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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 26, 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 - Feb 19, 2024Hindi
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Relationship

Dear Sir, I am 52 and my wife is 43. I have a ver strong sex drive and urge however my wife doesnt like it at all. Through we still have almost daily once (sometimes twice) sex. She is not at all interested in sex and seems she does not like it because of no foreplay / heavy weight (she is 80kg). I dont like to do it forcefully but have no choice as I cannot go outside or have extra marital affairs. How can I increase her interest?

Ans: Dear Anonymous,
Sexual compatibility between couples if often a miracle. So, if there is a clear mismatch, there is also clearly a reason behind it. You stated it yourself: Lack of foreplay and your wife being overweight. So, take care of the foreplay part...what stops you from indulging in active foreplay that will get her going? There is no need to jump into the act and then complain about her not being interested in sex.
- Instead change course and pay attention to foreplay.
- Also, indulge in a lot of non-sexual forms of intimacy like cuddling, hugging etc that helps her connect with you at an emotional level and this could give way to the act.
- Pay her compliments and every once in a while surprise her with little gifts. It validates her presence and importance within the marriage.
The point that I am making is: shift focus on non-sexual intimacy first before jumping into the 'sex' part. You will see that, that bonding helps sexual compatibility.

The other part on her being overweight could also be a challenge as it can affect the way she perceives herself besides ill-health that can impact sex life greatly. Gently coax her into working out/exercising everyday with a good nutrition plan which will go a long way in not just physical fitness but an overall well-being in all areas of life. If it helps, the two of you can look at this together and make 'couple goals' to fitness and compatibility. It can keep both of you motivated and also encourage a good bond as well.

And oh! Please do not count the number of times you actually have sex. There's no competition and no medals awarded...Please bond better first...

All the best!

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Anu

Anu Krishna  |830 Answers  |Ask -

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

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Relationship
Hi Anu, We have been married for close to 8 years (2014). Had our first princess in 2015 and second princess in 2019. Before having the second one, my wife had a very good sex drive both mentally and physically.We were having intercourse for at least 3 times a week. But over a period of 3 years after our second child being born, my wife has lost interest. Sex has been like may be once in 30 to 45 days. I am not forcing her but rather trying my best to have those intimate moments like hugging tightly, kissing her, do a little bit of smooching, try to touch and kiss on sensitive areas like belly, feet, ear. But nothing is working and this desperateness is killing me inside. I need your advice on this. How do I ensure that my urge is satisfied? In what way do I engage my wife to have intimate moments and intercourse? This however should not come at the cost of hurting or pressurising her for my needs.
Ans:

Dear CM,

This is a common challenge that many couples I work with face.

Babies take away their freedom to become intimate and this causes a lot of tension between them.

So let’s break it down for you, yeah?

Your wife right now isn’t the same woman she was before.

Being a mom, and a full-time one at that, is a huge job. A seven year old and a three year old at home can only mean full-time attention to them and little time for herself. When a woman is focused on her role as a mom, she invariably forgets who she is or how she looks; her job as the primary caregiver is all that she knows and does.

She is invariably tired and will think about rest, not action, in the bedroom. This is something that I want you to understand. Be more empathetic towards this; maybe you already are!

Now, what you do for her outside of the bedroom will define what happens within the bedroom. So,
- When was the last time you complimented her on her good looks?
- When was the last time you offered to care for the children so that she could step out with her friends and have a good time?
- When was the last time you took her out for absolutely no reason and made her feel good about herself?
- When was the last time you volunteered to cook and take care of the home while she simply sits and relaxes?

Motherhood can be very challenging, especially when the children are young.

Maybe you have tried all this and I am not about to push you back and not consider your side of the story.

But hey, she’s the one who has carried the babies, so it’s natural she is going to be around them.

Do sit down together after the children are asleep and watch a movie.

Do ask the extended family to babysit the children while the two of you spend a day doing things that you did before the babies came along.

Be aware that as you focus on yourself and your pleasures, you might forget that she is missing them too and that, at this point, you can help her feel like a ‘woman’ again.

It takes two to tango. Nothing can be one-sided. It will only end up becoming a selfish act which I am sure you are aware of. Try what I have suggested and let me know.

All the best!

(more)
Anu

Anu Krishna  |830 Answers  |Ask -

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

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Relationship
Hi Anu, We have been married for close to 8 years (2014). Had our first princess in 2015 and second princess in 2019. Before having the second one, my wife had a very good sex drive both mentally and physically.We were having intercourse for at least 3 times a week. But over a period of 3 years after our second child being born, my wife has lost interest. Sex has been like may be once in 30 to 45 days. I am not forcing her but rather trying my best to have those intimate moments like hugging tightly, kissing her, do a little bit of smooching, try to touch and kiss on sensitive areas like belly, feet, ear. But nothing is working and this desperateness is killing me inside. I need your advice on this. How do I ensure that my urge is satisfied? In what way do I engage my wife to have intimate moments and intercourse? This however should not come at the cost of hurting or pressurising her for my needs.
Ans:

Dear CM,

This is a common challenge that many couples I work with face.

Babies take away their freedom to become intimate and this causes a lot of tension between them.

So let’s break it down for you, yeah?

Your wife right now isn’t the same woman she was before.

Being a mom, and a full-time one at that, is a huge job. A seven year old and a three year old at home can only mean full-time attention to them and little time for herself. When a woman is focused on her role as a mom, she invariably forgets who she is or how she looks; her job as the primary caregiver is all that she knows and does.

She is invariably tired and will think about rest, not action, in the bedroom. This is something that I want you to understand. Be more empathetic towards this; maybe you already are!

Now, what you do for her outside of the bedroom will define what happens within the bedroom. So,
- When was the last time you complimented her on her good looks?
- When was the last time you offered to care for the children so that she could step out with her friends and have a good time?
- When was the last time you took her out for absolutely no reason and made her feel good about herself?
- When was the last time you volunteered to cook and take care of the home while she simply sits and relaxes?

Motherhood can be very challenging, especially when the children are young.

Maybe you have tried all this and I am not about to push you back and not consider your side of the story.

But hey, she’s the one who has carried the babies, so it’s natural she is going to be around them.

Do sit down together after the children are asleep and watch a movie.

Do ask the extended family to babysit the children while the two of you spend a day doing things that you did before the babies came along.

Be aware that as you focus on yourself and your pleasures, you might forget that she is missing them too and that, at this point, you can help her feel like a ‘woman’ again.

It takes two to tango. Nothing can be one-sided. It will only end up becoming a selfish act which I am sure you are aware of. Try what I have suggested and let me know.

All the best!

 

(more)
Anu

Anu Krishna  |830 Answers  |Ask -

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

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Relationship
Hi Anu, We have been married for close to 8 years (2014). Had our first princess in 2015 and second princess in 2019. Before having the second one, my wife had a very good sex drive both mentally and physically.We were having intercourse for at least 3 times a week. But over a period of 3 years after our second child being born, my wife has lost interest. Sex has been like may be once in 30 to 45 days. I am not forcing her but rather trying my best to have those intimate moments like hugging tightly, kissing her, do a little bit of smooching, try to touch and kiss on sensitive areas like belly, feet, ear. But nothing is working and this desperateness is killing me inside. I need your advice on this. How do I ensure that my urge is satisfied? In what way do I engage my wife to have intimate moments and intercourse? This however should not come at the cost of hurting or pressurising her for my needs.
Ans:

Dear CM,

This is a common challenge that many couples I work with face.

Babies take away their freedom to become intimate and this causes a lot of tension between them.

So let’s break it down for you, yeah?

Your wife right now isn’t the same woman she was before.

Being a mom, and a full-time one at that, is a huge job. A seven year old and a three year old at home can only mean full-time attention to them and little time for herself. When a woman is focused on her role as a mom, she invariably forgets who she is or how she looks; her job as the primary caregiver is all that she knows and does.

She is invariably tired and will think about rest, not action, in the bedroom. This is something that I want you to understand. Be more empathetic towards this; maybe you already are!

Now, what you do for her outside of the bedroom will define what happens within the bedroom. So,
- When was the last time you complimented her on her good looks?
- When was the last time you offered to care for the children so that she could step out with her friends and have a good time?
- When was the last time you took her out for absolutely no reason and made her feel good about herself?
- When was the last time you volunteered to cook and take care of the home while she simply sits and relaxes?

Motherhood can be very challenging, especially when the children are young.

Maybe you have tried all this and I am not about to push you back and not consider your side of the story.

But hey, she’s the one who has carried the babies, so it’s natural she is going to be around them.

Do sit down together after the children are asleep and watch a movie.

Do ask the extended family to babysit the children while the two of you spend a day doing things that you did before the babies came along.

Be aware that as you focus on yourself and your pleasures, you might forget that she is missing them too and that, at this point, you can help her feel like a ‘woman’ again.

It takes two to tango. Nothing can be one-sided. It will only end up becoming a selfish act which I am sure you are aware of. Try what I have suggested and let me know.

All the best!

 

(more)
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Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

Asked by Anonymous - Nov 06, 2023Hindi
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I am 45 & my monthly SIP are as below - To have a final value of 10 cr in 12 years will below be enough ? UTI Nifty 50 Index Fund (G) - Direct plan - 50000/- Parag Parikh Flexicap Fund (G) - Direct plan - 50,000/- SBI Magnum Midcap Fund (G) Direct Plan - 15,000/- ICICI Prudential Equity and Debt Fund- G – Direct Plan - 15,000/- ICICI Prudential Gilt Fund- G – Direct Plan - 15,000/- Mirae Asset Emerging Bluechip Fund Growth - 5,000/- Bank RD - 20,000/-
Ans: Your portfolio seems well-diversified with exposure to various asset classes, including large-cap, flexi-cap, mid-cap, debt, and gilt funds. However, whether it will be enough to reach a final value of 10 crores in 12 years depends on several factors:

Investment Amount: The total monthly SIP amount you're investing is substantial, which is a positive factor.
Historical Performance: Assess the historical performance of the selected funds to gauge their potential for achieving your goal. Keep in mind that past performance is not indicative of future results.
Market Conditions: Market volatility and economic factors can impact the performance of your investments. Stay informed about market trends and adjust your portfolio as necessary.
Inflation and Returns: Consider the impact of inflation on your target amount of 10 crores. Ensure that your investments generate returns that outpace inflation to preserve your purchasing power.
Regular Review: Periodically review your portfolio's performance and make adjustments if needed to stay on track towards your goal.
It's advisable to consult with a Certified Financial Planner who can provide personalized advice based on your financial situation, risk tolerance, and goals. They can help you assess the feasibility of your target and make any necessary adjustments to your investment strategy.
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

Asked by Anonymous - Nov 06, 2023Hindi
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Hello Sir, I want to invest 6 lakhs in mutual funds in the next one year. My time period of investment is 10 years+ and the purpose is wealth creation. I am thinking of the following asset class distribution for my investment: Small Cap: 50% Mid Cap: 25% Gold: 25% Will this help me generate money? Any tips will be gratefully accepted.
Ans: Investing in mutual funds for wealth creation over a period of 10 years or more is a prudent decision. Your proposed asset class distribution of 50% in Small Cap, 25% in Mid Cap, and 25% in Gold can potentially yield favorable returns, but it's essential to consider some factors:

Risk Tolerance: Small and Mid Cap funds typically offer higher growth potential but come with higher volatility and risk. Ensure that you have the risk appetite to withstand market fluctuations.
Diversification: While focusing on specific asset classes like Small Cap and Mid Cap can provide growth opportunities, it's crucial to diversify within each asset class and across different sectors to mitigate risk.
Gold as a Hedge: Including Gold in your portfolio can act as a hedge against market volatility and inflation. It provides stability and serves as a diversification tool.
Regular Review: Periodically review your portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance if necessary to maintain your desired asset allocation.
Systematic Investing: Consider investing your 6 lakhs systematically over the next one year through SIPs (Systematic Investment Plans) to benefit from rupee-cost averaging and mitigate timing risk.
Remember that investing involves market risk, and past performance is not indicative of future results. It's advisable to consult with a Certified Financial Planner who can provide personalized advice based on your financial situation, goals, and risk tolerance. With a well-thought-out investment strategy and disciplined approach, you can work towards achieving your wealth creation objectives.
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

Asked by Anonymous - Nov 06, 2023Hindi
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Hello Sir. I want to create a secondary retirement corpus. Accordingly, I want to invest 6 lakhs in the next one year (starting from Jan 2024). My investment period will be 20 years. Pls suggest 6-7 Mutual funds for the same. Thanks.
Ans: Creating a secondary retirement corpus is a smart move for securing your financial future. Here are some suggestions for mutual funds that you can consider for your investment:

Large Cap Funds: Invest in well-established companies with stable returns and lower volatility.
Mid Cap Funds: Aim for higher growth potential by investing in mid-sized companies with room for expansion.
Small Cap Funds: Invest in emerging companies with significant growth potential, albeit with higher risk.
Flexi Cap Funds: Enjoy the flexibility to invest across market caps based on prevailing market conditions.
Index Funds: Consider low-cost index funds to track broader market indices and benefit from long-term market growth.
Balanced Advantage Funds: Opt for funds that dynamically allocate between equity and debt to manage risk and optimize returns.
International Funds: Diversify globally by investing in funds that tap into international markets, providing exposure to foreign economies and currencies.
Remember to diversify your investments across different asset classes and fund categories to mitigate risk. Additionally, conduct thorough research or consult with a Certified Financial Planner to ensure your investment choices align with your risk tolerance and financial goals.
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

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Hello Sir,My name is Girish aged 38 years and I have been going through your suggestions on the MF.I have started SIP in the following mutual funds.1. ICICI Prudential Bluechip Fund (G) - investing since a month - 5,000 per month 2. SBI Blue Chip Fund (G) - investing since a month - 5,000 per month 3. HDFC Balanced Advantage Fund - Direct Plan (IDCW) - investing since 14 months - 2,000 per month4. Nippon India Large Cap Fund - Regular Plan (G) - investing since 2 months - 2,000 per month 5. Parag Parikh Flexi Cap Fund - Direct Plan (G) - investing since 2 years - 2,000 per month 6. UTI MNC Fund - Direct Plan (G) - investing since 14 months - 2,000 per month I would like to know if my portfolio is good. I will be planning to invest for the next 10-15 years. What would be the corpus at the end of 15 years?Do you foresee any changes to be made in my portfolio? Please suggest.
Ans: Girish, it's wonderful to see your proactive approach towards investing for the long term. Your portfolio displays a good mix of large-cap, flexi-cap, and sectoral funds, which provides diversification and potential for growth over the next 10-15 years.

As for the corpus at the end of 15 years, it's important to remember that predicting exact returns is challenging due to market fluctuations. However, with consistent investing and a well-diversified portfolio, you're likely to see significant growth over the long term.

Regarding potential changes to your portfolio, periodically reviewing your investments is wise. Consider factors like fund performance, changes in your financial goals, and market conditions. If any fund consistently underperforms or if there are better opportunities available, you may consider making adjustments.

Overall, your portfolio seems well-structured for your long-term investment horizon. Keep monitoring your investments, stay disciplined with your contributions, and consult with a Certified Financial Planner for personalized advice as needed. Wishing you success in your financial journey!
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

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Are mutual funds beneficial;safe and high growth.do we need to invest lumpsump amount or monthly.is is risk based, which Mfund is safe to invest,what are the pros and cons of MFund Actually how does MFund work Pls brief
Ans: Mutual funds can be beneficial investment vehicles offering potential growth, diversification, and professional management. Here's a brief overview:

Benefits of Mutual Funds:

Diversification: Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, reducing individual risk.
Professional Management: Fund managers with expertise in financial markets actively manage the fund's investments to achieve optimal returns.
Liquidity: Mutual funds offer liquidity, allowing investors to buy or sell units on any business day at the fund's net asset value (NAV).
Accessibility: Mutual funds are accessible to investors with varying financial capacities, offering options for both lump-sum and systematic investment plans (SIPs).
Regulation: Mutual funds are regulated by SEBI in India, providing transparency and investor protection.
Risks and Considerations:

Market Risk: Mutual funds are subject to market fluctuations, and returns are not guaranteed. Investments can lose value depending on market conditions.
Fees and Expenses: Mutual funds charge management fees and other expenses, which can impact overall returns.
Risk Profile: Different types of mutual funds have varying levels of risk, depending on their investment objectives and asset allocation. Equity funds tend to be riskier than debt funds.
Lump Sum vs. SIP: Both lump-sum and SIP investments have their pros and cons. SIPs offer rupee-cost averaging and discipline, while lump-sum investments can capitalize on market opportunities but are subject to market timing risks.
Choosing a Fund:

Risk Tolerance: Assess your risk tolerance and investment goals before selecting a mutual fund. Equity funds offer higher growth potential but come with higher volatility, while debt funds provide stability but lower returns.
Diversification: Opt for diversified funds that spread investments across multiple sectors and securities to mitigate risk.
Past Performance: Review the historical performance of funds but remember that past performance is not indicative of future results.
Fund Manager: Evaluate the fund manager's track record and investment philosophy to ensure alignment with your investment objectives.
Overall, mutual funds can be an effective tool for wealth creation, but it's crucial to conduct thorough research, understand your risk tolerance, and consult with a financial advisor before investing.
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

Asked by Anonymous - Nov 16, 2023Hindi
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Money
Can i invest 20 lakh in mutual fund on my daughter 27 yrs name from my income
Ans: Yes, you can invest in mutual funds on behalf of your daughter, even if she is 27 years old, using your income. However, it's essential to understand a few points:

Gift Tax Implications: Transferring funds to your daughter's name may have gift tax implications. In India, any gift received by an individual exceeding Rs. 50,000 in a financial year is taxable under the Income Tax Act. However, gifts from specified relatives, including parents to their children, are exempt from tax.
Legal Ownership: Once the investment is made in your daughter's name, she becomes the legal owner of the funds. While you can manage the investments on her behalf, she will have control over the assets once she comes of age.
Financial Independence: Investing in your daughter's name can be a great way to secure her financial future and promote financial independence. It can also help her start building wealth at a young age.
Investment Strategy: Consider your daughter's financial goals, risk tolerance, and investment horizon when selecting mutual funds. Ensure that the chosen funds align with her objectives and are suitable for her age and financial situation.
Before proceeding, it's advisable to consult with a Certified Financial Planner or tax advisor to understand the tax implications and ensure compliance with relevant regulations. They can provide personalized guidance based on your specific circumstances and goals.
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Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

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Hello Hardik 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 your proactive approach to investing in mutual funds. Your diversified portfolio reflects a mix of large-cap, mid-cap, small-cap, sectoral, and international funds, which is a good strategy for potential growth. However, it's essential to periodically review your portfolio to ensure it remains aligned with your financial goals and risk tolerance.

Here are a few suggestions:

Consolidation: With such a large number of funds, consider consolidating your holdings to reduce complexity and streamline your portfolio. Focus on high-performing funds with strong track records and consistent returns.
Risk Management: Given your goal to create a corpus of 3 crores in 7 years, ensure that your portfolio reflects an appropriate balance between growth potential and risk. Consider rebalancing your allocation towards funds with proven performance and lower volatility.
Regular Monitoring: Keep a close eye on the performance of your funds and be prepared to make adjustments as needed. If any funds consistently underperform or fail to meet your expectations, consider replacing them with better-performing alternatives.
Goal Alignment: Continuously assess whether your investment choices are in line with your financial goals, time horizon, and risk appetite. Adjust your strategy accordingly to ensure you're on track to achieve your target corpus of 3 crores.
Overall, it seems like you're on the right track with your investments, but a periodic review with the help of a Certified Financial Planner can provide valuable insights and ensure your portfolio remains optimized for achieving your financial goals. Keep up the good work and stay focused on your long-term objectives!
(more)
Ramalingam

Ramalingam Kalirajan  |1015 Answers  |Ask -

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

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Money
Hi, I am 52 years old and want to retire at the age of 60. I currently invest Rs 10,000 in three MFs (33% each) - - FRANKLIN INDIA FEEDER - FRANKLIN U.S. OPPORTUNITIES FUND - GROWTH - ICICI PRUDENTIAL US BLUECHIP EQUITY FUND - GROWTH - MOTILAL OSWAL NASDAQ100 FUND OF FUND - REGULAR - GROWTH The purpose of this investment is to get good returns. Can I continue to invest? My risk profile is high.
Ans: Given your risk profile and investment horizon, investing in international funds like the ones you've mentioned can offer diversification and potential for higher returns. However, it's essential to consider a few factors:

Performance: Assess the historical performance of the funds and compare them with relevant benchmarks and peers. Ensure they have consistently outperformed over the long term.
Fund Objectives: Understand the investment objectives and strategies of each fund. Ensure they align with your financial goals and risk tolerance.
Risk Management: International funds, especially those investing in the US market, can be subject to currency risk, geopolitical events, and regulatory changes. Be prepared for higher volatility compared to domestic funds.
Diversification: Review your overall investment portfolio to ensure proper diversification across asset classes and geographical regions. Don't overly concentrate your investments in international funds.
Regular Review: Continuously monitor the performance of your investments and periodically review your portfolio to make adjustments as needed based on changing market conditions and your financial goals.
Considering these factors, if the international funds you've chosen have a strong track record and align with your risk profile and investment objectives, continuing to invest in them can be a viable option. However, it's always prudent to consult with a Certified Financial Planner to ensure your investment strategy is well-suited to your individual circumstances and goals.
(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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