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Anu

Anu Krishna  |1733 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 10, 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
yadnya Question by yadnya on Jun 05, 2023Hindi
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Relationship

Hi mam i give neet with partial drop three times i always wanted to be a doctor in my whole family my brother and sister get their desired colleges i am not jealous of them but i sometimes feel neglected then i worked hard on my dreams as at my third attempt as i give at three months before it my final exam of college of other subject start i can't even quit that because i fear my family disappointment then i didn't able to give my 100 fully that makes me satisfied i feel so depressed that i didn't have courage to check marks while everyone is celebrating their success i feel lost can't i feel complete one good dream for myself all my family support me to do whatever you want but i can't decide i feel like tragiec the faith all i have put in myself feel like useless i crave to be success do something for my own but i can't known that such thing occur unexpectedly i feel depressed and my family think i am just doing because to gain their attention ,i keep unnessary exceptions from me ,is it crime to keep big dream althought i worked hard but it didn't take outi feel like lost all how can I get up and achieve something feel proud of myself

Ans: Dear Yadnya,
Dream Big and never be afraid to Fail. Most often, we are told that failure is not an option. Failure when accepted as a part of life, then loses power over us.
1. Never become attached to the outcome so that fear does not play in your mind
2. Understand that We win some and Lose some and losing does not mean all is lost
3. Draw a clear plan to achieve your goal
4. Work on your state of mind for optimum performance
5. Develop hobbies outside of studies that can support you have a positive outlook on a daily basis
6. Family and friends are your best support system, so talk to them regularly about your challenges to enable them to support you

Smile and dream big again; tomorrow is another new day.

All the best!

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Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2023

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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.

..Read more

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Purshotam

Purshotam Lal  |67 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 14, 2025

Money
Sir, I would take your advice on my future planning, planninby 55 years. Below details, need your help I am 50 years old, having wife with two kids, daughter 14 years (class 8) and son 8 years (class 3) standard. Saving and investment till date: PPF (own and son account) Rs. 18.40 lakh, Sukanya (in my daughter name) RS. 5 lakh, Axis ELSS, Mirae ELSS, Quant ELSS Total Rs. 11.23 Lakh (combined), NPS Rs. 5.27 lakh, Paragh Parekh and UTI Flexi Cap Fund Rs. 5.30 lakh, Bandha Small Cap Rs. 5K, Direct Investment in equity Rs. 34.00 Lakh. Saving account balance Rs. 10 Lakh, Fol Bond 20 grams, Some ornament about 100 grams. One house (staying) value about Rs. 1 CR and one flat (vacant) value about Rs. 1 Cr. Home Loan outstanding Rs. 11.40 Lakh (EMI Rs. 25K), Insurance cover against Home loan EMI Rs. 1K Monthly Expenses about Rs. 1 Lakh PM. (including education and house hold expenses). Earning INR 2.5 Lakh PM. Wated to be reture by 55, can you please advice how to allocate my investment so that my earning can be generated Rs. 2 Lkah PM.
Ans: You are already on the right course to providing for your corpus for proposed retirement at your age 55. However you also need to provide for future marriages of your daughter & son, say at their age 25 i.e. after 11 years and 17 years respectively. Current cost of marriage of say Rs 25L may go-up at assumed inflation rate of 8% to Rs 58.29L & Rs 92.50L in 11 & 17 Years. At assumed ROI of 13% Equity MF SIP shall be required of Rs 16.5K, Rs 13.5K per month which will continue even after your proposed retirement age of 55. Additionally there seems to be scope for 70K PM Equity MF SIP for next 5 Years. On vacant flat you can assume rental income of say 35K per month. It is also assumed that investment in Sukanya Samriddhi will continue till her Marriage and shall be utilised for daughter's marriage expenses.

However with respect to your retirement plan at Age 55 years, at conservative return of 6% from annuity funds and rental incomes net of continuing MF SIP of Rs 30K, it is expected to generate around Rs 1 L PM at your age 55. Hence it is suggested not to retire by 55 as being proposed. Also please note that returns on MF, NPS & Direct Equities are linked to market performance and very volatile and are also subject to market, Interest rate risks etc. It is suggested to contact a Certified Financial Planner and/or Certified Financial Advisor for charting your path to retire peacefully. Goodluck.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

...Read more

Naveenn

Naveenn Kummar  |231 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Money
Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2025

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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