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Anu

Anu Krishna  |1452 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 21, 2023

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
Asked by Anonymous - Jul 20, 2023Hindi
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Relationship

hi , I am a 40 year old man with 2 kids and wife , aged parents .Financially and health wise i am doing good and working in a reputed mnc. My relationship with parents , wife ,kids and siblings is in good spirits . however i am an introvert and don't have many friends .while i had friends in childhood and youth however they have moved in there life .i want to have an improved social life and also have joined a course to improve social skills and more strong relationship socially and at work . As course suggest to approach people , however i still don't approach/talk to people when opportunity is there .i also tried to have more positive attitude towards other people ..however still sometimes i start criticizing them in my mind...and sometimes i feel that approaching /talking may belittle me in front of them,,,, and talking /approaching opposite sex is even more difficult ... any suggestion to improve on this part and how i can improve my social life and get/find company of like minded people .

Ans: Dear Anonymous,
Two things to understand here:
1. You are an introvert and you are happy being one
2. You are a forced introvert as you are unable to break the walls that you have put around you.

If you belong to the first category, enjoy the state of bliss as is. But from what I gather, you seem to falling under the second category wherein you want to expand your social circle and be a part of activities etc.
Then you have to put yourself out there.
1. Do understand that as much you want to be engaged with like-minded people, even these people will at some point in time think different from you.
2. Do accept people for who they are and that way you will come from a non-judgemental space while engaging with them.
3. Do connect with people who are totally different from you and it will help you expand your mind to be curious about them.

If this is a difficult thing to do...think....What if one of your children came to you with the same problem that you have now? What would you tell them to do?
Also, get into circles on social media that discuss topics which interest you. Join a gym or a hobby class and that is an avenue to make new friends irrespective of gender.
To add more friends, you need to be friendly as well...so open your heart and mind...

All the best!
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Radheshyam

Radheshyam Zanwar  |1151 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 22, 2025

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Career
What should I do after my bsc in medical
Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

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Ramalingam

Ramalingam Kalirajan  |7606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2025

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Money
Where should I invest Rs. 50000 in Index mutual fund or in ETF?
Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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