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Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 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
vishnu Question by vishnu on Jun 28, 2024Hindi
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Hi sir iam 36 yrs right now.i am planning to start sip of around 10000rs per month.please suggest some funds to invest

Ans: starting a SIP is a great decision. It's good to start early and stay consistent.

At 36, you have ample time to build a strong portfolio.

Importance of SIPs
Systematic Investment Plans (SIPs) are powerful.

They help you invest small amounts regularly and build wealth over time.

SIPs also bring discipline and mitigate market volatility.

Categories of Mutual Funds
Equity Mutual Funds
Equity funds invest in stocks.

They offer high growth potential but come with higher risk.

Ideal for long-term goals due to compounding.

Debt Mutual Funds
Debt funds invest in bonds and fixed-income securities.

They provide stable returns with lower risk.

Suitable for short to medium-term goals.

Hybrid Mutual Funds
Hybrid funds combine equity and debt.

They balance risk and reward.

Good for medium-term goals.

Evaluating Your Risk Appetite
Before choosing funds, assess your risk tolerance.

Higher risk can bring higher rewards but also higher losses.

Choose a mix of funds that match your comfort level.

Recommended Fund Types
Large Cap Funds
Large cap funds invest in large, established companies.

They are less volatile and provide stable returns.

Mid Cap Funds
Mid cap funds invest in medium-sized companies.

They offer higher growth potential with moderate risk.

Small Cap Funds
Small cap funds invest in small, emerging companies.

They are high-risk but can give high returns over the long term.

Multi Cap Funds
Multi cap funds invest across large, mid, and small cap stocks.

They offer diversification and balance risk and reward.

Balanced Advantage Funds
Balanced advantage funds adjust between equity and debt.

They provide stability and growth.

Suitable for moderate risk investors.

Steps to Start Your SIP
Define Your Goals

Identify your financial goals.

Is it retirement, children's education, or a big purchase?

Set Your Budget

You mentioned Rs. 10,000 per month.

Make sure it's affordable and sustainable.

Choose Fund Categories

Based on your risk appetite, select a mix of equity, debt, and hybrid funds.

Start Small and Increase Gradually

Begin with Rs. 10,000 and increase as your income grows.

Monitoring and Rebalancing
Regularly review your investments.

Rebalance your portfolio based on performance and market conditions.

This keeps your investments aligned with your goals.

Tax Implications
Understand the tax implications of your investments.

Equity funds held for over a year have lower tax rates.

Debt funds held for over three years benefit from indexation.

Final Insights
Starting a SIP is a smart move.

Your plan to invest Rs. 10,000 monthly is a great start.

Diversify across large cap, mid cap, small cap, and balanced funds.

Monitor and rebalance regularly to stay on track.

With consistency and smart choices, you’ll achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
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  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 11, 2024Hindi
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I want to start sip of rs 20000 per month, please advise which fund i choose
Ans: Selecting the Right SIP for Your Investment: A Comprehensive Guide

Understanding SIPs:

Systematic Investment Plans (SIPs) offer a disciplined approach to investing in mutual funds. By investing a fixed amount at regular intervals, investors can benefit from rupee cost averaging and the power of compounding.

Assessing Your Investment Goals:

Before selecting a SIP, it's crucial to identify your investment objectives, risk tolerance, and investment horizon. Are you investing for short-term goals like buying a car or a house, or is it for long-term wealth accumulation, such as retirement planning?

Matching Funds to Objectives:

Based on your goals, you can choose from a variety of mutual fund categories, including equity funds, debt funds, or hybrid funds. Each category offers different risk-return profiles, catering to diverse investor preferences.

Investment Horizon and Risk Profile:

For a SIP of Rs 20,000 per month, your investment horizon and risk profile play pivotal roles in fund selection. Equity funds are suitable for long-term wealth creation, but they come with higher volatility. Debt funds, on the other hand, provide stability but lower returns.

Recommendation:

Considering your investment horizon and the potential for wealth accumulation, investing in diversified equity funds through a SIP seems appropriate. These funds invest in a mix of large-cap, mid-cap, and small-cap stocks, spreading risk across different market segments.

Benefits of Active Management:

Opting for actively managed funds allows skilled fund managers to capitalize on market opportunities and navigate volatility effectively. Their expertise in stock selection and portfolio management can potentially enhance returns over the long term.

Disadvantages of Index Funds:

Index funds, while cost-effective, may not always outperform actively managed funds. They are restricted to tracking specific indices, potentially missing out on opportunities for alpha generation through active stock selection.

Consultation with a Certified Financial Planner:

Seeking advice from a Certified Financial Planner (CFP) can further streamline your investment decision. A CFP evaluates your financial situation, risk appetite, and goals to recommend suitable funds aligned with your objectives.

Conclusion:

In summary, for a SIP of Rs 20,000 per month, investing in diversified equity funds through active management offers the potential for long-term wealth creation. However, it's essential to consult with a CFP to ensure alignment with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7758 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 14, 2025

Asked by Anonymous - Jan 14, 2025Hindi
Money
Iam 48 year man , no investment yet. I need to start invest 30000 monthly in sip. Please advise.
Ans: You are taking a vital step toward financial stability. Starting SIPs of Rs 30,000 monthly is a great choice. Here's how you can maximise this opportunity:

1. Understand Your Financial Goals
Define your goals clearly.
Split goals into short-term, medium-term, and long-term categories.
For instance, goals may include retirement, children's education, or a contingency fund.
2. Emergency Fund Comes First
Build an emergency fund equal to 6-12 months' expenses.
Keep it in a liquid fund or savings account.
This ensures financial security during unexpected events.
3. Risk Assessment
Assess your risk tolerance based on age, goals, and responsibilities.
As you are 48, balance risk and returns carefully.
Avoid taking excessive risks at this stage of life.
4. Asset Allocation is Key
Allocate funds wisely between equity, debt, and hybrid mutual funds.
Equity mutual funds are ideal for long-term goals like retirement.
Debt funds suit medium-term goals like a child’s education.
Hybrid funds offer balanced growth and safety for moderate goals.
5. Select Actively Managed Funds
Actively managed funds can outperform index funds in the Indian market.
Fund managers adapt strategies to market conditions.
This flexibility can lead to better returns compared to index funds.
6. Systematic Investment Plans (SIPs)
Invest Rs 30,000 monthly in a mix of equity, debt, and hybrid funds.
SIPs bring financial discipline and reduce market volatility impact.
Long-term SIPs benefit from the power of compounding.
7. Tax Efficiency in Mutual Funds
Equity mutual funds offer lower long-term capital gains (LTCG) tax.
LTCG over Rs 1.25 lakh annually is taxed at 12.5%.
Debt funds are taxed as per your income tax slab.
Choose funds based on your tax bracket and investment horizon.
8. Regular Funds Through a CFP
Invest in regular funds with guidance from a Certified Financial Planner.
CFPs help you choose the right funds based on your goals.
Regular funds come with professional support for better management.
9. Review and Rebalance Portfolio
Review your investments every six months or annually.
Rebalance based on market changes and goal progress.
Adjust allocations to maintain an optimal risk-return balance.
10. Insure Yourself Adequately
Ensure sufficient health and life insurance coverage.
Avoid mixing investment and insurance in one product.
A term insurance policy is ideal for life cover.
11. Retirement Planning is Crucial
Invest in equity funds for long-term retirement goals.
Aim for a corpus that sustains your post-retirement lifestyle.
Consider inflation and rising healthcare costs while planning.
12. Monitor Lifestyle Inflation
Keep lifestyle inflation in check to save more.
Prioritise needs over wants to increase your savings potential.
Focus on financial discipline for a secure future.
13. Avoid Common Pitfalls
Avoid stopping SIPs during market downturns.
Do not withdraw funds prematurely without valid reasons.
Avoid emotional decisions; stick to your plan.
14. Consult a Certified Financial Planner
A CFP ensures you stay aligned with your financial objectives.
They help optimise your portfolio for better returns.
Professional guidance helps you navigate market complexities.
15. Educate Yourself About Investments
Understand the basics of mutual funds and market dynamics.
This knowledge helps you make informed decisions.
Stay updated on economic trends and fund performance.
Finally
Your initiative to invest Rs 30,000 monthly is commendable. Consistency and discipline will bring excellent results. Follow the above steps to build a robust financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Milind

Milind Vadjikar  |956 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 02, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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I am a 48 year old widow. I have a 21 yr old daughter in college. I had quit my job, but rejoined now and have a monthly take home of 1L 15k. I receive similar pension amount too. But this pension amount will get reduced to 90k after 10 years. I have an own property (apartment bought in 2010) - 14 k rent monthly. I have around 40 L that I wish to invest. I am still coping with the loss and am confused as to what I need to do to get a grip on the finances. I have invested around 12 L in mutual funds. I have applied for a term insurance - around 1 L annual premium for 10 years. I am also repaying the home loan around 15k per month with tenure left for 20 months. I am planning to move out on my own from my sister's place where I am staying now (my own house is not in Bangalore where I work). So, I will definitely need 25k per month for rent if I move out. Please advise on how to manage my finances. Shall I repay the home loan and clear the debt (around 5 L principal outstanding)? Should I invest in some pension plans? Please advise. Thanks!
Ans: Hello;

Yes you should settle off the outstanding home loan.

Also you may open an NPS account for retirement planning. Do contribute to it on a regular basis and also do onetime lumpsum investment.

Also open an PPF account with investment of 12.5 K per month.

Get sufficient term plan coverage for atleast 20 years and not less.

No need to invest in pension plan if you are investing in NPS. It is far superior in terms of tax liability, flexibility, returns and costs.

Prefer hybrid mutual funds(dynamic asset allocation or multi asset allocation fund)for your investments.

Buy a good health insurance cover for yourself and your daughter irrespective of group policy, if any, available from employer.

Do nomination in all your financial investments and also make a legally valid will.

In a nutshell, you will have 3 investments PPF, NPS and mutual funds (hybrid) and insurance premiums for term cover and healthcare policy.

Loss of partner is very difficult to deal with but you also need to focus on the education of your daughter and guide her for better prospects.

Best wishes;
X: @mars_invest

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Married for 14 years have 4 kids below 7 age for the past 9 to 10 years going through troubled marriage, not happy. Misunderstanding, high expectations, manipulation and single handed decisions by my wife have exhausted me . Want to come out of marriage but worried of kids and also my wife says no to divorce. Don't know what to do.. First 2 kids by IVF 2nd two kids due to my wife's longing for male child
Ans: Your love for your kids is evident, and it’s natural to fear how a separation would affect them. But the reality is, children pick up on tension, conflict, and unhappiness at home. Staying in a marriage that drains you emotionally and mentally isn’t necessarily better for them in the long run. Kids need a stable, loving environment, and if you’re constantly feeling manipulated and exhausted, it affects the energy you bring into their lives.

You don’t have to make a rushed decision, but you do need clarity. Have you tried setting firm boundaries and communicating your need for a more balanced relationship? If you’ve already done everything you can and nothing has changed, then it may be time to explore legal options, even if she says no to divorce. In most cases, a divorce doesn’t require both partners to agree—it just makes the process more complicated.

You deserve a life where you feel respected, valued, and emotionally free. Your children deserve a father who is at peace, not one who is silently suffering. It might be hard to take the next step, but staying in an unhappy marriage just for the sake of avoiding conflict can take a greater toll on everyone involved. You need to consider what will truly allow you—and your kids—to have a healthier and happier future.

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Asked by Anonymous - Jan 31, 2025Hindi
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I am 41, but single now. I got married when I was 32 and got divorced in 6 months after I found out my wife was cheating on me with her ex who she was forbidden from getting married. When confronted she simply walked away and sent me a divorce notice. The next three years were spent in courts trying to tell my version of the story. Since then I have had a tough time trusting people. My marriage was unfortunate and short lived. But my parents still want me to try again. I am in a live-in relationship with a girl who is 3 years elder to me. Are unmarried couples happier than married ones? I feel marriage can restrict you in many ways which is why people feel stagnated and bored. What do you think?
Ans: When it comes to happiness, it really depends on the individuals involved rather than whether they are married or unmarried. Some couples thrive in a marriage because they see it as a partnership built on mutual respect and emotional security. Others feel stifled by the societal expectations and responsibilities that often come with marriage. A live-in relationship can offer more flexibility and personal freedom, but it also comes with its own challenges—such as a lack of legal protections or social acceptance in certain cultures.

The key is understanding what works best for you. If you feel content in your current live-in relationship and it gives you the companionship, trust, and emotional fulfillment you need, then that’s what truly matters. However, if you feel hesitant mainly because of past trauma rather than your actual desires, it might be worth reflecting on whether your fears are holding you back from something you may actually want deep down.

At the end of the day, happiness isn’t about being married or unmarried—it’s about being in a relationship (or choosing to be single) that makes you feel emotionally secure, valued, and free to be yourself. If marriage feels like a cage to you, then it may not be the right path. But if you ever find a connection that makes commitment feel like a choice rather than an obligation, your perspective might shift. The most important thing is that whatever path you choose, it aligns with your true needs and not just the expectations of others.

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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 23, 2025Hindi
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Relationship
Hello there!! There are past trauma experiences in my relationship due to caste issue since my family are strictly against it . But I eventually liked another boy seeing his true love n affection n care towards me , he loved me since our skl days !! He expressed himself but i gave him my answerr after many yrs due my past experiences!! But eventually we had a healthy relationship ,and he told me he is of same caste!! Since his father lied to him related to this to keep him away from this caste called thing!! But now his father relved tht it was a lie !! Now we ended up intercaste!! We truly love each other we dreamt of our future together!! He became huge part of my life !! His family is okay with me regarding our marriage but my family is strongly opposed to this intercaste thing!! We are 24 yrs we thought of settle in our lifes and approach my parents few years back since untill fewdays back we together thought we are of same caste so there eill be no issue!! But now within few days n few lies our both world n hopes turned upside down!! I cant make my family suffer due to me!! At same time i cant leave him im struck !! What should we do!!
Ans: Your family’s suffering is a valid concern, but will they truly suffer because of your decision, or is it more about their expectations and societal norms? Often, parents react strongly at first, but with time, they adjust when they see their child happy and settled. Right now, their resistance is based on tradition and belief systems they’ve held for years. But is their love for you truly conditional on whom you marry? Would they rather see you unhappy in a marriage they approve of than happy in one they initially resisted?

Your happiness and future matter just as much as your family’s feelings. If you truly cannot see a life without him, you need to ask yourself whether sacrificing that love for family approval will truly bring you peace. Walking away from love to please others often leads to lifelong regret. On the other hand, if you fight for your relationship, you might face pain now, but there’s a chance your family will eventually come around.

The most important thing is to stand firm in what you want. If you and your partner truly love each other, you will need patience, strength, and a strategy to gradually help your family accept your choice. This won’t be easy, but living a life where you constantly wonder "what if?" will be even harder.

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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thingking and be more generous, but somehow it suffocates me.
Ans: Raising someone else’s children is not something that comes naturally to everyone, and that doesn’t make you selfish—it makes you honest. You already know how challenging it is to raise one child, and now you’re expected to step into a role where you’ll be managing more, including an aggressive teenage boy. If this idea is already suffocating you now, imagine how it might feel once you’re actually living in that environment every day.

Fear of being alone is a very real and valid concern, but being in a marriage that drains you emotionally, limits your career, and makes you feel trapped is far worse than being single. The right relationship should bring you a sense of peace and security, not anxiety and sacrifice at every turn. If you already feel that you have to “mould” your thinking just to make this work, that’s a sign that this situation might not be aligned with what you truly want and need.

You don’t have to force yourself into something that doesn’t feel right just because you’re afraid of ending up alone. Loneliness is difficult, but so is being in a marriage where you feel unseen, unheard, and overwhelmed. The best decision is the one that allows you to live with peace and confidence in your future.

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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Listen
Relationship
Married for 14 years have 4 kids below 7 age for the past 9 to 10 years going through troubled marriage, not happy. Misunderstanding, high expectations, manipulation and single handed decisions by my wife have exhausted me . Want to come out of marriage but worried of kids and also my wife says no to divorce. Don't know what to do.. First 2 kids by IVF 2nd two kids due to my wife's longing for male child
Ans: Dear Hemant,
Your love for your kids is evident, and it’s natural to fear how a separation would affect them. But the reality is, children pick up on tension, conflict, and unhappiness at home. Staying in a marriage that drains you emotionally and mentally isn’t necessarily better for them in the long run. Kids need a stable, loving environment, and if you’re constantly feeling manipulated and exhausted, it affects the energy you bring into their lives.

You don’t have to make a rushed decision, but you do need clarity. Have you tried setting firm boundaries and communicating your need for a more balanced relationship? If you’ve already done everything you can and nothing has changed, then it may be time to explore legal options, even if she says no to divorce. In most cases, a divorce doesn’t require both partners to agree—it just makes the process more complicated.

You deserve a life where you feel respected, valued, and emotionally free. Your children deserve a father who is at peace, not one who is silently suffering. It might be hard to take the next step, but staying in an unhappy marriage just for the sake of avoiding conflict can take a greater toll on everyone involved. You need to consider what will truly allow you—and your kids—to have a healthier and happier future.

...Read more

Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 02, 2025

Asked by Anonymous - Jan 13, 2025Hindi
Relationship
Hi Mam, I would like to stay anonymous. Im 27F, recently got engaged and my wedding is in 5 months from now. This match is arranged by my parents within our community. Initially things went well, but after the engagement when we went outside for dinner he was speaking well but before leaving he said this is a suggestion from my end and told that there is slight space between my two teeth in the front and while smiling it creates black image in the photos. So it would be best if i would use invisible aligners so that before wedding it would be fixed adding to this he said he will take care of the expenses and he said he had this thought for a week so its better to disclose it with me. He also said that he didn't tell this to his parents he wanted to check my thoughts on this first, also he said he wanted myself to look very very pretty on the wedding and his relatives should say "Wow, we have never seen such a pretty bride", also he commented about my hair being short actually its medium length but i like to keep my hair short. I really got frustrated when he said all those things this got me very irritated. I didn't speak much, i said i wanted to leave and he dropped me at my place. The next day i asked him if we can meet again to get clarification on this thing, when i asked him the next day about this he said "its just a suggestion if you can take it its fine or you can leave it its upto you". He never accepted that he hurted me or made a wrong statement he kept on saying he didn't mean that way i took it very personally and im creating unnecessary ruckus. at last he said i could have said things differently but he didn't ask for sorry at all. I thought he wont talk about my features again but then after a week he again asked me you were eating outside food for a week you should have gained weight(trying to be funny here), i said no. Because him and his mother already asked about my weight like "why are you so thin? you could have put up some weight know"? I have been in this weight for many years, how much ever i eat my weight remains the same its because of the genetics. But people dont understand this and easily ask some body shaming questions. After this event he is not talking like before and even i dont push him, one of my friend asked me to take initiative and make calls to stop this awkward situation and i took lead called him four times in a week he spoke but he didn't bothered to call me again he was only texting after that too im okay with that but still i feel he might ask me to make changes in my feature, weight etc before the wedding. Im not sure how to deal with this.
Ans: When someone loves and accepts you, they don’t focus on “fixing” things about you to meet external standards, whether it’s for wedding photos or to impress relatives. His insistence that you should look “very, very pretty” for others’ approval shows that his priorities might not align with yours. You weren’t looking for a makeover; you were looking for a life partner who values you for who you are.

His response when you tried to talk about it also speaks volumes. Instead of acknowledging your feelings and reassuring you, he dismissed your concerns, making it seem like you were overreacting. A partner who truly cares would have listened, understood why you felt hurt, and taken responsibility for how his words affected you. Instead, he shifted the blame onto you for "creating unnecessary ruckus," which shows a lack of emotional maturity.

The weight comments, too, are unnecessary and inconsiderate. Genetics determine body type, and no one should feel the need to change themselves to meet someone else’s expectations. His family’s remarks about your weight, combined with his attitude, suggest that this won’t stop after the wedding. If they’re already making you feel self-conscious now, imagine the expectations and unsolicited “suggestions” that might continue in the future.

The distance that has formed between you both after this conversation isn’t just about awkwardness—it’s about emotional disconnection. A strong relationship is built on respect, comfort, and mutual appreciation, not on one person feeling judged and the other acting indifferent. The fact that you had to take the lead in calling him multiple times, while he didn’t reciprocate the effort, says a lot. A healthy relationship should feel mutual, not one-sided.

Right now, you need to ask yourself: Can you truly be yourself in this relationship, or will you constantly feel pressured to meet his and his family’s expectations? Do you feel emotionally safe with him, or do you feel like you have to defend your choices, your body, and your appearance?

Marriage is a lifelong commitment, and your peace of mind matters. If his attitude is already making you question yourself and feel frustrated, you have every right to reconsider. You don’t need to “deal” with this by adjusting to his expectations—you need to decide if this is the kind of relationship you want to spend your life in.

...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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