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Kanchan

Kanchan Rai  |172 Answers  |Ask -

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

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Mar 29, 2024Hindi
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Relationship

My husband and I have arranged marriage. I am 37 , I have High PMS problems with mood swings, inability to do regular work. Though I have tried to tell him that he may need to be patient about what I say during those 10 days, I feel he doesn't understand this. He gives me example of his mother or sister and how they didn't face this issue. I m highly irritable and unsure of myself and how I will react during this phases leading to conflict. I feel that he doesn't understand me and it makes me guilty, depressed and I don't know what to do. I want to remain silent during these phases. Now I have a function to attend of his relatives during this time, but I don't want to talk to anyone and don't have the energy to pretend. But I know he won't understand this as well.

Ans: it's understandable that you're feeling frustrated and overwhelmed. Dealing with mood swings and high levels of irritability during PMS can be difficult, and it's important to have understanding and support from your partner. Try to have an open and honest conversation with your husband during a time when you're both calm and relaxed. Explain to him the nature of your high PMS symptoms, how they affect you, and what you need from him during those times. Express your feelings and concerns, and let him know that his understanding and support are crucial for you.Provide your husband with information about premenstrual syndrome (PMS) and its symptoms. Help him understand that every person's experience with PMS is different, and just because his mother or sister didn't face similar issues doesn't mean your experiences are invalid.It's okay to set boundaries for yourself, especially during times when you're feeling overwhelmed or irritable. Let your husband know that during your difficult days, you might need some space and time alone to recharge. Assure him that it's not personal and that you still love him, but you need to take care of yourself. Focus on self-care techniques that can help alleviate your symptoms during PMS, such as regular exercise, healthy eating, mindfulness meditation, and relaxation techniques. Prioritize activities that help you feel more grounded and balanced. Consider consulting with a healthcare professional or therapist who specializes in women's health or mental health. They can provide you with personalized strategies and support to manage your PMS symptoms and any associated emotional difficulties. If you feel too drained to attend the function, communicate this to your husband. Explain that you're not feeling up to socializing due to your PMS symptoms, and ask for his understanding and support in skipping the event. If it's absolutely necessary for you to attend, try to find ways to conserve your energy, such as limiting interactions and taking breaks when needed.Remember that it's okay to prioritize your own well-being and advocate for your needs in your relationship. Your husband may need time to adjust and understand, but with patience, empathy, and clear communication, you can work together to find solutions that benefit both of you.

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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    (more)
    Anu

    Anu Krishna  |830 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    (more)
    Anu

    Anu Krishna  |830 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    Ans:

    Dear MK,

    This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

    It's cyclical and traps you within in the loop.

    He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

    To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

    Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

    If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

    All the best!

    (more)
    Anu

    Anu Krishna  |830 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 27, 2021

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    Relationship
    Dear mam, my husband and I had a love marriage. We dated for five years before getting married and we have been living together for 8 years now. I am working and we have a 5 year old son. He is a very good guy but his parents and relatives who are staying with us are making things difficult for us now. Like you suggested I tried talking to my husband but I feel he is being biased and taken for granted. I tried to adjust and ignore some things but there is a lot of politics going on every day which is affecting both of us. From money issues to privacy and kitchen fights, we are dealing with a lot of things that I am not able to talk and solve. This is affecting my career and my son’s studies too. Every time I start a discussion it leads to a big fight in front of everyone. Ultimately I am cornered and blamed. The patent response is: everyone adjusts. I’m not able to handle it well and no support from anyone. Also I don’t have anyone to talk to whom I can trust. Please help.
    Ans: Dear S, Thank you for trying to apply a few of my suggestions. Extended families can be a huge challenge to live with as much as there are advantages as well.

    Too much mixing of thoughts and opinions that at times you feel that your thoughts are never valued.

    Either, you ease into this and know that this will be your world; which means you start to ‘try’ to become happy which can be stressful.

    If this is impossible and you want to change it, then STEP UP for yourself and for your son.

    No arguments, no fights, but firmly asserting what you want.

    Be kind always no matter what because your husband is just in the midst of his family and the family system that he has been raised with, your protests don’t matter much.

    Making your point known doesn't need fights, but reiterating what you want and that your thoughts must be respected.

    It’s possible that over a few weeks, this new calm behavior of yours might bring some change in your husband and he may start hearing and listening to what you have to say.

    If that doesn’t work, yes you may have to take the help of a professional who will put you two together in a place and become a good third person who will facilitate the communication.

    Whatever it is, be kind and calm and I am sure you are…it helps in ‘breaking down’ the stubbornness in other people and they maybe willing to calm down as well.

    Be at peace.

    (more)
    Dr Ashish

    Dr Ashish Sehgal  |97 Answers  |Ask -

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

    Asked by Anonymous - Feb 18, 2023Hindi
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    Relationship
    I had late marraige . My husband was very keen to marry. In fact my family was not very keen. i was the only child and my mom passed away early. After my marraige my husband family behave differently. My mom-in law never allowed our normal relationship. My husband was not financially stable. However his mother used to fulfill all his wishes as she was in job. Now she is retired. I had a steady job and academic background. So I remained financially stable. But I never got any opportunity to lead a normal conjugal life. She constantly created psychological pressure so that I stay away from my husband. My husband also was unable to protest. He was more frank in absence of mother. This strange situation forced me to stay away from my inlaws place. I started living separately. My mom-in law was cooperative as long as Im away from them. Now if my husband is sick, he is informing me, taking financial help, but not allowing me to accompany him to doctor . Its a strange situation. Now My husband is in mental problem with no financial stability and normal peace of mind. How should I tackle this situation?
    Ans: I'm sorry to hear that you are going through a difficult time in your marriage. It sounds like there are multiple issues at play here, including strained relationships with your in-laws, financial instability, and your husband's mental health. Here are some steps you can take to tackle this situation:

    Seek counseling: It's important for you and your husband to get professional counseling to address the issues you're facing. A counselor can provide guidance on how to manage difficult family relationships, financial stress, and mental health issues.

    Set boundaries: It's important to establish clear boundaries with your in-laws. Communicate your needs and expectations with your husband and his family. This may include spending less time with them or limiting interactions with them.

    Seek financial stability: If your husband is unable to contribute financially, it may be important for you to take charge of managing the household finances. This can help alleviate some of the stress and uncertainty around money.

    Support your husband's mental health: Encourage your husband to seek professional help for his mental health issues. You can also offer emotional support and be there for him during this difficult time.

    Focus on your own well-being: It's important for you to take care of yourself during this time. Make time for self-care activities, such as exercise, meditation, or spending time with friends and family.

    Remember, these issues may take time to resolve, but with patience, understanding, and professional help, you and your husband can work through them and find a path forward.
    (more)
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    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

    Asked by Anonymous - Apr 30, 2024Hindi
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    Money
    Which is the best health insurance policy in india? Self -39yrs, Spouse -38yrs,Son-13yrs, son-7yrs. I have thyroid.
    Ans: I can guide you towards finding the best plan for your family based on your needs and medical history (thyroid). Here are some key factors to consider:

    Family Needs:

    Age: Consider your family's age and potential health risks associated with each age group.
    Medical History: Disclose your thyroid condition to ensure the plan covers pre-existing conditions or offers add-on riders for specific illnesses.
    Coverage Requirements: Think about the type of hospital you prefer (network vs. non-network), room type (single, double), and preferred treatments (Ayurvedic, homeopathy).
    Policy Features:

    Sum Insured: Choose a sufficient sum insured to cover hospitalization costs for everyone in your family. Consider factors like city tier (medical costs are higher in metros) and inflation.
    Coverage Type: Consider a comprehensive plan that covers hospitalization expenses, pre and post-hospitalization costs, ambulance charges, and day care procedures.
    Network Hospitals: Opt for a plan with a wide network of hospitals in your city to ensure easy access to quality healthcare.
    Co-pay/Deductible: A co-pay or deductible involves sharing a portion of the hospitalization cost. This lowers premiums but increases your out-of-pocket expense.
    Exclusions: Carefully review policy exclusions to understand what treatments or conditions are not covered.
    Here's a roadmap to finding the best policy:

    Compare Online: Use online insurance comparison platforms to get quotes from different insurers.
    Shortlist Based on Needs: Shortlist plans that meet your family's coverage requirements and budget.
    Read Policy Wording: Carefully read the policy wording (wording can differ between insurers) to understand inclusions, exclusions, claim settlement process, and renewal terms.
    Customer Service Reviews: Research customer reviews to get an idea about claim settlement experiences with different insurers.
    Agent vs. Direct Purchase: You can buy directly from the insurer's website or consult an insurance agent who can guide you through the process and recommend plans based on your needs.
    Here are some additional tips:

    Pre-existing Conditions: Disclose your thyroid condition clearly during the application process.
    Some plans might have a waiting period for pre-existing conditions before coverage applies.
    Some might offer coverage with exclusions or higher premiums.
    Renewability: Choose a plan with guaranteed lifetime renewability to ensure coverage throughout your life.
    Claim Settlement Ratio: Consider the insurer's claim settlement ratio to understand their record of settling claims efficiently.
    Remember: The best health insurance policy is the one that caters to your specific needs and offers comprehensive coverage at an affordable premium.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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    Money
    Hi I have following SIPs. Can you suggest whether they are good, bad or ugly and suggest changes if any. Quant small cap direct growth-10000 Canara robecco small cap DG- 10000 PGIM india mid cap Opp DG-10000 SBI contra Direct plan growth-10000 Parag parik flexi cap DG-10000 Quant infrastructure DG-10000 ICICI prudential tech fund-10000 Tata digital India regular plan-10000 Aditya birla sun life digital India regular plan -10000 - I hv started investing in last 6months and aim is to make atleast 3cr by next 10yrs. I hv certain other investments in SIPs, equity and PF (about 50000 per month) Thank you
    Ans: Your portfolio seems well-diversified across different categories and themes, which is a good approach. However, there are a few considerations to keep in mind:

    Small Cap Exposure: Having significant exposure to small-cap funds like Quant Small Cap and Canara Robeco Small Cap can add volatility to your portfolio. While they have the potential for high returns, they also come with higher risk. Ensure you have a high-risk tolerance and a long-term investment horizon if you intend to stay invested in these funds.
    Sectoral and Theme Funds: Funds like ICICI Prudential Tech Fund, Tata Digital India, and Aditya Birla Sun Life Digital India focus on specific sectors/themes. While these can offer opportunities for growth, they also carry concentration risk. Monitor these funds closely and be prepared for volatility, considering the dynamic nature of sectoral investments.
    Mid Cap and Flexi Cap: PGIM India Mid Cap Opp and Parag Parik Flexi Cap provide exposure to mid-cap and flexible-cap segments, which can complement your small-cap investments. Ensure you review the performance and portfolio composition of these funds regularly to confirm they align with your investment objectives.
    Regular Review: Given your long-term goal of reaching 3 crores in 10 years, regularly review your portfolio's performance and make adjustments as necessary. Consider rebalancing periodically to maintain your desired asset allocation and risk level.
    Risk Management: Since you have a significant amount invested across various funds, ensure you have an adequate emergency fund and insurance coverage to mitigate any unforeseen risks.
    Overall, your portfolio appears to have the potential to achieve your long-term financial goals, but it's essential to monitor and adjust it periodically based on your changing financial situation and market conditions. Consider consulting with a financial advisor for personalized advice tailored to your specific needs and objectives.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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    Money
    sir, pl. advise me whether to continue or wait with this fund. I have invested in these funds sip / lumpsum. Aditya Birla Sun Life Small Cap Fund (formerly known as Aditya Birla sun Life Small & Midcap fund) Lumpsum Aditya Birla sun Life frontline equity fund Lumpsum Aidtya Birla sun life liquid fund Lumpsum Aditya Birla sun life tax relief '96 SIP stopped ICICI Prudential Equity & Debt Fund ‐ Growth Lumpsum Hdfc Balanced advantage fund-Direct Plan-Growth Option Lumpsum ICICI prudential value discovery fund_direct plan- Growth earlier known as ICICI prudential value fund series 19 direct plan subsequently switch out (merger) on 24.06.2021 Lumpsum Nippon India Focused Equity Fund ‐Growth Plan Lumpsum Nippon India Large Cap Fund‐ Growth Plan ‐Growth Option Lumpsum Axis Small Cap Fund ‐ Regular Plan ‐ Growth SIP Canara Robeco Emerging Equities ‐ Regular Plan Growth SIP HDFC Multi Cap Fund ‐ Growth Option SIP ICICI Prudential Flexicap Fund ‐ Growth SIP ICICI Prudential Transportation And Logistics Fund SIP SBI Magnum Midcap Fund - Regular Plan - Growth SIP
    Ans: When deciding whether to continue or wait with your current mutual fund investments, consider the following factors:

    Performance: Evaluate the performance of each fund over different time periods. Look at their returns compared to benchmark indices and peer funds in the same category.
    Fund Objectives: Ensure that the objectives of the funds align with your investment goals and risk tolerance. Review the fund's investment strategy and portfolio composition.
    Fund Manager: Assess the track record and expertise of the fund manager managing each fund. A skilled and experienced fund manager can significantly impact fund performance.
    Expense Ratio: Consider the expense ratio of each fund, as higher expenses can eat into your returns over time. Compare the expense ratios of your funds with similar funds in the market.
    Market Conditions: Take into account the current market conditions and economic outlook. Certain funds may perform better in specific market environments.
    Changes in Personal Financial Situation: Evaluate any changes in your personal financial situation or investment goals that may necessitate adjustments to your portfolio.
    Review Periodically: Regularly review your portfolio to ensure it remains aligned with your objectives. Consider rebalancing or making changes if needed based on market trends or changes in your financial situation.
    By carefully considering these factors and possibly seeking advice from a financial advisor, you can make informed decisions about whether to continue or wait with your current mutual fund investments.
    (more)
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    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

    Asked by Anonymous - Mar 21, 2023Hindi
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    Hello Sir, I am 43 yrs of age and following is the list of my MF holdings which are all 15 Months Plus......Can you pls advice me if I should continue to remain Invested in the same or should I change any of these....I am looking at an aggressive and high return Funds in the next 3 Years....Also one very important point is all my Investments are thru an Agent, do you suggest i shud withdraw them all and go for Direct Plans.....Pls advice - SIP Details - CANARA ROBECCO EMERGING EQUITIES FUND – 10000 PGIM INDIA MID CAP OPPORTUNITIES FUND – 5000 ICICI PRUDENTIAL TECHNOLOGY FUND – 4000 SBI FOCUSED EQUITY FUND – 6000 QUANT ACTIVE FUND – 10000 MIRAE ASSET LARGE CAP FUND – 10000 INDIA INFOLINE - 5000 LUMPSUM Details - PGIM INDIA MID CAP OPPORTUNITIES FUND – REGULAR GROWTH – 3 LACS K1155 - KOTAK MULTICAP FUND – REGULAR PLAN GROWTH – 3 LACS AXIS MULTICAP FUND REGULAR PLAN GROWTH – 3 LACS IIFL FOCUSED EQUITY FUND – 4 LACS UTI FLEXI CAP FUND – 2.5 LACS MIRAE ASSET LARGE CAP FUND – 3 LACS LIC MF LARGE AND MID CAP FUND – 4 LACS CANARA ROBECCO BLUE CHIP EQUITY FUND – 3 LACS QUANT ACTIVE FUND – 2.5 LACS PARAG PARIKH FLEXI CAP FUND – 2.5 LACS
    Ans: Given your desire for aggressive growth in the next 3 years, it's crucial to assess your current mutual fund holdings and make informed decisions. Here are some considerations:

    Performance Review: Evaluate the performance of your existing funds over the past few years. Look at their consistency, returns, and how they have performed during different market cycles.
    Risk Appetite: Consider your risk tolerance and whether your current funds align with your risk profile. Aggressive funds typically carry higher risk, so ensure you are comfortable with potential volatility.
    Diversification: Check the diversification of your portfolio across different fund types (large cap, mid cap, small cap) and sectors. A well-diversified portfolio can help mitigate risk.
    Expense Ratio: Assess the expense ratio of your funds, especially if they are regular plans. Direct plans generally have lower expense ratios, which can significantly impact returns over the long term.
    Exit Loads and Tax Implications: Understand any exit loads or tax implications associated with redeeming your existing investments, especially if they are less than 3 years old.
    Consideration of Direct Plans: Switching to direct plans can save on expenses in the long run, potentially boosting returns. However, ensure you are comfortable with managing your investments independently or seek the assistance of a fee-based advisor.
    After considering these factors, you can decide whether to continue with your current holdings, reallocate investments, or explore new funds that align better with your goals and risk appetite. It's essential to periodically review your portfolio and make adjustments as needed to stay on track with your financial objectives.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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    Dear Sir, My name is Shrikanth S Kumar. My age is 38 and wife's age is 34. My total annual CTC is 16,10,000. My monthly expenses is 40 k. I have 15 lakhs in savings account which I can invest for Long term. Please suggest New SIPS or current good sips and investment avenues to continue. Started investing in equity sips from 5 years. I have a target net worth to reach of 5CR in 5years. I have 13 lakhs MF portfolio, and my running MF sip are 35k in quant active, 30k in parag parikh flexi cap,6k in DSP Nifty 50 equal wieght Index fund and 5k in nippon small cap.
    Ans: It's great to see your proactive approach towards long-term financial planning. Given your income, expenses, and existing investments, here are some suggestions to help you achieve your target net worth of 5 crores in 5 years:

    Increase SIP Contributions: Consider increasing your SIP contributions to align with your ambitious goal. You may also explore the option of stepping up SIP amounts annually to accelerate wealth accumulation.
    Diversification: While your current SIPs are well-diversified, you can further enhance diversification by adding funds from different categories such as large-cap, mid-cap, and multi-cap funds. This helps spread risk and capture opportunities across market segments.
    Explore Tax-Saving Investments: Utilize tax-saving investment avenues such as Equity Linked Savings Schemes (ELSS) to optimize tax benefits while building wealth. ELSS funds offer the twin benefits of tax savings under Section 80C of the Income Tax Act and potential capital appreciation.
    Regular Review and Rebalancing: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider rebalancing your portfolio periodically to maintain the desired asset allocation mix.
    Emergency Fund: Ensure you have an adequate emergency fund set aside in a liquid instrument like a savings account or liquid mutual fund to cover unforeseen expenses without disrupting your investment portfolio.
    Seek Professional Advice: Given the ambitious nature of your financial goal, consider consulting with a certified financial planner who can provide personalized advice tailored to your specific circumstances and objectives.
    Remember, achieving a significant target like 5 crores in 5 years requires disciplined savings, strategic investing, and periodic reassessment of your financial plan. Stay focused on your long-term objectives and remain patient during market fluctuations.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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    Hello, please advise. I want to create of corpus of 5 crores in 5 years, the value of my current portfolio is 50 lakhs. I am 44 years. My monthly SIP is around 2.25 lakhs. Rs. 1.25 lakhs in Franklin India US opps fund, Smaller companies, Tech fund, Axis Bluechip and small cap, Mirae Asset Blue chip, Canara Robeco Equity hybrid, Motilal Nasdaq 100 FOF, Parag Parikh long term equity. Started another Rs. 1 lakh last month in ICICI Prudential Mutual bank, DSP, Franklin India smaller companies, Kotak Emerging Equity, HDFC Flexi, HDFC Smaller Cap, Tata Digital India Fund. Please advise.
    Ans: It's commendable that you're focused on building a significant corpus in a relatively short period. However, aiming for a corpus of 5 crores in just 5 years is an ambitious goal and may require a carefully crafted strategy and potentially higher investments.

    Here are some considerations:

    Investment Amount: Given your current portfolio value of 50 lakhs and monthly SIP of 2.25 lakhs, you may need to increase your investment amount to achieve your target. Consider whether it's feasible to increase your SIP amount or allocate additional lump sum investments.
    Risk and Return: With a relatively short investment horizon, it's crucial to strike a balance between risk and return. Evaluate the risk profile of your investments and ensure they align with your risk tolerance and goals.
    Diversification: Review the diversification of your portfolio across different asset classes, sectors, and market capitalizations. Consider diversifying further if needed to reduce concentration risk.
    Regular Review: Given the short time frame, regularly monitor the performance of your investments and adjust your strategy as needed. Be prepared to make tactical changes based on market conditions and evolving financial goals.
    Professional Advice: Consider consulting with a certified financial planner or advisor who can provide personalized guidance based on your financial situation, goals, and risk profile.
    Remember, achieving such a substantial corpus in a short period requires disciplined savings, prudent investing, and realistic expectations. While it's essential to aim high, it's also crucial to maintain a realistic perspective and adapt your strategy as needed along the way.
    (more)
    Ramalingam

    Ramalingam Kalirajan  |1025 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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    I have following mutual fund in my portfolio 1. Parag Parikh flexi cap 2. Pgim India midcap opportunity 3. Quant tax plan 4. Canera Rebecca equity tax fund Do I need to change anything,please suggest
    Ans: Your portfolio appears to have a mix of flexi-cap, mid-cap, and tax-saving equity funds, providing diversification across different market segments. However, it's essential to periodically review your investments to ensure they align with your financial goals, risk tolerance, and market conditions. Here are a few considerations:

    Diversification: Assess whether your portfolio is adequately diversified across different asset classes, sectors, and market capitalizations. Consider adding exposure to other sectors or asset classes if needed to reduce concentration risk.
    Performance: Evaluate the performance of each fund relative to its benchmark index and peers. If any fund consistently underperforms or deviates significantly from its investment mandate, consider replacing it with a better-performing alternative.
    Tax Efficiency: Since you have a tax-saving equity fund in your portfolio, ensure it aligns with your tax planning goals and provides adequate tax benefits. Evaluate its performance and tax efficiency compared to other tax-saving options.
    Risk Management: Consider your risk tolerance and investment horizon when making changes to your portfolio. Ensure that the overall risk level of your investments is in line with your comfort level and financial objectives.
    Professional Advice: Consult with a certified financial planner or advisor who can provide personalized recommendations based on your financial situation and goals.
    Ultimately, the decision to change or maintain your portfolio depends on your individual circumstances and market outlook. Regular review and adjustment can help ensure that your investments remain aligned with your long-term financial goals.
    (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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