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Kanchan

Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 23, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Mar 21, 2024Hindi
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Hi I'm a 35 year old unmarried female working in IT field. I live with my parents. I've been unlucky in finding a perfect partner for myself (arrange marriage proposals only). N I'm tired of this entire process now. Have never been in love or relationship earlier. I want to get married desperately to have that companion for me in my life as an emotional anchor. My parents are old n my elder brother's health is deteriorated enough that doctors said he doesn't have much time to live. I'm so much into all these issues at home that i feel i don't have a personal space at all. Recently I came across an alliance from a well trusted relative's friend who's a divorcee, within a month of marriage (n because of the wife's past relationship that was hidden during marriage), they applied mutual divorce. My horoscope has some dosha which seems to be perfectly matching with this person's jatakam. I've been asked twice to think about this alliance as he's genuinely a good person. Kindly advise me what best I can do now.

Ans: It sounds like you're facing a lot of pressure and stress from various aspects of your life, including your family situation and the pressure to get married. Its understandable that you feel desperate to find a life partner given your family circumstances, but it's important not to rush into a decision. Marriage is a significant commitment, and it's crucial to take the time to make sure you're making the right choice for yourself.Consider carefully the alliance that has been proposed to you. Take the time to get to know the person and assess whether you share compatible values, goals, and lifestyles. Look beyond the superficial aspects such as horoscope matching and focus on the substance of the relationship.If you have any reservations or doubts about the alliance, don't hesitate to communicate them openly and honestly with your family. It's essential to have open communication and ensure that your concerns are addressed before moving forward.Given the stress you're experiencing at home with your brother's health and your parents' situation, it's essential to prioritize your own well-being. Consider seeking support from friends, family members, or a counselor who can provide guidance and perspective during this challenging time.If you're feeling overwhelmed by the pressure to get married through arranged marriage proposals, consider exploring alternative avenues for finding a life partner. This could include online dating, social events, or networking through mutual connections.Take some time to focus on yourself and your own needs and desires outside of the pressure to get married. Pursue hobbies, interests, and activities that bring you joy and fulfillment, and prioritize self-care to maintain your emotional well-being.Ultimately, trust your instincts and intuition when it comes to making decisions about your future and your happiness. Don't feel pressured to conform to societal expectations or family pressures if it doesn't feel right for you.
Remember that your happiness and well-being are paramount, and it's essential to prioritize your own needs and desires as you navigate this challenging time in your life. Take things one step at a time and trust that you will find the right path forward for yourself.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 11, 2022

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 Dear Ma'am, I have been in a relationship since the last 4 years with a person 8 years older to me. We're of different caste plus I'm still in my career building phase and I can't even think of taking it to the next level. Also, since last few months the relationship has been a pain in my neck, it has been damaging my inner peace and equilibrium. He leaves and then comes back, each time I'm firm that I won't resume it but I do love him more than anything else so we get back together. In this entire process, I feel too exhausted now and the damage feels beyond repair. He's 31 already and his parents are forcing him for marriage now. Considering the impracticable situations, I know he has already given up on us but continues to be around for the emotional comfort he gets from me. He doesn't understand that it's damaging me, I can't run around in circles. He thinks let's continue it till we can, but what after that? He'll suddenly tell me he's getting married and what then? What would I do with all the anger and dissent within? Everyone around me keeps telling me to leave him because of all these reasons. Also, I'm in my early 20s and I have an entire life in front of me, I want to build my career. Also, I don't feel the need to see someone else just as a relapse or desperate situation, I'm a very conserved person that way. But I do need to break this toxic cycle and regain the control over my life. I want to grow and prosper, but this entire myriad of emotions drags me down..Please tell me what to do? Thanking you in anticipation.
Ans:

Dear SB,

What are you? His emotional sponge?

One thing I want to appeal to you is: Self-respect is something that we are so ready to give up for just a little love and attention. And the way you treat yourself is how others will treat you.

You are in your early 20s and you have an entire life in front of you and you want to build your career.

With the current space that you are in, do you feel you are choosing wisely to fulfil what you want from life and for yourself?

Also, are there other ways in which you can bring this relationship together. Like sitting him down and talking; maybe an elder in the family can do this.

If nothing works, remember, your life, your choice, your terms…nothing and no one can mess with your peace of mind unless you give them the permission to do so.

You want to prosper, then think and act in a manner that will allow you to prosperity and think of losing all that is keeping from feeling this prosperity.

Step up, take charge of your life NOW. All the best.

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Please always seek the guidance of your doctor or a qualified health professional with any questions you may have regarding your health or a medical condition. Do not ever disregard the advice of a medical professional, or delay in seeking it because of something you have read herein.

If you believe you may have a medical or mental health emergency, please call your doctor, go to the nearest hospital, or call emergency services or emergency helplines immediately. If you choose to rely on any information provided herein, you do so solely at your own risk.

Opinions expressed herein cannot necessarily provide advice to fit the exact specifics of the issues of the person requesting advice.

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 20, 2021

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My name is 'X' and I belong to a middle class family. Right now, I am 46 and my marriage was solemnised about 10 yrs back. It was a totally arranged marriage would like to state here that I didn't like the girl or her appearance right from the start. I am a teacher by profession and my mother wanted her would be daughter- in law to have a similar background that is like that of a teacher. Initially, I was hesitant to marry this girl selected by my parents, but then I consented to the marriage thinking that whatever my elders and my parents had thought about my future would be the correct decision related to my life. Moreover, everybody had started to say that the girl would suit me. But right from the 1st day of marriage, I started resenting the relationship. Nothing happened between us on the 1st night of marriage. The girl didn't have any specific faults, but somehow she didn't appear to be attractive at all for me. The colour of her skin was dark, maybe I wanted a fair skinned girl. Finally, the situation came to such an extent that she, in collusion with her family, lodged a false case of domestic violence against us because they felt that the girl was unfairly neglected by me. They also wanted to derive unfair financial gain at my parents and my cost. The case continued for 7 years and ultimately we won it. And now, after many years, I have once again started to feel that I should marry even though I am of advanced age. I want a partner who is attractive, beautiful and above all, who is so matured in her outlook that after marriage, we will not even care for any petty issues and not fight over silly matters. I am also taking the help of Shaadi.com in this matter through all the attractive membership schemes launched by them. Now, at this juncture, I really need your advice as to whether I should proceed forward and take this step at my age. This is moreso because as a life partner, I want an elite kind of girl who is far above the kind of girl which we see in most common middle-class societies. I do not want to disclose my name.
Ans: Dear KS, before you proceed on this journey of finding a life partner for yourself, it is time to rework your strong beliefs on appearance, skin colour etc.

What went wrong with your first marriage maybe anybody’s guess, but there’s no judging here!

Not that, you were coerced into it; you fully know you always had the option of saying you didn’t want to marry the girl.

Yet, you went ahead convincing yourself that your family knew what they were doing for you.

The unfair financial gain that they wanted might have been a direct result of the unfair treatment from you towards their daughter.

Did that occur to you?

You say you want a life partner who will not rake up petty issues and be matured as well, don’t you feel that is what she will expect from you as well?

Since I don’t have the details, it would be unfair of me to presume anymore on this.

It was to simply turn your head towards how your old-fashioned thinking might step into your next marriage as well?

How would you feel if on the first night in your next marriage, your wife comments on your physical appearance or your performance in bed?

Are you going to walk around with a high self-esteem even after that?

Let’s now lead you to a place that can make it a beautiful experience for you…

So much has changed and I truly wish that you look at your spouse for what she can add into your life instead of harping on what she doesn’t possess?

I mean, as humans the flaws that we walk around, if it were pointed to us on a daily basis, it would depress us to a point that we may end up feeling that we are not good enough.

What I would suggest after having worked with couples over years helping them rebuild their marriages is to change your way of thinking and embrace the next person for who she is once you know your initial check boxes have been ticked that might involve matching value systems.

This helps in rooting your marriage on a strong foundation; rain or storm, the two of you will be smiling and holding hands to walk the journey together.

Wishing you a beautiful life!

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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 18, 2023

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Hi Anu , This Raaj here this side, I have seen your views on the relationship here on this site . so for that I need your help and your valuable expertise . About myself I am 42 yrs self employed businessman ,I got married in march 2010, it was a arrange marriage . from the day 1 there is a problem and it increases day after day. From the that wedlock I had baby girl . from 2012 situation got worsened matrimonial cases started it continued for next 4-5 yrs . after long battle I got divorced in 2016-17. This divorce cost me a lot , bcoz of that I lost my friends , social stigma, financial lost ( hefty alimony)and lot other problem which are associated with this . Now the main problem comes here , as after my divorce I was not ready to get re marry again but my parents are pressuring mr to get settle again ASAP. After long persuation I said ok …. I started searching my own and parents also started there own . In last 4 yrs I have seen lot of prospects ……..( kissi ko main nahi pasand , kissi ko mera kamm nahi pasand , kissi ko mere parents ke sath rehna nahi pasand …….. kissio ko meri income se problem hai,……………toa kuch mujhe nahi jachi.)there is lot of pressure on me that I should be perfect now after my divorce . after all this I had few good prospects ………….1. she was good but she wasnot happy with my income , she said no to me initially but continued talking and we are still in touch as she moved to Australia in APR 2019.As now we r really very good friends now ,Jab main usme interested tha toa usne na boll diya ………but jab usne dubarra reconsider karke propose kiya toa maine na boll diya. Than in 2020 COVID hits which upsets everybody’s life .360degree . In NOV 2020 I met 1 girl on one of the matrimonial sites ….we shared our details stated talking to each other , she liked me but didn’t responded her positively but continued our talks………in march2021 pata nahi kaise aur kyu …..maine use propose kiya…… maine use milne uske passd gaya ……….we talked …..shared our thoughts ….spend good time ……..but raat ko ghar vapis aa ke maine use NO kar diya . REASON is not known ya kahu toa main darr gaya tha .because of this she also got upst and that makes her depressed. For next 10 days I was so depressed I didn’t had my proper meal ……nothing all. I was in guilt ,that make me depressed for really long . I was only thinking about her only all the time nothing else, On 2nd JULY 21 ko maine pher user message kiya ………. After 2-3 days after my sorry and all that we started talking again. Everything stated good again .now in last week of july 2021 my father got severe heart attack ……and he had a surgery . Now they are pressuring me again that I should get settle soon ……..all my family members and sister and all. Maine Phir usko marriage ke liye tyar kiya aur phir batt ko STOP kar diya . and this tym mujhe gharwalo se aur sab se bahut anbun ho gayi. Ab mujhe samaj aa rahi ki main kya karu . main shaddi to karna chata hoon par kissi pe trust nahi kar pa raha hoon . mere ghar valo ka mujh pe bahut pressure hai . there are some other problem which I would like to disscuss in future . pls help me what should I do , I m feeling helpless . Thanks Raaj
Ans: Dear Raaj,
What is it that you want?
You seem to ready to get into a relationship because your family thinks so, your father had a heart attack and then they pressure you to find a girl to marry.
So, what is it that you want and want to do?
And the possible reason for not striking a chord with the women that you were interacting with. When you have decided what you want, it will show up in your body language, facial gestures and within the conversation. You are possibly still healing from your divorce and are not ready to get into another marriage. So, don't. First, sort your mind out and then think of another relationship.
So kindly, start to think for yourself ignoring what your family tells you. Yes, you need to do that. Family pressure is no reason to get married; of course they mean well and care for you. But, what you want is what matters here.
So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you. Heal from your divorce and think about what you need in another relationship and in your partner. When you ready, then it's time. So, no more helplessness, only strength.

All the best!
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 21, 2023

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Hello Anu Ji, Firstly thank you very much for your valuable time and feedback on problem. Thanks for understanding me & my POV in this small conversation. After so long Its you who had read between the lines .I am really very thankful of you , that you have given me such a lovely advice. But I am bit confused. After reading mail I was really get very positive and optimistic about my decision. I read ur mail 4 times , I got a positive ray of hope with lot of confusion comes with it . You said “You are possibly still healing from your divorce and are not ready to get into another marriage.” Yes this is the question. Its almost 7 years why I can’t be able to overcome from that dilemma and trauma which I got in past . You said “First, sort your mind out and then think of another relationship” , yes another question what should I sort it down and how ? You said “ what is it that you want and want to do?” this the problem which is not letting me move on.bcoz of this I am so much confused I can’t express you in word . I am not able to understand my wants ……………there is a Cat- Rat Race from Head to heart………from Heart to head all day. In simple words its (Kashmakash). You know ……….. I also want to get married, I want a companion …partner with whom I want to share my emotions, joy’s,……..happiness….etc., I want kids , I want to go for long drives , outings , dance with my wife , and lot of other small big things in my mind, which I was not able to do in past marriage. I want someone, to whom I can share my feeling when I am low. I am strong enough to take care of myself but u know … You need someone who say’s “Don’t worry Allz be well, I am with you “. But for this I have to Trust the other person that’s the thing I Am unable to do it . I don’t know why, I don’t Trust anybody now? why I am creating a vicious circle about trust .? You said one thing very beautiful “So, if you want to stop feeling helpless, take charge of your life and do what you think is right for you” these words really touched my heart .thanks for the encouragement and the words of strength. I really need it very badly. These words give me a new direction to think and bit of strength to my POV. Please forgive me about my English language ……. I am not very good at it and may be you find few thing repetitive and irritating. Pls ignore it . Hoping that I am able convey my POV and feelings of my problem so that u can easily understand…….and on that basis you give Your valuable feedback and advice. Thanks R@@J
Ans: Dear Raaj,
Thank you for your kind words.
The follow-up questions that you have asked me requires a deep-dive introspection from you. You have very clearly and intelligently come up with these questions which is difficult to do when in a problem. But you have managed to do that. So congratulations on taking the first step!

To clarify, always clear any remnants from the previous relationship before you begin a new one. Also, any relationship including marriage is something never to be entered into to please anyone. Do this only when you are ready and there is no need to give into any pressure. Your longing for a companion is sweet but as I have mentioned, ask all these questions to yourself and reflect.
Also, ask:
- am I completely ready to commit to a marriage?
- am I carrying any fear/anger from the previous marriage?
- how will I keep my relationship with my daughter after my marriage?

And yes, the day you learn to love yourself again, you will find it easier to trust again and that's why I said: Heal first...and then think of a companion. Without that trust, you will be playing a game again and it will not end well.
Take some time off to rediscover yourself and heal. Heal by loving yourself and things will flow without you having to chase one lady after the other. Love must be effortless and not chased or forced. Take a break; fear nothing...All will be well...

All the best!
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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on May 19, 2023

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I'm 48 years old never married guy. I once suffered from rare cancer which is cured now. Also hv epilepsy whose treatment will go life long. Doctor says that i should disclose my health issue with whom I'm thinking of getting married but no one takes talks further. I'm infact ready for divorcee or widow too but failed. Some ppl reject me as my salary is mot much, some says that i dont hv my own hm etc but i hv many friens who are getting less salary but are happily married. My whole family if highly educated although I'm also pg but still get rejected. My dad expired n was too worried for my marriage. Now my mother is with me n i dont know what to do. I hv spend approx 35k on matrimonial advertisements but got no success. Im currently in touch with girl for last 1+ year but dont know whether she likes me or not although i hd expressed my feelings to her many times but she never respond n get silent on that. Kindly help whether i should approach this girl or leave her. I like this girl very much. Should i still search for a bride or leave this issue. Kindly help.
Ans: Dear Shashank,

If you have been straightforward about your feelings for this woman and expressed the same and yet she has never reciprocated it even once so far, it might be because she does not feel the same about it. I'd suggest you talk to her about this. Instead of leaving it open-ended, like "I like you," and letting her react to it, be direct. For instance, "I like you. What about you? Do you like me?" Being direct would definitively fetch you some real answers. If she replies to your question, there you go; you have your answer. If she ignores it still, you can safely assume that she doesn't feel the same way as you do. Don't delay this; ask her as soon as possible. Stretching a relationship that ultimately leads to a dead-end will harm your peace and happiness in the longer run.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I am regularly investing via SIP in UTI flexicap since last 6 years. Now, I am seeing that, UTI FLEXICAP is underperforming relative to its peers. What should I do now? Should I stop SIP or continue?
Ans: When faced with underperformance in an investment like UTI Flexicap, it's essential to assess your options carefully. Here's a suggested approach:

Review Performance: Evaluate the fund's performance relative to its benchmark and peer group over various time frames. Consider factors like consistency, volatility, and risk-adjusted returns.
Understand Reasons: Research and understand the reasons behind the fund's underperformance. Assess changes in fund management, investment strategy, sectoral exposures, or market conditions that may have contributed to the performance lag.
Assess Your Portfolio: Consider how UTI Flexicap fits into your overall investment portfolio. Evaluate its role in diversification, risk management, and alignment with your financial goals and risk tolerance.
Consult with a Certified Financial Planner: Seek advice from a professional who can provide personalized guidance based on your individual circumstances. A Certified Financial Planner can help you assess whether to continue SIPs in UTI Flexicap or consider alternative options.
Explore Alternatives: Research other mutual funds in the flexicap category that have demonstrated consistent performance and align with your investment objectives. Compare their track records, investment philosophies, and expense ratios before making a decision.
Monitor Regularly: Regardless of your decision, continue to monitor the performance of your investments regularly. Stay informed about market trends, fund developments, and changes in your financial situation that may warrant adjustments to your investment strategy.
Ultimately, the decision to continue or stop SIPs in UTI Flexicap depends on your assessment of its performance, your investment goals, and your risk tolerance. With careful consideration and professional guidance, you can make informed choices to optimize your investment portfolio.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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I am 30 years old earn 1.35 lakhs monthly. I have 55 Lakhs of Loan taken for 30 yrs and my Investments goes in PPF-1.5 Lakhs, NPS-50k, Mutual Fund(White Oak)- 5k, Parental Med Insurance-50k, Loan Insurance HDFC- 1.35 lakhs for 5 yrs(2 yrs completed), PF amount- Around 8k. I am not understanding how to save and repay my loan within 12-15 yrs. Please suggest how to manage. Where to fluctuate.
Ans: Managing a significant loan burden alongside investments can be challenging, but with careful planning, it's possible to achieve a balance between debt repayment and wealth accumulation. Here's a tailored approach for you:

Assess Loan Repayment Strategy: Given your loan amount and income, aim to accelerate repayment to reduce interest costs. Explore options like increasing EMI amounts or making occasional lump sum payments whenever possible.
Prioritize Debt Repayment: Allocate a significant portion of your surplus income towards loan repayment while maintaining essential expenses and savings contributions. Consider adjusting your budget to free up more funds for this purpose.
Optimize Investments: While continuing essential investments like PPF, NPS, and mutual funds, consider temporarily reducing contributions to free up more funds for loan repayment. You can gradually increase contributions once the loan burden reduces.
Review Insurance Policies: Evaluate your insurance policies to ensure they align with your current needs. Consider maintaining adequate coverage while optimizing premium costs.
Utilize Windfalls: Any unexpected income, bonuses, or tax refunds can be directed towards loan prepayment to accelerate debt reduction.
Consider Refinancing: Explore options to refinance your loan at lower interest rates or shorter tenures to reduce overall interest costs and accelerate repayment.
Track Progress Regularly: Monitor your loan balance, investment performance, and overall financial health regularly. Adjust your strategy as needed to stay on track towards your goals.
Seek Professional Advice: Consult with a Certified Financial Planner who can assess your financial situation comprehensively and provide personalized guidance on optimizing debt repayment and wealth accumulation strategies.
By adopting a proactive approach and optimizing your resources effectively, you can work towards both debt freedom and financial security. Remember, consistency and discipline are key to achieving your financial goals over time.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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I am 38 yr old with 2 daughters 14 n 7 yrs old. I earn a monthly salary of 50k per month.I have invested in SIP just since last 4 months. Aditya Birla Sun Life digital India fund growth: 3000/- ICICI prudential commodities fund direct growth: 500/- Quant small cap : 1000/- SSY: 1000/- I have a monthly emi of 15k. And other expenses of 15k Please help with me know if the MF are fine to go ahead or should I stop. If so...pl suggest better ones.
Ans: At 38, with two daughters and a monthly salary of 50k, your commitment to investing for your family's future is commendable. Let's review your current SIP investments:

Aditya Birla Sun Life Digital India Fund: This fund offers exposure to the digital revolution, which can be a high-growth sector. Given the increasing digitalization trend, it's a promising choice for long-term growth.
ICICI Prudential Commodities Fund: Commodities can be volatile and subject to market fluctuations. While they offer diversification benefits, they may not be suitable for all investors due to their inherent risk.
Quant Small Cap: Small-cap funds can offer high growth potential, but they also come with higher volatility. They're best suited for investors with a high-risk tolerance and a long-term investment horizon.
Sukanya Samriddhi Yojana (SSY): This government-backed scheme is an excellent choice for securing your daughters' future education and marriage expenses. It offers tax benefits and guaranteed returns, making it a reliable investment option.
Given your financial responsibilities and investment horizon, it's essential to ensure that your portfolio is well-balanced and aligned with your risk tolerance. Consider consulting with a Certified Financial Planner who can assess your financial goals and recommend suitable investment options.

While your current SIPs show diversity, you may want to review the ICICI Prudential Commodities Fund due to its higher risk profile. Instead, you could consider adding a diversified equity fund or a balanced fund to your portfolio for stability and growth potential.

Remember, regular review and adjustment of your investment strategy are essential to ensure it remains in line with your financial goals and risk tolerance. With careful planning and professional guidance, you can build a robust investment portfolio that secures your family's future aspirations.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I want to invest 1000000 for 5 yrs. my age is 65 yrs
Ans: As you embark on this investment journey at 65, it's crucial to follow a systematic process to ensure your financial goals are met while considering your age and time horizon. Here's a general roadmap:

Define Your Goals: Clearly articulate your financial objectives for the next 5 years. Whether it's funding retirement expenses, leaving a legacy for your loved ones, or achieving a specific milestone, knowing your goals is the first step.
Assess Risk Tolerance: Understand your risk tolerance and investment preferences. At 65, capital preservation may be a priority, but some exposure to growth assets could still be beneficial.
Consult with a Certified Financial Planner: Seek guidance from a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can recommend suitable investment options tailored to your needs.
Choose Investment Avenues: Based on your goals and risk profile, select appropriate investment avenues such as mutual funds, fixed deposits, bonds, or a combination thereof.
Diversify Your Portfolio: Diversification is key to managing risk. Spread your investment across different asset classes and sectors to reduce vulnerability to market fluctuations.
Monitor and Review: Regularly monitor your investments and review their performance. Adjust your portfolio as needed to stay aligned with your goals and changing market conditions.
Stay Informed: Keep yourself informed about economic trends, market developments, and regulatory changes that may impact your investments.
By following these steps and seeking professional guidance, you can navigate the investment landscape with confidence, ensuring your financial objectives are met over the next 5 years. Remember, it's never too late to invest wisely and secure your financial future.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hallo Sir, I'm Railway employee, aged 33 yrs, married and glad to have 8 months baby boy. My gross income Rs. 8,00,000/- Per annum... I have House building lone of Rs. 31,000/- pm. After all expenditure of per month. Deduction of NPS fund are there per month as the guide line of govt. Except the NPS deduction I have PPF account where I'm Investing of Rs. 1,500/-pm. Now I am determined to invest of Rs. 17,000/- pm per month to secure the future of my son and I have a long term goal minimum of 10 years. May please advise me where I shoud invest the Rs. 17,000/- pm. Let me also know how to invest the aforesaid amount in different ways to earn maximum profit. Thanking you in anticipation.
Ans: Congratulations on the newest addition to your family! It's heartwarming to see your dedication to securing your son's future. With a clear goal of investing Rs. 17,000 per month for the next 10 years, you're taking a significant step towards long-term financial stability.

Considering your circumstances, it's wise to explore a diversified investment approach tailored to your risk tolerance and financial goals. This might include a mix of equity mutual funds, debt instruments, and possibly even some exposure to balanced or hybrid funds.

By diversifying your investments, you spread risk and maximize potential returns over the long term. Remember, investing is a journey, and it's crucial to stay focused on your goals while navigating market fluctuations.

Consulting with a Certified Financial Planner can provide personalized guidance aligned with your aspirations. Together, you can craft a robust investment strategy that caters to your son's future needs and ensures financial security for your growing family.

Your commitment to securing your son's future is truly commendable, and with strategic planning and prudent investment choices, you're laying a solid foundation for his bright tomorrow.
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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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