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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2023

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
yashasvi Question by yashasvi on Apr 02, 2023Hindi
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Relationship

My bf says he doesn't want to talk to anyone but at the same time he is active on social media .. posting stuff ... Is it a sign that he has lost interest in me ?

Ans: Doesn’t want to talk to anyone? Social media is taking over a lot of young people’s lives. It may not be you that is the problem; it’s him and his interests. They lie online, and if that is getting in the way of your relationship, if I were you I would walk. No point chasing someone who’s busy fostering an image on the internet instead of a genuine relationship.

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Kanchan

Kanchan Rai  |595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2023

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In the starting me and my boyfriend couldn't stop talking to each other but because of some exams i wasn't able to talk to him often .. in the starting he asked me whether I need any help or how am i doing but now he barely communicates and he is not romantic as usual on texts and even replies me late .... I tried to communicate but his replies are getting shorter day by day ....
Ans: It's understandable that exams can take up a lot of your time and energy, but it's also important to make sure you're still maintaining a healthy level of communication with your partner.

It sounds like your boyfriend's behavior has changed recently, and you're feeling concerned about it. It's possible that he is preoccupied with something else, such as his own exams or other personal issues, which could explain why he's not communicating as much or as often as he used to.

However, it's important to have an open and honest conversation with him about how you're feeling. Express your concerns and ask him if everything is okay on his end. It's possible that he may not even realize that his behavior has changed and that it's affecting you.

When you talk to him, try to approach the conversation in a non-confrontational way. Use "I" statements to express your own feelings and avoid blaming or accusing him. For example, you might say something like, "I've noticed that we haven't been communicating as much as we used to, and I'm feeling a little disconnected from you. Is everything okay on your end?"

If he doesn't respond positively or seems unwilling to talk about the issue, it may be a sign that he's not as invested in the relationship as you are. In that case, it's important to take care of yourself and consider whether this relationship is meeting your needs and making you happy. it might be best to give him some space for a while. It's important to respect his boundaries and not push him to communicate if he's not ready or willing to do so.

..Read more

Kanchan

Kanchan Rai  |595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 20, 2023

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Exams and all are over ... My bf didn't texted me .. I asked him do you want to talk or not the he sounded non interested while talking and then i asked him what happened to you as he said he didn't wanted to talk to anyone he needs time ... So I gave him its been a month... I asked him again .. he was visiting places with his friends( girl) but didn't want to talk .. he said he didn't want talk just want to travel and need some time . I asked him how much time u need its been past one month . I said him to talk to me on call and clear it and then he said that If you cant spend days without talking to me , if u can't understand my situation and can't wait then u can leave ... What should I do ??
Ans: Dear Yashasvi

It's important to understand that everyone needs their space and time to themselves at times, and it seems like your boyfriend has communicated to you that he needs some time alone. However, it's also important for him to communicate his needs clearly and respectfully to you.

It's understandable that you may be feeling hurt and confused by his behavior and lack of communication. It's important for you to take care of your own emotions and needs as well.

If you feel like you're not getting the communication and support you need from your boyfriend, it may be helpful to have an honest conversation with him about your concerns and feelings. However, it's important to approach the conversation in a calm and respectful manner, and to listen to his perspective as well.

It's also important to recognize that if your boyfriend is unwilling to communicate or work on the relationship, it may be a sign that he is not ready or willing to continue the relationship. In this case, it may be best to take some time to focus on yourself and your own needs.

In general, it's not easy for anyone, regardless of gender, to talk about a potential breakup. It's important to approach the situation with empathy and understanding, while also being honest about your own feelings and needs.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8506 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2025

Money
Hello Sir, I am 52 years old working professional. I have 1 crore in cash, please provide suitable option to grow this cash, Should I invest in Fixed Deposit or buy a property. I don't have experience in SIP or mutual funds. Please advise. Thanks
Ans: At 52 years of age, with Rs. 1 crore in hand and no prior experience in mutual funds or SIPs, you are at a crucial point in your financial life. Your next decision can make your retirement more peaceful and financially stable. Let us build a well-thought-out plan for you.

Understanding Your Financial Context
You are currently working and earning.

You have Rs. 1 crore in cash, which is a great start.

You are new to mutual funds and SIP investments.

You are considering Fixed Deposit or property.

It is important to balance growth, safety, and liquidity.

At your age, you also need to think about retirement planning.

Evaluating Fixed Deposits as an Option
Fixed Deposits are easy to understand and widely used.

They offer capital safety and fixed interest.

But FD returns are low after adjusting for inflation.

Most banks give 6% to 7.5% interest for senior citizens.

Real return after tax and inflation is almost zero.

Interest from FDs is fully taxable as per your slab.

So FDs are good only for emergency funds, not wealth growth.

Why Buying Property Is Not Advisable
Property needs large capital and has poor liquidity.

You cannot sell it quickly in an emergency.

Rental yield in most cities is just 2% to 3% annually.

Property has maintenance, repair, legal, and registration costs.

If sold later, capital gains tax will apply.

There is also risk of tenant disputes or delayed construction.

Property values do not rise consistently everywhere.

At 52, locking your funds in property is not suitable.

Do not buy property unless you need it for staying purpose.

Importance of Financial Goal Clarity
First, define your goals clearly before investing.

Think about when you want to retire.

Estimate how much monthly income you will need.

Also think about major expenses like children, health, travel, etc.

Decide what portion of Rs. 1 crore you may need in 3–5 years.

Keep that portion in safe and liquid options.

Rest can be invested for growth in mutual funds.

Step-by-Step Investment Strategy for Rs. 1 Crore
Let us now break your Rs. 1 crore into action steps. This plan is made for long-term wealth creation, moderate risk, and retirement income support.

Step 1: Emergency Fund Setup
Keep Rs. 5 to 6 lakh as emergency reserve.

Use a mix of bank savings account and liquid mutual fund.

This money is only for health or life emergencies.

Do not invest this amount in high-risk options.

Step 2: Short-Term Needs Parking
Set aside Rs. 10 to 15 lakh for short-term goals.

These goals could be travel, family wedding, or early retirement fund.

Invest this amount in ultra-short duration or short-term mutual funds.

These give better returns than FDs with moderate liquidity.

Use regular mutual funds through Certified Financial Planner.

Direct plans lack service, guidance, and correction support.

Step 3: Retirement Corpus Growth
Invest the remaining Rs. 80 lakh for long-term wealth.

Use a staggered approach. Start with Rs. 20 lakh as lump sum.

Keep Rs. 60 lakh in a sweep-in FD or liquid fund.

Transfer Rs. 1 lakh to Rs. 2 lakh monthly into mutual funds (STP).

Use this route over 30 to 36 months for smoother entry.

Mutual Fund Strategy for Long-Term Growth
Use diversified equity mutual funds for long-term wealth creation.

Mix of large cap, flexi cap, and balanced advantage funds works well.

These funds can deliver better returns than inflation over 5–10 years.

Do not use index funds.

Index funds cannot adjust in falling markets.

Active funds are better in Indian markets with active fund manager decisions.

Actively managed funds with good track record are preferable.

Avoid fund suggestions from agents without proper CFP credentials.

Choose regular mutual funds through a Certified Financial Planner.

Benefits of Mutual Funds Over FDs and Property
Higher long-term returns.

Professional fund management.

Better liquidity than real estate.

Lower cost than buying and selling property.

Goal-based planning flexibility.

Tax efficiency when planned properly.

SIPs for Regular Monthly Contribution
You are working now. You can also start SIP monthly.

Even Rs. 10,000 to Rs. 20,000 monthly helps you stay disciplined.

SIPs remove emotion from investing.

They give rupee cost averaging during market ups and downs.

SIPs are suitable even for someone new to mutual funds.

How to Plan Withdrawals Later
You will retire in next 8 to 10 years.

Use Systematic Withdrawal Plan (SWP) after that.

This gives monthly income without breaking your investment.

Withdraw fixed amount monthly. Balance stays invested.

You can also adjust the amount as needed.

Tax Impact While Withdrawing
Equity mutual fund gains above Rs. 1.25 lakh yearly are taxed at 12.5%.

Short-term gains are taxed at 20%.

For debt mutual funds, all gains taxed as per slab.

Plan redemptions carefully to reduce tax outgo.

Do Not Choose ULIP or Endowment Plans
These mix insurance and investment with poor returns.

Long lock-in and high charges make them unattractive.

You need only pure term insurance.

For investment, mutual funds are better.

Importance of Regular Review
Review portfolio every 6 to 12 months.

If fund is underperforming for 3 years, consider change.

Rebalance between equity and debt based on age.

A Certified Financial Planner can guide this properly.

Learn and Build Comfort Slowly
Since you are new to mutual funds, start step-by-step.

Read simple articles and videos on mutual funds.

Understand risk and return expectations before investing.

Take small steps with expert guidance.

Final Insights
You have Rs. 1 crore. That is a very strong base. But where you invest this will decide how peacefully you live after 60. Avoid fixed deposits for long term. Avoid real estate. Avoid insurance-linked products. Mutual funds are the best option for you now. Take help from a Certified Financial Planner and get started. Keep money for short term needs separately. Use the rest wisely with STP and SIP. Review yearly. Stay invested for long term.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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