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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on Jul 24, 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
SANJAY Question by SANJAY on Jul 08, 2023Hindi
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i hv2500 mmtc avrg 48/share. what to do

Ans: MMTC has nothing great happening on its business front and growth is very tepid. I will refrain from it. There are better options in the market
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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Milind

Milind Vadjikar  |807 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 28, 2024Hindi
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Retiremen advice I am 50 yrs old single with recurring and chronic health issues. I would like to retire and I have 2 crore in FD 1 crore in stock and mutual funds I also own a home and a flat both are free of debt. Please advice me to restructure my assets and have a peaceful retirement. My tax consultant told me I can get up to 3 lakhs per month with 3 cr invested in stocks and mutual funds How realistic is it possible and how to montage the downside risks associated with it. I had been a victim of Franklin Templeton debt funds during covid and I do not trust Mutual funds houses or its manages as before.
Ans: Hello;

It is impossible to get 3 L per month with 3 Cr corpus in mutual funds, unless you are ready to deplete the corpus completely over 10-12 years.

Since you were impacted with Franklin Templeton debt funds issue earlier, I recommend you to buy an immediate annuity from a life insurance company for a sum of 2.8 Cr.

You may chose annuity for life with return of purchase price to your nominee.

It may yield you a post tax monthly income of around 1.1 L+.

After fulfilling your regular expenses you may begin a monthly sip of 10-15 K in any equity fund.

The corpus that this investment will generate over 10-15 years may be used to top-up annuity and hence monthly payouts to account for rise in the inflation.

You may keep balance 20 L corpus in savings account as emergency fund.

Although the Franklin Templeton debt fund issue was difficult for the unitholders of those funds, the alacrity and surgical precision with which SEBI handled that issue and ensured all investors get their money back was commendable.

We cannot control human behaviour but we have extremely robust system of checks and balances in regulation of our MF industry to safeguard investor interests at all costs even if some negative event occurs.

Seek help from a mutual fund distributor or an investment advisor for help, if required.

Best wishes;
X: @mars_invest

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Anu

Anu Krishna  |1413 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi
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Relationship
I live in a joint family with my brother and parents. I’ve been having a hard time managing my relationship with my bhabhi (sister-in-law). We live in the same house, and things have been tense lately. I’ve always tried to be polite and respectful, but there are constant little misunderstandings between us, and it’s starting to affect my peace of mind. We both want to keep things cordial for the family’s sake, but it feels like there’s always some tension whenever we interact. The problem is, I tend to get defensive whenever she says something I don’t agree with, and I know it’s only making things worse. I’m also trying to stay calm in front of everyone, but it’s hard not to let these small issues build up in my head. I really don’t want to keep feeling frustrated, but I don’t know how to change my approach. I love my brother and I want to improve the atmosphere at home and make sure I’m not letting these things affect me so much. Please help.
Ans: Dear Anonymous,
Joint family systems are filled with adventure and these things that you have brought up are part of that adventure.
Take things as they come and make sure you train yourself not to react...is this possible? YES, it is!
Let's say your Bhabhi accuses you of something, maybe your first reaction is to get defensive and explain or argue. Instead, what if you trained yourself to say: Okay, she's again accusing me of something; let's see what is the new thing that she has invented and let me have fun by simply listening.

This will ensure that your part of adventure gets playful and it will also enable you to respond rather than react. Now, does this happen overnight? NO, it requires a lot of mind training but start somewhere to get to someplace different.

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

...Read more

Anu

Anu Krishna  |1413 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

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Relationship
Hi, I Am 26(M). I had an arranged marriage, my wife had a pre-marital affair which continued even after our engagement and for 9 months of marriage. According to my wife, she met him once and he wanted to have sex but my wife didn't do it. (The used to chat on Instagram). I found out today after 2 years of marriage. And we just had a baby. My wife asked me to use Instagram after we got engaged, but I refused because I was afraid it would have a bad effect on her. I don't even use it cause I know what can go wrong. When I caught her red-handed and saw the man's chats, I took her phone. And then I had read a little chat, then my wife came to me and said that she had to call our maid. I gave her the phone and she not only spoke on the phone but also deleted the chats with the guy. My eyes were closed when she spoke to maid on the phone. Cause I was so tired. Then I asked my wife to talk to him in front of me because I wanted to teach him a lesson and find his fiancée and tell her the truth. I'm very loyal to my wife. And she was my world. I've never had a girlfriend. I am open minded and I had asked my wife before the engagement, after the engagement on the phone and even after the marriage that if she had a past, I will accept it. My wife messaged him and he asked her talk on video call. The guy also knows that we have just had a baby who is not even 1 month old. I turned on the screen recording of the video call and gave it to my wife. In that screen recording, my wife texted the guy and told him to talk carefully cause I was sitting in front of her and then deleted the message with option of 'delete for you' on Instagram. This is how my wife cheated on me 2 times even after being caught. She told me that she loved me later on. And she took great care of me. She brought me out of depression. She did everything and I also loved her with all my heart and did everything for her. Right now she is saying I forgive her and she wants to live with me like before. She apologized a ton as well. But I don't know what to do at the moment. After so many lies, I can't trust her easily. She has a habit of lying in small things as well. I want to live with her, she was my support, my mother is not even there. when I was 12 years old... Now what do I do? Please kindly guide me!
Ans: Dear LoneKnight,
Yes, you feel like your trust has been broken. Is it easy to build back that trust? Yes and No...Yes, if you wish to...No, if you don't wish to...
If you go back in time and play the same story about how you wife was on Instagram and how she 'cheated' on you, there is no way that you can put your marriage back together.
How are you open-minded when an Instagram account causes you to fear what will happen? I can understand that you are a person with no past girlfriends but people do come with a past. Now, your wife could have shared her past with you, but most women seem to not want to for fear of reaction from the men like you have now. I can see that all this has hurt you, but if you want this marriage to work, you are going to have to drop all the past baggage, yours and your wife's and start afresh. Which means taking things for what it is NOW at face value without doubting it.
Can you do that? My suggestion would be: make an honest attempt at it. But warn yourself against going back in to the past otherwise there will be more mud throwing and no solution in sight.
Start new, Start afresh...

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

...Read more

Anu

Anu Krishna  |1413 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

Asked by Anonymous - Dec 25, 2024Hindi
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Relationship
Hi Anu, Im a returning NRI post 20 years having lived abroad. Wasnt sure if I would ever have come on this platform but yes I have . I have been involved with a girl in India for the past 6 years , we both are in our end 40's shes 47 and i will be turning 50 next year. On my bi annual visits we have been meeting, getting physical and share almost everything. There was nothing hidden between us, frank discussions about life, menopause, family issues, support for each other and a lot of love flowing, gifts exhanged both ways , always there for each other and so on. For the past 5 years she was out of a job but now has started working again since the past 7 months or so. Happy for her. I made a decision to take early retirement and head back home , a purely personal choice and spend more time with her. Its just that now when im back and expressed my desire to visit her , i feel shes a bit hesitant, we stay in different cities. I was pretty stunned when I initially planned to see her around the christmas week but she cited follow up prayers for a close family member who had passed away a couple of years back and her unavailabilty. Moreso the dates I had proposed she was unsure of committing time during that period and I let it pass. I was pleasantly surprised and also hurt that during those specific days , shes taking off for a short vacation citing she needs to recharge. Not sure what I should make out of this. Our conversations since my return have been short, messaging not that frequent but overall i feel the thrill that used to be there earlier is missing from her end. I cant understand -:), all was good till a month back. Simply put I dont wanna confront her, its her life after all but just need some advise : is this normal hormonal changes or do u feel its something more and I shud let go. Yeah I know its gonna be difficult for me but some closure I need.
Ans: Dear Anonymous,
Your partner/lady seems to be one of those who is happy with a virtual relationship and all the perks in it. It gets easy as there is no commitment within that relationship; at least that's how it reads to me from your post.
It's possible that in her mind she must have thought that the long distance thing works better. Now that you are back, it's possible that you might ask her that the two of you move things further as in a COMMITMENT.
So, maybe you must initiate a conversation with her and be very clear as to what you want from her and the relationship. And also listen patiently to what she has to say. She may not want to pursue a commitment and this is something that you must prepare yourself to hear!
Is this all stemming from a hormonal change? Well, it's strange because a month back things were all good; so where were these hormonal changes back then? So, no...Do have that honest conversation and see where it goes...

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

...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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