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Should I Stay in a Relationship After 50 with No Support?

Anu

Anu Krishna  |1595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

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 - Oct 07, 2024Hindi
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Relationship

Mam i am a 52 year ols women i have never had a secure relationship only who wanted to have s.Marriage in proposals too dint work for me. At late 40 age i met a guy it was all good till start 1 year but since 3 years we just fight my fault to as i have no family no friends and all i have to look after 2 aged parents and i am deep involved my life is just that. This relationship is good to talk on phone as all i do is talk my problems 24 by 7 365 days which i understands upsets him. But i see no effort too from him for meeting planning dates and if i do i pay for it all he never pays . I lost interest felt disappointed after going on saying he never tries to make plans talk future his family finance. I am not sure what i should do stay or live my life alone which i was always doing.

Ans: Dear Anonymous,
Start fresh and if you had a clean slate, what would you want to draw on it?
All your miseries or what you actually want from life?
When you meet someone new and you dump your set of issues on them, how exactly do you think they are going to be interested in taking you out on a date?
Your prospective life partner is not a dumping yard for your life's problems BUT a person that is going to marry you and support you and who you can trust. And will you start this relationship by actually talking only about your problems? Honestly, you need to ask yourself if you will be interested in a guy who keeps ranting about all things going wrong...
Establish a connection by being on a positive ground and showing the other person that you care and also are interested in knowing about them. This interest will let them lower their guard down and actually connect with you at an emotional level and then you can pursue this as a potential life partner association...somewhere down the line, they will be genuinely interested in being a part of your challenges and that's when you make them your strength to solve these challenges. Am I making sense to you?
Do you see how you have been sabotaging your own future? Dust yourself, become genuinely interested in people not to dump your problems on them but to make a genuine connection and watch how things change for you. Prioritize your life not your problems!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Hey Anu, I am a 27 year old girl, employed. I was in a relationship with a man who was very caring and lovable but he was not earning well. I used to help him financially. He used to say we will marry, have a family and all that. I was thrilled by his commitment and made me more desperate. His bhabhi had filed a case against his family which he says is completely false and I do believe that he is right. That is not the problem. After the case he has become too negative. He says I’m not thinking about marriage; let's be practical and work on our relationship (when he was under jail, we used to have a lot of fights and I blamed him several times. I don't know if I should have done that or not. I used to tell him you used me according to your needs)My question is should I support him and be with him or just leave everything as I don’t find a connection between us? If I say let’s end it, he puts all the emotional baggage on me. Help me out
Ans:

Dear R,

And what exactly more do you want as evidence for you to value yourself much more?

His being in jail wasn’t enough? Whether he was falsely accused or not is something that you will never know.

Yet, you want to look the other way and give him the benefit of doubt on a man who hasn’t managed to stand on his own feet.

The fact that you feel used is perhaps stemming from your inner voice and you are just protecting yourself.

If you support him, you are always going to wonder whether him going to jail was under a false accusation or not.

So, think if you want to spend time with someone who is dependent on you emotionally and financially and someone who possibly has a hidden past.

Be happy and wise!

..Read more

Kanchan

Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 05, 2023

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Hello mam!! I have been in a relationship since last 3 years and the guy work like normally but expect from me to not work after marriage as according to him it's not a good thing. I sacrifice all mu thoughts and value for him whatever he said i did but he started disrespecting me from words because of his frustration in life. I was like maybe he will not gonna do like this next time but cycle keeps going from like5 to 6 month and finally i decided to stand leave he also follows a pattern to be with me for a time and zoned out himself for like a month and suddenly came and behave normally i was accepting that even without questioning but now he got a decent job and want to marry me with the above conditions he was already made. So what should i do i don't want to think twice with my decisions but it hurt as well
Ans: My Dear Nikita,

It sounds like you have been in a challenging situation for some time, where you have been sacrificing your values and thoughts for your partner, and he has been disrespecting you with his words and behavior. It's important to remember that no one deserves to be treated with disrespect in a relationship.

It's understandable that it hurts to think about leaving the relationship, especially after investing so much time and effort into it. However, you need to prioritize your own well-being and happiness, and it seems like this relationship is not fulfilling that for you.

It's important to have a clear and honest conversation with your partner about your feelings and concerns. Let him know that his behavior has been hurtful, and that you cannot accept his condition of not working after marriage. It's important to communicate your boundaries and what you need from the relationship.

If he is not willing to respect your boundaries and make changes to improve the relationship, it may be time to consider ending it. Remember that you deserve to be in a relationship where you are respected, valued, and your needs are met. It may be difficult, but prioritizing your own well-being is important for your long-term happiness.

..Read more

Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 24, 2023

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Hello sir!! I have been in a relationship since last 3 years and the guy work like normally but expect from me to not work after marriage as according to him it's not a good thing. I sacrifice all mu thoughts and value for him whatever he said i did but he started disrespecting me from words because of his frustration in life. I was like maybe he will not gonna do like this next time but cycle keeps going from like5 to 6 month and finally i decided to stand leave he also follows a pattern to be with me for a time and zoned out himself for like a month and suddenly came and behave normally i was accepting that even without questioning but now he got a decent job and want to marry me with the above conditions he was already made. So what should i do i don't want to think twice with my decisions but it hurt as well
Ans: I'm sorry to hear that you are in a difficult situation. It is never okay for someone to disrespect you or your values, regardless of their frustration in life. It's important to remember that you deserve to be treated with respect and dignity in any relationship.

It sounds like you have already made the decision to leave the relationship, which is a brave and important step towards taking care of yourself. It may be helpful to remind yourself of the reasons why you made that decision, and to focus on your own values and needs.

If you are still feeling hurt and uncertain about the situation, it may be helpful to seek support from trusted friends or family members, or consider speaking with a therapist. They can help you process your emotions and provide guidance as you navigate this difficult time.

Remember, you have the power to make choices that are best for you and your well-being. Trust yourself and prioritize your own needs and happiness.

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Kanchan Rai  |581 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Oct 03, 2024Hindi
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Madam am working women of age 28 working for past 5 years , I am in living relationship with my boyfriend who is 38 now. I want to do marriage and settle now but my partner doesn't feel necessary to do marriage and if I force he is telling he will do court marriage which am not interested to do. He is not ready to meet or convince my parents for marriage . I have given him money for buying a property which I was least interested. He started controlling all my finances which I felt incorrect so I questioned him which made his ego hurt and he has hit me twice. My parents are now telling me to get married but I don't know what to do. Sometimes when he ia not around I tried talking to other guys in dating app which afterwards am feeling guilty for cheating him. Nowadays I lost interest in everything I don't have courage to end my life so not able to concentrate on my work. Please tell me what I need to do to correct my path as it's getting hell day by day.
Ans: Right now, it might be helpful to take a step back from the relationship to regain your sense of self and control over your life. Talking to a trusted friend, family member, or even a counselor could help you find clarity, and having a support system can make it easier to make decisions that protect your well-being.

It’s understandable that you feel torn, especially since you’ve invested years and finances into this relationship. But it’s important to remember that you deserve a relationship where you feel valued, safe, and equal. The feelings of guilt about talking to others on dating apps are natural, but they’re also a sign that you might be searching for connection and respect that you’re not receiving in your current relationship.

Consider reclaiming control over your finances immediately. Seek guidance on how to separate your financial dealings from him, as it’s essential for you to be able to support and manage yourself independently. Ending this relationship might be difficult, but it could also give you the freedom to rebuild your confidence, focus on your goals, and find the stability and respect you deserve.

It’s clear that you’re strong enough to make changes; the courage you’ve shown in questioning his control and sharing your story here is proof. With the support of loved ones and professionals, you can find a way out of this painful situation and start building a life that brings you peace and happiness.

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Milind

Milind Vadjikar  |1199 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Apr 29, 2025

Money
I am 41 years old male working in a private firm and investing from 2017 in MFs and accumulated around 20 lakhs. My target is to achieve 3 crores in 15 years ( from 2025 ) . My portfolio is given below , Apart from MF investing NPS & PPF and some times in Direct equity. Question : 1) Is my fund selection ok , With this current Portfolio along with 10 % Stepup can i achieve my goal. 2) Is SBI blue chip & HSBC small cap funds ok or do I switch to other funds ? 3) Want to invest 5000 more, in which fund should I allocate ? 4) Shall I stop PPF and that money I divert to a mutual fund? 5) Some other funds are also there in my portfolio which I stopped SIP but did not withdraw the amount. What is the best strategy in this case? Mutual Funds S/no Fund name Amount (RS) /month 1 SBI Blue Chip fund 5000 2 Parag Parikh Flexi Cap fund 10000 3 Kotak Multicap Fund 5000 4 Motilal Oswal Mid Cap fund 10000 5 HDFC Mid Cap opportunities 5000 7 HSBC Small Cap fund 5000 8 Nippon India Small Cap fund 5000 Total 45000 S/no NPS Amount (RS) /month 1 Tier -1 7000 2 Tier -2 3000 PPF Amount (RS) / year 1 ICICI PPF 60000
Ans: Hello;

Please find pointwise reply to your queries:

1. You already have allocation to small and mid caps through Flexi cap and multicap funds. Despite that you may have additional allocation to One dedicated mid and small cap fund but not two!

The monthly sip's into second small cap and midcap fund may instead be moved to an aggressive hybrid type mutual fund and multi asset allocation type mutual fund.

You may achieve your target with the proposed step up(10%) planned even considering 10% modest returns from MF investments.

2. Funds are okay however you need to review risk-adjusted performance every year with reference to the benchmark and category average and then decide suitably.

3. You may invest additional 5 K in gold mutual fund.

4. Keep contributing to PPF. It's a social security scheme and goes towards sovereign debt in your overall asset allocation.

5. Review past MF holding in line with your overall asset allocation, portfolio overlap, risk adjusted performance and decide as appropriate.

You may select and avoid funds from suggested categories based on risk adjusted performance criteria.

This being a neutral forum we are prohibited to recommend xyz fund.

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Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

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Hi Madam, I purchased 200gm of RBI Sovereign gold bond in August 2020. Should i go for early redemption or wait for 8 years .Regards Puneet Dave
Ans: You have invested in RBI Sovereign Gold Bonds (SGBs) in August 2020. You hold 200 grams, which is a sizeable investment. You are now considering whether to redeem early or hold till maturity. Let’s assess from all angles.

 
 
Understanding Your SGB Investment

 
 

You bought it in August 2020. The 8-year maturity will be in August 2028.

 
 

So, 3.5+ years are over. Around 4.5 years are still left.

 
 

You earn 2.5% annual interest on the issue price. That is paid half-yearly.

 
 

At maturity, you get full market value of gold (as per RBI price on maturity date).

 
 

Gains at maturity are fully tax-free if held till 8 years. This is the biggest advantage.

 
 
Early Redemption – What You Should Know

 
 

RBI allows early exit only after 5 years, and that too only on interest payout dates.

 
 

If you redeem before 8 years, capital gains are taxable.

 
 

Gains will be taxed at 20% after indexation if held more than 3 years.

 
 

That reduces the post-tax returns. You lose the full tax-free benefit.

 
 

Also, if you sell in the secondary market, prices may be lower than actual value.

 
 
Why It’s Better to Hold Till Maturity

 
 

The biggest reason to hold is zero tax on capital gains after 8 years.

 
 

You also continue to earn 2.5% annual interest, which is over and above gold price return.

 
 

The longer you stay, the more you benefit from compounding on gold price growth.

 
 

Your total return = Gold appreciation + 2.5% interest + Zero tax. This is unmatched.

 
 

Selling now will only give you part of this benefit. You will lose long-term compounding.

 
 
When Early Exit Can Be Considered

 
 

If you are in urgent need of money, then only consider early redemption.

 
 

If you are switching to another asset for a defined financial goal, then it's acceptable.

 
 

But even then, use the RBI redemption window (after 5 years), not the market.

 
 

Don’t sell SGBs on stock exchange. It gives lower price and liquidity is poor.

 
 
Suggested Action Plan for You

 
 

You have waited for 3.5 years. Just wait for the remaining 4.5 years.

 
 

You will get full value with 0% tax, which no other gold investment gives.

 
 

Keep the 2.5% interest going to your bank account. Use it or reinvest it.

 
 

Review again after August 2025 (5 years). But likely, maturity will be best option.

 
 

Holding till August 2028 will give you the maximum financial benefit.

 
 
Final Insights

 
 

Your SGB investment is in the right direction. It gives safe, tax-efficient, and stable returns.

 
 

Holding it till maturity is almost always the best choice unless there is urgent need.

 
 

Don’t be influenced by short-term gold price movements. Let it grow tax-free.

 
 

You have made a smart decision in 2020. Just give it the full 8 years to reward you.

 
 

Best Regards,
 
K. Ramalingam, MBA, CFP
 
Chief Financial Planner
 
www.holisticinvestment.in
 
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Asked by Anonymous - Apr 29, 2025
Money
I am 43 years old and an aggressive investor and I started investing 1 lac per month in SIP in 2019. These are my current funds of 20k each per month : 1. CANARA ROBECO EMERGING EQUITIES 2. HDFC MID-CAP OPPORTUNITIES FUND 3. SBI FLEXICAP FUND 4. ICICI PRUDENTIAL BLUECHIP FUND 5. NIPPON INDIA SMALL CAP FUND In 2024, i started to invest another 1.8 lacs per month split in the following funds : 6. Quant Small Cap Fund 7. Motilal Oswal Midcap Fund 8. Canara Robeco Infrastructure 9. Quant Large and Mid Cap Fund 10. Bandhan Small cap Fund 11. Quant Commodities Fund 12. LIC MF Manufacturing Fund 13. Quant Dynamic Asset Allocation Fund 14. INVESCO INDIA LARGE AND MID CAP FUND 15. SBI Automotive Opportunities Fund 16. Motilal Oswal Large and Midcap Fund Could you share your views on my overall portfolio please, and if I should change any of them ? I am a long term investor and not in any hurry to sell. Thanks
Ans: You have shown strong commitment. Investing Rs. 1 lakh monthly since 2019 is highly disciplined. Adding Rs. 1.8 lakh more monthly in 2024 further shows your aggressive mindset and future planning.

Let me assess your portfolio thoroughly, from all angles. I will explain every layer of your mutual fund selection and offer insights for improvements. Your portfolio has both strengths and gaps. Let’s examine it part by part.

 
 
Your Risk Profile and Time Horizon

 
 

You are 43. Retirement may still be 15+ years away. Time is on your side.

 
 

You have clearly defined yourself as an aggressive investor. That’s good.

 
 

You are not looking for short-term exits. That’s ideal for equity investments.

 
 

You are mentally strong for market ups and downs. Patience is your strength.

 
 
Your Monthly Commitment and Fund Spread

 
 

You invest Rs. 2.8 lakh per month. That’s a huge amount. Very few do this.

 
 

You are split across 16 funds. That’s on the higher side. Needs review.

 
 

Too many funds reduce focus. You don’t get full advantage from each fund.

 
 

There’s fund overlap. You’re holding multiple funds in similar categories.

 
 
Fund Category Allocation Overview

 
 

Let’s look at your fund categories. We will see where you are strong and where things are scattered.

 
 

Small Cap Funds – You hold 4 small cap funds. That’s too many.

 
 

Mid Cap Funds – You hold 3 mid cap funds. That’s slightly high.

 
 

Flexicap / Large & Mid Cap – You have 4 funds here. Needs cleanup.

 
 

Bluechip / Large Cap – Only 1 fund here. Slightly under-represented.

 
 

Thematic / Sectoral Funds – You have 4 funds here. That is risky.

 
 

Dynamic Asset Allocation – You have 1 fund here. That adds balance.

 
 
Your Portfolio Strengths

 
 

Let’s appreciate what’s working well in your portfolio.

 
 

You have shown long-term vision. Most investors can’t hold on patiently.

 
 

You have a good mix of mid, small and flexicap funds. Growth-oriented.

 
 

You have started SIP early and maintained consistency. That builds wealth.

 
 

Your fund choices include a few high-quality performers. That’s commendable.

 
 

You have added new funds in 2024. That shows adaptability and planning.

 
 
Areas That Need Immediate Attention

 
 

Now let’s look at areas which need a clean-up or some correction.

 
 

Too Many Funds: 16 is too many. Even 8 to 10 is enough. Reduce clutter.

 
 

Too Many Small Cap Funds: 4 small caps can add high risk and volatility.

 
 

Overlapping Categories: Some midcap and flexicap funds behave similarly.

 
 

Too Much Sector Exposure: Infrastructure, Commodities, Auto, Manufacturing – that’s high sector risk.

 
 

Unstable Funds: Some thematic funds do well in cycles. Not suitable for SIP always.

 
 

Missing Debt Allocation: Even aggressive investors need some debt buffer. None seen.

 
 
Suggested Adjustments to Your Portfolio

 
 

Let’s work on a 360-degree improvement plan. Keep it practical and action-oriented.

 
 

Reduce Fund Count: Bring it down to around 8-10 funds. Better tracking and performance.

 
 

Limit Small Cap Funds: Keep only 2 small cap funds. Choose based on past 5-year track.

 
 

Mid Cap Funds: Keep only 2 best-performing midcap funds. Avoid redundancy.

 
 

Flexicap or Large & Mid Cap: Keep 2 funds from this group. Review performance, not names.

 
 

Sector Funds: Choose only 1 or max 2. Prefer long-term stable sectors.

 
 

Add a Balanced Fund: Include 1 balanced advantage or dynamic allocation fund. That helps in market correction phases.

 
 

Review Every 6 Months: Don’t hold laggards. Evaluate every 6 months with your MFD with CFP credential.

 
 

Avoid Direct Plans: Stick to regular plans. You get advisory, service, and emotional coaching.

 
 

Direct funds seem cheaper, but long-term mistakes cost more. Regular funds through a qualified CFP help in discipline.

 
 
Understanding Sector and Thematic Funds

 
 

You hold infrastructure, commodities, auto, and manufacturing funds. These sectors are cyclical.

 
 

These can give sudden highs, but also long flat phases. SIP in sector funds may not suit everyone.

 
 

Keep exposure limited to 10-15% of portfolio. Don’t exceed this.

 
 

Sectoral funds need regular review. If the cycle turns, exit and shift to diversified funds.

 
 

Infrastructure and auto can be held longer term. But commodities and manufacturing are highly volatile.

 
 
Importance of Professional Guidance

 
 

You are handling Rs. 2.8 lakh monthly. That’s a large portfolio in the making.

 
 

A certified financial planner helps in making fund selection efficient.

 
 

They offer risk alignment, taxation insights, rebalancing strategy and emotional handholding.

 
 

Avoid trial and error. Stick with a long-term plan. Don’t get influenced by social media noise.

 
 

Emotional investing hurts performance. A CFP brings clarity and structure.

 
 
Asset Allocation for 43-Year-Old Aggressive Investor

 
 

Let’s look at a suggested structure for you.

 
 

Large Cap + Flexicap + Large & Mid Cap Funds: Around 40-45%

 
 

Mid Cap Funds: Around 25-30%

 
 

Small Cap Funds: Not more than 15%

 
 

Sectoral + Thematic Funds: Around 10%

 
 

Balanced / Hybrid Fund: 5-10% for cushioning market corrections

 
 

This brings balance, growth and flexibility.

 
 
Avoiding Common Pitfalls

 
 

You are already advanced in your investing. Still, let’s watch out for some key mistakes.

 
 

Don't Chase Past Returns: Every year’s winner won’t repeat. Look at long-term consistency.

 
 

Avoid Frequent Switching: Let SIPs run for 5-7 years to show full potential.

 
 

Don’t React to Market News: Volatility is natural. Stay calm. Don’t stop SIPs in correction.

 
 

Monitor Fund Manager Changes: If a top-performing fund loses its manager, review it closely.

 
 

Track Portfolio, Not Just Individual Funds: Overall performance matters, not one or two funds.

 
 
MF Taxation Update as per 2024 Rules

 
 

New tax rules are important. Let’s simplify them for you.

 
 

Equity MF LTCG: Above Rs. 1.25 lakh gain per year taxed at 12.5%

 
 

Equity MF STCG: Short-term capital gains taxed at 20%

 
 

Debt MFs: All gains taxed as per your income tax slab. No LTCG benefit now.

 
 

So it’s even more important to hold funds for 3-5 years minimum.

 
 
Finally

 
 

You have done the most important part – start early, invest regularly, and increase investment over time.

 
 

But now the next step is to simplify, consolidate and add structure.

 
 

Cut down fund count. Avoid theme overload. Maintain allocation. Stick to long term.

 
 

Have a goal-based approach with a certified financial planner. Stay calm in market corrections.

 
 

Your portfolio can create real wealth. Just stay disciplined and focused.

 
 

Best Regards,
 
K. Ramalingam, MBA, CFP
 
Chief Financial Planner
 
www.holisticinvestment.in
 
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8314 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2025

Money
Hello. should i continue investing in Hybrid equity funds or should i shift those funds to midcap and index funds??
Ans: You are currently investing in hybrid equity funds.
Now you're thinking of shifting to midcap or index funds.

Let’s analyse each of these based on your possible goals and situation.

First, Let’s Understand Hybrid Equity Funds
Hybrid equity funds balance equity and debt in one fund.

They offer stability from debt and growth from equity.

They are good if you want moderate returns with lower volatility.

Suitable if your goal is 3 to 5 years away or if you are conservative.

Gives a smoother ride during market ups and downs.

What Happens If You Move to Midcap Funds?
Midcap funds invest in medium-sized companies with high growth potential.

But midcap funds are very volatile in the short term.

Risk is much higher, though potential return is also higher.

If your goal is more than 7 years away, and you can handle ups and downs, only then consider midcap funds.

Don’t shift to midcaps just because of recent past returns.

Midcaps require strong patience and discipline during market corrections.

What About Index Funds?
Index funds are passive funds that copy the market index.

They do not try to beat the market returns. They only match it.

They look attractive due to low cost, but they come with no downside protection.

When market falls, index funds fall fully with the market.

No active manager is there to protect you or take advantage of opportunities.

Returns are limited to index performance. No extra gain possible.

In fact, when markets are sideways or falling, index funds underperform active funds.

Key Disadvantages of Index Funds (You Must Know)
No flexibility during market ups and downs.

Zero risk management by fund manager.

Index funds follow index blindly, even if companies in index are poor.

If market goes down 30%, index fund will also fall 30%.

You are on your own, with no expert adjusting portfolio.

Index funds underperform actively managed funds in India over long term, especially in mid and small caps.

Index investing may look attractive in theory, but in real-world, it is less flexible and more risky.

Why Staying in Hybrid Equity Funds May Be Better
You get a good balance of risk and reward.

Debt portion cushions fall during market crash.

Better suited for income generation, goal planning, and retirement strategy.

Actively managed hybrid funds give better flexibility and better returns in volatile markets.

Hybrid funds have performed better than index funds in falling markets.

If You Want to Grow More Aggressively
You can slowly start investing a small part into actively managed midcap funds.

Start with 10%-15% of your portfolio in midcap.

Keep rest in hybrid funds for stability.

Increase midcap exposure only if you are comfortable with the volatility.

Don’t move entire amount to midcap or index funds at once.

Don’t Invest in Direct Funds (Important Insight)
Direct funds may look like they give more returns.

But in reality, you miss professional guidance and ongoing review.

Investing without a Certified Financial Planner (CFP) and MFD support leads to poor choices.

Many people choose wrong funds or wrong time to exit.

Regular plans with a good CFP and MFD help you stay disciplined and goal-focused.

Advice matters more than saving 0.5% cost in direct plans.

Final Insights
Hybrid funds give balanced growth and peace of mind.

Midcap funds are good, but only for long-term investors with high risk capacity.

Index funds look simple, but have no risk control and no potential to outperform.

Don’t shift completely from hybrid to index or midcap funds.

Stay in hybrid funds, and add midcap gradually under expert guidance.

Always invest through regular plans with support from a CFP-qualified MFD.

Ensure your portfolio is aligned with your goals, risk profile, and timeline.

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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