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Ravi

Ravi Mittal  |566 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 30, 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 - Jan 15, 2024Hindi
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Relationship

My boyfriend is very nice to me but my parents are very strict with me and I don't want to runway

Ans: Dear Anonymous,

I strongly suggest you not even remotely consider running away. While it may seem romantic initially, the harsh reality sets in, and the aftermath can be less than ideal. I acknowledge that you have a loving partner and envision a future together, and I also understand that convincing your parents might pose challenges, but I believe you will find a way to persuade them in due time. But eloping isn't the best way to start a life. It comes with its own set of difficulties.

Best Wishes!

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Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2023

Asked by Anonymous - Dec 15, 2023Hindi
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Relationship
I have been dating a guy since last year and we are serious about each other. Our families know about us and are quite accepting towards our relationship. But there is a problem idk what to do. I'm single child and my father passed 10 years ago so its just me and my mom. I cant just leave her after marriage. I want all of us ( me my bf his parents and my mother ) to stay together after our marriage but he says that his parents will have a problem with it. Idk what to do i just cant leave my mother but i also love this guy.
Ans: It's understandable that you're facing a challenging situation with conflicting priorities. Balancing your commitment to your mother and your love for your boyfriend can be difficult, but open communication and compromise are essential in such casesTalk about your expectations for family life after marriage. Understand what he envisions and what compromises can be made to accommodate both your wishes. This may involve discussing living arrangements, responsibilities, and boundariesIf possible, involve both families in the discussion. Sometimes, concerns can be addressed more effectively when everyone is aware of each other's perspectives. This can also help in finding common ground and building mutual understanding. finding a solution that respects both families and allows for a harmonious marriage may take time and effort. Patience, understanding, and compromise are key. It's important to create an environment where both you and your boyfriend feel heard and valued.
Ultimately, the decision should be based on what feels right for both of you as a couple. Consider what compromises are reasonable and whether there are creative solutions that can satisfy both your desire to care for your mother and your commitment to your relationship.

..Read more

Ravi

Ravi Mittal  |566 Answers  |Ask -

Dating, Relationships Expert - Answered on May 22, 2024

Asked by Anonymous - May 16, 2024Hindi
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Relationship
i’m 18 and live in the states and basically my parents have known i have a boyfriend for a while now thru their own snooping and my mom has even told me once or twice that she knows about him but today I was trying to go out this morning to a outting with two friends and him and they asked who is coming and if he is coming and then my dad got really angry and started saying things like “you want me to get you married now” and that we were acting like husband and wife because he saw that i have a picture of us in my wallet also for some context he is chinese but he’s the topper of my grade of 500+ students incredibly smart and just perfect guy all around. i don’t want to break up with him, what should i do?
Ans: Dear Anonymous,

I understand that maintaining a relationship when parents disapprove can be very tricky. But you must also understand that their worries come from love for you; you might be an adult but you are still their child. Having said that, let's see some practical ways to deal with this-
- Understanding what's worrying them can help you give them a solution that might work in your favor. Their concerns can stem from cultural expectations. They might be concerned about your safety. Figuring out their concern will help you better navigate the situation.
- Communicate your feelings. Don't get mad when they express their opinions. It won't help your case. Find the right time to discuss this with your parents. And make them feel heard. Their concerns can give you a new perspective too.
- Highlight your partner's positive traits like his academic achievements. And focus on your studies too. If your parents see that he is a positive influence on you, they might reconsider their stand.
- When the time is right, introduce him to your parents. Seeing him in person will humanize him.
- Strike a balance. Your relationship should not interfere with your relationship with your parents or hamper your studies.

Most importantly, be patient. These things take time. You are too young to be so bothered.

Best Wishes.

..Read more

Anu

Anu Krishna  |1576 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

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Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

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

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Money
I am 51 years want to park 10 L recieved from LIC. I have Nippon liquid and Axis Short term funds. Where should I keep this,in these debt fund or some other for max return and least risk . Or some balanced advantage funds?
Ans: Since you're 51 years old and the Rs. 10L is from an LIC maturity, I’ll assess this from a 360-degree perspective with low risk and reasonable return focus.

Let us structure this under simple and clear headings:

Understand the Nature of the Rs. 10L
This is a one-time amount, not a regular income.

So, capital protection is important.

Also, some growth is expected, but not with high risk.

Evaluate Your Existing Funds
Nippon Liquid Fund is very low risk.

Good for short-term parking, like few months.

Returns are around 5.5% to 6% yearly.

You can use it if you need money anytime soon.

Axis Short Term Fund is slightly better return.

Slightly higher risk than liquid fund, but still low.

Returns can be around 6% to 7% yearly.

Suitable if you are okay to stay invested for 2-3 years.

Should You Switch to a Balanced Advantage Fund?
These funds invest in both equity and debt.

They adjust the mix based on market conditions.

They give better return than debt if held for 3-5 years.

But, they carry moderate market risk.

Return range can be 8% to 10% per annum.

Not guaranteed, but historically stable.

Suitable if your risk tolerance is moderate.

Also, you must stay invested for at least 3 years.

What You Can Do Now (Allocation Suggestion)
Here is a simple, low-risk and flexible suggestion:

Rs. 2L in Nippon Liquid Fund: For immediate needs.

Rs. 4L in Axis Short Term Fund: Safe with better return.

Rs. 4L in Balanced Advantage Fund (via MFD with CFP): For better growth.

Choose an actively managed regular plan.

Avoid direct plan. They lack support and monitoring.

Regular plans offer advisor support and rebalancing guidance.

Why Not Direct Plan?
Direct plans look cheaper.

But they don’t guide you during market falls.

Many investors panic and exit early.

This leads to poor returns.

With MFD + CFP support, you stay invested longer.

Long-term behaviour matters more than cost.

Why Not Index Funds?
Index funds blindly follow the market.

No protection during market fall.

No fund manager to adjust strategy.

Active large-cap or balanced funds adapt better.

At your age, protection is more important than chasing index.

Important Tax Point
Debt funds and balanced advantage funds are taxed as per income tax slab.

If you hold for 3+ years, tax is less due to indexation benefit in earlier rules.

But now, for debt funds, tax is same as your slab.

So, choose based on your tax slab also.

But do not let tax alone decide. Safety is first.

Final Insights
Your Rs. 10L should grow slowly and stay safe.

Split into 3 buckets: short-term, mid-term, and medium-risk.

Liquid fund for liquidity.

Short-term debt for capital stability.

Balanced advantage for gentle growth.

This mix gives you flexibility, return and low risk.

Please review once a year with a Certified Financial Planner.

He/she will help you shift the mix if your goal or market changes.

No need to chase high returns. Protect capital, grow steadily.

You already took a right step by asking before investing.

That clarity helps avoid mistakes.

With this structure, your money can stay safe and still grow.

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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