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Help! How can I control my extreme anger outbursts?

Anu

Anu Krishna  |1520 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 29, 2025

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
Asked by Anonymous - Jan 27, 2025Hindi
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Hey everyone, I came here to find a solution for my severe anger outburst. It is going to be a VERY lengthy one so please be with me. My parents are good people and like every other parent they have always wanted good for me. But whenever there is some problem, they tend to make personal attacks on me, especially things that make me severely insecure. So recently, I have lost my job. My parents impliedly misbehaved with me even before this. This is because I chose a course of my own choice, I selected a boy who has been with me through all my thick and thin and who respects my parents even more than his own family, still they question my choice just because the boy I selected is of dark skin and short in height. Losing my job was the last nail in the coffin. My parents have been misbehaving with me ever since then. I still did not say a word to them. They have their wedding anniversary today. While on our way back to home, I was upset because my sister had lost my ear phones the very day we started our journey to this trip. These earphones are expensive and were gifted to me by my boyfriend. My sister kept it casually and lost them. I still did not get angry about it and calmly stayed with my family throughout the trip. When we were getting in the car this morning, , my parents still showed no concern towards my problem and when I calmly tried to explain why it bothers me so much, they out of nowhere told me that "you lost your job because you're so non cooperative". I was appalled at their response. This really upset me and made me severely mad at them but still I had not more than app slight argument with them. Now when they stopped the car on the way to grab some morning tea, then also my mother said "Nobody liked you at your workolace and look at me everybody likes me at mine" . Not minding much, I started looking for my earphones and found it in some random corner of my seat. My family said many things after that but I kept mum. But I lost it after sometime and told them about how they never accept their mistake but it's always a problem when I do it. Just few days ago my sister misplaced my mother's earphones too and my mother ACTUALLY started crying sitting inside the restaurant but when she found her own earphones back, she casually said not more than a few lines to my sister and when I did it , it became an issue for them. The problem now begins. I could not take those personal attacks anymore. To be honest , my mother's marriage has not been happy. She has cried each day and has been upset on my father many times. I told them "why do you even want to celebrate your marriage when you have not been happy at all?' This is because she has been attacking my insecurities since morning and I could not take it. After that my mum burst out in anger and said such shameful things about me and my boyfriend. She literally started to abuse him. Now I was holding tea in my hand. Somehow my hand shook in anger and half the tea was spilled on my legs. In a fit of anger, I poured the remaining tea on my mother's side of the seat and also the tea cup. My family went nuts after this and even I was shocked to the core about what I did. So I seriously need your help or at least guide me in how I can overcome my anger issues because I seriously want to get out of it. I am tired of taking bad karma on my head. I really want to change.

Ans: Dear Anonymous,
If you really want to change, then you really need to stop REACTING. That's a tough thing to do especially when you are being provoked. Actually, it's a choice of whether you want to be provoked.
People say things from a place they are in; disappointment, anger, jealousy and so on...do you want to be a part of their drama that they are pulling you into? NO, right?
Then train your mind to deal with the anger and then train the mind to a place of no reaction. Is this possible? YES, with a mindset of minding your business and being unbothered by what your family says or does. This is mindset to be cultivated and it will take a while to do this.
What is the necessity to react when she attacks your boyfriend? Is he asking you to defend him? When you choose to react, that's when things get bigger. Sometimes just thinking about oneself and being in one's own space can prevent a lot of these continuing arguments and helps you get peace of mind.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Jan 31, 2025 | Answered on Jan 31, 2025
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Hi Ma'am, I would like to share one more incident. Do you think I have Intermediate Explosive Disorder? This same thing happened 2 years ago as well. I was preparing for a competitive exam. After giving my mock test at night, I went to bed to grab some rest. My sister stormed into the room and threw me out without any reason. I wanted to tackle the situation on my own, but did not do so because my parents told me that whenever your sister does something like this, come to us. I went to them telling about how she threw me out of my room, my parents ignored this problem and brushed it off. They said "your sister is like that and she won't change. We have given up on her" I wad appalled. I asked them "why do you fear her so much?" This triggered my mother and father. My mum came and pulled my hair back. My neck snapped. I attacked my mum afterwards. Later in the morning, I deeply regretted what I did and asked for forgiveness. They did forgive me but continued the same behaviour. I managed to tackle that because I had a job.
Ans: Dear Anonymous,
Giving me and yourself more instances will only prove a point that its is okay to be angry towards them. So, in order for a change to happen, these things need to pushed back so that you can indulge in a new way of handling things. When your parents see a change in you as you start to become unbothered, somewhere they will also start to question their immature way of doing things...
You take the first step...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna  |1520 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 19, 2023

Asked by Anonymous - Sep 02, 2023Hindi
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Hi Ma’am, My parents are not agreeing for my marriage with an intercaste marriage and this is not the first intercaste marriage one of cousin tried convincing their parents for 5 yrs but eventually gave up and opted for court marriage today they are very happy even their parents has also accepted the marriage. In my case , my parents are mocking me for my feelings and emotionally abusing me and have crossed all their limits. They know my boyfriend from class 10th and their family too but the only issue is with then what others will say . My mother called my boyfriend and kept on saying leave me alone and in return my boyfriend said aunty I know this is the big thing we will not take any drastic step and without your approval we will not get married and I’m willing to wait for your daughter even if it is waiting for for 5-6 yrs . We both are doing pretty good in our career we both have been so focused with out life. But after this call she kept on saying he’s very manipulative as he did not disrespect my mother and as a result of this my mother and father kept on harassing me by saying ill and foul words to me. They are so lost in their ego that I am suffering from 104 degree fever and they are ignoring this fact kept on saying foul words to me. My mother day and night she’s entering my room is saying Every second I’m giving you baddua ( wishing something bad happen to me) . I put forth my point but they are not in state of listening and somewhere very unhappy that I’m not financially dependent on them so they are keep bashing my job. I have stopped talking to them regarding this topic and just having very minimal conversation with them and I’m not misbehaving with them for this also they are scolding me they want to act normally and come sit with them.
Ans: Dear Anonymous,
Inter-faith marriages are still unaccepted in many societies and the challenges that come with it are not just with family acceptance but adapting and adjusting to different cultures, tastes etc...
Yes, on the one hand, love does not have any boundaries BUT massive changes in society have still not taken place to accept inter-faith marriages and your parents also belong to that very same society that hinders more than supports.
It has come down to a choice for you now!
Family or your Love?
If you choose Family, all will be well except you and your boyfriend. It will be giving up what you dreamed of together.
If you choose Love, you can of course live life on your terms but your family may vow to never see you again (it seems evident from all the vibes at your home).
Since, you are financially independent, you are in a better position to decide BUT it is going to be a decision that will leave someone unhappy. Who that is going to be and whether you can harden yourself with it is the question!
Now, Family and Love can go hand in hand only when both integrate which means an uphill task for both sides to negotiate, navigate and live in harmony. If this can be achieved by some neutral person bringing both sides together, please attempt this first before making a final decision. But make the choice soon, so there is a resolution either way.

All the best!

..Read more

Kanchan

Kanchan Rai  |545 Answers  |Ask -

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

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

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

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

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

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

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

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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I am selling my 3bhk flat around 6000000 is it compulsory to invest that money in other property? if i want to invest it what is the best options available to avoid tax?
Ans: Selling a property attracts capital gains tax. Since your flat is a long-term capital asset (held for more than 2 years), the Long-Term Capital Gains (LTCG) tax rate is 20% with indexation.

LTCG Calculation = Sale Price - Indexed Cost of Acquisition
Tax Payable = 20% on the LTCG amount
However, you can avoid paying tax by reinvesting the capital gains under certain sections of the Income Tax Act.

Ways to Save Capital Gains Tax
1. Reinvest in Another Residential Property (Section 54)
If you buy another residential property within 2 years or construct within 3 years, you get an exemption on the LTCG amount.
The new property must be in India and should be held for at least 3 years.
If you sell it before 3 years, the exemption is reversed.
? Best for: Those who want to own another property.

2. Invest in Capital Gains Bonds (Section 54EC)
You can invest up to Rs 50 lakhs in NHAI or REC capital gains bonds within 6 months of sale.
The lock-in period is 5 years.
Interest is taxable but the capital gains are exempt.
? Best for: Those who want a risk-free investment with tax savings.

3. Deposit in Capital Gains Account Scheme (CGAS)
If you haven’t decided where to invest, deposit the LTCG in a Capital Gains Account Scheme (CGAS) before the IT return filing deadline.
This gives you time to buy property or construct a house.
The funds must be used within 3 years, or they become taxable.
? Best for: Those who need time before investing in real estate.

Other Investment Options (But No Tax Exemption)
If you don’t reinvest in property or bonds, the LTCG amount will be taxed at 20%. You can still invest the remaining amount in:

Mutual Funds – Equity funds for long-term growth
Fixed Deposits – Safe returns but fully taxable
Stock Market – High risk, high return potential
These options do not offer tax exemption but help grow wealth.

Final Insights
If you want tax-free gains, reinvest in property or capital gains bonds.
If you don’t want to lock funds, pay LTCG tax and invest in other assets.
Use the Capital Gains Account Scheme if you need time to decide.
Plan based on your financial goals and liquidity needs.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Dear Sir, i'm 27 years old and wish to retire by 50. I live in my own home and investing 50k monthly sip to below funds from past 1 year. 20k tata small cap/ 10k parag parekh flexi cap/ 20k motilal oswal mid cap. Could you please guide me in long term if this would be sustainable or require some adjustments in funds or distribution? I'm hoping for higher returns to have enough big corpse at the time of retirement so not included large cap funds.
Ans: You are investing early, which is a great decision. Your goal of retiring at 50 is ambitious. A strong investment strategy will help achieve it.

Current Investment Overview
SIP Contribution – Rs 50,000 per month
Fund Allocation
Small Cap – Rs 20,000
Mid Cap – Rs 20,000
Flexi Cap – Rs 10,000
Investment Duration – 1 year completed
Key Observations
1. High Risk Allocation – Need for Balance
Your portfolio is heavily tilted toward small and mid caps.
These funds offer high returns but come with volatility.
A more balanced allocation will reduce risk.
2. Absence of Large Cap Exposure
Large caps provide stability in market downturns.
A portion of the portfolio should be in large-cap funds.
This will reduce portfolio fluctuations over time.
3. Flexi Cap Fund – Good Choice for Diversification
This fund type adjusts between market caps.
It provides flexibility based on market conditions.
Retain this fund for better risk management.
Recommended Adjustments
1. Optimizing Fund Distribution
Reduce small-cap allocation from Rs 20,000 to Rs 15,000.
Reduce mid-cap allocation from Rs 20,000 to Rs 15,000.
Add a large-cap fund with Rs 10,000 allocation.
Increase flexi-cap allocation from Rs 10,000 to Rs 15,000.
2. Adding Debt for Stability
As you get closer to retirement, reduce equity exposure.
Start a small allocation in debt funds after 40.
This will ensure capital protection.
3. Tax Planning Considerations
Capital gains tax will apply when you redeem funds.
LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Plan withdrawals in a tax-efficient manner.
Final Insights
Continue SIPs with a more balanced allocation.
Add large-cap funds for stability.
Include debt funds closer to retirement.
Plan tax-efficient withdrawals in the future.
This strategy will ensure a strong retirement corpus.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Hi ... I have been very bad a financial planning and have been living the good life without really bothering about the future. I am 48 and work with a MNC and make around 4.5L per month after taxes. I am married with a 17 yr old son who's in 11th. I currently have savings in my bank and equity to the tune of 35L. I have been investing around 80K per month in SIP's for the last 3 years. I have an apartment which is worth around 4cr now and I have a home loan of around 1cr remaining on it. In addition, I have a personal loan of around 40L taken for home interiors (4 more years pending on it). I feel I am not really set up well for my retirement. What would you suggest? My monthly expenses after all this do not have any room for savings.
Ans: You have a strong income and investments. But high loans are affecting savings. You need a structured plan to reduce debt and secure retirement.

Current Financial Overview
Income

Rs 4.5 lakh per month after taxes
Investments & Savings

Rs 35 lakh in bank and equity
Rs 80,000 SIP per month (3 years)
Assets

Apartment worth Rs 4 crore
Loans

Home loan: Rs 1 crore remaining
Personal loan: Rs 40 lakh (4 years left)
Expenses

No room for additional savings after all expenses
Key Financial Concerns
1. Home Loan & Personal Loan – Priority on Repayment
Loan EMIs are affecting savings.
Reduce home loan tenure by increasing EMI, if possible.
Try to prepay the personal loan first. It has a higher interest rate.
Avoid taking more loans until these are cleared.
2. Retirement Planning – Building a Strong Corpus
Your current savings are low for retirement. You need a better plan.

Increase SIPs when personal loan is cleared.
Allocate funds across equity and debt for long-term growth.
Consider PPF, EPF, and debt funds for stability.
Gradually move funds to safer investments as retirement nears.
3. Son’s Higher Education – Plan Early
Your son will enter college in two years. You need a dedicated fund.

Start a separate SIP to cover education costs.
Use debt funds for short-term needs.
Avoid withdrawing from retirement savings for education.
4. Insurance – Protect Your Finances
Ensure you have term insurance of at least Rs 1.5 crore.
Maintain health insurance for family with a high cover.
Avoid traditional insurance plans with low returns.
Final Insights
Focus on repaying personal loan first.
Prepay the home loan gradually for financial freedom.
Increase SIPs once debt reduces.
Start a dedicated education fund for your son.
Build a diversified retirement corpus with equity and debt.
A disciplined approach will secure your future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Hello Sir, I am 49 Yrs of Age and working in Private Firm in Mid Management. Today my monthly expenditure is around 40000 and wants to retire at the age of 59-60. But my daughter is of 4 yrs only . As on date I invest on SIP - Monthly 40K and Equity - 1.5 Lks.. Portfolio of around 19 Lks. I have purchased two Flats -01 is free debt and on another Housing Loan of 21lks is upto 2032. FD is of around 35Lkhs. PF balance is of now- 22lkhs and PPF of Rs 6 lkh . Mediclaim for family of 50lkhs per year. Under 80 C - monthly premium of around 25 K along with terms plan of 50Lkhs. I want to purchase open plot in Nagpur for investment and future planning, Funds i will use from FD of around 25 Lks..is this wise decision? Also I have 35 lks parental Property but it will transfer to me after 10 Yrs .....Pls advise how to secure my daughter future and his education and also post retirement my expenditure.
Ans: You have a well-structured portfolio with SIPs, equity investments, FDs, and real estate. Your focus on retirement at 59-60 and securing your daughter’s future is crucial. Let’s assess your financial standing and guide you towards a more structured approach.

Current Financial Overview
Investments

SIP: Rs 40,000 per month
Equity: Rs 1.5 lakh lump sum investment
Total Portfolio: Rs 19 lakh
Real Estate

One flat is debt-free
Second flat has a Rs 21 lakh home loan till 2032
Fixed Deposits

Rs 35 lakh in FD
Provident Fund & PPF

PF Balance: Rs 22 lakh
PPF: Rs 6 lakh
Insurance & Tax Savings

Mediclaim: Rs 50 lakh per year
Life Insurance: Rs 50 lakh term plan
Monthly insurance premium under 80C: Rs 25,000
Future Real Estate Plan

Planning to invest Rs 25 lakh in an open plot in Nagpur
Parental Property

Rs 35 lakh property expected to be transferred in 10 years
Key Financial Considerations
1. Should You Invest Rs 25 Lakh in an Open Plot?
Real estate is not liquid, making it difficult to use in emergencies.
Selling at the right price may take years.
Property maintenance and legal issues can add costs.
Instead, consider investing in equity or mutual funds for higher flexibility.
It’s better to keep Rs 25 lakh diversified in liquid investments rather than real estate.

2. Retirement Planning – Securing Post-Retirement Expenses
Your current monthly expense is Rs 40,000. This will rise due to inflation. You need a solid retirement corpus.

Continue SIPs and Increase Contribution Yearly

Rs 40,000 SIPs are good, but increase them by 10% yearly.
This ensures long-term wealth creation.
Allocate FD Funds Wisely

FD returns are low and taxable.
Shift a portion to equity and hybrid funds for better growth.
Utilise PF and PPF Efficiently

PF will grow by retirement but won’t be enough alone.
Continue PPF for stable, tax-free returns.
Debt Fund Investments for Stability

Gradually move funds to debt funds five years before retirement.
This protects against market volatility.
Health Insurance is Well-Planned

Rs 50 lakh mediclaim is a strong financial shield.
Ensure coverage continues post-retirement.
3. Planning for Your Daughter’s Future
Your daughter is just four years old. You need a structured education and marriage fund.

Start a Separate SIP for Her Education

Allocate at least Rs 15,000 per month in equity funds.
Increase by 10% annually to cover rising education costs.
Use Debt Funds for Short-Term Needs

For school fees or immediate expenses, use debt funds.
These are safer than FDs and provide better returns.
Avoid Child ULIPs or Traditional Insurance Plans

These give low returns with high charges.
Instead, use mutual funds for higher growth.
Consider a Sukanya Samriddhi Account

This provides tax-free returns and stability for long-term goals.
Invest a small portion to diversify savings.
Final Insights
Avoid investing Rs 25 lakh in an open plot.
Increase SIPs yearly and allocate part of FD funds to mutual funds.
Start a dedicated education fund for your daughter.
Focus on equity growth while gradually securing assets in debt before retirement.
With structured planning, you can achieve financial security for yourself and your daughter.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 17, 2025Hindi
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Hi Sanjeev sir,I am 37 years old.I am an aggressive investor.I want to invest in mutual fund sip 35k ever month with 10% step up every year. I have 10 k PPF evey month. I need corpus of 20crore after 25 years . Please advise me what funds should be in my portfolio to achieve my goal? What fund should I take and what amount? Thanking you
Ans: Investment Plan for a Rs 20 Crore Corpus in 25 Years
Your goal is clear, and your approach is strong. You are already investing Rs 35,000 in SIPs with a 10% step-up, along with Rs 10,000 in PPF. Achieving Rs 20 crore in 25 years requires discipline, strategic fund selection, and regular review.

Your current approach of systematic investments, step-up, and long-term horizon works in your favour. However, the choice of funds and asset allocation will be crucial.

Equity Allocation for Aggressive Growth
Since you have a long horizon and an aggressive mindset, equity should dominate your portfolio. A well-diversified portfolio across different equity categories is needed.

Large-Cap Funds (30%)

These funds provide stability and consistent returns.
They invest in India’s top companies, reducing volatility.
Suggested allocation: Rs 10,500 per month.
Mid-Cap Funds (25%)

These funds offer a balance of growth and risk.
They can deliver high returns over the long term.
Suggested allocation: Rs 8,750 per month.
Small-Cap Funds (20%)

These funds have the highest potential for growth.
They are volatile but can generate superior returns.
Suggested allocation: Rs 7,000 per month.
Flexi-Cap Funds (15%)

These funds dynamically allocate across large, mid, and small caps.
They offer flexibility based on market conditions.
Suggested allocation: Rs 5,250 per month.
Value or Contra Funds (10%)

These funds invest in undervalued companies.
They are good for long-term wealth creation.
Suggested allocation: Rs 3,500 per month.
Role of PPF in Your Portfolio
You are investing Rs 10,000 per month in PPF, which provides a stable, tax-free return.

Advantages:

Provides safety and tax benefits.
Acts as a diversification tool.
Limitations:

Returns are lower compared to equities.
Lock-in period restricts liquidity.
Keeping PPF is fine for stability, but don’t rely on it for aggressive wealth creation.

Importance of Step-Up SIP Strategy
Your 10% annual SIP increase is excellent. It ensures:

Your investments grow in line with inflation.
Higher compounding benefits over time.
Lesser burden in later years.
Stick to this plan to maximise your corpus.

Asset Rebalancing & Portfolio Review
Review your portfolio every year.
Rebalance if allocation drifts significantly.
Continue investing in quality funds with strong track records.
Avoid switching funds frequently. Long-term compounding is key.

Final Insights
You are on the right track with SIPs and step-up strategy.
A well-diversified portfolio across large, mid, small, flexi, and value funds is ideal.
PPF adds safety but is not a high-return vehicle.
Stick to long-term investing and review annually.
With discipline and patience, Rs 20 crore in 25 years is achievable.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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I am investiing in below mutual funds, Axis small cap fund regular growth - 1k Franklin Build india fund regular growth -4k Hdfc small cap fund regular growth - 4k icici blue chip fund regular growth - 2k Icici value discovery fund regular growth - 4k Nippon India small cap fund regular growth - 4k Mirae assest large cap fund regular growth - 2k sbi bluehip fund regular growth - 1k sbi small cap fund regular growth - 3k please advice shall I continue in the current market situation or withdraw? Regards Radhakrishna
Ans: Your commitment to investing is commendable. Let's evaluate your current mutual fund portfolio and provide guidance tailored to the current market conditions.

Current Market Overview

As of February 2025, the Indian equity market has experienced notable volatility. Benchmark indices like the Nifty 50 and S&P BSE Sensex have declined by approximately 10-11% from their peaks in September 2024. Mid-cap and small-cap segments have faced even sharper corrections, with the BSE Small Cap Index and BSE Mid Cap Index falling by 18.3% and 17.9%, respectively.
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Analysis of Your Portfolio Composition

Your portfolio includes investments in various mutual funds across different categories. Here's a breakdown:

Small-Cap Funds: A significant portion of your investments is allocated to small-cap funds. While these funds offer high growth potential, they also come with increased volatility, especially during market downturns.

Large-Cap Funds: You have exposure to large-cap funds, which are generally more stable and resilient during market fluctuations.

Thematic and Sectoral Funds: Your investment in thematic funds focuses on specific sectors, which can be cyclical and may experience periods of underperformance.

Recommendations

Review and Rebalance Your Portfolio

Assess Overlap: Evaluate the degree of overlap between your funds to ensure diversification. Tools like the mutual fund portfolio overlap tool can help identify common holdings.
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Adjust Allocations: Consider reducing exposure to small-cap funds if they constitute a large portion of your portfolio. Reallocating to large-cap or diversified equity funds can provide more stability.

Stay Invested with a Long-Term Perspective

Market Corrections Are Normal: Short-term volatility is inherent in equity markets. Historically, markets have rebounded over time, rewarding patient investors.

Avoid Panic Selling: Withdrawing investments during downturns can lock in losses. Maintaining your investments allows you to benefit from potential market recoveries.

Continue Systematic Investment Plans (SIPs)

Rupee Cost Averaging: Continuing SIPs during market lows allows you to purchase more units at lower prices, potentially enhancing long-term returns.

Discipline Over Timing: Regular investments mitigate the need to time the market, fostering a disciplined approach.

Consult a Certified Financial Planner

Personalized Advice: A Certified Financial Planner can provide guidance tailored to your financial goals, risk tolerance, and investment horizon.

Tax Efficiency: Professional advice can help optimize your portfolio for tax efficiency, especially with recent changes in capital gains taxation.

Final Insights

In the current market scenario, it's advisable to stay invested and avoid making hasty decisions based on short-term volatility. Rebalancing your portfolio to align with your risk tolerance and financial goals, while continuing with disciplined investment strategies like SIPs, can position you well for long-term wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 17, 2025Hindi
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Please suggest some good MF to be invested at this time (Feb/Mar 2025) for long term as the market is down. Thanks
Ans: The stock market is currently experiencing a downturn. This can be unsettling for investors. However, such phases often present opportunities for long-term investments. Historically, markets have rebounded over time, rewarding patient investors.

Benefits of Investing During Market Lows

Potential for Higher Returns: Investing when prices are low can lead to significant gains as the market recovers.

Rupee Cost Averaging: Regular investments during downturns can average out the purchase cost, reducing the impact of market volatility.

Recommended Mutual Fund Categories for Long-Term Investment

Large-Cap Equity Funds

Stability: These funds invest in well-established companies with a strong track record.

Resilience: Large-cap companies often withstand market downturns better than smaller firms.

Diversified Equity Funds

Broad Exposure: These funds invest across various sectors and company sizes.

Risk Mitigation: Diversification helps in spreading risk, potentially leading to more stable returns.

Balanced or Hybrid Funds

Equity and Debt Mix: These funds combine equity investments with debt instruments.

Reduced Volatility: The debt component can cushion against market fluctuations, offering a balanced risk-return profile.

Importance of Professional Guidance

While mutual funds are accessible, selecting the right ones requires expertise. Consulting a Certified Financial Planner can provide personalized advice based on your financial goals and risk tolerance.

Final Insights

Investing during market downturns can be advantageous for long-term wealth creation. By choosing suitable mutual fund categories and seeking professional guidance, you can navigate the current market conditions effectively.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8001 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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sir, I should invest 2.81 Cr as advised by you in order to get 200,000 every month after 1 year
Ans: To achieve the goal of receiving Rs 2,00,000 every month after one year by investing Rs 2.81 crore, let’s break it down step by step, taking into account your financial goals and the best investment strategy.

Target and Investment Goal
Objective: Generate Rs 2,00,000 monthly starting after 1 year from your investment of Rs 2.81 crore.
This requires a consistent, sustainable income from your investment corpus to cover monthly expenses.
Your goal is to create a balanced, low-risk, yet growing portfolio that will generate reliable income without too much volatility.
Analysis of Rs 2,81 Crore Corpus
Required Monthly Income: Rs 2,00,000

Annual Income Requirement: Rs 24,00,000

This means your investment should generate approximately 8.5% per annum return to meet your monthly income requirement of Rs 2,00,000.

Evaluating the Risk and Returns:

Generating 8.5% annually is achievable through a combination of equity, debt, and hybrid funds, with the right asset allocation.
Investment Strategy to Generate Monthly Income
1. Dividing the Corpus Between Equity and Debt
Equity Allocation (50% - Rs 1.4 crore):

Equity funds offer higher returns over the long term, typically ranging between 10% and 15% per annum.
Actively managed equity funds can help outperform market averages by focusing on high-quality companies with growth potential.
Debt Allocation (50% - Rs 1.4 crore):

Debt funds can provide stable, low-risk returns of around 6% to 8% per annum.
You should focus on a mix of corporate bond funds and government securities.
This will help reduce the overall volatility in the portfolio while ensuring that you meet your income goals.
2. Monthly Withdrawal Strategy
To generate Rs 2,00,000 monthly, it’s essential to balance withdrawals and growth within the portfolio.
Ideally, start by withdrawing Rs 1,00,000 from debt instruments (safer) and the remaining from equity-based investments.
Rebalancing should occur periodically to make sure the equity and debt portion remain aligned with market conditions.
3. Investing Through Mutual Funds
Regular Funds vs Direct Funds:
Direct Funds may seem attractive due to lower expense ratios, but they require more knowledge, time, and expertise to manage effectively.
Regular Funds, when invested through a Certified Financial Planner (CFP), ensure you get professional guidance, reducing risk and improving long-term returns.
CFP’s expertise can help in identifying the right mutual funds that meet your specific needs and risk tolerance.
Disadvantages of Index Funds
Index Funds track the market, offering limited returns compared to actively managed funds.
They are typically low-cost, but in the long run, actively managed funds can offer better returns by selecting high-growth stocks.
With active funds, you benefit from expert selection that helps outperform the market over time.
Index funds may also suffer during market downturns as they simply follow the market without protection from declines.
Final Insights
Monthly Income: By investing Rs 2.81 crore in a balanced portfolio of equity and debt, it’s realistic to generate Rs 2,00,000 per month starting in one year.
Strategic Withdrawals: Divide the withdrawals across both equity and debt, and review the portfolio regularly to ensure steady growth.
Professional Help: Work with a Certified Financial Planner to optimize your investment strategy, ensuring the best results without excessive risk.
Long-Term Approach: Though your immediate goal is monthly income, your investments must continue to grow in the background to maintain purchasing power as inflation rises.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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.

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