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Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 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
Ashish Question by Ashish on May 01, 2024Hindi
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Is it a right decision for a lumpsum investment in a mutual fund? And if yes, then at present, which mutual fund can give us a good return?

Ans: Indeed, considering a lump sum investment in a mutual fund can be a wise decision, especially when you have a surplus amount available for investment. However, timing and selection are crucial factors to consider.

Before proceeding, ponder on your investment horizon, risk tolerance, and financial goals. Then, research mutual funds known for consistent performance and aligning with your investment objectives. Remember, past performance doesn't guarantee future results, but it can offer insights into a fund's track record.

While I can't provide specific recommendations, consider funds with a strong history of delivering competitive returns over the long term. Look for those managed by reputable fund houses with a proven track record of investment expertise and transparency.

Ultimately, consult with a Certified Financial Planner to tailor an investment strategy that aligns with your unique circumstances and aspirations. With careful consideration and guidance, you're poised to make informed decisions that pave the way for financial growth and security.
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  |6995 Answers  |Ask -

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

Money
Is lumpsum investment is good investment too in mutual fund
Ans: Understanding Lumpsum Investment in Mutual Funds

Investing in mutual funds is a popular strategy for growing wealth. Among the various investment methods, lumpsum investment stands out. Let's explore whether it's a good strategy.

What is Lumpsum Investment?
Lumpsum investment involves putting a large amount of money into a mutual fund at one go. This approach contrasts with Systematic Investment Plans (SIPs), where you invest smaller amounts regularly.

Benefits of Lumpsum Investment
Potential for Higher Returns:

Investing a large sum can yield higher returns if the market performs well after your investment. You can gain significantly in a rising market.

Convenience:

Lumpsum investments are convenient. You invest once and don't need to keep track of regular payments.

Ideal for Windfalls:

If you receive a bonus, inheritance, or other windfall, a lumpsum investment can be a good way to put that money to work.

Risks of Lumpsum Investment
Market Timing Risk:

Lumpsum investing carries the risk of market timing. If you invest just before a market downturn, your investment can lose value.

Market Volatility:

The stock market is volatile. A large investment can be impacted by sudden market fluctuations.

Emotional Stress:

Investing a large amount at once can be stressful, especially if the market is unstable. Watching your investment's value drop can be disheartening.

Lumpsum vs. SIP: A Comparison
Market Conditions:

SIPs work well in volatile markets. They allow you to average the purchase cost of units. Lumpsum investments can be more beneficial in a bullish market.

Investment Discipline:

SIPs enforce a disciplined investment approach. Lumpsum investments require more market knowledge and timing.

Risk Management:

SIPs spread risk over time. Lumpsum investments concentrate risk at one point in time.

Strategic Lumpsum Investment
Market Analysis:

Understand the market conditions before investing. Investing in a bullish market can maximize gains.

Diversification:

Diversify your lumpsum investment across various mutual funds. It helps spread risk and increases potential returns.

Professional Guidance:

Seek advice from a Certified Financial Planner. They can provide insights and strategies tailored to your financial goals.

Systematic Transfer Plan (STP): An Alternative
What is STP?

A Systematic Transfer Plan (STP) allows you to transfer a fixed amount from one mutual fund to another at regular intervals. It combines the benefits of lumpsum and SIP investments.

Benefits of STP:

Risk Mitigation:

STP mitigates the risk of market timing. It spreads the investment over time, reducing the impact of market volatility.

Regular Investment:

Like SIPs, STP ensures regular investment. It helps in averaging the purchase cost of units over time.

Ideal for Lumpsum Amounts:

STP is ideal for investing a large amount without the risk of timing the market incorrectly. It provides a balanced approach.

When is Lumpsum Investment Suitable?
In a Down Market:

Lumpsum investment can be beneficial in a down market. Buying at lower prices can yield significant gains when the market recovers.

Switching Between Equity Funds:

When moving money from one equity fund to another, lumpsum investment is appropriate. It allows you to maintain your market exposure.

Small Additional Investments:

Lumpsum is suitable for small additional purchases of 2-3% of your overall equity portfolio. It enhances your existing investment without substantial risk.

Advantages of Actively Managed Funds
Professional Management:

Actively managed funds are overseen by professional fund managers. They aim to outperform the market by making strategic investment decisions.

Research and Expertise:

Fund managers conduct extensive research. They have the expertise to identify high-potential investment opportunities.

Flexibility:

Actively managed funds can adapt to market changes. Fund managers can reallocate assets to mitigate risks and enhance returns.

Disadvantages of Index Funds
Limited Flexibility:

Index funds track a specific index. They don't adapt to market changes, which can limit their performance in volatile markets.

No Active Management:

Index funds lack active management. They don't benefit from the expertise of professional fund managers.

Market Performance Dependency:

Index funds depend on the performance of the underlying index. If the index performs poorly, so does the fund.

Benefits of Regular Funds Over Direct Funds
Advisor Support:

Regular funds offer support from Certified Financial Planners. They provide valuable advice and insights for informed investment decisions.

Better Accessibility:

Regular funds are more accessible. Investors can easily reach out to advisors for assistance and information.

Holistic Financial Planning:

Investing through regular funds ensures a holistic financial planning approach. Advisors help align investments with overall financial goals.


Investing a large amount can be daunting. It's natural to feel anxious about market performance and potential risks. Remember, every investment carries some risk, but with the right strategies and guidance, you can make informed decisions.


You're taking a significant step towards securing your financial future by considering mutual fund investments. It shows your commitment to growing your wealth and achieving your financial goals.


We understand that lumpsum investment decisions can be overwhelming. It's crucial to weigh the pros and cons, consider market conditions, and seek professional guidance.


Final Insights
Lumpsum investment in mutual funds can be a good strategy for wealth growth. It offers the potential for high returns, especially in bullish markets. However, it also carries risks like market timing and volatility. Diversification and professional guidance can help mitigate these risks. Remember, investing is a journey, and making informed decisions is key to achieving your financial goals.

When to Use Lumpsum Investment:

During Market Corrections:
When the market is down, investing a lumpsum can be wise. You can buy more units at lower prices and benefit from the eventual recovery.

Switching Equity Funds:
When transferring money from one equity fund to another, a lumpsum investment maintains your market exposure without gaps.

Small Additional Investments:
Adding a small amount (2-3% of your portfolio) as a lumpsum can be a good strategy. It allows you to enhance your investment without significant risk.

Using STP for Better Investment:

A Systematic Transfer Plan (STP) can be a balanced approach when you receive a large sum. It allows you to transfer funds gradually from a debt fund to an equity fund. This method reduces market timing risk and provides the benefits of regular investment.

Mitigating Risk:
STP spreads your investment over time, reducing the impact of market volatility.

Cost Averaging:
Like SIPs, STP averages the purchase cost of units, helping you navigate market fluctuations.

Flexibility:
STP offers the flexibility to adjust the transfer amount and frequency according to market conditions.

Summary
Lumpsum investment in mutual funds can be advantageous if done with careful planning and market understanding. It can yield high returns in favorable market conditions but also carries risks. Diversification, professional guidance, and using strategies like STP can help mitigate these risks and enhance potential returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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I have invested 10L in Mutual Fund through Lumpsum mode. The 4 schemes which I have invested in are PPFAS FLEXI CAP REG-G (2.5L), ICICI PRU equity & Debt-G (2.2L), ICICI PRU Large & Mid Cap-G (2.2L), SBI long term Equity Reg-G (2L), SBI contra -G (1.10L). Investment objective is long term wealth creation and time frame is 15 years. Kindly Suggest if choice of funds is good and what could be potential return.
Ans: Let's review your mutual fund choices and assess their suitability for your long-term wealth creation goal.

Current Investment Overview
Total Investment: Rs 10 lakhs
Investment Mode: Lumpsum
Time Frame: 15 years
Fund Allocation
PPFAS Flexi Cap Reg-G: Rs 2.5 lakhs
ICICI Pru Equity & Debt-G: Rs 2.2 lakhs
ICICI Pru Large & Mid Cap-G: Rs 2.2 lakhs
SBI Long Term Equity Reg-G: Rs 2 lakhs
SBI Contra-G: Rs 1.1 lakhs
Evaluation of Fund Choices
PPFAS Flexi Cap Reg-G
Flexibility: Invests across market capitalizations and sectors.
Potential: Good for capturing diverse market opportunities.
Long-Term Suitability: Suitable for long-term wealth creation.
ICICI Pru Equity & Debt-G
Balanced Approach: Mix of equity and debt.
Stability: Provides a cushion against market volatility.
Long-Term Suitability: Suitable for balancing risk and returns.
ICICI Pru Large & Mid Cap-G
Growth Potential: Invests in large and mid-cap companies.
Risk-Return Balance: Good for capturing growth in established and growing companies.
Long-Term Suitability: Suitable for long-term capital appreciation.
SBI Long Term Equity Reg-G
ELSS Fund: Offers tax benefits under Section 80C.
Equity Focus: High equity exposure for potential high returns.
Long-Term Suitability: Suitable for long-term wealth creation with tax benefits.
SBI Contra-G
Contrarian Strategy: Invests in undervalued stocks.
Potential: Can yield high returns if the strategy pays off.
Long-Term Suitability: Suitable for long-term investors willing to take higher risks.
Potential Returns
Assuming an average conservative annual return of 10-12% for a diversified portfolio, your potential return over 15 years could be significant. However, mutual funds are subject to market risks, and actual returns may vary.

Recommendations
Diversification: Your portfolio is well-diversified across different fund types and strategies, which is good for risk management.

Fund Performance Review: Regularly review the performance of your funds. Consider reallocating if any fund consistently underperforms its benchmark.

Stay Invested: For long-term wealth creation, stay invested for the entire 15-year period to benefit from compounding.

Avoid Index Funds: Actively managed funds like yours can potentially offer better returns than index funds.

Additional Considerations
Regular Monitoring: Keep an eye on your portfolio and the market trends.
Certified Financial Planner: Consult a Certified Financial Planner for personalized advice and adjustments.
Final Insights
Balanced Portfolio: Your fund choices provide a good mix of growth, stability, and potential tax benefits.
Long-Term Focus: Stay focused on your long-term goal and avoid frequent changes based on short-term market fluctuations.
Potential for Growth: With disciplined investing and regular monitoring, your portfolio has the potential to achieve significant growth over 15 years.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |6995 Answers  |Ask -

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1033 Answers  |Ask -

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

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

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

Radheshyam

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Ravi

Ravi Mittal  |402 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2024

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

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

Best Wishes

...Read more

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |121 Answers  |Ask -

Physiotherapist - Answered on Nov 08, 2024

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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