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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 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
PP Question by PP on May 05, 2022Hindi
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Relationship

Dear Anu, I am in relationship with a guy who is 8 years younger than me. We are so much into each other. 
I am a doctor by profession and he is struggling. I help him emotionally and financially as well. He loves me very much.
Although I’m elder to him he acts more mature than me.
My concern is to hold him as if I am controlling him and whenever I don't get attention I become very stressed.
I am a good-looking person and I get enough boys’ attention. He never gets jealous.
My concern is I want him to be close to me and I can't let him go outside city to grab a good job although he is very loyal to me.
Plz suggest how to destress myself.

Ans:

Dear PP,

Why don’t you give a shot at Loving Yourself and appreciating yourself?

It’s nice to get attention and adulation from another person, but if you have begun to thrive on it, it’s time to ask yourself: if you are in fact trying to ‘up’ your self-worth from his attention and the easiest way to make sure that this is in constant supply is to be clingy, possessive, jealous and controlling?

Not very healthy traits for a long relationship.

When you start to focus on yourself and love yourself, you will rely less and less on his validation and the relationship starts to form based on trust and will become every healthy.

So, spend more time on YOU! Be with Nature, spend time with your female friends, indulge in hobbies that make you smile and so on…he will also respect that space and share more of his time and attention without you having to do anything about it.

Best wishes.

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Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2022

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Relationship
 Hi I am in a relationship with a guy for 1 year. He is 5 years older than me. We are of same caste and met via social media.Initially, we had a lot of things to talk about but now we don’t have much stuff to discuss about. He fantasizes about my sis also; he told me that too. He’s been flirting with her which makes me jealous and low as well. In jealousy I sometimes speak harshly to him and that creates a fight between us. When I told him that I feel jealous he asked if I wanted him to avoid talking to her. I don't want that too. I trust him but this jealousy makes me sad and rude to him. What should I do??
Ans:

Dear SR,

He’s just in the playing field, trying out new things and experimenting.

You are possibly looking at a commitment which I am unsure of whether he is ready for it!

When you say that you are in a relationship, are you a couple or have you been simply hanging out together for the sake of being in each other’s company?

Relationship has a different meaning for each person. For some it’s being together and hanging out, for some till they are asked out, they don’t consider it a relationship.

So, please have a chat with him as to whether he wishes to be serious or not, is he looking for a long-term commitment or not.

When he digs deep for answers, he will also understand his mind space better, and it will give you a clear indication as to where this is all headed.

Till then all you will be doing is fixing and repairing his playing field.

All the best!

..Read more

Ravi

Ravi Mittal  |469 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 28, 2024

Asked by Anonymous - Jun 28, 2024Hindi
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Relationship
I am dealing with brkup its been 2 months its mutual because he is bhramin his parents will not allow intercaste and for me its not possible to settle in place where he lives . its almost 3-4 year of relationship from my age of 18 he was there with my i lost my father during corona he took care of me , he stayed by my side he is not upto the mark but still he is always there for me after that i leave that state where both we stayed and we did long distance for 2 years but now as he come to know his parents are way more strict he dont want to hurts his parents and even my reason that i have to compromise lot carrrer difference and all. As i lost my father at age of 18 i cry lot every one day gap during my relationship also i was so anxious , and some times due to family problems i always used to be disturbed and dont want to live sometimeslike sucidal thoughts and all but at the time of relationship i share all this to him and i feel okay and got back to my study as he motivates me little . but now after brkup i dont have any real friends , i cant talk to any one neither any person messeges me my depression is becoming more big now we are in no contact for some days but again we talk and again we are in no contact he feels like he is in guilt becos he hurted me and made me miserable also he dont think about any other relation ship whatever his parents will bring he will do but for me not that case becos we dont have nay guardian i have to in my own actually we are not that big for marriage but we thought of future more and brkup becos of i have to find some one right we are 21 also my campus placements are coming his neet pg is coming but my heart cries every day i feel choked , i cried , choked and hurt my head it happens often but i still think we can not talk becos how can we move on from some body we talk but my depression at peak level i msg him with bigtext with all that goin on my life. should we talk ? as their is no rush to find other person we have to first focus on career how can we set boundaries? though if i talk i mak eme feel someone i can talk and make me releif at the sam etime it hurts if i dont talk also its hurts more as i ahve no one to talk with . he insisted me that we can be friends i can see u like this he wants me to be happy he feel he did the sin to me. Pls tell what will be good for me how can i be little releif what should i should i talk treat or my depression how ?
Ans: Dear Anonymous,

I am very sorry for your loss. Losing a parent is tough. I am also glad you found someone to share your pain with at that moment. Coming to your dilemma- whether you should be in touch with him- I understand that it is a great relief to talk to him, but that is momentary, isn't it? You cannot continue doing this if you two are broken up. Even though he is not planning to get married right away, the problem is that he will someday. Plus, more often than not, one person moves on faster than the other, and in your case, if it's him, it will hurt more. The right thing to do is sit and have a clear conversation. Discuss the possibility of getting back together. Ask what is in his mind and express what's in yours. But going in this circle will only hurt you more; maybe not today, but someday it will.

Now, coming to your depression, I would suggest sharing your pain with close friends but you mentioned you have none. That is not uncommon. Not all of us are blessed with it. In that case, I recommend seeing a professional therapist. There is absolutely no shame in it. Rather it will help you in sorting your feelings. Finally, you can take care of them without relying on your ex. I am sure you are doing a wonderful job in managing your depression but a professional counselor can help you come out of this in a more structured way. Please consider it. If you are not comfortable seeing someone in person, there are several counselors available online. Just try it once and see how that makes you feel.

Remember we all need help occasionally. You are amazing and you do not have to hold everything together alone.

Best Wishes.

..Read more

Anu

Anu Krishna  |1402 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 04, 2024

Asked by Anonymous - Jul 03, 2024Hindi
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Relationship
Dear Anu, I am in relationship for 6 months and now we are in long distance relationship, I have struggled a lot in family love issues, so I always craved for love, but my boyfriend is a bit distant, although he tries his best, but I just can't get over, I feel like i deserve to be loved more and deserve good care and attention, there are always the things which he hurts me almost everyday now, I feel like shutting down my emotions again, I feel very low after his actions, although he has his reasons which are correct too, but little bit wrong too, he does not think deeply about me, because he is immature himself, we are just 19, I don't know and unable to understand what should I do, should I shut myself down and try to study and not talk to him by giving him excuses that I am busy, I really am losing more and more trust from him, and slowly my will to share things is getting lost, although I scream from inside that I want to share but after his actions hurt me, I feel puzzled from inside, he is good, but I don't think he is much into these love and stuffs, he is just chill with his life, as he shows off, so much that I misunderstand him a lot, how can we understand each other better, we just keep hurting each other, because of our different thoughts and perspective, I love him so much, I want to be with him, but his actions make me further distant from him, and he also says he has his own privacy, I don't understand, if relationship is built on trust then what kind of privacy, I don't mean , I don't understand him, i respect his opinion, but because of his perspective, he hurts me too, and doesn't respect my perspective, I feel like relying on him emotionally and always have been, but he thinks I speak too much and he doesn't value it much, and doesn't understand how much hard it is for me to share....I really feel very much overwhelmed and it's not getting any better, every night I feel pain and keeps on crying, it's not stoping, it's becoming a loop, please guide me, what should I do.
Ans: Dear Anonymous,
All I can see and hear from you is: that you are dependent on him for you happiness!
Okay, 'I have struggled a lot in family love issues' (as you mentioned) BUT looking for that to be filled from someone externally is only going to disappoint you.
How can you replace family and sibling love and attention from outside?
Also, being 19, both of you are still not mature to put things in perspective. Do understand that every time you complain to your boyfriend and call that a 'perspective', you are just pushing him away...he's just being a boy of 19 trying to have a carefree life and a girlfriend with who he can share and of course, feel 'cool' in his guy gang.
Why are you expecting him to fill in for the missing love? He cannot as whatever he does, he will always fall short as in your mind you will compare with what you ideally would want and he will fall short. Then, the drama will begin where you will complain, he will defend and he will slowly call that his carefree ways and he will say: I am like this only!
And then you will feel hurt and the drama will continue.

First things first; you cannot fulfill what love you lack from outside. Learn to love yourself first. the concept of self-love is rage these days BUT it has always been around in simpler ways from the very beginning. Love what you do everyday, surround yourself with friends that you feel good with, focus on your academic goals...
Loving oneself is the way to go; it might seem a bit difficult at you age to fathom as everything external excites you...So, focus on your self and put less attention in what your boyfriend does or doesn't. Slowly, you will appreciate the things that he does for you...And you will start to feel better from within!
Your self-worth is something only you can grow from within and this cannot be dependent on anything or anyone external. Grow your strength from within!

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7279 Answers  |Ask -

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

Asked by Anonymous - Dec 17, 2024Hindi
Money
Question on Financial Planning: I am 53 years old and took retirement in 2023, a year ago. I have a corpus of approximately ?20 crores allocated as follows: ?6.5 crores in stocks ?5 crores in mutual funds ?5 crores in debt instruments ?2 crores in gold ?1.8 crores in a savings bank account** (to cover the next 12 years of household expenses). My monthly expenses are approximately ?1 lakh, and I receive: ?70,000 per month as house rent (?8.4 lakhs annually) ?10 lakhs annually as dividends from stocks. I have allocated ?5 crores in debt instruments to fund the higher education of my two sons (expenses will arise after 1 year and after 4 years). My goal is to grow my equity portfolio over the next 12 years since I do not depend on it for my current monthly expenses. Additionally: I have adequate health insurance. I own properties worth ?7.5 crores. I have no liabilities. My query: Is my financial planning on track, or do you see any areas for improvement or correction? I am open to suggestions for optimizing my investments, especially considering my goals of equity growth, funding my sons' education, and maintaining a comfortable retirement.
Ans: Your financial planning reflects strong foresight and effective resource allocation. With a corpus of Rs. 20 crores and no liabilities, your position is financially stable. Let us evaluate your financial setup from a 360-degree perspective and suggest areas for optimisation.

Assessment of Current Allocations
Equity Portfolio: Stocks (Rs. 6.5 Crores)
Your equity allocation reflects a growth-oriented approach.
A diversified stock portfolio is ideal for long-term growth.
Ensure the portfolio is well-balanced across sectors and market capitalisations.
Mutual Funds (Rs. 5 Crores)
Mutual funds provide diversification and professional management.
Review the fund categories to maintain a mix of large-cap, mid-cap, and flexi-cap funds.
Regular performance reviews are essential to optimise returns.
Debt Instruments (Rs. 5 Crores)
Allocating Rs. 5 crores for your sons’ education is prudent.
Ensure the debt investments are in low-risk instruments like bonds or fixed deposits.
Laddering maturity dates aligns well with your sons’ educational timelines.
Gold (Rs. 2 Crores)
Gold provides stability during market volatility.
Keep it as a hedge against inflation but avoid further allocation to this asset.
Savings Account (Rs. 1.8 Crores)
Holding Rs. 1.8 crores for 12 years of expenses is a cautious approach.
Move a part of this amount into liquid funds for better returns with liquidity.
Income and Monthly Expenses
Rental Income (Rs. 8.4 Lakhs Annually)
Rental income covers 70% of your monthly expenses.
Ensure the rental property is well-maintained to sustain consistent returns.
Dividends (Rs. 10 Lakhs Annually)
Dividend income provides an additional safety net.
Reinvest surplus dividends into mutual funds for compounded growth.
Monthly Expenses (Rs. 1 Lakh)
Your monthly expenses are comfortably managed.
Maintain a contingency fund of at least Rs. 20-25 lakhs for unexpected costs.
Recommendations for Optimising Equity Portfolio
Focus on Quality Stocks

Prioritise stocks of companies with strong fundamentals and consistent earnings.
Avoid overexposure to any single sector or company.
Systematic Equity Investments

Add to your equity portfolio gradually through Systematic Transfer Plans (STPs).
This reduces market timing risks.
Regular Portfolio Review

Review the equity portfolio annually.
Exit underperforming stocks and reallocate to high-growth opportunities.
Enhancing Mutual Fund Returns
Diversify Fund Selection

Include funds with different strategies to maximise returns.
A Certified Financial Planner can help identify high-performing funds.
Avoid Direct Mutual Funds

Regular funds offer advisory support for timely rebalancing.
This helps navigate market volatility effectively.
Utilise Tax-Efficient Withdrawals

Plan withdrawals systematically to reduce tax liability on capital gains.
Debt Instruments: Securing Educational Goals
Low-Risk Instruments for Predictable Returns

Allocate funds to secure options like government bonds, fixed deposits, or debt mutual funds.
Match the maturity timelines with educational milestones.
Avoid Premature Withdrawals

Breaking long-term debt investments can reduce returns.
Use other funds for emergencies to protect this allocation.
Optimising Gold Allocation
Retain as a Hedge

Gold should form no more than 10% of your portfolio.
Avoid further investments unless there are specific requirements.
Leverage Gold for Liquidity

Gold-backed loans can provide temporary liquidity if needed.
Savings Account Allocation
Move Funds to Liquid Investments

Savings account returns are suboptimal for such a large balance.
Move funds into liquid funds for higher returns and liquidity.
Emergency Fund Segregation

Retain Rs. 50 lakhs for immediate emergencies.
Invest the rest in short-term debt instruments or liquid funds.
Maintaining a Comfortable Retirement
Healthcare Planning

Ensure health insurance policies are adequate for critical illnesses.
Maintain a separate corpus for medical emergencies.
Contingency Fund Maintenance

Keep Rs. 20-25 lakhs readily accessible for unforeseen expenses.
Review this fund periodically to adjust for inflation.
Estate Planning

Draft a will to avoid disputes and ensure smooth wealth transfer.
Assign nominees for all investments and properties.
Taxation Considerations
Equity Taxation

Long-term capital gains (LTCG) above Rs. 1.25 lakhs are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt Taxation

Debt instruments are taxed as per your income tax slab.
Choose tax-efficient options like tax-free bonds if needed.
Dividend Income

Dividends are taxed at your marginal income tax rate.
Reinvest dividends for tax-efficient growth.
Final Insights
Your financial plan is well-structured and aligns with your goals. However, optimising your equity and mutual fund allocations can enhance growth potential. Move idle funds from your savings account into liquid investments for better returns. Review and rebalance your portfolio periodically with the help of a Certified Financial Planner. Your current strategy provides a secure foundation for funding education, retirement, and wealth growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7279 Answers  |Ask -

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

Money
Hello Sir.. I am 44 years old and don't have any investment but now wanted to invest in limited SIP and can invest 30K every month onwards for next 10 years Please suggest what amount and which SIP should I select?
Ans: At 44 years of age, investing Rs. 30,000 monthly for the next 10 years can help you build a substantial corpus. The plan will ensure wealth creation while maintaining a balance between risk and return. Let’s analyse the best approach for your financial journey.

Setting the Foundation: Your Investment Goals and Risk Appetite
Define Clear Goals

List your financial goals: retirement, children’s education, or wealth creation.
This helps in aligning investments with timelines and objectives.
Understand Your Risk Tolerance

At 44, you have a medium-term horizon of 10 years.
A mix of aggressive and moderate risk funds suits this duration.
Plan for Diversification

Diversification reduces risks and optimises returns.
Split investments into large-cap, mid-cap, small-cap, and hybrid funds.
Optimal Monthly Allocation of Rs. 30,000
Large-Cap Funds (Rs. 7,500)

Focus on stability with established companies.
Large-cap funds are resilient during market volatility.
Large and Mid-Cap Funds (Rs. 6,000)

Combine stability with moderate growth potential.
These funds are ideal for medium-term horizons.
Flexi-Cap Funds (Rs. 6,000)

Flexi-cap funds invest across market capitalisations.
They balance risk and growth, making them versatile.
Mid-Cap Funds (Rs. 5,000)

Mid-cap funds offer higher growth potential.
Invest for higher returns with a manageable level of risk.
ELSS Tax-Saving Funds (Rs. 5,500)

These funds provide tax benefits under Section 80C.
ELSS has a lock-in of 3 years and offers equity-like growth.
Benefits of SIP Investing
Rupee Cost Averaging

SIPs buy more units when markets fall and fewer when they rise.
This reduces the overall cost of investment over time.
Power of Compounding

Compounding grows wealth exponentially when you stay invested.
Reinvestment of returns boosts your corpus significantly.
Market Discipline

SIPs promote regular investments irrespective of market movements.
This ensures systematic wealth accumulation.
Active Fund Management Over Index Funds
Why Actively Managed Funds?

Actively managed funds outperform index funds over the long term.
Professional fund managers adapt to market trends effectively.
Drawbacks of Index Funds

Index funds lack flexibility during market downturns.
They mirror the index, limiting growth opportunities in bearish phases.
Benefits of Regular Plans with CFP Guidance

Regular plans come with advisory support and regular portfolio reviews.
A Certified Financial Planner ensures optimal fund selection and rebalancing.
Monitoring and Rebalancing Investments
Annual Portfolio Review

Review fund performance every year to ensure alignment with goals.
Replace underperforming funds promptly with better alternatives.
Asset Allocation Rebalancing

Adjust equity and debt exposure based on market conditions.
Move to safer options in the later years as you near your goal.
Tax-Efficient Withdrawals

Plan withdrawals systematically to minimise tax liabilities.
Use systematic withdrawal plans (SWPs) for tax-efficient regular income.
Building a Medical Corpus for Contingencies
Separate Health Fund

Allocate a part of savings for medical emergencies.
Health-related costs should not disturb your investment goals.
Health Insurance Optimisation

Even if health coverage is minimal, top-up plans can reduce financial stress.
Use your investment surplus for medical contingencies if needed.
Taxation of Mutual Funds
Equity Funds

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds

Gains are taxed based on your income tax slab.
Debt funds are best for risk-averse investors nearing retirement.
Tax-Saving ELSS Funds

ELSS investments help you save taxes under Section 80C.
They provide dual benefits of tax savings and long-term growth.
Preparing for Long-Term Financial Independence
Retirement Focus

Allocate part of your corpus to retirement.
Ensure a balance between immediate goals and post-retirement needs.
Emergency Fund Creation

Build a corpus for at least six months of expenses.
Keep it in a savings account or liquid fund for easy access.
Nomination and Will

Assign nominees for all investments.
Create a legally valid will to avoid complications in asset transfer.
Final Insights
Investing Rs. 30,000 monthly through SIPs is a disciplined approach to wealth creation. Diversify investments into equity-oriented funds for growth and tax-saving funds for benefits. Periodically review and adjust your portfolio for better results. Seek guidance from a Certified Financial Planner to ensure that your investments align with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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