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Anu Krishna  |952 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 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
NK Question by NK on Oct 04, 2022Hindi

Hey Anu ji I hope you are doing well.
I am a 27-year-old woman, not married but engaged. I am a doctor by profession and we met through our parents. He is a pediatrician. I’m just MBBS. He is 33 and was damn good. Since the last few months there has been a sudden change in his behaviour and we have been fighting since then.
We knew each other since a year and moved in together last October.
I left my government job so that I could pursue my specialisation. I couldn't score a good rank due to which I couldn’t get admission.
My parents are not rich enough for me to apply in a private college. He always abuses my parents saying they are not rich enough.
He compares everything and has started talking to another specialist, a single woman.

I am handling all house chores -- from laundry to cleaning, even emptying dustbin and making his cup of tea.
He doesn't do anything except sleep, eat and work which is not so hectic because he is at a senior position.

Is it right that we are having sex 2-3 times per day from so many months?
Whenever I want to talk about something he asks for sex. If I say 'I need your attention and love' he gets grumpy and says 'you are always complaining.'

Since this is my first relationship, I am comprising a lot. He didn't even remember our first anniversary or the day we met.
In fact he stops talking to me since a month. He doesn’t pick up my calls or sees my messages.
I have to call a third person to convey my message to at least pick up a call.

Please help.
I’m too stressed and even thought of committing suicide because I love him. But he doesn't love me from the last 3-4 months.
I never get answers to my questions. He is like ‘I don't want to talk.’

He has become so egoistic and is behaving like a male chauvinist.
I have to prepare for my exam too. Because of all this stress I have started having panic attacks and anxiety.
I love him a lot but I can't stay in this relationship more. I can't bear the brunt. Only one-sided efforts are there from my side.
He stopped making any efforts to reconcile or talk.
I am an old school person. I lost my virginity to him but now I regret. Who will marry me knowing that I’m not a virgin anymore? Plzz help me


Dear NK,

When a partner does not validate your feelings and uses sex as a means to deflect from the problem, it’s a red flag, right?

So, what exactly do you get by being with him? Love cannot be a means to sell your very existence no matter who that is.

Call out such behaviour. Compromises do not form part of any relationship, contrary to what’s told to us.

Mutual understanding and gentle acceptance and most importantly loving compassion is what any relationship is all about.

When those efforts of yours are not being met with love and instead it has been ignored, what else are you going to do?

Not being able to respect a partner’s family and instead insulting them to feel better or prove a point, how do you think it is going to be in the future?

Do you see these red flags or are you simply choosing to close your eyes and pretend that everything is fine?

Do the right thing, for yourself and your being and welfare. Be strong like the way that you always have been.

My best wishes to you!

You may like to see similar questions and answers below


Anu Krishna  |952 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 24, 2022

Hi Anu,I m 32 yr old girl and been married in arrange marriage with a guy he is also 32 it's been one year.He is very harsh to talk to and I get usually very hurt because of his words. I always feel like walking out of this marriage for peace. He is very unromantic and ungrateful. On top of this our views on marriage, togetherness and sex are very different. I never had sex with him till now. And I don't feel like having sex with him. There are many fights between us. The way his mother and father talk I feel stuck in my life.There is no progress in career because constantly we are under tensions. My past relationships were very nice and sweet so I always happened to compare him with my ex in my mind. I don't know what happens to me. When he comes close to me I stop talking breaths. We just cuddle each other and hug but other things like kiss and sex I don't feel to have. Please guide me as soon as possible.

Dear RJ,

Is there any reason for not wanting to be sexually intimate?

Most often this is linked to some emotional distress or filters in the mind that you are unaware of and which could be interfering in the two of you coming closer together.

A good round of talks with your partner can help you express your exact feelings to him.

What is bothering you, what you feel you don’t receive from him, why is it that you are unable to reciprocate…these are a few things that you can discuss with him.

Also, spending quality time together can ease and spruce up things a bit.

Most often, we love throwing our feelings under the rug pretending that they will go away; but they don’t, they come back to haunt you at times that you least expect them to.

So, when you feel stuck, think of what you can do to get un-stuck? What are all things that you can think, feel and do to free yourself so that you not only feel good, but you also start to focus on things that matter; like for example your career.

Comparing one human to the another and expecting them to change and be someone else; could this be one of the reasons for you to not want the sexual intimacy?

Sex is one of the dimensions in a marriage and it can bring the couple closer.

So rather than thinking of what is going wrong, focus on how you can make things work and enable your partner to join this journey of bringing back finer and joyful moments in a marriage.

Be happy!

..Read more


Anu Krishna  |952 Answers  |Ask -

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

I am from Hyderabad. Age 40 years old . My name is XY and I’ve been married for 17 years. I have two boys. Ours is a love marriage.I felt like everything will be good and smooth but right after our elder kid was born my life changed. I am an MBA and several times I told my husband that I’d like to work. He said he’d help when the right time and opportunity comes. Until then I should nurture my kids as it's my responsibility and I should support him. But in the 2015, my kid noticed his chats with another lady. I was shocked because many times he’d refused sex with me. We’d get intimate maybe twice or thrice a year. I thought he was busy or maybe he doesn’t like my body. But when I caught him he said, what is over is over. Don't raise the topic. Leave me. I just kept quiet. He said what ever happened, I will be the same for my kids’ future sake. Many quarrels happened. But in 2020 his behaviour came to light. For example if I said anything, he'd punish me by not speaking to me for months. But he'd want me to wash his clothes and fulfil other necessities at home.Once I opened up and said I want to go for counselling. There he told the doctor, ‘She wants my property but she never allows me to care of my mom. She won't allow me to talk to my friends.’ I was shocked. I told him 'I never asked for money or property. I just want to quit.' I went home and told myself if he repeats this another time I won't take it for granted. But again in the month of February, he continued his behaviour. He shifted to another bedroom for a few months where he’d watch TV and have food. He'd even sleep in the kids’ bedroom. I stopped bothering. At some point, I felt like I deserved someone who trusts me.I want to quit because he thinks I am a loyal maid who will take care of kids and the household. He communicates with like ‘What I should get? Milk veggies etc?’ He never treats me with love and affection. Now everything is spoiled. I want to have a new life. I want to be set free from him. Please suggest what to do.

Dear XY,

And may I ask what exactly are you waiting for?

Why did you think that by you going for counselling, your husband will change his behaviour towards you?

How is that he cheats on you and still you allow him to treat you this way?

This only shows that you have lost your strength which you need most right now.

What if you were a strong independent woman who has been working?

Would you still subject yourself to this? You know the answer!

Bring back that woman who had dreams, who knew how to walk the path, who knew how a man should treat her, who knew what a marriage really is.

Can you do this?

Your kids need their mother to stand up for herself and do the right thing.

Be the woman who will not settle for anything that disrespects a woman or another human.

Seeing this, they will also know how to treat a woman and what a woman can bring into their lives.

Do the right thing, for yourself and them. Bring back that strong, independent woman who knew this and more.

Best wishes!

..Read more


Anu Krishna  |952 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 04, 2022

Dear Anu, I'm studying BTech final year. My love and I were in a relationship since 5 years. Things were fine till our diploma. I got a seat in another college which was far from our place. At the same time, he moved to his hometown for house construction. There he met a girl. She is 34. He used to talk a lot to her and got attached to her. He tells everything to me. He even said that people were spreading wrong rumours about them. I told him to stay away till things got better. Since then he has stopped telling me much. There was a recent fight in his hometown relating to both of them which annoyed him. He continues to say there is nothing wrong between both of us. He used to love me a lot. Whenever I felt insecure or if there was any mood swings he used to make me calm and relaxed. Now-a-days he always tells me ‘Wait. Don't call me.’ If I call him more, he just scolds me. There are no sweet talks or setting time aside for a call, and all. He even says ‘I promised that I'll be with her at any time in any problem and now because everyone is spreading rumours I can't break my promise to her.’ What about me? Didn't you promise to make me happy? I feel betrayed.I got angry and told him that my parents are seeing matches for me. His reply shook me. He said: 'Go, get married.’ I was like ‘you aren't the same.’ I don't understand what to do or how to set things right.My mental health is getting worse.

Dear S,

Your letter is very confusing to me.

I hope your post is genuine and not just to have fun…despite that I will consider it real and try to suggest what I can though I find your facts very contradictory.

Keeping the age factor aside, what I can say is: if someone does not treat you well, what’s the point waiting for that person?

If he isn’t interested in you, why are you chasing him?

Please make your world better by being around people who respect and value you and watch how beautiful it all becomes rather than searching and begging for love. He clearly isn’t into you anymore. So, move on…

All the best!

..Read more


Kanchan Rai  |237 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

Asked by Anonymous - Dec 27, 2023Hindi
Hi I am working in an compnay since 4 yrs i had and friendship with my senior and he ia married but staying alone. His family was at native place. We both r maaried and we know about we had family but now we are in relationships since 3 years. As his family was not here i helped him in every manner in covid situtation. We know pur priority is family first. But since his family is here from one year last. He has stopped chatting talking to me. Only we are mostly having one side fight. He is now feeling irritation in talking to me normally also. During my job i m doing better than also everytime he feels irritated. I dont know what to do. Now he is saying he dont have time. He dont want to leave me. But stopped everything's. Only when he needs help he speaks to me or replies to message. I dont want to leave my job nor complaint to someone. What shoul i do dont understand. I have ensured him that i dont want him also to leave his family. Nor i want to leavemy family. I m confused what to do. I have done everything for him and now he has forgot evething. He says he love me he dont want to leave me. But at this situtation what should i do.
Ans: Hello Ms.
It's important to approach this with sensitivity and consideration for everyone involved. Understand that his family is a significant part of his life, and he may need time to adjust to the changes. Respect his commitments and responsibilities towards his family. Think about the long-term implications of the relationship. Consider whether it's sustainable in the current circumstances and whether it aligns with your personal values and priorities. Take some time to reflect on your own feelings and the dynamics of your relationship. Consider whether this situation is bringing you happiness and fulfillment, or if it's causing you distress. Establish clear boundaries in your relationship to ensure that both of you are comfortable and that these boundaries are respected. If he is feeling overwhelmed or stressed with the recent changes in his family situation, it might be helpful to give him some space. Encourage open communication make sure you both are on the same page about the nature of your relationship and the level of communication you both desire.Be prepared for the possibility that the relationship may need to change or come to an end. Reflect on your own priorities and boundaries. Ensure that your relationship doesn't negatively impact your personal and professional life. It's essential to maintain a healthy balance and focus on your own well-being. While this can be difficult, it's important to prioritize your own well-being and the well-being of everyone involved.

..Read more


Kanchan Rai  |237 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 27, 2024

Asked by Anonymous - May 26, 2024Hindi
Hi, I am 31 year old with 1.5 year old son. I am leaving in joint family. I am a working woman. The problem with me is I feel the only person giving 100% in our relationship is me. Its been 2.5 years we got married, i am handling my expenses as I am working, i am not dependent on him but he never asks for my wishes. He never bough me anything not a single gifts, cakes anything even on special days like birthdays and our anniversaries. I am helping him in his EMIs of loan payments as well but i am not getting phisical or emotional support from him. He even gets angry when i ask for hugs. Sometimes if he gives hug he behaves like he is doing favour. Sometimes i cried at night but he didn't care and goes to sleep peacefully. When my mother in law and i got in argument he supports me less and everytime supports his mom. I helped him in paying in his sister's marriag also. He never takes mr to dates. Whenever we go outside everytime he take his family with us. He never talks to me or asks mr if I need anything. Even after coming from office he spends most of time on mobilr and watching tv. He didn't even take me to small trips, in last 2.5 year we haven't done any trips. He never tries to make me feel special. The worst part was i was alone every night during my pregnancy as hi was having night shifts at that time. When i cried infront of him that i need you tonight i am not feeling well, i am pregnant please be here with me, his answer was work is more important. Who is going to make money for our future and he left me crying at that day. I am feeling like i am the only one who is trying to keep this relationship alive. I am not getting what i expects from him. What to do in this situation.
Ans: I'm truly sorry to hear about the difficulties you're experiencing in your marriage. It sounds incredibly challenging and painful to feel unsupported and neglected, especially when you're putting so much effort into your relationship.

First, it's essential to acknowledge your feelings and needs. Reflect on what you truly desire from your marriage. What specific actions or behaviors do you need from your husband to feel loved and supported? Understanding your needs will help you communicate them more clearly.

When you're ready, find a calm and private moment to talk with your husband. Approach the conversation with the intention of expressing your feelings and needs without blaming or accusing him. You could say something like, "Over the past few years, I've been feeling very lonely and unsupported in our marriage. I know you work hard, and I appreciate that, but I also need emotional support and affection from you. It hurts when my needs are not acknowledged, and I feel like I'm the only one putting effort into our relationship."

Using "I" statements can help focus on your feelings without sounding accusatory, which can make your partner less defensive. For example, "I feel neglected when my emotional needs are not met," or "I feel hurt when you don't acknowledge my birthday or special occasions." This way, you're communicating your feelings without placing blame directly on him.

Be specific about what you need from him. Instead of making general statements, provide clear examples of what would make you feel better. For instance, you might say, "It would mean a lot to me if we could have some alone time, maybe go on a date once a month," or "I would love it if you could ask how my day was and really listen."

If talking to your husband directly doesn’t lead to any changes, consider seeking couples counseling. A therapist can provide a neutral space where both of you can express your feelings and work on improving your relationship. Counseling can help you both understand each other better and develop strategies to meet each other's needs more effectively.

Remember, it's crucial to take care of yourself during this process. Lean on friends or family for support, and consider speaking with a therapist on your own to help navigate these feelings and challenges. You deserve to feel loved, respected, and supported in your marriage, and it's important to advocate for your own well-being.

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Asked by Anonymous - Jun 15, 2024Hindi
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Career Counsellor - Answered on Jun 15, 2024

Hello sir Is it ok to choose mechanical engineering from Rvce banglore or CSE from NMIMS shirpur .
Ans: Divya, prefer CSE over Mechanical as far as Stream is concerned (more suitable for girls) though Mechanical Engineering is also a good Stream. Secondly, if you are more interested in CSE, compared to Mechanical, it is better to go for NMIMS. Your interest also matters for the next 4-years. Whatever Institute / University & Branch you choose, you should keep upgrading your skills from your 1st year itself till his Campus Placement during his last year, from LinkedIn, Coursera, NPTEL, Internshala etc. and / or any other online platforms, recommended by your College Faculties, to be COMPETENT among other Students.

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Ramalingam Kalirajan  |3728 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 15, 2024

Monthly VPF 25k, NPS 15k MF 30k is good
Ans: Evaluating Your Investment Strategy
Your current investment strategy of Voluntary Provident Fund (VPF) Rs 25,000, National Pension System (NPS) Rs 15,000, and Mutual Funds (MF) Rs 30,000 per month is a solid approach. It's important to assess this strategy comprehensively to ensure it aligns with your financial goals and risk tolerance.

Voluntary Provident Fund (VPF)
Security and Tax Benefits
Investing Rs 25,000 per month in VPF offers high security and tax benefits. VPF is an extension of the Employees' Provident Fund (EPF), allowing you to contribute more voluntarily. The returns are usually fixed and risk-free, making it an excellent choice for conservative investors.

Long-term Wealth Accumulation
VPF is suitable for long-term wealth accumulation. The compounding effect over the years can significantly grow your corpus, especially when combined with employer contributions. This ensures a substantial retirement fund, which is crucial for maintaining your lifestyle post-retirement.

Limited Liquidity
However, VPF has limited liquidity. Withdrawals are restricted, and premature withdrawals can incur penalties. This makes VPF less suitable for those who might need quick access to their funds. It’s important to balance VPF with other more liquid investments.

National Pension System (NPS)
Retirement-focused Investment
Allocating Rs 15,000 per month to NPS is a prudent choice for retirement planning. NPS is a government-sponsored pension scheme that offers a mix of equity, corporate bonds, and government securities. This diversification reduces risk and enhances returns over the long term.

Tax Advantages
NPS provides additional tax benefits under Section 80CCD(1B), over and above the Rs 1.5 lakh limit under Section 80C. This can lead to significant tax savings, making NPS a tax-efficient investment option.

Annuity Requirement
One notable feature of NPS is the mandatory annuity purchase upon maturity. While this ensures a steady income stream post-retirement, it can limit the lump sum availability. This is something to consider if you prefer having more control over your retirement corpus.

Mutual Funds (MF)
Diversification and Growth Potential
Investing Rs 30,000 per month in Mutual Funds offers the benefit of diversification and higher growth potential. Mutual Funds pool money from various investors to invest in equities, bonds, and other securities. This spreads risk and increases the chance of higher returns.

Actively Managed Funds Over Index Funds
Actively managed funds, as opposed to index funds, provide professional fund management aiming to outperform market indices. These funds adapt to market conditions, aiming to deliver superior returns. This can be more beneficial than passively tracking an index, which may not always capture market opportunities.

Regular Funds Over Direct Funds
Regular funds, purchased through a Certified Financial Planner (CFP), come with advisory support, making them a better choice than direct funds. A CFP helps you navigate market complexities, offers personalized advice, and ensures your investments align with your financial goals. This professional guidance often outweighs the slightly higher expense ratios of regular funds.

Flexibility and Liquidity
Mutual Funds offer flexibility and liquidity, allowing you to redeem your investments at any time without significant penalties. This feature makes them an ideal component of your investment portfolio, ensuring you have access to funds when needed.

Comprehensive Financial Planning
Balancing Risk and Return
Your current allocation balances risk and return effectively. VPF provides safety and guaranteed returns, NPS offers a balanced approach with tax benefits, and Mutual Funds enhance growth potential through market participation. This diversification reduces overall portfolio risk while aiming for optimal returns.

Aligning with Financial Goals
It's crucial to align your investments with your financial goals. Regularly review your portfolio to ensure it meets your short-term, medium-term, and long-term objectives. Adjustments may be necessary as your life circumstances and financial goals evolve.

Emergency Fund
While your investment strategy is robust, ensure you have an emergency fund. An emergency fund covers unexpected expenses, preventing you from dipping into your long-term investments. Typically, an emergency fund should cover 6-12 months of living expenses.

Health Insurance
Adequate health insurance is another essential component. Health emergencies can deplete your savings quickly. Having comprehensive health insurance protects your finances and provides peace of mind.

Risk Management and Contingency Planning
Evaluating Risk Tolerance
Understanding your risk tolerance is key. Your investments should match your comfort level with risk. If market fluctuations cause anxiety, you might need a more conservative approach. Conversely, if you can withstand volatility for higher returns, more aggressive investments may be suitable.

Regular Portfolio Review
Regularly reviewing your portfolio ensures it stays aligned with your goals and risk tolerance. Market conditions change, and so should your investment strategy. A Certified Financial Planner can assist in rebalancing your portfolio to maintain the desired risk-return profile.

Contingency Planning
Have a contingency plan for unforeseen events like job loss, medical emergencies, or other financial setbacks. This includes maintaining an emergency fund and having adequate insurance coverage. Contingency planning protects your long-term investments and financial stability.

Tax Planning
Maximizing Tax Benefits
Your current investments in VPF and NPS provide significant tax benefits. Ensure you are fully utilizing these benefits to reduce your taxable income. Combining these with tax-efficient Mutual Funds can optimize your tax planning strategy.

Long-term Tax Efficiency
Consider the long-term tax implications of your investments. Tax-efficient growth can enhance your overall returns. A Certified Financial Planner can help structure your investments to minimize tax liability while maximizing growth potential.

Professional Guidance and Support
Role of a Certified Financial Planner
Engaging a Certified Financial Planner offers personalized financial advice tailored to your unique situation. A CFP provides insights into market trends, helps in goal setting, and ensures your investments are on track to meet your objectives. This professional support is invaluable in navigating complex financial landscapes.

Avoiding Common Pitfalls
A CFP helps you avoid common investment pitfalls, such as emotional decision-making, lack of diversification, and inadequate risk management. With expert guidance, you can make informed decisions that enhance your financial well-being.

Final Insights
Your current investment strategy of Rs 25,000 in VPF, Rs 15,000 in NPS, and Rs 30,000 in Mutual Funds is well-structured. It offers a balanced approach, combining security, tax benefits, and growth potential. Regular reviews, professional guidance, and aligning investments with your goals are crucial for long-term success. Ensure you have an emergency fund and adequate insurance to safeguard your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Nayagam P

Nayagam P P  |364 Answers  |Ask -

Career Counsellor - Answered on Jun 15, 2024


Ramalingam Kalirajan  |3728 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 15, 2024

Asked by Anonymous - Jun 15, 2024Hindi
I am retired 62 years old. My PPF is non contributory and 25 years old and just accrue interest. Since I cannot contribute further I want to close my PPF and invest the proceed in hybrid mutual fund. Kindly advise.
Ans: Understanding Your Financial Landscape
At 62, retirement planning is crucial for securing your financial future. Your decision to re-evaluate your investment strategy is prudent and timely. Given that your Public Provident Fund (PPF) is 25 years old and non-contributory, it's wise to explore alternative investment options to potentially enhance your returns. However, before making any decisions, let’s delve into the intricacies of your current financial landscape and evaluate your proposed plan.

Evaluating PPF as an Investment
PPF has been a popular investment vehicle due to its tax benefits and guaranteed returns. Over the years, it has provided you with steady, risk-free interest accruals. However, since your PPF account has matured and is no longer accepting contributions, its role in your portfolio needs reassessment.

Benefits of PPF:

Tax Benefits: Interest earned and maturity proceeds are tax-free.

Safety: Government backing ensures low risk.

Decent Returns: Historically, PPF has offered moderate but stable returns.

Despite these benefits, the inability to contribute further limits its growth potential. With inflation eating into fixed-income returns, it's understandable to seek avenues offering potentially higher returns.

Exploring Hybrid Mutual Funds
Hybrid mutual funds can be a compelling option, especially for retirees seeking a balanced approach. These funds invest in a mix of equities and debt instruments, providing a blend of growth and stability. Let's explore why hybrid mutual funds could be suitable for your needs:

Advantages of Hybrid Mutual Funds:

Diversification: By investing in both equities and debt, hybrid funds spread risk across different asset classes.

Balanced Risk: Equities offer growth potential, while debt provides stability, making hybrid funds less volatile than pure equity funds.

Regular Income: Some hybrid funds are designed to offer regular dividends, which can be appealing for retirees needing periodic income.

Professional Management: These funds are managed by experienced professionals who adjust the portfolio based on market conditions.

However, not all hybrid funds are created equal. It’s important to choose funds aligned with your risk tolerance and financial goals. Working with a Certified Financial Planner can help identify the best options for your unique situation.

Disadvantages of Index Funds and Direct Funds
While you might come across suggestions for index funds or direct funds, it's crucial to understand their potential drawbacks.

Index Funds:

Limited Flexibility: Index funds passively track an index, limiting opportunities to outperform the market.

Market Dependency: They rise and fall with the market, which might not suit conservative investors seeking stability.

Direct Funds:

Lack of Guidance: Direct funds bypass intermediaries, which means you miss out on professional advice.

Complexity: Managing direct funds can be complex, especially for those unfamiliar with market dynamics.

Given these points, actively managed funds through a Certified Financial Planner offer a tailored approach, aligning investments with your specific needs and goals.

Steps to Reinvesting PPF Proceeds
Transitioning from PPF to hybrid mutual funds involves several steps to ensure a smooth and effective process:

1. Assess Financial Goals:

Determine your short-term and long-term financial objectives.

Consider your risk tolerance and income needs.

2. Liquidate PPF:

Initiate the process to close your PPF account and receive the maturity proceeds.

Ensure the funds are transferred to a savings account for easy access.

3. Consult a Certified Financial Planner:

Engage a CFP to analyze your financial situation and recommend suitable hybrid mutual funds.

Discuss your retirement income strategy and ensure alignment with your goals.

4. Select Suitable Hybrid Funds:

Choose funds with a good track record and align with your risk appetite.

Consider funds offering regular dividends if you require periodic income.

5. Monitor and Adjust:

Regularly review your portfolio's performance with your CFP.

Adjust allocations based on changing market conditions and financial needs.

Benefits of Professional Guidance
Working with a Certified Financial Planner brings several advantages:

Personalized Advice: Tailored investment strategies based on your unique financial situation.

Risk Management: Strategies to mitigate risks while aiming for growth.

Continuous Monitoring: Regular portfolio reviews and adjustments to stay on track.

Holistic Planning: Integration of all financial aspects, including tax planning and estate planning.

Balancing Growth and Stability
Hybrid mutual funds offer a balanced approach, but it's essential to strike the right balance between growth and stability. Here’s how:

Equity Component:

Invest in equity-oriented hybrid funds for potential capital appreciation.

Suitable for long-term growth but comes with higher volatility.

Debt Component:

Debt-oriented hybrid funds provide stability and regular income.

Lower risk compared to equities, but with modest returns.

Regular Reviews:

Periodic reviews ensure your portfolio remains aligned with your goals.

Adjustments based on market conditions help optimize returns.

Tax Implications
Switching investments can have tax implications. Here’s what to consider:

PPF Maturity:

Proceeds from PPF maturity are tax-free.

No immediate tax liability upon withdrawal.

Mutual Fund Investments:

Gains from hybrid funds are subject to capital gains tax.

Long-term capital gains (held over one year) are taxed at a lower rate than short-term gains.

Final Insights
Your proactive approach to reassessing your investment strategy at 62 is commendable. Moving from a matured PPF to hybrid mutual funds can offer a balanced blend of growth and stability. However, it’s essential to choose the right funds and align them with your financial goals. Engaging with a Certified Financial Planner will provide you with personalized guidance, ensuring your retirement years are financially secure and comfortable. This transition requires careful planning and regular monitoring to adapt to changing market conditions and personal needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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Nayagam P

Nayagam P P  |364 Answers  |Ask -

Career Counsellor - Answered on Jun 15, 2024

Hello sir My name is Paritosh Kumar and I am currently 23 years old last year I graduated in the field of science I have done BSE and I gave cat and xat but score was very low In 12th class I was preparing for Engineering entrance but I couldn't clear it in graduation I was preparing for management entrance but couldn't clear right now I have got a lot of demotivated but I know that it is my fault only I want to do something good in life and feel proud I am thinking of giving CAT exam again this year with good preparation so that I can target top management college along with I am also preparing little government exam can you give me CAT exam guidance and little bit life approach that how shell I should move from now as it is end of me coming so how should I move forward
Ans: Paritosh, You have NOT mentioned you have completed BSc in What? Anyway, here are some suggestions. (1) You will have to change your preparation strategies for your CAT & Govt. Exams (2) Analyze over your Syllabus / Questions asked in the Exams you appeared (3) Focus more on Difficult / Complicated / Tough / Lengthy / Wrongly Answered Questions & give more importance for high-weightage subjects like Maths (4) Prepare short notes, depending upon the Topics and which you think you might forget often. (5) You know a lot of things, but you will NOT remember many things. Every day, you should revise what you have studied during the day before going to bed for 30-40 minutes. (6) Also, you should keep revising frequently (weekly / bi-weekly / fortnightly the topics you have already covered, especially tough topics / subjects (7) Study for 35-45 minutes and take a 10-minutes break. If you study beyond 45 minutes, you will start losing your Concentration Power and output will be which you should avoid. (8) Prefer studying tough topics / subjects early morning when your mind will be 100% fresh (9) To keep yourself physically and mentally fit, do Yoga or Meditation or any other Physical Exercises at least for 30-minutes either morning or evening, whichever will be convenient to you. (10) You should have a minimum of 7.30 hours sleep. (11) Time Management is more important. All The BEST for your Bright Future. To know more on ‘ Careers | Education | Jobs | Professional Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Studying in Kota for JEE/NEET Suitable for You? | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Personality Development | Soft Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

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Nayagam P

Nayagam P P  |364 Answers  |Ask -

Career Counsellor - Answered on Jun 15, 2024

Asked by Anonymous - Feb 01, 2024Hindi
My daughter who is currently in 11th Standard and opted for commerce with physical education with fine arts as an extra subject, wants to pursue bachelor of designing. Please guide regarding career options after completion of this degree.
Ans: Steps now for your Daughter's Career in DESIGN after 12th. (1) From September onwards (when she will be in 12th Standard), she should start applying for minimum 5-Entrance Exams, meant for Design Courses such as, NID-DAT, UCEED, CEED, MIT-DAT, SEED & NIFT. (2) Now itself, should go through the Syllabus of All Entrance Exams and start preparing to be COMPETENT among other aspirants to get admission into one of the Top-Ranked Design Institutes in India with the desired Specializations. (3) There are multiple career options with specializations in Design field. It is advisable NOT to think over specailization now. She can decide by her 12th standard end. (4) She should shortlist minimum 5-Top Design Institutes & Top 5-Design Courses / Specializations she wishes to pursue for. (5) Immediately after the Results of Entrance Exams, please ask for best career options here in RediffGURU. We will be happy to help your daughter. All The BEST for your Daughter’s Bright Future.

To know more on ‘ Careers | Education | Jobs | Professional Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Studying in Kota for JEE/NEET Suitable for You? | Exam Preparation Techniques (Board | Entrance & Competitive)| Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach | Career Guru |

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