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Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 2022

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
Anonymous Question by Anonymous on Sep 22, 2022Hindi
Relationship

Hello Dear Anu Ma'am,
I wish to remain anonymous as my family reads this page too.
I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day (just to keep myself sane).
My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But there is no such thing as love or emotion in my house. I have never known the meaning of happiness and love.
Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully.
I have been in a relationship with multiple men (including a married man) but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended.
I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone.
I am a people pleaser. I cannot stand up for myself and I have zero self-confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex.
I always used to wonder why I am not like other girls - they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird.
My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like good girls are like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things.
It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear.
I keep getting into embarrassing situations because of my low self-confidence and inability to say NO.
I recently realised I am like this because of my father, after reading an article on absent father and how it affects daughters - from there I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self-confidence. I cried for hours after reading it. I was shocked and even more traumatized because I thought parents were supposed to love their children. But it gave me some relief that all this is not my fault.
Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them.
I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined.
That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much.
Can you please help me ma'am?

Ans:

Dear Anonymous,

Isn’t it about time you started to create your own life which is free from all the toxicity?

Sometimes as hard as it maybe, it is necessary to free yourself from the old and embrace the new; especially if the old is making you stuck and unhappy.

From what you have mentioned, your parents and brother seem to be in their own world of misery, and you surely are not the cause but you are no victim either.

You are 25 and you are earning and even if isn’t much, I wonder why you are still living under the same roof to put yourself through so much of pain.

Your job in life is not to ‘fix’ anyone even if it is family. But it is to wander on your path and create the life that you want.

Who knows once you are on your own, they might appreciate you for who you are. It is known that emotional neglect can show up as relationship challenges in children when they are ready for a partner or a relationship.

But does it help knowing all this?

Can you change the past? Can you change your parents?

If NO, then focus on changing the way you are responding to the situation.

Are you playing the victim who wants to dwell on the miseries, or do you want to play the enabler who disrupts the situation by taking charge?

Easier said than done; but once you decide to enable yourself, life takes a huge turn for the better. So, do it…

Let this be about YOU and no one else. Relationships can wait till you are on your own and making strong decisions.

For now, take that first step towards your freedom and that free life. You can do this!

Best wishes!

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Anu

Anu Krishna  |836 Answers  |Ask -

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

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Relationship
Hi Anu, I recently came across your self-help series on rediff com and couldn't resist myself from writing to you. I am a 25 year old woman living with her parents and a younger brother. I somehow managed the lockdown in 2020 but since last year, my life has been way more challenging.Things have been really tough since April last year. My mother started her dialysis. Before that, she got hospitalised twice within a month. However she is back home. But due to her dialysis session, her legs ache making her difficult to walk. Her hands have stopped moving due to hypertension so I am taking care of her.My father retired last year. So he's stressed about many things. He is over inspecting my every little action and criticising me for no apparent reason. I haven't got a suitable job despite working in an educational consultancy (They haven't even given my first salary). My boyfriend is encouraging me to work hard for my upcoming competitive exam and earn everything I want. But I don't feel like doing anything. I feel like I have lost the zeal. And nowadays he has hardly any time for me.My ex-boyfriend hasn't returned Rs 20,000 he borrowed from me. When I confronted him, he avoided me and told me to back off. Sometimes I feel like taking a loan.Lastly, I have incomplete submissions of diploma course which I couldn't submit on time and I am requesting for extra time but I didn't get any help.Though I feel that things will get better but most of the time, I feel like quitting. Today my father scolded me again, so I went to terrace. I screamed and cried and decided to end my life. I have become so alone. I am wondering when my life will be on track. I am not a bad person. I know I have flaws. But why has life become so tough? I am only getting rejections and failures. I don't know what to do. How do I tackle with all of these? Please help me. I am totally exhausted.
Ans:

Dear AB,

Breathe! And breathe again and once more…

Life is filled with all things great and challenging as well. Challenges come to us as a growth path; one that we must walk on to unleash more of our inner power.

Challenges within the family, education related challenges, personal challenges and more are part of anyone’s life.

How we deal with each defines our journey and shapes our mindset as well.

Have you felt like playing the victim in each challenge and hence feel low and dejected and that prevents you from finishing what you have taken up?

I might be wrong here, but what seems to be happening is every activity is left mid-way due to lack of confidence from within. And then the loop continues and you have termed it as a rejection and failure. We receive what we put out there; so why don’t you try something different?

Why don’t you pick something (one at a time) and see it through till the end; it will give you a great sense of achievement and to do this; simply visualize the path from the start to the end and then jumping for joy at your victory.

Request your boyfriend to play the role of an accountability partner, so that he keeps your ups and downs in check.

Commit to him as to what and when you will finish; and to motivate yourself, keep visualizing your victory and success point and the happiness that you will feel from within.

As for your parents scolding you, they only look at your welfare.

Sit them down and tell them that you need their support and that you are embarking on a new journey.

I am sure that they will be rooting for you. Life is beautiful, make it count and you know you can!

Best wishes!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 06, 2021

Relationship
Hello Anu Ma'am, I don't know where to start. I don't know if there is anything wrong with me at all. It all started on 4th of July 2012. My father passed away that afternoon. I have been a single child raised by a single parent. My mother passed away during my birth due to a medical error. During my early childhood my father was distant and alcoholic. We barely bonded. I was a studious child turned rebellion for no particular reason. Getting into wrong circumstances and with wrong people. By the time I was in 10th standard, me and dad had a bond. He shared his feelings of loneliness and disappointments from life, friend circle, work, extended family, etc. It made me judgmental and opinionated towards everything and everyone. I never connected with my extended family and neither did any one of them. I moved to Bangalore in 2007 for a better career upon his insistence. I had goals, ambitions and desires and a place in life where I wanted to be. But after his death, life has been a mess for the last 9 years. The untimely death took me away from completing my engineering degree. I drifted back to hometown in a desperate effort to safeguard the home he built, where I grew up. If I quantify my 20 years with dad, it would sum up to barely 5 years of happy time. Rest of it is just marred by alcohol, abuse on his part and mine, distance, periods of no conversation or connection. I came up with ideas to keep the home and still pursue whatever was left of my dream. But it didn't work. For instance, the neighbors created problems for the tenants who I bought for that home. Some of my father's friends and my own had vested interests in that house and constantly created hurdles which damaged my efforts in my very first job. The lawyer I hired to transfer the property to my name played her own tricks to take the house. Lengthy government procedures, bribery, setbacks resulted in me losing my focus on the second job as well. As a last resort, in 2017, I sold the home and planned to settle down in Bangalore for good cutting all my ties with the place I called home. This also affected my relationship as my fiance's father questioned his faith on me and finally got her married to a guy in the States. Over the last 5 years, my career has marched forward aggressively. I travel to places cherishing the things I wanted to do -- travel, eat and gather new experiences. But when I come back home, there is a void. I don't feel happy about how far I have come and achieved despite everything. There is no one around to share my thoughts and feelings. There is no space to let out and let go. I am in a constant state of breakdown. I want to cry but I rarely do. Those moments of childhood, the experience of his demise the after effects still have a hold over me. I have become skeptical of trusting people and letting them in and trusting them. Then there is my own regret of not finishing my engineering and working towards the life I wanted and setting down for a normal degree and corporate life. I have started to indulge in excessive travel and bouts of poetic rant to let the hurt out but now I feel it ain't working. It's becoming difficult for me everyday. I don't feel suicidal because I know I won't take that step. But I feel very very lost and unable to find a way to move forward. I feel I am just there in the crowd without a purpose. What should I do?
Ans: Dear R, I can only imagine what you feel this moment.

Well of course, no achievements can possibly ever substitute for the sense of belonging that you perhaps crave for.

It’s unfortunate that many known people have tried to claim a stake in the property and possibly it might have offered you a respite when you sold the house.

What remains of all that you have gone through is memories and those 5 beautiful years with your father.

What if you heightened the happiness level in those memories by seeing them clearly and reminiscing the celebration moments with your father?

It’s easy to harp on what went wrong or what could have been better? But can anything substitute the few yet meaningful years that you had with your father?

And when it comes to the void that you currently feel, I do feel that it’s time that you extended your social circle.

The world is well connected and there is much in common that you can have with people across the globe in terms of mutual interests and discussions.

Develop a hobby or do something that you love everyday and remember to be with Mother Nature often. It helps clear the mind and keep you grounded.

Lastly and importantly, think of how you can add value to another person’s life.

When we think of something beyond us, it fills us with a lot of positive feelings and keeps us motivated from within.

Life can be filled with remorse or joy; it’s only a matter of choice!

My best wishes to you!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 01, 2022

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Relationship
Hi Anu I am 30 years old. I have done LLB and was not interested to practice in court so I tried to get a private job but I didn't get any. Then I decided to start preparing for a government job but I missed it. I started to doubt myself. I even had suicidal thoughts this was started when I was very little something happened to me when I was 16 since then I tried to kill myself and also tried to get involved with one of my friends in college. He liked me so much so we started having relationship. When intimacy started I became nervous and afraid. It is like itching. I want to run and hide in a safe place. He was very firm and honest and humble but didn't work out. After that so many proposals came. I declined. Now my family wants me to marry. I don't know if the husband would understand and give me some time to get involved with him. I don’t know what life after marriage would be. I am a girl with absolutely no achievement and am not proud of anything in my life. My parents are disappointed in me but they never show. What should I do? Pls do not disclose this
Ans:

Dear JV,

It’s possibly the incident that happened to you (which I understand that you haven’t shared here) is preventing you from having a fulfilling life.

I can only say that the incident happened in the past, but you are living it even now.

You were a victim in that incident, but to continue to play the victim even now is to give your power away.

How can you be happy by giving your inner power away every day and every moment?

Reclaim your life.

What’s happened can be blurred by moving away from that incident and reminding yourself that you are far away from the past and in the NOW.

  • Be grateful to what you have in the present
  • Make a list of your strengths
  • Write down your goal clearly by stating by when you want to achieve it

Remember bringing your past into the current time robs you of any goodness; professionally or personally.

So, to see something change, change the way you feel about your past.

Step out of the victim mode and become a person who has the power to change things at will.

I am sure you want to see how this pans out for you.

So, what are you waiting for? Step up and bring that newness of thought into your life.
All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

Relationship
Hello Dear Anu Ma'am,I wish to remain anonymous as my family reads this page too.I'm 25 years old and work for a multinational IT giant. I don't earn much but I'm happy with my job. I'm a workaholic and I don't mind working for even 16-17 hours a day just to keep myself sane.My parents are highly educated, have good jobs, are caring and do EVERYTHING for me physically. But, there is no such thing as 'love' or 'emotion' in my house. I have never known the meaning of happiness and love.Everything looks normal on the outside, but inside my dad does not treat my mom well, he always makes fun of her and disrespects her. He is cold and distant from me as well. I don't even remember the last time things were alright at home. Sometimes he even abuses my mom physically and because of this, she left her reputable job and now stays at home. My brother and I have stopped talking to my dad fully.I have been in a relationship with multiple men, including a married man, but was never actually interested in them. They all got frustrated with my behaviour after a few months and the relationships ended. I never understood why I keep on getting into relationships when I never like them. I never understood why I can't say no to someone. I am a people pleaser. I cannot stand up for myself and I have zero self confidence. All my so-called ex-boyfriends manipulated me for sex and I kept thinking it was love. I lose interest the moment they talk about sex.I always used to wonder why I am not like other girls -- they are confident, they can say no to a guy they don't like, they make the right decisions, they have female friends but I don't have any. I used to think why only I am weird.My mom also likes my brother more and does not treat me that nicely. Although she is nice to me most of the time, she keeps on mocking and belittling me like 'good girls like plants and nature.. I have never seen you in our garden. This shows what kind of a girl you are, you're useless, you're good for nothing. I feel like slapping you all the time, your face is like that, anyone would want to slap you and many more such things. It confuses me. I still don't understand if my parents love me or not. My brother is on my mom's side. He never treats me well or respects me. My mind is always in a state of confusion and fear.I keep getting into embarrassing situations because of my low self confidence and inability to say NO.I recently realised I am like this because of my father, after reading an article on 'absent father and how it affects daughters', I got to know that when a father doesn't love his daughter, she becomes promiscuous and has very low self confidence. I cried for hours after reading it. I was shocked and even more traumatised because i thought parents were supposed to love their children.But it gave me some relief that all this is not my fault.Now, I have stopped blaming my parents for the way I am (even if they are the cause) and I've decided to improve my life by distancing myself from them.I have made up my mind and I can see some changes in myself. But I still can't say no very loudly and clearly. I say it in a low voice and hesitantly, so people take advantage of me. I strongly believe that I will learn to say no. I am determined.That said, the main problem now is - there is immense grief, guilt and shame in my mind which I'm not able to get out. I feel terrible about myself all the time, like I'm a cheap, characterless woman. I know that is not actually my personality but I still have such thoughts. I even tried therapy but it has not helped much.Can you please help me ma'am?
Ans:

Dear SS,

Well, there is a neat pattern playing out in your family system.

The women in the house don’t stand up for themselves and the men act like they are entitled to the point of disrespecting and making the women submit to them.

You can see how this is playing out in you and your mother and in your father and your brother or even the way your mother treats you and your brother differently. Very neat gender-divide and gender inequality under the roof of a family system.

This is how emotional states in a growing child who is at the receiving end get eroded to a point that they grow up to make poor choices with regard to their life partner or that growing child who is entitled to act like they need to have it all.

Both are not healthy and when they co-exist in the same house, you can see for yourself what is happening.

It is most certain that your choice of men and to maintain boundaries with them does have a lot to do with the relationship between you and your father. But what’s happened, has; you can’t change the past and keep playing the victim.

Instead, lay out how your life could change for the better if you took charge of it and stepped up.

Call the shots beyond all the blaming and move on. It isn’t easy, but it’s not impossible too!

Work with a therapist who can not only empathise but also is someone who can take you off the victim mode and who enables you to TAKE CHARGE! Your choices create your life…

Best wishes!

..Read more

Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 30, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Dear Madam, Iam a 45 year old woman. Ever since I was a kid I had went through lot of bullying by my rekatives for the way I look but my parents never supported me in any way instead found fault in ne for complaining but would always support my younger brother. Somewhere down the line I thought this was all I deserved and let oeople walk all over me without standing up for myself. Now that Iam a mother myself of a 15 year old kid with dyskexia, i have sacrificed my career fir his sake and still get bullied by my relatives dir being a useless house wife. I have started drawing boundaries around me to protect my mental sanity and allow only few people in it which invludes a small group of friends and my son and husband. I avoid making new friends. I have also stopped attending any social events that involves my relatives. Meanwhile I have started deeply resenting my parents who want ne to take care of them but openly favour my brother who lives abroad. I have taken care of them everytime they require neducal treatments yet my father openly says that he plans to give all his property to my brother who is never coming back. Its not about the money here but the apathy they have towards me that kills me from inside. I have tried to talk to them multiple times but each time my mother creates a scene and puts the enture blame on me. For once in my life i want my parents to love me unconditionally the way I do with my son. Am i wrong to expect that? This is causung lot of health issues in me. Please advise.
Ans: First and foremost, it's crucial to recognize that your feelings are valid. It's natural to want love and support from your parents, especially after all you've done for them. It's not wrong to expect unconditional love from your family; however, sometimes, unfortunately, families can be complex and dysfunctional, and our expectations may not always be met.

Drawing boundaries and prioritizing your mental health and well-being is a positive step. It's essential to protect yourself from toxic relationships and environments, even if it means distancing yourself from certain family members. Surrounding yourself with supportive friends and loved ones, like your son and husband, is vital for your emotional health.

Regarding your parents, it's clear that their behavior is hurtful and unjust. It's understandable that you would feel hurt and resentful toward them, given their favoritism towards your brother and lack of appreciation
for your sacrifices and care. However, it's also essential to recognize that you cannot control their actions or attitudes. You can only control how you respond to them.

While it's challenging, try to approach conversations with your parents from a place of empathy and understanding. Express your feelings calmly and assertively, focusing on how their actions make you feel rather than blaming them. It's possible that they may not even realize the extent of the hurt they're causing you. However, it's also essential to set realistic expectations. If your parents continue to be unsupportive or dismissive, it may be necessary to limit your interactions with them for the sake of your own well-being.

Remember to prioritize self-care and seek support from a therapist or counselor if you're struggling with your mental health. It's okay to seek professional help to navigate through these difficult emotions and experiences. You deserve love, respect, and validation, and it's essential to surround yourself with people who uplift and support you.

Lastly, continue to cherish the love and bond you have with your son and husband. They are your pillars of support, and together, you can navigate through these challenges. You're stronger than you realize, and you have the power to create a fulfilling and loving life for yourself, regardless of the negativity from others.

..Read more

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me
Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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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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