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Kanchan

Kanchan Rai  |172 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 01, 2023

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
yadnya Question by yadnya on Oct 01, 2023Hindi
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Relationship

Hi currently sometimes I feel very low as couldn't cracking a competative exam like neet can you suggest how to get out of the phase and start afresh and achieve things and stop self critisscm

Ans: It's entirely normal to feel this way after a setback, but it's important to remember that setbacks are a part of life, and they can provide valuable learning experiences. Here are some steps you can take to get out of this phase, start afresh, and work towards your goals while reducing self-criticism:

Allow Yourself to Feel: It's okay to feel disappointed, frustrated, or low after not achieving your desired outcome. Give yourself permission to feel these emotions without judgment.
Self-Compassion: Treat yourself with kindness and understanding. Don't be too hard on yourself. Understand that not achieving a specific goal does not define your worth as a person.
Reflect and Learn: Take some time to reflect on what went wrong and what you could have done differently. This reflection can help you identify areas for improvement in your study habits, strategies, or approach to exams.
Set Realistic Goals: Set achievable and realistic goals for yourself. Break down your larger goals into smaller, manageable steps. This can make your goals feel more attainable and less overwhelming.
Create a Study Plan: If you're planning to retake the NEET exam or pursue another academic path, create a structured study plan. Make sure it's realistic, includes regular breaks, and allows time for revision.
Seek Support: Talk to friends, family members, or a counselor about your feelings and aspirations. Sharing your thoughts and feelings with others can provide emotional support and fresh perspectives.
Positive Self-Talk: Replace self-criticism with positive self-talk. Challenge negative thoughts and replace them with constructive and encouraging ones. Remember that setbacks do not define your future success.
Focus on Well-being: Pay attention to your physical and mental well-being. Exercise regularly, eat a balanced diet, get enough sleep, and practice relaxation techniques like meditation or deep breathing to reduce stress.
Stay Motivated: Find sources of motivation and inspiration. This could be reading success stories, attending motivational talks, or connecting with people who have achieved similar goals.
Stay Persistent: Success often involves facing setbacks and obstacles. Keep in mind that perseverance is key to achieving your goals. Stay committed to your studies and your personal growth.
Consider Alternatives: If you find that pursuing a competitive exam isn't the right path for you or that it's causing you too much stress, it's okay to explore alternative career options that align with your interests and strengths.
Remember that success is a journey, and setbacks are a natural part of that journey. Use this time as an opportunity to learn, grow, and come back stronger. You have the potential to achieve your goals with determination, self-compassion, and a well-structured plan.

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Hi sir I feel like lost after my neet current exam everybody start noticing that i am getting in depression i was so near to goal then sudden bad turn occur now i am feeling little scared to start again i started doubting myself how can I improve myself and move ahead with confidence
Ans: I'm sorry to hear that you're feeling lost and experiencing difficulties after your NEET exam. It's understandable to feel disappointed when things don't go as planned, especially when you were close to achieving your goal. However, it's important to remember that setbacks are a part of life, and they don't define your abilities or potential.

Here are some suggestions to help you improve yourself, regain confidence, and move forward:

Allow yourself to feel your emotions: It's okay to feel sad, frustrated, or scared. Give yourself permission to acknowledge and process these emotions. Vent to someone you trust, write in a journal, or engage in activities that help you express your feelings.

Self-reflection: Take some time to reflect on your performance in the exam and identify areas where you could improve. This could involve analyzing your study habits, time management skills, or specific subjects/topics that need more attention.

Seek support: Reach out to family, friends, or mentors who can provide emotional support and guidance. They can help you gain perspective, offer advice, and remind you of your strengths.

Set realistic goals: Break down your long-term goal into smaller, achievable goals. This will give you a sense of progress and accomplishment along the way. Celebrate your successes, no matter how small they may seem.

Learn from your mistakes: Failure can be a valuable teacher. Analyze what went wrong in your preparation and exam strategy, and use those insights to adjust your approach. Look for opportunities to learn from your mistakes and make improvements for the future.

Develop a study plan: Create a structured study plan that includes dedicated time for each subject, regular breaks, and realistic goals. Set aside time for revision and practice tests to improve your understanding and test-taking skills.

Take care of yourself: Prioritize self-care activities such as exercise, healthy eating, proper sleep, and relaxation techniques. Physical and mental well-being play a crucial role in maintaining focus and confidence.

Seek professional help if needed: If you continue to struggle with depression, anxiety, or persistent self-doubt, consider seeking support from a mental health professional. They can provide you with strategies to cope with stress, boost your confidence, and help you navigate through difficult emotions.

Remember, setbacks are temporary, and with determination and a positive mindset, you can overcome them. It's essential to believe in yourself and stay motivated. Don't let one setback define your entire journey. Focus on your strengths, learn from your experiences, and keep moving forward.

Best of luck to you!
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Sir as i do partial drop with bsc i decided to give my third attempt in last but at end 3 months before my exams i feel ill ,my both college exam and this exam come college exam finish exactly 1 day ago i am always a topper in school ,college but i feel like devested i am 19 soon to be 20 i know i can't give my 100 percent but i feel like dead now getting depressed as my brother ,sister get their respective dream college i am still struggling i feel like a lost ,failure ,directionless ,defeated daily i feel like miserable althought it not my fault I feel bad like how miserable i become because of that i can't even focus a single thing i even started eating less food ,locking myself ,silence nobody is mocking me but i feel like i lost myself how should I will be successful again Being doctor is my always dream ,i standup on my own 2 times but now i feel like devested can you please tell me how to get harmony and again in my life and be successful
Ans: I'm really sorry to hear that you're feeling this way, but I can offer some guidance and support to help you regain your motivation and find success again.

Recognize that setbacks are normal: It's important to understand that setbacks and challenges are a part of life. Many successful individuals have faced failures before achieving their goals. It's essential to see this phase as a temporary setback rather than a reflection of your worth or abilities.

Take care of your mental and physical health: Your well-being should be your top priority. Make sure you're getting enough sleep, eating nutritious meals, and engaging in regular exercise. Taking care of your physical health can positively impact your mental well-being and help you regain focus and motivation.

Seek support: Talk to someone you trust about your feelings. It could be a family member, friend, or a professional counselor. Sharing your emotions can provide relief and help you gain a fresh perspective on your situation. Additionally, professional guidance can assist you in developing coping strategies and setting realistic goals.

Set small, achievable goals: Rather than overwhelming yourself with the pressure of becoming successful immediately, break down your ultimate goal of becoming a doctor into smaller, manageable steps. Celebrate each milestone you achieve, no matter how small. This will help you stay motivated and build momentum.

Learn from your experiences: Reflect on the challenges you've faced and the mistakes you've made. Use them as opportunities for growth and learning. Understand that setbacks can provide valuable lessons that contribute to future success. Embrace a growth mindset that sees failures as stepping stones toward improvement.

Rediscover your passion: Reconnect with your love for becoming a doctor. Remember why you initially pursued this dream and the impact you hope to make in people's lives. Reignite your passion by researching inspiring stories, engaging in related activities, or volunteering in healthcare settings.

Develop a routine and study plan: Establish a structured routine that includes dedicated study time. Break down your syllabus into manageable portions and create a study plan to cover all the necessary topics. Consistency and discipline will help you regain focus and make progress toward your goals.

Celebrate your strengths: Acknowledge your past achievements and the strengths that have helped you succeed in the past. Remind yourself of your abilities and the qualities that make you unique. Cultivating a positive self-image can boost your confidence and motivation.

Stay positive and resilient: Avoid dwelling on negative thoughts or comparing yourself to others. Remember that everyone has their own journey, and success comes at different times for different people. Maintain a positive outlook, even during challenging times, and believe in your ability to overcome obstacles.

Take breaks and practice self-care: It's important to take breaks and engage in activities that bring you joy and relaxation. Engage in hobbies, spend time with loved ones, or engage in mindfulness practices like meditation or yoga. Self-care is essential for maintaining a healthy balance in life.

Remember, success is a journey, and setbacks are part of the process. Stay resilient, believe in yourself, and keep moving forward. With determination, perseverance, and the right support, you can regain your harmony, rediscover your path, and achieve your dreams.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Money
Sir, I am investing in mutual funds for my kid higher education. Amount needed after 15 years is 1.0 crore. I am investing 4000 rs each in the following schemes. 1. Kotak emerging equity 2. Axis Value fund 3. Parag parikh flexi cap 4. ICICI US Bluechip fund Please suggest should I continue with these. Will the US fund will eat away my capital gains?
Ans: Continuing with your current investment approach for your child's education is a proactive step. However, let's review your fund selection:

Kotak Emerging Equity: Offers growth potential by investing in emerging companies. Review its performance and consistency to ensure it aligns with your investment goals.
Axis Value Fund: Focuses on value investing principles. Evaluate its track record and potential for long-term growth.
Parag Parikh Flexi Cap: Known for its diversified approach across market segments. Assess its performance and consistency over time.
ICICI US Bluechip Fund: Invests in blue-chip US companies. While it offers exposure to international markets, consider its currency risk and tax implications.
Regarding the ICICI US Bluechip Fund, investing in international funds can provide diversification but may also entail currency and tax implications. Capital gains from international funds are subject to capital gains tax in India, similar to domestic funds. However, currency fluctuations can impact returns.

Consider consulting with a Certified Financial Planner to evaluate the impact of international investing on your portfolio and whether it aligns with your risk tolerance and investment objectives. Additionally, review the performance and potential risks of each fund regularly to ensure they remain suitable for your child's education goal.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 18, 2023Hindi
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Money
I have two daughters and their age is 16 and 15 and i own 50 lakhs bank FD , 9 lakhs invested in MF me and my wife have invest 60 lakhs in share market and my age 51 year old. Can you plz suggest the best option for investment . for my future education of two kids and my and my wife upcoming old age( My family ) i have 3 lakhs mediclaim and have few LIC policies. I request you to give me the best advice or suggest the best investment for my growth of money and as a monthly income ( Home expenses ) plz reply
Ans: Given your family's financial situation and goals, it's crucial to create a comprehensive investment plan that considers both growth and stability. Here's a suggested approach:

Education Fund for Daughters: Since your daughters are nearing college age, consider setting aside a portion of your investments specifically for their education expenses. You may allocate a portion of your bank FDs and MF investments towards this goal, ensuring it grows over time to meet their educational needs.
Retirement Planning: As you and your wife approach retirement, it's essential to prioritize building a sufficient corpus to support your lifestyle in old age. Consider diversifying your investment portfolio to include a mix of equity, debt, and balanced funds, along with retirement-focused instruments like the National Pension System (NPS) or Senior Citizen Savings Scheme (SCSS).
Health and Insurance: Ensure you have adequate health insurance coverage for your family's medical needs. Additionally, review your existing LIC policies to ensure they align with your current financial goals and provide adequate coverage for your family's future needs.
Monthly Income: To generate regular income for your household expenses during retirement, consider investing in dividend-paying stocks, mutual funds with dividend options, or fixed income instruments like Senior Citizen Savings Scheme (SCSS) or Post Office Monthly Income Scheme (POMIS).
Regular Review and Adjustment: Regularly review your investment portfolio to track its performance, make necessary adjustments, and ensure it remains aligned with your financial goals and risk tolerance.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your family's specific financial situation and goals. Together, you can create a customized investment plan that addresses your needs for growth, income, and financial security.
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Hello Sir, myself Venkatesh aged 35 working in PSU current monthly takehome salary is Rs.1.20lac investing Rs.1,50,000/- in PPF per annum, havings corpus in fixed deposits around Rs.30lacs, investing in Mutual funds through monthly SIP of Rs.8000/- in three funds from past 3years 1.Parag Parikh Flexi Cap Fund-Reg(G)- 3K 2. Mirae Asset Large Cap Fund-Reg(G)- 3K 3. Axis Focused 25 Fund-Reg(G)- 2K. Now i want to invest another Rs.15,000/- per month for 18-20years and also advise by what amount i can stepup my existing portfolio for better returns.
Ans: Venkatesh! It's great to see your disciplined approach towards saving and investing. With your stable income and existing investments, adding Rs. 15,000 per month for 18-20 years can significantly boost your long-term wealth accumulation.

Considering your current portfolio, you may diversify further by adding funds from different categories to spread risk. Consider allocating the additional investment across different types of mutual funds such as mid-cap funds, small-cap funds, or international funds to enhance diversification.

As for stepping up your existing portfolio, you can consider increasing your SIP amounts gradually over time. Analyze the performance of your current funds and the potential for growth. Based on your risk tolerance and financial goals, you may consider increasing the SIP amounts in funds that have shown consistent performance and align with your investment objectives.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Together, you can create a comprehensive investment plan to maximize returns and achieve your long-term financial objectives. Keep up the excellent work with your savings and investments!
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Please suggest 4 MF's for investment of Rs 10 k sip. It should be growth and open ended... Srinivasulu
Ans: Srinivasulu! Here are four mutual fund options for your SIP investment of Rs. 10,000 each:

Large Cap Fund: Invest in a large-cap fund for stability and growth potential. These funds typically invest in well-established, large companies with a track record of steady performance.
Multi-Cap Fund: Opt for a multi-cap fund to diversify across different market capitalizations, including large-cap, mid-cap, and small-cap stocks. These funds offer flexibility to capitalize on opportunities across the market spectrum.
Mid Cap Fund: Consider investing in a mid-cap fund for exposure to mid-sized companies with potential for higher growth. These funds can be more volatile but offer the opportunity for significant returns over the long term.
Flexi Cap Fund: Choose a flexi cap fund for the flexibility to invest across market capitalizations based on the fund manager's assessment of market conditions. These funds adapt to changing market dynamics and aim to deliver consistent growth.
Ensure you review the fund's performance, track record, and consistency before making your investment decision. It's also essential to stay invested for the long term and regularly review your portfolio to ensure it remains aligned with your financial goals.

Remember, consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals.
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Dear Guru, I work in the technology space, and as with most careers, it is challenging and stressful. I work long hours (10-12hrs on avg). My problem is that I get disturbed sleep and am unable to get work related thoughts out of my mind wherein I even dream about solutions to work problems. I am afraid this is going to hurt my health and burn me out soon. Please advise on how I can detach from work to get a refreshing sleep.
Ans: Dear Bhawik!!

Pat yourself on the back for being a committed employee. The problems you have stated happen to most people who give their 100% to their work. Since you already know what it is to be 100% at work, it is time for you to give your 100% at home and to yourself.
You need to mentally detach yourself from work the moment you step out of the office building.
How will you do this? Adopt the following-
1. before leaving the office list out all the activities for tomorrow , prioritise them and mentally commit to them as tasks for tomorrow.
2. as soon as you exit the office building take three deep breaths , inhale and exhale deeply - this is called a transitioning breath which helps you transition from activity to another
3 establish rituals like listening to music( which you love) the moment you leave the building
4. if your transit form office to home takes some time, then practice being in the moment by looking around - the people, the trees, the sky, let all your senses be involved- use your eyes to see, nose to smell, ears to hear the sounds around, feel the breeze in your hair/ on your skin. This makes you feel 100% alive. Stay in the moment.
5. when you reach home, greet your loved ones with a smile
6. spend a little time doing nothing , just be
7. enjoy your meal mindfully
8.take a small walk after your meal
9.spend min 10 mins doing something that brings you joy, for me it is reading a book, what is it for you?
10.go for a guided "Yog Nidra" before sleeping.

Do not intellectualize these suggestions. Just do them. They are tried and tested methods for a proper demarcation between work and home life.
Best wishes for a life well lived and restful sleep..
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Sunil

Sunil Lala  |178 Answers  |Ask -

Financial Planner - Answered on Apr 29, 2024

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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