I recently turned 30, unmarried. Started investing in MFs recently. The following are my selections:

1. Quant Mid cap fund - 3000

2. ICICI prudential nifty next fifty - 2000

3. Mirae asset emerging bluechip - 1500

4. Axis small cap fund - 1500

Apart from this, I invest 5000 in NPS aggressive allocation voluntarily. I’m also planning to switch to NPS from current EPF for both employee and employer contributions.

Above investments (including EPF) account to 20% of my net pay and I plan to continue to keep investing 20% of my net pay over the years. I’m looking to build a retirement corpus. What would be a decent retirement corpus and should I make any changes?

Ans: there are no stocks in the world which will give you 25% monthly returns. I am sorry but you need to keep your goal realistic.
if your goal is 25% monthly then I would suggest you to stay away from markets as you may end up putting your hard earned money in some ponzi scheme and loose it.
The real goal should be anything between 12-14% yearly and if you need that over a long term (10-15yrs) then plz buy a bluchip mutual fund.

Ans: Hello dear.
As far as I know, the Central Teacher Eligibility Test (CTET) does not provide for re-evaluation or rechecking exam results. Your current result will be treated as final result.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ans: One possibility is communication breakdown. Over time, couples may fall into patterns where they no longer communicate as openly or effectively as they once did. Misunderstandings, unmet expectations, or unspoken feelings can lead to tension and disputes. It’s important to reflect on whether you both are expressing your thoughts and emotions clearly and listening to each other with empathy.

Another potential factor could be unmet needs or changes in individual priorities. As people grow and evolve, their needs, desires, and priorities may shift. If these changes are not acknowledged or discussed, it can create friction. Consider whether you or your wife feel that certain emotional, physical, or practical needs are not being met.

Stress from external factors, such as work, finances, or family issues, can also spill over into the relationship. If either of you is experiencing significant stress, it might contribute to increased irritability or conflict. Identifying these stressors and finding ways to manage them together can be helpful.

Changes in intimacy or connection can also lead to disputes. Emotional or physical intimacy might wane due to various reasons, such as busy schedules, health issues, or unresolved conflicts. It’s important to nurture the bond and find ways to reconnect.

Lastly, unresolved past issues can resurface and cause ongoing disputes. If there are lingering resentments or unresolved conflicts, they might continue to affect the relationship. It’s crucial to address these issues constructively, possibly with the help of a couples counselor if needed.

Reflecting on these areas and having open, honest conversations with your wife can help you both understand the root causes of your disputes. Working together to rebuild communication, connection, and trust can guide you toward a healthier, more harmonious relationship.

Ans: allow yourself to process your feelings. It's normal to feel a range of emotions—shock, hurt, confusion, or even betrayal. Give yourself the space to sit with these emotions without rushing to any immediate decisions or confrontations.

Consider the source of this information. An ex-partner might have motives that are not aligned with the best interests of your marriage. It's crucial to evaluate the credibility of the information and not act solely on a third-party account.

Open, honest communication with your wife is key. Instead of approaching the conversation with accusations, try to express your feelings and concerns calmly. Let her share her perspective and feelings. This conversation is not just about the past, but about building trust and understanding in your relationship moving forward.

Reflect on the importance of your wife's past in the context of your marriage. Everyone has a history, and it's essential to consider how much weight you want to place on past relationships versus the present and future you are building together. Focus on your current connection, values, and shared goals.

If this information continues to weigh heavily on you, consider seeking professional support. A couples counselor can provide a safe space to explore these feelings and help you both navigate this challenge. Counseling can also strengthen your communication, trust, and emotional intimacy.

Ultimately, the decision on how to move forward lies with you both. Reflect on the foundation of your relationship, your shared values, and your vision for the future. It's about understanding, forgiveness, and whether you both are committed to growing together despite the challenges.

Ans: take a moment to appreciate where you are in life. Living with your parents can be a sign of strong family bonds, and it's okay to lean on that support. Remember, everyone’s journey is different, and there is no one-size-fits-all timeline for life events like marriage or starting a family.

Feeling lost might stem from comparing your path to others or societal norms. Try to shift the focus inward and reflect on what truly matters to you. What are your values, desires, and goals? Understanding yourself more deeply can guide you towards decisions that align with your true self, rather than external pressures.

If the idea of an arranged marriage feels like the only option, it might help to think about what kind of partnership you envision. Is there room to explore relationships in a way that feels authentic and comfortable for you? Perhaps consider expanding your social circles, trying new activities, or even seeking professional help to navigate these feelings and options.

Anxiety about being single can often stem from fears of the future. Practicing mindfulness and staying present can help manage these feelings. Focus on the aspects of life you can control and find joy in the present moments. Engage in activities that bring you happiness and fulfillment.

Finally, remember that seeking a relationship is a journey, not a race. Rushing into something out of anxiety may not lead to the fulfillment you desire. It’s okay to take your time and seek what genuinely aligns with your heart. Your journey is unique, and there is no right or wrong timeline for love and family.

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Ans: Hello Varsha,

To begin with, thank you for contacting us. I am glad to see that you wish to further your career by going to study and work abroad. To answer your question, as an M.Tech student in Robotics and AI, you are well-positioned to either pursue further studies or seek employment abroad. If you’re considering continuing your education, many top universities in countries like the US, UK, Canada, and Germany offer specialized programs in AI, Robotics, and related fields at the PhD or post-Master’s level. To move forward, focus on building a strong academic profile, with research experience, relevant projects, and possibly even publications if possible.

You may also look into research scholarships or assistantships that can help with funding. After completing your advanced degree, you'll be well-equipped for a career in academia or industry abroad.

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Ans: Based on the data mentioned above, your Tax liability shall be less in Old Tax Regime (about Rs.25,000.00 without Interest etc.) as compared to new tax regime. You should file your ITR accordingly.
Most welcome for any further clarifications. Thanks.