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Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Nov 06, 2023

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more

Question by vikas on Oct 16, 2023Hindi

Money

si i want to invest in hscl please guide me

Ans: there are better options in the market. Stick to higher quality

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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How to I find Invester, how will invest MIS scheme....

Ans: Please elaborate

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Mutual Funds, Financial Planning Expert - Answered on Aug 28, 2024

Question by Manas - Aug 20, 2024Hindi

Money

I am 59 years now. I want to invest SWP MF. Please guide

Ans: At 59, it’s wise to seek a steady income source.

SWP (Systematic Withdrawal Plan) is an ideal option.

It helps you withdraw a fixed amount monthly from mutual funds.

SWP can provide regular income without eroding your capital much.

Choosing the Right Mutual Fund for SWP
Hybrid Funds: A mix of equity and debt for balance.

Equity-Oriented Funds: For growth if you can handle moderate risk.

Debt-Oriented Funds: Safer option, lesser risk, but lower returns.

Benefits of SWP Over Other Options
Tax Efficiency: SWP is more tax-efficient than fixed deposits.

Regular Income: Provides monthly income, good for retirees.

Flexibility: You can adjust withdrawal amounts as needed.

Capital Preservation: Carefully planned SWP ensures your principal lasts longer.

Structuring Your SWP Plan
Assess Monthly Needs: Determine how much income you need.

Select Fund Type: Choose a fund based on your risk appetite.

Withdrawal Amount: Decide the amount you wish to withdraw monthly.

Start Small: Begin with a conservative amount, then adjust as needed.

Risks and Mitigations
Market Volatility: Equity funds can be volatile. Balance with debt funds.

Inflation Risk: Ensure your withdrawals keep pace with inflation.

Capital Erosion: Monitor your SWP regularly to avoid depleting capital too soon.

Importance of Diversification
Avoid Concentration: Don’t put all your money into one fund.

Diversify Across Asset Classes: Spread across equity, debt, and hybrid funds.

Periodic Review: Regularly review your portfolio to ensure it’s aligned with goals.

Tax Implications to Consider
Capital Gains Tax: Withdrawals from equity funds may attract capital gains tax.

Debt Fund Taxation: Debt fund withdrawals have different tax rules.

Tax Planning: Work with a Certified Financial Planner (CFP) to minimize tax impact.

Long-Term Considerations
Inflation Adjustment: Factor in inflation when planning your SWP.

Longevity Risk: Plan your withdrawals so your capital lasts your lifetime.

Estate Planning: Consider how your investments will be passed to heirs.

Steps to Implement SWP
Determine Your Monthly Requirement: Identify how much you need to withdraw monthly.

Choose a Suitable Fund: Select funds based on your risk tolerance and financial goals.

Start the SWP: Set up the SWP with your mutual fund provider.

Regular Monitoring: Regularly check the performance of your funds and adjust withdrawals if necessary.

Consult a CFP: Work with a Certified Financial Planner to fine-tune your strategy.

Final Insights
SWP is a Reliable Income Source: It provides you with regular income while preserving your capital.

Diversification is Key: Spread your investments across various funds to balance risk and returns.

Continuous Monitoring: Regularly review your SWP and make adjustments as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Pushpa R |37 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Dec 27, 2024

Question by RJT - Dec 26, 2024Hindi

Health

I HAVE CONSTIPACATION PROBLEM WICH AASAN RELIVE FROM THIS PROBLEM

Ans: Constipation can be uncomfortable, but yoga is an excellent way to stimulate digestion and relieve this issue. Here are some simple asanas you can try regularly to help improve bowel movements:

1. Pavanamuktasana (Wind-Relieving Pose)
Lie on your back and bring one knee to your chest, holding it with your hands.
Press your knee gently into your abdomen while keeping the other leg straight.
Switch legs and repeat, or do both knees together.
This pose massages your abdominal organs and promotes digestion.
2. Marjaryasana-Bitilasana (Cat-Cow Pose)
Begin on all fours.
As you inhale, arch your back (Cow Pose) and look up.
As you exhale, round your back (Cat Pose) and tuck your chin to your chest.
Repeat slowly for 8-10 breaths to massage your digestive organs and improve gut motility.
3. Malasana (Garland Pose)
Squat down with your feet wide apart and palms together at your chest.
Keep your spine straight and hold this pose for a few breaths.
This pose helps open up the pelvic area, aiding digestion and elimination.
4. Paschimottanasana (Seated Forward Bend)
Sit with your legs straight and bend forward from your hips, reaching for your toes.
This stretches the abdominal area and stimulates digestion.
Tips:

Drink plenty of water and include fiber-rich foods in your diet.
Practice these poses daily, but avoid forcing your body into any position.
If constipation persists, consult a doctor and consider working with a yoga coach for personalized guidance.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ramalingam Kalirajan |7337 Answers |Ask -Follow

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

Asked by Anonymous - Dec 26, 2024Hindi

Money

What is tha best etf strategy

Ans: Exchange-Traded Funds (ETFs) offer simplicity and low costs, but they have limitations.

ETFs track indices and lack flexibility to outperform in volatile markets.
Active funds provide professional management, aiming for higher returns than the index.
Active Funds Advantage

They can adapt to market trends and sectoral shifts.
Historical data shows active funds often outperform ETFs in the long term.
Regular funds through a Certified Financial Planner ensure expert advice and monitoring.
For wealth creation, actively managed funds are a better choice for a dynamic strategy.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ravi Mittal |475 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 26, 2024

Question by Moumita - Dec 24, 2024Hindi

Relationship

I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.

Ans: Dear Moumita,
It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

Kanchan Rai |447 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 25, 2024

Relationship

Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?

Ans: While it’s commendable that she is honest about her feelings and gives you the freedom to make your choices, it’s equally important to consider whether her values and actions align with what you need in a partner. Relationships thrive when there’s mutual respect, understanding, and agreement on boundaries. If her actions or mindset make you feel undervalued or emotionally unsafe, it’s crucial to reflect on whether this relationship is truly serving your well-being.

The fact that you’ve tried to move on multiple times suggests that there is a deeper discomfort within you about the dynamics between you two. Trust is not just about fidelity; it’s about emotional safety, reliability, and mutual respect. If her behavior consistently makes you question her commitment or your place in her life, that erosion of trust can become difficult to rebuild.

As for her mental and medical challenges, it’s important to approach those with empathy, but also with a clear understanding that you cannot "fix" or "heal" someone unless they are actively seeking and working toward their own well-being. If she has not addressed her mental health or continues behaviors that affect the relationship without taking responsibility, it can lead to ongoing strain for you. Her mental health challenges are not excuses for harmful behavior, nor should they become reasons for you to sacrifice your own emotional health.

You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

If you decide to stay, open communication and possibly couples’ therapy could help bridge the gaps. If you choose to move on, trust that this decision is about prioritizing your well-being and finding a relationship that aligns with your values and needs. Either way, your happiness and emotional health should come first.

Kanchan Rai |447 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Relationship

Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?

Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

Kanchan Rai |447 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Relationship

Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?

Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Question by Junior - Dec 20, 2024Hindi

Health

Hi doc I'm 18years I took emergency contraceptive four days before my period and the four days has reach and going to 8 days I haven't seen my period yet

Ans: Hello! If you have taken emergency contraception
4 days prior to periods,
There are high chances your periods can get delayed.
The morning-after pill, also known as the I-pill, can delay your period by up to one week. However, in rare cases, your period may be delayed for several weeks. If your period is more than a week late, or if it is lighter than usual, you should take a pregnancy test and speak to a doctor.
The I-pill is an emergency contraceptive tablet that contains a synthetic hormone that mimics progesterone. It's not intended to be used as a regular method of birth control.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Health

Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.

Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Question by KHUSHI - Dec 18, 2024

Health

I m 21...i had my last period on 1 oct and had sex on 11 and 12 nov and taken ipill on 13th nov...i didnt get periods yet

Ans: Firstly, period was on 1st October
Taken Ipil on 13 November with intercourse prior 2 days
Kindly get urine pregnancy test done first and foremost
Secondly
Ipills can cause irregular or delayed menses also.
If still no periods in one week with negative urine pregnancy test, visit your gynec and get good usg pelvis and few hormonal tests done.

Dr Nandita Palshetkar |36 Answers |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi

Health

Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.

Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

See more questions »

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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