan EMI of Rs 25,000 is now free, but the post-tax benefit amount is Rs 20,000 per month.

You want investment exposure to real estate, but diversification is key.

Challenges with Further Real Estate Investment
Real estate is illiquid. Selling property takes time.

Rental yields in India are low, around 2-3% annually.

It requires high capital investment and additional maintenance costs.

Regulatory and legal issues may impact investment returns.

Alternative Investment Plan
A better approach is to invest in financial assets with a well-structured allocation.

1. Equity Mutual Funds (60%)
Rs 12,000 per month in equity funds for long-term growth.

Flexi-cap, mid-cap, and large-cap funds can provide strong returns.

Actively managed funds outperform index funds in volatile markets.

Investing via an MFD with CFP credentials ensures professional fund selection.

2. Debt Mutual Funds (20%)
Rs 4,000 per month in debt funds for stability.

Debt funds provide better liquidity than real estate.

Returns are higher than fixed deposits over the long term.

Taxation is as per your income slab, so it should be monitored.

3. Gold and International Funds (10%)
Rs 2,000 per month in gold or international funds.

Gold protects against inflation and economic uncertainty.

International funds give exposure to global markets for additional growth.

4. Emergency Fund & Liquidity (10%)
Rs 2,000 per month into liquid funds or short-term debt funds.

This will act as a safety net for unforeseen expenses.

Having a buffer prevents the need to sell long-term investments during emergencies.

Final Insights
Avoid further real estate investments due to liquidity issues.

A structured SIP approach in mutual funds will generate better returns.

Ensure diversification across equity, debt, and gold.

Review your portfolio every 6 months and rebalance if needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

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I take retirement just a month ago, m 41 year old . I have 66 lks in fd, 21 lks in post office scheme, 14 lks in ncd, 10 lks in ppf, last 11 years doing sip 5.5k/month till now , value now 22lks, will continue this same amount of sip another 19years. Staying in my own home, 0 debt . 1 child age 9 (for child savings 4lks in ssy, will continue to invest 5k/yr in ssy till her age reached 17). Having mediclaim of 5lks.Suggest me for my rest of life wealth management and retirement life
Ans: You have managed your finances well. Your financial discipline is impressive. Now, let's structure a plan for your long-term security.

Current Financial Overview
You have retired at 41 and own a house.
Your assets include FDs, post office schemes, NCDs, PPF, and mutual funds.
Your SIPs have grown well, and you will continue them.
Your child’s education and marriage are key future goals.
You have Rs 5 lakh mediclaim.
Investment Strategy for Retirement
Optimising Fixed Deposits and Post Office Schemes
FDs and post office schemes give stable returns but may not beat inflation.
Consider moving part of these funds into better long-term investment options.
Keep emergency funds in safe and liquid instruments.
Enhancing Mutual Fund Investments
Your SIP of Rs 5.5k/month has grown well over 11 years.
Continuing for 19 more years will create a solid retirement corpus.
Increasing SIPs over time will help manage inflation.
Long-Term Growth with Balanced Allocation
Equity exposure must be higher for wealth growth.
Debt investments ensure safety and stability.
A mix of both will provide the right balance.
Child’s Future Planning
Education and Marriage Fund
Your SSY investment is a good step.
Consider supplementing it with a separate mutual fund investment.
Ensure funds are available when needed.
Medical and Emergency Planning
Your Rs 5 lakh mediclaim may be insufficient for future needs.
Consider increasing your health insurance coverage.
Keep an emergency fund to cover sudden expenses.
Final Insights
Shift part of FDs and post office funds to better options.
Increase SIP contributions when possible.
Ensure tax-efficient withdrawals post-retirement.
Monitor investments regularly and rebalance if needed.
Maintain adequate health and emergency funds.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

Asked by Anonymous - Feb 16, 2025Hindi
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I am investing 6lakhs annually in SBI smart privilege since 2023, the value of which is 15lakhs now. I had invested in tata retirement mutual fund which is now at 7.5lakh-it was a 15k monthly investment.i want a corpus of 10crore in the next 15 years. What should be my strategy
Ans: Your goal of Rs 10 crore in 15 years is ambitious but achievable with the right strategy. Below is a structured approach to help you optimize your investments.

Review of Current Investments
You are investing Rs 6 lakh annually in an insurance-based investment plan.

You have also invested in a retirement-focused mutual fund, now valued at Rs 7.5 lakh.

These investments may not be the most efficient for high long-term growth.

Issues with SBI Smart Privilege Plan
Insurance-based investments often have high charges and lower returns.

Lock-in periods and surrender charges make them less flexible.

Switching to a mutual fund-based approach may be more effective.

Action Plan for SBI Smart Privilege Plan
Check the surrender value and exit charges.

If charges are reasonable, consider shifting to equity mutual funds.

A well-diversified portfolio can deliver higher long-term growth.

Optimizing Your Mutual Fund Portfolio
The retirement fund may have a conservative asset allocation.

You need funds with higher equity exposure for long-term wealth creation.

Diversify across flexi-cap, large-cap, mid-cap, and sectoral funds.

Required Monthly Investment for Rs 10 Crore
To reach Rs 10 crore in 15 years, a structured SIP approach is required.

Increasing SIP contributions over time is essential.

Lump sum investments during market corrections can boost returns.

Strategic Asset Allocation
70-80% in equity mutual funds for long-term growth.

10-15% in debt funds for stability and risk management.

5-10% in gold or international funds for diversification.

Tax-Efficient Investment Approach
Equity funds are more tax-efficient than insurance-based plans.

Long-term capital gains above Rs 1.25 lakh are taxed at 12.5%.

Debt fund gains are taxed as per your income slab.

Final Insights
Review and possibly exit the SBI Smart Privilege Plan.

Shift focus to equity mutual funds for better growth.

Maintain a disciplined SIP approach and increase investments over time.

Diversify investments for better risk management.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Ramalingam

Ramalingam Kalirajan  |7981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 17, 2025

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I need a good financial planning for my retirement at 58-60, salary is 1.9 lakhs ,inthis 21k carloan for another 2.5 yrs, 35k in SIP,50k monthly expenses, rent 19k , have own house in native. Have FD 65 lakhs sbi, fd in sriram 13 lakhs, in motilal oswal IAP of 10 lakhs, invested in hdfc sanchay lus for 1 lakh another 5 years to get guaranteed 1 lakh after 6 yrs , and another guaranteed plan of 60 k from next year ( both I will get for another 25 years) , sbi MF 10 lakhs ,ulip matured running for another 10 years 8 lakhs, Daughter's marriage plan after 5 yrs and son in btech from this year. Pls adv.
Ans: You have built a solid financial foundation. Now, let’s structure your retirement plan effectively.

Current Financial Overview
Your income is Rs 1.9 lakhs per month.
Major expenses: Rs 50k household, Rs 19k rent, Rs 21k car loan (for 2.5 years).
You invest Rs 35k monthly in SIPs.
Significant assets include FDs, mutual funds, insurance, and guaranteed plans.
Retirement Planning Strategy
Optimising Investments
Your SIPs are well-structured. Consider increasing them once the car loan is over.
FDs provide safety but lower returns. You may shift part of them to better options.
Guaranteed plans provide fixed income but might not beat inflation.
Your mutual fund holdings should be diversified across equity and debt.
Managing Existing Loans
The car loan will be cleared in 2.5 years, increasing monthly savings.
Avoid taking new loans close to retirement.
Wealth Growth for Retirement
Your guaranteed plans will provide Rs 1.6 lakh per year post-retirement.
SIPs and mutual fund investments should focus on long-term wealth creation.
Debt allocation should increase as you approach retirement.
Child’s Education and Marriage Planning
Your son’s B.Tech expenses should be planned using FDs and low-risk funds.
Your daughter’s marriage in 5 years requires liquidity planning. Part of your FDs can be allocated here.
Final Insights
Increase SIPs once your loan is cleared.
Balance safety and returns by adjusting your asset allocation.
Ensure your guaranteed plans do not restrict liquidity.
Keep emergency funds accessible for unforeseen needs.
Plan tax-efficient withdrawals post-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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