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Samraat

Samraat Jadhav  |2601 Answers  |Ask -

Stock Market Expert - Answered on Jan 21, 2026

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more
Asked by Anonymous - Jan 19, 2026Hindi
Money

i invested 18L own money and 6 Lakhs from MTF borrowing in Oct'22 to Oct'23 periods, now 24 Lakhs become 14 Lakhs, 10 Lakhs down, Alklyamine 98 @ 3300, relaxo 135@1083, PVRINOX 87@1865, tatainvest 250@1120,vstindustries 484@429,suntv 160@836,concor 250@860,clean 19@2060,bajajauto 14@11935,AWL 357@432,ATGL 20@1030,ADANIGREEN 20@1975,ADANIENT39@3390,ADANENSOL50@1324,ACC52@2600,COCHINSHIP10@2650,DATAPATTERN 10@3186,GRSE19@2975,MAZDOCK10 @3500,HONDAPOWER 10@4000,TATAELXSI17@7320,VBL30@660,BHARATFORG20@1740. GUILTY TO OVERRIDE WIFE SUGGESTION TO BUY JEWELS FOR DAUGHTER'S 3 YEARS AGO WHEN PF AMOUNT WITHDRAWN 13L, NOW THIS ALSO LOSS AND JEWEL ALSO 2.5 TIMES HIGHER THAN THAT TIME. WRONG DECISION. PLS CORRECT & SUGGEST. AGE 51

Ans: I would suggest you approach a SEBI Registered Investment Adviser nearby you and discuss the full story with your financial details and he/she would be the right person to guide you after analyzing all your requirements. You can find your nearest adviser from this link of SEBI - https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13
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  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2025

Asked by Anonymous - Jul 11, 2025Hindi
Money
Hello Sir/Mam. I am 45, I lost my job this month. I have home loan of 57L with 34k as emi, 2 more loans taken to buy sites. One with 1.5k emi and other with 6.5k emi Principle amount left for these 2 sites is 7L together Monthly expense of 25-30k. School related expense of my daughter studying in 6th grade nearly 1.3L per year. I have PF of 14L, MF currently worth 13.7L (ICICI small cap direct fund worth 4.13 L, ICICI Flexicap direct fund worth 3.49L, Nippon India small cap direct fund worth 2.52L Nippon India Multi asset allocation fund worth 2.46L Nippon India large cap direct fund worth 1L, ) All sip stopped at this moment. PF current 14L Expecting Gratuity of 5.77L Invested 48L in my friends business for which I get 45K every month 10 L in FD 6 residential sites worth 1.5 cr and all fully 4 of them fully paid while other 2 have loan of 7L left as mentioned above. Could you please suggest any changes in my investment?
Ans: Your current situation is sensitive and needs careful financial restructuring.

You’ve shown resilience and discipline in building multiple assets. That is truly commendable. Let’s look at your finances from all angles and identify necessary improvements.

? Immediate Financial Assessment

– You’ve recently lost your job. So liquidity and cash flow are critical.
– You have Rs. 14L in PF and Rs. 10L in FD. These are your main emergency reserves.
– Monthly expenses are around Rs. 30K. Add Rs. 11K EMIs. Total outflow is Rs. 41K per month.
– You receive Rs. 45K/month from the business investment. This is currently sustaining your needs.
– However, this business income is not guaranteed or regulated. It may stop anytime.

? Review of Loans and Liabilities

– Home loan of Rs. 57L with Rs. 34K EMI is a big liability.
– Two site loans with Rs. 7L principal left and Rs. 8K total EMI.
– Total monthly loan burden is Rs. 42K. This is high without a regular salary.
– Try to negotiate for longer tenure to reduce EMI or explore moratorium options for 3–6 months.
– If the home loan interest is above 9%, evaluate refinancing to reduce EMI burden.
– Keep housing loan active if interest is low and tax benefit applies in future income.
– For site loans, if they don’t generate income, consider full repayment if surplus funds allow.

? Investment in Friend’s Business

– You’ve invested Rs. 48L in your friend’s business. Getting Rs. 45K monthly is helpful.
– There is no legal protection here. This is highly risky and illiquid.
– Check if this arrangement is documented. Ask for periodic business performance updates.
– Don’t increase this investment further. Avoid rolling over funds if they ask in future.
– If possible, recover partial investment in the next 6–12 months.

? Mutual Fund Portfolio Review

You have Rs. 13.7L in mutual funds. All are Direct Plans and some are small-cap.

– Direct plans may look low cost, but carry hidden issues.
– You don’t get hand-holding or behavioural support from a Certified Financial Planner.
– If market falls, panic selling happens due to lack of advice.
– Shifting to Regular Plans through a CFP or MFD helps in strategic guidance.
– Direct plans don’t help in structured goal-based investments.

Also, your fund mix is too aggressive:

– Small-cap funds are very volatile. You have over Rs. 6.5L here. That’s almost 48%.
– No pure debt or hybrid funds for stability.
– Market correction can wipe out value quickly.
– Stop investing further in small caps for now.
– Exit partially from small caps over next few months when market gives decent upside.
– Shift gradually to balanced advantage or multi-asset funds through a regular route.

? Fixed Deposits and Emergency Reserves

– You have Rs. 10L in fixed deposits. This is your safe cushion.
– Keep Rs. 6L untouched as emergency reserve.
– Use remaining Rs. 4L wisely for next 6–12 months if job doesn’t materialise.
– Don’t exhaust FDs to repay loans fully unless interest is very high.
– Also, avoid investing this in risky assets or friend’s business.

? Real Estate Assets – Sites and Property

– You own 6 sites worth Rs. 1.5 Cr. 4 are loan-free.
– These are wealth builders but do not generate income now.
– Maintenance and property taxes may drain liquidity.
– Sell one small site if you face prolonged income issues.
– Prioritise long-term family security over emotional attachment to land.
– Avoid real estate as new investments for now.

? Child’s Education Expense Planning

– School expenses are Rs. 1.3L per year, or around Rs. 11K monthly.
– It is being covered from current business income. That’s fine for now.
– But higher education will need Rs. 20–30L in next 6–10 years.
– Start a goal-based SIP once income resumes. Use regular plans via MFD with CFP.
– Choose hybrid and multi-asset funds. Avoid small-cap for this goal.
– Don’t touch PF for this purpose. Let it grow for your retirement.

? PF and Gratuity Utilisation

– PF of Rs. 14L and gratuity of Rs. 5.77L are solid buffers.
– Use gratuity to partly close one of the site loans if interest is high.
– Leave PF untouched if possible. Let it stay until retirement.
– Only in extreme emergencies, consider partial withdrawal.

? Income Planning Until New Job

– Rs. 45K/month from business is your primary income now.
– Total monthly need is Rs. 40–42K. You are barely covered.
– Avoid impulsive spending or any high-ticket purchases.
– If income from business stops, use FD or sell mutual fund units gradually.
– Try for a part-time role, freelancing or consulting if possible.
– Register on professional job portals and update your resume regularly.
– Don’t make drastic investment decisions out of fear. Take each step carefully.

? Insurance Assessment

You haven’t mentioned any term or medical insurance.

– If no term plan exists, buy one after you secure your next income.
– If you already have one, don’t discontinue it even now.
– Health insurance is must. Ensure at least Rs. 10L coverage for you and your daughter.
– Don’t depend on employer insurance in future roles. Keep personal policy active.
– Avoid endowment or ULIP type policies. They are low-return and inflexible.
– If any such policy exists, consider surrender and invest in mutual funds via regular route.

? SIP Strategy Going Forward

– You’ve stopped SIPs. That’s appropriate for now.
– Once job resumes, restart with Rs. 5K–10K per month.
– Use hybrid or multi-asset funds to begin with.
– Avoid direct plans. Regular plans help in goal tracking and behaviour control.
– Don’t rush into market timing or high-return chasing.
– Build your SIP based on goals, time horizon, and risk tolerance.

? Taxation Implications

– On selling equity funds, LTCG above Rs. 1.25L will be taxed at 12.5%.
– STCG will be taxed at 20%.
– Debt fund redemptions are taxed as per your slab.
– Plan redemptions wisely. Spread them across years to avoid high tax impact.
– Capital gains exemption not available on mutual fund proceeds used for loan closure.

? Risk Prioritisation and Behavioural Mindset

– Do not rely emotionally on business income or land appreciation.
– Focus on cash flow, not just assets.
– Income source is more important than asset value during job loss.
– Don’t mix emotions with money.
– Take help from a Certified Financial Planner to stay accountable and disciplined.
– Avoid greed-based decisions. Prioritise family safety and stability.

? Asset Allocation Restructuring Suggestions

– Target 30% in equity (through mutual funds – regular route).
– 40% in safe debt (FD + debt mutual funds).
– 30% in real estate (only 2–3 properties, not more).
– Avoid overexposure to land, business and direct equity.
– Diversify across asset classes. Liquidity should guide your choices.

? Finally

– Your financial foundation is decent, but currently strained due to income loss.
– Prioritise liquidity and income protection now.
– Cut expenses slightly where possible.
– Keep family goals protected, especially education and health.
– Don’t chase returns in this phase. Stability is more valuable.
– Get professional guidance to restructure your portfolio.
– Don’t take any emotional decisions under stress.
– Once income resumes, rebuild slowly with discipline and diversification.

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

..Read more

T S Khurana

T S Khurana   |572 Answers  |Ask -

Tax Expert - Answered on Jan 27, 2026

Money
i invested 18L own money and 6 Lakhs from MTF borrowing in Oct'22 to Oct'23 periods, now 24 Lakhs become 14 Lakhs, 10 Lakhs down, Alklyamine 98 @ 3300, relaxo 135@1083, PVRINOX 87@1865, tatainvest 250@1120,vstindustries 484@429,suntv 160@836,concor 250@860,clean 19@2060,bajajauto 14@11935,AWL 357@432,ATGL 20@1030,ADANIGREEN 20@1975,ADANIENT39@3390,ADANENSOL50@1324,ACC52@2600,COCHINSHIP10@2650,DATAPATTERN 10@3186,GRSE19@2975,MAZDOCK10 @3500,HONDAPOWER 10@4000,TATAELXSI17@7320,VBL30@660,BHARATFORG20@1740. GUILTY TO OVERRIDE WIFE SUGGESTION TO BUY JEWELS FOR DAUGHTER'S 3 YEARS AGO WHEN PF AMOUNT WITHDRAWN 13L, NOW THIS ALSO LOSS AND JEWEL ALSO 2.5 TIMES HIGHER THAN THAT TIME. WRONG DECISION. PLS CORRECT & SUGGEST. AGE 51
Ans: 01. What I can suggest is that an individual who is not expert with Equity Market should avoid over exposure to investments in this segment. In cases like this, I would suggest to make your investments in MUTUAL FUNDS instead. You may consider shifting from Equity to Mutual Funds, in phased manner.
Investment in precious metals (Gold & Silver) is very attractive today. It may continue to be so till International environment/conditions are uncertain or unpredictable. Present indication does not support stable International economies, so I feel strongly, that precious metals may keep an upward trend. But shifting all your funds to this segment is again not advisable. Keep your investment portfolio diversified, keeping some percentage of your investments in easily liquid conditions.
Real Estate is also another good option, but small funds cannot be parked in this segment.
Most Welcome for further clarifications, if any. Thanks.

..Read more

Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 27, 2026

Money
I am retired Govt. Official of 61yr.Get 41K as monthly Pension. 30Lks Deposited in SCSS. 80 lks in SBI MF. 7 Lks in Mod balance 1 lakh in fixed deposit. 5Lks in savings normal available balance. CGHS AVAILED. The 80lk invested in MF is Lumpsum in last Oct when I was an absolute novice regarding financial management. But the onset of middle east war situation on 28th Feb compelled me to make changes in my portfolio. 5lks Midcap fund was passing through a loss of 54K. 5lkhs Multi Asset Allocation fund was in profit mode of 40K. But 70Lks Equity Hybrid Fund was started declining to 68 lks. Even though as an educated man with qualification MA, B.ED and LL. B exposure to different field in society except running after money. Never in my life from childhood I think of money. I am rather a spiritual and not a person of marialistic of nature. My inquisitiveness to know about MF Started because that's my hard earn money. I listened to many experts from you tube and read two books purchased online The psychology of money and The Warren Buffett way and went in between lines of the book. 1998 is the inception of my exposure to internet world. War started on 28th Feb and I switched to Multi Asset Allocation fund knowing well my loss in lower NAV status and Exit load from Equity hybrid rg. Grwth. FD to Multi Asset Allocation FD. NOW two funds in my port.. Equity Hybrid and Multi Asset Allocation FD. EH fund 39.55lks and Multi Asset Allocation 39.58lks. None has guided me to execute the fund allocation like this. Ultimately I lost 87K but fortunately escaped the mental agony during that period of market crash. Now, my question is how shall I handle this money 79.13Lks on completion of one year in near future. Secondly in ITR 2, how shall I show my loss of 87 K. Secondly on completion of one year, should I change in my portfolio status by any means. Since I am running in loss though I realize the unpredictability of Stock market which may fetch good return also. I have gone through your pragmatic approach to life and replies to others, I appreciate and thankful to your analysis in different cases which prompted me to seek your valuable guidance keeping in view of my aforesaid delineation. Thankning you.
Ans: It is wonderful to see the amount of effort you have put into understanding investments after retirement. Many people invest without learning. You have taken time to read, observe and understand. More importantly, you recognised your own emotional comfort level during market volatility. That self-awareness is a big strength.

» Your Financial Position Looks Comfortable

– Monthly pension of Rs.41,000 provides a steady income.

– Rs.30 lakh in SCSS provides additional regular cash flow.

– CGHS coverage reduces a major retirement risk.

– You have emergency funds in savings and fixed deposits.

– Mutual fund corpus of around Rs.79 lakh adds growth potential.

– Overall, you are not dependent solely on mutual funds for day-to-day living.

This gives you the ability to invest with patience rather than anxiety.

» About The Switch You Made

– The switch was driven by your comfort level during market uncertainty.

– From a financial perspective, exiting during a decline resulted in a realised loss.

– However, investing is not only about returns.

– Peace of mind also has value.

– If the switch helped you sleep peacefully and reduced stress, it was not entirely a wrong decision.

– A retirement portfolio must suit the investor's temperament, not just theoretical returns.

» How To Show The Loss In ITR

– The loss arising from redemption of mutual fund units can generally be reported under Capital Gains in ITR-2.

– Your capital gain statement from the AMC or broker will provide the exact figures.

– The loss can be adjusted against eligible capital gains as per tax rules.

– If it remains unadjusted, it may be carried forward subject to filing the return within the prescribed timelines.

– Before filing, verify the capital gain statement carefully.

– A Chartered Accountant can help ensure proper reporting.

» Should You Change The Portfolio After One Year?

– I would not take a decision merely because one year has been completed.

– The decision should depend on your retirement needs, risk tolerance and long-term objectives.

– At age 61, preserving wealth becomes as important as growing wealth.

– At the same time, keeping everything in fixed-income products may not beat inflation over the next 20-25 years.

– Therefore, some exposure to growth-oriented assets is still necessary.

» A More Balanced Retirement Approach

– Keep emergency money and near-term expenses in safe instruments.

– Keep a portion in income-generating products.

– Keep a portion in diversified growth-oriented mutual funds for long-term inflation protection.

– Avoid making major portfolio changes based on geopolitical events or short-term market movements.

– Markets have recovered from wars, pandemics, recessions and many global crises over decades.

– Retirement investing should be guided by goals, not headlines.

» A Lesson From Your Experience

– The most valuable thing you learnt was not about mutual funds.

– It was about your own risk tolerance.

– You discovered that sharp market falls make you uncomfortable.

– This insight is far more useful than any market forecast.

– Future investments should be aligned with this comfort level.

– A portfolio that allows you to remain invested calmly is better than an aggressive portfolio that creates anxiety.

» Finally

– Your overall retirement position appears reasonably strong.

– The loss of Rs.87,000 should be viewed as a learning cost rather than a permanent setback.

– Avoid frequent switching based on market news.

– Review your portfolio based on your income needs, inflation protection and emotional comfort.

– Since you already have pension income, SCSS income and medical support through CGHS, your mutual fund corpus can be managed with a balanced long-term approach rather than reacting to short-term events.

– Going forward, discipline and patience will probably contribute more to your wealth than trying to predict the next market move.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

..Read more

Latest Questions
Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Jul 09, 2026
Career
I have taken a 12th-grade drop year, and this year I have to take admission. But my parents are not supporting me. Last year also, because of all these issues, my admission got delayed, and this year again, no one in my family is taking it seriously. They don't allow me to meet anyone or even go outside the house. They don't even let me go to the terrace. They keep saying, "Whatever you want to achieve, do it from home. People who really want to succeed can do it from anywhere." I don't have any problem studying from home. In fact, after my drop year, I started preparing for CA, and everything was going well initially. But after a few months, my mother started taking away my phone. She wouldn't let me talk to anyone, go outside, or even step onto the terrace. Along with that, there was a lot of mental and emotional abuse. My mother uses extremely abusive and degrading language toward me, and it has become very difficult for me to handle. Because of the constant verbal abuse and emotional stress, I often can't concentrate on my studies. Whenever I study peacefully for two days, the same traumatic cycle starts all over again the next day. This only happens to me in my family. I am the only daughter after my two elder brothers. I can't even share these things with anyone because none of my friends have to go through anything like this. Sometimes, if I simply go to the terrace, my mother starts shouting at me and uses extremely abusive language. Even if I use my phone only for studying, I am not allowed to keep it. I can't even talk to someone to refresh my mind or reduce stress, and I'm not allowed to meet my friends or go outside either. Sometimes, it becomes so overwhelming that I feel like I don't want to live in this house anymore. I feel trapped, emotionally exhausted, and completely isolated. All I want is a peaceful environment where I can study, focus on my future, and live with basic freedom and dignity.
Ans: Hi!!

I want you to understand that your desire to study, build a career and have some basic freedom is absolutely justified. You are not asking for too much. You are asking for an environment where you can concentrate on your studies, take decisions about your future and live with dignity.

From what you have shared, I feel your problem is not your ability to study or your willingness to work hard. You have already proved that you can prepare for CA and stay focused when things are going well. The real concern here is the environment in which you are expected to study.

You really need to understand that a peaceful mind is essential for effective learning. When you are constantly exposed to shouting, abusive language and emotional stress, it becomes difficult to concentrate, regardless of how determined you are to succeed. So please don't blame yourself for struggling with your studies. You are trying to focus on your future while simultaneously dealing with a very distressing situation at home.
Having said that, I would like you to think about something important. Your education and your future cannot remain on hold because of the circumstances you are facing today. You have already lost valuable time because of delays in admission, and I don't want you to lose another year waiting for things to improve on their own.
You need support, and you need to take practical steps towards securing your future.
First, identify a trusted adult who can understand your situation and help you. It could be a relative, a teacher, a former school counsellor or another responsible person you feel comfortable approaching. Please don't assume that nobody will understand you simply because your friends may not be experiencing the same difficulties. You don't have to deal with this alone.

Second, make your admission a priority. Find out the courses available to you, the eligibility requirements, the deadlines and the documents you need. If you cannot manage the process independently, seek help from a trusted adult who can guide you. You need a concrete plan rather than being caught in the same cycle of conflict and uncertainty.

Third, please understand that respecting your parents does not mean accepting abusive behaviour as something you deserve. You can love your family and still recognise that certain words and behaviours are hurting you. You don't have to fight or argue with your mother to prove your point. When things become heated, try to avoid escalating the situation and prioritise your emotional and physical safety.

And finally, please don't isolate yourself emotionally. You need someone with whom you can talk openly, someone who can listen without judging you. If the situation at home continues to feel unbearable, a counsellor or a trusted adult outside the family can help you work through it and explore safe options.

Remember, this difficult phase of your life does not define your future. You have ambitions, you want to study, and you want to become independent. Hold on to those goals, but don't feel that you have to achieve everything through sheer willpower while dealing with this distress alone.

Your future matters. Your mental well-being matters. And you deserve to live with dignity.

I would like to ask you two important questions -
* First, are you physically safe at home, or has the abuse ever become physical?
*Second, is there any trusted relative, teacher or other adult who could help you with your admission process?
I am asking because I want you to have advice that is practical for your situation, not just words of encouragement

Tc ! Best wishes always..

...Read more

Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I studied in an English-medium school, but during school and college most of my friends and even teachers were more comfortable speaking Hindi, so that became my natural communication language. Now after many years, I work in an office where English is used much more regularly. I can understand English and I can write basic things, but when I have to speak suddenly, I sometimes struggle to find the right words. Even for a simple question to a colleague, I first rehearse the sentence in my mind two or three times before saying it. If someone suddenly asks me something in English, I sometimes fumble even though I know what I want to say. I also depend quite a lot on ChatGPT to help me frame emails, messages and sometimes even replies because I worry about making grammar mistakes or sounding less professional. Recently, a new girl joined our office who speaks very confidently in English and seems more comfortable talking to people who are also very fluent or part of what feels like an ‘elite’ group. She does speak with us, but not as much, and sometimes I become more conscious about my own English when I see how naturally she communicates. I know everyone has a different communication style, but this has made me wonder whether my lack of fluency is affecting how people perceive me at work. How can I improve my spoken English and workplace communication so that I can speak spontaneously and confidently without mentally preparing every sentence first?
Ans: Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you measure yourself. She may be more comfortable speaking English, but that does not make her more intelligent, more capable or a better professional than you. Everyone has a different background, different experiences and a different starting point.
Stop comparing, start practising and, most importantly, stop underestimating yourself.
You have already identified what you need to improve, and that is the first step towards change. Now, give yourself the opportunity to work on it without being overly critical of yourself.
Remember, the objective is not to impress people with your English. It is to express yourself with confidence, clarity and conviction.
When you stop trying to speak perfect English and start focusing on communicating effectively, you will gradually find your voice!

...Read more

Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I recently received feedback at work that I should be more assertive. The strange part is that I don’t consider myself shy - I speak when I have something to say and I’m quite comfortable with my colleagues. But the problem comes when I have a different opinion from someone senior. For example, last week during a team meeting, my manager suggested doing something in a particular way. I could clearly see one issue with the approach and had a different suggestion in mind, but when it was my turn to speak, I said something like, ‘Yes, that should be okay, maybe we can try it,’ instead of clearly explaining what I actually felt. Later, I discussed the same point with a colleague and realised I had actually been right about the concern, but by then the decision was already made. This happens with me quite often - I don’t want to sound argumentative or disrespectful, so I automatically soften my words and sometimes end up agreeing even when I genuinely have another opinion. How can I become more assertive in these situations, speak confidently to senior people and put forward a different viewpoint without coming across as rude, aggressive or overconfident?
Ans: Hi!!

*Being assertive does not mean being aggressive or disrespectful* It means expressing your thoughts and feelings confidently and respectfully!

If you hesitate to disagree, consider whether you fear judgment, offending the person, or challenging their authority! Identifying the cause can help you address it. Respecting someone’s position does not require agreeing with every opinion; your perspective may reveal something they have overlooked.

When you have a concern, pause, organise your thoughts, and state them clearly. For example: *“I understand your approach\. However, I have a concern we may want to consider before proceeding.”” You can be polite without being apologetic and respectful without being submissive.

Practise expressing your views in smaller situations. It may feel uncomfortable at first, but confidence will grow with experience.Trust your judgement and speak up when your input matters. You can disagree with someone without disrespecting them—that is true assertiveness!

Remember assertiveness is about respecting yourself and the other person equally! Understanding that you have as much right to express your opinion as the other person .

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m facing a small but recurring issue with my wife when it comes to money. I’m naturally more of a saving person—I like keeping some money aside for future expenses, emergencies, children’s needs and other things that may come up unexpectedly. My wife, on the other hand, feels that if we can comfortably afford something now, there is no point in always postponing it just to save more. It’s not that either of us is irresponsible with money, and thankfully we don’t have any major financial problems, but this difference in our thinking keeps coming up every few weeks. Sometimes it starts with something as simple as buying something for the house or planning a holiday and then turns into a discussion about our overall spending habits. I don’t want her to feel that I’m controlling how she spends her money, and at the same time, I don’t want to feel guilty for wanting to save. How can couples with very different financial habits find a middle ground and decide together how much to spend, save and keep aside for the future without making money become a regular source of tension in the marriage?
Ans: Hello sir. I hope you are in good health. Coming to your question, financial management remains a little sensitive topic specially when both members are earning.
You both have different habits and different thinking in terms of financial management and I think both are correct. The only thing with which the things can be sorted out is that you both sit and discuss and mutually come to a specific percentage of income which should be saved and which should be kept aside for holidays or for home fund. This way you both will clearly know and then you will not have problem in spending or saving.
I hope this solves your problem.
All the best..take care !!

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m a little confused about how I should handle situations involving my husband and his parents. Whenever they have an argument or disagreement, I usually prefer to stay quiet because I feel that if I get involved, the situation could become even more complicated. I don’t want his parents to feel that I’m trying to create a distance between them, and I also don’t want to say something in the heat of the moment that I may regret later. But after the argument is over, my husband sometimes tells me that he expected me to support him because I’m his wife. From my point of view, supporting him doesn’t necessarily mean agreeing with him or taking his side every time, especially when I don’t know the complete context of their disagreement. At the same time, I can understand why he may feel hurt if he thinks I’m simply standing by and watching when he needs me. How should to handle these situations when disagreements with in-laws keep creating tension in the marriage? Is there a healthy way for a spouse to show support without automatically taking sides or disrespecting the other family members?
Ans: Hello mam. I hope you are in good health.
Well, coming to your question, you can definitely take your partner's side by understanding the things on which the disagreements happen. For example you disagree with your partner at a specific point of time, in public you should try to calm the situation and take his side if possible but after that in private you can share your opinion and correct him if he is wrong somewhere. This way he ll feel that yes you support him but on the other hand he ll also realize that where he went wrong. Probably the situations will get better with this.
I really appreciate your nature that you don't want to disrespect other family members. Its very good and shows your upbringing and your intent of maintaining relationships.
Keep it up...take care !!

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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2026

Money
Hi ..I have registered a app called finsolalgo They told I got allocation for ipo which I kept 1 lac prev but they asked I need to pay 6lac ...which I couldn't pay...now they blocked my one lac saying as I didn't pay full allocation my amount blocked for 3 months but am not getting fater 3 months who will release my funds and all am feeling bad to believe them...now wat should I do ...finsolalgo is this company registered with sebi when I asked they told s we registered we have ruled and regulations ...that's y blocked like that ..wat should I do now
Ans: It is good that you have stopped and are checking this before paying another Rs.6 lakh.

Based on what you have described, I would be very cautious. The process you were told about does not look like the normal IPO application process.

» How a genuine IPO application normally works

In a normal IPO, the application money is blocked in your own bank account through ASBA or an approved UPI mandate.

If shares are allotted, the required amount is debited.

The remaining blocked amount is released after the allotment process. SEBI describes this process clearly.

A company or app normally cannot simply say:

– You paid Rs.1 lakh.

– You received an allocation of Rs.7 lakh.

– You must arrange another Rs.6 lakh.

– Otherwise your original Rs.1 lakh will remain blocked for 3 months.

That is a major point requiring verification.

» About the Rs.1 lakh being blocked

First check where exactly the Rs.1 lakh is blocked.

If it is genuinely blocked in your own bank account under an IPO ASBA/UPI mandate, contact your bank immediately and ask:

– Who has placed the mandate?

– What is the IPO name?

– Who is the sponsor bank?

– What is the application number?

– What is the registrar's name?

– What is the UPI mandate reference?

Do not depend only on what the FinsolAlgo app or its representatives are telling you.

If the money was actually transferred to a bank account controlled by the app/company/person, the situation is more serious. Do not send the additional Rs.6 lakh merely to release the earlier Rs.1 lakh.

» Is FinsolAlgo SEBI registered?

I checked the SEBI recognised-intermediary information available currently.

I could not verify a SEBI registration under the name "FinsolAlgo" from the information available to me.

This does not by itself prove that the entity is fraudulent. The legal entity name may be different from the app or trade name.

So ask them for:

– Exact legal company name.

– SEBI registration number.

– Category of SEBI registration.

– Registered office address.

– Name of the stock broker/intermediary handling the IPO application.

Then independently verify these details on SEBI's recognised intermediary records. SEBI maintains a searchable list of registered intermediaries.

Do not accept a statement such as "we are SEBI registered and we have our own rules" as proof.

» What you should do now

I would suggest these steps in this order:

– Do NOT pay the additional Rs.6 lakh.

– Do NOT pay any "release fee", "penalty", "tax", "processing charge" or similar amount.

– Do NOT share your OTP, UPI PIN, bank password or other banking credentials.

– Take screenshots of the entire conversation with FinsolAlgo.

– Save the payment receipt for the Rs.1 lakh.

– Save the IPO allocation message and all documents they provided.

– Contact your bank directly through its official customer-care channel.

– Ask the bank whether there is actually an IPO-related ASBA/UPI block on your Rs.1 lakh.

– If the bank confirms that no genuine IPO mandate exists, immediately inform the bank that you suspect an unauthorised or potentially fraudulent transaction.

– If money has already gone to another bank account, inform your bank immediately and ask about the appropriate fraud-reporting process.

» Do not wait for three months

I would not simply wait for three months based on their verbal assurance.

If this is a genuine IPO, there should be proper documentation and an identifiable IPO process.

There should also be a recognised intermediary, sponsor bank, registrar and application details.

The normal IPO process does not depend merely on an app telling you that your money will be released after three months. SEBI's own explanation says that funds are blocked for the IPO process and are subsequently debited or unblocked based on allotment.

» My assessment

The requirement to arrange another Rs.6 lakh after supposedly getting a Rs.7 lakh allocation is the biggest concern here.

Please do not try to recover the Rs.1 lakh by paying another Rs.6 lakh.

That can increase your exposure substantially.

Your immediate priority should be to establish where the Rs.1 lakh actually sits and whether there is a genuine IPO mandate.

If you share the exact message received from FinsolAlgo about the Rs.7 lakh allocation and the Rs.6 lakh payment, I can examine the wording and tell you which parts look normal and which parts are red flags.

Best Regards,

K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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Dr Nagarajan J S K

Dr Nagarajan J S K   |3317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Oct 08, 2026

Career
I am a student and NEET aspirant. I appeared for Class 10 in 2024 and passed Class 10 in 2024. I completed and passed Class 12 in 2026. I also appeared for NEET (UG) 2026, including the re-examination, but unfortunately I could not qualify for admission. My Class 12 marks are relatively low, although I have successfully passed Class 12 in 2026. Therefore, I am considering appearing for the Class 12 Improvement Examination in 2027 to improve my marks. I would like to kindly ask for clarification regarding the following: Since I have already passed Class 12 in 2026, am I eligible to appear for the Class 12 Improvement Examination in 2027? If I improve my Class 12 marks in 2027, will I remain eligible to appear for NEET (UG) 2027? Will appearing for the Class 12 Improvement Examination in 2027 create any issue during NEET counselling or MBBS admission if I qualify NEET 2027? Will my one-year gap after Class 12 (2026–2027), due to preparing for NEET, cause any problem in NEET eligibility or during MBBS admission? If improvement is permitted, which Class 12 marks/marksheet would be considered for NEET 2027 eligibility and admission?
Ans: HI ALAM,
GREETINGS FROM THE REDIFFGURUS!
The Advantages of NEET:

* NO UPPER AGE LIMIT
* UNLIMITED ATTEMPTS for HSC
* UNLIMITED ATTEMPTS FOR NEET
* A MINIMUM AGGREGATE PERCENTAGE OF 50% (varying by category) IS SUFFICIENT TO QUALIFY FOR NEET (except for AIIMS)
* ASPIRANTS CAN PRESENT DIFFERENT BOARD EXAM MARK SHEETS.

Due to these factors, the number of NEET aspirants is higher compared to other exams.

If you have the required marks to appear for NEET, you can proceed with your preparation. As you mentioned that your HSC marks are low (specifics not disclosed), focus on strengthening your weak subjects to help you achieve your goal. Simply aiming for improvement is not enough; you need to make significant progress.

You are planning to take the improvement exam for your marks. While preparing for this, it is essential to enhance your understanding of the subjects that are also relevant for NEET. There is a possibility that you might achieve the same level of marks you previously obtained in HSC if you do not make substantial improvements. Therefore, concentrate on honing the subjects necessary for NEET as well.

BEST WISHES.

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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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