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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 28, 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
GS Question by GS on Sep 28, 2022Hindi
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Relationship

Hello Mam, It is so nice of you that you're providing an insight into problems of everyone and letting them lighten their problems they have in their relationships.
I am married for two years and would like to ask if it is okay for my wife to visit her mom every two months for two weeks or above, sometimes even a month. Her mom stays nearby in the same city, is it logical for her to do such thing?
I have also asked my colleagues, their wives visit their mother's not so frequently, even if they live in same city.
This situation is hampering my relationship with my wife, while in her context she does it because she wants some time alone with me but the problem is there is a relative (male) of her who looks after some property of my wife in other state. I've caught that person (he's married with two kids) red handed sending romantic songs (kuch aisa kar kamaal ke tera ho jaun) to my wife. This person had a fling with my wife earlier and my wife always prefers to talk to him at her mother's place and never in front of me. When I asked her to talk to him in front of me, she denied directly.
So whenever she visits her mother I'm always insecure and want her back at my place as soon as possible because I've seen call records of my sister-in-law. That person calls on her number and my wife says she talks to him just for the sake of property.
Currently while writing this e-mail she is at her mother's place and is not willing to come back. We are in a state of quarrel.
Please guide me the right direction.
Thanking you in anticipation.

Ans:

Dear GS,

Thank you so much for your acknowledgement on my work.

I don’t know if it’s okay for a wife to visit her parents every once in a while, or frequently.

I guess this is between each married couple who kind of form some sort of understanding on what’s okay and what’s not.

Clearly, you are not comfortable with her spending so much time as it possibly eats into your couple/ family time.

If expressing this hasn’t helped, you obviously can’t force her to see things your way. But what really bothers you perhaps should be the focus of your communication to her.

The other person who takes care of her property, clearly seems to have some plans; maybe your wife understands this or enjoys this attention, is something that you need to speak her about.

It's possible that its harmless flirting, but yes, flirting is flirting, and it can turn into something serious especially if the woman is not expressing her displeasure over it. Till then the man feels encouraged to keep going on.

This situation is what needs to be addressed first…talk to her mother…does she know this as well?

Talk to your wife and express that not having a boundary, is making you feel insecure…also, check if you are over-reacting to the situation…having said this, if you feel a certain way, I validate it and it needs to be addressed by your wife.

Also, why does she choose to spend time away from you?

Why does she like talking to the other man?

How is the emotional and physical connect between the two of you?

It’s worth it to ask yourself these questions…a lot may emerge, and you might have a clear path of action ahead of you.

Clear your mind and Act…All the best!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

Relationship
**JAY*JAGANNATH**, Wishing You For **HAPPY*JANMASHTAMI**, I'm based in Mumbai, but lives in Puri, Odisha, because of **LORD*JAGANNATHA**, Since, I'm a Business Analyst,, not yet Started my Practice,, i had a arrange marriage in my own caste with rest was OK, after reading some of Your advises and type of case,, i became enthusiast to know about my personal disturbances in my family. We live Seperate with my Only 18+Son, Studing & Preparing for Entrance Test via Online.., she is in Guwahati,, working under at a Private Retail Management co., ME & MY FAMILY Severally attempted & requested her and her family too, to Come back & Join to my family for living together,, but when failed,, i encourage her OK live there,, as because after failing an attempt of school transfer due to language issue for a subject like Marathi in Upper classes,, Thus, i stopped disturbing her as well as my son's study. During initial level of Separation,, their family (ELDERS) requested me will handover my family (wife & Son),, if i Pay them(wife& Son) their expenses for a Full Year., that was happened when i reached for an attempt to Convince My Wife and their family to adjoin with me & with my family activity, that was Probably in 2010-11 somewhere in between,, i was Hr. Manager in a Cement Co. in Meghalaya. I agreed too & and Provide as per for a Year. But, while passing a year they became Silent.., not hardcovered my family. till as on date,, i am alone..! She & Elder Sister & the brother-in-law Says they won't divorce nor will allow to handover,, i said why..! The Starting of a Quarrel was with a Issue of Changing my Mental Perception,, while they tried to Implement me with Saying a FALSE PLAN,, but, i Caught their Such Attempt,, MY Mrs. later She admitted that, they tried it because of if I get my Changes in me & to take my decision well for my Next career. Since, i born & brought up in Guwahati, i had a Soft corner for North-East always,, which was happened after 15yrs of long Struggle in Mumbai,, i Stand on my own feet with My Own Struggle & a house for my Stability etc. After Marriage of a Assam Lady only it was a Scope again to Reach Assam.. So, i thought, if i can Start Something a great Project with in & around of North-East. But, that became a bad experience for me as on till. I arrived Recently too, to Convince her,, Come & Join me,, Rest all Hurdle i will Handle,, Now, No more My father also expired, a Retired. Rly Officer,, Parents too visited Severally Assam to Convince them but failed,, I always feel i am alone,, what to do with,, I am a family Oriented Person,, love to keep Relation Well with either Side Well. But, not happening. What to Do Now,, Kindly tell Your Opinion on this,, I am Ready to Take Your Nobly too, Recently, I took little advise from a Legal Family Court Councillor at Guwahati, & their one of Next Door Reputed Lady Neighbour(Who Co-ordinated & Represent too for the Local area of their & for their Constituency during Elections & their any function of their Locality,, a well known in their Locality for a Good behaviour too),, I meet & Spoke to her Severally,, She herself Visited too & found My Wife Not behaving Normally & Cool,, a Raugh behaved Lady, She found & She Said, a disrespected Lady means not Gentle,, i Personally Visited Mumbai at her elder Sister's home too,, during yr.2015,, while in entrance,, the brother-in-law resisted me NOT to Enter,, from the door only i came back. Not meet even & had NO Talk,, while after little a distance i covered from their residence,, i found they again recalling me to Come & Visit. But, I found myself very off mooded, & not visited till as on & till date,, because. they only Created the False Nuisances' with their Plan,, which not became A Success.. they Caught. But, they were Proposer of Our both Relation. But, I want a Justice with this,, Since, I am a Simple & Honest,, Very Straight forwarded with Cut to throat Person..in my Nature,, Soft & Spiritual. Since, Many Years Now Connected to Krishna Consciousness too,, that is why for love & affection i am here at PURI. Kindly, Let me Know Your Precious Opinion by which I can Come out with my Loneliness. **HARE*KRISHNA** Thanking you, With Regards, Surajit Bhattacharjee, In Case if You have a Plan to Visit Puri, Odisha,, Kindly, Let me Know Your Date & Place to See **MAHABAHU**JAGANNATHA*,, You may Send by Your family & friends too with Prior Advance & info.
Ans: Dear Surajit,
Thank you for the festive wishes and thank you for the invite to visit Odisha.

Your situations suggests that much time has passed with no action. Long distance relationships are not easy and require immense maturity and agreement and a lot of trust to keep the marriage going.

What is the reason that your wife does not want to come back now? Your son is already 18 years and is old enough to get into a professional college now...What has happened in all these years that she finds it better living with her side of the better than making her own family come together?

Have the two of you had time to have a private conversation without the interference from anyone else?
Make that honest attempt and appeal to her that you would like the family to get back together. But also be prepared if she says NO as that has been her stance all these years... then please move on...it is difficult but will be better for your physical and mental health.

All the best!

..Read more

Kanchan

Kanchan Rai  |179 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 30, 2023

Relationship
**JAY*JAGANNATH**, Wishing You For **HAPPY*ANANT-CHATURDASHI**, I'm based in Mumbai, but lives in Puri, Odisha, because of **LORD*JAGANNATHA**, Since, I'm a Business Analyst,, not yet Started my Practice,, i had a arrange marriage in my own caste with rest was OK, after reading some of Your advises and type of case,, i became enthusiast to know YOUR UNPARALELED PRECIOUS OPINION about my personal disturbances in my family.,for which We live Separate with my Only 18+Son, Studying & Preparing for his Entrance Test via Online.., she is in Guwahati,, working under at a Private Retail Management co., ME & MY FAMILY Severally attempted & requested her and her family too, to Come back & Join to my family for living together,, but when failed,, i encourage her OK live there,, as because after failing an attempt of school transfer due to language issue for a subject like Marathi in Upper classes,, Thus, i stopped disturbing her as well as my son's study. During initial level of Separation,, their family (ELDERS) requested me will handover my family (wife & Son),, if i Pay them(wife& Son) their expenses for a Full Year., that was happened when i reached for an attempt to Convince My Wife and their family to adjoin with me & with my family activity, that was Probably in 2010-11 somewhere in between,, i was Hr. Manager in a Cement Co. in Meghalaya. I agreed too & and Provide as per for a Year. But, while passing a year they became Silent.., not hardcovered my family. till as on date,, i am alone..! She & Elder Sister & the brother-in-law Says they won't divorce nor will allow to handover,, i said why..! The Starting of a Quarrel was with a Issue of Changing my Mental Perception,, while they tried to Implement me with Saying a FALSE PLAN,, but, i Caught their Such Attempt,, MY Mrs. later She admitted that, they tried it because of if I get my Changes in me & to take my decision well for my Next career. Since, i born & brought up in Guwahati, i had a Soft corner for North-East always,, which was happened after 15yrs of long Struggle in Mumbai,, i Stand on my own feet with My Own Struggle & a house for my Stability etc. After Marriage of a Assam Lady only it was a Scope again to Reach Assam.. So, i thought, if i can Start Something a great Project with in & around of North-East. But, that became a bad experience for me as on till. I arrived Recently too, to Convince her,, Come & Join me,, Rest all Hurdle i will Handle,, Now, No more My father also expired, a Retired. Rly Officer,, Parents too visited Severally Assam to Convince them but failed,, I always feel i am alone,, what to do with,, I am a family Oriented Person,, love to keep Relation Well with either Side Well. But, not happening. What to Do Now,, But, I LOVER HER & MY SON VERY MUCH,, BY ANY MEANS AS ON.., I HAVE NO PLAN TO LEAVE THEM ALONE & THEIR STRUGGLE TO..! BUT, I STILL, A HELPLESS, WHOM TO GO & CRY FOR THEM..!?! Kindly tell Your PRECIOUS Opinion on this,, I am Ready to Take Your Nobly too, Recently, I took little advise from a Legal Family Court Councillor at Guwahati, & their one of Next Door Reputed Lady Neighbour(Who Co-ordinated & Represent too for the Local area of their & for their Constituency during Elections & their any function of their Locality,, a well known in their Locality for a Good behaviour too),, I meet & Spoke to her Severally,, She herself Visited too & found My Wife Not behaving Normally & Cool,, a Raugh behaved Lady, She found & She Said, a disrespected Lady means not Gentle,, i Personally Visited Mumbai at her elder Sister's home too,, during yr.2015,, while in entrance,, the brother-in-law resisted me NOT to Enter,, from the door only i came back. Not meet even & had NO Talk,, while after little a distance i covered from their residence,, i found they again recalling me to Come & Visit. But, I found myself very off mooded, & not visited till as on & till date,, because. they only Created the False Nuisances' with their Plan,, which not became A Success.. they Caught. But, they were Proposer of Our both Relation. But, I want a Justice with this,, Since, I am a Simple & Honest,, Very Straight forwarded with Cut to throat Person..in my Nature,, Soft & Spiritual. Since, Many Years Now Connected to Krishna Consciousness too,, that is why for love & affection i am here at PURI. Kindly, Let me Know Your Precious Opinion by which I can Come out with my Loneliness. **HARE*KRISHNA** Thanking you, With Regards, Surajit Bhattacharjee, In Case if You have a Plan to Visit Puri, Odisha,, Kindly, Let me Know Your Date & Place to See **MAHABAHU**JAGANNATHA*,, You may Send by Your family & friends too with Prior Advance & info.
Ans: I understand that you are going through a very challenging and emotionally taxing situation. It's clear that you care deeply for your wife and son and want to find a resolution to the issues that have led to your separation. However, I am not a legal expert, and my responses are not a substitute for legal advice. It's essential to consult with an attorney who specializes in family law in your jurisdiction for guidance tailored to your specific circumstances.

Here are some general steps you might consider taking:

Consult with a Family Law Attorney: Seek the advice of a qualified family law attorney in your area who can help you navigate the legal aspects of your situation. They can provide guidance on divorce, custody, and any other legal matters that may arise.
Mediation: Mediation is often a more amicable and less adversarial way to resolve conflicts related to divorce and separation. A trained mediator can help facilitate discussions between you and your wife to find mutually agreeable solutions.
Child Custody and Support: Given your son's involvement, it's crucial to ensure that his best interests are protected. Discuss child custody, visitation, and child support arrangements with your attorney and potentially through mediation.
Therapeutic Intervention: If communication and emotional issues are at the core of your problems, consider involving a family therapist or counselor. They can help facilitate productive discussions and address underlying emotional concerns.
Keep Records: Document any interactions or communication you have with your wife or her family. This can be useful in legal proceedings and may help support your case.
Stay Connected with Your Son: Continue to provide emotional support and be involved in your son's life as much as possible, even if you are physically separated.
Explore Community Resources: Look for local support groups or community resources that can provide emotional support and guidance during this challenging time.
Remember that every situation is unique, and the best course of action may vary depending on the specific details of your case. Seeking professional legal and therapeutic guidance is crucial in navigating complex family issues. Additionally, it's important to remain patient and persistent in your efforts to find a resolution while prioritizing the well-being of your son throughout the process.

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2023

Asked by Anonymous - Nov 09, 2023Hindi
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Relationship
Hi Anu...i hv been reading ur expertise to solve the issues of people and am really impressed. We have been married for 19years now and have a son and daughter .From the start of the marriage my wife have been inclined towards her mother and her family paying less or no heed to us. Circumstances were also favorable to her and she always got the opportunity to stay close and visit her parents often which i did not mind.We lived in Mumbai and she is from Chennai.After marriage my mom-in-law used to continuosly interfere into our lives by calling her and she used to act as per her suggestions only which led to problems as she was a puppet in the hands of my Mom-in-law. Moreover since my mom-in-law was not in good health my wife tried not to over rule as she did not want her mom to feel sick as she doesnt like to be over ruled or by pass failing which she goes on hunger strike and stop taking tablets spoiling her own health. Due to this reason everybody has been appeasing her.Initially i thought to ignore but slowly it started to affect my family as well as my wife started to see things thru my mom-in-laws perspective and find faults in everything. We shifted to overseas to stay away from all these and we really had a good life for 10 years there but since i lost job during covid i had to shift base to India for my son's education but she chose to stay back there with my daughter as she is working there.I too felt that let her spend some time so that i could settle things in India and call her but it is more than 2 years now and she refuses to come back and dont even care for us and neither call us as family. I tried to involve my in-laws to convince her but they are also playing a diplomatic game and doesnt want to go against their daughter's wish.Due to this attitude of my mom-in-law their own daughter-in-laws have been staying away and since my in-laws stay alone my wife feels that she is the only support system for her parents but it has come on my life's sacrifice. She has been ignoring us and even i kept moving for the sake of my family and children instead of respecting my feelings she has become more adamant now.Her brother is also seperated from her wife and he also looks forward for a support system from my daughter and my wife and they seem close ignoring myself and my son.We have been trying to convince her thru all means but she is caring. Even i feel that it is futile to force someone into relationship but she unknowingly spoiling my family and deprieve my son the mother;s love and also depreive my daughter from affection and love.Due to this my son has also stopped expecting from her and my daughter treats me as a stranger due to long distance. Pls suggest the way forward. Shud i wait for things to improve or leave as it is.I am 47 now and she is 45..told her that let us enjoy the best things in life rather than regretting later but she does not understand.
Ans: Dear Anonymous,
Logic does not appeal to your wife!
What can you do with someone who is adamant about ruining her own family life? It's purely clouded judgement on her part on what to do and not!
With more people dependent on your wife for support, she has found a way of moving even more away from you...what I do not understand is: how is she able to do that to your son?

Either the two of you talk this out and take firm decisions OR accept that this is how it's going to be...sooner or later, she will realize what is happening and will become more aware of her priorities. But, being where you are is painful and it will stress you even more...So, find a way to talk things out is a step that you can take NOW!

Impress upon her as to how important it is keep the family together as a unit for the children to grow in a healthy manner and also how much this time investment will help the two of you as a couple.

All the best!

..Read more

Kanchan

Kanchan Rai  |179 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Relationship
Dear madam , My name is Suman ..44+ years I was married since 14 years and live ng separately after marrige last 14 years due to both we are working professionals and my wife lost his father before our marriage and she needs to take care of her mother and family For that after marriage we leave separately and we was a great understanding and we have a boy after 8 years of marriage ,now he is also 6.5 years in age and doing good in education I only send money fornhis education and when ever wife needs ,we did not have regular sex as we meet frequently in a year about 3-4 months back. Now last one year almost I am abroad from India due to service transfer to Malyasia and feeling our relationship is no more working as my wife stop responding my calls and clearly told he is not interested on me.as she is very upgraded in her carrier and feeling disturbed about my calls ....and not even return call when she free of work...I am suppose to do what ? Please suggest.
Ans: Hello Suman,
It sounds like there have been significant changes in your relationship dynamics, especially with your wife's focus on her career and the physical distance between you due to your work in Malaysia. Even though your wife may not be responding to your calls, it's important to continue trying to communicate with her. Express your concerns and feelings openly and honestly, but also try to listen to her perspective without judgment.Try to understand your wife's perspective and the reasons behind her behavior. It's possible that she may be feeling overwhelmed with her responsibilities or experiencing other challenges that are affecting her responsiveness. Consider seeking the assistance of a marriage counselor or therapist who can facilitate communication and help both of you work through your issues. A neutral third party can provide guidance and support in resolving conflicts and rebuilding your relationship. Reflect on what you want for your future and what you're willing to do to salvage your marriage. Consider your own needs and priorities, as well as those of your son. If possible, try to spend quality time together when you visit India or when your wife can join you in Malaysia. Building positive experiences together can help strengthen your bond and rekindle your connection. Lean on friends, family, or support groups for guidance and emotional support during this challenging time. Having a strong support system can help you navigate through difficult situations.Take care of yourself emotionally, physically, and mentally. Focus on activities that bring you joy and fulfillment, and don't hesitate to seek professional help if you're feeling overwhelmed or distressed.
Ultimately, rebuilding a relationship takes time, effort, and commitment from both parties. It's important to approach the situation with empathy, patience, and an openness to change.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Sir, I am 72 years old and want to invest Rs 15 lac in M.F, in swp.already invested 22 lac in MF .I am high risk taker . I want swp amount after one year. Please suggest M.F schemes . Thanks
Ans: Given your risk appetite and requirement for SWP after one year, it's crucial to focus on mutual fund schemes that offer potential for high returns while considering the relatively short investment horizon. Here are some suggestions:

Large & Midcap Funds: These funds invest in a mix of large-cap and mid-cap stocks, offering a balance between growth potential and stability. Look for schemes with a track record of consistent performance and experienced fund management.
Sectoral/Thematic Funds: If you have specific sectoral preferences and are willing to take higher risks, you can consider investing in sectoral or thematic funds. These funds focus on specific sectors or themes like technology, healthcare, or infrastructure, offering the potential for higher returns but also higher volatility.
Aggressive Hybrid Funds: Aggressive hybrid funds invest primarily in equities with a smaller allocation to debt instruments. They are suitable for investors seeking growth with relatively lower volatility compared to pure equity funds.
Flexi Cap Funds: These funds have the flexibility to invest across market capitalizations based on market conditions. They offer a dynamic approach to asset allocation and can adapt to changing market trends.
Mid & Small Cap Funds: If you have a higher risk tolerance and a longer investment horizon, mid and small-cap funds can potentially offer higher returns. However, they also come with higher volatility and risk, so careful selection and monitoring are essential.
When selecting mutual fund schemes, focus on factors such as fund performance track record, fund manager's experience and strategy, expense ratio, and risk-adjusted returns. Additionally, consider diversifying your investments across multiple schemes to spread risk.

It's advisable to consult with a certified financial planner or investment advisor who can assess your financial situation, risk tolerance, and investment goals to provide personalized recommendations aligned with your needs and preferences.

...Read more

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
I have been laid off by my company and I have a PF balance of around 22 lacs. I read we are allowed to withdraw 75% if we are laid off and being unemployed at least for a month. I am thinking if it is a good idea to withdraw this 75% and invest in diverse options like mutual funds, FDs or corporate bonds which give better interest? I see mutual fund options in many apps these days with some good performing funds giving 33% returns on 3-year average. So should I consider investing at least 50% of my PF corpus in that option and balance in others? Please advice.
Ans: I'm sorry to hear about your job loss. With regards to your PF withdrawal, it's essential to carefully consider your options before making any decisions.

PF Withdrawal: Yes, you are eligible to withdraw up to 75% of your PF balance if you are unemployed for at least a month. However, withdrawing this amount means depleting your retirement savings, so it's crucial to evaluate the long-term implications.
Investment Options:
Mutual Funds: Mutual funds can offer potentially higher returns compared to traditional options like FDs. However, they also come with market risk, and past performance is not indicative of future results. Consider investing in a diversified portfolio of mutual funds across different asset classes and fund categories to mitigate risk.
FDs: FDs provide stable returns and capital protection but offer relatively lower returns compared to equity investments. They can be suitable for short to medium-term goals and for preserving capital.
Corporate Bonds: Corporate bonds can provide higher returns than FDs but carry credit risk associated with the issuer's ability to repay the debt. Investing in highly-rated corporate bonds or bond funds can offer a balance of risk and return.
Asset Allocation: Consider diversifying your investments across different asset classes to manage risk effectively. You may allocate a portion of your PF withdrawal to mutual funds for growth potential, while also keeping a portion in safer options like FDs or bonds for stability.
Financial Planning: Before making any investment decisions, I strongly recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can assess your financial situation, understand your goals and risk tolerance, and provide personalized recommendations aligned with your needs and objectives.
Emergency Fund: Ensure you have an adequate emergency fund to cover your living expenses for at least 6-12 months in case of unexpected financial setbacks.
Overall, prioritize prudence and long-term financial stability when deciding how to utilize your PF corpus. It's essential to strike a balance between risk and return based on your financial goals and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Money
Hello sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik
Ans: Hello Bharat,

It's commendable that you're seeking to balance your investments and diversify into equity through mutual funds. Here's a tailored recommendation for you and your mother:

Balancing Debt and Equity:

Emergency Fund: Ensure you have an emergency fund equivalent to at least 6-12 months of expenses kept in liquid instruments like savings accounts or short-term debt funds.
Debt Investments: Since you already have a substantial portion of your corpus in debt instruments, continue to maintain this allocation to ensure stability and regular income. Consider diversifying across different types of debt instruments for optimal risk management.
Equity Investments: Given your age and long-term investment horizon, it's prudent to gradually increase your exposure to equity through mutual funds. Start with allocating a portion of your investable surplus to equity funds.
Suitable Mutual Funds:

Diversified Equity Funds: Look for well-managed diversified equity funds with a proven track record of consistent performance. These funds offer exposure to a broad range of stocks across sectors and market capitalizations.
Balanced Advantage Funds: These funds dynamically manage the equity-debt allocation based on market conditions, making them suitable for investors seeking a balanced approach.
Large Cap Funds: Consider large-cap equity funds for stability and lower volatility. These funds invest in large, established companies with a track record of stable earnings.
Hybrid Funds: Opt for hybrid funds, which invest in both equity and debt instruments, offering a balanced approach to risk and return.
For personalized recommendations and to ensure your investment strategy aligns with your financial goals and risk tolerance, I recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can provide customized guidance based on your unique circumstances and help you navigate the complexities of financial planning.

...Read more

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 05, 2024Hindi
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Money
Hi Sir/Madam I have invested in various equity funds of different AMCs. Can I get any app or some kind of reliable advisor who can track my investments and suggest switching from non performing funds to performing funds. My goal is just wealth multiplication and I am aware of market fluctuations. During Covid, remained invested in all my equity mutual funds. Kindly guide.... Thanks and Regards
Ans: For personalized advice and guidance on your mutual fund investments, I recommend consulting a Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. MFDs with CFP qualifications can provide comprehensive financial planning services tailored to your specific goals, risk tolerance, and investment preferences.

Here are some benefits of working with an MFD with CFP credentials:

Holistic Financial Planning: A CFP-certified MFD can help you create a comprehensive financial plan that aligns with your long-term goals, including wealth multiplication through mutual fund investments.
Personalized Advice: They can offer personalized investment advice based on your individual financial situation, risk profile, and investment objectives.
Portfolio Review and Optimization: An MFD with CFP credentials can regularly review your mutual fund portfolio, identify underperforming funds, and recommend suitable switches to potentially better-performing funds.
Risk Management: They can assess your risk tolerance and recommend an investment strategy that balances risk and return to help you achieve your financial goals.
Regular Monitoring and Rebalancing: CFP-certified MFDs can provide ongoing monitoring of your investments and rebalance your portfolio as needed to ensure it remains aligned with your objectives.
By working with an MFD who is also a Certified Financial Planner, you can benefit from personalized, professional advice and guidance to make informed decisions about your mutual fund investments and overall financial plan.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Money
Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.
Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.
Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?
Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.
Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and 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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