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Nikunj Saraf  | Answer  |Ask -

Mutual Funds Expert - Answered on Oct 10, 2022

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
swami Question by swami on Oct 10, 2022Hindi
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My age is 27 and i am planning for my retirement so i am investing 20K every month in sip and will step up 10% every year .

I am expecting 15% return on my investments. I started investing in MF from march 2022 and I have also investing 10K in EPF and 1.5 L in LIC.

I have added all my mutual funds below , please reveiw and share ur opinion. If it’s over diversified suggest me which fund i need to remove from my portfolio.

Small cap funds – 4( 6500 )

1. Axis Small Cap Fund Direct Growth-2000

2. Kotak Small Cap Fund - Direct Plan - Growth (Erstwhile Kotak Mid-Cap) -1500

3. NIPPON INDIA SMALL CAP FUND - DIRECT -1500

4.Quant Small Cap Fund - Direct Plan Growth -1500

Mid cap Funds – 4 (4500)

1. PGIM India Midcap Opportunities Fund - Direct Plan – Growth- 1000

2. Quant Mid Cap Fund – Growth -1500

3. Invesco India Midcap Fund - Direct Plan Growth -1000

4. Axis Mid Cap Fund - Direct Growth -1000

Blue chip & Growth -2 (2500)

1. Mirae Asset Emerging Bluechip Fund - Direct Plan-1500

2. Axis Growth Opportunities Fund Direct Growth -1000

Sectorial Diversification -6 (4500)

1. ICICI Prudential Technology Fund - Direct Plan – Growth - 1000

2. ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Direct Plan Growth -500

3. ICICI Prudential Banking and Financial Services Fund - Direct Plan – Growth -500

4. Mirae Asset Great Consumer Fund - Direct Plan -1500

5. Quant infrastructure fund - 1000

US market (2500)

  1. 1.    Navi US Total Stock Market Fund of Fund Direct Plan Growth – 2500

Ans: Hello swami. The detailed overview of your MF portfolio indicates over-diversification with 20k SIP. Hence, I would suggest reconsidering, pruning, and reshuffling your portfolio. 

As part of the portfolio reshuffle, make sure to have AMC diversification as well.

Limit yourself to 1-2 schemes in each category.

I can see several schemes in different categories for each AMC. I recommend reconsidering the scheme for Navi US scheme to better scheme in same category.

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  |6984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 21, 2024Hindi
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Hi Experts, I am 40 years old. I am investing in mutual fund SIPs. My portfolio has following funds each 1000Rs SIP monthly. 1) Quant Infrastructure 2) Quant Mid cap 3) Quant Small cap 4) Quant Active 5) Quant Flexi cap 6) ICICI Pru Infrastructure 7) ICICI Pru Bluechip 8) ICICI Pru Bharat 22 FOF 9) Nippon India Large cap 10) Nippon India Growth 11) Nippon Small cap 12) Nippon India Multi cap 13) Nippon Power & Infra 14) Aditya Birla Sun Life PSU 15) SBI PSU 16) Invesco PSU 17) JM Large cap 18) JM Value fund 19) JM Flexi cap 20) Tata Small cap 21) HDFC Mid cap opportunities 22) Mahindra Manulife Mid cap 23) Mahindra Manulife Multi cap 24) Motilal Oswal Mid cap. Am I good to continue on these funds? Do I need to add/remove any funds for a good portfolio. Please provide your thoughts.
Ans: It's commendable that you're investing in mutual funds through SIPs to build wealth for your future. However, your portfolio seems overly concentrated with a large number of funds, which may not necessarily translate into better returns. Let's review your portfolio and suggest any necessary adjustments for better diversification and performance:
Assessing Your Portfolio:
1. Quant Funds: These funds focus on quantitative strategies, which can be riskier and more volatile. Consider whether the strategy aligns with your risk tolerance and investment objectives.
2. ICICI Pru and Nippon India Funds: These are reputable fund houses offering a range of funds across different market segments. Review the performance and risk profile of each fund to ensure they meet your expectations.
3. PSU Funds: Investing in sector-specific funds like PSU funds increases concentration risk. While these funds may offer potential upside, they are susceptible to sector-specific risks.
4. Mid Cap and Small Cap Funds: These funds have the potential for high growth but come with increased volatility. Ensure they align with your risk tolerance and investment horizon.
Portfolio Optimization:
1. Consolidation: Consider consolidating your portfolio by reducing the number of funds. Focus on high-quality funds with strong track records and consistent performance.
2. Diversification: Aim for a well-diversified portfolio across different asset classes, market caps, and sectors to spread risk and optimize returns.
3. Exit Strategy: Evaluate the underperforming funds and consider exiting those that consistently lag behind their benchmarks or peers. Redirect the proceeds to more promising opportunities.
4. Professional Advice: Consult with a Certified Financial Planner to review your portfolio comprehensively and tailor it to your financial goals, risk tolerance, and investment horizon.
Conclusion:
While your current portfolio includes several funds, it may benefit from streamlining and optimizing for better performance and risk management. By focusing on quality over quantity and maintaining a diversified approach, you can enhance the potential for long-term wealth creation.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |6984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Hi Experts, I am 40 years old. I am investing in mutual fund SIPs. My portfolio has following funds each 1000Rs SIP monthly. 1) Quant Infrastructure 2) Quant Mid cap 3) Quant Small cap 4) Quant Active 5) Quant Flexi cap 6) ICICI Pru Infrastructure 7) ICICI Pru Bluechip 8) ICICI Pru Bharat 22 FOF 9) Nippon India Large cap 10) Nippon India Growth 11) Nippon Small cap 12) Nippon India Multi cap 13) Nippon Power & Infra 14) Aditya Birla Sun Life PSU 15) SBI PSU 16) Invesco PSU 17) JM Large cap 18) JM Value fund 19) JM Flexi cap 20) Tata Small cap 21) HDFC Mid cap opportunities 22) Mahindra Manulife Mid cap 23) Mahindra Manulife Multi cap 24) Motilal Oswal Mid cap Am I good to continue on these funds? Do I need to add/remove any funds for a good portfolio. Please provide your thoughts.
Ans: Mutual Fund Portfolio Analysis and Recommendation

Comprehensive Portfolio Evaluation

Your diversified mutual fund SIP portfolio reflects a proactive approach towards wealth accumulation and investment diversification. Let's assess each fund's performance and suitability to optimize your investment strategy.

Assessing Current Portfolio Allocation

Your portfolio consists of a wide range of funds spanning various market segments, including infrastructure, mid-cap, small-cap, large-cap, and flexi-cap funds. This diversification aims to capture growth opportunities across different sectors and market capitalizations.

Benefits of Actively Managed Funds over Index Funds

Actively managed funds offer the potential for higher returns and outperformance compared to index funds. Fund managers leverage their expertise to select promising stocks and navigate market fluctuations effectively, enhancing portfolio returns over the long term.

Disadvantages of Index Funds

Index funds, while low-cost and passively managed, may not always deliver superior returns compared to actively managed funds. They are subject to market volatility and offer limited scope for outperformance, especially during market rallies and downturns.

Identifying Overlapping Investments

Review your portfolio for any overlapping investments across funds managed by the same asset management company or with similar investment objectives. Consolidating overlapping funds can streamline your portfolio and reduce redundancy.

Optimizing Portfolio Allocation

Consider rebalancing your portfolio to ensure optimal allocation across different market segments. Focus on funds with strong fundamentals, consistent performance, and alignment with your risk tolerance and investment goals.

Disadvantages of Direct Funds

Direct funds require investors to conduct their own research and make investment decisions independently. However, investing through a Certified Financial Planner (CFP) provides access to professional guidance and comprehensive financial planning services, enhancing portfolio management.

Highlighting Benefits of Regular Funds Investing through MFD with CFP Credential

Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential offers personalized guidance and disciplined investing. An MFD can help optimize your investment strategy, monitor portfolio performance, and ensure alignment with your financial goals.

Conclusion

While your current mutual fund SIP portfolio demonstrates a diversified approach, consider reviewing and potentially consolidating funds to optimize returns and reduce complexity. Seek guidance from a Certified Financial Planner (CFP) to reassess your investment strategy, align it with your financial goals, and navigate market uncertainties effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 08, 2024

Money
Hi Sir, I've been investing in mutual funds since completion of my M. Tech in 2016. I've redeemed many funds due to bad performance. But now I've realigned my portfolio. My previous investment funds include Canara Robeco Tax saver, SBI focused equity, Axis Small cap and PGIM India Midcap. Total is around 9.72 lakhs. I've not redeemed these funds. And stopped investing in them. My current investment funds through SIP include Quant Small cap, Quant mid cap, Quant tax saver, Quant flexi cap, ICICI Pru blue-chip, Axis Gold FOF, Kotak Debt Hybrid, SBI energy Opportunities and ABSL Liquid fund. My question is should I continue investing in these funds or take exit from some of them. Is my portfolio well diversified?
Ans: It's great to see your commitment to investing and your proactive approach to managing your portfolio. Since completing your M. Tech in 2016, you've navigated the complex world of mutual funds, which is commendable. It's normal to encounter some challenges along the way, such as poor performance of certain funds. Realigning your portfolio shows a thoughtful and strategic mindset. Let's take a comprehensive look at your current investments and evaluate their alignment with your financial goals.

Portfolio Analysis
Previous Investments
Your previous investments include Canara Robeco Tax Saver, SBI Focused Equity, Axis Small Cap, and PGIM India Midcap, totaling around Rs 9.72 lakhs. These funds are still part of your portfolio, although you have ceased further investments in them. Let's evaluate their current role in your portfolio.

Canara Robeco Tax Saver

This fund primarily offers tax benefits under Section 80C of the Income Tax Act. If you don't need additional tax-saving investments, continuing to hold may be redundant. Consider your tax-saving requirements and whether this fund's performance aligns with your expectations.

SBI Focused Equity

A focused fund typically invests in a limited number of stocks. This can be beneficial in a bullish market but can also carry higher risk. Evaluate if this concentrated approach fits with your risk tolerance and overall strategy.

Axis Small Cap

Small-cap funds can offer high returns but come with increased volatility and risk. Assess your risk tolerance to determine if this aligns with your goals. Small-cap funds can be part of a growth-oriented portfolio, but they require patience and a long-term horizon.

PGIM India Midcap

Midcap funds balance growth potential and risk. They can be a solid choice for long-term growth but should be evaluated for performance consistency. Midcaps often represent companies in the growth phase, which can lead to significant capital appreciation over time.

Current Investments Through SIP
Your current investments through SIPs include Quant Small Cap, Quant Mid Cap, Quant Tax Saver, Quant Flexi Cap, ICICI Pru Blue-chip, Axis Gold FOF, Kotak Debt Hybrid, SBI Energy Opportunities, and ABSL Liquid Fund. Let's analyze these in detail.

Quant Small Cap, Mid Cap, and Tax Saver

Investing in multiple funds from the same fund house can be risky due to fund house-specific risks. However, Quant is known for its research-driven approach. Ensure these funds are not overly correlated. Diversifying across fund houses can mitigate risk.

Quant Flexi Cap

Flexi Cap funds offer flexibility to invest across market capitalizations. This can provide a balanced approach to risk and reward. Flexi Cap funds can dynamically adjust their allocations, which can be beneficial in varying market conditions.

ICICI Pru Blue-chip

Blue-chip funds invest in large, established companies. They are typically less volatile and offer steady growth, making them a safe core holding. These funds are suitable for conservative investors seeking stable returns.

Axis Gold FOF

Gold funds can hedge against inflation and market volatility. However, they should not constitute a large portion of your portfolio due to limited long-term growth potential. Gold is a safe haven asset but doesn't generate regular income.

Kotak Debt Hybrid

Debt hybrid funds provide stability by combining equity and debt. They can be a good choice for moderate risk tolerance. These funds aim to balance risk and return, making them suitable for conservative investors.

SBI Energy Opportunities

Sector funds, like this one focusing on energy, carry higher risk due to industry-specific factors. Ensure you are comfortable with the associated volatility. Sector funds can offer high returns but require careful monitoring.

ABSL Liquid Fund

Liquid funds are ideal for emergency funds and short-term goals due to their high liquidity and low risk. They are suitable for parking surplus funds that might be needed quickly without exposing them to market risks.

Diversification Assessment
Diversification is crucial to managing risk. Your portfolio spans various asset classes and sectors, which is positive. However, let's scrutinize the balance:

Equity Exposure
Your equity investments are spread across large-cap, mid-cap, small-cap, and sector-specific funds. This is a good mix, but consider if the sector-specific and small-cap funds align with your risk appetite and goals.

Debt Exposure
Kotak Debt Hybrid and ABSL Liquid Fund provide necessary debt exposure. Ensure this aligns with your risk tolerance and time horizon. Debt investments add stability and reduce overall portfolio volatility.

Gold Exposure
Axis Gold FOF adds a layer of diversification. However, keep its allocation limited due to gold's lower long-term growth. Gold can be a hedge but shouldn't dominate your portfolio.

Sector Exposure
SBI Energy Opportunities fund introduces sector-specific risk. Ensure it doesn't overly concentrate your portfolio. Sector funds should be carefully weighed to avoid overexposure to one industry.

Recommendations
Consolidate Overlapping Funds
Holding multiple funds from the same fund house (e.g., multiple Quant funds) may not offer significant diversification benefits. Evaluate their individual performances and consider consolidating to reduce complexity. Streamlining your portfolio can make management easier.

Review Sector Funds
Sector funds can offer high returns but come with increased risk. Assess your comfort with the volatility and potential downturns in the energy sector before continuing with the SBI Energy Opportunities fund. Consider the cyclical nature of sector performance.

Balance Risk and Stability
Ensure a balanced mix of high-growth potential funds (small-cap, mid-cap) and stable, less volatile funds (blue-chip, debt hybrid). This balance can provide growth while mitigating risk. Diversification across market capitalizations can smoothen returns.

Regularly Monitor Performance
Keep an eye on the performance of your funds relative to their benchmarks. Underperforming funds should be reviewed periodically. If consistently underperforming, consider exiting and reallocating to better-performing options. Regular reviews ensure alignment with goals.

Align with Financial Goals
Revisit your financial goals and risk tolerance. Ensure your portfolio composition aligns with your objectives, whether they are wealth accumulation, retirement planning, or other specific goals. Goals dictate the investment strategy and asset allocation.

Actively Managed vs. Index Funds
You mentioned avoiding index funds. Index funds often come with lower fees but may not outperform the market. Actively managed funds can offer potential for higher returns through expert fund management. The fund manager's expertise can navigate market complexities, although this comes with higher fees.

Disadvantages of Index Funds:

Limited Flexibility
Index funds must stick to the index composition, lacking flexibility to capitalize on market opportunities. This rigid structure can limit potential gains.

Market Risk
They mirror the index performance, providing no cushion during downturns. Index funds fall when the market falls.

Potential Underperformance
In volatile markets, actively managed funds might outperform due to strategic adjustments. Active managers can exploit market inefficiencies.

Direct Funds vs. Regular Funds
Direct funds can save on distribution costs, offering lower expense ratios. However, investing through a certified financial planner can provide valuable insights, strategic planning, and comprehensive financial advice, which is beneficial for long-term success.

Disadvantages of Direct Funds:

Limited Guidance
Direct funds do not offer advisory support, which can be crucial for making informed decisions. Professional advice ensures a tailored investment approach.

Complex Management
Managing a portfolio without professional advice can be challenging, especially in volatile markets. Market dynamics require informed decisions.

Lack of Strategy
Professional planners can provide tailored strategies, optimizing your portfolio based on your financial goals. Strategic planning is key to achieving objectives.

Additional Considerations
Risk Tolerance and Time Horizon
Your risk tolerance and investment time horizon are critical factors in portfolio construction. High-risk, high-reward funds like small-cap and sector funds should align with a long-term horizon and higher risk tolerance. Conversely, conservative funds like blue-chip and debt hybrid are better suited for those with a lower risk tolerance or nearing financial goals.

Regular Reviews and Rebalancing
Regularly review and rebalance your portfolio to maintain alignment with your financial goals. Market conditions and life changes can impact your investment strategy. Rebalancing ensures your portfolio stays on track and mitigates risk.

Emergency Fund Allocation
Ensure you have an adequate emergency fund allocation in highly liquid investments like liquid funds. This provides financial security in unforeseen circumstances and prevents the need to liquidate long-term investments prematurely.

Final Insights
Your dedication to managing your investments is admirable. Realigning your portfolio is a positive step. Ensure your investments are well-diversified, aligned with your financial goals, and reflective of your risk tolerance. Regular monitoring and strategic adjustments are key to achieving long-term success. With careful planning and periodic reviews, your portfolio can be well-positioned to meet your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 07, 2024

Asked by Anonymous - Oct 05, 2024Hindi
Money
Hello Sir, I am 39 years old working woman currently with no loan liabilities and earning a monthly net salary of Rs: 1.5 lakh. I have invested as follows: NPS (6K monthly); PPF (4K monthly); LIC (6K monthly), Sukanya Samridhi (3K monthly) and mutual funds (17 K monthly via SIP initiated in 2023). My mutual fund (MF) investment horizon is for 20 years in the SIP mode with no top up plan, and the MF portfolio is as follows: Axis Gold Fund (1K); ABSL balanced Advantage fund (1K); Debt fund (ABSL Dynamic Bond Fund with monthly SIP of Rs: 1500); ELSS [Parag Parikh Tax Saver Fund - Direct Plan and Kotak Tax Saver Fund -Direct Plan-Growth with monthly SIP of Rs: 1500 each]; Large Cap Fund [HDFC Index Fund Nifty 50 Plan- Direct Growth (2K); CANARA ROBECO Blue Chip Equity Fund-Direct Growth (1K); JM Financial Mutual Fund (2K); Axis Blue Chip Fund (3K)] ; Mid Cap Mutual Fund [Nippon India Growth Fund of 1500 K] and Small Cap Fund [Tata Small CAP Fund of 1K]. Please let me know if the MF portfolio needs to be diversified further and if I need to add or remove any MF.
Ans: You have a well-structured investment portfolio. You're contributing to various financial instruments like NPS, PPF, LIC, Sukanya Samriddhi, and mutual funds. Your commitment towards saving Rs 17,000 monthly via SIPs shows a long-term vision.

Let’s review your mutual fund portfolio to check if it’s aligned with your long-term goals.

Mutual Fund Portfolio Evaluation
Your mutual fund portfolio includes:

Gold Fund
Axis Gold Fund: Rs 1,000

Balanced Advantage Fund
ABSL Balanced Advantage Fund: Rs 1,000

Debt Fund
ABSL Dynamic Bond Fund: Rs 1,500

ELSS (Equity-Linked Savings Scheme)
Parag Parikh Tax Saver Fund: Rs 1,500
Kotak Tax Saver Fund: Rs 1,500

Large Cap Fund
HDFC Index Fund Nifty 50: Rs 2,000
Canara Robeco Blue Chip Equity Fund: Rs 1,000
JM Financial Mutual Fund: Rs 2,000
Axis Blue Chip Fund: Rs 3,000

Mid Cap Fund
Nippon India Growth Fund: Rs 1,500

Small Cap Fund
Tata Small Cap Fund: Rs 1,000

Analysis of Your Portfolio
Balanced Advantage and Debt Allocation

Your investment in ABSL Balanced Advantage Fund and ABSL Dynamic Bond Fund ensures some stability.
These are good options for reducing volatility but you may want to increase your allocation to debt as you age.
Equity Exposure

Your portfolio is largely tilted towards equity, which is good for long-term wealth accumulation.
You’ve diversified across large-cap, mid-cap, and small-cap funds, providing a balanced risk-reward ratio.
ELSS Funds

Your investment in Parag Parikh and Kotak Tax Saver Funds helps you save taxes under Section 80C.
These funds also generate equity-linked growth for long-term wealth.
Gold Fund

The allocation of Rs 1,000 to Axis Gold Fund is fine but don’t over-allocate. Gold doesn’t offer high returns like equities but acts as a hedge.
Suggested Adjustments and Recommendations
1. Large Cap Fund Duplication
You have several large-cap funds in your portfolio (HDFC Index Fund, Canara Robeco Blue Chip, Axis Blue Chip, and JM Financial Mutual Fund). Large-cap funds tend to perform similarly.
Consider trimming the number of large-cap funds. You could consolidate by choosing one or two top-performing funds.
2. Debt Allocation
You have Rs 1,500 in ABSL Dynamic Bond Fund. To maintain a balanced portfolio, gradually increase your debt allocation over time. This will provide stability as you approach retirement.
Debt funds are less volatile and provide predictable returns.
3. SIP Top-Up Plan
Currently, you don’t plan to top-up your SIPs. However, a 5%-10% annual increment in your SIPs can significantly enhance your wealth accumulation.
A top-up plan helps you stay ahead of inflation and boosts compounding.
4. Tax Efficiency
You’re already investing in ELSS funds, which are tax-efficient.
However, ensure that your overall equity capital gains are monitored. Any long-term capital gains (LTCG) exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.
Be mindful of this while redeeming your funds in the future.
5. Gold Fund
Continue with a small allocation to gold. It provides diversification, but avoid increasing this allocation. Historically, gold offers moderate returns compared to equities.
Long-Term Retirement Planning
NPS Contribution
Your NPS investment of Rs 6,000 monthly is beneficial for retirement planning. NPS offers an additional Rs 50,000 tax benefit under Section 80CCD(1B).
Continue this, but consider increasing the contribution as you approach retirement for a steady post-retirement income.

Debt and Fixed-Income Investments
As you get closer to retirement, shift more towards debt instruments. Consider increasing PPF contributions or adding to other low-risk instruments. Your PPF, LIC, and Sukanya Samriddhi contributions ensure tax-free, risk-free returns.

Final Insights
Your portfolio is well-diversified across various asset classes, providing a good balance of risk and stability. However, simplifying your large-cap exposure, increasing debt allocation gradually, and considering a SIP top-up plan will enhance your long-term financial security.

Continue monitoring and rebalancing your portfolio as you move closer to retirement. Your current strategy has the potential to generate significant returns if maintained and slightly adjusted for optimal performance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Anu Krishna  |1281 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 07, 2024

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Anu Krishna  |1281 Answers  |Ask -

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Help me!!! 1.I'm starting new "work" on my own(challenging for me) but my mind says quit it, be quite & do nothing. I myself don't know that wether the result of work will be +ive or uncompleted like alws. 2. My mind has become like order seeker type, when someone orders me, I do those things with dedicated(but sad from inside) manner. But when myself will try something different(which i fear, but necessary) then. "I QUITS IT" & sometimes I don't even start. 3. I'm like stuck no clue what/whom I want to do in life, I'm in cllg(1 yr) doing (CSE) ,. 4. I want to do/try (sports,talking girls,study,stocks,coding..) many things, but myself, my thoughts(overthinker), R like just be in the place where u are[confused,po*n,think about past/future(being billio..re,olympics..), girl (that u liked & never talked), abusive/beating self,.. sometimes feels like end life, but don't hv courage for that also.. 5. I tried self help books, spirituality, god, self affirmation, writing... & thay affected me(sometimes) but for only some time, then again that devil me comes up &these things never get completed. As no one in my family knows about all these, so that's Y ,I hv to fight/loose/try again, the battles with myself.
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Also, focus on one thing at a time; study and go deep into it...what's this thing with work? I don't understand. When the mind is unsettled, take one thing/activity, pursue it and finish it. It could simply be studying for Year 1 of your college...just only do that...once your mind is trained in completing an activity, you can add another one the next year along with studying and then pursue both...it could be some sport and studying...then the next year, you could add a third activity. This is called 'training the mind in discipline'. Discipline will make sure that you start and finish things...So, go slow and do one thing at a time.

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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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