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Ravi

Ravi Mittal  |543 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 27, 2025

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Jan 27, 2025
Relationship

My girlfriend friend dated my closest friend..she was true and my friend used her for 2months and kissed one time and got brokeup with her ..Is it okay to marry a girl who got played by my closest friend

Ans: Dear Anonymous,
I am confused- do you want to marry her now? If so, what about your girlfriend? I need a bit more clarity to help you farther.

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Ravi

Ravi Mittal  |543 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 03, 2023

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Relationship
I have a girlfriend.. And i proposed a girl for fun i dont have any feelings on her.. Shes my friend and even she knows we are in a relation.. And another.. My girl has some issues with her friends.. They were planning to beat.. Or scold then i stood beside.. Not let them to hit but daid to speak to her.. She got insulted there.. Now my girlfriend broke up saying these reasons.. What should i do ?
Ans: Dear Srujan,

Your intentions might not be tainted but put yourself in your girlfriend's shoes, and don't think from your perspective. Think of hers. You might have been okay if the roles were reversed, but can't say the same for most people. Jealousy is a green-eyed monster, but for some instances, it is justified; not right, but understandable. You proposing to another girl might have been a joke for you, but it hurt your GF. The only thing you can do here is to explain the situation and apologize for making her feel this way, even though it wasn't your intention.

For your second issue, I'd say it was good thinking on your part not to get too involved and yet be there for your girlfriend and stop her friends from resorting to violence. If that has insulted your partner, you can try clarifying your intent, and if she still does not want to pay heed to your side of the story, you don't owe her any more explanation for this particular issue.

If you don't have trust and understanding in your relationship, it's a losing battle, no matter how much you both try to hold on to it. An honest and level-headed discussion is the only thing that can save your relationship at this point.

Best wishes!

..Read more

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Ramalingam

Ramalingam Kalirajan  |8086 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 09, 2025

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Money
Hi Sir, I am currently investing in the following mutual funds for my retirement and my daughter's higher education. Please advise whether I should continue with these funds or make any changes. Self (44 yrs) - For retirement at the age of 52 years ICICI Prudential Equity & Debt Fund - Direct Plan - Growth - 1000/- Mirae Asset Emerging Bluechip Fund - Direct Plan Growth - 1000/- ICICI Prudential Bluechip Fund - Direct Plan - Growth - 1000/- SBI Equity Hybrid Fund - Direct Plan - Growth - 1000/- Nippon India SMALL CAP FUND - DIRECT GROWTH PLAN - 1500/- SBI Small Cap Fund-Direct-Growth - 1500/- Parag Parikh Flexi Cap Fund-Direct-Growth - 3000/- Axis midcap fund - Direct - Growth - 1000/- HDFC Defense Fund - Direct Growth - 3000/- Total = 14000/- Daughter1 ( 10 years - for her higher studies) HDFC Mid-Cap Opportunities Fund - Direct Plan - Growth - 1000/- Tata Equity P/E Fund Direct Plan - Growth - 1000/- SBI Gold Fund - Direct Plan - Growth - 1000/- Edelweiss Small Cap Fund - Direct Plan - Growth - 1000/- SBI Equity Index Direct - Growth - 1000/- Total = 5000/- Daughter2 ( 5 years - for her higher studies) ICICI Prudential US Blue chip Equity Fund - Direct Plan - Growth - 1000/- Axis Blue chip Fund - Direct Plan - Growth - 500/- Axis Mid Cap Fund - Direct Growth - 500/- SBI Flexi Cap Fund Direct Plan - 500/- Axis Small Cap Fund Direct Growth - 500/- HDFC Index Fund - Sensex - Direct Plan - 500/- HDFC Hybrid Equity Fund - Direct Plan - Growth - 500/- HDFC Gold Fund - Direct - Growth - 1000/- Total = 5000/-
Ans: You have a structured approach to investing. You are planning for retirement and your daughters' higher education.

A well-diversified portfolio helps in risk management and long-term growth. Let’s evaluate your current investments.

Retirement Portfolio Review
You are 44 years old and plan to retire at 52.

Your monthly SIP is Rs 14,000.

Your portfolio has large-cap, mid-cap, small-cap, hybrid, and thematic funds.

Positives
You have exposure to all market segments.

You are investing in equity for long-term growth.

You have a mix of aggressive and stable funds.

Areas of Improvement
Too many funds increase complexity.

Small-cap exposure is high, increasing risk.

Thematic funds may not align with retirement goals.

Recommendations
Reduce small-cap fund exposure for stability.

Consider increasing large-cap and hybrid allocation.

Thematic funds are unpredictable; review their role in your portfolio.

Higher Education Portfolio Review
Your elder daughter is 10 years old.

Your younger daughter is 5 years old.

You are investing Rs 5,000 per month for each child.

Positives
You are saving early, giving your investments time to grow.

You have diversified across equity, gold, and international markets.

Areas of Improvement
Gold funds do not generate high returns over time.

Index funds have limitations and do not adjust to market conditions.

Too many funds reduce portfolio efficiency.

Recommendations
Reduce gold fund exposure and increase equity allocation.

Replace index funds with actively managed funds.

Keep a balance between large-cap and mid-cap funds.

Final Insights
Your investment approach is disciplined and future-focused.

Reducing unnecessary funds will simplify your portfolio.

A balanced mix of large-cap, mid-cap, and hybrid funds will provide stability.

Regular reviews with a Certified Financial Planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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