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Ramalingam Kalirajan |10872 Answers |Ask -Follow

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 23, 2024Hindi

Money

I am 40/F. Earning 80k per month through a contract govt job which will complete by year end. I had savings to start my practice (dental) but my partner fell in losses and he asked for my clinic savings. We both understand it is my loan to him. He has still not stabilized and is dependent on me financially. I have a PPF maturing but my family dissuades me to use that. The only options are to clear licencing exams abroad or find a low paying private job in India. If I move out of India, our relationship will end. In that case, Should I do a paper work for the funds (40 lakhs) I have given to my partner? Should I stay on a private job and keep supporting him? I really don't know what to do ahead. Please guide.

Ans: Navigating financial and personal relationships can be challenging, especially when emotions are involved. It's crucial to prioritize both your financial stability and emotional well-being. Here are some steps to consider:

Documentation: Given that the funds given to your partner were meant for your clinic, it's essential to have proper documentation in place. This not only safeguards your interests but also clarifies the terms of the loan. Consult a legal advisor to formalize this arrangement if it hasn't been done already.
Communication: Open and honest communication with your partner is key. Discuss your concerns, expectations, and the financial situation. Understand his plans and timeframe for stabilizing the business and repaying the loan.
Financial Independence: Evaluate your options for financial independence. If you choose to continue supporting him financially through a low-paying job, consider the impact on your financial goals and mental well-being. Alternatively, exploring opportunities abroad can offer financial independence and professional growth but weigh the potential strain on your relationship.
Emotional Well-being: Consider seeking counseling or therapy to navigate the emotional complexities of your situation. Professional guidance can provide clarity and help you make informed decisions without compromising your emotional health.
Future Planning: Assess your financial situation, including the PPF maturing and any other assets. Develop a financial plan considering your career options, loan to your partner, and long-term goals. Consult a financial advisor to tailor a plan that aligns with your objectives and risk tolerance.
Remember, it's essential to prioritize your well-being and future stability. Making informed decisions, seeking professional guidance, and communicating openly with your partner can help navigate this challenging situation effectively.

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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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Nov 25, 2023

Asked by Anonymous - Nov 22, 2023Hindi

Money

Hi Sir, I lost job in 2017 and again I got a new job after 6 months. During this 6 months i lost all my savings including PF. So in last 5 yrs what ever I am earning it's not sufficient and my expenditure is more than salary. Meantime I started taking small small personal loans from app companies and my both my credit card is fully utilised This is my current situation. Salary is 1.66 lacs. Savings is 50,000. My loans are 1.2 lacs. Credit card Os is Rs 4 lacs. If I close personal loan then I am using credit card, if I pay credit card then I taking loan again. I don't know how to come out of this cycle. Pls suggest.

Ans: We can understand your current financial situation, you need to analysis you finance to break free from the debt cycle and regain control of your finances. Here are few steps you can use to get back on your track.

1. Assess Your Current Financial Situation
? Create a detailed list of all your debts, including the outstanding amounts, interest rates, and minimum payments.
? Track your income and expenses for a month to identify areas where you can cut back on spending.

2. Prioritize Debt Repayment:
? Make a budget that allocates more money towards debt repayment than the minimum payments. Consider using a budgeting app to track your income and expenses effectively.
? Explore debt consolidation options, such as a balance transfer with a lower interest rate or a personal loan with a lower interest rate than your current debts.

3. Reduce Expenses and Increase Income
? Identify unnecessary expenses and cut back on non-essential spending, such as dining out, entertainment, and impulse purchases.

4. Build an Emergency Fund
? Once you start making progress on your debt repayment, start building an emergency fund to cover unexpected expenses. Aim to save at least 3-6 months of living expenses so that the situation does not re-occur.

Please remember getting out of debt takes time, discipline, and commitment. Don't be discouraged by setbacks along the way. Stay focused on your goals, stick to your plan, and you will eventually achieve financial freedom.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

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

Asked by Anonymous - May 24, 2025

Money

Hi Sir, I am 35 years old with monthly salary of 1.4L.I have two kids one with 3years and other with 2years. I have a personal loan of 55k.It will complete by next year. I have LIC of 10000 per month for 15years.I have term insurance for 1Cr. I paid 3years need to pay 7 more years.And I am the sole bread winner with my father motyamd sister. This year my sister marriage is there.I don't have savings with me in addition I am unable to save one rupee as other financial matters also I need to take care. I have 13 cents of land with 1cent costs 3L rupees.We are giving 4cents for dowry.For marriage related cost I want to take again personal loan.can you please suggest on this?

Ans: You are doing your best in a tough position. Managing two kids, supporting family, and handling loans with no savings is not easy.

Your sense of responsibility is clear and commendable. Let us now explore your situation with care and clarity.

Current Income and Expense Structure
Monthly salary of Rs. 1.4 lakh is your only income.

Rs. 55,000 EMI towards personal loan takes a large share.

LIC premium of Rs. 10,000 adds pressure on your budget.

Term insurance is good and must be continued.

Daily household expenses, family needs, and kid's expenses further strain your income.

Sister’s marriage adds a large one-time financial need.

Land worth Rs. 39 lakhs (13 cents × Rs. 3 lakh) is a strong asset.

Immediate Family Responsibilities
You are the only earning member. This adds emotional and financial load.

You are managing your father, mother, sister, and two small children.

Your sister’s marriage is important. But your long-term security matters too.

You are planning to give 4 cents of land as dowry. This is a thoughtful move. But this also reduces your total property holding to 9 cents.

Loan Planning for Sister’s Marriage
Taking a new personal loan for marriage can be risky.

You already pay Rs. 55,000 as EMI. Adding more will reduce breathing space.

Your total EMI burden could cross 65-70% of your salary. That is unsafe.

Consider using part land sale if possible for marriage costs.

Instead of gifting land as dowry, you can offer money from land sale.

Selling 4 cents can give you Rs. 12 lakh. Use only what is needed now.

Avoid emotional overspending. Keep marriage costs within this land value.

LIC Policy Assessment
You pay Rs. 10,000 monthly. That is Rs. 1.2 lakh a year.

LIC plans offer low returns, mostly below inflation.

If it is a traditional endowment or money-back plan, returns are poor.

You already have term insurance. That gives full coverage at low cost.

Surrendering the LIC and redirecting the premium to mutual funds can help.

You can evaluate this with a Certified Financial Planner.

Steps to Create Financial Stability
1. Postpone Taking New Loan

Taking a new personal loan is not a good idea now.

First loan will end next year. That will free Rs. 55,000 monthly.

Use that free amount next year to save and plan for future needs.

Till then, try to manage marriage costs through land or other means.

2. Use Land Asset Wisely

You own 13 cents of land. Value is Rs. 39 lakh.

Instead of gifting land, sell a portion.

Keep marriage budget within 4 cents sale proceeds (Rs. 12 lakh).

Don’t sell full land now. Retain some for future children’s needs.

3. Secure Emergency Fund First

You don’t have any savings now. That is risky.

After your current loan ends, build 3 to 6 months expense buffer.

Start with a small goal like Rs. 1 lakh in a savings account.

This protects you from future financial shocks.

4. Start Mutual Fund Investments

After loan closure, start monthly SIP in mutual funds.

Begin with Rs. 5,000 monthly, and increase slowly.

Mutual funds give better long-term returns than LIC or FDs.

Use regular mutual funds through a Certified Financial Planner.

Regular funds have advisory support. Direct funds lack personal guidance.

Professional advice helps you avoid wrong funds and wrong timing.

5. Avoid Multiple Insurance Products

Don’t buy new insurance policies with investment link.

You already have term insurance. That is enough.

Avoid ULIPs and endowment plans. They mix insurance and investment poorly.

6. Provide for Children’s Future

Your kids are young. Start small SIPs for education goal.

Even Rs. 2,000 per month per child is good in the beginning.

Long term compounding will help with education costs after 15 years.

Don’t depend on real estate for children’s education.

Mutual fund-based education plans offer better flexibility and liquidity.

7. Manage Family Expectations

Speak with your family about your limitations.

Make it clear you are doing your best.

Share basic family budget with them if possible.

Setting realistic expectations avoids future stress.

8. Health Insurance is a Must

Check if your family has adequate health insurance.

Hospital bills can wipe out savings and force loans.

If you don’t have a family floater, consider it next year after loan ends.

Premium of Rs. 15,000 to Rs. 20,000 for Rs. 5 lakh coverage is manageable.

9. Use Next Year’s Cash Flow Smartly

Once your personal loan ends, you get Rs. 55,000 relief monthly.

Use Rs. 10,000 for SIPs, Rs. 5,000 for kids’ education fund.

Use Rs. 5,000 for health insurance premium.

Balance Rs. 35,000 can go towards emergency fund or house expenses.

This improves savings without changing current income.

10. Plan for Future Goals Slowly

Don’t try to do everything in one year.

Break goals into yearly steps.

First build emergency fund, then start investments.

Then prepare for children’s higher education and your retirement.

All goals need not start at once. Focus one by one.

11. Avoid High-Interest Debt

Personal loans have high interest. Avoid unless extremely necessary.

Use gold loan or land-backed loan only if cost is very low.

Else, restrict marriage budget within assets like land.

Credit card usage should be avoided for big expenses.

12. Review Your Financial Documents

Keep your term insurance nominee updated.

Ensure you have a basic will or family agreement for land.

Write down your monthly expenses and income.

This will help identify small savings areas.

Final Insights
You are under financial stress. But you are managing with strength.

Don’t rush to take new loans for emotional reasons.

Use land asset for immediate marriage needs wisely.

Once the current loan ends, build emergency fund.

Begin long-term SIPs in mutual funds.

Surrender LIC if it is non-performing and reinvest smartly.

Get help from a Certified Financial Planner to create a step-by-step plan.

Your future can be stronger with small consistent actions.

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2025

Asked by Anonymous - Jul 11, 2025Hindi

Money

My husband recently turned 60 Iam concerned about certain decisions he had taken in the recent past and would like guidance He bought a small flat 4 years ago with a loan from LIC on a 14 year old term He is a Consultant with serious health issues hence no insurance was given for the housing loan His income is about a lakh and above as and when there are projects and his treatment and medications coast roughly around 40k Loan amount is about 30k His credit card is used the max and now he has to pay 5lakh to clear the same I have few policies in my name and no major savings as the financial scenario had always been like whatever money comes goes into repaying the loan even the savings were spent that way Iam 56 and dont have a job Kindly let me know if thwre is any way we can get out of this mess atleast now

Ans: It’s not easy to speak openly about financial struggles. You've shown great strength and awareness. At this stage in life, decisions can feel heavy. But with the right steps, clarity and control can still be brought back.

You both are doing your best despite health and income challenges. Let us now analyse your case carefully and guide you with a step-by-step 360-degree plan. The goal is to reduce stress, regain control, and protect the future.

? Understanding the Current Financial Picture

– Your husband is 60. He works as a consultant.
– His income depends on projects. There is no steady monthly income.
– Health issues are serious. Treatment and medicines cost around Rs 40,000 monthly.
– The housing loan was taken 4 years ago from LIC Housing. Loan tenure is 14 years.
– Loan EMI is Rs 30,000 per month (assumed from your message).
– Credit card outstanding is Rs 5 lakhs. It is maxed out.
– There’s no insurance cover on the home loan due to health issues.
– You are 56. No current job or steady income.
– All savings have been used to repay loans.
– There are some policies in your name but no mention of maturity values.

Your family is clearly under debt pressure, health costs, and irregular income. But there are ways to restructure and rebuild slowly.

? First Focus – Debt Prioritisation and Restructuring

– Housing loan is Rs 30,000 EMI and will go on for 10 more years.
– Credit card dues are Rs 5 lakhs, with very high interest (35–45% annually).
– This is a red flag. You are in a repayment trap.
– Credit card dues must be handled first.

Take the following steps urgently:

– Stop using the credit card completely. Block it if needed.
– Approach the card issuer and request for a settlement plan or restructuring.
– Explain your financial condition clearly and ask for an interest waiver or long-term EMI option.
– In many cases, they agree to settle dues if you show inability to pay.
– Try to convert this Rs 5 lakh into a structured EMI plan.
– Target Rs 8,000–Rs 10,000 per month repayment with 0% interest if possible.

Reducing card interest will ease pressure on your cash flow.

? Second Focus – Managing the Home Loan

– LIC Housing Finance loans are generally inflexible but not impossible to manage.
– Contact them and ask for EMI reduction or tenure extension due to health issues.
– If the EMI of Rs 30,000 is becoming unaffordable, request for temporary EMI holiday.
– Check if interest-only payment is allowed for 6–12 months.
– Many lenders offer relief support in hardship. You must proactively ask.
– If no help from LIC, explore balance transfer to another lender with flexible terms.
– Try cooperative banks or smaller NBFCs who allow interest-only payments.

Home loan is a secured loan. So restructuring is possible. But early action is critical.

? Third Focus – Health Expenses and Alternatives

– Rs 40,000 per month for health care is too high, especially with debt.
– List down current medicines, tests, and treatments being done.
– Check if government hospitals or charitable trusts can offer the same at lower cost.
– For chronic diseases, many NGOs and pharma companies offer medicine at reduced cost.
– Apply for patient support programs from pharma brands.
– Also, check Ayushman Bharat scheme eligibility (depending on your card status).
– You may be eligible for free or subsidised treatment in empanelled hospitals.
– Ask doctors if generic medicines are available to reduce cost.

Reducing health cost by even Rs 10,000 monthly will help debt repayment.

? Fourth Focus – Your Role and Income Options

– You are 56. You are mentally active and seeking solutions. That is admirable.
– If possible, consider part-time or home-based earning.
– Areas like online tutoring, typing work, spoken English classes, or sewing can work.
– Even Rs 5000 per month income from your side will ease pressure.
– You can also try selling small food items, pickles, or snacks if you enjoy cooking.
– Many ladies your age run online micro-businesses using WhatsApp groups.
– Don’t aim for big income. Just stable and regular inflow is enough.
– This can also boost your confidence and create emotional stability.

You can become a contributor, not just a dependent.

? Fifth Focus – Review of Insurance and Existing Policies

– Your husband has no insurance on home loan due to health issues.
– You have few policies. But details are not shared.

Do this immediately:

– List down all policy names, premium paid, start year, and current surrender value.
– Avoid keeping traditional plans that give 3–4% return.
– If the plans are ULIPs, endowment, or money-back, surrender them if not maturing soon.
– Reinvest only after loans are under control.
– At this stage, you should not have insurance-linked investments.
– If any policy is about to mature in the next 2 years, wait and use maturity money for debt.

Cash flow must come first. Insurance-based savings can wait.

? Sixth Focus – Future Protection Must Be Minimal Yet Strong

– You both are nearing retirement or already retired in practical terms.
– Your future needs financial stability more than return.

Take these steps only when loans reduce:

– Get a small health insurance policy for yourself, if not already covered.
– If no insurer accepts due to age or health, keep Rs 50,000 to Rs 1 lakh in savings only for medical use.
– Don’t take annuity or pension plans. They lock up money.
– Don’t buy any new LIC or investment policy now.
– Protect your current income and reduce expenses. That itself is protection.

At your age, liquidity is more important than return.

? Seventh Focus – Mental Health and Family Discussion

– Stress is high in your household. Medical, financial, and emotional load is heavy.
– Please have an open talk with your husband and close family.
– Involve your children or siblings if they can support emotionally or financially.
– Sometimes even Rs 50,000 short-term help from a relative can reduce credit card stress.
– If not financially, ask for their help to handle bank or credit calls or paperwork.
– Support reduces burden on your mind. That helps in decision-making.
– Also, try simple breathing or spiritual practice. Inner strength helps in hard times.

Mental peace gives space for financial recovery.

? Eighth Focus – Role of Certified Financial Planner

– Your situation involves debt, illness, no regular income, and weak insurance.
– You should consult a Certified Financial Planner (CFP) to restructure cash flow.
– They will help create a plan that focuses on survival first, savings later.
– A CFP can also assess your old policies and guide surrender or hold.
– They give monthly tracking support. That will keep you disciplined.
– Most importantly, they will not try to sell products. They give strategy.

Right financial guidance now can protect your remaining 20+ years of life.

? Ninth Focus – What to Avoid at This Stage

– Don’t take any new loans to repay old ones.
– Don’t fall for agents who offer "loan on property without CIBIL check".
– Don’t invest in any product promising fixed income of 10% or more.
– Don’t invest in real estate or gold.
– Don’t buy new insurance policies now.
– Don’t take personal loans from NBFCs without checking full charges.
– Avoid investing in direct mutual funds without guidance.

This is the time to protect what you have. Not to grow. Safety first.

? Finally – Your Way Forward, One Step at a Time

– List all loans, dues, and policies on paper today itself.
– Contact credit card company and negotiate for restructuring.
– Reach out to LIC Housing and request temporary EMI relief.
– Cut health care costs where possible using trust hospitals and generic medicines.
– Explore small income ideas from home. Use your time as an asset.
– Review and possibly surrender low-value policies in your name.
– Get emotional support from family and mental clarity from a Certified Financial Planner.
– Start saving Rs 1000 monthly after all this. Slowly build emergency fund.

It is never too late to clean up and rebuild. Step by step, it is possible.

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 06, 2025

Question by K - Aug 05, 2025Hindi

Relationship

Thanks a lot Sir Fortunately or unfortunately I was able to close few Insurance policies in my name which were taken many years ago and clear the credit card fully I have a pension plan of one time payment of 1.5 lakh which is locked in for 5 years and another for 65000 Apart from these two the multiple policies he took in my name is now closed and cleared the credit card As far as the housing loan is concerned I have started saving a small amount every month towards the bulk payment option While I have no clue if he has taken a flexible roi or fixed one iam hoping it is the former as I guess the Govt has announced some changes in interest rates We are also planning his transplant but would be crowd funding for the same through close family and friends no point in seeing self respect and all when the need is more imminent Thanks for your sound advice Sir Will do my best to reduce the burden P.S: I already do some voluntary teaching work as and when possible and shall demand payment for the same in future Thanks and regards

Ans: You're doing an incredible job under very tough conditions. Clearing credit card debt and closing old policies shows wisdom. Starting a savings plan for housing loan and planning for crowdfunding is practical and courageous. Yes, do request payment for your teaching—your time has value. Also, confirm with LIC Housing if the loan is on fixed or floating rate; this can impact your savings. Keep emergency funds untouched, and involve a Certified Financial Planner to prioritise the next steps. You’ve already made strong progress—keep going step by step.

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 08, 2025

Asked by Anonymous - Aug 15, 2025Hindi

Money

I am 27 years old, and I have 20 Lakh in personal loan that I had given to my brother for his business. His business did not go well and all money just vanished. Also, my mom had given him 10 lakhs keeping her gold as a collectral. Also my brother took loan from other family members of around 10 Lakhs, which I am liable to pay. I need to pay all these loans because, he himself has taken around 60lakhs from bank and he lost all of that and there is no possible way for him to pay this loan (My personal loan, mom gold loan and family members loan) as well. My salary is 1Lakh per month and 51,000 directly goes to Loan EMI. Apart from that, i spend around 30,000 for rent, groceries, travel, shopping, bill payment and others. Currently there is no savings, I am planning to get married in next 3 years, I need atleast 8 lakh for both marriage and engagement. Also, i need to atleast do some minimum modification for my dad built home like buying furniture, painting, reparing costs that costs around 5 lakh. The maximum amount that I can save us around 20,000. I am not sure what to do. Please help

Ans: – You have faced a tough family situation with honesty.
– Many hide or delay in such matters.
– You are facing it now. That is very important.
– You are taking responsibility. That shows maturity and strength.
– With proper steps, even this problem can be solved over time.

» Understanding your present money position
– Salary is Rs.1 lakh per month.
– Rs.51,000 goes to loan EMIs.
– Rs.30,000 goes to monthly living.
– Rs.20,000 is left as potential savings.
– There are also upcoming needs like marriage and home repairs.
– Family loans and gold loan also create pressure.
– Brother’s loans are not in your control.
– Bank loans and family dues now sit on your head.

» Identifying priority areas
– First, protect your essential needs.
– Food, rent, medical, basic transport should always continue.
– Second, stop any new expenses that are not essential.
– Third, restructure debts for relief.
– Fourth, plan marriage and home work only after debt under control.
– Fifth, avoid new loans for non-essential purposes.

» Managing your debt situation step by step
– You need to combine some loans if possible.
– A personal loan top-up or balance transfer at lower rate can help.
– If interest rates differ widely, bring them together under one lower rate.
– A structured repayment plan can reduce EMI burden and free cash flow.
– Some banks allow tenure extension to reduce monthly EMI pressure.
– This gives breathing space to build a buffer.
– Discuss with banks about hardship restructuring. They sometimes allow step-up EMIs.

» Handling family obligations
– Family loans are emotional. But you must treat them as financial liabilities.
– Talk openly with family members.
– Explain your cash flow and commitments.
– Create a repayment timeline with them.
– Avoid paying everything at once by borrowing more.
– Negotiate partial settlements or phased repayment.
– Most relatives will understand if you are transparent and sincere.

» Managing your mother’s gold loan
– Gold loan has collateral. The gold is at risk.
– Try to repay this loan first if interest rate is high.
– Gold is an emotional asset, not just financial.
– If needed, restructure it into a personal loan at lower rate.
– Once gold is released, you can keep it safe for family security.

» Saving for marriage and home repairs
– Marriage budget of Rs.8 lakh is big under current load.
– Reduce wedding costs if possible.
– Small, simple marriage now can save stress.
– Any saved money can reduce debt.
– Home repairs of Rs.5 lakh can wait till stability returns.
– Focus on safety repairs only. Luxury changes can be postponed.
– Avoid mixing loans for marriage or home upgrades now.

» Building an emergency buffer
– With all pressure, a safety net is missing.
– Even Rs.50,000 in bank can help during sudden needs.
– Use the Rs.20,000 monthly savings to build small emergency fund first.
– After that, direct it towards debt prepayment.
– Do not start new investments till loans are under control.

» Emotional and behavioural money control
– Say no to unnecessary expenses for next 2–3 years.
– Stop any lending to others, even family, until you are stable.
– Keep your partner informed before marriage. Transparency builds trust.
– Avoid guilt for brother’s mistakes. You are already helping beyond duty.
– Keep mental health strong. Money stress can harm decision-making.
– Small progress every month will build confidence.

» Long-term investment preparation
– Once debt pressure reduces, investments must start.
– Use mutual funds through MFD with CFP guidance for growth.
– Avoid direct funds. They do not provide guidance or handholding.
– Regular funds with CFP support give rebalancing, review, and tax optimisation.
– Active mutual funds beat market average over time with right selection.
– Index funds lack protection in falling markets. They follow market down fully.
– Active funds help handle risk better for long-term wealth creation.

» Retirement and future goals
– After clearing debt, save at least 25% of salary.
– Split into equity mutual funds, PPF, and small emergency fund.
– Review goals every year with a Certified Financial Planner.
– This ensures you stay on track even if income or expenses change.
– Keep gold or property for emotional needs only, not primary investments.
– Do not repeat high-risk family funding.
– Help only from surplus, never from core savings or loans.

» Professional support importance
– You have many moving parts: debt, marriage, family, and future.
– A Certified Financial Planner can create a debt repayment and savings path.
– They will help you with restructuring, negotiation, and asset allocation.
– This reduces pressure and increases clarity.
– You do not have to solve everything alone.

» Finally
– You are already on the right track by asking for guidance.
– You have income, willpower, and time. These three can fix this.
– First, secure essentials, then reduce debt pressure.
– Next, build small savings and emotional stability.
– Later, plan marriage within a budget you can handle.
– Finally, shift focus to long-term investments for wealth and retirement.
– With discipline, you can recover from this phase fully.
– Keep patience and steady action. Big problems need steady, small solutions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Latest Questions

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025

Ans: Welcome Sree.

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
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Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

See more questions »

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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