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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 06, 2024

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Asked by Anonymous - Sep 30, 2023Hindi
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Relationship

I am 42 yrs old divorced man. I broked up 2 yrs ago and it was a terrible experience. Therefore currently I don't want any relationship. I live with my parents and they are quite aged now nearing 80 yrs. I am getting depressed by thoughts coming in my mind that how i will spend my life in future without my parents. I am always having fear of loosing them. Please advice some options to get out of this mental stage.

Ans: Dear Anonymous,

Let me start by telling you that it is okay that you are feeling this way. It is only natural to feel some void after you lose a relationship and love. I understand it. Now, let's discuss some of the most effective ways to cope with it. First off, focus on yourself. Yes, having a partner can brighten up our lives, but that can only happen when we are content with ourselves first. Focus on what makes you happy as an individual. Take up some hobbies. Travel, read a book, go to the theater and watch a movie, go to a restaurant alone, hang out with friends, spend time with your family, and consider seeing a professional to take care of your mind along with your soul. Once you feel better and confident being alone, try dating. Dating apps are perfect for someone like you. More and more people are giving love a second shot on the apps and you can find someone who has been exactly where you are today and can empathize with you. It is not too late to fall in love again and find a companion for life. But all of that comes only after you work on yourself and give yourself time to heal and grow.

This sadness is temporary. It will pass. But consider seeing a counselor who can help you sort these feelings and work your way out of it.

Best Wishes.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hi Anu I am 30 years old. I have done LLB and was not interested to practice in court so I tried to get a private job but I didn't get any. Then I decided to start preparing for a government job but I missed it. I started to doubt myself. I even had suicidal thoughts this was started when I was very little something happened to me when I was 16 since then I tried to kill myself and also tried to get involved with one of my friends in college. He liked me so much so we started having relationship. When intimacy started I became nervous and afraid. It is like itching. I want to run and hide in a safe place. He was very firm and honest and humble but didn't work out. After that so many proposals came. I declined. Now my family wants me to marry. I don't know if the husband would understand and give me some time to get involved with him. I don’t know what life after marriage would be. I am a girl with absolutely no achievement and am not proud of anything in my life. My parents are disappointed in me but they never show. What should I do? Pls do not disclose this
Ans:

Dear JV,

It’s possibly the incident that happened to you (which I understand that you haven’t shared here) is preventing you from having a fulfilling life.

I can only say that the incident happened in the past, but you are living it even now.

You were a victim in that incident, but to continue to play the victim even now is to give your power away.

How can you be happy by giving your inner power away every day and every moment?

Reclaim your life.

What’s happened can be blurred by moving away from that incident and reminding yourself that you are far away from the past and in the NOW.

  • Be grateful to what you have in the present
  • Make a list of your strengths
  • Write down your goal clearly by stating by when you want to achieve it

Remember bringing your past into the current time robs you of any goodness; professionally or personally.

So, to see something change, change the way you feel about your past.

Step out of the victim mode and become a person who has the power to change things at will.

I am sure you want to see how this pans out for you.

So, what are you waiting for? Step up and bring that newness of thought into your life.
All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 13, 2023

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I am a 40 year old unmarried male from a big metropolitan city. I am unable to find suitable Alliance to get married. I stay with my parents. I guess none of girls today are willing to stay with in-laws. Also, i cannot leave my parents alone as they are old without retirement benefits and completely dependent on me. Due to this i have become a topic of discussion/joke among colleagues in office as well as friends. This is killing me slowly day by day. I have become depressed no self esteem and goal in life. Need some advice on how survive.
Ans: Dear Ajay,
I appreciate that you care for your parents and are truly willing to be there for them. But, if it has begun to affect the course of your life, you must ask yourself: What can I do where I can care for my parents and also make a life for myself?
Most often we get stuck in a problem, thinking that there are no solutions. There are no solutions because we fail to ask ourselves the right questions which enable us to look for solutions.
You do not have to sacrifice your life to care for your parents and at the same time, you are right that in this day and age, not every woman wants to live in a joint family system.
Know this as a fact and now ACT.
1. What is it that I want at age 40 in my personal life beyond caring for my parents?
2. What can I do to make that happen? Have I tried every trick in the book to accomplish that?
3. What will stop me from building my personal life?

Answer these in all honesty and tell yourself: Anything is possible as long as I put my mind to it!
Also take solace in the fact that your parents also want to see you happy. Who knows; if you sat them down and actually told them of your dilemma, they might be able to support you as well...

All the best and do what's right for you!
(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 09, 2023

Asked by Anonymous - Sep 30, 2023Hindi
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Relationship
Hi, I am a 53 years old male, lost my loving wife last year who was 46, I do have 2 kids who are into higher studies now aged 22 and 18, off late have been feeling very lonely and upset and have not been able to forget my late wife, life seems to be too useless now. Many a times i think of having a new partner for the rest of my life then these feelings also die down. Am quiet worried as to how I will be able to live second half of my life as sooner or later the children will be busy in their own lives, what to do?
Ans: Dear Anonymous,
I am truly sorry for your loss...
The journey of grief is so different for each person and you can feel alright on one day and devastated on another day...Give your self ample time to grieve and speak about her; it will be painful but the more you allow yourself to speak about her, you will notice that you are closer to accepting the fact of your loss...it is a journey, so do take your time...
But in the meantime, do make sure that you do take help in the form of a support system of your family and friends. Yes, they do have their own lives but I am sure that they will step in kindly when it is required.
Also, you might find that you socially isolate yourself and move away from everything that used to give you joy. You must find a way of getting back to all of those things reminding yourself that you must live your life too...this is initially a way of filling the vacuum, but soon you will find that it does more that just distract you.

Finding another life partner is a decision that is yours to make; but I will suggest that you heal from the loss and then if and when you feel the time is right, you may seek a life partner. But right now, all you will do is find a huge respite to fill in your loneliness and not be able to form a connection with that person. So, take care of yourself first, heal well and then slowly make life-altering decisions.

All the best...I am sure you can do this!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Hello sir, I'm 34. I'm a software Engineer. Married with Kids. I have two term policies and corporate health insurance. My parents are dependent on me. Both are senior citizens. I want my parents to be finacially independent. I'm ready to invest 10L-15L. I would like to generate monthly income for my parents expenses by securing Capital. Please suggest any investment strategy which helps my partents for monthly expenses of around 10k. I can take moderate risk. Thanks. Naveen Janagam.
Ans: It's great to hear that you are thinking about securing a monthly income for your parents. Given your situation, here are a few investment strategies that you could consider:
Corporate Bond Funds: Investing in corporate bond funds can be a way to generate regular income through interest payments while maintaining a moderate level of risk. These funds invest in a diversified portfolio of corporate bonds with varying maturities.

Fixed Deposits (FDs) with Monthly Payout: You can opt for fixed deposits that offer monthly interest payouts. While the returns may be lower than other investment options, it provides a secure and stable monthly income.

Dividend-Yielding Mutual Funds: Dividend-yielding mutual funds invest in stocks of companies that regularly pay dividends. By investing in these funds, you can potentially receive monthly dividends that can be used as income for your parents.

Systematic Investment Plan (SIP) in Debt Funds: Consider setting up a SIP in debt mutual funds that have the option for regular redemptions. This allows you to invest periodically and redeem a fixed amount each month to meet your parents' expenses.

Senior Citizens Savings Scheme (SCSS): As your parents are senior citizens, they are eligible for the SCSS offered by the government. This scheme provides a regular interest income and has a fixed maturity period.

Before making any investment decisions, it's advisable to consult with a financial advisor to tailor the investment strategy according to your specific requirements and risk profile.

I hope these alternative suggestions align more closely with your preferences. If you have any more questions or need further assistance, please feel free to ask.
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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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