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Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 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
JV Question by JV on Nov 01, 2022Hindi
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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!

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Anu

Anu Krishna  |847 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!

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Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 01, 2021

Relationship
I am 27 years old and I have been married for 3 months now. Married life is already suffocating me may be because I never wanted to get married in the first place. I knew my parents were not gonna let me be and will definitely get me married so I wanted to marry a guy of my choice at least (even if it is arranged marriage). Anyways I tried all that I can to avoid this marriage because I didn't like the way this guy talked about certain things and we had no similarities. Except for the fact that my parents knew their family and he was educated there was nothing I liked about him. I thought it was the right thing if my parent said that I wasn't interested in this proposal so I tried to make my parents understand. I tried to discuss, argued, cried, stopped eating, did everything I could to stop but they wouldn't budge. Turns out he had already given his word. My dad threatened me that he would take his own life if this marriage doesn't happen. My entire life, every single decision was taken by my dad. From college, BTech, basically everything. Since there was at least one thing that I gained out of his decision I didn't bother much. I gained a friend for life in my 12th standard and in BTech, I was able to meet lots of people and that to a certain extent changed my thought process. Other than that since I was 15 I never got to do anything I ever wanted to do. Well my dad's threat worked. I got married thinking maybe ... just may be there might be something that I might gain. My parents are in Hyderabad and my husband works in Bangalore. In the 3 months I lived with him, the first month it was just us and now my in laws stays with us. Every second made me anxious. I keep thinking..what if they say something if I use my phone or if I sit down or spend some time at the balcony. Apart from me being stressed, anxious and hating the situation I was in and losing lots and lots of hair, everything was fine. My husband was always working. He works everyday till 10 pm and after my in laws came he spends all the time with his mom. Well that didn't bother me, i just thought that he just loved his mom so much. Nobody said anything until the day I mentioned wanting to come home as I had some work at my previous office. Out of nowhere my mother-in-law mentions how I was not their 1st choice for their son. They had lots of proposals lined up but chose me because I am from Hyderabad even though I was fat and our family wasn't rich. I didn't think it was right to say anything to her so I didn't say a word. On the day I was travelling to Hyderabad, my husband complains how I don't do the household work as much or help my mother in law. he says I sleep a lot. He wants me to quit my job and sit at home. They have problem if I order clothes to where at home. I work night shift so I tend to sleep during the day but I make sure to help my mom in law to a certain extent. When it was just us in the 1st month it was me who did all the chores and I had to do WFH too. I made it very clear to him that I will not leave my job which he didn't like and he asks me not to return and just stay at my parent's place. I explained all this to my parents and they are trying to send me back as soon as possible. Everybody who got involved in this like my parents, the uncle who brought the proposal says that it is my responsibility to change my husband. I don't see how I can change a person who thinks that everything he does is right and it is wife's responsibility to initiate a conversation even if husband doesn't and he has his entire family backing him on this. I cant seem to change my mind or my parent's mind. I can't seem to make myself like my husband. At this rate I don't know if there is any future with him at all. I mean people who wants a maid and not a wife and who thinks this way and insults others.... I am not sure if they are gonna change. My parents want to force me into this just for the fear that I might be left alone in life and more importantly for the reputation of the family but they don't think that in this marriage I will for ever be anxious and unhappy. Please help and extremely sorry for the long letter.
Ans: Dear A, Isn't it time that you took charge of your life?

If what you mentioned happened exactly that way, take charge of your life now.

It doesn't make any sense changing anyone; they will change only when they want to and wish to. But it's also worth it to figure out if you are blaming your marriage for your misery.

Do become aware if you are basing your unhappiness on things that should have happened and then blaming your marriage to aggravate that situation. This isn’t healthy.

Sometimes in life, we don't get what we have planned but with a better mind, it is possible to set things right.

Is it possible that your unhappy state of mind might also have caused a lot of unrest within the marriage?

Also, I will agree that it is quite hurtful when you hear from your in-laws that you weren't the first choice for their son.

So, you are in a place where you have to figure out: Which hurts you more... the fact that you didn't want to get married in the first place and was forced into it or the fact that your in-laws aren't happy with you.

Two different sides of the coin; which side is your situation in?

Think and reflect deeply because only you know how to get to a space that keeps you happy and sane.

If walking out of the marriage is what you feel, then do that keeping in mind how life is going to be financially and emotionally.

If you decide to work on the marriage, then have a clear communication involving your parents and in-laws and husband as well and work through the fact that your in laws maybe with you forever and this is a fact that needs to be accepted for your peace of mind.

Being anxious will not help. Do get help from a marriage counsellor to strengthen your relationship.

Whatever that decision maybe, stick by it and do it only because you want it and not because you think someone caused it.

We are all a product of our choices and every choice must only lead to a better state of mind and thereby a better life.

Be happy always!

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Anu

Anu Krishna  |847 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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 Dear Ma'am, I have been in a relationship since the last 4 years with a person 8 years older to me. We're of different caste plus I'm still in my career building phase and I can't even think of taking it to the next level. Also, since last few months the relationship has been a pain in my neck, it has been damaging my inner peace and equilibrium. He leaves and then comes back, each time I'm firm that I won't resume it but I do love him more than anything else so we get back together. In this entire process, I feel too exhausted now and the damage feels beyond repair. He's 31 already and his parents are forcing him for marriage now. Considering the impracticable situations, I know he has already given up on us but continues to be around for the emotional comfort he gets from me. He doesn't understand that it's damaging me, I can't run around in circles. He thinks let's continue it till we can, but what after that? He'll suddenly tell me he's getting married and what then? What would I do with all the anger and dissent within? Everyone around me keeps telling me to leave him because of all these reasons. Also, I'm in my early 20s and I have an entire life in front of me, I want to build my career. Also, I don't feel the need to see someone else just as a relapse or desperate situation, I'm a very conserved person that way. But I do need to break this toxic cycle and regain the control over my life. I want to grow and prosper, but this entire myriad of emotions drags me down..Please tell me what to do? Thanking you in anticipation.
Ans:

Dear SB,

What are you? His emotional sponge?

One thing I want to appeal to you is: Self-respect is something that we are so ready to give up for just a little love and attention. And the way you treat yourself is how others will treat you.

You are in your early 20s and you have an entire life in front of you and you want to build your career.

With the current space that you are in, do you feel you are choosing wisely to fulfil what you want from life and for yourself?

Also, are there other ways in which you can bring this relationship together. Like sitting him down and talking; maybe an elder in the family can do this.

If nothing works, remember, your life, your choice, your terms…nothing and no one can mess with your peace of mind unless you give them the permission to do so.

You want to prosper, then think and act in a manner that will allow you to prosperity and think of losing all that is keeping from feeling this prosperity.

Step up, take charge of your life NOW. All the best.

Disclaimer: All content and media herein is written and published online for informational purposes only. It is not a substitute for professional medical advice. It should not be relied on as your only source for advice.

Please always seek the guidance of your doctor or a qualified health professional with any questions you may have regarding your health or a medical condition. Do not ever disregard the advice of a medical professional, or delay in seeking it because of something you have read herein.

If you believe you may have a medical or mental health emergency, please call your doctor, go to the nearest hospital, or call emergency services or emergency helplines immediately. If you choose to rely on any information provided herein, you do so solely at your own risk.

Opinions expressed herein cannot necessarily provide advice to fit the exact specifics of the issues of the person requesting advice.

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Anu

Anu Krishna  |847 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!

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Anu

Anu Krishna  |847 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!

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Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 05, 2024Hindi
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My take home is 1.7lakhs paying home loan (35lakhs loan value in dec 2022) emi 45k, gold loan (16lakhs in 2022 but paid only interest and renewing till now but came to know interest increased to 9.4percent now) 35k started paying now as it is higher than home loan interest.... 35k doing Sip in mutual funds.. before getting take home around 48k going for retirement fund in EPF,nps... Monthly household expenses touching 40k but trying to reduce it.. 10k to ssy .. Help me out for better budget planning as take home are going hand on hand every month, suggest whether paying higher to gold loan is better now or pay lesser and have some breathing time
Ans: Managing multiple financial commitments can indeed be challenging, but with a structured budget and strategic debt management, you can regain control of your finances. Let's outline a plan to optimize your budget and address your debt concerns effectively.

Reviewing Your Financial Situation
Home Loan: With a remaining loan value of 35 lakhs and an EMI of 45k, continue servicing this loan as scheduled. Home loans typically offer lower interest rates and longer repayment tenures, making them manageable over time.

Gold Loan: Given the increased interest rate of 9.4%, it's essential to reassess your approach. If possible, consider refinancing the gold loan at a lower interest rate or exploring alternative financing options to reduce the burden.

SIP Investments: Continue your SIP investments in mutual funds, as they offer potential for long-term growth and wealth accumulation. Ensure your investment choices align with your risk tolerance and financial goals.

Retirement Funds: Prioritizing contributions to EPF and NPS for retirement savings is prudent. These schemes offer tax benefits and long-term wealth accumulation, securing your financial future.

Budget Planning and Expense Reduction
Household Expenses: Identify areas where you can trim expenses without compromising essential needs. Evaluate discretionary spending and prioritize necessities to reduce monthly outflows.

Sukanya Samriddhi Yojana (SSY): Continue investing in SSY, as it offers attractive returns and tax benefits, supporting your long-term financial goals, especially for your child's education.

Decision on Gold Loan Repayment
Considering your current financial situation, it's essential to weigh the pros and cons of repaying the gold loan:

Higher Repayment: Paying a higher amount towards the gold loan can alleviate debt burden in the short term, reducing interest expenses over time and providing financial relief.

Balanced Approach: Evaluate your cash flow and liquidity needs before deciding on higher repayment. Balancing loan repayment with other financial priorities ensures financial stability and flexibility.

Seeking Professional Advice
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific circumstances. A financial advisor can help you devise a comprehensive budget plan, optimize debt management strategies, and prioritize financial goals effectively.


Your commitment to improving your financial situation is commendable. By implementing a structured budget plan, optimizing debt management, and seeking professional advice when needed, you're taking proactive steps towards achieving financial stability and long-term prosperity.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 04, 2024Hindi
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I am have a ulip with 3lakh premium per year,I have already paid for 3yrs and have 3 more yrs to pay should I continue with uulip or stop the payment,as per my once we stop payment it is moved to account with 2% interest until the tenure,my current fund value is 1060000 Please advise
Ans: Deciding whether to continue or discontinue your ULIP investment requires careful consideration of various factors. Let's analyze your situation to determine the best course of action.

Assessing ULIP Performance and Features
Current Fund Value: Your ULIP has accumulated a fund value of 10,60,000 rupees over three years, indicating positive growth.

Remaining Premium Payments: You have three more years of premium payments left on your ULIP policy.

Interest on Suspended Payments: According to your policy, if premium payments are stopped, the amount is moved to an account with a 2% interest rate until the end of the tenure.

Factors to Consider
Fund Performance: Evaluate the historical performance of your ULIP fund. Compare it with benchmark indices and similar investment options to gauge its competitiveness.

Costs and Charges: Assess the charges associated with your ULIP, including fund management charges, policy administration fees, and mortality charges. Ensure these fees are reasonable and do not erode your returns significantly.

Future Financial Goals: Consider your long-term financial objectives and whether your ULIP aligns with them. Evaluate alternative investment avenues that may offer better growth potential or align more closely with your risk tolerance and goals.

Decision Making
Continue with ULIP: If your ULIP has demonstrated consistent growth, low fees, and aligns with your financial goals, continuing with premium payments may be beneficial. Ensure you can sustain premium payments without compromising your financial stability.

Stop Premium Payments: If you are dissatisfied with the ULIP's performance, facing financial constraints, or find better investment opportunities elsewhere, stopping premium payments and moving the funds to the interest-bearing account may be prudent. However, consider the opportunity cost of potentially higher returns in other investments.

Consultation and Review
Consulting with a financial advisor can provide personalized insights into your ULIP investment and help you make an informed decision. Review your ULIP policy document, assess its terms and conditions, and consider seeking professional advice before making any changes.

Your diligence in reviewing your ULIP investment reflects responsible financial management. By carefully evaluating your options and seeking guidance when needed, you're taking proactive steps towards optimizing your financial well-being.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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I'm planning to invest 5Lacs into some good mutual funds, one agressive & one balanced.. how do you think about Gulqar gear 6? is there any lock-in period on this fund?.. also please suggest me some some good fund with low expense ration & CAGR of 20% or above. Shall I consider ETF as well?
Ans: Investing in mutual funds is a prudent step towards wealth creation. Let's explore your options for both aggressive and balanced funds, along with considerations for Gulqar Gear 6 and ETFs.

Evaluating Gulqar Gear 6 Fund
Gulqar Gear 6 is a relatively new entrant in the mutual fund space, known for its aggressive investment approach. However, it's essential to conduct thorough research before investing:

Lock-in Period: Typically, mutual funds in India do not have lock-in periods, allowing investors flexibility in redeeming their investments. However, it's advisable to review the fund's offer document or consult with a financial advisor for specific details.

Performance and Risk: Assess the fund's historical performance, risk profile, fund manager expertise, and investment strategy to gauge its suitability for your investment objectives and risk tolerance.

Suggestions for Aggressive and Balanced Funds
For an aggressive approach:

Axis Small Cap Fund: Known for its focus on small-cap stocks with high growth potential, this fund has delivered impressive returns over the years.

SBI Technology Opportunities Fund: With the rapid growth of the technology sector, this fund offers exposure to technology-driven companies, potentially delivering above-average returns.

For a balanced approach:

Mirae Asset Hybrid Equity Fund: This fund strikes a balance between equity and debt investments, offering growth potential with lower volatility compared to pure equity funds.

ICICI Prudential Equity & Debt Fund: With a flexible asset allocation strategy, this fund aims to optimize returns by investing in a mix of equities and fixed-income securities.

Considering ETFs
Exchange-traded funds (ETFs) offer several advantages, including lower expense ratios and intraday trading capabilities. However, they may not always outperform actively managed mutual funds. Consider ETFs for passive investment strategies or as a complement to actively managed funds in your portfolio.

Active vs. Passive Management:
While you've included both actively managed mutual funds and index funds (ETFs) in your portfolio, it's important to understand the differences between the two. Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

Your intent to invest wisely is commendable. Before making investment decisions, conduct thorough research, assess your risk tolerance, and align your investments with your financial goals. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your needs and aspirations.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 04, 2024Hindi
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I am 37 year old. I am investing 15000 per month in sip since 3 months, how much I need to pay sip to get 3 crore at age 55 and what should be portfolio for each mutual fund. My current portfolio is hdfc smallcap 250 index fund, hdfc 150 midcap 150 index fund, Motilal Oswal 200 Momentum 30 index fund, Edelweiss 150 Momentum 50 Midcap index fund.
Ans: It's great to see your proactive approach towards financial planning. Let's devise a strategy to achieve your goal of accumulating 3 crore by age 55 through SIP investments.

Determining SIP Amount Required
To calculate the SIP amount required to accumulate 3 crore in 18 years, we'll use a systematic approach:

Calculate Future Value (FV): Using a financial calculator or online tool, compute the future value of your investments based on an assumed rate of return. For this goal, let's assume a conservative annual return of 10%.

Compute Monthly SIP: Divide the future value by the number of months (18 years * 12 months) to determine the monthly SIP amount needed to reach your goal.

Portfolio Allocation for SIP Investments
Considering your current portfolio and goal horizon, let's optimize your portfolio allocation for each mutual fund:

HDFC Small Cap Index Fund: Continue investing 250 units per month. Small-cap funds offer growth potential but are relatively riskier. However, they are essential for diversification and long-term growth.

HDFC Midcap 150 Index Fund: Allocate 150 units per month. Mid-cap funds provide exposure to mid-sized companies with growth potential, balancing risk and return in your portfolio.

Motilal Oswal 200 Momentum 30 Index Fund: Invest 200 units per month. This fund focuses on high momentum stocks, aiming to capture the market's upside potential while managing downside risk.

Edelweiss Midcap 150 Momentum 50 Index Fund: Allocate 150 units per month. This fund combines mid-cap exposure with a momentum-based strategy, enhancing portfolio diversification and potential returns.

Actively managed funds aim to outperform the market through active stock selection and portfolio management, while index funds passively track a specific index's performance.
Benefits of Actively Managed Funds:
Actively managed funds offer the potential for higher returns compared to index funds, especially during market inefficiencies or when skilled fund managers can identify lucrative investment opportunities. Additionally, active management allows for flexibility in portfolio construction and adjustments based on market conditions.
Potential Disadvantages of Index Funds:
While index funds offer low expense ratios and broad market exposure, they may lack the potential for outperformance compared to actively managed funds. Additionally, they're subject to tracking error, which occurs when the fund's performance deviates from the index it's designed to replicate.

Your commitment to financial planning is commendable. By adhering to a disciplined investment approach, diversifying your portfolio, and setting realistic goals, you're laying a strong foundation for financial success. Stay focused, stay disciplined, and keep monitoring your investments periodically to ensure they remain aligned with your objectives.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 04, 2024Hindi
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I am 37 my investments are in Axis Midcap, Tata Digital India, Nippon India Small Cap, Parag Parek Flexi, Quant Flexi, SBI Blue Chip- Total Investment 7500/pm. I am looking for 75 lac corpous in next 5 yrs. Please advise on my current portfolio & if any suggestion fo4 additional investement & in which MF
Ans: It's wonderful to see your proactive approach to wealth creation. Let's review your current portfolio, assess its alignment with your financial goals, and explore potential avenues to achieve a corpus of 75 lakhs in the next 5 years.

Reviewing Your Investment Portfolio
Your current portfolio consists of a diversified mix of mutual funds:

Axis Midcap Fund
Tata Digital India Fund
Nippon India Small Cap Fund
Parag Parikh Flexi Cap Fund
Quant Flexi Cap Fund
SBI Blue Chip Fund
Portfolio Assessment
Diversification: Your portfolio reflects diversification across different market segments, including mid-cap, digital, small-cap, flexi-cap, and blue-chip funds, which is a prudent strategy to manage risk.

Performance: Evaluate the performance of each fund relative to its benchmark index and peers to ensure they are delivering satisfactory returns over time.

Risk Management: Given your goal horizon of 5 years, ensure your portfolio's risk exposure is in line with your risk tolerance and time horizon to mitigate potential downside risks.

Strategies for Achieving Your Financial Goal
To reach a corpus of 75 lakhs in 5 years, consider the following strategies:

Increase Investment Contributions: Assess your capacity to increase monthly investment contributions to accelerate wealth accumulation. Every additional rupee invested can significantly impact your goal attainment.

Optimize Portfolio Allocation: Review your current portfolio allocation and consider reallocating funds to those with higher growth potential, keeping in mind your risk tolerance and investment objectives.

Explore Additional Investment Avenues: Consider supplementing your existing portfolio with new investments in sectors or themes poised for growth. Technology, healthcare, and thematic funds may offer attractive opportunities in the current market landscape.

Suggestions for Additional Investments
Given your current portfolio and goal horizon, consider the following additions:

Aditya Birla Sun Life Digital India Fund: This fund focuses on companies leveraging digital technologies for growth, aligning with the digitalization trend.

Mirae Asset Emerging Bluechip Fund: With a track record of consistent performance, this fund provides exposure to high-quality mid-cap and large-cap companies, complementing your existing holdings.

HDFC Small Cap Fund: Adding a small-cap fund like HDFC Small Cap can enhance portfolio diversification and tap into the growth potential of small-cap stocks.

Your proactive approach to financial planning is commendable. With disciplined savings, strategic investments, and periodic reviews, you're on track to achieve your financial goals. Stay focused, stay informed, and keep adapting your strategy as needed to navigate the dynamic market environment.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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Manoj Asked on - May 14, 2024 Hi Sir, I'm 42 years old targeting 5 Cr in 10 years. I'm investing as 75K annual in LiC jeevan saral from last 15 years, 15k in parag Parikh flexi cap from 2 years, 10k in Sbi small cap, 5k each in NIPPON small, mid and large cap, 5k in quant infrastructure.
Ans: It's great to see your commitment to achieving financial milestones. Let's assess your current investments and strategize to reach your target of 5 Crore in the next decade.

Evaluating Your Investment Portfolio
Your investment portfolio reflects a mix of traditional insurance and mutual fund investments:

LiC Jeevan Saral: You've been investing 75k annually for the past 15 years, indicating a long-term commitment to insurance-based savings.

Mutual Fund Investments: You've diversified your mutual fund holdings across various categories:

Parag Parikh Flexi Cap: 15k for 2 years
SBI Small Cap: 10k
Nippon India Small, Mid, and Large Cap: 5k each
Quant Infrastructure: 5k
Optimizing Your Investment Strategy
To achieve your ambitious target of 5 Crore in 10 years, it's essential to optimize your investment strategy:

Review LiC Jeevan Saral: While insurance-based savings provide security, evaluate the returns vis-a-vis other investment avenues. Consider consulting a financial advisor to explore potentially higher-yielding alternatives.
Insurance-cum-investment schemes
Insurance-cum-investment schemes (ULIPs, endowment plans) offer a one-stop solution for insurance and investment needs. However, they might not be the best choice for pure investment due to:
• Lower Potential Returns: Guaranteed returns are usually lower than what MFs can offer through market exposure.
• Higher Costs: Multiple fees in insurance plans (allocation charges, admin fees) can reduce returns compared to the expense ratio of MFs.
• Limited Flexibility: Lock-in periods restrict access to your money, whereas MFs provide more flexibility.
MFs, on the other hand, focus solely on investment and offer:
• Potentially Higher Returns: Investments in stocks and bonds can lead to higher growth compared to guaranteed returns.
• Lower Costs: Expense ratios in MFs are generally lower than the multiple fees in insurance plans.
• Greater Control: You have a wider range of investment options and control over asset allocation to suit your risk appetite.
Consider your goals!
• Need life insurance? Term Insurance plans might be suitable.
• Focus on growing wealth? MFs might be a better option due to their flexibility and return potential.



Mutual Fund Portfolio Optimization: Assess the performance and risk profile of your mutual fund holdings. Consider consolidating or reallocating funds to achieve better diversification and potentially higher returns.

Increase Investment Contributions: Given your goal and time horizon, consider augmenting your investment contributions, particularly in equity-oriented instruments, to capitalize on long-term growth potential.

Focus on Quality and Consistency: Emphasize quality over quantity in fund selection. Prioritize funds with proven track records, experienced fund managers, and robust investment processes to mitigate risk and enhance portfolio performance.

Regular Portfolio Reviews: Conduct periodic reviews of your investment portfolio to ensure alignment with your financial goals, risk tolerance, and market conditions. Make necessary adjustments to optimize portfolio performance and stay on track towards your target.


Your proactive approach to financial planning is commendable. With disciplined savings, strategic investments, and periodic reviews, your goal of achieving 5 Crore in 10 years is attainable. Remember, consistency and patience are key virtues in wealth creation. Stay focused, stay informed, and keep moving forward towards financial success.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 09, 2024Hindi
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How to start a SIP in any direct Mutual Fund.
Ans: Commencing a Systematic Investment Plan (SIP) is a commendable step towards building wealth. While you may contemplate investing directly in mutual funds, it's essential to weigh the advantages and disadvantages. Let's explore the drawbacks of direct investing and the benefits of engaging with a Mutual Fund Distributor (MFD).

Disadvantages of Direct Mutual Fund Investing
Investing directly in mutual funds presents several challenges:

Lack of Personalized Guidance: Direct investors may miss out on personalized financial advice tailored to their unique circumstances and goals.

Limited Expertise: Conducting in-depth research to select appropriate funds requires expertise, time, and access to reliable information, which may not be feasible for all investors.

Complexity in Fund Selection: Choosing the right funds from a vast array of options can be overwhelming, especially for novice investors lacking professional guidance.

Advantages of Investing Through a Mutual Fund Distributor (MFD)
Engaging with a Mutual Fund Distributor offers numerous benefits:

Expert Guidance: MFDs provide personalized guidance, leveraging their expertise to recommend funds aligned with your risk profile, investment horizon, and financial goals.

Streamlined Fund Selection: MFDs simplify the fund selection process, curating a well-diversified portfolio tailored to your needs, saving you time and effort.

Ongoing Portfolio Monitoring: MFDs offer continuous monitoring of your investments, ensuring they remain aligned with your objectives and market conditions, and making necessary adjustments as required.

Accessibility and Convenience: MFDs facilitate the investment process, offering convenient access to a wide range of mutual funds and handling administrative tasks on your behalf.

How to Start a SIP Through a Mutual Fund Distributor
Initiating a SIP through a Mutual Fund Distributor is straightforward:

Consultation: Schedule a consultation with an MFD to discuss your financial goals, risk tolerance, and investment preferences.

Fund Selection: Based on your objectives, the MFD will recommend suitable mutual funds, considering factors such as fund performance, risk profile, and expense ratios.

SIP Setup: Once you've selected the funds, the MFD will assist you in setting up a SIP, determining the investment amount, frequency, and duration according to your preferences.

Ongoing Support: Your MFD will provide ongoing support, monitoring your investments, offering periodic reviews, and making adjustments as needed to help you achieve your financial goals.

By partnering with a Mutual Fund Distributor, you gain access to expert guidance, simplified fund selection, ongoing portfolio monitoring, and convenience, enhancing your investment experience and increasing your chances of success.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 08, 2024Hindi
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Dear Sir,Myself and my wife investing in mutual fund for long term for about Rs 38000 pm comprise Mire asset emerging bluechip 5000;Bhandan Flexi cap 5000; BSL Tax advantage fund 5000:ICICI discovery fund 5000: Nippon India small cap 10000; Nippon India growth 80000 Everything on growth option. Pls suggest for making 2crore for another 10year
Ans: It's fantastic to see your proactive approach towards long-term wealth creation through mutual funds. Let's delve into your portfolio and devise a strategy to reach your 2 crore goal within the next decade.

Portfolio Assessment
Your diversified portfolio showcases a mix of large-cap, flexi-cap, tax-saving, and small-cap funds, reflecting a balanced approach towards wealth accumulation. Each fund serves a specific purpose, contributing to overall growth potential.

Leveraging Growth Opportunities
To attain your 2 crore target within the next 10 years, optimizing your investment strategy is crucial. Given your monthly investment of 38,000 rupees, it's essential to ensure each rupee works diligently towards your goal.

Reviewing Fund Selection
While your fund selection is commendable, consider periodic reviews to ensure alignment with market trends and performance consistency. Evaluating fund managers' track records, expense ratios, and portfolio holdings can aid in informed decision-making.

Harnessing Growth Potential
To expedite wealth accumulation, consider increasing SIP contributions gradually, leveraging the power of compounding. Additionally, explore the possibility of investing lump sums during market downturns to capitalize on discounted NAVs.

Balancing Risk and Returns
While small-cap and emerging market funds offer high growth potential, they also entail higher volatility. Ensure your portfolio is well-balanced, with a mix of growth and stability-oriented funds, mitigating risk while optimizing returns.

Setting Realistic Expectations
Achieving a 2 crore corpus in 10 years requires consistent contributions, disciplined investing, and realistic expectations. Periodic portfolio reviews and adjustments based on changing market dynamics are essential to stay on track towards your goal.

Encouragement and Advice
Your commitment to long-term wealth creation through mutual funds is commendable. With disciplined investing, strategic portfolio management, and patience, your financial goals are within reach. Remember, consistency and perseverance are key to success in investing.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2135 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

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I am 31 years old. I earn roughly 1lkh per month. My PPF portfolio is around 16lkh(started in 2018) giving 12.5k per month( helps in 80CC) lock in till 2033, I also have SIP of 24k (Axis Index, Axis Midcap& SBI Small cap each 8k) I Invest in mostly blue chip stocks time to time which is round about 8lkh. My monthly spend is around 30k. I can invest max 27k if PPF continues & 39k if PPF doesn't continue after the lock in is over. I have a few questions: 1. Is it wise to continue PPF after 15 years is complete? Or choose another alternative when its complete. 2. Any suggestions to reach 3-4cr goal by the age of 45. Thanks in advance.
Ans: You've laid out a detailed snapshot of your financial landscape, which is a great starting point for planning your future. Let's delve into your queries and strategize for your financial journey ahead.

Assessing the PPF Investment
Your Public Provident Fund (PPF) investment of 16 lakh since 2018 is commendable. It's an excellent tax-saving instrument, providing steady returns. With its lock-in period until 2033, it's been a consistent contributor to your financial stability.

Considering the 80CC benefits it offers, continuing the PPF post-lock-in can still be advantageous. However, it's wise to evaluate other options too, keeping in mind your financial goals and risk appetite.

Exploring Alternatives Post PPF Maturity
Upon PPF maturity, diversification is key. Explore investment avenues aligned with your risk tolerance and objectives. Mutual funds, balanced portfolios, and equity investments could be considered. Consulting with a Certified Financial Planner can provide tailored guidance suiting your needs.

Striving Toward Your 3-4 Crore Goal
To achieve your ambitious 3-4 crore target by age 45, a systematic approach is essential. Firstly, reassess your investment allocation and consider increasing SIP contributions, leveraging the potential of equity markets for higher returns over the long term.

Optimizing Investments for Growth
Your SIPs in Axis Index, Axis Midcap, and SBI Small Cap, along with occasional investments in blue-chip stocks, exhibit a balanced approach. However, actively managed funds offer advantages over index funds and ETFs, providing opportunities for outperformance and risk management.

Addressing Monthly Spend and Investment Potential
With a monthly spend of 30k and the capacity to invest up to 27k (or 39k post-PPF maturity), optimizing expenses further can boost investment potential. Reviewing spending habits and identifying areas for prudent savings can augment your investment corpus.

Encouragement and Advice
Your proactive approach to financial planning is commendable. With disciplined savings, strategic investments, and periodic reviews, your goals are within reach. Remember, financial planning is a journey, not a destination. Stay focused, adaptable, and keep learning along the way.

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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