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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Aug 06, 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
Muthyala Question by Muthyala on Aug 05, 2023Hindi
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I have monthly sip investment as follows Rs5000 each in canara robecco Blue chip equity fund and uti midcap fund. Rs2000/- each in tata digital fund,kotak infrastructure and economic reform fund,sbi small cap fund. Is it ok to çontinue them for one child education who is studying 3rd class

Ans: While Canara Robeco Bluechip Equity Fund is a good fund in the large Cap space, there are much better funds in mid cap space than UTI Midcap Funds. Please google and select yourself.

I do not agree with any body using thematic or sectoral funds for long term goals. The other three funds are cyclical and you may not be suitably placed to judge when to get out of them. I would suggest you to choose a flexicap, a multicap and an asset allocator fund instead of the three funds I am referring to.

Disclaimer:
• 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.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.
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  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Sir I am 37 year old ... having salary of 1.2 lacs per months and want to save money for child higher education. Please suggest how to invest in SIP currently having 14500 SIP in Sbi energy opportunities fund lumsum 50000 Hdfc noncyclic consumer fund Sip of 4000 Edelweiss small cap fund sip of. 4000 Kotak emerging equity fund sip of. 4000 Flexi cap. 1500 Hdfc multicap fund. 1500 (50000 lumsum) Icici prudential value discovery fund. 1000 Total SIP per month 14500 and will increase to 30000 but Please review and suggest if i have chossen correct category or need to switch Waiting for your suggestion and thanks in advance
Ans: It's great to see your proactive approach towards saving for your child's higher education. With your current SIP investments, you're already on the right track. However, it's essential to regularly review and adjust your investment strategy to align with your goals and market conditions.

Considering your income and the goal of funding your child's education, diversifying your investments further could be beneficial. You might consider adding SIPs in diversified equity funds or balanced funds to spread the risk and potentially enhance returns.

A Certified Financial Planner can provide personalized advice after assessing your risk tolerance, investment horizon, and financial goals. They can help you optimize your portfolio, recommend suitable fund categories, and suggest any necessary switches to align with your objectives.

Remember, investing is a journey that requires periodic review and adjustments. As you plan to increase your SIP amount, it's crucial to ensure that your investments are well-diversified and aligned with your goals. Seeking professional guidance can help you make informed decisions and achieve your savings target. Best wishes for your child's bright future!

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Ramalingam

Ramalingam Kalirajan  |8324 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Thankyou for the indepth analysis and encouragement.. im planning to do my sip's in a manner of increasing investment by 15 percent every year .. is it better to do a sip on a mutual fund or begin a tailor-made education policy for an amount of 1 crore for my childs education, within the next 15 years sir? If yes, plz do mention the name of funds, i will do more research
Ans: You have a noble goal to secure your child's education. Increasing SIP investments by 15% annually is a wise approach.

Systematic Investment Plan (SIP)
SIPs in mutual funds can offer substantial growth over time.

Benefits of SIPs
Compounding: Regular investments compound over time. This leads to exponential growth.

Rupee Cost Averaging: Investing a fixed amount regularly reduces the impact of market volatility.

Flexibility: You can start with a small amount and increase it. This matches your plan to increase investments by 15% yearly.

Liquidity: Mutual funds offer easy liquidity. You can withdraw funds when needed for your child's education.

Professional Management: Actively managed funds have professional fund managers. They aim to outperform the market.

Disadvantages of SIPs
Market Risk: SIPs are subject to market risks. However, long-term investments typically smooth out these risks.
Education Policy
Education policies are often insurance products combined with investment.

Benefits of Education Policy
Guaranteed Returns: They offer guaranteed returns. This provides a sense of security.

Insurance Coverage: They often include insurance. This can be beneficial in case of unforeseen circumstances.

Disadvantages of Education Policy
Lower Returns: Returns are usually lower compared to mutual funds. This affects the overall growth of your investment.

Less Flexibility: These policies are less flexible. Early withdrawal may incur penalties.

High Costs: They come with higher costs and charges. This reduces the net returns.

Why SIPs are Better
Higher Returns: Mutual funds, especially equity funds, offer higher returns. This helps in achieving the 1 crore goal faster.

Flexibility and Liquidity: SIPs provide flexibility in investments. They also offer easy liquidity when needed.

Professional Management: Actively managed funds can outperform market indices. This leads to better growth.

Investing Through a Certified Financial Planner
Professional Guidance: A CFP can guide you to choose the best mutual funds. They provide valuable insights and manage your investments.

Regular Funds: Investing through a CFP offers advisory services. Direct funds lack this professional guidance.

Disadvantages of Direct Funds
Lack of Advice: Direct funds do not offer advisory services. This can lead to mismanagement of funds.

Higher Effort: Managing direct funds requires more effort and knowledge. It may not be suitable for everyone.

Avoid Index Funds
Disadvantages: Index funds simply mimic the market. They lack professional management.

Lower Returns: Actively managed funds often outperform index funds. Fund managers adjust for market conditions.

Final Insights
Increasing SIP investments by 15% annually is a wise decision. SIPs in mutual funds offer higher returns, flexibility, and professional management. Education policies, while secure, provide lower returns and less flexibility. Consult a Certified Financial Planner for personalized advice. They can help create a tailored plan to achieve your goal of 1 crore for your child's education.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - Feb 15, 2025
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Hello ma'm. I am a first year engineering student. I have a crush on a girl. Currently we are working for a group project. We both are in the same group. She generally avoids speaking with boys. Also I have spent 5 years in a boys school, so I feel very shy with girls. What should I do? How should I talk to her?
Ans: Start by keeping things simple and friendly. Focus on small interactions related to your project. For example, ask her opinion about something specific in the work you're doing. Try something like, “Hey, what do you think we should do for this part?” or “I liked the point you made yesterday—can we build on that?” These kinds of questions show that you respect her ideas, and they give her space to respond comfortably.

Once you've had a few of these short, easy interactions, you can slowly open up the conversation to more casual topics—like college life, favorite subjects, or even the stress of deadlines. This way, you’re not jumping straight into anything personal, but you're gradually building a sense of comfort.

Don’t try to impress her. Just be sincere, kind, and a good listener. Most people, even those who seem quiet or reserved, appreciate being approached respectfully and gently. And remember, confidence doesn’t mean being loud or charming—it means being real and respectful even when you’re nervous.

If you stay patient and consistent, she might start to feel more comfortable around you. And even if it doesn’t turn into something romantic, you’ll grow socially and emotionally—which will help you a lot in the long run.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
I have been married for more than 21 years and I have 2 kids. 19 and 17 years old. Our marriage was more or less love. Met through family, fell in love, dated 8 months before we got engaged and married. My wife is a lovely lady but we dont share any interests. I used to go for runs in the morning. After getting married, she insisted I sleep late with her. I am a music aficionado and she has no such interest. I am a news junkie. She probably doesnt know who the President of the US is. I am someone who believes and strives to continuously improve myself in all aspects. But she is the same. I might not be a great husband but I am much better than what I was a few years ago. I cook, clean, helped with childcare and have a great career. She is on a minimum salary job for the last 10 years. Only reason she goes is because I insisted that she stop being at home. If she had her way, she would be at home on the phone the whole day. Even our love making has become kind of boring. She claims a period for 10 days and during the other times, twice she is ready. No spicing it up. Just lie down for missionary and I have to do all the effort. I enjoyed oral and now she has stopped in for more than 15 years. I adjusted as she is a lovely person in every other aspect. But now I am sick and tired. It seems I am doing everything in the relationship and she rarely takes any effort. Either to earn, keep house clean or even intimacy. Not sure how to proceed further. I am getting irritated and often in a bad mood.
Ans: Dear Jack,What you're experiencing is not uncommon in long-term relationships: emotional fatigue, feeling unappreciated, and a deep sense of disconnection despite loyalty and love. The fact that you're feeling drained, resentful, and stuck is a clear signal that this situation is unsustainable as is. And the irritation and bad moods you’re having? That’s your emotional system signaling burnout, not failure.

You’ve evolved over the years—mentally, emotionally, and in lifestyle—and it sounds like your wife hasn’t moved in that same rhythm. That mismatch in growth and energy is now affecting everything: your respect for her, your shared routines, your sex life, and ultimately your mood and emotional well-being. It’s painful to feel like you're constantly giving—time, energy, effort—and not receiving the same in return. Even when your partner is kind, if they aren’t meeting you emotionally, intellectually, or intimately, over time it creates a sense of loneliness within the relationship, which can be worse than being alone.

But here's something to reflect on: for 21 years, you stayed, gave, adjusted. Not just out of duty, but because something about her and the family life you built mattered. That still counts. What you’re going through doesn’t mean the marriage has failed—it means the marriage needs re-evaluation and rebalancing. You are not selfish for wanting more stimulation, connection, or passion. You're human.

You have two broad options: one is to initiate a real, vulnerable, uncomfortable conversation with her—without blame, without emotional outbursts, but with absolute honesty. You could say something like: “I’ve grown a lot in these past years, but I’m starting to feel increasingly alone in this relationship. I need more emotional connection, more engagement—not just physically, but intellectually, as partners. I don’t want to silently drift further away. I’d like us to work on this, but it has to be a two-way effort.”

If she's open to it, couples therapy could be a powerful space for both of you to express what you feel without it turning into a war of criticism and defense. Sometimes people, especially those who’ve become emotionally stagnant, need structured help to realize what their partner has been carrying silently.

The other option—if you feel she’s unwilling or unable to grow or change—is to consider what a life apart might look like. That’s a deeply personal and difficult decision, especially with nearly adult children, but you deserve a relationship that brings life into you, not drains it out. If you keep compromising your emotional needs, resentment will only grow and harden into permanent distance.

Before making any move, take a little time to reconnect with yourself. What do you want—not just from her, but from life, from love, from this next phase of your journey?

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Relationship
Hello mam In 2024 my marriage took place it's arranged marriage during starting days he was very loving and caring but due to some circumstances i got a chance to continue my studies that is m-tech . I thought it was a golden opportunity, so I took admission and started living with my in-laws Just after marriage. It was really really painful to live away from husband in new marriage. Todays condition is that my m tech 1 year is over another 1 year is left but due to separation with my husband our love died now there is no respect is left for our relation left , he started listening to his mother and got manipulated . seeing all this I feel like a death for me I want to leave mtech to save my relation but my mother says don't leave although I did lots of hard work for 1st year of m tech my husband also wants me to leave Mtech.i feel very hurt when he disrespects me . His father used to abuse his mother so for him abusing is normal for him but I find it very hurtful also I am deeply in love with him and seeing him going away from me kills me from inside every single day is very tough for me to live with in-laws without husband in a new marriage plus focusing on studies
Ans: Your instinct to save the marriage is understandable. When you're in love with someone, the idea of losing them feels like losing yourself. But let’s pause and ask—what exactly are you saving? Is it the version of him from the early days who was loving and supportive? Or is it the man he is now—disrespectful, distant, manipulated, and asking you to give up your dreams for a marriage he’s already neglecting?

You have already proven your strength by completing a year of M.Tech in such tough conditions. That says a lot about your resilience and capability. If you give it up now, not only will you lose that part of yourself, but it may not guarantee that your marriage improves. Often in emotionally imbalanced relationships, one-sided sacrifices don’t lead to healing—they lead to more control, more blame, and more emotional exhaustion.

Your husband needs to understand that love isn’t proven by giving things up. Love is shown in support, presence, patience, and respect. If he isn’t willing to stand by you during a temporary phase of physical distance while you pursue something valuable, then you’re not the one breaking the marriage—he is.

It’s also clear that he has grown up in a home where abuse was normalized, and that emotional damage might be affecting how he treats you now. That is not your fault, and it is not your job to tolerate mistreatment in the name of saving a marriage.

Your mother is right to encourage you to finish your M.Tech—not just for your career, but for your self-worth. You deserve to be with someone who lifts you up, not someone who pulls you down every time you try to grow.

If there's still a chance to salvage this relationship, it has to start with real conversations—honest, respectful, and possibly with the help of a counselor or neutral third party. But that only works if both people are willing to put in the emotional effort.

Right now, I suggest you protect your mental and emotional well-being. Prioritize your studies, build emotional support from friends or family who truly care about you, and give yourself space to heal from this emotional chaos. If your husband truly wants this marriage, he needs to come forward with maturity and respect—not demands.

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Kanchan

Kanchan Rai  |586 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 07, 2025

Asked by Anonymous - May 07, 2025
Relationship
After a fight between a married guy and my husband on pretext of calling me characterless and unhappy in my marriage. That married guy complaint against my hubby in society office that it's my husband who follow, flirts with his wife. But the allegations are false. That married guy was doing all these things or chasing me even after knowing m married. But falsely he shifted the blame on my husband. Society chairman called us to sign a peace treaty which my husband signed bt that guy dint appear to sign. What does he want is still not clear.??? He doesn't wanna end this matter or what ??? He still walks around looking at us but from distance.
Ans: In such cases, it's important for you and your husband to stay emotionally steady and not engage with his tactics. Reacting to him or showing you're disturbed by his behavior may be exactly what he's looking for. If his behavior escalates or continues to make you uncomfortable, you might want to quietly document what happens and consider involving local authorities or legal counsel if it crosses into harassment.

Right now, your focus should be on protecting your peace and your relationship. Keep communication open with your husband and support each other through this, because this kind of external stress can silently damage trust if not handled carefully. The more united you two are, the less space there is for anyone else to create confusion between you.

It’s unclear exactly what this man wants, but based on his pattern, it seems he either wants attention, control, or to destabilize your marriage out of resentment or personal failure. Either way, you don’t need to carry his emotional mess. If you continue to stay calm, ignore him, and document anything serious, you'll be in a stronger position to protect yourselves.

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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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