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Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

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

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Apr 22, 2024Hindi
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Hi sir, I'm investing 3.5k in axis small cap fund and 3.5k Nippon small cap fund direct growth.. i have some doubts in these funds..is these funds are good or not, please advise me..how many years should I continue my investment for better growth?

Ans: Investing in small-cap funds like Axis Small Cap and Nippon Small Cap can offer high growth potential but come with higher volatility. Here's a breakdown:

Performance: Small-cap funds tend to outperform in bullish markets but can underperform in bearish phases. Monitor the funds' performance against their benchmarks and peers.

Investment Horizon: Small-cap investments are best suited for long-term goals, typically 5-7 years or more. This duration allows the funds to navigate market cycles and potentially deliver better returns.

Risk Tolerance: Ensure your risk tolerance aligns with the volatility associated with small-cap funds. If you're comfortable with market fluctuations and have a long-term horizon, continue investing.

Diversification: While small-cap funds offer growth potential, consider diversifying your portfolio with large-cap or multi-cap funds to balance risk and return.

Review: Regularly review your investments, at least annually, to assess performance and alignment with your financial goals.

Considering the above factors, if you have a long-term horizon and can tolerate volatility, continuing your investment in these funds could yield better growth. However, ensure to monitor and review periodically.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - Apr 22, 2024Hindi
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Hi sir, since 3-4 months I have investing 7k in Mutual funds. 3.5k in axis small cap fund direct growth and 3.5k Nippon small cap fund direct growth.. are these funds are good to invest ..or should I drop .. I'm confusing, please advise..how many years should I continue my investment in these funds for better returns?
Ans: It's commendable that you're taking steps towards investing in mutual funds. Let's analyze your current investment in Axis Small Cap Fund and Nippon Small Cap Fund:
• Axis Small Cap Fund (Direct Growth): Small-cap funds like Axis Small Cap Fund invest in stocks of small-sized companies with high growth potential.
• Nippon Small Cap Fund (Direct Growth): Similar to Axis Small Cap Fund, Nippon Small Cap Fund focuses on investing in the stocks of small-cap companies. It's important to note that small-cap funds can be riskier due to their higher volatility, but they also have the potential for higher returns over the long term. Like with any equity investment, it's advisable to have a long-term investment horizon of at least 5-7 years to potentially ride out market cycles and benefit from compounding returns.

Investing in mutual funds directly (Direct Funds) can have some drawbacks compared to investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential. Here are the disadvantages of direct funds and the benefits of investing through an MFD with a CFP credential:
Disadvantages of Direct Funds:
1. Lack of Personalized Advice: When investing directly, you may not receive personalized financial advice tailored to your specific needs, goals, and risk tolerance.
2. Limited Research: Direct investors are responsible for conducting their own research on funds, which can be time-consuming and may not always lead to informed investment decisions.
3. Behavioral Biases: Direct investors may fall prey to emotional biases like fear and greed, leading to impulsive investment decisions that may not align with their long-term financial goals.
4. No Portfolio Review: Direct investors may not receive regular portfolio reviews and rebalancing recommendations, which are crucial for maintaining a well-diversified investment portfolio.
Benefits of Regular Funds Investing through MFD with CFP Credential:
1. Personalized Financial Planning: MFDs with CFP credential offer personalized financial planning services, helping you set clear financial goals and develop an investment strategy tailored to your needs.
2. Professional Guidance: MFDs can provide professional guidance and investment advice based on their expertise and market knowledge, helping you make informed decisions aligned with your financial objectives.
3. Access to a Wide Range of Funds: MFDs offer access to a diverse range of mutual funds across asset classes and investment styles, enabling you to build a well-rounded investment portfolio tailored to your risk profile and investment horizon.
4. Regular Portfolio Monitoring: MFDs regularly monitor your investment portfolio, review fund performance, and make necessary adjustments to ensure it remains aligned with your financial goals and risk tolerance.
5. Simplified Investing Process: Investing through an MFD streamlines the investment process, allowing you to consolidate your investments and receive consolidated reports for easy tracking and monitoring.

In conclusion, both Axis Small Cap Fund and Nippon Small Cap Fund can be suitable investment options if you have a long-term investment horizon and a high risk tolerance. However, it's essential to regularly monitor the performance of your investments and review your financial goals to ensure they align with your investment strategy.

While direct investing may offer lower expense ratios, the lack of personalized advice, limited research capabilities, and behavioral biases can outweigh the cost savings. Investing through an MFD with a CFP credential provides you with professional guidance, personalized financial planning, and ongoing portfolio monitoring, enhancing your chances of achieving your long-term financial goals.

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Hi Madam, I'm 60,retired, my wife is 47, our son is 23. I had love marriage and was leading a happy married life. Just after silver jubilee of our wedding anniversary I accidentally came to know that my wife is madly in love with one of our common married friend who runs a simple shop. Upon investigation I found that they are in relation for last 12 years and were enjoying sex in my own house for such a long time. He hails from an uneducated family and is not even cultured. I could not believe that the wife of a highly educated socially respected man could do this with a shopkeeper who does not have any socio economic status. I am living a normal life with my wife for the sake of our only child. Once he settles in life I have decided to end my life. Ofcourse I still love her as ours was a love marriage. I seek your wise suggestion in this regard, should I divorce her or live a normal life that we are doing?
Ans: Dear Shristi,
It is obviously very shocking for you to know that things have been happening behind your back.
Now, how you want this to move on from here on, is a decision only you must make! Have you had a chat with your wife about the association that she has with the other person? Does she know that you know about it?
If she doesn't, then you need to make her aware and yes, do ask her whether she is interested at all in the marriage. That will give you an idea as to whether things are worth fighting for or is it best to walk away!

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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Anu Krishna  |1269 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 05, 2024

Asked by Anonymous - Nov 03, 2024Hindi
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Relationship
Hello madam I a 32 year old married man with a kid , who is 6 years old. I have done arrange marriage with my own decision I agreed to my parents for the marrige at that time I was in a casual relationship with a girl I didn't said anything to the girl and get married to someone else. After that I tried to live a happay life with my wife without thinking about the girl whom I left behind, from outside I tried to be happy with my wife but my wife thought doesn't matches with me so I felt so disturbed from inside. Still I was trying to continue the relationship for sake of our child but suddenly I got my ex love contact and I was so happy that after so long time I got a chance to talk to her, I have tried to meet her but she always refused to meet me because she was in a relationship. I tried many times and due to some misconduct I again lost her for the second time. At this moment when she is not with me her thoughts memories are troubling me so much I am in pain, what am I suppose to do to get rid of the pain?? Please help
Ans: Dear Anonymous,
There is no point wanting a 'past' relationship just because you have one...what if that relationship did not exist, you would have possibly made efforts to make your marriage work, right?
Then do just that...DO NOT treat your marriage as an option...which marriage is a perfect one? And are all spouses tailor-made to fit one another?
So, if her thoughts don't match with yours, then even yours don't match with hers...so, should she also think of jumping into some other relationship. Please act mature about this especially with a child in the entire equation; try and understand each other...speak about your differences and find ways of working on them by accepting them. Ex-love etc looks all very nice, but come down to ground reality; please...work on your marriage!

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

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

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Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024Hindi
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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

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Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Relationship
Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

...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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