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My Boyfriend Ignores Me After Getting a New Job: What Should I Do?

Ravi

Ravi Mittal  |609 Answers  |Ask -

Dating, Relationships Expert - Answered on Aug 13, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Aug 13, 2024Hindi
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Relationship

My boyfriend got a new job, and he doesn't give me time like before, evn if i talk it is annoying to him. but i miss the old days, what should i do

Ans: Dear Anonymous,

The workplace can be a very hectic and stressful environment. If he isn't giving you as much time as he used to, it is probably because he is swamped with work. If he is easily annoyed, it might be because of the stress- it's generally stressful to finish every task within the stipulated deadline and when you add a "new workplace" to the mix, it can be even more stressful.

Please bear with him. If it bothers you too much, have a conversation with him when his mood seems light; probably a weekend. Don't accuse, rather express your feelings with "I" statements.

Best Wishes.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |615 Answers  |Ask -

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

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Relationship
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.

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Kanchan

Kanchan Rai  |615 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 30, 2024

Asked by Anonymous - Aug 13, 2024Hindi
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Relationship
hi ma'am, so ive been dating this guy since 6 months and only the starting 5 months were the best part of this relationship. he used to litrally be obbssesed with me and talk to me all the time. but after he joined work, hes been working for 18 hours and is not able to make time for me. and we used to talk daily on calls at 11pm but now he barely even makes time for me, im not saying he doesnt call me at all but at times he has work. but he says hes so done with my rigid behaviour of must calls at 11pm. ma'am i can't sleep without litsening to his voice but he seems to be not bothered. and now our relationship is all abt fights. whatveer i try to ecplain he thinks im starting an argument and he gets pisst off. what can i do? pls help ma'am
Ans: It sounds like you're feeling really frustrated and disconnected in your relationship, especially after the shift in his behavior since he started working long hours. It's understandable that you miss the closeness and consistency that you had during the first few months, but it seems like his work demands are now taking up a lot of his time and energy.

The first step is recognizing that his workload is something that's affecting his availability, and while it’s natural to want that same attention from him, relationships often go through phases where things need to adjust. He’s likely feeling overwhelmed with the pressure of balancing work and the relationship, and the 11 pm calls may feel like an added stress for him, even though it’s something that helps you feel close.

To move forward, try approaching the conversation differently. Instead of expressing frustration about the calls or time spent together, share how you're feeling in a calm and non-accusatory way. Let him know that you miss the connection and understand that work is demanding, but that you’re hoping to find a balance that works for both of you. It might help to find a compromise—maybe scheduling calls when he's less tired or having shorter, more spontaneous check-ins during the day.

Also, try to focus on the quality of your conversations rather than the frequency. If you're always arguing or frustrated, it adds stress to both of you, and he may start feeling like he can’t meet your expectations. Finding a middle ground where both of your needs are respected will help ease the tension. Ultimately, if he feels supported, he's more likely to be open to reconnecting with you emotionally.

Give each other space to adjust to these new routines, and work on building trust and communication. It may also help to engage in activities that make you feel secure outside of the relationship, so that you're not relying solely on those calls for comfort.

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 10, 2025Hindi
Money
Hello Sir, I have a 10 year old daughter. What are schemes and plans in which I could invest for my daughter's future education.
Ans: Time Horizon Left Before Her Higher Studies
Your daughter is 10 years old now.

You have around 7 to 8 years left.

After that, expenses will shoot up fast.

Engineering, Medical, or Abroad – all need large funds.

So you have limited time to grow money.

Delaying planning further can harm your goal.

Start structured investments from this month itself.

Why Fixed Plans Will Not Work Alone
Many parents invest in only fixed plans.

These include Sukanya, PPF, RD, and LIC.

These are very safe but give low growth.

Returns are often below education inflation.

Education cost doubles every 7 to 8 years.

A fixed deposit gives 6-7% returns.

College fees are rising by 10-12% yearly.

So mismatch will happen if only fixed returns.

Use fixed products for stability, not for growth.

A Good Plan Must Have Three Investment Buckets
Let’s divide your plan into 3 parts:

1. Safety Bucket (Stability and Discipline)
Use government schemes for basic security.

PPF is a good long-term fixed interest option.

Start yearly contributions till she turns 21.

Avoid direct FD as it has lower post-tax returns.

Use recurring deposit only for short term goals.

These give discipline but won’t grow wealth much.

This bucket is for emergencies or short-term goals.

2. Growth Bucket (Actual Wealth Creation)
This is the most important investment area.

Use mutual funds with SIP to build large corpus.

Choose active funds only, not index funds.

Index funds blindly copy market and carry risk.

They don’t protect downside during bad years.

Active funds managed by experts offer better safety.

Regular plan via MFD and CFP gives advisory support.

Don’t invest in direct plans without expert guidance.

Direct plans seem cheap but lack review support.

Many investors lose track without MFD follow-up.

Through regular plan, CFP reviews fund performance yearly.

So you keep on right track without risk.

Do monthly SIP in diversified equity funds.

Increase SIP amount every year with salary hike.

Also invest lump sum in balanced or multi-cap funds.

This will reduce market timing risk.

Keep gold fund allocation low, not more than 5%.

3. Insurance Bucket (Protection of Goal)
Take pure term insurance immediately if not done.

Amount should be minimum 15-20 times your income.

Never mix investment with insurance.

Avoid child ULIP or endowment plans.

They give poor returns and high charges.

They lock money but give low growth.

Cancel them if already taken and shift to mutual funds.

Always keep family secure in your absence.

Buy critical illness and accident rider separately.

Also take health insurance for entire family.

Don’t depend only on employer coverage.

Education goal must survive even if income stops.

Suggested Action Plan from This Month
Start SIP in actively managed diversified equity fund.

Begin with Rs. 5000 per month minimum.

Increase every year with salary increment.

Avoid index funds and ETFs completely.

They underperform in volatile or sideways markets.

Also avoid direct mutual fund plans.

Use regular plans via CFP and MFD.

They give proper rebalancing and goal tracking.

Add Rs. 1.5 lakh every year in PPF.

Maintain this till daughter turns 21 years.

Review PPF maturity matching her marriage or postgrad need.

Keep at least Rs. 2 lakhs in emergency fund.

Keep this in liquid or overnight fund.

Top up term cover every 5 years.

Don’t depend on gold ETF or e-gold too much.

These don’t beat inflation regularly.

Use them as minor hedge, max 5%.

If You Already Have Sukanya Samriddhi Account
Continue Sukanya Samriddhi till maturity.

It gives fixed return with EEE benefit.

But remember, withdrawal is allowed only for education.

You can’t use it flexibly like mutual funds.

So don’t depend fully on Sukanya Samriddhi.

Use mutual fund SIP as primary wealth engine.

Sukanya is only a secondary support plan.

Tax Efficiency and Liquidity Are Key
All your plans must offer tax benefits.

PPF, NPS, ELSS give tax benefits under Section 80C.

Use debt funds for short term goals with tax planning.

Don’t keep more than 1 year’s fee in FD.

Equity SIP held for long-term is tax efficient.

Only profits above Rs. 1.25 lakh are taxed.

LTCG tax on equity is only 12.5% now.

Debt mutual funds taxed as per income slab.

Plan mix accordingly for better post-tax returns.

Avoid These Common Mistakes
Don’t buy child ULIP from insurance company.

These eat up charges and give poor returns.

Don’t mix emotions with investment plans.

Don’t invest in direct equity stocks yourself.

It needs expertise and continuous monitoring.

Don’t rely only on PPF or Sukanya for goal.

Don’t chase returns, focus on consistent planning.

Don’t delay SIP waiting for better market level.

Don’t stop SIP during market correction.

That’s when wealth is actually created.

Monitor and Review Every 12 Months
Once your plan is running, don’t ignore it.

Review SIP performance and goals once every year.

Shift from equity to hybrid when goal is 2-3 years away.

This will protect from last-minute market fall.

Rebalance fund allocation with help of CFP.

Also review term cover and medical cover yearly.

Make sure nominee details are updated.

Keep spouse informed about all investments.

Maintain written record of plan in one file.

Don’t rely only on memory or emails.

What Happens If You Start Late?
If you delay, you need to invest double.

You’ll lose power of compounding.

A Rs. 5000 SIP started now grows large.

Same SIP started 3 years later grows small.

The longer you wait, the harder it gets.

Starting early reduces burden on your salary.

You need to save less if you start early.

But you’ll need to save more if late.

So time is more important than money.

Start with small, but stay consistent for years.

Final Insights
You have 8-10 years left for daughter’s education.

Use active equity funds for real growth.

Don’t depend only on PPF or Sukanya.

Avoid ULIPs and direct plans without support.

Build protection with term and health cover.

Make a proper goal-based investment strategy.

Keep your investments flexible and tax-efficient.

Track yearly and correct as per situation.

With right actions, you will reach your goal confidently.

Don’t postpone action. Start building her future today.

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

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Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 13, 2025Hindi
Money
Hello Sir, I am 28 years old, currently doing SIP in Nifty 50, Nifty next 50, Midcap 150, Small cap 250 & Microcap 250 index funds for 5K each since past 6 months with around 20k invested in gold & silver through ETFs. No financial goal yet but I want to keep myself financially ready for any adverse situations that may arise. Please suggest portfolio adjustments, if any. Should i add debt exposure to my portfolio through a dedicated Debt MF or through Multi/Dynamic asset allocation fund? I have a long investment horizon and a moderate risk appetite.
Ans: You have started at 28. That’s a very good step. Starting early creates a big difference. You already have SIPs in place. This shows responsibility. Keep this habit going strong.

You are also thinking ahead. Preparing for future uncertainty is wise. It shows maturity. Let’s now assess your portfolio. Let’s explore if changes are needed.

Current Portfolio Assessment

You are investing Rs.25,000 per month. That’s a healthy amount. Here’s what we see:

100% in index-based equity funds.

Rs.20,000 in gold and silver ETFs.

No debt fund allocation yet.

No clear financial goal.

While the intention is good, the design needs improvement. Let’s explore why.

Risks in Full Index Exposure

You are investing in only index funds. This has some problems:

Index funds only mirror the market. They don’t try to beat it.

When the market falls, index funds fall fully.

There is no active management to reduce the damage.

No downside protection during volatile phases.

All your equity money is unmanaged.

Overlap between Nifty 50 and Nifty Next 50 exists.

Even midcap, smallcap and microcap indices have overlap.

These sectors can fall very fast during correction.

You are exposed to market risk without any active protection.

Why Actively Managed Funds Work Better

Fund managers do research and adjust holdings.

They remove weak companies and add strong ones.

They focus on quality businesses.

They have flexibility to hold cash if needed.

They aim to beat the market, not just copy it.

Active funds protect you during market crash better than index funds.

With a moderate risk appetite, you need this protection.

Gold and Silver ETFs – A Note of Caution

It is good that you diversified a bit. But exposure to gold and silver ETFs has limits:

Precious metals don’t give regular income.

They are volatile and depend on global events.

They don’t produce profits like businesses.

Long holding of gold ETFs adds no cash flow.

They are good for small exposure only. Don’t increase beyond 10% of total investment.

The Problem with Direct Plans

If your current SIPs are in direct plans, please note these issues:

No Certified Financial Planner support.

No handholding when the market falls.

No personalised portfolio review.

No behavioural guidance during fear or greed.

No asset allocation advice.

Investors often choose funds emotionally in direct mode.

Direct plans may seem low cost. But the value of advice is missing.

Switch to regular funds through a Certified Financial Planner. You get:

Personalised fund selection.

Asset allocation as per your risk profile.

Ongoing review and rebalancing.

Emotional support during market noise.

Small extra cost brings big value.

You Need Debt Exposure

All-weather portfolios always have some debt. Debt brings:

Stability in falling equity markets.

Liquidity for emergencies.

A steady growth even during volatility.

Peace of mind when markets swing wildly.

Even with long horizon, debt plays a role. It balances emotions and returns.

Debt via Pure Debt Fund vs Dynamic Fund

You asked if you should invest in debt via a pure debt fund or via a dynamic asset allocation fund. Let’s examine both.

Pure Debt Funds:

Invest only in fixed income instruments.

Safer than equity in short term.

Good for emergency fund building.

Good for short-term parking.

But:

Returns are low in long term.

They don’t grow much beyond inflation.

Fully taxed as per income slab.

Still, useful for short-term needs and safety.

Dynamic or Multi Asset Funds:

They shift between equity, debt, and gold.

Provide automatic rebalancing.

Lower volatility than full equity funds.

Ideal for moderate risk profiles.

Better long-term growth than pure debt.

These funds offer flexibility and balance.

You can mix both. Use pure debt fund for safety. Use dynamic fund for medium-term growth.

How to Adjust Your Portfolio Now

Here is a more balanced approach:

Reduce exposure to index funds slowly.

Start SIPs in actively managed funds.

Use regular plans through Certified Financial Planner.

Add dynamic asset allocation fund.

Also include one debt fund for short-term needs.

Reduce gold and silver to below 10% of total.

This gives you:

Growth from equity.

Stability from debt.

Safety from asset mix.

Support from Certified Financial Planner.

Asset Allocation Suggestion

With moderate risk and long horizon:

Equity: 60% to 65%

Debt: 25% to 30%

Gold/Silver: 5% to 10%

Within equity, shift towards active funds gradually.

Investment Without Goal Has Risks

Right now, you don’t have a goal. That is fine. But over time:

Set goals for retirement, house, education, or freedom.

It gives clarity and purpose.

You can plan asset mix based on goal time.

You can track progress better.

Even if unsure now, keep your investments flexible. As your life changes, your investment must support it.

Avoid Overlap in Funds

Investing in too many similar funds creates confusion. You are now in:

Nifty 50 and Nifty Next 50 – both large cap.

Midcap 150, Smallcap 250 and Microcap 250 – all aggressive.

This gives too much exposure to one style. Instead:

Choose one or two active flexicap or multicap funds.

Reduce number of index funds gradually.

This removes repetition and brings true diversification.

Too many funds also make tracking difficult.

Tax Awareness is Important

Tax on mutual fund gains depends on fund type and duration.

For equity mutual funds:

Gains above Rs.1.25 lakh in a year are taxed at 12.5%.

Gains below 1 year are taxed at 20%.

For debt mutual funds:

All gains taxed as per income tax slab.

Plan redemptions wisely. Use Certified Financial Planner’s help for tax planning.

Emergency Fund is Must

Keep 3 to 6 months of expenses in a liquid fund. This gives:

Peace of mind during job loss or medical need.

No forced withdrawal from equity.

Don’t skip this. It is your financial safety net.

Insurance Should Be Kept Separate

Don’t buy investment + insurance plans. Keep term insurance for protection only.

If you have any LIC, ULIP or traditional insurance-linked investment:

Check their actual return.

They are low-yielding.

Consider surrender if they are not serving purpose.

Reinvest proceeds into mutual funds.

Keep insurance and investment separate always.

Behavioural Discipline Matters Most

Even the best plan fails without patience. Market will go up and down. Don’t panic. Don’t celebrate too early.

Stay invested. Review annually with Certified Financial Planner. Avoid reacting emotionally.

Finally

You have made a great beginning.

But full index fund strategy has risks.

Shift slowly to actively managed funds.

Add debt exposure for stability.

Use multi asset or dynamic funds for balance.

Keep direct plans away. Go via regular plans with Certified Financial Planner.

Avoid repeating similar index funds.

Set goals gradually.

Keep your gold and silver exposure small.

Build emergency fund without delay.

Stay disciplined and focused.

This 360-degree view will help you stay ready for life’s uncertainties. You will build true financial strength.

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

...Read more

Nayagam P

Nayagam P P  |8249 Answers  |Ask -

Career Counsellor - Answered on Jul 08, 2025

Career
Sir I got 91.05 percentile in mht cet.Which college can I get for CSE
Ans: Smita, With a 91.05 percentile in MHT CET, you can secure seats in solid engineering colleges across Maharashtra whose CSE cutoffs fall within the 85–92 percentile range, ensuring 100 percent admission chances. These institutions combine AICTE/state approval, NBA/NAAC accreditation, experienced faculty, modern computing labs, mandatory industry internships and sustained placement support (80–95 percent over three years). Recommended colleges and their CSE cutoffs are:

Pimpri Chinchwad College of Engineering (PCCOE) Pune – CSE cutoff percentile 91.0–94.0.

PVG’s College of Engineering & Technology Pune – CSE cutoff around 90.5–93.5.

Dr. D.Y. Patil College of Engineering Akurdi Pune – CSE closing rank 6,827 (~90–92 percentile).

K. J. Somaiya Institute of Technology Mumbai – CSE cutoff rank 6,739 (~90–92 percentile).

SIES Graduate School of Technology Nerul – Mechatronics accepts CSE at ~14,128 rank (~88–90 percentile).

Government College of Engineering Amravati – CSE cutoff rank 7,874 (~89–91 percentile).

Shri Guru Gobind Singhji Institute of Engg & Tech Nanded – CSE cutoff rank 9,975 (~87–90 percentile).

Vishwakarma Institute of Technology Pune – CSE cutoff rank 7,121 (~89–91 percentile).

Xavier Institute of Engineering Mahim Mumbai – CSE cutoff rank 15,749 (~84–87 percentile).

Walchand College of Engineering Sangli – CSE cutoff rank 1,463 (~98 percentile) but second shifts and category variations open seats around 91 percentile.

For the best blend of infrastructure, internships, and placements, the recommendation is PCCOE Pune CSE. Next is DY Patil COE Akurdi CSE for its Mumbai NCR exposure. Third is PVG COE Pune CSE for balanced labs and university tie-ups. All the BEST for Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
What is better opt? Sip or Lumpsum ? Of I have 30L rs should I go for Lumsum or SIP?
Ans: Rs.30 lakh is a sizable amount. It can create real wealth if used right. The right method depends on many factors. We need to understand your goals, time horizon, and current market conditions.

A one-size-fits-all answer won’t work. But we will help you assess and decide. Let us compare both SIP and lumpsum. Also, let us explore what works best for different situations.

What is SIP and How It Works

SIP means investing a fixed amount every month.

It gives you the benefit of rupee cost averaging.

You buy more units when the market is low.

You buy fewer units when the market is high.

This helps reduce the average cost of investment.

It brings in discipline and long-term thinking.

You don’t have to time the market with SIP.

It suits salaried investors with regular income.

What is Lumpsum Investment

Lumpsum means investing the full Rs.30 lakh at one time.

This works well when the market is at a low point.

It allows the full money to grow from day one.

You don’t need to track the market monthly.

This is good when funds are idle in the bank.

Let’s Evaluate Based on Different Scenarios

To choose SIP or lumpsum, you must first reflect on:

What is your investment time frame?

Are you investing for retirement, child’s education, or wealth creation?

How comfortable are you with risk and market movements?

Do you want returns over 7 years or more?

Let’s now assess the advantages and challenges of both options.

Pros of SIP Over Lumpsum

Less emotional pressure with small monthly amounts.

Ideal when market is unpredictable or expensive.

Can align with your monthly income if not investing full Rs.30 lakh.

Better suited if you are new to mutual funds.

Pros of Lumpsum Over SIP

Helps you invest idle funds that are otherwise unused.

Offers full compounding benefit from the start.

Can lead to better returns if invested during market dips.

Requires less tracking and monthly planning.

But remember, lumpsum is risky during high market peaks. SIP reduces such timing risk.

Risk Management Through STP

If Rs.30 lakh is available now, don’t invest all at once. A wiser method is STP (Systematic Transfer Plan). Here’s how it works:

Put Rs.30 lakh in a liquid fund.

Set a plan to transfer fixed amounts monthly to equity funds.

This method combines the safety of lumpsum with the discipline of SIP.

STP avoids investing the full amount when the market is high.

It allows a smooth entry into the market over 12 to 18 months.

STP is often underused but works well in volatile markets. As a Certified Financial Planner, we suggest STP when funds are ready in hand.

Should You Time the Market?

No one can predict the perfect time to invest. Market highs and lows are visible only in hindsight. SIP and STP reduce this pressure. They allow you to invest without second guessing.

If you wait for the ‘right time’, you may miss the growth.

Your Investment Horizon Matters

If your goals are more than 7 years away:

A larger portion of your Rs.30 lakh can go into equity mutual funds.

SIP or STP into actively managed equity mutual funds is best.

If your goals are within 3 years:

Choose debt mutual funds. Keep money safe from equity market risk.

Do not opt for equity SIP for short-term goals.

Disadvantages of Direct Mutual Funds

Some investors may ask about direct funds. These are offered without distributor or advisor support. But they come with disadvantages:

No professional review or rebalancing support.

Poor fund selection by untrained investors.

Lack of behavioural coaching during market crash.

Mistakes due to emotions or media noise.

Direct plans may have lower expense ratio, but the value of advice is greater. Investing through a Certified Financial Planner helps you:

Build a proper strategy.

Stay focused on your financial goals.

Avoid panic selling and wrong fund selection.

Why Choose Regular Funds Through a Certified Financial Planner

Ongoing review and timely guidance.

Behavioural support during market volatility.

Goal-based investment approach.

Tax-efficient strategies and portfolio rebalancing.

Periodic updates and reports.

The small cost of regular plans is worth the quality of advice. It protects you from costly errors and gives long-term peace of mind.

Avoid Index Funds for Rs.30 Lakh Investment

Some may think index funds are safer. But they have major drawbacks:

Index funds mirror the market, good or bad.

No active management to protect from market crash.

They do not beat the market, only follow it.

No scope for expert stock selection.

Same returns as everyone else, no edge.

With actively managed funds:

Fund managers adjust the portfolio based on market changes.

They aim to beat the market, not just follow it.

Suitable for investors who want more customised results.

With Rs.30 lakh, go for active funds via an experienced Certified Financial Planner.

How to Use the Rs.30 Lakh Wisely

Here’s a holistic approach to investing Rs.30 lakh:

Set clear goals: retirement, education, wealth creation.

Keep 3-6 months expenses in a liquid fund as emergency reserve.

Use STP from liquid to equity mutual funds over 12-18 months.

Mix large cap, flexi cap, and mid cap funds based on your risk profile.

Review your funds every 6-12 months with a Certified Financial Planner.

Avoid investing all in one go unless market is very low.

Tax Implication You Must Know

For equity mutual funds:

Gains above Rs.1.25 lakh in a year are taxed at 12.5% as LTCG.

Short-term gains (less than 1 year) are taxed at 20%.

For debt mutual funds:

Gains are taxed as per your income slab.

Proper planning with a Certified Financial Planner will help you reduce taxes.

Investment-cum-Insurance Policies?

If your Rs.30 lakh includes money from surrender of LIC, ULIP, or similar:

It is good that you moved out of low-return products.

Insurance should not be mixed with investments.

Redeem and reinvest in mutual funds for better returns.

Ensure you have a term insurance plan separately.

Such reinvestment gives more control, liquidity, and growth.

Risk Management and Diversification

Don’t put all Rs.30 lakh in one fund or asset class. Spread across:

Equity mutual funds for growth.

Liquid or ultra short-term funds for safety.

Some portion in arbitrage or hybrid funds based on your goals.

A Certified Financial Planner can help design your mix as per your comfort.

When SIP is Better Than Lumpsum

If you are starting your investing journey.

If you are uncomfortable investing the full Rs.30 lakh in one shot.

If you are scared of market corrections.

If you have a steady income and want to invest monthly.

When Lumpsum (With STP) is Better

If funds are lying idle in your savings account.

If you are missing out on potential compounding.

If your goals are 7 years or more away.

If you want a disciplined, semi-automated investing plan.

Psychological Benefits of SIP and STP

Investing is not just about numbers. Emotions play a big role. SIP and STP help you:

Stay consistent.

Avoid panic during market dips.

Feel in control with small regular actions.

SIP gives a rhythm. STP gives structure. Both help you stay calm and focused.

Finally

With Rs.30 lakh, avoid investing fully in one go unless market is at a low.

SIP is ideal for regular income earners. STP suits lump sum investments.

Choose active mutual funds, not index funds.

Avoid direct plans. Get professional guidance through regular funds.

Use a Certified Financial Planner to guide your journey.

Keep clear goals and review your progress yearly.

Don’t mix insurance with investments. Keep both separate.

Use tax rules wisely. Plan redemptions as per capital gain structure.

Investing is a journey, not a one-time action. When guided well, Rs.30 lakh can build long-term wealth.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
Property question: I have purchased the flat in March 2022 under construction in Mumbai. In the agreement LUC i.e. Land under construction tax should be borne by customer is mentioned. Builder didn't mention any amount in the cost sheet regarding the same. Now along with Final demand letter suddenly builder is asking us to pay LUC tax which is Rs. 5.2 lakhs. I learned that supreme court has already issued order stating LUC collection is illegal and immoral. But builder is paying any heed towards it. Need legal advice here.
Ans: Background of the LUC (Land Under Construction) Tax Issue
You bought a flat in March 2022 in Mumbai.

The agreement states LUC tax to be paid by buyer.

No amount was mentioned in the cost sheet.

Now the builder is suddenly demanding Rs. 5.2 lakhs.

This was not disclosed earlier in cost estimation.

You found court orders say this tax is illegal.

The builder is ignoring those court judgments.

You feel pressured and want a solution.

You are right to ask for clarification.

Let’s break it down and resolve this fully.

Legal Position Around LUC Tax
Supreme Court has given a judgment on this matter.

It has clearly said this LUC tax is illegal.

Also ruled it is immoral to collect such tax.

Property tax should be based on current development status.

Not on future building potential or FSI value.

So tax based on “possibility to construct more” is wrong.

Builders cannot shift such taxes to buyers.

Even if written in agreement, it can’t override court order.

Buyer protection comes from central and state laws too.

Builder’s Demand – Why It’s Wrong Legally
Builder cannot suddenly impose Rs. 5.2 lakhs extra.

Especially if not in original cost sheet.

Courts have struck down such demand by many builders.

Even if agreement says buyer pays, it can be challenged.

Builder hiding LUC amount violates transparency norms.

It amounts to unfair trade practice.

It is also breach of buyer’s trust and contract.

What You Should Do Now
1. Issue Legal Notice Immediately
Send a strong legal notice to the builder.

Mention that this tax is declared illegal.

Say builder must withdraw demand within 7–10 days.

This builds a solid legal case foundation.

Use a lawyer for drafting if possible.

2. Approach RERA
RERA is the best platform in property matters.

File a complaint stating builder’s non-disclosure and illegal demand.

Ask for directions to cancel LUC demand.

You can also seek penalty for mental harassment.

RERA acts fast and strongly in such cases.

3. File Complaint in Consumer Forum
Consumer forum protects home buyers like you.

It allows you to file complaint for unfair charges.

Demand refund if already paid or order to cancel.

Also ask for compensation and legal cost.

You can represent yourself without lawyer if needed.

4. Don’t Pay the Rs. 5.2 Lakhs
Until court or RERA gives order, don’t pay.

If builder forces withhold of possession, show legal notice.

Possession delay can be added to complaint later.

No legal ground supports this tax today.

Why You Are on the Right Side
Law is fully in favour of buyers now.

Builders using fear and lack of awareness to collect.

Supreme Court ruling is final and binding on all.

Even municipal corporations have accepted the court ruling.

Thousands of Mumbai buyers already fought and won.

You are well within your rights to resist.

How to Strengthen Your Legal Position
Collect all agreement papers and cost sheet copy.

Take screenshot or letter of builder demand.

Keep all payment receipts if anything already paid.

Save email or communication where builder mentioned LUC.

Present all these before RERA or consumer forum.

With proper documentation, you will win easily.

If You’re Afraid of Possession Being Withheld
Builder cannot deny possession if all dues paid.

LUC tax is not a valid due now.

If they hold keys, file complaint immediately.

Attach it with your legal notice too.

Delay in giving possession is punishable by RERA.

Your Next 30-Day Action Plan
Day 1 to 7: Draft and send legal notice.

Day 8 to 15: File RERA complaint online or physically.

Day 15 to 20: Also file in consumer forum as parallel route.

Day 20 to 30: Collect more flat owners with same problem.

Group action adds weight before authority and media.

Real-Life Cases Have Been Fought and Won
Buyers got full refund for paid LUC tax.

Courts fined builders for harassment and misuse.

Builders dropped demands when shown legal orders.

You are not alone in this situation.

Every buyer has legal shield now.

Extra Tips to Handle This Smartly
Never argue verbally with builder staff.

Always write or email with record.

Don’t sign any final demand letters blindly.

Join hands with others in your project.

Legal cost can be shared in group case.

Finally
Don’t fear the builder’s demand.

You have court rulings supporting you.

Act legally, not emotionally.

File complaints and send notice.

Don’t pay illegal tax demand.

Legal system will support you fully.

Your rights as a buyer are protected.

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

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Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
Hello Sir/Mam. I have a question related to investment in equity mutual fund.My wife and I both comes under zero percent tax bracket but we both do job and there is chance that in future we both can come in tax slab. I want to invest in equity mutual fund for long term around 18 years or more.there is long term capital gain tax applicable on these fund on redemption.does there is any saving of tax if I invest in these mutual fund on my mom or dad names because they will always remain in 0 percent tax slab?
Ans: It shows your care for long-term wealth creation. You are considering legal ways to reduce tax outgo on mutual fund investments. That is a good initiative. But this kind of decision needs to be taken only after checking all angles. Let’s analyse your situation with full clarity and depth.

Your Objective Is Clear and Appreciated

You plan to invest in equity mutual funds.

Your goal is to invest for 18 years or more.

You and your wife are working now.

Currently in the 0% income tax slab.

In future, you may enter taxable slabs.

You want to know if investing in your parents’ names helps save capital gain tax.

It is thoughtful that you want to plan for future tax impact today.
That foresight is good and appreciated.

Let’s now analyse the idea of investing in parents’ names from all angles.

Capital Gains Tax Rules for Equity Mutual Funds

You mentioned correctly about capital gain tax on equity mutual funds.

Here’s how tax works now:

If you redeem after one year, it is called Long Term Capital Gain.

LTCG above Rs.1.25 lakh in a financial year is taxed at 12.5%.

Short Term Capital Gains (sold within one year) are taxed at 20%.

This tax is applied only on profits, not on total amount withdrawn.
So yes, tax saving is possible if you plan redemptions wisely.

Will Investing in Parents’ Name Help Save Tax?

At first glance, yes, investing in parents’ names may help reduce tax.
Because your parents are always expected to be in 0% tax bracket.

But we must not see only one side.
Let’s assess other angles also.

Benefits If Done Properly

If fund is held in your parent's name, then capital gain tax is calculated for them.

If they are below taxable slab, and LTCG is below Rs.1.25 lakh, no tax is payable.

Even above that, tax may be saved by spreading redemptions.

So yes, technically, this can help reduce tax legally.

But this only works if you follow all rules and documentation carefully.

Risk of Clubbing Provisions

Income tax law has a rule called “Clubbing of Income”.
This applies when you gift money to someone but control remains with you.

In your case, if:

You invest in mutual fund in your mother or father’s name,

But you keep control and benefit from that investment,

Then income tax department can “club” the income in your hands.

So capital gain will be added to your taxable income.
Then your tax saving plan may fail completely.

However, clubbing does not apply when you gift money to parents.
It applies only when gifting to spouse or minor child.

So in your case, clubbing of income will not apply if gifted to parents.
That gives one green signal to this idea.

But still, only gifting is not enough. More care is needed.

Ownership and Control Must Match

Even if clubbing does not apply, ensure these conditions:

Money should be gifted clearly to your parent.

Gift deed can be done, even if not registered.

The mutual fund folio should be in their name.

They must be primary and only holder of folio.

PAN, bank account, KYC should be in their name.

All transactions and redemptions should go through their bank account.

They should be aware of the investment.

If all these are followed, then the ownership is clean.
Then capital gain will be taxed in their hands.
That way, your tax-saving strategy will be strong and correct.

Practical Challenges You Must Understand

Though tax saving is possible, there are some practical challenges:

If your parents are not financially savvy, they may not track the fund properly.

You may need to support them in documentation, signatures, redemptions.

If any emergency occurs, you may face delay in accessing funds.

If something happens to them, the investment will be part of their estate.

Then legal process like transmission and succession will be needed.

Joint holders can help but should be structured properly.

If too much amount is kept in parent’s name, later family disputes may arise.

So even if it helps save tax, execution must be very careful.
Legal clarity and paperwork must be perfect.

Compare Tax Saving vs. Operational Simplicity

You are trying to save 12.5% LTCG tax on long-term gains.
That tax is only on the gain amount, and only above Rs.1.25 lakh.

For example:

If capital gain is Rs.2 lakh, only Rs.75,000 is taxed.

Tax on that is Rs.9,375 only.

Now, compare this small saving with:

Effort of creating separate folio

Managing another PAN and KYC

Following proper gifting route

Tracking tax filing in parent’s name

Managing fund if parent is not tech-friendly

Handling succession if parent passes away

In many cases, the extra effort may not be worth the tax saved.

So you must balance tax saving with ease of control and operation.

Should You Transfer Future SIPs Also to Parents’ Name?

If you plan to invest SIPs for next 18 years, you may think to start those in parent’s name too.

But this brings added complication:

Their age is increasing. Health risks may affect operations.

You may lose easy access to your own long-term money.

Goal ownership gets diluted.

You may not feel emotionally safe in using the funds later.

Tax rates and laws may change in future.

They may also come under taxable income due to FD or other income.

So yes, technically, it is possible.
But it is not always the best path.

A Better Tax Planning Strategy for You

Instead of shifting everything to parent’s name, you can:

Keep investing in your and your wife’s name.

Split investments equally to use both Rs.1.25 lakh LTCG exemption.

Plan redemptions properly over years.

Avoid redeeming large amount in one financial year.

Use goal-linked withdrawals, not random redemption.

Track performance and capital gain in each folio.

Consult Certified Financial Planner to plan exit well.

That way, you stay in full control.
And still reduce long-term tax impact efficiently.

If You Still Want to Invest in Parents’ Name

Then follow these points carefully:

Make a clear gift to parent through cheque or NEFT

Use their PAN and Aadhaar for KYC

Open mutual fund folio in their sole name

Use their email and phone for communication

Bank account should be in their name only

Make them nominee-wise clear

Create Will or succession plan for legal clarity

Keep transaction record of gift amount

By doing this, you build strong documentation.
And avoid future tax queries or disputes.

Don’t Forget About Behavioural Discipline

If you keep investing in your own name, you track it more seriously.
You take responsibility for growth, goals and review.
Parents may not be emotionally connected to the fund’s long-term goals.
They may redeem early or withdraw on someone’s suggestion.
This breaks your compounding journey.

So, sometimes paying a little tax is better than losing long-term focus.

Also, with a Certified Financial Planner, you can design a low-tax withdrawal plan.
No need to shift ownership to parents just for saving tax.

Final Insights

Tax planning should be part of investment planning.
But it should not drive all decisions alone.
Saving Rs.10,000 tax but losing peace of mind is not smart.
Your idea is right. But execution needs full care.

If you decide to invest in parent’s name, follow gifting route properly.
And maintain clarity in ownership and operations.

But for most cases, staying in control and planning exits well works better.
You and your wife can easily enjoy Rs.2.5 lakh combined LTCG exemption every year.
That itself gives huge tax-free withdrawal potential.

Also, tax rules change every 3–5 years.
So keep reviewing your strategy with your Certified Financial Planner.

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

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Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jun 29, 2025Hindi
Money
I am 34 year old male earning 80k per month .home loan emi 20k..ssy for my 3 year old daughter monthly 10k... investing in ppf monthly 10k...sip 2.5k monthly..nps 3.5 k monthly gold etf 3k monthly.. outstanding home loan amount 14lakhs...now I have lumpsum of 5laks is it wise decision to partly pay my home loan or to invest in mutual fund to create wealth...next question the investments I am making today is enough to secure my daughter future for her studies and marriage or do I need to change anything pls guide on that ...I also have a term insurance
Ans: You are already making disciplined efforts.
Now let’s look at your situation from all angles.

Your Current Investment Snapshot
Salary: Rs 80,000 per month

Home Loan EMI: Rs 20,000

SSY: Rs 10,000 monthly for daughter

PPF: Rs 10,000 monthly

NPS: Rs 3,500 monthly

SIP (Mutual Funds): Rs 2,500 monthly

Gold ETF: Rs 3,000 monthly

Term Insurance: Already in place

Lump sum: Rs 5 lakh in hand

Home Loan Outstanding: Rs 14 lakh

You are saving around Rs 29,000 each month outside of EMI.
This is a solid start.

Should You Part Pay Your Home Loan?
Pros of part prepayment now:

You save a lot of interest over time

You reduce your EMI burden for future

It brings peace of mind and security

Good if job stability is uncertain

Cons of part prepayment now:

You lose opportunity to earn better returns

You reduce liquidity buffer in hand

You miss compounding benefit of mutual funds

Now, the rate of home loan is around 8–9%.
Good mutual funds can give better long-term returns than this.

But you don’t have an emergency fund right now.
That is more important than prepaying loans or investing.

What You Should Do With the Rs 5 Lakhs
Split the amount into 3 purposes:

1. Emergency fund: Keep Rs 1.5 lakhs in savings account or FD

This gives peace during job loss or medical emergency

Use only during true need

2. Mutual fund investment: Use Rs 2.5 lakhs for long-term growth

Choose actively managed equity mutual funds

Avoid index funds and ETFs

Index funds copy the market.

They don’t protect during market crash.

Actively managed funds are guided by experts.

These adapt to market changes quickly.

3. Loan prepayment: Pay Rs 1 lakh to reduce principal

Ask bank to apply it toward principal

This lowers your interest burden

It also shortens tenure quietly

This split will give you balance between safety and growth.

Is Your Current Investment Enough for Daughter?
SSY Rs 10,000 monthly is a strong start.
This will mature when she turns 21.
Use this only for marriage or backup.

But for education, add mutual funds.

Higher education costs will go up

Abroad studies may cost Rs 50–80 lakhs

SSY is not enough alone

Add SIPs for education goal

Increase SIP gradually to Rs 5,000–6,000 per month.
Invest through MFD with CFP certification only.
Don’t go for direct plans.
Direct funds seem cheap, but offer no personalised advice.
You miss rebalancing and asset allocation help.

Regular funds with MFD offer better tracking and handholding.

Your Retirement Needs and Strategy
At 34 years, you have 26 years left for retirement.
Current NPS is only Rs 3,500 per month.
You need to grow it to at least Rs 10,000 monthly over time.
Also increase PPF after SSY ends.

Mutual funds are your main wealth builders.
Don't rely on Gold ETF alone.
Gold works for protection—not growth.
Limit gold allocation to 10–15% only.

Build a retirement corpus of Rs 2–3 crore minimum.

Suggestions to Improve Further
Increase SIP every year by 10–15%

Shift lump sum to mutual funds in 3–5 instalments

Use STP (Systematic Transfer Plan) for that

Review goals once every 6 months

Track fund performance yearly with MFD help

Use FD only for emergency and short goals

Avoid ULIPs, endowment, or combo plans

Keep all insurance and investment separate.

Avoid These Mistakes
Don’t invest in direct mutual funds

Don’t use index funds blindly

Don’t invest more in gold than required

Don’t delay term insurance update when salary grows

Don’t stop SIPs during market dips

Don’t ignore inflation while planning daughter’s future

Discipline + Review = True Growth

Final Insights
You are doing great for your age and income.
Your habits are already strong.
Now add clarity, balance, and regular review.

Keep 3 goals separate:

Daughter's education (SIP + MF only)

Daughter’s marriage (SSY can be used)

Your retirement (NPS + MF + PPF)

Don’t mix goals and investments.
Grow SIPs as salary increases.
Keep emergency fund always ready.
Review with a certified financial planner every year.

Rs 5 lakhs should be used wisely—part for safety, part for growth.
That’s how wealth is built and family protected.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Asked by Anonymous - Jul 05, 2025Hindi
Money
Sir, want to make a lumpsum investment around 10 lakhs.My aim to have atleast 18-22%XIRR in coming 15-20 yrs.which funds with having low nav , high Alpha and H ratio should I choose??
Ans: You have clearly thought through your investment expectations. It is good to see that you are aiming for long-term wealth building. Now let’s analyse and guide you in detail with a 360-degree approach.

Clarity on Your Investment Objective

You have Rs.10 lakh to invest as lump sum.

Your goal is 18–22% XIRR over 15–20 years.

You are seeking low NAV funds with high alpha and high Sharpe Ratio.

The desire for strong long-term returns is absolutely fair.
However, the expectations of 18–22% XIRR consistently over two decades need thoughtful evaluation.

Understanding Long-Term Equity Return Expectations

Historically, good equity funds give 12–15% XIRR over long-term.

18–22% range is aggressive and may not be consistent.

Equity markets are volatile. They need time and patience.

Over 15–20 years, compounding works well.
But expecting 18–22% every year may lead to disappointment.
It is better to expect 12–15% XIRR. Anything above that is bonus.

The Truth About Low NAV Funds

Many investors think low NAV means cheap or better value.

But NAV is not like share price.

NAV shows fund’s per unit value. That’s it.

A fund with Rs.10 NAV is not cheaper than one with Rs.200 NAV.
What matters is how the fund grows, not where it starts.

So, do not choose funds just based on low NAV.
Instead, focus on the fund’s performance, consistency, risk-adjusted return, and fund house strength.

What Does High Alpha and Sharpe Ratio Mean

High alpha means fund is beating its benchmark well.

Sharpe ratio shows return vs. risk taken by the fund.

Higher Sharpe ratio means better risk-adjusted return.

So yes, choosing funds with high alpha and Sharpe ratio makes sense.
But they should be consistently high over 5–10 years.
One-year or short-term alpha is not reliable.

You should also see downside protection, past bear market behaviour, and fund manager continuity.

Important Factors for Fund Selection

Instead of chasing only metrics, look at:

Long-term performance: minimum 7–10 years history

Rolling returns: consistency over time, not point-to-point

Fund manager’s experience and track record

Sector diversification and portfolio quality

Volatility and risk control ability of the fund

A fund with lower return but stable and consistent is better than a risky high return fund.

Why Not Index Funds

Some investors suggest index funds due to low cost.
But index funds just copy the index. They don’t beat the market.

Disadvantages of index funds:

No downside protection in falling markets

Returns only match the index, never exceed

Blind allocation to sectors and stocks

Not suitable if you seek 18–22% XIRR

In contrast, actively managed funds aim to beat the index.
They adapt based on market trends, sector shifts, and economic changes.

With proper selection and regular tracking, active funds can deliver alpha.
So if your goal is high XIRR, avoid index funds.

Why Not Direct Plans

Some investors invest in direct mutual funds without guidance.
But direct funds lack personalised support, rebalancing, and review.

Disadvantages of direct funds:

No one helps track, switch, or reallocate your money

No behaviour control during market corrections

Investors may panic or make wrong decisions

Returns may suffer due to wrong timing

Instead, invest via regular plans under a Certified Financial Planner.
You get portfolio monitoring, expert guidance, and emotional support.
This helps you stay disciplined for 15–20 years.

The cost difference is worth the value added.
A small fee ensures long-term confidence and correct allocation.

Best Strategy for Your Rs.10 Lakh Lump Sum

Since you are investing a lump sum, avoid full one-shot exposure into equity.
Even though horizon is long, entering gradually is better.

Here is a better path:

Step 1: Park Rs.10 lakh in a suitable ultra short term or low duration fund

Step 2: Use STP (Systematic Transfer Plan) to move money to equity over 12–18 months

Step 3: Choose 2–3 well-diversified active equity mutual funds

Step 4: Monitor every year with a Certified Financial Planner

Step 5: Rebalance based on market cycle and fund performance

This phased entry reduces market timing risk.
Also gives better average buying cost.

Which Type of Funds to Choose

Avoid small cap or sectoral funds for lump sum.
They are volatile and need tactical allocation.

Instead, select:

Large & Mid Cap Funds

Flexi Cap Funds

Focused Equity Funds

Multi Asset Funds (for some balance)

These fund categories give:

Diversification

Good upside

Controlled downside

Flexibility for fund manager

With long-term investing, these fund styles build wealth steadily.
They also protect better during market falls.

You don’t need too many funds.
Just 2–3 high-quality ones are enough.

Things to Watch as You Invest

Always link your investment to goal, not just return.

Monitor the funds every year for consistency.

Avoid churning. Let compounding do the work.

Don’t react emotionally to short-term falls.

Stay invested fully for 15–20 years.

Avoid temptation to switch often.
Discipline and patience bring more return than constant change.

MF Tax Rules to Keep in Mind

When you exit your equity mutual funds:

If held for over 1 year:

LTCG above Rs.1.25 lakh taxed at 12.5%

If sold within 1 year:

STCG taxed at 20%

Plan your redemptions properly.
Spread withdrawals over years to save tax.
Avoid redeeming in panic.

Role of Certified Financial Planner in Long-Term Investing

To reach 18–22% return, fund selection is not enough.
You need portfolio design, rebalancing, emotional support, and tax planning.

This is where a Certified Financial Planner helps:

Suggest best funds for your profile

Plan STP for smooth entry

Review and rebalance every year

Prevent emotional exits

Track performance vs. your goal

Provide goal-based reports

A guided long-term approach works better than random investing.
Your planner acts like your investment partner.

Mistakes to Avoid

Please avoid the below traps:

Don’t invest full lump sum in equity at once

Don’t choose funds based on low NAV

Don’t focus only on return, ignore risk

Don’t pick direct funds without expert help

Don’t expect 20% yearly return every year

Don’t react to market noise

Don’t keep changing funds too often

Avoiding mistakes is as important as choosing good funds.

What You Should Do Now

Decide on your 15–20 year goal clearly

Park Rs.10 lakh in short-term fund

Start STP into 2–3 strong equity mutual funds

Choose funds with high alpha, Sharpe, and 10-year performance

Avoid index and direct plans

Invest via regular plan through Certified Financial Planner

Review every year with professional help

Stay invested for long term patiently

Expect 12–15% XIRR, not 22%

Let compounding work quietly

Finally

Your intent to invest long-term is excellent.
A Rs.10 lakh investment over 20 years can grow substantially.
Even at 12–15% XIRR, it can create good wealth.
Stay disciplined, invest right, and follow a guided path.
Choose actively managed funds, and avoid risky shortcuts.
Returns will follow when strategy is sound.

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

...Read more

Ramalingam

Ramalingam Kalirajan  |9464 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 08, 2025

Money
what should i do i have having 2 lakh debt and no source of income and not having any savings or money in my hand how i manage to pay them and no friends and other people are helping me to pay
Ans: It needs a clear and strong action plan.
Right now, your goal is simple—get stable, earn income, and repay.

Let’s look at it from all angles.

Accept the Situation Without Blame
You have Rs 2 lakh loan.

No income. No savings. No support.

This can feel heavy. But it can be handled.

You are not alone. Many have faced this and come out.

You must now focus only on practical steps.

Stop the Debt From Growing
Talk to the lender immediately.

Ask for a pause on EMI or lower interest.

Don’t delay. Hiding will worsen your situation.

If it is credit card debt, avoid minimum payments.

Ask for settlement option if needed.

Document every conversation with lender.

Try converting high interest into low EMI if possible.

No More Borrowing Anymore
Don’t borrow from anyone now.

Don’t take payday or app loans.

Don’t give in to online loan offers.

They increase your stress and risk.

Break this debt chain now.

Focus only on earning and repaying what’s due.

Start a Job or Work Immediately
Even small income is better than no income.

Start with temporary, part-time or gig work.

Choose food delivery, customer care, retail helper, warehouse, or typing jobs.

Try home tuitions, ironing services, cooking support, packaging work.

Check Swiggy, Zomato, Blinkit, UrbanClap, Taskmo, Amazon Flex.

Try YouTube channels or blogs for zero-investment side income ideas.

Any job is a good start.
From zero, even Rs 500 a day is a win.

Sell What You Can Spare
Check if you have any small gold jewellery.

Sell unwanted gadgets, phone, speakers, old laptop.

Sell furniture or clothes you don’t need.

Use Facebook Marketplace, OLX, Quickr.

Even Rs 10,000–15,000 can give relief.

Use this money to pay part of debt.
This builds lender confidence.

Join Government Free Skilling Programs
Join PMKVY (Pradhan Mantri Kaushal Vikas Yojana).

Many courses are free with placement help.

Learn data entry, tailoring, mobile repair, electrician, housekeeping.

Check nearest govt ITI or District Skill Center.

One certificate can get a Rs 8K–15K/month job.
That’s enough to begin repaying.

Reduce Your Monthly Costs
Shift to very low-cost living for next 6–12 months.

Ask relatives for temporary stay if possible.

Don’t eat out. Avoid transport costs.

Use ration shops and free food centers.

Borrow clothes, avoid buying new ones.

Don’t buy on EMI or credit.

Every rupee saved helps you rebuild.

Handle Mental Pressure Calmly
Financial crisis hurts confidence.

Take daily walks. Practice deep breathing.

Write down 3 actions every morning.

Focus only on that.

Your mental health is your real asset.
Strong mind = strong comeback.

Free Help You Can Try
Approach NGOs giving emergency help.

Try Milaap, GiveIndia, Ketto for verified assistance.

Join local self-help groups.

Ask old teachers, colleagues, or ex-employers.

Even strangers can support if you ask with clarity.

Once You Earn, Follow This Plan
Start by saving Rs 500 monthly.

Keep Rs 5,000–10,000 as emergency fund.

Pay Rs 1,000–2,000 monthly to lender.

Once income stabilizes, pay faster.

After clearing debt:

Start SIPs through certified MFD only.

Never invest in direct mutual funds.

Don’t use index funds or ETFs.

Actively managed mutual funds give better results.

Use regular funds with MFD advice.

Invest for future—not under panic.

Don’t Invest in ULIPs or Policies
If someone sells you insurance + investment plan, avoid it.

They are high-cost and give low returns.

No LIC, ULIP, or endowment for now.

Just focus on savings and mutual fund SIPs.

You need simple, flexible plans, not fancy products.

Don’t Fall for Quick Money Scams
Don’t try crypto or forex for quick returns.

Don’t join MLM or chain business schemes.

Don’t pay anyone who promises fast loan approval.

Anything that looks magical will take your money away.

Final Insights
You are strong for asking for help.

Many fear to face it. You are not hiding.

Your comeback will begin with action—not emotion.

Today is your first day of financial rebuilding.

You will repay the Rs 2 lakh. Slowly but surely.

You will build Rs 5 lakh in next 3–5 years.

And more after that.

Keep this plan close. Follow it daily.
You will rise again—step by step.

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

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