Hi , I am 40 years old want to accumulate 3.5 crore in next 15 years . I have started investing in mutual funds from last one year and my monthly sip is 40 thousand rupees. But I started investing without any guidance now I am worried is my portfolio balanced . I want increase my monthly Sip to 60 thousand .my present portfolio 1.Nippon India small cap 5 thousand monthly sip. 2.Nippon India flexi cap 5 thousand monthly. 3.PGIM India midcap opp fund 5 thousand month. 4.SBI retirement benefit fund 5 thousand . 5. UTI midcap fund 5 thousand monthly. 6.Quant active fund 2 lakh lump sum and 5 thousand monthly. 7.HDFC balanced advantage fund 2 lakh lump sum and 5 thousand monthly 8.ICICI pru multi asset fund 2lakh lump sum and 5thousand monthly

Ans: Dear Bhawik!!

Pat yourself on the back for being a committed employee. The problems you have stated happen to most people who give their 100% to their work. Since you already know what it is to be 100% at work, it is time for you to give your 100% at home and to yourself.
You need to mentally detach yourself from work the moment you step out of the office building.
How will you do this? Adopt the following-
1. before leaving the office list out all the activities for tomorrow , prioritise them and mentally commit to them as tasks for tomorrow.
2. as soon as you exit the office building take three deep breaths , inhale and exhale deeply - this is called a transitioning breath which helps you transition from activity to another
3 establish rituals like listening to music( which you love) the moment you leave the building
4. if your transit form office to home takes some time, then practice being in the moment by looking around - the people, the trees, the sky, let all your senses be involved- use your eyes to see, nose to smell, ears to hear the sounds around, feel the breeze in your hair/ on your skin. This makes you feel 100% alive. Stay in the moment.
5. when you reach home, greet your loved ones with a smile
6. spend a little time doing nothing , just be
7. enjoy your meal mindfully
8.take a small walk after your meal
9.spend min 10 mins doing something that brings you joy, for me it is reading a book, what is it for you?
10.go for a guided "Yog Nidra" before sleeping.

Do not intellectualize these suggestions. Just do them. They are tried and tested methods for a proper demarcation between work and home life.
Best wishes for a life well lived and restful sleep..

Ans: Put in a bank FD or in a multi asset fund of a mutual fund

Ans: Investment should be as per your goal you can convert your FD in a balanced mutual fund called equity hybrid funds or a multi asset fund

Ans: Since you are young there is no reason to keep money in fixed deposit, convert it into equity mutual funds ans since you earn 5.5 to 6 lakh a month you can start SIP in mutual funds

Ans: Start investing in equity mutual funds through monthly investment called systematic investment plan

Ans: What is your monthly expense ? What for you have taken loan ?

Ans: Hello

Life is all about juggling multiple balls... however there are some which takes higher priority.

Between family matters and career suggest you discuss your career situation with family and seek their support in understanding your challenges. Inam sure they will look at things from your perspective as well.

At 28 you are too young to have this kind of stress as you have just started your career. While at times situation may seem tough but then we all have to walk that phase...hold on...be strong... believe in yourself.

All the best.

Ans: Hello

I can understand your predicament...

Suggest you do an assessment exercise of pros and cons of govt job vs private sector job and discuss the se with your family. May be they will change their perspective or you will get different perspective.

At 27 you are too young to have this kind of stress as you have just started your career. You have life ahead to kiss the world...don't lose heart, believe in yourself...You will do great.

All the best

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