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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 18, 2023

Ashish Sehgal has over 20 years of experience as a counsellor. He holds a doctorate in neuro linguistic programming, mental health and social welfare.He is certified in neurolinguistics by both the Society of NLP and the American Board of NLP.... more
Niranjan Question by Niranjan on Jun 12, 2023Hindi
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How to overcome fear in life

Ans: Overcoming fear is a personal and gradual process, but here are some strategies that can help:

Identify and acknowledge your fears: The first step in overcoming fear is to identify what you're afraid of and acknowledge its presence in your life. Take the time to reflect on the specific fears that hold you back and recognize that they are valid emotions.

Understand the root cause: Try to understand the underlying reasons behind your fears. Sometimes fears stem from past experiences, trauma, or limiting beliefs. By gaining insight into the root causes, you can begin to address them more effectively.

Educate yourself: Knowledge is power. Often, fear arises from a lack of understanding or unfamiliarity. Educate yourself about the things you fear. Whether it's a specific phobia or a fear of the unknown, gathering information and learning more about the subject can help dispel irrational fears.

Take small steps: Overcoming fear doesn't mean completely eliminating it overnight. Start by taking small steps towards facing your fears. Break down the fear-inducing situations into smaller, more manageable tasks. Gradually exposing yourself to these situations can help build confidence and reduce fear over time.

Practice relaxation techniques: Fear can trigger physical and emotional responses, such as increased heart rate, sweating, or anxiety. Practicing relaxation techniques, such as deep breathing exercises, meditation, or mindfulness, can help you manage these symptoms and calm your mind.

Seek support: Don't hesitate to reach out for support. Share your fears with a trusted friend, family member, or therapist who can provide encouragement, guidance, and a fresh perspective. Connecting with others who have faced similar fears can also be beneficial.

Challenge negative thoughts: Fear often accompanies negative thoughts and self-doubt. Challenge these thoughts by examining their validity and replacing them with more positive and empowering ones. Affirmations and positive self-talk can help reframe your mindset and reduce fear.

Embrace failure as a learning opportunity: Fear of failure can hold you back from taking risks or pursuing your goals. Remember that failure is a natural part of life and often leads to growth and learning. Embrace failure as an opportunity to learn, adjust, and try again.

Celebrate your successes: Acknowledge and celebrate your achievements, no matter how small they may seem. Each step you take in facing your fears and overcoming obstacles is progress worth recognizing. Celebrating your successes can boost your confidence and motivate you to continue moving forward.

Remember, overcoming fear takes time and patience. Be kind to yourself throughout the process, and don't hesitate to seek professional help if your fears are significantly impacting your daily life and well-being.

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Dr Ashish

Dr Ashish Sehgal  |119 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

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I am 32 years suffering from Anxiety problems from many months, so I need suggestions on how can I overcome
Ans: While I can't offer specific medical advice, I can share some general suggestions that may help you manage your anxiety. It's important to remember that these are just starting points, and seeking professional help from a therapist or counselor is crucial for addressing anxiety effectively.

Understanding Your Anxiety:

Identifying triggers: What situations or thoughts typically trigger your anxiety? Recognizing these triggers can help you anticipate them and prepare coping mechanisms.
Exploring the root cause: Talking to a therapist can help you explore potential underlying factors contributing to your anxiety, such as past experiences or unhealthy thought patterns.
Self-Management Techniques:

Relaxation techniques: Practices like deep breathing, progressive muscle relaxation, and meditation can help calm your mind and body during anxious moments.
Mindfulness: Mindfulness exercises that focus on present-moment awareness can help you manage racing thoughts and worries.
Journaling: Writing down your thoughts and feelings can provide a healthy outlet for emotional processing and identify patterns in your anxiety.
Healthy lifestyle: Engaging in regular exercise, getting enough sleep, and eating a balanced diet can significantly improve your mood and overall well-being.
Seeking Support:

Therapy: Cognitive behavioral therapy (CBT) is a highly effective treatment for anxiety disorders. A therapist can guide you through CBT techniques to challenge negative thought patterns and develop coping skills.
Support groups: Connecting with others who understand what you're going through can offer valuable support and encouragement.

..Read more

Kanchan

Kanchan Rai  |560 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 09, 2024

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Mam how can I take proactive steps n cope with the fear and how to overcome it
Ans: it's crucial to understand and address the root of your fear. Reflect on the specific behaviors or situations involving your father or uncle that trigger your anxiety. Journaling can be a valuable tool in this process, allowing you to articulate your feelings and gain insight into the nature of your fear. Recognizing these triggers is essential for developing a plan to manage them.

Developing coping strategies is the next step. Techniques like deep breathing and mindfulness can help you remain calm in stressful situations. When you start feeling overwhelmed, take a moment to focus on your breathing—inhale slowly through your nose, hold briefly, and then exhale through your mouth. This practice can help ground you and reduce immediate anxiety.

Building a supportive network outside of your family can also provide significant relief. Surround yourself with friends, mentors, or a counselor who can offer guidance and a safe space to express your feelings. Talking to someone you trust about your fears can help you gain perspective and reassurance.

It’s also important to gradually build your confidence in handling interactions with your family. Start by setting small, manageable boundaries and practicing assertiveness in low-stakes situations. This can help you develop the skills needed to address more challenging situations when they arise.

If addressing these fears directly with your family feels too daunting, consider seeking professional help. A therapist can provide strategies to manage your fear and work through any underlying issues. They can also assist in developing communication skills and coping mechanisms tailored to your specific needs.

Ultimately, facing your fears is about building resilience and self-awareness. By taking these proactive steps, you can gradually shift from feeling overwhelmed to feeling more in control and empowered in your interactions with your family. Remember, it’s a process, and being patient with yourself as you work through these challenges is key.

..Read more

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Mutual Funds, Financial Planning Expert - Answered on Mar 20, 2025

Asked by Anonymous - Mar 20, 2025Hindi
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Sir Namaskar. I need 10 lac. I can put around 15-20k every month. I am now at 57. Please suggest me the way out. Regards
Ans: You need Rs. 10 lakh.
You can invest Rs. 15K–20K per month.
You are 57 years old.
A structured approach will help you reach your goal efficiently. The right investment choices, tenure, and risk management will be key.

Assessing the Timeframe
If you need Rs. 10 lakh within 3 years, a low-risk strategy is better.
If you have 5+ years, you can take moderate risk for better returns.
Your risk appetite, income stability, and other financial commitments also matter.
Short-term and long-term plans need different strategies.

Choosing the Right Investment Strategy
Low-Risk Approach (For 3 Years or Less)
Bank recurring deposits (RDs) offer stable but low returns.
Short-term debt mutual funds give slightly better returns than RDs.
Fixed deposits (FDs) in small finance banks provide higher interest.
Corporate bonds of high-rated companies can offer fixed income.
These options are safe but may not beat inflation.

Moderate-Risk Approach (For 3–5 Years)
Conservative hybrid mutual funds balance equity and debt.
Dynamic bond funds adjust based on interest rate changes.
Post office savings schemes offer security but fixed returns.
Gold ETFs can act as a hedge against inflation.
Moderate risk gives better returns than FDs but needs periodic review.

Growth-Oriented Approach (For 5+ Years)
Actively managed flexicap mutual funds allow growth with risk control.
Large & midcap funds balance safety and higher returns.
SWP (Systematic Withdrawal Plan) after 5+ years can give monthly income.
Sectoral funds (like pharma, IT) are riskier but can boost returns.
Long-term investing helps wealth grow faster than inflation.

Managing Liquidity and Emergency Needs
Always keep 6 months’ expenses in a savings account or liquid fund.
Avoid investing all your money in one asset class.
Keep some investments easy to withdraw in case of emergencies.
Liquidity management ensures financial stability while you invest.

Tax Efficiency in Investments
Debt mutual funds are taxed as per your income slab.
Equity mutual funds have 12.5% LTCG tax after Rs. 1.25 lakh gains.
FDs have TDS if interest crosses Rs. 40K (Rs. 50K for senior citizens).
Choosing tax-efficient instruments will maximize net returns.
Tax planning helps in retaining more earnings.

Retirement Considerations While Investing
Since you are 57, your investment should not affect retirement savings.
If your pension or other income is fixed, don’t take excess risk.
If you have additional savings, you can afford a balanced approach.
Avoid investing everything in equity unless you have surplus funds.
Retirement safety should be a priority while planning for Rs. 10 lakh.

Practical Investment Plan Based on Timeframe
If Needed in 3 Years
50% in short-term debt funds.
30% in fixed deposits or post office schemes.
20% in high-rated corporate bonds.
Low risk with steady returns.

If Needed in 5 Years
50% in conservative hybrid funds.
30% in large & midcap equity funds.
20% in short-term debt funds.
Balanced risk with potential growth.

If Needed in 7+ Years
60% in actively managed equity funds.
20% in hybrid funds for stability.
20% in gold ETFs or debt funds.
Higher risk but better long-term gains.

Avoiding Common Investment Mistakes
Don't keep all savings in FDs, as they give low post-tax returns.
Avoid high-risk stocks or thematic funds if you need funds soon.
Never invest emergency funds in volatile assets.
Review investments annually to stay aligned with the goal.
A disciplined approach prevents financial stress.

Finally
Your Rs. 10 lakh goal is achievable with systematic investing.
Choose the right asset mix based on your timeframe and risk level.
Keep tax efficiency, liquidity, and retirement security in mind.
Regular review and professional guidance will optimize your returns.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

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Rajesh Kumar Singh  |254 Answers  |Ask -

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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