Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Jigar

Jigar Patel  |267 Answers  |Ask -

Stock Market Expert - Answered on Feb 24, 2023

Jigar Patel is a senior manager (technical research analyst) at Anand Rathi Shares and Stock Brokers.
He has around seven years of experience in the stock markets and specialises in sharing outlooks based on technical analysis.
Patel has a PGPM (Finance) certification from the International Institute of Finance Markets.... more
SANDEEP Question by SANDEEP on Feb 24, 2023Hindi
Listen
Money

CAN I BUY ADANI WILMAR AT CURRENT PRICE OR NOT

Ans: NO
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.
Money

You may like to see similar questions and answers below

Vivek

Vivek Shah  |60 Answers  |Ask -

Financial Planner - Answered on Feb 27, 2023

Listen
Money
Is it good to buy Adani Power now?
Ans: Hello Banibrata,

First of all we need to understand the questions being asked by Hindenberg and try to evaluate whether the allegation made by them makes any sense. If anyone goes through the Hindenberg report than the allegations and questions asked can be bifurcated into below broad categories:

1) Violations of Exchange and listed rules
2) Dubious Intra- Party Transactions
3) Use of Shell companies outside india ( Mauritius) to manuipulate the stock price
4) Money laundering through private Adani companies in listed companies of Adani inorder to look Balance sheet good.
5) Inexperienced Chartered accountants to audit the companies.
6) Using stocks as collateral for debt.

Looking at this points and also the allegations done by Hindenberg, i am fine to believe that there few acts which they taken for granted and manipulate the exchange and listing rules but calling Adani company as CON or Fraud is not what i would call this company. Companies margin are very low as compared to their cost of capital but being an infrastructure led company its takes long gestation period to realise the cash flows. Adani is playing important role in building infrasturcture in India with ports, power, airports etc and even though company is highly levered to build the assets and cash flow, the company has good physical assets in the balance sheet. Even though it may not a investible company for a retail invstor with the sort of volatility and margins they are earning.

Valuations are very much stretch with last 2 years price going to the roof. As a retail investor, one should avoid this company due to many uncertainties going forward.


Disclaimer: This is just for educational purpose and this should not be taken as advise for buy or sell.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |3809 Answers  |Ask -

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

Asked by Anonymous - Jun 18, 2024Hindi
Money
Good afternoon sir,Sir i am 27 years old and my salary is around 80k,i have been working since 1 year and has neither savings nor debt as of now. I am unmarried and my monthly expenses including rent,grocery,water and electricity constitute around 20k,i have emi of 1 yr tenure collectively of around 10k. Ihave monthy expenditure on flights of around 7k.Sir please guide on how to save big and also contribute effectively to my old parents.Thank you sir.
Ans: It's admirable that at 27, you're keen on managing your finances effectively and also supporting your parents. Starting early gives you a significant advantage for building wealth and ensuring financial security. Let’s develop a comprehensive plan to help you save, invest, and contribute to your family’s well-being.

Understanding Your Current Financial Position
First, let’s break down your current financial situation to identify areas for saving and investment:

Monthly Income and Expenses:
Salary: Rs 80,000 per month.
Fixed Expenses: Rs 20,000 (rent, groceries, utilities).
EMI: Rs 10,000 (one-year tenure).
Travel Expenses: Rs 7,000 for flights.
Remaining Disposable Income: Rs 43,000.
With Rs 43,000 left each month after essential expenses, you have a good opportunity to save and invest.

Establishing a Solid Savings Plan
1. Build an Emergency Fund
Importance of an Emergency Fund:

An emergency fund provides a financial cushion for unexpected expenses like medical emergencies or job loss.
Aim to save 3-6 months’ worth of living expenses.
Start with Small Steps:

Begin by setting aside Rs 10,000 per month until you accumulate your target amount.
Keep this fund in a high-interest savings account for easy access and growth.
2. Automate Your Savings
Set Up Automatic Transfers:

Arrange for a fixed amount to be automatically transferred to your savings account each month.
This approach ensures consistent saving without relying on manual effort.
Pay Yourself First:

Prioritize saving as if it’s a non-negotiable expense.
Transfer funds to your savings as soon as you receive your salary.
3. Create a Budget
Track Your Expenses:

Use a budgeting app or spreadsheet to record all your monthly expenses.
Identify areas where you can cut back or optimize spending.
Allocate Funds Wisely:

Designate specific amounts for savings, investments, and discretionary spending.
Stick to your budget to avoid unnecessary expenses.
Investing for Long-Term Growth
1. Understanding Investment Options
Mutual Funds:

Mutual funds are managed by professional fund managers who invest in a diversified portfolio.
They offer various options, including equity, debt, and hybrid funds, catering to different risk profiles.
Systematic Investment Plan (SIP):

SIP allows you to invest a fixed amount regularly in mutual funds.
It helps in averaging the purchase cost and benefiting from market fluctuations over time.
Public Provident Fund (PPF):

PPF is a government-backed savings scheme with attractive interest rates and tax benefits.
It’s a safe investment option for long-term savings.
2. Diversify Your Investments
Equity Mutual Funds:

Allocate a portion of your savings to equity mutual funds for higher returns.
Choose funds with a mix of large-cap, mid-cap, and small-cap stocks for diversification.
Debt Funds:

Invest in debt funds for stable returns and lower risk.
They provide income through interest payments and are less volatile than equity funds.
Balanced Approach:

Maintain a balanced portfolio with a mix of equity and debt funds.
This strategy helps manage risk while aiming for growth.
3. Set Clear Financial Goals
Define Your Objectives:

Identify your short-term and long-term financial goals, such as buying a car, saving for a house, or retirement.
Set specific, measurable, achievable, relevant, and time-bound (SMART) goals.
Align Investments with Goals:

Choose investment options that align with your risk tolerance and time horizon for each goal.
For example, equity funds for long-term goals and debt funds for short-term needs.
Managing Expenditures Effectively
1. Optimize Monthly Expenses
Review and Reduce:

Regularly review your monthly expenses to identify unnecessary costs.
Look for ways to reduce spending on non-essential items like dining out and subscriptions.
Budget for Discretionary Spending:

Allocate a fixed amount for discretionary expenses, including leisure activities and personal purchases.
Stick to this budget to avoid overspending.
2. Plan for Big Expenses
Travel and Lifestyle Costs:

Set aside a specific budget for your monthly travel expenses, such as flights.
Look for ways to minimize costs, such as booking in advance or using rewards points.
Plan for Major Purchases:

Save up for significant purchases rather than relying on loans or credit.
This approach prevents additional debt and financial stress.
Supporting Your Parents Financially
1. Assess Their Financial Needs
Understand Their Situation:

Discuss with your parents their financial needs and any existing expenses or debts.
Determine how much support they require and in what form (e.g., monthly allowance, medical expenses).
Create a Support Plan:

Develop a plan to contribute to your parents’ financial well-being.
This could include regular transfers, paying specific bills, or setting aside funds for emergencies.
2. Integrate Support into Your Budget
Allocate Funds for Family Support:

Include your contribution to your parents in your monthly budget.
Ensure this allocation doesn’t compromise your savings and investment goals.
Consider Joint Investments:

Explore joint investment opportunities that benefit both you and your parents.
For example, investing in a senior citizen savings scheme that provides regular income.
3. Encourage Financial Independence
Discuss Financial Planning with Your Parents:

Encourage them to plan for their financial future, considering their retirement and medical needs.
Offer to help them understand and manage their finances better.
Support with Knowledge and Resources:

Provide information and resources on managing finances and investments.
Help them make informed decisions about their financial security.
Building a Strong Financial Future
1. Continue Professional and Personal Development
Invest in Your Career:

Focus on advancing your career to increase your earning potential.
Seek opportunities for skill development, certifications, and networking.
Personal Growth and Financial Literacy:

Continuously improve your financial knowledge and personal development.
Stay informed about investment strategies, market trends, and financial planning.
2. Plan for Major Life Events
Marriage and Family Planning:

Consider future expenses related to marriage, starting a family, and children’s education.
Begin saving and investing early for these life events.
Home Ownership:

If you plan to buy a house, start saving for a down payment and research home loan options.
Factor in long-term costs like maintenance and property taxes.
3. Secure Your Future with Insurance
Health Insurance:

Ensure you have adequate health insurance to cover medical expenses.
This protection is crucial to avoid depleting your savings during emergencies.
Life Insurance:

Consider life insurance to secure your family’s financial future in case of unforeseen events.
Choose a policy that provides sufficient coverage based on your dependents’ needs.
Final Insights
At 27, you have a great opportunity to build a strong financial foundation. By prioritizing savings, diversifying investments, and managing your expenses effectively, you can achieve your financial goals and contribute to your family’s well-being.

Focus on creating a robust emergency fund and automate your savings to ensure consistency. Diversify your investments to balance risk and growth, and align them with your financial goals. Optimize your monthly expenses and plan for significant expenditures, while also supporting your parents financially and encouraging their independence.

Continue to invest in your personal and professional development, plan for major life events, and secure your future with adequate insurance coverage. With disciplined planning and a clear strategy, you can save significantly, invest wisely, and contribute effectively to your parents’ needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |3809 Answers  |Ask -

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

Asked by Anonymous - Jun 18, 2024Hindi
Money
Hi ! I am an 31 year old working in a MNC, My monthly salary is 64000 and my fixed monthly expense are around 22000 and entertainment, outing expenses are 12000 . I do not have any savings and started working only for 6 months , could you suggest me some investment options , additionally my spouse earns around 10000 per month . I would like to make some short term and long term investments as well, since my company does not provide PF , and annualy I need to spend on ?10000 for insurance and another ?30000 for family expenses. Could you please advise me how I should start my investment plans , for short term and long term goals ,we are planning to have a child after 1-2 years.
Ans: Assessing Your Current Financial Situation
Income and Expenses
Your monthly salary is Rs. 64,000. Your spouse earns Rs. 10,000 monthly, bringing your total household income to Rs. 74,000.

Your fixed monthly expenses are:

Fixed Expenses: Rs. 22,000
Entertainment and Outings: Rs. 12,000
Annual expenses include:

Insurance: Rs. 10,000
Family Expenses: Rs. 30,000
This means your total monthly expenditure is Rs. 34,000, leaving you with a surplus of Rs. 40,000 for savings and investments.

Building an Emergency Fund
Importance of an Emergency Fund
An emergency fund is crucial for unexpected expenses, such as medical emergencies, job loss, or urgent home repairs. It provides financial security and peace of mind.

Recommended Fund Size
Aim to save at least six months’ worth of living expenses. Given your current monthly expenses of Rs. 34,000, you should target an emergency fund of Rs. 2,04,000.

Setting Up the Fund
Start by allocating a portion of your monthly surplus to a high-yield savings account or a liquid mutual fund. This ensures the fund is accessible and earns a reasonable return.

Short-Term Investment Options
Importance of Short-Term Investments
Short-term investments provide liquidity and flexibility for immediate financial goals, such as travel, car purchase, or a down payment for a house.

Recommended Instruments
Recurring Deposits (RD): A low-risk option with fixed returns.
Fixed Deposits (FD): Suitable for short-term goals with guaranteed returns.
Debt Mutual Funds: Provide better returns than savings accounts and FDs, with low risk.
Long-Term Investment Options
Importance of Long-Term Investments
Long-term investments help you build wealth over time for major life goals, such as children's education, retirement, and buying a house.

Recommended Instruments
Public Provident Fund (PPF): Offers tax benefits and guaranteed returns over a 15-year period.
Employee Provident Fund (EPF): Though your company doesn’t provide PF, consider a voluntary provident fund (VPF) if possible.
National Pension System (NPS): Provides a retirement corpus with tax benefits and market-linked returns.
Mutual Funds: Equity mutual funds for long-term growth, balanced mutual funds for moderate risk.
Retirement Planning
Importance of Early Planning
Starting early for retirement ensures you benefit from the power of compounding, leading to a larger corpus.

Strategy
NPS: Invest in NPS for its dual benefit of retirement planning and tax savings.
Equity Mutual Funds: Continue SIPs in equity mutual funds to build a significant corpus over time.
Child Planning and Future Expenses
Anticipating Future Costs
Planning for a child involves anticipating expenses related to healthcare, education, and other needs.

Investment Strategy
Child-Specific Mutual Funds: These funds are designed to meet the financial needs of children.
PPF and Sukanya Samriddhi Yojana (SSY): For long-term education planning, especially for a girl child.
Insurance Planning
Health Insurance
Ensure you have adequate health insurance to cover medical emergencies. Consider a family floater plan for comprehensive coverage.

Life Insurance
Adequate life insurance ensures financial security for your family in case of unforeseen events. Term insurance is the most cost-effective option.

Tax Planning
Maximizing Tax Benefits
Utilize tax-saving instruments under Section 80C, such as PPF, NPS, and ELSS mutual funds. Consider tax benefits from health insurance premiums under Section 80D.

Investment Allocation
Balance your investments between debt and equity to optimize tax savings and returns. Ensure you take full advantage of tax deductions available.

Reviewing and Adjusting Your Plan
Periodic Review
Regularly review your financial plan to ensure it remains aligned with your goals and market conditions.

Flexibility
Be flexible and adjust your investment strategies based on life changes, such as career growth, birth of a child, or changes in financial goals.

Sample Investment Plan
Short-Term Goals (1-5 years)
Emergency Fund: Rs. 10,000 per month in a high-yield savings account until Rs. 2,04,000 is saved.
Recurring Deposit: Rs. 5,000 per month for immediate goals.
Long-Term Goals (5+ years)
PPF: Rs. 12,000 annually for tax savings and long-term growth.
NPS: Rs. 6,500 per month for retirement planning.
Equity Mutual Funds: Rs. 20,000 per month for wealth creation.
Child Education Fund: Rs. 10,000 per month in child-specific mutual funds or Sukanya Samriddhi Yojana.
Ensuring Adequate Insurance Coverage
Health Insurance
Coverage Amount: Rs. 5 lakhs for you and your spouse.
Premium: Allocate Rs. 1,000 monthly for health insurance.
Life Insurance
Coverage Amount: 10 times your annual income.
Premium: Term insurance premium of Rs. 500 monthly.
Creating a Balanced Portfolio
Diversification
Ensure your portfolio is diversified across different asset classes to manage risk and maximize returns.

Rebalancing
Periodically rebalance your portfolio to maintain the desired asset allocation based on your risk tolerance and financial goals.

Managing Debt
Home Loan Considerations
If you plan to buy a house, ensure your home loan EMI does not exceed 40% of your take-home pay.

Credit Card and Other Debts
Avoid high-interest debts like credit card balances. If necessary, consolidate and pay off these debts quickly.

Leveraging Your Spouse’s Income
Joint Planning
Combine your spouse's income for a comprehensive financial plan. Allocate her income towards joint financial goals and emergency fund.

Investment Strategy
Encourage your spouse to invest in tax-saving instruments and SIPs to complement your financial plan.

Final Insights
By starting early and following a disciplined approach, you can achieve both your short-term and long-term financial goals.

Focus on building an emergency fund first, then diversify your investments across various asset classes for optimal growth. Ensure adequate insurance coverage and regularly review your financial plan to stay on track.

Invest in tax-saving instruments to maximize returns and tax benefits. Planning for future expenses, such as child education and retirement, will ensure financial stability and peace of mind.

Seek guidance from a Certified Financial Planner to tailor these strategies to your specific needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |3809 Answers  |Ask -

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

Asked by Anonymous - Jun 18, 2024Hindi
Money
Hi what shall I do with below investments in mutual funds through SIP for next 20 years 1. SBI PSU direct plan growth 2. Aditya Birla Sun life PSU equity fund direct growth 3. ICICI prudential infrastructure direct growth I am looking for next 20 years in these mutual funds
Ans: Your commitment to long-term investing, particularly over a 20-year horizon, is commendable. Your selection includes sector-specific funds focusing on PSU and infrastructure. Understanding how these funds align with your goals and market trends is essential for maximizing your portfolio’s potential. Let’s delve into a detailed analysis and provide strategies for your investments in:

SBI PSU Direct Plan Growth
Aditya Birla Sun Life PSU Equity Fund Direct Growth
ICICI Prudential Infrastructure Direct Growth
Understanding Sector-Specific Funds
Sector-specific funds, such as PSU and infrastructure-focused funds, invest predominantly in companies within a particular sector. These funds can offer substantial returns but come with higher risk due to their concentrated exposure.

Public Sector Undertaking (PSU) Funds
PSU funds invest in companies owned or controlled by the government. These companies often operate in sectors like banking, oil and gas, and utilities. PSU stocks can be attractive for their stability and dividends but can be influenced by government policies and economic conditions.

Infrastructure Funds
Infrastructure funds invest in companies involved in infrastructure development, such as construction, transportation, and utilities. These sectors are crucial for economic growth and can benefit from increased government spending on infrastructure projects. However, they are also sensitive to regulatory changes and economic cycles.

Evaluating Your Current Investments
1. SBI PSU Direct Plan Growth
Strengths:

Stability and Government Backing: PSU companies typically have strong backing from the government, providing a sense of stability.
Dividend Potential: Many PSU companies offer attractive dividend yields, providing a source of regular income.
Long-term Growth Potential: With a focus on essential services and industries, PSU companies can offer steady long-term growth.
Challenges:

Policy Sensitivity: PSU stocks can be significantly affected by changes in government policy, impacting their performance.
Underperformance in Certain Phases: Historically, PSU stocks may underperform during periods when private sector growth outpaces government-driven initiatives.
2. Aditya Birla Sun Life PSU Equity Fund Direct Growth
Strengths:

Concentrated Investment in Established Firms: This fund focuses on established government-run enterprises with a long operational history.
Lower Volatility: PSU funds can be less volatile compared to private sector-focused funds, especially during market downturns.
Sector Diversification: PSUs often span multiple sectors like energy, finance, and utilities, providing sectoral diversification.
Challenges:

Limited Growth in Certain Sectors: Some PSUs may have limited growth potential compared to more dynamic private companies.
Government Interference: Being government-controlled, PSUs might face bureaucratic challenges and slower decision-making processes.
3. ICICI Prudential Infrastructure Direct Growth
Strengths:

Focus on Economic Growth: Infrastructure funds benefit from increased spending on infrastructure projects, which are crucial for economic development.
Potential for High Returns: These funds can offer substantial returns, especially during periods of economic expansion and increased infrastructure spending.
Diversified Sector Exposure: Infrastructure funds often invest in a variety of sectors such as transportation, energy, and utilities.
Challenges:

Economic Sensitivity: Performance can be closely tied to the economic cycle, with significant risks during economic downturns.
Regulatory Risks: Changes in government policy and regulations can impact the profitability and growth prospects of infrastructure companies.
Strategic Recommendations for the Next 20 Years
Given your 20-year investment horizon, it’s important to balance sector-specific exposure with a diversified and adaptable investment strategy. Here’s how you can navigate your investments in these funds over the long term:

1. Maintain Sector-Specific Investments with Regular Review
Periodic Assessment of Sector Performance:

Regularly review the performance and outlook of the PSU and infrastructure sectors.
Assess how government policies, economic conditions, and market trends impact these sectors.
Rebalance Based on Market Cycles:

During periods of strong government investment and economic growth, your PSU and infrastructure funds may perform well.
Rebalance your portfolio if these sectors underperform relative to the broader market or your expectations.
2. Diversify Beyond Sector-Specific Funds
Introduce Broad-Based Equity Funds:

Complement your sector-specific funds with broad-based equity funds covering various market segments.
This diversification can mitigate the risk associated with concentration in PSU and infrastructure sectors.
Consider International Exposure:

Explore funds with international exposure to diversify geographically and reduce reliance on domestic economic conditions.
International funds can provide access to global growth opportunities and reduce sector-specific risks.
3. Adapt to Changing Market Conditions
Flexibility in Allocation:

Be open to adjusting your investment allocation based on changing market conditions and economic trends.
This flexibility can optimize returns and reduce risk over your 20-year investment period.
Monitor Economic Indicators:

Keep an eye on economic indicators that affect PSU and infrastructure sectors, such as government budgets and infrastructure spending.
Adjust your investment strategy to align with economic forecasts and policy changes.
4. Leverage Professional Guidance
Consult with a Certified Financial Planner (CFP):

Engage a CFP to provide personalized advice and ensure your investments align with your long-term goals.
A CFP can offer insights into market trends and help optimize your portfolio for sustained growth.
Utilize Mutual Fund Distributors (MFDs):

Work with MFDs who have CFP credentials to gain access to a range of funds and professional fund management expertise.
This approach can enhance your investment strategy and provide tailored recommendations.
5. Emphasize Long-Term Growth Potential
Focus on Compounding and Patience:

Given your 20-year horizon, leverage the power of compounding by staying invested and avoiding frequent withdrawals.
Patience is key to realizing the full growth potential of your investments.
Look for Emerging Opportunities:

Stay informed about new growth opportunities within PSU and infrastructure sectors.
Emerging technologies and infrastructure developments can offer substantial returns over the long term.
6. Manage Risk and Volatility
Implement Risk Management Strategies:

Use risk management strategies like asset allocation and diversification to balance risk in your portfolio.
Consider adding debt funds or bonds to provide stability and reduce overall portfolio volatility.
Regularly Reevaluate Risk Tolerance:

Periodically reassess your risk tolerance to ensure your investment strategy aligns with your financial situation and goals.
Adjust your portfolio as needed to reflect changes in your risk appetite over time.
7. Keep Track of Fund Performance and Changes
Monitor Fund Performance:

Regularly track the performance of your PSU and infrastructure funds against benchmarks and market indices.
Evaluate the fund managers’ strategies and performance relative to their peers.
Be Aware of Fund Management Changes:

Stay informed about any changes in the management of your funds, as new managers may bring different investment approaches.
Assess how these changes impact the fund's strategy and performance.
8. Stay Committed to Your Investment Plan
Consistency and Discipline:

Maintain a disciplined approach to investing by consistently contributing to your SIPs.
Avoid making impulsive decisions based on short-term market movements.
Review and Adjust Periodically:

Conduct regular reviews of your investment strategy and make adjustments based on your financial goals and market conditions.
Ensure that your portfolio remains aligned with your long-term objectives.
Final Insights
Investing in sector-specific funds like PSU and infrastructure requires a strategic approach, particularly over a long-term horizon of 20 years. Your current investments in SBI PSU Direct Plan Growth, Aditya Birla Sun Life PSU Equity Fund Direct Growth, and ICICI Prudential Infrastructure Direct Growth position you to benefit from government-backed enterprises and infrastructure development.

To maximize returns and manage risks, consider diversifying your portfolio with broad-based and international equity funds. This diversification reduces reliance on sector-specific performance and provides exposure to broader market growth.

Regularly review your investments, monitor economic indicators, and stay flexible in your allocation strategy. Engage with certified professionals for tailored advice and leverage their expertise to optimize your investment plan.

Remember, patience and discipline are key to long-term investing. By staying committed to your strategy and making informed adjustments, you can achieve your financial goals and build a secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Kanchan

Kanchan Rai  |242 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 18, 2024

Listen
Relationship
Hi, myself Manjur Rahman from Assam India. I work as a Telecommunication engineer in Radio Frequency and optimisation test, my yearly net worth is 252000 only , recently I have been through a relationship... which now possibly became a part of my life, after thousands of search i finally found my love of my life which is for real, its been just 9month till today, i found her in my life, we planned to be open infront of our parents and families, and so our parents met and they fixed our marriage, yet date not fixed but we took 7more months, now the thing is that , we both became more sentimental and stubborn , being rude and i feel like after all this our love and care which is really too much but now little bit of it is missing from both , qnd now after a fight we don't talk to each other for more then 5days , slowly2 days were increased, where we can't stay more than 1hr after a argue, before...and she use to say all the time even after a small argument..i don't want to stay with you, lets break this relationship even i do agree at the time of ...you know what i mean..! Where earlier we both use to say if one can say for leaving then obviously he she can leave because one day definitely he she will leave if being in a good relationship if one can say the word 'leave you / break up'. Now we are doing it..and also much More .. Her name is Rasmina Begum, also from same district but 50km distance from me... please let me know if there is any good things so we could do together for making our relationship perfect more than before and letting it till last breath ????...
Ans: Manjur.
Navigating the ups and downs of a relationship, especially as you move towards marriage, can be challenging but deeply rewarding. It’s clear you and Rasmina care deeply for each other.

Start with better communication. Listening actively to each other without planning your response is crucial. When Rasmina shares her feelings, focus entirely on understanding her perspective. This shows respect and helps in reducing misunderstandings. Additionally, express your emotions calmly using "I feel" statements. For example, say "I feel upset when..." instead of "You always...". This shifts the conversation from blame to sharing feelings, making it easier to connect and respond with empathy.

Conflicts are natural, but how you handle them makes all the difference. If arguments get heated, taking a short break can help you both cool down and revisit the discussion with a clearer mind. After an argument, it's important to reconnect with simple gestures of kindness or a reassuring word, reaffirming your commitment to each other and healing any emotional rift.
Healthy relationships thrive on both shared experiences and personal growth. Encourage each other to pursue individual interests, which keeps you both energized and brings fresh perspectives into the relationship. At the same time, find activities you enjoy doing together to build positive memories and deepen your bond.

Finally, regularly remind yourselves of why you fell in love and the future you’re building together. Reflect on your shared dreams and celebrate your journey. This helps keep your connection strong and resilient through challenging times.

By focusing on these aspects—improved communication, constructive conflict resolution, balancing individuality with togetherness, and reaffirming your commitment—you and Rasmina can strengthen your relationship and look forward to a fulfilling life together.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x