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: Dear Anonymous,
If all is well medically, then the only thing that can stop a couple from getting sexually intimate are fears of what intercourse really is. Focusing on sex especially since this is the first time for the both of you CAN put you under tremendous stress. Instead focus on connecting first with each other. Emotional bonding through love, care and affection can allow for a lot of non-sexual intimacy first. Keep at this until you get comfortable with one another and then you take things to the next level that will ease you both into sexual intimacy.
Being in LOVE and a very close emotional connect can actually be huge boosters into getting intimate and ease you two into sex.

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

Ans: Dear Anonymous,
This is a question for a legal expert; so go ahead and seek the guidance of someone who can handle your case. Along with this, you will have to think of a good balance that will allow for you to manage work and home plus your health.

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

Ans: Dear Sanjay,
What would you do if something like this happened in your house? Suggest the same to your friend.
But also, before accusing or doubting someone, please make sure that your friend has not misplaced the money.

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

Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

Ans: Slim chance, depends on others performance and choice, may be Tier 3 college

Ans: Depends on others performance and choice, may be

Ans: Focus on BASICS, solve papers

Ans: Compare the results, I don't recommend.

Ans: Hello Ashrit,
Congratulations on achieving a 98.5 percentile in your JEE Main examination.
Yes, you have a good chance of getting into NITs, but the branch and NIT will depend on:
Your home state (since HS quota has lower cutoffs)