What is the status of shares of Sintex Industries ? It was re-listed sometime back but its trading has been suspended since 11th Feb 23

Ans: Dear Syedsiraj,

A lot of things factor in. Are you financially well off? Then, you can find a woman of your own stature. But, a person's financial status should not be the only trait that you should be considering while seeking a match. Matching perspectives, likes and dislikes, personality, education, and more things are to be considered.

Hope this helps.

Ans: Dear Anonymous,

I understand that you are feeling nostalgic but I can't offer you advice or ideas to find your ex-girlfriend, who got married over three decades ago, and look at her. Please focus on your marriage and try to find out what is wrong that you are looking back in the past instead of being happy in your present.

Best Wishes.

Ans: Dear Anonymous,

Seems like you are not quite in love with this person. Not everyone experiences love at first sight. Some love stories grow over time. You can try spending some more time with him and see where it goes. But if you are not satisfied with how strongly you feel for him or if you continue to feel that you deserve better, I strongly recommend giving it a thought. You don't want to settle for less out of peer pressure. And it would not be right to drag him and give him hope, especially since he has feelings for you.

There is no need to rush. Take your time. Think about it with a clear mind and make a choice.

Best Wishes.

Ans: Dear Bablu,

This is not a big deal. Tell her that there was some confusion. Tell her that your first name is Bablu and your surname is Rahul. Since she started calling you by Rahul, you never corrected her. And you also like how she calls you Rahul. You are telling the truth and hence you have nothing to fear. Moreover, no one should be mad because of such a small matter. Please tell her as soon as possible to avoid any more complications.

Best Wishes.

Ans: Dear Shraddha,

Hopefully soon.

If you are concerned about finding a partner, try using a dating app. Write down who you are and what kind of partner you want in your bio. Also, mention that you are seeking a partner for marriage. I am sure you will find a good match soon enough.

Best Wishes.

Ans: Dear Anonymous,
Be a good friend like you are and suggest only when she asks you for a suggestion. Till she has no challenges, why make any suggestions? Right?

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

Ans: Dear Anonymous,
Physical abuse is a NO NO...he does has his 'anger' issues which might need to be dealt with by a professional. Have the two of you sought professional help? Are you willing to do that? Will your husband also agree to that?
But it also seems apparent that you want 'OUT' of this marriage.
BUT what is not clear to me is: Why the fear that he will persuade you to stay? If you have decided, why would you find it hard to stick to your decision OR there is a part of you that is still unsure.
Then it's better to be sure and for that try going to an expert. At least you know that you left no stone unturned before taking that major decision.
And who knows, if things actually start to get better, it might be wonderful, yeah?

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

Ans: Dear Anonymous,
Sometimes people are just not ready for marriage and here your wife certainly came along with a huge baggage of unresolved issues behind her.
Marriage requires both partners to be responsible not just towards one another but take an active interest in their roles. This calls for maturity from both partners here.
Now, this was never a possibility with your spouse as she felt the marriage was a forced one. That is enough to destroy any chances of the marriage falling in place. You are also in a soup now that she has found her 'proof' that gives her a ticket out of this marriage.
The question here is: Do you want this marriage? If YES, then you will have to start down the part of proving your innocence and what led to what and how and when...If NO, then since your spouse has found her ticket to freedom, the only thing you might have to do is clearly state and not explain anything as to how things went downhill right from the beginning. Her parents may believe you or not, but that's what your decision needs. They may try to malign you in the family, just stick to your version of what happened and move on.
So, you are at that point where you need to make a decision. What is it going to be?

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

Ans: Dear Ashok,

Congratulations on reaching this milestone. You have Rs 32 lakhs from a maturing Fixed Deposit (FD). At the age of 60, it’s vital to balance safety, liquidity, and growth in your investments.

Understanding Your Financial Goals
Before diving into investment options, let's understand your financial goals. Do you need regular income, preservation of capital, or growth? Your age suggests a need for a conservative approach, but with some exposure to growth for inflation protection.

Fixed Deposit: Safety and Predictability
Fixed Deposits (FDs) are safe and predictable. They offer guaranteed returns, making them suitable for risk-averse investors.

Benefits:
Safety: Capital is protected.
Guaranteed Returns: Interest rates are fixed.
Liquidity: Can be broken with a penalty if needed.
Drawbacks:
Low Returns: Typically lower than inflation.
Taxable Interest: Interest is fully taxable.
Mutual Funds: Growth and Diversification
Mutual Funds offer diversification and potentially higher returns. Given your age, a balanced approach focusing on low to moderate risk is ideal.

Benefits:
Higher Returns: Potentially higher than FDs.
Diversification: Spread across various assets.
Tax Efficiency: Long-term capital gains are taxed favorably.
Drawbacks:
Market Risk: Returns are not guaranteed.
Complexity: Requires understanding fund types.
Conservative Mutual Funds
Given your need for safety and some growth, consider conservative mutual funds. These include debt funds, hybrid funds, and balanced advantage funds.

Debt Mutual Funds
Debt funds invest in fixed-income instruments like government bonds and corporate debt. They are less risky than equity funds.

Benefits: Stable returns, low risk.
Suitable For: Capital preservation and modest growth.
Hybrid Mutual Funds
Hybrid funds invest in both equity and debt. They offer a balance between risk and return.

Benefits: Diversified risk, balanced returns.
Suitable For: Moderate risk appetite and inflation protection.
Balanced Advantage Funds
Balanced advantage funds dynamically adjust between equity and debt based on market conditions.

Benefits: Automated balance between risk and return.
Suitable For: Those who want professional management of asset allocation.
Evaluating FD vs. Mutual Funds
Safety and Returns
FD: Offers safety and predictable, but lower returns.
Mutual Funds: Potential for higher returns, but with market risks.
Tax Efficiency
FD: Interest is fully taxable.
Mutual Funds: Long-term capital gains are taxed favorably.
Liquidity
FD: Liquidity comes with penalties.
Mutual Funds: Generally more liquid, with easy withdrawal options.
Personalized Investment Strategy
Given your age and need for a balanced approach, here’s a suggested strategy:

1. Split the Investment
Divide Rs 32 lakhs into two parts: 50% in FDs for safety and 50% in mutual funds for growth.

2. Choose Suitable Mutual Funds
Select conservative funds to balance risk and return. Here are some categories:

Debt Funds: Invest Rs 10 lakhs for stability.
Hybrid Funds: Invest Rs 6 lakhs for balanced growth.
Balanced Advantage Funds: Invest Rs 6 lakhs for dynamic management.
3. Regular Review
Regularly review your portfolio to ensure it aligns with your goals and market conditions.

Practical Steps for Implementation
Consult a Certified Financial Planner: Get personalized advice to align investments with your financial goals.

Research Funds: Look for funds with a good track record, low expense ratio, and suitable risk profile.

Diversify: Spread investments across different types of funds to reduce risk.

Monitor and Rebalance: Keep track of your investments and rebalance as needed to maintain the desired asset allocation.

Final Thoughts
Balancing safety and growth is essential at this stage of life. By diversifying your Rs 32 lakhs between Fixed Deposits and conservative mutual funds, you can achieve stability and growth. Regular monitoring and adjustments will ensure your portfolio remains aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in