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Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 16, 2023

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 - Jun 15, 2023Hindi
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Relationship

I am the one with the colleague issue. We started as good friends.Before the intimate episode,he left no stone unturned to talk with me. He always interacted everytime we met during the office hours. Even though he already mentioned he not wanted to be in a romantic relationship in general and i respect his decision and supported him since he already had a bad breakup.But after the moment,as i mentioned already,he hardly interacts with me and freely talks with other colleagues. Earlier he used to call me his solace/sukoon. He used to feel relief with me according to him.and now i hardly exist. What did i do wrong? I am not trying to be clingy.However he kind of guessed that i am upset with this present behaviour.But flirting in front of me and ignoring me all of a sudden.why this behavior ?

Ans: Dear Anonymous,

You did nothing wrong. There's really no answer to why he is acting this way. Some people are like that. Since he did not commit to you, you can not blame him directly, but if you really want closure, you can directly ask him about his sudden shift in behavior. If he denies it, let it be. You cannot force someone to accept their mistakes.

I suggest you focus on yourself, and your work, go out with other friends, and put him out of your mind. Again I am reminding you that you deserve better than this. It's better that it ended before you could get even more emotionally attached to a man who does not feel the same way about you.

Best Wishes!

You may like to see similar questions and answers below

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 2023

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Relationship
Hi Anu; I had an altercation with a friend which was followed by him apologising about the same. The next day he stopped all communications completely. However when we met a month later he was absolutely sweet as if nothing had happened. At the same time he didn't keep much contact at all. He is very nice and courteous on watsapp and at other times when ee meet in person looks through me as if I dont exists at all. On phone whenever we have spoken with each other; he is absolutely charming. It is obvious that he doesnt want to be in touch. Let me add that there is no romance involved. Why do people behave the way they do? Hot one moment and cold the next? Its obvious he cannot stand me; but I wish he would stop playing games and be his normal self at all times. Keeping watsapp conversations charming but not interacting face to face is pretty confusing for me since I am straightforward person. Can you give your opinion regarding the same? Frankly speaking I feel he is a drama king and thrives on it. And honestly I dont really want to keep in touch but sometimes we do meet because of common friends. Just thought of asking you about this. Do some people always like to play mind games? Take care!
Ans: Dear Rajani,
Firstly let me put all your thoughts (assumptions) in one place. Assumptions are statements based on perceptions and not facts which sour connections and breaks relationships.
These have been picked from your question to me.
1. It is obvious that he doesn't want to be in touch
2. I wish he would stop playing games
3. I feel he is a drama king and thrives on it

This is your reading of the situations based on the way you have understood it. How much of this is true? Could it be your version of the truth?
Also, you have stated that you don't want to keep in touch; then why are you?
And if you really didn't want to, why is his playing games bothering you?
My suggestions:
1. Be clear if you want an association with him. If Yes, please clear out the air, so that there is no room for assumptions anymore.
2. Do understand that sometimes people are on eggshells after an altercation; he possibly is also carrying a lot of assumptions about you in his mind and that's why he's hot and cold alternatively.
3. Give the benefit of doubt to people; they might be going through something that you makes them behave in an odd way.
3. Drama King or not, there's a lot of unsaid discomfort between the two of you; do get into a non-judgemental space so even if the two of you don't patch up, it can be an amicable goodbye.

Steer away from assumptions and it makes room for either rebuilding a relationship or part ways on a good note.

All the best!

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Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 15, 2023

Asked by Anonymous - Jun 15, 2023Hindi
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Relationship
Hi I need some clarity. I have a colleague at work. We started off as good friends. Daily chats spending free time as much as possible. It was all good. Healthy flirting,friendly banters and being there for each other. He held my hand a little longer while shaking hands.A week ago,during one evening stroll, we shared a passionate kiss which i sort of visualized.and the next day after work,we got intimate. We spent a lot of time at his place. He took care of me a lot. That every thing was fine. I was also aware of the fact that he will get engrossed in his work since a review meeting of his department is next in line.I respect his work and wait for him for one text. No use. Its always me who is initiating the conversation. I know men feel different after sex. I understand. So i was waiting for him. But yesterday he did something,which made me burst into tears. He came in my department to meet our manager. While waiting,he complimented another female colleague for her lipstick colour. That to in front of me!Is it my overreacting or something else. Because it hurt me a lot! I was like "You are saying that you don't have time for me ,you are too busy in your work. But you got the time to notice the lip colour!" So i wanted to see further,i didn't call or text him,and as predicted he did not call or text me at all. I had hopes from him,he will be by my side. A good friend .a solace. I feel betrayed and i need some clarity for the next steps. I don’t know what to do next?
Ans: Dear Anonymous,

I understand you are feeling hurt and confused. Let me start by telling you something that you must already know- a relationship, be it any kind of relationship, is a two-way street. You cannot be the one initiating every conversation in a relationship. Second, any relationship that makes you feel unwanted and keeps you wondering what's going to happen next is not worth your time or effort. Free yourself of such unnecessary burdens.

You two were not exclusive or did not define your relationship at any point in time. At least that's what I understood from your question. Given this, technically he can flirt with others and he can stop wanting to spend time with you. But morally, should he be doing so? No. I'd suggest you spend less time thinking about him and more time taking care of yourself. You deserve better than being treated as discarded. If he decides to come back, you can be civil with him, but being friendly or flirty no longer seems like an ideal option, given how he is treating you now.

Best Wishes!

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Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 13, 2024

Relationship
6monsth back I started talking to one of my colleague, he is attractive by his nature. Almost everyone likes him. he is intelligent, funny, etc.... In calls he used to tell me about his family, his friends, his thoughts, also about the girl (Aliya) whom he liked a lot for 6years (they belong to same village), but she rejected and told that he is her friend only. He told her that he may get feelings for her if they both remained as friends, so better stop talking. But she insisted that they both need to be friends and continue talking. I felt like may be she needed emotional support that's why she insisted. After coming to Jaipur, Aliya started talking to another man named Jitesh. But my colleague used to feel like a third wheel and started keeping distance. Then also she told that they are just friends and he need not distant himself. She always wanted him to give her the first priority. He also feared that she might get upset if he don't give her 1st priority. They used to talk a lot on phone and share everything. One day he brought her to our bay where we both used to sit and work. that day I really felt like I was a third wheel. I felt very bad.. cried for few days. And decided not to talk to him from then on because I didn't want to cry anymore. But he kept trying to have a talk with me. One day he almost cried because I was ignoring him. I couldn't see him like that and also I felt guilt about my behaviour(my intention was not to hurt him but to save my tears). I couldn't help but starting talking to him. He used to mention to me whenever he used to talk to her. and everytime I used to feel very bad. We started talking a lot after few weeks. Whenever I didn't receive proper response from him I used to become very anxious waiting for his reply and cried a lot. But when he starts talking again I used to feel normal. I never wanted to get into relationships, so everytime I used to tell him directly or indirectly about it. But still he continued to talk to me. One day he called me and said that Aliya is in love with Jitesh. He said being a friend he is very happy for her but after sometime he also said that if you also love someone I will stop talking with you also. I understand that he is little sad that he cannot talk to Aliya as he used to talk before because she is in love with someone else. We continued to talk and kept talking a lot. One day I felt like I am too much emotionally getting connected to him and felt like these long talks need to stop. So I asked him saying that I didn't get clarity. Then he opened up and proposed me. I thought for a day and I felt he is also a good person and said yes to him. Then on he became my world. Then on he started talking little less with other girls. One day Aliya called him saying that Jitesh had an incident where everyone thought he was drowned but he came back safely. She needed emotional support and asked him to come to office. She also said she that one of her colleagues didn't bring lunch and she don't have enough food to give her so she asked my colleague to prepare some food and bring it to office. At first my colleague said no thinking of me but Aliya convinced him emotionally saying that will you leave friends if you get a girlfriend and so he prepared lunch and took it to office. That day when he told me all these I felt devastated, I felt really insecured and cried a lot that is our first fight regarding her. He told me that if you say no I will stop talking to her. She again called and asked my colleague that what was my reaction for all these... he kept silent she guessed what might have happened and told that I understand how she might have felt and will not ask him to bring food to office anytime. Then on fights started increasing between us regarding her. whenever we three had a conversation i felt like thirdwheel and felt he is showing more attention towards her, more care towards her. again a fight. Like that fights started increasing. At first he used to listen to me, but after some days he started saying like my thinking is wrong. I even told him how much I cried but he didn't bothered. I never wanted to break their friendship so I never wanted to ask him to stop talking(even though he gave me that option). I only wanted him to give me my importance but I still feel he shows equal care to both of us. Then how am I different? Later on in our every fight, he started supporting her this gave me more pain. One day he said If I leave her for you, then I may leave you for someone else, that is not my character( this is contrary to what he said previously 'I will stop talking to her if i don't want to'). I cried a lot, I don't have much friends I couldn't share this with anyone.... every moment he is only coming to my thoughts and whenever fights happen due to Aliya, I get disturbed a lot... unable to concentrate on my work... not getting interest to do anything. One day out of anger I said just stop talking to her then his expressions totally changed he became hesistant , he became very sad and said I need sometime and don't know how much( his expression is contrary to what he said 'It doesn't bother me much If I don't talk to Aliya' ). He is that much emotionally connected to her. After 5mins I pinged him saying that I am feeling very guilt about the decision and ask him not to stop talking to her. I understood finally that he still thinks I am wrong and I am tired of fighting. One day when I was very emotional I told him that I will no more bring Aliya topic in our discussion and asked him to do whatever he wants. After this, Whenever Aliya calls him or he call her he used to tell me... sometimes I felt very bad... sometimes I tried to ignore as if it didn't bothered me but didn't start any argument with him. After few days he even stopped telling me if she called him or not also. When he was not telling about Aliya's conversations I thought he understood my feelings and reduced talking with her. but one time accidently my colleague's friend told about the small conversation that my colleague and Aliya had, that's how I came to know that they had a conversation but he didn't tell me. I felt very bad, really very bad... again unable to concentrate on work feel like crying all the time... I can't ask him to stop talking to her because I don't like to do so and also afraid of having negative impression on me in my colleague's mind. at the same time, I feel very very bad whenever they meet or have a call or does something together. I cannot discuss with him about this anymore. what shall i do, this is bothering me a lot and also having effect on my career, peace and life. please suggest. I am ready to correct myself if there is anything wrong from my end. And I can surely say that If i have a boy bestfriend then he would definitely not feel comfortable and will get upset.
Ans: Dear Jia,

When two people enter a relationship, both must try to make each other feel comfortable. If you are uncomfortable with your partner speaking to his friend, who is also his ex-crush, it is perfectly normal for you to voice it. And reading your question I understood that he has repeatedly mentioned that he had feelings for her, and even wanted to sever ties because staying in touch could only further ignite those feelings. I don't see how you are wrong in letting him know that you don't like their interactions. Plus, in a healthy relationship, the partner comes first. Not friends, especially not this kind of friendship.

Just understand that you are not wrong. Even if his intentions are pure and he looks at her like a friend, you have every right to express your feelings. You made no unreasonable demand. She wasn't "just" a friend; she was always more than that, and being insecure about something like that is not uncommon.

The only thing to do right now is to tell your boyfriend that you understand that the friendship is important but you deserve someone who can pick you over everything- obviously, reasonable things. See what he does. And please remember, you actually deserve someone who would pick you. This is not an ultimatum; it's the truth.

Best Wishes.

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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 15, 2024

Relationship
Hello I am a 40 year old married female. Off late I started feeling attracted to my married Male Friend of last 5 years. I love my husband a lot and can never think of betraying him. But I feel happy in the company of this friend of mine. He sort of has the qualities i always wanted from my husband and as we all know not everyone can possess every quality. I was aware about his liking towards me like he used to flirt with me someway or other also recently he admitted the same to me that he likes me since our first meeting. As we are family friends and stay in the same building, we keep meeting often with family and sometimes only two of us as we like spending time talking to each other. In our recent visit we hugged each other in the rush of emotions. We both got just blown away by the surreal feeling. We admitted the same to each other. After this meeting we kept messaging each other the whole day and so on for next few days and suddenly one day he said he fears this might ruin our family friendship and started ignoring and maintaining distance, he stopped messaging or calling me without discussing anything. But now I am attracted to him so much that I can not take his absence or apathy towards me and want to have cordial relations like we were before, when it was not vocal between us that we like each other. I am not able to adjust to the fact that the person who used to admire and respect me so much and wanted to have a lifelong friendship can become suddenly so distant. I want an advise whether I am wrong in expecting atleast a normal relation like friendship to continue between us. As we have never crossed our boundaries and hugging once will not count as betrayal. Please guide I want him back as before.
Ans: a close relationship with someone outside your marriage, especially when emotions are involved, introduces challenges. You’re aware of this already, and it seems your friend has also recognized the complexities, likely explaining his sudden need for distance. Often, when feelings come to the surface, they carry a weight that makes people reconsider their boundaries to protect the larger relationships at play—in this case, both of your marriages and family dynamics. This pullback doesn’t negate his admiration or the value he places on your friendship but rather reflects the reality of the situation and the need to guard against further complications.

You might find it helpful to explore what exactly you’re drawn to in your friend’s qualities. It could be that he reflects an aspect of yourself you wish to bring into your own relationship. Identifying these qualities is powerful, as it can help you shape a conversation with your husband, potentially bringing deeper fulfillment to your marriage. Many couples find new dimensions in their relationship when they openly discuss what they yearn for and ways to bring those qualities to life together. While it may feel challenging, these conversations can foster intimacy and growth.

It’s also worth noting that maintaining your friend’s respect and allowing him space is likely the best way to preserve your connection long-term, even if it feels painful right now. His distance might ultimately help both of you return to a place of friendship, but pushing for that too soon might complicate things further. In the meantime, remember that it’s natural to feel a loss or a longing for a friend’s company when circumstances shift. Practicing self-compassion and care can be grounding during times like this, as can seeking other outlets for support, such as close friends, hobbies, or moments of solitude that allow you to process your emotions.

Time and patience may help bring this friendship back to a more natural and comfortable place, but focusing on your marriage and yourself will allow you to stay true to your values and find a sense of peace, regardless of the ultimate outcome with your friend.

..Read more

Latest Questions
Pushpa

Pushpa R  |50 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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Health
Hello Yog Guru, I am (self) practising BASIC yoga since 2021. Every time I do the asanas I develop acute acidity and the same troubles me for 1-2 months. Remedial measures :- I follow medications, stop yoga and the issue is resolved. Should I give up yoga or is there any specific asanas that will not create acidity issues? Pls advise Thanks Tushar
Ans: It’s great that you have been practicing yoga since 2021. However, if yoga is triggering acidity, it means that some postures or your practice routine may not be suitable for your body.

Why is Yoga Causing Acidity?
Practicing on an empty or full stomach – Yoga is best done 2-3 hours after a meal.
Wrong postures – Some asanas (like deep backbends) can put pressure on the stomach, increasing acidity.
Holding breath – Improper breathing can disturb digestion.
Intense practice – Overstretching may trigger stress, which worsens acidity.
What to Do?
? Gentle Asanas: Vajrasana (after meals), Supta Baddha Konasana, and Marjaryasana-Bitilasana (Cat-Cow) help digestion.
? Avoid: Deep backbends and intense forward bends immediately after meals.
? Focus on Breathwork: Practice Nadi Shodhana (Alternate Nostril Breathing) and Sheetali Pranayama to cool the body and reduce acidity.
? Stay Hydrated: Drink warm water to support digestion.

Guidance Matters!
Practicing alone may cause incorrect posture or breathing habits. A yoga coach can guide you on asanas that suit your body and help avoid discomfort. Don’t give up yoga—just modify your practice with expert guidance!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

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Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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Money
I have invested 25k each in the following via Lump sum sometime in August and it's return is negative but I am not worried as I always the market works that's how - Quant Multi asset fund direct - 25k (invest 1k since then) Quant large and mid cap direct - 25k (invest 1k since then) Motilal Oswal midcap fund direct - 25k (invest 1k since then) Hdfc dividend yield fund 2k every month. Should I continue to invest 1k as I don't need this money for at least 5 years and add the mentioned amount every month. Please advise. Thank you
Ans: You have chosen a disciplined approach to investing. Market fluctuations are normal, and patience is key. Since your investment horizon is five years, your strategy must be optimized.

Reviewing Your Current Portfolio
Your investments are spread across different fund categories.

Equity markets can be volatile in the short term.

Over five years, equity funds can deliver strong returns.

Continuing SIP Investments
SIP investments reduce risk through cost averaging.

Investing consistently helps in long-term wealth creation.

You should continue your SIPs as planned.

Assessing Fund Selection
Multi-asset funds provide diversification but may have lower returns.

Large and mid-cap funds balance growth and stability.

Mid-cap funds have high growth potential but higher risk.

Dividend yield funds provide stability with lower volatility.

Portfolio Optimization
Too many funds can create overlap.

A balanced mix of large-cap, mid-cap, and multi-asset funds is ideal.

You may consolidate some funds for better performance.

Monitoring and Adjustments
Review your portfolio every year.

Rebalance if any fund consistently underperforms.

Avoid reacting to short-term market movements.

Final Insights
Continue SIPs to benefit from market growth.

Diversify wisely but avoid too many funds.

Review performance yearly and make necessary changes.

Stay invested with a long-term perspective.

Keep emergency funds separate from your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Money
What are the best ways to invest for a child, not aware of it's a boy or girl at this time. Investment should take care of education preferably getting some returns at a fixed time interval so that it take care of educational expenses at several stages. Also something for marriage or for further education.
Ans: Investing for a child’s future is a great decision. You need a structured plan. Your investment should cover education at different stages. It should also provide funds for higher education or marriage. A mix of investment options will ensure stable and timely returns.

Understanding Financial Goals for the Child
The first goal is school education expenses.

The second goal is higher education at 18 years.

The third goal is marriage or further studies after 22 years.

Investments should align with these timelines.

Investment Strategy for School and Higher Education
Education costs rise every year due to inflation.

A long-term investment approach will help in wealth creation.

Investments should give returns at different stages.

Equity Mutual Funds for Long-Term Growth
Equity mutual funds provide high returns over long periods.

They help in building a strong education fund.

Actively managed funds perform better than index funds.

SIPs ensure regular contributions with rupee-cost averaging.

Debt Mutual Funds for Stability
Debt mutual funds provide low-risk returns.

They are useful for short-term education needs.

Withdrawals are easier compared to FDs.

Hybrid Mutual Funds for Balanced Growth
These funds combine equity and debt.

They provide stable returns with controlled risk.

Suitable for medium-term goals like college fees.

Systematic Withdrawal Plan (SWP) for Regular Payouts
SWP helps in getting a fixed amount at regular intervals.

You can plan withdrawals for school and college fees.

It ensures cash flow without disturbing long-term investments.

Gold for Future Expenses
Gold investments can be used for marriage expenses.

Gold ETFs and digital gold are better than physical gold.

They are safe and do not have storage risks.

Insurance for Child’s Financial Security
A term insurance plan is essential.

It ensures financial stability in case of uncertainties.

Do not mix insurance with investment.

Tax Considerations
LTCG above Rs 1.25 lakh on equity mutual funds is taxed at 12.5%.

STCG is taxed at 20%.

Debt mutual fund gains are taxed as per the income slab.

Final Insights
Start early to maximize returns.

Choose investments based on different education stages.

Use SWP for regular payouts during school and college.

Ensure term insurance for financial security.

Avoid insurance-linked investment plans.

Keep reviewing and adjusting investments as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

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Money
I am 27 years old with 2 cr corpus to invest planning to retire at the age of 35 can realistically consider??
Ans: Retiring at 35 is an ambitious goal. With Rs. 2 crore, it is possible but challenging. You need a strong strategy to make your corpus last a lifetime.

Key Factors to Consider
Inflation Impact
Inflation reduces the value of money over time.

Expenses today will be much higher in the future.

Your investments must grow faster than inflation.

Retirement Period
If you retire at 35, you need income for 50+ years.

A safe withdrawal rate is important.

Poor planning can lead to financial stress later.

Current and Future Expenses
List all your current expenses.

Add future costs like medical, travel, and lifestyle.

Adjust for inflation to get a realistic estimate.

Investment Allocation
Your corpus must be invested wisely.

A mix of equity, debt, and liquid funds is essential.

Equity gives growth. Debt provides stability.

Investment Strategy for Early Retirement
Growth-Oriented Investments
Invest a major portion in actively managed mutual funds.

Equity funds offer high long-term returns.

Select funds with strong historical performance.

Stable Income Investments
Allocate some funds to debt instruments.

Debt investments reduce market risk.

They provide stable returns for regular expenses.

Emergency Fund
Keep at least 2-3 years of expenses in safe investments.

Liquid funds and fixed deposits are good options.

This ensures financial security during market downturns.

Systematic Withdrawal Plan (SWP)
Use SWP to generate monthly income.

Withdraw only a small percentage yearly.

This helps preserve your corpus for longer.

Risks and Challenges
Market Volatility
Stock markets go through ups and downs.

A market crash can impact your investments.

Long-term focus is necessary.

Medical Expenses
Healthcare costs will rise over time.

Ensure you have sufficient health insurance.

Consider a separate fund for medical needs.

Lifestyle and Unexpected Costs
Early retirement may bring unexpected expenses.

Keep a buffer for such situations.

Avoid unnecessary spending in early years.

Alternative Options
Semi-Retirement
Instead of full retirement, consider part-time work.

This reduces financial pressure.

You can still enjoy financial independence.

Passive Income Sources
Explore ways to generate passive income.

Freelancing, consulting, or business investments can help.

This ensures your corpus lasts longer.

Finally
Retiring at 35 is possible but risky.

Your corpus must grow and last for decades.

Plan carefully to avoid financial stress later.

Maintain a good balance of growth and stability.

Consider semi-retirement or passive income sources.

A well-planned strategy will ensure a worry-free future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 30, 2025Hindi
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Money
I am 45 years old Government Servant. I am planning to take VRS . My corpus after retirement will be 2.0 Cr and monthly pension of 1.5 lacs. I have 2 children , son and daughter 17 yrs and 12 yrs old. I have my own house and no loans. Should i proceed with Retirement
Ans: Taking Voluntary Retirement (VRS) is a big decision. You have built a strong financial foundation. Your pension and corpus give you security. However, early retirement needs careful planning. Let’s analyse all aspects before making a final decision.

Financial Strength After Retirement
Your corpus of Rs 2 crore is a good base.

A monthly pension of Rs 1.5 lakh ensures a steady cash flow.

No loans and a self-owned house reduce financial burden.

Your current financial position looks stable.

Monthly Expenses Assessment
Calculate your family’s monthly expenses.

Include household costs, medical needs, travel, and lifestyle.

Check if Rs 1.5 lakh pension covers all future expenses.

Consider rising costs due to inflation.

Children’s Education and Future Needs
Your son is 17 years old and will soon enter higher education.

Your daughter is 12 years old and also has upcoming education needs.

Estimate future education costs for the next 10-15 years.

If required, allocate a part of Rs 2 crore corpus for education.

Medical and Health Security
Medical expenses increase with age.

Ensure you have a good health insurance policy.

Keep a medical emergency fund separate.

Investment Strategy for Corpus
Equity Mutual Funds (40%-50%)

These give higher returns over long periods.
Ideal for growing wealth beyond pension income.
Actively managed funds perform better than index funds.
Debt Mutual Funds (30%-40%)

These provide stability and liquidity.
Useful for short-term goals and emergencies.
Returns are better than fixed deposits.
Hybrid Mutual Funds (10%-20%)

These balance risk with growth.
Helps in generating consistent income.
Tax Implications on Investments
Equity Mutual Funds

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Mutual Funds

Gains are taxed as per your income slab.
Plan investments to minimise tax impact.

Alternative Income Options
Consider part-time consultancy or freelancing.

This will keep you engaged and provide extra income.

Passive income from investments also helps.

Should You Proceed with VRS?
If your expenses and goals fit within Rs 1.5 lakh pension, VRS is feasible.

If education and future costs are uncertain, continue working.

If you retire now, invest wisely to maintain financial security.

Final Insights
Your financial position is strong.

Plan children’s education and medical costs before deciding.

Invest wisely to ensure wealth growth post-retirement.

Consider part-time work for additional security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 26, 2025Hindi
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Money
Hello sir I am 22 and doing SIP of 16k in mf Have 1lac in mf and 1 lac in forex and 50 k in crypto what should be my steps to invest wisely for my higher education and better future .
Ans: You have started investing at a young age. This is a great step. With the right strategy, you can build wealth and secure your future.

Current Financial Position
Investments
Mutual Funds: Rs. 1 lakh.

Forex Trading: Rs. 1 lakh.

Cryptocurrency: Rs. 50,000.

SIP: Rs. 16,000 per month.

Investment Goals
Higher education.

Wealth creation.

Financial security.

Key Challenges and Risks
Forex Trading Risk
Forex trading is highly volatile.

It requires deep knowledge and experience.

A small mistake can lead to huge losses.

It is not suitable for long-term wealth creation.

Cryptocurrency Risk
Crypto markets are unpredictable.

They do not have strong regulations.

Prices can drop suddenly.

Do not invest more than 5% of your portfolio in crypto.

Funding Higher Education
Education costs are rising every year.

You need a reliable and safe investment strategy.

Market volatility should not affect your education plans.

Long-Term Wealth Creation
Your money must grow faster than inflation.

Choosing the right investments is important.

Avoid high-risk, short-term trading strategies.

Steps to Secure Your Future
Reduce Risky Investments
Reduce exposure to forex trading.

Limit cryptocurrency investment to 5% of your portfolio.

Increase Mutual Fund Allocation
Mutual funds provide better long-term returns.

Actively managed funds offer higher growth.

Continue your Rs. 16,000 SIP consistently.

Increase your SIP amount when income rises.

Create an Education Fund
Invest in a mix of equity and debt funds.

Equity gives higher returns.

Debt provides stability.

Start a separate SIP for education expenses.

Build an Emergency Fund
Keep at least Rs. 1-2 lakh in a safe investment.

Use a combination of liquid funds and fixed deposits.

This will help during emergencies.

Tax-Efficient Investing
Mutual fund gains are taxable.

Equity funds have lower tax rates for long-term growth.

Debt fund taxation depends on your income slab.

Plan withdrawals wisely to reduce tax burden.

Increase Earnings and Savings
Focus on skill development.

Higher skills lead to better income opportunities.

Invest surplus income wisely.

Avoid unnecessary expenses.

Finally
You have a great start in investing.

Avoid high-risk trading for long-term stability.

Build a strong mutual fund portfolio for growth.

Plan your education fund with a mix of equity and debt.

Keep an emergency fund for financial security.

Your disciplined approach will ensure a bright future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 25, 2025Hindi
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Money
Hi , I would like to start my investment in mutual funds already im saving 25k in stocks and 50k in chit fund. I have 25k more to save please advice me Thank you
Ans: You are already taking solid steps in your investment journey. A well-balanced portfolio with stocks, chit funds, and mutual funds can help you achieve financial growth. Below is a detailed investment plan for your Rs 25,000 monthly investment in mutual funds.

Why Mutual Funds?
Mutual funds provide diversification and professional management.

They help balance risk and returns based on your goals.

You can invest with flexibility and liquidity.

How to Allocate Rs 25,000 in Mutual Funds?
Equity Mutual Funds (Rs 15,000 - Rs 18,000 per month)

Ideal for long-term growth.
Invest in different categories for risk balance.
Choose actively managed funds for better returns than index funds.
Hybrid Mutual Funds (Rs 5,000 - Rs 7,000 per month)

These funds invest in both equity and debt.
Reduce risk while giving decent returns.
Debt Mutual Funds (Rs 2,000 - Rs 3,000 per month)

Suitable for stability and emergency funds.
Ideal if you need funds in the short term.
How to Choose the Right Mutual Funds?
Investment Goal

Define your target, such as wealth creation or passive income.
Risk Tolerance

Higher risk means potential for higher returns.
Lower risk gives stability but lower growth.
Fund Performance

Look at historical returns over 5-10 years.
Consistency matters more than high short-term returns.
Expense Ratio

Lower expense ratios help improve overall returns.
Regular funds provide advisor support, which helps in fund selection.
Benefits of Investing Through a Certified Financial Planner (CFP)
A CFP helps you create a solid investment plan.

They guide you to rebalance your portfolio regularly.

Investing through an MFD with CFP certification ensures expert monitoring.

How Mutual Funds Fit Into Your Existing Portfolio
Stocks (Rs 25,000 per month)

Direct stocks give higher risk and rewards.
Mutual funds balance this risk with professional management.
Chit Fund (Rs 50,000 per month)

Chit funds provide disciplined savings but may have lower returns.
Mutual funds offer better liquidity and tax benefits.
Mutual Funds (Rs 25,000 per month)

A mix of equity, hybrid, and debt funds ensures diversification.
Helps achieve long-term wealth creation with stability.
Key Mistakes to Avoid in Mutual Fund Investment
Avoid Investing in Direct Plans Without Expert Guidance

Direct plans seem cheaper but require deep research.
Investing through a CFP ensures better selection and monitoring.
Don’t Chase High Returns Only

High-return funds also come with high risks.
Focus on consistency and long-term growth.
Skipping Periodic Review

Markets change, and your investments need rebalancing.
Review your portfolio every 6-12 months with your CFP.
How Taxation Affects Your Mutual Fund Returns
Equity Mutual Funds

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Mutual Funds

Gains are taxed as per your income tax slab.
Hybrid Mutual Funds

Taxation depends on the equity-debt ratio.
Final Insights
Your current investments are well-structured.

Mutual funds will add diversification and balance.

Follow a disciplined approach for better long-term returns.

Invest through a Certified Financial Planner for expert advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ravi

Ravi Mittal  |523 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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Relationship
I'm in a relationship, I’m 19, and he’s 26. He works and is the eldest son in his family, and I’m still in college. He’s often busy with work and other commitments, so we only talk for about 1-2 hours at night, but even then, he doesn't talk late, he goes to bed early. Is this okay, because I like talking late, but he doesn’t give me enough time? His family is pressuring him to get married, and on top of that, he’s not from my caste. So, what should I do to make him sure about me and wait for me? Also, lately, he’s been a bit rude, he’s not the same as before. Is it that he doesn’t care about me, or is he taking me for granted, or is it just me thinking that he’s not as good as before?
Ans: Dear Anonymous,
I understand your wish to keep talking late, but there's a big difference between your lifestyle and his. He is the elder son with responsibilities and a job, while you are a college student; besides studies, you have the luxury of not having all the burdens of your family on your shoulders. His eagerness to sleep early might be owing to tiredness or having to wake up early.
Having said that, if you think there is some other reason, you can always ask him directly. Coming to his rudeness- while I do not support misbehavior in any condition, there still might be reasons like office pressure or family pressure and more. In no way am I excusing his behavior- what I am saying is to talk to him about it. Let him know that his behavior is hurting you and you would like to know the reason behind it.

I can't tell you for sure if he is taking you for granted, or has stopped caring for you, but a direct and open discussion with him can certainly offer you some clarity on it.
Best wishes.

...Read more

Ramalingam

Ramalingam Kalirajan  |7911 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 25, 2025Hindi
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Money
Hi, I am 42 yr old, living with my family including two children of 5 and 8 yrs. I have a loan free flat and two other properties in Gurgaon. I have an expenditure of 75 K monthly.. My monthly rental income is around 80k, I get salary of around 1.7 L per month. Currently invested 20 L in FD, ppf around 25 L and ppf accumulation is around 4 L. I want to retire now, please advise.
Ans: Your financial position is strong. You have multiple income sources and no loans. However, retiring now requires careful planning. You need to ensure steady cash flow and protect your wealth from inflation.

Current Financial Position
Income Sources
Salary: Rs. 1.7 lakh per month.

Rental Income: Rs. 80,000 per month.

Total Monthly Income: Rs. 2.5 lakh.

Expenses
Monthly Household Expenses: Rs. 75,000.

Annual Expenses: Rs. 9 lakh.

Investments and Savings
Fixed Deposits: Rs. 20 lakh.

Public Provident Fund (PPF): Rs. 25 lakh.

PPF Accumulation: Rs. 4 lakh.

Properties: One loan-free flat and two properties in Gurgaon.

Key Financial Challenges
Sustaining Cash Flow After Retirement
Your rental income is Rs. 80,000 per month.

Expenses are Rs. 75,000 per month.

Rental income alone is not enough in case of vacancies.

You need a stable alternative income source.

Inflation and Wealth Protection
Expenses will rise due to inflation.

Fixed deposits and PPF grow slowly.

You need higher returns for long-term financial security.

Children’s Future Planning
Your children are 5 and 8 years old.

You need funds for their education and marriage.

Ensure proper allocation for these goals.

Medical and Emergency Fund
Medical costs rise with age.

Keep a separate emergency fund.

Health insurance is necessary for protection.

Steps to Secure Your Retirement
Maintain an Emergency Fund
Keep at least Rs. 10-15 lakh in liquid form.

Use a combination of sweep-in FDs and liquid mutual funds.

Create a Reliable Income Stream
Rental income may not be consistent.

Invest part of FD and PPF maturity in mutual funds.

Use Systematic Withdrawal Plan (SWP) to get monthly income.

Investment Strategy for Growth
Reduce dependency on fixed deposits.

Invest in actively managed mutual funds for inflation-beating returns.

Balanced mutual funds can provide stability and growth.

Children’s Education and Marriage Fund
Set aside a portion of your investments for their education.

Invest in long-term funds for growth.

Medical Insurance for Family Security
Get a health insurance policy for your family.

This protects your savings from medical emergencies.

Finally
You are in a strong financial position.

Ensure steady income beyond rentals for financial security.

Invest wisely to beat inflation and sustain long-term wealth.

Plan for children’s education early to avoid future burden.

With proper planning, early retirement is possible without risk.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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