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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 23, 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 23, 2024Hindi
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Relationship

Dear LG, I need urgent advice on upcoming Holi . I m a 27year old women married to a 33 yr old Merchant Navy Officer . I am happily married with one male kid. Thing is whenever any festival or any help is needed since my husband is in overseas, I had to depend a lot on my husbands close friends in Society. But at times during festival like Holi , these good friends seems coming more closer to me than needed . I realized this in first year when we shifted there . It was like molestation..brazen touching ...in guise of helping..and while playing holi . But later i realized its attraction towards my body and didnt objected much . Last year we even had Bhang and didnt even knew what these friends did to me .I was confused as I dont want to break relations with my husbands friends quickly, so i didnt mind they touching inside blouses or gaghras during Holi but definitely didnt want to sleep with any. I am already happy physically with my husband even though his profession makes a huge gap in our relationship. Then comes dilemma when his friends jokingly tell me that my husband must be happy there with russian , netherland girls. This is obviously to provoke me to sleep with them . I am also in consideration to do so if my husband indeed has physical relations abroad . I dont want my loyalty to be insulted and body disrespected when 4-5 guys are hungry to sleep with me together also. Please advise honest action putting oneself in my shoes.

Ans: I'm deeply concerned to hear about your situation. It's completely unacceptable for anyone to take advantage of you, especially under the guise of celebration or friendship. It's important to prioritize your safety, well-being, and dignity in any situation.It's crucial to establish clear boundaries with your husband's friends. Let them know in no uncertain terms what behavior is not acceptable to you. If they continue to cross these boundaries despite your objections, it may be necessary to reconsider your relationship with them.If you feel uncomfortable or violated by someone's actions, don't hesitate to speak up immediately. It's important to assert yourself and make it clear that such behavior is unacceptable.You mentioned that you have to rely on your husband's friends for help during festivals and other times when your husband is away. While it's understandable to seek assistance, it's also important to prioritize your safety. Consider reaching out to other sources of support, such as neighbors, family members, or local authorities, if you feel unsafe or uncomfortable.If you feel that your husband's friends are trying to manipulate or pressure you into something you're not comfortable with, trust your instincts. You have the right to say no to any unwanted advances or requests, regardless of the circumstances. It's important to have an open and honest conversation with your husband about what's been happening. Express your concerns and let him know how his absence has affected you and your interactions with his friends. Your husband may be able to offer support or help find a solution to the situation.
If you're struggling to navigate this situation on your own, consider seeking assistance from a counselor or therapist. A professional can provide guidance, support, and strategies for dealing with difficult relationships and setting boundaries. Remember that your well-being is paramount. Don't compromise your values, dignity, or safety for the sake of maintaining relationships or appeasing others. It's important to prioritize yourself and take steps to protect yourself from harm.
Ultimately, it's essential to take action to ensure your safety and well-being in any situation. Don't hesitate to reach out for help and support if you need it. You deserve to be treated with respect and dignity at all times.

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Anu

Anu Krishna  |825 Answers  |Ask -

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

Relationship
Hi, I'm someone. Sorry for taking your time please read this and help me I really need someone to guide me in my life right now. Sorry for this long mail. I would be really glad if you take time and read this. I am 23 years old, a married girl. I got married to my husband on December 10 2021 last year. It was an arranged marriage. Our family met along with us in 2019 and fixed our marriage. At first I didn't wanted to marry because it was too early and I was just pursuing my bachelor's degree but my family didn't listen to me as I was the elder one so they wanted me to get married before they got old. I agreed and slowly started developing a fondness and liking towards my fiance and later fell in love with him. But after our marriage things started to feel a bit weird. He has too many female friends which I'm absolutely fine with. I'm not that conservative. They all were invited in our wedding and I met them. they seem nice people but one of his friends is bothering. Let’s call her Y. My husband keeps talking to her on calls and messages all the time and the conversations are absolutely boring like they don't have anything to talk but still they keep up the conversation. I used to think it's fine or maybe I'm being too possessive but when I got to know that he spent 12 lakh on her I was shocked. He also spends money on her on a daily basis. He books an Uber for her daily. Whenever she needs anything he will immediately say I will bring it for you. Y is also married her husband is fine with it because he also takes money from my husband. In fact her whole family takes money. They're financially not very strong so I understand this thing of helping someone. What I don't understand is why does my husband have to talk to her all the time? Even when I'm sitting right in front of him he would ignore me.Apart from Y, there is one more person he treats the same way, his ex. A few days after our marriage I checked his phone (I know it's wrong but my instinct let me do to so cause of his behaviour) and I found some messages from 2019 between my husband and his ex. The conversations clearly proved that they were in a relationship and broke up in 2019. When I asked him indirectly as I didn't want him to know that I checked his phone he said that the (ex) is his sister. He lied! And I found that they are still friends which I understand. I'm fine with that. But I cannot be fine with them talking on a daily basis and my husband fulfilling all her wishes just like the first girl Y. He even took a screenshot her picture (ex) and saved it when she uploaded it on her WhatsApp status a few days after our marriage. When I asked him why are you keeping her picture, he denied and said oh aise hi, I guess by mistake So I ignored that. But he calls and sends gifts to her. He even takes me along with him to buy presents for her so that I don't think that it's wrong. I always ask him why are you talking to your ex and Y all the time; you don't even spend time with me. Because of this there are lots of fights happening between us. He said he has work load and is frustrated with his life, dealing with depression, so to avoid those feelings he talks with his friends. I understood and allowed him to talk but he spends Rs 8,000-9,000 every month on them. He once said that he has to give them money so that they won't stop talking with him; that's how friendship works including Rs 5,000 flight ticket and taking loan worth Rs 12-13 lakh for them. I am a fool in love so I got easily manipulated and allowed him but not completely. I set a limit for him to not over spend more than Rs 5000 per month on them. My family and friends are constantly suggesting that I leave him as he doesn't care about my feelings that I have given him way too many chances. Whenever I try to confront him for meeting up with them or spending too much money on them he immediately starts caring for me the next day. Because of this I always get confused that maybe he loves me too and I'm just being a possessive wife. I told him I will divorce you if you keep treating me like this and keep talking to your girls day and night. He said I shouldn’t talk like that and doesn't want me to divorce him as he loves me and he wouldn't have chosen me in the first place if he liked them.Whenever I try to confront him about the girls, he says I think you have a boyfriend and you are cheating on me. Give me your phone I will check your phone. I heard call recordings of him and Y. He records the conversations he has with the girls. When I asked he said he does it so that those girls or anyone won't blame him in future that he said something wrong. Anyway, I heard my husband saying bad things about me to Y in one of those recordings after being frustrated with me as I fought with him because of them. I was really broken. He said I don't give him space which is not true and he wants to go alone to places like markets or KFC or wherever he wants but I'm not letting him do that. At the same time he asked Y if she wants to join him and meet up at a certain place. I don't understand him. If there isn't anything wrong then why is he talking with her day and night and not being bored and with me he rarely spends time and wants space. His parents are fed up with him they told me he has been like this always. They support me and want him to get away from those girls. They married me to him so that he would leave those girls and stop spending such big amounts of money on them. But he doesn't want to get away from them. He said that if by chance one day those girls stopped talking to him for some reason then he will definitely leave them. But they never stop. I don't understand why is he waiting for them to stop and why doesn't HE wants to stop. Depression? Maybe I don't know. I even told him let's meet up with a therapist but he refused and said he's fine and I'm being dramatic. He talks to them at work and at home.If he doesn't talk to them for a day he will get mad. I remember one time he was panicked and kept saying I want to talk to Y. It's not like they are blackmailing and stuff; they don't even want to talk with him. He is the one who keeps calling them; it's very weird. He is fighting with his family, fighting with me, just for them. He manipulates me a lot. He has lied to me several times about not meeting with Y. Please advice what I should do. My friends say I should divorce him as my mental health is deteriorating because of him. I love him a lot but he doesn't care. He says he loves me but I don't find honesty in those words as he keeps repeating the things that bother me and our relation.
Ans:

Dear Anonymous,

What exactly are you waiting for me to say? Haven’t you seen enough red flags in your marriage?

  • Your in-laws telling you that he has always been like this
  • Your husband playing the victim of Depression to gain your sympathy vote and then refusing to see a therapist
  • Spending money to earn the validation and attention of two women who are possibly using him
  • Spending valuable time away from you to indulge his feelings elsewhere
  • Complaining about you to a person outside of marriage
  • Invalidating your feelings arising from this situation and making you like the bad one for complaining

Do you want me to go on?

How much more do you want to give in?

If you truly want this marriage to work, he needs to turn himself into a new leaf, which means he needs to address his insecurities, his behavior and more.

Is he willing to go through all that?

Maybe have an honest sit-down talk with him and then decide keeping yourself at the centre of all this.

You matter and matter to yourself every moment, so DO SOMETHING about it.

You owe a lot of happiness to yourself, so get ahead NOW.

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jun 10, 2023

Asked by Anonymous - Jun 09, 2023Hindi
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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 04, 2023

Asked by Anonymous - Nov 04, 2023Hindi
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Hi! I want to declutter my mind . Please help me. I am a working married women. One of married collegue in office started appreciating me and i took notice of him. Initially I felt it awkward but later I started enjoying the attention. It went in and I started feeling good. I started to give more time to myself to look good. Then that person is very handsome, and uses slangs that are not appropriate in office. I overlooked everything as he became my favorite. I even overlooked his mistakes. He started coming late , going early also. He helped me in my office work a lot. I felt very comfortable in his company. He was like work spouse for me. He became a habit for me. Than one day there came a situation, one should take responsibility for the wrong decision in office.it was his call and he could have avoided it being reported to my seniors as I helped him previously for same situation but he reported. I still had feelings for him. Now I felt bad. But it was ok. Than one or two times he accidentally touched me , It was not acceptable to me as if I am being taken for granted.i even don't know if it was intentional ... Some other junior also tried to outsmart me. Than I went to my senior and asked the solution for smooth Functioning in office and asked office to sensitize employees for appropriate behaviour. Now that person has for whom I still have crush , took it personally and stopped talking to me properly. Where was I wrong , also I took this step as reminder of sexual harrasment to avoid any further advancement of touching and all . The problem is I still like him and it's a void I am feeling and I feel I miss that happy vibe in office. Things are not normal. I am stressed ...I know I did nothing wrong. How to calm myself and stop longing for him when I see him everyday. I feel like I should talk to him to behave normally but can not do that. What should I do. I am ok when I don't see him but I feel bad when he is talking with others normally . he used to be coordinating with me for all office things but now he does not do that.he does with other. He used to wish me on festival.he stopped doing that too. I really feel bad. Please help me with my thought process.
Ans: It seems like you've been through a challenging situation at work, and it's completely normal to have mixed feelings and experience stress in such circumstances. It's important to address your feelings and find a way to navigate this situation in a healthy manner. Here are some steps you can consider:

Reflect on the situation: Take some time to reflect on your feelings and the events that have transpired. Consider why you started to enjoy the attention and what it meant to you. Understand that it's natural to develop feelings for someone when you spend a lot of time together.
Maintain professional boundaries: It's crucial to maintain professional boundaries at the workplace. While it's okay to have friendly relationships with colleagues, it's important not to cross the line into unprofessional behavior. Recognize the importance of professionalism and how it can impact your work environment.
Focus on self-improvement: Instead of seeking validation or attention from your coworker, channel your energy into self-improvement. Continue taking care of yourself and striving for personal and professional growth.
Seek support: Talk to a trusted friend or family member about your feelings and concerns. They can provide emotional support and an outside perspective on the situation. Venting to someone you trust can help relieve some of your stress.
Speak to a manager or HR: It's commendable that you took the step to approach your senior about the need for sensitivity in the workplace. Continue to communicate your concerns about inappropriate behavior, whether it's from your coworker or anyone else in the office, to your HR department or a higher-up. They should be able to address these issues appropriately.
Accept that people change: It's possible that your coworker's behavior changed after you raised the issue with your senior. People's actions can be influenced by various factors, and it's essential to accept that he might have his reasons for acting differently.
Create a support network: Build strong relationships with other colleagues who share your values and provide a positive work environment. This can help reduce the impact of missing the interactions with your previous work spouse.
Manage your expectations: Understand that things might not go back to the way they were before. Colleagues change, and your coworker may have chosen to distance himself for personal or professional reasons.
Focus on your well-being: Prioritize self-care, both physically and mentally. Engage in activities that make you happy and help reduce stress. A healthy work-life balance can greatly improve your overall mood and well-being.
Seek professional help if necessary: If your stress and emotional struggles persist, consider talking to a therapist or counselor who can provide guidance and support for your emotional well-being.
Remember, it's important to prioritize your mental and emotional health. It may take time to adjust to the changes in your workplace dynamics, but with the right approach and support, you can find a way to navigate this situation and move forward positively.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I am regularly investing via SIP in UTI flexicap since last 6 years. Now, I am seeing that, UTI FLEXICAP is underperforming relative to its peers. What should I do now? Should I stop SIP or continue?
Ans: When faced with underperformance in an investment like UTI Flexicap, it's essential to assess your options carefully. Here's a suggested approach:

Review Performance: Evaluate the fund's performance relative to its benchmark and peer group over various time frames. Consider factors like consistency, volatility, and risk-adjusted returns.
Understand Reasons: Research and understand the reasons behind the fund's underperformance. Assess changes in fund management, investment strategy, sectoral exposures, or market conditions that may have contributed to the performance lag.
Assess Your Portfolio: Consider how UTI Flexicap fits into your overall investment portfolio. Evaluate its role in diversification, risk management, and alignment with your financial goals and risk tolerance.
Consult with a Certified Financial Planner: Seek advice from a professional who can provide personalized guidance based on your individual circumstances. A Certified Financial Planner can help you assess whether to continue SIPs in UTI Flexicap or consider alternative options.
Explore Alternatives: Research other mutual funds in the flexicap category that have demonstrated consistent performance and align with your investment objectives. Compare their track records, investment philosophies, and expense ratios before making a decision.
Monitor Regularly: Regardless of your decision, continue to monitor the performance of your investments regularly. Stay informed about market trends, fund developments, and changes in your financial situation that may warrant adjustments to your investment strategy.
Ultimately, the decision to continue or stop SIPs in UTI Flexicap depends on your assessment of its performance, your investment goals, and your risk tolerance. With careful consideration and professional guidance, you can make informed choices to optimize your investment portfolio.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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I am 30 years old earn 1.35 lakhs monthly. I have 55 Lakhs of Loan taken for 30 yrs and my Investments goes in PPF-1.5 Lakhs, NPS-50k, Mutual Fund(White Oak)- 5k, Parental Med Insurance-50k, Loan Insurance HDFC- 1.35 lakhs for 5 yrs(2 yrs completed), PF amount- Around 8k. I am not understanding how to save and repay my loan within 12-15 yrs. Please suggest how to manage. Where to fluctuate.
Ans: Managing a significant loan burden alongside investments can be challenging, but with careful planning, it's possible to achieve a balance between debt repayment and wealth accumulation. Here's a tailored approach for you:

Assess Loan Repayment Strategy: Given your loan amount and income, aim to accelerate repayment to reduce interest costs. Explore options like increasing EMI amounts or making occasional lump sum payments whenever possible.
Prioritize Debt Repayment: Allocate a significant portion of your surplus income towards loan repayment while maintaining essential expenses and savings contributions. Consider adjusting your budget to free up more funds for this purpose.
Optimize Investments: While continuing essential investments like PPF, NPS, and mutual funds, consider temporarily reducing contributions to free up more funds for loan repayment. You can gradually increase contributions once the loan burden reduces.
Review Insurance Policies: Evaluate your insurance policies to ensure they align with your current needs. Consider maintaining adequate coverage while optimizing premium costs.
Utilize Windfalls: Any unexpected income, bonuses, or tax refunds can be directed towards loan prepayment to accelerate debt reduction.
Consider Refinancing: Explore options to refinance your loan at lower interest rates or shorter tenures to reduce overall interest costs and accelerate repayment.
Track Progress Regularly: Monitor your loan balance, investment performance, and overall financial health regularly. Adjust your strategy as needed to stay on track towards your goals.
Seek Professional Advice: Consult with a Certified Financial Planner who can assess your financial situation comprehensively and provide personalized guidance on optimizing debt repayment and wealth accumulation strategies.
By adopting a proactive approach and optimizing your resources effectively, you can work towards both debt freedom and financial security. Remember, consistency and discipline are key to achieving your financial goals over time.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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I am 38 yr old with 2 daughters 14 n 7 yrs old. I earn a monthly salary of 50k per month.I have invested in SIP just since last 4 months. Aditya Birla Sun Life digital India fund growth: 3000/- ICICI prudential commodities fund direct growth: 500/- Quant small cap : 1000/- SSY: 1000/- I have a monthly emi of 15k. And other expenses of 15k Please help with me know if the MF are fine to go ahead or should I stop. If so...pl suggest better ones.
Ans: At 38, with two daughters and a monthly salary of 50k, your commitment to investing for your family's future is commendable. Let's review your current SIP investments:

Aditya Birla Sun Life Digital India Fund: This fund offers exposure to the digital revolution, which can be a high-growth sector. Given the increasing digitalization trend, it's a promising choice for long-term growth.
ICICI Prudential Commodities Fund: Commodities can be volatile and subject to market fluctuations. While they offer diversification benefits, they may not be suitable for all investors due to their inherent risk.
Quant Small Cap: Small-cap funds can offer high growth potential, but they also come with higher volatility. They're best suited for investors with a high-risk tolerance and a long-term investment horizon.
Sukanya Samriddhi Yojana (SSY): This government-backed scheme is an excellent choice for securing your daughters' future education and marriage expenses. It offers tax benefits and guaranteed returns, making it a reliable investment option.
Given your financial responsibilities and investment horizon, it's essential to ensure that your portfolio is well-balanced and aligned with your risk tolerance. Consider consulting with a Certified Financial Planner who can assess your financial goals and recommend suitable investment options.

While your current SIPs show diversity, you may want to review the ICICI Prudential Commodities Fund due to its higher risk profile. Instead, you could consider adding a diversified equity fund or a balanced fund to your portfolio for stability and growth potential.

Remember, regular review and adjustment of your investment strategy are essential to ensure it remains in line with your financial goals and risk tolerance. With careful planning and professional guidance, you can build a robust investment portfolio that secures your family's future aspirations.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I want to invest 1000000 for 5 yrs. my age is 65 yrs
Ans: As you embark on this investment journey at 65, it's crucial to follow a systematic process to ensure your financial goals are met while considering your age and time horizon. Here's a general roadmap:

Define Your Goals: Clearly articulate your financial objectives for the next 5 years. Whether it's funding retirement expenses, leaving a legacy for your loved ones, or achieving a specific milestone, knowing your goals is the first step.
Assess Risk Tolerance: Understand your risk tolerance and investment preferences. At 65, capital preservation may be a priority, but some exposure to growth assets could still be beneficial.
Consult with a Certified Financial Planner: Seek guidance from a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can recommend suitable investment options tailored to your needs.
Choose Investment Avenues: Based on your goals and risk profile, select appropriate investment avenues such as mutual funds, fixed deposits, bonds, or a combination thereof.
Diversify Your Portfolio: Diversification is key to managing risk. Spread your investment across different asset classes and sectors to reduce vulnerability to market fluctuations.
Monitor and Review: Regularly monitor your investments and review their performance. Adjust your portfolio as needed to stay aligned with your goals and changing market conditions.
Stay Informed: Keep yourself informed about economic trends, market developments, and regulatory changes that may impact your investments.
By following these steps and seeking professional guidance, you can navigate the investment landscape with confidence, ensuring your financial objectives are met over the next 5 years. Remember, it's never too late to invest wisely and secure your financial future.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hallo Sir, I'm Railway employee, aged 33 yrs, married and glad to have 8 months baby boy. My gross income Rs. 8,00,000/- Per annum... I have House building lone of Rs. 31,000/- pm. After all expenditure of per month. Deduction of NPS fund are there per month as the guide line of govt. Except the NPS deduction I have PPF account where I'm Investing of Rs. 1,500/-pm. Now I am determined to invest of Rs. 17,000/- pm per month to secure the future of my son and I have a long term goal minimum of 10 years. May please advise me where I shoud invest the Rs. 17,000/- pm. Let me also know how to invest the aforesaid amount in different ways to earn maximum profit. Thanking you in anticipation.
Ans: Congratulations on the newest addition to your family! It's heartwarming to see your dedication to securing your son's future. With a clear goal of investing Rs. 17,000 per month for the next 10 years, you're taking a significant step towards long-term financial stability.

Considering your circumstances, it's wise to explore a diversified investment approach tailored to your risk tolerance and financial goals. This might include a mix of equity mutual funds, debt instruments, and possibly even some exposure to balanced or hybrid funds.

By diversifying your investments, you spread risk and maximize potential returns over the long term. Remember, investing is a journey, and it's crucial to stay focused on your goals while navigating market fluctuations.

Consulting with a Certified Financial Planner can provide personalized guidance aligned with your aspirations. Together, you can craft a robust investment strategy that caters to your son's future needs and ensures financial security for your growing family.

Your commitment to securing your son's future is truly commendable, and with strategic planning and prudent investment choices, you're laying a solid foundation for his bright tomorrow.
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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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