I had a relationship he cheated on me he took my virginity it's 7year relationship. Then I had a second relationship he also cheated me he need only sex . I trusted him that's why I'm okay to do that thing and he gave me promise that he only marry me i trusted his sweet words but he cheated me . Later I heard that he's a playboy. I feel like I'm useless. I truly loved them but their intentions was other stuffs. I'm a person who trust very easily but now I'm not . Will I get a future partner? If he knows my story will he leave me ? I'm not that bad person they cheated me I'm not like that . If I love someone I'll do anything for them .

Ans: It's wonderful to see your proactive approach to financial planning, especially considering your family's future needs and goals. Let's discuss how to allocate your investments to create a solid corpus for retirement, kids' education, and marriage:

• First, let's address your existing assets – your flat and plots. These are valuable assets that can contribute to your overall net worth.
• However, it's crucial not to rely solely on real estate for your investment portfolio diversification.

• With regards to your loans, it's advisable to prioritize paying off high-interest debts, like your loan with a 42 lakh balance.
• By reducing debt, you can free up more funds for investments and increase your financial flexibility.

• Now, let's focus on your monthly expenses, including your child's school fees and other living expenses.
• It's essential to budget wisely and ensure that your investment contributions don't compromise your day-to-day financial stability.

• Your existing investments in PPF, PF, NPS, and Sukanya are commendable. These provide a solid foundation for your financial future.
• You can continue contributing to these instruments while also exploring additional investment avenues to diversify your portfolio.

• Considering your investment horizon and risk tolerance, mutual funds offer an excellent opportunity for long-term growth.
• Your current SIP portfolio across different categories – large cap, mid cap, small cap, multi, and flexi cap – is well-diversified.

• As a Certified Financial Planner, I would suggest reviewing your asset allocation and ensuring it aligns with your financial goals.
• Allocate a portion of your monthly savings towards increasing your SIP contributions to mutual funds, aiming for a balanced mix across categories.

• Additionally, consider increasing your contributions to retirement-focused instruments like NPS, which offer tax benefits and long-term wealth accumulation.
• For your children's education and marriage goals, consider setting up separate SIPs or investment accounts dedicated to these objectives.

• Lastly, ensure you have adequate insurance coverage, including term insurance and health insurance, to protect your family's financial well-being.
• Regularly review your financial plan, adjust as needed, and stay committed to your long-term goals.

By following these steps and staying disciplined with your investments, you'll be well-prepared to achieve your financial aspirations and provide for your family's future needs. Keep up the good work, and remember that consistency and patience are key to success!

Ans: Congratulations on planning ahead for your daughter's wedding! It's heartening to see your dedication to ensuring her special day is memorable and stress-free. Let's discuss the right savings approach for this important milestone:

• Starting early is key to building a substantial wedding fund, and you've already taken the first step by initiating savings.
• Consider setting a specific target amount for your daughter's wedding expenses, taking into account factors like venue, catering, decorations, and more.
• Assess your current financial situation, including income, expenses, and existing savings, to determine a realistic savings goal.

• Given your age and the relatively short time frame of three years, it's essential to prioritize stable and low-risk investments.
• Explore options like fixed deposits, recurring deposits, and savings accounts for your wedding fund savings.
• Opt for instruments with competitive interest rates and minimal risk to safeguard your capital while earning steady returns.

• Consider diversifying your savings across different instruments to mitigate risk and maximize returns.
• Regularly review your savings plan and make adjustments as needed to stay on track towards your goal.
• Consulting with a Certified Financial Planner can provide personalized advice and guidance tailored to your specific needs and circumstances.

• Remember, your daughter's wedding is a joyous occasion, and your efforts to save for it will make it even more special.
• Stay focused on your goal, and keep up the good work with your savings plan.
• Your dedication and foresight will ensure your daughter's wedding is a beautiful and memorable celebration.

By following these steps and staying disciplined with your savings plan, you'll be well-prepared to finance your daughter's wedding and create cherished memories for your family.

Ans: Hello Sridhar!

Something that interests you and you would love to learn ,is such a deadly combo, pls go ahead and pursue the Certified Financial Planner course as a hobby.
For an online course you have two options-
If you are someone who is self driven like me, then pursue an online course with recorded lessons, else go for an in person live online session!
Any course you do online go for a credible institute.

If you can attend an offline session go for it. This way you'll meet like minded people, interaction with new people opens up your mind, a good reason to get out of your home/ office routine and chance to be a student again in a classroom!!

“Wisdom…. comes not from age, but from education and learning.”
- Anton Chekhov

So continue to learn and grow in Wisdom!

Best wishes!!

Ans: Leverage your skills in managing the play school at a relelvant place. Get a job at another play school, school etc. People with skill and hunger to do something are an asset for every organization. So dont loose heart and search for a job.

Ans: It's great to see your interest in starting a SIP at such a young age! Since you're already investing in HDFC Mid Cap Opportunities Fund, let's explore some other SIP options for long-term investment:

Large Cap Funds: Consider investing in large-cap funds, which typically invest in well-established companies with a proven track record. These funds offer stability and steady growth potential over the long term. Look for funds with a consistent performance history and a focus on quality stocks.
Multi-Cap Funds: Multi-cap funds invest across companies of different sizes, offering diversification and flexibility. These funds have the freedom to shift between large-cap, mid-cap, and small-cap stocks based on market conditions. Choose a fund with a seasoned fund manager and a disciplined investment approach.
Index Funds: Index funds replicate the performance of a specific market index, such as the Nifty 50 or Sensex. These funds have lower expense ratios and provide broad market exposure. Investing in index funds can be a cost-effective way to participate in the equity markets over the long term.
Balanced Advantage Funds: Balanced advantage funds dynamically allocate between equity and debt based on market valuations. These funds aim to provide stable returns with lower volatility. Consider investing in a balanced advantage fund for a balanced risk-return profile.
Global Funds: Global funds invest in international equities, providing exposure to global markets and diversification beyond domestic stocks. These funds offer the opportunity to benefit from global economic growth and innovation. Choose a global fund with a focus on quality companies and strong fundamentals.
Before selecting a SIP, assess your risk tolerance, investment goals, and time horizon. Consult with a Certified Financial Planner or investment advisor to choose a SIP that aligns with your financial objectives and risk profile. By starting early and investing consistently, you're laying the foundation for long-term wealth creation and financial security. Keep up the good work, and best of luck with your investment journey!

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.

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!

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!

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!