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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 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
VG Question by VG on Apr 13, 2022Hindi
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Relationship

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!

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Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 05, 2022

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Relationship
Dear Anu, I started a relationship with this guy, who I met on a dating app like a year back. I started to like him and everything was going fine. We started talking and soon our conversations steered towards talking about our future. However, he suddenly told me out of nowhere that he is a divorcee. His marriage was called off at the altar due to dowry issues. He and his family are embroiled in a dowry case which is going on. I was shocked and wanted to know the entire truth but he never came clear about what exactly happened. He told me that he cannot think of marriage and the future and wants to keep it casual. I was heartbroken and we fought a lot after which he suddenly stopped talking. After sometime he started talking again and said that he wants me back. He always makes plans to meet in hotels and spend nights with him. I started to grow distant, stopped taking his calls and tried to push him out. I also started to look out for matches, based on my age. I am 32, but nothing is materialising there. I started missing him and recently messaged him again. I lied to him that I am getting hitched and he said ‘okay let’s meet and spend a night together.’ I really don't know. I am amused that all he is really interested in is getting into my pants all the time. I am genuinely in love with him and he says it again now also he loves me. But his thoughts and words are not in sync. I am just not able to get over him. I have been trying hard since I decided to move on. Some thing or the other brings me back to him again and again. I am becoming more lonely, depressed all the more coz the marriage thing is also not picking up and I have no one.Please help.
Ans:

Dear BG,
What does it tell you about a person when he chooses to hide the fact that he is a divorcee and that too with a reason like dowry?

Doesn’t this ring any bell for you as a sign to the fact that he possibly can never be trusted when he can’t come clean with his life story?

And now the complication of being physically involved has added a dimension that makes you want to be around him even more?

The very fact that you have written to me is because you are revaluating your thoughts about him and GOOD, you must and ask yourself:

Is he really worth my love, time and energy?

Has he done anything to earn my trust?

If it’s a big NO, you know that this guy isn’t the last man on the planet and that just because you are unable to find a suitable life partner, you need to settle for this man.

No, you don’t need to settle and pine for someone who has not bothered to take your feelings into considerations and not much of thought as to: if she finds out about my past, how will she react?

So let me be the one to tell her rather than she hear it from someone else.

Instead, he chooses to defend his decision of hiding this and to top it all stops talking to you.

Why exactly is he playing the victim when he isn’t? Because, he feels that it isn’t his problem and that it is yours and that you need to be making all the adjustments IF you want a future with him.

Did all this give you a good perspective?

Do the right thing and Love yourself. All the best.

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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 Hi Anu Ji,I am in a relationship with a guy from one year who is from a different state and different background. I am from north and he is from South. As of now the relationship is perfect when we both are together but I am stressed about my future as this guy had warned me that future is very difficult due to family issues and all. Our relationship also started on a very different note. We were close friends for a few years and then got close over a few incidents. I have gone out all the way to put my efforts in the relation because it looked picture perfect what I was creating. He has given me no promises of the future telling things are very different in our state. Earlier he used to ask me to be casual, but both of us know that my nature is not casual, he has apologised also feeling that he is wasting my time.He also asked if I want to look for a proper marriage partner.. all his words show this and makes me scared that in future we will be separated.On the contrary his actions are so sweet and romantic. Multiple times I thought I should think straight and leave but I guess I am too attached and so is he.My parents keep on pushing for rishtas as I am in prime age to be married, and I am only delaying this because of this guy, what should I do? Why are his actions and words not in sync. I have also informed my parents about him. If he is not willing to take it forward he should leave me and go na. Why should I initiate any breakup when I like my life with him.Help me with ways to talk sense into this guy so that he has courage to take us up at his home and family.Any guidance will be helpful. Please keep it anonymous.
Ans:

Dear SS,

When his words and actions are not in sync, what exactly are you pushing for?

Are you hoping for him to see things your way? He seems to have made it clear that he wants this to be casual.

It could be one of two things:
1. He isn’t ready for a commitment as of now
2. He isn’t ready to stir the hornet’s nest back at home and face the music

Either case, this is holding you up and your movement in life. Why do that?

Ask yourself:

  • How long do I want to wait for a strong commitment from him? After which, you most certainly must move ahead
  • Will he ever be able to convince his parents of this relationship? Now, if it’s a NO, you know what to do
  • How fair is it to keep my life on hold for him? – If it’s a NO, check what is this hold up costing you this very moment

Please have an honest discussion with him on how this is affecting you and what you exactly want.

Take a call based on his responses and his involvement in the discussion that concerns the future of your relationship.

Best wishes and take charge NOW.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 30, 2022

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I am a 25-year-old woman who is still not settled in life. I loved my relative who is 10 years older than me. He also not settled in life. He doesn't have property, no good family (his brothers are not good). When he asks about marriage I used to delay because of my career. At one point of time, he lost interest because of this delay. He is a good person but when we are spending time I am not much comfortable and excited as I was in the initial days of love – be it chats or calls. Recently I chatted with a stranger in Facebook and felt happier chatting with him than with my boyfriend. Somewhere I feel like I want to cut this relationship but I can't imagine him with our girls. If I marry him I won't get good family (relatives). He is not looking as good as he did before. Will I suffer any sexual issues with him in the future? He is still waiting for me.
Ans:

Dear Unknown,

It seems like you have moved away in mind and heart.

It does happen in few relationships as there might have not been a strong emotion attached when the relationship began, or the emotion ceases to exist as you have moved on and changed.

Good or bad? Neither…it happens.

Be rightful and do not lead him on.

It is not his fault that you feel the way that you do. But you do owe it to him to tell him how you feel now, so that he is not living in a love bubble.

So, break it to him gently and wait for his response. It maybe anger, sadness, disappointment.

Be with him through the process. He may not want to speak with you for a while till he gets a chance to process it fully; accept that. He may blame you; accept that as well.

It is not your fault, but he will not have any other safe space to vent out his feelings. And once this stage has passed, discuss it very maturely together as to what the next steps can be.

Till then, it will be only you dealing with this in the relationship when it has to be the business of both.

And as far as sexual issues go, I don’t find any relevance of it as age gap never hurt anyone’s sex life.

And what do his relatives have to do in your relationship? It’s the two of you (if you choose to be together mutually) and anyone else is just an unnecessary add-on piling on to make more mischief. Draw boundaries and live happy.

Now, time to come out clean and then maturely process and decide the future course of action.

My best wishes to you!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

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Hi Anu, I hope you're doing well. I'm a 24 year old girl working as a software engineer. I was in love with a boy in long distance relationship and I met him only once. We both had great understanding, respect on each other. It was all good between us. On February 2023, he called me one day saying that he wants to tell his parents about our love matter. I said okay and asked him what he wanted to do if his family disagrees. He said that he'll wait until his family approves. I was okay with it and he informed to his family. But things started changing after he talked with his family. He wanted to break up with me. I told him many times that I wanted to be with him and don't want to break up. But, he didn't agree. Eventually, we stopped talking with each other. It was hard for me to move on but after few months, i finally decided to move on with my life. Then suddenly he messaged me saying that he wants to get back with me. I didn't agreed as I lost my trust on him. He even informed his family about getting back with me and they were okay with it. He wants to marry me. But, now the problem is I still like him, but I lost trust in him. I wanted to give him a chance but I'm afraid because of past break up with him. I'm confused about what should I do? Anu, can you please suggest me about giving him a chance or moving on with my life?
Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2023

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!
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Maxim

Maxim Emmanuel  |186 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 28, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello my name is yash I have completed by studies in bsc it I have done jobs of cashier and application support analyst during my studies. No my studies are over I find myself to fit in job as per requirement but I am not satisfied sometimes I feel I am not meant for this I have issues from office like work extra over over time. I want to ask is there everywhere over time of employees to be spend 10-12 hours in office. Secondly I feel that should work in environment where I can move and do work means field work in which I feel I am not bounded in short I want work life balance. I love to read books, I love to do on ground activities in back of my mind I have civil services plan in which I have a permission to work freely. But condition is that how can I do if office demands max hours of my life it's bit confusing for me
Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!
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Ashwini

Ashwini Dasgupta  |65 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Apr 28, 2024

Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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Money
I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Money
Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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