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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 25, 2025

Ramalingam Kalirajan has over 26 years of experience in MF distribution and wealth management. He holds an MBA in Finance from the University of Madras and is a CFP (Certified Financial Planner) credentialed professional. He is the Director of Holistic Investment, a Chennai-based AMFI-registered Mutual Fund Distribution (ARN-4188) and APMI-registered PMS Distribution firm (APRN07386), helping clients build long-term wealth through mutual funds and other investment solutions.... more
S Question by S on Nov 25, 2025Hindi
Money

I am having SIP of Rs 10000/per month n the following MFS Scheme as detailed below Sl no MUTUAL FUND MONTHLY SIP RETURN /NSDL CMENCE DT 1. ICICI PRU LARGE CAP Rs 10000/ 20.52% 20-07-2020 2.MIRAE ASST LARGE&MIDCAP Rs 2500+ LUMP 17.8% 29-09-2016 3.PARAGUE PARIK FLEXI CAP Rs 10000 14.92 % 09-08 -2015 4.SBI SMALL CAP Rs 10000 18,6% 15-07-2018 5.NIPPON INDIA SMALL CAP Rs 10000 7.92% 26-09-2023 6. MOTILAI OSWAL MID CAP Rs 10000 8.79% 12-10-2024 7.QUANT SMALL CAP RS 10000 3.75% 14-06-2024 8.INVESCO INDIA PSU FUND LUMP SUM 10.9% 15-09-2024 9. KOTAK FLEXI CAP LUMP SUM 12.82% 10-01-2022 10 CANARA ROECO EMERGIN LUMP SUM 15.78% As the returns from sl nos 5.6.7 are not to the satisfaction I feel the amount may be shifted to SL NOS 1,2,3,4. PLEASE ADVISE ME AND TAKE ME TO THE CORRECT DIRECTION. Please give me your valuable comment on sl nos 8,9 10 THANING YOU,SIR S.CHITHAMBARA KUTTALAM PILLAI

Ans: Your commitment to steady SIPs is very good.
You track your performance with care.
You show patience and long-term thinking.
This discipline builds strong wealth.
Your long journey also shows deep faith in equity.
That faith will reward you over time.

Your SIPs run across large cap, large and mid cap, flexi cap, mid cap and small cap.
You also hold three lump sum funds in different areas.
Your spread is wide.
Your base is strong.
You also ask valid concerns about low-return funds.
And you want to place money in better performing places.
I will cover all these points step by step.

» Your Current Portfolio Shape

Your SIP covers five categories.
That reduces risk.
This protects you during market swings.
Your mix also supports long-term growth.
You have long-running SIPs.
They create deep compounding.
You also started some new SIPs recently.
These new SIPs need time.

Your lump sum part sits in three equity areas.
These areas offer stable and cyclical growth.
So your portfolio works like a full basket.
Some parts grow fast.
Some parts grow slow.
But together they create balance.

Your idea to review poor-performing SIPs is normal.
Most investors feel this at some point.
But decisions need clear analysis.
Not emotion.
Not short-term fear.
Not short-term disappointment.

» Why Some SIPs Show Low Returns Today

Three SIPs are worrying you.
They are small cap and mid cap oriented.
These categories behave differently.
They run in cycles.
Their gains rise sharply in some cycles.
They fall sharply in others.
This is normal for these categories.

Your SIP start dates are also very recent.
Some are only a few months old.
One is just around one year.
One is around one and half years.
Such short periods don’t show true performance.
They only show temporary market mood.

Small caps need long periods.
At least five years.
Sometimes seven years.
Sometimes even more.
Mid caps need patience as well.
New SIPs don’t show real power early.

Your low returns now do not mean poor fund quality.
They show only market phase.
Phases change.
Returns shift fast.
Small and mid caps often jump after weak phases.

So please don’t judge these new SIPs now.
Give them more time.
They started in a volatile cycle.
And that is the only reason returns look low.

» Should You Shift These SIPs to Your Stronger Funds?

You are thinking to move these SIPs into your stable performers.
Your stable performers include large cap, long-running flexi cap, large and mid cap, and long-running small cap.
They show strong long-term returns.
They also have long histories with you.

But shifting now can break your asset mix.
If you move money away from mid and small caps, your portfolio will tilt heavy to large caps.
This reduces long-term return potential.
Large caps are stable but slow.
Small and mid caps add speed in long-term compounding.
If you remove them now, the future growth reduces.

Also, shifting at low returns locks your loss temporarily.
This reduces your recovery scope.
Equity demands patience.
Shifts should happen only for category change or goal change.
Not due to early low return.

Your existing stable funds are strong.
But your new SIPs are young.
They must complete a cycle.
Give them time.
Let them build track record.
Let them grow into their natural cycle.

So shifting is not needed now.
Holding is better.
This protects your asset spread.
This protects your future upside.

» What You Can Do Instead of Shifting

– Keep the SIP amounts running in all categories.
– Do not stop a SIP only because returns look low.
– Give new SIPs time to settle.
– Keep your existing strong funds as anchors.
– Let the new SIPs grow slowly with the cycle.

This approach keeps your long-term path strong.
Your risk stays balanced.
Your return potential stays high.
Your peace remains intact.

» Your Large Cap SIP

Your large cap SIP shows stable long-term return.
Large caps protect you during market shocks.
They give consistent strength.
This SIP can stay as it is.
Your amount here is healthy.

Large caps will never give small cap-style jumps.
But they give backbone strength.
You already enjoy that.
So no change needed here.

» Your Large and Mid Cap SIP

This category is good for balanced growth.
It gives both stability and speed.
Your return is strong due to long holding period.
This SIP is a pillar in your mix.
You can continue this SIP.

This category sometimes outperforms large caps.
Sometimes mid caps inside it push growth.
So it gives a smooth growth curve.

» Your Long-Term Flexi Cap SIP

A flexi cap fund adjusts allocation based on market cycles.
This gives natural balance.
Your return shows good long-term compounding.
This SIP is valuable for long-term wealth.
Keep this running as well.

Flexi cap gives freedom to move across market caps.
This helps during tough cycles.
This helps during opportunity cycles.

» Your Earlier Small Cap SIP With Good Return

Your long-running small cap SIP is solid.
The return shows full cycle benefit.
This proves that small caps need time.
You have seen both low and high phases.
And it rewarded you well.
This is the best example for your new SIPs.

This SIP also gives high long-term power.
Small caps grow faster when held long.
This SIP should continue.
It strengthens your return potential.

» Your Three New SIPs With Low Returns

These SIPs look weak now.
But they are too new.
They cannot show long-term truth yet.
Please wait.
Please continue.
They will settle.
They will show their cycle strength later.

Stopping now may disturb your mix.
Stopping now may cut your chance for higher future returns.

So I advise to continue them.
Let them complete three to five years.
Then review again.

» Your Lump Sum in PSU Theme

Your PSU-themed lump sum works like a cyclical idea.
It grows well during reform cycles.
It grows during strong government policy cycles.
You hold it for a short time now.

The return is decent for a short period.
But this category is not stable always.
It moves in waves.
So you must keep moderate expectations.
Don’t expect smooth returns here.
Hold it medium term.
Do not add more now.
Let it run on its own.

Review after three years.
Keep it as a satellite portion of your total.

» Your Lump Sum in Flexi Category

This fund gives broad market coverage.
Your return is good.
Flexi cap works well when markets shift directions.
Hold this for long term.
It suits broad-based wealth creation.

No need to redeem.
No need to shift.
Let it stay and grow steady.

» Your Lump Sum in Emerging Category

This category grows when domestic and global cycles favour growth-oriented companies.
Your return is strong.
This shows the category is working well.

Hold it for long term.
Do not disturb it.
Allow more compounding.
It can support high capital appreciation.

» Why Active Funds Give Better Scope Than Index Funds

Index funds track the market.
They cannot beat the market.
They cannot avoid weak companies inside the index.
They cannot manage risk actively.
They cannot adjust during market shocks.
They cannot shift between sectors based on cycle.

Active funds can do all these.
Active funds can remove weak stocks.
Active funds can allocate more to strong sectors.
Active funds can reduce risk quickly.
Active funds can capture opportunities early.
Active funds give better long-term power.
So your active fund choices are suitable.

» Why Regular Plans Are Better Than Direct Plans

Regular plans come with guidance.
They give you clarity.
You get support in reviews.
You get a Certified Financial Planner’s view.
You get timely corrections.
You get emotional support in volatile cycles.

Direct plans give no such support.
Direct plans leave you alone during tough times.
Direct plans become risky without guidance.

So regular plans are better for your long-term journey.

» Cash-Flow Comfort and Mental Comfort

Your SIP size is strong.
Ten thousand rupees across many categories builds big wealth.
But make sure it fits your cash flow.
You should not feel pressure.
Your SIP should feel natural.
Not heavy.
Not stressful.

Mental comfort is important.
If you worry too much about short-term returns, you may take wrong actions.
Please see equity as a long-term partner.
Short-term pain is normal.
But long-term gain is powerful.

» Risk Spread Across Your Portfolio

Your portfolio is spread well across five categories.
Large cap gives stability.
Flexi cap gives balance.
Large and mid cap gives smooth growth.
Mid cap gives speed.
Small cap gives high compounding.
PSU gives exposure to government-linked sectors.
Emerging category gives future growth trends.

This spread supports your long-term safety.
This gives you a full 360-degree structure.
This helps you handle all cycles.

» How to Review in Future

Review once a year.
Not every month.
Not every quarter.
One year gives clear signals.
Short periods give noise.

Check only category-level changes.
Do not react to short-term low returns.
Do not shift during weak phases.
Shift only when your goals or risk levels change.

» Finally

Your portfolio is strong.
Your commitment is strong.
Your categories are balanced.
Your lump sum part is fine.
Your weak SIPs only look weak because they are new.
They need time.
Do not shift them now.
Let all your SIPs continue.
This will build wealth in the long run.
You are on the right direction.
Stay steady.
Stay patient.
Stay invested.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment
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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Hello Sir, I am Sumit. I have been investing in MF since 2018 via regular SIP and lumpsum amounts as per the availability of funds. At present I am having following SIP in my account (1) DSP Flexicap Fund (Rs. 15000), (2) ICICI Prud Banking and Financial (Rs. 10000), (3) Kotak Emerging Equity Fund (Rs 15000), (4) Nippon Small Cap Fund (Rs 5000), (5) Kotak Focused Equity Fund (Rs 10000) and Also following in my mother's name (a) Axis MidcapFund (Rs 5000), (b) DSP Flexicap Fund (Rs 5000) Till May 2023 the SIP was of Rs 40000 which I have increased to 55000 from my account. I have invested around Rs 53 lakh till Dec 2023 and its value as per the present market rate is Rs 81 Lakh. Are these Funds / SIPs properly spread out ? I intend to create 2 Cr by June 2025. Please advise on existing funds or changes to be done. Thank you.
Ans: It's great to see your disciplined approach to investing in mutual funds. Your portfolio appears to be diversified across different categories, which is a good practice for managing risk. However, here are a few considerations and suggestions:

Diversification: Your portfolio seems heavily focused on equity funds, especially mid-cap and small-cap funds. While these funds can offer higher growth potential, they also come with higher risk. Consider diversifying into other categories like large-cap or flexi-cap funds to spread out risk.

Performance Review: Evaluate the performance of each fund in your portfolio relative to its benchmark index and peers. If any fund consistently underperforms or does not align with your investment objectives, consider replacing it with a better-performing alternative.

Risk Assessment: Given your goal of achieving Rs 2 Crore by June 2025, assess whether your current asset allocation aligns with your risk tolerance and investment horizon. Adjust your portfolio composition accordingly to balance risk and return potential.

Continued Monitoring: Keep a close watch on market developments, economic indicators, and fund performance. Regularly review your portfolio to ensure it remains aligned with your financial goals and make adjustments as necessary.

Consultation: Consider consulting with a financial advisor who can provide personalized guidance based on your financial situation, goals, and risk profile. They can help you optimize your portfolio and make informed investment decisions.

Remember that achieving your financial goals requires patience, discipline, and periodic review of your investment strategy. By staying informed and making prudent investment decisions, you can work towards building wealth and achieving your objectives.

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Ramalingam Kalirajan  |11482 Answers  |Ask -

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Sir, I have been doing SIP under following MF's : Axis Flexi Cap Fund - Regular Plan 5,000.00 Bandhan Core Equity Fund - Regular Plan - Growth 3,000.00 DSP Mid Cap Fund - Regular Plan 2,500.00 HSBC Value Fund - Regular Plan 2,500.00 ICICI Prudential Value Discovery Fund 2,500.00 Kotak Flexi Cap Fund - Regular Plan 2,000.00 Quant Active Fund 5,000.00 SBI Flexi Cap Fund - Regular Plan 2,500.00 SBI Small Cap Fund - Regular Plan 10,000.00 UTI Flexi Cap Fund - Regular Plan 5,000.00 HDFC Mid-Cap Opportunities Fund - Regular Plan 3,000.00 Aditya Birla Sun Life Flexi Cap Fund - Regular Plan - Growth 5,000.00 HDFC Focused 30 Fund - Regular Plan 2,000.00 Also i have lump-sum investment in following MF schemes - HDFC Top 100 RP (G) 51,998.45 HDFC Gold RP (G) 1,43,997.00 ICICI Prudential Multi-Asset Fund 3,79,511.11 ICICI Prudential US Bluechip Equity Fund - Regular 99,800.95 Kotak Flexi Cap Fund - Regular Plan 1,14,995.00 In addition to above, i am investing regularly in PPF & have an Share portfolio of about Rs. 6 Lacs & few Life Insurance policies (LIC). I am in need of about Rs. 25 Lacs. Kindly advise which funds to exit and if any other rebalancing of MF is required. Thanks
Ans: You've built a diverse portfolio with a mix of systematic investment plans (SIPs), lump-sum investments, and other financial instruments, showcasing your commitment to long-term wealth creation. Let's review your current holdings and make strategic adjustments to align with your financial goals:
1. SIP Review:
• Evaluate the performance and suitability of each SIP based on your investment objectives and risk tolerance.
• Consider consolidating or exiting SIPs with underperforming funds or overlapping strategies to streamline your portfolio.
2. Lump-Sum Investments:
• Assess the performance and outlook of your lump-sum investments to ensure they complement your overall investment strategy.
• Consider rebalancing or exiting investments that no longer align with your investment goals or risk profile.
3. Portfolio Rebalancing:
• Rebalance your portfolio to maintain an optimal asset allocation and manage risk effectively.
• Consider reallocating funds from underperforming or overweight sectors/funds to sectors/funds with better growth potential.
4. Exit Strategy:
• Identify funds or investments that are not performing as expected or do not align with your investment strategy.
• Develop an exit strategy to liquidate such investments gradually while minimizing any potential impact on your overall portfolio returns.
5. Alternative Investments:
• Explore alternative investment options such as debt instruments, real estate investment trusts (REITs), or international funds to diversify your portfolio further.
• Consider adding exposure to sectors or asset classes that offer growth potential while mitigating downside risks.
6. Risk Management:
• Review your risk management strategy to ensure adequate protection against market volatility and unforeseen events.
• Consider enhancing your insurance coverage, particularly health and life insurance, to safeguard your financial well-being and protect your loved ones.
7. Financial Planning:
• Continuously monitor your financial plan and make necessary adjustments based on changes in your life circumstances, financial goals, and market conditions.
• Consult with a Certified Financial Planner (CFP) to receive personalized advice and guidance tailored to your specific financial situation and objectives.
Remember, investing is a dynamic process, and periodic review and adjustment are essential to stay on track towards achieving your financial goals. By taking a proactive approach and making informed decisions, you can optimize your investment portfolio and work towards building long-term wealth and financial security.

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Dear Sir, I have been investing in 11 different schemes of 6 different mutual funds since April, 2024 as per the following details through monthly SIPs: 1. Quant Momentum Fund Direct Growth, Rs.1,000 per month (pm) 2. Axis Multicap Direct Growth, Rs.3,500 pm 3. Mahindra Manulife Multi Cap Fund Direct Growth, Rs.5,000 pm 4. Nippon India Multi Cap Fund Direct Growth, Rs.5,000 pm 5. HDFC Manufacturing Fund Direct Growth, Rs.2,500 pm 6. JM Flexi Cap Fund Direct Plan Growth, 1,000 pm 7. Axis Mid Cap Fund Direct Growth, 5,000 pm 8. Quant Active Fund Direct Growth, Rs.2,500 pm 9. Parag Parikh Flexi Cap Fund Direct Growth, Rs.5,000 pm 10. Nippon India Flexi Cap Fund Direct Growth, Rs.2,500 pm 11. Quant Dynamic Asset Allocation Fund Direct Growth, Rs.2,000 pm i.e. monthly investment of Rs.35,000/- through SIPs. I have also invested a lump sum amount of Rs.15,000/- in Nippon India Banking and Financial Services Fund Growth Plan. I request you to please review my above-mentioned investment and advice so that I can stop / redeem investment from non-performing schemes and I can start investing in better mutual fund SIP schemes to be suggested by you. I will be happy to share any further information if required from your side. Look forward to your early positive response. Sincerely yours, Regards, Dhaval Joshi
Ans: Hi Dhaval,

It is really great for you to start investing and you are investing such a good amount. It will definitely secure your future, if done correctly.

Your portfolio is highly overlapped portfolio and this will not give you a good return in future. You need to follow a balanced approach.
I see all funds are direct funds and seem like a suggestion taken from a random online tip or a friend.

While direct funds are hyped due to their less expense ratio than regular funds (difference of 0.5%), but direct funds like these can really prove otherwise. Going for a regular fund portfolio with a professional's help is the only way going forward. As soon your invested value will cross 5 lakhs and it should be regulalry reviewed and monitored.

My suggestion to you would be to go for a mix of equity and hybrid funds. Choose 1 largecap fund, 1 midcap, 1 smallcap and 1 mutlicap. Avoid sectoral funds. Dividing 35k into these funds will depend upon your other details like age, financial goals, current assets/ liabilities, risk appetite and time horizon.

Hence do consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Archana Deshpande  |136 Answers  |Ask -

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Asked by Anonymous - Jul 09, 2026
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I have taken a 12th-grade drop year, and this year I have to take admission. But my parents are not supporting me. Last year also, because of all these issues, my admission got delayed, and this year again, no one in my family is taking it seriously. They don't allow me to meet anyone or even go outside the house. They don't even let me go to the terrace. They keep saying, "Whatever you want to achieve, do it from home. People who really want to succeed can do it from anywhere." I don't have any problem studying from home. In fact, after my drop year, I started preparing for CA, and everything was going well initially. But after a few months, my mother started taking away my phone. She wouldn't let me talk to anyone, go outside, or even step onto the terrace. Along with that, there was a lot of mental and emotional abuse. My mother uses extremely abusive and degrading language toward me, and it has become very difficult for me to handle. Because of the constant verbal abuse and emotional stress, I often can't concentrate on my studies. Whenever I study peacefully for two days, the same traumatic cycle starts all over again the next day. This only happens to me in my family. I am the only daughter after my two elder brothers. I can't even share these things with anyone because none of my friends have to go through anything like this. Sometimes, if I simply go to the terrace, my mother starts shouting at me and uses extremely abusive language. Even if I use my phone only for studying, I am not allowed to keep it. I can't even talk to someone to refresh my mind or reduce stress, and I'm not allowed to meet my friends or go outside either. Sometimes, it becomes so overwhelming that I feel like I don't want to live in this house anymore. I feel trapped, emotionally exhausted, and completely isolated. All I want is a peaceful environment where I can study, focus on my future, and live with basic freedom and dignity.
Ans: Hi!!

I want you to understand that your desire to study, build a career and have some basic freedom is absolutely justified. You are not asking for too much. You are asking for an environment where you can concentrate on your studies, take decisions about your future and live with dignity.

From what you have shared, I feel your problem is not your ability to study or your willingness to work hard. You have already proved that you can prepare for CA and stay focused when things are going well. The real concern here is the environment in which you are expected to study.

You really need to understand that a peaceful mind is essential for effective learning. When you are constantly exposed to shouting, abusive language and emotional stress, it becomes difficult to concentrate, regardless of how determined you are to succeed. So please don't blame yourself for struggling with your studies. You are trying to focus on your future while simultaneously dealing with a very distressing situation at home.
Having said that, I would like you to think about something important. Your education and your future cannot remain on hold because of the circumstances you are facing today. You have already lost valuable time because of delays in admission, and I don't want you to lose another year waiting for things to improve on their own.
You need support, and you need to take practical steps towards securing your future.
First, identify a trusted adult who can understand your situation and help you. It could be a relative, a teacher, a former school counsellor or another responsible person you feel comfortable approaching. Please don't assume that nobody will understand you simply because your friends may not be experiencing the same difficulties. You don't have to deal with this alone.

Second, make your admission a priority. Find out the courses available to you, the eligibility requirements, the deadlines and the documents you need. If you cannot manage the process independently, seek help from a trusted adult who can guide you. You need a concrete plan rather than being caught in the same cycle of conflict and uncertainty.

Third, please understand that respecting your parents does not mean accepting abusive behaviour as something you deserve. You can love your family and still recognise that certain words and behaviours are hurting you. You don't have to fight or argue with your mother to prove your point. When things become heated, try to avoid escalating the situation and prioritise your emotional and physical safety.

And finally, please don't isolate yourself emotionally. You need someone with whom you can talk openly, someone who can listen without judging you. If the situation at home continues to feel unbearable, a counsellor or a trusted adult outside the family can help you work through it and explore safe options.

Remember, this difficult phase of your life does not define your future. You have ambitions, you want to study, and you want to become independent. Hold on to those goals, but don't feel that you have to achieve everything through sheer willpower while dealing with this distress alone.

Your future matters. Your mental well-being matters. And you deserve to live with dignity.

I would like to ask you two important questions -
* First, are you physically safe at home, or has the abuse ever become physical?
*Second, is there any trusted relative, teacher or other adult who could help you with your admission process?
I am asking because I want you to have advice that is practical for your situation, not just words of encouragement

Tc ! Best wishes always..

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I studied in an English-medium school, but during school and college most of my friends and even teachers were more comfortable speaking Hindi, so that became my natural communication language. Now after many years, I work in an office where English is used much more regularly. I can understand English and I can write basic things, but when I have to speak suddenly, I sometimes struggle to find the right words. Even for a simple question to a colleague, I first rehearse the sentence in my mind two or three times before saying it. If someone suddenly asks me something in English, I sometimes fumble even though I know what I want to say. I also depend quite a lot on ChatGPT to help me frame emails, messages and sometimes even replies because I worry about making grammar mistakes or sounding less professional. Recently, a new girl joined our office who speaks very confidently in English and seems more comfortable talking to people who are also very fluent or part of what feels like an ‘elite’ group. She does speak with us, but not as much, and sometimes I become more conscious about my own English when I see how naturally she communicates. I know everyone has a different communication style, but this has made me wonder whether my lack of fluency is affecting how people perceive me at work. How can I improve my spoken English and workplace communication so that I can speak spontaneously and confidently without mentally preparing every sentence first?
Ans: Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you measure yourself. She may be more comfortable speaking English, but that does not make her more intelligent, more capable or a better professional than you. Everyone has a different background, different experiences and a different starting point.
Stop comparing, start practising and, most importantly, stop underestimating yourself.
You have already identified what you need to improve, and that is the first step towards change. Now, give yourself the opportunity to work on it without being overly critical of yourself.
Remember, the objective is not to impress people with your English. It is to express yourself with confidence, clarity and conviction.
When you stop trying to speak perfect English and start focusing on communicating effectively, you will gradually find your voice!

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I recently received feedback at work that I should be more assertive. The strange part is that I don’t consider myself shy - I speak when I have something to say and I’m quite comfortable with my colleagues. But the problem comes when I have a different opinion from someone senior. For example, last week during a team meeting, my manager suggested doing something in a particular way. I could clearly see one issue with the approach and had a different suggestion in mind, but when it was my turn to speak, I said something like, ‘Yes, that should be okay, maybe we can try it,’ instead of clearly explaining what I actually felt. Later, I discussed the same point with a colleague and realised I had actually been right about the concern, but by then the decision was already made. This happens with me quite often - I don’t want to sound argumentative or disrespectful, so I automatically soften my words and sometimes end up agreeing even when I genuinely have another opinion. How can I become more assertive in these situations, speak confidently to senior people and put forward a different viewpoint without coming across as rude, aggressive or overconfident?
Ans: Hi!!

*Being assertive does not mean being aggressive or disrespectful* It means expressing your thoughts and feelings confidently and respectfully!

If you hesitate to disagree, consider whether you fear judgment, offending the person, or challenging their authority! Identifying the cause can help you address it. Respecting someone’s position does not require agreeing with every opinion; your perspective may reveal something they have overlooked.

When you have a concern, pause, organise your thoughts, and state them clearly. For example: *“I understand your approach\. However, I have a concern we may want to consider before proceeding.”” You can be polite without being apologetic and respectful without being submissive.

Practise expressing your views in smaller situations. It may feel uncomfortable at first, but confidence will grow with experience.Trust your judgement and speak up when your input matters. You can disagree with someone without disrespecting them—that is true assertiveness!

Remember assertiveness is about respecting yourself and the other person equally! Understanding that you have as much right to express your opinion as the other person .

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m facing a small but recurring issue with my wife when it comes to money. I’m naturally more of a saving person—I like keeping some money aside for future expenses, emergencies, children’s needs and other things that may come up unexpectedly. My wife, on the other hand, feels that if we can comfortably afford something now, there is no point in always postponing it just to save more. It’s not that either of us is irresponsible with money, and thankfully we don’t have any major financial problems, but this difference in our thinking keeps coming up every few weeks. Sometimes it starts with something as simple as buying something for the house or planning a holiday and then turns into a discussion about our overall spending habits. I don’t want her to feel that I’m controlling how she spends her money, and at the same time, I don’t want to feel guilty for wanting to save. How can couples with very different financial habits find a middle ground and decide together how much to spend, save and keep aside for the future without making money become a regular source of tension in the marriage?
Ans: Hello sir. I hope you are in good health. Coming to your question, financial management remains a little sensitive topic specially when both members are earning.
You both have different habits and different thinking in terms of financial management and I think both are correct. The only thing with which the things can be sorted out is that you both sit and discuss and mutually come to a specific percentage of income which should be saved and which should be kept aside for holidays or for home fund. This way you both will clearly know and then you will not have problem in spending or saving.
I hope this solves your problem.
All the best..take care !!

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m a little confused about how I should handle situations involving my husband and his parents. Whenever they have an argument or disagreement, I usually prefer to stay quiet because I feel that if I get involved, the situation could become even more complicated. I don’t want his parents to feel that I’m trying to create a distance between them, and I also don’t want to say something in the heat of the moment that I may regret later. But after the argument is over, my husband sometimes tells me that he expected me to support him because I’m his wife. From my point of view, supporting him doesn’t necessarily mean agreeing with him or taking his side every time, especially when I don’t know the complete context of their disagreement. At the same time, I can understand why he may feel hurt if he thinks I’m simply standing by and watching when he needs me. How should to handle these situations when disagreements with in-laws keep creating tension in the marriage? Is there a healthy way for a spouse to show support without automatically taking sides or disrespecting the other family members?
Ans: Hello mam. I hope you are in good health.
Well, coming to your question, you can definitely take your partner's side by understanding the things on which the disagreements happen. For example you disagree with your partner at a specific point of time, in public you should try to calm the situation and take his side if possible but after that in private you can share your opinion and correct him if he is wrong somewhere. This way he ll feel that yes you support him but on the other hand he ll also realize that where he went wrong. Probably the situations will get better with this.
I really appreciate your nature that you don't want to disrespect other family members. Its very good and shows your upbringing and your intent of maintaining relationships.
Keep it up...take care !!

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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2026

Money
Hi ..I have registered a app called finsolalgo They told I got allocation for ipo which I kept 1 lac prev but they asked I need to pay 6lac ...which I couldn't pay...now they blocked my one lac saying as I didn't pay full allocation my amount blocked for 3 months but am not getting fater 3 months who will release my funds and all am feeling bad to believe them...now wat should I do ...finsolalgo is this company registered with sebi when I asked they told s we registered we have ruled and regulations ...that's y blocked like that ..wat should I do now
Ans: It is good that you have stopped and are checking this before paying another Rs.6 lakh.

Based on what you have described, I would be very cautious. The process you were told about does not look like the normal IPO application process.

» How a genuine IPO application normally works

In a normal IPO, the application money is blocked in your own bank account through ASBA or an approved UPI mandate.

If shares are allotted, the required amount is debited.

The remaining blocked amount is released after the allotment process. SEBI describes this process clearly.

A company or app normally cannot simply say:

– You paid Rs.1 lakh.

– You received an allocation of Rs.7 lakh.

– You must arrange another Rs.6 lakh.

– Otherwise your original Rs.1 lakh will remain blocked for 3 months.

That is a major point requiring verification.

» About the Rs.1 lakh being blocked

First check where exactly the Rs.1 lakh is blocked.

If it is genuinely blocked in your own bank account under an IPO ASBA/UPI mandate, contact your bank immediately and ask:

– Who has placed the mandate?

– What is the IPO name?

– Who is the sponsor bank?

– What is the application number?

– What is the registrar's name?

– What is the UPI mandate reference?

Do not depend only on what the FinsolAlgo app or its representatives are telling you.

If the money was actually transferred to a bank account controlled by the app/company/person, the situation is more serious. Do not send the additional Rs.6 lakh merely to release the earlier Rs.1 lakh.

» Is FinsolAlgo SEBI registered?

I checked the SEBI recognised-intermediary information available currently.

I could not verify a SEBI registration under the name "FinsolAlgo" from the information available to me.

This does not by itself prove that the entity is fraudulent. The legal entity name may be different from the app or trade name.

So ask them for:

– Exact legal company name.

– SEBI registration number.

– Category of SEBI registration.

– Registered office address.

– Name of the stock broker/intermediary handling the IPO application.

Then independently verify these details on SEBI's recognised intermediary records. SEBI maintains a searchable list of registered intermediaries.

Do not accept a statement such as "we are SEBI registered and we have our own rules" as proof.

» What you should do now

I would suggest these steps in this order:

– Do NOT pay the additional Rs.6 lakh.

– Do NOT pay any "release fee", "penalty", "tax", "processing charge" or similar amount.

– Do NOT share your OTP, UPI PIN, bank password or other banking credentials.

– Take screenshots of the entire conversation with FinsolAlgo.

– Save the payment receipt for the Rs.1 lakh.

– Save the IPO allocation message and all documents they provided.

– Contact your bank directly through its official customer-care channel.

– Ask the bank whether there is actually an IPO-related ASBA/UPI block on your Rs.1 lakh.

– If the bank confirms that no genuine IPO mandate exists, immediately inform the bank that you suspect an unauthorised or potentially fraudulent transaction.

– If money has already gone to another bank account, inform your bank immediately and ask about the appropriate fraud-reporting process.

» Do not wait for three months

I would not simply wait for three months based on their verbal assurance.

If this is a genuine IPO, there should be proper documentation and an identifiable IPO process.

There should also be a recognised intermediary, sponsor bank, registrar and application details.

The normal IPO process does not depend merely on an app telling you that your money will be released after three months. SEBI's own explanation says that funds are blocked for the IPO process and are subsequently debited or unblocked based on allotment.

» My assessment

The requirement to arrange another Rs.6 lakh after supposedly getting a Rs.7 lakh allocation is the biggest concern here.

Please do not try to recover the Rs.1 lakh by paying another Rs.6 lakh.

That can increase your exposure substantially.

Your immediate priority should be to establish where the Rs.1 lakh actually sits and whether there is a genuine IPO mandate.

If you share the exact message received from FinsolAlgo about the Rs.7 lakh allocation and the Rs.6 lakh payment, I can examine the wording and tell you which parts look normal and which parts are red flags.

Best Regards,

K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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Dr Nagarajan J S K

Dr Nagarajan J S K   |3317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Oct 08, 2026

Career
I am a student and NEET aspirant. I appeared for Class 10 in 2024 and passed Class 10 in 2024. I completed and passed Class 12 in 2026. I also appeared for NEET (UG) 2026, including the re-examination, but unfortunately I could not qualify for admission. My Class 12 marks are relatively low, although I have successfully passed Class 12 in 2026. Therefore, I am considering appearing for the Class 12 Improvement Examination in 2027 to improve my marks. I would like to kindly ask for clarification regarding the following: Since I have already passed Class 12 in 2026, am I eligible to appear for the Class 12 Improvement Examination in 2027? If I improve my Class 12 marks in 2027, will I remain eligible to appear for NEET (UG) 2027? Will appearing for the Class 12 Improvement Examination in 2027 create any issue during NEET counselling or MBBS admission if I qualify NEET 2027? Will my one-year gap after Class 12 (2026–2027), due to preparing for NEET, cause any problem in NEET eligibility or during MBBS admission? If improvement is permitted, which Class 12 marks/marksheet would be considered for NEET 2027 eligibility and admission?
Ans: HI ALAM,
GREETINGS FROM THE REDIFFGURUS!
The Advantages of NEET:

* NO UPPER AGE LIMIT
* UNLIMITED ATTEMPTS for HSC
* UNLIMITED ATTEMPTS FOR NEET
* A MINIMUM AGGREGATE PERCENTAGE OF 50% (varying by category) IS SUFFICIENT TO QUALIFY FOR NEET (except for AIIMS)
* ASPIRANTS CAN PRESENT DIFFERENT BOARD EXAM MARK SHEETS.

Due to these factors, the number of NEET aspirants is higher compared to other exams.

If you have the required marks to appear for NEET, you can proceed with your preparation. As you mentioned that your HSC marks are low (specifics not disclosed), focus on strengthening your weak subjects to help you achieve your goal. Simply aiming for improvement is not enough; you need to make significant progress.

You are planning to take the improvement exam for your marks. While preparing for this, it is essential to enhance your understanding of the subjects that are also relevant for NEET. There is a possibility that you might achieve the same level of marks you previously obtained in HSC if you do not make substantial improvements. Therefore, concentrate on honing the subjects necessary for NEET as well.

BEST WISHES.

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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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