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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Oct 13, 2022

Mutual Fund Expert... more
syed Question by syed on Oct 13, 2022Hindi
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I am 34 years old. I need 1cr in next 10-12 years. I have invested in below mutual funds. Please give your valuable suggestions.

 1. Tata digital India fund regular growth-2500/ month

2. ICICI prudential flexicap fund direct plan growth- 7000/month

3. ICICI prudential smallcap fund direct plan growth- 2000/month

Ans: Funds are fine, for a corpus of Rs 1 cr; Rs 40K monthly investment is required.

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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Ans: To accumulate 1 crore in the next 10 years, you'll need to calculate the required monthly investment based on your expected rate of return. Here's a general outline to help you get started:

Calculate Required Monthly Investment: Determine the monthly investment required to reach your goal of 1 crore in 10 years based on your expected rate of return. You can use online SIP calculators or consult with a financial advisor to perform this calculation.
Choose Suitable Mutual Funds: Look for mutual funds that have a track record of consistent performance, align with your risk tolerance, and have the potential to deliver competitive returns over the long term. Consider a mix of large-cap, mid-cap, and multi-cap funds to diversify your portfolio and mitigate risk.
Review Fund Performance: Evaluate the historical performance of mutual funds you're considering investing in. Look for funds with a proven track record of outperforming their benchmarks and peers over various market cycles.
Consider Expense Ratios: Pay attention to the expense ratios of mutual funds, as lower expense ratios can lead to higher net returns over time. Choose funds with reasonable expense ratios that don't erode your investment returns significantly.
Seek Professional Advice: Consider consulting with a certified financial planner or investment advisor who can provide personalized recommendations based on your financial goals, risk tolerance, and investment horizon. They can help you create a customized investment plan tailored to your needs and objectives.
Remember to regularly review your investment portfolio and make adjustments as needed to stay on track towards achieving your financial goals. With careful planning and disciplined investing, you can work towards building a substantial corpus of 1 crore over the next 10 years.

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am 40 plan to get 1cr in next 10 year how much invest? Please suggest which mutual funds are good
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I am in relationship with a kind beautiful girl, hope we will get married , our families know eachother . But my gf was in relationship with someone in teenage and is getting blackmailed . She is afraid , she told me everything before , it's very confusing for me should I marry her , what if my family knows about it , he's blackmailing her and is telling her to not marry me otherwise he will share her private pics in social media . Should I be afraid , I love her and can wait for her , should I tell my family about this all. I really care for her and never judge for past relationship.
Ans: the most important thing is supporting your girlfriend without letting fear or confusion overwhelm you. She trusted you enough to share her past, which means she sees you as her safe space. Right now, your focus should be on helping her deal with the blackmail rather than doubting your future together.

Blackmail is a crime, and this guy is taking advantage of her fear. The worst thing you both can do is let him control the situation. Encourage her to take legal action—she can file a police complaint under cybercrime laws, and in many cases, authorities act swiftly against such threats. If she is too scared to go to the police, you can explore other options like speaking to a lawyer for guidance.

As for your family, you need to assess how they might react. If they are open-minded and supportive, telling them could help, but if you think they will overreact or judge her unfairly, you may want to keep this between you and your girlfriend for now. The key is ensuring she feels safe and not abandoned.

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My son is a huge fan of podcaster Ranveer Allahbadia. Initially, he came across as one of those dumb so called influencers, but some of his content on religion and politics have also been interesting. I recently came to know that my son has watched this controversial show called India's got Latent and now he is clearly defending the guy and the entire team. My son is 17, uses a shared smartphone and accesses internet on WiFi. I don't know if he even understands what he is watching and how it can shape opinions. His father wants me to keep a watch on his internet usage, which I am not too sure of. In a few months, he will be 18. How do you think I can talk to him and help him understand that social media to be taken with a pinch of salt?
Ans: At 17, he’s at an age where he’s forming his own opinions, and if you try to restrict or overly monitor him, he may just push back harder. The best approach is to have an open, respectful conversation with him rather than making it seem like you’re trying to police him.

Start by acknowledging his interests instead of dismissing them outright. You could ask him what he likes about Ranveer Allahbadia or India’s Got Latent—not in a confrontational way, but out of genuine curiosity. If he feels heard, he’s more likely to listen to your perspective as well.

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Relationships Expert, Mind Coach - Answered on Feb 21, 2025

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Hi mam/sir, I am 24 independent girl living in Bangalore. I come from a middle class family, with lot of past issues. My parents have horrible relationship; my father has never supported us in our education. My mother has only been there for us. My mother’s family has also supported us alot. I have a boyfriend for 4 years, he is well settled and educated person. I told my mother about him 2 years back. But my mother is not flinching at all, she is very firm that she will never agree to this as the boy is from another caste. She also says her parents i.e my grandparents will stop talking to us, their reaction will be horrifying. This I am also aware a little bit, my family is extremely conservative and no one in my family has ever done love marriage. I have slowly started to gather somd strength nd told my few cousins & aunt. They all suggestive me to forget this guy, as our family will never agree to it. I do not know how to proceed. This person is amazing & i am sure about him. On the other hand my mother has been constantly taunting me for this; but i am grateful to her for all her support till date. And the worst part - this alliance can only be finalised when my grandparents agree to it. Neither me nor my mother has guts to talk to them about it.
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The fact that she has been constantly taunting you about this must be emotionally draining. At the same time, you feel grateful for all the support she has given you throughout your life, which makes this even more complicated. Your extended family reinforcing her stance adds to your struggle, making you feel like you have no one on your side.

You have already taken a big step by standing your ground, despite the pressure. Right now, the best approach might be to gradually help your mother see your boyfriend as a person, beyond just his caste. Instead of forcing the conversation toward marriage immediately, you could try introducing him in a way that feels natural—talking about his achievements, his values, and how he has supported you. Over time, she may begin to see him in a different light.

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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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