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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on Jul 24, 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
sanjay Question by sanjay on Jul 18, 2023Hindi
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What is best course or source for knowledge about option trading

Ans: dont recommend options trading. I am a long term investors and I strongly believe wealth can be created with this strategy
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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Dr Upneet

Dr Upneet Kaur  |81 Answers  |Ask -

Marriage counsellor - Answered on Apr 20, 2026

Asked by Anonymous - Apr 01, 2026Hindi
Relationship
I feel invisible in my own marriage. I’m 36 now, and we are married for 8 years with a beautiful daughter. My wife is a great mother, homemaker and manages everything at home, but we have nothing in common. We haven’t had a real conversation or emotional connection in years. Recently, I got emotionally attached to a senior female colleague who actually listened to me. We went out for coffee and there was an instant emotional connection. I don't feel guilty but I am confused. Is this how emotional affairs begin in long-term marriages? Is it wrong to choose a partner who you are emotionally compatible with?
Ans: Hello sir. I hope you are in good health. Marriage is a long term association in which slowly and slowly we get to know about the positives and negatives of a person. We all have two sides. One is romantic and other is the one who handles all the responsibility. Isn't it good that your wife responsibly handles all the household chores along with your kids and takes care of your needs too. May be she is also lost somewhere and is burdened under all responsibilities. I understand that you may have problems and you may not feel the emotional connection between you too.
There are ways to sort out this. Find some common interest that you both enjoy and do such activities. You may talk with your wife at the end of the day and ask her about her day, you can share about your day. You can discuss your future plans.
In previous times extra marital affairs were very less. Because people used to work with each other and work on each other. They never used to give up on each other. That's why the relationships used to last for more than 50 years even.
You can talk to your colleague as a friend. Friends do listen to each other and have emotional connect but having more than that would not be advisable.
I hope you get some light in your mind.
Take care!
Regards
Dr Upneet Kaur
Follow me on: https://www.instagram.com/dr_upneet

...Read more

Anu

Anu Krishna  |1792 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 20, 2026

Asked by Anonymous - Apr 17, 2026Hindi
Relationship
I'm a 53 year old married man living with two sons. In 2020, my wife found that I am having an affair and left for her parent's place. We were never compatible and having children was her choice. I had told her before our marriage that I am not the husband she was hoping me to be. She chose to be a homemaker and insisted on having kids. Before marriage, I had also mentioned to her that I am seeing someone who was going through her own separation, but she said she wanted to marry me for her own freedom. Now she's living with her parents and we have no contact whatsover. We haven't spoken in all these years but she doesn't want to consent to divorce. I have singlehandedly taken care of my sons in these 6 years. She speaks to her sons when they are outside, and they told me she wants them to stay with me because she doesn't want to work or provide for them. I am okay to provide alimony but she doesn't want to sign the divorce papers. My lawyer has tried to speak with her but she wants to stay married so that I can suffer. What kind of punishment is this? What should I do?
Ans: Dear Anonymous,
What can you do about it? If she does not want a divorce and this is a vengeance thing for your affair, the only thing you can do is speak with her. All the stuff that went South needs to be addressed and YES, there will be a point in time where she will expect you apologize. Yes, you did mention to her about how you view marriage BUT you still went ahead and married and had had kids as well. As far as she is concerned, she always was in an ideal marriage while you had your definition for it and both of you lived the relationship in your own ways.
The best is to appeal to her better sense and hope that someday she will see that it is better to separate than stick together.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1792 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 20, 2026

Asked by Anonymous - Apr 14, 2026Hindi
Relationship
My parents are against my divorce. I am married for 17 years but we have been living as stranger for the past 7 years. We had an arranged marriage and we don't get along. Initially I thought it was because we had a 6 year age gap. But most days, it has been rough. No respect from in-laws, constant arguments and fighting. Husband wanted me to stay away for some time but I realised he is just finding grounds for divorce from my end. He doesn't want to give alimony and wants full custody of our 14 year old son. I have mortgaged my gold to buy this 3bhk house but he dismisses my contribution because the house is in his mother's name. She is still alive. My mental peace is destroyed. But i want to do the right thing for us and my son. Anu mam, do you think I should live separate and give up my rights to this house and my son? If he files for divorce will he have a better advantage than me? Please guide what to do.
Ans: Dear Anonymous,
Whether you should make the marriage work or live separately is a decision that is yours to make; what I can suggest is to actually understand and become aware as to what you want in life.
If marriage was always an important thing, then maybe some work in that direction can help which means you may have to as a couple set aside differences and work as a unit to put the marriage back together. This also will require your husband to cooperate and view it as important as you do. So, have a conversation with him without it leading into an argument.
Now, if you choose to go separate how and what will be an advantage is something that only a lawyer will be able to guide you on.
So, as a first step become aware about whether you view marriage as an important structure in your life or not; the rest of the steps will follow from this.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ramalingam

Ramalingam Kalirajan  |11137 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 20, 2026

Money
Is it possible to up load my in vestment in 35 in MF.How to limit the for best returns. How to upload?
Ans: It is very encouraging that you are planning to increase your mutual fund investment to Rs 35 lakh. This shows strong commitment towards long-term wealth creation. With proper structure and category selection, this amount can grow meaningfully over time.

Let me guide you step-by-step on how to invest and how to limit risk for better returns.

» Whether investing Rs 35 lakh in mutual funds is a good idea

Yes, it is possible and suitable to invest Rs 35 lakh in mutual funds.

But important point is:

– do not invest full amount at one time
– invest gradually
– follow proper category allocation
– match investment with your time horizon

Gradual investment improves return stability and reduces market timing risk.

» How to invest Rs 35 lakh properly

Best approach is phased investment using STP method.

Example approach:

– keep amount temporarily in liquid category fund
– transfer monthly into equity category funds
– complete transfer over 6 to 12 months

This protects your investment from market volatility.

» Suggested allocation structure for best long-term returns

A balanced structure helps achieve good growth with controlled risk.

Suggested allocation pattern:

– 35% Flexi cap category fund
– 25% Large & midcap category fund
– 20% Midcap category fund
– 10% Multi asset allocation category fund
– 10% Small cap category fund

This combination supports long-term wealth creation.

» How to limit risk while investing Rs 35 lakh

Risk control is very important when investing a large amount.

Follow these steps:

– invest through staggered method instead of lump sum
– avoid investing in too many schemes
– limit small cap allocation
– review portfolio once per year
– increase allocation only after market corrections

These steps improve return consistency.

» How many mutual funds should be selected

For Rs 35 lakh investment:

Ideal number of funds:

– minimum 4 funds
– maximum 6 funds

More funds reduce portfolio efficiency.

Proper category diversification is more important than number of funds.

» Important preparation before investing Rs 35 lakh

Before investing ensure:

– emergency fund already available
– health insurance coverage available
– no short-term money included in this amount
– investment horizon minimum 5 years (preferably longer)

This protects financial stability.

» Finally

Yes, you can invest Rs 35 lakh in mutual funds successfully.

Invest gradually through STP method, diversify across 4 to 6 categories, and control small cap exposure. With discipline and patience, this structure can support strong long-term wealth growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

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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