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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 19, 2022

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
AM Question by AM on Jan 19, 2022Hindi
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Relationship

Ma'am, I'm in a relationship for three years now.
Everything was normal in the beginning. But the past year has been extremely tumultuous for us as I've been expressing unnecessary anger towards my significant other.
I never used to yell at him or push him to the point where he'd get annoyed of me and stops talking to me.
While I'm the kind of person who likes to talk things out after a few hours of the argument but he's the opposite. He takes his own sweet time which is not wrong.

I realise I treat him differently from my friends as I know subconsciously he won't break up with me.
The last fight we had over something trivial made me feel like I pulled the last straw and I'm very guilty about it.

Even I've started to realise now that somewhere along the way I took him for granted and kept hurting him as he gave me a lot of chances to improve.
He is a very sweet person but I feel like I've turned him into an egoistic monster who doesn't want to see or talk to me anymore.
I don't know how to save this relationship. I don't know if I should kill my hopes of continuing this relationship.

We haven't spoken to each other for more than 2 weeks now and I am using this time to change myself and learn to control my anger and to speak with everyone with respect and understand them better.
I want to tell him that I'm genuinely improving this time but he doesn't seem interested in listening to me as I've misused the prior chances so obviously he feels like he's being deceived this time to.
So I made my mind to speak to him after a month until I feel like I've changed at least a little so I'm worthy of his love. Also I don't let my short temper and rudeness affect our relationship.
But I'm afraid he might hate me even more for not trying to talk to him.
I'm confused wondering if he'll move on and not realise in trying to change. What should I do?

AM

Ans:

Dear AM,

Oh my dear, why are you being so unkind to yourself? It takes two to tango!

Maybe, you realize that you have been taking him for granted, but hey, there’s an expiry date to punishing yourself over it.

Once you know, it’s time to work on your relationship and that certainly doesn’t mean being harsh.

This could also lead you to feel victimised and not be a very favourable mindset. Instead, what if you get to the root of the challenge at hand?

Here’s a few reality check questions. It might give you a chance to go back to the drawing board and reevaluate your relationship with a fresh pair of eyes.

What is causing me to have that temper?

What usually triggers the arguments?

What did I see in my partner when I chose him to be my significant half?

Do I still see the same in him even now or has it changed? If yes, what has changed? Am I willing to adapt to the change?

What causes me to be afraid of him moving on? Am I in a co-dependent relationship?

What will happen to me if he moves on?

Why is important for me to put so much energy into changing myself? Is it for myself or to keep him from moving on?

You get the drift?

You can add to these questions and give your mind an alternate way of processing things into a solution space.

Having said this; it’s time to give yourself some love too, no matter what, prioritize yourself and create some mind space to reevaluate where you are to where you want to be.

Happy 2022 and best wishes!

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 05, 2022

Relationship
I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
Ans:

Dear MK,

This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

It's cyclical and traps you within in the loop.

He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

All the best!

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Aug 05, 2022

    Relationship
    I want to keep it anonymous.I am a 30 years old independent woman married for 5 months only.My husband and I were in same college but were not friends.He had been approaching me for getting married since 2017, but every time I had rejected his proposal, later in February, 2021 I talked to him openly and mentioned my inability to conceive if we get married.To which his response was that he really liked me and is ready to accept me with my inability.I made our families met and we got engaged.During the one year of courtship period, initial 4-5 months were peaceful, but he and I were missing a bond, yet we thought may be with time we will find it.After the initial phase as we started meeting for family functions.He started finding flaws in me. Things like, I stare at other men when I go out, I don’t give him priority, why do I talk to any male friend beyond necessity, why do I praise my senior at office parties etc.He started controlling me in these areas and used to get angry if I talk to my siblings late night.I started feeling trapped and suffocated, and always under the fear that any of my action could make my husband angry.In that anger he seemed like a very different person, someone aggressive.We started fighting, arguing over petty things.He wanted me to change but I was reluctant as those were very normal things for me and I started telling him that this relationship is not working.We are two persons with different mindset and ideologies and since we are unable to reach to a solution over any issue, let’s call it off.I tried to call this wedding off for like 6 times, but he never agreed to this stating that he loves me and he will change his attitude and will not stop me from doing anything.Whenever I tried to break up with him he'd start crying, stating things like you are my only happiness in life, and I would die without you and all.I involved my family into the matter and shared things with them.They used to call my husband to make him understand my expectations from him.In front of them my husband used to admit that he would change his behaviour.He used to stay calm for 5-6 days and then continue with the same attitude.Basically, it was an on and off behaviour from his side and because of that my behaviour was also affected.I was trying to see his positive side as he had accepted me with my inability, so he must be a good person.Somehow, after so many issues, we got married.After marriage, we went for honeymoon, but he showed a different attitude.He started insulting me that I stare at other people, including the waiter.He would fight with me aggressively, and when I cry he'd calm me down stating that this fight is my fault; had I not done this he would not have fought; had I obeyed him he would not have gotten angry. Then he used to make love to me.For 4 days this happened continuously.On the 4th day I told him I cannot stand him and bear his mind numbing torture.If he sees so many flaws in my character we must part our ways, and there is not point of staying together.He agreed but later he started apologising, asking for another chance to this marriage. I agreed.But his behaviour didn’t improve much. We used to live with his parents, he started taking active participation in local politics which used to keep him busy.He started controlling me indirectly for visiting my moms and relatives.He'd taunt me for not sharing my salary with his parents.Later I found out his work is not running smooth and he is not making enough.The issue of staring at men and shaking hands with men while greeting congratulations, was also an issue to him.He'd remain normal as long as I did things as per his wish.If I said or did anything opposite, he'd get aggressive and disrespectful towards me.Love was nowhere around. He never said I am a good looking woman. My husband rarely complimented me though I get many whenever I go out.He seemed not to be bothered about me except for the time I do something he doesn’t like.My mom also supported him. His behaviour started taking a toll on my mental condition and I started feeling uncomfortable around him.I stopped being physical as I was feeling emotionally detached.The fights had broken me, my bare minimum expectations were not fulfilled.My husband also broke relations with my family and was disrespectful to them.Initially he had promised that I will be free to visit my mom whenever I want and he will not seek my salary ever or doubt my character, but nothing turned to be true.After 4 months of torture, I came to my mom's place and told my husband that I cannot live with him.I actually feel much better without him. As soon as he knew that I am leaving him he has surrendered and is admitting that he made mistakes and doesn’t want to lose me.He says I am his only hope in life and he loves me a lot and can’t live without me.He does the same emotional drama every time I try to part ways with him.My family is pressurising me to give him another chance. But my trust is shattered beyond repair.He made my cry, he pushed me into depression.I do not respect him. He accepted me with my inability, but I feel he never liked the real me.He is not ready to admit this fact that we have not been good for each other.To me he seems like a male chauvinist, a dominating and controlling person.He stays grumpy most of the time, behaves well with others but is arrogant with family members.What do I do? I am in utter confusion, I am unable to force myself into a love-less marriage and my family and husband doesn’t understand it.(I am a government officer and my husband runs a small business)
    Ans:

    Dear MK,

    This is a classic case of crying out, blaming the spouse for the crying and sending her on a guilt trip, promising to do better, not following through and when she walks out, crying out again.

    It's cyclical and traps you within in the loop.

    He really needs to work out his stuff with a professional, else this is going to be something that you have to deal with repeatedly.

    To not be able to take responsibility for his actions, shifting blame onto you, acting insecure and preventing you from leading your life the way that you are used to -- like talking to your family and friends -- are all red flags.

    Step up, take charge and suggest that he goes to a professional if he wants the marriage to work.

    If he doesn’t and continues the same way, you know what you must do to secure yourself and your life.

    All the best!

    ..Read more

    Love Guru

    Love Guru   |187 Answers  |Ask -

    Relationships Expert - Answered on Dec 30, 2021

    Listen
    Relationship
    Hi. I am in a relationship since five years. My BF was very gentle and caring initially but after his financial downfall he became cold and restless. And I had to change cities due to work. I love him and he tells me he loves me too, which I feel he does. But he is very ambitious and struggling in his life and is busy planning most days. Which I understand, but it irritates me that we have zero conversations that he starts or takes interest in. We do discuss decisions and official things a lot, but I am talking about meaningful conversations and couple time. It’s been several years now and I have to wait for ages to discuss any simple, emotional thing with him. He is constantly on an unending chase. He lives in another city. I understand and wanna support him but it upsets me anyway because it’s been such long time of chasing simple conversations. I feel like I can’t hold on to the relation anymore because I tried to discuss this hundreds of time with him but he could never make time to even let me complete. In fact, he promises me time and conveniently forgets while I wait eagerly. He is always sleepy or tired by the time I begin anything and then it’s impossible for me to begin, which I feel is disgusting. We have started having ugly fights and I can’t resist being angry at things now. Now he has started acting rude and inconsiderate towards me. Though he is not mean to me, he always calls me impatient and kiddish to not understand his situation. He often tells me that he is not spending his time partying. He is making plans for both of us. He just has one answer that I should trust him and give him some time he will set everything. But I feel overly sensitive and depressed and in continuous chase which is very derogatory and bothers my self-worth. I always am ready for him in every way but here I am feeling choked and he is just not getting it. What should I do? How do I tell him that it is high time? Or am I overreacting? Please help. A person in need
    Ans:

    The problem you’re facing is very common in long-distance relationships.

    You have a need for attention that you’re not getting from him and he’s so busy planning a future that he’s forgotten how to take care of the present.

    I can tell you that until he is secure in a job and has stabilised his situation, his behaviour is not going to change significantly. And maybe not after either...Maybe this is who he is, and after the initial spark wore off, this is him.

    That said, the distance is definitely playing a role in fuelling tensions between the two of you.

    Explain to him that you need some quality time with him and that couples who live apart do set aside a little time for each other despite all the pressures of everyday life.

    It’s not childish to expect attention and love from your partner, even from a thousand miles away.

    At your end, you can try to be less demanding.

    Maybe he isn’t at liberty to chitchat every single day or every couple of days also.

    As long as you get what you want out of even a weekly or twice-weekly conversation with him, cut him a little slack. That is, provided this guy means enough to you.

    If he doesn’t and you’re second-guessing the relationship, the person he is and your love for him, maybe the headache just isn’t worth it.

    You’ve already invested five years, and if it’s not looking bright, you should cut your losses and move on.

    ..Read more

    Anu

    Anu Krishna  |839 Answers  |Ask -

    Relationships Expert, Mind Coach - Answered on Apr 12, 2023

    Listen
    Hello mam!! I was in a relationship for 7 years and supported my partner in every ways. In starting it was not that good but ya we have the mindset to make this relationship worth it. I don't know i just changed drastically like even I didn't know how. I started to follow each and every instructions of her it's not like he was forcing it's like i was accepting whichni was not even agree before. But things started to change as he was going through lot of struggles in life and i was trying to be with him. But like every interval of time he started disrespecting me in out of his frustration so like lastly i took a stand for me and leave. He also not want to allow me for work after marriage but i want it. But he comes and said this all things is normal in relationship and nothing like self respect exists so don't overreact in this but i am not convinced. I never disrespect him by words or actions never but take everything from him and feeling empty right now.
    Ans: Dear Nikita,
    Good that you decided to leave the relationship. He comes across as controlling and demanding. Why would you want to lead a life with someone like that? Freedom in every sense is what relationships grow on and when there is someone instructing you in one way or the other; you know he/she is not the right person for you.
    When he normalizes his behaviour, he's in his own way making you feel guilty about you moving away. DO NOT give into this as this is toxic behaviour on his part to get what he wants!
    When he is ready to break your self-respect, make sure you draw a boundary around you and be glad that you decided to leave. MOVE ON...focus on your life for now and someone who respects you for YOU will come along...till then know that your self-respect is yours to guard!

    Best wishes!

    ..Read more

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    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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    Midcap Funds:
    • Motilal Oswal Midcap Fund and Mahindra Manulife Mid Cap Fund offer exposure to mid-sized companies with growth potential. Ensure you're comfortable with the higher volatility associated with midcap stocks.
    • Consider consolidating your investments into one or two well-performing midcap funds to streamline your portfolio and reduce overlap.
    Smallcap Funds:
    • Axis Small Cap, Canara Robeco Small Cap, Quant Small Cap, and Nippon Small Cap focus on smaller companies with higher growth potential but also higher risk. Be prepared for fluctuations in returns.
    • As small-cap stocks can be more volatile, consider limiting exposure to a few select funds to mitigate risk and ensure proper diversification.
    Mid and Largecap Funds:
    • Mirae Asset Emerging Bluechip Fund and Axis Growth Opportunities Fund provide exposure to both mid and large-cap stocks, offering a balanced approach.
    • Review the overlap between these funds and your midcap and smallcap holdings to avoid duplication and maintain proper diversification.
    Multicap Funds:
    • Mahindra Manulife Multi Cap Fund, HDFC Multi-Cap Fund, Mirae Asset Multicap Fund, and Canara Robeco Multi Cap Fund offer flexibility to invest across market segments.
    • Since these funds invest across large, mid, and small-cap stocks, they provide diversification within a single fund category.
    Flexi Cap and Value Funds:
    • Parag Parikh Flexi Cap Fund, Quant Flexi Cap Fund, and Tata Equity PE Fund follow a flexible investment approach, allowing fund managers to invest across market segments based on prevailing market conditions.
    • Value-oriented funds like Tata Equity PE Fund focus on stocks trading at a discount to their intrinsic value, potentially offering attractive long-term returns.
    Direct Funds:

    • Direct funds allow investors to purchase mutual fund units directly from the asset management company, bypassing intermediaries like distributors or brokers. This can result in lower expense ratios compared to regular funds, as there are no distributor commissions involved.

    • However, direct fund investors are responsible for conducting their own research, selecting suitable funds, and monitoring their investments. This requires a certain level of financial literacy and investment expertise to make informed decisions.

    • On the other hand, investing through a Certified Financial Planner (CFP) who holds the necessary credentials and expertise can provide valuable guidance and support. A CFP can help investors navigate the complexities of the financial markets, select appropriate investment strategies, and optimize their portfolio allocations based on individual goals and risk tolerance.

    Suggestions:
    1. Simplify your portfolio by consolidating investments into fewer funds to reduce complexity and minimize overlap.
    2. Monitor the performance of individual funds regularly and consider reallocating investments based on fund performance and market conditions.
    3. Maintain a balanced allocation across different market segments to manage risk effectively and optimize returns.
    4. Consider consulting with a Certified Financial Planner (CFP) to receive personalized advice tailored to your financial goals and risk profile.
    Overall, your investment plan demonstrates a disciplined approach towards wealth accumulation. By staying informed, regularly reviewing your portfolio, and seeking professional guidance when needed, you're well-positioned to achieve your financial objectives. Keep up the good work!

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

    Asked by Anonymous - May 07, 2024Hindi
    Money
    Hi Sir I’m 39 Male. I’m investing in MF from start of this year for buying a house and for retirement. I’m planning to invest long for next 15-20 yrs. Also I have 3-4 loans which will get finished next year 2025 end. So I’m planning to start increase my MF amount considerably. Please review my portfolio and let me know if I have to remove, add or make any changes Motilal Oswal Nasdaq 100 fund direct growth 1500 PM UTI Nifty 50 Index Fund 1000 PM ICICI Prudential Bluechip Fund Direct Growth 1000 PM HDFC Balanced Advantage Fund Direct Growth 1000 PM HDFC Midcap Oppurtunities Fund Direct Plan Growth 1000 PM AXIS Small Cap Fund Direct Growth 1000 PM JM Value Fund Direct Growth 1000 PM Parag Parikh Flexi Cap Direct 1000 PM Nippon India Corporate Bond Fund Direct Growth plan 1000 PM P2P investment 3500 PM for 3 yrs at 15% fixed return
    Ans: It's excellent to see your commitment towards investing for both short-term goals like buying a house and long-term goals like retirement. Let's review your portfolio and suggest any adjustments:
    1. Motilal Oswal Nasdaq 100 Fund Direct Growth: This fund provides exposure to the top 100 companies listed on the Nasdaq stock exchange, offering diversification and growth potential in the global tech sector. It can be a suitable addition for long-term wealth accumulation.
    2. UTI Nifty 50 Index Fund: Investing in an index fund like UTI Nifty 50 offers exposure to the top 50 companies in the Indian equity market. It provides stability and diversification, complementing your other equity investments.
    3. ICICI Prudential Bluechip Fund Direct Growth: Bluechip funds focus on large-cap stocks with strong fundamentals, making them relatively less volatile. It's a prudent choice for stability and capital preservation.
    4. HDFC Balanced Advantage Fund Direct Growth: This fund dynamically manages its equity exposure based on market conditions, offering a blend of growth and downside protection. It can be suitable for investors seeking a balanced approach.
    5. HDFC Midcap Opportunities Fund Direct Plan Growth and AXIS Small Cap Fund Direct Growth: These funds provide exposure to mid-cap and small-cap segments, respectively, offering growth potential but with higher volatility. Ensure you're comfortable with the risk associated with these segments.
    6. JM Value Fund Direct Growth and Parag Parikh Flexi Cap Direct: Both these funds follow value investing principles and focus on investing in fundamentally sound companies at reasonable valuations. They can be suitable for long-term wealth creation.
    7. Nippon India Corporate Bond Fund Direct Growth: Investing in a corporate bond fund provides stability and income generation through fixed-income securities. It's a prudent choice for diversification and managing risk.
    8. P2P Investment: Peer-to-peer lending can offer attractive returns but comes with higher risk compared to traditional investments. Ensure you've assessed the risk-reward profile and have a diversified portfolio to mitigate risks.
    Index Funds:
    • Index funds offer broad market exposure by tracking a specific index, such as the Nifty 50 or the Nasdaq 100. They provide diversification and low-cost access to the market, making them suitable for long-term investors.
    • However, index funds are passively managed, meaning they aim to replicate the performance of the underlying index rather than outperforming it. While this reduces management fees and turnover costs, it also limits the potential for alpha generation.
    • As a result, index funds may not capture opportunities for outperformance during market upswings or provide downside protection during downturns. Investors seeking higher returns may prefer actively managed funds that aim to outperform the market through strategic stock selection and portfolio management.
    Direct Funds:
    • Direct funds allow investors to purchase mutual fund units directly from the asset management company, bypassing intermediaries like distributors or brokers. This can result in lower expense ratios compared to regular funds, as there are no distributor commissions involved.
    • However, direct fund investors are responsible for conducting their own research, selecting suitable funds, and monitoring their investments. This requires a certain level of financial literacy and investment expertise to make informed decisions.
    • On the other hand, investing through a Certified Financial Planner (CFP) who holds the necessary credentials and expertise can provide valuable guidance and support. A CFP can help investors navigate the complexities of the financial markets, select appropriate investment strategies, and optimize their portfolio allocations based on individual goals and risk tolerance.
    Considering your investment portfolio, it's essential to evaluate the role of both index funds and direct funds in achieving your financial objectives. While index funds offer cost-effective market exposure, direct funds provide the potential for active management and outperformance.
    As a Certified Financial Planner (CFP), I recommend a balanced approach that incorporates both index funds and direct funds based on your risk profile and investment goals. Periodic reviews of your portfolio and ongoing guidance from a CFP can help ensure that your investment strategy remains aligned with your evolving needs and objectives.
    Remember, investing is a journey, and it's essential to stay informed, stay disciplined, and seek professional guidance when needed. With the right approach and support, you can navigate the financial markets with confidence and work towards achieving your long-term financial goals.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

    Asked by Anonymous - May 07, 2024Hindi
    Listen
    Money
    I am 31, investing approx 80k per month in SIP, with a current corpus of 50L. I also have 1.2Cr in foreign stocks which have been performing really well, 10L in Indian stock market and another 15L in PPF and NPS. I want to retire by the time I'm 45 with an expected earning of 1L per month. Any suggestions or ideas?
    Ans: It's impressive to see your proactive approach towards financial planning at such a young age! Let's discuss some strategies to help you achieve your retirement goal of retiring by the age of 45 with an expected earning of 1 lakh per month:
    1. Evaluate Current Portfolio:
    • Your current portfolio comprises investments across various asset classes, including SIPs, foreign stocks, Indian stocks, PPF, and NPS. This diversified approach indicates a thoughtful investment strategy.
    2. Assess Retirement Corpus:
    • To retire comfortably by the age of 45 and generate a monthly income of 1 lakh, it's essential to estimate the corpus required to sustain your desired lifestyle. Consider factors such as inflation, expected rate of return on investments, and projected expenses during retirement.
    3. Contribution towards SIPs:
    • Your monthly SIP contributions of approximately 80,000 rupees demonstrate a commitment to saving and investing for the future. Continue this disciplined approach and consider increasing your SIP contributions over time to accelerate wealth accumulation.
    4. Optimize Investment Allocation:
    • Review the allocation of your investments across different asset classes to ensure they align with your risk tolerance and long-term goals. While foreign stocks and Indian stocks offer growth potential, ensure they're balanced with stable assets like PPF and NPS to mitigate risk.
    5. Explore Income-Generating Assets:
    • Consider diversifying your investment portfolio with income-generating assets such as rental properties, dividend-paying stocks, or bonds. These assets can provide a steady stream of income during retirement, complementing your investment returns.
    6. Retirement Planning with Tax Efficiency:
    • Optimize your retirement savings by leveraging tax-efficient investment options like NPS and PPF. Both instruments offer tax benefits on contributions and tax-free returns, making them attractive vehicles for long-term wealth accumulation.
    7. Regular Portfolio Review:
    • Periodically review your investment portfolio to track performance, assess market conditions, and make necessary adjustments. As you approach retirement age, consider shifting towards more conservative investment options to preserve capital and generate stable income streams.
    8. Professional Guidance:
    • Consider consulting with a Certified Financial Planner (CFP) who can provide personalized advice tailored to your financial goals and risk profile. A CFP can help you develop a comprehensive retirement plan, optimize your investment strategy, and navigate any challenges along the way.
    In summary, achieving your retirement goal of retiring by the age of 45 with an expected earning of 1 lakh per month requires careful planning, disciplined saving, and prudent investing. By continuing your proactive approach, diversifying your portfolio, and seeking professional guidance, you can enhance your chances of realizing your financial aspirations with confidence.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

    Asked by Anonymous - May 07, 2024Hindi
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    Money
    Hello Sir, I am 53 years old and started with Investment plans. Currently, my investment breakup is MF: 10K, Equity: 10K, Bank FD: 15K, NPS: 10K, VPF: 10K, PPF: 5K. Will this lead to my goal of 1 CR by retirement at 60Y. Or should I change? Please guide.
    Ans: You've taken a proactive step towards securing your financial future by initiating various investment avenues. Let's delve into your current strategy and explore potential adjustments to help you achieve your goal of accumulating 1 crore by retirement at 60 years:
    Current Investment Breakdown:
    • Mutual Funds (MF), Equity, Bank Fixed Deposit (FD), National Pension System (NPS), Voluntary Provident Fund (VPF), and Public Provident Fund (PPF).
    • Your diversified approach reflects a blend of equity, debt, and retirement-focused instruments, showcasing a balanced investment strategy.
    Assessment and Recommendations:
    1. Goal Alignment: It's commendable that you've set a clear financial goal of accumulating 1 crore by retirement. To evaluate your progress towards this target, consider using a retirement calculator or consulting with a Certified Financial Planner (CFP). They can provide insights into whether your current investment contributions align with your desired corpus.
    2. Asset Allocation: Assess your asset allocation across different investment categories to ensure it aligns with your risk tolerance and time horizon. While equity investments and higher-risk instruments like MF and Equity have the potential for significant growth, they also entail volatility. Consider rebalancing your portfolio periodically to maintain an optimal mix of growth and stability.
    3. Diversification: Review the diversification within each asset class to mitigate risk and enhance returns. Ensure your MF and Equity investments are spread across different sectors and market caps to minimize concentration risk. Additionally, consider diversifying your debt portfolio beyond traditional instruments like FD, NPS, VPF, and PPF to explore avenues offering potentially higher returns.
    4. Regular Review and Adjustments: Periodically review your investment portfolio to track performance, assess market conditions, and make necessary adjustments. As you approach retirement, consider shifting towards more conservative investment options to safeguard your capital and generate stable income streams.
    5. Professional Guidance: Consider consulting with a Certified Financial Planner (CFP) to receive personalized advice tailored to your financial goals and risk profile. A CFP can help you optimize your investment strategy, identify areas for improvement, and navigate any challenges or uncertainties along the way.
    In summary, while your current investment approach demonstrates a solid foundation, periodic reassessment and adjustments may be necessary to ensure you're on track to achieve your retirement goal of 1 crore. By staying proactive, diversifying prudently, and seeking professional guidance, you can enhance your chances of reaching your financial milestones with confidence.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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    Money
    Hi Sir, I have stopped EPF contributions wef Sept 23 due to end of my regular job at age of 57. Do I need to withdraw exactly as soon as I complete 58? Or I can park the money in EPFO to earn interest and withdraw when I require later? Do I need to
    Ans: You're making prudent considerations regarding your EPF contributions. Let's discuss your options:
    Withdrawal Timing:
    • You have the flexibility to withdraw your EPF balance after the age of 58, as per EPFO regulations. There's no mandatory requirement to withdraw immediately upon turning 58. You can choose to keep the funds parked in your EPF account to continue earning interest until you require them.
    Interest Earnings:
    • By leaving your EPF balance untouched, you can benefit from accruing interest on your savings. EPF offers competitive interest rates, providing an opportunity for your funds to grow over time. This approach can be particularly advantageous if you don't have an immediate need for the funds and wish to capitalize on their earning potential.
    Withdrawal Considerations:
    • While you have the option to retain your EPF balance and withdraw it at a later date, it's essential to evaluate your financial goals and liquidity needs. Consider factors such as your retirement plans, anticipated expenses, and other sources of income. If you foresee a need for funds in the near future, withdrawing from your EPF account may be a viable option.
    Financial Planning:
    • As you navigate this decision, consider consulting with a Certified Financial Planner (CFP) who can provide personalized guidance based on your specific financial situation and goals. A CFP can help you assess the pros and cons of retaining your EPF balance versus withdrawing it, taking into account factors such as taxation, inflation, and investment alternatives.
    In summary, you have the flexibility to decide when to withdraw your EPF balance after the age of 58. While retaining the funds in your EPF account allows you to continue earning interest, it's essential to weigh this option against your financial needs and objectives. By carefully evaluating your circumstances and seeking professional advice, you can make an informed decision that aligns with your long-term financial well-being.

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

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    Money
    I am 24 Years Old. Working in Cybersecurity Domain in a Renowned Organization. I am Investing in Mutual Funds through SIP since Last 4-5 Months. Here is my Breakup. I am Investing 50k in SIP. ( 15k Parag Parikh Flexicap + 15k Quant Mid Cap Direct + 13k Aditya Birla PSU Direct Growth + 7k UTI Nifty 50 Index) . I want to know am going right way in terms of investment or should I change the funds or follow some other processes. My Goal is to Gather some corpus to buy a property shortly around in budget (30-40lac,) and after that I will save for future investments. Can You guide me with some better advice.
    Ans: It's fantastic to see your proactive approach towards investing at such a young age! Let's dive into your investment strategy and explore some recommendations:
    Investment Breakdown:
    • You're investing 50,000 rupees per month through SIPs, with allocations across different mutual funds.
    • Your current portfolio consists of Parag Parikh Flexicap, Quant Mid Cap, Aditya Birla PSU, and UTI Nifty 50 Index funds.
    Amidst your journey, you're undoubtedly making commendable strides towards securing your financial future. However, let's explore some aspects to ensure you're on the right track:
    Diversification:
    • Diversification is key to mitigating risk and maximizing returns. Your current portfolio seems well-diversified across different market segments, including flexicap, mid-cap, PSU, and index funds. This approach offers exposure to various sectors and can potentially enhance long-term growth prospects.
    Active vs. Passive Investing:
    • You've chosen actively managed funds, which offer the benefit of professional fund management and the potential for outperformance. While index funds like UTI Nifty 50 Index provide low-cost exposure to market indices, they may lack the potential for alpha generation compared to actively managed funds. Active management allows fund managers to capitalize on market opportunities and adapt to changing market conditions, potentially leading to superior returns over time.
    Future Goals:
    • Your goal of accumulating a corpus to purchase property aligns with your long-term financial objectives. As you progress towards this milestone, continue to prioritize disciplined saving and prudent investment decisions. Consider revisiting your asset allocation and investment strategy periodically to ensure they remain aligned with your evolving goals and risk tolerance.
    Recommendations:
    • Given your goal of purchasing property in the near future, maintaining a balanced approach to investing is essential. Consider continuing with your current SIP allocations, as they offer diversification and potential for growth. However, if you're considering adjustments, consult with a Certified Financial Planner (CFP) who can provide personalized guidance tailored to your specific financial situation and goals.
    • When it comes to purchasing property, start researching potential locations, property types, and financing options. Additionally, continue saving diligently towards your down payment and associated expenses to achieve your homeownership goal.
    Remember, investing is a journey, and it's essential to stay focused on your objectives while adapting to changing circumstances. With your proactive mindset and commitment to financial growth, you're well-positioned to achieve your aspirations. Keep up the excellent work, and don't hesitate to seek professional advice whenever needed. Your dedication to financial literacy and planning will undoubtedly pave the way for a brighter financial future!

    ...Read more

    Ramalingam

    Ramalingam Kalirajan  |1606 Answers  |Ask -

    Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

    Asked by Anonymous - May 08, 2024Hindi
    Listen
    Money
    Hi, I am 41 year old with my wife and 3 kids. I have already invested 390000 in various mfs and currently sip of 15,000 pm. Also I am investing 50000 per year in NPS from past 3 years I want to retire at age of 52 year. My current expense is 50,000 pm. How do I get 70,000 after my retirement.Please advise. Thanks.
    Ans: Planning for retirement requires careful consideration of various factors, including your current investments, future expenses, and desired retirement lifestyle. Let's explore some steps you can take to achieve your retirement goal of generating 70,000 rupees per month after retiring at the age of 52:

    Assess Current Investments: Start by assessing your current investments, including the 3,90,000 rupees invested in various mutual funds (MFS) and the 15,000 rupees per month SIP. Evaluate the performance of your investments, their growth potential, and their suitability for achieving your retirement goal.
    Review NPS Contributions: Review your contributions to the National Pension System (NPS), which can provide you with a pension income during retirement. Since you've been investing 50,000 rupees per year for the past three years, evaluate the expected corpus at retirement age and the potential pension income it can generate.
    Calculate Retirement Corpus: Estimate the corpus needed to generate 70,000 rupees per month after retirement. Consider factors such as inflation, expected rate of return on investments, and life expectancy. Use retirement calculators or consult with a financial advisor to determine the required corpus.
    Increase SIP Contributions: To accelerate your retirement savings, consider increasing your SIP contributions. Determine how much additional monthly SIP amount you can comfortably afford and adjust your investment strategy accordingly. Aim to maximize your savings while maintaining a diversified portfolio aligned with your risk tolerance and investment goals.
    Explore Additional Income Sources: Apart from investments, explore other income sources that can supplement your retirement income. This may include rental income from properties, income from side businesses or freelancing, or any other passive income streams.
    Optimize Expenses: Review your current expenses and identify areas where you can reduce unnecessary spending. By optimizing your expenses, you can free up more funds for retirement savings and increase your chances of achieving your financial goals.
    Seek Professional Advice: Consider consulting with a Certified Financial Planner (CFP) or financial advisor who can provide personalized guidance based on your specific financial situation and retirement goals. A professional can help you create a comprehensive retirement plan, optimize your investment strategy, and make informed decisions to secure your financial future.
    By taking proactive steps to maximize your savings, optimize your investments, and plan for retirement, you can work towards achieving your goal of generating 70,000 rupees per month after retiring at the age of 52. Stay disciplined, stay focused on your objectives, and regularly review and adjust your financial plan as needed to stay on track towards a financially secure retirement.

    ...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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