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Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 23, 2022

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
KS Question by KS on Feb 23, 2022Hindi
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Relationship

 I'm 20 years old girl, started working during 9 months. I am the only girl in the family but now I feel like everything is a mess. From my family to working place to relationships.
My partner is 14years older than me. I made many mistakes at first when there was no confirmation.
I'm now changing myself in many aspects for him. But still he isn't satisfied. Till date he doesn't tell me who I'm to him. And in my family my parents control over my salary.
I tried to have a talk for that but they both treat me very indifferently. Also there is another person in my mom's life. I really don't know what to do.

Ans:

Dear KS, alright, so This person that you love, (does he love you too?), has he also made any mistakes in the relationship, or do you plan only on punishing yourself for it?

Does he also intend to change aspects about himself for you or will it only from your side?

How exactly do you know that he is satisfied?

What will happen if he doesn’t tell you what you want to hear?

Isn’t it funny, how you are trying to turn your world upside down for a person who may not be seriously committed to you?

Also, when you say that your parents control your salary, how exactly do you mean? Are they worried about you or how you might spend the money?

It is time for you to evaluate what exactly what you want from life and how we want to create it.

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

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Relationship
Hi Anu,I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace. He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different. I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.There is no progress in career because constantly we are under tensions. My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind. I don't know what happens to me. When he comes close to me I stop talking breaths. We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.
Ans:

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Relationship
Dear Anu,I am 41 years old doing my own business since 14 years. I live with my parents and i am married. Blessed with two children. I am the sole bread winner. They all luv me very much. These days (year 2020) I feel stressed and lonely, bcos of financial problem in running my house and fulfilling my EMI and other loan commitments. My family knows my financial adjustments and commitments. I feel myself like a machine working non-stop to keep my family happy and fullfil their desires. I don’t feel happy going home after my work for the day. I feel like I don’t understand them or they don't understand me. I know they luv me so much and me too. I feel let down but actually they support me in all the way they can. What should I do?
Ans: Dear AK, sadly, most of our lives are lived doing things for others.

Initially seeing the happiness on the faces of our loved ones makes us believe that what we are doing is the right thing.

But if you work or so anything in life without taking into consideration your feelings or your what you value for yourself, it will slowly start to seep into your core and you either end up feeling stressed or anxious.

I do understand that your situation is one of financial challenges, you mist work and why not work and at least set sometime for yourself over the weekend to rejuvenate yourself?

This time is non-negotiable and it is to refresh yourself so you can go back on Monday with a newness.

Also, instead of working like a machine, why not think that you are working efficiently to slowly pay off EMIs and to be free of them.

Bring some harmony between work and life which is what I can offer as a suggestion to you.

Be happy and work not out of compulsion but passion!

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

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

Relationship
Hello Dear Anu Ma'am,I wish to remain anonymous as my family reads this page too.I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day (just to keep myself sane). My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But there is no such thing as love or emotion in my house. I have never known the meaning of happiness and love. Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully. I have been in a relationship with multiple men (including a married man) but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended. I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone. I am a people pleaser. I cannot stand up for myself and I have zero self-confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex. I always used to wonder why I am not like other girls - they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird. My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like good girls are like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things. It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear. I keep getting into embarrassing situations because of my low self-confidence and inability to say NO.I recently realised I am like this because of my father, after reading an article on absent father and how it affects daughters - from there I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self-confidence. I cried for hours after reading it. I was shocked and even more traumatized because I thought parents were supposed to love their children. But it gave me some relief that all this is not my fault. Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them. I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined. That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much. Can you please help me ma'am?
Ans:

Dear Anonymous,

Isn’t it about time you started to create your own life which is free from all the toxicity?

Sometimes as hard as it maybe, it is necessary to free yourself from the old and embrace the new; especially if the old is making you stuck and unhappy.

From what you have mentioned, your parents and brother seem to be in their own world of misery, and you surely are not the cause but you are no victim either.

You are 25 and you are earning and even if isn’t much, I wonder why you are still living under the same roof to put yourself through so much of pain.

Your job in life is not to ‘fix’ anyone even if it is family. But it is to wander on your path and create the life that you want.

Who knows once you are on your own, they might appreciate you for who you are. It is known that emotional neglect can show up as relationship challenges in children when they are ready for a partner or a relationship.

But does it help knowing all this?

Can you change the past? Can you change your parents?

If NO, then focus on changing the way you are responding to the situation.

Are you playing the victim who wants to dwell on the miseries, or do you want to play the enabler who disrupts the situation by taking charge?

Easier said than done; but once you decide to enable yourself, life takes a huge turn for the better. So, do it…

Let this be about YOU and no one else. Relationships can wait till you are on your own and making strong decisions.

For now, take that first step towards your freedom and that free life. You can do this!

Best wishes!

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

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

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

Dear JV,

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

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

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

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

Reclaim your life.

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

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

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

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

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

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

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

..Read more

Anu

Anu Krishna  |880 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

Relationship
Hello Dear Anu Ma'am,I wish to remain anonymous as my family reads this page too.I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day just to keep myself sane.My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But, there is no such thing as 'love' or 'emotion' in my house. I have never known the meaning of happiness and love.Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully.I have been in a relationship with multiple men, including a married man, but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended. I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone. I am a people pleaser. I cannot stand up for myself and I have zero self confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex.I always used to wonder why I am not like other girls -- they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird.My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like 'good girls like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things. It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear.I keep getting into embarrassing situations because of my low self confidence and inability to say NO.I recently realised I am like this because of my father, after reading an article on 'absent father and how it affects daughters', I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self confidence. I cried for hours after reading it. I was shocked and even more traumatised because i thought parents were supposed to love their children.But it gave me some relief that all this is not my fault.Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them.I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined.That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much.Can you please help me ma'am?
Ans:

Dear SS,

Well, there is a neat pattern playing out in your family system.

The women in the house don’t stand up for themselves and the men act like they are entitled to the point of disrespecting and making the women submit to them.

You can see how this is playing out in you and your mother and in your father and your brother or even the way your mother treats you and your brother differently. Very neat gender-divide and gender inequality under the roof of a family system.

This is how emotional states in a growing child who is at the receiving end get eroded to a point that they grow up to make poor choices with regard to their life partner or that growing child who is entitled to act like they need to have it all.

Both are not healthy and when they co-exist in the same house, you can see for yourself what is happening.

It is most certain that your choice of men and to maintain boundaries with them does have a lot to do with the relationship between you and your father. But what’s happened, has; you can’t change the past and keep playing the victim.

Instead, lay out how your life could change for the better if you took charge of it and stepped up.

Call the shots beyond all the blaming and move on. It isn’t easy, but it’s not impossible too!

Work with a therapist who can not only empathise but also is someone who can take you off the victim mode and who enables you to TAKE CHARGE! Your choices create your life…

Best wishes!

..Read more

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Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 18, 2024Hindi
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Money
Hi, I am 36 years old. Single so far. In search of life partner. I am currently doing ?1.5L SIP monthly. Majority funds are midcap and flexicap. I also started ?5K monthly gold fund. Started gold fund from two months. Current savings are ?50L cash, ?45L mutual funds, ?22.5L PF, ?5L NPS & ?16L PPF. I want to reach the goal of ?5CR networth soon and feel relaxed and retire soon. I started the journey late. However, I am done with a property buying in Mumbai and loan free now. Please suggest me steps to reach the goal
Ans: That's a fantastic plan! You've made smart choices with your SIPs, debt investments, and being property-free. Here are some steps to consider reaching your Rs. 5 crore goal:

Strong Foundation:

Regular Savings: Your Rs. 1.5 lakh monthly SIP is a great start.

Diversified Portfolio: Having a mix of mid-cap, flexi-cap, and gold funds provides diversification. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Debt Investments: Your PF, NPS, and PPF contributions provide stability and guaranteed returns.

Reaching for Rs. 5 Crore:

Time Horizon: While you started investing later, you still have a good 20-25 years for your investments to grow.

Potential for Increase: Consider increasing your SIP amount if your income allows.

Review Asset Allocation: Consulting a Certified Financial Planner (CFP) is recommended. They can assess your risk tolerance and suggest if your asset allocation (mix of investments) is optimal for your Rs. 5 crore goal.

Focus on Equity: Equity funds have the potential for higher returns compared to debt, but also come with higher risk. A CFP can help you determine the right equity allocation for your goals.

Remember:

Long-Term Commitment: Building a Rs. 5 crore corpus requires a long-term investment horizon (ideally 15+ years).

Market Volatility: Equity markets can be volatile in the short term. Stay invested for the long term to ride out market fluctuations.

Professional Guidance: A CFP can create a personalized plan considering your risk tolerance, goals, and timeline.

You've made a great start! By consulting a CFP and potentially increasing your SIP or adjusting your asset allocation, you can increase your chances of achieving your Rs. 5 crore goal!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Money
Hi I am a 65 year old house wife looking for investment options to take care of myself. Income sources : Son gives 10000 and husband gives 3000 per month. I have an existing FD of 2 lakh rupees. Where all I can invest and I don't have a health insurance, any suggestions to plan my investment as well as health policy
Ans: It's wonderful that you're thinking about your financial security. Here are some ideas to consider:

Understanding Your Income:

Combined Income: You have a combined monthly income of Rs. 13,000 (Rs. 10,000 from son + Rs. 3,000 from husband).

Financial Goals: Consider your financial goals. Are you looking for regular income, to grow your savings, or both?

Investment Options:

FD Reinvestment: Consider reinvesting your existing FD or its interest to earn compound interest.

Debt Funds: Debt funds offer stability and regular income, potentially suitable for your situation.

Senior Citizen Savings Scheme (SCSS): This government scheme offers attractive interest rates for senior citizens.

Importance of Health Insurance:

Medical Expenses: Medical emergencies can be expensive. Health insurance can help manage these costs.

Senior Citizen Plans: Many insurance companies offer health insurance plans specifically designed for senior citizens.

Benefits of a CFP:

Personalized Plan: Consulting a Certified Financial Planner (CFP) is recommended. They can assess your needs, risk tolerance, and suggest suitable investment options and health insurance plans.
Here's a simplified example (not a recommendation):

Invest Rs. 50,000 in Debt Funds (SIP): Start a Systematic Investment Plan (SIP) in debt funds for regular income.

Invest Remaining in SCSS: Invest the remaining amount in SCSS for a good interest rate and safety.

Get a Senior Citizen Health Insurance Plan: Choose a health insurance plan that covers your needs and budget.

Remember:

Review Regularly: Review your investments and health insurance plan (at least annually) with your CFP to ensure they remain aligned with your needs.

Start Investing Early: Even a small amount invested regularly can grow significantly over time.

Emergency Fund: Maintain an emergency fund with 3-6 months of living expenses for unexpected situations.

By taking charge of your finances and getting proper health coverage, you can secure a brighter future for yourself!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 18, 2024Hindi
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Money
Sir I am 37 and have wife and a son of age 7 years. I am not yet invested in markets and a corpus of around 30 lacs is invested in various FDs .However I would like to make a lump sum investment of around 23 lakhs in markets through various instruments out of these FDs as I understand these are not optimal enough and additionally start some SIPs. I am an executive in a PSU for last 14 years and wish take aim at two goals: a)Gathering a sufficient corpus for my son's education at the end of eleven years from now and b) Having a decent amount to retire with at an age of sixty .My in hand salary is around 1.25 lacs/month .Kindly suggest a plan as to diversification of these monetary assets for these goals.
Ans: Building Wealth for Your Family's Future: A Smart Move!
Congratulations on taking charge of your family's financial future! Moving Rs. 23 lakh from FDs to markets for your son's education and retirement is a wise decision. Here's a roadmap to consider:

Financial Goals:

Child's Education (11 Years): You need a corpus in 11 years for your son's education.

Retirement (23 Years): You aim to retire comfortably at 60 (23 years from now).

Investment Strategy:

Diversification is Key: Don't put all your eggs in one basket. Spread your Rs. 23 lakh investment across different asset classes to manage risk.

Consider a CFP: Consulting a Certified Financial Planner (CFP) is recommended. They can assess your risk tolerance, income, and create a personalized plan.

Potential Asset Allocation:

Equity Funds (SIPs & Lump Sum): Invest a portion in diversified equity mutual funds (SIPs and lump sum) for potentially higher growth over the long term. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Debt Funds (SIPs): Invest another portion in debt funds (SIPs) for stability and regular income. This could help meet your son's education needs closer to the time.

Gold (Small Portion): Consider a small allocation to gold for portfolio diversification.

Benefits of SIPs:

Rupee-Cost Averaging: SIPs help you invest regularly and benefit from rupee-cost averaging, potentially reducing the impact of market volatility.
Here's a simplified example (not a recommendation):

Equity Funds (60%): Invest 60% in a mix of Large-Cap and Multi-Cap equity funds (SIPs and lump sum).

Debt Funds (30%): Invest 30% in debt funds (SIPs) with a maturity horizon aligned with your son's education goal.

Gold (10%): Invest 10% in gold ETFs or Gold Savings Funds.

Remember:

Review Regularly: Review your portfolio (at least annually) with your CFP to ensure it remains aligned with your evolving goals.

Emergency Fund: Maintain an emergency fund with 3-6 months of living expenses in easily accessible savings.

Long-Term View: Focus on the long term for your goals. Equity markets can be volatile in the short term.

By consulting a CFP and implementing a diversified investment strategy, you can increase your chances of achieving your financial goals for your son's education and a comfortable retirement!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Dec 02, 2023Hindi
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Money
I am 55 years of age and have 10 lakh in equity 2lakh in nifty and mf and 2 crore in pf. I want 2lakh post retirement
Ans: Planning for Your Retirement: Reaching Your Rs. 2 Lakh Monthly Goal
That's a fantastic question! Having Rs. 2 crore in your PF puts you in a good position for retirement. Here's how to potentially achieve your Rs. 2 lakh monthly goal:

Current Portfolio:

Strong PF Corpus: Your Rs. 2 crore PF corpus is a great foundation for retirement income.

Equity Investments: Your investments in equity and Nifty mutual funds have growth potential but also come with risk.

Estimating Retirement Income:

PF Pension: You can expect a monthly pension from your PF contributions. A CFP can help estimate the amount.

Investment Income: Your equity investments could generate income through dividends or capital appreciation. However, returns cannot be guaranteed.

Reaching the Rs. 2 Lakh Goal:

Bridging the Gap: There might be a gap between your estimated retirement income and your Rs. 2 lakh monthly goal.

Planning & Professional Guidance: Consulting a Certified Financial Planner (CFP) is recommended. They can assess your situation and suggest strategies to bridge the gap.

Potential Strategies:

Retirement Planning Tools: CFPs can use retirement planning tools to estimate your future income needs and suggest how to reach your Rs. 2 lakh goal.

Systematic Withdrawal Plan (SWP): A CFP can recommend creating an SWP from your existing investments to generate a regular income stream.

Additional Investments: They might suggest investing a portion of your equity corpus into debt funds for stability and regular income.

Remember:

Investment Horizon: Consider how long you plan to invest before needing the income. A longer horizon allows for potentially higher returns but also comes with higher risk.

Review and Adjust: Your retirement plan needs to be reviewed and adjusted periodically (at least annually) to reflect changes in your life and market conditions.

By consulting a CFP, you can create a personalized retirement plan that increases your chances of achieving your Rs. 2 lakh monthly goal!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I get long term benefit of Rs 1.46 lakh and short term benefit of Rs 48000/-.can I over Rs 50000/- in ELSS mutual fund to save long term capital gain tax in long term benefit of profit?
Ans: Looking to save tax on your long-term capital gains is a smart financial decision! Here's how ELSS (Equity Linked Saving Scheme) funds can help:

ELSS and Long-Term Capital Gains:

Tax Exemption: ELSS investments offer tax exemption up to Rs. 1.5 lakh under Section 80C.

Long-Term Benefit: If you hold your ELSS units for over one year, gains exceeding Rs. 1 lakh are taxed at a concessional rate of 10%.

Your Scenario:

Long-Term Gain: Your Rs. 1.46 lakh long-term gain can potentially be exempt from tax if invested in ELSS before the end of the financial year.
Using ELSS to Offset Gains:

Amount to Invest: While you can invest any amount in ELSS, to offset your entire gain, you'd need to invest an amount that after considering expense ratio (fund fee) leaves you with Rs. 1.46 lakh. A Certified Financial Planner (CFP) can help calculate the exact amount.
Important Reminders:

Lock-in Period: ELSS comes with a 3-year lock-in period. You cannot withdraw your money before that.

Market Volatility: Equity markets are volatile. Invest for the long term (5+ years) to ride out market fluctuations.

Benefits of Consulting a CFP:

Investment Strategy: A CFP can assess your risk tolerance and financial goals and suggest a suitable ELSS fund or a combination of funds for your investment.

Portfolio Review: They can review your existing investments and recommend how ELSS can fit within your overall portfolio strategy.

ELSS is a great tax-saving tool, but remember, it's also an equity investment. Consider consulting a CFP to ensure it aligns with your financial goals!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Money
I want 1 crore for corpus. I invest monthly SIP 30000/- . Pls suggest best fund.
Ans: the best fund for you depends on several factors, including:

Investment Horizon: How long do you plan to invest until you need the Rs. 1 crore? A longer timeframe allows for more aggressive investments with higher growth potential but also higher risk.
Risk Tolerance: How comfortable are you with potential losses? Lower risk tolerance suggests a more conservative portfolio with a larger debt allocation.
Financial Goals: Is this Rs. 1 crore for retirement, a child's education, or another goal? Your goals will influence your investment strategy.
Here's what I can recommend:

Consult a Certified Financial Planner (CFP): A CFP can consider your unique circumstances and create a personalized investment plan to achieve your Rs. 1 crore goal.

Consider a Diversified Portfolio: Don't put all your eggs in one basket. A diversified portfolio with a mix of asset classes (equity, debt, etc.) can help manage risk. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Start an SIP in Equity Funds: If you have a long investment horizon and a moderate risk tolerance, consider a Systematic Investment Plan (SIP) in diversified equity mutual funds. SIPs help you invest regularly and benefit from rupee-cost averaging.

Here's an example (not a recommendation):

Invest in a Multi-Cap Fund (SIP): A Multi-Cap Fund invests across market capitalizations (large, mid, small).

Invest in a Flexi-Cap Fund (SIP): A Flexi-Cap Fund allows the fund manager more flexibility in choosing companies across market capitalizations.

Invest in a Debt Fund (SIP): A Debt Fund provides stability and regular income.

Remember:

There's no guaranteed path to Rs. 1 crore. Investment markets are volatile, and returns cannot be guaranteed.

Review Regularly: Review your portfolio (at least annually) with your CFP to ensure it remains on track.

By consulting a CFP and building a diversified portfolio, you can increase your chances of achieving your Rs. 1 crore goal!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I am 61 years retired person, majority of retirement funds invested in FDs and have MF investment in few funds. Iam getting pension required for maintenance as of now. Parakh Parikh Flexi Fund (Balance Rs.3 lakh with monthly SIP of Rs 2500/-, other than this, I have SBIMF Small Cap Rs.5 lakh, SBI Bluechip 3.50 lakh, Sundaram Midcap 2 lakh, Nipon India Largecap Rs. 2 lakh, ICICI Prudential Infrastructure Rs. 2 lakh, Bandhan Infrastructure Rs. 2 lakh. Contrubuting Rs. 50,000/- pa in NPS for tax purpose. Please guide
Ans: That's a great question, sir! You've made smart choices by investing in FDs for safety and some MFs for growth. Here's a breakdown of your portfolio and some suggestions:

Current Portfolio Mix:

Large Focus: A significant portion is in large-cap funds (SBI Bluechip, Nippon India Largecap) offering stability but potentially lower growth.

Small & Mid-Cap Exposure: You have exposure to small-cap (SBI Small Cap) and mid-cap funds (Sundaram Midcap) which can offer higher growth potential but also come with higher risk.

Infrastructure Focus: Investments in ICICI Prudential Infrastructure and Bandhan Infrastructure provide exposure to a specific sector.

Flexi-Cap Fund: Parag Parikh Flexi Cap offers diversification across market capitalizations.

Potential for Improvement:

Review Asset Allocation: Consider consulting a Certified Financial Planner (CFP) to assess your risk tolerance and adjust your asset allocation (mix of investments) if needed. They can help ensure a balance between stability (debt) and growth (equity).

Sector Concentration: Consider reducing your exposure to the infrastructure sector if a large part of your portfolio is already there. Diversification helps manage risk.

Review Fund Performance: Review the performance of your existing funds. A CFP can help analyze their performance and suggest replacements if necessary.

Benefits of a CFP:

Personalized Plan: A CFP can create a personalized investment plan considering your retirement goals, risk tolerance, and existing investments.

Ongoing Monitoring: They can monitor your portfolio and recommend adjustments as your needs evolve.

Your NPS contribution is commendable! It provides tax benefits and some retirement income.

Remember:

Risk Tolerance: As a retiree, your risk tolerance might be lower. A CFP can help adjust your portfolio accordingly.

Regular Review: Review your portfolio (at least annually) with a CFP to ensure it remains aligned with your goals.

By consulting a CFP, you can potentially optimize your portfolio for stability, growth, and income needs during your retirement!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Quant value fund or quant infrastructure fund advisable to invest war time
Ans: Wartime can be a challenging time for investors. Here's a breakdown of Quant Value Fund and Quant Infrastructure Fund to help you decide which might be more suitable:

Understanding the Options:

Quant Value Fund: This fund focuses on undervalued stocks, aiming to buy them at a discount and potentially benefit when their prices rise.

Quant Infrastructure Fund: This fund invests in companies related to infrastructure development (roads, bridges, etc.). Infrastructure projects might be less affected by war compared to other sectors.

Wartime Considerations:

Market Volatility: Stock markets can be very volatile during wartime. Both Quant Value and Quant Infrastructure Funds could experience price fluctuations.

Economic Uncertainty: Wars can create economic uncertainty, impacting both stock and infrastructure sectors.

Potential Advantages of Quant Value Fund:

Long-Term Growth: Value investing focuses on long-term potential. If the war resolves and the economy recovers, undervalued stocks could see significant growth.
Potential Advantages of Quant Infrastructure Fund:

Defensive Investment: Infrastructure projects are often considered essential and might be less impacted by short-term disruptions.
Important Note:

No Guarantee of Performance: Past performance is not necessarily indicative of future results. Both funds could experience losses during wartime.
Recommendation:

Seek Professional Guidance: Consulting a Certified Financial Planner (CFP) is highly recommended. They can assess your risk tolerance, investment goals, and existing portfolio to suggest the most suitable option during wartime.
Additional Considerations:

Diversification: Consider diversifying your investments beyond just Quant funds. This can help mitigate risk during volatile times.

Long-Term Focus: Maintain a long-term perspective. While wartime can create short-term challenges, markets tend to recover over time.

Remember:

Wartime is unpredictable. Investing during such periods comes with inherent risks.

Professional guidance is valuable. A CFP can help you navigate these uncertainties and create a sound investment strategy.

By seeking professional advice and potentially diversifying your portfolio, you can potentially make informed investment decisions during this challenging time!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I have invested rs 5 lac in axis tax saver direct growth on 10th april.is it a good fund and can i tansfer to direct IDCW plan.
Ans: That's a great question! Investing Rs. 5 lakh in Axis Tax Saver Direct Growth on April 10th shows initiative. Here's a breakdown of your current fund and the pros and cons of Direct vs. Regular Mutual Fund investment plans:

Axis Tax Saver Direct Growth:

Reputable Fund House: Axis Mutual Fund is a well-established fund house.

Tax Benefits: ELSS (Equity Linked Savings Scheme) funds offer tax deductions under Section 80C.

Direct Plan: You've chosen a Direct Plan, which has a lower expense ratio (fee) compared to a Regular Plan. However, there are some trade-offs to consider:

Disadvantages of Direct Plans:

No Advisor Guidance: Direct plans don't involve a distributor or advisor. You'll need to do your own research and choose funds.

Limited Support: There might be limited hand-holding or investment guidance compared to a Regular Plan.

Portfolio Management: The responsibility of monitoring your portfolio and making adjustments falls on you.

Benefits of Regular Plans (through a Mutual Fund Distributor - MFD):

Personalized Advice: An MFD can assess your risk tolerance and goals, recommending suitable funds.

Ongoing Support: They can provide ongoing support, answer your questions, and help navigate market fluctuations.

Convenience: They handle paperwork, account opening, and transactions, saving you time.

MFD with CFP Qualification:

Expert Guidance: Consider an MFD with a Certified Financial Planner (CFP) qualification. They have advanced financial planning knowledge and can create a personalized investment plan for you.
Considering Transfer to IDCW Plan:

Exit Load: Check if Axis Tax Saver Direct Growth has an exit load (fee for exiting within a specific period).

Similar Investment Style? Ensure the IDCW plan has a similar investment style and tax benefits as your current fund.

Review Both Funds: Research both Axis Tax Saver Direct Growth and the IDCW plan to compare their performance and investment strategies.

Remember:

Long-Term View: Focus on your long-term investment goals. Equity markets can be volatile in the short term.

Diversification Matters: Consider if this ELSS fund fits with your overall asset allocation (mix of investments).

By potentially consulting an MFD-CFP, you can gain valuable guidance and build a portfolio aligned with your goals, even if you decide to stick with your Direct Plan!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2611 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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I am 32 and wants to initiate SIP amounting INR 15000-20000 per month . Can you guide me how to initiate this , it will be for long term min. next 10-15 year . My goal is to have decent savings and funds for my just born baby future
Ans: Starting SIPs for You & Your Little One: A Smart Move!
Congratulations on becoming a parent and thinking about your future! Starting a SIP (Systematic Investment Plan) of Rs. 15,000-20,000 per month is a fantastic decision for your long-term goals (10-15 years). Here's how to get started and some tips:

Choosing a Platform:

Multiple Options: You can invest in SIPs through various platforms:
Mutual Fund Distributor (MFD) with a CFP: Get personalized advice and invest through their platform.
Online Investment Platforms: Invest directly on user-friendly platforms.
Benefits of Each Platform:

MFD-CFP: They assess your risk tolerance, goals, and recommend suitable funds. They can also help choose an online platform.
Online Platforms: Convenient and offer a variety of investment options.
Initiating Your SIP:

Simple Process: Once you choose a platform and funds, setting up an SIP is straightforward.

Automated Investment: SIPs automatically deduct a fixed amount from your bank account every month, ensuring disciplined investing.

Investing for Your Child:

Separate SIP: Consider a separate SIP for your child's future goals (education, etc.). A CFP can help choose child-specific plans.
Remember:

Start Early: The power of compounding can significantly grow your investments over time. 10-15 years is a great investment horizon.

Diversification is Key: Invest in a mix of equity and debt funds to balance growth potential with stability. Actively managed funds involve experienced fund managers who try to pick stocks to outperform the market. Actively managed funds come with higher fees compared to passively managed funds.

Review Regularly: Review your SIPs (at least annually) with your MFD-CFP to ensure they remain aligned with your evolving goals.

Congrats on taking charge of your finances! SIPs are a powerful tool to build wealth for you and your child's future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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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