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Are my mutual fund investments suitable for my goals?

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 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
Jigar Question by Jigar on Oct 30, 2024Hindi
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Hello Sir, Kindly review my mutual fund portfolio, Canara robeco value fund -5k Edelweiss mid cap fund-5k Tata small cap fund-5k JM flexi cap fund-5k NPS -5k Is there required any modifications?

Ans: Below is an analysis of your current selection and some tailored suggestions to optimize your investments further.

 

Portfolio Analysis
Your portfolio includes a diversified mix of funds, covering multiple categories such as value, mid-cap, small-cap, and flexi-cap. This diversification across various market segments can benefit your portfolio over time. Here’s a closer look at each type:

Value Fund
Value funds invest in stocks that appear to be undervalued relative to their intrinsic value. They can provide long-term growth if the chosen stocks gain value over time. However, value funds may require patience, as they tend to perform better over a longer horizon.

Mid-Cap Fund
Mid-cap funds offer a blend of growth potential and moderate risk. They are ideal for investors with a long investment horizon as they can capitalize on mid-sized companies with growth potential. Your allocation here is well-positioned for potential high returns.

Small-Cap Fund
Small-cap funds are known for their high-risk, high-reward nature. They can provide substantial returns, especially in a rising market, but also tend to be more volatile. Since these funds require a high-risk appetite, ensure they align with your risk tolerance.

Flexi-Cap Fund
Flexi-cap funds bring flexibility by investing across large, mid, and small-cap stocks based on market conditions. This adaptability helps reduce risk while capturing opportunities across market segments, making it a strong choice for diverse returns.

 

NPS Contribution
Your regular NPS contributions are a solid addition to your retirement planning. NPS offers tax benefits and is structured to build a retirement corpus with lower risk through a balanced exposure to equity and debt. However, consider increasing this contribution gradually if retirement planning is a priority, as it ensures a steady, low-cost source of income at retirement.

 

Suggested Modifications
To enhance your portfolio’s effectiveness, here are a few suggestions:

Consider Adding Large-Cap or Balanced Hybrid Fund
While mid- and small-cap funds add growth, they can also increase volatility. Adding a large-cap fund or a balanced hybrid fund can provide stability by focusing on larger, more stable companies. This would create a balanced growth cushion, especially if the market faces turbulence.

Review SIP Allocation Regularly
Reviewing your SIP allocation every 1-2 years is essential. It will allow you to assess if your goals remain aligned with market changes and personal financial growth.

Increase SIP Gradually if Possible
Consider incrementing your SIPs annually. A gradual increase of even 5-10% can make a significant difference over the years, boosting your long-term corpus without a major impact on your cash flow.

 

Final Insights
Your portfolio is strategically diversified and includes funds that can help achieve solid long-term growth. The suggested addition of a large-cap or balanced hybrid fund would help mitigate volatility and create more stability. With regular review and a slight increase in SIPs, you are well on track to building a robust financial future.

 

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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Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Sir, I have the following Mutual Funds SIP monthly amount- 1) Motilal Oswal Midcap Fund - 3000 2) Nippon India Large Cap Fund - 3000 3) Parag Parikh Flexi Cap Fund - 3000 4) Quant Infrastructure Fund - 3000 5) Quant Multi Asset Fund - 3000 6) Quant Small Cap Fund - 3000 7) Axis Small Cap Fund - 2000 please review my portfolio and advise, if any changes required.
Ans: Let's dive into a detailed analysis of your existing mutual fund SIP portfolio to identify potential areas for optimization and ensure alignment with your financial goals.

Assessing Your Current Portfolio
Your current portfolio consists of a diversified mix of mutual funds across various categories, including mid-cap, large-cap, flexi-cap, infrastructure, multi-asset, and small-cap funds. This demonstrates a well-rounded approach to investment diversification.

Evaluating Fund Performance and Risk Profile
Performance: Evaluate the historical performance of each fund relative to its benchmark index and peer group. Look for consistent performers with a track record of delivering above-average returns over the long term.

Risk Profile: Assess the risk profile of each fund based on factors such as volatility, standard deviation, and downside capture ratio. Ensure that the risk level aligns with your risk tolerance and investment horizon.

Identifying Redundancies and Overlaps
Review your portfolio for any redundancies or overlaps in investment objectives and underlying holdings. Eliminate duplicate exposures to similar asset classes or sectors to streamline your portfolio and reduce unnecessary risk.

Addressing Fund Selection and Allocation
Mid-Cap and Small-Cap Funds: Mid-cap and small-cap funds offer the potential for high growth but come with increased volatility. Evaluate your exposure to these segments and consider rebalancing if necessary to manage risk.

Large-Cap and Flexi-Cap Funds: Large-cap and flexi-cap funds provide stability and diversification. Ensure adequate allocation to these segments to mitigate volatility and capitalize on market opportunities.

Sectoral and Theme Funds: Review your exposure to sectoral and theme funds, such as infrastructure and multi-asset funds. While these funds can offer niche opportunities, they also carry concentrated risks. Consider reducing exposure or diversifying across sectors for better risk management.

Streamlining and Rebalancing Your Portfolio
Based on the assessment above, consider streamlining your portfolio by consolidating redundant funds and rebalancing allocations to align with your risk-return objectives. Focus on retaining high-quality funds with strong track records and reallocating resources to optimize diversification and minimize risk.

Monitoring and Reviewing Your Portfolio Regularly
Lastly, commit to monitoring your portfolio regularly and reviewing your investment strategy periodically to ensure continued alignment with your financial goals and evolving market conditions. Stay informed about fund performance, economic trends, and regulatory changes to make informed decisions.

Conclusion
In conclusion, while your current mutual fund portfolio demonstrates diversification and a proactive approach to investment, there may be opportunities to optimize allocations, address redundancies, and enhance risk-adjusted returns. By conducting a comprehensive review and making strategic adjustments, you can position your portfolio for long-term success and achieve your financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 28, 2024Hindi
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Can you review my mutual fund portfolio? I'm investing in these funds from last 3 years and I'm planning to continue for next 15 years. 55% in large cap 30 percent in mid cap 15 percent in small cap. UTI NIFTY 50 MOTILAL OSWAL NIFTY MIDCAP 150 PARAG PARIKH FLEXICAP MIRAE ASSET LARGE AND MID CAP KOTAK SMALL CAP
Ans: Your mutual fund portfolio reflects a thoughtful approach to diversification. It’s commendable that you have been investing consistently for three years and plan to continue for the next 15 years. Let's review your portfolio and provide recommendations to ensure it aligns with your long-term goals.

Portfolio Composition and Analysis
Your portfolio allocation is as follows:

55% in large cap
30% in mid cap
15% in small cap
Strengths of Your Portfolio
Diversification Across Market Caps
You have diversified your investments across large, mid, and small cap funds. This helps balance stability and growth potential.

Long-Term Investment Horizon
Investing for 15 years allows you to benefit from market cycles and compound growth, which is essential for wealth accumulation.

Selection of Funds
Your choice of funds includes a mix of large, mid, and small cap funds. Each type of fund plays a unique role in your portfolio.

Areas for Improvement
Active vs. Index Funds
Your portfolio includes index funds. While index funds are low-cost, they merely track the market. Actively managed funds aim to outperform the market and can provide better returns, especially in volatile markets.

Detailed Fund Review
Large Cap Allocation (55%)
Investing heavily in large cap funds provides stability and steady growth. However, actively managed large cap funds may offer better returns than index funds like UTI Nifty 50. Actively managed funds benefit from professional management and can adapt to market changes.

Mid Cap Allocation (30%)
Mid cap funds offer higher growth potential compared to large caps. They strike a balance between risk and return. Including actively managed mid cap funds can harness this potential more effectively than index funds like Motilal Oswal Nifty Midcap 150.

Small Cap Allocation (15%)
Small cap funds are riskier but can offer substantial returns. Your allocation to Kotak Small Cap is appropriate for the aggressive growth segment of your portfolio. However, consider including actively managed small cap funds for better risk management and potential returns.

Benefits of Actively Managed Funds
Professional Management
Actively managed funds are overseen by professional fund managers. They make investment decisions based on market research and trends, aiming to outperform benchmarks.

Flexibility
Active funds can adapt to market changes, reduce exposure to underperforming sectors, and increase investment in potential high-growth areas.

Potential for Higher Returns
Actively managed funds can provide better returns, especially in volatile or down markets, compared to index funds which track market performance.

Regular Funds vs. Direct Funds
Disadvantages of Direct Funds
Direct funds may have lower expense ratios but lack personalized advice. This can lead to suboptimal fund selection and portfolio management.

Benefits of Regular Funds
Investing through a Certified Financial Planner (CFP) ensures professional guidance. CFPs provide valuable insights, helping you choose the best funds to achieve your goals. They offer ongoing portfolio reviews and adjustments.

Recommendations for Your Portfolio
Review Fund Performance
Regularly review the performance of your funds. Replace underperforming funds with better-performing options to optimize returns.

Consider Actively Managed Funds
Shift some of your investments from index funds to actively managed funds. This can enhance your portfolio’s performance through professional management and strategic asset allocation.

Maintain Diversification
Continue diversifying across large, mid, and small cap funds. Ensure each category has a mix of actively managed funds for better growth potential.

Monitor and Adjust
Regularly monitor your portfolio. Adjust your investments based on market conditions and your financial goals. A Certified Financial Planner can help you with this process.

Conclusion
Your mutual fund portfolio is well-diversified and aligned with long-term growth. By incorporating actively managed funds and seeking professional advice, you can enhance your returns and achieve your financial goals more effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 03, 2024

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Hi Sir, I am 37 years old. Am investing 30 k with step in below mutual funds. Please review my portfolio and let me know if it requires any adjustments . 1. Quant small cap fund direct growth. 2. Axis small cap fund direct growth. 3 . Parag parikh flexi cap fund direct grwoth. 4 ICICI prudential infrastructure fund direct growth. 5 Canara Robecco ELSS tax saver. 6 Nippon india small cap fund direct growth. 7 SBI magnum Gilt fund direct growth. 8. Aditya Birla sunlife fund direct growth.
Ans: ou have invested Rs 30,000 across multiple mutual funds. Your portfolio includes small-cap, flexi-cap, infrastructure, ELSS tax saver, and gilt funds. This diversified approach is commendable as it spreads risk and capitalises on different market segments.

Small Cap Funds
You have allocated funds to three small-cap mutual funds. Small-cap funds offer high growth potential but come with higher risk. It is crucial to monitor their performance regularly. Ensure you are comfortable with the volatility associated with small-cap investments.

Flexi Cap Fund
The flexi-cap fund in your portfolio provides flexibility to invest across market capitalizations. This fund is a good choice as it balances risk and returns. Flexi-cap funds can adapt to market changes, making them a robust component of your portfolio.

Infrastructure Fund
Your investment in an infrastructure fund targets a specific sector with long-term growth potential. Infrastructure projects are crucial for economic development, which can lead to substantial returns. However, sector-specific funds can be volatile, so keep an eye on the performance and market conditions.

ELSS Tax Saver Fund
The ELSS tax saver fund is a smart choice for tax benefits under Section 80C of the Income Tax Act. It has a lock-in period of three years, which encourages long-term investment. ELSS funds also have the potential for high returns due to their equity exposure.

Gilt Fund
The gilt fund in your portfolio invests in government securities. These funds are low-risk and provide stable returns. Gilt funds are suitable for conservative investors seeking safety and predictable income. They help balance the risk in your overall portfolio.

Assessment of Direct Growth Funds
You have chosen direct growth funds, which have lower expense ratios compared to regular funds. This can lead to higher returns over time. However, direct funds require more active management and monitoring. Consider consulting with a Certified Financial Planner for guidance.

Evaluating Portfolio Allocation
Your portfolio is diversified across different fund types, which is excellent for risk management. However, having multiple small-cap funds might increase your risk exposure. Diversifying into different sectors and market caps can provide a more balanced approach.

Recommendations for Adjustments
Consider reducing the number of small-cap funds to avoid overexposure to high risk. Adding more balanced funds or large-cap funds can provide stability. Reviewing the performance of sector-specific funds regularly is also essential.

Conclusion
Your investment choices are diversified, which is a strong point. Monitoring performance and making adjustments as needed can enhance your portfolio's potential. Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6956 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Money
Dear Sir, can you please comment on my mutual fund portfolio 1) ICICI Equity and Debt Hybrid Fund -40% 2) HDFC Focused 30 Fund - 20% 3) Quant Large & Mid cap Fund - 20% 4) UTI Nifty 200 Momentum 30 Index Fund - 10% 5) Mafang ETF -10%
Ans: It's wonderful that you are investing in mutual funds. Your portfolio includes a mix of hybrid, focused, large & mid-cap, index, and ETF funds. Let’s evaluate each part of your portfolio in detail to understand its strengths and areas for improvement.

ICICI Equity and Debt Hybrid Fund - 40%

Hybrid funds are a balanced investment option. They invest in both equity and debt instruments.

Advantages:

Provides balanced growth with lower risk due to debt component.
Suitable for moderate risk tolerance.
Considerations:

Hybrid funds might not deliver high returns compared to pure equity funds.
Regular monitoring is necessary to ensure the fund aligns with your goals.
HDFC Focused 30 Fund - 20%

Focused funds invest in a limited number of stocks. This can lead to higher returns but also higher risk.

Advantages:

High potential for returns due to concentrated portfolio.
Suitable for investors with high-risk tolerance.
Considerations:

Higher risk due to less diversification.
Performance depends heavily on selected stocks.
Quant Large & Mid-Cap Fund - 20%

Large & mid-cap funds invest in both large-cap and mid-cap stocks, providing a mix of stability and growth.

Advantages:

Balances stability of large-caps with growth potential of mid-caps.
Good for long-term wealth creation.
Considerations:

Mid-cap stocks can be volatile.
Requires regular review to ensure it meets your investment objectives.
UTI Nifty 200 Momentum 30 Index Fund - 10%

Index funds track a specific index. They are passively managed and generally have lower fees.

Disadvantages:

Limited potential for high returns as they only match the index performance.
Cannot outperform the market, only mirror it.
Benefits of Actively Managed Funds:

Actively managed funds can outperform the market with skilled management.
Fund managers can adapt to market changes and seize opportunities.
Mafang ETF - 10%

ETFs track an index or a sector and are traded like stocks.

Disadvantages:

Similar to index funds, they cannot outperform the index.
ETF performance is tied to the market or sector it tracks.
Portfolio Evaluation and Recommendations

Diversification:

Your portfolio shows a good level of diversification. You have hybrid, focused, large & mid-cap, index, and ETF funds. Diversification spreads risk and can improve returns.

Risk Management:

Your portfolio has a balanced mix of high-risk and moderate-risk investments. The hybrid fund and large & mid-cap fund balance risk with stability. However, focused funds and mid-cap stocks carry higher risk. Ensure your risk tolerance matches the portfolio's risk level.

Active vs Passive Funds:

You have a mix of actively managed and passive funds. Passive funds like index funds and ETFs have lower fees but may not outperform the market. Actively managed funds have the potential to outperform the market due to professional management. Consider increasing the proportion of actively managed funds for potentially higher returns.

Rebalancing:

Regularly rebalance your portfolio to maintain the desired asset allocation. Market changes can shift the balance, so periodic adjustments ensure alignment with your investment goals.

Considering Tax Implications:

Understand the tax implications of your investments. Equity mutual funds held for more than one year are subject to long-term capital gains tax. Hybrid funds with a higher equity component follow similar tax rules. Plan your investments considering tax efficiency.

Assessing Investment Goals

Review your investment goals. Are you investing for long-term wealth creation, retirement, or a specific financial target? Align your portfolio with your goals to ensure it meets your needs.

Importance of Regular Monitoring

Regularly monitor your investments. This helps in identifying underperforming funds and making necessary adjustments. Review the fund's performance, expense ratio, and market conditions.

Avoiding Common Investment Mistakes

Not Reviewing Portfolio:

Regularly review your portfolio to ensure it aligns with your goals.
Ignoring Market Trends:

Stay informed about market trends and economic conditions.
Overlooking Fund Performance:

Monitor fund performance and compare it with benchmarks and peers.
Seeking Professional Advice

Engage with a Certified Financial Planner (CFP) for personalized advice. A CFP can help you design a comprehensive investment plan, select suitable funds, and provide ongoing support.

Building a Strong Financial Foundation

Emergency Fund:

Maintain an emergency fund to cover unexpected expenses.
This provides financial stability and avoids liquidating investments.
Insurance Coverage:

Ensure adequate insurance coverage for life, health, and assets.
This protects you from financial setbacks due to unforeseen events.
Debt Management:

Manage your debts efficiently.
Avoid high-interest debt and focus on timely repayments.
Enhancing Financial Literacy

Enhance your financial literacy. Learn about different investment options, market trends, and financial planning strategies. This knowledge empowers you to make informed decisions.

Advantages of Investing through MFDs with CFP Credentials

Investing through a Mutual Fund Distributor (MFD) with CFP credentials offers several benefits:

Professional Guidance:

Access to expert advice and personalized investment strategies.
Regular Reviews:

Periodic reviews and rebalancing of your portfolio.
Tailored Investment Plans:

Investment plans tailored to your financial goals and risk tolerance.
Building Good Financial Habits

Develop good financial habits to achieve long-term financial goals:

Living Within Your Means:

Avoid overspending and live within your income.
Saving Regularly:

Save a portion of your income regularly.
Automate your savings to ensure consistency.
Investing Wisely:

Make informed investment decisions based on your risk tolerance and financial goals.
Setting Realistic Financial Goals

Set realistic financial goals. This helps in creating a focused investment plan. Your goals could include retirement, children's education, buying a house, or any specific financial target.

Creating a Long-Term Financial Plan

A long-term financial plan is essential for financial security. This includes:

Setting Financial Goals:

Define your financial goals and time horizon.
Creating a Savings Plan:

Develop a savings plan to achieve your goals.
Investing for the Future:

Invest in a diversified portfolio to grow your wealth.
Importance of Regular Rebalancing

Regularly rebalance your portfolio to maintain the desired asset allocation. This ensures that your investments remain aligned with your financial goals and risk tolerance.

Emphasizing Financial Discipline

Financial discipline is crucial. Stick to your budget, avoid unnecessary expenses, and prioritize savings and investments. This will improve your financial situation over time.

Recognizing the Importance of Financial Education

Financial education is vital. Learn about personal finance, budgeting, and investing. This knowledge empowers you to make informed financial decisions.

Engaging with a Certified Financial Planner

Engaging with a Certified Financial Planner (CFP) provides valuable guidance. A CFP offers personalized advice, helps you design a comprehensive financial plan, and assists in selecting suitable investments. This ensures that your investments align with your financial goals and risk tolerance.

Final Insights

Your mutual fund portfolio has a good mix of diversification and risk management. However, regular monitoring and rebalancing are essential to ensure alignment with your financial goals. Consider increasing the proportion of actively managed funds for potentially higher returns. Enhance your financial literacy to make informed decisions.

Engage with a Certified Financial Planner for personalized advice and ongoing support. Stay disciplined, avoid unnecessary expenses, and focus on long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |577 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 04, 2024

Asked by Anonymous - Nov 04, 2024Hindi
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What are different types of annuity plans. Do we have plan which gives fixed income till I live and then principle is return to my nominee. If I have 3 Cr , what max return per month I can get ? And is this tax free ?
Ans: Hello;

Annuities are types of plans where you make a lump sum payment and get a regular income for a certain period of time or for life.

There are primarily two types of annuities:

1. Immediate annuity
This is a type of annuity plan that provides you with a guaranteed regular income immediately after you pay the lump sum premium.

2. Deferred annuity
In a deferred annuity plan, your income starts at a later date and you can choose when you want the regular income to start.

Based on type of regular monthly payments annuities could also be classified as Fixed annuity and Variable annuity.

Below are the various options available in an annuity plan:

A. Life annuity: In this option, you receive annuity for life. The frequency of payments is usually pre-decided by you at the time of the purchase of the policy.

B. Joint life annuity: This is similar to a life annuity. In this option, you receive annuity payments for life. In your absence, your spouse continues to receive annuity payments for life.

C. Life annuity with return of purchase price: This provides you annuity payments for life. In case of an unfortunate event, your nominee will receive the amount you paid at the time of the purchase of the policy.

D. Annuity payable for a pre-decided term: This provides you the option to choose the duration for which you would want to receive annuity payments. The period can be 5 years, 10 years, or more.

Yes plans are available which can pay provide you fixed income and return of purchase price (principle) to your nominee.

With 3 Cr corpus you may expect 1.5 L (pre-tax) per month payout considering 6% annuity rate. This varies from company to company and if you shop around you may get a better rate then the one considered here.

This is like pension income and is taxable income as per your age and income slab.

Best wishes;

...Read more

Dr Dipankar

Dr Dipankar Dutta  |675 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Nov 04, 2024

Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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thank you for the reply madam, actually what's bothering me a lot is , i told to my alliance guy to stop marriage from his end only. but he not at all doing that and he is not even telling anyone that i told him No. Why he is behaving like this and proceeding to get married to me even after saying no? isn't this strange!
Ans: in many arranged situations, people sometimes feel a strong pressure to fulfill family expectations, and he may feel a sense of obligation to go through with the marriage regardless of personal feelings. He might be hesitant to be the one to break things off for fear of disappointing his family or even creating tension between the families involved. In some cases, individuals hesitate because they hope the other person might eventually change their mind, and they don’t want to be the one to let go prematurely.

Another possibility is that he could be uncertain or confused about what he truly wants. Even though you told him you weren’t interested, he might feel that it’s not a firm "no" and could be holding out hope or misinterpreting your intent. If he has strong feelings for you or sees the marriage as something that will eventually work, he may be hoping things will naturally fall into place if he just stays committed to the process.

To address this, it might be helpful to have a very clear, direct conversation with him. Let him know that you respect him and appreciate his consideration, but you’re certain about your decision and want him to honor it as well. If possible, express that you’re confident this decision is best for both of you and explain why you believe it would be more respectful for him to communicate this with both families.

In the end, staying true to your feelings is the right choice, even if it means repeatedly setting boundaries. It’s completely fair to expect him to respect your decision, and sometimes it does take a bit of firmness to ensure everyone is on the same page. Trust yourself in this decision; you know what’s best for you.

...Read more

Kanchan

Kanchan Rai  |389 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2024

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Relationship
He rejected me but still went to my class to see me one glance.Before Our last class I said him to meet with me I want to say you something.He came to meet with me but he was too late and our tiffin break time is over so I don't say anything to him. We just looking each other for some seconds.Then I said him if you want you can go .He don't go instantly.He looking at me for while and then go to his class.Whenever he sees me he start blushing and feel nervous.Many times I found him staring at me.He is a introvert guy .But still when we met with each other he making eye contact with me. My question is if he doesn't love me how can he maintain eye contact with me like this .He is not that handsome but he is really good student.I truly love him and Cried a lot for him but he don't know anything.I texted him sometimes but he don't look interested.But always I see him I feel like he have also feelings for me .His eyes tell me he love me but he rejected me .Why?. I can't able to forget him .I tried to my best to forget him but I failed . What should I do now?I really badly want to know his feelings for me because if he sees me only as a friend he doesn't go to my class to see me a glance.Why he blushing around me? How to know his true feelings?What should I do?How to forget or get him? I'm clueless.Please help me????????
Ans: It sounds like you’re dealing with a complicated mix of emotions, and the signals you’re picking up from him are understandably confusing. From everything you’ve described, it seems that he has a genuine respect and perhaps a friendly affection for you, but he may not be sure of or ready to pursue a romantic connection. Introverts, especially, can be complex; they may struggle to express their feelings, and small gestures, like making eye contact or blushing, might be signs of nervousness rather than attraction. This doesn’t mean he doesn’t appreciate or like you—it simply means he may be holding back, perhaps because of his own personal reasons or boundaries.

His rejection, though, is an important thing to consider. Often, when someone clearly communicates that they don’t feel the same way, it’s best to respect that as his truth for now, even if he seems to act otherwise sometimes. I understand this can be very hard, especially when you feel so strongly for him. But you need to protect your own feelings, too, and holding on to small signs might only add to your hurt and confusion.

If you feel it’s absolutely necessary to know how he truly feels, one approach could be to have a simple, direct conversation. Explain to him, in a calm and open way, that you value his friendship and respect his initial decision, but you’d appreciate clarity because lingering uncertainty is making it hard for you to move on. However, be prepared for any outcome. If he reaffirms his feelings of friendship only, try to accept that as his final answer.

In the meantime, put some of your focus back onto yourself. I know it sounds easier said than done, but investing energy in your interests, your growth, and friendships that uplift you can really help you feel less reliant on what he may or may not feel. Surround yourself with supportive people who remind you of your worth and help you feel loved and valued.

Love and connection should make you feel secure, cherished, and clear about where you stand. By focusing on yourself and letting him be, you’ll naturally create space for clarity—and eventually, perhaps, for someone whose feelings for you are just as strong and straightforward as yours are for them.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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