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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Nov 18, 2022

Mutual Fund Expert... more
Sachin Question by Sachin on Nov 18, 2022Hindi
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Presently I don’t have any SIP investment. Have I missed the bus?

Ans: There is no good or bad times, starting early has compounding advantage, however even now it’s not late.

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

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Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.
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we have 3 yrs of relationship and in that frm 2 yrs we are in long distance we have great bondings ,no issue on that but the major issue taht we have no future becos he belongs to bhramin family his family is very strict not accept intercaste marriage and also they dont want him to move out of house . right now he is pursuing mbbs and i am pursuing computer science . i live in bangalore as u know its tech hub and best place for me for career but he will make future in gujarat he is telling me to come over there after marriage still we have lot time to think but he dont want to hang me in middle of the situation as he is not able to promise me that he will make it work 100% . He now every time telling me ki if u come to gujarat then only it will work and convince his family and some time he tells me that even if u come their might be my parents not fully accept u and tell u something rudely and all stuffs as i belong to general and may be u will regret for ur career also . what should i do should i compromise my career and do remote job or stay in some small company just for him or otherwise leave him? even i have great fear of not getting any soulmate after this becos as my experiences my elder sisters and brothers are still dint get their perfect partners its hard to get married to unknown i know i am overthinking at this stage but am confuse. i also dont have much frnd to talk about my prsnl problems .its been 2 yrs i have been through my personal loss and family problems also some times i am in pain getting sucidal thoughts its not for the relationships .Please help me with this .
Ans: Tel him to step up as a man and decide. You don't need a soul mate. The one you are seeking is yourself. Choose to be financially strong..
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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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