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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 12, 2024

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
Asked by Anonymous - Dec 09, 2023Hindi
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Relationship

I m not able retired but not tired best to control extra n useless thoughts/compulsive behaviour as compelled marital life n maintain Rourine which I lost after being retired but not tired with tegrets of unsuccessful personal n official life. ex HOD(Electrical)/Principal Govt.Polytechnic 4 SC Students

Ans: Dear Anonymous,
Your question to me is very unclear and what I understand is that you are dealing with useless thoughts...The only way is to find something useful to do...something that is fulfilling and something that you can enjoy...
Retirement does not mean that you sit at home all day feeling sorry for yourself BUT utilize this time to do things that you could not do while in employment. Manage your time wisely and if your finances permit, travel...travel brings in new experiences and new stories to fill your life with.

All the best!

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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 24, 2023

Asked by Anonymous - Feb 23, 2023Hindi
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I am 60 year old havig a family of a spouse and a son. since last two years our relation with spouse is not moving smoothly for everything there is an argument and no concensous in the matters of day tody life, son is also not lisoning properly I am under seveor stress which is leading to upset my health and I am facing epilepsy problen since last months I am unable to forget the things and move ahead. Thsere was no problem in leading a normal middle class life. I am facing in security and also I facinig negativities in my life and slowlely slipiing in depression I am trying too much to forget theses things but I am not in a position to lead a peacefull life inspite of adequate resources. Kindly advise me.
Ans: I'm sorry to hear that you're going through a difficult time with your spouse and son. It sounds like the arguments and lack of consensus are causing you a lot of stress and impacting your health. It's important to prioritize your health and seek support if needed.

It might be helpful to try and have an open and honest conversation with your spouse and son about how you're feeling and see if there's a way to work together to improve the situation. It could also be beneficial to seek professional support, such as therapy or counseling, to help you manage your stress and emotions.

Additionally, taking care of your physical health through regular exercise, a healthy diet, and enough rest can also help improve your overall well-being. It's important to remember that it's okay to ask for help and take steps towards finding peace and happiness in your life.
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Kanchan Rai  |169 Answers  |Ask -

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

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I am working in a good priviate company for the last 32 years . For the last 6 months I am loosing interest in work orin office wanted to stay at home. But I had realised that even at home during holidays/sundays I do not feels good at all, dont like to talk intereact etc. even do not like to visit any wheres . all the tims=es scared about unwanted worries . Plesae tell me the solution.
Ans: Dear K
It sounds like you may be experiencing a deeper sense of disengagement and possibly even symptoms of depression or anxiety. It's important to address these feelings and seek support from professionals if needed. Consider reaching out to a therapist or counselor who can provide you with support and guidance. They can help you explore the underlying causes of your feelings and develop coping strategies to manage them. Prioritize self-care activities such as exercise, meditation, spending time outdoors, and engaging in hobbies that bring you joy. Taking care of your physical and emotional well-being is crucial for managing stress and improving your mood.Even if you don't feel like socializing, try to stay connected with friends and loved ones. Having a support system can provide comfort and perspective during difficult times.Reflect on what gives your life meaning and purpose beyond work. Consider volunteering, pursuing hobbies, or engaging in activities that align with your values and interests. Be gentle with yourself and recognize that it's okay to have periods of low motivation or energy. Set realistic expectations for yourself and celebrate small victories along the way.If you're experiencing symptoms of depression or anxiety, such as persistent feelings of sadness, hopelessness, or worry, consider speaking with a psychiatrist. They can assess your symptoms and recommend appropriate treatment options, which may include therapy, medication, or a combination of both.Establishing a daily routine can provide structure and stability, which can be especially helpful if you're feeling aimless or unmotivated. Try to incorporate activities that bring you a sense of fulfillment and accomplishment.Practice mindfulness and focus on the present moment rather than dwelling on past regrets or worrying about the future. Mindfulness techniques such as deep breathing, meditation, or progressive muscle relaxation can help calm your mind and reduce stress.
Remember that seeking help is a sign of strength, and you don't have to navigate these feelings alone. There are resources and support available to help you work through this challenging time and rediscover a sense of purpose and fulfillment in your life.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Money
Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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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