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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 22, 2023

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
a Question by a on May 18, 2023Hindi
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Relationship

hi anu you can call me A recently i had a crush on a girl who is 10 yrs younger than me feeling little shy to tell her can u help plz

Ans: Dear a,
If you wish to let her know about how you feel, you need to muster courage to tell her.
You could start with a simple text in case you don't want to tell her in-person. (Hoping she isn't under the age of 18, since you have not mentioned her age or yours).
You could text her about what you like about her and tell her about yourself (since you don't know if she likes you as well).
And also be prepared to get a rejection in return as she might not feel the same as you do. It's a crush and it may or may not lead to anything huge, but you can only make an attempt.

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Oct 07, 2022

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Dear love guru, Hope u are doing well.  This story starts in 2018 when I was in my 12th. I had a huge crush on this junior girl. This girl is very intelligent and she used to get very high marks. So I took that as an inspiration and started working very hard on my academics. I started to read like a maniac and that worked and I got seat in a very prestigious college hoping she would get the seat in the same college but unfortunately she got seat in other state. I was disappointed. I was shy and never talked to her in my 12th and thought I lost my chance of talking to her ever again. But fortunately after a year, I found her insta and mustered my courage to chat with her.  Although it was awkward initially, we became good friends (I guess so) and used to chat almost daily. She is really a charmer and she chats so nicely. She is a great friend but I never had courage to say about my feelings. She used to talk about her friends, her new college and her cats and so many things about herself and as I am her senior, I used to guide her and talk about my daily experiences. We had great time talking to each other on insta, WhatsApp and even snapchat. Heck we have a Spotify playlist Collab and she even included me in her private Instagram account as a close friend (u know that girls do have spam accounts for close friends) and I was wondering whether I'm just another friend or close friend or anything more.  This continued like for many months and we chatted very well in the lockdown. I never met her or called her, we just chatted( I'm a shy guy and not so good at talking to girls). Feelings aside, she became a really good friend to me and I don't have many friends. I never said her about my feelings, fearing it would destroy this great friendship I was having. But recently she was not responding properly to my chats( I never misbehaved in the chat ). I do believe she is seeing a guy whom she met recently but I don't know whether that is a relationship or just friendship.  I was disappointed but hey it's her life and I was u know just continuing my life feeling sad sometimes or just trying to forget about her. And recently she completely avoided my messages and I was so hurt(I do have some self-respect right). U could say this as a one side love story. But this is so hard. After all she is my first love and this started affecting my academics. Should I move on or should I just continue trying to talk to her so that hopefully she will talk to me like she used to before. I don't have any problem continuing but sometimes I feel what's the purpose since it is going nowhere.  Please give me any valuable suggestion. Sorry for the long story Thank you  
Ans:

You've enjoyed a mainly online relationship; there's a lot more to things than that.

There is definitely a reason why she's not responding to your messages anymore and it could be anything -- maybe you came on too strong, maybe she's met someone else, maybe her new boyfriend is from the Stone Age and doesn't like her interacting with other male friends.

I would suggest writing her one last message to the effect that you miss your friend, you don't know why she has begun avoiding you and, at the very least, if she wants to discontinue contact she should have the courtesy of letting you know that, along with the reason why.

See if she responds.

If she doesn't, take that as a very strong and clear signal in itself that she wants nothing to do with you anymore and doesn't have manners either. In which case I would strongly suggest you cease all contact as well.

If she does show some courtesy and reply, see if what she has to say can be addressed.

And all things considered, don't be too heartbroken about this. There are many great girls out there for you to start anew with -- in person perhaps, this time around!

 

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Ravi

Ravi Mittal  |179 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 25, 2023

Asked by Anonymous - Oct 24, 2023Hindi
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Relationship
Am 54+ and I am in Love with a Women who is 31 years Younger Than me but, we haven't expressed yet that we love each of us she calls me as Kaka i had helped her during her bad times in 2021 after she had got Covid-19 and her parents don't wanted her to be with her as she approached me and told me to keep her with me for the time being till the situation gets normal after discussion how can I as am married single and alone and my daughter living with my in-laws to accomplish her studies in the mean time the girl have'nt disclosed the age but now when I asked about her age then only she told the age. Now what to do I really love her but am afraid (because of unknown of her age she was Looked like Minor in her behavioral nature) of how to convince that I Love her since last 2 years. We get together in City only for Cafeterias Long Drives and also Am taking the class how to Ride Bike (Scooty). Am her Pillon on Back to control I feel As if am with my Wife as she ( of her Pure and Innocent Soul) is no more since she met with an Fatal Car Accident in 2013. What ot do I don't want to Loose her and also Can't Leave without Her. I Also Insisted her to introduce to Her Parents but she says no. And want to clear that we are not in Physical Relationship only pure Soulful relationship. Pl. Reply GURU
Ans: Dear Anonymous,

From your question, I am assuming that she isn't showing the same interest in you. That makes my advice very simple- please leave her alone. You might feel a hundred things about her, but she might not feel the same way. You have every right to love and be loved, but not with this person whom you think might be too young for you. And even if she reciprocates it someday, I would like for you to understand that she doesn't have the emotional maturity of a full-grown adult. Find someone your age, with your maturity level. Let her be; she has her entire life ahead of her and your feelings will do her no good.

There are plenty of women looking for a genuine relationship. It will certainly be best for both of you if you consider dating those women who can give you the right kind of company and emotional support.

Best Wishes.
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Ramalingam

Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Would like to invest 20L lumpsum for period of next 5 to 7 years
Ans: Investing a lump sum of 20 lakhs for a period of 5 to 7 years requires a careful approach to balance potential returns with risk. Here are some considerations:

Risk Tolerance: Assess your risk tolerance to determine the appropriate allocation between equity and debt investments. For a shorter investment horizon of 5 to 7 years, it's generally advisable to lean towards a more conservative allocation to minimize the impact of market volatility.
Asset Allocation: Consider diversifying your investment across asset classes such as equities, debt, and possibly alternative investments like gold or real estate investment trusts (REITs). This can help spread risk and optimize returns based on market conditions.
Equity Investments: Allocate a portion of your lump sum to equity investments for the potential to generate higher returns over the long term. You may consider investing in diversified equity mutual funds or index funds that track broad market indices.
Debt Investments: Allocate another portion of your lump sum to debt investments for stability and income generation. Options include fixed deposits, debt mutual funds, or government bonds. Choose instruments with a suitable maturity period based on your investment horizon.
Review and Rebalance: Periodically review your investment portfolio and rebalance as needed to ensure it remains aligned with your financial goals and risk tolerance. Adjustments may be necessary based on changing market conditions and your evolving investment objectives.
Consult a Financial Advisor: Consider consulting with a Certified Financial Planner who can provide personalized advice tailored to your financial situation and goals. They can help create a customized investment strategy and provide ongoing guidance to optimize returns while managing risk.
By taking a diversified approach and staying disciplined with your investment strategy, you can work towards achieving your financial objectives over the next 5 to 7 years.
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Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Why don't you take into reckoning schemes of Quant Mutual Fund while suggesting funds to investors, despite their outperformance? Secondly, what do you think about lump sum investment vis a vis SIP ?
Ans: When suggesting mutual funds to investors, I aim to provide a broad range of options that align with their financial goals, risk tolerance, and investment horizon. While Quant Mutual Fund schemes may have delivered outperformance in certain periods, my goal is to offer a balanced perspective by considering various fund houses and investment styles.

Regarding lump sum investment versus SIP (Systematic Investment Plan), both approaches have their pros and cons. Lump sum investment involves investing a large amount of money upfront, which can potentially lead to higher returns if the market performs well. However, it also exposes investors to the risk of market timing and volatility.

On the other hand, SIPs involve investing a fixed amount regularly over time, which helps average out market fluctuations through rupee cost averaging. SIPs are suitable for investors who prefer a disciplined and systematic approach to investing and want to mitigate the risk of timing the market.

Ultimately, the choice between lump sum investment and SIP depends on factors such as the investor's risk tolerance, investment horizon, and market outlook. It's essential to consider individual circumstances and consult with a Certified Financial Planner to determine the most suitable approach for achieving financial goals.
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Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Suggest me sip for 10 yrs wth gud profit mam I m bala
Ans: Bala! Investing in SIPs (Systematic Investment Plans) for a period of 10 years can be a prudent way to build wealth over the long term. Here are some suggestions for SIPs that have the potential for good returns:

Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and are relatively less volatile compared to mid-cap and small-cap funds. Examples include funds that track the Nifty 50 or Sensex indices.
Multi-cap Equity Funds: These funds have the flexibility to invest across companies of various market capitalizations, offering a diversified portfolio. Look for funds with a proven track record of delivering consistent returns over the long term.
Mid-cap and Small-cap Equity Funds: These funds invest in companies with smaller market capitalizations, which have the potential for higher growth but come with higher volatility. If you have a higher risk appetite and a longer investment horizon, consider allocating a portion of your SIP towards these funds.
Sectoral Funds: Investing in SIPs focused on specific sectors like technology, healthcare, or banking can be profitable if you have a strong conviction about the growth prospects of these sectors. However, sectoral funds come with higher risk and volatility, so it's essential to diversify your portfolio accordingly.
Remember to choose SIPs that align with your risk tolerance, investment goals, and time horizon. It's also crucial to review your portfolio periodically and make adjustments as needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial situation and objectives. Happy investing!
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Ramalingam

Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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My monthly salary income is Rs.85,000/-. I have a housing loan of Rs 37.5 lakhs in SBI and am paying Rs 30,000 as EMI. This is the sixth year I am paying the loan. So far, I have paid Rs 8.5 lakhs towards the loan amount. Recently i have received an arrears of Rs.10 Lakhs. I am looking for a regular monthly income by investing Rs. 10 Lakhs. Should invest Rs. 10 Lakhs or make payment towards home loan. Please suggest.
Ans: Given your financial situation, it's important to consider various factors before making a decision.

Home Loan: Making a lump sum payment of Rs. 10 lakhs towards your home loan can significantly reduce the outstanding principal amount. This can lead to a reduction in the total interest paid over the remaining tenure of the loan and potentially shorten the loan duration. However, consider whether the interest rate on your home loan is higher than the potential returns from alternative investments.
Investment: Investing Rs. 10 lakhs to generate a regular monthly income is another option. You can explore investment avenues such as Fixed Deposits, Mutual Funds, or Bonds that offer regular interest or dividend payments. However, consider the risk-return profile of these investments and whether they align with your financial goals and risk tolerance.
Financial Goals: Evaluate your financial goals and priorities. If you prioritize reducing debt and becoming debt-free sooner, making a lump sum payment towards your home loan might be the right choice. On the other hand, if generating a regular monthly income is your primary goal, investing the Rs. 10 lakhs might be more suitable.
Consultation: Consider consulting with a Certified Financial Planner who can assess your overall financial situation, goals, and risk tolerance. They can provide personalized advice and help you make an informed decision based on your specific circumstances.
Ultimately, the decision depends on your individual financial objectives, risk tolerance, and overall financial health. Ensure you weigh the pros and cons of each option carefully before making a decision.
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Ramalingam

Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Hello Ma'am , I am investing in below mutual funds through SIP. ICICI balanced Advantage 2K HDFC Balanced Advantage 3K Tata Midcap and Largecap 3K Nippon India Small Cap 2K Motilal Midcap 2K ICICI Prudential Commodities 5K Quant Small Cap 5K Is it good funds for long terms ( Horizon of 8/10 years) ? I want to invest more 10K in SIP then which fund should I chose ? Thanks
Ans: Your choice of mutual funds for SIP investments reflects a diversified portfolio covering various market segments. Considering your long-term horizon of 8-10 years, these funds have the potential to deliver favorable returns.

However, it's essential to periodically review your portfolio's performance and ensure it aligns with your investment goals and risk tolerance. Additionally, consider factors like fund performance, fund manager track record, expense ratios, and market conditions when evaluating your investments.

For the additional 10K SIP investment, you may consider adding to existing funds or diversifying further based on your risk appetite and investment objectives. You might explore large-cap equity funds for stability and growth potential or thematic funds aligned with emerging trends if you're comfortable with higher risk.

Consulting a Certified Financial Planner can provide personalized recommendations tailored to your financial goals and help optimize your investment strategy for long-term wealth accumulation. They can also assist in monitoring your portfolio and making adjustments as needed to stay on track towards your objectives.
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Ramalingam

Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Ramalingam

Ramalingam Kalirajan  |1239 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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I am 30 years old. I want to invest 1.5 lakh monthly into mutual funds through sip. Objective is to aim 1cr in next 4.5 years. Would continue the investment going forward. Currently invested in PPF(1.5L), VPF(5k), PPFAS (3000/mo), UTI Nifty 50 Index fund(3000/mo). I have moderate risk appetite. Please suggest me funds to invest in. Also would like to explore faang. Should i broaden my debt part as i already have ppf and vpf?
Ans: Given your investment horizon and goal of reaching 1 crore in 4.5 years with a monthly SIP of 1.5 lakhs, it's important to adopt a balanced approach considering your moderate risk appetite.

For equity mutual funds, you can consider a mix of large-cap, multi-cap, and sectoral funds to diversify your portfolio. Funds with a consistent track record of performance and a strong portfolio management team may be suitable. Additionally, considering your interest in FAANG stocks (Facebook, Apple, Amazon, Netflix, Google), you may explore global equity funds or technology sector funds that invest in these companies or similar tech giants.

For the debt portion, since you already have substantial investments in PPF and VPF, you may explore other debt options such as short-duration debt funds or corporate bond funds to enhance diversification and potentially optimize returns.

It's crucial to conduct thorough research and consult with a Certified Financial Planner to select suitable mutual funds aligned with your financial goals, risk tolerance, and investment horizon. They can provide personalized recommendations and help you build a well-rounded investment portfolio. Additionally, periodically review your portfolio to ensure it remains aligned with your objectives and make adjustments as needed.
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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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