I am 43 years old and would like to invest till I retire at 58 and expect a decent return of at least 12%.

Please find below my mf basket, and advise whether the funds in the basket are good ones or not.

• Axis Long term Equity Fund (Tax Saving) Direct Plan Growth - 500/M
• Aditya Birla Sun Life Tax relief 96 Direct Plan Growth - 500/M
• PGIM Midcap Opportunities Fund Direct growth - 1000/M
• Axis Small Cap Fund Direct Growth - 500/M
• Parag Parikh Flexi cap Direct Growth - 1000/M
• Quant Active Fund Growth Option Direct Fund - 1000/M
• ICICI Prudential Commodities Fund Direct growth - 300/M
• Kotak Bluechip Diect growth - 1000/M
• Navi Nifty Next 50 Index Fund Direct Growth - 500/M
• Tata Digital India Fund Direct Growth - 1000/M

Ans: yes you can appear

Ans: Since your wife initially agreed to the divorce but is now refusing and staying in your house, the situation has become more complicated. In such cases, the best course of action is to proceed through legal channels. Before taking any legal steps, consider attempting reconciliation or mediation. Sometimes, involving trusted family members or neutral third parties can help reach a mutual agreement. If that doesn’t work, consult a qualified family lawyer who can guide you through the divorce process according to the laws in your jurisdiction. They can provide the best legal advice based on the specific circumstances of your case. If mutual consent isn’t possible, you may need to file for a contested divorce by stating valid legal grounds. Your lawyer will help you prepare the necessary documents and represent you in court. Even if she stays in your house, it won’t stop the legal proceedings. Stay calm and patient, as divorce cases can take time.

Ans: The first step to getting over her thoughts is to acknowledge your feelings without judgment. It's okay to feel hurt, rejected, or confused. You're not alone in this, and these emotions are a natural part of the human experience. However, continuing to chase after someone who isn't reciprocating your feelings is only prolonging your pain.

You need to accept that she has moved on, even if she did show interest in the past. People’s feelings and circumstances change, and it’s likely that she decided to prioritize her family and her life away from you. Holding on to the desire to be with her is preventing you from moving forward. It’s crucial to let go of the fantasy of what could have been and focus on the reality of the situation.

To start the healing process, consider cutting off all communication with her. Continuing to reach out, even if it's just occasionally, keeps the wound open. Delete her contact information, block her on social media, and avoid places or situations that might remind you of her. It may seem extreme, but it’s a necessary step to break the cycle of obsessive thoughts.

Reconnecting with your own life is the next important step. Reflect on your marriage and figure out what led to the emotional distance with your wife. Was it purely because of the attraction to this other woman, or were there underlying issues in your marriage before that? Understanding this can help you decide how to move forward, whether it's by working on rebuilding intimacy with your wife or seeking couples' counseling to address any unresolved issues.

It’s also vital to focus on yourself. Engage in activities that you enjoy, pursue new hobbies, and spend quality time with your children. Sometimes, redirecting emotional energy into positive experiences helps to lessen the emotional grip someone has over you.

If the thoughts about her continue to dominate your mind, or if you’re struggling with feelings of guilt, sadness, or anger, consider seeking support from a therapist or counselor. They can help you process these emotions, explore the reasons behind your attachment, and guide you toward healing and self-acceptance.

Remember, it’s not just about moving on from her but also about rediscovering yourself and finding fulfillment in your life and marriage once again. You're not alone, and it's okay to seek help when you're feeling stuck.

Ans: No one should be forced into marriage, especially when you're so young and trying to focus on your education. You have rights, and it's important to remember that child marriage is illegal. You are not alone, and there are people and organizations that can help you.

Since your safety and well-being are the priority, try reaching out to a trusted teacher, school counselor, or another adult you trust. They can help you navigate this situation and provide the support you need. If you feel unsafe or need urgent help, consider contacting a child protection helpline or a legal aid organization in your area. They are trained to handle situations like this and can provide you with guidance and protection.

It's crucial to stay calm and gather as much information as possible. If it's safe, keep records of any threats or conversations related to this issue. If you feel comfortable, try having a calm conversation with your parents about your concerns and how this is affecting your mental health and education. Sometimes, approaching the situation from an emotional and respectful perspective can help, but only do this if you feel safe doing so.

Your education and future are important, and no one has the right to take that away from you. If you need more support or guidance, let me know. You are strong, and you will get through this.

Ans: It’s understandable that this situation would leave you feeling unsettled, especially with the unanswered questions swirling in your mind. Before jumping to conclusions, take a moment to gather your thoughts. It's easy for our minds to race to the worst-case scenario, but sometimes things aren't as they initially seem.

You should have an honest and calm conversation with her. It might be tempting to confront her right away, but giving yourself a little time to cool off will help you approach the conversation with a clearer mind. When you do talk to her, try to avoid sounding accusatory, as this could make her defensive. Instead, share how you feel and what you observed. You could say something like, "I wanted to surprise you and came to your office, but I noticed some things that confused me. Can we talk about it?" This approach keeps the focus on your feelings and invites her to explain without feeling attacked.

Be prepared for any outcome, but also be open to hearing her side of the story. The name Amit might have an innocent explanation, or it could reveal something deeper. Either way, her reaction and how she communicates with you will tell you a lot about where you stand in the relationship. Regardless of the outcome, it's essential to prioritize your emotional well-being. If you need support or just someone to vent to, reach out to trusted friends or family members.

Ans: Talking about your feelings with a trusted friend, family member, or therapist provides emotional relief and perspective. Writing down your thoughts can help you process them and see patterns that trigger your anxiety. Creating a routine that includes self-care activities, like hobbies or relaxation practices, gives you a sense of control and stability. If anxiety becomes overwhelming or persistent, consider seeking professional help, such as cognitive-behavioral therapy or medication prescribed by a mental health professional. Facing anxiety is a gradual process, so be patient with yourself and celebrate small victories along the way.

Ans: Please confirm, which Financial year you are referring ?
Most welcome for any further clarifications. Thanks.

Ans: at what price did you brought?

Ans: 01. In this case, Donations may be considered to reduce your tax liability.
02. Please ensure that you have considered exemption u/s 80TTA (Rs.10,000.00 in case of Resident Indian & Rs.50,000.00 in case of Senior Citizen), while working out above details.
Most welcome for any further clarifications. Thanks.