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Anu Krishna |1293 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 29, 2021

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

Question by VG on Oct 29, 2021Hindi

Relationship

Dear Anu, I have a ten year old daughter studying in 5th std in a reputed school of Delhi.

I think the Covid lockdown has had a negative impact on her behaviour.

She has become notoriously obstinate and her behaviour has become a real concern for us.

She has become a compulsive liar and lies mostly for no reason at all. Also she quarrels and fights with other children in the colony.

Please help us to get her back to what she was before lockdown.

Ans: Dear VG, the online structure has messed up the minds of many children and adolescents.

I don’t have much information from you and have to assume that nothing significant has happened after which her behaviour has changed.

Lying and hiding is common when children are scared of doing something that they have been warned against and it could be something that excites her and gives her immense pleasure.

Quarrels and fights is common assuming that your daughter must be around 10 or 11 which is when their struggles for creating their identity causes much ruffles in their minds.

It could also be because of increased usage of the internet as there is enough there to mess with the minds of kids; violence, bullying…the list is endless…

Also, I have been noticing that with the lockdown, kids have forgotten what socialising means and it has become convenient to live at home with free WiFi and food. Convenient pleasure…

Try and be out of home with her every day, good amount of physical activity is a great one too, dancing and pottery are good things for her to indulge in.

It will be a struggle initially; but persist and if necessary one of the parents can become her hobby buddy to help her transition into the ‘normal’ way of life.

Whatever you do, be really patient.

Happy transitioning!

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My 12+ old son has gradually become disobedient and does not listens to us. he dont want to study and most of the time wants to play games on mobile or tab. during this covid this habit of playing games has become very strong. he does not want to go to school and tells to his elder brother that his classmates bully him as he is fat. this obesity also he got during covid days , earlier he was very agile. i try to listen to him , talk to him and try to make him understand the importance of study but no heed , in school also his work is pending. we are really worried and upset for his behaviour if your are available offline and help us in this matter. kindly tell your fee as well Sona Punj

Ans: This child needs help to set his routine and incase he is being bullied kindly look into it.Talk to his friends and school mates , teachers to find out what is happening exactly at school.

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Hello Madam, My daughter is 12 yr old and is in class 7th. She is not at all interested in studies. She is also not interested in making new friends. She is always busy on playing games on mobile. Studies just one week prior to exams. Her behavior is also becoming rude day by day. Kindly suggest.

Ans: Hello!!
The addiction to mobile after COVID is a menace every parent is facing. The good part is she is aware about her exams and studies at least one week before her exams.

The rude behaviour, lack of focus on studies is all stemming from the mobile games. They are highly addictive and the thrill they give is beyond imagination. Slowly but surely you have to take away the mobile from her, that's the only way to help her look for other sources to keep her busy .Friends, new skills and studies will get her attention only when the mobile is away.

Allocate time for food, sleep, studies, play time and also mobile time( can't just take away the mobile, has to be weaned away from it gradually), in a day. Set a timer for the mobile usage, she has to return the mobile as soon as the timer bell rings.

Pls remember you are the adult here, she is just a child. Guide her, lead her towards better and interesting things to do. You all as a family have to stop sitting with the mobile, start reading books ,play board games , learn a new skill, sing songs, cook together, bake together, you make everything at home an interesting activity, joyful activity, why will a child sit on the mobile?
It is a going to be lot of hard work for you and if the end result of this is seeing your daughter away from the mobile, laughing and talking to her friends, playing around, studying well.....then this is worth all the effort.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

Question by Urmi - Nov 08, 2024Hindi

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Hello I am 37 years old . Following is my financial status 1. FD - 1.5 CRORES 2. MF - 25 LAKHS 3. PROVIDENT FUND - 27 LAKH 4. PPF 3 LAKH INVESTMENTS 1. MUTUAL FUNDS - 90 K per month 2. PPF - 1.5 lakh per year 3.PF - 5 lakhs per year 4.NPS - 10 K per month I have one flat. I want to retire at 47 years of age . I will have a pension of 3.5 lakhs after I retire . My present monthly expenses are 1.3 lakhs . My goals are 1. One child education 2. World travel 3.Own house . Can I retire at the age of 47 fulfilling my commitment.

Ans: Hello;

Let us try to put monetary value to your goals:

1. Child education: 1 Cr
2. World Travel: 40 L (for 2)
3. House: 1.5 to 2 Cr
Grand Total: 3.4 Cr

Current holdings:
1. FD- 1.5 Cr
2. MF-25 L
3. PF-27 L
4. PPF-3L

Ongoing monthly Investments:
1. MF-90 K
2. PPF- 12.5 K
3. NPS-10 K
4. PF-41.66 K

Value of current corpus and ongoing investments 10 years hence:
1. MF-2.51 Cr
2. PPF-27.49 L
3. PF-1.25 Cr
Grand Total: 3.76 Cr

Since your investment value is comfortably above your goal value means you can fulfill your goals as envisaged.

You have a assured pension after retirement despite that you are making disciplined investments into NPS is a commendable aspect.

It can help to boost your retirement income after 60.

Happy Investing;

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Asked by Anonymous - Nov 12, 2024Hindi

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I am 46 years old, have a income of 2.8 lacs with variable pay every month after tax deduction. My total CTC is approx 66 lakhs/annum with stock. I have 2 flats worth 1.8 crores, one land worth 9 lakhs, one ancestral land worth 45 lakhs, have company stocks worth 20 to 30 lakhs. PPF current is 32 lakhs for 21 years of experience. My liabilities are home loan worth 80 lakhs. My monthly expenses including EMI is 1.8 Lakhs. My kid education cost 2-3 lakh per annum in Bangalore and she is 12 years in grade 7. Can you help me, how much I need to save every month, so I can have 6-7 crores in liquid money in 10 years and how much should I have for retirement plan by 65+

Ans: Hello;

You may start a monthly sip of 80 K and top it up every year by 20% to reach a corpus of 4 Cr after 10 years considering modest return of 12%.

The land parcels(45+9= 54 L) and company stock(20 L) if sold and the proceeds reinvested in mutual funds for 10 years may yield you a corpus of around 2.3 Cr after 10 years.

So you may accumulate a cumulative corpus of 4+2.3=6.3 Cr after 10 years, as planned.

If you invest 20 K in NPS per month you may reach a corpus of 1 Cr+ in 19 years from now.

You may need a corpus of 8 Cr to generate a retirement income of 2.8 L per month (post-tax) to cover your inflation indexed regular expenses sans the EMI.

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X: @mars_invest

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Asked by Anonymous - Nov 15, 2024Hindi

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I am 39 year old single male, is it normal for not being married till this age?

Ans: Yes, it is absolutely normal not to be married at 39. Marriage timelines vary greatly depending on personal choices, cultural norms, and life circumstances. Societal expectations around marriage have evolved, and many people now prioritize other aspects of life, such as career development, personal growth, or meaningful relationships, over adhering to traditional timelines.

Being single at 39 could also mean that you're waiting for the right partner and connection, which is a thoughtful and mature approach. It's better to be in a fulfilling and authentic relationship than to rush into marriage due to societal pressure.

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I invested 30 lakhs rupees in SBI market unit link policy,ita a policy of 5 years n 5 years waiting period so total 10 years, every year I paid 6 lakhs rupees for 5years n it's almost 6 years now,so how much money will I get it now

Ans: Hello;

Could be approx between 35-38 L.

Best wishes;

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Question by Saravanan - Nov 12, 2024Hindi

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I am seeking guidance on my current financial situation. I am 50 years old, with a net take-home income of 1.42 lacs per month, while my wife earns approximately 75k monthly. We have two daughters pursuing higher education, with annual fees totalling 6.10 lacs. In the wake of the COVID-19 pandemic, I faced a significant setback when I was unable to pay my home loan EMI, leading me to opt for a moratorium. Despite having already paid approximately 43.85 lakhs towards my home loan of 58.50 lakhs taken in 2017, the principal outstanding has astonishingly increased to 59.45 lakhs. I now find myself committed to an EMI of 65,000 monthly, further straining our financial resources. To cover both my daughters first-year college fees, I took out a gold loan of 5.5 lakhs, for which I currently pay 50,000 a month. I had invested in a family health insurance policy with Star Health, covering 10 lakhs, but due to poor service I stopped paying my premium, which had an accrued value of 17.50 lakhs. I hold a provident fund account with a balance of 2.5 lakhs. I am concerned about planning for my elder daughter's wedding in the next 2 to 3 years and my retirement. I would appreciate any advice or strategies you could provide to help me navigate this situation effectively.

Ans: Hello;

Try and understand from the home loan lender as to how 59.45 L principal is overdue despite paying a sum of 43.85 L, despite factoring 80% of this as interest payment, the overdue principal should be below 50 L.

Double check if this is as per the terms of moratorium.

If you are not satisfied with replies from the lender escalate the matter to the highest authority at lender or RBI.

Lender can't behave irrationally just because you availed moratorium during COVID.

In my view you should have just sold the gold rather then taking loan against it.

That way you could have lessened EMI burden on your finances and ensured investments for retirement and other goals.

Unfortunately we have a tradition of attaching emotional value to precious metals and real estate.

The best "jewellery" you can offer to your kids is good education, which you have already done.

In matters of health insurance never discontinue a policy due to dissatisfaction with the insurer, port it to another insurer, 1.5/2 months before the renewal date so that your benefits remain intact. Now you may be need to find another health care insurance.

You may begin a monthly sip of 25-30 K in diversified large cap oriented mutual fund for 5 years.

Also give a thought to NPS, you can contribute till 70 age, for retirement pension.

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Asked by Anonymous - Nov 15, 2024Hindi

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I am 42 years old male currently working as a software engineer in a private company and drawing 1.1 lakhs per month. I have 2 school going kids. My monthly expenses are around 80K per month including rent. I don't have any personal property in my name. I have invested 50L in postal term deposit(yearly payout), 20L in Shriram transport finance FD(monthly payout), 11 lakh in HDFC balanced fund dividend(monthly payout), 6L in bank FD(monthly payout) all in my wife's name. I have invested 28L in my HUF account against Shriram Transport Finance FD (monthly payout). I have around 20L in EPF and Gratuity. I have around 8 lakhs in miscellaneous Mutual funds with a monthly sip of around 36K. Most of my investments pay me monthly return except this SIP. I have done so as software job is very fragile which can go any time. However I have maxed out on the return I can take per year on my wife's head (7L) and HUF(2.5L) without tax liability. Please advise how I can invest further to get returns so that I can quickly withstand any job loss.

Ans: Hello;

You have already made sufficient provisions to survive a job loss because your passive monthly income is now almost covering your monthly expenses.

But if you need added back-up you may keep expenses worth 6 months(@ 5 L) in a liquid type mutual fund.

Focus on 3 goals;
1. Children's education
2. Retirement
3. House

If you again keep investing in fixed income bearing instruments then you may not be able to grow a corpus to fund these goals.

A mutual fund sip(36 K) is a step in the right direction. I believe these are scheme with Growth option.

Hope you have EPF/NPS/PPF investments as well.

Happy Investing;

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Hello madam I m 45 years old male from last 2 year.I m type 2 diabetic patient.I m on intermittent fasting 18hrs..I take lunch at 13.00 and dinner at 18.30..I m on salad in lunch with protien 100gm no carbs and in dinner i take salad protien 100gm and 100gm cooked rice...My weight and height 78kg and 178 cm..I take 12000 steps every day.My H1abc is 49.I live in europe..Just looking youtube video I make discipline in my life..Is anything more i can do better? Thank you

Ans: I am glad that you've established a disciplined routine that's impressive and beneficial for managing type 2 diabetes. Keep track of your blood sugar levels before and after meals to understand how different foods affect you. Hydrate well and add healthy fats such as avocados, nuts, seeds, and olive oil which can provide satiety and essential nutrients without spiking your blood sugar. Incorporate fruits, vegetables, beans , etc. in your diet to ensure a good intake of fiber. While your daily 12,000 steps are excellent, incorporating other forms of exercise such as strength training or cycling, etc., will be beneficial.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Krishna - Nov 11, 2024Hindi

Money

sir, I wish to start SIP of Rs 5000 each in one small cap , one midcap , one flexi cap and one multi cap funds.Please suggest me the funds where I can invest. I am planning to invest fir a period of ten years.

Ans: Hello;

You may consider following funds:

SBI Small cap fund
Kotak Emerging equities fund
PPFAS flexicap fund
Nippon India Multicap Fund

These funds are recommended based on relatively steady returns over 10 year horizon.

Happy Investing;

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Asked by Anonymous - Nov 10, 2024Hindi

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Hi Nitin, I am 40, no saving, no investments. Was out of job in '22 restarted contractual work in '24. During this period of 2 years. I borrowed money from people (friends/ family) & credit card. Missed multiple EMI's. Cibil score has gone for a toss. Out of monthly income of 40,000 i have monthly due of 30,000 to clear each month. Please guide how i can turn around the situation.

Ans: Hello;

Only way you can turnaround the situation is by diligently repaying overdue loans.

Once loans are over start a monthly sip of 20 K. This can grow into a corpus of around 50 L in 10 years and around 1 Cr in 15 years. (12% return from equity funds assumed).

Best wishes;

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Question by Kaushik - Nov 11, 2024Hindi

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Hello, I am 49 years old and seeking an early retirement. My total corpus at the current state is approx 8 Cr as per the following breakup. 1. Equity - 4.4 CR 2. FD - 1.05 CR 3. Gold - 1 CR 4. 2 nos Property - current valuation - 1.6 CR My curent monthly expenses is approx 1.5 lacs. I have done an medical insurance and I have zero debt. Is this situation is favourable for me to retire in next 1 year with considering life expentensy around 85 years. I am still unvesting 1 lac per month is equities. Thanks

Ans: Hello;

Kudos for a judicious blend of asset allocation.

I have assumed one property occupied by you (80 L) while the other property is let out(80 L) and considering 3% rental yield may provide you a monthly income of 20 K.

You may buy immediate annuity for a sum of 1.45 Cr which may provide you a monthly income of around 65 K (post-tax). (6% annuity rate considered)

For the balance 5 Cr corpus you may do an SWP in a low to moderate risk equity savings fund like ICICI Pru equity savings fund. A 3% SWP will get you a monthly income of 1.12 L (post-tax).

So your total post-tax monthly income in retirement would be 1.12+0.2+0.65= 1.97 L.

A modest return of 8% on SWP fund will be good enough to provide inflation adjusted income every year till the age of 85.

Avoid direct equity and pure equity mutual fund exposure in retirement. Invest through hybrid mutual funds, with low allocation to equity.

Happy Investing;

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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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