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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
SR Question by SR on Aug 23, 2022Hindi
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Relationship

I am 29 years old. I work as a software engineer. During Covid time I broke up with my girlfriend and I feel very bad about it.
She was just passing her time with me but I really loved her and I am now struggling to move on. I even had suicidal thoughts sometime back.
I feel like nothing is happening in my life. I feel like I'm stuck in my past.
Life is boring like hell, no interest in any activities.

I have 7 years of experience but only getting paid 12 lakhs per annum, this also bothers me every time.
Everyone I meet acts good with me only for their advantage.
No one is available when I need them. None of my friends take me seriously.

Any advice from you will be really helpful.

Ans:

Dear SR,

When you don’t value yourself, why expect anyone to value you?

Thinking of attempting to take your life just because of a failed relationship only means that your life is always in someone else’s hands.

Obviously, your earning capacity is the way it is as you are not working to your full potential.

How can you with the way you think about yourself!

Your life is important and it counts. Value it; love yourself more.

Indulge in some hobby and treat your friends the way you want them to treat you. And if you feel that people act good with you only to take advantage of you, ask yourself if you are giving them your full attention while you are with them.

Time to stop pitying yourself, smile a lot, reassure yourself that this moment is a new beginning and most importantly: Love yourself even more.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

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Relationship
Hello Anu. I hope you are doing well. I follow your column and read your posts. I have a different issue. I am single and 30+ years. I have no complaints as I did not find any suitable guy to marry. I had a happy and busy life before Covid. However after Covid, lockdown and this work from home life has become monotonous. I not only lost my uncle due to depression but lost my friends due to fights and misunderstanding. I believe in giving importance so I tried to patch up with my friends but they prefer to break all the connections and move on. I have always had a thing for respect and to be valued. I moved away too coz I felt it was the right thing to do but somewhere it hurts me a lot that I am not able to hold on to my friends who knew me for so many years. How can someone get abandoned and not want to talk and sort things out? I feel I am overthinking it when the others are not even bothered or thinking about me or it. I really want to move away and focus on my life and career. I try doing it but many times there are so many things that reminds me of them and I get stuck and emotional again. I am trying some meditation and journaling but it does not seem to clear my mind.Hence I thought of checking with you. Let me know if you have any advice for me.
Ans:

Dear MS,

Time to make amends?

You clearly seem like someone who likes being around friends and has allowed a bit of ego take over, which has perhaps pushed them away.

So go back to them! Make amends, apologise for what’s happened and tell them how much you value their presence in your life.

Focus on what is good in them and what they bring into your life. No one is perfect; expecting them to behave in a certain manner and letting your pride come in the way will push them away.

Even if you move away from them and make new friends, the same thing will happen again as there is a part of you that expects something they can’t do or be.

It's time to look within and make some subtle and useful changes so that people are attracted to that person in you who is fun and compassionate.

Also, you can continue with journalling and spend time listing down the best qualities in each of your friends.

This will help in celebrating them for who they are and it really makes you feel good from within. It works!

Best wishes!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

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Relationship
Hello Anu. I hope you are doing well. I follow your column and read your posts. I have a different issue. I am single and 30+ years. I have no complaints as I did not find any suitable guy to marry. I had a happy and busy life before Covid. However after Covid, lockdown and this work from home life has become monotonous. I not only lost my uncle due to depression but lost my friends due to fights and misunderstanding. I believe in giving importance so I tried to patch up with my friends but they prefer to break all the connections and move on. I have always had a thing for respect and to be valued. I moved away too coz I felt it was the right thing to do but somewhere it hurts me a lot that I am not able to hold on to my friends who knew me for so many years. How can someone get abandoned and not want to talk and sort things out? I feel I am overthinking it when the others are not even bothered or thinking about me or it. I really want to move away and focus on my life and career. I try doing it but many times there are so many things that reminds me of them and I get stuck and emotional again. I am trying some meditation and journaling but it does not seem to clear my mind.Hence I thought of checking with you. Let me know if you have any advice for me.
Ans:

Dear MS,

Time to make amends?

You clearly seem like someone who likes being around friends and has allowed a bit of ego take over, which has perhaps pushed them away.

So go back to them! Make amends, apologise for what’s happened and tell them how much you value their presence in your life.

Focus on what is good in them and what they bring into your life. No one is perfect; expecting them to behave in a certain manner and letting your pride come in the way will push them away.

Even if you move away from them and make new friends, the same thing will happen again as there is a part of you that expects something they can’t do or be.

It's time to look within and make some subtle and useful changes so that people are attracted to that person in you who is fun and compassionate.

Also, you can continue with journalling and spend time listing down the best qualities in each of your friends.

This will help in celebrating them for who they are and it really makes you feel good from within. It works!

Best wishes!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Listen
Relationship
Hello Anu. I hope you are doing well. I follow your column and read your posts. I have a different issue. I am single and 30+ years. I have no complaints as I did not find any suitable guy to marry. I had a happy and busy life before Covid. However after Covid, lockdown and this work from home life has become monotonous. I not only lost my uncle due to depression but lost my friends due to fights and misunderstanding. I believe in giving importance so I tried to patch up with my friends but they prefer to break all the connections and move on. I have always had a thing for respect and to be valued. I moved away too coz I felt it was the right thing to do but somewhere it hurts me a lot that I am not able to hold on to my friends who knew me for so many years. How can someone get abandoned and not want to talk and sort things out? I feel I am overthinking it when the others are not even bothered or thinking about me or it. I really want to move away and focus on my life and career. I try doing it but many times there are so many things that reminds me of them and I get stuck and emotional again. I am trying some meditation and journaling but it does not seem to clear my mind.Hence I thought of checking with you. Let me know if you have any advice for me.
Ans:

Dear MS,

Time to make amends?

You clearly seem like someone who likes being around friends and has allowed a bit of ego take over, which has perhaps pushed them away.

So go back to them! Make amends, apologise for what’s happened and tell them how much you value their presence in your life.

Focus on what is good in them and what they bring into your life. No one is perfect; expecting them to behave in a certain manner and letting your pride come in the way will push them away.

Even if you move away from them and make new friends, the same thing will happen again as there is a part of you that expects something they can’t do or be.

It's time to look within and make some subtle and useful changes so that people are attracted to that person in you who is fun and compassionate.

Also, you can continue with journalling and spend time listing down the best qualities in each of your friends.

This will help in celebrating them for who they are and it really makes you feel good from within. It works!

Best wishes!

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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Relationship
I don't know how to start but things are not good in my life. I lost my father 3 months back which still does not go out of my head. I met a girl recently and developed some sort of feelings for her but she is not at all interested in me which made me more sad as I feel as I am just not good enough. Due to my professional work I am not living with my family and their tensions extra. I have zero friends who talk regularly to me or ask about me. I have a thin body so people body shame me and it decreases my morale and confidence. Profession is also not going as good I thought due to relationship issues with my manager. Everything is making me more sad and lonely. Please give me something to cheer. Don't want to live life like this.. I am writing this with a heavy heart.
Ans: Dear HS, I am truly sorry for your loss; the passing away of a loved one is never easy on anyone.

Now let’s focus on what you might be bothered by. See, if you are going to depend on the external environment to increase your confidence or self-esteem, then you are setting yourself up for a rude disappointment.

Your state of mind is your choice which is the one that dictates how you perceive the environment around you.

If you wake every morning feeling sorry for yourself, do you think you are going to perform well at work?

Shying away from a social life just because you are body shamed pushes you back into an unfavorable state of mind where you shut away even a few ‘good’ people.

Why deprive yourself of the little joys just because some people measure you by how you look?

What do you get by giving into that drama that these people have created?

More agony, I presume! And then the loop goes on and on…

Do check a few inspiring videos on how people have overcome body shaming and take a leaf out of it and start living for who you are; people start respecting you when you respect yourself first.

Well, romantic feelings sometimes may not be reciprocated; but you feel sad because you already are in a self-pity mode; what if your mind space was stronger?

A rejection from a girl, would have still been fine and would have been easy to move on.

Sorry, I need to be honest and show you the mirror, rather than just cheer you up. Get up, stand tall, show up. Show Up, no matter what!

Respect yourself for who you are…you are your best Ally…Now, I want you to dust yourself off of all the feelings that are not useful and Show Up and Take Charge…watch how things change…

Best wishes and simply Show Up…You can do this…

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 27, 2022

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Relationship
Hi Anu, I'm here to let my feelings out. I'm 23 years old, working in IT. I have never been a person orientated towards studies not just now but even as a kid. I never knew that this would take a toll on my life like this. I'm. Not happy with my job. I'm not passionate about it. Clearly I'm not performing well. Neither am I trying to. It's been a long time since I felt like I have things in control. Right now I can't control myself, my feelings, my thoughts, my brain process. After the lockdown began I have totally lost everything that I was left with. It's been a very long time since I have been happy about what's happening in life. I don't know what to do. I was depressed for 3 years due to break up. I think meeting that person made my life upside down. It was a very bad influence on me. He was a narcissist. Which is what has made like this today I guess. I have nothing in control, I don't know if I'll be able to make things right in my life, if I'll ever be better again. There's too much confusion, fear, pain and sadness inside of me. I'm stuck in the same place for years now. I have no confidence to do anything. I don't believe in myself, I cannot talk to myself in a good way. If something wrong happens to me today, I accept it. I do not have the strength to fight against or for anything. I feel hollow. I feel like there is absolutely nothing inside of me left. I feel like there nothing I can do to make my life better. The solution to make this right for my family is to k*** myself. Because I don't see hope. Even though I have dreams, I don't believe in myself that I will be able to fulfil them. Because I don't have the spark of life in me. Everything inside me dead. I don’t know what to do. I don’t even know if you'll be able to help me. But I'm not able to deal with myself. The pity I have on myself. The disgust I have on myself.
Ans:

Dear S,

It’s like being unsettled has become a way of life. And you haven’t become aware that what you are living with in terms of uncertainty is mostly self-created.

You are seeing it with academics, work, relationships. It’s a pattern which must be broken provided you wish to see a massive change in your life.

Ask yourself:

1. What do I seek from life?
2. Where do I see myself in the professional space?
3. What do I wish for in a relationship/partner?

Now, check if your thoughts and behaviours align with what you wish for.

For eg: If you are looking at losing weight, if your behaviour is no exercise and reaching out for a midnight snack, you will never get to what you wish for.

So, if you want to feel more certain and have a certain level of wellbeing and grip in your life, you need to come up with some sort of fool proof plan and stick with it.

If you haven’t been very fine with academics, surely you can still put your best foot forward in your workplace taking more initiatives and thinking about how to grow there.

With relationships, start asking yourself, how can I add value to my partner?

It’s time you took responsibility for your choices and its results. So, if you want massive changes in the results, change the way you think and do things.

Am I getting through to you here?

Nothing is dead; you just have to inspire yourself to think and do different.

So, self-pity isn’t going to get you anywhere.

If he was a narcissist, good things didn’t work out…time to move on rather than make more excuses for your life not going anywhere.

Do you know now what you must do? Just Step Up!

Best wishes!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11000 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2026

Money
Is it advisable to invest in Midcap and Smallcap ETFs in India compared to Midcap and Smallcap mutual funds? While I understand that Midcap and Smallcap mutual funds may offer higher percentage returns compared to ETFs, the main issue is that no mutual fund consistently remains at the top in terms of returns. The best-performing mutual funds can change over time, making it necessary to monitor and switch from underperforming funds to top-performing ones regularly – a process that can be quite cumbersome and also incurs capital gains tax when exiting a fund. On the other hand, since ETFs track their respective indices, their percentage returns closely mirror those indices, eliminating the need for frequent switching or selling like in the case of mutual funds. However, I am uncertain whether keeping investments in ETFs over the long term (10 years or more) will yield returns comparable to mutual funds once capital gains tax is factored in during fund switches. Could you provide some insight into this?
Ans: I appreciate your thoughtful comparison of ETFs versus mutual funds. You are asking a very practical question and it shows good financial awareness. Let’s look at this carefully so you get clarity without confusion.

» What ETFs and index-linked products really do
– ETFs that track midcap and smallcap indices simply mirror the performance of those market benchmarks.
– There is no active management or stock picking to protect you during weak markets.
– When indices fall sharply, ETFs will fall by almost the same percentage. There is no defensive action.
– Index-linked products may seem low maintenance, but they do not adapt to market changes.

» Why actively managed midcap and smallcap mutual funds are different
– Actively managed funds have professional managers who choose stocks based on research, valuation and risk.
– They can adjust exposure to sectors and companies depending on market conditions.
– This means that in volatile phases, they can protect capital better than index trackers.
– Over long periods, learning to stay invested in well-managed funds often leads to better risk-adjusted outcomes.

» The challenge of “top performing” funds changing over time
– It is true that past performance ranking changes every year. No mutual fund stays number one forever.
– This is why selection should be based on long-term consistency, process, risk management and quality of management. Returns alone should not be the only criterion.
– A Certified Financial Planner helps you choose funds with good fundamentals, not just recent high returns.

» About monitoring and switching funds
– Frequent switching based only on short term performance is not a strong investment habit.
– Every switch can trigger capital gains tax for equity funds if sold within one year at higher short term tax rate, or after one year you still need to consider LTCG above Rs 1.25 lakh at 12.5%.
– Good investing means giving time for your chosen strategy to work unless there is a clear reason to change.

» Why ETFs are not always better for long-term goals
– Just because ETFs avoid switching does not mean they give better returns after tax. They still rise and fall strictly with the index.
– In falling markets, index trackers cannot reduce risk, but actively managed funds can.
– Even though ETFs may look simple, they can lead to larger drawdowns when markets are weak since they cannot adapt.
– In the long term, protecting capital during weak phases is as important as chasing returns.

» When actively managed funds make sense in midcap and smallcap space
– If you have a long-term horizon (10 years or more), actively managed funds can add value through stock research and risk calibration.
– They aim for better risk-adjusted returns over full market cycles, not just bull phases.
– With a CFP’s guidance, you can build a diversified portfolio that balances midcap, smallcap and broader equity exposure without frequent tax-triggering switches.

» Practical investor behaviour perspective
– ETFs can make investing easy, but easy does not always mean better outcomes.
– Investors often buy ETFs and then fail to rebalance or adjust when markets change.
– With actively managed funds, the fund manager’s decisions complement your long term holding discipline and take some burden off you.

» Final Insights
– Avoid choosing investments just by how they are labelled (ETF or mutual fund). Look at what they actually do in markets.
– For midcap and smallcap exposure over 10 years, actively managed funds tend to offer better alignment with long-term goals and risk control than index ETFs.
– The idea that ETFs avoid switching costs is true, but it is not a strong enough reason to ignore the flexibility and risk management that active funds provide.
– Tax impact matters, and with wise planning you can manage gains efficiently without frequent switches.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11000 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 2026

Money
I have invested Rs. 50000 in Motilal Oswal Midcap Fund and another Rs. 50000 in HDFC Flexicap Fund in July 2025 and while the former is always in red the latter is giving around 4- 5% return. Should I continue to remain invested in them or would you suggest switching to a a different fund.
Ans: First, I appreciate your discipline in investing and reviewing your funds soon after you started. That habit itself is a strong pillar of long-term financial success.

» Understanding your current investment situation
– You invested Rs. 50,000 in an actively managed mid-cap fund (Motilal Oswal Midcap Fund) in July 2025
– You also invested Rs. 50,000 in a flexi-cap equity fund (HDFC Flexicap Fund) at the same time
– The mid-cap fund is currently showing negative returns
– The flexi-cap fund is showing around 4–5 percent return

» Why performance can differ between funds
– Mid-cap funds tend to be more volatile, especially over short periods
– Early investment performance is not a reliable signal of future outcomes in equity funds
– Actively managed funds can differ significantly based on stock picks, sector bets and market cycles
– Equity funds need time (typically 5+ years) to smooth out ups and downs

» What to assess before deciding to continue or switch
– Time horizon: How long can you stay invested? Equity should ideally be for medium to long term (5 years or more)
– Risk appetite: Mid-cap funds swing more than diversified equity funds and need higher risk tolerance
– Fund objectives and style: Does the fund’s approach match your goals and conviction?
– Consistency of performance: Compare returns over multiple periods (1 year, 3 years, 5 years) relative to peers, not just since inception
– Fund manager experience: Long-term funds often benefit from stable and experienced management

» Should you remain invested or switch? (Practical assessment)
– For the mid-cap fund showing negative returns early:

Equity markets can move up and down in the short term. A few months of red should not be the sole reason to exit if your time horizon is 5 years or more.

If your comfort with volatility is low, consider shifting part or all of the amount to a less volatile equity category or balanced equity oriented option.
– For the flexi-cap fund with modest positive return:

Flexi-cap funds dynamically adjust allocation across market caps and help moderate volatility.

If the fund continues to align with your risk and goals, holding it makes sense.
– Do not make decisions based on short-term returns alone. Give equity adequate time to perform.

» Why actively managed funds serve you better in your case
– Market benchmarks (like index funds) simply mirror market movements without risk management choices. In falling phases, index funds have no active decision to protect capital.
– Actively managed funds can take defensive steps when markets weaken, and reallocate to sectors or stocks with better risk-reward prospects.
– For individual investors, this active oversight brings discipline and better behavioral support, especially in turbulent markets.

» How to decide if switching is needed (Step by step)
– Re-evaluate the mid-cap fund’s long-term prospects rather than recent performance
– Compare its performance with similar actively managed mid-cap peers, not the index
– If you find its strategy, risk profile or management lacking, consider a more diversified actively managed equity option suitable for your horizon
– Avoid switching too frequently, as this can erode returns and incur costs

» Final Insights
– Stay invested if your time horizon is 5 years or more and you can accept volatility
– Early red in mid-cap is not a reason by itself to exit, but do assess comfort level
– Actively managed equity funds offer better risk management than passive index approaches
– Periodic review every 12–18 months, not monthly, should guide your decisions

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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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