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Advait Arora  |1263 Answers  |Ask -

Financial Planner - Answered on May 02, 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
Ganesh Question by Ganesh on Apr 21, 2023Hindi

Hi how do you see yes bank shares performing in coming days. Will it be good to invest

Ans: not the best stock in the space.
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 Kalirajan  |5165 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

Asked by Anonymous - Jul 23, 2024Hindi
I am 60 years old. I have a SIP account of 2000 rs. Which i put every month. If i put 1 lakh as fixed. For how long i need to keep it in MF. And how much income will i get.
Ans: Your SIP of Rs 2000 per month is a good start. Investing regularly builds discipline and creates wealth over time.

Lump Sum Investment
You have Rs 1 lakh for a fixed investment. This is a strong move towards securing your financial future.

Investment Duration
To determine the duration, consider your financial goals. If you aim for retirement, a longer period is beneficial.

5 Years: Moderate returns, suitable for short-term goals.
10 Years: Higher returns, good for medium-term goals.
15 Years or More: Maximum returns, ideal for long-term goals like retirement.
Expected Returns
Mutual funds can offer varying returns. Historical data suggests:

Equity Funds: 10-15% per annum.
Debt Funds: 6-8% per annum.
Hybrid Funds: 8-12% per annum.
Assessing Risk
Understanding your risk tolerance is crucial.

Low Risk: Debt funds are stable and safer.
Moderate Risk: Hybrid funds balance equity and debt.
High Risk: Equity funds offer higher returns but are volatile.
Diversifying your investment reduces risk.

Equity Funds: Invest in multiple sectors.
Debt Funds: Choose a mix of short-term and long-term bonds.
Hybrid Funds: Combine both equity and debt.
Inflation and Tax Considerations
Inflation impacts your returns. Equity funds generally outpace inflation.

Equity Funds: Taxed at 10% after one year.
Debt Funds: Taxed based on your income slab if held for less than three years. After three years, taxed at 20% with indexation benefits.
Hybrid Funds: Tax treatment varies based on equity and debt proportion.
Regular Monitoring
Regularly review your investments. Adjust your portfolio based on market conditions and personal goals.

Professional Guidance
A Certified Financial Planner can offer personalized advice. They help in aligning your investments with your financial goals.

Final Insights
Investing Rs 2000 monthly in SIPs and Rs 1 lakh in mutual funds is wise.

Stay Invested: Longer durations yield better returns.
Diversify: Spread your investments across different funds.
Monitor: Regularly check your investments and adjust as needed.
Seek Guidance: A Certified Financial Planner can provide tailored advice.
Invest wisely to secure your future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner


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Ravi Mittal  |254 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 23, 2024

Asked by Anonymous - Jul 21, 2024Hindi
Me and my boyfriend are in long distance relationship from past 6 months, I told him about my past in almost starting of it that I had 2 friends with benefits in past and one of that person was my classmate as well as friend, and he used to still contact me, and when I came in relationship also, he called me during that time and I told regarding my relationship status, and I also informed my boyfriend that I talked with him but this thing happened before he knows that I had physical intimacy with him, then when he asked me to block, I suddenly question "what is the point of blocking him" which I regret the most, but I blocked him later by myself, now my boyfriend is sayine me that I have cheated him and he won't trust me till his death, but I told everything in past happened to him. I love him a lot but he is not giving to work together in this relationship and saying that he won't stay loyal to me anymore, he won't trust be ever, as per him I have cheated him, but my intentions were not wrong at all, tho that guy was in contact but I never initiate any conversation with him while I came into relationship, is it really a cheat, is it that he should not trust me anymore? Please guide
Ans: Dear Anonymous,

It sounds like you are going through a rough time and I am sorry for it. Here's a thought and I am sure you have thought of it too, try to see things from his perspective. While you know that you never cheated nor meant to, it is important to acknowledge that your boyfriend's feelings are valid. He is feeling betrayed and that's a fact. Now, our goal should be to fix this issue. How do we do it? Communication is the only way. Tell him that you understand his perspective but it is important that he sees yours too. If he wants to vent, listen to him. Do not interrupt or become defensive. Understand whatever he says is coming from his insecurity. I know it's difficult not to take it personally, but his statements will be a reflection of his feelings and not your character. Remember this during the conversation. Once he is done speaking, reassure him that you had no intention of cheating. You can also reassure him of your commitment. Promise to be more transparent and point out that you were honest with him from the beginning. If you had any intention to cheat, you could have easily not shared with him your past. But you did and that shows that you are committed to this relationship. Tell him that you understand the need for boundaries and it is not okay to be in touch with people who make your partner uncomfortable.

Look, rebuilding trust needs work and it also takes time. Both of you need to work on it. You will have to work on making him trust you and he will have to work on letting go of his misconception (which might be his reality) and trust you wholly again. Relationships don't work till two people trust each other completely. If he continues to say that he can't trust you again, it might be best to reconsider this relationship. Even though your words hurt him, you did not cheat on him in reality. Why should you have to live in fear that he will cheat on you merely to take revenge?

After you put in all the effort, see where it goes. If things do not get better, rethinking the relationship would be best. Everyone deserves someone who can trust and be trusted.

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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