Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Shalini

Shalini Singh  |64 Answers  |Ask -

Dating Coach - Answered on Apr 15, 2024

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
... more
Asked by Anonymous - Apr 15, 2024Hindi
Listen
Relationship

Am a female age 27 with stable job met a guy through online platform age 37,he is always trying to control me and humiliating me always but sometimes he is very caring but he is not interested to talk about future planning. Now I dont know whether to move forward with this relationship or should I leave it very much confused.?

Ans: There is so much going on in what you have written...you say he is caring but you have also written he is controlling, humiliating. Now for a minute keep yourself out of this situation and assume that you friend comes to you saying, I like this man who is caring but humiliates me. I think most likely your response to your friend would be requesting her to rethink of what she is entering into, because those who care do not humiliate.

Based on what you have shared that you wish to have a conversation around long term and he does not shows misalignment on expectations.

You are an adult, professionally qualified and know what sort of a relationship you want - if what you have works for then you have it, but if it does not then take a pause and have a rethink. It is possible when you take a pause, the possible partner will also get time to reflect - if it works for both you get back or else search for someone who you can be compatible with.

You may like to see similar questions and answers below

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

Listen
Relationship
Hi Anu, my story is quite big. I am 43 and I love a man of my caste who is 52. He is not married and my father had showed me his profile in 2006 for marriage. Those days I was not interested in marriage and so I rejected him. I saw his profile in March 2019 in matrimony and sent him interest and he gave me a reply. I fell in love with his profile in 2020 and further gave him reply on his mobile. I went to see him in Pune in 2020 October. Since then we have only been chatting on WhatsApp. When I asked for commitment in Feb 2021, he said his sister is not keeping well. Then he lost his father in August 2021. Earlier in 2020 he used to call me and we used to talk for hours. It all stopped in 2021 February when his sister fell sick. Now I stopped messaging him but he still keeps sending me some or other forwards. He says he wants to marry me (He said this Jan last year when I asked him if he is interested in marriage) but this year has been tough. I am really fed up of the delay. I still love him very much. He is very intelligent and professionally qualified and has good hobbies -- he is a Himalayan trekker and has sent me pics of his trek. He also encourages me to do many things but I am bored of the delay. Should I trust him and wait for him?
Ans:

Dear VG,

It looks likely that when you sent him your interest request, your feelings were from 2006. But hey, everyone has grown older and wiser since then.

Also, to expect him to have the same level of interest that you have, isn’t wise as he has led a different life to yours.

What happens is when we start our lives together when we are younger, we merge on a lot of ideals and thoughts.

When the same marriage/companionship/relationship happens when we are older, having had separate experiences and a different life, we might not have much in common in terms of thoughts and way of being in life.

Given that, have an honest chat with him face to face, and express what you want out of this connection.

Give him time to process his own life, his needs, his wants, his priorities and then get back to you.

If he is clearly not into this, no point waiting for him and tugging at your heart strings.

So the only way that I feel is to have a mature face to face talk where both of you have space to be assertive and communicate boldly. It will help both of you to decide what’s best.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

Listen
Relationship
 Hi Anu Ji,I am in a relationship with a guy from one year who is from a different state and different background. I am from north and he is from South. As of now the relationship is perfect when we both are together but I am stressed about my future as this guy had warned me that future is very difficult due to family issues and all. Our relationship also started on a very different note. We were close friends for a few years and then got close over a few incidents. I have gone out all the way to put my efforts in the relation because it looked picture perfect what I was creating. He has given me no promises of the future telling things are very different in our state. Earlier he used to ask me to be casual, but both of us know that my nature is not casual, he has apologised also feeling that he is wasting my time.He also asked if I want to look for a proper marriage partner.. all his words show this and makes me scared that in future we will be separated.On the contrary his actions are so sweet and romantic. Multiple times I thought I should think straight and leave but I guess I am too attached and so is he.My parents keep on pushing for rishtas as I am in prime age to be married, and I am only delaying this because of this guy, what should I do? Why are his actions and words not in sync. I have also informed my parents about him. If he is not willing to take it forward he should leave me and go na. Why should I initiate any breakup when I like my life with him.Help me with ways to talk sense into this guy so that he has courage to take us up at his home and family.Any guidance will be helpful. Please keep it anonymous.
Ans:

Dear SS,

When his words and actions are not in sync, what exactly are you pushing for?

Are you hoping for him to see things your way? He seems to have made it clear that he wants this to be casual.

It could be one of two things:
1. He isn’t ready for a commitment as of now
2. He isn’t ready to stir the hornet’s nest back at home and face the music

Either case, this is holding you up and your movement in life. Why do that?

Ask yourself:

  • How long do I want to wait for a strong commitment from him? After which, you most certainly must move ahead
  • Will he ever be able to convince his parents of this relationship? Now, if it’s a NO, you know what to do
  • How fair is it to keep my life on hold for him? – If it’s a NO, check what is this hold up costing you this very moment

Please have an honest discussion with him on how this is affecting you and what you exactly want.

Take a call based on his responses and his involvement in the discussion that concerns the future of your relationship.

Best wishes and take charge NOW.

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 23, 2022

Listen
Relationship
Hi mam, I am a 19 years old girl. In 2019, after my 10th boards, I came across a guy in FB. He was 9 years older than me. He seemed to be a really nice and helping guy. And he also belonged from a prestigious university pursuing his research. After my 10th, I started preparing for entrance exams. So, he used to motivate me, give me validation, encourage me to do better in my mocks. It all happened online. I haven't even met this guy till date. At that time, he showed me the dream of targeting the best college of India of which I hadn't even thought of before. And I was also so motivated that I started studying hard. Besides, I started emotionally depending on him for validation. He is such a manipulating guy, that slowly I started falling in love with him. He told me that we should wait and see what the time decides. But, slowly he showed his real colours. He was just interested in 'friends with benefits' type of relationship with me. I strongly disagreed on it. Then days and months passed, his validation, manipulation, toxic and provocative words made me stand before an existential crisis. I used to cry out for the entire day. By 2020, during the lockdown phase, staying back at home, dealing with these sh***y things and exam pressure pushed me into depression. He made me insecure about every single thing... My academics, studies, results, my looks, my innocent nature, my previous success, my future.... every single thing. I eventually came to know he was just interested in sharing his life stories, getting an emotional support in his life, a good timepass element, hoping to get intimate with me someday. Moreover he was just interested in successful girls and ladies. So, all I thought at that period was that I have to succeed in my entrance exam at any cost and then everything will be alright.Unfortunately, I could not make it. I failed to qualify in my first attempt. I went into a severe depression, had to attend some online mental health rehab and counselling. To add salt to my wounds, the guy disclosed that he has been in a relationship since the past 1 year. And he is very happy. I broke down completely. For 5-6 months I could not study anything. I have an exam just round the corner. How can I just forget whatever happened and focus on my work? Please help and guide me... I am still having emotional breakdowns very frequently.
Ans:

Dear AI,

The nature of a virtual relationship can be the way that you have mentioned.

What is being shared virtually may not be reality and it is difficult to spot this.

Now that you know, isn’t it a lesson learned not to rely on anyone outside of you for your own happiness?

Did you have to study hard just so that you fit his choice of ‘successful’ women/girls?

Can you not work hard to live your dreams?

What you lack is self-love! Something that you didn’t focus on because you were working hard to prove how relevant you are in his life so that he chooses you.

Even if this relationship works, it will be his call always and other than strive hard to be in his life, there’s nothing that will grow in it.

Moreover, isn’t it a red flag when he revealed that he has been in a relationship for over a year?

Time to get back to yourself. Value yourself more, love yourself more…if you don’t, no one else will!

Start every morning doing these little things:

  • in gratitude for being alive
  • list down 3 things that you love about yourself
  • do one thing that you love at least for 15 minutes everyday
  • spend time in Nature
  • surround yourself with people that love you

These are tried and tested methods to get you out of a low phase.

Again, love yourself more and yet again!

All the best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Listen
Money
Myself and my spouse are working and have 2 kids -9 & 10 years. We are in our early 40 and acquired corpus of 3 cr. Corpus 2.3 crore is in EPF , PPF , Sukanya for both children and rest in NPS (75 % equity) and mutual fund. We have recently increased Mutual fund investment after our home loan finished and doing SIP in large and mid cap index funds for 450000 pm. As we have more in debt investment due to EPF and PPF investment, is it wise to increase MF at this age. We are investing 6 laks PA in PPf and Sukanya account and are confused whether to reduce this amount and contribute more to MF. We have saving capacity of 15 lakhs per annum after our mandatory 12 % EPF contribution.
Ans: You've done an excellent job of building a substantial corpus for your family's future, and your commitment to both debt and equity investments is commendable. Let's delve into whether it's wise to increase your mutual fund (MF) investments at this stage and whether to adjust your contributions to PPF and Sukanya accounts:

Assess Your Financial Goals: Consider your financial goals, time horizon, and risk tolerance when deciding on the allocation between debt and equity investments. While debt instruments like EPF, PPF, and Sukanya Samriddhi Yojana offer stability and tax benefits, equity investments through MFs provide growth potential over the long term.
Diversification is Key: It's important to maintain a diversified investment portfolio that balances risk and return. Given your substantial debt investments in EPF, PPF, and Sukanya accounts, increasing your exposure to equity through MFs can help diversify your portfolio and potentially enhance returns, especially considering your long investment horizon.
Evaluate Investment Horizon: At your age, you still have a significant investment horizon ahead of you, which allows you to benefit from the power of compounding and weather market fluctuations. Since equity investments tend to perform well over the long term, increasing your MF contributions can be a prudent strategy to capitalize on growth opportunities.
Review Your Financial Position: Assess your current financial position, including your income, expenses, and savings capacity, to determine if you have the flexibility to allocate more funds towards MF investments. Given your saving capacity of 15 lakhs per annum after EPF contributions, you may consider redirecting a portion of these savings towards MFs to achieve a balanced portfolio.
Consult a Financial Advisor: Consider consulting with a Certified Financial Planner to evaluate your investment strategy holistically. A financial advisor can help assess your risk profile, recommend suitable asset allocation, and tailor an investment plan aligned with your financial goals and aspirations.
Regularly Monitor and Adjust: Continuously monitor your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment objectives. Stay informed about investment opportunities and make informed decisions to optimize your portfolio's performance over time.
Ultimately, the decision to increase MF investments and adjust contributions to PPF and Sukanya accounts depends on your individual circumstances, goals, and risk appetite. By carefully evaluating these factors and seeking professional advice, you can make informed decisions to build a robust and diversified investment portfolio that serves your family's long-term financial well-being.

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 18, 2024Hindi
Listen
Money
I am 52,going to retire this year with a 2.5 cr corpus without any pension. Please advise me a good retirement plan for regular income. I am a moderate risk taker. Presently my monthly expenses are 70 k.
Ans: Given your impending retirement and moderate risk tolerance, it's crucial to create a retirement plan that provides a regular income stream while preserving your capital. Here's a suggested retirement plan tailored to your needs:

Systematic Withdrawal Plan (SWP): Set up a Systematic Withdrawal Plan from your remaining corpus to supplement your annuity income. Determine a withdrawal rate that meets your monthly expenses while ensuring your savings last throughout retirement. Opt for a conservative withdrawal rate to safeguard against market volatility.
Income-Oriented Mutual Funds: Allocate a portion of your corpus to income-oriented mutual funds or dividend-paying stocks. These investments can provide regular dividends or interest income, further augmenting your retirement income stream. Focus on funds with a track record of consistent payouts and stable returns.
Fixed Deposits and Bonds: Consider allocating a portion of your corpus to fixed deposits or bonds for stability and income generation. Choose investment-grade bonds or government securities to minimize credit risk. Opt for shorter maturity periods to maintain liquidity and flexibility.
Emergency Fund: Set aside a portion of your corpus as an emergency fund to cover unforeseen expenses or emergencies. Aim to maintain at least six to twelve months' worth of living expenses in a liquid and easily accessible account.
Regular Portfolio Reviews: Regularly review your retirement portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner to periodically assess your retirement plan and make adjustments as needed.
Health Insurance: Invest in comprehensive health insurance coverage to protect against medical expenses during retirement. As healthcare costs tend to rise with age, having adequate insurance coverage is essential to safeguard your retirement savings.
By implementing this retirement plan, you can enjoy a steady income stream while preserving your capital for the long term. Remember to prioritize financial security and peace of mind as you transition into retirement. Congratulations on reaching this milestone, and best wishes for a fulfilling retirement journey ahead!

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Listen
Money
Sir, Now I am 55 and started investing since last two years ago, due to family responsibilities. Now I am investing in (1) HDFC Midcap opportunities fund direct plan Rs 5000 (2) Mirae asset large cap and mid cap fund direct growth plan Rs 5000 (3) Nippon India Small Cap fund direct growth plan Rs 8000 (4) Parag Parikh flexicap fund RS 2000 per month. I will be remain invested for min 10 years. And retired with normal corpus. Not big. Please suggest for investment, Within Rs 20000- per month.
Ans: It's never too late to start investing, and it's admirable that you've taken this step towards securing your financial future, especially with family responsibilities and approaching retirement. Let's explore some suggestions for your investment within your budget of Rs 20,000 per month:

Diversify Your Portfolio: Your current portfolio already includes a mix of mid-cap, large-cap, small-cap, and flexi-cap funds, which is a good start. To further diversify, consider adding a balanced fund or a hybrid fund, which invests in a mix of equities and debt instruments. This can provide stability while still offering growth potential.
Consider Debt Investments: As you approach retirement, it's essential to balance your portfolio with debt investments to reduce overall risk. You can allocate a portion of your monthly investment towards debt funds or fixed-income instruments like PPF, RDs, or bonds. These investments offer steady returns and help preserve capital.
Evaluate Risk Tolerance: Given your age and investment horizon of at least 10 years, you can afford to take on some risk to achieve higher returns. However, it's crucial to assess your risk tolerance and ensure that your investment choices align with your comfort level.
Review and Rebalance Regularly: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Rebalance your portfolio if necessary, considering changes in your financial situation or investment objectives.
Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner or financial advisor who can provide personalized advice based on your specific needs and goals. They can help you create a customized investment plan and provide guidance on asset allocation, portfolio diversification, and risk management.
Stay Invested for the Long Term: Investing for retirement requires patience and discipline. Continue to invest regularly and stay committed to your long-term financial goals. Avoid making impulsive decisions based on short-term market fluctuations.
Remember, investing is a journey, and it's essential to remain focused on your goals while adapting to changing circumstances. With careful planning and prudent investment choices, you can build a secure financial future for yourself and your family. Keep up the good work, and best of luck on your investment journey!

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 18, 2024Hindi
Listen
Money
Hello I am 25 years and earning around 17k per month and I have sip of Axis small cap of rs 500 Nippon India small cap 1000 ICICI prudential technology 500 and PPF 500 till now I have around 1.2 lakhs in mutual fund and equity 70k please suggest me for long term wealth
Ans: It's great to see your proactive approach to investing at such a young age! Let's explore some suggestions for long-term wealth creation:

Continue SIPs: Your SIPs in Axis Small Cap, Nippon India Small Cap, and ICICI Prudential Technology are a good start. These funds offer exposure to different sectors, providing diversification and growth potential. Consider gradually increasing your SIP amounts as your income grows.
Explore Diversification: While small-cap and technology funds offer growth potential, consider diversifying your portfolio further. Look into investing in large-cap or multi-cap funds to balance risk and potential returns. A mix of different asset classes can enhance the stability and growth of your portfolio.
Utilize PPF: PPF is an excellent tool for long-term wealth accumulation, offering tax benefits and guaranteed returns. Continue contributing to your PPF account regularly to take advantage of its compounding effect over time. Aim to maximize your annual contributions within the prescribed limits.
Stay Invested for the Long Term: Investing is a long-term commitment, and patience is key to achieving wealth accumulation goals. Avoid frequent trading or reacting to short-term market fluctuations. Stay focused on your financial objectives and stick to your investment plan.
Educate Yourself: Take the time to learn about different investment options, risk management strategies, and personal finance concepts. Attend workshops, read books, or follow reputable financial blogs to enhance your knowledge and make informed decisions.
Emergency Fund: Building an emergency fund is crucial to protect yourself from unexpected expenses or income disruptions. Aim to set aside at least 3-6 months' worth of living expenses in a liquid and accessible account.
Review and Rebalance: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Rebalance your portfolio if needed, considering changes in market conditions or your personal circumstances.
Remember, investing for long-term wealth requires discipline, patience, and a well-thought-out strategy. Consult with a Certified Financial Planner to create a customized plan tailored to your goals and financial situation. Keep up the good work, and stay committed to your journey towards financial success!

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Listen
Money
Hi sir I'm doing SIP in 1.) uti nifty fifty direct - 2k ..2.) axis small cap direct- 2k...3.) canara robeco blue chip - 2k....4.) quantity mid cap direct - 3k...5.) navi Nasdaq 100 - 1k... Need to change or alter if any ?
Ans: Your current SIP portfolio consists of a diverse mix of funds covering various market segments, which is a good strategy for long-term growth.

it's essential to periodically review your investments to ensure they align with your financial goals, risk tolerance, and market conditions.

Consider consulting with a Certified Financial Planner or a professional Mutual Fund Distributor to get personalized advice tailored to your needs and objectives.

With careful monitoring and adjustments as needed, you're on track to build a robust investment portfolio for long-term wealth creation.

Investing through Regular Plans via a Certified Financial Planner's guidance offers several benefits for your financial journey.

Your commitment to SIPs is commendable, showcasing a disciplined approach towards wealth creation for the future.

Regular Plans through a professional Mutual Fund Distributor (MFD) provide personalized guidance and advice tailored to your needs.

MFDs have extensive experience and expertise in navigating the complexities of mutual fund investing, ensuring sound decisions.

They offer valuable insights into fund selection, considering factors like performance, risk, and suitability for your goals.

Moreover, MFDs provide ongoing support and assistance, helping you stay informed and make necessary adjustments to your portfolio.

Investing in Regular Plans through MFDs ensures access to a broader range of funds and investment options.

This diversification can help spread risk and optimize returns over the long term, enhancing the stability of your portfolio.

Additionally, MFDs assist in managing paperwork and administrative tasks associated with investing, making the process smoother for you.

Their guidance empowers you to make informed decisions aligned with your financial objectives and risk tolerance.

Remember, investing is a journey, and having a Certified Financial Planner by your side can make a significant difference.

They offer valuable advice, support, and encouragement, helping you navigate market fluctuations and stay focused on your goals.

With diligence and guidance, you're on track to achieve financial success and build a secure future for yourself and your loved ones.

Keep up the good work, and trust in the expertise of your Certified Financial Planner to guide you towards your goals.

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi
Listen
Money
Parag Parikh Flexi cap Fund
Ans: Parag Parikh Flexi Cap Fund is a well-regarded fund in the mutual fund industry. It's known for its unique approach to investing across various market segments.

The fund follows a flexible investment strategy, allowing it to invest in stocks across market capitalizations, including large-cap, mid-cap, and small-cap companies.

One of the standout features of Parag Parikh Flexi Cap Fund is its global diversification approach. The fund has the flexibility to invest a portion of its corpus in international equities, providing investors exposure to global markets and opportunities.

Additionally, the fund's focus on quality companies with sustainable business models and strong management teams is commendable. This approach aims to mitigate downside risk and generate consistent returns over the long term.

Parag Parikh Flexi Cap Fund has a track record of delivering competitive returns compared to its peers and benchmark indices. However, investors should note that past performance is not indicative of future results.

As with any investment, it's essential to assess your risk tolerance, investment objectives, and time horizon before investing in Parag Parikh Flexi Cap Fund or any mutual fund.

Consulting with a Certified Financial Planner can provide personalized advice and guidance tailored to your financial situation and goals.

Overall, Parag Parikh Flexi Cap Fund is a reputable option for investors seeking diversification, global exposure, and potential long-term growth in their investment portfolio.

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Listen
Money
I have been investing in mutual funds like Nippon large cap 8k , HDFC Mid cap opportunities 3k, Quant small cap 3k , Nippon India small cap 2k, Parag Parikh flexi cap 4k, Aditya Birla sun life PSU 2k, HDFC Balanced Advantage fund 2k , Nippon India credit risk (Debt Fund) 2k . Need some suggestions on the overall portfolio and if any further improvements can be done on debt Fund .
Ans: Your investment portfolio reflects a well-diversified approach across various segments of the market, which is commendable. Let's delve into some suggestions for optimizing your portfolio and enhancing the debt component.

Your allocation across large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds provides a good balance of growth potential and stability.

Consider evaluating the performance and consistency of each fund to ensure they align with your investment objectives and risk tolerance.

As for your debt fund, given the current economic environment, it's prudent to review your exposure to credit risk.

Consider diversifying your debt allocation by exploring options such as liquid funds or short-term debt funds, which offer lower credit risk and higher liquidity.

Additionally, assessing the expense ratio and credit quality of your current debt fund can help determine its suitability for your portfolio.

Pls consult a Certified Financial Planner to assist you in fine-tuning your portfolio to better align with your goals.

Regularly reviewing and rebalancing your portfolio ensures it remains optimized to weather market fluctuations and achieve long-term growth.

Remember, investing is a dynamic process, and adjustments may be necessary to adapt to changing market conditions and personal circumstances.

Keep up the good work with your investment journey, and feel free to reach out if you need further assistance or guidance. Your dedication to financial planning is truly commendable!

...Read more

Ramalingam

Ramalingam Kalirajan  |1465 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi
Listen
Money
Hello Sanjeev Sir, Hope you are in good health. I hve just started my investment through SIP in mutual fund . Would you plz advice me on my portfolio. Every month i invest 12k in the below funds . Canara Robeco small cap fund reg Edelweiss mid cap fund reg Hdfc focused 30 fund PGIM India mid cap opp fund SBI Contra fund Sundaram services fund . I have also recentky added Quant small cap fund growth regular plan SIP OF 3K . I want to invest another 10k in sip format plz suggest where should i invest.
Ans: It's fantastic to hear that you're diving into the world of investing through mutual funds. Let's discuss your portfolio and future investments.

Your current selection of funds shows a thoughtful approach to diversification across different segments of the market.

Adding a small-cap fund to your portfolio enhances diversification and potential for higher returns over the long term.

For your additional 10k investment, let's explore options that complement your existing holdings and align with your goals.

Large-cap funds offer stability and are ideal for investors seeking steady returns with lower risk.
Multi-cap funds provide flexibility across market segments, allowing you to capitalize on various opportunities.
It's important to consider your risk tolerance and investment horizon when selecting new funds for your portfolio.

Pls, consult a Certified Financial Planner to guide you every step of the way.

Remember, investing is a journey, and it's normal to have questions and uncertainties along the path.

Stay focused on your goals, and don't hesitate to reach out if you need assistance or advice.

With diligence and patience, you're on track to achieve your financial aspirations.

Keep up the excellent work, and remember that each investment you make brings you closer to your dreams.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x