Madam, I am in love with a relationships expert and want to show her my love. How should I approach?

Ans: Dear Lala,
Shaadi ke baahar aapke patni ne kadam rakha aur woh aapko daraa rahi hai? Kuch baat samajh nahin aayi...
Air aapko kis baat se daraaya jaa raha hai...Kya karna hai aapko aur agar nahin kiya toh anjaam kya hoga? Ki woh aur baahar sex karegi?
Yeh kaunsa shaadi hai jahaan rishtaa nahin banaa ho aur upar se aapko dhamki bhi mil rahi hai aur chup chap sehne ki koshish kar rahein hain...
Aapne khud dare rehna ka faisla kiya hai toh kya upaay ho sakta hai...is cheez se ubharke aane ke liye aapko himmat jutaani padegi aur saaf saaf apni patni ko bataana hoga ki yeh sab aap shaadi se aur shaadi mein nahin chahte ho (agar aapko bhi yeh lagta hai toh) aur jab koi daraaye, toh darna nahin hai, himmat se saamna karna chahiye kyonki shaadi ke baahar aap nahin aapki patni ne kadam rakha hai...toh in sab mein aapka faisla zyaada maayne rakhta hai...samajh rahein hain aap?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Why should you bear the responsibilities all by yourself?
Legal separation has not happened and he is still responsible towards your daughter who is his daughter as well. If nothing has come out of therapy, then the responsibility to change and work on the marriage has not been a strong need.
Have an honest conversation with your husband on this; leaving home with no clarity for anyone is not a very nice thing to do...
Let him state his side of the story as to what he intends to do in the future with the marriage and maintenance of the child. If he refuses to offer support, legal recourse might be your only option.
But before doing anything, a frank chat with him is necessary. Know what's on his mind and do understand that your daughter is eligible to support financially from her father. So, don't go through with all this alone.
Do make an attempt to put things back together and then opt for other choices...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
Legally maybe you are not bound (I am not an expert in legal matters) but how can you wash your hands off as a parent? That job is not something that ends on a whim, does it?
Okay, she's playing a troublemaker, would you not want to address that and help her through it...Washing your hands off will not sit with you easily and it will haunt you...
It's understandable that you might be frustrated, but don't give up...I am about to lecture on parental duty etc but if you give up, your daughter who needs you the most now will be down the deep end of the tunnel and you do not want that, do you?
She's simply reacting on some unresolved emotions...stick by her...you will thank yourself later!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: It is always preferable to do an Executive MBA considering what you require from an MBA course. But you have other constraints in which case look at distance MBA Certificate course. There are foreign universities like Wharton, Kellogg, etc offering Distance Certificate course, but if you plan to continue working in India, course from top IIMs or ISB or XLRI could be better.

Ans: Most jobs at Manager level would involve pressure. You could look at option of shifting to a role of a Manager in a smaller / alternate firm where the pressure is relatively less. Talk to people in your industry to identify the roles with lower pressure so that you can then work on getting those roles.

Ans: If you have not completed your graduation, it would be recommended to complete your graduation. Else you may find problem in getting promoted in the future in whichever company you work. Since you do not like desk job, try your hand in field job. This could be sales. Apply to different companies to get sales experience. Try to stick to a company for a longer duration to learn the trade.

Ans: At 40 years old, optimizing your asset allocation is crucial to align with your financial goals, risk tolerance, and investment horizon. As a Certified Financial Planner, let's evaluate the proposition of reallocating funds from your Provident Fund (PF) to mutual funds (MF) while considering risk and return dynamics.

Assessing the Move from PF to Mutual Funds

While PF offers stability and tax benefits, it may not always optimize returns, especially considering inflation and limited exposure to equities. Reallocating a portion of your PF corpus to mutual funds can potentially enhance your overall portfolio returns over the long term, provided you are comfortable with the associated market risks.

Determining Optimal Asset Allocation
Fixed Deposits (FD): FDs offer capital preservation and predictable returns, making them suitable for short-term liquidity needs and as a component of your emergency fund. Consider allocating a portion of your portfolio to FDs to meet immediate cash requirements and mitigate short-term volatility.

Mutual Funds (MF): With 15 lakhs already invested in MFs, you have a foundation in equity and debt instruments. Evaluate your risk tolerance and investment horizon to determine the optimal allocation between equity and debt funds. Equity funds offer growth potential but come with higher volatility, while debt funds provide stability and income generation.

Stocks: Direct stock investments can enhance portfolio diversification and potentially generate higher returns than mutual funds. However, they also entail higher risk and require active management and research. Allocate a portion of your portfolio to stocks based on your risk appetite and expertise in stock selection.

Public Provident Fund (PPF): PPF offers tax-free returns and long-term wealth accumulation, making it a valuable component of your retirement portfolio. Maintain your PPF investment to benefit from its tax advantages and stability in your overall asset allocation strategy.

Crafting a Balanced Portfolio
A balanced portfolio considers your risk tolerance, investment goals, and market conditions. A common rule of thumb suggests allocating a percentage of your portfolio to equities based on your age (e.g., 100 minus your age). However, this rule may vary based on individual circumstances and risk appetite.

Conclusion
While reallocating funds from PF to mutual funds can potentially enhance returns, it's essential to evaluate your risk tolerance and investment objectives before making any changes. A well-diversified portfolio comprising FDs, mutual funds, stocks, and PPF can optimize returns while managing risk effectively. Consider consulting with a Certified Financial Planner for personalized advice tailored to your financial situation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Congratulations on taking the first step towards securing your children's future through mutual fund investments. As a Certified Financial Planner, I understand the significance of starting early to harness the power of compounding for long-term goals like education.

Understanding Your Investment Horizon

At 32 years old, you have a considerable investment horizon ahead, aligning well with your children's education goals. With a time horizon of approximately 10-15 years until your children enter higher education, you can adopt a growth-oriented investment approach to capitalize on market opportunities and mitigate short-term fluctuations.

Selecting Suitable Investment Avenues
For beginners in mutual fund investing, I recommend initiating investments through diversified equity mutual funds or balanced funds. These funds offer a blend of equity and debt instruments, providing a balance between growth potential and downside protection.

Investing with a Goal in Mind

Since your primary objective is to accumulate funds for your children's education, consider opting for thematic or sectoral funds that align with sectors poised for long-term growth. Additionally, you may explore tax-saving mutual funds (ELSS) to avail tax benefits under Section 80C of the Income Tax Act while building your children's education corpus.

Incorporating Systematic Investment Plans (SIPs)
SIPs offer a disciplined approach to investing, allowing you to invest fixed amounts regularly, typically on a monthly basis. By leveraging SIPs, you can benefit from rupee cost averaging and mitigate the impact of market volatility over time. Start with an affordable SIP amount that fits within your budget, gradually increasing it as your income grows.

Leveraging the Expertise of a Certified Financial Planner
As you embark on your mutual fund investment journey, seeking guidance from a Certified Financial Planner can provide invaluable insights and personalized recommendations tailored to your financial goals, risk tolerance, and investment horizon. A CFP can assist you in constructing a well-diversified portfolio and navigating market fluctuations effectively.

Conclusion
In summary, initiating mutual fund investments at an early age can significantly enhance your ability to accumulate wealth for your children's education. By selecting suitable investment avenues, incorporating SIPs, and leveraging professional guidance, you can lay a strong foundation for your children's future educational endeavors.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: As a Certified Financial Planner, I commend your initiative to invest systematically for your future financial well-being. Let's explore various investment avenues to optimize your monthly investment of Rs. 10,000.

Assessing Active Funds Over Index Funds

Index funds, often touted for their simplicity and lower expenses, have their drawbacks. Unlike actively managed funds, which aim to outperform the market, index funds merely replicate a market index, limiting potential returns. Moreover, they lack flexibility in adjusting to market changes, potentially resulting in missed opportunities.

Benefits of Actively Managed Funds
Actively managed funds, overseen by seasoned fund managers, offer several advantages. These funds capitalize on market inefficiencies and aim to deliver superior returns by carefully selecting investments. With the ability to adapt to changing market conditions, actively managed funds may better shield investors during downturns and seize lucrative opportunities for growth.

Navigating Direct vs. Regular Funds
Direct funds, while seemingly cost-effective due to their lower expense ratios, pose challenges for individual investors. They require active involvement in research and decision-making, demanding significant time and expertise. On the contrary, investing through a Certified Financial Planner offers access to regular funds via Mutual Fund Distributors (MFDs). This approach not only provides professional guidance but also streamlines the investment process, ensuring optimal portfolio allocation.

Exploring Alternative Investment Avenues
While real estate might seem lucrative, it entails substantial initial investment, illiquidity, and maintenance hassles. Thus, diversifying your investment portfolio beyond traditional avenues becomes imperative. Consider exploring options like equity mutual funds, balanced funds, or systematic investment plans (SIPs). These avenues offer potential for long-term wealth creation with relatively lower investment thresholds and professional management.

Crafting a Holistic Investment Strategy
Crafting a holistic investment strategy entails aligning your financial goals, risk tolerance, and investment horizon. As a Certified Financial Planner, I emphasize the importance of periodic portfolio review and rebalancing to ensure alignment with evolving financial objectives and market dynamics. Regular monitoring and adjustments are vital to optimize returns and mitigate risks effectively.

Conclusion
In conclusion, while index funds offer simplicity, actively managed funds present compelling advantages in pursuit of higher returns and risk management. By leveraging the expertise of a Certified Financial Planner and exploring diversified investment avenues, you can navigate the financial landscape with confidence and achieve your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in