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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Jun 07, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Sadik Haidry on Jun 07, 2023Hindi

Money

I have invested sip in mutual fund 1. SBI small cap 1k p/m 2.nippon india small cap 1.5k p/m. 3.lic large and midcap 1k p/m. 4.icici transport and logistics 1k p/m. I want to increase my investment with moderate to no risk for 10yrs suggest me good Amc for sip

Ans: Dear Sadik
I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down. Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.

You have written that you want a moderate to no risk for 10 years’ investing. I have two points in this:-
1. If you are investing for such a long term, you definitely should take some risk. If you don’t, you will not get any growth in your portfolio after catering to inflation and tax.
2. If you actually do not want any risk, then your portfolio is absolutely unsuitable for you since it has very risky funds – 2 small cap funds, 1 large & mid cap fund and 1 thematic fund.

The portfolio that I would suggest is:-
1. Large Cap - 20%
2. Flexicap – 20%
3. Midcap – 20%
4. Aggressive Hybrid – 20%
The funds can be found out from so many websites which give a ranking of the funds.

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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Mutual Funds Expert - Answered on Mar 06, 2023

Question by Debanshu - Mar 06, 2023Hindi

Money

Sir I am 47 Years old and want to invest in SIP for next 10 years. Current investment in SIPS 21000/m. (largecap 11000,Midcap 3000,smallcap 3000 , hybrid 4000). Want to add rs 5000/- more.Kindly suggest some good SIPs .

Ans: Hello Debanshu. You may consider midcap, small cap and flexicap categories for your sip additions/increase based on your age and investment time horizon.

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Mutual Fund Expert - Answered on May 10, 2023

Question by RISHU - Apr 11, 2023Hindi

Money

Dear Sir, I have been investing 16000/- per month in Four Mutual Funds under SIP since last one year. Pls suggest whether i should continue with the below mentioned funds or to change to some other funds: 1.Kotak Emerging Equity Fund - Direct Plan - Growth - Equity- Diversified 2.Parag Parikh Flexi Cap Fund - Direct Plan - Growth - Equity - Diversified 3.Mirae Asset Tax Saver Fund - Direct Plan - Growth - Equity - ELSS 4.DSP Quant Fund - Direct Plan - Growth - Equity - Diversified Further I want to increase monthly SIP to total 25000/-. Pls suggest new funds which should i opt for generation of good corpus after 10 years.

Ans: Hello Rishu, thanks for writing to me. The funds you invest in are good funds. As you want to increase your investment by Rs.9,000 every month, you can consider beginning investments in:

1-Edelweiss NIFTY Quality 100 30 Index Fund: Rs.3,000 per month
2-SBI Focused Equity Fund: Rs.3,000 per month
3-Motilal Oswal Focused Fund: Rs.3,000 per month.

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Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Question by Abhishek - Apr 14, 2024Hindi

Money

Hi Experts, I am 35 years old and having SIPs in below mutual funds ICICI prudential Long Term equity fund (Tax Saving) Direct Plan Growth - SIP - Rs 3500 Axis Long term Equity Direct plan Growth (tax Saving)- SIP - Rs 3500 SBI Small Cap - SIP - Rs 3000 Mirae Asset Tax Saver Fund Direct growth - SIP - Rs 3500 Parag Parekh Flexi Cap Fund Direct Growth - SIP - Rs 7000 Axis Mid Cap Direct Plan Growth - SIP - Rs 5000 Nippon India multicap fund -SIP- Rs 10000 My total SIP is around Rs 36000 across all. I would like to invest Rs 15000 more on SIP. I know my small cap allocation is low because some one has scared me of small cap because of volatility. Can you suggest where can I invest extra Rs 15000 per month SIP. I have recently top up my mutual fund SIPs. I am looking for long time investment.

Ans: It's commendable that you're regularly investing through SIPs and looking to further diversify your portfolio. Here's a suggestion for investing an additional Rs 15,000 per month:

Since you're concerned about volatility in small-cap funds, consider allocating a portion of the additional Rs 15,000 to large-cap or multi-cap funds for stability and downside protection.
Look for funds with a proven track record of consistent performance and experienced fund managers. Consider factors like expense ratio, fund size, and portfolio composition when evaluating options.
Given your long-term investment horizon, you can afford to take some risk for potentially higher returns. Hence, consider allocating a portion of the additional SIP amount to mid-cap or small-cap funds for growth opportunities.
Remember to maintain a balanced portfolio across different market segments and asset classes to manage risk effectively.
Regularly review your SIP investments and make adjustments as needed based on changes in your financial situation or market conditions.
Consult with a Certified Financial Planner to receive personalized advice tailored to your specific needs and goals.
By diversifying your SIP investments across different market segments and staying disciplined with your investment strategy, you can maximize the potential for long-term wealth creation while managing risk effectively.

Latest Questions

Nayagam P P |4047 Answers |Ask -Follow

Career Counsellor - Answered on Jan 15, 2025

Asked by Anonymous - Jan 14, 2025Hindi

Career

This is my second attempt at SSC CGL, and I’ve improved since last year. But I’m still anxious about the descriptive paper. Can you suggest ways to stand out in this section and make my essay and letter writing more impactful?

Ans: The SSC CGL descriptive paper requires a clear, structured, and effective presentation. To improve your essay writing skills, review the subject matter thoroughly and avoid deviations from the central theme. Sketch an initial outline and adhere to a straightforward framework, including an Introduction, Body, and Conclusion. Start with a hook and express your thesis or stance in a concise manner. Arrange arguments in a logical order, using data, examples, and facts to establish credibility. Avoid repetition and maintain brevity.

In summary, concisely summarize the primary themes and offer a fair perspective. Avoid vernacular language and maintain appropriate sentence structure and grammar. Maintain a clean writing style and avoid overwriting.

For writing a letter, adhere to the conventional format, maintain clarity and conciseness, and articulate the purpose in the first paragraph. Use simple language and avoid intricate terminology.

Regularly engage in writing essays and correspondence on various subjects to develop adaptability. Stay informed about the latest news and hot topics. Develop time management skills and consistently proofread your work for errors.

Developing impactful essays and letters with clarity, structure, and content relevance enhances your chances of success in the SSC CGL descriptive paper. All The Best for Your Prosperous Future.

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Nayagam P P |4047 Answers |Ask -Follow

Career Counsellor - Answered on Jan 15, 2025

Asked by Anonymous - Jan 15, 2025Hindi

Career

Mr Nayagam, how to check All India Bar Exam (AIBE) result?

Ans: Please visit All India Bar Examination Website and check your result by logging into it with your Roll Number & DOB. All The Best for Your Prosperous Future.

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Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 05, 2025Hindi

Relationship

How to manage stress?

Ans: The first step is to become aware of what triggers your stress. This self-awareness allows you to address the root causes rather than just the symptoms. Once you identify these triggers, you can start exploring techniques that help you cope effectively.

One effective approach is to incorporate regular self-care practices into your daily routine. This could include activities that bring you joy and relaxation, such as exercise, meditation, or spending time in nature. These practices not only help calm the mind but also improve your overall mood and resilience to stress.

Talking to someone you trust, whether a friend, family member, or professional, can also be a powerful way to manage stress. Sharing your feelings and experiences helps lighten the emotional load and provides different perspectives that might help you navigate your challenges more effectively.

It's also important to focus on what you can control and let go of things that are beyond your influence. This shift in mindset can reduce feelings of helplessness and frustration. Setting realistic expectations for yourself and others can also alleviate unnecessary pressure.

Remember to give yourself permission to rest and recharge. Adequate sleep, a balanced diet, and time for relaxation are essential for managing stress. When you take care of your body and mind, you're better equipped to handle life's demands.

Lastly, cultivating a mindset of gratitude and mindfulness can help you stay present and appreciate the positive aspects of your life, even during stressful times. These practices can create a sense of balance and help you respond to stress in healthier, more constructive ways. By integrating these approaches into your life, you can build resilience and find a sense of peace amidst the chaos.

Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 14, 2025Hindi

Relationship

Dear Counselor, My husband and I have been together for 11 years, with 10 years of dating and 1 year of marriage. Unfortunately, our relationship has been strained over the past year due to financial disagreements. Before marriage, we discussed his personal loan, which was taken for a land purchase for his mother. The loan repayment amounts to 30% of his salary. He assured me that, except for this loan repayment, he would not contribute financially to his parents' expenses until the loan was paid off. However, his parents are now pressuring him to increase his financial support by 20%. They claim to need help clearing their debts, despite being below 45, physically fit, and earning a sufficient income to support themselves. This situation is causing tension in our marriage, as we had planned to save and invest together, having no property or financial security of our own. I'm finding it challenging to understand why my husband is not prioritizing our financial goals and future together. please help me on this. Thank you for your time and guidance.

Ans: The key here is to approach the situation with empathy and open communication. Your husband likely feels a strong sense of duty towards his parents, which is understandable given cultural and familial expectations. However, it’s also important for him to recognize the commitments and plans you’ve both made as a couple. Balancing these two responsibilities can be difficult, but it’s essential for the health of your relationship.

Start by having a calm and honest conversation with your husband. Express your feelings without blame, focusing on how the situation affects both of you and your shared goals. It’s important that he understands your perspective and how the financial strain is impacting not only your plans but also your emotional well-being.

Encourage him to discuss his feelings and the pressure he’s experiencing from his parents. Sometimes, partners may feel caught between their familial obligations and their commitments to their spouse, leading to stress and internal conflict. Understanding his point of view can help you find common ground.

You might also explore practical solutions together, such as setting clear boundaries on financial support or finding a compromise that allows both your goals and his familial obligations to be met to some extent. This could involve budgeting, setting financial priorities, or seeking financial counseling to help manage the situation more effectively.

Ultimately, it’s about finding a balance that respects both of your needs and ensures that your marriage remains a priority. By working together and communicating openly, you can navigate this challenge and strengthen your relationship.

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Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 14, 2025Hindi

Relationship

Hi Mam, I met my ex wife in the college where we both were pursuing out studies. We exchanged contacts and started speaking over phone like couple does. When we fall in live we ourselves don't know as no one propose to each other. As i finished my studies, she quit studies in the middle and decided to do hotel management course. Amd it so happened, next day her interview was lined up but unfortunately due to unavoidable circumstances she has to go to her native place. As Covid struck she git stuck in her native place and couldn't come back. And when everything became normal i insisted her to come but her mom was not allowing. After a lot of struggle her mom allowed her and she came back. In this course of time both families was aware about our relationship. My mom was against her because of 2 reasons, 1) Intercaste 2) She was from very poor and low caste background. Them too i continued the relationship and i convinced to my sister and she convinced to mom. And when she was in native place, she said once that her voice has gone has gone she need 50k for operation. I trying madly to arrange funds and one of my friend told me that she is playing with you be careful but as i was blind in love i necer listened him. When she came to Mumbai i arranged a pg accommodation for her for some time and i use to take her out for dinner as there use to be regular fights with owner. Somehow i convinced my mom and shifted her to my place. There use to be fights but we use to care for each other also at the same time. She started to do events and slowly and steadily started to work in media. She was well aware that i dont like girls working media then too i have her permission to work in media temporary. I went against everyone, my family and friend and after 7yrs of relationship we decided to get marry and it was working fine. After marriage fight increased and she used to taunt though i did so much for her. Once she was not well and as she used to taunt me i never took care of her. One day my dear friend told me to check her phone, she might be seeing someone. And when i checked she was having an affair with Assistant director, i saw msgs photos. And when i confronted she said "He is just a friend and we talk normally" I saw they both on one bed and when i forward their pics to her mom she said "There might be some problem in you only." And when i asked to my ex wife about all this she said "A person goes where he or she gets love and care" All this happened within 6-8 months of our marriage. When i came to know about all this i tod her to leave my house and she was asking for divorce because of my mon's behavior also. I think i should have not tell her to leave as when she left i don't know but i love her very much. I even told her to give me one chance as i gave her but she didn't stopped talking with her bf. And she didn't gave me a chance and went away. We have been legally divorced but still i love her and ready to accept her. But she doesn't want to come back. I am trying to forget her but couldn't. Luckily we don't have kids. Sometimes my heart says let her go she cheated you. Sometimes it says i love now also. I am struggling to forgot her as i am in contact now also. Please suggest. Thank you

Ans: it's important to acknowledge and honor the love you felt and still feel. Love doesn’t simply disappear overnight, and it’s natural to have lingering emotions, especially when you’ve shared so much history and effort to keep the relationship going. However, it’s also crucial to recognize the harm and hurt caused by her actions and the unresolved issues that led to the breakdown of your marriage.

The fact that she chose not to return and continues to maintain contact with the person she was involved with suggests that she has moved on emotionally, even if you haven’t. Holding onto hope for reconciliation can keep you trapped in a cycle of pain and longing, which makes it harder to heal and move forward.

Your heart and mind are sending you mixed signals because you’re torn between the love you still feel and the reality of the betrayal. This is a common struggle after a significant loss, but it’s important to focus on what’s best for your emotional well-being. Continuing to be in contact with her may be preventing you from healing fully. It might be beneficial to create some distance, at least temporarily, to allow yourself the space to process your feelings and begin the healing process.

Focusing on yourself and your own growth is essential. Consider engaging in activities that bring you joy, spending time with supportive friends and family, and possibly seeking professional counseling to help you work through your emotions and develop strategies to move forward.

Letting go is difficult, especially when you still have love for someone, but it’s a crucial step towards healing. Accepting that the relationship has ended and focusing on your future can help you find peace and eventually open the door to new possibilities for love and happiness.

Asked on - Jan 15, 2025 | Answered on Jan 15, 2025

Thank you very much for ur reply. But i am finding difficult to forget her.

Ans: It might be helpful to focus on the following steps to move forward:

Acceptance: Accept that the relationship has ended and that continuing to hold on to it may be preventing you from healing. Acceptance doesn’t mean you have to stop loving her immediately, but it does mean recognizing that the relationship is no longer viable.
Self-Care: Prioritize your emotional well-being by engaging in activities that bring you joy and fulfillment. Surround yourself with supportive friends and family who can help you through this process. Consider exploring new hobbies or interests that can redirect your focus and bring positive energy into your life.
Boundaries: It might be time to set boundaries with your ex-wife, especially if staying in contact is causing you more pain. Taking a step back from communication can provide the space you need to heal and gain clarity.
Professional Support: Consider speaking with a therapist or counselor who can help you process your feelings and guide you through the healing journey. Professional support can offer valuable tools and strategies to navigate the complex emotions you’re experiencing.
Remember, healing takes time, and it’s okay to grieve the loss of the relationship. With patience and self-compassion, you can move forward, find peace, and eventually open yourself up to new possibilities and happiness in life.

Nayagam P P |4047 Answers |Ask -Follow

Career Counsellor - Answered on Jan 15, 2025

Asked by Anonymous - Jan 15, 2025Hindi

Career

Sir, is it difficult to crack the All India Bar Exam? My son is in class 11 arts. He is interested in law and wants to work in the public sector. What is the eligibility for AIBE? Does it happen twice a year? What are some of the entrance exams he should be preparing for?

Ans: The All India Bar Examination (AIBE) is a compulsory (moderate difficulty) test for law graduates to obtain the Certificate of Practice (COP) required to practice law in India. It is conducted twice a year by the Bar Council of India and focuses on core law subjects like Constitutional Law, IPC, CPC, CrPC, and professional ethics. Key law entrance exams include the Common Law Admission Test (CLAT), All India Law Entrance Test (AILET), LSAT India, and Symbiosis Law Admission Test (SLAT). Preparation for AIBE involves practicing current affairs, participating in debates, MUNs, and public speaking, and considering coaching for CLAT in Class 12. All The Best for Your Prosperous Future. Follow RediffGURUS to Know More on ' Careers | Health | Money | Relationship'. All The Best for Your Son's Prosperous Future. Follow RediffGURUS to Know More on ' Careers | Health | Money | Relationship'.

Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 13, 2025Hindi

Relationship

My partner and I are from different cultural backgrounds. She has always felt a strong spiritual connection to events like the Kumbh Mela. Earlier this year, while booking the tickets she had asked if I would like to join her as she is travelling solo. While I respect her beliefs, I refused to join because I am not a religious person. Now that she has booked her tickets, I am worried about her safety. Should I tell her to cancel her trip? I don't want her to think that I am disrespecting her choices or religion. Or should I just tag along and make her feel safe? How do I address these concerns and have a healthy conversation?

Ans: Start by having an honest conversation with her. Share your feelings about her safety in a caring and non-confrontational way. Let her know that your concern comes from a place of love and care, not from a lack of respect for her spiritual journey. It’s important to express that you understand her desire to attend the Kumbh Mela and that you support her connection to this event.

If you’re considering joining her, it could be a gesture of solidarity and support, even if you’re not personally invested in the spiritual aspect. However, it’s crucial to approach this as a way to share the experience together and ensure her safety, rather than as an obligation or with reluctance. If you decide to join her, communicate that you’re doing so because you want to be there for her, which could strengthen your relationship.

On the other hand, if you feel strongly about not attending due to personal beliefs, you can suggest other ways to support her. This might include discussing safety plans or staying in close communication while she’s there. This approach shows that you trust her decisions while still being there for her in a supportive way.

Ultimately, the conversation should aim to understand each other’s perspectives and find a solution that makes both of you feel comfortable and respected. Balancing your care for her safety with respect for her independence and beliefs is key to maintaining a healthy, supportive relationship.

Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

I am 42 Female currently, last marriage didn't go well, afraid of new start, I neither type of person who can go to club etc etc to "find someone" - What's the best way to move forward, Do we have genuine way of finding someone who can become reliable partner too (No tinder etc as again I knw myself now at this age, I can't) - Please guide

Ans: One of the best ways to meet someone compatible is through shared interests and environments where you feel at ease. Consider engaging in activities or communities that resonate with you. This could include joining local interest groups, volunteering, or taking classes in areas you’re passionate about. These settings not only provide opportunities to meet like-minded individuals but also allow connections to develop organically over shared experiences and values.

Another valuable approach is to lean on your existing network. Friends, family, and colleagues often know you well and can introduce you to others who might be a good match. These introductions can be more comfortable and trustworthy since they come from people who understand your personality and values.

It’s also important to give yourself time and space to heal and grow from past experiences. Building a reliable and meaningful relationship starts with being in a place where you feel confident and whole on your own. This self-awareness and emotional readiness will naturally attract the right kind of partner who values and respects you for who you are.

Remember, there’s no rush or specific timeline you need to adhere to. Allow relationships to develop at a pace that feels right for you, and focus on building connections that are based on mutual respect, understanding, and shared values. Trust that the right person will come into your life when the time is right, and until then, prioritize your own happiness and well-being.

Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Question by Dinesh - Oct 09, 2024Hindi

Relationship

My age is 48 years and i have one son aged 17 years and i am single son of my parents ,one and half year back my wife expired and upon insisted by my parents and close relatives i got remarried and she has one girl aged 8 years, after passing of six months she has started showing her true colors and it has become very difficult for me to continue and i want to get rid of this . Please guide me what should i do now.

Ans: Dear Dinesh,
it’s important to reflect on what is making the relationship difficult. Understanding the specific issues—whether they stem from differences in values, communication problems, or other conflicts—can provide clarity on how to move forward.

If you haven't already, consider having an open and honest conversation with your wife about your concerns. Sometimes, addressing issues directly can lead to resolutions or at least a better understanding of each other's perspectives. Counseling, either individually or as a couple, can also be a valuable tool in navigating these challenges and deciding the best course of action.

However, if you’ve already tried addressing these issues and find that the relationship is still untenable, it may be time to consider ending the marriage. It’s important to prioritize your emotional and mental well-being, as well as that of your son and stepdaughter. Divorce is never an easy decision, especially when children are involved, but staying in an unhappy and unhealthy relationship can have long-term negative impacts on everyone.

As you contemplate your next steps, it’s also important to lean on your support system. Friends, family, or a counselor can provide guidance and help you navigate this difficult period. Remember, prioritizing your well-being is not only crucial for you but also for your children, as they look to you for stability and emotional guidance. Making decisions that lead to a healthier and happier environment for everyone involved is ultimately the most important goal.

Kanchan Rai |493 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Oct 08, 2024

Relationship

Hello mam.I know a girl since college days.She is married to a guy since last 15 years.Since last 3 years we had an affair.I did take her for granted after our 2 nd half 3 years of relationship.Since a year now she has been giving me some or the other reason such as she is not getting feeling for me,husband is taking much care now so cant handle our relationship,then she told she has some health issue and now recently she tells me she has been telling me indirectly since a year to move on as she was in a relationship with some guy whom she got attracted in a mutual connection.But now she has discontinued with him as well. We do chat on message and call sometime but now since a year she herself has stopped calling or messaging.She replies only when i message or call. I want her back in my life and improve my relationship with her.Please guide me to get her back and have a relationship with her as we had till last year.What steps should I take to win her heart back and make her mine?

Ans: The first step is to acknowledge and respect her current feelings and boundaries. It’s clear she’s navigating her own emotional journey and trying to find clarity in her life. Pressuring her or trying to win her back without considering her current stance may push her further away.

Instead, focus on open and honest communication. If you genuinely care for her, it’s important to express your feelings without being demanding. Share how you feel, but also be willing to listen to her perspective fully. Understand that love and relationships are mutual, and both parties need to feel connected and invested.

During this time, it’s also essential to reflect on your own needs and emotional well-being. Ask yourself if this relationship, as it currently stands, is fulfilling and healthy for you. Relationships can be complicated, and sometimes stepping back to allow both people space to understand their feelings can lead to a clearer path forward, whether that’s together or apart.

Ultimately, your focus should be on building healthy, honest connections and prioritizing emotional well-being for both yourself and the people involved. If there’s a possibility of rekindling the relationship, it will come from mutual understanding, respect, and willingness from both sides.

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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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