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Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 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
Asked by Anonymous - Feb 18, 2024Hindi
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i want to open in mutual fund nfo.which will be better for me. canara robecco manufacturing fund or Edelweiss technology fund i already have 10k in ratia 5:3:2 in zerodha elss taxsaver nifty large midcap 250index,quant infrastructure fund,aditya birla sunlife psu equity fund

Ans: When choosing between mutual fund NFOs like Canara Robeco Manufacturing Fund and Edelweiss Technology Fund, it's essential to consider various factors such as your investment goals, risk tolerance, and portfolio diversification.

Canara Robeco Manufacturing Fund: This fund focuses on investing in companies operating in the manufacturing sector. It aims to capitalize on the growth potential of manufacturing companies and may be suitable if you're bullish on the manufacturing sector's prospects. However, it's essential to assess the fund's investment strategy, track record, and the outlook for the manufacturing sector before investing.
Edelweiss Technology Fund: This fund focuses on investing in technology-related companies, which may include IT services, software, hardware, and internet companies. It aims to benefit from the growth potential of the technology sector, which has been experiencing rapid innovation and expansion. If you believe in the long-term growth prospects of the technology sector, this fund may align well with your investment objectives.
Considering your existing investments in ELSS, index funds, and infrastructure funds, adding exposure to a specific sector like manufacturing or technology can provide additional diversification to your portfolio. However, it's essential to evaluate the concentration risk and ensure that the sectoral allocation complements your overall investment strategy.

Before investing in any NFO, thoroughly research the fund's objectives, investment strategy, fund manager's track record, and expense ratio. Additionally, consider consulting with a Certified Financial Planner to assess how the NFO fits into your overall investment portfolio and whether it aligns with your financial goals and risk profile.

Remember to stay focused on your long-term investment objectives and avoid making investment decisions solely based on short-term market trends or NFO hype. Diversification, thorough research, and disciplined investing are key to building a successful investment portfolio over time.
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  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

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Hi, My name is Madhur and i am working in Private Job. I am regularly investing through SIP in below Mututal Fund from last 2 years and want to continue for 10-12 years. Please suggest if my choice of MF is correct or now. I am ready to take risk : Axis Bluechip Fund - GR 5000 Axis Long Term Equity Fund - GR 5000 Axis Mid Cap - GR 3000 DSP Midcap Fund - Reg GR 3000 ICICI Prudential Technology - GR 5000 Invesco India Midcap Fund - GR 3000 Kotak Emerging Equity Fund - GR - 3000 Kotak Flexicap Fund - GR 2500 Mirae Asset Emerging Bluechip Fund - GR 2500 Nippon India Pharma Fund - GR 5000 SBI Flexicap Fund - GR - 5000 Tata Digital India Fund - GR 5000
Ans: Hi Madhur,

It's commendable that you have been diligently investing through SIPs in mutual funds. Your dedication to growing your wealth over the next 10-12 years is inspiring. Let’s take a detailed look at your mutual fund portfolio and evaluate its alignment with your goals and risk tolerance.

Assessing Your Current Mutual Fund Portfolio
You have a diverse range of mutual funds, each with its unique investment strategy and focus. Here’s a breakdown of your current investments:

Bluechip Funds
Bluechip funds invest in large-cap companies known for their reliability and stable performance. These companies typically have strong financials and a proven track record. Bluechip funds are less volatile compared to mid-cap or small-cap funds, making them a relatively safer option within equity investments.

Mid-Cap Funds
Mid-cap funds invest in medium-sized companies with high growth potential. These funds can provide substantial returns, but they also come with higher risk and volatility. They are suitable for investors with a longer investment horizon and a higher risk appetite.

Flexi-Cap Funds
Flexi-cap funds have the flexibility to invest across large-cap, mid-cap, and small-cap stocks. This flexibility allows fund managers to adapt to market conditions, potentially optimizing returns. These funds offer a balanced approach to risk and reward.

Sectoral Funds
Sectoral funds focus on specific sectors such as technology or pharmaceuticals. While these funds can offer high returns, they are also subject to sector-specific risks. They should be a smaller part of a diversified portfolio to mitigate risk.

Evaluating the Diversification
Your portfolio includes a mix of bluechip, mid-cap, flexi-cap, and sectoral funds. This diversification helps in spreading risk across different market segments. However, a few adjustments can further optimize your portfolio:

Concentration in Mid-Cap Funds
You have significant investments in mid-cap funds. While these funds can provide high returns, they also come with higher volatility. Ensure that the proportion of mid-cap funds aligns with your risk tolerance and investment horizon.

Exposure to Sectoral Funds
Investments in technology and pharmaceutical funds indicate a high sector-specific exposure. These sectors can be volatile and cyclical. Consider limiting sectoral exposure to avoid excessive risk.

Flexi-Cap Funds
Flexi-cap funds offer the benefit of dynamic allocation across market caps. These funds can adapt to changing market conditions, making them a valuable part of your portfolio. Ensure that your investment in flexi-cap funds is balanced with other fund types.

Recommendations for Portfolio Optimization
Review Sectoral Fund Allocation
While sectoral funds can offer high returns, they also carry sector-specific risks. Ensure that your exposure to these funds does not exceed a comfortable level. Diversify further if needed to mitigate risk.

Consider Actively Managed Funds
Actively managed funds have the potential to outperform index funds. Skilled fund managers can make strategic decisions to maximize returns. Despite higher fees, actively managed funds often provide better returns due to their flexibility and professional management.

Increase SIP Contributions
Regularly increasing your SIP contributions can significantly enhance your portfolio’s growth. As your income rises, consider increasing the amounts you invest in each SIP. This approach leverages the power of compounding over time.

Disadvantages of Index Funds
Index funds passively track a market index and aim to replicate its performance. While they have lower fees, they also have limitations:

Lack of Flexibility: Index funds cannot adapt to changing market conditions or make strategic adjustments.

Potential for Lower Returns: Actively managed funds often outperform index funds due to active stock selection and market analysis.

Benefits of Investing Through a Certified Financial Planner
While direct funds have lower expense ratios, investing through a Certified Financial Planner (CFP) provides several advantages:

Expert Guidance: CFPs offer personalized advice tailored to your financial goals and risk tolerance.

Holistic Financial Planning: A CFP provides comprehensive financial planning, including tax planning, retirement planning, and risk management.

Ease of Management: Investing through a CFP ensures regular monitoring and rebalancing of your portfolio, keeping it aligned with your objectives.

Conclusion
Your commitment to long-term investing through SIPs is commendable. By reviewing your sectoral fund allocation, considering actively managed funds, and regularly increasing your SIP contributions, you can further optimize your portfolio. Engaging with a Certified Financial Planner will provide you with expert guidance and ensure your investments remain aligned with your financial goals. Keep up the excellent work in securing your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 21, 2024

Money
Hello sir, I am 48 yrs old, salaried, just stared to invest in MF. I selected the following funds for monthly SIP of rs 10000 each... 1. Nippon India large cap fund direct growth 2. Motilal Oswal midcap fund direct growth 3. Quant large & Mid cap fund direct growth Please advice all these choices are ok? Also pl advice two more funds to invest sip of rs 10000 each and likely to invest lumpsum of 2 lakhs every 6 months....expecting carpus of 3cr during my retirement age of 60yrs old. Advance thanks
Ans: You are 48 years old and have started investing in mutual funds. You plan to invest Rs 10,000 per month in three selected funds. Additionally, you are looking to invest Rs 10,000 per month in two more funds and a lump sum of Rs 2 lakhs every six months. Your goal is to accumulate a corpus of Rs 3 crore by the time you retire at age 60.

This is a critical time in your financial journey, and it's essential to make informed decisions. Your choices will significantly impact your retirement corpus.

Evaluating Your Current Fund Selections
Nippon India Large Cap Fund (Direct Growth): Large-cap funds offer stability and are generally less volatile. However, direct plans require you to manage the investments yourself. This might be challenging without regular market insights. It’s advisable to invest in regular plans through a Certified Financial Planner (CFP) who can provide ongoing guidance and support.

Motilal Oswal Midcap Fund (Direct Growth): Midcap funds can offer higher growth but come with increased risk. Again, managing direct funds on your own can be complex. A CFP can help you navigate market changes and ensure your investments align with your goals.

Quant Large & Mid Cap Fund (Direct Growth): This fund provides a balance between stability and growth. However, the same concerns apply here regarding the direct plan. A CFP can help you maximize returns while managing risk.

Disadvantages of Direct Funds
Direct funds have lower expense ratios, but they lack the professional advice and management that comes with regular funds. This can lead to missed opportunities or increased risks, especially if you lack the time or expertise to monitor your investments closely.

Investing through a CFP in regular funds ensures that your investments are regularly reviewed and rebalanced. This approach aligns your portfolio with your financial goals and risk tolerance.

Recommendations for Additional Funds
To complement your existing investments and achieve your retirement goal, consider the following:

Diversification: It's crucial to diversify your portfolio across different asset classes and fund categories. This strategy helps in managing risk and improving potential returns.

Balanced or Hybrid Funds: Consider adding a balanced or hybrid fund to your portfolio. These funds invest in both equity and debt instruments, offering a mix of growth and stability. They can be an excellent addition, especially as you approach retirement.

Flexi-Cap Funds: Flexi-cap funds invest across large, mid, and small-cap stocks. This flexibility allows the fund manager to shift investments based on market conditions, potentially enhancing returns while managing risk.

Regular Plans with CFP Guidance: As mentioned earlier, it's advisable to invest in regular plans with the guidance of a CFP. This will ensure that your investments are well-managed and aligned with your retirement goal.

Investing Lump Sum Every Six Months
Lump sum investments can be a great way to boost your corpus. However, investing the entire amount at once can expose you to market volatility. Here’s how to approach it:

Systematic Transfer Plan (STP): Instead of investing the lump sum directly into equity funds, consider using a Systematic Transfer Plan (STP). Start by investing the lump sum in a debt fund, and then gradually transfer it to your equity funds. This strategy helps in averaging the purchase cost and reduces the impact of market volatility.

Diversification Across Funds: Spread your lump sum investments across different funds rather than concentrating it in one. This approach reduces risk and increases the potential for growth.

Achieving Your Rs 3 Crore Retirement Goal
Your goal of accumulating Rs 3 crore by the time you turn 60 is achievable with disciplined investing and proper planning. Here’s how to ensure you stay on track:

Consistent SIPs: Continue with your SIPs diligently. The power of compounding will significantly enhance your corpus over time.

Regular Reviews: Schedule regular reviews of your portfolio with your CFP. This will help in making necessary adjustments based on market conditions and your evolving financial goals.

Adjusting Contributions: As your income grows, consider increasing your SIP amounts. Even a small increase can have a significant impact over the long term.

Focus on Long-Term Growth: Avoid the temptation to withdraw from your investments for short-term needs. Keep your focus on the long-term goal of building a substantial retirement corpus.

Final Insights
You have made a good start by choosing to invest in mutual funds. However, moving forward, it’s crucial to seek guidance from a Certified Financial Planner. This will ensure that your investments are aligned with your goals and are managed effectively.

By diversifying your portfolio, utilizing STPs for lump sum investments, and regularly reviewing your investments, you can achieve your goal of Rs 3 crore by the time you retire. Your commitment to consistent investing will pay off, securing a comfortable retirement for you.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

Money
i am 37 yrs world married with 5 yrs boy.i earned around 70 k per month.i hv ppf of 30 lac,epf 40 lac.i hv 6 lac fd.lic 24k and 29 k premium paid per year,postal life insurance 36 k per year premium paid . lump sum 50 k investment in icici preduantial small cap 2 yrs ago(still holding),lumpsum 70 k in axis bluechipfund 2 yrs ago(still holding),lumpsum 50k sbi balance advance fund(still holding),3.69 lac in sbi blue chip fund from 2014 which is now 5 lac my present sips are on 1) 1000 sbi bluechipfund(running from 1.5 yrs) 2)2000 sbi contra fund(fresh adding) 3)2500 sbi kotak small cap(running from 2 yrs) 4)2500 parag parekh flexicap(running from 2 yrs) 5)2500 nippon small cap(fresh adding) 6)2500 axis quant fund(fresh adding) should i stop lic..and invest more in sips ?i want some 50 lac in 7-8 yrs in returns which mutual fund would be better pls suggest me?
Ans: At 37 years old, you are married with a 5-year-old child and earn around Rs. 70,000 per month. Your current investments include:

PPF: Rs. 30 lakh
EPF: Rs. 40 lakh
FD: Rs. 6 lakh
LIC premiums: Rs. 24,000 and Rs. 29,000 annually
Postal life insurance: Rs. 36,000 annually
Mutual funds: Various lump sum investments and SIPs
Evaluating Your Current Investments
Public Provident Fund (PPF):

You have Rs. 30 lakh in PPF, which provides stable and tax-free returns. This is a good foundation for your long-term financial goals.

Employee Provident Fund (EPF):

With Rs. 40 lakh in EPF, you have another solid, low-risk investment for retirement.

Fixed Deposit (FD):

Your Rs. 6 lakh in FDs offers safety but lower returns compared to other investments.

Life Insurance Policies:

Your LIC and postal life insurance policies provide life cover but might not be the most efficient investment vehicles in terms of returns.

Mutual Funds:

You have diversified mutual fund investments, including lump sums and SIPs. These funds can potentially offer higher returns over the long term.

Financial Goals
Your goal is to accumulate Rs. 50 lakh in the next 7-8 years. Let's analyze how to optimize your investments to achieve this target.

Strategic Investment Plan
Reviewing Life Insurance Policies:

Life insurance is crucial, but high premiums can limit investment potential. Consider term insurance for adequate life cover at lower costs. You can then redirect savings into high-return investments like mutual funds.

Mutual Fund Investments:

Mutual funds are a powerful tool for wealth creation. Your current SIPs are well-diversified across different fund categories. To reach Rs. 50 lakh, let's focus on optimizing these investments.

Optimizing SIPs
Current SIPs:

SBI Bluechip Fund: Rs. 1,000
SBI Contra Fund: Rs. 2,000
Kotak Small Cap Fund: Rs. 2,500
Parag Parikh Flexi Cap Fund: Rs. 2,500
Nippon Small Cap Fund: Rs. 2,500
Axis Quant Fund: Rs. 2,500
Suggested Adjustments:

Increase your SIP amounts in funds with strong performance histories and potential for high returns. Consider the following:

SBI Bluechip Fund: Increase to Rs. 3,000
SBI Contra Fund: Maintain Rs. 2,000
Kotak Small Cap Fund: Increase to Rs. 5,000
Parag Parikh Flexi Cap Fund: Increase to Rs. 5,000
Nippon Small Cap Fund: Maintain Rs. 2,500
Axis Quant Fund: Maintain Rs. 2,500
Lump Sum Investments
Existing Lump Sums:

ICICI Prudential Small Cap: Rs. 50,000
Axis Bluechip Fund: Rs. 70,000
SBI Balance Advantage Fund: Rs. 50,000
SBI Bluechip Fund: Rs. 3.69 lakh (now Rs. 5 lakh)
These lump sums have been performing well. Continue holding them for potential growth.

Future Lump Sum Investments:

Redirect your FD amount into mutual funds. FDs offer lower returns, and shifting this amount can boost your investment growth. Consider splitting Rs. 6 lakh into these funds:

Large Cap Fund: Rs. 2 lakh
Mid Cap Fund: Rs. 2 lakh
Small Cap Fund: Rs. 2 lakh
Investing the Savings from Insurance Premiums
LIC and Postal Life Insurance:

If you choose to surrender or reduce these policies, you can redirect the premium amounts into SIPs or mutual funds. For example:

Rs. 24,000 (LIC) + Rs. 29,000 (LIC) + Rs. 36,000 (Postal) = Rs. 89,000 annually
This amount can be added to your SIPs for higher returns.

Calculating the Future Value
Using a conservative return rate of 12% per annum for mutual funds, let's estimate the future value of your investments.

PPF and EPF:

Continue to grow steadily. Let's assume no additional contributions.

Mutual Funds:

With increased SIPs and redirected lump sums, your portfolio can grow significantly. For example:

Monthly SIPs: Rs. 20,000
Lump Sums: Rs. 6 lakh (initial) + growth
Over 7-8 years, these investments can potentially exceed Rs. 50 lakh, considering compounding returns.

Contingency and Emergency Funds
Maintain an emergency fund equivalent to 6 months of expenses. This ensures financial security in case of unexpected events.

Regular Review and Adjustment
Regularly review your investment portfolio. Adjust your SIPs and investments based on performance and market conditions. Annual rebalancing can help maintain your desired asset allocation.

Conclusion
By optimizing your current investments and increasing your SIP contributions, you can achieve your goal of Rs. 50 lakh in 7-8 years. Here’s a summary of the action plan:

Review and potentially surrender LIC policies.
Increase SIP contributions in high-performing funds.
Redirect FD amounts into mutual funds.
Maintain an emergency fund.
Regularly review and adjust your investments.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9309 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Asked by Anonymous - Jun 17, 2024Hindi
Money
I am 67 yrs old and I am ready to in equity based M F with high to medium risk appetite I have choosen following MF RS 5000 PM in each 1Quant Small cap fund 2 Nippon India Small cap fund 3.Invesco India PSU Fund 4.Quant Large and Midcap Fund 5. Nippon India power and infrastructure fund 6.Quand Mid cap fund 7.J M Flexicap fund 8.MOS Defence fund(New NFO)
Ans: Investing in equity-based mutual funds can be a wise decision, especially when you have a high to medium risk appetite. It allows you to potentially achieve high returns while diversifying your portfolio. At 67 years old, it’s crucial to choose funds that align with your risk tolerance and financial goals. Your chosen funds reflect a mix of small cap, large cap, mid cap, and sector-specific funds. Let's evaluate and assess your choices, ensuring they align with your investment objectives.

Understanding Equity Mutual Funds
What are Equity Mutual Funds?
Equity mutual funds invest primarily in stocks. They aim to generate high returns by investing in a diversified portfolio of equities. These funds are managed by professional fund managers who make investment decisions based on market research and analysis.

Categories of Equity Mutual Funds
Small Cap Funds: These funds invest in companies with small market capitalizations. They have high growth potential but also higher risk.

Mid Cap Funds: These funds invest in mid-sized companies. They offer a balance between growth potential and risk.

Large Cap Funds: These funds invest in large, well-established companies. They are less risky and offer stable returns.

Sector-Specific Funds: These funds invest in specific sectors like power, infrastructure, or defense. They carry higher risk due to sector concentration.

Advantages of Equity Mutual Funds
Professional Management: Managed by experienced fund managers who make informed investment decisions.

Diversification: Spread investments across various companies and sectors to reduce risk.

Liquidity: Easy to buy and sell, offering high liquidity.

Potential for High Returns: Can provide significant returns over the long term due to stock market growth.

Risks of Equity Mutual Funds
Market Risk: The value of investments can fluctuate due to market conditions.

Sector Risk: Sector-specific funds can be highly volatile if the sector underperforms.

Company Risk: Poor performance of a company can impact the fund's returns.

Evaluating Your Chosen Funds
Small Cap Funds
Potential and Risk
Small cap funds have the potential for high growth but come with increased volatility. They are suitable for investors with a high-risk appetite.

Your Selection
Investing in small cap funds can be a good strategy for long-term growth. However, be prepared for market fluctuations.

Mid Cap Funds
Balance of Risk and Return
Mid cap funds offer a good balance between growth and stability. They invest in companies that are not too small but have significant growth potential.

Your Selection
Mid cap funds can provide moderate risk and reasonable returns. They are a good choice for investors seeking balanced exposure.

Large Cap and Mid Cap Funds
Stability and Growth
These funds combine the stability of large caps with the growth potential of mid caps. They provide a balanced risk-reward ratio.

Your Selection
This blend can help achieve a stable yet growing portfolio, suitable for investors with medium risk appetite.

Sector-Specific Funds
Concentrated Risk and High Reward
Sector funds focus on specific industries. They can offer high returns if the sector performs well but are risky if the sector faces downturns.

Your Selection
Sector-specific funds add diversity but increase risk due to their concentrated nature. They should be a smaller part of your portfolio.

Power of Compounding
How Compounding Works
Compounding is the process where the returns on your investments generate their own returns. Over time, this can lead to exponential growth in your investment value.

Benefits of Compounding
Wealth Accumulation: Compounding helps in building significant wealth over the long term.

Reinvestment: By reinvesting your earnings, you can maximize your returns.

Long-Term Perspective
Investing regularly and staying invested for the long term can harness the power of compounding. This strategy is crucial for achieving substantial growth.



Investing at 67 shows your commitment to growing your wealth. It’s commendable to continue seeking financial growth and security.

Balancing Risk and Reward
It’s essential to balance your risk and reward, especially at your age. Diversifying your investments can help mitigate risks while aiming for higher returns.


Your choice to invest in diverse mutual funds is commendable. It shows a well-thought-out strategy to achieve financial growth.

Analytical Evaluation
Assessing Fund Performance
Regularly assess the performance of your chosen funds. Look at their historical returns, risk factors, and management efficiency.

Diversification Benefits
Diversifying across different categories of funds can help manage risk. It ensures that poor performance in one sector doesn't drastically affect your overall portfolio.

Understanding Market Trends
Stay updated with market trends. It helps in making informed decisions and adjusting your portfolio according to market conditions.

Role of a Certified Financial Planner
Importance of Professional Guidance
A Certified Financial Planner (CFP) can provide valuable insights and advice tailored to your financial goals. They help in selecting the right funds and managing your portfolio efficiently.

Personalized Financial Planning
CFPs offer personalized financial planning based on your risk appetite, investment horizon, and financial goals. They ensure your investments align with your long-term objectives.

Regular Review and Rebalancing
Regular reviews and rebalancing of your portfolio by a CFP ensure that it remains aligned with your goals. They help in making necessary adjustments based on market conditions.

Final Insights
Staying Invested
Staying invested for the long term is crucial for achieving substantial returns. Avoid the temptation to make frequent changes based on short-term market fluctuations.

Diversification and Risk Management
Diversifying your investments across different categories of mutual funds can help manage risk. It ensures a balanced and stable portfolio.

Seeking Professional Advice
Consulting with a Certified Financial Planner can provide valuable guidance. They help in making informed decisions and managing your investments effectively.

Regular Monitoring
Regularly monitor your investments to ensure they are performing as expected. Stay informed about market trends and adjust your portfolio if needed.

Conclusion
Investing in equity-based mutual funds is a wise decision. It offers the potential for high returns and diversification benefits. By understanding the categories, advantages, and risks, you can make informed investment choices. Seek professional guidance to align your investments with your financial goals. Stay invested for the long term and harness the power of compounding.

Invest wisely and secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Shalini

Shalini Singh  |165 Answers  |Ask -

Dating Coach - Answered on Jul 03, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Relationship
Mam, I am in relationship with one girl since 2.5 year and my girlfriend told about our relationship to her mom. Every positive point of mine which told by my girlfriend to her mom but every point taken negetivly and denied to her.. Move on from relationship... Leave this relationship. He is not good boy.. The problem of her mother is the caste as well as I am Divorcee person and she is unmarried. We love to each other and want to marry. Due to her mother oppose, she is nervousness totally or told that she has no any idea what to do... How to do.. She is not sure she is convince to her family or not. She told that I don't know how much time she can servive to convince her family. Totally her mind felt like empty, dumb, nervousness. Her father not know about our relationship. When this type moment occurs she behave that sometime it is agree to make efforts for convince and sometime when she is nervousness that time she told that i can not convince and to do the breakup because she is not want to go against the her mom and family. But she told that also she want to marry with me. What should I do?
Ans: I am going with the assumption you both are adults who are thinking individuals. I am also assuming you are both financially independent.

Families, parents are important and it should be so. I understand parents apprehension, having said this, I do not get it why caste and relationship status as previously married takes precedence over compatibility. One should also realise that every relationship needs working upon by 2 people- there is no certainty if someone gets married within their caste or choice of parents/ family.

Coming to your issue there are 2 options

- she is open to take the step upsetting her parents and getting married to you

or

- she and you need to move on and move on in the true sense. which means no connection whatsoever, move out of each other's social media, block contact details and move on, heal yourself and find someone else.

in case you wish to connect you may schedule an interaction with me here https://andwemet.com/relationship-guidance

...Read more

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

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