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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 14, 2024

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 - Mar 13, 2024Hindi
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Relationship

Hi Anu..I m living in New Delhi for last 4 years with my husband and 9 years old son.We both basically belong to Tier 2 city.We both r working hence my child is going to creche which he hates now.My husband and i were thinking of returning to our hometown so that expenses will be reduced and kid will find his cousins and relatives. But we are afraid that he might not get exposure which he could get in Delhi in educationand sports. So we are in delima..what will.be best for him?

Ans: Dear Anonymous,
It depends on which Tier 2 city you are planning to relocate to...
Yes, it's a fact that some Tier 2 city schools may lack the infrastructure to support extra curricular activities or what a larger school in a Tier 1 city can offer. Also, since your son has been in New Delhi for the past few years which are the most impressionable years, please expect adjustment problems in terms of social adjustment within school and friends...

Do prepare him adequately for the major change and who knows he might also like it as much as you and your husband do...But plan and prepare him for this change...Take his opinion into consideration before taking the decision to make that shift...maybe you can use the summer holidays for your son to have a feel of what a Tier 2 city is like and what it means to live there long-term. This should also help you and your husband to take that final call on this...

All the best!

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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Good morning Anu jiHope you are doing well. I am a working mother with two kids. My son is 18 years old and my daughter is 11.My office offered me to relocate to Malaysia and I opted for it.I moved with my daughter to Malaysia. My husband and son are in India. This is mutually accepted by family. The reason I chose this option was because the working environment in India office was very stressful with lots of corporate policies. My daughter has a creative mindset. She had to struggle in studies due to Indian education system. My son was in class 12 so I thought he will go to hostel for further studies. But after moving to Malaysia things got changed. My daughter goes to an international school but the standard of education is very low though fees is very high as compared to India. My son got admission in Delhi, which is good. Now, I'm confused if I should come back to India or stay in Malaysia with my daughter. My husband is very co-operative and his office is very supportive that he can work from Malaysia. Being a mother and a wife I am not able to manage this separation. But my husband wants me to grow in my career. I know in future I will have to pay a lot for my daughter's study. For the same amount she can go to a good boarding school. My son also needs my help but I want him to understand that life is not very easy, it is not for enjoyment. I didn’t want to spoil him so I decided that he will live in PG and become independent.I don't know if I am doing the right thing for my children. If I move back to India my husband will not be happy because according to him, I'm getting too emotional.I don't know what to do -- meet husband’s expectations or take the right step which is good for my family?Pls help.
Ans:

Dear NN,

Too much of confusion, mostly self-inflicted, if I may add.

You know why I say that, because there is not a mention in your letter/ email on: What is it that you want?

You have conveniently skirted it (the mind can trick you easily) and you are citing excuses to do what others want. What do you want?

Let’s out things into perspective:

1. You shifted for work and now you feel that your daughter’s education is getting impacted

2. You feel like coming back for her education, but you feel that your husband won’t be happy about it.

3. You know that your son might need you now, but then husband thinks you are emotional

It’s time the four of you as a family sat down and spoke rather than thinking and feeling.

Your children are practically adults and are capable of having a sane and conscious conversation that involves the family and their lives as well.

So there’s no more two way conversation between you parents causing more confusion.

Most families go round in circles without realising that who they are discussing about and making decisions on are not even involved in it actively.

In your case, it’s your children…involve them and let them express what they feel is right for them and what they want.

This can help clarify a lot in your mind and your husband also might be aligned to what comes through that 4-way conversation.

It will also bring all of you a while lot closer than before.

All the best!

(more)
Aruna

Aruna Agarwal  |57 Answers  |Ask -

Child and Parenting Counsellor - Answered on May 09, 2023

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Health
Dear Aruna, My child is 16.5 year old and is in 12th Standard. He wanted to pursue JEE and hence we got him admitted to a school who has integrated program where along with CBSE they impart JEE training as well. They also had a hostel facility. We had shifted him to this hostel during his 11th after lot of thinking as he used to waste lot of time gaming and hanging around with his friends...he had got 78% in his 11th and this was because he stayed in the hostel. Now he is saying that he will not go back to the hostel at all and prepare at home. But he does not seem to be serious at all...he has been gaming, hanging around with his friends etc.When asked about all this he says that he is well ware and will do the needful..Off late he started saying that he is not interested in doing JEE and make basket ball as his career...we as parents are very confused...I even have fights with my son because of this...Please advise what needs to be done. I would like that he rejoins hostel as this would make him disciplined and responsible...It is important that he completes his 12th standard with good marks and i feel that staying back home is not going to help at all. he is intelligent and teachers appreciate him a alot..he is also talented but is wasting lots of time...he says that he knows everything and no one need to tell him anything. Whenever he hears abt hostel he gets irritated. This hostel does not allow mobile phones or any electronic gadgets at all.
Ans: As the child is an adolescent and he knows well about the repercussions since he is as intelligent child. You can make the child write down the number of hours he used , let it be as a visual for him on paper. Make a excel sheet for him and ask him to write on this the number of hours being spent on the mobile or gadget each day for next 5 days.

You can also reduce your time incase you spend on gadget and start spending time in the form of games, going out for walks together ( an alternative for not being sent to the hostel)
See that when you are reducing any behaviour, give him a equally reinforcing activity to get the same behaviour down.
(more)
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Ramalingam

Ramalingam Kalirajan  |1221 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Mar 18, 2024Hindi
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Money
Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.
Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.
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Ramalingam Kalirajan  |1221 Answers  |Ask -

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Asked by Anonymous - Feb 27, 2024Hindi
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Money
Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then
Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.
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Ramalingam Kalirajan  |1221 Answers  |Ask -

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Asked by Anonymous - Feb 01, 2024Hindi
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Asked by Anonymous - Apr 26, 2024Hindi
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I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.
Ans: It's wonderful to see your proactive approach towards investing and securing your family's financial future. Investing in mutual funds through SIPs can be a great way to start building wealth gradually over time.

For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

For your daughter, she can also opt for SIPs in equity funds aligned with her risk tolerance and long-term financial objectives. Encouraging her to start investing early can help her harness the power of compounding and achieve her financial goals.

To start investing in mutual funds, you can approach a Certified Financial Planner or a mutual fund distributor who can guide you through the process, help you select suitable funds, and assist with the necessary paperwork.

Remember, investing is a journey, and it's essential to stay disciplined, patient, and well-informed along the way. With dedication and the right guidance, you can pave the way towards a financially secure future for your family.
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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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