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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 30, 2022

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Anonymus Question by Anonymus on May 30, 2022Hindi
Relationship

Hello Sir or Madam.
Please keep me as anonymous only.
Let me tell my story. I am 29 now. Work for an MNC for the past six years. From middle class family with big circle.
Before going to speak out on my problem, let me tell my nature, how I was brought up, studies and attitude.
Since we are middle class family with no financial crisis, I never seen ups and downs in Life accordingly.
In the case of studies, I was topper at all levels of education till MBA from reputed institute.
I was like love is trash n waste of time. When I used to hear all love stories, I used to feel pity on them. But I did maintain very good relationship with many, many girls (not GF type).
But now I am going through the hell just because of one girl whom I was forcibly loved her and later I addicted to her with true love.
During COVID I had to go WFH for two years. She visited her granny’s house and stayed back for few weeks. They live in Bangalore.
I have never seen her face or noticed her during the time when she stayed. But she noticed, observed and enquired about me. So once she left to Bangalore, she sent FB request and I accepted.
Immediately we have exchanged numbers and started texting ‘n’ talking.
Initially I rejected her since she is eight years junior to me. Later she emotionally told once as she lost her father very recently and she just don’t want to go into depression again if I reject her. I got convinced and started loving truly. I replaced her father in her life which she used to tell.
One day, she got caught by her brother while she was on call with me. Since we belong to different castes, they rejected me. She got house arrested. There was no connection between us.
First time in life I fell into depression. I lost my job after just three weeks when she got separated from me. I was unable to speak anyone in the world. My family ‘n’ circle was afraid as I may do harm to myself for her.
On December 16, 2021, I tried to commit suicide by writing a letter in laptop to her telling how I was missing her ‘n’ needed her. Took print and left to railway track to die. I took alcohol and was on the track. Someone rescued me and took me to hometown from Bangalore with PAN card address which was in my purse.
Every day I was losing hope on my life.
Finally I got call from her number in the first week of Jan. I was happy and cried like anything with her on call. She told that she would never leave me alone whatever happens ‘n’ who ever tries to separate us. Again, I took my energy ‘n’ hopes back and started job searching.
There was 1 month gap again until Feb 8, 2022.
After that she used to call me whenever it is possible. From March 15 to March 31, she kept fighting with me over call and spoken mercilessly. There was no kindness or love or concern on me.
Again, I lost hope on my life. She kept asking me to stay away from her. She knew that I cannot initiate contact from my end, since she only should do whenever she able to do.
Day by day, I am losing interest on my Life. I left the job. Now I’m alone with her thoughts and words spoken by her.
My family n circle knew all this drama what’s going on. They hate me for losing self-respect for a girl.
But I have never seen that girl as a girl. I am addicted to alcohol, day ‘n’ night drinking and surviving.
I knew she won’t come back if I ruin my life like this by drinking ‘n’ all. But I just can’t control myself over her.
The promises which she made me were gone... But still I stand for her, for what I promised. I begged the girl like anything not to leave me alone. I just can’t digest that she won’t be no more for me.
N number of the times I used to tell her that You are my first priority over all in my life, like family, siblings, money, career and what not. Most of the times I told her that I’ll commit suicide for you if I come to know that you are not there for me. It doesn’t mean that I am an emotional fool who does not know how to live or unable to get another girl. But you have such significance in my life.
I elaborated as much as I can. But she never listened me. I am just wonder where was her sweet words ‘n’ promises, what’s the reality now?
I am upset with me -- where was original me and who I am now without self-respect.
My parents ‘n’ siblings are forcing me to give up on her. As per them, she is just a golddigger and cheater without love and trust...
My mind n heart never ever forgets her. Don’t know the future. But many times I pray God to kill me in sleep itself without pain so I can reach Venkateshwara...
Entire world is against that girl, but I am defending her at every passing moment.
Human beings invented many amazing things. My wish is we should be available with tablets or injection which can erase memories which belongs to particular person or for particular time in life...
The real enemy to the human beings is LOVE....
Finally I am just waiting for my death... I knew that she won’t realise even if I die also. But I should sleep forever and ever just because for the crime I did love her....
Dear Bujji, it’s for you. I am also a human being as like U. As like your mother, even my mother has given birth to me.
Finally, no words.... I am alone... Memories are hunting me.... chasing me...
Love Guru, please publish this story as it is. Because someone may going through hell with similar story at least they will read the Q&A as well.
Love Guru... I hate me... I do have all with me -- good health, 21 LPA job now, stabilised family and friends ‘n’ family circle... But this bloody struggling to get her love amongst the 7 billion people on this Earth...
Love Guru, I feel that I lost. I am feeling low... I got cheated by her... Finally I am nothing to her.
Dear readers, don’t think that why this fool is suffering for a girl like this.... I have seen her my GODDESS...
Thank you... Have a nice day…

Ans:

You’ve needlessly wound yourself up over a silly girl.

You don’t even sound like you’ve had a physical relationship, it was only long distance, so what are you getting so out of joint for? A few intimate conversations with someone who said one thing but meant another?

If things in your life are spiralling so much out of control, I’d suggest therapy.

Stop drinking before it becomes a real problem. It sounds like you’re doing this to yourself deliberately, so that you receive some attention from her.

But the more you do this, the worse the situation will get. And no woman wants an out-of-control, desperate, alcoholic lover!

For heavens’ sake, man, get a hold of yourself and, if you can’t, then get the professional help you need. 

You may like to see similar questions and answers below

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 13, 2022

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Relationship
Hello, I had a very disturbed childhood. My marriage was also in troubled waters with fights happening twice in a week.Then I came across a girl who was 17 years younger than me. I am a model from a reputed college and was earning much better.That girl became die-hard fan. Once I scolded her in the middle of the road for her advanced steps toward me like touching etc.I was very much attached to my kids. Then she became friendly with my 2-3 year old kids.After 2 years of relationship we became physical. I used to send her Rs 3,000-4000/ month for her expenses in her engineering college.She used to hug me, love me (acted like she did). When my father expired, I was low. She was there during all those dark times.Then she got a job and broke up with me. She came back to me after a year. Instead of kicking her out, I got addicted to her and changed myself to keep her happy.I even went to her native town to assist her during super cyclone risking my own life. I spent 3 days there as a refugee because cyclone had devastated the entire city. There was no food and water. She got me food 2 times a day from her home. After 3 days train services resumed.I spent my best time with her and felt like a 17 year old boy in her company and I lived my life.Seven years later she told me that she will not marry me. In between she insisted to get divorce.I applied for a mutual divorce in family court.Then I told her to break up. She refused saying she did not want to face that pain again.She said if she found someone she will say upfront to me.I agreed and wasted another 3 years with her. I was her CA/bodyguard/driver.One day she told me she finalized someone and I went for sudden breakup.We exchanged few e-mails till my ego got hurt.It’s been 3 years now I have not replied to her mail.She kept sending mails till March last year.During this phase I had pain during breathing, high BP and no sleep for 4-5 days.I consulted doctor and took medication for almost for 6 months.I suffered from broken heart syndrome.I am 45 years old now and have no interest in my life.I am just doing my duty.My ego does not permit to see her FB/TWITTER. It’s been two years since I saw her on social media.It appears like everything is fine but I feel hollow from within.I don’t want her back or her smile. Whenever someone talks about love, I smile from within on his stupidity and try to figure out what benefit the girl is getting from him.My issue is hollowness and hopelessness.
Ans:

Dear SB,

Whatever you did in the past with the girl, simply gave you a sense of validation at that point in time. Isn’t it clear that she has moved on?

Simply be thankful to her for the way she stepped in when you were in need. What didn’t happen was not meant to happen!

No point being angry with her for moving on in her life. Try and be happy for her and focus on yourself now.

What do you love doing?

Who are your friends that you love spending time with?

When was the last time you took care of your physical health?

Do you know that spending time in Nature heals your broken heart as well?

All these questions, are for you to have a reality check on how much you have focused on the outside and no focus on yourself.

Answer these questions and start to look after yourself with a lot of self-love and care. You will heal and move ahead very meaningfully.

Be well and all the best!

..Read more

Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

Relationship
Hi Love Guru. Please keep my identity as anonymous as possible.  I have few issues going on in my mind and want your suggestions. First, to get out of block and unblock chain. I met a girl who is my brother’s friend in 2017. We started chatting on FB, then exchanged numbers. We had a rapport till six months. There was a unique attachment between us during that period. Not chatting with her for even one day would make me uneasy. In October 2017, her engagement was fixed. I was normal, knowing that there cannot be much between us except being in contact. One day, at the end of our talk, she said, Love you. I laughed, saying “What nonsense that you always call me with different weird names. Now, after your engagement is fixed, you are telling me this.” Then, she blocked me on WhatsApp and I really felt like I was in a cage. Then, after a few days, she unblocked me. She got engaged but, after a few months, her engagement broke. We then again got in good contact. After few months her marriage got fixed. Now she is married. After her marriage, our contact was very, very less as priorities changed. I proceeded with my studies and job and she carried on with her personal and professional life. Two months back, she called me and said I am bored and feeling irritated with life so I called you to freshen my mind. I was also happy talking to her. I am that kind of introvert person who opens up with few and she was among them. For one or two weeks, we used to talk 30 to 45 minutes daily. Suddenly, she blocked me on WhatsApp. I called her and she behaved like a stranger to me -- like who’s this, I don’t know you, who you are and she ended the call and blocked me. Till date, she has blocked me. I think there are many things she is hiding from me -- from why her first engagement broke to marring another guy who is not of her caste when she is from a conservative family  Post her engagement, there were many times she blocked and unblocked me. She is running in my mind. I want to get rid of her. Please suggest how and what shall I talk to her so I get an end to this. Thank you for bearing to read all this. My second issue is I think I am addicted to pornography. Two to three years back, I used to watch a lot of porn and would prefer MILF porn, ie senior pornstars videos. I think, due to this, I don’t get much attracted to girls of my age. I respect them but I think, because of my addiction, I see females elder to me attractive rather than females of my age. Please help. Suggest how I shall get out of this as this also affects me academically, personally and professionally. Thank you, Anon
Ans:

Dear Anonymous,

I don’t think you really have any serious problems in your life at all; it’s your perceptions that are all wrong.

Let me straighten this out for you, one issue at a time.

First off, you have one weird, unpredictable friend who once told you she loved you and then went and married someone else.

Not once have you stated that you are in love with her or have feelings for her. In fact, when she said she loved you, you brushed it off.

She contacts you when she’s bored and cuts you off when she’s not.

And now, it’s come to the point where you really need to be the one blocking her and not the other way around...

You want to get rid of her? Block her once and for all. And if she still manages to get in touch, tell her politely that you have had enough of this one-sided friendship and not to contact you again.

Second, about what you think is a porn ‘addiction’... An addiction is something that interferes with your normal life, career and relationships. It’s an obsession that consumes you every waking hour.

And, from what you’ve said, I don’t think you’re watching such volumes of pornography every day, are you?

Furthermore, unless you’re into grannies, I don’t think there’s anything wrong with being attracted to women older than you... everyone has a type!

If after everything I’ve said you still fancy you have problems, I’d suggest visiting a therapist. But before spending that kind of money, think long and hard about what I’ve said and decide for yourself whether you think you need it.

 

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7892 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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Money
03.02.2025 Respected Sir, I have a land property valued 3cr. Now on this plot I am planning to build P+5 floor residential apartments For this I need a fund around 2.5cr for construction. Now I am 68 yrs old. I have invested 40L in various equities since last 44 years & 45L in Equity based M/F’s since last 14 years. Current market value is around 1.5cr & 1.60cr respectively. I am planning to raise funds from overdraft loans against my Equity shares & M/F at the current interest rate 10.35%.approx. I do not have any other source to raise the reqd. fund and I do not have any other liabilities. As per my assumptions in the next 7 to 8 years of period total market value of above investments will be around 10cr approx. I am planning SWP of Rs. 10 lacs every year to repay interest on OD. In what other ways is this possible to repay the dues? With out selling any unit of my property. Or In critical situation if arise I may sell out one unit to clear my OD loan debt. As a financial planning expert are my thoughts are correct in your opinion? I need your professional /practical advice & valuable guidance in this regard please. Please reply to my above query as early as possible. Thanks & Regards
Ans: Your plan to build residential apartments is ambitious. At 68, managing a large loan requires careful planning. Let’s analyse your strategy and explore alternatives.

Current Financial Position
Land Value: Rs 3 crore
Investment Portfolio:
Rs 40 lakh in equities (44 years old)
Rs 45 lakh in equity mutual funds (14 years old)
Current market value: Rs 1.5 crore (equities) + Rs 1.6 crore (mutual funds) = Rs 3.1 crore
Construction Cost: Rs 2.5 crore
Planned Funding: Overdraft against equity and mutual funds at 10.35% interest
Repayment Plan:
SWP of Rs 10 lakh per year to pay loan interest
Sell one unit in case of emergency
Your asset base is strong. However, the risk in this strategy is high.

Key Risks and Challenges
1. High-Interest Cost on Overdraft
Overdraft loans at 10.35% will be costly.
Rs 2.5 crore loan will lead to an annual interest burden of Rs 25-27 lakh.
SWP of Rs 10 lakh will not fully cover this.
Solution: Consider partial self-funding to reduce interest costs.

2. Market Uncertainty on Investments
Future value of Rs 10 crore in 7-8 years is only an assumption.
Market downturns can affect equity and mutual funds.
SWP will reduce compounding benefits.
Solution: Reduce reliance on market returns for loan repayment.

3. Construction and Selling Risks
Construction cost overruns can increase funding needs.
Delayed sales can impact repayment strategy.
Real estate markets fluctuate, affecting unit sales.
Solution: Plan for a financial buffer beyond Rs 2.5 crore.

Alternative Strategies for Safer Execution
1. Staggered Construction Approach
Instead of taking Rs 2.5 crore in one go, build in phases.
Sell initial units to fund later phases.
Reduces borrowing costs and risks.
2. Explore Joint Venture with a Developer
Developers may fund part of the project.
You can negotiate revenue-sharing instead of taking a large loan.
Reduces financial burden and execution risk.
3. Loan Against Property Instead of Equities
Loans against property have lower interest rates than overdrafts.
This option provides a longer tenure and stable repayment terms.
Ensures investments remain untouched for growth.
4. Keep Emergency Exit Plan Ready
If market returns don’t meet expectations, debt burden increases.
Pre-plan which unit to sell if needed.
Ensure liquidity through alternative arrangements.
Final Insights
Your financial base is strong, but your funding strategy has risks.

Overdraft loans at 10.35% can strain your cash flow.
SWP from mutual funds may not fully cover interest payments.
Market assumptions for Rs 10 crore in 7-8 years are uncertain.
A safer approach is:

Consider phased construction or a joint venture.
Explore lower-cost loans, such as against property.
Keep a contingency plan for early debt repayment.
Your idea is bold, but a conservative funding strategy will reduce risks. Careful execution will ensure financial security while completing your project.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7892 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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Money
I am 36 and my wife is 33, both of us have a monthly SIP of 1.25L. Our corpus in MF has just crossed 1Cr, we have gold worth 40L and other cash reserves worth 5-6L for emergency. This is the wealth built by both of us, family money is not included which is considerable in real estate. We have one son, 6Y and plan to retire by 50. We'd have an estimated monthly expense of 2L-3L per month since we don't own a house so far and plan to stay for rent till I retire. Just need to know if I am on the right path? Should we diversify the investment portfolio? We like to live very comfortably and don't like to think before making an expense or plan for it financially.
Ans: Your financial journey so far is impressive. Your disciplined SIPs and strong corpus show great financial foresight. With early retirement at 50 as your goal, a structured approach is essential.

Current Financial Overview
Mutual Fund Corpus: Rs. 1 crore
Monthly SIP: Rs. 1.25 lakh (combined)
Gold Holdings: Rs. 40 lakh
Emergency Cash Reserves: Rs. 5-6 lakh
Real Estate: Considerable family wealth (not included in investment planning)
Planned Retirement Age: 50 years
Monthly Expense Expectation: Rs. 2-3 lakh
Housing Plan: Staying on rent until retirement
Strengths in Your Current Plan
Consistent Investing: Your monthly SIP ensures disciplined wealth accumulation.
Diverse Asset Allocation: Equity, gold, and cash reserves balance risk and liquidity.
Strong Emergency Fund: Ensures short-term financial stability.
Flexibility in Housing: Staying on rent provides location freedom and liquidity.
Areas for Improvement
Portfolio Diversification: High reliance on mutual funds and gold.
Retirement Corpus Planning: Ensuring Rs. 2-3 lakh per month after 50 requires a detailed strategy.
Child’s Education Fund: Higher education costs need structured investments.
Tax Efficiency: Optimising taxation on investments can enhance post-tax returns.
Optimising Investment Portfolio
Balancing Equity and Debt: Actively managed funds ensure better growth than index funds.
Reducing Gold Exposure: Gold is a hedge, not a wealth-building asset.
Adding Debt Instruments: Government bonds and debt funds provide stability.
Avoiding Direct Mutual Funds: Certified Financial Planner guidance ensures better fund selection.
Retirement Corpus Strategy
Target Corpus: Should sustain Rs. 3 lakh per month for 40+ years.
Inflation-Proofing Investments: Equity allocation must outpace inflation.
SIP Increment Plan: Increasing SIPs annually ensures stronger growth.
Cash Flow Management: Systematic withdrawal planning will be key post-retirement.
Child’s Education Planning
Higher Education Costs: A structured education fund is essential.
Mix of Equity and Debt: Balancing risk ensures fund availability when needed.
Avoiding High-Risk Investments: Stability matters more than aggressive returns.
Taxation Considerations
Mutual Fund Taxation: LTCG above Rs. 1.25 lakh is taxed at 12.5%.
Short-Term Gains: 20% taxation applies on redemptions within a year.
Debt Fund Taxation: Gains taxed as per the income tax slab.
Tax-Saving Opportunities: Utilising exemptions can reduce liability.
Finally
Portfolio diversification is necessary for stability and growth.
Increasing SIPs gradually will build a stronger corpus.
Retirement planning should focus on generating stable post-retirement income.
Education planning should begin now to ensure timely availability of funds.
Consulting a Certified Financial Planner will help fine-tune the strategy.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7892 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 28, 2025Hindi
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Money
I am 33, married having a kid of 2 years age, my current corpus is around , 1.10 cr, with 70% in equity. I have home in tier 3 city. Along with farm income of 6 lakh /year along with few rentals that's around 20-30k per month. I want to retire early by 36 year age. My expenses will be limited in tier 3 city once I move there around 30-40k per month. Will it be wise decision to retire early?
Ans: Retiring early is an attractive goal, but it requires careful evaluation. Your current corpus, income sources, and expected expenses play a key role in deciding feasibility.

Here’s a detailed breakdown of your financial readiness for early retirement:

Current Financial Position
Corpus: Rs 1.10 crore
Equity Allocation: 70% in equity
Passive Income:
Farm income: Rs 6 lakh per year (Rs 50,000 per month)
Rental income: Rs 20,000 - 30,000 per month
Planned Expenses in Retirement: Rs 30,000 - 40,000 per month
Your passive income (Rs 70,000 - 80,000 per month) seems sufficient to cover basic expenses. However, retirement is not just about covering expenses. Inflation, emergencies, and long-term wealth preservation must also be considered.

Key Factors to Consider Before Retiring at 36
1. Corpus Sustainability
Your corpus of Rs 1.10 crore should last for decades.
Equity allocation is high, but market risks can impact withdrawals.
Early retirement means relying on investments for 50+ years.
Solution: Maintain at least 50% in stable, income-generating assets. Keep equity exposure for long-term growth.

2. Inflation and Lifestyle Adjustments
Expenses of Rs 30,000 today will rise due to inflation.
At 6% inflation, Rs 30,000 will become Rs 96,000 in 20 years.
Solution: Ensure your passive income keeps growing to counter inflation.

3. Medical and Emergency Preparedness
Rising healthcare costs can drain savings.
Your child’s education and future responsibilities need planning.
Solution: Maintain a high medical cover and an emergency fund of at least Rs 10-15 lakh.

4. Investment Portfolio Structure
Equity investments may not always provide steady returns.
Rental and farm income may fluctuate.
Solution: Diversify by adding stable, low-risk income sources. Keep a mix of equity, debt, and liquid funds for security.

5. Future Earning Potential
Retiring at 36 does not mean you can’t work part-time.
Passive income is strong, but a secondary income stream adds security.
Solution: Consider freelancing, consulting, or part-time work to maintain cash flow if needed.

Final Insights
Early retirement is possible for you, but only with disciplined financial planning.

Ensure your investments generate inflation-adjusted returns.
Have at least 3-5 years of expenses in low-risk assets.
Keep a strong medical cover to avoid financial stress later.
Maintain financial flexibility by having an option to earn if needed.
Retirement at 36 can work if your income sources remain stable and your expenses stay in control. However, financial independence does not mean stopping work completely. It means having the flexibility to work on your terms.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7892 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

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Salaried income net 80000. EMIs for Car loan and personal loan is Rs.40000/-. Monthly expenses about 20000/-. Retirement in 2031. No FD or PPF. EPF of Rs.1800pm only deduction from salary. Son in class 10th. Daughter in 7th. Living in father's property. What kind of investment plan I should adopt for 5 to 7 years.
Ans: Your financial planning for the next 5 to 7 years is crucial. With retirement in 2031, loan EMIs, and growing education costs, a structured plan is necessary.

Current Financial Situation
Monthly income: Rs. 80,000
Loan EMIs: Rs. 40,000
Household expenses: Rs. 20,000
Net savings potential: Rs. 20,000
No fixed deposits or PPF investments
EPF deduction: Rs. 1,800 per month
Living in a family-owned house
Key Financial Priorities
Clearing personal and car loans before retirement
Building an education fund for children
Creating a retirement corpus for post-2031 expenses
Ensuring sufficient liquidity for emergencies
Debt Repayment Strategy
Loans take up 50% of your income.
Prepayment of personal loan should be a priority.
Car loans should be cleared before retirement.
Reducing debt improves future investment capacity.
Emergency Fund Creation
At least 6 months' expenses should be set aside.
The fund should cover loan EMIs and essentials.
Investing in safe, liquid instruments is ideal.
Investment Plan for 5-7 Years
A mix of growth and stability is needed.
Mid-cap and small-cap exposure should be limited.
Actively managed funds offer better returns than index funds.
Debt investments ensure safety for short-term goals.
A combination of equity and hybrid funds can balance risk.
Education Planning for Children
Your son will need funds in 2-3 years.
Your daughter will need funds in 6-8 years.
A mix of equity and debt can provide growth with stability.
Avoiding high-risk investments ensures goal fulfillment.
Retirement Planning Approach
Your EPF contribution is minimal.
A dedicated retirement corpus must be created.
Investments should provide returns that beat inflation.
Structured investment through a Certified Financial Planner ensures stability.
Avoiding Direct Mutual Funds
Direct plans lack professional oversight.
A Certified Financial Planner helps manage risk better.
Regular funds offer expert-driven investment choices.
Portfolio rebalancing is essential for long-term success.
Taxation Considerations
Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Short-term gains attract a 20% tax.
Debt fund taxation depends on your income tax slab.
Efficient tax planning ensures maximum post-tax returns.
Finally
Debt clearance should be a top priority.
Education funds must be secured with a balanced approach.
Retirement investments should be structured for stability.
Market corrections can be used for additional investments.
Consulting a Certified Financial Planner ensures a structured financial journey.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Patrick

Patrick Dsouza  |965 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 05, 2025Hindi
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Career
Prof. I went to university when I was 17 and studied computer science graduated with a third class because of challenges from both my health and the staff adviser in the department at that time. My transcripts till date can attest that I have an ample of B grades and C's. But my health was a challenge,I suffered from migraines at that young age. The departmental staff adviser just refused the approval given by the registrar for Seven courses I couldn't take including my project because of ill health and these courses are reflected as F`'s till today.I do not know what to do and it's about 17 years today. I was advised to take a postgraduate diploma in Computer science that it will supplement the degree which I did and I graduated with a GPA of 4.36/5. But since then it has not been easy to get admission into MSc. in computer science.For instance I have applied to some school in Finland and Lithuania and they have turned down my application. Prof. Please in this case what should I do? I like studying as a person,if not for this single challenge I would have bagged my PhD. I have both a postgraduate diploma in management and a postgraduate diploma in Education. Should I go back and start a fresh Bachelor Honours degree in Computer science? Should I take the University to court? I have written series of letters to them, I personally went there they kept telling me they can't find my records in the department. Can you graduate a student with a Bachelor's Honours degree with out a project and a project score, with 7 Fail grades on his transcript and say he has satisfied the fulfilment of an award for the Bachelor's of science honours. I am from Nigeria and schooled in Nigeria. I am 42 years old at the moment. Thank you for your time and your counsel.
Ans: Can file a case against the university. In most cases the university will try to settle before it goes to the court. Simultaneously can look at option of doing correspondence post graduation where you can get admission based on your current credentials.

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Ramalingam

Ramalingam Kalirajan  |7892 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi
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I am planning to invest monthly 10,000 in nifty ETF, 10,000Motilal Oswal NASDAQ 100 ETF, 8000 in Axis Midcap fund, 6,000 in Tata small cap Fund, 3,000 in SBI innovation Fund, 3000 in Tata consumer fund, 3,000 in Tata nifty 200 alpha 30 fund and 2,000 in Motilal oswal nifty 500 momentum 50 fund. I am planning to invest for next 25 years for my daughter's education and marriage. My risk appetite is high. Is above strategy or funds are good for maximum return? I am planning to deploy more whenever market corrects and hold investment for 25 years, will it work for maximize portfolio return?
Ans: Your long-term investment plan is well-structured and shows a strong commitment. Since your goal is to maximize returns for your daughter’s education and marriage, let’s evaluate your approach from multiple angles.

Investment Horizon and Discipline
A 25-year investment horizon is a strong advantage.
Staying invested through market cycles can help compound your wealth.
Adding more funds during market corrections is a smart approach.
Avoid panic selling during market downturns.
Disadvantages of Index ETFs
Index ETFs do not aim to beat the market.
They follow a fixed set of stocks, limiting growth potential.
Active funds adjust portfolios to maximize returns.
ETFs do not benefit from expert fund management.
Some ETFs struggle with liquidity and tracking errors.
Advantages of Actively Managed Funds
Fund managers select high-growth stocks.
They adjust portfolios based on market conditions.
Active funds can outperform indices over long periods.
Well-managed funds can deliver higher alpha.
Diversification within active funds helps reduce risk.
Portfolio Diversification
Your investments cover large-cap, mid-cap, and small-cap segments.
Exposure to international markets adds diversification.
Including thematic and sectoral funds increases risk but can yield high returns.
A balanced mix of growth and stability is important.
Potential Portfolio Improvements
Reducing ETF allocation can improve long-term returns.
A mix of flexi-cap and focused funds can enhance growth.
Too many funds can dilute portfolio performance.
Reducing overlapping funds may improve efficiency.
Mid and small-cap allocation should align with your risk profile.
Investment Through a Certified Financial Planner
Direct plans lack expert guidance.
A Certified Financial Planner (CFP) helps in fund selection.
Portfolio rebalancing is crucial for maximizing returns.
Regular funds through a CFP provide structured wealth management.
Risk Management and Market Corrections
Market downturns are opportunities, not threats.
Investing extra during dips can boost returns.
Avoid over-concentration in a single asset type.
Ensure an emergency fund before deploying surplus.
Taxation Impact on Mutual Fund Returns
Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
International fund taxation differs from domestic equity funds.
Reviewing tax implications can optimize post-tax returns.
Inflation and Future Planning
Education costs will rise significantly over 25 years.
Inflation-adjusted returns matter more than absolute returns.
Staying invested in high-growth funds helps beat inflation.
Regular portfolio reviews ensure alignment with goals.
Final Insights
Your plan is strong but needs fine-tuning.
Reducing ETF exposure can improve long-term gains.
Active fund management provides better growth potential.
Investing through a Certified Financial Planner ensures structured wealth building.
Market corrections should be used strategically for additional investments.
Periodic review and rebalancing will keep your portfolio on track.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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