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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 19, 2026

Ramalingam Kalirajan has over 26 years of experience in MF distribution and wealth management. He holds an MBA in Finance from the University of Madras and is a CFP (Certified Financial Planner) credentialed professional. He is the Director of Holistic Investment, a Chennai-based AMFI-registered Mutual Fund Distribution (ARN-4188) and APMI-registered PMS Distribution firm (APRN07386), helping clients build long-term wealth through mutual funds and other investment solutions.... more
Asked by Anonymous - Aug 16, 2026
Money

I purchased the Kotak Premier Endowment Plan on September 30, 2023, but now I am considering closing or surrendering it. Please advise me on what I should do.

Ans: You have done the right thing by reviewing the policy now rather than continuing it blindly for many years. Since this is an investment-cum-insurance policy, I would seriously evaluate surrendering it and redirecting future savings towards a more suitable investment plan, but only after checking the actual surrender value and policy benefits.

» First, do not simply stop paying the premium

Since you purchased the policy on September 30, 2023, you have already completed more than two policy years.
Do not just stop the premium and leave the policy unattended. Depending on the policy terms, stopping premiums can result in the policy becoming paid-up or changing its benefits.
First obtain a written statement from the insurer showing the current surrender value, paid-up value and benefits that will be lost on surrender.
IRDAI's current framework requires surrender values and related non-forfeiture benefits to be disclosed, and the applicable value depends on the product terms and policy duration.

» Why I would consider surrendering

The main question is not whether the policy is "good" or "bad".
The question is whether this policy is the right place for your money for the remaining policy period.
Endowment policies combine two different objectives:

– Life insurance protection

– Long-term savings

This combination can be useful for some investors who want guaranteed benefits and are comfortable with lower growth.
But if your main objective is long-term wealth creation, I generally prefer keeping insurance and investment as two separate decisions.
Adequate term insurance can provide the required life protection.
Long-term wealth creation can then be planned through a diversified mutual fund portfolio based on your goals and risk profile.

» The biggest mistake to avoid

Do not look only at the amount you have already paid.
That money is already committed. The more important question is:

– If I receive the current surrender amount today, is it better to keep it inside this policy for the remaining period, or redeploy it into a properly designed investment portfolio?

This is the correct way to evaluate the decision.
Past premiums should not force you to continue an unsuitable investment for another 10, 15 or 20 years.

» Check these 6 numbers before surrendering

Ask the insurer or your policy servicing team to provide these in writing:

Total premiums paid till date.
Current guaranteed surrender value.
Current special surrender value, if applicable.
Paid-up value if you stop future premiums without surrendering.
Guaranteed maturity benefit if you continue the policy.
Any accrued bonus or guaranteed additions and whether they are lost, reduced or retained under surrender or paid-up status.
IRDAI's current rules specifically require policy benefit illustrations to show policy-year-wise guaranteed and special surrender values, where applicable.

» Surrender versus paid-up

There is another option which many investors forget: making the policy paid-up instead of surrendering immediately.
If the policy has acquired a paid-up value, you may be able to stop future premiums while retaining a reduced benefit.
This can be useful when the surrender value is very low but you also do not want to continue paying premiums.
But paid-up is not automatically better than surrender.
We need to compare the reduced future benefit with the amount that can be received today and invested elsewhere.

» My preference in your case

If this policy was purchased mainly as an investment and not because you specifically needed its insurance structure, I would lean towards surrendering it, provided the surrender value and tax consequences are acceptable.
I would not continue paying premiums for many more years merely to "recover" what has already been paid.
Once surrendered, the money can be redirected into a properly diversified mutual fund portfolio suited to your financial goals and time horizon.
The replacement investment should not be selected just because its recent return is higher. Asset allocation, risk, time horizon and your other investments need to be considered.

» Do not forget the insurance requirement

If you surrender the policy, do not assume that your insurance requirement also disappears.
First check how much life cover your family actually needs.
If you have dependants, the protection requirement should be addressed separately, generally through adequate pure life protection.
Only after ensuring adequate protection would I redirect the surplus towards investments.

» Tax and surrender considerations

Before submitting the surrender request, ask the insurer and your tax professional to confirm the tax treatment of the surrender proceeds based on your exact policy structure, premium, sum assured and dates.
Do not make the surrender decision only on the amount shown in the insurer's app.
The after-tax amount and the benefits lost should both be considered.

» What I would do next

I would not surrender the policy today without seeing the numbers.
Please obtain the latest policy statement and the surrender quotation.
If you share the following details, I can assess whether surrendering now makes sense:

– Annual premium

– Premium payment term

– Total policy term

– Sum assured

– Amount of premium already paid

– Current surrender value

– Guaranteed maturity amount

– Any bonus/guaranteed additions shown

– Your age when the policy was purchased

With these details, we can compare the three choices: continue, make it paid-up, or surrender and reinvest.

» Final Insights

Based on the information currently available, I would not continue this policy automatically.
Since you purchased it in September 2023 and are now reviewing it after more than two years, this is a good time to take a proper decision.
If the policy does not fit your present financial objectives, surrendering and redirecting the money towards a well-designed mutual fund portfolio can be a better long-term approach.
But first, get the exact surrender value. That one number, along with the remaining premium commitment and maturity benefit, will make the decision much clearer.
Most importantly, do not consider the surrender amount in isolation. We should look at your complete 360-degree financial position, including insurance protection, existing investments, retirement goals, family responsibilities, emergency reserves and future cash-flow requirements.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in/

https://www.linkedin.com/in/ramalingamcfp/
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

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Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Dear Money guru, I have invested Rs 2 Lakhs in Kotak Global Innovation Fund of Fund Growth (Regular Plan), with NAV of Rs 10. It is now over a year, and NAV has not crossed even 8.5. What do you suggest? Should I redeem of wait. Your advise will be highly appreciated. Thank you very much!
Ans: please remember that investment decisions should be made based on your individual financial goals, risk tolerance, and the specific details of your investment portfolio. Here are a few points to consider:

Review Fund Performance: Assess the performance of the Kotak Global Innovation Fund against its benchmark and peers in the same category. Evaluate its performance over different time periods to get a clearer picture.

Understand Reasons for Underperformance: Research and understand the reasons behind the fund's underperformance. Factors such as market conditions, sectoral performance, and fund manager strategy could all play a role.

Long-Term Perspective: If your investment horizon is long-term and you believe in the potential of the fund's investment theme, you may consider holding onto your investment despite short-term fluctuations.

Seek Professional Advice: Consult a financial advisor or investment expert who can provide personalized advice based on your financial situation and investment objectives.

Diversification: Review your overall investment portfolio to ensure it is well-diversified across different asset classes and investment themes to mitigate risk.

Exit Strategy: If you are dissatisfied with the fund's performance and it no longer aligns with your investment goals, consider redeeming your investment and reallocating it to other investment avenues.

Ultimately, the decision to redeem or hold onto your investment in the Kotak Global Innovation Fund depends on your assessment of its performance, your risk tolerance, and your long-term investment objectives.

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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 15, 2024Hindi
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Money
Sir, I had purchased kotak premier endowment plan in 2020. SI is 2.82 lakhs and annual premium is 32k. Premium payment term is 10 yrs and maturity term is 17 yrs. After having paid premium for 4 years, i am thinking to surrender the policy as it doesn't convince me anymore with its benefits. However, after paying Rs. 1.28 lakh premium over 4 years, surrender value is coming to Rs. 82k only. Should i continue with this policy or surrender and invest the amount anywhere else. Pls advise. Thanks
Ans: You purchased the Kotak Premier Endowment Plan in 2020. This plan combines insurance with savings. The sum assured is Rs. 2.82 lakhs, and the annual premium is Rs. 32,000.

You’ve already paid Rs. 1.28 lakhs over four years. The premium payment term is 10 years, and the maturity term is 17 years. The surrender value is currently Rs. 82,000, meaning a loss of Rs. 46,000.

Now, you are contemplating whether to continue with this plan or surrender and invest elsewhere.

Evaluating Endowment Plans
Endowment plans typically offer low returns compared to other investment options.
Most endowment plans have a return rate of 4-6%.
The main benefit is insurance coverage, which is often inadequate.
By continuing with this plan, your money may not grow significantly. It also locks your funds for a long period.

Advantages of Surrendering
By surrendering, you free up Rs. 82,000.
You stop further premium payments, avoiding additional allocation to a low-return product.
You can reallocate the funds to better-performing investment options.
Drawbacks of Surrendering
You lose Rs. 46,000 from the premiums paid so far.
Early surrender often results in reduced returns.
The plan’s long-term guaranteed returns will no longer apply.
Alternative Investments
If you surrender, the next step is reinvesting wisely.

Equity Mutual Funds: Offers long-term wealth creation. These funds outperform endowment plans in the long run.
Small-Cap Funds: For higher risk appetite, this can provide superior returns.
Debt Mutual Funds: Suitable for lower risk tolerance. Ideal for stable and predictable returns.
PPF (Public Provident Fund): A safe and tax-efficient option for long-term goals.
Benefits of Actively Managed Mutual Funds
Active funds often outperform benchmarks.
Professional fund managers actively monitor market opportunities.
You benefit from diversification and risk management.
Avoid direct funds unless you’re a seasoned investor. A Certified Financial Planner (CFP) or mutual fund distributor ensures better guidance.

Why Insurance Should Be Separate
Insurance-cum-investment plans like endowment are not ideal.
Term insurance offers high coverage at low costs.
Use the money saved from premiums for pure investments.
Tax Implications
Surrendering may have tax implications. Check if your premiums qualified for Section 80C.
New gains from investments may attract taxation. For equity mutual funds, LTCG above Rs. 1.25 lakh is taxed at 12.5%.
360-Degree Financial Assessment
Financial Goals: Align investments with your goals (e.g., retirement, children’s education).
Risk Appetite: Choose investments matching your comfort level with risk.
Emergency Fund: Maintain liquid funds to handle financial emergencies.
Debt Management: Clear high-interest liabilities before investing.
Portfolio Review: Balance investments between equity, debt, and fixed income.
Final Insights
The decision depends on your long-term goals. Surrendering is better if the plan does not align with your financial strategy. Reallocate wisely to maximize returns. Consult a Certified Financial Planner for personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 26, 2026

Money
Hi Ramalingam Sir, Very fond of your guidance. I`ve invested in ICICI Prudential Guranteed Income Plan with PPT of 10 Years & Policy Term is 11 Years. The Yearly Premium is 5 lakhs with Guaranteed Early Income i.e which started from 2nd year onwards is 1.19 Lacs. After 11th year Guaranteed Yearly Income will be 6.38 Lacs. I started this Policy in 2022. Very soon I realized that this is not worth of investing my money. I decided to stop Premium after 2 years which made my Policy as Paid up status which means all benefits are reduced but Policy is Active. I changed myself as I did mistakes in Past (by taking this policy) and now I read each clause very carefully. Now in this case If i surrender, the Surrender value is calculated based on Guaranteed factor X Total premium paid - Income already Paid. Now currently Surrender value is 2.9 Lacs as GV factor is 50%. This factor will improve Gradually with time and by 9th year it will went to 90%. I want to Surrender but now will incur heavy loss (approx. 4.8 lacs) ( to me while in 9th year at least I`ll get 90% of my Premiums back. So pl. advice what is right approach as when should i think for Surrender. As of now by God grace I`m not in any financial emergency. Further is my understanding correct that SV will rise with time. Thanks in advance for your guidance.
Ans: It is very good that you have started reading your policy papers so closely now. Most people do not take the time to understand the fine print, but you have already taken a big step by identifying that this plan does not match your long-term goals. Your ability to stop the premium early shows you are now in control of your money.

» Understanding your paid-up policy and surrender value

Your understanding of how the Surrender Value (SV) works is mostly right. In these types of plans, the Guaranteed Surrender Value factor does go up as the years pass. However, there is a catch. While the percentage factor increases, the insurance company also deducts the income they have already paid out to you from the final amount. Even if you wait until the 9th year to get 90% of your premiums back, you are losing out on the "time value" of that money. Money sitting in a low-yield environment for nine years loses its buying power because of inflation.

» The math behind surrendering now versus later

If you surrender today, you take a big loss of Rs. 4.8 lakhs. This feels painful. But if you keep the money locked in just to avoid the loss, you are essentially letting the company hold your remaining Rs. 2.9 lakhs for several more years at a very low return. A 360-degree view suggests that if you take the money out now and put it into a productive asset like a diversified portfolio of actively managed mutual funds, that money can work much harder for you. Actively managed funds are great because a professional fund manager chooses the best stocks to beat the market, unlike other options that just follow a fixed list.

» Why regular funds and expert guidance matter

Since you mentioned you want to be careful now, it is better to invest through regular plans with the help of a Certified Financial Planner. Many people think direct funds are better because of lower fees, but they often end up making emotional mistakes or picking the wrong funds without a guide. A regular plan gives you access to professional advice and periodic reviews, which ensures you stay on track. This expert support is worth much more than the small cost difference, especially when you are trying to recover from a past investment mistake.

» Opportunity cost and your next steps

Since you do not have a financial emergency, you have a great chance to build wealth. Instead of waiting years just to get your original 5 lakhs back, you can take what is left and start a Systematic Investment Plan (SIP). Over the next seven to eight years, a well-managed equity fund could potentially grow that small amount into something much larger than what the insurance policy would ever pay. The loss you take today is the "fees" for a valuable lesson, but staying in the plan is a continuous cost.

» Tax rules to keep in mind

When you move your money to equity mutual funds, remember the tax rules. If you hold your investment for more than a year, it is called Long Term Capital Gain (LTCG). Any profit above Rs. 1.25 lakh is taxed at 12.5%. If you sell before one year, the profit is taxed at 20%. This is still very efficient compared to many other products.

» Finally

The best approach is usually to exit such low-yield insurance-cum-investment plans as soon as possible. Since your policy is already paid-up, it is not eating new money, but it is wasting your old money. Surrendering now and moving the funds into actively managed mutual funds through a regular plan will likely put you in a much stronger position by the 11th year compared to waiting for the policy to mature.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Jul 09, 2026
Career
I have taken a 12th-grade drop year, and this year I have to take admission. But my parents are not supporting me. Last year also, because of all these issues, my admission got delayed, and this year again, no one in my family is taking it seriously. They don't allow me to meet anyone or even go outside the house. They don't even let me go to the terrace. They keep saying, "Whatever you want to achieve, do it from home. People who really want to succeed can do it from anywhere." I don't have any problem studying from home. In fact, after my drop year, I started preparing for CA, and everything was going well initially. But after a few months, my mother started taking away my phone. She wouldn't let me talk to anyone, go outside, or even step onto the terrace. Along with that, there was a lot of mental and emotional abuse. My mother uses extremely abusive and degrading language toward me, and it has become very difficult for me to handle. Because of the constant verbal abuse and emotional stress, I often can't concentrate on my studies. Whenever I study peacefully for two days, the same traumatic cycle starts all over again the next day. This only happens to me in my family. I am the only daughter after my two elder brothers. I can't even share these things with anyone because none of my friends have to go through anything like this. Sometimes, if I simply go to the terrace, my mother starts shouting at me and uses extremely abusive language. Even if I use my phone only for studying, I am not allowed to keep it. I can't even talk to someone to refresh my mind or reduce stress, and I'm not allowed to meet my friends or go outside either. Sometimes, it becomes so overwhelming that I feel like I don't want to live in this house anymore. I feel trapped, emotionally exhausted, and completely isolated. All I want is a peaceful environment where I can study, focus on my future, and live with basic freedom and dignity.
Ans: Hi!!

I want you to understand that your desire to study, build a career and have some basic freedom is absolutely justified. You are not asking for too much. You are asking for an environment where you can concentrate on your studies, take decisions about your future and live with dignity.

From what you have shared, I feel your problem is not your ability to study or your willingness to work hard. You have already proved that you can prepare for CA and stay focused when things are going well. The real concern here is the environment in which you are expected to study.

You really need to understand that a peaceful mind is essential for effective learning. When you are constantly exposed to shouting, abusive language and emotional stress, it becomes difficult to concentrate, regardless of how determined you are to succeed. So please don't blame yourself for struggling with your studies. You are trying to focus on your future while simultaneously dealing with a very distressing situation at home.
Having said that, I would like you to think about something important. Your education and your future cannot remain on hold because of the circumstances you are facing today. You have already lost valuable time because of delays in admission, and I don't want you to lose another year waiting for things to improve on their own.
You need support, and you need to take practical steps towards securing your future.
First, identify a trusted adult who can understand your situation and help you. It could be a relative, a teacher, a former school counsellor or another responsible person you feel comfortable approaching. Please don't assume that nobody will understand you simply because your friends may not be experiencing the same difficulties. You don't have to deal with this alone.

Second, make your admission a priority. Find out the courses available to you, the eligibility requirements, the deadlines and the documents you need. If you cannot manage the process independently, seek help from a trusted adult who can guide you. You need a concrete plan rather than being caught in the same cycle of conflict and uncertainty.

Third, please understand that respecting your parents does not mean accepting abusive behaviour as something you deserve. You can love your family and still recognise that certain words and behaviours are hurting you. You don't have to fight or argue with your mother to prove your point. When things become heated, try to avoid escalating the situation and prioritise your emotional and physical safety.

And finally, please don't isolate yourself emotionally. You need someone with whom you can talk openly, someone who can listen without judging you. If the situation at home continues to feel unbearable, a counsellor or a trusted adult outside the family can help you work through it and explore safe options.

Remember, this difficult phase of your life does not define your future. You have ambitions, you want to study, and you want to become independent. Hold on to those goals, but don't feel that you have to achieve everything through sheer willpower while dealing with this distress alone.

Your future matters. Your mental well-being matters. And you deserve to live with dignity.

I would like to ask you two important questions -
* First, are you physically safe at home, or has the abuse ever become physical?
*Second, is there any trusted relative, teacher or other adult who could help you with your admission process?
I am asking because I want you to have advice that is practical for your situation, not just words of encouragement

Tc ! Best wishes always..

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I studied in an English-medium school, but during school and college most of my friends and even teachers were more comfortable speaking Hindi, so that became my natural communication language. Now after many years, I work in an office where English is used much more regularly. I can understand English and I can write basic things, but when I have to speak suddenly, I sometimes struggle to find the right words. Even for a simple question to a colleague, I first rehearse the sentence in my mind two or three times before saying it. If someone suddenly asks me something in English, I sometimes fumble even though I know what I want to say. I also depend quite a lot on ChatGPT to help me frame emails, messages and sometimes even replies because I worry about making grammar mistakes or sounding less professional. Recently, a new girl joined our office who speaks very confidently in English and seems more comfortable talking to people who are also very fluent or part of what feels like an ‘elite’ group. She does speak with us, but not as much, and sometimes I become more conscious about my own English when I see how naturally she communicates. I know everyone has a different communication style, but this has made me wonder whether my lack of fluency is affecting how people perceive me at work. How can I improve my spoken English and workplace communication so that I can speak spontaneously and confidently without mentally preparing every sentence first?
Ans: Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you Hi!!!
First of all, you need to understand that being fluent in English does not necessarily mean being a good communicator. Communication is about how effectively you express your thoughts, ideas and feelings, and not merely about the language you speak.
From what you have shared, I feel your problem is not that you don't know English, but that you have become conscious of your English. The more you worry about making grammatical mistakes or using the wrong words, the more you hold yourself back. And the more you hold yourself back, the less opportunity you give yourself to become fluent.
You really need to ask yourself this question: Am I more concerned about communicating my thoughts, or about how people will judge my English? The moment you start worrying about the latter, you shift your focus from what you want to say to how you should say it. That is where the hesitation begins.
Remember, you don't have to speak perfect English to communicate confidently. You need to be clear, comfortable and willing to express yourself. Even people who speak English very fluently make grammatical mistakes, fumble for words and struggle to articulate their thoughts at times. It is perfectly normal!
So, what do you need to do?
Start speaking in English more often, even when you know your sentences may not be perfect. Don't rehearse every sentence in your mind before speaking. Allow yourself to think and speak at the same time. Initially, you may fumble, pause or use simpler words, but that is absolutely fine. Fluency comes with practice, not with the constant fear of making mistakes.
Make English a part of your everyday life. Speak to your colleagues in English, participate in conversations, share your opinions in meetings and practise expressing your thoughts aloud. Read aloud, listen to good English speakers and try summarising what you have read or heard in your own words. These small, consistent efforts will help you develop greater spontaneity and confidence.
And about using ChatGPT to frame your emails and messages — there is absolutely nothing wrong with using a tool to improve your communication. However, don't let the tool become a substitute for your own ability to think and express yourself. Try drafting your message first, and then use ChatGPT to refine it. Observe the changes, understand why they were made and gradually incorporate those learnings into your own communication.
As far as the new girl in your office is concerned, please don't allow her fluency to become a yardstick against which you measure yourself. She may be more comfortable speaking English, but that does not make her more intelligent, more capable or a better professional than you. Everyone has a different background, different experiences and a different starting point.
Stop comparing, start practising and, most importantly, stop underestimating yourself.
You have already identified what you need to improve, and that is the first step towards change. Now, give yourself the opportunity to work on it without being overly critical of yourself.
Remember, the objective is not to impress people with your English. It is to express yourself with confidence, clarity and conviction.
When you stop trying to speak perfect English and start focusing on communicating effectively, you will gradually find your voice!

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Archana

Archana Deshpande  |136 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Oct 09, 2026

Asked by Anonymous - Oct 01, 2026
Career
I recently received feedback at work that I should be more assertive. The strange part is that I don’t consider myself shy - I speak when I have something to say and I’m quite comfortable with my colleagues. But the problem comes when I have a different opinion from someone senior. For example, last week during a team meeting, my manager suggested doing something in a particular way. I could clearly see one issue with the approach and had a different suggestion in mind, but when it was my turn to speak, I said something like, ‘Yes, that should be okay, maybe we can try it,’ instead of clearly explaining what I actually felt. Later, I discussed the same point with a colleague and realised I had actually been right about the concern, but by then the decision was already made. This happens with me quite often - I don’t want to sound argumentative or disrespectful, so I automatically soften my words and sometimes end up agreeing even when I genuinely have another opinion. How can I become more assertive in these situations, speak confidently to senior people and put forward a different viewpoint without coming across as rude, aggressive or overconfident?
Ans: Hi!!

*Being assertive does not mean being aggressive or disrespectful* It means expressing your thoughts and feelings confidently and respectfully!

If you hesitate to disagree, consider whether you fear judgment, offending the person, or challenging their authority! Identifying the cause can help you address it. Respecting someone’s position does not require agreeing with every opinion; your perspective may reveal something they have overlooked.

When you have a concern, pause, organise your thoughts, and state them clearly. For example: *“I understand your approach\. However, I have a concern we may want to consider before proceeding.”” You can be polite without being apologetic and respectful without being submissive.

Practise expressing your views in smaller situations. It may feel uncomfortable at first, but confidence will grow with experience.Trust your judgement and speak up when your input matters. You can disagree with someone without disrespecting them—that is true assertiveness!

Remember assertiveness is about respecting yourself and the other person equally! Understanding that you have as much right to express your opinion as the other person .

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m facing a small but recurring issue with my wife when it comes to money. I’m naturally more of a saving person—I like keeping some money aside for future expenses, emergencies, children’s needs and other things that may come up unexpectedly. My wife, on the other hand, feels that if we can comfortably afford something now, there is no point in always postponing it just to save more. It’s not that either of us is irresponsible with money, and thankfully we don’t have any major financial problems, but this difference in our thinking keeps coming up every few weeks. Sometimes it starts with something as simple as buying something for the house or planning a holiday and then turns into a discussion about our overall spending habits. I don’t want her to feel that I’m controlling how she spends her money, and at the same time, I don’t want to feel guilty for wanting to save. How can couples with very different financial habits find a middle ground and decide together how much to spend, save and keep aside for the future without making money become a regular source of tension in the marriage?
Ans: Hello sir. I hope you are in good health. Coming to your question, financial management remains a little sensitive topic specially when both members are earning.
You both have different habits and different thinking in terms of financial management and I think both are correct. The only thing with which the things can be sorted out is that you both sit and discuss and mutually come to a specific percentage of income which should be saved and which should be kept aside for holidays or for home fund. This way you both will clearly know and then you will not have problem in spending or saving.
I hope this solves your problem.
All the best..take care !!

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Dr Upneet

Dr Upneet Kaur  |86 Answers  |Ask -

Marriage counsellor - Answered on Oct 09, 2026

Asked by Anonymous - Sep 28, 2026
Relationship
I’m a little confused about how I should handle situations involving my husband and his parents. Whenever they have an argument or disagreement, I usually prefer to stay quiet because I feel that if I get involved, the situation could become even more complicated. I don’t want his parents to feel that I’m trying to create a distance between them, and I also don’t want to say something in the heat of the moment that I may regret later. But after the argument is over, my husband sometimes tells me that he expected me to support him because I’m his wife. From my point of view, supporting him doesn’t necessarily mean agreeing with him or taking his side every time, especially when I don’t know the complete context of their disagreement. At the same time, I can understand why he may feel hurt if he thinks I’m simply standing by and watching when he needs me. How should to handle these situations when disagreements with in-laws keep creating tension in the marriage? Is there a healthy way for a spouse to show support without automatically taking sides or disrespecting the other family members?
Ans: Hello mam. I hope you are in good health.
Well, coming to your question, you can definitely take your partner's side by understanding the things on which the disagreements happen. For example you disagree with your partner at a specific point of time, in public you should try to calm the situation and take his side if possible but after that in private you can share your opinion and correct him if he is wrong somewhere. This way he ll feel that yes you support him but on the other hand he ll also realize that where he went wrong. Probably the situations will get better with this.
I really appreciate your nature that you don't want to disrespect other family members. Its very good and shows your upbringing and your intent of maintaining relationships.
Keep it up...take care !!

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Ramalingam

Ramalingam Kalirajan  |11482 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2026

Money
Hi ..I have registered a app called finsolalgo They told I got allocation for ipo which I kept 1 lac prev but they asked I need to pay 6lac ...which I couldn't pay...now they blocked my one lac saying as I didn't pay full allocation my amount blocked for 3 months but am not getting fater 3 months who will release my funds and all am feeling bad to believe them...now wat should I do ...finsolalgo is this company registered with sebi when I asked they told s we registered we have ruled and regulations ...that's y blocked like that ..wat should I do now
Ans: It is good that you have stopped and are checking this before paying another Rs.6 lakh.

Based on what you have described, I would be very cautious. The process you were told about does not look like the normal IPO application process.

» How a genuine IPO application normally works

In a normal IPO, the application money is blocked in your own bank account through ASBA or an approved UPI mandate.

If shares are allotted, the required amount is debited.

The remaining blocked amount is released after the allotment process. SEBI describes this process clearly.

A company or app normally cannot simply say:

– You paid Rs.1 lakh.

– You received an allocation of Rs.7 lakh.

– You must arrange another Rs.6 lakh.

– Otherwise your original Rs.1 lakh will remain blocked for 3 months.

That is a major point requiring verification.

» About the Rs.1 lakh being blocked

First check where exactly the Rs.1 lakh is blocked.

If it is genuinely blocked in your own bank account under an IPO ASBA/UPI mandate, contact your bank immediately and ask:

– Who has placed the mandate?

– What is the IPO name?

– Who is the sponsor bank?

– What is the application number?

– What is the registrar's name?

– What is the UPI mandate reference?

Do not depend only on what the FinsolAlgo app or its representatives are telling you.

If the money was actually transferred to a bank account controlled by the app/company/person, the situation is more serious. Do not send the additional Rs.6 lakh merely to release the earlier Rs.1 lakh.

» Is FinsolAlgo SEBI registered?

I checked the SEBI recognised-intermediary information available currently.

I could not verify a SEBI registration under the name "FinsolAlgo" from the information available to me.

This does not by itself prove that the entity is fraudulent. The legal entity name may be different from the app or trade name.

So ask them for:

– Exact legal company name.

– SEBI registration number.

– Category of SEBI registration.

– Registered office address.

– Name of the stock broker/intermediary handling the IPO application.

Then independently verify these details on SEBI's recognised intermediary records. SEBI maintains a searchable list of registered intermediaries.

Do not accept a statement such as "we are SEBI registered and we have our own rules" as proof.

» What you should do now

I would suggest these steps in this order:

– Do NOT pay the additional Rs.6 lakh.

– Do NOT pay any "release fee", "penalty", "tax", "processing charge" or similar amount.

– Do NOT share your OTP, UPI PIN, bank password or other banking credentials.

– Take screenshots of the entire conversation with FinsolAlgo.

– Save the payment receipt for the Rs.1 lakh.

– Save the IPO allocation message and all documents they provided.

– Contact your bank directly through its official customer-care channel.

– Ask the bank whether there is actually an IPO-related ASBA/UPI block on your Rs.1 lakh.

– If the bank confirms that no genuine IPO mandate exists, immediately inform the bank that you suspect an unauthorised or potentially fraudulent transaction.

– If money has already gone to another bank account, inform your bank immediately and ask about the appropriate fraud-reporting process.

» Do not wait for three months

I would not simply wait for three months based on their verbal assurance.

If this is a genuine IPO, there should be proper documentation and an identifiable IPO process.

There should also be a recognised intermediary, sponsor bank, registrar and application details.

The normal IPO process does not depend merely on an app telling you that your money will be released after three months. SEBI's own explanation says that funds are blocked for the IPO process and are subsequently debited or unblocked based on allotment.

» My assessment

The requirement to arrange another Rs.6 lakh after supposedly getting a Rs.7 lakh allocation is the biggest concern here.

Please do not try to recover the Rs.1 lakh by paying another Rs.6 lakh.

That can increase your exposure substantially.

Your immediate priority should be to establish where the Rs.1 lakh actually sits and whether there is a genuine IPO mandate.

If you share the exact message received from FinsolAlgo about the Rs.7 lakh allocation and the Rs.6 lakh payment, I can examine the wording and tell you which parts look normal and which parts are red flags.

Best Regards,

K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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Dr Nagarajan J S K

Dr Nagarajan J S K   |3317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Oct 08, 2026

Career
I am a student and NEET aspirant. I appeared for Class 10 in 2024 and passed Class 10 in 2024. I completed and passed Class 12 in 2026. I also appeared for NEET (UG) 2026, including the re-examination, but unfortunately I could not qualify for admission. My Class 12 marks are relatively low, although I have successfully passed Class 12 in 2026. Therefore, I am considering appearing for the Class 12 Improvement Examination in 2027 to improve my marks. I would like to kindly ask for clarification regarding the following: Since I have already passed Class 12 in 2026, am I eligible to appear for the Class 12 Improvement Examination in 2027? If I improve my Class 12 marks in 2027, will I remain eligible to appear for NEET (UG) 2027? Will appearing for the Class 12 Improvement Examination in 2027 create any issue during NEET counselling or MBBS admission if I qualify NEET 2027? Will my one-year gap after Class 12 (2026–2027), due to preparing for NEET, cause any problem in NEET eligibility or during MBBS admission? If improvement is permitted, which Class 12 marks/marksheet would be considered for NEET 2027 eligibility and admission?
Ans: HI ALAM,
GREETINGS FROM THE REDIFFGURUS!
The Advantages of NEET:

* NO UPPER AGE LIMIT
* UNLIMITED ATTEMPTS for HSC
* UNLIMITED ATTEMPTS FOR NEET
* A MINIMUM AGGREGATE PERCENTAGE OF 50% (varying by category) IS SUFFICIENT TO QUALIFY FOR NEET (except for AIIMS)
* ASPIRANTS CAN PRESENT DIFFERENT BOARD EXAM MARK SHEETS.

Due to these factors, the number of NEET aspirants is higher compared to other exams.

If you have the required marks to appear for NEET, you can proceed with your preparation. As you mentioned that your HSC marks are low (specifics not disclosed), focus on strengthening your weak subjects to help you achieve your goal. Simply aiming for improvement is not enough; you need to make significant progress.

You are planning to take the improvement exam for your marks. While preparing for this, it is essential to enhance your understanding of the subjects that are also relevant for NEET. There is a possibility that you might achieve the same level of marks you previously obtained in HSC if you do not make substantial improvements. Therefore, concentrate on honing the subjects necessary for NEET as well.

BEST WISHES.

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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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