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Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 16, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jul 03, 2025Hindi
Relationship

We both joined in our job together. He was so caring. I developed feeling fr him. But now he is going to join new job. I told him i will miss him a lot. But he was so casual and says whenever u want to talk, you can call me. But i feel very bad when i think he will leave soon. Help me to handle this situation.

Ans: When he responded casually, saying you can call him anytime, it may have felt like he was emotionally distant or didn’t feel the same intensity. That can be hurtful, especially when you were hoping for some deeper acknowledgment of your bond. But people express emotions differently. His casualness doesn’t necessarily mean he didn’t value your presence — it might just be his way of avoiding emotional vulnerability or not knowing how to respond to closeness.

Now, the focus shifts to you — your healing, your emotions, and your ability to hold on to what was meaningful while also protecting your own peace. Start by accepting that it's okay to feel sad, even tearful. Allow yourself to miss him, but don’t let that feeling convince you that you’re incomplete without him around. You’re not losing everything — you’re transitioning from closeness to distance, which may or may not evolve into a deeper connection, depending on both of you.

Use this phase as a mirror — reflect on what you truly want: was this just emotional comfort in a shared space, or did you genuinely want a future with him? If it’s the latter, and he didn’t show similar feelings, it’s okay to grieve that quietly while slowly detaching.

Let this moment teach you not about loss, but about how deeply you can feel, and how resilient you are in giving space to someone while still holding space for yourself. Nurture your friendships, invest in small routines that uplift you, and remind yourself that care and affection will come again — sometimes from unexpected people and places.

If you feel you need closure or more clarity from him, it’s okay to have one final honest conversation. Just remember, your peace matters more than anyone’s presence.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1807 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

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Relationship
Dear Guru, I'm working as an executive assistant to the director with an Indian subsidiary. Due to pandemic there's this work from home happening right from the start of lockdown. At present and till date have to manage my work along with two other colleagues work too. Moreover in addition my boss is leaving too. All this is so critical that it's stressing me mentally and physically. I'm not able to bear that loss of him leaving in such a scenario. Though him being married I somewhere liked him from the bottom of my heart. Initially he tried impressing me through his kind words and behaviour. But in the last one year he suddenly changed bcoz there were certain things happening between him and the management which I was completely unaware of only to learn recently that his job contract wasn't renewed by the management and hence he along with his wife opted for an alternative. He showed his anger by ignoring/avoiding me. Somewhere I feel that even he didn't wish to leave the company. I don't wish to break his marriage but I love him (one sided) still dunno if he does or not. Of late we had tiffs over the phone on work issues and I deleted his number from my contact list saying Goodbye. He fumed and sent me e-mails in the morning about things to handover as he is leaving :) Earlier when I had a tiff over msgs that time he called my colleague and asked him to take the handover. Hope I get some response on the stated issues.
Ans: Dear SK, Why do some of us get caught in a web where we don’t know where we stand in someone else’s life?

I am not going to judge you or lecture you as to your one sided-affection as that is a choice that you have made. But, why give someone so much power to rule your mind that they seem to take the driver’s seat and take decisions for you? Your job, you love…your emotions.

Do remember, that you cannot be an option is someone’s life which is what has happened here.

The hit to your self-esteem has been for you to act in disappointment/anger where you have dropped his number off your list with a curt ‘bye greeting’ which has irked him and his ego.

What were you doing? Throwing the spotlight back onto yourself where you have given him a chance to antagonize you at work?

Can you even complain about it in public? And especially when you knew his loyalties lie with his wife which he made it evidently clear by them taking decisions jointly for their future.

All that has happened, is you being at the receiving end, by laying out your emotions for a little attention from him.

And well, he possibly was enjoying some of it as well. If you were to rewind the clock, go back in time, and ask yourself: What can I do? What must I do where I can keep my emotions healthy and protect my emotional boundaries? Do exactly that now.

Nothing is lost. I can’t promise that he will be back to giving you the attention that you have been used to; all I can say is find some healthy options and grow your social circle.

You may meet someone interesting or you may simply find someone who shares common interests irrespective of gender.

Bottomline; get unstuck from this unhealthy string, cut and maintain that healthy boundary, stick to your work and create a circle of friends and family that care for you. That will be your strength and helo in making better decisions the next time.

Be happy and make the best of life!

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

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

Asked by Anonymous - Dec 27, 2023Hindi
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Relationship
Hi I am working in an compnay since 4 yrs i had and friendship with my senior and he ia married but staying alone. His family was at native place. We both r maaried and we know about we had family but now we are in relationships since 3 years. As his family was not here i helped him in every manner in covid situtation. We know pur priority is family first. But since his family is here from one year last. He has stopped chatting talking to me. Only we are mostly having one side fight. He is now feeling irritation in talking to me normally also. During my job i m doing better than also everytime he feels irritated. I dont know what to do. Now he is saying he dont have time. He dont want to leave me. But stopped everything's. Only when he needs help he speaks to me or replies to message. I dont want to leave my job nor complaint to someone. What shoul i do dont understand. I have ensured him that i dont want him also to leave his family. Nor i want to leavemy family. I m confused what to do. I have done everything for him and now he has forgot evething. He says he love me he dont want to leave me. But at this situtation what should i do.
Ans: Hello Ms.
It's important to approach this with sensitivity and consideration for everyone involved. Understand that his family is a significant part of his life, and he may need time to adjust to the changes. Respect his commitments and responsibilities towards his family. Think about the long-term implications of the relationship. Consider whether it's sustainable in the current circumstances and whether it aligns with your personal values and priorities. Take some time to reflect on your own feelings and the dynamics of your relationship. Consider whether this situation is bringing you happiness and fulfillment, or if it's causing you distress. Establish clear boundaries in your relationship to ensure that both of you are comfortable and that these boundaries are respected. If he is feeling overwhelmed or stressed with the recent changes in his family situation, it might be helpful to give him some space. Encourage open communication make sure you both are on the same page about the nature of your relationship and the level of communication you both desire.Be prepared for the possibility that the relationship may need to change or come to an end. Reflect on your own priorities and boundaries. Ensure that your relationship doesn't negatively impact your personal and professional life. It's essential to maintain a healthy balance and focus on your own well-being. While this can be difficult, it's important to prioritize your own well-being and the well-being of everyone involved.

..Read more

Ravi

Ravi Mittal  | Answer  |Ask -

Dating, Relationships Expert - Answered on Nov 06, 2024

Asked by Anonymous - Sep 03, 2024Hindi
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Relationship
Me and my bf are resident docters in a hospital .We hardly had time with each other ,but always supported each other in difficult times.Through fights ,breakups ,patch ups ,we were there all in these 3 years .He has always been more career oriented , hardly expressed any feelings on his own for me ,he only expressed or said i love when i asked him too .Now i m in my last year of md exams ,he got selected in aiims delhi dm since he was senior to me .Now he hardly communicates with me ,like in 48 h ,all we do is talk for 2 min ,where he hardly says anything ,sometimes he talks is about work.I have asked him multiple times if anything wrong i did ,he has kept on saying he is busy ,he says atleast i call u ,i hardly have time for anyone.He says all he sees now is his work ,patients and career . I have always adjusted according to him ,now it is becoming difficult to adjust .I cant take the trauma of leaving him ,because i have very important exams in 4 months .He was my only bestfriend ,my guide ,my love .He has been changed person .But i m studying and working almost 20 hrs , how to cope up ,i m all alone in this melodrama ,sometimes i wish i was dead
Ans: Dear Anonymous,
Your feelings are valid. It is indeed difficult to adjust to an unexpressive partner. One out of two things can be happening here- one, he does not know how to express his emotions; that is who he is fundamentally. Two, the work pressure and hectic hours have made him detached. You can try having an open conversation with him about it and let him know that you are not being able to carry on like this. Communicate your concerns and how his attitude toward you has affected your mental health. That is the only way to move forward. After the conversation either of two things will happen- it will be a wake-up call for him and things will change for the better. Or, he will continue to behave the same way and you have to rethink the relationship. My suggestion is to have the talk after your exams. I know you think he is your everything, but you are your everything. Do not let this relationship waste the years of hard work you have put into your studies. Focus on yourself and trust me when I say this- value yourself the way you want others to value you. If you don't, why would anyone else?

I hope this helps. Best Wishes.

..Read more

Ravi

Ravi Mittal  | Answer  |Ask -

Dating, Relationships Expert - Answered on Jul 01, 2026

Asked by Anonymous - Jun 30, 2026Hindi
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Ramalingam

Ramalingam Kalirajan  |11371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 09, 2026

Money
Sir I have nearly 35 MF scheme. I have 4 Manu facturing fund. Axis mau facturing fund.. Canara Robecco Manu. fund G(SIP2000) Invesco Manufacturing fund G(SIP 2000 PM ). ICICI Manufacturing fund G Advise how to cut down or exit and invest in other fund continuing only one preferably ICICI. Then I have following non performing Funds Axis consumption fund G regular Hdfc Multcap Fund G regular Hdfc Multcap 50/25/25Index fund Direct Hdfc Tech. Fund D Growth Hsbc India Export Indis export Opp. D Growth ICICI opp. Fund D Growth SUNDARAM mutiasst allocation fund R . G SIP TATA NIFTY AUTO INDEX FUNDNIFTY G DIR. TATA NIFTY IND. TOURISM INDEX FUND G DIR. Above mentioned funds not performing. Your advise whether to and reinvest in an alternative fund. Overlaping funds ICICI prudential energy opportunities fund D SIP GROWTH SBI ENERGY OPP. FUND D. GROWTH 2) FRANKLIN IND. FLEXI CAP FUND R G. 20 UNIT HDFC FLEXICAP FUND R. G. 25 UNIT ICICI PRUDENTIAL FLEXI CAP R. G 3000 Unit TATA mid cap fund R. G. 175 unit UTI MID CAP FUND R. G. 200 Unit HDFC MID CAP FUND R G 250 UNIT Request detailed scrutiny and how to minimise. Besides l have following funds performing well Aditya Birla Sun Life focused fund HDFC Defence fund HDFC PHARMA FUND HDFC TRANSPORTATION FUND HSBC VALUE FUND HSBC ELSS FUND ICICI PRU.PHRMA & HEALTHCARE FUND UTI NIFTY 500 VALUE INDEX FUND I am 82 years old. No liability . Other investments like PPF BANK FD GOLD ANCESTRAL LAND PM ANNUITY PLAN RENT 15 LAKH health insurance. Equities of 5 lakhs Expenses very basic. Would like to re invest. for better returns. Waiting for your early reply. Your 's sincerely ..... ... V. G. Nadig
Ans: You have built substantial financial assets and, importantly, you have no liabilities. At age 82, the priority should now be simplicity, safety, liquidity and reasonable growth. Having nearly 35 mutual fund schemes is unnecessarily high.

» First Priority

– Reduce the MF portfolio substantially.
– Avoid managing many sector and thematic funds.
– Avoid keeping funds only because they performed well recently.
– Keep a smaller number of diversified funds.
– Keep sufficient money in safer assets for your regular needs.

At your age, chasing maximum returns is not necessary.

» Manufacturing Funds

You currently have four manufacturing funds:

– Axis Manufacturing
– Canara Robeco Manufacturing
– Invesco Manufacturing
– ICICI Prudential Manufacturing

There is considerable overlap in this allocation.

I would not keep four manufacturing funds.

If you have a strong preference for the ICICI Prudential Manufacturing Fund, keeping one manufacturing fund can be considered.

The other three can be reviewed for exit and consolidation.

However, do not switch all four on one day blindly. Check capital gains and exit loads first.

» Funds You Mentioned As Non-Performing

You mentioned:

– Axis Consumption
– HDFC Multicap
– HDFC Multicap 50/25/25 Index
– HDFC Technology
– HSBC India Export Opportunities
– ICICI Prudential Opportunities
– Sundaram Multi Asset Allocation
– Tata Nifty Auto Index
– Tata Nifty India Tourism Index

I would not judge these funds only by recent returns.

Some are sector, thematic or index-oriented funds.

They can have long periods of underperformance.

For an 82-year-old investor, I would reduce such complexity.

The index-oriented funds especially do not need to be retained simply for diversification.

» Energy Fund Overlap

You have exposure to:

– ICICI Prudential Energy Opportunities
– SBI Energy Opportunities

There is no strong need to hold two funds in the same sector.

Keep only one if you want sector exposure.

But given your age, even this allocation should remain limited.

» Flexi Cap Overlap

You currently have:

– Franklin India Flexi Cap
– HDFC Flexi Cap
– ICICI Prudential Flexi Cap

This is another clear area for consolidation.

Three flexi-cap funds are unnecessary.

You can retain one suitable flexi-cap fund.

The remaining two can gradually be consolidated after checking taxation and exit loads.

» Mid Cap Overlap

You have:

– Tata Mid Cap
– UTI Mid Cap
– HDFC Mid Cap

Again, three funds are not required.

Keep one suitable mid-cap fund if your overall portfolio needs this exposure.

However, at age 82, I would not maintain a large mid-cap allocation.

This money can be more useful in diversified and relatively stable investments.

» Funds Performing Well

You mentioned:

– Aditya Birla Sun Life Focused
– HDFC Defence
– HDFC Pharma
– HDFC Transportation
– HSBC Value
– HSBC ELSS
– ICICI Prudential Pharma & Healthcare
– UTI Nifty 500 Value Index

Good past performance alone should not decide whether you retain them.

You have multiple sector and thematic exposures here too.

For example, you already have two healthcare-oriented funds.

Defence and transportation are also thematic exposures.

I would reduce the number of such specialised funds.

» A Better Portfolio Structure

Your portfolio can be simplified into a few clear roles:

– Core diversified equity allocation
– Limited mid-cap allocation
– Limited thematic allocation, if required
– Suitable conservative allocation
– Adequate cash and fixed-income allocation

You do not need 35 schemes to achieve diversification.

Around 5 to 7 carefully selected funds can be more than sufficient.

» Very Important At Age 82

Your investment objective should now be different from that of a 40-year-old investor.

Capital preservation is important.

Liquidity is also very important.

You should have enough safe money for several years of expenses.

Equity should mainly serve the purpose of long-term inflation protection.

Do not put money required for near-term expenses into equity.

» About Reinvesting After Exit

I would not immediately reinvest every redemption into another equity fund.

First identify how much money you need for:

– Regular expenses
– Medical requirements
– Family support
– Emergency needs
– Future personal requirements

The remaining long-term surplus can then be invested.

This approach will make your portfolio much safer and easier to manage.

» Your Other Assets

Your FD, PPF, gold, ancestral land, annuity income and rental income provide additional diversification.

Your basic expenses are also low.

This is a positive position.

Therefore, there is no need to take excessive equity risk for higher returns.

» How I Would Approach The 35 Funds

Do it in three stages.

First, identify sector and thematic duplication.

Second, identify overlapping diversified categories.

Third, consolidate the portfolio gradually.

Do not sell everything together.

Review taxation and exit loads before each redemption.

The money released should then be allocated according to your income and liquidity requirements.

» Final Insights

You have done well in building a large and diversified investment base.

The main issue now is not lack of diversification.

It is excessive diversification.

35 schemes can make monitoring difficult and may create hidden overlap.

I would aim for a much simpler portfolio.

Your manufacturing, energy, flexi-cap and mid-cap holdings are the first areas I would consolidate.

I would also reduce excessive thematic exposure.

At 82, stability and peace of mind should come before chasing the highest possible return.

A detailed scheme-wise review would be useful before redeeming anything. It should consider current value, purchase value, gains, taxation, SIP status and exit load for every scheme.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 08, 2026

Money
Dear Sir, I am 52 retired and worked in gulf for 20 years . Current financial status is as follows 1. FD in bank 1 Cr. 2. I own 2 flats . One I use for self and other one want to sell approx value 55 lakhs 3. Own a plot approx 75 lakhs 4. I have ULIP policy of 75 lakhs( 15 lakhs per year premium , 3 years paid, 30 lakhs to be paid, maturing in 2033) 5.10 lakh ULIP policy maturing in 2031 6. LIC policy 6 lakhs maturing in 2029 7. Term policy 1.5 cr ( premium all paid) 8. Heakth policy 60 lakhs for family 9. My child in 12th grade 10. No emi no loan 11 Emergency fund around 15 lakhs in bank My current monthly expense 50 to 60k per month. Could you please analyse my financial status and advice Regards,
Ans: You have built a strong financial base, especially with no loans and good liquidity. At age 52, the main focus should now be capital protection, regular income and your childs education.

» Overall Financial Position

– Your Rs.1 crore FD provides a strong safety base.
– You have around Rs.15 lakh separately for emergencies.
– Your second flat can provide additional capital if sold.
– The plot is another existing asset, but need not be increased.
– Your term insurance is already fully paid.
– Family health insurance provides important protection.
– Most importantly, you have no EMI or outstanding loan.

Overall, your financial position looks comfortable.

» Your Retirement Requirement

Your present expenses are around Rs.50,000 to Rs.60,000 monthly.

Since you are already retired, your investments should now generate stable income.

I would not put the entire Rs.1 crore FD into equity.

Instead, create a proper mix of:

– Safe fixed-income investments for near-term expenses.
– High-quality mutual funds for long-term growth.
– Adequate bank liquidity for emergencies.
– A separate education corpus for your child.

This can give you both stability and growth.

» Childs Education

Your child is already in 12th grade.

Therefore, this is your immediate financial priority.

Do not take high equity risk with money needed soon.

Keep the education requirement separately identified.

If a large amount is required for higher education, plan this before investing for long-term growth.

» ULIP Policies

This is the area I would review carefully.

You have a large ULIP with Rs.15 lakh annual premium. Three years are already paid, with Rs.30 lakh still payable.

You also have another Rs.10 lakh ULIP and an LIC policy.

At your present stage, these policies should not automatically be continued.

Ask for the following details for each policy:

– Current surrender value
– Maturity value
– Remaining premium
– Guaranteed benefits
– Fund value
– Applicable surrender charges
– Tax implications
– Actual expected return

The large ULIP needs particular attention because substantial premiums are still pending.

After comparing the benefits and surrender value, exiting unsuitable policies and redirecting money towards suitable mutual funds may be better.

Do this only after reviewing the exact policy terms.

» FD Management

Rs.1 crore in FD is a strong safety cushion.

But keeping the entire retirement corpus in FDs may reduce long-term growth.

Interest income is also taxable as per applicable rules.

Therefore, gradually creating a diversified portfolio can be considered.

Do not move the entire FD amount into equity at one time.

A phased approach is more suitable for a retired investor.

» Second Flat

You are considering selling the second flat for around Rs.55 lakh.

If there is no personal use for it, selling it can simplify your finances.

The proceeds can be allocated towards:

– Child education
– Retirement income
– Emergency reserves
– Long-term growth investments

I would not recommend buying another property with the sale proceeds.

» Plot

The plot can remain as an existing asset.

But I would not depend on its future appreciation for retirement planning.

If it is eventually sold, the proceeds can strengthen your financial portfolio.

» Mutual Fund Strategy

You have not mentioned any existing mutual fund corpus.

This is one area where you can gradually add a growth component.

At age 52, some equity exposure is still useful.

It can help your portfolio beat inflation over the long term.

But equity allocation should match your retirement income needs.

Avoid taking aggressive risks simply to generate higher returns.

» Monthly Income Planning

Your present spending is manageable compared with your financial assets.

Still, inflation will increase your monthly requirement over time.

So your portfolio should have two parts:

– A stable income bucket for regular expenses.
– A growth bucket for expenses many years later.

This structure can reduce the need to sell equity during market corrections.

» Insurance Review

Your health insurance is a good protection layer.

Continue reviewing the cover as medical costs increase.

Your fully paid term insurance is also useful for family protection.

Since you are retired, review whether the insurance still serves a specific family need.

Do not buy additional investment-linked insurance without a clear need.

» Emergency Fund

Your Rs.15 lakh emergency fund is quite healthy.

Keep this amount easily accessible.

Do not invest emergency money aggressively.

This provides peace of mind during unexpected situations.

» Important Tax Point

Before selling the flat, plot or ULIP, check the applicable tax impact.

Property transactions can create capital gains.

ULIP surrender or withdrawal can also have tax implications depending on policy conditions.

So calculate the post-tax amount before taking decisions.

» 360-Degree Action Plan

– First secure your childs immediate education requirement.
– Review all three insurance-linked investment policies.
– Decide whether the large ULIP should continue.
– Maintain adequate FD and emergency liquidity.
– Consider selling the unused flat if financially suitable.
– Do not add more property investments.
– Gradually build a diversified mutual fund portfolio.
– Keep retirement income and long-term growth separately.
– Review the entire portfolio at least once every year.

» Final Insights

Your financial position is stronger than it may initially appear.

You have substantial assets, no debt and manageable monthly expenses.

The main issue is not creating wealth aggressively now.

The bigger objective is managing your existing wealth efficiently.

Your ULIP portfolio deserves the most detailed review.

With proper restructuring, you can aim for stable retirement income while still allowing part of your money to grow.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Radheshyam

Radheshyam Zanwar  |8596 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 08, 2026

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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