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Mohit Arora |39 Answers |Ask -Follow

Dating Coach - Answered on Jan 20, 2024

Mohit Arora is a relationship coach, image consultant, soft skills trainer and the founder of Real Dating School. He has a BTech degree in computer science from the Rayat & Bahra Institute of Engineering and Biotechnology, Mohali, Punjab. He has been conducting customised skilling and communication workshops since 2014.... more

Question by Sandeep on Jan 20, 2024Hindi

Relationship

I am 52 year and feel very lonely. On the advice of my doctor, started searching for a life partner on Shaadi.com, however most of the profiles are either fake or scammers. It just happened that I had almost ?125, 000 to an NRI. Should I file a police case against Shaadi.com as the profiles do not have photos, KYC document verification and fake information. Please help.

Ans: Didn't get your question regarding 125,000? Shaadi. Com is not the right place to look for girls. Meet girls in real life and then choose, others wise you'll end up in a transactional relationship. Despite being with her, you'll feel lonely.

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Love Guru |187 Answers |Ask -Follow

Relationships Expert - Answered on Oct 28, 2022

Question by LFL - Oct 28, 2022Hindi

Relationship

Dear Love Guru,I have put my profile on the shaadi sites.But I don’t want to marry like that.I am looking for love.What can I do?Sincerely,Looking for Love

Dear Looking for Love

Well, if you're looking for love, then there's no harm in looking on the Internet too, is there?

You don't have to marry someone based off their profile, you can meet new people and if you find someone interesting, take it forward.

Nobody is forcing you into virtual wedded bliss!

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Ravi Mittal |178 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 17, 2023

Question by A - Apr 13, 2023Hindi

Relationship

Why it is so that all dating websites have fake profiles or crooks are available instead of genuine common people who can interact and do friendship. OR how can we identify the fake profiles etc.? or is there any genuine dating site with profiles duly verified? Pl. advice.

Ans: Dear A,

It is true that a small portion of deviants make it through the air-tight security that most dating apps provide, but it wouldn't be right to say that there are no genuine people who are interested in interacting or being friends. In fact, a large majority of our users are in the app seeking friendship.

Here and there, you might find some spammy profiles that got through, despite a dating app’s best efforts. Report any suspicious profile as soon as you recognize them as fake users; I assure you that most dating apps take prompt action after checking the genuinity of the report.

Here are some ways to identify a fake profile:

• While some people do not put up their own pictures due to privacy issues, there will be at least a picture of an animal, some random scenery, or wallpapers. But a profile that has a blank space for a display image is more likely a fake one.
• Beware of suspicious first messages with a user directly sharing their number.
• Let's say, you have been talking to someone. If you notice inconsistencies in their stories, it might be a fake profile. Even if they aren't one, it's best not to be in contact with people starting a relationship with lies.
• Financial talks- discussing money or asking for money- during the chatting phase is a big red flag.

Hope this helps.

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Anu Krishna |832 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Question by Guru - Apr 21, 2024Hindi

Relationship

After working in USA for 8!yrs,purchased villa,car there,greencard cleared 2nd stage,I came to India in 2008 to get married and go back to USA. I was working in trivandrum as a IT professional and company which had partnership with company in USA, gave me time to get married and afterwards had plans to send me to USA , transfer to my parent company and process my greencard for 3rd stage. Through a marriage broker from my native place davanagere, I was married to a woman from gulbarga.her health was not good from day one and her parents going thru divorce. Her father instead of giving divorce to her mother,locked her in a compound in gulbarga with dogs and did not allow her to go out of compound for years and she passed away in 2013.even though a daughter born to my wife,me, daughter has heart surgery in 2011 and doctors suggested a surgery for wife. After wife's mother passed away in 2013,her father kidnapped my daughter,wife and did not allow them to come back and also had a ex parte divorce filed from my wife. I have been receiving news that my daughter was attacked in gulbarga compound in 2020 and passed away.but it could not be confirmed. My 35+ visits to gulbarga did not yield a visitation to my daughter. My lawyers in Bangalore, gulbarga suggested me to find a new woman and get married since 2020. Even though while I worked in Honeywell since 2016, I found a good woman, relationship could not be pursued. However since 06/2018,I am free to pursue a woman and get into relationship/marriage. I am staying alone since 6+ yrs in Bangalore,I have no wife/girlfriend living with me. I also do not have any kids living with me. It will take some time to find a woman and get married (my father,uncle passed away in last 3 yrs and my mother is in late 70s and no one helping me to get married). 2 weeks back I was invited to attend a jewellery shop inauguration at Kadapa AP which was attended by Telugu actress Sreeleela. She also performed a dance which I am very impressed. I saw her several videos and daily watch her many songs.She is in the right age, very rich and if she gets into relationship with me,it will solve all my problems and I will also support her in her career ie acting plus doctors job and it will be a win-win scenario. I do not have her direct contact info nor there is a coordinator who will coordinate between us.pleqse advise further on how to proceed further

Ans: Dear Guru,
I am truly sorry to hear of the hardships that you have faced.
Instead of living in a dream world, why not instead focus on going the usual route of finding someone who is like-minded and shares the same value systems as you?
And what is this statement that if you marry this actress, all your problems will be solved? Does she want to solve your problems or do you think she is waiting to marry you and solve your problems? Please step out of this dream world, get real!

I suggest that you rebuild your life sensibly and eventually if the right person also is interested in you (if she's a celebrity, then Congratulations), then move on with life by chalking out the path realistically. The person you look for must also align with your life's goals and your values...focus on this...

And sorry if this is going to sound rude to you: This platform is not for people to request Gurus to find out numbers of celebrities or their managers BUT for people to reach out to Gurus who can guide them with their life's challenges.

All the best!

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Ravi Mittal |178 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 30, 2024

Asked by Anonymous - Apr 24, 2024Hindi

Relationship

Hi. I am a muslim girl. I am in a relationship from 5 years. Me and my boyfriend loves each other a lot and we are very close as well. His family also likes me and accepted me. One more thing is that he is my relative. So my family also knows their family well and other relatives too know them. The problem is my family is not agreeing for the marriage as his family once upon a time asked financial help from my other relatives as for some reason they were not in good condition. However, they are now financially stable and ready for the marriage. But my family mix with one evil relative and she said very bad things about my bfs family which are not true. My family will never agree for the marriage. I tried many times to make them understand but they have too much ego. They want me to marry a rich guy so that they can show off to other people whether I am happy or not. Since childhood I have no good bonding with my parents due to their selfish nature. Moreover, other relatives never talked bad about my bf and his family. My family told me to not talk to him ever but I still talk to him as I truly feel he is my soulmate. What should I do at this situation?

Ans: Dear Anonymous,

I am sorry to hear that you are going through a rough patch. Sometimes parents make decisions on our behalf without understanding what it is that we want; that doesn't necessarily mean that our parents are selfish. More often than not, they do it with our best intentions in mind. You might be misunderstanding your parents wanting to show off a rich son-in-law. It is possible that they want you to have an easy life. Having said that, it is also important that your feelings be taken into consideration. You have been with your partner for five years and that is a significant amount of time. I suggest you try to reason with your parents. You can try bringing them all together and ask both your parents and your boyfriend's parents to talk it out. If there is clear communication, nothing will be left to assumptions. Next, keep on mentioning all the positive things about your partner. Try to etch that in your parents' mind. Third, if you are not working, I suggest you start looking for a job. Regardless of your parents', husband's, and his family's financial conditions, you should have financial freedom. You can also contribute to building a better life for yourself and your family.
I am sure your boyfriend and his family are amazing; you have spent five years with him and that should give you a fair idea. But just a gentle reminder, no one can be sure of someone's true nature till they start living together. I am not insinuating that your relatives are right about badmouthing your partner's family; all I am suggesting is that you look into it a bit more thoroughly. Marriage is indeed a big decision and rushing into it would be foolish.
And one more thing, it's just a phase. Tough times don't last forever.

Best Wishes!

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Samraat Jadhav |1697 Answers |Ask -Follow

Stock Market Expert - Answered on Apr 30, 2024

Asked by Anonymous - Apr 25, 2024Hindi

Money

I am senior citizen n hve invested my money n my wife’s money in credit bulls During Dec.23 n Feb24.my wife received Intrest for 2 months only n nothing to my ac. We are u unable to contact by phone or w/Up ? What we should do to recove our amount n what is latest status of the company for returning of deposit

Ans: its a scam sir, please contact police

(more)

Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Ramasamy - Jul 20, 2023Hindi

Money

Hello Hardik, Iam 40 Years and have started investing in SIP for the past 6 months.Below are my monthly investment 1. Parag Parikh Flexi Cap Regular Growth - 3500 2. Canara Robeco Small Cap Fund Growth - 3000 3. HDFC Retirement Savings Fund Equity Growth - 3000 4. NPS - 3500 I am planning for 18 Years of investment and aiming to slowly increase the SIP to achieve corpus of 2.5-3.0 Cr. Kindly review and advice. Regards, Ram

Ans: Hi Ram,

It's great to see that you've started investing systematically towards your long-term financial goals. Here's a review of your current SIP investments:

Parag Parikh Flexi Cap Regular Growth: This fund follows a diversified approach across various market caps and geographical regions, which can provide stability to your portfolio. It's suitable for long-term wealth creation.
Canara Robeco Small Cap Fund Growth: Small-cap funds can be volatile in the short term but have the potential to offer high returns over the long term. Ensure you're comfortable with the risk associated with small-cap investments.
HDFC Retirement Savings Fund Equity Growth: This fund is designed to provide wealth accumulation for retirement. It's aligned with your long-term investment horizon and retirement goal.
NPS: The National Pension System (NPS) is a retirement-focused investment option offering tax benefits. It's prudent to contribute to NPS alongside other investments for retirement planning.
To achieve your target corpus of 2.5-3.0 Cr over 18 years, consider periodically reviewing your SIP contributions and adjusting them based on changes in your income, expenses, and market conditions. Additionally, diversify across asset classes to manage risk effectively.

As your financial goals evolve, consider consulting with a Certified Financial Planner to ensure your investment strategy remains aligned with your objectives.

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Gautham - Oct 03, 2023Hindi

Money

Dear sir, I have to make sip for 1000 rs within a time horizon for 28 months for specific goal plz suggest MF for short term

Ans: For a short-term investment horizon of 28 months, it's important to prioritize stability and minimize risk. Consider mutual funds that focus on debt instruments or conservative equity strategies. Debt funds like short-term debt funds or ultra-short duration funds can be suitable for short-term goals as they provide relatively stable returns with lower volatility compared to equity funds.

Additionally, you may explore conservative hybrid funds that invest in a mix of debt and equity securities, with a larger allocation towards debt instruments. These funds aim to provide capital preservation while offering some potential for growth.

Before investing, ensure to assess the fund's past performance, expense ratio, and investment strategy to align with your risk tolerance and investment objectives. It's advisable to consult with a Certified Financial Planner for personalized advice based on your specific financial situation and goals.

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Sanjeev - Sep 26, 2023Hindi

Money

Hello Sir This Sanjeev Kumar, From Himachal Pradesh. Below are my Investments. Sir I would like to known that Is my portfolio good enough to get better return. I want to accumulate 20 to 30 lakhs in next 10 to 12 years from below investment. Also suggest me that whether, below MF are good enough, or reshuffling is required. 1. Aditya Birla Sun life Multi Cap Fund-regular growth --- Rs 1000/- 2. Invesco India Flexi Cap Fund-regular plan growth ---- Rs 1000/- 3. Invesco Multicap fund-Regular growth --- Rs 1000/- 4. Kotak Emerging Equity fund growth ---- Rs 1000/- 5. Kotak tax saver fund growth (ELSS) ---Rs 500 /- 6. Kotak multi cap fund --------- Rs 1000/- 7. Union long term equity fund growth regular plan ----- Rs 1500/- 8. Nippon India Flexi cap fund ----------- Rs 1000/- 9. LIC ------------------ 51000 /- (Annually). 10. PPF -------------- 1.5 lac (Annually, Since 2015). 11. NPS ------------ 50000 /- (Annually).

Ans: Hello Sanjeev,

Your investment portfolio appears to be diversified with a mix of mutual funds, insurance, and other instruments. Diversification is key to managing risk and potentially achieving better returns over the long term. However, it's essential to periodically review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

Consider assessing the performance of each mutual fund regularly and comparing it with benchmark indices and peer funds. If any fund consistently underperforms or if your investment goals change, you may consider reshuffling your investments.

Additionally, continue contributing to instruments like PPF and NPS, as they offer tax benefits and long-term wealth accumulation opportunities. Remember, investing is a journey, and staying disciplined while focusing on your goals will increase your chances of achieving financial success.

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Dhiraj - Aug 28, 2023Hindi

Money

My relative want to invest 1 lakh rupees on Open ended Mutual Fund, suggest any good ones.

Ans: For a 1 lakh rupee investment in an open-ended mutual fund, it's essential to consider factors like investment goals, risk tolerance, and investment horizon. Here are a few options across different categories:

Large Cap Funds: These funds invest in well-established companies with stable earnings. They offer relatively lower risk compared to mid and small-cap funds.
Multi-Cap Funds: These funds invest across large, mid, and small-cap stocks, providing diversification and the potential for higher returns.
Balanced Funds: These funds invest in a mix of equity and debt instruments, offering a balance between risk and return.
Index Funds: These funds passively track a market index like the Nifty or Sensex, offering low-cost exposure to the broader market.
Tax-Saving (ELSS) Funds: These funds offer tax benefits under Section 80C of the Income Tax Act along with the potential for capital appreciation.
Ensure to assess your relative's investment objectives, risk tolerance, and investment horizon before making any investment decisions. Additionally, consulting with a financial advisor or mutual fund expert can provide personalized recommendations tailored to their specific needs and goals.

(more)

Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Rajneesh - Sep 15, 2023Hindi

Money

Hello Dev ji, hope you’re doing good. I have the following MFs running (except SBI, all are barely 6 months old) for which I want your advice and guidance on change of scheme or reshuffling of amount or whatever. SBI Contra: 15k per month SBI Small Cap: 20k per month SBI Equity Hybrid: 5k per month Quant Small Cap: 25k per month Quant Mid Cap: 10k per month Quant Flexi Cap: 8k per month Tata Digital India Fund: 12k per month Nippon India Growth: 5k per month Nippon India Nifty Smallcap 250: 2.5k per month Parag Parikh Flexi Cap: 7k per month Motilal Oswal Nasdaq 100: 5k per month ICICI Technology: 5k per month ICICI Transportation & Logistics Fund: 2.5 k per month HDFC Transportation & Logistics Fund: 5k per month UTI Flexi Cap: 5k per month Total investment: 1.34 Lac per month My goal is to create a corpus of about 3 cr in next 7 yrs. please suggest if I’m on the right track. Recently I did the portfolio balancing and terminated Axis MF schemes as they were not yielding good returns. Btw, my existing investments in MFs have already created a corpus of 30L.

Ans: It's great to see you taking proactive steps towards managing your investments. Your diversified portfolio reflects a well-thought-out approach towards wealth creation. However, with a goal of accumulating 3 crores in the next 7 years, it's crucial to periodically review and rebalance your portfolio. Consider focusing on funds with a proven track record of consistent performance aligned with your risk tolerance and investment goals. Additionally, ensure that your portfolio reflects a balanced mix of equity and debt funds to mitigate risks effectively. Remember, the key to successful investing lies in staying informed, disciplined, and adaptable to changing market dynamics. Keep monitoring your investments regularly and don't hesitate to seek professional guidance when needed. Wishing you all the best on your financial journey!

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Deepak - Sep 14, 2023Hindi

Money

Im a 72 year old pensioner. Due to health condition I keep liquidity for sudden treatment in my bank account. these days returns in savings a/c is very less. Please suggest liquid/debt mf safe for parking funds for small and long duration. capital protection is must. Please consider capital protection and safety. You may suggest 03 funds for investing, i.e. less than 01 months, 1-6 months, more than 06 month. which is best fund house for DEBT MF's?

Ans: For short-term liquidity needs with capital protection as a priority, investing in liquid and ultra-short duration mutual funds can be a suitable option. Here are three categories of funds along with recommendations:

Less than 1 month:
Liquid Funds: These funds invest in very short-term money market instruments with a maturity of up to 91 days, ensuring high liquidity and stability.
Recommended Fund: Axis Liquid Fund, ICICI Prudential Liquid Fund, Aditya Birla Sun Life Liquid Fund.
1-6 months:
Ultra Short Duration Funds: These funds invest in debt and money market instruments with a slightly longer duration than liquid funds, typically up to 6 months.
Recommended Fund: Kotak Savings Fund, HDFC Ultra Short Term Fund, SBI Magnum Ultra Short Duration Fund.
More than 6 months:
Low Duration Funds: These funds invest in debt securities with a maturity between 6 months to 1 year, providing relatively higher returns than liquid and ultra-short duration funds.
However, it's essential to review the specific schemes offered by these fund houses and consult with a financial advisor to ensure they align with your investment goals and risk tolerance.

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Hemant - Sep 12, 2023Hindi

Money

Good after noon My Self Hemant Pal, age is 42 years. I am investing Rs 4000/M in DSP Small cap for last 8 years. I would like to invest more with horizon of 7 -15 years ( Two Kids, with the Daughter’s age 7 and son’s age 9 years). 8 years duration : for Son’s education purpose (approx. 50 lacs) 10 years: for Daughter’s education purpose (approx. 50 lacs) 14-15 years: for Marriage of both kids ( approx. 50 lacs each) Kindly advice for suitable MF.

Ans: Hemant, it's commendable that you're planning ahead for your children's education and marriage. Given your investment horizon of 7 to 15 years, here's a tailored suggestion:

Equity Mutual Funds for Long-Term Growth: Since you already have experience investing in DSP Small Cap, you may consider continuing with it for your son's education goal. For your daughter's education and both kids' marriage goals, you can diversify into a mix of large-cap, multi-cap, and balanced funds for stability and growth potential.
Large-Cap Funds: These funds invest in established companies with a proven track record. They offer stability and are suitable for long-term goals like education and marriage. Consider allocating a portion of your investment to large-cap funds to balance risk.
Multi-Cap Funds: These funds invest across companies of different market capitalizations, offering diversification and potential for higher returns. They are suitable for longer investment horizons and can help you achieve your goals over time.
Balanced Funds: Also known as hybrid funds, these invest in a mix of equity and debt instruments, providing a balanced approach to risk and return. They can be ideal for medium to long-term goals like education and marriage.
Regular Review and Rebalancing: Periodically review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance your portfolio if necessary to maintain the desired asset allocation.
Remember to consider factors like risk tolerance, investment horizon, and financial goals when selecting mutual funds. It's also advisable to consult with a certified financial planner for personalized advice based on your specific circumstances.

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Ramalingam Kalirajan |1154 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Sep 12, 2023Hindi

Money

Hi, Nikunj Saraf, For an investment horizon of 3years i have decided to make monthly 1000 SIP in HDFC Balanced Advantage Fund - Growth is it the right choice or should i opt any other Plz Suggest

Ans: Investing in HDFC Balanced Advantage Fund - Growth for a 3-year horizon can be a suitable choice due to its dynamic asset allocation strategy, which adjusts equity exposure based on market conditions. However, it's essential to consider your risk tolerance and investment goals before making a decision.

Since your investment horizon is relatively short-term (3 years), you may want to prioritize capital preservation and opt for a more conservative investment option. Balanced Advantage Funds like HDFC Balanced Advantage Fund typically aim for a mix of equity and debt instruments, offering potential for growth with reduced volatility. However, they still carry some level of market risk, especially in the equity portion.

Alternatively, you might consider debt funds or hybrid funds with a higher allocation to debt for a potentially more stable return profile over a 3-year period. It's advisable to consult with a financial advisor who can assess your individual financial situation and help you select the most suitable investment option based on your risk tolerance, financial goals, and time horizon.

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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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