Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 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
jatin Question by jatin on Apr 20, 2024Hindi
Listen
Money

I have invested in sips from last 5 years but I invested through a brooker and he invested and managed my portfolio in regular mutula funds. I have invested like 8 lakhs and got a market values of like 14 lakhs on that investment, but now I want to convert my regular funds into direct funds. I am confused if i should do that or not. As i have got good returns due to covid 19 dip and ukraine war.

Ans: It's great to hear that your investments have seen significant growth over the past five years, especially during challenging times like the COVID-19 pandemic and geopolitical tensions. Your disciplined approach to investing has certainly paid off.
Considering converting your regular mutual funds to direct funds is a smart move. Direct funds typically have lower expense ratios compared to regular funds, which can translate to higher returns over the long term. As a Certified Financial Planner, I understand your desire to optimize your investment returns and reduce costs where possible.
However, before making the switch, it's essential to weigh the pros and cons carefully:
Benefits of Direct Funds:
• Lower Expense Ratios: Direct funds typically have lower expense ratios compared to regular funds since they do not involve distributor commissions. This means more of your investment stays invested, potentially leading to higher returns over time.
• Control and Transparency: With direct funds, you have direct access to the fund house, allowing for greater control and transparency over your investments. You can monitor your portfolio closely and make informed decisions based on your financial goals and risk tolerance.
Disadvantages of Direct Funds:
• Self-Management Required: Investing in direct funds requires a certain level of financial literacy and time commitment. You'll need to research and select funds yourself, monitor performance, and make adjustments as needed.
• Lack of Advice: Direct funds do not come with the guidance and support of a financial advisor or distributor. While this may reduce costs, it also means you're solely responsible for managing your investments.
Benefits of Regular Funds through MFD with CFP Credential:
• Professional Guidance: Investing through a Certified Financial Planner who acts as a Mutual Fund Distributor (MFD) provides you with professional guidance and personalized advice tailored to your financial goals and risk tolerance.
• Convenience: Your CFP can handle the paperwork, monitor your portfolio, and provide ongoing support, freeing up your time and energy for other priorities.
• Access to Research and Insights: Your CFP has access to research and market insights, helping you make informed investment decisions and navigate market fluctuations effectively.
Disadvantages of Direct Funds:
• Higher Expense Ratios: Regular funds typically have higher expense ratios compared to direct funds due to distributor commissions. While this may eat into your returns slightly, it's essential to weigh this against the value of professional advice and support.
Ultimately, the decision to switch to direct funds or continue with regular funds through a Certified Financial Planner depends on your comfort level with self-management, financial literacy, and the value you place on professional guidance. As your CFP, I'm here to provide you with personalized advice and support to help you make the best decision for your financial future. Feel free to reach out if you have any further questions or need assistance.
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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Listen
Money
Hi mam, I have invested in sips from last 5 years but I invested through a brooker and he invested and managed my portfolio in regular mutula funds. I have invested like 8 lakhs and got a market values of like 14 lakhs on that investment, but now I want to convert my regular funds into direct funds. I am confused if i should do that or not. As i have got good returns due to covid 19 dip and ukraine war.
Ans: It's great to hear that your investments have performed well over the past five years, especially during turbulent times like the COVID-19 pandemic and the Ukraine war. Converting your regular funds into direct funds can offer several advantages, but it's essential to weigh the pros and cons before making a decision.
Advantages of Direct Funds:
1. Lower Expense Ratio: Direct funds typically have lower expense ratios compared to regular funds since they do not involve distributor commissions. Over time, lower expenses can translate into higher returns for investors.
2. Higher Returns: With lower expenses, direct funds have the potential to generate higher returns over the long term, leading to increased wealth accumulation.
3. Control and Transparency: Investing in direct funds gives you greater control over your investments and allows for better transparency regarding fund performance and NAVs.
Considerations Before Converting:
1. Exit Load: Check if there are any exit loads associated with your current investments in regular funds. Exiting prematurely may result in additional costs.
2. Tax Implications: Evaluate the tax implications of switching from regular to direct funds. Depending on your investment horizon and gains, there may be capital gains tax implications.
3. Investment Expertise: Assess your comfort level and expertise in managing your investments directly. Direct funds require investors to conduct their research and make informed decisions.
! Let's discuss the advantages of sticking with regular funds, especially when investing through a professional Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential.
Benefits of Regular Funds through an MFD with CFP Credential:
1. Expert Guidance: A professional MFD with a CFP credential offers personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They provide valuable insights and recommendations to optimize your investment portfolio.
2. Holistic Financial Planning: MFDs with CFP credentials offer holistic financial planning services beyond just mutual fund investments. They assess your entire financial situation, including income, expenses, liabilities, and goals, to develop a comprehensive financial plan.
3. Risk Management: Professional MFDs employ risk management strategies to mitigate market volatility and minimize losses. They conduct thorough research and due diligence to select suitable funds that align with your risk profile and investment objectives.
4. Regular Monitoring and Review: MFDs continuously monitor your investments and review their performance to ensure they remain aligned with your financial goals. They provide timely updates and recommendations based on changing market conditions and economic outlook.
5. Convenience and Support: MFDs offer convenience by handling all administrative tasks related to your investments, such as documentation, transactions, and account management. They also provide ongoing support and guidance to address any queries or concerns you may have.
Disadvantages of Direct Funds:
1. Lack of Professional Advice: Direct funds require investors to make investment decisions independently without the guidance of a professional advisor. This can be challenging for individuals who lack the expertise or time to conduct thorough research and analysis.
2. Higher Risk of Errors: Investing directly in funds without professional guidance increases the risk of making errors such as selecting inappropriate funds, timing the market incorrectly, or failing to rebalance the portfolio regularly.
3. Limited Access to Resources: Direct investors may have limited access to research tools, market insights, and investment resources compared to those available through professional MFDs. This can hinder their ability to make informed investment decisions.
Conclusion:
Investing in regular funds through a professional MFD with a CFP credential offers numerous benefits, including expert guidance, holistic financial planning, risk management, and ongoing support. By leveraging the expertise of a qualified advisor, you can optimize your investment portfolio and achieve your financial goals more effectively.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Listen
Money
Hi sir, I have invested in sips from last 5 years but I invested through a brooker and he invested and managed my portfolio in regular mutula funds. I have invested like 8 lakhs and got a market values of like 14 lakhs on that investment, but now I want to convert my regular funds into direct funds. I am confused if i should do that or not. As i have got good returns due to covid 19 dip and ukraine war.
Ans: It's wonderful to hear that you've seen growth in your investments over the past five years, especially during the challenging times we've faced due to the pandemic and geopolitical events. The returns you've garnered are a testament to the potential of the market and the right timing.

Transitioning from regular mutual funds to direct funds is a decision that many investors grapple with. While regular funds often come with commission fees that are paid to brokers or advisors, direct funds don't have these additional costs. Over time, these fees can eat into your returns, affecting your overall gains.

However, the decision to switch shouldn't be based solely on costs. It's crucial to evaluate the value your broker brings to your investment journey. Do they offer personalized advice, timely updates, or help navigate market volatility? If yes, perhaps it's worth continuing with them despite the higher costs.

But if you feel confident in managing your investments or seek to maximize returns by reducing costs, transitioning to direct funds could be a prudent move. Remember, every investor's journey is unique, and what matters most is aligning your investment strategy with your financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

Listen
Money
I have ~40L in my portfolio and all my MF`s are Regular funds since I have been investing thru ICICIDirect. Now I want to start investing into Direct funds since I realize that Direct funds have lower Expense ratio. So I want to invest thru MFcentral or Zeroda. Now, my quesiton is: Is it a good idea to cancel my existing MF`s (not redeeming) in ICICIDirect and start new direct SIP`s ? Will I be loosing compounding effect of my existing regular MF`s? I dont want to redeem the SIP`s since it will incurr large LTCG taxes
Ans: It may seem tempting to switch to Direct Funds for the lower expense ratio, but there are key factors to consider before making the switch.

Here are a few points in favor of continuing with Regular Funds through a Certified Financial Planner (CFP) or a professional Mutual Fund Distributor (MFD):

Value of Professional Advice
A professional MFD or CFP adds value by offering timely advice, portfolio reviews, and strategic changes based on market conditions and your financial goals. They help you stay focused on long-term plans and avoid emotional decisions.

Platforms like MF Central or Zerodha do not offer personalized advice. You’re left managing the complexities of your portfolio alone, which can be overwhelming and risky, especially during volatile markets.

Disadvantages of Direct Platforms
MF Central and Zerodha are DIY (Do-It-Yourself) platforms. While the lower expense ratio seems appealing, managing the portfolio on your own requires time, expertise, and market insight. Any wrong move could cost you more than you save in expense ratio.

MF Central is not user-friendly and does not offer real-time support for managing SIPs, rebalancing, or tracking your overall portfolio’s health.

Zerodha is a trading platform, but it doesn’t come with personalized advice. It lacks the long-term relationship benefits that an MFD or CFP provides, including goal-based planning and tax-efficient strategies.

Compounding Effect & Tax Implications
Cancelling your existing SIPs and switching to direct funds will not directly affect the compounding of your current investments. However, starting new SIPs in Direct Plans could lead to a disjointed investment strategy. You may also lose out on expert guidance that helps optimize the compounding effect through proper fund selection and market timing.

Switching to direct funds might seem cost-effective in the short run but could result in higher LTCG (Long Term Capital Gains) taxes if you later decide to rebalance your portfolio on your own without professional help.

Avoid Disruption
Switching platforms might disrupt your current portfolio management process like consolidated reports and capital gains tracking, which helps during tax filings. On DIY platforms, you will have to manage all of this yourself.

If you are not satisfied with ICICIDirect's services, you can always switch to another professional MFD or Certified Financial Planner (CFP). A good MFD will still provide the benefits of seamless portfolio management, including consolidated reports, capital gains tracking, and regular reviews, which are critical during tax filings and for keeping your investments aligned with your goals.

Final Thought
Instead of switching to direct plans, continue with Regular Plans through a professional MFD or CFP. The personalized advice you receive will often outweigh the slight difference in expense ratio. Regular reviews, goal setting, and rebalancing help ensure your portfolio remains aligned with your long-term objectives.

Making hasty decisions based on expense ratio alone can lead to missed opportunities and higher risks in the long run.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ravi

Ravi Mittal  |403 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
Money
Iam under debt of Rs 10lac and my salary is 23k per month. How to come out from debt and i need to get debt free. So, please guide me.
Ans: Being in debt can be overwhelming, especially on a limited monthly income. But with disciplined planning and commitment, you can gradually achieve financial freedom. Here’s a detailed guide to help you pay off your Rs 10 lakh debt and build a stable financial foundation.

Step 1: Calculate Your Monthly Expenses and Set a Budget
Start by understanding your cash flow. Track every expense to get a clear picture of your spending.

Essential Expenses: These include rent, food, utilities, and any other basic needs.

Discretionary Expenses: Cut back on non-essentials like dining out, entertainment, and shopping.

Savings and Debt Repayment: Dedicate any amount left after essential expenses towards debt repayment.

Tip: Keep a written budget or use a mobile app to monitor your expenses. Reducing discretionary spending will help increase the amount available for debt repayment.

Step 2: Increase Income if Possible
Boosting income, even slightly, can significantly accelerate debt repayment. Here are some ideas:

Freelance or Part-Time Work: If possible, look for freelance work in areas you’re skilled in, like writing, tutoring, graphic design, or programming.

Overtime or Extra Shifts: If your employer offers overtime, consider taking it on to increase your income.

Sell Unwanted Items: Sell items you no longer need, such as electronics, clothes, or furniture, to generate additional cash.

Increasing your income, even temporarily, can help you pay off your debt faster.

Step 3: Create a Debt Repayment Plan
List all your debts, including outstanding amounts, interest rates, and due dates. Here are two strategies for paying them off:

Snowball Method: Pay off smaller debts first to gain momentum, then tackle larger ones. This provides psychological motivation by clearing debts faster.

Avalanche Method: Focus on debts with the highest interest rates first. This method saves more on interest in the long term.

Choose the strategy that suits you best and start making extra payments each month.

Step 4: Prioritize High-Interest Loans and EMI Payments
Debt with higher interest can escalate quickly, so prioritize clearing them first. Some common examples include:

Credit Card Debt: If part of your debt is on credit cards, try to pay it down as quickly as possible. Credit card interest rates are often the highest.

Personal Loans: If your Rs 10 lakh debt includes high-interest loans, prioritize these over lower-interest obligations.

Contact your creditors to explore if they can reduce your interest rate temporarily. Any reduction helps ease the debt burden.

Step 5: Consider Debt Consolidation Options
Debt consolidation combines multiple loans into a single, lower-interest loan, making it easier to manage. Options include:

Personal Loans: Look for a lower-interest personal loan to pay off existing debts. This can reduce the overall interest burden.

Balance Transfer: If a major portion of your debt is on a credit card, look for a card offering a low or zero-interest balance transfer option.

Be cautious of fees associated with consolidation options and make sure to do thorough research. Consolidation can simplify payments and potentially save you money on interest.

Step 6: Start a Small Emergency Fund
While repaying debt is crucial, having a small emergency fund (around Rs 5,000–Rs 10,000) can help you avoid additional debt. This fund is for unexpected expenses like medical emergencies or car repairs.

Building a small emergency cushion ensures you don’t rely on credit if unplanned expenses arise. Once your debt is cleared, you can gradually build a larger emergency fund.

Step 7: Avoid Taking on New Debt
Avoid credit cards, loans, or any new debt until you’ve repaid the current amount. New debt will delay your goal of becoming debt-free.

Instead of borrowing, prioritize saving for any purchases. Practicing patience with spending decisions will help prevent additional debt.

Step 8: Automate and Regularize Payments
Set up automated payments for your debt EMIs and monthly bills. Automation helps prevent missed payments, which can incur penalties and hurt your credit score.

If automated payments aren’t possible, set reminders to ensure timely payments.

Step 9: Track Progress and Stay Motivated
Track your progress each month and celebrate small wins, such as reaching specific milestones in debt reduction.

Seeing your debt balance decrease, even gradually, can keep you motivated.

Step 10: Seek Professional Guidance If Needed
If you feel overwhelmed, consider seeking guidance from a Certified Financial Planner (CFP). They can help you devise a structured plan tailored to your specific financial situation.

A CFP can also provide personalized advice on managing and reducing debt efficiently.

Finally
Your determination to achieve a debt-free life is commendable. By following these steps and staying disciplined, you’ll gradually pay off your debt and move toward financial freedom. Remember, small steps today will lead to a financially secure tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 2024

Listen
Money
Dear sir/Ma'am, I want to invest long term mutual fund for my daughter marriage. She is now 15 years old and i want to invest for 10 years, please advised me which mutual fund best for me. My monthly investment amount is Rs. 5000.00/- please reply soon as soon possible.
Ans: Investing for your daughter's marriage is a thoughtful goal. With 10 years to grow your investment, mutual funds offer a practical approach to help achieve this objective. A disciplined investment of Rs 5000 per month can build a substantial corpus over time. Here’s a comprehensive guide to structuring this investment for long-term success.

Choosing the Right Type of Mutual Funds
For a 10-year horizon, equity mutual funds are suitable. They have the potential for higher returns over time. Considering a diversified mix of equity categories could balance growth with stability.

Equity-Oriented Funds: With their higher growth potential, equity funds can be ideal for long-term goals like marriage. Large-cap funds or diversified equity funds with a mix of large- and mid-cap investments can provide relative stability.

Balanced or Hybrid Funds: These funds allocate a portion to both equity and debt. This approach reduces risk while still capturing growth. Hybrid funds could be a good option to add stability.

Avoid Index Funds: While index funds are popular, they lack flexibility in managing market changes. Actively managed funds, however, allow fund managers to navigate market fluctuations, potentially offering higher returns.

Benefits of Regular Funds vs. Direct Funds
When considering direct funds, you miss out on expert guidance, which is vital for long-term investments. Regular funds through a Certified Financial Planner (CFP) ensure you get continuous support, fund reviews, and performance tracking. They help rebalance your portfolio when required, maximizing your returns and managing risks effectively.

SIP (Systematic Investment Plan) for Steady Growth
Setting up a monthly SIP of Rs 5000 is a practical approach. SIPs allow you to invest consistently, regardless of market highs and lows, which averages out costs over time. This approach, known as “rupee cost averaging,” helps reduce the impact of volatility.

Tax Implications on Mutual Fund Investments
Understanding tax rules on mutual funds is important.

Equity Mutual Funds: Gains above Rs 1.25 lakh attract a 12.5% tax on Long-Term Capital Gains (LTCG). Short-Term Capital Gains (STCG) are taxed at 20%.

Debt Mutual Funds: Both STCG and LTCG are taxed based on your income tax slab.

These tax rates are subject to change, so it’s crucial to monitor tax policies periodically. You may consult a tax advisor for updates and efficient tax planning.

Key Investment Tips to Reach Your Goal
Consistency: Stay disciplined with your SIPs to leverage compounding. Missing contributions can reduce the growth potential.

Regular Monitoring: Review fund performance at least once a year. This ensures the selected funds are meeting your expectations and objectives.

Professional Guidance: Consult a CFP periodically to align your investments with your financial plan. They can advise on any required adjustments to optimize your portfolio.

Adjusting for Inflation and Goal Cost
Over time, inflation will impact the cost of your daughter’s marriage. Your CFP can help you estimate the future value and adjust your SIP amount if needed. Gradually increasing the SIP amount can help you meet the target despite inflation.

Final Insights
Your commitment to this goal is commendable. By selecting the right mix of funds, maintaining discipline with SIPs, and staying informed on tax and fund performance, you’ll be well on your way to achieving the desired corpus for your daughter’s marriage.

Invest with confidence, plan regularly, and stay on track toward building a secure financial future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1033 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi
Listen
Career
Hello! I am looking to change my career. Currently, I work as a DTP Operator and Graphic Designer in my maternal uncle's offsset printing press business. My father passed away 8 years ago, so my maternal uncle has taken on the responsibility of me, my mother, and my brother. I have been working under them for the past 5 years as a favor of them. However, there has been no financial growth or development in my current position. But maternal uncle asks me to continue to work with them as their childrens are out of their Offset Printing profession. So they expect me to handle the business in future. But this will not happen. Also I'm not sure of the future scope of Offset Printing Press profession due to digitization. Though my mind is telling me to change profession, as of my financial condtion is weak I would have to start again from zero. I am feeling unsure about what to do?
Ans: Hello.
Presently you are working as a DTP operator and Graphic Designer with your uncle. It seems that due to financial problems, your uncle might be taking undue advantage of your situation and taking it granted that you must work for him and his printing press as a bull for 24x7. You said, your uncle's children are not interested in running the printing press. Hence he is expecting to handle the business in the future. I think this is a golden time to negotiate with your uncle from a business point of view and put some terms and conditions in front of him. You must overtake the printing press fully in your control and share some part of the profit with him. Remember, you are young, have solid experience of 5 years and the most important thing is that, your uncle is not dependent on you only. This makes the situation in your favor. If your uncle is not ready to hand over the printing press business to you, then you have an option to search for another job and tell your uncle also in this regard. I can fairly say, your uncle will not think to lose you under any condition. In life, nothing is impossible, With the hands-on experience of 5 years, you may job in an advertising company and a reputed publishing house. Related to your insecurity feeling, even though you are working with your uncle, you are feeling insecure. Hence either force your uncle to accept your terms and conditions or leave him without any hesitation. Try with new people, new organizations, and new opportunities. A little change will make a big change in your life.
Best of luck for your bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

...Read more

Ravi

Ravi Mittal  |403 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024
Relationship
I (27M) am well Educated & well settled in a High-paying Job. Tall, Handsome & Fit. I am a Sociable & Outgoing person, but I never had a Girlfriend because I believe in having an Arranged Marriage with a Girl from the same Community, who's Family background is known to Parents. I strongly believe in abstaining from any kind of Sexual Intimacy until I get Married, due to my Personal, Moral, Ethical, Emotional as well as Religious & Socio-cultural Values. I'd want to experience even my First Kiss, only after getting Married to my Life Partner. And obviously, I expect my Future Life Partner also to Share similar Values. I cannot settle for Marriage with a Girl who had Pre-marital Sex (or even Kissed) anyone else in a Romantic Relationship, prior to Marriage. I would Reject such a Girl, however Beautiful, Well-Educated & Well-Earning she might be (all other Qualities being Subjective). Now, my Family has started looking up suitable Brides for me, within my Community. The Problem is that most Girls of our Community, in this Generation, are Well Educated & Financially Independent, staying in Cities, away from Parents & most of them, probably had Romantic Relationship(s) & experienced Physical Intimacy, at any Base Level. I know this by closely observing & discussing with many Girls of my Community (including my Female Cousins, Female Friends & Neighbours etc). They all are ridiculing me for my Preferences & advising me to forsake my Values, as they are Outdated in this Age. Now, I am Worried that I might never get to Marry a Girl who shares my Values. My greatest Fear is not ending up Unmarried, but getting Married to a Woman who lies about her Past (I consider it as Cheating). Can you please advise me on, how can I be absolutely Sure that a Girl is an Un-Kissed Virgin? How do I bring up this topic with any Girl before Marriage & ask her, without coming off as Creepy? How can I be Sure whether the Girl is being absolutely Honest about her Past or not? What are some other ways to find out about the Past of a Girl, apart from having an open conversation with herself? Please advise me regarding this, my Heart is not letting me foresake my Values, which are my Core Principles. I am willing to compromise on some other Qualities i.e., I'd happily settle down with a Girl who's Below Average in terms of Looks, Education & even Unemployed, as long as I can be Sure that she's an Un-Kissed Virgin. How can I be absolutely Sure of that?
Ans: Dear Anonymous,
You don't have to forsake your values based on others' opinions of it. If it makes you happy, you should stick to it. Having said that, you cannot force the same values on others. I understand you want a partner who has a similar mindset. The only way to get what you want is an open conversation- when you speak to a match, you can open up about your outlook and clear it from your end that you want the exact same values in your partner and politely request them to reject the alliance if she has any past relationships or has been intimate with anyone in any form. Let her know that you are not judging her, but this part is very important for you. Make it about yourself, because it is. Do not let the woman feel that there is some flaw in her, or start investigating her past.

Now, coming to your other query, how to be absolutely sure that she is telling the truth about her experiences- there is no such technique. You have to trust her. Moreover, you should understand that as much as you believe your values are important, trust in your partner is equally important in having a healthy and happy relationship. While you work on finding the partner of your choice, work on having a little more faith in people.
Hope this helps.

Best Wishes

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x