Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Anu

Anu Krishna  |873 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 24, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
NJS Question by NJS on Aug 21, 2023Hindi
Listen
Relationship

Hello Madam I am professionally qualified.Living with Wife,Mother(90 years old) and Sister,Sister is sizophrenic patient since last 30 years .Inspite of Doctors advise to shift her to Institution for rehabilitation my mother is creating obstacles from shifting her.My sister made our life miserable my wife is suffering without any of her fault.Myself and my wife is deciding to stay separately.Kindly advise

Ans: Dear NJS,
It is about time that you sat your mother down and tell her about the perils of having your sister at home; she can be a threat to herself and hence the doctors have advised keeping her in an institution for rehabilitation.
Obviously your mother will be unable to see one of her children being taken away from her and put into an institution; it's not easy on a parent's heart...request the doctor to appeal to her and things might get better.

On your part, I empathize with what you have gone through and yes, it may not have been your wife's fault being part of all this BUT your sister isn't in her place on purpose or doing anything wilfully! You should know that schizophrenia is a mental illness and it requires constant care and attention. So your sister isn't being or doing what anyone else who isn't suffering from this illness does...

Be patient and kind that you have been so far and do the right thing for the family and your sister. I am sure that you know what must be done, so don't waver now. Do what's right!

All the best!

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |189 Answers  |Ask -

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

Asked by Anonymous - Jul 08, 2023Hindi
Listen
Relationship
I am 48 year old woman married for last 23 years. I live in a joint family with in laws and a unmarried sister in law of my age. I have two children, daughter aged 19 and son 16. My in laws did have cordial relationship among them and always lived in separate room. My sister in law also has severe depression and due that she is unmarried. Husband had a good job before pandemic but is not willing to work from last four years and is sitting at home. I don't have good relationship with my sister in law from day one without any reason. She finds faults with me. My in laws do not admit that sister in law has any depression. We don't have any social life. My in law does not let any one come in the house. This has taken a toll on my daughter who does enjoy social and avoids any interaction. My sister in law keeps on playing with strays dogs bringing them in the house and so my daughter. I am a working woman. I am very worried concerned and worried about my daughter although I have sent her in the hostel. The son is much affected and concentrating on his studies. Please help me.
Ans: I'm sorry to hear about the difficulties you're facing in your family. It seems like you're dealing with multiple challenges, including a strained relationship with your sister-in-law, your husband's unemployment, your in-laws' unwillingness to acknowledge your sister-in-law's depression, and the impact all of this is having on your children.

here are some suggestions that might help improve the situation:

Communication: Try to have an open and honest conversation with your husband about your concerns and the impact his unemployment is having on the family. Express your feelings and discuss possible solutions together.
Seek professional help: Encourage your sister-in-law to seek professional help for her depression. Offer your support and understanding, and let her know that you care about her well-being. If she is unwilling to seek help, you may want to consider talking to a mental health professional yourself for guidance on how to deal with the situation.
Family meeting: Arrange a family meeting involving your husband, in-laws, and possibly your sister-in-law (if she is willing). Share your concerns about the strained relationships and the negative impact on your children. Try to find common ground and work together to establish healthier dynamics within the family.
Establish boundaries: Talk to your husband and in-laws about the need for personal space and privacy. Explain how it's affecting your daughter's social life and well-being. Encourage them to be more open to allowing visitors and social interactions within reasonable limits.
Support for your children: Continue supporting your daughter and son by providing a nurturing and understanding environment. Encourage your daughter to explore her interests and engage in social activities outside of the family. Consider involving them in extracurricular activities, clubs, or organizations that align with their interests to help them build a supportive social network.
Seek external support: If the situation doesn't improve, consider reaching out to a therapist or counselor who can provide guidance and support to you and your family members. They can help you navigate through the challenges and offer strategies for coping with the situation.
Remember that it may take time to resolve these complex issues, and it's important to prioritize your own well-being as well. Take care of yourself and seek support from friends or other family members who can provide a listening ear and advice during this difficult time.

..Read more

Anu

Anu Krishna  |873 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  |189 Answers  |Ask -

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

Asked by Anonymous - Sep 29, 2023Hindi
Listen
Relationship
Madam, Myself and my wife are old (79 and 73 years of age). We have only child (son) aged 50 years. My son was academically very brilliant in his school and college days. But after chicken box disease in young age he developed cardiac problem.Doctor diagnosed it as Cardiomyopathy and he is still undergoing treatment. Due to this shock, my son became too depressed and totally is disabled. He also became a psychiatric patient, diagnosis being Schizophrenia. He is not able to self manage. He is not settled in life - No job and No marriage! The concern is: After we parents leave the world there are no relatives or friends volunteer to take care of him. How to get a solution for this? Shall be very grateful to receive your advice. Regards.
Ans: I'm truly sorry to hear about the challenging situation you and your family are facing. Caring for an adult child with complex medical and mental health issues can be incredibly difficult, especially when considering the future when you may not be there to provide support. Here are some steps you can take to plan for your son's care:

Consult with Professionals: Seek the advice of medical professionals, including your son's treating physicians and mental health providers. They can provide guidance on his current treatment plan and any potential long-term care needs.
Legal and Financial Planning: Consult with an attorney who specializes in elder law or disability law to help you establish the necessary legal documents and financial arrangements. This may include setting up a special needs trust, appointing a guardian, and creating a will that outlines your son's care and financial support after your passing.
Identify Caregivers: While you mentioned that there are no relatives or friends willing to take care of your son, it's essential to continue exploring potential options. You might consider reaching out to local support groups for parents of children with disabilities or mental health issues to connect with others who have faced similar challenges.
Government Assistance: Research government programs and benefits available to individuals with disabilities
Care Facilities: Investigate residential care facilities and group homes that specialize in providing care for adults with disabilities. Some facilities offer long-term care options that can provide a stable and supportive environment for your son.
Support Services: Look for local agencies and nonprofit organizations that offer support services for individuals with mental health issues and disabilities. They may provide assistance with housing, employment, and daily living skills.
Include Your Son in Planning: To the extent possible, involve your son in discussions about his future care and living arrangements. His input and preferences should be considered in the planning process.
Create a Support Network: Engage with local and online support communities for parents and caregivers of individuals with mental health and disability challenges. Connecting with others who have faced similar situations can provide valuable advice and emotional support.
Continuity of Care: Ensure that all essential medical and psychiatric records are well-documented and easily accessible for future caregivers. This will help provide a seamless transition in case of any changes in care providers.
Regular Updates: As your son's condition may change over time, it's crucial to periodically review and update your plans and arrangements to adapt to his evolving needs.
Remember that you are not alone in facing these challenges, and there are resources and professionals available to help you navigate this difficult journey. Seek guidance from experts and reach out to local disability organizations to explore available support and options for your son's future care.

..Read more

Kanchan

Kanchan Rai  |189 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 01, 2024

Asked by Anonymous - Jan 16, 2024Hindi
Listen
Relationship
Hi I am 64 years old. Still workig in a Private company. My mother is 85 years old and she is with me since my father's death in 1985. I have lost my brother in an accident in 1985. I have three sisters all are living in my city only. My mother is almost bedridden. My wife, 62 years old is a heart patient and recently she has fallen and her knee got fractured. My wife and my mother never liked each other and always quarrel. My mother , being very week and helpless, always scolds my wife. We have made an arrangement with a catering guy who takes care of my mother's lunch. But dinner i have to prepare everyday which i have been doing for the last 20 years. My three sisters often come to visit my mother and give her fruits etc etc to please her. The problem is they agree to keep my mother in their homes once in while for two or three days but i have to beg them always when i have to go for any functions or to visit places , temples. But they never come forward to support me even if i am sick or if i have to attend any marriages, functions. This gives a scope for my wife to quarrel with me and many times we have cancelled our tickets just to be at home to look after my mother. Please tell me what to do do. I am also becoming old and want to take my wife with me to attend functions and to show her the places, as a husband. And my wife always quarrels with me that if at this age when we are able to walk and capable of going to places, when can we go ? I am not able to convince my three sister(elder one is already bedridden so i can not ask her )_ nor i am in a position to do justice to my wife's pleas. Please suggest me.
Ans: Hello Sir,
It's clear that you're facing a challenging situation, juggling responsibilities between your elderly mother, your wife, and your own desire for some personal time. Balancing these caregiving responsibilities while maintaining a healthy relationship with your wife can be emotionally and physically exhausting. It's essential to find a balance that works for everyone involved, including yourself. Seeking support from your extended family, exploring professional caregiving options, and prioritizing open communication can contribute to finding a more sustainable and harmonious caregiving arrangement. Have an open and honest conversation with your sisters about your situation, expressing your need for support. Emphasize the strain it's putting on your relationship with your wife and the importance of having some time for yourselves. Consider organizing a family meeting where you can discuss the caregiving responsibilities and come up with a plan that works for everyone. This can help distribute the load more evenly and address any concerns or misunderstandings Explore the option of hiring a professional caregiver or nurse to provide assistance to your mother. This could ease the burden on you and provide a more structured care plan for your mother's needsTake care of your own health and well-being. Work with your sisters to establish a schedule for them to take turns caring for your mother. This way, you can plan your personal time in advance and ensure that your wife's concerns are addressed. Ensure you are not neglecting your physical and mental health in the midst of caregiving responsibilities.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 17, 2024Hindi
Listen
Money
Hi..I am 41 and currently having a home loan of around 50 lakhs...I am planning to repay the loan within next 5 years..I can invest around 50000 per month for the same...pls suggest which type of funds should I do SIP in? Flexi Cap or Agressive Hybrid funds are advisable in this case? I would want to continue investing in these SIPs even after my loan is repaid as my long term investment.
Ans: Investment Strategy for Home Loan Repayment and Long-Term Wealth Creation
Assessing Your Financial Goals
At 41, with a goal to repay a home loan of 50 lakhs in the next 5 years while continuing to invest for the long term, you need an investment strategy that balances stability and growth. You can invest 50,000 per month to achieve these objectives.

Recommended Investment Approach
Flexi Cap Funds for Growth and Flexibility:

Diversification: Flexi cap funds provide the flexibility to invest across market capitalizations (large, mid, and small caps) based on market conditions and fund manager expertise.
Growth Potential: These funds can adjust allocations dynamically to capture growth opportunities, making them suitable for both medium and long-term investments.
Risk Management: The diversified nature helps in managing risks, offering a balanced approach suitable for investors looking for growth with moderate risk.
Aggressive Hybrid Funds for Balanced Risk:

Equity-Debt Mix: Aggressive hybrid funds typically invest 65-80% in equities and the rest in debt instruments, providing a balance of growth and stability.
Moderate Risk: These funds are less volatile than pure equity funds due to their debt component, making them suitable for medium-term goals like loan repayment.
Stable Returns: The debt portion helps in cushioning against market volatility, providing relatively stable returns.
Suggested Strategy
Initial Focus on Debt Reduction:

Higher Allocation to Aggressive Hybrid Funds: For the next 5 years, prioritize aggressive hybrid funds to balance risk while aiming for steady returns. This will help you build a corpus for loan prepayments.
Example Allocation: Invest 30,000 per month in aggressive hybrid funds and 20,000 per month in flexi cap funds. This balance ensures that you can manage volatility while aiming for decent growth.
Post Loan Repayment Strategy:

Increase Allocation to Flexi Cap Funds: Once the home loan is repaid, you can shift a larger portion of your SIPs towards flexi cap funds to maximize growth for long-term goals.
Continued SIPs: Continue with the SIPs to build wealth over the long term, adjusting the allocation based on your risk appetite and market conditions.
Monitoring and Adjustment
Regular Review: Periodically review the performance of your funds and make adjustments if necessary. Ensure that your portfolio aligns with your financial goals and risk tolerance.
Rebalancing: Rebalance your portfolio annually to maintain the desired allocation between flexi cap and aggressive hybrid funds.
Conclusion
By investing in a mix of aggressive hybrid and flexi cap funds, you can effectively manage the repayment of your home loan while continuing to build long-term wealth. This strategy balances risk and growth, ensuring financial stability and growth potential.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Can I increase my pf contribution or can I invest money in SIP? PLS suggest which is best
Ans: Choosing Between Increasing PF Contribution and Investing in SIP
Evaluating Your Options
When deciding between increasing your Provident Fund (PF) contribution and investing in a Systematic Investment Plan (SIP), it’s important to consider your financial goals, risk tolerance, and the potential returns from each option.

Benefits of SIP Investments
Higher Potential Returns: Equity mutual funds generally offer higher returns compared to traditional savings schemes like PF. Over the long term, SIPs in well-managed equity funds can significantly outperform fixed-income investments.

Diversification: SIPs provide exposure to a diversified portfolio of stocks, which helps in spreading risk. This is particularly beneficial in the long term, as it reduces the impact of volatility on your investments.

Flexibility: SIPs offer flexibility in terms of investment amounts and the ability to pause or stop contributions if needed. This is particularly useful for managing cash flow.

Liquidity: Investments in mutual funds are more liquid compared to PF. You can redeem your SIP investments partially or fully without much hassle, depending on the fund’s exit load and redemption norms.

Tax Efficiency: While PF contributions are tax-free, SIPs in Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C. Additionally, long-term capital gains from equity funds are taxed at a favorable rate, enhancing post-tax returns.

Considerations for SIP Investment
Risk Appetite: Equity investments come with market risk. Ensure that your risk tolerance aligns with the volatility associated with equity markets.

Investment Horizon: SIPs are most effective when invested for the long term (5-10 years or more). This allows you to benefit from the compounding effect and market growth over time.

Goal Alignment: Align your SIP investments with specific financial goals such as retirement, children’s education, or buying a home. This helps in disciplined saving and tracking progress.

Recommended Strategy
Start or Increase SIPs: Begin or enhance your SIP investments in diversified equity funds. Given your age and long-term horizon, focus on a mix of large-cap, mid-cap, and flexi-cap funds to balance risk and reward.

Review Periodically: Monitor the performance of your SIPs regularly and make adjustments as needed. Rebalancing your portfolio ensures alignment with your financial goals and market conditions.

Continue PF Contributions: While SIPs are advantageous, maintaining your PF contributions is also important for a stable retirement corpus. PF provides a secure, risk-free return, which complements the higher-risk equity investments.

Conclusion
Investing in SIPs is a better choice for achieving higher returns and flexibility compared to increasing PF contributions. Ensure that your investment strategy aligns with your financial goals, risk tolerance, and long-term planning.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Sir good morning. I am 27 years old. I have been investing Rs 10000/- each in SBI Mid cap fund, Small cap Fund and Rs 10000 in ABSL Flexi cap fund and Rs 5000/- in HDFC Midcap funds. I may please be guided whether to continue or to switch to other funds. Thank you sir.
Ans: At 27, you're making proactive investment decisions, which is commendable. Let's review your current investment strategy and explore potential adjustments:

Assessing Your Current Portfolio
SBI Mid Cap Fund and Small Cap Fund: Mid-cap and small-cap funds offer growth potential but come with higher volatility. Consider your risk tolerance and investment horizon when evaluating these funds.

ABSL Flexi Cap Fund: Flexi-cap funds provide flexibility to invest across market capitalizations based on market conditions. They offer diversification and potential for growth.

HDFC Midcap Fund: Similar to SBI Mid Cap and Small Cap funds, HDFC Midcap Fund focuses on mid-cap stocks. Assess whether the overlap in mid-cap exposure across funds aligns with your diversification goals.

Considerations for Continuation or Switch
Performance: Evaluate the performance of your current funds relative to their benchmarks and peers. Consistent underperformance may warrant a review.

Fund Manager Track Record: Assess the track record and expertise of the fund managers managing your investments. Consistency in performance and adherence to investment objectives are key considerations.

Fund Objectives and Strategy: Ensure that the investment objectives and strategies of your funds align with your financial goals and risk profile.

Potential Actions
Review Fund Performance: Conduct a detailed analysis of the performance of each fund in your portfolio over different time periods.

Consult with a Financial Advisor: Consider consulting with a Certified Financial Planner (CFP) to review your investment strategy and explore alternative fund options based on your goals and risk tolerance.

Consider Diversification: Evaluate the need for diversification across asset classes and investment styles to mitigate risk and enhance long-term returns.

Conclusion
While your current investment strategy demonstrates a focus on growth-oriented funds, it's essential to periodically review your portfolio and make adjustments as needed. Assess the performance, objectives, and risk profile of your funds, and consider consulting with a financial advisor for personalized guidance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |2371 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Listen
Money
Hello sir, I want to invest some amount of money from my salary about 7000-8000 per month to meet my short term goals like marriage and buying a car in a horizon of 4-5 years , I am already invested in Mutual funds and Stocks for meeting my long term goal .My current age is 25 ,kindly suggest me some strategies for short term invest of 5 years.
Ans: Short-Term Investment Strategies for Achieving Your Goals
Assessing Your Short-Term Goals
With a horizon of 4-5 years, your objectives of funding a marriage and buying a car require a conservative investment approach to minimize risk while aiming for reasonable returns. Let's explore suitable strategies to meet these goals effectively.

1. Debt Mutual Funds
Consider allocating a portion of your monthly investment towards debt mutual funds, which offer stability and relatively lower risk compared to equity investments. Opt for short to medium duration debt funds or dynamic bond funds that provide potential for higher returns than traditional fixed deposits.

2. Recurring Deposits (RDs)
Investing in Recurring Deposits (RDs) can be a simple and convenient option to accumulate funds for short-term goals. RDs offer fixed returns with the flexibility of monthly contributions, allowing you to build a corpus gradually over time.

3. Liquid or Ultra Short-Term Funds
Liquid funds or ultra-short-term funds are suitable for parking your short-term savings, offering liquidity and stability. These funds invest in short-term debt securities, providing potential for higher returns than traditional savings accounts while maintaining capital preservation.

4. Systematic Investment Plans (SIPs) in Balanced Funds
Consider investing in SIPs in balanced funds, which offer a mix of equity and debt exposure, balancing growth potential with downside protection. Balanced funds can provide stability during market fluctuations while aiming for reasonable returns over the medium term.

5. Goal-Based Investing
Segment your short-term goals, such as marriage and car purchase, and allocate investments accordingly. Determine the required amount for each goal and set up separate investment accounts or portfolios to track progress towards achieving them.

6. Regular Review and Adjustment
Periodically review your investment strategy and make adjustments based on changing market conditions, goal timelines, and personal circumstances. Consider reallocating funds between investment options to optimize returns and manage risk effectively.

Conclusion
By diversifying your investments across debt mutual funds, RDs, liquid or ultra-short-term funds, and SIPs in balanced funds, you can create a robust short-term investment strategy to achieve your goals within the 4-5 year horizon. Stay disciplined in your savings approach and monitor your progress regularly to ensure you're on track to meet your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x