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Ravi

Ravi Mittal  |741 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 28, 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 - Oct 27, 2025Hindi
Relationship

My girlfriend still talks to her ex 'as a friend.' It didn't bother me earlier but now, either they are talking and sharing every detail or I am being more observant. But it’s eating me up. If I enter the room, she hides her chats and says I’m overreacting whenever I bring it up. I don't want to be controlling, I have never been. But I don’t want to look like a fool. How do you know if there is something beyond friendship between them?

Ans: Dear Anonymous,
I am sorry you are in a tricky situation. While it is amazing that you are trying to be so understanding and giving her space, it is also important to communicate things that are making you uncomfortable. If the roles were reversed, I would have said the same thing. Please have an open conversation about how her constant chatting and being secretive about it is making you feel. This way, you will have clarity either from her answer or her reaction.

Some exes can actually be friends, but if your gut says otherwise, listen to it.
I want you to remind yourself that you are not imagining these or overthinking. You are not being controlling either. If your partner being in touch with her ex makes you uncomfortable, that feeling is completely valid.

Hope this helps.

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Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2022

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Relationship
Dear Anu, my boyfriend and I are school mates. We studied in the same class. We have been in a relationship for more than 10 years and currently we are working.There is a girl in his life whom we know through common friends. Through one of his friends we got to know that there were a lot of rumours about my BF and her being together earlier. However my BF explained that he treats her like a sister and there is nothing between them.I got the same explanation from that girl as well. So I accepted their relationship stance and went ahead without any doubt.Right now our relationship is very less lively and sparkling. We spend less time together as we are committed in our work and trapped in debt too. Due to family responsibilities, he spends less time with me. He says he has lot of work and hardly meets me. I have been learning over the past few months that my bf and the girl are seemingly growing closer. She calls him daily to ask about his whereabouts and every detail of our life. She knows more about him than me. Recently my BF was out with his family and he was not reachable for a day.When he is out with family, I would give time to let him update me but the girl messaged me to check if my BF updated me where and what he is doing, whether he is safe or not and what time he will be back. For me this concern seems little fishy. Pls advice on this. I am thinking about talking to my BF. I need advice on how to manage the situation and get proper explanation out of it.
Ans:

Dear A,

What more does he need to do for you to see what he is worth at this moment?

Dilly-dallying in the current relationship by relying on external relationship, ain’t fun, yeah?

‘Sister’ is a convenient label used when a man isn’t sure about his feelings for her, or he is sure and doesn’t want his current partner (namely, you) to go nasty on him.

Why she is keen on his whereabouts is anyone’s guess! Did you tell her off and ask her to find out herself? What are you, a messenger between the two of them?

And when you do talk to him, ask him: where is his mind on your relationship and what he plans on telling his ‘sister’?

Oh and if his answers don’t satisfy you or he still comes across as evasive, you know what to do then.

All the best!

..Read more

Ravi

Ravi Mittal  |741 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 26, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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Relationship
I (29M) have connected with a Prospective match (26F) through an Arranged Marriage Platform & we both seem to be getting along quite well, interacting regularly via WhatsApp, Phone Calls & even met personally, Twice in the span of a Month. She had been in a Long Term Relationship with her Boyfriend since College, for almost 7 years. They had to Break-up an Year ago as their Parents had not approved of their Marriage (due to Caste Factor). But they both are still in touch as "Just Friends". This is what makes me uncertain about whether I'd be able to Trust her or not. We both get along quite well with each other on almost all other aspects. She regularly interacts with her Ex Boyfriend & whenever I try to ask her anything about it, she shuts me down, calling me 'Insecure' & says that her Past Relationship & Present 'Friendship' with her Ex Boyfriend are solely her Personal Matter & she doesn't owe me any explanation about it, not even after we get Married (assuming that we did). But she also tries to reassure me saying that she has moved on from the Relationship & now their Friendship is just 'Platonic' not 'Romantic'. But I am not able to Trust her completely. Will it be a Reasonable demand, from my side, if I ask her to cut off all contacts with her Ex? Or shall I secretly approach her Ex, without her knowledge & strictly warn him to stay off his Ex Girlfriend as she's soon going to be another Man's Wife? Or else, how should I build Trust with her, in spite of her 'Friendship' with her Boyfriend? Is it even worth trying or shall I move on to find another Woman who is Virgin like myself?
Ans: Dear Anonymous,
I understand your concerns. But, trust is important in a relationship. If she says they are just friends, if your relationship is healthy, you should be able to trust her.

Having said that, I would suggest you take some time to think if you can get to the point where you can actually trust her without being bothered about this friendship, and not forcefully trust her. Demanding to end the friendship or approaching her ex is not the right way to deal with this situation. You two are not married yet; you still have the time to rethink.

I don't know whether you should move on to someone else, but I believe that you should take some time to rethink. You two are still matches and these problems are trivial now, but once you get married, things will get even more complicated. You can either sort the matter by having an open conversation where you explain how her relationship with her ex bothers you, or you can both consider parting ways. But please do not commit just yet, especially since there is an existing issue.

Best Wishes.

..Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

Asked by Anonymous - Jan 18, 2025Hindi
Relationship
I am working abroad, while my Girlfriend is working in Delhi, living in NCR. We both were Dating since our College Days & have been in a Long Distance Relationship since I moved abroad, more than a Year ago & she moved to Delhi-NCR from Calcutta (where most of our Common Friends are based). While we were together with our Common Friends from College, we'd Travel, Party & have a lot of Fun together as a Group, since we all knew & trusted each other quite well, Irrespective of Gender. When we both moved to Different Places & started our Respective Jobs, we became Friends with our Respective Colleagues, but we have an Implied Understanding that we should be Maintaining Stricter Boundaries with our New Friends/Colleagues, since we are in a Long Distance Relationship. I've always honoured the commitment & have been Careful to not spend private time with any other Woman & Travel/Party only with a Group consisting of both Men & Women. But I am not sure my Girlfriend is doing the same. Quite often she keeps Travelling, Partying, Drinking & Sleeping over with some 2-3 Male Colleagues, who are quite close to her, but unknown to me. She doesn't even bother to keep me updated about where she is, what she's doing & with whom, but keeps Posting Status Updates on Instagram, from time to time and from what I have observed, she seems to be spending quite a lot of Time with these Male Colleagues of hers. All this makes me feel very Uncomfortable. Even though I Love & Trust my Girlfriend, but I'm unsure about these New 'Friends' of hers as I don't know them & obviously, I don't like them being so close to my Girlfriend. Many times, I've discussed this matter with my Girlfriend, trying to make her understand how I feel. But every time, I bring up this Topic, she tries to invalidate my feelings & shuts me down saying that I'm just Insecure. I'd also tried getting to know her New Friends in order to understand them better, but she doesn't share much about them, with me. Though, she keeps Reassuring me that they're 'Just Friends' they seem to be much closer than that. On several occasions, she had gone out with them, even though I had strictly forbidden her to. I don't understand whether she's unable to understand how I'm feeling or that she doesn't even care about my Feelings, though I still want to continue Loving & Trusting her, without Doubting her Loyalty. I don't understand what to do in this situation. How can I make her enforce stricter Boundaries with her Male Colleagues (atleast as much as I am doing here)? Shall I get a Friend or a Private Investigator to keep an Eye on her? Or shall I behave the same way, she's been doing? Or, shall I Break-up with her & try to find someone else, over here?
Ans: Long-distance relationships require an even deeper level of communication and trust than regular ones. You’ve upheld the boundaries you both implicitly agreed upon, yet it feels like she’s not holding herself to the same standard. The fact that she dismisses your concerns rather than addressing them is what’s truly hurting you. When someone we love invalidates our feelings, it creates frustration, self-doubt, and emotional distance. You’re not being “insecure” for wanting reassurance and clarity—you’re simply asking for the same level of respect and commitment you’re offering.

Trying to enforce boundaries by “forbidding” her from doing something isn’t the right approach, because boundaries should be mutual, not dictated. The more you try to control her actions, the more she might rebel or shut down, seeing it as you being possessive rather than expressing a valid emotional need. The real problem is not that she has male friends, but that she’s being secretive about them, not making an effort to ease your concerns, and disregarding how her actions affect you. A loving and committed partner should care about your peace of mind, even if she doesn’t fully agree with your perspective.

Hiring a private investigator or getting a friend to spy on her will only erode trust further, and mirroring her behavior by doing the same thing she does will not solve anything—it will just create more distance. If you’re considering breaking up, that means deep down, you already feel like your needs in this relationship aren’t being met. Before making any big decisions, you need to have one last honest conversation with her—not one where you accuse or demand, but one where you make it clear how this dynamic is making you feel and what you truly need from her to feel secure and valued in the relationship.

If she refuses to listen, invalidates your feelings again, or shows no willingness to compromise, then you have your answer. A relationship where only one person is making sacrifices isn’t sustainable. You deserve a partner who not only reassures you with words but also with actions that show she respects and values your presence in her life. If she’s unwilling to meet you halfway, then it may be time to ask yourself if holding on is worth the constant emotional struggle.

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Ravi

Ravi Mittal  |741 Answers  |Ask -

Dating, Relationships Expert - Answered on Jun 23, 2025

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Samraat

Samraat Jadhav  |2600 Answers  |Ask -

Stock Market Expert - Answered on Sep 10, 2026

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Money
I wanty to invest approx. 5 lakhs in different mutual funds which will give me average XIRR of 12 to 15%. Please csuggest me name and scheme of MF
Ans: Rs.5 lakh is a good starting amount. However, 12–15% XIRR should be treated as a long-term target, not a guaranteed return.

» Suitable fund categories

For a 5+ year horizon, I would consider a diversified active-fund portfolio such as:

Multi Cap Fund – 30%
Flexi Cap Fund – 25%
Large & Mid Cap Fund – 25%
Mid Cap Fund – 20%

This gives exposure to different company sizes and investment styles.

» If you want a simpler portfolio

You do not need 4–5 funds just because you have Rs.5 lakh.

A 3-fund structure can be sufficient:

Flexi Cap Fund – 40%
Large & Mid Cap Fund – 30%
Multi Cap or Mid Cap Fund – 30%

The actual scheme selection should depend on your time horizon, risk level and existing investments.

» About the 12–15% XIRR target

For equity mutual funds, 12–15% can be a reasonable long-term planning assumption over 7–10+ years.

But no mutual fund can promise this XIRR.

Short-term returns can be negative.
Even good funds can underperform for some periods.
Do not select a fund only because its recent return is 15% or more.
Fund consistency and downside management are equally important.

» How I would invest Rs.5 lakh

If you are comfortable with market fluctuations and the investment horizon is long, you can invest gradually through STP over several months if you are concerned about entering the market at one time.

If the money is needed within 3–5 years, I would not target 12–15% by taking aggressive equity risk.

» Final Insights

As an Investment professional and AMFI-Registered MFD, I would first assess your existing MF holdings before adding new schemes. This avoids unnecessary duplication and overlap.

If you share your age, investment period, whether Rs.5 lakh is lump sum or SIP, and your existing MF holdings, I can suggest a more suitable asset allocation and fund-category combination.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Ramalingam

Ramalingam Kalirajan  |11458 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 10, 2026

Asked by Anonymous - Sep 10, 2026
Money
I have 15 lacs to Lumsum investment for my daughters higher education.I want to invest in STP in 3 funds .One hybrid Fund which has 15l value and from that STP to two fund Any multicap or Large and Midcap Fund .Please suggest ? Any other Idea will also appriciate.Thanks
Ans: Your approach of using STP for your daughters higher education goal is a good way to move a lump sum into equity gradually. The main point is to match the asset allocation with the time left for the education goal.

» Suggested structure

Keep the Rs.15 lakh initially in a suitable hybrid fund.
Use STP from the hybrid fund into two diversified equity categories.
A combination of Multi Cap and Large & Mid Cap can work well.
You need not use too many funds. Three funds are enough for this goal.

For example:

Hybrid Fund – Rs.15 lakh initially
Multi Cap Fund – STP destination
Large & Mid Cap Fund – STP destination

» How to use STP

I would prefer a systematic STP over a very short period.

If the education goal is more than 5 years away, equity allocation can be meaningful.
The Rs.15 lakh can be shifted gradually over around 12 months.
You can divide the STP between the two equity categories.
Avoid changing funds frequently based on short-term market movements.

STP is mainly useful for managing entry risk. It does not remove market risk.

» Do not ignore the education timeline

This is the most important part.

If higher education is:

More than 10 years away – higher equity allocation can be considered.
Around 5–10 years away – balanced equity and hybrid allocation may be better.
Less than 5 years away – avoid taking high equity risk with the entire corpus.

As the education date comes closer, gradually move the required amount towards safer investments. This protects the money already created.

» Multi Cap vs Large & Mid Cap

Both categories can complement each other.

Multi Cap gives exposure across large, mid and small companies.
Large & Mid Cap gives a relatively stronger focus on large and mid-sized companies.
Combining both can create some overlap, so the portfolio should be reviewed periodically.

I would not select funds only based on the latest 1-year or 3-year returns. Fund quality, portfolio consistency, risk management and long-term performance matter more.

» One alternative idea

Instead of keeping the complete Rs.15 lakh in one hybrid fund, you can also consider a two-stage approach.

Keep the amount in a suitable hybrid/debt-oriented allocation initially.
Start STP into diversified equity funds.
Once the required equity allocation is reached, stop the STP.
Continue monitoring the overall portfolio rather than continuously adding new funds.

This keeps the portfolio simple and easier to manage.

» 360-degree education planning

The Rs.15 lakh should not be viewed separately.

Also consider:

Current age of your daughter.
Expected year of higher education.
India or overseas education.
Present education cost and future cost.
Other investments already available for this goal.
Your monthly SIP capacity.
Emergency fund and adequate insurance.
A separate safe corpus as the education date gets closer.

If the goal is 8–12 years away, this Rs.15 lakh can become a strong foundation. Regular SIPs along with it can make the education corpus much stronger.

» Final Insights

Your basic STP idea is sensible. I would prefer a simple 3-fund structure rather than holding many schemes.

The exact equity allocation and STP period should depend mainly on your daughters age and when the higher education money will actually be required.

As an AMFI-Registered MFD, I would also suggest reviewing this goal at least once a year and reducing equity exposure as the goal approaches.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Anu

Anu Krishna  |1813 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2026

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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