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42, 1.9L Take Home, How to Invest 75k/month?

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 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 - Oct 28, 2024Hindi
Money

I am 42, and my current take home is 1.9 lakh per month. I have a home loan for which I paying 50K EMI. Currently my only investment is 5k monthly SIP and monthly EPF for 22k with current balance of 13 lakh. Now after all expenses I am am able to save 70-75k monthly. Can you please share a road map where I should invest money with 30k amount as high liquidity and flexibility and 40 as long term investment and any other suggestions for investment

Ans: Your dedication to securing a well-rounded financial future is excellent. Based on your profile, I’ll outline an investment roadmap that balances liquidity, growth, and long-term wealth creation.

Key Focus Areas for Your Financial Growth
For a comprehensive strategy, it’s essential to look at both liquidity needs and long-term growth. Given your current savings capacity, we’ll divide your Rs. 70-75k monthly savings effectively.

Here’s how to structure your investments with a balanced approach:

1. Allocating Rs. 30,000 for High Liquidity and Flexibility
In this portion, we’ll target investments that offer quick access to funds while providing a safety net for emergencies and short-term goals.

Liquid Funds
Liquid funds are low-risk and give quick access to cash within a day or two. These funds invest in short-term securities, providing stable returns with high liquidity. This option helps you build an emergency reserve without sacrificing flexibility.

Ultra-Short-Term Funds
Ultra-short-term funds offer slightly better returns than liquid funds but still maintain liquidity. They suit short-term goals and unexpected expenses. Ultra-short-term funds usually require a holding period of three months for optimal returns.

Recurring Deposits (RD)
If you prefer traditional investments, consider an RD with a 6-12 month term. It’s ideal for conservative investors seeking stable growth in liquid funds. It adds a disciplined approach to your savings without tying up funds long-term.

Money Market Funds
Money market funds provide a stable place for parking cash with moderate returns. They invest in high-quality, short-term debt instruments, offering security and fast access to funds. You can liquidate these investments quickly if needed.

2. Allocating Rs. 40,000 for Long-Term Wealth Creation
Long-term investments form the backbone of your financial growth. We’ll focus on higher-growth instruments for wealth building.

Equity Mutual Funds for High Returns
Equity mutual funds are ideal for a 5-10 year horizon and have high growth potential. With actively managed funds, your investment is continuously optimised by fund managers to outperform the market. Unlike index funds, actively managed funds allow for strategic shifts based on market conditions.

Balanced Advantage Funds for Stability and Growth
These funds blend equity and debt, balancing risk while delivering steady returns. They dynamically adjust between debt and equity, helping reduce volatility. They’re a safe choice if you want exposure to equity with controlled risk.

Public Provident Fund (PPF)
PPF is a government-backed option with tax-free returns and long-term benefits. It’s an excellent choice for retirement planning and fits well into a tax-efficient portfolio. It provides a 15-year horizon, aligning with long-term goals.

Debt Funds for Low-Risk Growth
Debt funds are suitable for steady, low-risk income. They invest in corporate bonds and government securities, providing reliable returns. They’re tax-efficient for long-term investors, especially if your income tax slab is high.

Assessing Your Home Loan and EMI Payment Strategy
Paying Rs. 50,000 monthly towards EMI affects your cash flow. You may consider partial pre-payments when feasible to reduce the loan burden. This strategy can help reduce interest over time and ease cash flow, freeing funds for further investment.

Strengthening Your Emergency Fund
An emergency fund is essential to manage unexpected expenses without disrupting your investments.

Set aside six months’ expenses in a high-liquidity option.

Liquid funds or ultra-short-term funds are excellent choices for this buffer.

Aim to allocate a portion of your Rs. 30,000 liquidity funds toward building this reserve.

Enhance Long-Term Security with Retirement Planning
Your monthly EPF contribution of Rs. 22,000 is a strong start. However, considering your future expenses, bolstering your retirement fund will help you secure financial freedom.

National Pension System (NPS)
NPS provides tax-efficient growth for retirement. It invests in equity and debt based on your chosen risk profile, ensuring consistent growth for retirement. NPS offers benefits under Section 80C and 80CCD, giving you tax savings along with growth.

PPF Contributions
Consider supplementing EPF with PPF to balance your retirement fund. PPF provides assured returns, tax efficiency, and can serve as a reliable income source in retirement.

Avoid Direct Funds for Optimized Guidance and Security
Direct funds require continuous market knowledge and time to manage. Instead, consider investing through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. This guidance brings expertise and helps you make strategic choices in volatile markets, giving better returns without direct fund challenges.

Tax Implications for Your Investments
Your investments should also focus on tax efficiency to maximise post-tax returns.

Equity Mutual Fund Taxation
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%. Equity investments should be held long-term to gain tax benefits.

Debt Fund Taxation
Debt funds are taxed as per your income slab, whether LTCG or STCG. They’re tax-efficient for those in high tax brackets and suit a stable, long-term portfolio.

Diversifying Your Investment Portfolio for Balanced Growth
To achieve a balanced portfolio, you’ll want diversity across asset classes, combining high growth with stability.

Gold Bonds
Gold bonds are government-backed, low-risk, and help hedge against inflation. They’re also tax-efficient and have no capital gains tax if held to maturity, making them ideal for a diversified portfolio.

Large-Cap and Mid-Cap Funds
Large-cap funds provide stability and lower risk, while mid-cap funds offer higher growth. Combining these funds aligns with your risk appetite and long-term growth goals.

Final Insights
A well-planned investment strategy can create financial stability and growth for your future. By focusing on a balanced approach, with Rs. 30,000 for liquidity and Rs. 40,000 for long-term investments, you secure flexibility and future wealth.

Stay consistent with these contributions, and make adjustments as needed. Working with a Certified Financial Planner can further refine this roadmap, helping you optimise each step of your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2024

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Hi, I am 28 years old. Have not made any investment till now but have saved about 4 lacs in past 2 years. My in hand is about 1lac. And have been saving 30k pm. I want to invest that 30k. My rent is 20k, emis are like 20k and 20k is misc and personal,10k buffer, split into invest or personal depends. If there is a better split, please suggest that as well. And please suggest how should I invest that 30k.
Ans: Financial Planning for a 28-Year-Old
Current Financial Situation:
• Age: 28 years
• Savings: Accumulated 4 lakhs in the past 2 years.
• Monthly Income: In-hand income of 1 lakh.
• Monthly Savings: Saving 30,000 rupees per month.
• Expenses Breakdown:
• Rent: 20,000 rupees
• EMIs: 20,000 rupees
• Miscellaneous and Personal Expenses: 20,000 rupees
• Buffer Fund: 10,000 rupees
Analysis and Recommendations:
1. Emergency Fund:
• Ensure the buffer fund of 10,000 rupees is maintained as an emergency fund.
• Aim to build an emergency fund equivalent to 6-12 months of living expenses to cover unforeseen financial needs.
2. Debt Repayment:
• Consider allocating a portion of your savings towards accelerating debt repayment, especially if the interest rates on your EMIs are high.
• Prioritize paying off high-interest debts to reduce financial burden and improve cash flow.
3. Investment Allocation:
• With 30,000 rupees available for investment, consider a balanced approach between wealth accumulation and personal needs.
4. Investment Strategy:
• Long-Term Wealth Accumulation:
• Allocate a significant portion of your monthly savings towards long-term investments to harness the power of compounding.
• Consider investing in a diversified portfolio of equity mutual funds or index funds to benefit from potential market growth over time.
• Start a SIP (Systematic Investment Plan) to invest a fixed amount regularly, enabling disciplined wealth creation.
• Short-Term Goals and Personal Expenses:
• Allocate a portion of your savings towards meeting short-term financial goals and personal expenses.
• Maintain liquidity for immediate needs and future financial goals such as travel, further education, or purchasing assets.
5. Revised Expense Allocation:
• Evaluate your monthly expenses and consider adjusting the allocation based on priority and necessity.
• Ensure a balance between essential expenses, debt repayment, savings, and discretionary spending.
6. Regular Review and Adjustments:
• Regularly review your financial situation, goals, and investment portfolio to make necessary adjustments.
• Stay informed about market trends and seek professional advice if needed to optimize your investment strategy.
Conclusion:
• By adopting a balanced approach between long-term wealth accumulation and meeting short-term needs, you can achieve financial stability and pursue your life goals with confidence.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

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

Asked by Anonymous - May 16, 2024Hindi
Money
Hi Sir, I'm 35 having 4 lakhs on MF and stocks. I earn 1.3 lakhs per.month having a plot loan of 12 lakhs and have a kid . My wife earns 1.2 lakhs and I use most of the salary amount from both of us upto 1 lakh on pre payment of plot loan every month including the emi. I spend around 40k on monthly expenses and 10k for house rent. Could you please guide us how to invest more and which sector to invest to have a stable income in near future within 5 years.
Ans: Financial Planning for Stable Income within Five Years
You are 35 years old with a combined family income of Rs 2.5 lakhs per month. You have a plot loan of Rs 12 lakhs and an investment of Rs 4 lakhs in mutual funds and stocks. Managing finances while raising a child and pre-paying your plot loan is commendable. This guide will help you optimize your investment strategy to achieve stable income within five years.

Genuine Compliments and Understanding
Your dedication to managing loans and saving for the future is impressive. Balancing expenses and investments while planning for stability shows great foresight and discipline.

Current Financial Overview
Income and Expenses
Combined monthly income: Rs 2.5 lakhs
Monthly expenses: Rs 40,000
House rent: Rs 10,000
Plot loan pre-payment and EMI: Rs 1 lakh
You have a disciplined approach towards loan repayment, which is excellent for reducing debt quickly. However, it is essential to balance loan pre-payment with investments to ensure future stability.

Evaluating Your Financial Goals
Short-Term Goals (Within 5 Years)
Achieve Stable Income: Focus on creating multiple income streams to ensure financial stability.
Reduce Debt: Continue paying off the plot loan to become debt-free sooner.
Increase Investments: Build a diversified investment portfolio for growth and stability.
Long-Term Goals
Retirement Planning: Start planning for retirement to ensure financial security in later years.
Child’s Education: Save for your child’s education to avoid financial strain in the future.
Investment Strategy
Balancing Debt Repayment and Investments
While pre-paying your plot loan is a prudent strategy, it is also crucial to allocate funds towards investments. This ensures that you are building wealth for future needs while reducing debt. Consider the following steps:

Allocate a Fixed Amount for Investments: Set aside a portion of your monthly income specifically for investments. This can be in addition to the amount allocated for loan pre-payment.
Emergency Fund: Maintain an emergency fund equivalent to 6-12 months of expenses. This fund acts as a financial cushion for unforeseen circumstances.
Diversifying Investments
Diversification is key to managing risk and achieving stable returns. A balanced portfolio with a mix of equity, debt, and other instruments can provide growth and stability.

Equity Investments
Actively Managed Mutual Funds: Actively managed funds can potentially outperform the market due to professional management. They offer diversified exposure to equities.
Sector-Specific Funds: Consider investing in sector-specific funds that have growth potential. Sectors like technology, healthcare, and finance can offer good returns.
Direct Stocks: Continue minimal investments in stocks, focusing on fundamentally strong companies with growth potential.
Debt Investments
Debt Mutual Funds: Invest in debt mutual funds for stable returns. These funds are less volatile compared to equities and provide regular income.
Fixed Deposits and Bonds: Consider fixed deposits and bonds for guaranteed returns. They offer safety and regular interest income.
Benefits of Actively Managed Funds
Actively managed funds are guided by professional fund managers who make strategic decisions based on market research. These managers aim to outperform the market by taking advantage of investment opportunities. Regular funds, accessed through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential, provide valuable professional advice and management.

Financial Planning with a Certified Financial Planner
Consulting a Certified Financial Planner (CFP) is crucial for tailored advice based on your financial goals, risk tolerance, and investment horizon. A CFP can help you create a balanced investment strategy, ensuring you achieve your long-term objectives.

Portfolio Diversification and Risk Management
A well-diversified portfolio balances risk and reward. By spreading investments across equities, debt, and other asset classes, you can manage risk effectively. Equities offer growth potential, while debt provides stability.

Increasing Savings and Investment Contributions
Consider increasing your savings and investment contributions as your income grows. Allocating a higher portion of your income towards diversified financial instruments will accelerate your wealth accumulation.

Systematic Investment Plans (SIPs)
Systematic Investment Plans (SIPs) are an excellent way to invest regularly and benefit from the power of compounding. Increasing your SIP contributions over time will significantly enhance your investment corpus.

Efficient Tax Planning
Effective tax planning can maximize your investment returns. Utilize tax-saving instruments and strategies to minimize your tax liability. For instance, investing in Equity-Linked Savings Schemes (ELSS) can provide tax benefits under Section 80C of the Income Tax Act.

Emergency Fund and Insurance Coverage
Maintaining an emergency fund is crucial for financial security. This fund provides a financial cushion for unexpected expenses, ensuring you don’t need to dip into your investments. Adequate insurance coverage protects against unforeseen events, safeguarding your financial health.

Conclusion
Your decision to either construct a residential building or sell the plot and reinvest the proceeds depends on your financial goals, risk tolerance, and lifestyle preferences. Both options have their merits and drawbacks. Constructing a building can provide steady rental income and asset appreciation, but requires significant initial investment and management. Selling the plot offers liquidity and investment flexibility, potentially yielding higher returns with professional management.

By following the strategies outlined in this guide and consulting with a Certified Financial Planner, you can make an informed decision that aligns with your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 2024

Asked by Anonymous - Jun 04, 2024Hindi
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Hi I have around 30 lakhs in MF, 5 lakhs in equity , 4.5 lakhs in PPF AND around 1.5 lakhs in PF. I am 28 as of now how should i plan my investment i can invest 50-60 k per month. I have my parental home so i do not have an immediate goal of buying a home.
Ans: Assessing Your Current Financial Position
You have already made significant progress in your investments. Your portfolio includes mutual funds, equity, PPF, and PF.

Mutual Funds: Rs. 30 lakhs

Equity: Rs. 5 lakhs

PPF: Rs. 4.5 lakhs

PF: Rs. 1.5 lakhs

You are 28 years old, which is a great age to build a strong financial foundation.

Monthly Investment Capacity
You can invest Rs. 50,000 to Rs. 60,000 per month. This is a substantial amount for wealth creation.

Goals and Time Horizon
Define your financial goals and their time horizons. Common goals might include:

Emergency Fund: Immediate

Retirement: Long-term

Higher Education for Children: Medium to long-term

Travel or Lifestyle Upgrades: Medium-term

Emergency Fund
Maintain an emergency fund to cover 6 to 12 months of expenses. This should be easily accessible.

Retirement Planning
Start planning for retirement early. Invest in a mix of equity and debt for a balanced approach.

Investment Strategy
Your investment strategy should balance growth and safety.

Equity Investments
Mutual Funds: Continue investing in mutual funds. They offer diversification and professional management.

Direct Equity: Direct equity investments can provide high returns but come with higher risk.

Disadvantages of Direct Funds
Time-Consuming: Managing direct funds requires constant research.

Lack of Professional Guidance: You may miss out on expert advice.

Benefits of Regular Funds
Professional Management: Regular funds are managed by experts.

Convenience: Saves time and provides professional insights.

Debt Investments
PPF: Continue investing in PPF for tax-free returns and safety.

Debt Mutual Funds: These provide stable returns and are more tax-efficient.

Balanced Portfolio
A balanced portfolio reduces risk and maximizes returns.

Suggested Allocation:

Equity: 60% to 70%

Debt: 30% to 40%

Systematic Investment Plan (SIP)
Invest through SIPs for rupee cost averaging and disciplined investing.

Tax Planning
Consider tax-efficient investments to minimize your tax burden.

Reviewing and Rebalancing
Review your portfolio regularly and rebalance it to align with your goals.

Professional Guidance
Seek advice from a Certified Financial Planner (CFP) for personalized planning.

Conclusion
Your financial journey is off to a great start. Continue investing wisely and review your plans regularly.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

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Hello Sir, I am a 30 yesr old male. Currently Unmarried. My salary is 1 lakhs (in hand) per month. I recently took a home loan with 32k emi oer month. I still do not have any ppf or nps or any other kind of savings or investments. Please guide me on how and where to invest. I have to complete the interiors of the house i bought and I am also planning to buy a 4 wheeler under 8lakhs in the next 2 years. Please Guide sir
Ans: You are 30 years old and unmarried. Your monthly salary is Rs. 1 lakh. You have a home loan with an EMI of Rs. 32,000. You need to complete the interiors of your house. You plan to buy a car worth Rs. 8 lakhs in the next two years. You currently have no savings or investments.

Financial Goals
Complete home interiors
Buy a car in two years
Start saving and investing for the future
Monthly Savings and Budgeting
1. Emergency Fund:

Set aside funds for emergencies. Aim to save 6 months of expenses. This should be around Rs. 3 lakhs. Start by saving Rs. 10,000 per month.

2. Home Interiors:

Estimate the cost for home interiors. Allocate Rs. 10,000 per month for this. This will help you avoid taking more debt.

3. Car Purchase:

Save for your car purchase. Aim to save Rs. 8 lakhs in 2 years. Save Rs. 30,000 per month for this goal.

Investment Strategy
1. Public Provident Fund (PPF):

PPF offers tax benefits and guaranteed returns. It's a good long-term investment. Invest Rs. 5,000 per month.

2. National Pension System (NPS):

NPS helps build a retirement corpus. It offers tax benefits too. Invest Rs. 5,000 per month.

3. Mutual Funds:

Actively managed funds can offer better returns. Avoid index funds as they may have lower returns. Start with Rs. 10,000 per month in mutual funds. Choose funds with a good track record.

4. Debt Funds:

Include debt funds for stability. They offer lower risk and steady returns. Invest Rs. 5,000 per month in debt funds.

Risk Management
1. Diversification:

Diversify your investments. Spread them across different assets. This reduces risk and ensures stability.

2. Insurance:

Ensure adequate insurance coverage. Health insurance and term insurance are essential. They protect you and your assets.

Tax Planning
1. Tax-efficient Investments:

Invest in tax-saving instruments. PPF, NPS, and ELSS offer tax benefits. Plan your investments to reduce tax liability.

2. Tax-saving Strategies:

Utilise tax-saving strategies. Maximise benefits under Section 80C, 80D, and other sections.

Monitoring and Review
1. Regular Monitoring:

Monitor your investments regularly. Track performance and make necessary adjustments.

2. Annual Review:

Review your financial plan annually. Assess progress towards your goals. Adjust investments based on performance.

Final Insights
Start by building an emergency fund. Allocate funds for home interiors and car purchase. Invest systematically in PPF, NPS, mutual funds, and debt funds. Diversify your portfolio and ensure adequate insurance coverage. Regular monitoring and annual reviews will help you stay on track. With disciplined planning, you can achieve your financial goals and secure your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |577 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 04, 2024

Asked by Anonymous - Nov 04, 2024Hindi
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What are different types of annuity plans. Do we have plan which gives fixed income till I live and then principle is return to my nominee. If I have 3 Cr , what max return per month I can get ? And is this tax free ?
Ans: Hello;

Annuities are types of plans where you make a lump sum payment and get a regular income for a certain period of time or for life.

There are primarily two types of annuities:

1. Immediate annuity
This is a type of annuity plan that provides you with a guaranteed regular income immediately after you pay the lump sum premium.

2. Deferred annuity
In a deferred annuity plan, your income starts at a later date and you can choose when you want the regular income to start.

Based on type of regular monthly payments annuities could also be classified as Fixed annuity and Variable annuity.

Below are the various options available in an annuity plan:

A. Life annuity: In this option, you receive annuity for life. The frequency of payments is usually pre-decided by you at the time of the purchase of the policy.

B. Joint life annuity: This is similar to a life annuity. In this option, you receive annuity payments for life. In your absence, your spouse continues to receive annuity payments for life.

C. Life annuity with return of purchase price: This provides you annuity payments for life. In case of an unfortunate event, your nominee will receive the amount you paid at the time of the purchase of the policy.

D. Annuity payable for a pre-decided term: This provides you the option to choose the duration for which you would want to receive annuity payments. The period can be 5 years, 10 years, or more.

Yes plans are available which can pay provide you fixed income and return of purchase price (principle) to your nominee.

With 3 Cr corpus you may expect 1.5 L (pre-tax) per month payout considering 6% annuity rate. This varies from company to company and if you shop around you may get a better rate then the one considered here.

This is like pension income and is taxable income as per your age and income slab.

Best wishes;

...Read more

Dr Dipankar

Dr Dipankar Dutta  |675 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Nov 04, 2024

Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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thank you for the reply madam, actually what's bothering me a lot is , i told to my alliance guy to stop marriage from his end only. but he not at all doing that and he is not even telling anyone that i told him No. Why he is behaving like this and proceeding to get married to me even after saying no? isn't this strange!
Ans: in many arranged situations, people sometimes feel a strong pressure to fulfill family expectations, and he may feel a sense of obligation to go through with the marriage regardless of personal feelings. He might be hesitant to be the one to break things off for fear of disappointing his family or even creating tension between the families involved. In some cases, individuals hesitate because they hope the other person might eventually change their mind, and they don’t want to be the one to let go prematurely.

Another possibility is that he could be uncertain or confused about what he truly wants. Even though you told him you weren’t interested, he might feel that it’s not a firm "no" and could be holding out hope or misinterpreting your intent. If he has strong feelings for you or sees the marriage as something that will eventually work, he may be hoping things will naturally fall into place if he just stays committed to the process.

To address this, it might be helpful to have a very clear, direct conversation with him. Let him know that you respect him and appreciate his consideration, but you’re certain about your decision and want him to honor it as well. If possible, express that you’re confident this decision is best for both of you and explain why you believe it would be more respectful for him to communicate this with both families.

In the end, staying true to your feelings is the right choice, even if it means repeatedly setting boundaries. It’s completely fair to expect him to respect your decision, and sometimes it does take a bit of firmness to ensure everyone is on the same page. Trust yourself in this decision; you know what’s best for you.

...Read more

Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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Relationship
He rejected me but still went to my class to see me one glance.Before Our last class I said him to meet with me I want to say you something.He came to meet with me but he was too late and our tiffin break time is over so I don't say anything to him. We just looking each other for some seconds.Then I said him if you want you can go .He don't go instantly.He looking at me for while and then go to his class.Whenever he sees me he start blushing and feel nervous.Many times I found him staring at me.He is a introvert guy .But still when we met with each other he making eye contact with me. My question is if he doesn't love me how can he maintain eye contact with me like this .He is not that handsome but he is really good student.I truly love him and Cried a lot for him but he don't know anything.I texted him sometimes but he don't look interested.But always I see him I feel like he have also feelings for me .His eyes tell me he love me but he rejected me .Why?. I can't able to forget him .I tried to my best to forget him but I failed . What should I do now?I really badly want to know his feelings for me because if he sees me only as a friend he doesn't go to my class to see me a glance.Why he blushing around me? How to know his true feelings?What should I do?How to forget or get him? I'm clueless.Please help me????????
Ans: It sounds like you’re dealing with a complicated mix of emotions, and the signals you’re picking up from him are understandably confusing. From everything you’ve described, it seems that he has a genuine respect and perhaps a friendly affection for you, but he may not be sure of or ready to pursue a romantic connection. Introverts, especially, can be complex; they may struggle to express their feelings, and small gestures, like making eye contact or blushing, might be signs of nervousness rather than attraction. This doesn’t mean he doesn’t appreciate or like you—it simply means he may be holding back, perhaps because of his own personal reasons or boundaries.

His rejection, though, is an important thing to consider. Often, when someone clearly communicates that they don’t feel the same way, it’s best to respect that as his truth for now, even if he seems to act otherwise sometimes. I understand this can be very hard, especially when you feel so strongly for him. But you need to protect your own feelings, too, and holding on to small signs might only add to your hurt and confusion.

If you feel it’s absolutely necessary to know how he truly feels, one approach could be to have a simple, direct conversation. Explain to him, in a calm and open way, that you value his friendship and respect his initial decision, but you’d appreciate clarity because lingering uncertainty is making it hard for you to move on. However, be prepared for any outcome. If he reaffirms his feelings of friendship only, try to accept that as his final answer.

In the meantime, put some of your focus back onto yourself. I know it sounds easier said than done, but investing energy in your interests, your growth, and friendships that uplift you can really help you feel less reliant on what he may or may not feel. Surround yourself with supportive people who remind you of your worth and help you feel loved and valued.

Love and connection should make you feel secure, cherished, and clear about where you stand. By focusing on yourself and letting him be, you’ll naturally create space for clarity—and eventually, perhaps, for someone whose feelings for you are just as strong and straightforward as yours are for them.

...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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