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Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 11, 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 - Oct 11, 2023Hindi
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Relationship

Dear Anu, how to correctly identify a problem that is bothering you? I am stressed due to multiple things happening in my personal and professional life. Should I also visit a mental health expert?

Ans: Dear Anonymous,
If there is something that bothers, it will obviously show up as an unsettled feeling that comes and goes but very frequently. That is an indication that you must take care of it else it will eat away into your peace of mind.
It may also be useful to visit a mental health expert if you are unable to identify what is bothering you and how you can handle it.

All the best!
Asked on - Oct 11, 2023 | Answered on Oct 11, 2023
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Thank you Anu for your prompt reply.
Ans: I hope the suggestions were helpful for you...

All the best!
Asked on - Oct 11, 2023 | Answered on Oct 11, 2023
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Anu, can you please share some exercises I can do in order to deal with work related stress?
Ans: Sure,
You can start to maintain a Journal wherein you can enter what bothers you predominantly on a daily basis...over a period of time, this can be a good indicator of what is making you feel uncertain and unsettled...
This might urge you to take action once you become aware...if this leads you to a place where you feel the need to consult with a mental health expert, kindly do so...

All the best!

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Anu

Anu Krishna  |1549 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 18, 2021

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Relationship
Hello Anu, I am 41 and working with a MNC in Mumbai. Since last few months, I am facing some mental health issues like mild depression especially during early morning hours. On professional front, i am doing good but yes, it's hectic because of continuous meetings etc. Not able to figure out actually why I am feeling depressed. Can you please comment/advice?
Ans: Mild depression? Have you been clinically diagnosed or is it self-diagnosis?

Virtual working and/or remote working can bring with it a number of challenges; one being fatigue.

This can cause poor quality of sleep that can result in a low state of mind. This is perhaps what might be happening.

Also, being at home long hours and also due to the uncertainties that we are all facing can pull down the general mood of anyone.

This isn’t depression (unless and until clinically evaluated), but simply a contextual response from the body.

Create rituals to beat this. Since this happens during the early morning hours, make sure that you switch off all electronic gadgets at least a couple of hours before you sleep.

Eat at least 3 hours before you sleep and eat a lighter meal.

Exercise every day for at least 40 minutes and laugh a lot.

Connect with people who empower you. And most importantly, do express gratitude every day.

Feel thankful for what you have and what you are. Also, do what you love; maybe a hobby for a little time every day.

These empowering rituals can get your mood back on track and you will wake up feeling thankful for the day up ahead and also ensure that you can impact your circle of influence at home and at office as well.

Choose your state of mind, let it not choose you. All the best!

..Read more

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Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

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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