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Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 30, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Lakhbinder Question by Lakhbinder on May 16, 2023Hindi
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Relationship

Mam, my son has just completed his 12 class in commerce stream. His self confidence is low and in exams he failed to give his 100% and score low marks than his capability. His is also careless in studies. please guide how we can help him and how he can improve on this. We are very much disturbed due to this. Please help...

Ans: Dear Lakhbinder,
That age is a very confusing time for youngsters as they not only have to deal with the expectations of the school and parents but also 'fit in' with their peers.
It is natural to be defocused from academics and not do their best and I do understand your worry especially if he is aiming at a highly academic course after Class 12.

In my experience, working with youngsters, this is what I have understood:

Youngsters are not careless with their studies without reasons.
- They are doing a course which they were forced into or don't have an aptitude for
- They have immense pressure at home and school to perform
- They have been subject to a lot of comparison with those performing well in their class
- They have a lot of unwanted influences through chat apps and social media apps
- They are constantly monitored as to how much effort they are putting
- They are simply giving into their rebellious streaks given the age

It could be any of the above. Do identify and if there are things as a parent you can do, kindly step in NOT as a friend but by being more accepting and FRIENDLY. If it's about focus orientation, seek an expert who in one session will be able to help him through re-training the mind hacks which are simple to follow with amazing results.

All the best!

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 09, 2024

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Hello Sir, My Son 14 years old studing in 9th Standard has not pay attention in studing, He is sleeping & lazy in all the Periods of School classroom.His body language is very idle & he has very Lazy guy. this is may due to he not eating healty food like, dryfruits, vegetable (eathing Junk Food) instead our so many attempt to do so. Myself & wife do all the attempt to improve him but we are failed in all the attempt. his school marks are only 30 to 40% & we are very much scare that he is going to failed in 9th standared. he also not listing to Teachers & our Advice but only ignore & sometimes arrogant in the argument. we have changes so many classes & private tution to improve in studey & behavour, but all attempts did not work. his only interest in Cricket, watching TV & Mobile. Request to need your valuable advice & tips to make changes in my son.
Ans: I'm sorry to hear that your son is struggling in school. It's great that you and your wife are trying to help him. Here are some tips that may help:

1. Encourage healthy habits: Eating a balanced diet, getting enough sleep, and exercising regularly can help improve focus and concentration.

2. Create a study-friendly environment: Make sure your son has a quiet, well-lit space to study. Remove any distractions, such as TV or mobile phones, during study time.

3. Set goals: Work with your son to set achievable goals for his studies. Break down larger goals into smaller, more manageable tasks.

4. Reward progress: Celebrate your son's successes, no matter how small. Rewards can be as simple as a favorite meal or activity.

5. Encourage active learning: Encourage your son to take an active role in his learning. This can include asking questions, taking notes, and summarizing what he's learned.

6. Get support: Consider enlisting the help of a tutor or academic coach. They can provide additional support and guidance to help your son succeed.

Remember, every child learns differently, so it may take some time to find what works best for your son. Be patient and supportive, and don't hesitate to seek professional help if needed.

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I AM AN KARTA OF AN HUF. THERE IS SOME INVESTMENTS BY HUF IN ELSS MF WHICH HAS LOCK IN PERIOD OF 3 YEARS. I AM PLANNING TO FULLY DISOLVE MY HUF, AND DISTRIBUTE THE ASETS TO ALL THE MEMBERS OF HUF. HOWEVER BECAUSE OF LOCK IN PERIOD, I CAN NOT SELL MY ELSS MF. HOW DO I OVERCOME THIS SITUATION AND FULLY DISSOLVE MYHUF.
Ans: ? Understanding Your Current HUF Investment

– Your HUF has investments in ELSS mutual funds.
– ELSS funds have a strict lock-in of 3 years from investment date.
– During the lock-in, units can’t be redeemed or transferred.

? Legal Restriction During Lock-in Period

– ELSS units are non-transferable during lock-in.
– Even if HUF dissolves, these cannot be assigned to members.
– This is an SEBI regulation and applies to all ELSS units.

? HUF Dissolution and Asset Transfer Planning

– You can dissolve the HUF legally through a partition deed.
– But you cannot transfer ELSS units till lock-in ends.
– Other HUF assets can be partitioned and distributed.

– For ELSS, you must retain them under HUF until each unit’s lock-in ends.
– Once the lock-in is over, units can be redeemed or distributed.

? What You Can Do Now

– Step 1: Identify the investment date of each ELSS SIP or lump sum.
– Step 2: Create a schedule of lock-in end dates for each investment.
– Step 3: Initiate partition of all other movable and immovable assets.
– Step 4: Retain ELSS in HUF name till lock-in ends.
– Step 5: Dissolve HUF formally after that or close only after transferring.

? Treatment of ELSS Units During Dissolution

– Even if you dissolve the HUF now, ELSS cannot be passed to members.
– Mutual fund company won’t process ownership change during lock-in.
– Legal title remains with HUF till maturity of lock-in.

? Operational Way Forward

– Maintain HUF PAN and bank account till lock-in ends.
– One option: dissolve HUF except for ELSS units.
– Keep HUF active only to hold ELSS units till lock-in ends.
– After 3 years from each investment, redeem and distribute proceeds.

? Partition Deed with Clause for ELSS

– Prepare a written partition deed listing all HUF assets.
– Mention ELSS investments and their lock-in dates separately.
– State clearly that ELSS will remain under HUF till lock-in ends.
– Add clause to distribute ELSS proceeds post lock-in as per agreement.

? Taxation Implications

– During lock-in, ELSS continues to be taxed in HUF’s name.
– LTCG above Rs. 1.25 lakh taxed at 12.5%.
– Short-term capital gains (if any from other assets) taxed at 20%.
– Post lock-in, when redeemed, gain is taxed under HUF.
– You can distribute only net amount to members.

? Family Agreement & Clarity

– Ensure all members of HUF agree on partition terms.
– Take written consent from each member to avoid future issues.
– Keep a notarised deed and record asset valuation clearly.

? Role of Certified Financial Planner

– A CFP can help create a step-wise strategy.
– Also helps in timing redemptions, handling taxation, and planning future reinvestments.
– If members want to reinvest ELSS proceeds individually later, CFP can guide well.

? Avoiding Errors

– Don’t try to transfer ELSS units to individuals before lock-in.
– This will violate fund terms and SEBI rules.
– Mutual fund house will reject any such transfer request.

? Future Planning Post Redemption

– Once ELSS units are redeemed, you can distribute as per partition terms.
– Each member can invest that in personal mutual funds.
– Regular mutual funds (non-ELSS) can then be held in their individual names.

– For new investments, avoid ELSS under HUF if dissolution is planned.
– Use individual accounts or family trust structures if needed.

? Final Insights

– You cannot bypass the ELSS lock-in through dissolution.
– You must wait for 3-year period to end for each investment.
– Till then, HUF must remain active to hold ELSS legally.
– All other assets can be divided through a proper partition deed.
– Plan dissolution in phases if needed.
– Maintain transparency among members.
– Once ELSS unlocks, redeem and distribute based on prior agreement.

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

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