Hello Sir, I am 34 years old and with 10 years in mind for investment to reach 1CR, I have planned to invest 30K monthly in SIP with stepping up by 10-12% every year. I am already investing the below amounts in MF schemes 5K - Parag Parikh Flexi Cap, 5K - Motilal Oswal Mid Cap, 5K - Nippon India Small Cap, 5K - HDFC Balance Advantage Fund. I am a bit confused for the remaining 10K i.e., where to invest. Shall I increase the already invest amount in MF or shall take 1-2 more MFs scheme like Multi-Cap/Large Cap/another Flexi Cap OR any hybrid MF schemes Would taking 1-2 more MF scheme will overdiversify the portfolio? Can you please suggest some pointers on this.

Ans: Hi Rafique,
It is possible to get admission to a government medical college. Just follow the website for further details.

ALL THE BEST.

Ans: Regarding NEET: Proceed as per Dad's instructions.

Regarding Coaching: Not an issue. Since you have prior experience with coaching, and you are retaking the NEET, you should be familiar with the question paper pattern. Identify the subjects where you scored less or feel weak and work on them. You will surely achieve high marks and secure admission in one of the best institutions.

All the best!

Ans: Dear Vishwa,
Seek the help of a medical expert for this please.
And oh, it can be useful to channel that energy into sports or the gym during the day so that you can get a good night's sleep.

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

Ans: Dear Anonymous,
Just imagine a situation where this maid cries 'foul' after your association and then you have to live within the same apartment/society/surrounding.
Oooops, and she's not attracted towards you, then why are you all over the place on this one? Better to focus on your life and it might help to find another maid to work at your place.

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

Ans: Dear Manglemba,
My suggestion may not be very effective as your post/question has very limited information. When you say, 'crazy', what does that mean? 'Brain disorder', as in? Does this condition impact any cognitive functions?
You might want to check with a medical expert if you need any treatment based on the reports for the medical condition.

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

Ans: Dear Anonymous,
All questions directed towards me will always be answered by me. There is no option of sending the response by email as this platform is a direct interface between readers and the Gurus.
It might be useful for you to check your email for a notification on the response. In case, you still face a challenge, kindly post your question again.

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

Ans: Dear Anonymous,
Your husband wants a family without responsibilities and that's why neither is he interested in the baby nor in paying the bills...This is not just insensitivity but lack of emotional immaturity and the unwillingness to take on responsibilities head on...Approach a senior male member within the family who is someone that has been a role model to others in terms executing family responsibilities and is also caring and affectionate. This person can appeal to your husband and talk some sense into him.

If there's no one that fits the bill, the only option is to go to a professional for Couples Therapy. There's a reason why your husband avoids his duties as a husband and father and that needs to be uncovered and sorted out. It will also help the two of bond and connect better. Make this attempt before jumping into divorce; separating is a whole different world that comes with its own set of challenges and with the baby now in the picture, work at the marriage and putting things together.

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

Ans: Dear Sam,
I am sure that you are wise enough to understand that stepping out of marriage and searching for sex outside is going to involve a lot of complications.
Reconnect with your wife instead; it's possible that with growing children and responsibilities, she has also forgotten that physical intimacy can help couples bond. It's easy to sway outside marriage and spoil a good marriage...so, work on your marriage instead...

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

Ans: Yes, retail angel investing for the startup is definitely possible; however, it is perfectly legal in India if it happens according to the rules and regulations provided by SEBI- The Securities and Exchange Board of India. One would say that angel investing is all about being a rich person. Well, not anymore. Today, with some of the online portals, you can even invest in starting up with as little as ?50,000 or ?1 lakh. That is a huge plus for retail investors like you who would like to support early-stage ventures but do not have big amounts of capital.

You must be wondering if really small amounts of investment are legal. The good news is that, yes, they are, but they have to happen through regulated channels. SEBI has put forth guidelines under the Alternative Investment Fund (AIF) category so that the process is above board. These platforms connect investors to startups in a structured way and offer transparency with legal safety. Therefore, it is a very risky proposition- the very nature of angel investing means you're essentially betting on new startups. Most of the time, companies either hit huge or hit nothing. Therefore, as mentioned before, legal and accessible always consider the risks and make the right decision.

About the platforms, in India, few are especially for retail investors looking for angel investing. A few of the popular ones are AngelList, LetsVenture, and Tyke. Here you have all these startups at different levels looking to raise funds. It enables you to go through the startups, see what their business models are, and pick the ones you find believable to have some potential. What's so fascinating about these platforms is the way they help to amalgamate smaller investments coming in from many individuals to cater to the needs of the startup. So, even if you are just putting in ?1 lakh, you become a part of a much larger group of investors, making it relatively easy for the startup to raise funds as required.

Now, although your investment sum is smaller, this also has to be approached with caution. You will have to research the backgrounds of these startups, their business plans, and the sectors they focus on. Given that this is a game of high risks, you also want to invest in a few different kinds of startups to differentiate your risk a bit. Furthermore, the other thing that might build up from these platforms would be the provision of access to due diligence reports and investor meetups, which would make you even more confident in making decisions regarding your investments.

In short, Yes, you can begin angel investing with relatively small amounts and some platforms help retail investors like you to get legally involved and safely. Just do your homework right, do some more research, talk to people who have been in the same situation, take some risks, and be patient- it's all part of the exciting journey of startup investing.