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Anu Krishna |839 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 09, 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

Question by AVINASH on Mar 08, 2023Hindi

Relationship

My daughter is facing anxiety for the past three months. There are many thoughts running in her mind and due to that she is unable to concentrate on anything and she is contstatly crying/wailing ?how to cure her?

Ans: Dear Avinash,
I hear you. It's hard to watch one's own child go through any pain or anguish. Since I am not aware of how old your daughter is, I may not be able to give you pointed suggestions but can generally suggest here.
Exams, peer pressure, bullying, sudden changes at home/school/college, relocating homes, changing schools, death or loss of a loved one...anything can cause anxiety or trigger anxiety.
If your daughter is school/college going, find out if something has happened there for her to feel this anxiety.
A change of scene might help but if the root of the problem is not eliminated, then the anxiety is here to stay.
Ensure that she gets a lot of playtime (if she is that age) OR she indulges in sports or physical activity (if she's much older)...the body displaces and releases stress with a lot of movement. Nature, music, having a supportive environment at home can go a long way in easing the symptoms related to anxiety.
Also, talk to her a lot to ensure her that whatever is causing her to feel anxious, will most certainly pass.
If the symptoms persist, kindly consult with an expert or a professional who can deal with these cases.

All the best!

RelationshipReply

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Dr Ashish Sehgal |97 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 12, 2023

Question by RAVIN - May 02, 2023Hindi

Relationship

Dear Sir, thank you for taking time. My daughter is 10 year old. She is too scared of death - she imagines that parents may die early or she may die. She starts crying silently whenever such a thought comes. What would be the best way to make her comfortable and stop her worries? She lost her grand mother (my MIL) when she was 5 whom she was very attached to. She did cry that day but the fear seems to be there for her ever since. We have made sure she does not have lot of screen time and we don't show her movies/cartoons that are not suitable for her age.

Ans: I'm sorry to hear that your daughter is struggling with fear and anxiety related to death. It's understandable that she would be scared, especially if she has experienced the loss of a loved one at a young age.

Here are some suggestions for ways to help your daughter feel more comfortable and ease her worries:

Listen and validate her feelings: It's important to let your daughter know that it's okay to feel scared and worried. Listen to her concerns and validate her feelings by acknowledging them. You can say things like "I understand that you're feeling scared right now, and it's okay to feel that way."

Reassure her: Let your daughter know that you and her other loved ones are doing everything you can to stay healthy and safe. You can also reassure her that most people live long, healthy lives and that it's unlikely that anything bad will happen to her or her family members anytime soon.

Teach her coping skills: You can help your daughter learn coping skills to manage her anxiety. For example, you can teach her deep breathing exercises, visualization techniques, or mindfulness practices. You can also encourage her to engage in activities that she enjoys and that help her feel calm and relaxed, such as reading, drawing, or playing outside.

Seek professional help: If your daughter's anxiety persists and is interfering with her daily life, it may be helpful to seek professional help. A mental health professional who specializes in working with children can help your daughter develop coping skills and work through her fears in a safe and supportive environment.

Remember that it's important to be patient and understanding with your daughter as she works through her fears. With your support and guidance, she can learn to manage her anxiety and feel more comfortable and secure.

Anu Krishna |839 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jul 21, 2023

Asked by Anonymous - Jul 17, 2023Hindi

Relationship

My daughter is suffering from schizophrenia. She is 25 years old. Is is curable. When she takes medicines her behaviour is about normal and when not her normal behaviour changes. Suggest way to treat the problem.

Ans: Dear Anonymous,
(Disclaimer: The suggestions made below can be implemented only after a nod from your daughter's doctor who will know whether Mindfulness practices have any contra-indications in people with schizophrenia. Any suggestions here are to be followed under strict advice from her doctor and under his/her supervision only. Also any suggestion here is not a substitute for prescribed medication that she she is taking).

I do understand your anxiety as a parent. But there is no known cure for schizophrenia according to medical sciences.
Medicines help with the symptoms and triggers but also I can suggest that she go for a Mindfulness Course. It will help her regulate her breath which can calm the mind and body. It will also facilitate thought-behavior loop which will go a long way in possibly managing the mind. But medicines must be taken as per the doctor's instructions.

All the best!

Anu Krishna |839 Answers |Ask -Follow

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

Asked by Anonymous - Nov 02, 2023Hindi

Relationship

My 24 yr old daughter is very anxious about her career. She wants power, money, highest post. So that she is recognised by everybody in the society. As she is from Arts background for which she is regretting. And blaming parents that they have not guided her properly. If she would have taken science stream she might be doctor or engineer by which she can earn money more. Now she is preparing for bank exam. She is doing hard work. But she has closed herself in her room, windows are shut. Not interacting with parents or guests. She is taking medicine stalopam 15 and taken help of psychologist for three sitting which is incomplete. Now she is not willing to go to psychologist because psychologist has not listened to her empathically ( her version). We parents helpless donot know what is our next step. Please can you help me in this regard. Please send reply in my email if possible.

Ans: Dear Anonymous,
At 24, if she is still looking for validation from the external world to create her identity, she's again setting herself up for failure. If she still thinks that money, name and fame is what is going to earn her recognition from the society, she really needs a course that will change her mindset.
As parents, kindly call out such behavior that is messing with her mind. Talk therapy or advice from home isn't going to help anymore...she hasn't had much exposure of what the outside world is like...
Every stream of education brings with it many opportunities that can be explored!
My suggestion would be for her to be part of activities, communities and the like where she will be able to interact with different people from various backgrounds...Even volunteering opportunities can give good exposure...
Now, she may not be willing to do this as she finds comfort in what she is doing by shutting herself from the outside world...again 'CALL OUT' this behavior and that you as parents don't support her self-pity tirade. Also, as parents you can become part of any community or volunteering opportunity that 'shows' her that her parents are not just preaching to her but actually living it...
Just to reiterate, do not feel sorry for her; she will thrive on that sympathy...if you want to see a change in her, then it's time to shake things up so she knows that her parents mean business...remember, she is an adult...so, treat her as one!

Latest Questions

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 04, 2024Hindi

Money

Dear sir, I am 52 and want to retire somewhere this year. Monthly expenses is around 30000/-. Having following savings: MF and stocks- 20Lacs, PPF: 25Lacs, EPF: 10Lacs, FD: 35Lacs. Are theses savings sufficient for post retirement life? Kindly guide. I don't any loan.

Ans: Based on the information provided, let's evaluate whether your savings are sufficient for your post-retirement life:

Monthly Expenses: Your monthly expenses are approximately 30,000/-. This is a crucial factor in determining how long your savings will last in retirement.
Savings Breakdown:
Mutual Funds and Stocks: 20 Lacs
PPF: 25 Lacs
EPF: 10 Lacs
FD: 35 Lacs
Assessment:
With a total of 90 Lacs in savings, and considering your monthly expenses, your savings can cover your expenses for approximately 30 months (2.5 years) without any additional income.
PPF and EPF provide a stable and secure source of income, but their liquidity may be limited.
FDs provide a relatively stable source of income, but the returns may not be sufficient to cover your expenses in the long run, especially considering inflation.
Next Steps:
Consider other sources of income, such as pension plans or annuities, to supplement your retirement savings and ensure a steady stream of income in retirement.
Evaluate your investment portfolio and consider diversifying to ensure a balance between risk and returns.
Explore options for reducing expenses or generating additional income streams to extend the longevity of your savings.
Consult with a Certified Financial Planner to create a comprehensive retirement plan tailored to your specific needs and goals.
While your current savings provide a foundation for retirement, it's essential to carefully plan and manage your finances to ensure a comfortable and secure retirement lifestyle. With proper planning and prudent financial decisions, you can enjoy a fulfilling retirement without financial worries.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 04, 2024Hindi

Money

Hi, I am a 35 Year old Single Male with a net monthly salary of 1.75 lakhs per month. My accommodation is provided by the company. So my expenses are not much. I invest 90k per month in MFs. I also have additional investments of 1.5 Lakh in PPF, 50k in NPS, 1.5 Lakh in SGB. My goal is to have a Corpus of 25 Crore and retire at 50. Can you suggest anything else that I should do or am I doing alright? MY MFs are a mix of Small cap, Mid Cap and Large Cap with about 50% weight in Small Caps.

Ans: It sounds like you're on a solid financial path with your current investments and savings habits. Here are a few additional suggestions to consider as you work towards your goal of retiring with a corpus of 25 crores:

Review and Adjust Asset Allocation: Given your goal of retiring at 50, ensure your asset allocation aligns with your risk tolerance and time horizon. Consider rebalancing your portfolio periodically to maintain the desired mix of small, mid, and large-cap funds.
Emergency Fund: While your expenses are low, it's still essential to have an emergency fund to cover unexpected expenses or job loss. Aim for 6-12 months' worth of living expenses in a liquid savings account.
Explore Tax-Efficient Investments: Since you're already investing in tax-saving instruments like PPF and NPS, consider exploring other tax-efficient investment options such as ELSS (Equity Linked Savings Scheme) mutual funds or tax-free bonds to optimize your tax savings.
Regular Financial Check-ups: Schedule regular financial check-ups with a Certified Financial Planner to review your progress towards your retirement goal, adjust your investment strategy as needed, and ensure you're on track to meet your objectives.
Consider Real Estate: Real estate can be a valuable addition to your investment portfolio, providing both rental income and potential capital appreciation. However, carefully evaluate the property market and ensure it aligns with your overall investment strategy and risk tolerance.
Overall, continue with your disciplined savings and investment approach, and regularly reassess your financial plan to ensure it remains aligned with your goals and aspirations. With careful planning and prudent decision-making, you're well-positioned to achieve financial independence and retire comfortably at 50.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Mili - May 04, 2024Hindi

Money

I am 59 years of age I want to know how much should I invest in mutual funds so that in next 10 years I get 50 lacs.

Ans: To achieve a target of 50 lakhs in 10 years through mutual fund investments, you need to calculate the required monthly investment based on your expected rate of return. Here's a simplified approach:

Calculate Required Monthly Investment: Use a financial calculator or formula to determine the monthly investment needed to reach 50 lakhs in 10 years, assuming a certain rate of return. For example, if you expect an average annual return of 10%, you would need to invest approximately X amount per month.
Consider Risk Tolerance: Keep in mind that higher returns usually come with higher risk. Ensure your investment strategy aligns with your risk tolerance and financial goals.
Diversification: Consider diversifying your investments across different asset classes and mutual fund categories to reduce risk and optimize returns.
Review and Adjust: Regularly review your investment portfolio and adjust your contributions as needed to stay on track towards your goal.
Consulting with a Certified Financial Planner can provide personalized guidance based on your specific financial situation, risk tolerance, and investment objectives. They can help you develop a customized investment plan to achieve your target of 50 lakhs in the next 10 years.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Narendra - May 05, 2024Hindi

Money

Best large cap share

Ans: Choosing between individual large-cap shares and large-cap funds depends on various factors such as your risk tolerance, investment objectives, and the time you can devote to managing your investments. Here are some considerations for each:

Individual Large-Cap Shares:

Advantages: Investing in individual large-cap shares allows for more control over your portfolio and potential for higher returns if you pick the right stocks.
Risks: Individual stock investing carries higher risks, as the performance of your investment depends solely on the performance of that particular company.
Time Commitment: Requires ongoing research and monitoring of individual companies, which can be time-consuming.
Large-Cap Funds:

Advantages: Large-cap funds offer instant diversification across multiple large-cap companies, reducing individual stock risk.
Risks: While large-cap funds are generally less volatile than mid or small-cap funds, they are still subject to market fluctuations and fund manager performance.
Time Commitment: Requires less time and effort compared to managing individual stocks, as professional fund managers handle portfolio selection and rebalancing.
Ultimately, the decision between individual large-cap shares and large-cap funds depends on your investment style, preferences, and expertise. If you're comfortable with stock analysis and have the time to manage your portfolio, individual shares can be a viable option. However, if you prefer a hands-off approach and seek diversified exposure to large-cap stocks, large-cap funds may be more suitable.

Consider consulting with a Certified Financial Planner to assess your financial goals, risk tolerance, and investment strategy before making a decision. They can provide personalized advice based on your individual circumstances and help you build a portfolio that aligns with your objectives.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Asked by Anonymous - May 05, 2024Hindi

Money

Hello, I am 34 earning 3 lacs per month. I have been investing in Mutual funds from past 7 years and from pass 3 years I have reached and investing 1.6 lacs per month in Mutual funds. In next 10 years I want to have an automatic income of about 3 lacs per month. Can you advise how is it possible. I am investing in Mirae emerging asset, DSP, axis long term quity, parag pariek flexi cap, HDFC mic cap, HDFC Top 100, Nippon, SBi (small cap) Please advise the mutual fund I should invest and the amount to get an income of 3 lacs per month in next 7-10 years Also, i have bought a house for 1.5 cr. Have paid about 25 lacs from my investments already. Planning to pay about 70% as down payment in the next 3-4 years and 30 % loan. Is that a wise decision. Please advise

Ans: It's impressive to see your commitment to investing and your ambitious goal of generating a passive income of 3 lakhs per month in the next decade. With your current investment capacity and timeframe, achieving this target is feasible, but it requires careful planning and strategic allocation of your resources.

Given your investment horizon, you might consider a combination of growth-oriented and income-oriented mutual funds. Growth-oriented funds can provide capital appreciation over time, while income-oriented funds can generate regular dividends or interest payments.

To meet your income goal, you'll need to accumulate a significant corpus that can generate a sustainable monthly income. Based on your current investments and savings rate, you may need to increase your monthly investment amount and consider higher-returning investment avenues.

Regarding your mutual fund portfolio, it's essential to ensure diversification and align your investments with your risk tolerance and financial goals. Consider consulting with a Certified Financial Planner to tailor your portfolio to meet your income objectives while managing risk effectively.

Regarding your property investment, using a combination of your savings and a home loan for the down payment seems like a prudent approach, as it reduces your debt burden while leveraging your existing assets. However, assess your cash flow and future income prospects to ensure you can comfortably manage the loan obligations.

Overall, achieving your financial goals requires a holistic approach, considering both investment strategies and asset allocation. Stay focused on your long-term objectives, and seek professional guidance to optimize your investment plan and real estate decisions. With discipline and careful planning, you can work towards building a robust financial future.

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Kaustubh - May 05, 2024Hindi

Money

Hello. I am 41 years old and I am planning to open my own small business of food outlet as I was in same industry in next 1 month after planning of 1.5 years. Currently I have below savings. 4,00,000/- in NPS adding 5,000 each month. 6,00,000/- in PPF adding 5,000 each month. I have below SIP. Franklin India tax shield growth. Investment is 10,70,000/- and gain is 51,21700/- 5000 SIP. HDFC Defense fund regular growth. Investment is 33,000/- and gain is 15,538/- 3000 SIP HDFC Flexi Cap Fund Direct growth. Investment is 5,48,000/- and gain is 11,70,600/- 4000 SIP And also invested in below mutual funds as lumpsum. Aditya Birla sunlife Equity Hybrid fund growth. AXIS small cap fund regular growth HDFC Balanced Advantage Fund direct growth HDFC Midcap opportunities fund regular growth HDFC NIFTY200 momentum index fund growth HDFC small cap fund direct growth HDFC top 100 fund direct growth ICICI Prudential Bluechip Fund Growth Motilal Oswal large and mid cap fund growth Motilal Oswal small cap fund regular growth Nippon India multi cap fund retail plan growth Nippon India small cap fund growth Quant small cap fund regular growth SBI contra fund growth UTI MNC fund growth. Total Investment is 21,50,000/- and gain is 16,70,000/- which was reinvested as tax-harvesting in same mutual funds. Since my age of 25 I have started investing 10,000/- in NSC And after maturing after 5 years add 15,000/- and make it round figure value in and then some same thing in my years of 35 to 40 years. Invested 25,000/- and made round five and invested in NSC. I get maturity of NSC on 1st of every month now. I have 10,00,000 as emergency fund kept in FDs in bank. And I have also invested if Rs. 12,00,000 in shares from which gain is of 6,00,000/ Investmentv in physical gold is 3,50,000/- from which gain is 35,00,000/- Investment in physical silver is 75,000/- from which gain is 3,50,000/- ULIP investment is 1,50,000/- and gain is 2,70,000/- My monthly income is NIL. And my expenses exceeds no more than 50,000/- which includes SIP investment and PPF and NPS investments. I have my own home which costs 95,00,000/- and 18 years of EMIs are pending which my wife is paying pending amount as we divide everything in home. I have 7 years old son who is studying in school I want suggestion that can I retire now or should I start getting along with small business. As if I stay back home it will be very hard for me coz previously I used to work for more than 12 to 14 hours daily. Also do let me know if I need to change anything in my investment.

Ans: Congratulations on your diligent savings and investment journey! Your detailed financial portfolio reflects years of disciplined planning and prudent decision-making. It's impressive how you've diversified across various asset classes, including mutual funds, NSC, real estate, and precious metals.

Regarding your plan to start a small food outlet business, it's essential to assess your financial situation and risk appetite carefully. While your investments provide a strong financial cushion, transitioning to entrepreneurship requires thorough consideration of cash flow requirements, business risks, and potential returns.

Given your history of hard work and dedication, pursuing your entrepreneurial dream seems feasible. However, ensure you have a robust business plan in place, including financial projections and contingency measures. Additionally, consider consulting with a business advisor or mentor to validate your business idea and strategy.

Regarding your investments, your portfolio appears well-diversified, but it's always prudent to periodically review and rebalance based on changing market conditions and personal goals. Consider consulting with a Certified Financial Planner to ensure your investment strategy aligns with your long-term objectives, including retirement planning and your son's education.

Remember, entrepreneurship entails both opportunities and challenges, so proceed with careful planning and realistic expectations. Your determination and financial discipline will likely serve you well in this new endeavor. Wishing you success in your entrepreneurial journey!

Ramalingam Kalirajan |1381 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 05, 2024

Question by Rajesh - May 05, 2024Hindi

Money

Hi Sir, My name is Rajesh 40 years old. Below is my mutual fund investment per month. I have mutual fund investment in Icici prudential sp bse sensex Index fund direct plan 5.5k, quant mid cap direct plan - 4k, nippon india small cap direct plan - 3.5k, parag parikh flexi cap direct plan -4k, icici prudential US bluechip equity direct plan-4k, sbi gold direct plan- 2k, kindly suggest if this is good portfolio for long term. Can I add debt or hybrid fund to this. or can I remove or add mutual fund. Pls suggest.

Ans: Hi Rajesh,

Your portfolio shows a great mix of funds, showcasing diversity across various market segments and geographies. It's commendable how you've spread your investments, indicating a thoughtful approach to long-term wealth creation.

Adding debt or hybrid funds can indeed provide stability and balance to your portfolio, especially during volatile market conditions. As a Certified Financial Planner, I'd recommend considering these options to further diversify and mitigate risk.

Regular plans, facilitated by a professional Mutual Fund Distributor (MFD), could offer benefits like personalized advice and ongoing portfolio management. This guidance ensures your investments align with your financial goals and risk tolerance, potentially enhancing returns over time.

Reviewing your portfolio periodically is crucial to ensure it remains aligned with your financial objectives and market conditions. Keep up the consistent savings habit and stay invested for the long term. Your disciplined approach will likely yield fruitful results in the future.

Remember, investing is a journey, and it's essential to stay patient and focused on your goals. If you ever have any doubts or need assistance, don't hesitate to reach out to a Certified Financial Planner for guidance and support. Keep up the good work!

Mayank Chandel |464 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Apr 03, 2024Hindi

Career

My brother initially enrolled in a dummy school in Kota, Rajasthan, for his 11th-grade as he prepared for IIT entrance exam, but had to leave due to illness. Now, he wants to transfer from the dummy school to a regular school for his 12th-grade studies, but it has to be a different school. Since he has already registered for 11th grade, what steps should we take to facilitate this transfer?

Ans: Hi,
is moving out of KOTA?
He can change school to regular school by changing the admission to different city.

Mayank Chandel |464 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Oct 02, 2023Hindi

Career

Sir I am btech Industrial and production engineering student at NIT JALANDHAR. I am preparing for GATE CSE. is it a good option????

Ans: Hi, extremely sorry for late response.
you can definitely go for it.

Mayank Chandel |464 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on May 05, 2024

Asked by Anonymous - Oct 05, 2023Hindi

Career

Im a student who just finished class 12th this year, and i join coaching to prepare myself for neet, but I was not doing well on class 11th and 12th due to the pendamic. So, this coaching is very tough for me. I got very low mark in every test. So, is their by any chances for me in mbbs college on 2024

Ans: Hi,
extremely sorry for late response. You can explore MBBS abroad, you just need to qualify NEET. We can discuss things further in person.

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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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