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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Feb 24, 2024Hindi
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Relationship

Hello ma'am, I am a 17 year old girl feeling vulnerable and angry at times to the point that i end up breaking things and this affects my relationship with my parents. I feel very lonely most of the time....especially when i see other people chilling with their friends. Please help.

Ans: it's completely understandable to feel overwhelmed and lonely, especially when you see others enjoying social connections. Here are some suggestions that may help you manage your feelings of anger, loneliness, and vulnerability:Find healthy ways to express your emotions. Instead of breaking things, try journaling, drawing, or talking to someone you trust about how you're feeling. Be kind to yourself and recognize that it's okay to feel the way you do. Treat yourself with the same compassion you would offer to a friend in a similar situation.Reach out to someone you trust, whether it's a friend, family member, teacher, or school counselor. Talking to someone about how you're feeling can help alleviate feelings of loneliness and provide support. Engage in activities that bring you joy and fulfillment, whether it's pursuing a hobby, volunteering, or joining a club or group where you can meet like-minded individuals. Consider seeking therapy or counseling to help you learn coping skills and strategies for managing your emotions in healthier ways. A therapist can also provide a supportive and non-judgmental space for you to explore your feelings and experiences. Mindfulness techniques, such as deep breathing exercises and meditation, can help you stay grounded and present in the moment, reducing feelings of anger and vulnerability. If certain situations or relationships are contributing to your feelings of anger and loneliness, it's important to set boundaries to protect your well-being. This might involve limiting contact with certain people or seeking support to address challenging family dynamics.Take care of your physical and emotional needs by prioritizing self-care activities such as getting enough sleep, eating healthily, and engaging in regular exercise.Practice identifying and challenging negative thought patterns that contribute to your feelings of loneliness and anger. Replace them with more balanced and compassionate thoughts. Healing and personal growth take time, so be patient with yourself as you navigate through this difficult period. Celebrate your progress, no matter how small, and remember that you're not alone in your struggles.
It's okay to ask for help, and reaching out for support is a courageous step toward healing and well-being. You deserve to feel supported and connected, and there are people and resources available to help you through this challenging time.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 01, 2021

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Relationship
I'm married and mother to a 5 months old beautiful daughter. Before and after marriage I was working in a company as HR executive. I loved my job. Then I left my job because me and my husband was working in different locations. When I shifted with him, I tried a lot to get a job. But all in vain. Maybe because of this I started getting frustrated. It affected my personal life a lot. I used to blame my husband as he never ever told me to quit. But somehow...... Then we shifted to our home town because of lockdown and my husband's WFH. And my frustration level is increasing day by day. I lost everything. How to enjoy, happiness everything. I want to be happy but.... It's like I can't do anything for my daughter as well as for myself. I hate dependency and I am totally dependent on my husband even for a single penny. I tried to commit suicide many times. Then I thought I should talk to my mother. I did. But nothing helped. She used to tell me always that I have to live for the child now. Then I thought what I could do for her. Because if I m alone, sad, depressed from inside how can I be happy outside? I used to motivate people and right now I want to end up my life. Can you help please?
Ans: Dear TS, What do you want for yourself? What do you want to make out of life?

You can choose to be sad and depressed and keep thinking of what hasn’t happened. Always do things that set you free, always think of things that set you free.

The more you choose to focus on what could have happened and what should happen, it leads you to a dark place.

Why think that you are dependent? Marriage is a space where both partners must have the comfort of growing together.

Let’s say someday if you have to step up and work instead of your husband, will you call your husband a dependent person then?

We all go through phases in life that challenge our mind and mental state. The sooner you accept this, the better you will sail through this.

After all, nothing is permanent. Instead of brooding over, if you gave yourself a fresh start and looked at opportunities in a different way, you may find something that is better than what you had initially been searching for.

And if ending your life, you think makes it easier, remember, it never has and it never will and DO think of your daughter who is solely dependent on you.

Please work with a Mental Health expert who will help put your priorities together and a good action plan as well to achieve simple goals in life.

Start first by being outdoors in Nature and please be in GRATITUDE for what you have in life. That will make you trust that LIFE IS GOOD! Surround yourself with people that nourish you.

Be in the best mind space. Best wishes.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 22, 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 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  |825 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!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 08, 2023

Asked by Anonymous - Feb 07, 2023Hindi
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i am going through lot of depression and anxiety. It has made me violent. i feel like killing my father . he has done 2nd marriage and has kept no assets/property for me. I am worried someday i will take law in my hand and will be behind bars or may get injured in the fight. I am 41. From last 13 years staying away from family and living on my own. Presently my health is also not well, going through lot of mental and physical illness.after thinking about the future, I think I will be on streets in future and the reason is my *b**as**rd father. Please advise how do i control my anger and depression.
Ans: Dear Anonymous,
Focus on what you can control and manage and in your case, it's your anger.
It is destroying you and eating away your peace of mind.

Can you change the way your father is?
Is he going to transfer his property to you?
Why should he transfer what he has earned to you?
Are you not capable of standing on your feet?
What will you get by taking law in your own hands other than have a case against your name?
What is all this anger costing you healthwise?

You know the answer to each, but this anger and disappointment within is forcing you to blame your father (even if he solely to blame), but when you can;t do anything to change, that's the time to accept, else it has begun to destroy you.

Kindly work with an expert who can help you channel your anger into something more productive and in the meantime, focus on a lot of physical activities that help displace anger. Also spend time in Nature that helps you calm the mind. And yes, seek professional help NOW!
Best wishes!
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Maxim

Maxim Emmanuel  |186 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 28, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello my name is yash I have completed by studies in bsc it I have done jobs of cashier and application support analyst during my studies. No my studies are over I find myself to fit in job as per requirement but I am not satisfied sometimes I feel I am not meant for this I have issues from office like work extra over over time. I want to ask is there everywhere over time of employees to be spend 10-12 hours in office. Secondly I feel that should work in environment where I can move and do work means field work in which I feel I am not bounded in short I want work life balance. I love to read books, I love to do on ground activities in back of my mind I have civil services plan in which I have a permission to work freely. But condition is that how can I do if office demands max hours of my life it's bit confusing for me
Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!
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Ashwini

Ashwini Dasgupta  |65 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Apr 28, 2024

Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Money
Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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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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