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Ramalingam

Ramalingam Kalirajan  |7016 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 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
RAHUL Question by RAHUL on Oct 24, 2023Hindi
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Hello sir, I m Rahul investing 12600 from last 6 year right now my age is 42 and my goal is 70-80 lac till I became 50 year, fund I am investing in canara robeco 6000, SBI Blue chip fund 2000, ICICI large and midcap 1500, bandhan large cap fund 1000, Aditya Birla Sun Life equity fund 2100

Ans: Hello Rahul,

It's great to hear that you've been investing consistently over the past 6 years. Your proactive approach towards financial planning is commendable.

Considering your age and the goal of achieving a corpus of 70-80 lakhs by the time you turn 50, it seems you're on a good path. However, it's essential to periodically review and adjust your investment strategy to align with your goals and risk tolerance.

Given the funds you're currently investing in, they seem to cover a range of market segments which is good for diversification. However, ensure that the portfolio is balanced and not overly concentrated in one sector or style.

Remember, the investment landscape can be dynamic. Therefore, it might be beneficial to consult with a Certified Financial Planner periodically to reassess your goals, risk profile, and portfolio performance.

Keep up the good work, Rahul, and stay invested!
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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Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

Asked by Anonymous - May 25, 2024Hindi
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am now 42 year old I don't have Any investment till now just started 4 month below I want to retire after 10 years but I want fund should reach atleast 2.50cr how much should I invest more and my below funds are ok to continue I can take risk canara Rabeco equity Hybrid fund regular plan growth 5000 month ICICI Prudential equity &Debt Fund growth. 11000 month Mirai Asset Emerging Bluechip fund Growth 2500 month Motilal Oswal Midcap fund regular growth 10000 month Nippon india Large cap fund Growth 10000 month Nippon India Small Cap fund Growth 15000 month Quant Active Fund growth 11000 month SBI Large & Midcap Fund regular growth 7500 month Tata digital India fund regular growth 6500 month Nippon multiCap 15000
Ans: Evaluating Your Investment Plan
You have started investing recently and aim to retire in 10 years with a corpus of Rs 2.50 crores. You are currently investing in several mutual funds. Let’s assess your current investment strategy and determine how much more you need to invest to achieve your goal.

Current Investment Contributions
Your current investments per month are as follows:

Canara Rabeco Equity Hybrid Fund: Rs 5,000
ICICI Prudential Equity & Debt Fund: Rs 11,000
Mirai Asset Emerging Bluechip Fund: Rs 2,500
Motilal Oswal Midcap Fund: Rs 10,000
Nippon India Large Cap Fund: Rs 10,000
Nippon India Small Cap Fund: Rs 15,000
Quant Active Fund: Rs 11,000
SBI Large & Midcap Fund: Rs 7,500
Tata Digital India Fund: Rs 6,500
Nippon MultiCap: Rs 15,000
Total Monthly Investment
Your total monthly investment is Rs 93,000.

Risk Tolerance and Investment Horizon
Given your risk tolerance and 10-year horizon, equity investments are suitable. However, it’s essential to have a balanced portfolio to mitigate risks.

Assessing Fund Choices
Hybrid Funds: These funds balance between equity and debt, reducing volatility. However, they might not provide the highest returns.

Equity & Debt Funds: These also balance risk and return but focus more on equity.

Large Cap Funds: These funds are less volatile and suitable for stable growth.

Mid Cap and Small Cap Funds: These have higher growth potential but are more volatile.

Digital India Fund: This sector-specific fund focuses on technology, which is high-risk but potentially high-reward.

MultiCap Funds: These funds diversify across large, mid, and small cap stocks, balancing risk and return.

Recommendation for Asset Allocation
Diversification: Ensure your investments are diversified across various sectors and market capitalizations.

Balance Risk: Balance your high-risk investments with safer, more stable options.

Regular Review: Regularly review and adjust your portfolio based on market conditions and performance.

Calculating Future Corpus
To reach Rs 2.50 crores in 10 years, you need an effective strategy. Assuming an average annual return of 12%, let’s calculate the required monthly investment.

Required Monthly Investment
Based on a 12% annual return, you might need to invest approximately Rs 1,00,000 to Rs 1,10,000 per month to reach your goal. This is an estimate and actual returns may vary.

Steps to Achieve Your Goal
Increase SIP Amount: Consider increasing your SIP contributions by Rs 7,000 to Rs 17,000 per month.

Review Fund Performance: Regularly review the performance of your funds. Replace underperforming funds with better options.

Consult a Certified Financial Planner: Periodic consultation with a CFP can help you stay on track.

Advantages of Actively Managed Funds
Professional Management: Actively managed funds benefit from professional fund managers’ expertise.

Market Opportunities: Fund managers can exploit market opportunities for higher returns.

Risk Management: Active funds often have strategies to manage and mitigate risks.

Disadvantages of Index Funds
Limited Returns: Index funds aim to match the market, not outperform it.

No Flexibility: They lack the flexibility to react to market changes quickly.

Benefits of Regular Funds via MFD with CFP Credential
Expert Advice: Regular funds offer access to expert advice and financial planning.

Better Performance: These funds often outperform direct funds due to professional management.

Comprehensive Planning: Investing through a CFP ensures a holistic approach to financial planning.

Conclusion
Your investment strategy is on the right track. With a few adjustments and increased contributions, you can achieve your retirement goal. Regular reviews and professional guidance will ensure you stay on course.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Mutual Funds, Financial Planning Expert - Answered on May 25, 2024

Asked by Anonymous - May 25, 2024Hindi
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Hi Vivek am now 42 year old I don't have Any investment till now just started 4 month below I want to retire after 10 years but I want fund should reach atleast 2.50cr how much should I invest more and my below funds are ok to continue I can take risk canara Rabeco equity Hybrid fund regular plan growth 5000 month ICICI Prudential equity &Debt Fund growth. 11000 month Mirai Asset Emerging Bluechip fund Growth 2500 month Motilal Oswal Midcap fund regular growth 10000 month Nippon india Large cap fund Growth 10000 month Nippon India Small Cap fund Growth 15000 month Quant Active Fund growth 11000 month SBI Large & Midcap Fund regular growth 7500 month Tata digital India fund regular growth 6500 month Nippon multiCap 15000
Ans: Analyzing Your Current Investment Portfolio

You have taken the first steps toward a secure retirement by starting your investments. It’s commendable that you are willing to take risks for potentially higher returns. Your current portfolio comprises a mix of equity, hybrid, midcap, large cap, small cap, and multicap funds. This diversification is a good strategy, but let's see how you can optimize it further.

Current Investment Strategy

Your monthly investment in different funds totals Rs 94,000. Given your risk appetite, your portfolio’s focus on equity funds can help achieve higher returns. Each fund category serves a different purpose, from stability to growth, balancing risks and rewards.

Required Monthly Investment to Achieve Your Goal

To reach a target of Rs 2.50 crore in 10 years, considering an expected annual return of around 12%, you need to evaluate your current investment amount. While Rs 94,000 is a substantial contribution, a precise calculation with a financial tool would confirm if additional investment is necessary. Generally, with a higher equity exposure, achieving a 12% return over a decade is feasible.

Assessing and Optimizing Fund Allocation

Equity Hybrid Fund

These funds balance risk and return by investing in both equity and debt instruments. They provide stability in volatile markets, ensuring steady growth over time.

Equity & Debt Fund

Similar to hybrid funds, these offer a balanced approach, mitigating risks associated with pure equity funds. They are ideal for long-term goals, blending growth with safety.

Emerging Bluechip and Midcap Funds

These funds invest in companies with high growth potential. They are riskier but can offer substantial returns, suitable for aggressive investors like you.

Large Cap and Small Cap Funds

Large cap funds invest in well-established companies, offering stability and moderate returns. Small cap funds, though riskier, provide high growth potential. Combining both creates a balanced risk profile.

Multicap Fund

Multicap funds diversify across various market caps, balancing risk and returns effectively. They provide a mix of stability from large caps and growth from mid and small caps.

Sector Funds: Disadvantages

While sector funds, like the Digital India Fund in your portfolio, can offer high growth potential, they come with certain disadvantages:

High Risk: Sector funds are highly volatile as they depend on the performance of a specific sector. If the sector underperforms, the fund's value can decline significantly.

Lack of Diversification: These funds invest in a single sector, leading to concentrated risk. Unlike diversified funds, poor performance in the chosen sector can lead to substantial losses.

Market Timing: Successfully investing in sector funds requires precise market timing, which is challenging even for seasoned investors. Misjudging market trends can lead to poor investment outcomes.

Economic Cycles: Sector funds are highly sensitive to economic cycles. In a downturn, sector-specific investments can be hit hard, while diversified funds can better weather economic fluctuations.

Regulatory Risks: Sector funds are also subject to regulatory changes. For example, government policies affecting the IT sector can impact a Digital India Fund negatively.

Complementing Existing Investments

To further strengthen your portfolio, consider increasing investments in underrepresented sectors or categories. Ensure you review and adjust your portfolio periodically, aligning it with market conditions and personal financial goals.

Continuous Monitoring and Rebalancing

Investment strategies should evolve with market trends and personal circumstances. Regularly monitor fund performance and rebalance your portfolio annually. This ensures your investments remain aligned with your retirement goals.

Consulting with a Certified Financial Planner

Working with a Certified Financial Planner (CFP) can help optimize your investment strategy. They offer tailored advice, helping you navigate market fluctuations and adjust your portfolio accordingly.

Final Thoughts

Your proactive approach to securing your retirement is admirable. By maintaining a disciplined investment strategy and continuously optimizing your portfolio, achieving your Rs 2.50 crore goal is within reach. Stay committed and periodically review your investments for the best outcomes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7016 Answers  |Ask -

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

Asked by Anonymous - Nov 13, 2024Hindi
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I am 41 year old.Monthly earning after tax is 1.6 lacs.I have 2 daughters elder one is 9 yrs old and younger one is 2 years old.Currently investing 19k in SIP.5K in ppf,10k in nps. Also vpf 12k deduction.Please help me to build portfolio which will help for daughters education and my retirement too.
Ans: Building a robust financial portfolio requires a comprehensive, balanced approach. Let’s explore a 360-degree solution that addresses your children's education and your retirement goals.

Financial Snapshot
Age: 41 years
Monthly Income (after tax): Rs 1.6 lakhs
Existing Investments:
SIP: Rs 19,000
PPF: Rs 5,000
NPS: Rs 10,000
VPF: Rs 12,000
Step 1: Defining Financial Goals
Identifying your primary goals is essential for crafting a tailored plan. You’ve highlighted two key objectives:

Daughters’ Education: Likely needed in the next 10-15 years
Retirement: Planning to secure a stable, inflation-adjusted income for the post-retirement phase
Let’s address these through a structured investment approach, balancing growth and stability.

Step 2: Reviewing Current Investments
SIP (Systematic Investment Plan) – Rs 19,000
Analysis: SIP in mutual funds is a commendable approach to long-term wealth creation. However, selecting actively managed funds over index funds is preferable, especially when aiming for above-average returns. Actively managed funds have a dedicated fund manager who can potentially generate higher returns by navigating market fluctuations.

Recommendation: Ensure a mix of large-cap, mid-cap, and small-cap funds in your SIPs. Large-caps add stability, while mid-caps and small-caps contribute growth.

PPF (Public Provident Fund) – Rs 5,000
Analysis: PPF is a secure, tax-saving investment, ideal for conservative goals. However, PPF's fixed returns might not fully combat inflation, especially for longer-term goals like retirement.

Recommendation: Maintain your PPF contributions for tax benefits and partial safety but avoid relying on it as a primary wealth generator.

NPS (National Pension System) – Rs 10,000
Analysis: NPS is a good option for retirement, offering market-linked returns with tax benefits. However, NPS investments are locked until retirement, limiting liquidity.

Recommendation: Continue with NPS for its retirement-focused benefits. Opt for the active choice option, where you can decide on the equity-debt allocation, with a slight tilt towards equity for higher growth over time.

VPF (Voluntary Provident Fund) – Rs 12,000
Analysis: VPF offers safe returns and tax-saving benefits, but growth is limited. It’s best suited for the debt component of your portfolio, balancing out riskier equity investments.

Recommendation: Retain VPF contributions as a stable foundation but consider reducing it gradually to make room for more growth-oriented investments.

Step 3: Building an Optimized Portfolio for Your Goals
Goal 1: Daughters' Education
Equity Mutual Funds for Education Fund:

Allocate around Rs 15,000 per month towards equity mutual funds. These funds, when invested long-term, can grow at a rate sufficient to meet educational expenses.
Focus on a diversified portfolio of actively managed funds. Include large-cap funds for stability, flexi-cap funds for adaptability, and a portion in small-cap funds for aggressive growth.
Child-Specific Investment Plans:

Some fund houses offer child-specific mutual fund plans that combine equity and debt, designed for milestone needs like education. These plans can offer benefits, especially if you prefer a structured approach.
Regularly review and adjust the allocation based on your daughters’ education timeline, gradually shifting to more stable debt instruments as they approach college age.
Tax Efficiency:

Equity mutual funds are tax-efficient, especially if held long-term. Consider that long-term capital gains (LTCG) above Rs 1.25 lakh are now taxed at 12.5%.
PPF Contributions for Education:

PPF can act as an additional safety net for education, offering assured, tax-free returns. Continue with your Rs 5,000 contribution, as PPF matures in 15 years, coinciding with your elder daughter’s higher education needs.
Goal 2: Retirement Planning
Increase SIP Allocation for Retirement:

As your income allows, consider increasing your SIP allocation gradually, ensuring a larger retirement corpus.
Select a balanced mix of large-cap and flexi-cap funds. These provide stable growth while safeguarding against market volatility.
Review and Increase NPS Contributions:

NPS contributions align well with retirement objectives. However, if you aim for more flexibility, consider shifting some VPF allocation towards additional SIPs in balanced or conservative hybrid funds. This way, you’ll have greater control over withdrawals and growth.
Balanced Advantage Funds for Stability:

Balanced Advantage Funds can offer a stable, low-volatility approach to retirement planning. They automatically adjust equity and debt allocation based on market conditions, providing growth with controlled risk.
Build an Emergency Fund in Liquid Assets:

Establish a liquid emergency fund, equivalent to 6 months’ expenses, in a low-risk avenue like a liquid fund or high-yield savings account. This safeguards you from unexpected needs without disturbing your retirement portfolio.
Step 4: Optimising Tax Efficiency
Utilize Tax Benefits Fully:

Section 80C: Max out deductions through PPF, VPF, and ELSS (if included in your SIPs).
Section 80CCD(1B): NPS offers an additional Rs 50,000 deduction under this section, a unique benefit for retirement investors.
Long-Term Gains and Tax Implications:

As per the new rules, LTCG above Rs 1.25 lakh is taxed at 12.5% for equity mutual funds. Plan withdrawals in a staggered manner post-retirement to optimize gains while minimizing tax.
Debt Funds for Stability and Tax-Efficiency:

Debt funds can complement your retirement portfolio with steady returns. Remember that both LTCG and STCG in debt funds are taxed as per your income slab, so timing withdrawals efficiently will reduce tax outflow.
Final Insights
Crafting a balanced portfolio is essential to ensure that you achieve both your daughters' education and retirement goals. Maintaining the right equity-debt mix in mutual funds, alongside tax-efficient options like NPS and PPF, will steadily build your corpus. Revisit and realign the plan regularly to account for any changes in financial goals or market conditions.

With these tailored strategies, you are set to build a secure future for yourself and your family. Regular reviews will further enhance growth and stability, helping you achieve your financial milestones.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7016 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
Listen
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

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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