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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 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
Asked by Anonymous - Nov 01, 2023Hindi
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Relationship

Dear Anu; This happened a long time ago. But i still need to get it off my chest. Over 15 years ago i used to chat with a boy Mr. Y on social media/ messenger. Both of us were in early twenties. We used to talk till late nights on messenger and i thought it was more of a one sided thing and i thought i was the only one who was emotionally involved. Until his brother once approached me saying that Mr. Y will never tell me about his real feelings for me since he is incredibly shy and introverted. And whether i wanted to take this forward . Anyway his Dad didnt really approve and Mr. Y didnt know about this either. We continued to chat on messenger and also met a few times but only with friends. We had also exchanged numbers and would send forwarded messages to each other; nothing personal. Over the next year the messenger conversations fizzled out and we would only exchange forwarded messages. He never did ask me out even once. However i heard from common friends that he was saying stuff like i am inundating him with mesages; and how he was really not into me. But he never asked me to stop sending forwarded messages either. One day he messaged me saying that he will be going out of country and then he didnot message me or stay in contact with me for almost a year. I changed my location to another city after a year( work) and did mesage him just updating about my new number. He then got in touch with me; visited me once all by himself( apparently he had some work in this city) and asked me out . I asked him why now and he replied that he had asked a close friend of his; and the friend had adviced him to ask me out. We spent some time together and next day he told me not to tell his other friends that we had met. By this time i was quite fed up and the year that he did a dissapearing act I was seeing someone who was confidant and wasnt afraid of showing his affection for me. So eventually i told Mr. Y that i am seeing someone and then we barely met after this. A year later; on his social media account i saw his conversations with another where he told about his love for a girl and how it did not progress since he never declared his feelings for her. Anyway what i need to know 1) why did he ghost me? 2) If he did love me as his brother proclaimed; why did he boast to his friends that he I was chasing him? 3) is this person narcissist? 4) Did i totally misjudge the situation? Somehow after all these years; I still fell i was misled or wronged and at times i feel that i dodged a bullet! I want someone i.e. You to give me a fresh perspective. We are not in touch now. Sometimes things trouble you later in life and this incident probably is one of those. Would appreciate if you could shed some light. Anju

Ans: Dear Anonymous,
1) why did he ghost me?
Why do people ghost others? Either they are not interested or are embarrassed with that someone or are unsure about them.

2) If he did love me as his brother proclaimed; why did he boast to his friends that he I was chasing him?
His brother told you, he didn't right? And it's great to boast to friends about a girl chasing him right? It pegs him right on top within his social circle.

3) is this person narcissist? - That is something that needs more contexts to come to a conclusion. But, from what you have shared, he seems to love to control the happenings in his life, his way irrespective of how it might impact you. Walking in and out of your life at his whim, is a red flag for sure!

4) Did i totally misjudge the situation? - Quite possible that you did. But hey, maybe you were just playing to what you saw and responding to it. He seems unavailable and available when he feels like. Do you want to be available for a person who lacks basic respect for your time?

Also, the fact that he did not declare is feelings for the other girl should also tell you that he did the same with you as well. He is perhaps not ready for a commitment. Why waste time and energy on someone like that? Why chase someone who likes to be chased but won't stop to think of whether he can make a commitment? He seems to love the attention but will not reciprocate the same.

This might give you a perspective on what you have been doing so far and what must you do from hereon...

All the best!

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Hi Anu, my story is quite big. I am 43 and I love a man of my caste who is 52. He is not married and my father had showed me his profile in 2006 for marriage. Those days I was not interested in marriage and so I rejected him. I saw his profile in March 2019 in matrimony and sent him interest and he gave me a reply. I fell in love with his profile in 2020 and further gave him reply on his mobile. I went to see him in Pune in 2020 October. Since then we have only been chatting on WhatsApp. When I asked for commitment in Feb 2021, he said his sister is not keeping well. Then he lost his father in August 2021. Earlier in 2020 he used to call me and we used to talk for hours. It all stopped in 2021 February when his sister fell sick. Now I stopped messaging him but he still keeps sending me some or other forwards. He says he wants to marry me (He said this Jan last year when I asked him if he is interested in marriage) but this year has been tough. I am really fed up of the delay. I still love him very much. He is very intelligent and professionally qualified and has good hobbies -- he is a Himalayan trekker and has sent me pics of his trek. He also encourages me to do many things but I am bored of the delay. Should I trust him and wait for him?
Ans:

Dear VG,

It looks likely that when you sent him your interest request, your feelings were from 2006. But hey, everyone has grown older and wiser since then.

Also, to expect him to have the same level of interest that you have, isn’t wise as he has led a different life to yours.

What happens is when we start our lives together when we are younger, we merge on a lot of ideals and thoughts.

When the same marriage/companionship/relationship happens when we are older, having had separate experiences and a different life, we might not have much in common in terms of thoughts and way of being in life.

Given that, have an honest chat with him face to face, and express what you want out of this connection.

Give him time to process his own life, his needs, his wants, his priorities and then get back to you.

If he is clearly not into this, no point waiting for him and tugging at your heart strings.

So the only way that I feel is to have a mature face to face talk where both of you have space to be assertive and communicate boldly. It will help both of you to decide what’s best.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2022

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Hi Anu, How are you? Hope you are doing well. So my situation is: I'm 23 years old. Due to my extremely toxic past experiences in relationships, I chose to be single to bring a balance in my life. I have been single for almost a year now. But last month I was on a sabbatical. I had travelling plans but I had to cancel everything due to the rise in the covid19 pandemic. I joined a dating app (I swore that I would never use a dating app. But then this year I wanted to do something that I would never consider doing. So I decided to join a dating app just to see what goes in there). I wasn't looking for any relationship or anything like that. I was mostly fine with my single life (except the physical intimacy part of course). Then I got matches with guys. But I had no interest in any of them. I chatted with a couple of them but got bored within minutes. I matched with a guy and started talking to him. He seemed nice from the start. I could connect with him very easily. We were on an equal intellectual level. But that was just day 1. From day2, he was not really into the conversation. He was only answering my questions, not really asking anything. But while talking, he clearly told me that he wasn't into relationships or dating currently as he broke up 1 year ago and needed time to clear his mind space. I didn't really care about all this stuff since I wasn't looking for anything at all. But his prosaic interview type answers were very irritating and I had to get back to my work too. So I deleted my profile without apprising him anything and by that time we already connected on IG. But after that conversation, he was kind of all over my mind. It was really difficult for me to focus on my work for the next 2-3 days. So I thought if I text with him for 2-3 days, I would be fine probably. But when I texted him on IG, he wasn't surprised that I’d deleted my profile on that dating app without even telling him anything. Moreover, he was texting in a very formal manner. After a while, he stopped replying. I didn't text after that. I was done with him.Since that day, my mind has been craving for his attention. I know that he isn't the guy I should spend my time with no matter how good I found him initially. But my focus and concentration is really getting affected by his thoughts. On VDay I thought maybe he was going to ask me out(because last month he made it conspicuous that he was going to meet me on V -day). But he is a ghost now. Please tell me how do I erase his thoughts from my mind totally so that I can focus on my work as I have piles of work to get done.
Ans:

Dear SD,

Ghosting of a high order.

Why exactly were you anticipating him to give you all the attention?

Why were you craving for validation from someone who you haven’t chatted or met with?

Why did you base so many emotions on a ‘connection’ that wasn’t one in the first place?

Dating apps are an ocean of people who have different needs to be met and distractions are heavy.

Every moment, the mind is seeking an association with a new person in the hope that he or she will be better than the previous one.

How did you expect him to feel the same way as you did at that very moment? Maybe it’s time to introspect what you learned during your sabbatical.

Did you pour enough self-love so that you wouldn’t wait for someone else to love you? If No, then time to step back and validate yourself for ONCE.

You must learn to look at yourself with a fresh pair of eyes, laud yourself and love yourself even more.

Fill yourself with so much care are love that the next time, you are on an APP, it’s for a very good reason and with a lot of confidence that you can hold your space and not get swayed by who is messaging or who isn’t!

Life offers you with so many opportunities to change from within; start right away and as far as this “Ghost Guy”, even if he is back, he will scout around for more greener pastures as far as an unsteady mind goes.

So you possibly might just be one of them. Investing so much time in all of this is straining.

Join groups that meet often and on a common theme and maybe you might find someone interesting and someone who has similar values and ideals as you.

Good luck to a new way of thinking and acting!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

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

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Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 2023

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Hi Anu; I had an altercation with a friend which was followed by him apologising about the same. The next day he stopped all communications completely. However when we met a month later he was absolutely sweet as if nothing had happened. At the same time he didn't keep much contact at all. He is very nice and courteous on watsapp and at other times when ee meet in person looks through me as if I dont exists at all. On phone whenever we have spoken with each other; he is absolutely charming. It is obvious that he doesnt want to be in touch. Let me add that there is no romance involved. Why do people behave the way they do? Hot one moment and cold the next? Its obvious he cannot stand me; but I wish he would stop playing games and be his normal self at all times. Keeping watsapp conversations charming but not interacting face to face is pretty confusing for me since I am straightforward person. Can you give your opinion regarding the same? Frankly speaking I feel he is a drama king and thrives on it. And honestly I dont really want to keep in touch but sometimes we do meet because of common friends. Just thought of asking you about this. Do some people always like to play mind games? Take care!
Ans: Dear Rajani,
Firstly let me put all your thoughts (assumptions) in one place. Assumptions are statements based on perceptions and not facts which sour connections and breaks relationships.
These have been picked from your question to me.
1. It is obvious that he doesn't want to be in touch
2. I wish he would stop playing games
3. I feel he is a drama king and thrives on it

This is your reading of the situations based on the way you have understood it. How much of this is true? Could it be your version of the truth?
Also, you have stated that you don't want to keep in touch; then why are you?
And if you really didn't want to, why is his playing games bothering you?
My suggestions:
1. Be clear if you want an association with him. If Yes, please clear out the air, so that there is no room for assumptions anymore.
2. Do understand that sometimes people are on eggshells after an altercation; he possibly is also carrying a lot of assumptions about you in his mind and that's why he's hot and cold alternatively.
3. Give the benefit of doubt to people; they might be going through something that you makes them behave in an odd way.
3. Drama King or not, there's a lot of unsaid discomfort between the two of you; do get into a non-judgemental space so even if the two of you don't patch up, it can be an amicable goodbye.

Steer away from assumptions and it makes room for either rebuilding a relationship or part ways on a good note.

All the best!

..Read more

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Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 06, 2024Hindi
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I'm having 35L lumpsum. Please suggest investment strategies to make it to 1CR in roughly 5 YEARS or before. Experienced & Professionals please suggest. I need help. Please.???? Your valuable insights & suggestions are MOST WELCOME. THANKS IN ADVANCE. KINDLY HELP ????????????
Ans: let's approach this with a realistic perspective. Achieving a 1 crore target in just 5 years from a 35 lakh lump sum is quite ambitious and may involve high-risk strategies. It's essential to understand that aiming for quick riches often leads to disappointment and potential loss of principal.

Instead of chasing unrealistic targets, focus on sustainable wealth-building strategies. Consider allocating your lump sum across a diversified portfolio of assets such as equity mutual funds, debt instruments, and possibly some exposure to real estate investment trusts (REITs) or gold ETFs for stability.

Aiming for a reasonable annualized return of around 12-15% is more realistic over the long term. Remember, slow and steady wins the race in wealth accumulation. Avoid falling for get-rich-quick schemes or high-risk investments promising unrealistically high returns.

Prioritize your financial goals, whether it's wealth creation, retirement planning, or other objectives, and tailor your investment strategy accordingly. Consult with a certified financial planner to create a personalized investment plan aligned with your risk tolerance and financial objectives.

In conclusion, while it may not be feasible to achieve a 1 crore target in just 5 years with a 35 lakh investment, adopting a disciplined and diversified approach to investing can help you steadily build wealth over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hello Jinal, greetings, I have been investigating in the below funds. Please let me know whether I should continue my SIP of 40K in these below funds for next 10,15,20 years. Investing since Apr 2023. Age 33, goals: retirement, children education and marriage. Funds: 1. Axis growth opportunities direct fund. 2. DSP Value fund direct. 3. SBI multi cap direct fund. 4. PPFAS flexi cap direct fund. 5. Quant tax saver fund direct. Reason to choose these funds to get diversified categories as well as international exposure. Adding more, like each funds strategies are different from each other.
Ans: It's great to see your commitment to long-term financial planning! Your chosen funds indeed offer a well-rounded portfolio catering to various investment objectives. Each fund's distinct strategy enhances diversification, mitigating risk and maximizing returns over time.

Axis Growth Opportunities fund provides exposure to high-growth potential companies, aligning with long-term wealth accumulation goals. DSP Value fund, focusing on undervalued stocks, adds stability to your portfolio, crucial for achieving financial milestones like children's education and marriage.

SBI Multi Cap fund's flexibility in investing across market caps ensures adaptability to market dynamics, essential for sustained growth. PPFAS Flexi Cap fund's international exposure offers a hedge against domestic market volatility, fostering global wealth creation opportunities.

Quant Tax Saver fund not only aids in tax efficiency but also provides a unique investment approach, complementing the other funds' strategies. However, it's vital to monitor fund performance periodically and rebalance if necessary to stay aligned with your goals.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Remember, investing is a marathon, not a sprint. Stay disciplined, and trust the process. Your dedication to systematic investment will yield significant results over the years, securing a comfortable future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hello Sir, greetings, I have been investigating in the below funds. Please let me know whether I should continue my SIP of 40K in these below funds for next 10,15,20 years. Investing since Apr 2023. Age 33, goals: retirement, children education and marriage. Funds: 1. Axis growth opportunities direct fund. 2. DSP Value fund direct. 3. SBI multi cap direct fund. 4. PPFAS flexi cap direct fund. 5. Quant tax saver fund direct. Reason to choose these funds to get diversified categories as well as international exposure. Adding more, like each funds strategies are different from each other.
Ans: It's great to see your commitment to long-term financial planning! Your chosen funds indeed offer a well-rounded portfolio catering to various investment objectives. Each fund's distinct strategy enhances diversification, mitigating risk and maximizing returns over time.

Axis Growth Opportunities fund provides exposure to high-growth potential companies, aligning with long-term wealth accumulation goals. DSP Value fund, focusing on undervalued stocks, adds stability to your portfolio, crucial for achieving financial milestones like children's education and marriage.

SBI Multi Cap fund's flexibility in investing across market caps ensures adaptability to market dynamics, essential for sustained growth. PPFAS Flexi Cap fund's international exposure offers a hedge against domestic market volatility, fostering global wealth creation opportunities.

Quant Tax Saver fund not only aids in tax efficiency but also provides a unique investment approach, complementing the other funds' strategies. However, it's vital to monitor fund performance periodically and rebalance if necessary to stay aligned with your goals.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Remember, investing is a marathon, not a sprint. Stay disciplined, and trust the process. Your dedication to systematic investment will yield significant results over the years, securing a comfortable future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hi I'm Atish, I want to invest a lumpsum of 3lakhs in which fund I should invest please guide.
Ans: Hello Atish,

Investing a lump sum of 3 lakhs requires careful consideration of your financial goals, risk tolerance, and investment horizon. Here's a suggestion on where you could invest:

Given the current market conditions and your investment horizon, consider allocating your lump sum across a diversified portfolio of mutual funds. Since you're investing a significant amount at once, it's crucial to mitigate risk by spreading your investments across different asset classes.

You can consider investing in a combination of large-cap, mid-cap, and multi-cap equity funds to capture growth opportunities across market segments. Additionally, allocating a portion to debt funds can provide stability to your portfolio and reduce overall volatility.

Look for mutual funds with a proven track record of consistent performance, low expense ratios, and experienced fund managers. Consider funds that align with your investment goals and risk appetite.

Before making any investment decisions, it's advisable to consult with a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can help you design a personalized investment strategy and select suitable mutual funds to achieve your objectives.

Remember to review your investments periodically and make adjustments as needed to stay on track towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hi sir I started my investment in dsp mutual fund with 11,000 from July 2023 and in Bank of India mutual fund in small flexi and multi cap 4000 each every month from December what could be me return after 15 years
Ans: Predicting the exact returns of mutual fund investments over 15 years is challenging due to market uncertainties. However, we can estimate potential returns based on historical performance and certain assumptions.

DSP Mutual Fund and Bank of India Mutual Fund offer a range of equity-oriented funds, which historically have provided higher returns over the long term compared to fixed-income investments.

Assuming an average annual return of 12% for DSP Mutual Fund and 10% for Bank of India Mutual Fund, which are reasonable estimates based on historical market performance, we can project the future value of your investments.

Considering your monthly investments of 11,000 in DSP Mutual Fund and 8,000 (4,000 each) in Bank of India Mutual Fund, let's calculate the future value using a mutual fund calculator.

After 15 years, your investments could potentially grow substantially, providing a significant corpus for your financial goals. However, it's essential to review and adjust your investments periodically based on market conditions and your financial objectives.

Keep in mind that these are projections based on historical data and assumptions. Actual returns may vary depending on market performance and other factors. It's advisable to consult with a Certified Financial Planner for personalized investment advice tailored to your specific needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Hi sir I am 58 years old. I never invested any stock market or shares or any such market funds I was working in gulf country. Earned around 8cr . Now all in fixed deposits. I was busy during my job time. I was only concentrate my jobs .now I want advice how to invest on My atleast half amount MF smilar funds. I also invested realestate around 25 years back. Now all got good appreciation. I have 2daughter and one son.daughters are earning good salary. Son studying.no loan or no commitment . Please advice how I can invest on MF stock linked market so I can make enough better growth than fixed deposits
Ans: It's commendable that you're considering diversifying your investments beyond fixed deposits, especially given the potential for higher returns in the stock market. Let's explore how you can begin investing in mutual funds (MF) and similar funds with a portion of your wealth.

Since you're new to the stock market and MFs, it's wise to start with a conservative approach. Consider investing a portion of your fixed deposits into balanced funds or equity-oriented hybrid funds. These funds offer a mix of equity and debt instruments, providing growth potential while mitigating risk.

Given your substantial corpus, you have the flexibility to invest in a diversified portfolio of mutual funds across different categories. Allocate funds based on your risk tolerance, financial goals, and investment horizon.

For long-term wealth creation, equity mutual funds, particularly large-cap and multi-cap funds, can be suitable. These funds invest in well-established companies with strong growth potential, offering the possibility of higher returns over time.

Consider investing systematically through Systematic Investment Plans (SIPs), which allow you to invest a fixed amount regularly. SIPs help in rupee-cost averaging and reduce the impact of market volatility on your investments.

Since you have no immediate financial commitments and your children are financially independent, you can afford to take a long-term view with your investments. Focus on staying invested for the long haul to benefit from the power of compounding.

However, it's crucial to consult with a Certified Financial Planner who can assess your financial situation, risk appetite, and investment objectives. They can help you devise a personalized investment strategy and guide you through the process of investing in mutual funds.

In conclusion, by diversifying a portion of your wealth into mutual funds, you can potentially achieve higher growth than fixed deposits over the long term. With careful planning and professional guidance, you can navigate the complexities of the stock market and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ravi

Ravi Mittal  |190 Answers  |Ask -

Dating, Relationships Expert - Answered on May 11, 2024

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Hello Sir/Ma'am, Myself Sachin. Basically I'm from Thrissur (Kerala) where I born. But in terms of education, I did my schooling & colleges from Pune (Maharashtra). My DOB is 30th October 1984. So right now I'm 39. Till now I'm single trying to get a life partner to have a good understanding since 7 years. However, no one I got yet. Even I tried dating through online dating app called quack quack where sometimes I get a positive responses. But later on, that relationship doesn't prolongs. In this situation, what shall I do to have a good life partner? Right now I reside in Coimbatore (Tamilnadu) with my parents in one of the senior citizen complex. In terms of education I did my BBA from Delhi University. Also have work experience into customer support voice process for about 9 years. Currently I run my business as a photostat in Coimbatore.
Ans: Hi Sachin,

I understand that dating can sometimes be very frustrating. You have every right to start wondering whether it will work or not. Since you have already tried dating apps and even had a positive experience, I would ask you to recognize that as a win first. Second, let me share some tips with you that might help you find the right kind of matches:

- Write a detailed and attractive Bio. What should it include? 40% about yourself- your education, your quirks and habits, likes and preferences, and everything that makes you you. 10% about what you can offer as a partner. 10% about the type of relationship you want. Do you want to date exclusively, or are you looking for casual? Are you looking to get married or long-term dating? Mention it clearly to attract the right matches. The remaining 40% should be about the kind of person you want to date. Your idea of a perfect partner. It would save you a lot of time and energy on the relationships that start strong but eventually fizzle out.

- The display picture can play an important role. Always pick a recent and clear image to never mislead anyone. Choose an image that shows you in your element, preferably smiling because that makes you seem warm and welcoming. Refrain from over-editing.

- Another important step is the first message. Write a detailed and personalized first message instead of a Hi.

Other than this, I would ask you to have patience. Regardless of the mode of dating, finding the right partner can take time in certain instances. Good things take time.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |190 Answers  |Ask -

Dating, Relationships Expert - Answered on May 11, 2024

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 06, 2024Hindi
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Hi i am 42 yrs i am govt servent going to retire at 58 currently my salary 60pm from last one years i started investing in mutual fund 10k in nippon small cap 5k in sbi large and small cap and this years started 5k in nippon flexi cap fund currently i hav 24lac in ppf account also need to make small home for that i need 40 lac suggest me some should i take home lone or use my savings for that
Ans: Considering your retirement in 16 years and your current investment in mutual funds and PPF, let's analyze your options for purchasing a home.

You're off to a good start with your mutual fund investments, providing potential growth over the long term. However, investing in equity funds for a short-term goal like buying a house carries risk due to market fluctuations.

Given your timeline and the need for 40 lac for a home, it's prudent to explore multiple avenues. Utilizing your savings in PPF is an option, but it might not cover the entire cost.

Taking a home loan could be a viable solution. It allows you to preserve your savings and spread the cost of the house over a longer period. However, consider the loan's interest rate, tenure, and your ability to repay post-retirement.

Alternatively, you could partially fund the home with your savings and take a smaller home loan, reducing the burden of EMIs post-retirement. This approach offers a balance between utilizing savings and leveraging loans.

Consult with a Certified Financial Planner to assess your risk tolerance, evaluate loan options, and devise a suitable strategy aligned with your financial goals and retirement plans.

In summary, weigh the pros and cons of using savings versus taking a home loan, considering factors like interest rates, repayment capacity, and post-retirement income. With careful planning, you can achieve your goal of owning a home while safeguarding your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

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

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