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Feeling disconnected from myself? Coping with frequent mood swings.

Aruna

Aruna Agarwal  | Answer  |Ask -

Child and Parenting Counsellor - Answered on Jul 13, 2024

Aruna Agarwal is a qualified child psychologist and behaviour therapist with over 20 years of experience.
She has a master’s degree in psychology with a specialisation in behaviour analysis. She focuses on children between the ages of 2-10 years who face challenges related to behaviour, language development or attention issues and providing them with the right life skills.
Agarwal is the owner of Kidzee, a pre-primary school, and Mount Litera Zee School that caters to primary students.... more
Asked by Anonymous - Jul 13, 2024Hindi
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I don't fee normal, I don't live my life to the fullest; actually I feel like I am just living half of my life i.e. I am not the same person on all days I mood swings repeatedly. One day i am someone & another day a completely other person& it happens regularly I can't stop it.

Ans: Start living in the present moment, use mindfulness meditation and yoga to do that. If you are getting carried away with your thoughts, this is what you can feel.
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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Asked by Anonymous - May 23, 2024Hindi
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I am a 38 year old male working in an IT firm and having a good earnings. I am married and with a girl daughter 8 years old. I have cleared all my debts and also am saving for my daughter's future studies and life. I have this wired feeling of what if my earning stops, what if I lose my job, what if I die early 40s. Etc.. I get such random thoughts and get into a low phase.. Besides I am doing good at work and also trying keep my health in a decent shape . But these random thoughts is not so good and I get depressed cos of it for some time.. is this normal for male getting into 40s ? I don't have much friends whom I can share and don't want to share this with my wife as I feel she might get sad too..
Ans: It's quite common for individuals approaching their 40s to experience concerns about their future, financial stability, and health. This period, sometimes referred to as a midlife transition, often brings about a re-evaluation of life goals, achievements, and concerns about mortality.

Firstly, it's important to recognize that these feelings are normal and shared by many people. You're at a life stage where responsibilities often increase, and the realization that life is finite becomes more prominent. Acknowledging that these thoughts are common can be a reassuring first step.

Financial security can play a significant role in mitigating these anxieties. Ensuring that you have a solid emergency fund, sufficient insurance coverage, and a well-thought-out financial plan for the future can provide a sense of security. Given that you've already cleared your debts and are saving for your daughter's future, you're on the right track. Consider consulting a financial advisor to further solidify your financial plans.

In terms of job security, staying updated with industry trends, continuously learning new skills, and networking within your field can help you feel more secure about your career prospects. This proactive approach can also provide you with a sense of control over your professional life.

Maintaining your health is another crucial factor. Regular exercise, a balanced diet, and routine medical check-ups can help you stay healthy and reduce health-related anxieties. Mental health is equally important; practices such as mindfulness, meditation, or even talking to a therapist can help manage stress and anxiety.

It's also important to have a support system. While you might not want to share your concerns with your wife to avoid making her anxious, finding a confidant or a therapist to talk to can be very beneficial. They can provide a different perspective and offer support.

Lastly, try to focus on the positive aspects of your life. Reflect on your achievements, the stability you've created for your family, and the goals you've set for the future. Engaging in hobbies and activities that you enjoy can also provide a healthy distraction from these worries.

In summary, your feelings are normal and can be managed through financial planning, career development, maintaining physical and mental health, and seeking support when needed. Remember, taking proactive steps towards these aspects of your life can greatly reduce anxiety and help you feel more in control.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7628 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 24, 2025

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Hello, I want a monthly withdrawal of 2lakh through SWP. Give me the amounts and expect ROI for various instruments that I should use. Also what factor to consider as I would be able to invest those amount lets say after a year.
Ans: To achieve a sustainable monthly withdrawal of Rs. 2 lakh (Rs. 24 lakh annually), we need to identify the right mix of investments and expected returns. Let us create a detailed framework.

1. Factors to Consider Before Investing
Time Horizon: You plan to start investing after a year. This delay impacts your compounding benefit, but planning ahead mitigates it.

Expected Rate of Return (ROI): Different instruments offer varied returns. Diversification ensures both growth and stability.

Withdrawal Feasibility: Sustainable withdrawals depend on balancing withdrawals with corpus growth.

Inflation Impact: Investments must generate returns above inflation to preserve corpus value.

Risk Appetite: Choose instruments aligning with your comfort towards volatility.

Tax Efficiency: Optimise your withdrawals and investments for better post-tax returns.

2. Expected ROI for Investment Options
Here is the expected ROI and rationale for different asset classes:

Actively Managed Equity Mutual Funds

Allocation: 50% of the corpus
Expected ROI: 12% annually
Rationale: These funds provide high returns and help beat inflation over the long term.
Debt Mutual Funds

Allocation: 30% of the corpus
Expected ROI: 7% annually
Rationale: These offer stability with moderate returns and are suitable for regular withdrawals.
Fixed-Income Instruments (e.g., FDs, SGBs)

Allocation: 15% of the corpus
Expected ROI: 6-7.5% annually
Rationale: Secure returns with no market risk. Ideal for stability.
Liquid Mutual Funds

Allocation: 5% of the corpus
Expected ROI: 4-5% annually
Rationale: Quick access for emergencies or interim cash flow needs.
3. Corpus Required for Rs. 2 Lakh Monthly Withdrawal
Corpus Based on ROI
At 8% ROI: A corpus of Rs. 3 crore is required.
At 9% ROI: A corpus of Rs. 2.66 crore is required.
At 10% ROI: A corpus of Rs. 2.4 crore is required.
The corpus requirement reduces with higher returns but increases risk exposure.

Building the Corpus Over One Year
If the funds are idle for a year, invest them in liquid mutual funds temporarily. These yield 4-5% with low risk.
Use Systematic Transfer Plans (STPs) to gradually move funds into equity and debt over 12-18 months.
4. Investment Plan for SWP
Equity Mutual Funds (50% Allocation)
Allocate Rs. 1.5 crore to equity funds.
Delay SWP for at least three years to allow growth.
Equity funds ensure high long-term returns, reducing inflation's impact.
Debt Mutual Funds (30% Allocation)
Allocate Rs. 90 lakh to debt funds.
Start SWP immediately from this portion.
These funds provide stable returns and low volatility.
Fixed-Income Instruments (15% Allocation)
Allocate Rs. 45 lakh to secure instruments like FDs or Sovereign Gold Bonds.
Use these funds for stability and emergencies.
Liquid Mutual Funds (5% Allocation)
Allocate Rs. 15 lakh to liquid funds.
Use these funds for interim liquidity needs and to manage cash flow gaps.
5. Steps for Efficient Withdrawal
Start withdrawals from debt and liquid funds first. Let equity funds grow for 3-5 years.
Monitor returns annually to adjust the withdrawal rate or asset allocation.
Keep a buffer of 1-2 years' expenses in liquid funds for emergencies.
Review the tax efficiency of your withdrawals and rebalance your portfolio every year.
Final Insights
A well-diversified portfolio ensures stable withdrawals of Rs. 2 lakh monthly. Focus on equity for growth, debt for stability, and liquid funds for emergencies. Starting the plan early and monitoring it regularly will ensure financial independence.

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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