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Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 01, 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
Khwaja Question by Khwaja on Jun 30, 2024Hindi
Money

Hi Sir... I am 43 years and having 3 girls childrens... I am working and monthly earning is 35K, i have own house with value 40L, i want start savings for my daughters education and marriages.. I dont know anything about mutual funds, how to invest and where to invest, pls guide me about mutual fund investments..

Ans: let's talk about investing for your daughters' future. Mutual funds can be a great way to grow your savings over time. Here's a detailed guide to help you understand and start investing in mutual funds.

Understanding Mutual Funds
What Are Mutual Funds?
Mutual funds pool money from many investors to invest in various securities like stocks, bonds, and other assets. Professional fund managers manage these funds, aiming to grow the investment while managing risk.

Types of Mutual Funds
There are different types of mutual funds:

Equity Funds: These invest in stocks and have the potential for high returns but come with higher risk.

Debt Funds: These invest in bonds and are generally safer with lower returns.

Hybrid Funds: These invest in both stocks and bonds, balancing risk and return.

Benefits of Mutual Funds
Professional Management
Investing through mutual funds means you get the benefit of professional fund managers making investment decisions on your behalf. This expertise can be especially valuable if you're not familiar with the stock market.

Diversification
Mutual funds invest in a variety of assets, which helps spread risk. If one asset underperforms, others might do well, balancing the overall performance.

Liquidity
Mutual funds are relatively liquid investments, meaning you can easily buy or sell your investments. This makes it easier to access your money when needed.

Starting Your Investment Journey
Setting Goals
Before investing, it's crucial to set clear financial goals. For instance, you want to save for your daughters' education and marriages. Estimate the amount you will need and the time frame.

Risk Assessment
Understand your risk tolerance. Since you're saving for long-term goals, you might be able to take on more risk for potentially higher returns. However, ensure you are comfortable with the level of risk.

Investment Amount
Decide how much you can invest regularly. Even small amounts can grow significantly over time due to the power of compounding.

Choosing the Right Funds
Equity Funds for Growth
Since you have long-term goals, consider investing in equity funds. They have the potential for higher returns, which can help you reach your financial goals faster.

Hybrid Funds for Balance
If you prefer a balance between risk and return, hybrid funds can be a good choice. They invest in both equities and debt instruments, offering a mix of growth and stability.

Debt Funds for Stability
If you have a low-risk tolerance, debt funds can provide stability. Though the returns are lower compared to equity funds, they are less volatile.

How to Invest
Systematic Investment Plan (SIP)
A SIP allows you to invest a fixed amount regularly, say monthly. This approach helps inculcate a disciplined saving habit and averages out the cost of investment over time.

Lump Sum Investment
If you have a significant amount to invest initially, you can consider a lump sum investment. This method might be suitable if you receive a windfall or bonus.

Regular Funds vs. Direct Funds
Investing through a Certified Financial Planner (CFP) using regular funds can provide you with professional guidance and support. Although direct funds have lower expense ratios, they require more knowledge and effort to manage.

Creating a Diversified Portfolio
Mix of Funds
A well-diversified portfolio should include a mix of equity, hybrid, and debt funds. This combination can help balance risk and return while working towards your financial goals.

Reviewing and Rebalancing
Regularly review your portfolio to ensure it aligns with your goals. Rebalancing helps maintain the desired asset allocation, adjusting for changes in market conditions.

Practical Steps to Start Investing
Selecting a Certified Financial Planner (CFP)
A CFP can provide personalized advice, helping you choose the right mutual funds based on your financial goals, risk tolerance, and investment horizon.

KYC Compliance
Complete the Know Your Customer (KYC) process, which is mandatory for investing in mutual funds. This involves submitting identity and address proofs.

Investing Through MFD
You can invest in mutual funds through a Mutual Fund Distributor (MFD). They can guide you through the process, provide valuable insights, and help you choose the best funds for your needs. This method is convenient and ensures you have professional support.

Monitoring Your Investments
Keep track of your investments regularly. Many platforms offer tools and reports to help you monitor the performance of your mutual funds.

Addressing Concerns
Market Volatility
It's natural to be concerned about market volatility. Remember, mutual funds are long-term investments. Short-term fluctuations are normal, and staying invested can help you ride out the volatility.

Understanding Fees
Mutual funds come with certain fees, such as expense ratios and exit loads. While these fees might seem small, they can impact your returns over time. Ensure you understand the fee structure before investing.

Avoiding Common Mistakes
Avoid trying to time the market or chasing past performance. Instead, focus on your financial goals and stick to your investment plan.

Educating Yourself
Continuous Learning
Investing in mutual funds requires some knowledge. Take time to educate yourself about different types of funds, market trends, and investment strategies.

Resources
Utilize resources like financial news, online courses, and advice from your CFP to stay informed and make educated decisions.

Final Insights
Investing in mutual funds can be a powerful tool to secure your daughters' future. By understanding your goals, assessing your risk tolerance, and choosing the right funds, you can create a solid investment plan.

Start with small, regular investments through a SIP, and gradually build your portfolio. Seek guidance from a Certified Financial Planner to ensure you're on the right track.

Remember, investing is a journey. Stay patient, stay informed, and keep your long-term goals in sight.

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  |6971 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Asked by Anonymous - Jul 04, 2024Hindi
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Hello... I am 36 year old female working in a public sector bank. I am planning to come of out my present job after 4 years. I am interested in starting investment in mutual funds. I already have 12 lakhs in sip, 14 lakhs in fd and 4 in savings account Kindly guide me in doing further investments in mutual funds
Ans: Mutual funds are a popular investment option. They pool money from many investors. This money is then invested in stocks, bonds, or other securities. Professional fund managers manage these investments. Mutual funds offer diversification, which reduces risk. They are a good choice for long-term financial goals.

Your Current Financial Situation
You have Rs. 12 lakhs in SIPs, Rs. 14 lakhs in FDs, and Rs. 4 lakhs in a savings account. This is a solid start. It shows your commitment to saving and investing. You are on the right track. However, diversifying your investments is important.

Benefits of Mutual Funds
Mutual funds offer several advantages:

Diversification: They spread your money across various investments. This reduces the risk of loss.

Professional Management: Experts handle the investments. They make informed decisions based on market research.

Liquidity: You can easily buy or sell mutual fund units. This offers flexibility in managing your finances.

Variety: There are different types of mutual funds. You can choose based on your risk appetite and financial goals.

Types of Mutual Funds
Mutual funds come in different categories. Each category has its own risk and return characteristics.

Equity Funds
Equity funds invest in stocks. They have higher potential returns but also higher risk. They are suitable for long-term goals. These funds are ideal for a horizon of 5 years or more.

Debt Funds
Debt funds invest in fixed-income securities. These include bonds and treasury bills. They are less risky compared to equity funds. They provide regular income and are suitable for short to medium-term goals.

Hybrid Funds
Hybrid funds invest in both stocks and bonds. They offer a balanced approach. They provide moderate returns with moderate risk. These funds are good for investors seeking a mix of growth and income.

Setting Your Financial Goals
Identify your financial goals before investing. This helps in choosing the right mutual funds. Your goals can be:

Retirement: Build a corpus for a comfortable retirement. Equity and hybrid funds are suitable.

Child's Education: Save for your child's education. Equity funds are a good choice for long-term goals.

Emergency Fund: Maintain an emergency fund. Debt funds or liquid funds are ideal for this purpose.

Asset Allocation
Asset allocation is crucial. It involves dividing your investments among different asset classes. This strategy reduces risk and maximizes returns. Your asset allocation should be based on your risk tolerance and investment horizon.

Risk Tolerance
Understand your risk tolerance. It is your ability to handle market fluctuations. If you have a high-risk tolerance, you can invest more in equity funds. If you prefer stability, opt for debt funds.

Investment Horizon
Your investment horizon is the duration you plan to stay invested. For long-term goals, equity funds are suitable. For short-term goals, debt funds are better.

Systematic Investment Plan (SIP)
SIP is a disciplined way of investing. It involves investing a fixed amount regularly. This can be monthly, quarterly, or annually. SIP helps in averaging the cost of investment. It reduces the impact of market volatility.

Systematic Withdrawal Plan (SWP)
SWP allows you to withdraw a fixed amount regularly. This is useful for generating regular income. It is suitable for retirees or those needing regular cash flow.

Avoiding Common Mistakes
Avoid common mistakes while investing in mutual funds:

Chasing Past Performance: Do not invest based on past performance. It does not guarantee future returns.

Ignoring Expenses: Be aware of the expenses involved. These include expense ratio and exit load.

Lack of Diversification: Do not put all your money in one fund. Diversify across different types of funds.

Monitoring Your Investments
Regularly monitor your investments. Review their performance periodically. This helps in making necessary adjustments. It ensures that your investments align with your goals.

Rebalancing Your Portfolio
Rebalance your portfolio periodically. This involves realigning the asset allocation. It helps in maintaining the desired level of risk.

Consulting a Certified Financial Planner
Seek guidance from a Certified Financial Planner. They can provide personalized advice. They help in creating a comprehensive financial plan. Their expertise ensures that your investments align with your goals.

Tax Implications
Understand the tax implications of mutual fund investments. Equity funds are subject to capital gains tax. Long-term capital gains (LTCG) tax is applicable after one year. It is 10% on gains exceeding Rs. 1 lakh. Short-term capital gains (STCG) tax is 15%. Debt funds have different tax rules. LTCG is applicable after three years at 20% with indexation. STCG is taxed as per your income slab.

Advantages of Actively Managed Funds
Actively managed funds have professional managers. They aim to outperform the market. They adjust the portfolio based on market conditions. This can lead to higher returns compared to passive funds.

Disadvantages of Index Funds
Index funds track a specific index. They do not aim to outperform the market. Their returns are tied to the index performance. They lack flexibility in changing market conditions. Actively managed funds can provide better returns with expert management.

Benefits of Regular Funds
Investing through regular funds offers benefits. Certified Financial Planners can guide you. They provide valuable insights and advice. They help in selecting the right funds. They assist in creating a balanced portfolio.

Evaluating Fund Performance
Evaluate the performance of mutual funds before investing. Look at the historical returns. Check the consistency of returns. Compare the fund's performance with its benchmark. Analyze the fund manager's track record.

Expense Ratio
The expense ratio is the annual fee charged by the fund. It covers the management and administrative costs. A lower expense ratio is preferable. It affects the overall returns on your investment.

Exit Load
Exit load is a fee charged on early withdrawal. It is a percentage of the redeemed amount. Be aware of the exit load before investing. It impacts the returns if you withdraw before the specified period.

Portfolio Diversification
Diversify your portfolio across different sectors and asset classes. This reduces the impact of poor performance in one sector. It helps in achieving a balanced risk-return profile.

Risk Management
Effective risk management is essential. Diversification and asset allocation are key strategies. Regularly review and rebalance your portfolio. Stay informed about market trends and economic conditions.

Market Volatility
Be prepared for market volatility. The market can be unpredictable. Do not panic during market downturns. Stay focused on your long-term goals. SIPs help in averaging the cost during volatile markets.

Financial Discipline
Maintain financial discipline. Stick to your investment plan. Avoid making impulsive decisions based on market movements. Regularly invest through SIPs to stay disciplined.

Emergency Fund
Keep an emergency fund separate. It should cover at least six months of expenses. Use debt funds or liquid funds for this purpose. It ensures liquidity and safety of funds.

Financial Goals Review
Review your financial goals periodically. Life circumstances can change. Your goals may evolve. Adjust your investment strategy accordingly. Ensure that your investments align with your current goals.

Long-Term Perspective
Have a long-term perspective. Mutual funds are best for long-term wealth creation. Do not focus on short-term market fluctuations. Stay invested to benefit from compounding returns.

Financial Literacy
Enhance your financial literacy. Understand the basics of mutual fund investing. Stay informed about market trends and economic factors. This helps in making informed investment decisions.

Benefits of SIP
SIP offers several benefits:

Disciplined Investing: It encourages regular investing.

Rupee Cost Averaging: It averages the cost of investment over time.

Compounding: It helps in compounding returns over the long term.

Financial Advisor vs. Certified Financial Planner
Certified Financial Planners have specialized training. They provide comprehensive financial planning. They offer personalized advice based on your financial situation. They help in achieving your financial goals.

Final Insights
Mutual fund investments are a powerful tool for wealth creation. They offer diversification, professional management, and flexibility. Understand your financial goals and risk tolerance. Choose the right type of mutual funds. Regularly monitor and review your investments. Stay disciplined and focused on your long-term goals. Seek guidance from a Certified Financial Planner. They can help you navigate the complexities of mutual fund investing.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6971 Answers  |Ask -

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

Listen
Money
My salary is 67k in hand my age is 29 and unmarried and i have no investment now i want to start investment with a motive to get retire in age 60 and also build wealth for my child and home how can i achieve all this through which Mutual funds so that i can easily fund my child education in future and for home
Ans: Setting Financial Goals
Your primary financial goals are:

Retirement at age 60
Wealth creation for future child's education
Purchasing a home
Let's devise a plan to achieve these goals through mutual fund investments.

Monthly Budget Allocation
Your salary is Rs. 67,000. Here's a suggested allocation:

Emergency Fund: Save 6 months' expenses in a savings account or liquid fund.
SIP Investment: Allocate 20-25% of your salary for SIPs (Rs. 13,400 - Rs. 16,750).
Short-term Goals: Save for immediate needs (10% of salary).
Lifestyle Expenses: Allocate the rest for living expenses and discretionary spending.
Suggested Investment Strategy
Diversified Portfolio
Equity Mutual Funds:

Invest in large-cap and multi-cap funds for stable growth.
Allocate a portion to mid-cap and small-cap funds for higher returns.
Debt Mutual Funds:

Invest in debt funds for stability and lower risk.
Allocate a portion to balanced or hybrid funds for a mix of equity and debt.
Systematic Investment Plan (SIP):

Start SIPs in chosen funds.
Regular investments ensure disciplined savings and cost averaging.
Example Allocation
Large-Cap Fund:

Stability and steady growth.
Allocate Rs. 5,000 per month.
Multi-Cap Fund:

Diversified equity exposure.
Allocate Rs. 4,000 per month.
Mid-Cap Fund:

Higher growth potential.
Allocate Rs. 3,000 per month.
Small-Cap Fund:

High risk, high reward.
Allocate Rs. 2,000 per month.
Balanced Fund:

Mix of equity and debt.
Allocate Rs. 2,000 per month.
Retirement Planning
Calculate Future Needs
Retirement Corpus:

Estimate future expenses.
Use a retirement calculator for precise planning.
Regular Reviews:

Adjust investments as needed.
Increase SIPs with salary hikes.
Investment Horizon
Long-Term Focus:
Equity funds for long-term growth.
Debt funds for stability as retirement approaches.
Child's Education
Education Fund
Dedicated SIPs:

Start a separate SIP for education.
Choose child education-specific funds.
Goal-Based Planning:

Estimate education costs.
Adjust SIPs to meet target amount.
Home Purchase
Down Payment and Loan
Savings Plan:

Save for a down payment in a short-term debt fund or FD.
Consider a home loan for the balance amount.
EMI Affordability:

Ensure EMIs are within your budget.
Keep debt-to-income ratio manageable.
Final Insights
Diversification:

Ensure portfolio is diversified.
Minimize risk by spreading investments.
Regular Monitoring:

Review investments periodically.
Rebalance portfolio as needed.
Professional Advice:

Consult a Certified Financial Planner for personalized guidance.
Ensure alignment with financial goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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I am 50 years old and got married 15 years ago. I am a very spontaneous sort of a guy and enjoy life, partying etc. I was also very active socially.My wife being the complete opposite put a stop to all that once we got married. She also does not display any affection and has no interest in physical intimacy. She is just concerned with her housework.We also have lot of differences in mental attitude & intellectual abilities. At no stage will we ever seperate, however, I am unhappy with her nature. She has lot of friends, however is always at daggers drawn with in her in laws. We had to stay separately for 6 months, and I tried looking for love else where, however after a couple of months, I realised, that I missed her. I am in a quandary. Despite requesting her to work on our relationship, I get no response. Please advise on how to proceed.
Ans: Dear Anonymous,
I understand you are in a tough spot. But it's nice to see that after all those years of differences, you still have genuine feelings for her. I strongly suggest considering marriage counseling. From your description of your marriage, it seems to be there have been issues from the very beginning of it. It's been too long and now those issues must've become deep-rooted. Seeing a professional can be a game-changer. They can guide you out of this slump more methodically and help you navigate the emotions you are feeling right now. It can also help you understand the reasons for your wife's disinterest and handle it better.

Best Wishes

...Read more

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Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Nov 02, 2024Hindi
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Hii, I have an love marriage after 9 years of dating and 6 years, 2 children post marriage, my little one is 11 months old now. My husband has an affair upto chatting to someone in his company, his junior but in different department, when my Lil one was 1 month old, we had in a rough patch then due to child birth and family drama. When I saw it and confronted him, he said he is sorry and won't do it again, we had multiple fights for 3-4 months after then due to same reason, but he mostly listen and consol. It's been a lot of mental torture for me. I love my husband a lot and he is a good person, but sometimes sill I see her msg in his phone asking for small helps or casual msg. She is also married. I am not sure my husband deletes msg or what, I am not able to get over this. Before it, this is was preety much a good relationship. I am highly educated and independent women. I don't want anything form my husband apart from love. What should I do, whenever I tell him I want to just leave and let him have his life, he won't let me somehow. We are having a good physical relationship 2-4 times a week( just to tell where we are). Please help me...I can't overcome that he is making fool of me...
Ans: Dear Anonymous,
I am sorry to hear you are in such a tough spot. I would suggest considering marriage counseling. A professional who can help you both tackle these issues would be helpful in this situation. I understand that it was his mistake and he needs to put the effort to make you trust him again, but since you are still together, you will also have to put in the effort to let it. I know it is difficult and that's where marriage counselor comes in. They can help you navigate these feelings. Moreover, if he is indeed hiding something, therapy can help that come out in the open.

Hope this helps.

...Read more

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Sep 10, 2024Hindi
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Hi, Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. Partner(F28)continuing friendship with a person[M] who had crush on her before marriage considered emotional infidelity? Me(M38) and wife(F37) happily married for 12 years and blessed with one daughter. My wife is having friendship (strictly platonic) with a guy from her 10tlh grade (same class). Before our marriage (she may be doing her college, our relationship just started may be 2 weeks) this guy told her he has genuine interest in her and he want to take the relationship further if she wants, she said she is not interested in a relationship and she got committed, she always saw him as a friend, no other feelings for him and we can be friends if you don't bring any romantic interest again. He never took this talk again ever after and happy to be a friend. They are talking as friends. She got married to me. He also got married. They still do chats once in a month. She introduced me to him and visited his home when we visited his city. He also came to our home once (me and my family was there). She used to update me with chat she had with him and the content they are chatting. I am ok with that When we were talking about our school life and college life 2 years before. She said this guy had crush on her during her college days. I asked her, why did not she tell me this info till now. She said it is not purposely, she does not feel the need to do as the person is not in-appropriate with her and continuing as good friend as promised after she rejected his proposal. I don’t want to create any unnecessary issues as I don’t have any felling or so with him. That time I checked their chats completely, it’s about update about their common friends, their recent travel, their job, meditation courses and the books they read recently. I haven’t seen any flirting or romantic message from either of them. So I am perfectly fine with it and had no problems. I recently came to know about the concept of emotional cheating which is very new to me. Before that cheating to me is only flirting, sexeting and physical sex. I have asked for advice in redddit.com in infedility sub forum about emotional cheating/ emotion affair. There persons are advising like even having friendship with someone who had crush on you is emotional cheating as it is indirectly leading them on you. So with an omission of lie he had crush on her and indirectly leading him on you wife was emotionally cheating on you. This is very much equal to cheating. I do have lots of friends in other gender, but no one had crush on me. Does this count as emotional cheating/affair as she did not mention he had crush on her before marriage? I am little depressed and not able to spend quality time with my wife who is in postpartum depression and take care of our daughter properly as before. Do you guys advise me how to navigate this situation?
Ans: Dear Anonymous,
Are you really going to ruin your happy relationship based on some new term you have learned recently? Emotional cheating and many more terms of the kind will come and go, what truly matters is the truth. She is merely friends with this guy and for your peace of mind, you have even checked their conversations- what part of it looks like cheating to you? If tomorrow, some random person projecting their own insecurities claims that a man speaking to a woman is some "new form" of cheating, would you start believing that? My point is that these are just random opinions of some people- it isn't the ultimate truth. The entire context matters. This man had a crush on your wife, she rejected it, and now they are just friends. I find absolutely no misconduct or infidelity in this. The fact that none of your friends had a crush on you does not factor in at all. Moreover, your wife is in postpartum depression- that should be your biggest concern but here you are, giving more importance to the random 2 AM thoughts of some people you don't even know. Please rethink if you are being fair to your wife- the mother of your child.

Best Wishes

...Read more

Ravi

Ravi Mittal  |395 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 05, 2024

Asked by Anonymous - Oct 26, 2024Hindi
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Relationship
I (30M) am looking for Arranged Marriage Prospects. My Family has found a Prospect (27F) who seems like a Good Match, she's Well Educated, Earning Well & from the same Community. I haven't yet met her in Person, but connected with her on Social Media Platforms & interacting regularly. Recently, I scrolled through her Instagram Profile (It's a Public Profile). She seems to be a very Sociable Person, she has shared many Photos of herself, Partying/Travelling along with her Friends. My Problem is that she seems to like Wearing Clothes which are Revealing. She has shared many Photos/Videos, in which she's skimpily dressed (including some Bikini Photos at Beach/Swimming Pool). She also has a Pierced Navel Ring & Tattoos on some Private Parts like Chest, Hips, Thighs & Lower Back, which she flaunts proudly on Social Media. Though, I am not Judging her Character, based on her Choice of Clothing, but seeing all these made me a little Uncomfortable, as I am a very Modest & Simple Person myself. I have not discussed this issue with my Parents, as they have a very good opinion about her (which I don't want to Ruin). But I've discussed with some of my closest Friends (of both Genders) & some of them have Chided me for being so Judgemental. They suggested me to meet her atleast once in person, to understand what's her Character/Personality like. Shall I give it a try or Reject her Politely at this stage itself, without wasting any more Time (either her or mine)? Or am I being too Superficial to Judge a Woman, just based on her Social Media Profile, without even meeting her once, personally (This is what some of my closest Female Friends opined)? Please suggest me how to proceed with this Prospect in Arranged Marriage.
Ans: Dear Anonymous,
I know it might come off as you being judgmental of her choice of dressing, but you have a right to form an opinion in your mind, especially since in your case, you might be marrying the person. As long as you are not making up your mind about her based on her dressing, forcing her to dress the way she wants, or thrusting your opinion on her, it's alright. It's human nature to be a bit jerked by the choices others make that we won't make ourselves. Having said that, I believe meeting her once in person can be good for you; you might have a new perspective- both about her and on life. But no one can force you to do either. My suggestion is that do what you think is right- if you are sure you will reject this alliance based on her choice of clothes, even if she is the nicest person on the face of the earth, meeting up might be a waste of time. But if you think you are open to changing your mind, go for it.

I would also like for you to remember one important point if things work out between the two of you- do not try to push your opinions on dressing and change the way she is after getting married. That would not be fair. In case, you start hoping that she will change and fit YOUR mold of the perfect woman, I would strongly suggest keeping that thought in check.

Best Wishes.

...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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