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Should I withdraw from my tax-saving SIPs as I don't need tax rebate?

Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Anant Question by Anant on Jul 22, 2024Hindi
Money

Hi, i had SIP's in DSP Black Rock Tax Saver & Nippon India Tax Saver funds. As i don't need any Tax Rebate anymore. I had stopped SIP in both fund a year ago. However, i have not withdrawn the funds. Is it wise to keep the amount there or should i withdraw and invest the accumulated amount in any other funds. Just fyi, i am alread investing in Canara Robeco Blue Chip, PGIM Flexi Cap. HDFC MID Cap, ICICI Value Discovery & Nippon India Small Cap Fund.

Ans: You’ve taken a thoughtful step by assessing the need for tax-saving investments. Since you no longer require tax rebates, you've stopped SIPs in tax-saving funds. You now face the decision of whether to leave your investments in these funds or reallocate them.

Your current portfolio includes a diversified mix of large-cap, flexi-cap, mid-cap, and small-cap funds. This is a solid foundation. Let’s explore the best course of action for your discontinued tax-saving funds.

Should You Continue Holding the Tax-Saving Funds?
Performance Evaluation
The first step is to evaluate the historical performance of the tax-saving funds you've stopped. These funds are equity-linked savings schemes (ELSS) and, like other equity funds, their performance can vary.
If these funds have consistently performed well and aligned with your long-term financial goals, there may be no immediate need to withdraw. Even without the tax benefit, they could still contribute positively to your portfolio.
However, if the performance has been subpar, holding them could mean missed opportunities for better returns elsewhere.
Liquidity and Lock-In Period
ELSS funds typically come with a three-year lock-in period. Since you’ve been investing for more than a year, some of your units may be locked in.
Consider whether the liquidity of these funds aligns with your financial needs. If you don’t need immediate access to these funds, holding them might not be a concern.
If liquidity is important, especially in case of any upcoming financial needs, you might consider withdrawing the units that have completed the lock-in period.
Alignment with Financial Goals
Evaluate whether these funds still align with your current financial goals. Since your need for tax rebates has changed, your investment strategy might also need adjustment.
If your focus has shifted to growth-oriented funds, and these tax-saving funds do not fit that strategy, it may be wise to reallocate.
Reallocating to Better Opportunities
Diversifying Further
Your current portfolio includes large-cap, flexi-cap, mid-cap, and small-cap funds. This is a well-rounded approach, but there is always room for fine-tuning.
Consider reallocating the corpus from your tax-saving funds into funds that match your current risk appetite and financial goals. Actively managed funds can offer better returns compared to passive index funds, especially in a market where active management can capture alpha.
Funds focusing on emerging sectors, thematic funds, or sector-specific funds could add a new dimension to your portfolio, provided they align with your goals and risk tolerance.
Reviewing Current Portfolio Overlaps
With multiple funds in your portfolio, check for any overlaps in holdings. Often, different funds may invest in similar stocks, which can reduce the diversification benefits.
If your tax-saving funds have significant overlap with your existing funds, reallocating might be the right move to avoid concentration risk.
Regular vs. Direct Funds
Since you mentioned that you’re not using index funds, it’s essential to highlight the potential drawbacks of direct funds. While direct funds have lower expense ratios, they require active monitoring and decision-making.
Investing through a regular plan via a Certified Financial Planner offers the benefit of expert guidance. This ensures your investments are regularly reviewed and adjusted according to market conditions and personal circumstances.
Strategic Reinvestment Options
Large-Cap Funds
Large-cap funds provide stability and consistent returns, making them an essential part of any balanced portfolio. They invest in established companies with strong market presence.
Reinvesting in a large-cap fund could be a prudent choice, particularly if you prefer stability with moderate returns.
Flexi-Cap Funds
Flexi-cap funds provide the flexibility to invest across large, mid, and small-cap stocks. This flexibility can offer a balanced risk-return profile.
If you’re looking for a fund that adapts to changing market conditions, reinvesting in a flexi-cap fund could be advantageous.
Mid-Cap and Small-Cap Funds
Mid-cap and small-cap funds offer higher growth potential but come with increased volatility. They are ideal for investors with a higher risk tolerance and a longer investment horizon.
If your financial goals align with higher returns and you can withstand short-term fluctuations, these funds can be excellent candidates for reinvestment.
Tax Considerations on Withdrawal
Capital Gains Tax
When withdrawing from your ELSS funds, remember that capital gains tax will apply. Long-term capital gains (LTCG) over Rs. 1.25 lakh are taxed at 12.5% without indexation benefits.

Assess the tax implications of withdrawing your funds. If you decide to withdraw, consider spreading out the withdrawals over a few financial years to minimize your tax liability.
Tax Efficiency in Reinvestment
Consider the tax efficiency of the funds you plan to reinvest in. Some funds may offer better post-tax returns compared to others, especially in the case of debt-oriented funds.
ELSS funds themselves are tax-efficient, but without the need for tax rebates, your focus should shift to funds that provide optimal post-tax returns.
Final Insights
Your decision to stop SIPs in tax-saving funds aligns with your current needs. However, whether to continue holding these funds or reallocate depends on multiple factors. It’s crucial to evaluate the performance of these funds, consider their alignment with your financial goals, and assess any liquidity needs. If you find that these funds no longer fit your strategy, reallocating to funds that offer better growth potential and align with your risk profile could be the right move. Your existing portfolio is already well-diversified, but there’s always room for optimization. Whether you choose to stay invested in these tax-saving funds or move to other opportunities, ensuring that your portfolio remains aligned with your financial goals and risk tolerance is key.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Asked by Anonymous - Oct 20, 2023Hindi
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sir, I have invested through SIP in Mirae Asset emerging blue chip fund,(current value 3.5 lakhs) Aditya Birla Sunlife 96 tax relief(current value2.50lakhs), Axis long term Equity fund(current value 1.8 lakhs), Canara Robeco Equity tax saver fund(current value 1.20 lakhs), Sundaram Diversified equity (Current value 1.lakh) and i have stopped SIP 3 years back in all these funds and not withdrawn any amount. suggest to keep the amount in these funds as it is or withdraw and invest lumpsum in some other funds
Ans: Assessing Your Mutual Fund Portfolio for Optimal Growth

Current Portfolio Overview:

Your current mutual fund portfolio comprises several funds across different categories, including Mirae Asset emerging blue chip fund, Aditya Birla Sunlife 96 tax relief, Axis long term Equity fund, Canara Robeco Equity tax saver fund, and Sundaram Diversified equity.

Evaluation of Current Investments:

Your portfolio demonstrates a diversified approach, spanning both large-cap and tax-saving funds.

Assessment of Fund Performance:

Mirae Asset Emerging Blue Chip Fund: This fund has shown consistent performance historically and may continue to deliver good returns over the long term.

Aditya Birla Sunlife 96 Tax Relief: As a tax-saving fund, it offers the dual benefit of tax savings under Section 80C and potential capital appreciation.

Axis Long Term Equity Fund: This ELSS fund has a track record of delivering robust returns and can be considered for long-term wealth creation.

Canara Robeco Equity Tax Saver Fund: Similar to other ELSS funds, it offers tax benefits along with the potential for capital appreciation.

Sundaram Diversified Equity Fund: This fund focuses on diversified equity investments and aims to generate wealth over the long term.

Recommendations:

Review Fund Performance: Evaluate the performance of each fund against its benchmark and peers to ensure it aligns with your investment objectives.

Consider Market Conditions: Assess the current market conditions and economic outlook to gauge the potential performance of your funds in the future.

Consult a Certified Financial Planner: Seek guidance from a Certified Financial Planner (CFP) to review your investment strategy and make informed decisions based on your financial goals, risk tolerance, and investment horizon.

Consolidate and Rebalance: Consider consolidating your mutual fund holdings to streamline your portfolio and reduce overlap. Rebalance your portfolio periodically to maintain an optimal asset allocation mix.

Stay Invested for the Long Term: Avoid making impulsive decisions based on short-term market fluctuations. Stay invested for the long term to benefit from the power of compounding and potential wealth creation.

Final Thoughts:

In conclusion, maintaining a well-diversified mutual fund portfolio is essential for long-term wealth creation. Regularly monitor your investments, review fund performance, and seek professional advice to make informed decisions aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

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

Asked by Anonymous - Oct 25, 2023Hindi
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Money
sir, I have invested through SIP in Mirae Asset emerging blue chip fund,(current value 3.5 lakhs) Aditya Birla Sunlife 96 tax relief(current value2.50lakhs), Axis long term Equity fund(current value 1.8 lakhs), Canara Robeco Equity tax saver fund(current value 1.20 lakhs), Sundaram Diversified equity (Current value 1.lakh) and i have stopped SIP 3 years back in all these funds and not withdrawn any amount. suggest to keep the amount in these funds as it is or withdraw and invest lumpsum in some other funds
Ans: Your dedication to investing and the discipline to not withdraw funds is commendable. Let's assess your current portfolio and make informed decisions about the next steps.

Current Portfolio Overview

You have invested in a mix of large-cap, tax-saving, and diversified equity funds. The current value of your investments totals Rs 10.2 lakhs. Stopping SIPs three years ago and holding onto these investments shows patience and long-term thinking.

Evaluating Existing Funds

Mirae Asset Emerging Bluechip Fund: This fund has a good track record and strong performance in the mid-cap segment.

Aditya Birla Sun Life Tax Relief 96: A well-established ELSS fund with consistent returns.

Axis Long Term Equity Fund: Another strong performer in the ELSS category with good returns.

Canara Robeco Equity Tax Saver Fund: Known for its balanced approach in the ELSS category.

Sundaram Diversified Equity Fund: Provides diversification but may not be performing as well as other funds.

Assessing Fund Performance and Strategy

Review the performance of each fund over the last three years. Compare them to their benchmarks and peer funds. Consider the following steps based on this assessment:

Continuing with High Performers

Keep the funds that have shown consistent performance and align with your risk tolerance. These include Mirae Asset Emerging Bluechip, Aditya Birla Sun Life Tax Relief 96, and Axis Long Term Equity.

Re-evaluating Underperformers

Funds like Sundaram Diversified Equity should be re-evaluated. If they consistently underperform, consider switching to better-performing funds.

Lump Sum Investment Strategy

If you decide to switch underperforming funds, invest the proceeds as a lump sum in well-performing funds. Consider the following options:

Diversifying with Large-Cap and Balanced Funds

Invest in large-cap and balanced funds for stability and steady growth. These funds provide less volatility and consistent returns.

Sectoral and Thematic Funds

While sectoral funds can offer high returns, they come with higher risk. Consider them for a small portion of your portfolio.

Advantages of Actively Managed Funds

Actively managed funds adapt to market changes and aim to outperform benchmarks. Professional management can enhance returns compared to passive index funds.

Disadvantages of Index Funds

Index funds merely track market indices and may not perform well during market downturns. They lack the adaptability of actively managed funds.

Benefits of Investing Through a Certified Financial Planner

A Certified Financial Planner provides tailored advice and professional oversight. This ensures your portfolio aligns with your financial goals and risk tolerance.

Disadvantages of Direct Funds

Direct funds have lower expense ratios but lack professional guidance. Investing through a certified planner ensures informed decision-making and portfolio management.

Periodic Review and Rebalancing

Regularly review your portfolio's performance. Rebalancing ensures your investments stay aligned with your financial goals and market conditions. This approach optimises returns and manages risks effectively.

Creating a Comprehensive Financial Plan

Consider other financial aspects like emergency funds, insurance, and tax planning. A holistic financial plan ensures a secure and well-rounded approach to wealth creation.

Monitoring Market Trends

Stay informed about market trends and economic factors. This knowledge helps you make timely adjustments to your investments, maximising returns and mitigating risks.

Conclusion

Your disciplined investment strategy and diversified portfolio are commendable. With regular review and professional guidance, you can optimise your investments and achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 26, 2024

Asked by Anonymous - Jul 18, 2024Hindi
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Money
I HAVE DSP TAX SAVER & NIPPON TAX SAVER FUND IN MY PORTFOLIO. I STOPPED SIP IN BOTH AN YEAR AGO. AS I DON'T NEED ANY TAX REBATE NOW. BUT I HAVE NOT WITHDRAWN THE AMOUNT INVESTED. IS IT GOOD TO LEAVE THE AMOUNT INVESTED FOR A INDEFINITE PERIOD OR SHOULD I WITHDRAW AND REINVEST THE AMOUNT IN NEW FUNDS. IF YES, PLEASE SUGGEST SOME GOOD FUNDS. JUST FOR YOURINFORMATION, I AM ALREADY INVESTING IN CANARA ROBECO BLUE CHIP. HDFC MID CAP, ICICI VALUE DISCOVERY, PGIM FLEXI CAP FUND.
Ans: Review of Current Tax Saver Funds
You have DSP Tax Saver and Nippon Tax Saver funds in your portfolio. You stopped SIPs a year ago but haven't withdrawn the invested amount. It's good to evaluate if you should keep these investments or reinvest them.

Evaluation of Keeping Investments
Performance Review:

Assess the performance of these funds.
Check their returns compared to benchmarks.
If they are performing well, it might be wise to keep them.
Fund Objectives:

These are tax-saving funds (ELSS) with a lock-in of three years.
After the lock-in, you can redeem anytime.
If they align with your long-term goals, consider keeping them.
Reinvestment Consideration
If you decide to withdraw, reinvesting in better-performing funds could be beneficial.

Benefits of Redeeming and Reinvesting
Optimizing Returns:
By switching to high-performing funds, you may get better returns.
Portfolio Realignment:
It allows you to realign your portfolio based on current market conditions and your goals.
Suggested Fund Categories
Since you are already investing in equity and mid-cap funds, consider these categories:

Diversified Equity Funds
Flexi Cap Funds:
These funds invest in large, mid, and small-cap stocks.
They provide balanced exposure to different market segments.
Large Cap Funds
Stability and Growth:
Large-cap funds offer stability with reasonable growth.
They invest in well-established companies.
Multi Cap Funds
Diversified Approach:
Multi cap funds invest across market capitalizations.
They offer a diversified approach with balanced risk.
Actively Managed Funds vs. Index Funds
Actively managed funds have the potential to outperform the market. Fund managers actively select stocks to maximize returns. They provide flexibility in changing market conditions.

Direct Funds vs. Regular Funds
Disadvantages of Direct Funds
Limited Guidance:
Direct funds lack professional advice.
You need to manage investments yourself.
Benefits of Regular Funds
Professional Management:
Regular funds through an MFD with a CFP credential offer expert guidance.
They help in selecting the right funds based on your goals.
Your Current Investments
You are already investing in Canara Robeco Blue Chip, HDFC Mid Cap, ICICI Value Discovery, and PGIM Flexi Cap Fund.

Portfolio Review
Canara Robeco Blue Chip:

Focuses on large-cap stocks.
Offers stability and moderate growth.
HDFC Mid Cap:

Invests in mid-cap stocks.
Higher growth potential but with more risk.
ICICI Value Discovery:

Focuses on undervalued stocks.
Potential for high returns with moderate risk.
PGIM Flexi Cap Fund:

Diversified across market caps.
Balanced risk and growth.
Final Insights
Evaluate the performance of DSP Tax Saver and Nippon Tax Saver.
If they perform well, consider keeping them.
If not, reinvest in diversified equity, large cap, or multi cap funds.
Continue leveraging actively managed and regular funds for better guidance.
Regularly review and realign your portfolio to meet your financial goals.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 13, 2024Hindi
Money
Hi sir Kindly review my portfolio.. Investing below amount in SIP 1)Large cap - Axis 4500 Nippon 4500 2) Flexi cap - Parag parikh - 3000 Icici - 2500 3) Mid cap - Motilal - 2500 Aditya birla - 500 Kotak - 500 4) Small cap Tata - 1500 My goal for investing is my child education, child marriage and Retirement funds I planning to invest for next 15 years Kindly suggest which and all mutual fund I have to continue and remove for better returns.. Thank you
Ans: It’s great to see that you’re committed to securing funds for your child’s education, marriage, and retirement. These are critical milestones, and with the right approach, your investments can help you achieve them effectively.

Investment Goals and Approach

You have clear long-term objectives, which is ideal. Planning with specific goals like education, marriage, and retirement brings purpose to your investment journey. Given the 15-year investment horizon, you can take advantage of compounding benefits, especially with equity mutual funds. However, let’s ensure your portfolio is optimized for growth, risk, and tax efficiency.

Evaluating Your Mutual Fund Choices

Let’s look at your current investments across various categories:

1. Large Cap Funds
Large-cap funds provide stability, as they invest in established companies with relatively lower volatility. However, there can be limited scope for very high growth in large caps compared to mid or small caps.

You’re invested in two large-cap funds. It’s often advisable to focus on one high-performing large-cap fund to avoid overlap and unnecessary diversification.

Consider retaining a large-cap fund that has a consistent track record, active fund management, and strong research backing.

2. Flexi Cap Funds
Flexi-cap funds offer flexibility by investing across market caps. This allows the fund manager to capture growth opportunities in any segment of the market.

Holding two flexi-cap funds is fine, as it balances large and mid-cap stocks, offering both stability and growth. However, evaluate each fund’s performance and select one if you feel any duplication in returns.

3. Mid Cap Funds
Mid-cap funds offer growth potential but come with higher risk. Given your long-term horizon, they can be beneficial.

You currently have three mid-cap funds. It might be better to consolidate into one or two top-performing funds in this category to reduce excessive overlap and diversify across sectors rather than just fund names.

4. Small Cap Fund
Small-cap funds are suitable for aggressive growth but can be highly volatile. It’s wise to limit exposure to small caps, as they tend to fluctuate significantly, especially over shorter timeframes.

Given your portfolio composition, your allocation to small caps is moderate, which seems appropriate. However, ensure you are comfortable with the high-risk nature of small caps, especially if the market faces downturns.

Analysis of Direct vs. Regular Funds

Opting for direct funds might appear attractive due to lower expense ratios, but it’s crucial to weigh the potential downsides:

Lack of Guidance: Direct funds lack the guidance a Certified Financial Planner (CFP) can offer. Expert support ensures your portfolio is regularly rebalanced and aligned with market changes, personal goals, and tax updates.

Regular Tracking: With a CFP’s help, your investments are reviewed frequently, making timely adjustments in case of underperformance. This hands-on approach is particularly helpful in achieving your long-term goals.

Tax Considerations: Regular funds through a CFP can help you optimize tax efficiency by offering proactive advice on capital gains, loss harvesting, and adjusting investments according to the new capital gains tax rules.

Importance of Actively Managed Funds

While index funds may seem attractive for their lower costs, actively managed funds bring added advantages, especially for long-term investors like you:

Potential for Higher Returns: Skilled fund managers actively seek growth opportunities that can outperform benchmarks over time. This could be a significant advantage given your long-term goals.

Flexibility in Market Movements: Active funds allow managers to make informed changes, adapting to market conditions and potentially protecting your investments during volatile phases.

Diverse Exposure: With active management, your funds are better diversified across sectors and stocks, reducing concentration risk and enhancing the potential for stable returns.

Investment Strategy Recommendations

Considering your goals and time horizon, here’s a comprehensive approach to optimize your portfolio:

Consolidate Fund Choices: Consider reducing similar funds within each category. This will provide clarity and focus, making it easier to track progress and reduce management complexity.

Review and Rebalance: Regularly review your portfolio performance, preferably with a CFP, to ensure each fund aligns with your risk tolerance and goals. Aim for annual rebalancing to stay on track.

Allocate Based on Goals: Assign specific funds for each goal. For example:

Child’s Education and Marriage: Given the moderate-to-high timeframe, allocate funds with a mix of stability (large-cap and flexi-cap funds) and growth (mid-cap).
Retirement: Invest in a diversified mix of flexi-cap and large-cap funds, along with a smaller allocation to mid-caps, as retirement is a long-term goal with a potentially higher investment horizon.
Avoid Overlapping: Limit overlap between funds by choosing those with unique holdings or management strategies. Too many funds can dilute returns, especially if they invest in similar stocks.

Tax Considerations

With recent changes in capital gains tax rules, be mindful of the following when planning exits or rebalancing:

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are now taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Funds: LTCG and STCG for debt funds are taxed according to your income tax slab.

Tax Efficiency: To minimize tax outgo, hold investments for the long term and consult a CFP for tax-optimized rebalancing.

Investment Horizon: Sticking to your 15-year investment plan can help mitigate tax impacts and optimize returns.

Insurance Evaluation

If you hold any LIC, ULIP, or investment-linked insurance policies, review their performance and fees. These products often come with high costs, which can limit returns. Consider surrendering such policies if they don’t align with your goals and reinvest in well-performing mutual funds instead.

Finally

Your commitment to a 15-year SIP plan shows your dedication to securing your family’s future. A structured, diversified approach with periodic reviews can enhance your portfolio’s performance, aligning it with your goals of education, marriage, and retirement.

A Certified Financial Planner can be a valuable partner in this journey, providing expert advice to help you make the most of your investments and adjust them as needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ravi

Ravi Mittal  |414 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 04, 2024
Relationship
my gf was physical(intercourse) just for once with her ex and her ex cheated on her she just had a 2 month relationship with her ex. and after that around just after a month we came in relationship and its been 2 months we are in a relationship we both go to same college but due to house problem she doesn't attend classes basically we are in a long distance relationship and she still remember him and when she goes to places where she meet her ex she still have flashback She is not fully with me even when i just ask her for a normal kiss she refuses and tells me what so hurry but when i asked her does she want to stay with me she told me yes i want to stay with you and she is ready to marry me as well when time comes she even told me that timely she will have feelings for me And for me all this is new this is my first relationship what should i do?
Ans: Dear Anonymous,
Refusing for a kiss isn't as concerning as her saying she will have feelings for you. Not everyone is ready for intimacy at the same time in all their relationships. As I mentioned earlier, there can be several reasons for this behavior. Please have an open conversation with her. Let her know that her behavior is bothering you and you want some clarity. If she still continues to say the same thing, you have the option to rethink the relationship.

I understand that you are feeling disturbed; it's not easy being on the receiving end. Please feel free to pick yourself first. You deserve someone who loves you completely.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |414 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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Relationship
I am 28, will be engaged in 3-4 months. It's an arranged marriage. I have met the girl one time, that too she was accompanied with her parents as her family is very conservative. We spoke privately for about half an hour. I know it's still not enough but I was able to have a good conversation. She was nervous at first but I made her feel comfortable and it was then time well spent. She is a sweet girl, even my maa papa like this girl but on the other hand, I am also getting worried as the days are coming near. Sometimes I feel like postponing the event. Is this normal? I also fear of things that happens in nowadays like getting divorce, extra marital affairs, alimony etc. What if she finds a better partner after marriage? Will she leave me? Due to this I cannot have proper sleep recently. Any suggestions to calm my nerves?
Ans: Dear Anonymous,
Many people get cold feet before getting married. It is very normal. All your questions are valid but you need to understand that in every relationship, it all comes down to trust. Whether you marry this woman or someone else, you have to trust her. And no one can really tell what the future holds. So we focus on the present and hope for the best.

I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

Hope this helps.
Best Wishes.

...Read more

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |123 Answers  |Ask -

Physiotherapist - Answered on Nov 13, 2024

Asked by Anonymous - Sep 15, 2024Hindi
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Health
Hi sir , Iam male 27 years planning to reduce my current weight of 86KG hence planning to hit the gym. Iam concerned of abdominal fat. I left gym 3 yrs back when my weight was average 69kgs. However due to no physical activity weight increased. Now iam planning for reducing weight and also improve my strength with good muscular lean body not bulk. Please guide me sir thanks
Ans: It’s wonderful that you’re enthusiastic about getting back into the gym to work towards weight loss and a lean, toned physique! As a physiotherapist, I suggest scheduling regular check-ins with a physiotherapist to monitor your progress and make any necessary adjustments to your exercise routine. To effectively lose fat, particularly around the abdomen, while building muscle, try a balanced approach that incorporates both cardio and strength training. Start with 20-30 minutes of moderate-intensity cardio—like brisk walking, cycling, or jogging—three to five times per week to increase calorie burn. For strength training, focus on compound exercises such as squats, lunges, push-ups, and rows, with three sessions per week. Begin with lighter weights, increasing gradually as your strength builds, and focus on good form to develop lean muscle without bulk.

Including core exercises, like planks, Russian twists, and leg raises, will help to strengthen and tone your abdominal muscles; however, remember that fat loss from specific areas requires overall body fat reduction. A high-protein, balanced diet will be crucial for supporting muscle growth and managing hunger, so aim to reduce processed foods and sugars. Consistency is essential—maintain a regular exercise schedule, and ensure you have rest days for recovery. With dedication, you’ll see steady improvements over time. Best of luck, and don’t hesitate to reach out if you need further guidance!

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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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