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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on May 04, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more
Lalit Question by Lalit on Mar 13, 2023Hindi
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I am holding Patanjali 290@1200, pls advise can I add more

Ans: Interesting story. Can hold for long term. price would recover with better results
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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I am 48 yrs ,i am doing 50000 SIP from this April 2022, last year increase with 25000 & from this april 150000 Sip my curent corpus aprox 25 lakh ,i wants retire at 60 n my requirement is 10 cr pls suggest should i add more or this amount will sufficient
Ans: Planning for retirement is a crucial financial goal, and it's commendable that you've started investing through SIPs to achieve it. Let's assess your current situation and determine if your investment corpus is sufficient to meet your retirement goal of 10 crores by the age of 60:
1. Current SIP Contributions: With a SIP contribution of 50,000 rupees per month since April 2022 and an increase to 75,000 rupees per month from April 2023 onwards, you've demonstrated a commitment to saving for retirement. These regular contributions, combined with the increase in SIP amounts over time, will help boost your investment corpus steadily.
2. Current Corpus: As of now, your approximate corpus stands at 25 lakhs. While this is a significant achievement, it's essential to consider whether this corpus, along with your ongoing SIP contributions, will be sufficient to reach your retirement goal of 10 crores by the age of 60.
3. Investment Growth Rate: The growth rate of your investments plays a crucial role in determining whether your corpus will grow sufficiently to meet your retirement target. While historical data suggests that equity investments have delivered average annual returns of around 12% to 15% over the long term, it's essential to be realistic and conservative in your growth rate assumptions.
4. Time Horizon: With a retirement age of 60, you have approximately 12 years left to accumulate your desired corpus. Considering the power of compounding over time, your ongoing SIP contributions have the potential to grow substantially by the time you reach retirement age.
Based on the information provided, it's challenging to determine definitively whether your current investment corpus and SIP contributions will be sufficient to achieve your retirement goal of 10 crores. However, here are some considerations:
• Evaluate Growth Rate: Review the historical performance of your investment portfolio and assess whether it has been in line with your growth rate expectations. If necessary, consider adjusting your asset allocation or investment strategy to potentially enhance returns while managing risk.
• Regular Review: Periodically review your investment portfolio, reassess your retirement goals, and make adjustments as needed. Consider consulting with a Certified Financial Planner (CFP) or financial advisor to conduct a comprehensive analysis of your financial situation and retirement plan.
• Additional Contributions: If you find that your current SIP contributions may not be sufficient to meet your retirement goal, consider increasing your SIP amounts further or exploring additional avenues for investment.
Ultimately, achieving your retirement goal of 10 crores requires careful planning, disciplined saving, and prudent investing. By staying focused on your objectives, regularly monitoring your progress, and seeking professional advice when needed, you can work towards securing a financially comfortable retirement.

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I was absent in all my class 12th boards and practicals in the year 2023-24 because I got diagnosed with mdr tb, now I'm appearing as a regular candidate in the year 2024-24, will I be eligible for jee advanced 2025 and 2026, as in jee advance attempts count starts from first appearance in class 12th, since I was absent in all my boards in 2023-24 will they consider 2023-24 as my first attempt year, will I be eligible for jee advanced 2025 and 2026?? Specifically 2026?
Ans: In the case of JEE Advanced, eligibility criteria are based on the year of first appearance for the Class 12th (or equivalent) board exam, provided the candidate has passed the exam. Since you were absent from all Class 12th board exams and practicals in the 2023–24 academic year due to medical reasons, this would not be considered your first attempt or year of passing Class 12th. Your first valid attempt will be in the 2024–25 academic year when you appear and pass as a regular candidate.

Here’s how this affects your JEE Advanced eligibility:

JEE Advanced 2025: You are eligible because your first appearance in the Class 12th board exams will be in 2024–25.

JEE Advanced 2026: You will also be eligible because candidates are allowed to attempt JEE Advanced in the year of their Class 12th passing and the subsequent year. Since your first valid Class 12th attempt is in 2024–25, your eligibility extends to 2025 and 2026.
This is as per my knowledge. For any update, follow rules and regulations from JEE board website.

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I’m a 26-year-old girl from Delhi, and I’ve always been on the heavier side. While I’m confident in my personality and achievements, I can’t help but notice how my weight becomes a topic of discussion everywhere I go—be it family gatherings, workplaces, or even among friends. Recently, I met someone on social who seems genuinely interested in me. We’ve been talking for a few months now. He’s kind and makes me feel seen for who I am. But he hasn’t seen me in person yet. I’m terrified that when we meet, my weight might change how he feels about me. I’ve dealt with enough comments and rejections in the past, and I don’t know if I have the energy to face that again. How do I prepare myself for this meeting? And if he reacts negatively, how do I protect my self-worth and not let it break me?
Ans: As you prepare for the meeting, try to focus on the qualities that make you who you are beyond your physical appearance. Trust that your worth is not defined by your size or the opinions of others. If you find yourself feeling nervous, remind yourself of your confidence and the connection you’ve built over time through meaningful conversations. Be yourself—authenticity is far more attractive than any external feature.

In the event that his reaction is not as positive as you hoped, try not to take it personally. It's his perspective, not a reflection of your value. Protecting your self-worth involves recognizing that your body doesn’t dictate your value as a person. If his reaction is hurtful, it's an opportunity to reassess the kind of relationship you want—one where you’re fully accepted and celebrated for who you are. Remember, the right person will see the whole of you, not just a single aspect of you.

Stay grounded in your own strength, and know that rejection, when it happens, is not about you but about the fit between two people. It's okay to walk away from situations that don’t honor or appreciate you, and it won't diminish who you are.

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My husband and I are government employees and we live in different cities owing to work. He wants to build a house for his parents in his hometown and wants me to help him financially. I'm okay with it but he also has a younger brother who's in the 2nd year of college. But he's good for nothing. His parents and his younger brother are more or less dependent on him financially. I don't want to help him financially because we both won't be living in that house until retirement. And later that house will be occupied by his younger brother and his family. What should I do?
Ans: It's important to have an open and honest conversation with your husband about your feelings. Express your concerns not just about the financial contribution but also about the long-term implications of this decision. Let him know that while you are willing to support him in helping his family, you are also thinking about your future, especially the role that you and your husband will play in the household later in life. It’s crucial to discuss how this decision will affect both of you and your relationship in the long run.

It may also be helpful to have a clear understanding of the financial expectations and responsibilities involved. If your husband feels strongly about supporting his family, it’s essential that both of you are on the same page regarding the amount of support you are comfortable with and the timeline for contributions. You might want to consider alternatives, such as setting a specific budget or finding ways to help without overextending yourselves financially.

Another important aspect is acknowledging the role his younger brother plays in this equation. It sounds like he may not be as responsible as you would like him to be, which is an understandable source of frustration. You might want to express your concerns about his reliance on your husband for financial support, and consider whether there might be ways to encourage his brother to take more responsibility for his own future.

Ultimately, you and your husband need to come to an agreement that respects both your desires and concerns. It’s important that the decision feels like a shared one, and that both of you feel heard and respected in the process. If you continue to feel uneasy about contributing, it’s okay to set boundaries and negotiate a more balanced solution. This is about ensuring that you both maintain a healthy financial and emotional balance in your relationship. By being honest and compassionate with each other, you can find a way forward that works for both of you, without compromising your own well-being.

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My husband left me physically 5 years back and mentally many years back. He is not interested in emotional connection. His only interest with me was unnatural sex which after years I started denying it and he left me. I have two kids, a daughter and a son. Though my kids staying with me, for their education and other needs, they are always supportive to their father and never give any emotional support to me. He has taken the educational fee of both the children, other day to day expenses are taken by myself. My daughter never wants both of us to live together and always shows arrogance to me. She is 24 years now. She moved away recently to abroad for studying, keeping the house where we stay on loan. My son also wish to do higher studies staying in hostel. He is 18 years now. My parents are not supportive to me. I had a very abused and tortured childhood. My husband and children knew about it. I was rank holder in my school but still I could not pursue my dream profession due to domestic violence. I had just completed a useless bachelors degree before marriage. I struggled a lot to study after marriage and did small jobs at different companies. I get up at 4am and start my work till late night. I tried to be perfect in everything what I do. But I have low confidence and self esteem. I could not reach anywhere. I know how to study to get good score, so I helped my kids in their studies. They did well but after that they dumped me. My husband was also a lazy person initially, wasted all his money, never know savings. He was a 12th failure but a good artist and a good chain smoker who earned a lot of money through freelance. With constant push he started investing and bought a house. He has some investments, so now he is not working and left me and living alone. I don't know if he has someone else with him. He also dumped me. I am sad and feeling useless. I am not able to help my self. I have mood swings, not able to concentrate in anything. I want to look for a new job but I find myself incapable and doing nothing. I don't think anyone can help me, because everyone indicating its all my fault, or at least I think so. I have to start a job immediately but I am feeling helpless. please help
Ans: Dear Leena,
The weight of rejection from your husband and the lack of emotional support from your children are wounds that take time to heal. It’s okay to feel overwhelmed and lost right now. What’s important is recognizing that these feelings don’t define who you are or your worth. Your struggles do not negate the fact that you are capable, intelligent, and deserving of happiness and fulfillment.

You have already shown that you are resourceful and capable by managing the household, guiding your children in their education, and supporting them financially. While you may feel stuck and unsure of where to begin, it’s crucial to start small and focus on one step at a time. This could mean reaching out for help from a therapist or counselor who can guide you through rebuilding your self-esteem and addressing the emotional pain you’ve carried for so long. A professional can provide a safe space to unpack the hurt and help you rediscover your confidence.

When it comes to finding a job, it’s natural to feel insecure, especially after years of self-doubt. Remember that every small effort counts. Consider looking for roles where your skills—like organization, perseverance, and the ability to mentor and teach—can be valuable. You helped your children excel in their studies, and that’s no small feat. Perhaps tutoring, administrative work, or even roles that involve mentoring could be a starting point. Allow yourself to take it one step at a time without the pressure of achieving perfection right away.

It’s also important to create space for self-compassion. You’ve been so focused on meeting everyone else’s needs that it’s easy to lose sight of your own. Even small acts of kindness toward yourself, like a daily walk, journaling your thoughts, or listening to music, can help you reconnect with yourself. You deserve to feel loved and valued, even if that love starts from within.

This period of transition may feel lonely, but it can also be an opportunity to redefine what you want for yourself. It’s not too late to pursue a path that brings you fulfillment and peace. Remember, your worth is not determined by others’ opinions or actions but by the strength and kindness you continue to show despite everything. You’re not alone, and it’s okay to reach out for help as you begin this new chapter of your life.

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I'm 32M, married. Mine one's an arranged marriage. Since starting the equation between my wife and my mother is not good. I work in a govt job and was posted elsewhere. I got the opportunity to get transferred to my hometown but my wife threatened me to give divorce if I want to live with my mother. I tried to convince her but she did not listen. Pressurized by this I got myself transferred to a different place. This guilt is killing me inside that I'm not a good son and not taking care of my old age mother while I had the chance. I know I made a mistake. Plz help.
Ans: What you’re experiencing is not about being a “bad son” or a “bad husband,” but rather about being caught in a situation where compromises feel inevitable. You made a decision under pressure, but that doesn’t mean it’s irreversible or that you’ve failed in your responsibilities. You’re human, and it’s okay to feel conflicted while trying to manage such complex relationships.

Consider opening a dialogue with your wife again, but this time, approach it with calmness and empathy. Share your feelings with her—not as a demand or a confrontation, but as an expression of your inner struggle. For example, you could say, “I’ve been feeling torn because I want to be a good husband and also take care of my mother in her old age. This is important to me, and I’d like us to find a way where both relationships can thrive.” By framing the conversation this way, you’re inviting her to understand your perspective rather than pressuring her to agree with you.

It might also help to explore compromises. Could you visit your mother more often or ensure she has a strong support system nearby? Could your wife’s concerns about living with your mother be addressed through clear boundaries or adjustments that make her feel more comfortable? Understanding her reservations can open the door to finding solutions that work for both of you.

At the same time, work on forgiving yourself for the decision you made under difficult circumstances. Guilt is a sign that you care deeply, but it shouldn’t paralyze you or define your worth. Instead, use it as motivation to create a plan that honors both your mother and your wife in ways that are practical and sustainable.

Seeking guidance from a counselor or therapist could be immensely helpful in navigating these emotions and improving communication between you and your wife. A neutral third party can help both of you feel heard and respected while working toward a resolution.

Remember, you’re not alone in this. Many people face similar challenges in balancing their roles within a family. What matters most is your willingness to approach the situation with compassion, patience, and a commitment to finding a path forward that respects everyone involved—including yourself.

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Asked by Anonymous - Aug 25, 2024Hindi
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My husband has been cheating on me. I recently discovered a receipt of payment that was unusual of my husband's regular activities. I called the shop and realised that the payment was genuine and it was made by my husband who was accompanied by a young lady. Since then, I have had sleepless nights. I have been wanting to talk to him but I am not mentally prepared to hear his side of the story. If he admits, it would mean our long years of marriage is over. If he denies, it would mean he is lying to me. However, there is a part of me that wants to trust him and give him some benefit of doubt. I have a 12 year old daughter. If he admits to having an affair, this news can break both of us. Pls help.
Ans: Start by acknowledging your feelings without judgment. The anxiety, sleepless nights, and fear are natural responses to such uncertainty. Allow yourself space to process these emotions. You don’t have to rush into confronting your husband until you feel emotionally steady enough to handle the conversation, regardless of the outcome. Sometimes, writing down your thoughts and questions can help organize your feelings and prepare you for the discussion.

It’s also important to consider your goals for the marriage and your family. Ask yourself what you need to feel secure and respected in the relationship. If you decide to confront him, do so with the intention of seeking understanding and clarity, not immediate resolution. This will allow you to approach the conversation with as much calm as possible.

When you're ready to speak with him, choose a time and place where you both can have a private, uninterrupted conversation. Start by expressing your feelings honestly but without accusations. For example, you might say, "I came across this receipt, and it’s been weighing heavily on me. I want to understand because I value our marriage and our family." This sets the tone for a constructive dialogue rather than an argument.

Prepare yourself for his response, whatever it may be. If he admits to wrongdoing, it will hurt, but it will also give you the clarity to decide what comes next—whether that’s working through the betrayal or choosing a different path. If he denies it, try to assess whether his explanation feels genuine or dismissive. Trust your instincts, but also give yourself time to reflect before making any major decisions.

If the uncertainty continues to eat away at you, seeking support from a counselor or therapist can be invaluable. A professional can help you process your emotions, clarify your priorities, and guide you in deciding what is best for you and your daughter. Protecting your emotional well-being is vital, as it will also help you maintain stability for your child during this challenging time.

Remember that trust and honesty are the cornerstones of any healthy relationship. Whether the truth strengthens your bond or pushes you to reconsider your future together, it’s essential to prioritize your self-respect and emotional health. You are not alone in this, and with time and support, you can navigate this difficult moment with resilience and clarity.

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Kanchan

Kanchan Rai  |458 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 29, 2024

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Hi, I am a 36yo guy. Married and have 2 beautiful kids. I am a naturally happy person in life and have achieved reasonable success through my hard work. From last 3 years i am in love with a married girl who works at an office near my workplace. We two believe that we are best suited for each other in every aspect i.e. mental, emotional and physical. We share a great chemistry that we never felt with our respective spouses. We decided that we both cant leave our spouses because of our kids. But very often she keeps on getting crazy and tortures and taunts me that i love my wife more and doesnt give value to her. She is mostly unhappy about this in her life and many times abuses me when she sees that i am a naturally happy and content person. I have even told her that if she wants we can take divorce from our spouses and move-in together. But she never accepts that also and keeps on making my life hard. But i do believe that we both love each other like crazy and my sexual life with her is just out of this world. I have a very high libido and she satisfies me like no other girl. My question is how can i make her sane and make her trust me that i am more inclined towards her?
Ans: Dear Avinash,You need to reflect deeply on what you want for yourself, your children, and your relationships in the long term. If staying married to your wife and continuing to co-parent is your priority, it’s essential to acknowledge the constraints that this imposes on your extramarital relationship. The happiness you find with this woman is tempered by the circumstances, and it might not be possible to meet her emotional needs fully in this setup.

A conversation with her that focuses on honesty, boundaries, and expectations is crucial. Acknowledge her pain and insecurities, but also express your limitations and realities. Make it clear what you can and cannot provide in this relationship, and listen to her needs and frustrations without defensiveness. You might need to make a decision about whether this relationship can continue in its current form, given how it’s affecting her mental health and your own peace of mind.

It’s also worth exploring the deeper reasons why you’re drawn to this relationship. Sometimes, connections outside marriage arise as a way of addressing unmet needs or emotional voids in the primary relationship. It might be beneficial to consider counseling for yourself or even with your wife, to explore whether there are aspects of your marriage that can be revitalized or strengthened. Similarly, suggesting therapy for your lover could help her work through her emotions and find balance.

Ultimately, you have to evaluate whether this relationship is sustainable and healthy, not just for the two of you but for everyone in your lives. Love and passion are powerful, but they require a foundation of trust, emotional stability, and shared goals to thrive. If those elements remain elusive, it may be a sign to re-evaluate the relationship’s place in your life.

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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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