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Rishta

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Rishta Guru - Answered on Feb 13, 2024

Rishta Guru is a relationship expert whose advice goes beyond romance. Rishta Guru can also guide you about the problems you face at home, with your friends, in your building, at your educational institution or at your workplace.... more
Asked by Anonymous - Feb 13, 2024Hindi
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Relationship

My 14-year-old lied about going to a friend's house and snuck out to attend a party without permission. He also recently admitted to experimenting with vaping. I'm feeling hurt, disappointed and scared. How can I set clear boundaries and help him make responsible choices?

Ans: Hello. As a parent, I can understand your hurt, disappointment and fear.

It's natural to feel betrayed when your child deceives you and engages in risky behaviour.

Here are some steps you can take to set clear boundaries and help your 14-year-old make responsible choices:

1. Talk about the lies and sneaking out

Once you've calmed down, initiate a conversation without yelling or shaming. Explain how his actions have affected you and why trust is crucial in your relationship.

Set consequences. Grounding or restricting technology access are some options. Be clear about the duration and expectations.

Encourage him to express his feelings and motivation for sneaking out. Listen actively without judgment and validate his emotions.

Emphasise safety. Address the dangers of unsupervised parties and explain why knowing his whereabouts is important for his safety and your peace of mind.

2. Address the vaping

Stay informed. Educate yourself about the risks of vaping, its health impacts, and potential addiction.
Have an open conversation. Discuss the dangers of vaping openly and calmly. Share your concerns and listen to his reasons for trying it.

Set clear expectations. Clearly state your disapproval about vaping. Explain the consequences of continuing, emphasizing both health and disciplinary considerations. Ask him to stop doing it.

Let him know you're there to help him quit the habit. Explore resources like hotlines, support groups or therapists specialising in teen substance abuse.

3. What you can also do

Have a safe space for open communication where he can express his thoughts and feelings without fear of judgment. Regular, open communication builds trust and allows you to guide him through challenges.

Establish clear expectations for behaviour, homework, chores and technology use. Discuss them openly and ensure he understands the reasoning behind them.

Acknowledge and praise responsible choices and positive behaviour. Reinforce positive actions to encourage him to make good decisions.

Teach him healthy coping mechanisms for stress, peer pressure and difficult emotions. Encourage activities like sports, hobbies or creative outlets.

Lead by example. Be mindful of your own behaviour and choices. Teens learn by observing so be conscious about how you behave.

Remember, this process takes time and patience. Be consistent, stay calm and be open to working together with your son to build trust and encourage responsible choices. If you feel overwhelmed or need additional support, seeking professional guidance from a family therapist or counsellor can be very helpful.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 07, 2023

Asked by Anonymous - Feb 02, 2023Hindi
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Relationship
Hi Anu, my teenage son has been acting weird since the last few months. He has been caught lying and smoking after school hours. He has bunked school and been spotted by a friend but when I casually checked on him he lied that he is at school. I don't know how to address this. I feel like I don't know my son anymore
Ans: Dear Anonymous,
Teenage time is the most confusing time for children and parents alike. And with the digital age, it's only getting tougher. Dealing with butter fingers, yet being firm with them, works at times and doesn't at other times.
If this behaviour change of his is sudden, something could have triggered it.
Check points:
- What is the company of friends that he keeps?
- How is the environment at home? Peaceful and loving OR Restless and agitated?
- What is the relationship that he shares with either of his parents?
- Is the channel of communication at home such that he can share anything?
- Is there any pressure on academic performance from home or school?
- Has there been any instance around him or with him that has been emotionally draining? Like a loss of a loved one or a friend?

Do go over this list and be spot on while answering them. It will allow you to get to the source of the problem rather than just focus on his behaviour. Instead of reprimanding him for his behaviour, watch for it closely while you get to the source of it all.
If it's challenging to go through this all by yourself, please without any delay seek the help of a professional who specifically works with adolescents and adolescent behaviour. Be compassionate through the process as he needs both his parents while transitioning back. It is worrisome, I fathom it, but he needs you on his side and not against him.
So, do the right thing and act immediately.
All the best!

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Rishta

Rishta Guru  | Answer  |Ask -

Rishta Guru - Answered on Feb 21, 2024

Asked by Anonymous - Feb 15, 2024Hindi
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Relationship
My 13-year-old son is starting to ask questions about sex and relationships. While I want to be open and honest, I'm unsure how to navigate these sensitive conversations and ensure he has accurate information and make healthy choices.
Ans: Hi. Thank you for asking this important question.

While navigating conversations about sex and relationships with your 13-year-old son can be challenging, these kinds of conversations are crucial.

Here are some tips that might help:

Create an open environment: Let your son know that he can come to you with any questions or concerns about sex and relationships without fear of judgment or punishment. Ensure that he feels comfortable discussing these topics with you.

Be honest and age-appropriate: Provide accurate information in a way that is appropriate for his age and level of understanding. Start with the basics and gradually introduce more complex topics as he grows older.

Use proper terminology: Use correct anatomical terms when discussing body parts and functions. This helps to reduce the stigma and confusion around these topics.

Listen actively: Pay attention to your son's questions and concerns. Let him know that his thoughts and emotions are important and normal.

Encourage critical thinking: Help your son think critically about media portrayals of sex and relationships and how they may differ from reality. Discuss issues like consent, respect for the opposite sex and healthy boundaries.

Inculcate values and beliefs: Talk about your family's values regarding sex, relationships and intimacy. Discuss topics such as mutual respect, consent and the emotional aspects of relationships.

Provide resources: Offer books and other resources that provide reliable information about puberty, sex and relationships. This can supplement your conversations and give your son additional information to explore on his own.

Set clear boundaries: Discuss the importance of setting boundaries in relationships and respecting the boundaries of others. Teach him to recognise and assert his own boundaries in various situations.

Educate him about peer pressure and risky behaviour: Talk to your son about peer pressure and how to make informed decisions, especially when it comes to risky behaviour like unprotected sex.

Remember, these conversations are part of a larger ongoing dialogue about sex, relationships and personal development. By being open, honest and supportive, you can help your son navigate these topics in a healthy and informed manner.

All the best.

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Latest Questions
Samraat

Samraat Jadhav  |2600 Answers  |Ask -

Stock Market Expert - Answered on Sep 10, 2026

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Money
I wanty to invest approx. 5 lakhs in different mutual funds which will give me average XIRR of 12 to 15%. Please csuggest me name and scheme of MF
Ans: Rs.5 lakh is a good starting amount. However, 12–15% XIRR should be treated as a long-term target, not a guaranteed return.

» Suitable fund categories

For a 5+ year horizon, I would consider a diversified active-fund portfolio such as:

Multi Cap Fund – 30%
Flexi Cap Fund – 25%
Large & Mid Cap Fund – 25%
Mid Cap Fund – 20%

This gives exposure to different company sizes and investment styles.

» If you want a simpler portfolio

You do not need 4–5 funds just because you have Rs.5 lakh.

A 3-fund structure can be sufficient:

Flexi Cap Fund – 40%
Large & Mid Cap Fund – 30%
Multi Cap or Mid Cap Fund – 30%

The actual scheme selection should depend on your time horizon, risk level and existing investments.

» About the 12–15% XIRR target

For equity mutual funds, 12–15% can be a reasonable long-term planning assumption over 7–10+ years.

But no mutual fund can promise this XIRR.

Short-term returns can be negative.
Even good funds can underperform for some periods.
Do not select a fund only because its recent return is 15% or more.
Fund consistency and downside management are equally important.

» How I would invest Rs.5 lakh

If you are comfortable with market fluctuations and the investment horizon is long, you can invest gradually through STP over several months if you are concerned about entering the market at one time.

If the money is needed within 3–5 years, I would not target 12–15% by taking aggressive equity risk.

» Final Insights

As an Investment professional and AMFI-Registered MFD, I would first assess your existing MF holdings before adding new schemes. This avoids unnecessary duplication and overlap.

If you share your age, investment period, whether Rs.5 lakh is lump sum or SIP, and your existing MF holdings, I can suggest a more suitable asset allocation and fund-category combination.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Asked by Anonymous - Sep 10, 2026
Money
I have 15 lacs to Lumsum investment for my daughters higher education.I want to invest in STP in 3 funds .One hybrid Fund which has 15l value and from that STP to two fund Any multicap or Large and Midcap Fund .Please suggest ? Any other Idea will also appriciate.Thanks
Ans: Your approach of using STP for your daughters higher education goal is a good way to move a lump sum into equity gradually. The main point is to match the asset allocation with the time left for the education goal.

» Suggested structure

Keep the Rs.15 lakh initially in a suitable hybrid fund.
Use STP from the hybrid fund into two diversified equity categories.
A combination of Multi Cap and Large & Mid Cap can work well.
You need not use too many funds. Three funds are enough for this goal.

For example:

Hybrid Fund – Rs.15 lakh initially
Multi Cap Fund – STP destination
Large & Mid Cap Fund – STP destination

» How to use STP

I would prefer a systematic STP over a very short period.

If the education goal is more than 5 years away, equity allocation can be meaningful.
The Rs.15 lakh can be shifted gradually over around 12 months.
You can divide the STP between the two equity categories.
Avoid changing funds frequently based on short-term market movements.

STP is mainly useful for managing entry risk. It does not remove market risk.

» Do not ignore the education timeline

This is the most important part.

If higher education is:

More than 10 years away – higher equity allocation can be considered.
Around 5–10 years away – balanced equity and hybrid allocation may be better.
Less than 5 years away – avoid taking high equity risk with the entire corpus.

As the education date comes closer, gradually move the required amount towards safer investments. This protects the money already created.

» Multi Cap vs Large & Mid Cap

Both categories can complement each other.

Multi Cap gives exposure across large, mid and small companies.
Large & Mid Cap gives a relatively stronger focus on large and mid-sized companies.
Combining both can create some overlap, so the portfolio should be reviewed periodically.

I would not select funds only based on the latest 1-year or 3-year returns. Fund quality, portfolio consistency, risk management and long-term performance matter more.

» One alternative idea

Instead of keeping the complete Rs.15 lakh in one hybrid fund, you can also consider a two-stage approach.

Keep the amount in a suitable hybrid/debt-oriented allocation initially.
Start STP into diversified equity funds.
Once the required equity allocation is reached, stop the STP.
Continue monitoring the overall portfolio rather than continuously adding new funds.

This keeps the portfolio simple and easier to manage.

» 360-degree education planning

The Rs.15 lakh should not be viewed separately.

Also consider:

Current age of your daughter.
Expected year of higher education.
India or overseas education.
Present education cost and future cost.
Other investments already available for this goal.
Your monthly SIP capacity.
Emergency fund and adequate insurance.
A separate safe corpus as the education date gets closer.

If the goal is 8–12 years away, this Rs.15 lakh can become a strong foundation. Regular SIPs along with it can make the education corpus much stronger.

» Final Insights

Your basic STP idea is sensible. I would prefer a simple 3-fund structure rather than holding many schemes.

The exact equity allocation and STP period should depend mainly on your daughters age and when the higher education money will actually be required.

As an AMFI-Registered MFD, I would also suggest reviewing this goal at least once a year and reducing equity exposure as the goal approaches.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

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

...Read more

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2026

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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