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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 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 - Apr 21, 2024Hindi
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Relationship

Hi my age is 47 married my wife and daughter are living seperately and they are live at her mother place from beginning the problem is that my dad is money minded person he gets upset when money is spend for betterment and my mother wants to leave free life all of sudden she blames me and my father for bad life I literally had a argument with her on the basis that if I am going through some mental stress in work, personal life, family problems than with whom shall I share she says not to discuss anything with her the fact is I am in dilemma what to do I have minimum source of income,PL,CC bills and other responsibility I am in dilemma what to do I need a break which I am not able to do pls give me some solution to overcome all this issues.

Ans: Dear Anonymous,
The information shared with me is incomplete. Do you live in a joint family with your parents? How come your parents are involved when you spend money. At 47, do you not take charge of your finances? Is that why your wife blames your father due to his interference in your life?
At your age, your family and decisions for your family are yours and your wife's to make even if you live in a joint family. You and your wife must act like a unit to sort out every family challenge and draw clear boundaries with your parents and that will help your wife have space with you. This will also help the two of you to get closer and go through life's ups and downs together.

All the best!
Asked on - Apr 23, 2024 | Answered on Apr 29, 2024
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We don't stay with each other since 17+yrs my wife stays with her mother right from the beginning and also my daughter schooling is in the same place were her brother studied and we are living like a seperated couple on mutual discussion I pay 20,000 every month + take them on holiday + she visits my place whenever she feels God knows when such kind of relation will come to an end
Ans: Dear Anonymous,
My question was about whether you still live with your parents or not? That could be a definitive way out to put your marriage back together. Please read this with the previous answer given and again I find a lot of gaps in what you have shared for me to suggest much.
I still will say: The first attempt would be you and your wife wanting this marriage. If you two do not want this relationship based on what you have mentioned, then take appropriate steps towards that. You need to be clear about what you want for anyone to guide you or even you to guide yourself. Writing it down in paper actually helps the process. Ask yourself: What do I want?

All the best!
Asked on - May 01, 2024 | Answered on May 02, 2024
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To be honest I already told her many times that I want to get seperated but she says that she has not thought about it and it she is dragging it so that she gets money from me every month nor we have marriage certificate nor any legal docs she wants me to take the initiative for seperation and her decisions is been taken by her mom and brother just imagine 17+ yrs of marriage and not stayed together even for 6 months
Ans: Dear Anonymous,
Then if what you say is true, if you have not stayed together for so many years, possibly the marriage is already null and void. You might want to check the legal status with a lawyer who will then advice you on what to pay as support for your daughter. Holidays etc are a matter of choice whether you wish to pay or not for them. Kindly contact a lawyer...

All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 04, 2022

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Relationship
I have been married for a little more than five years and I am living under tremendous stress and depression. We live in a joint family with my parents and an unmarried brother. I had told her all this before marriage. She loves me very much but her attitude towards my relatives has been a matter of concern right from the start. She does not want to keep a relationship with anybody apart from my immediate family. Slowly, she started having problems with my mother also; both have started having minor clashes at home. Many times, it is my mother’s mistake. The main problem is that she is very nagging and complains and gets irritated very frequently at the smallest instance. Frustrated, I planned on separating with her but the news came of her pregnancy and we were blessed with a baby girl. After the baby was born, my wife’s frustration and irritation has increased manifold because of her fear that my mother will give much more love to the baby then she can. So their clashes have increased. Now my wife has been putting a lot of pressure on me to look for a new house away from my parents, since she wants her own space. I already have a home loan on the existing home and a car loan. There is very less scope for me to purchase a new home and I don't want to leave my parents. She just doesn't understand my position and clashes happen between us. Looking at all this, I desperately want to separate from her but can't do so because of our daughter. I love her the most and can't live without her. So I just endure what is happening every day. This has resulted in me slipping into depression. It has affected my work in office as well. I am not performing well, I don't like to speak with any of my friends or relatives, I don't feel like doing anything. I’m living for the sake of my daughter, that's it. Even my parents are not in a position to understand me and my situation so I can't talk to them either. Can you help? Just don’t publish my name.
Ans:

Hi

It is unfortunate that you are in this situation.

Your wife is possibly not very inclined to be in a joint family set-up; the reasons maybe many. But isn’t it necessary for you as a husband and a father to look out for your family?

The misunderstandings caused between the two of you over the years because of being in a joint family set-up have never been addressed and much water has flowed under the bridge.

There is a slim chance that matters might get resolved if you get your mother and wife in the same room and iron it out, with you being a neutral person who does not take sides; this is the best option.

If this isn’t possible, kindly visit a family counsellor who can step in and show your family a way to live amicably or give you a perspective on how healthy it might be to live separately.

At the end of the day, you have responsibilities towards your wife and child too!

All the best and a Happy 2022.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

Relationship
Hi Anu, I am Mr R. Recently I came to read about the life situations many are facing and saw you are helping them. Am also in a situation like that. I am a single child to my parents.I had a fair childhood till I reached my 8th std. From that point (I don't know why and how) my father changed completely. He started quarrelling with my mom about small things and things worsened. I have seen my mom crying all day. I didn't know what to do at that time. I felt lonely, alone, frustrated.In my 11th grade, my father and mom decided to get separated. Father decided to sell our house but we had much debt in the bank as my mom had taken loans to build a new house. Later my father told her to sign in the divorce paper so that he could sell the house and give us the money to clear bank dues.He sold the house for a huge amount but gave us a small portion of it, which was not enough to clear the dues. Mom fainted in the government office when he told that he won't give us a single penny. In family court I have seen mom crying in front of the judge when he asked whether she wants to continue with my father or get divorced. She did not have an option, but to tell the court judge she wanted a divorce.From that day, I cared for my mom more than ever, more than my life. I couldn't even think of anyone telling me bad about my mom. We moved to a rented house and stayed in rented houses for about more than 15 years.My mom is 59 and will soon retire. She wants me to get married before her retirement. So I told her ok.Things change here.... This is my situation now and I need help.... I wrote about my past life above because I want Anu mam to know why am writing this mail to you....I was 28 when my mom wanted me to get married. But I was not ready for it. I wanted a girl who would love my mom more than I did. I wasn’t sure if a girl from a matrimonial site would be able to love my mom.However, one day my mom said she had found a good girl for me from a matrimony site and showed me the photo. She was from a rural area. We lived in the city. I asked my mom if will be a good match. She’d spoken to the girl’s family members and felt they were good. We decided to go and see the girl. When we went to her house, she was very polite and well behaved with my mom. I felt like I was about to start a new chapter in life. That it will be a good beginning. But it wasn't.Six months after marriage her attitude towards my mother was very rude sometimes. I felt bad but ignored. As days passed, she started debating with my mom for silly matters.1. The first quarrel was regarding the name of a fish. We bought some fish in home... My mom said this fish name is xxxx.... My wife told the fish name is xx and they started debating2. As am from Kerala, my mom had prayed that she will do my thulabharam if I get married before her retirement. In the temple my wife was meant to stand next to me during the ritual. However, when I searched for my wife she was standing far away. My heart broke. I began to worry if my life will also turn to be like my parents'.3. Two months after my marriage I heard that my father had committed suicide. I went to the temple to complete his last rites. As per the ritual, when I return home, my wife is supposed to prepare a sadhya (a full meal). But she fought with me for some silly matter and went to sleep without eating anything. She hadn’t cooked anything that day. My mother begged her to have food but she didn’t relent.She’d quarrel on all festive occasions be it Onam or Diwali. I didn’t tell anyone about it. When things get tense at home, she’d pretend to be ill and short of breath. One day I informed her brother. What he told shocked me. He told me to ignore her saying she must be pretending. I am worried that if something happens to her, I’d be blamed for it. With this fear, my mom and I are tolerating her.After 2 years of marriage, she became pregnant and gave birth to a baby girl. One day I saw my mom crying. When I asked her, she said that whenever my mother takes my baby in her hand my wife comes and grabs the baby away.One day I closely monitored the situation. I saw her grabbing my baby from my mother when my mom took her. I asked my wife, what's wrong and scolded her. The situation got worsened and she gave a silly answer.... She told me, she is worried about whether my baby will fall down from my mother's hand..... I informed her family and they gave her some advice and told her she need some doctor consulting regarding this.... While talking to their family I realised that she was like this before marriage as well.After the advice, for a few days, things were calm. Later, she started again. She'd stare at my mom whenever she'd give any advice.She is negative in all ways. Now her dad and mom have stopped calling me. Today while writing this e-mail she’d scolded my mom for recording my baby’s video saying my mom will send it to everyone. My baby was wearing a top and diaper nappy. When I asked her why she is behaving like this to mom, she said that my mom is not good to her. I cannot explain each and every quarrel but the reasons are quite silly. What should I do? After my father's issues, I thought my life after marriage will be good but it’s proving to be wrong.Waiting for an answer.
Ans:

Dear Mr R,

What exactly are you looking for as guidance from me?

That is something that you haven’t clearly stated.

Your narration of the story of your life gives me an understanding that you are at crossroads right now.

When at crossroads, ask yourself:

  • Where am I right now?
  • Am I stuck and unhappy?
  • How can I move forward from here?
  • What are the best alternatives that I haven’t tried before?
  • Have I done everything in the marriage to build it?

Clearly you and your wife see things differently and the only way is to sort this out if that’s what you want.

Coming from different backgrounds, there have possibly been a lot of adjustment issues for her.

Also, your closeness to your mother might have somewhat interfered in looking at your wife’s issues clearly and getting closer to her.

These are possibilities and since I do not know what you actually seek, I can only say: if you want to save your marriage, work on it with the help of your mother who as an elder can advise you appropriately.

It takes two people to build a relationship and it takes just one unrealistic expectation to bring that relationship down.

So, cast aside any expectation and approach this with a clear mind and a kind heart.

All the best!

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Harsh

Harsh Bharwani  |56 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Asked by Anonymous - Jun 23, 2023Hindi
Career
Dear sir i am 51 yr old ,i had a very tough life,i was bright and honest student..i got adhoc lecturer ship which i have to left as it was adhoc only i like my profession but i had to left ..than i join with help of my friend sales which i don't like but to earn i did and rose to higher management level...my married elder brother was having depression,i left the parental home to help him ,my parents were both retired govt employees getting good pension...i struggled to make both ends meet..later on my parents get medical trouble still my wife took care of them at my house.. I left the job in 2010 me and my friends who bring me job started the business but he ditched me the first day on business i take courage and continued the business... Meanwhile my parents refused yo help....after 3 yr of my business my parents come to help them as my mother has to do 3 month complete bed rest ,me and my wife helped them after that they come for 2 -3 months in a year for 5 years but after that my mother starts querlling with my wife ,i stoped their coming but told i will help them they need..i helped them during covid ,and other medical problems ,in 2021 my father passed away in i met an car accident my mother refused to give registery of copy in cour yo get bail..i stopped my all relation on this ...my daughter went to canada in sep 2021..i took 7 lacs loan and rest i paid from my savings ..this month her course was supposed to finish but what i realize that she failed in 13 exams..she told me first time than i told her to not worry i concentrate for future one but she lied and failed in other one also what she disclosed now,i have to pay further 10 lacs..my business is alo down and my son is not selected my medical field business,i have to collect aprx 40 lacs from market ,i tried hard for tie up overtake or job at this age but kot getting...it is become hard to run business with no family member in same business in future and tonpay to daughter ..i am gojng to shut it down in next month and do something else...with low cost business as i have to pay monthly salaries and rent of aprox 2.5 lac...i am in big trouble...No one to help me out..i never tried my 0mother brother sister whom i helped in their every cause...i knew they will not help as they not helped me in all my troubles...
Ans: I'm really sorry to hear about the difficult circumstances you've faced in your life. It sounds like you've gone through a lot of challenges and have been dealing with various setbacks. It's understandable that you may feel overwhelmed and frustrated at this point.
In times of hardship, it's important to remember that there is always hope and the possibility of finding solutions. Here are a few suggestions to consider:

1. Seek Professional Help: Given the complexity of your situation and the emotional toll it has taken on you, it may be beneficial to seek professional support. Consider reaching out to a counselor, therapist, or support group to help you navigate through your challenges and emotions. They can provide guidance and assist you in developing coping strategies.
2. Financial Assistance: If you're struggling with loans and financial obligations, it might be worth exploring options for financial assistance. Consult with a financial advisor or research available schemes, grants, or loans that could potentially help you manage your debts and ease the financial burden.
3. Career Transition: As you mentioned, shutting down your current business and exploring other low-cost business options might be a viable solution. Assess your skills, interests, and market demand to identify alternative business opportunities that align with your capabilities and resources. Consider seeking advice from business mentors or professionals in your desired industry to help you make informed decisions.
4. Network and Support: While it may feel like you're alone, reach out to your social network for support. Friends, acquaintances, or industry professionals might have insights, connections, or opportunities that could be beneficial. Building a support system can provide emotional support and potentially open doors for new opportunities.
5. Prioritize Self-Care: In challenging times, taking care of yourself is crucial. Make sure to prioritize self-care activities such as exercise, relaxation, hobbies, and spending time with loved ones. Maintaining your physical and mental well-being will help you navigate through difficulties with a clearer mindset.
6. Maintain Resilience: Remember that setbacks are a part of life, and resilience is key. While it may feel overwhelming now, focus on developing a positive mindset and persevering through challenges. Draw on your past experiences of overcoming adversity to fuel your resilience and determination.

Finally, know that it's never too late to make a fresh start or seek new opportunities. It may take time, effort, and a shift in mindset, but with perseverance and resilience, you can work towards a better future. Reach out for help, explore available resources, and stay determined. Wishing you strength and the best of luck as you navigate through this difficult period.

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Dear Madam, i am 49 and married with 2 kids (10th standard and 8th standard), my problem started we move to india and settled near my mother/sister-law and there is lot influence things happened alast 2 year and also i have drinking habit which i have overcome by attenting rehibition, but last 8 month i am staying with mother house due my health and now i ok, but every time last 3 months i asking my wife can we staying together but no proper answer and she away most of time on spiritualty, even i allow her go but she is not inform were about even after 20 phone call that triggers me and i drink and make my life diffocult myself, recently i have asked move alone with me and kids but again blaming for all the past thing, due to this i have flight my parents and brother which not keep peace to them....i am really confused and what stage they will expect me i know sure..please let me know any suggestion
Ans: Dear Anonymous,
Your drinking is the main reason why your wife cannot trust you again. Rebuilding that trust is going to take a lot of time and patience, Simply by saying that All is Well, let's move back together is not going to help.
Use this time of separation to rebuild that trust. Visit your children often and be the father that they didn't have earlier...be the husband that you were not earlier.
Actions speak louder than words...so, now focus on what you can do for your family that will make them want you back into their lives and this can definitely happen when you are staying away from them.
Allow them to slowly notice the changes in you and they will on their own accept you back...
A lot of work to be done...but anything for the family, right?

All the best!

..Read more

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Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik
Ans: Hello Bharat,

It's commendable that you're seeking to balance your investments and diversify into equity through mutual funds. Here's a tailored recommendation for you and your mother:

Balancing Debt and Equity:

Emergency Fund: Ensure you have an emergency fund equivalent to at least 6-12 months of expenses kept in liquid instruments like savings accounts or short-term debt funds.
Debt Investments: Since you already have a substantial portion of your corpus in debt instruments, continue to maintain this allocation to ensure stability and regular income. Consider diversifying across different types of debt instruments for optimal risk management.
Equity Investments: Given your age and long-term investment horizon, it's prudent to gradually increase your exposure to equity through mutual funds. Start with allocating a portion of your investable surplus to equity funds.
Suitable Mutual Funds:

Diversified Equity Funds: Look for well-managed diversified equity funds with a proven track record of consistent performance. These funds offer exposure to a broad range of stocks across sectors and market capitalizations.
Balanced Advantage Funds: These funds dynamically manage the equity-debt allocation based on market conditions, making them suitable for investors seeking a balanced approach.
Large Cap Funds: Consider large-cap equity funds for stability and lower volatility. These funds invest in large, established companies with a track record of stable earnings.
Hybrid Funds: Opt for hybrid funds, which invest in both equity and debt instruments, offering a balanced approach to risk and return.
For personalized recommendations and to ensure your investment strategy aligns with your financial goals and risk tolerance, I recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can provide customized guidance based on your unique circumstances and help you navigate the complexities of financial planning.

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Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 05, 2024Hindi
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Hi Sir/Madam I have invested in various equity funds of different AMCs. Can I get any app or some kind of reliable advisor who can track my investments and suggest switching from non performing funds to performing funds. My goal is just wealth multiplication and I am aware of market fluctuations. During Covid, remained invested in all my equity mutual funds. Kindly guide.... Thanks and Regards
Ans: For personalized advice and guidance on your mutual fund investments, I recommend consulting a Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. MFDs with CFP qualifications can provide comprehensive financial planning services tailored to your specific goals, risk tolerance, and investment preferences.

Here are some benefits of working with an MFD with CFP credentials:

Holistic Financial Planning: A CFP-certified MFD can help you create a comprehensive financial plan that aligns with your long-term goals, including wealth multiplication through mutual fund investments.
Personalized Advice: They can offer personalized investment advice based on your individual financial situation, risk profile, and investment objectives.
Portfolio Review and Optimization: An MFD with CFP credentials can regularly review your mutual fund portfolio, identify underperforming funds, and recommend suitable switches to potentially better-performing funds.
Risk Management: They can assess your risk tolerance and recommend an investment strategy that balances risk and return to help you achieve your financial goals.
Regular Monitoring and Rebalancing: CFP-certified MFDs can provide ongoing monitoring of your investments and rebalance your portfolio as needed to ensure it remains aligned with your objectives.
By working with an MFD who is also a Certified Financial Planner, you can benefit from personalized, professional advice and guidance to make informed decisions about your mutual fund investments and overall financial plan.

...Read more

Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.
Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

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Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.
Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

...Read more

Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?
Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.
Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and goals.

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Ramalingam

Ramalingam Kalirajan  |1366 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 10, 2024Hindi
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Hello Experts, I am 35 year old planning to have a corpus of ?5cr in next 20 years. I have 20lacs fixed deposit and invest in below mutual funds via SIPs and also planning to increase it by 5k per month Sukanya Samriddhi : 1.5 Lacs VPF : 1.2 Lacs NPS: 1.5 Lacs (Tier 1 - 75% equity) Monthly SIPs: Parag Parekh flexi cap - 5k UTI Index fund- 2k Kotak Emerging equity : 2k Mirae asset emerging bluechip: 1k SBI Blue chip: 1k Nippon India tax saver :0.5k Axis long term equity :1.5k Axis mid cap: 1k HDFC Mid cap opportunities: 1k Axis small cap fund: 5k
Ans: Given your age and goal of accumulating 5 crores in 20 years, your current investment strategy appears well-diversified. Here are some suggestions to optimize your portfolio:

Review Asset Allocation: Ensure your asset allocation aligns with your risk tolerance and long-term goals. Consider increasing exposure to equity for higher growth potential.
Increase Equity Allocation: Given your long investment horizon, consider gradually increasing your equity allocation to capitalize on potential market growth.
Regularly Monitor Performance: Periodically review the performance of your mutual funds and make adjustments if necessary to ensure they continue to meet your investment objectives.
Consider Tax Planning: Explore tax-efficient investment options such as ELSS funds and NPS Tier 1 for additional tax benefits.
Continue Systematic Investing: Maintain discipline in your SIP investments and consider increasing your SIP amounts over time to accelerate wealth accumulation.
Emergency Fund: Ensure you have an adequate emergency fund in place to cover unexpected expenses, typically equivalent to 3-6 months of living expenses.
By implementing these strategies and staying committed to your long-term financial goals, you can work towards achieving your target corpus of 5 crores in 20 years. Always seek professional advice from a Certified Financial Planner to tailor your investment strategy to your specific needs and circumstances.

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