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Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 08, 2023

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Nov 07, 2023Hindi
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Relationship

I was in love with a girl, far from my place in South. She is from Rajasthan. She too liked me a lot and we were in touch through phone. Me a Hindu and she a Jain. Whenever I would tell I want to marry her, she would say get my dad married (her dad was a widower). Later I met her once when her family had come for Bangalore visit. She even took me to her relative's house and introduced her elder sister. We continued to be in touch. Few years later her sister was to be married and she invited me. I went to Jodhpur, stayed with their family during the wedding (in a separate room they had booked). Probably I got exposed to their family. I wanted to again propose to her. But through her family friends, fact that I was interested in her got to be known to her father and other family members. As per what I got to know, they even discussed our wedding but felt age gap was much (8 years). She stopped being in touch and her phone was not reachable. When I could get in touch, she told me the reason why their family disagreed. Now I am married to someone else and heard she is also settled. Problem is, I still get her dreams. Every girl I see, I relate to her. She is not out of my mind. Of course there is love deep within, but I dont know why I end up dreaming about her. How do I avoid this? She's gone into past and even now she's blocked my number or linkedin, yet I am unable to stop thinking or worse, dreaming. How do I stop this?

Ans: Dear Anonymous,

I am sorry to hear that you are in such a situation but dwelling on the past can hinder your present and future happiness. It's natural to reminisce about past relationships, but if these thoughts consume your waking hours and your dreams, it's crucial to refocus your energy. You have a loving wife who deserves your attention and efforts in building a better marriage. Instead of fixating on a relationship that didn't work out, invest your time and emotions in nurturing your marriage.

As humans, we want what we cannot have the most, more than what we have. I believe you are facing the same. But it's essential to accept that your ex has moved on, as evidenced by her decision to block you and so should you.

About your recurring dreams- if you are occupied with a certain thought the entire day, it is only normal that your dreams will reflect the same. Shift your focus to other things to break this pattern. And the more you obsess about it, the more you try to find meaning in some random dreams, the worse your situation will get. Talking about your feelings with a trusted friend can also dilute the matter and alleviate the burden. Remember, the past is behind you, and your present actions determine your future happiness.

Best Wishes!

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Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Mar 24, 2023

Asked by Anonymous - Mar 16, 2023Hindi
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Relationship
hi gure. i am unmarried fall for one girl through online marriage app and we are planning for marriage. few days back we got engaged as well.but after that i am in think that she is avoiding me. she go to sleep early even we were not in talk that much. i always in overthinking that she may have affair or she may ditch me. i cant control my emotion for her. if i cant get her call i called her madly. its make me so depress, nervous. i can not concentrate on work , other imp things. what should i do to get out of this help me ? help me get out of this sir
Ans: Dear Anonymous,

While overthinking can destroy a relationship, if you feel in your gut that something isn't right, there might be some truth and reason to it. My advice would be to have an open discussion about the same with your girlfriend.

We often see people making commitments but backing out later owing to several issues; it can be family-related or something else completely. It is better to speak about your worries right now than to get married and regret it. Maybe your partner is no longer interested in you or maybe she is facing some other trouble altogether; the only way you can understand what's happening is if you ask.

Don't beat around the bush or lose sleep over assumptions; sit your girlfriend down and ask her what's the matter. If she is no longer in love with you, you should consider yourself lucky to have learned it now rather than later, when things are more official and there are no breakups, only divorces. You deserve to be peacefully in love, not worrying about losing it every waking minute.

Hope this helps.

Best Wishes!

..Read more

Anu

Anu Krishna  |1321 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 26, 2024

Asked by Anonymous - Feb 23, 2024Hindi
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Relationship
Dear Ma'am , Please keep my identity confidential. I am facing a very unique problem, I am happily married man for last 18 years with 2 children, before my current marriage in 2003 my Marriage was fixed with a girl ( I was based out of Singapore at That time, I work in management position in one of top IT companies now in India) who was a very distant relative ( her Bhabhi and my Bhabhi were cousins). for some health reason at that time I backed out of from that marriage and when I was better we proposed marriage to her again but then she was already engaged. later I got married to my wife and she too has got married ( I am not in touch with her not knows anything about her husband and never tried to find out. even though I know that my elder brother and her elder cousin have become good friend and I stayed in far off city from them. problem started for me in September 2023, out of no where I started getting bad creams about her. once I found here ( in dream) at nreaby place where she was in bad shape and i brought here home. my dream ended there that night. after that regularly started getting some dreams or other almost every early morning. as it was going to an arranged marriage i had never spoken to here , not a single word. but since then dreams have not stopped some time negative and sometime positive like we are enjoying life together. one of psychologist suggested me to fins out about here current status just to validate that she is all fine in here life but I could not as no one from my family supported the idea of getting touch with as I have no details of her except she is married and working as Teacher ( she is M.Sc. B.ED) . Please guide me if there is normal and what can I do as these dream are not stopping and I am getting so involved that I am unable to forget her, Please guide.
Ans: Dear Anonymous,
Dreams can just play out like a movie on what bothers you or what you are fearful of or even things that you feel happy about. Certain experts also suggest that dreams can help in resolving underlying issues.
Whatever it is, do remember what you said: I am happily married man for last 18 years with 2 children.
The past better be where it must be. To go into what the other lady is doing and knowing her current status is only going to get you more entangled into her life. Do you really want this entanglement? Do you really wish to be a part of a situation where you spend mind cycles to figure out if all is okay with her and in the bargain disturb the peace in your life? I am sure you know what the answers are.
Find solace in the fact that she must have people who care for her and who love her. This will to a large extent keep you from looping into her life even at a subconscious level. And also start to be more involved within your family...this will keep you engaged and also give you an assurance that you are in the right place with the right people meant for you.
The mind does what it is directed to do; so direct it toward actions that support your growth and peace of mind.

All the best!

..Read more

Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Sep 23, 2024

Asked by Anonymous - Sep 23, 2024Hindi
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Relationship
Sir I have been in a relationship of 2 yr now it's been a three yr she's gone now,she said our caste is not same so we don't have future together when his father found out about our relationship,we already known our caste already when we started our relationship now I wonder why did she said that.later,she said I moved on I don't want to be with you and don't contact me ever.. it's been 3 years now can't stop my self from thinking her everyday there is lots of thoughts coms into my mind what could be reason that she left me I'm dying thinking of her but don't care what I suffered from this.. sometimes I think ,is she found someone we living in a different cities know I think I should get hai government job which I promised to her and then go to meet her and talk about our marriage...is it right to do now.. please help me I ..... what could I do now
Ans: Dear Anonymous,

Breakups are rough. I understand how painful it is, and all your feelings are valid. But hoping that a government job can sort everything out, is that the right thing to think? She did not break up with you for your job, she did so because of your caste. And wondering why she said all the harsh things will get you nowhere; it will not give you any closure. She could have meant it all or might have said it just to make sure you don't come back again. Whatever the reason, you should respect her wishes and find a way to move forward. I know it hurts to think that she has found someone else, but if you allow yourself to move on, soon you will find someone too- someone who loves you for who you are and someone who loves you completely. I can't force you to move on; the decision is yours. But don't rush- take a little time to think your plan through. If you get a government job, it's great; not because you will get her back but because you will have achieved something substantial. I strongly suggest focusing on yourself, because no one else will.

Best Wishes.

..Read more

Latest Questions
Ravi

Ravi Mittal  |431 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 22, 2024Hindi
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Relationship
A bit long story I'm 21 student preparing for medical competative entrance exam for past 3 years (21-24).2 year ago this phase I was in a long distance relationship for 4 months with a girl I met in my class .But it didn't last long due to the problems created due to distance as she couldn't understand myself and I couldn't understand herself.so there was a misunderstanding and I couldn't hold on as I was in heavy pressure by exams and financial problems.so I couldn't handle and I felt like too early and broke up with her by losing my mind.she was completely disappointed as I didn't speak to her for more than an year due to one more year preparation.i missed her very much but I didnt tell her.I missed govt seat in border mark and the same year she got into a relationship with another guy in her class.i don't blame her. But I feel like my entire life is shattered and I couldn't move on from that girl till now.I couldn't concentrate on my career too.im kind of person who is always confident in all aspects but I have totally lost my mind .I can see that in an danger situation as age is running and family pressure, everyone of my classmates are far ahead of me I couldn't withstand this situation and couldn't make proper decision in any aspect. Mam please help me out.
Ans: Dear Anonymous,
I understand your concerns. The first step is to focus on moving on; she has, and you should too. Prioritize your career, your family, and your future. Next, what has happened to your career progress has already happened. It's unfortunate, but there's no way to change that. But give yourself a second chance; work harder and achieve greater things than you even imagined before. Trust me, you are not the only person who is standing in a situation like this. Many have, and many more will. But the ones who have passed this time will give you the same advice that I did.

Best Wishes.

...Read more

Milind

Milind Vadjikar  |682 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 22, 2024

Asked by Anonymous - Nov 13, 2024Hindi
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Money
Sir, I am 40yrs old. Having monthly takehome salary of 1.1 lakh and rental income of 36000. My investment are 2 flats worth of 1cr. 4 plots in Bhubaneswar worth of 2crs. EPF balance 50 lakh, LIC policies worth of 16 lakhs, NPS worth of 10 lakhs. My monthly saving commitments are - EPF (employee+employer) 28000 NPS 15000 MF 7500 Gold scheme 5000 Financial burden - HL emi of 24000 Monthly expanses 50000 I would like to retire at 50. Please advise for retirement plan with life expectancy of 80yrs.
Ans: Hello;

The value of your investments after 10 years;

A. EPF Corpus+Contribution: 1.6 Cr
B. NPS Corpus+Contribution: 53 L
C. MF(sip) + Gold(sip): 25 L
D. Real estate (land): 3.26 Cr

So sum of A, C & D gives us a corpus of 5.11 Cr

Since you will withdraw NPS before 60 age 80% of corpus will go into annuity while 20% will be available to you.

So you may expect monthly income of around 21 K from annuity(42.4 L).

Balance 10.6 L get added to 5.11L taking your total corpus to ~ 5.2 Cr.

If you invest 5 Cr in a conservative hybrid debt fund and do a SWP at the rate of 3%, you may expect a monthly income of around 1.1 L(post-tax).

Add your monthly rental income of 36 K(No growth factored) and annuity income of 21 K to this and you have total monthly income of 1.67 L after 10 years.

Your current monthly expenses of 50 K after 10 years would be around 90 K and 1.6 L after 20 years.

Considering return of around 7-7.5% from the conservative hybrid debt fund you will still generate inflation adjusted return at 3% SWP after 80 years of age.

Assumptions:
Inflation rate-6%
Return from EPF-8%
Return from NPS-9%
Return from MF-10%
Return from gold-7%
Return from Land-5%
Annuity rate-6%

The spare flat is not considered in this because it will continue to yield you rental income in retirement.

Since real estate(land) returns may fluctuate over 10 years suggest to increase MF sip(6X) as a back-up, also in this case you may decide to retain & invest in NPS upto 60 age.

Of course MF returns are also not assured but you are improving the odds by backing two appreciable assets(RE & equity) over long-term.

Happy Investing;
X: @mars_invest

...Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

Money
My age 62, male, getting rental income Rs. 90k nett. Already subscribing 12.5k in PPF for the past 2 1/2 years. No other investments. My target is 5 crores in 10 years. I already have Mediclaim Rs.50 lakhs for me & wife . Please advice me what to do.
Ans: Your current financial foundation is strong and shows promise:

A rental income of Rs. 90,000 per month provides consistent and predictable cash flow. This stability can serve as the backbone for your investment strategy.

PPF contributions of Rs. 12,500 per month for 2.5 years reflect disciplined saving. However, its returns may be insufficient to achieve a high-growth target like Rs. 5 crores in 10 years.

A robust Mediclaim policy of Rs. 50 lakhs for you and your wife ensures adequate health coverage. This safeguard allows you to focus on wealth-building without worrying about medical emergencies.

Despite these positive factors, achieving Rs. 5 crores in 10 years requires a carefully crafted and growth-oriented strategy.

Defining and Prioritising Your Financial Goals
Achieving Rs. 5 crores is ambitious yet achievable with a focused approach:

Define this target as your primary financial goal over the next decade.

Break it into manageable milestones: for example, Rs. 50 lakhs every 1-2 years in cumulative investments and growth.

Prioritise high-return investments that align with your risk tolerance and financial capacity.

Optimising Existing PPF Contributions
While PPF is a secure investment, its growth potential is limited:

Returns: PPF currently offers an interest rate of approximately 7-7.5%, which barely outpaces inflation.

Contribution Review: Consider capping your PPF contributions at Rs. 1.5 lakh annually (to utilise the Section 80C benefit). This ensures that excess funds are redirected to higher-return investments.

PPF can serve as a low-risk component of your portfolio but should not dominate your investment strategy.

Building a Diversified Investment Portfolio
A diversified portfolio will provide a balance of risk and reward. Include the following components:

1. Equity Mutual Funds for Growth
Equity mutual funds are essential for achieving high returns over the long term:

Large-Cap Funds: These invest in established companies and offer stability with moderate growth. They are ideal for a portion of your portfolio to reduce risk.

Multi-Cap or Flexi-Cap Funds: These provide exposure to companies of all sizes, offering growth and diversification.

Sectoral and Thematic Funds: Avoid these unless you have a high risk tolerance and understand market dynamics.

ELSS Funds: These not only provide tax savings under Section 80C but also deliver market-linked returns.

Why Avoid Index Funds?

Index funds may offer simplicity and lower expense ratios, but they lack flexibility. They cannot adapt to market conditions or capitalise on outperforming sectors. Actively managed funds, on the other hand, have the potential to outperform the market, especially in a developing economy like India.

Start with a Systematic Investment Plan (SIP) in selected funds to build wealth steadily.

2. Debt Mutual Funds for Stability
Debt funds add stability to your portfolio and reduce overall risk:

Choose funds with low credit risk and moderate duration to ensure safety and predictable returns.

Debt funds are suitable for short- to medium-term goals or as a fallback during market corrections.

Taxation Note: Both LTCG and STCG on debt funds are taxed as per your income tax slab. This should be factored into your planning.

3. Balanced Advantage Funds
Balanced advantage funds (BAFs) dynamically allocate assets between equity and debt. They:

Provide exposure to equity while minimising downside risk.

Offer a suitable option for someone nearing retirement but seeking growth.

4. Gold Investments for Diversification
Allocate a small portion (5-10%) of your portfolio to gold:

Gold serves as a hedge against inflation and currency depreciation.

Choose gold ETFs or sovereign gold bonds for ease of liquidity and better returns.

Emergency Fund Creation
Having an emergency fund is non-negotiable:

Maintain at least 6-12 months of expenses in liquid investments like liquid mutual funds or high-interest savings accounts.

This ensures liquidity for unforeseen events without disturbing your long-term investments.

Focus on Retirement Planning
At 62, balancing growth and safety becomes critical:

Estimate your monthly retirement expenses, considering inflation over the next 10-15 years.

Your target of Rs. 5 crores should primarily serve as your retirement corpus.

Allocate assets thoughtfully:

60-70% in equity funds for growth.
30-40% in debt funds for stability.
Periodically rebalance your portfolio to maintain this allocation.

Strategic Tax Planning
Tax efficiency can significantly impact your returns:

Continue using Section 80C to its full potential, including ELSS funds and PPF.

Consider the National Pension System (NPS) for an additional Rs. 50,000 deduction under Section 80CCD(1B).

Be mindful of the new taxation rules for mutual funds:

Equity Mutual Funds: LTCG above Rs. 1.25 lakh is taxed at 12.5%; STCG at 20%.
Debt Funds: LTCG and STCG are taxed as per your income slab.
Consult a Certified Financial Planner to optimise your tax strategy.

Regular Portfolio Monitoring and Rebalancing
Investing is not a one-time activity:

Review your portfolio every six months or annually to track performance.

Rebalance your asset allocation periodically to align with your financial goals and risk appetite.

Stay committed to SIPs even during market downturns, as this ensures cost-averaging.

Additional Suggestions
Avoid Over-Reliance on PPF
While PPF is safe, it is not sufficient for wealth creation. Shift excess contributions to equity-based investments for better returns.

Avoid Direct Stocks
Direct equity investing requires time, expertise, and constant monitoring. It carries higher risk and may lead to losses without proper research. Instead, rely on equity mutual funds managed by professionals.

Avoid Mixing Insurance and Investments
Do not invest in ULIPs or endowment plans, as they offer suboptimal returns. Stick to pure insurance products for protection and mutual funds for growth.

The Role of a Certified Financial Planner
To achieve Rs. 5 crores, a well-crafted financial plan is essential. A Certified Financial Planner (CFP) can:

Analyse your current investments and recommend improvements.

Design a customised strategy tailored to your income, expenses, and goals.

Provide periodic reviews to ensure you stay on track.

Finally
Achieving Rs. 5 crores in 10 years is a realistic goal if you adopt a disciplined and diversified approach.

Optimise your PPF contributions and channel excess funds into higher-growth investments.

Build a diversified portfolio with equity and debt mutual funds.

Include a small allocation to gold and maintain an emergency fund.

Stay consistent with your SIPs and review your investments regularly.

Work with a Certified Financial Planner to create a personalised roadmap.

By following these steps, you can secure your financial future and meet your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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

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