What to do to keep penial erection for sufficient time , my age is 55 plus, no medicine at oresent

Ans: Yes you can. Try to get relevant job. Can simultaneously do online courses to help you understand the field better and get relevant information.

Ans: Your acads are not bad. It does not matter what college you are doing your Emgg from. My suggestion would be to prepare for CAT as well as other management entrance exams like XAT, SNAP, NMAT, etc and ensure that your academics in graduation is 80+%age.

Ans: Dear Anonymous,
Well, whatever the reason, it is not fair to make your partner wait any longer. 9 years is a long time and from their side, they have tried to approach your family.
Why your family does not want this to happen can have many reasons, but what is it that you want? What makes you stuck? 32 is a great age to start taking decisions of life, you don't think? Move on this else, you will wait another couple of years and then realize that you have wasted enough time.
So, for once, keep your side of the family aside (in thoughts) and then ask yourself: Am I ready to marry my partner?
If YES, you know what to do and if NO, then you are perhaps making your family an excuse and not willing to move into marriage.
Reality check, but a necessary one...

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

Ans: Dear Anonymous,
You are not alone! There are many couples in this age bracket who have very mismatched sexual urges; but that doesn't take the fact away that there is a marriage and love within it, right?

What do we do when children grow from a baby to a adult? Every phase requires us to interact with them very differently. From being instructional to giving them their space, we have managed it all...How? Because we have acknowledged that children grow up and that we need to keep adapting to suit their minds and their age then.

It's the same with marriage as well. It's not fair to expect that your wife will be sexually active and highly charged up like she used to in the early days of marriage. She possibly is going through her perimenopause or some changes emotionally that is possibly deterring her from getting intimate. Talk to her, care for her, support her and also know that there are other forms of sexual intimacy other than sex alone. Start slowly, like you are still dating and bring back the spice element. Get a general check-up done to rule out any deficiencies in terms of vitamins so that this can be added as supplements.

Now, does this mean that she will be back with the energy and urge of a 25-year old? Possibly not, but at least it will give you both time to appreciate that there are phases in life and to accept this calls for maturity and a great deal of understanding. So, start by talking about it and take it slowly...

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

Ans: Dear Yuvraj,
I do see a lot of youngsters jumping into the bandwagon of start-ups without realizing the twists and turns in it. It's not about churning the next best revolutionary idea but it comes with a mindset that understands perseverance, resilience and a lot of compromises. Now, maybe you already know that, but at a certain point, the demands go beyond all of this where a failure would mean to start all over again OR complete change of the idea and back to the drawing board OR a feeling that joining a start up was a wrong move, and all these can be frustrating.

Now, I do not have all that information, so I can assume that maybe you are just tired from all of it and seek a break. Not interested in your passions could mean that you are possibly tired. So, take a break from it all and actually figure out if the start-up scene is actually right for you. And there is nothing wrong in admitting that it isn't, right? At least you won't learn that a few years down the line and regret wasting time...

But if you come back from the break, feeling rejuvenated, then you know that you can get back into the start-up with renewed vigor. Either case, that break will give you some reflection time. During the break, connect with a mentor or a coach who can actually help you dig deep down and get to the bottom of this...Motivation is just a step away provided you do something to wake it up...

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

Ans: Hello Chandrappa.
The Indian Institute of Science (IISc) Bangalore is one of the premier institutes of India. You can do UG + PG here with doctrate also. For admission, you must clear JEE (main ) and JEE (Adv). Also you can take admission via KVPY (Kishore Vaigyanik Protsahan Yojana) exam scores.
The courses available at UG level are:
(1) Engineering Majors: Materials, Earth & Environmental Science
(2) Science Majors: Mathematics, Physics, Chemistry, Biology
(3) Interdisciplinary Majors: Data Science, Artificial Intelligence, Nanotechnology, Quantum Science
Among all these course, based on your choice and interest, you can prefer Artificial Intelligence and Data Science, Quantum Science and Engineering, Materials Science and Engineering, Aerospace Engineering, Electrical Engineering
Finally, IISc is a prestigious institution that emphasizes research-intensive learning, making it an ideal place for students passionate about engineering and scientific research.

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If dissatisfied with the reply, please ask again without hesitation.
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Radheshyam

Ans: Dear Preeti,
In almost most the questions that I receive on similar issues as yours, my suggestion has usually been: parents disagree due to certain beliefs that they have on culture, traditions, faith, financial status differences and so, actually talk to them about what actually is worrying them. That could be a start point for you.

Then of course, the reason as to why you chose this person cannot simply be: I like him and so...when you speak with your parents, they are going to need not just information but also a lot of reassurance as to why the boy is right one for you. Do ask you partner to step in to actually help in this situation with your parents. Let them get to know one another...You need to start somewhere to see what works and what does not and what absolutely will not! Then you can modify the manner in which you approach the situation; start somewhere...And oh, do not feel obligated to your parents and make decisions about your life. Instead know that they care for you and have done what parents do for their children.

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

Ans: Dear Anonymous,
There's nothing wrong in you wanting transparency when it comes to the family's finances. But the way it has been right from the beginning of your marriage, is that you did not ask and you were not told.
So, suddenly when you have expressed an interest in knowing and participating, your husband has not understood this. Be clear when you discuss with him that you wish to talk about it not to deter him from anything but to actually support him in whatever he does. He also is perhaps used to taking financial decisions all by himself and continues to do so...So, if something has changed within you, express it and allow him the time to change as well...

In your words: But i think that a couple should spend time having a healthy talk about their own commitments and investments.

Yes, but if it was this way right from the time when you two married, it would not be an issue. Your want now is not wrong, but has changed from what it sued to be...so, express, let him reflect on it and then have a healthy debate/discussion on it.

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

Ans: You've built a diversified mutual fund portfolio across multiple categories and fund houses, which is commendable. Let’s review this structure to ensure it aligns with your goals and maximises growth potential for your 10-12 year horizon.

In the following suggestions, I’ll focus on streamlining your portfolio for balanced growth, minimising overlap, and optimising returns.

Review of Current Portfolio Structure
Your portfolio spans several categories, including large-cap, index, mid-cap, small-cap, and flexi-cap funds. While this diversification reduces risk, it may also lead to redundancy and portfolio overlap. Let’s evaluate each category:

Large-Cap: Provides stability and moderate growth.

Mid-Cap and Small-Cap: Offers higher growth potential but comes with more volatility.

Flexi-Cap: Adds flexibility, allowing fund managers to adjust holdings based on market conditions.

Index Fund: Index funds often carry lower costs but may underperform actively managed funds over time.

Analysis of Each Fund Category and Suggested Adjustments
1. Large-Cap Funds
Current Investment: Rs 1,000 in ICICI Bluechip Fund (Direct Growth).

Assessment: A large-cap fund adds stability to the portfolio, which is beneficial.

Suggested Action: Continue with this allocation, as large-cap funds provide balanced growth and less volatility.

2. Index Fund
Current Investment: Rs 1,000 in ICICI Nifty Fifty Index Fund.

Assessment: Index funds may offer stable returns but lack active fund management benefits. Actively managed funds typically outperform index funds in the long run, especially for a 10-12 year horizon.

Suggested Action: Consider switching this allocation to an actively managed large-cap or flexi-cap fund. Actively managed funds provide potential for enhanced returns with the support of skilled fund managers.

3. Mid-Cap Funds
Current Investment: Rs 3,000 (split across Motilal Oswal Mid Cap, HDFC Opportunities Mid Cap, and Quant Mid Cap).

Assessment: While mid-cap funds offer growth, holding three funds within the same category may create overlap. Mid-cap funds can be volatile but generally perform well in the long term.

Suggested Action: Consider consolidating to two funds within this category. Reducing overlap allows for easier tracking and reduces redundant exposure. Continue with HDFC Opportunities and one other mid-cap fund of your choice.

4. Small-Cap Funds
Current Investment: Rs 2,000 (Rs 1,000 each in Nippon India Small Cap and Quant Small Cap).

Assessment: Small-cap funds have high growth potential but also high risk. Limiting to one small-cap fund can manage risk more effectively, especially as the portfolio already has mid-cap exposure.

Suggested Action: Consolidate to one small-cap fund. Select the fund that has consistently performed well and aligns with your risk tolerance.

5. Flexi-Cap Funds
Current Investment: Rs 8,000 (allocated across Parag Parikh Flexi Cap, HDFC Flexi Cap, JM Flexi Cap, and Quant Flexi Cap).

Assessment: Flexi-cap funds are a good choice for your investment horizon, as they allow fund managers to adjust between large-, mid-, and small-cap stocks. However, having four funds in this category may lead to redundancy.

Suggested Action: Narrow down to two or three flexi-cap funds. This streamlines your portfolio and reduces tracking complexity.

Recommended Portfolio Structure for a Balanced, Growth-Oriented Approach
After the above adjustments, here’s a suggested rebalancing strategy:

Large-Cap Funds: Maintain your allocation in ICICI Bluechip. Large-cap stability is crucial for a well-rounded portfolio.

Flexi-Cap Funds: Retain Parag Parikh Flexi Cap and one or two others of your choice. Flexi-caps should form a significant portion, as they offer the flexibility to adjust across market caps.

Mid-Cap Funds: Retain two mid-cap funds for growth potential. HDFC Opportunities Mid Cap and one other mid-cap fund should be sufficient.

Small-Cap Funds: Retain one small-cap fund for high growth potential. Select the one that best suits your risk tolerance.

Benefits of This Streamlined Approach
A simplified portfolio offers multiple benefits for long-term wealth creation:

Reduced Overlap: Minimising fund overlap reduces redundant exposure within the same asset class. This makes your portfolio more efficient.

Enhanced Returns: Actively managed funds in flexi-cap and large-cap categories are likely to yield better returns over time than index funds.

Easier Management: Fewer funds mean easier tracking and management. A simplified portfolio enables regular reviews without added complexity.

Taxation Awareness for Mutual Funds
Understanding taxation helps in planning withdrawals and tax savings effectively.

Equity Mutual Funds: Long-term capital gains (LTCG) over Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both LTCG and STCG are taxed as per your income tax slab, which can impact post-tax returns.

Tax-Efficient Withdrawals: Plan withdrawals strategically to minimise taxes and maximise returns. A Certified Financial Planner can guide on the tax-efficient withdrawal approach.

Final Insights
Your diversified portfolio shows a good approach towards growth. With a few adjustments, it can become more streamlined and focused on high returns. Aim for a balance of stability and growth with carefully chosen large-cap, mid-cap, and small-cap funds.

A well-maintained portfolio with annual reviews, consolidation, and tax-aware strategies will bring you closer to achieving your financial goals.

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