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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 27, 2020

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
HS Question by HS on Oct 27, 2020Hindi
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Relationship

Hi mam, from a very long time, I wanted to talk about this. I am married and have a 2 year old kid.

The problem is i don’t feel love towards my wife or kid.

To begin with it was an arranged marriage and I was not ready.

My family kind of emotionally forced me in to this. 

After clearly explaining and telling my wife that i am not ready to be a dad she got pregnant, said NO to abortion and even involved my parents.

Everything happened too fast and I was stuck in my career. Now I have a kid and a wife that I never wanted.

There was no love to begin with and now it’s getting complicated.

Ans: Dear HS, love is something either embrace or walk away from; the choice is yours.

Just like you had the choice of marrying this person or not.

Why exactly did you choose to be forced into it? And now that you have, don’t you think that you need to hold up your end of the bargain?

What did your wife and child have to do with it?

Also, did you tell your wife-to-be before marriage that you are marrying against your wishes?

At least, then she would have been able to have the choice of whether to go ahead with the marriage or not. If you haven’t, please know that they are not at fault for your actions.

When you say, she got pregnant, I would like you to know that it takes two people to make a baby; why do I sense that you are blaming her for all of this?

Surely, if you knew you didn’t want to be a father, you could have used protection.

It’s very easy to blame someone else for what’s not right with your life and that’s what I get a sense that you are doing. But if I were to give you the benefit of doubt, which I would…

I want you to ask yourself: Do I want to be in this marriage or not?

In either case, you have the moral responsibility to provide for your wife and child even if you DON’T love them.

Even if you don’t want to have anything to do with your wife, what wrong did your child do?

Just that he/she has been born into a home where there is so much confusion over love.

Let the child know that he/she is loved no matter what. That responsibility as parents is as much yours as it is your wife’s.

As adults, do bring this matter to the table and discuss what you want to do. Whatever you decide, keep the best interests of everyone in mind especially the child’s interests as a priority.

All the best and be happy.

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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2020

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Dear Anu, I don’t know how to start. My Age is 40. This is my second marriage. My first marriage was arranged and it lasted 6 months.  As I was in love we got divorced. We have one son who is 10 years old. Now the issue is my second wife and I have both betrayed each other. I caught her first having a deep love affair with her yoga friend. That fellow is married and we know his wife and daughter. She has started him when she was training for yoga and later they both started classes together. Meanwhile, I am in a relationship with a colleague. Now she is in a different organization. Although she has stopped it, I continue to chat with her. We are both struggling to come to a decision since last 9 months but nothing is working out. We both confessed; she is guilty, I am not. We've had a very rough time. Now she is at her mother’s home. My problem is that I can neither let her go nor forget her. She wants her freedom as earlier but I am not ready. So I am sad while I continue to torture her by asking past questions. I am worried more about my son. I am stuck so I end up bullying her. Please advice. I want to move on. I don’t want to be in relationship but i am afraid of taking decision. Sometime I feel miserable.
Ans: Dear PC, I don’t want this and I don’t want that is a childlike way of dealing with things; you will be stuck in that mud forever.

You have to want to either move on with your marriage or not.

If you choose to stay, you have to train your mind and as a couple go for a Couples Counselling to rebuild the marriage.

It will require forgiving; hard as it is, it will help both of you relook as to why you fell in love in the first place.

Sometimes, it is essential to hit the refresh button and look at things with a new perspective. And if you have decided mutually, to separate, do make sure there is no mud slinging or finger pointing.

A marriage is between two adults who are invested equally in it and there is no one person to blame.

Be graceful about this and make it a graceful end where you support one another.

Whatever you decide, always make sure your son is well looked after especially his mind and what he needs to know and understand.

Seek the support of a professional who deals with children growing up in families where the parents are separating or are quarrelling.

Either case, please DO NOT let the child suffer as this has long-term consequences on his mind.

I hope you make a decision sooner as every day not only makes it harder for both of you but for your child as well. Take care and best wishes.

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Anu

Anu Krishna  |835 Answers  |Ask -

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

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For many years I was in love with my best friend who I thought wasn’t interested in me. I did not pursue her when I should have because I cared for our friendship. After I got married I was never really happy nor could I forget her. I even told my wife about the girl I loved. She was okay about it because we both felt it was one sided. Recently I discovered that she loved me all these years but both of us never had the courage to take it further. When we got together, we realized how much we missed each other all these years. Neither of us are happy in our marriage and this news has really disturbed me. I feel emotionally and physically distanced from my wife and I feel guilty about it because she is not at fault. I have a son and I am not in a position to abandon him or my wife. But I am not able to sleep or stop thinking about starting a perfect life with her. I have a stable career but now I am not able to focus on anything. Anu mam, please guide me how to find a solution for both of us.
Ans: Dear B, Catch -22 situation indeed here.

Let’s draw out the perspectives here.

Both of you are married and when you had the chance, you didn’t tell each other.

Now, you have discovered that ‘missed out’ moment and want to make up for it now when families have grown.

How would you advise a friend, if he came to you with this situation?

Would you ask him to leave his family and move in with his lady love? Would you ask him to forget his familial responsibilities and search for love outside?

Again, it is not for me to give you solutions but to lead you to a place where you can find the solution yourself.

So, now that you friend has moved in with his lady love, will he forget his family?

His son for who he will always be a role model? Also, what will he tell his wife who had no role to play into the storm in her life?

The key is that there are 4 mature adults and I guess it’s time for you and the lady that you love to sit down and discuss what happens if you continue in your marriages or move away.

Discuss with your respective spouses as well, as they need to be party to this so that their thoughts and feelings are taken into consideration.

After all, they came into your lives, to become life partners. Whatever the decision, always bear in mind, if you continue in your marriage, do it with full heart as you need to rebuild it and if you move away, your son and his state of mind must be cared for, so make sure you create a wonderful environment for them and care for their needs always.

Also, ask yourself this: What will I lose if I move away from my marriage? What is it that I truly love in my wife?

Life is filled with temptations and sometimes we want some change, some spark…it’s possible in the existing relationship only if you choose to look at it that way. Ultimately, the decision is yours, but there’s a lot to consider and reconsider.

Go deep into a reflective mode and choose.

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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 27, 2023

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I am 38, I am in an unsuccessful married life. Ours was a love marriage but soon after our marriage, he showed his true colours by demeaning me in front of his family, his family too does not like me and disrespect me always. I had to fight for keeping marriage intact because I love him and could not think of seperation. He had filed for divorce earlier but later he withdrew the case and now we have a son. But, still today, I could sense he doesn’t love me. At this juncture, i am independent, I told him we can call it off but he tells me to leave my son with him and he will not allow me to take my son with me. I am completely screwed and I am not happy and suffering a lot because it is one sided love. I do not know what to do ?
Ans: Dear Garima,
Clearly your husband is unsure of what he wants from this marriage. Files for divorce and then withdraws the case? What are you; someone who can keep adjusting to his decisions with no feelings?
If you sense that there is no love, then surely there is something that is keeping you rooted in this marriage despite the fact that you are independent?
Identify what that 'something' is...because even if you choose to walk out, if this 'something' is not present in your next relationship or in whatever you do, you will regret walking out.
So, first identify it and ask yourself: Can I recreate this (something) by myself without being dependent on my marriage or my husband?
No one must suffer in a relationship. Along with Love, a fair share of understanding also keeps a marriage together.
So, evaluate what is a 'must' in a marriage for you and if that is something that you are currently experiencing/ If not, you are wise to know what to do. Yes, if children are in the picture, there's a lot more that you must consider whichever way you decide.

All the best!
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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 13, 2023

Asked by Anonymous - Sep 12, 2023Hindi
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I have second marriage and staying 9 years. Now my age is 50 years, and my wife age is 40. I have one child years of years 6. I am in a managerial Position in a company. My wife is a Housewife and her behavior's, misconduct, lack of ownership towards me as well as home is always upset and irritate me. My child was born by IFV method due to her irregular period. She has got many opportunities to recover this problem and treatment also got an early-stage life. Due to lack of her understanding and knowledge, lack of own effort, irresponsible and liar nature, did not overcome her problem and therefore, we cannot go for second baby. Now me and my son also suffer from 2nd baby, though I have sufficient resource to look two children. I need to monitor all the things of my son’s health, extracurricular activity, education etc. She also neglects my mother. I feel she is very quality less and very dirty woman and talking valueless, not concern with health of own as well as other family member. Therefore, I and my wife staying in same home, but from last 4 years I have been separated from my wife and living in separate room. Sometimes I think to separate from my wife, but it may affect relation with my son as well as his mental condition. I am trying to adopt a second child also. I found she is not concern with quality, health, and economy. Therefore, I need to do home marketing, finance, monitoring home, health etc. which has already affected at my career also. Please advise me what to do? I feel my future is very dark with my wife. No emotions, no love and intimacy in the relation. I do regular walking & jogging and gardening is also my hobby.
Ans: Dear Anonymous,
When you seem to have decided that your wife is not going to change, no matter what happens, you will not be able to see that change. Everything about her will be irritating and annoying.
Now you say that she could have done something to avoid IVF, but why are you not thankful that you have a child now.
Having another child as well has to be the choice of both parents. Does your wife want another baby? Just by having money to support the child is not enough. You also need to have the mental and physical ability and willingness to raise another child. Also, do you think it is wise to have another child with the current relationship challenges with your wife?
There seems to be some assumptions that you have made about your wife which could have happened due to misunderstandings and arguments over years. It is definitely from both sides. But since, you are writing in...I can only address your concerns...Obviously her lack of interest in the family also suggests that she also seems to have her challenges.
So, before anything else...first work on having a better marriage and this is a suggestion for both of you! You can eat the fruit from a tree without first planting the seed for the tree to grow.

Seek the help of a professional if you can so that both of you can first learn how to communicate with each other and then settles your differences and then you can start planning a brighter future. Continue with your exercise and always try to look for what's positive in your life. It helps to tide over challenges and have a better outlook towards life!

All the best!
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hi, i have 20,000$ USD available to invest. Will transfer them to my NRE account this month. Please suggest best ways i can invest money in india for max returns - both short term and long term
Ans: That's a significant amount to invest, and it's great that you're considering your options carefully. Since you're looking to invest in India, Mutual Funds (MFs) can offer a diversified and potentially rewarding investment avenue. Here's a suggestion for both short-term and long-term investment:

Short-term Investment:
Consider investing a portion of your funds in Liquid Mutual Funds. These funds invest in short-term debt instruments with a maturity period of up to 91 days, providing liquidity and stability. They are ideal for parking funds temporarily while you decide on your long-term investment strategy. The repatriable nature of these funds allows you to easily convert your investment back to USD whenever needed.
Long-term Investment:
For long-term wealth accumulation, you can explore Equity Mutual Funds. These funds invest in a diversified portfolio of stocks, offering the potential for higher returns over the long term. Since you have a longer investment horizon, you can consider a mix of large-cap, mid-cap, and flexi-cap funds to spread risk and optimize returns. Equity Mutual Funds have the potential to outperform other asset classes over extended periods.
It's essential to assess your risk tolerance, investment goals, and time horizon before making investment decisions. Additionally, ensure that the investments you choose offer the repatriable feature, allowing you to repatriate the funds back to your foreign account if needed. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial objectives and help you make informed investment choices.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Money
How the mutual funds given more interest rate
Ans: Mutual funds do not offer interest rates like traditional fixed deposits. Instead, mutual funds generate returns through capital appreciation and/or income distribution. Here's how mutual funds can potentially provide higher returns:

Capital Appreciation: Mutual funds invest in a diversified portfolio of securities such as stocks, bonds, and other financial instruments. When the value of these underlying assets increases over time, the mutual fund's net asset value (NAV) also rises, leading to capital appreciation for investors.
Dividend Income: Some mutual funds, particularly equity funds, may distribute dividends to investors from the profits earned by the underlying investments. Similarly, debt funds may generate income through interest payments received from the bonds or fixed-income securities held in the portfolio.
Compounding: Mutual funds offer the benefit of compounding, where returns earned on investments are reinvested to generate additional returns over time. Compounding can significantly boost the growth of investments, especially over long investment horizons.
Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research and analysis. Their expertise and active management can potentially generate higher returns compared to individual investors managing their portfolios.
Diversification: Mutual funds pool investments from multiple investors and diversify across various asset classes, sectors, and securities. Diversification helps spread risk and reduce the impact of volatility on investment returns, potentially enhancing overall returns.
It's important to note that mutual fund returns are subject to market risks, and there are no guarantees of returns or capital protection. Investors should carefully consider their investment objectives, risk tolerance, and investment horizon before investing in mutual funds. Consulting with a Certified Financial Planner can provide personalized advice and help investors make informed decisions aligned with their financial goals.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Please suggest a few good Mutual Funds for Short Term Lumpsum investment of 20-30 lakhs
Ans: For a short-term lump sum investment of 20-30 lakhs, consider mutual funds that prioritize capital preservation, liquidity, and potential for modest returns. Here are some options to consider:

Liquid Funds: Ideal for short-term investments, liquid funds invest in short-term debt instruments with high credit quality and low interest rate risk. They offer liquidity and stability while providing slightly higher returns than traditional savings accounts.
Ultra Short Duration Funds: These funds invest in a mix of money market instruments and short-term debt securities, offering slightly higher returns than liquid funds with a slightly longer investment horizon.
Low Duration Funds: Low duration funds invest in short-term debt instruments with slightly longer maturities compared to liquid and ultra short duration funds. They provide a balance between returns and risk, suitable for investors with a moderate risk appetite.
Short Duration Funds: These funds invest in a diversified portfolio of debt and money market instruments with a duration typically ranging from one to three years. They offer higher potential returns than ultra short and low duration funds, with a slightly higher level of risk.
Bank Fixed Deposits (FDs): While not mutual funds, bank FDs offer a safe and predictable return on investment for short-term parking of funds. Consider spreading your investment across multiple banks to benefit from deposit insurance coverage.
Before investing, assess your investment horizon, risk tolerance, and liquidity requirements. Ensure that the chosen funds align with your financial goals and investment objectives. Additionally, review the track record, expense ratios, and fund manager credentials of each mutual fund to make an informed decision.

Consulting with a Certified Financial Planner can provide personalized guidance and help you select the most suitable mutual funds based on your specific financial situation and objectives.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Money
Sir, I am 37 years old and plan to take a term life insurance for my family, which consists of my wife and 6 year old daughter. I am confused whether I should choose a normal policy which expires after the coverage period, or one which returns the premiums after the coverage period. Obviously, the latter involves spending a higher sum as premium per month. Also please suggest the companies offering policies with better claim settling history
Ans: opting for a pure term life insurance policy is generally advisable over a return of premium (ROP) policy. ROP policies tend to have higher premiums, as they offer to return premiums at the end of the term if the policyholder survives. However, this feature often comes at the cost of higher premiums, making it less cost-effective in the long run.

With pure term insurance, you pay lower premiums for the same coverage amount, ensuring that your family receives a substantial sum assured in case of your unfortunate demise. It's a straightforward and transparent form of protection without any investment component or frills attached.

When selecting an insurance provider, prioritize companies with a strong track record of claim settlement and customer service. Look for insurers with high claim settlement ratios and positive reviews from policyholders.

Remember, the primary purpose of life insurance is to provide financial protection to your loved ones in your absence. By opting for a pure term policy, you ensure that your family receives the necessary financial support without any unnecessary frills or complexities.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Money
I have a corpus fund of 20 Lacs. Could you please suggest any investment strategy where I can earn monthly income
Ans: With a corpus fund of 20 lakhs, generating a monthly income requires a prudent investment strategy. Consider allocating a portion of your corpus to income-generating assets while preserving capital. Here are some potential strategies:

Fixed Deposits (FDs) or Recurring Deposits (RDs): Invest a portion of your corpus in FDs or RDs with banks or NBFCs to earn a fixed interest income monthly.
Debt Mutual Funds: Consider investing in debt mutual funds that focus on generating regular income through interest payments from debt securities. Choose funds with a track record of stable returns and low expense ratios.
Dividend-Paying Stocks: Invest in dividend-paying stocks of established companies to receive regular dividend income. Focus on companies with a history of consistent dividend payouts and strong fundamentals.
Systematic Withdrawal Plan (SWP): Implement an SWP in mutual funds to systematically withdraw a fixed amount from your corpus each month. Opt for funds with a balanced allocation to equity and debt for stability and growth potential.
Real Estate Investment Trusts (REITs) or Infrastructure Investment Trusts (InvITs): Consider investing in REITs or InvITs, which distribute a portion of their rental income or infrastructure project cash flows to investors as dividends.
Annuities: Explore the option of purchasing annuities from insurance companies, which provide a regular income stream in exchange for a lump-sum investment.
Before implementing any investment strategy, assess your financial goals, risk tolerance, and liquidity needs. Diversify your investments across asset classes to mitigate risk and optimize returns. Consult with a Certified Financial Planner to develop a personalized income-generating strategy tailored to your financial objectives and circumstances.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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I am investing ?3, 000/- each in SIP of Axis Blue Chip Fund, Parag Parikh Flexi Cap, Edelweiss Balanced Advantage, SBI Magnum Mid Cap, Kotak Small Cap and Kotak Gold Fund. Is my portfolio an investment in right direction. I intend to keep the investment for 10 years.
Ans: Your portfolio seems to be well-diversified across various categories of mutual funds, which is a good strategy for long-term wealth accumulation. Let's analyze each fund in your portfolio:

Axis Blue Chip Fund: This fund invests in large-cap stocks with a track record of stable earnings and strong fundamentals. It offers stability and growth potential, making it suitable for conservative investors.
Parag Parikh Flexi Cap Fund: This flexi-cap fund has the flexibility to invest across market capitalizations and sectors. It follows a bottom-up stock-picking approach, aiming for long-term capital appreciation. It's suitable for investors seeking diversification and growth.
Edelweiss Balanced Advantage Fund: This fund dynamically allocates between equity and debt instruments based on market conditions. It aims to provide stable returns with lower volatility, making it suitable for investors with a moderate risk tolerance.
SBI Magnum Mid Cap Fund: Mid-cap funds like this one invest in mid-sized companies with the potential for higher growth. They can be more volatile but offer the potential for significant long-term returns.
Kotak Small Cap Fund: Small-cap funds invest in small-sized companies with high growth potential. They can be more volatile but offer the potential for substantial long-term gains.
Kotak Gold Fund: This fund invests in gold ETFs, providing exposure to the precious metal. Gold can act as a hedge against inflation and currency fluctuations, adding diversification to your portfolio.
Overall, your portfolio covers a range of market segments, including large-cap, flexi-cap, mid-cap, small-cap, and gold. This diversification can help spread risk and optimize returns over the long term. However, ensure that your portfolio aligns with your risk tolerance and investment goals.

Consider consulting with a Certified Financial Planner to review your portfolio and make any necessary adjustments based on changes in market conditions or your personal circumstances. They can provide personalized guidance to help you achieve your investment objectives with confidence over the next 10 years.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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Sir I am just start sip UTI NIFTY F 50 3500 UTI NEXT 50 2500 PARAG PARAGH FELXI CAP 4000 NAVI MIDCAP 150 2500 QUANTH SMALL 2000 ITS GOOD SIR
Ans: Your selection of mutual funds for SIP investment appears to be diversified across different market segments, which is generally a good strategy for long-term wealth accumulation. Here are some considerations:

Index Funds: UTI Nifty 50 and UTI Next 50 are index funds that track the Nifty 50 and Nifty Next 50 indices, respectively. These funds provide exposure to top-performing large-cap and mid-cap companies, offering broad market diversification with relatively lower expense ratios.
Flexi-cap Funds: Parag Parikh Flexi Cap Fund and Navi Midcap 150 are flexi-cap and mid-cap funds, respectively. These funds have the flexibility to invest across companies of various market capitalizations, providing diversification and the potential for higher returns.
Small-cap Funds: Quant Small Cap Fund focuses on investing in small-cap companies with high growth potential. Small-cap funds can be more volatile but offer the potential for significant long-term returns.
Overall, your portfolio is well-diversified across large-cap, mid-cap, and small-cap segments of the market, which can help spread risk and optimize returns over the long term. However, it's essential to regularly review your portfolio's performance and ensure it remains aligned with your financial goals and risk tolerance.

Consider consulting with a Certified Financial Planner to evaluate your investment strategy and make any necessary adjustments based on changes in market conditions or your personal circumstances. They can provide personalized guidance to help you achieve your investment objectives with confidence.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Sir , I'm 35 years now , Investing In company PPF ( COAL INDIA LIMITED) 10500 per month, need to further Invest 10000 per month in MF for long term and my risk category is Conservative
Ans: Given your conservative risk profile and the desire for long-term investment, it's prudent to consider mutual fund options that prioritize stability and consistent returns. Here are some suggestions:

Large-cap Equity Funds: These funds invest in well-established companies with a track record of stable earnings and lower volatility. They offer relatively lower risk compared to mid-cap or small-cap funds. Look for funds with a proven track record of delivering consistent returns over the long term.
Balanced Advantage Funds: These funds dynamically allocate between equity and debt instruments based on market conditions, aiming to provide stable returns with lower volatility. They can be suitable for conservative investors seeking a balance between growth and capital preservation.
Hybrid Equity Funds: These funds invest in a mix of equity and debt instruments, offering diversification and downside protection. They are suitable for investors looking for a combination of growth and stability in their portfolio.
Index Funds: These funds passively track a market index like the Nifty 50 or Sensex, offering broad market exposure with low expenses. They can be a suitable option for conservative investors seeking stable returns without active fund management.
Debt Funds: Consider allocating a portion of your investment to debt funds for stability and income generation. Options include short-duration funds or corporate bond funds, which invest in high-quality fixed income securities.
Before investing, carefully assess the risk-return profile of each fund and ensure it aligns with your investment objectives and risk tolerance. It's also advisable to consult with a Certified Financial Planner to create a personalized investment plan tailored to your financial goals and circumstances. They can provide valuable guidance and help you navigate the complexities of mutual fund investing to achieve long-term wealth accumulation with peace of mind.
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Ramalingam

Ramalingam Kalirajan  |1249 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 02, 2024

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I am buying MFs through icici direct It was till now mostly elss to save tax I want to invest in bulk ( no SIP ) now My questio is I gather icici would charge 1.5 % upfront for any buys and 1% on it every year then onwards so after 10 yars i gain say 15 % overall then , 11.5 % ( 1.5 +10 ) will already been charged by icici leaving me with 3.5% returns? Is this correct ? they never rwspond transparently abd give evasive replies
Ans: It's important to clarify the fee structure and its impact on your overall returns when investing through platforms like ICICI Direct. While they may charge an upfront fee and an annual fee for maintaining your investments, the impact on your returns may not be as significant as you've outlined.

Firstly, the upfront fee is typically a one-time charge applied at the time of purchase and is not deducted annually from your investment returns. Similarly, the annual fee (if applicable) is usually a percentage of the assets under management and is deducted from your investment periodically, rather than as a lump sum at the end of the investment period.

While fees can affect your returns, it's essential to consider the potential returns generated by your investments over time. If your investments perform well, they can potentially outweigh the impact of fees on your overall returns.

However, it's crucial to have clarity on the fee structure and its impact on your investments. If you're unsure about the fees charged by ICICI Direct or if you feel they're not being transparent, it may be beneficial to seek advice from a Mutual Fund Distributor (MFD) who can provide unbiased guidance and help you navigate the investment process more effectively. Working with an MFD can bring synergy to your investment journey and ensure you make informed decisions aligned with your financial goals.
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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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