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Ulhas

Ulhas Joshi  |279 Answers  |Ask -

Mutual Fund Expert - Answered on Dec 26, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Dec 23, 2023Hindi
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Gud Afternun Ulhas, I have a question regarding the choices of my 5 selected mutual funds. I have filtered them out considering diversification of scheme type , across AMCs & their performances in the long term. They are - Mirae Large cap fund, Nippon India multicap, HDFC flexicap, Kotak BAF and Quant small cap. Please suggest if they are okay for 15 years timefrae. I plans to 40k per month split into SIPs of these funds. Kindly suggest right percentage that I can consider allocating to each scheme type. Thank you.

Ans: Hello and thanks for writing to me. As you mention that your timeframe is 15 years, I am assuming that you do not require funds in the 15-year time period.

If this is the case, you can consider investing in a pure equity fund instead of a balanced advantage fund. Balanced advantage funds invest in a mix of debt and equity and as such can deliver returns less than pure equity funds. As your investment horizon is long at 15 years, you can consider starting an SIP in Kotak Emerging Equity or another mid cap fund.
Asked on - Dec 26, 2023 | Answered on Dec 29, 2023
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Thank you for your reply. The reason I included a BAF ,to the list, despite a 15 year horizon , was to add some cushion to portfolio on account of any global shocks, recession, war like scenario if arises. Would it not be prudent to add atleast one multi asset fund or a BAF that will spread the risk better instead of just aiming for returns. ....Am I correct in such thinking or am I wrong as such the risks might well be mitigated via SIP in this 15yr tenure? please advice. Thank you
Ans: Thank you for explaining your rationale. In my opinion, as your time horizon is 15 years, then you can consider investing in an equity scheme, for around 10 years and then start an SIP in a BAF after the 10 year tenure.
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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 29, 2019

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I am 32 and would like to know the following mutual funds are good or not as I am investing in them for more than 5 years around Rs 40,000 each month by SIP mode. Please suggest me if I have to change any.  UTI Transportation and Logistics Fund (dividend and growth both)  UTI Equity Fund (dividend and growth)  UTI Infrastructure Fund (growth)  UTI Midcap Fund (growth)  UTI MNC Fund (dividend) UTI Core Equity Fund (dividend)  UTI Value Opportunity Fund (dividend and growth)  UTI Arbitage Fund UTI Ultra Short-term Fund ICICI Pru India Value Opportunity Fund ICICI Value Discovery Fund ICICI Pru Equity and Debt Fund Please suggest as I am investing almost Rs 40,000 per month in SIP mode. Whether any change is required or not?  Also suggest the best funds for me as I am thinking for 12 to 20 years. Waiting for your valuable comments  
Ans:
Name of the Fund Name of the Fund RankMF Star Rating
UTI Transportation and Logistics Fund(dividend and growth both)     
Growth Equity - Sectoral Fund - Auto 2
Dividend Reinvestment Plan Equity - Sectoral Fund - Auto 1
Dividend Payout Plan Equity - Sectoral Fund - Auto 1
UTI Equity Fund (dividend and growth)     
Growth Equity - Multi Cap Fund 5
Dividend Reinvestment Plan Equity - Multi Cap Fund 5
Dividend Payout Plan Equity - Multi Cap Fund 5
UTI Infrastructure Fund (growth)  Equity - Sectoral Fund - Infrastructure 3
UTI Midcap Fund (growth)  Equity - Mid Cap Fund 2
UTI MNC Fund(dividend)    
Dividend Payout Plan Equity - Thematic Fund - MNC 2
Dividend Reinvestment Plan Equity - Thematic Fund - MNC 2
UTI Core Equity Fund (dividend)     
Dividend Payout Plan Equity - Large & Mid Cap Fund 1
Dividend Reinvestment Plan Equity - Large & Mid Cap Fund 2
UTI Value Opportunity Fund (dividend and growth)    
Growth Equity - Value Fund 4
Dividend Payout Plan Equity - Value Fund 3
Dividend Reinvestment Plan Equity - Value Fund 4
UTI ArbitageFund Hybrid - Arbitrage Fund 4
UTI Ultra Short-term Fund Debt - Ultra Short Duration Fund 5
ICICI Pru India Value Opportunity Fund Equity - Thematic Fund - Other 3
ICICI Value Discovery Fund Equity - Value Fund 2
ICICI PruEquity and Debt Fund Hybrid - Aggressive Hybrid Fund 5

You may continue with funds with 4 and 5 star rated, sector funds to be avoided and good funds in Multicap , Focused and Mid cap should be invested in.

Midcap: Suitable option considering quality and value for money at present levels is DSP Midcap and Axis Midcap

Multicap: Suitable options considering quality and value for money at present levels are UTI Equity Fund, Axis Multicap, Motilal Oswal Multicap 35

Focused: Suitable options considering quality and value for money at present levels are Axis Focused 25 and Motilal Oswal Focused 25

..Read more

Ramalingam

Ramalingam Kalirajan  |7251 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hi experts, Good day. I am Raju 33 years of age. I have 2 girl kids, for their future (study and marriage), I have planned to invest long term 30k monthly in mutual funds by sip. I have selected 5 mutual funds to invest 5k in each 1.ICICI prudential Blue chip fund 2.HDFC midcap opportunities fund 3.Nippon small cap fund 4.ICICI value discovery fund 5.SBI contra fund Can you please review and suggest? Thanks in advance.
Ans: Raju, it's great to hear that you're planning ahead for your children's future through mutual fund investments. Let's review your selected funds:

ICICI Prudential Bluechip Fund: This fund primarily invests in large-cap stocks, offering stability and growth potential. It's a good choice for conservative investors looking for steady returns over the long term.
HDFC Midcap Opportunities Fund: Mid-cap funds like this one focus on investing in medium-sized companies with high growth potential. They can be more volatile than large-cap funds but offer the potential for higher returns over the long term.
Nippon Small Cap Fund: Small-cap funds invest in smaller companies with the potential for rapid growth but also come with higher risk. They are suitable for investors with a higher risk tolerance and a long investment horizon.
ICICI Value Discovery Fund: This fund follows a value investing approach, focusing on undervalued stocks with the potential for long-term growth. It's suitable for investors looking for opportunities in the market's undervalued segments.
SBI Contra Fund: Contra funds aim to identify undervalued stocks that have the potential for a turnaround. They follow a contrarian investment strategy and can be suitable for investors with a long-term investment horizon.
Overall, your selection includes a mix of large-cap, mid-cap, small-cap, and value-oriented funds, providing diversification across different market segments. However, it's essential to consider your risk tolerance and investment goals before finalizing your portfolio. Additionally, regularly review your investments and make adjustments as needed to ensure they remain aligned with your financial objectives. If you're unsure about your investment decisions, consider consulting with a certified financial planner for personalized advice.

..Read more

Ramalingam

Ramalingam Kalirajan  |7251 Answers  |Ask -

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

Money
I am 23 years old & currently investing 10,000 INR per month across five mutual funds: Aditya Birla Sun Life PSU Equity Fund Direct Growth, HDFC Balance Advantage Fund Direct Plan, ICICI Prudential Nifty 50 Index Direct Plan Growth, ICICI Prudential Equity & Debt Fund Direct Growth, and Nippon India Small Cap Fund Direct Growth. I would continue my SIP for 27 years. Could you please review my choices and let me know if they are diversified and stable?
Ans: Reviewing Your Investment Portfolio
Commendable Investment Discipline
At 23, investing Rs 10,000 monthly shows excellent financial foresight. Starting early maximizes the power of compounding, crucial for long-term growth. Your portfolio includes various types of mutual funds, indicating a diversified approach.

Analyzing Your Mutual Fund Choices
Aditya Birla Sun Life PSU Equity Fund Direct Growth
This fund focuses on public sector undertakings (PSUs). Investing in PSUs can be beneficial, as they often provide stable returns. However, sector-specific funds can carry concentration risk.

HDFC Balance Advantage Fund Direct Plan
Balanced advantage funds invest in both equity and debt. They provide a mix of growth and stability, adjusting allocations based on market conditions. This fund type suits investors seeking moderate risk.

ICICI Prudential Nifty 50 Index Direct Plan Growth
Index funds track market indices, offering broad market exposure. They match market returns, which might limit upside potential. Actively managed funds aim to outperform the market, potentially providing higher returns.

ICICI Prudential Equity & Debt Fund Direct Growth
Equity and debt funds balance growth and stability. They diversify investments across stocks and fixed-income securities. This mix reduces volatility while providing growth opportunities.

Nippon India Small Cap Fund Direct Growth
Small-cap funds invest in smaller companies with high growth potential. They offer substantial returns but come with higher risk. Long-term investments help mitigate the volatility associated with small-cap funds.

Assessing Diversification and Stability
Equity and Debt Mix
Your portfolio includes equity-focused and balanced funds. The mix of equity and debt provides a balanced risk-return profile. This diversification helps in achieving stable growth over the long term.

Sector and Market Capitalization
You have exposure to various sectors and market capitalizations. PSU, balanced, index, and small-cap funds cover different market segments. This diversification reduces the risk of poor performance in any single sector.

Recommendations for Improvement
Reducing Concentration Risk
Consider reducing reliance on sector-specific funds like PSU equity funds. Sector concentration can increase risk if the sector underperforms. Diversifying across more sectors can enhance stability.

Emphasizing Actively Managed Funds
Actively managed funds aim to outperform indices, leveraging expert insights. They adjust portfolios based on market conditions, potentially providing higher returns. Index funds, while stable, only match market performance.

Including Large and Mid-Cap Funds
Consider adding large and mid-cap funds to your portfolio. Large-cap funds offer stability through investments in established companies. Mid-cap funds provide growth potential with moderate risk.

Enhancing Debt Allocation
Adding more debt funds can increase stability in your portfolio. Debt funds offer consistent returns with lower risk. This helps balance the high volatility of equity funds.

Importance of Professional Guidance
Benefits of Regular Funds
Investing through regular funds with a Certified Financial Planner (CFP) provides professional guidance. CFPs tailor investment strategies to your goals and risk tolerance. This expertise ensures a well-balanced and effective portfolio.

Disadvantages of Direct Funds
Direct funds lack professional oversight, making informed decisions challenging. Regular funds offer the benefit of expert advice, optimizing investment outcomes. Professional guidance helps in navigating market complexities.

Periodic Portfolio Review
Regular Monitoring
Regularly reviewing your portfolio ensures it remains aligned with your goals. Market conditions and personal circumstances change over time. Periodic reviews help in making necessary adjustments.

Rebalancing Investments
Rebalancing maintains your desired asset allocation. It involves adjusting your portfolio to restore balance, optimizing performance. Regular rebalancing ensures your investments are on track.

Building an Emergency Fund
Financial Security
Ensure you have an adequate emergency fund before increasing investments. This fund should cover at least six months of living expenses. It provides a financial cushion, preventing the need to liquidate investments prematurely.

Understanding Tax Implications
Tax Efficiency
Understanding tax implications helps in maximizing returns. Some mutual funds offer tax benefits, enhancing post-tax returns. Consulting a tax expert or a Certified Financial Planner can optimize your investment strategy.

Conclusion
Your investment strategy is commendable, reflecting a mix of growth and stability. Diversifying further and leveraging professional guidance can enhance your portfolio. Regular reviews will ensure your investments remain aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |7251 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2024

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Hello Sir , I am 39 years old my mutual fund portfolio is 42.02 Lakh as of today doing SIP in Canara Robecoo Blue chip- 5000, HDFC focused 30 -10000, HDFC midcap opportunities-10000, ICICI pruden. Nifty 200 Momentum -10000, Parag Parekh Flexi Cap -10000, SBI contra -10000, SBI Nifty index fund -10000, Tata Small Cap -10000, Moti Lal Oswal Nasdaq 100 - 10000, In total of 85000 Per month with planning to increase 10% every year , I am looking for a horizon of another 7 years to accumulate a corpus of 5 crores / Please guide me if the investment and planning can meet the desired goal or else how much i an expect it to reach ? Any suggestion to add/remove any funds? Any changes required in my investment approach
Ans: Your portfolio value is Rs. 42.02 lakh, which is impressive.

You are investing Rs. 85,000 monthly, which is a significant commitment.

Your SIPs are diversified across categories, including large-cap, mid-cap, and flexi-cap funds.

You have exposure to momentum, thematic, and international funds.

Your plan to increase SIPs by 10% yearly is a positive step.

Assessing Your Corpus Target
Your goal is to accumulate Rs. 5 crores in 7 years.

Equity investments over 7 years may yield good returns due to compounding.

However, achieving Rs. 5 crores depends on consistent returns and SIP increases.

Market fluctuations can impact growth, requiring regular monitoring.

Insights on Fund Allocation
Your portfolio has multiple schemes, which might cause over-diversification.

Too many funds may reduce focus and overlap stock holdings.

Avoid index funds for higher returns. Actively managed funds often outperform.

Direct funds lack personalized advice. Regular plans with Certified Financial Planners add value.

Ensure all funds align with your risk profile and long-term goals.

Suggested Portfolio Changes
Reduce overlapping categories. Focus on fewer, well-performing funds.

Replace underperforming funds with actively managed funds.

Avoid investing in too many thematic or sector-specific funds.

Increase allocation to mid-cap and flexi-cap funds for higher growth potential.

Review international exposure. It should be limited to 10-15% of your portfolio.

Enhancing Investment Strategy
Stick to equity funds for long-term wealth creation.

Avoid debt funds unless needed for short-term goals or stability.

Rebalance your portfolio yearly to align with your goals.

Include funds with consistent performance across market cycles.

Monitor taxation. Plan redemptions to optimise tax impact.

The Disadvantages of Index Funds
Index funds track the market passively.

They cannot outperform the market or take advantage of opportunities.

Actively managed funds are better for high returns over the long term.

Index funds lack professional intervention during volatile phases.

Importance of Regular Plans
Regular plans provide expert guidance from Certified Financial Planners.

Direct funds may seem cost-effective but lack personalised insights.

Regular plans ensure disciplined investing and strategic reviews.

Setting Up a Review Plan
Review your portfolio performance annually.

Assess returns, diversification, and risk-adjusted performance.

Make adjustments based on market conditions and personal financial changes.

Tax Considerations for Mutual Funds
Equity mutual funds have new tax rules.

LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG is taxed at 20%.

Plan withdrawals to minimise tax impact.

Final Insights
Your goal is achievable with disciplined investing and portfolio optimisation.

Avoid over-diversification and focus on fewer, high-performing funds.

Stay committed to SIP increases to accelerate corpus growth.

Consult a Certified Financial Planner for annual reviews and strategic adjustments.

A focused and well-managed portfolio will help you achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7251 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2024

Asked by Anonymous - Dec 10, 2024Hindi
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Hello, I am 55yrs,Male, Single. Working in Pvt Sector. I have no savings till now for my retirement. How do I survive/ How to plan for my survival after retirement. I dont have any property.
Ans: You are 55 years old and single. You have no savings yet for retirement. You also have no property or existing financial backup. Planning for retirement is crucial and requires immediate action. Let us explore a step-by-step approach to building a secure financial future.

Assessing Your Current Situation
At 55, you have limited time to accumulate a large corpus.

Your private sector job may not provide retirement benefits.

You need to estimate your retirement age. Delaying retirement slightly could help.

Assess your current income and expenses to determine how much you can save monthly.

Setting a Retirement Goal
Define your monthly living expenses during retirement. Consider inflation.

Account for medical expenses and any potential health-related emergencies.

Aim for a retirement corpus that can generate enough monthly income to meet your needs.

Immediate Steps to Take
Start Saving Aggressively: Allocate a significant portion of your income for savings.

Emergency Fund: Create a small emergency fund equal to 3-6 months’ expenses.

Avoid Unnecessary Expenses: Reduce discretionary spending to save more.

Investment Options for Retirement
To maximize your savings potential, invest wisely. Diversify your investments across asset classes.

Mutual Funds: Invest in equity-oriented funds for higher returns over the next 5-10 years.

Choose actively managed funds.

Use a Certified Financial Planner for fund selection and monitoring.

PPF (Public Provident Fund): PPF offers safety and decent tax-free returns.

Consider contributing the maximum permissible amount yearly (Rs. 1.5 lakh).
Debt Mutual Funds: Use these for a portion of your savings for stability and predictable returns.

However, note that gains are taxed as per your tax slab.
National Pension Scheme (NPS): A good option for long-term retirement savings.

It provides market-linked returns and tax benefits under Section 80CCD(1B).
Planning Monthly Retirement Income
Use the accumulated corpus to generate regular income.

Systematic Withdrawal Plan (SWP): In mutual funds, SWP provides steady income post-retirement.

Fixed Deposits: Allocate a portion to bank FDs for secure and predictable income.

Senior Citizen Savings Scheme (SCSS): Invest in SCSS post-retirement for assured returns.

Health and Risk Management
Buy a comprehensive health insurance policy immediately.

It will reduce the risk of high medical expenses.
Consider term insurance for the next 10 years to secure your family in case of emergencies.

Stay Disciplined with Your Plan
Stick to your monthly savings and investment plan.

Avoid impulsive withdrawals or unnecessary investments.

Evaluate Your Progress Annually
Review your portfolio every year with a Certified Financial Planner.

Rebalance your portfolio based on performance and market conditions.

Make necessary adjustments if there are changes in your financial situation.

Income Generation Ideas Post-Retirement
Look for part-time or consultancy opportunities to supplement your income.

Consider teaching, freelancing, or advisory roles in your area of expertise.

Focus on Long-Term Sustainability
Do not rely solely on fixed returns. Ensure part of your portfolio is inflation-adjusted.

Monitor your expenses to avoid overspending.

Avoid Common Pitfalls
Avoid locking funds in low-return investments like traditional savings plans.

Stay clear of speculative investments that promise high returns but carry high risks.

Finally
Starting late may seem challenging, but focused action can help build a secure future. Time is limited, so act now. Begin saving, investing, and planning wisely to ensure financial stability in retirement. A disciplined approach, coupled with expert guidance, will help you achieve your retirement goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Janak

Janak Patel  |9 Answers  |Ask -

MF, PF Expert - Answered on Dec 10, 2024

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I am 50 years old. For post retirement monthly income I am planning to to park 1 crore lumpsum to avail monthly SWP later. Should I park this lumpsum in one or divide 50 K each in two or three and more and then keep withdrawing 0.5 % from each as swp. Which will be a better option?
Ans: Hi Satish,

Retirement Corpus needs safety and liquidity along with growth as it has to last a long time.

As your complete requirement is not very clear I will mention some numbers to give you an idea and you can plan based on your actual requirement.
Lets say your monthly expense requirement in 50000 per month i.e. 6 lacs per year. This is an amount for the first year, but with Inflation, it will increase each year.
Depending on your risk profile, the Retirement Corpus needs to be invested after prioritizing the 3 parameters - safety, liquidity and growth.

If you have a low risk profile then invest in safe investments - either Debt funds or Fixed deposits - Risk is Inflation will eventually start reducing your corpus.

If you can handle moderate risk then divide the corpus e.g. Keep 75% in growth (with some safety) funds like the Balanced Advantage/Hybrid funds and rest 25% in safe investment such as Debt funds or Fixed deposits from which you can withdraw for monthly expenses.
In your case 25 lacs in safe investment will help manage approximately 4 years of expenses.
The remaining 75 lacs invested in Balanced Advantage funds will continue to provide growth. So if we assume it grows at 8% every year, plan to withdraw 5~8% of your fund and move it into safe investments.

This way you can plan to have approximately 4 years of expenses in safe investments and give the remaining corpus an opportunity to grow to management and stay ahead of inflation.

The above is just a simple view of looking at the Retirement corpus and managing your expenses, but beyond this there are many other aspects that needs to be considered also, such as your health related requirements, your lifestyle requirements, additional goals/responsibilities towards family and life expectancy as you plan for retirement. This will provide you a more accurate and realistic insight into the retirement plan.

Advice you to approach a Certified Financial Planner to provide a comprehensive and customized guidance/plan to you.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Archana

Archana Deshpande  |89 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 10, 2024

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Career
I am Commerce graduate in which areas can I make my future what are field open for me
Ans: Dear Shree!

Commerce graduates have many career options, I am listing some of them for you-
1.Company Secretary (CS)
A program that teaches corporate governance, company law, compliance, and secretarial practices
2.Chartered Accountant (CA)
A career that involves auditing, taxation, accounting, financial planning, and consulting
2.Investment banker
A career that involves developing financial assets for customers or organizations, and obtaining finance for corporate operations, acquisitions, and mergers
3.Cost Management Accountant (CMA)
A prestigious professional credential that is considered one of the highest-paying career options for commerce students
4.Chartered Financial Analyst (CFA)
A career that involves financial analysis, variant bonds and derivatives, types of portfolios, and investment management
5.Cost accountant
A career that involves assessing cost information, making and maintaining an expenses database, managing cost information, and preparing budget reports
6.Certified Public Accountant (CPA)
A career that involves managing the accounting, reporting, taxation, and auditing processes for businesses, clients, and the government

Some more options for you..
Financial Analyst, HR Manager, Economist, Financial Planner, Actuary, Market Research Analysts, Bank PO (Probationary Officer), Tax Consultant, Teaching students

Can you see the options and the opportunities that are available for you??
You can also focus on further studies too… amassing knowledge and skills can also be your goal.Focus on acquiring wisdom, spend time and energy on worthy tasks, become mentally and physically strong!


Hope this helps… all the very best!

...Read more

Anu

Anu Krishna  |1384 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 10, 2024

Asked by Anonymous - Dec 07, 2024Hindi
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Relationship
Hello Ma'am. Can you tell how can I forget my childhood memories. In my childhood everyone taunts me that I don't look like my mother. I don't look good. My mother has fair skin and I don't have fair skin like her. I have listened to this many times and from many people. So all this words is deeply rooted in my mind and I feel less confidence about myself. I am not confident in approaching someone to chat because at the back of my mind this thing's comes automatically. Due to this I have very low self-confidence. I always feel that I am not good looking. This thought automatically comes to my mind. How can I solve this. How can I increase my self-confidence about myself. Please show me ways
Ans: Dear Anonymous,
And by being fair, there's some great advantage that they all have, is it?
I know that it has been pretty unfair on you that you are not 'fair' and the obsession that some families have over skin color is pretty sickening.
Now, this part of your life is under your control. Either ruin it by bringing the past and 'color' it bad or make it 'colorful' by actually challenging what had happened to you. And how do you do that? By actually not reacting to the past labels; they were in your past. If you accept the way you look and flaunt it, then all these comparisons do not matter. But if you keep replaying the saem music from your past, this is going to continue and make it only worse.
So, accept yourself and every time you feel bad, make sure you tell yourself that your past does not define how your present is...again like any mindset change, this will take time to take effect BUT keep powering on...
Only you can be your best friend and hero, that's it...

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

...Read more

Radheshyam

Radheshyam Zanwar  |1100 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 10, 2024

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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