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Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 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 - May 25, 2024Hindi
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Money

am now 42 year old I don't have Any investment till now just started 4 month below I want to retire after 10 years but I want fund should reach atleast 2.50cr how much should I invest more and my below funds are ok to continue I can take risk canara Rabeco equity Hybrid fund regular plan growth 5000 month ICICI Prudential equity &Debt Fund growth. 11000 month Mirai Asset Emerging Bluechip fund Growth 2500 month Motilal Oswal Midcap fund regular growth 10000 month Nippon india Large cap fund Growth 10000 month Nippon India Small Cap fund Growth 15000 month Quant Active Fund growth 11000 month SBI Large & Midcap Fund regular growth 7500 month Tata digital India fund regular growth 6500 month Nippon multiCap 15000

Ans: Evaluating Your Investment Plan
You have started investing recently and aim to retire in 10 years with a corpus of Rs 2.50 crores. You are currently investing in several mutual funds. Let’s assess your current investment strategy and determine how much more you need to invest to achieve your goal.

Current Investment Contributions
Your current investments per month are as follows:

Canara Rabeco Equity Hybrid Fund: Rs 5,000
ICICI Prudential Equity & Debt Fund: Rs 11,000
Mirai Asset Emerging Bluechip Fund: Rs 2,500
Motilal Oswal Midcap Fund: Rs 10,000
Nippon India Large Cap Fund: Rs 10,000
Nippon India Small Cap Fund: Rs 15,000
Quant Active Fund: Rs 11,000
SBI Large & Midcap Fund: Rs 7,500
Tata Digital India Fund: Rs 6,500
Nippon MultiCap: Rs 15,000
Total Monthly Investment
Your total monthly investment is Rs 93,000.

Risk Tolerance and Investment Horizon
Given your risk tolerance and 10-year horizon, equity investments are suitable. However, it’s essential to have a balanced portfolio to mitigate risks.

Assessing Fund Choices
Hybrid Funds: These funds balance between equity and debt, reducing volatility. However, they might not provide the highest returns.

Equity & Debt Funds: These also balance risk and return but focus more on equity.

Large Cap Funds: These funds are less volatile and suitable for stable growth.

Mid Cap and Small Cap Funds: These have higher growth potential but are more volatile.

Digital India Fund: This sector-specific fund focuses on technology, which is high-risk but potentially high-reward.

MultiCap Funds: These funds diversify across large, mid, and small cap stocks, balancing risk and return.

Recommendation for Asset Allocation
Diversification: Ensure your investments are diversified across various sectors and market capitalizations.

Balance Risk: Balance your high-risk investments with safer, more stable options.

Regular Review: Regularly review and adjust your portfolio based on market conditions and performance.

Calculating Future Corpus
To reach Rs 2.50 crores in 10 years, you need an effective strategy. Assuming an average annual return of 12%, let’s calculate the required monthly investment.

Required Monthly Investment
Based on a 12% annual return, you might need to invest approximately Rs 1,00,000 to Rs 1,10,000 per month to reach your goal. This is an estimate and actual returns may vary.

Steps to Achieve Your Goal
Increase SIP Amount: Consider increasing your SIP contributions by Rs 7,000 to Rs 17,000 per month.

Review Fund Performance: Regularly review the performance of your funds. Replace underperforming funds with better options.

Consult a Certified Financial Planner: Periodic consultation with a CFP can help you stay on track.

Advantages of Actively Managed Funds
Professional Management: Actively managed funds benefit from professional fund managers’ expertise.

Market Opportunities: Fund managers can exploit market opportunities for higher returns.

Risk Management: Active funds often have strategies to manage and mitigate risks.

Disadvantages of Index Funds
Limited Returns: Index funds aim to match the market, not outperform it.

No Flexibility: They lack the flexibility to react to market changes quickly.

Benefits of Regular Funds via MFD with CFP Credential
Expert Advice: Regular funds offer access to expert advice and financial planning.

Better Performance: These funds often outperform direct funds due to professional management.

Comprehensive Planning: Investing through a CFP ensures a holistic approach to financial planning.

Conclusion
Your investment strategy is on the right track. With a few adjustments and increased contributions, you can achieve your retirement goal. Regular reviews and professional guidance will ensure you stay on course.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

Asked by Anonymous - May 25, 2024Hindi
Money
Hi Vivek am now 42 year old I don't have Any investment till now just started 4 month below I want to retire after 10 years but I want fund should reach atleast 2.50cr how much should I invest more and my below funds are ok to continue I can take risk canara Rabeco equity Hybrid fund regular plan growth 5000 month ICICI Prudential equity &Debt Fund growth. 11000 month Mirai Asset Emerging Bluechip fund Growth 2500 month Motilal Oswal Midcap fund regular growth 10000 month Nippon india Large cap fund Growth 10000 month Nippon India Small Cap fund Growth 15000 month Quant Active Fund growth 11000 month SBI Large & Midcap Fund regular growth 7500 month Tata digital India fund regular growth 6500 month Nippon multiCap 15000
Ans: Analyzing Your Current Investment Portfolio

You have taken the first steps toward a secure retirement by starting your investments. It’s commendable that you are willing to take risks for potentially higher returns. Your current portfolio comprises a mix of equity, hybrid, midcap, large cap, small cap, and multicap funds. This diversification is a good strategy, but let's see how you can optimize it further.

Current Investment Strategy

Your monthly investment in different funds totals Rs 94,000. Given your risk appetite, your portfolio’s focus on equity funds can help achieve higher returns. Each fund category serves a different purpose, from stability to growth, balancing risks and rewards.

Required Monthly Investment to Achieve Your Goal

To reach a target of Rs 2.50 crore in 10 years, considering an expected annual return of around 12%, you need to evaluate your current investment amount. While Rs 94,000 is a substantial contribution, a precise calculation with a financial tool would confirm if additional investment is necessary. Generally, with a higher equity exposure, achieving a 12% return over a decade is feasible.

Assessing and Optimizing Fund Allocation

Equity Hybrid Fund

These funds balance risk and return by investing in both equity and debt instruments. They provide stability in volatile markets, ensuring steady growth over time.

Equity & Debt Fund

Similar to hybrid funds, these offer a balanced approach, mitigating risks associated with pure equity funds. They are ideal for long-term goals, blending growth with safety.

Emerging Bluechip and Midcap Funds

These funds invest in companies with high growth potential. They are riskier but can offer substantial returns, suitable for aggressive investors like you.

Large Cap and Small Cap Funds

Large cap funds invest in well-established companies, offering stability and moderate returns. Small cap funds, though riskier, provide high growth potential. Combining both creates a balanced risk profile.

Multicap Fund

Multicap funds diversify across various market caps, balancing risk and returns effectively. They provide a mix of stability from large caps and growth from mid and small caps.

Sector Funds: Disadvantages

While sector funds, like the Digital India Fund in your portfolio, can offer high growth potential, they come with certain disadvantages:

High Risk: Sector funds are highly volatile as they depend on the performance of a specific sector. If the sector underperforms, the fund's value can decline significantly.

Lack of Diversification: These funds invest in a single sector, leading to concentrated risk. Unlike diversified funds, poor performance in the chosen sector can lead to substantial losses.

Market Timing: Successfully investing in sector funds requires precise market timing, which is challenging even for seasoned investors. Misjudging market trends can lead to poor investment outcomes.

Economic Cycles: Sector funds are highly sensitive to economic cycles. In a downturn, sector-specific investments can be hit hard, while diversified funds can better weather economic fluctuations.

Regulatory Risks: Sector funds are also subject to regulatory changes. For example, government policies affecting the IT sector can impact a Digital India Fund negatively.

Complementing Existing Investments

To further strengthen your portfolio, consider increasing investments in underrepresented sectors or categories. Ensure you review and adjust your portfolio periodically, aligning it with market conditions and personal financial goals.

Continuous Monitoring and Rebalancing

Investment strategies should evolve with market trends and personal circumstances. Regularly monitor fund performance and rebalance your portfolio annually. This ensures your investments remain aligned with your retirement goals.

Consulting with a Certified Financial Planner

Working with a Certified Financial Planner (CFP) can help optimize your investment strategy. They offer tailored advice, helping you navigate market fluctuations and adjust your portfolio accordingly.

Final Thoughts

Your proactive approach to securing your retirement is admirable. By maintaining a disciplined investment strategy and continuously optimizing your portfolio, achieving your Rs 2.50 crore goal is within reach. Stay committed and periodically review your investments for the best outcomes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

Asked by Anonymous - May 25, 2024Hindi
Listen
Money
am now 42 year old I don't have Any investment till now just started 4 month below I want to retire after 10 years but I want fund should reach atleast 2.50cr how much should I invest more and my below funds are ok to continue I can take risk canara Rabeco equity Hybrid fund regular plan growth 5000 month ICICI Prudential equity &Debt Fund growth. 11000 month Mirai Asset Emerging Bluechip fund Growth 2500 month Motilal Oswal Midcap fund regular growth 10000 month Nippon india Large cap fund Growth 10000 month Nippon India Small Cap fund Growth 15000 month Quant Active Fund growth 11000 month SBI Large & Midcap Fund regular growth 7500 month Tata digital India fund regular growth 6500 month Nippon multiCap 15000
Ans: Evaluating Your Investment Plan
You have started investing recently and aim to retire in 10 years with a corpus of Rs 2.50 crores. You are currently investing in several mutual funds. Let’s assess your current investment strategy and determine how much more you need to invest to achieve your goal.

Current Investment Contributions
Your current investments per month are as follows:

Canara Rabeco Equity Hybrid Fund: Rs 5,000
ICICI Prudential Equity & Debt Fund: Rs 11,000
Mirai Asset Emerging Bluechip Fund: Rs 2,500
Motilal Oswal Midcap Fund: Rs 10,000
Nippon India Large Cap Fund: Rs 10,000
Nippon India Small Cap Fund: Rs 15,000
Quant Active Fund: Rs 11,000
SBI Large & Midcap Fund: Rs 7,500
Tata Digital India Fund: Rs 6,500
Nippon MultiCap: Rs 15,000
Total Monthly Investment
Your total monthly investment is Rs 93,000.

Risk Tolerance and Investment Horizon
Given your risk tolerance and 10-year horizon, equity investments are suitable. However, it’s essential to have a balanced portfolio to mitigate risks.

Assessing Fund Choices
Hybrid Funds: These funds balance between equity and debt, reducing volatility. However, they might not provide the highest returns.

Equity & Debt Funds: These also balance risk and return but focus more on equity.

Large Cap Funds: These funds are less volatile and suitable for stable growth.

Mid Cap and Small Cap Funds: These have higher growth potential but are more volatile.

Digital India Fund: This sector-specific fund focuses on technology, which is high-risk but potentially high-reward.

MultiCap Funds: These funds diversify across large, mid, and small cap stocks, balancing risk and return.

Recommendation for Asset Allocation
Diversification: Ensure your investments are diversified across various sectors and market capitalizations.

Balance Risk: Balance your high-risk investments with safer, more stable options.

Regular Review: Regularly review and adjust your portfolio based on market conditions and performance.

Calculating Future Corpus
To reach Rs 2.50 crores in 10 years, you need an effective strategy. Assuming an average annual return of 12%, let’s calculate the required monthly investment.

Required Monthly Investment
Based on a 12% annual return, you might need to invest approximately Rs 1,00,000 to Rs 1,10,000 per month to reach your goal. This is an estimate and actual returns may vary.

Steps to Achieve Your Goal
Increase SIP Amount: Consider increasing your SIP contributions by Rs 7,000 to Rs 17,000 per month.

Review Fund Performance: Regularly review the performance of your funds. Replace underperforming funds with better options.

Consult a Certified Financial Planner: Periodic consultation with a CFP can help you stay on track.

Advantages of Actively Managed Funds
Professional Management: Actively managed funds benefit from professional fund managers’ expertise.

Market Opportunities: Fund managers can exploit market opportunities for higher returns.

Risk Management: Active funds often have strategies to manage and mitigate risks.

Disadvantages of Index Funds
Limited Returns: Index funds aim to match the market, not outperform it.

No Flexibility: They lack the flexibility to react to market changes quickly.

Benefits of Regular Funds via MFD with CFP Credential
Expert Advice: Regular funds offer access to expert advice and financial planning.

Better Performance: These funds often outperform direct funds due to professional management.

Comprehensive Planning: Investing through a CFP ensures a holistic approach to financial planning.

Conclusion
Your investment strategy is on the right track. With a few adjustments and increased contributions, you can achieve your retirement goal. Regular reviews and professional guidance will ensure you stay on course.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
I am 50 years old, how much proportion should I allocate in Debt and Equity mutual funds. I am investing in mutual funds only. My 43 L portfolio has 37 L equity and 6 Lak debt.
Ans: Balancing your portfolio between equity and debt is critical at this stage. A 50-year-old investor should aim for a safer portfolio while ensuring reasonable growth. Since you’re already investing in mutual funds, fine-tuning your allocation can optimise returns and reduce risk.

Let’s assess your portfolio in detail and identify actionable steps for an optimal balance.

Evaluating Your Current Portfolio
Your current allocation includes:

Rs 37 lakh in equity: Around 86% of your total portfolio.
Rs 6 lakh in debt: About 14% of your total portfolio.
This equity-heavy portfolio is suitable for younger investors. At 50, you may need to rebalance to reduce volatility while retaining growth.

Recommended Allocation Strategy
A general rule is the "100 minus age" approach. However, personal goals, risk tolerance, and financial stability should guide decisions. For a 50-year-old:

Equity: 50% to 60% of the portfolio. This ensures growth and combats inflation.
Debt: 40% to 50%. This ensures stability and predictable returns.
You can adjust within this range based on personal preferences and financial objectives.

Steps to Rebalance Your Portfolio
To align your portfolio, consider these steps:

Gradually reduce equity exposure: Shift some equity investments to debt. Do this systematically over months to avoid timing risks.
Increase debt mutual funds allocation: Consider short-duration or dynamic bond funds for liquidity and moderate returns.
Use hybrid mutual funds: Balanced advantage funds can offer a mix of equity and debt with automatic rebalancing.
Why a Balanced Allocation Is Crucial
Equity: This provides growth potential to counter inflation. It supports long-term financial goals like retirement planning.
Debt: This offers stability and acts as a buffer against market downturns. It ensures liquidity for unexpected expenses.
Avoid Over-Exposure to Equity
While equity delivers higher returns, excessive exposure can increase portfolio risk. A balanced allocation shields you during market corrections.

Advantages of Actively Managed Funds
Actively managed funds can outperform the market due to professional expertise. They adjust portfolios based on market trends and opportunities.

Disadvantages of Index Funds:

They lack active monitoring during volatile periods.
They mimic the index, limiting scope for higher returns.
Their fixed composition may underperform in certain market cycles.
For long-term growth, actively managed funds offer better risk-adjusted returns.

Benefits of Regular Funds Over Direct Funds
Guidance: Regular funds come with expert advice from an MFD with a Certified Financial Planner (CFP) credential.
Portfolio Monitoring: They help align your investments with changing market conditions.
Support: MFDs can guide in tax planning and rebalancing.
Direct funds, while cheaper, may lead to uninformed decisions and missed opportunities.

Tax Efficiency in Your Portfolio
Understanding new mutual fund taxation rules is essential:

Equity funds: LTCG above Rs 1.25 lakh is taxed at 12.5%. STCG is taxed at 20%.
Debt funds: Gains are taxed as per your income slab.
Consider tax implications before rebalancing to avoid unnecessary liabilities.

Maintaining Liquidity
At this stage, maintaining a portion of your portfolio in liquid funds is prudent. It helps meet short-term goals or emergencies without disturbing long-term investments.

Aligning with Retirement Goals
Your portfolio should focus on generating a steady post-retirement income. Here’s how:

Allocate more to debt as you approach retirement.
Use SWP (Systematic Withdrawal Plan) for regular income during retirement.
Retain a small equity portion to combat inflation even post-retirement.
Creating a Contingency Fund
Set aside a separate fund equivalent to 6-12 months of expenses. Use liquid or ultra-short-term debt funds for this.

Monitoring and Reviewing Your Portfolio
Review your portfolio every 6 months.
Rebalance based on market conditions and life changes.
Consult a Certified Financial Planner for adjustments aligned with your goals.
Avoid Common Investment Pitfalls
Chasing high returns: Avoid concentrating on high-risk funds at this stage.
Over-diversification: Stick to a manageable number of funds to track performance easily.
Ignoring inflation: Ensure your portfolio grows faster than inflation rates.
Building a Long-Term Perspective
Focus on wealth preservation alongside growth.
Maintain discipline in investing. Avoid reacting impulsively to market fluctuations.
Stay informed about economic and market trends affecting mutual fund performance.
Final Insights
Balancing equity and debt is essential for stability and growth in your portfolio. A 50%-60% equity and 40%-50% debt allocation aligns with your age and goals. Active management and regular reviews will help optimise returns and minimise risks.

Transitioning gradually ensures minimal disruption to your portfolio’s growth. Focus on creating a robust strategy to secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2024

Money
One time investment in mutual fund in which fund
Ans: To decide on a one-time investment, understanding your financial goals is vital. Knowing the purpose of your investment ensures better alignment with your expectations. Your goals could be wealth creation, retirement planning, or funding a specific future expense like a child's education or marriage.

Assessing Risk Tolerance
Before choosing any investment, assess your risk tolerance. High-risk options offer better returns but can fluctuate more. If you are a conservative investor, you might prefer stability over high returns. Moderately aggressive investors balance growth and risk well.

Benefits of Actively Managed Mutual Funds
Actively managed mutual funds are an excellent choice for one-time investments. Professional fund managers make critical investment decisions based on market conditions. These funds can outperform market indices over the long term due to their strategic asset allocation.

They adapt well to market dynamics, offering higher growth potential than passive funds. Investors benefit from expertise and insights that help mitigate risks during market downturns.

Disadvantages of Index Funds
Index funds simply track market indices and lack active management. They offer no scope for market-beating returns. While their fees are lower, this comes at the cost of performance. In actively managed funds, expert decision-making can lead to better results.

Investors relying solely on index funds may miss opportunities to earn superior returns. Active funds also better suit those aiming for long-term wealth accumulation with reduced volatility.

The Issue with Direct Funds
Direct funds may have lower costs but require greater knowledge and time. Without professional advice, managing such investments can be overwhelming. Regular funds, managed through Certified Financial Planners, ensure guidance tailored to your needs.

A Certified Financial Planner monitors your portfolio’s performance, suggesting timely corrections. This professional approach ensures that your investment aligns with your financial goals efficiently.

Choosing the Right Mutual Fund Category
Select funds based on your investment horizon and risk appetite. Equity mutual funds work well for long-term goals as they provide higher growth potential. However, they carry higher volatility and are suitable only for investors with a longer time horizon.

For medium-term goals, balanced or hybrid funds are better suited. These combine equity and debt to balance risk and returns. Short-term goals are better addressed with debt funds, offering lower returns with minimal risk.

Importance of Diversification
Diversifying your investment reduces the risk of losses. It spreads your money across various sectors, ensuring market fluctuations impact your investment less. Avoid investing all funds in a single category, ensuring a mix of equity, debt, and hybrid funds.

Taxation Rules for Mutual Funds
Understand the tax implications before investing. For equity funds, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains are taxed at 20%. For debt funds, all gains are taxed as per your income tax slab.

Consider tax-saving options if your goal aligns with reducing tax liabilities. While tax efficiency matters, it should not override your primary objective of wealth creation.

Importance of Lump Sum Timing
Market timing matters for one-time investments. Investing during a market correction or when valuations are reasonable ensures better growth. A Certified Financial Planner can guide you to enter the market at the right time for better results.

Monitoring and Reviewing Your Investment
A one-time investment is not set and forget. Regular reviews ensure the investment aligns with your goals. Markets evolve, and so should your portfolio. Make changes as required with the guidance of a professional.

The Role of Emergency Funds
Ensure you have an adequate emergency fund before making a one-time investment. This fund covers unforeseen expenses, preventing you from withdrawing long-term investments prematurely. Keep at least 6-12 months' expenses aside for emergencies.

Setting Realistic Expectations
Investments are subject to market risks, and returns are not guaranteed. Patience and a long-term approach yield better results. Understand the product before investing, ensuring it meets your expectations and financial objectives.

Final Insights
A one-time mutual fund investment can help achieve your financial goals effectively. However, aligning this investment with your risk tolerance and objectives is key. Actively managed funds, combined with professional advice, offer the best value for your money.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Anu

Anu Krishna  |1328 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 25, 2024

Asked by Anonymous - Nov 21, 2024Hindi
Listen
Relationship
I 25M) have been in a Long Distance Emotional Relationship with a College Friend (25F) whom I'd known since more than 3 years. Although, neither of us has explicitly confessed to each other, but we both seemed to have strong Feelings for each other. We both have shared a lot of personal matters about ourselves, with each other (which are unknown to even some of our Closest Friends). We both share similar Values & Outlook towards various aspects of Life (including our Long Term Career Goals). We both used to chat on WhatsApp almost everyday, sharing our experiences, opinions, knowledge etc. I used to Flirt with her by writing Romantic Poetry for her, once she'd also confessed that she's falling for me. But what has stopped us both from proposing Love to one another is the difference in our Family Background (I'm from a Telugu Speaking Hindu Brahmin Family & she's from a Malayali Catholic Christian Family, but we both studied together from a College in Gujarat). As of now, we both are in different States Studying/Working in different fields. But both of us have been preparing for UPSC, which is our ultimate Career Goal & we also used to discuss the Subject matter & Preparation Plans, helping out each other. Presently, the Problem is that She seems to have Ghosted me (since a Month) citing a silly reason that her Phone got Damaged (she'd said something like this even in 2021), but I see her active on various Social Media Platforms, regularly. I have tried reaching out to her through all the Social Media Platforms & have even called her up, but there's no Response at all, from her side. I am not able to understand why she has Ghosted me like this, atleast she could have honestly told me the actual Reason. Sometimes, I feel guilty that I must have been a distraction to her Studies. But I have very strong Feelings for her, which I'd never felt for any other Girl & I believe that we can have a Future together. We both could continue complementing each other in the course of UPSC Preparation & acting as each other's motivation & emotional support (as seen in the Movie "12th Fail"). And if we both successfully clear UPSC together, we could try to convince our Parents for Marriage (these are not just my Fantasies, even she had indirectly expressed her interest in sharing her Future Life with me). Now, I don't understand what to do? How to reach out to her & sort out things between us? If not reconciliation, I believe that I deserve atleast a definite closure with Honest communication. Though, I am going along with my UPSC Preparation, every now & then, I can't Help thinking of her, I'm feeling Lonely, her Emotional & Intellectual Company would be a great Help in the course of my Preparation. She's always been a Positive Motivation not a Distraction in my Career Path. Please advise me, how do I get back at her, presently, she's working in a different State, so reaching out to meet her in person is not feasible & I have unsuccessfully tried out all other means of Communication. What should I do now? I want to hear from her again, I'd feel satisfied even if she breaks it up with me, honestly stating the Reason. I am feeling restless due to this Uncertainty. Should I persistently keep trying to reach out to her, through different means, without giving up on her, until she Responds, Hoping that she'd appreciate my consistent efforts & reconsider the Relationship with me? Or would you advise any other approach, which is better, according to you?
Ans: Dear Anonymous,
You really need to STOP putting yourself through this.
The reason for your restless state is the dependency that you have been having on her, chats with her, the emotional base with her knowing well enough that there has been no prior agreement on commitment in this relationship. But that's the way the heart is, no?
So, there has been freedom with both of you to go away when you please, to see other people etc...

You have possibly been more into this connection that she has been into it and this has led to expectations from your end.
Go silent and maybe this will give her an idea of missing you if she truly has feelings for you. When you do this, you give yourself some breathing space as well on things that need your focus and also will also reveal if she really wants you as a part of her life. This space is difficult but really important.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

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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