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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 25, 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
Navin Question by Navin on Jan 25, 2024Hindi
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Relationship

I have married since 19 years, married ceremony is her elder sister's house. Wife is ignoring me again. She is not buying any new dresses but discuss with both sisters n her mother but problem is not that but why when i am not at home. She calls them in my absent, and does not share anything with me. When asked just quarrels with me n not talking to me normally, even talks very ruthly.

Ans: Dear Navin,
What exactly is your issue here? How do you want me to guide you?
I can only assume that you are unhappy that your wife does not share much with you. Maybe because she finds it safe and comforting sharing with her side of the family?
Have a frank chat without complaining but hearing her as to what bothers you...that might help you understand her better.

All the best!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2022

Relationship
I am from mechanical background and work as an engineer. My wife is an IT professional. We got married in 2014 by finding through matrimony site and same caste. I belong from Haryana and she is primarily from UP and we have grown in different cities. She has one sister (IT professional) who got divorced in 2012 and married again in 2014 after our engagement. Everything was fine. The story started after the engagement. I noticed she used to talk her jija (PG guest house renter) and I showed him caution since she did not attend my call in between. I again noticed her commanding behaviour when we were selecting the menu selection (food) for the upcoming function that was to happen at my place but I ignored it. Honeymoon was in Singapore where his brother played a role for ticket arrangement and agency where I paid her half the amount as per her wish. In the honeymoon also, I noticed she use to go to the bathroom and keep sending information to her family members which I ignored. By now I was of a view that she use to share thick and thin with her family members. After we married, I was supposed to go to Pune for two nights and she was alone in our flat. When I came back, I asked the security guard to share visitors list and saw her jija’s name (might be with her sister). I took a photo and went to the flat. I asked her anyone had come and she lied to me. Then it turned to be a hell fight and in the morning she put herself on her knees and said sorry and said it will not repeat. But this did not stop here. My and her office was in Gurgaon and sometimes she said please come for pickup. I went to her office two hours prior to her given time and caught her again with her jija and her sister. This kind of stuff I noticed two-three times. Once, we were roaming in a craft mela and we came across her jija and her sister. She used to go her home without telling for how much time she is going and all. This resulted in no stuff shared by me also. Her parents never called me and I also never connected with her parents and brother or her family. Whenever any fight happens, she shouts loudly to attract attention and she uses sex as a tool to forget every matter and move on. On the festival front, she carries on with her ways and has never accepted our ways. She always mentions, ‘Tum logon ko puja bi nahi karni aati.’ Her brother and parents visited only five-six times in seven years. They have a big time connection with elder jija. We have never take any penny from her salary till now because, on many occasions, I found her of ill-mentality. With God’s grace, we have two flats and our financial background is good. Whenever I try to ask her about her bank balance, she never gives answers. I tried to convince her that you pay my loan, I will give you EMI, but she always said she will think about it. I have four sisters. After we married, we visited them. She never gave them a penny and would always ask me; she would also say that I don’t have khulle paise. On one occasion she said, “Mere paise chori ho gaye.” It was the initial stage so we ignored it. But after that my shirt went missing and some stuff went missing. We also noticed a few times that our money was also stolen. We suspect her but are not sure about her behaviour. My sisters stay in the village and they came once in a year so there is no disturbance from my family. My mother is 75 years old and a very polite lady. She stays with us and interferes nothing in matters. We have two kids now. One of our kids is just ignoring her and the second kid is somewhat going with her and when I am at home he also usually spends time with me. She is never kind of playing and mixing person with kids and my behaviour is to mix and that’s the reason both kids connect well with me. Her parents stay in Dhanbad. She had gone there one year back but the kids refused to go. She put the blame on me. I told her that I can come along with kids to which she said big joke. After coming back from home, I notice she started saying no to everything -- like going our second home in the village or to attend any ceremony or saying no to sex, etc. Though I am a through gentleman, we ignore her but recently she provoked me and I said blah, blah, blah since she also use blah, blah, blah and recorded and called her brother and mother at our home. They use her father only for calling. Her father called and said, ‘Why are you using bad language?’ I said the same was used by her. They came my house twice for meeting. Her brother was quiet and mother overspoke. My wife used to threaten me three-four time for divorce and I kept ignoring her words. I mentioned this to her mother. Her mother in that meeting she will be here with taunting. She did the same thing to provoke second time and this time her mother use to never stop shouting along with my wife. Her brother also used abusive language and they brought one retired inspector. However, that retired person talk genuinely. He was from Haryana and, on many points, he mentioned festivals have family traditions. I never like her food in seven years not due to the bad reflection but due to her making recipe. I tried to change it in initial days, but she always tries to be heavy on me once I approach kitchen. So I left that and started eating. After two recent fights, there are no talks and I have kept one maid to cook my food. Now she used to go in the market/bank /her family frequently to disturb the atmosphere of the family. The big disconnect I found is she is full with backbiting and negative approach behaviour and never gives heed to positive behaviour. Either she will be quiet or she will be loud and attach no midway to discuss and debate. After all this, what I concluded is that my wife is totally hacked mind and adopted ill tactics to down me. Her family members are playing smartly and may be using her money also at the same time I observe that she don’t want to break with me. They want to put pressure on me by emotion/threaten means for the gaps (kids are not connected with her or her family). My thinking is time is a big healer and I have large mind to digest the situation comings. Please suggest me what can be best interest of this situation. Thanks
Ans:

Most of what you have written makes no sense.

If she is attached to her sister and brother-in-law, or even to her whole family, that should not be an issue for you. They are her family.

It’s not like she’s having an affair. And it’s not like she spends an unreasonable amount of time with them, is it? In fact, her parents are not even in the same city.

You not liking her cooking sounds like a complaint from the Middle Ages -- hiring a cook seven years ago would have helped instead of fighting!

And if she has a temper problem, that can be addressed as well, with mature discussions between the two of you. Involving other family members there is a mistake.

You’ve given importance to so many non-issues in your mail to me that I’m wondering where exactly the problem lies. Visit a marriage counsellor -- both of you.

 

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Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

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Hi Anu, I want to be anonymous on this.I'm 34years old and married 4.5months ago. It was an arranged marriage, we are from different caste. I'm a partial handicap person; I have issues with my leg. I am having issues with my wife's behaviour and I am looking for some consultation. During the initial conversations before marriage, she agreed on everything -- cooking, keeping me at bay on all works. I even informed, I don't like people who get angry and instead I like to discuss the issue and get it sorted out.But after marriage everything changed. From Day 1, she got angry on very little things like not giving hug/not drinking milk, using the phone while eating, laughing with colleagues while working or even if I cooked without informing. Getting angry is fine but she locks herself in a room for 5-10 hours and won't even respond to me. That irritates me the most. If by chance the door is open and when I enter, she won't see me and just go away like I'm some sort of stranger. I explained a lot but conveying this is wrong and it hurts me a lot, but still she does the same. I cried like a baby when I held her for not allowing her to leave the room.This has become a habit. In 4.5 months this happened for 2-3 months. My parents came home recently. Even during that time when we went out she got angry on a few things. I am not sure what it was about. When I am with family, I should respond to their needs but can't stay with her completely right? Why she can't understand it?I have to plead with her 1-2 hours to talk to me on the issue and then she tells me 'I did this/that and due to this, she got angry like the one I gave example above.She doesn't wake up till 8:30 or 9am. She won't cook or help me with household activities. And even when my mom came to teach her cooking, she didn't go. But in general, she says I want to learn cooking and especially learn what my husband likes.How much I can do? I'm getting frustrated with this behaviour and even informed her 'You're making me afraid to talk to you thinking what might get you angry.' Still no use. Please help me.
Ans:

Dear SD,

I have heard your side of the story but haven’t heard your wife on the same issue.

It seems the way you have described that your wife’s behaviour is unreasonable and selfish.

But I do believe that it takes two to tango.

What ever made her turn around differently from what she agreed upon before marriage?

Was she forced into this marriage?

Maybe it’s time to ask her:

What can I do for you?

What about me or my behaviour annoys you?

These questions shift from blame game to a solution space where you also take on the onus along with her to make the marriage work.

Obviously, something isn’t going on right and instead of bringing more instances that will prove that she’s at fault, why not bring in a space where the two of you work on your marriage.

Most times, just a shift in this thinking saves marriages and relationships.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

..Read more

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Sir, I am 72 years old and want to invest Rs 15 lac in M.F, in swp.already invested 22 lac in MF .I am high risk taker . I want swp amount after one year. Please suggest M.F schemes . Thanks
Ans: Given your risk appetite and requirement for SWP after one year, it's crucial to focus on mutual fund schemes that offer potential for high returns while considering the relatively short investment horizon. Here are some suggestions:

Large & Midcap Funds: These funds invest in a mix of large-cap and mid-cap stocks, offering a balance between growth potential and stability. Look for schemes with a track record of consistent performance and experienced fund management.
Sectoral/Thematic Funds: If you have specific sectoral preferences and are willing to take higher risks, you can consider investing in sectoral or thematic funds. These funds focus on specific sectors or themes like technology, healthcare, or infrastructure, offering the potential for higher returns but also higher volatility.
Aggressive Hybrid Funds: Aggressive hybrid funds invest primarily in equities with a smaller allocation to debt instruments. They are suitable for investors seeking growth with relatively lower volatility compared to pure equity funds.
Flexi Cap Funds: These funds have the flexibility to invest across market capitalizations based on market conditions. They offer a dynamic approach to asset allocation and can adapt to changing market trends.
Mid & Small Cap Funds: If you have a higher risk tolerance and a longer investment horizon, mid and small-cap funds can potentially offer higher returns. However, they also come with higher volatility and risk, so careful selection and monitoring are essential.
When selecting mutual fund schemes, focus on factors such as fund performance track record, fund manager's experience and strategy, expense ratio, and risk-adjusted returns. Additionally, consider diversifying your investments across multiple schemes to spread risk.

It's advisable to consult with a certified financial planner or investment advisor who can assess your financial situation, risk tolerance, and investment goals to provide personalized recommendations aligned with your needs and preferences.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
I have been laid off by my company and I have a PF balance of around 22 lacs. I read we are allowed to withdraw 75% if we are laid off and being unemployed at least for a month. I am thinking if it is a good idea to withdraw this 75% and invest in diverse options like mutual funds, FDs or corporate bonds which give better interest? I see mutual fund options in many apps these days with some good performing funds giving 33% returns on 3-year average. So should I consider investing at least 50% of my PF corpus in that option and balance in others? Please advice.
Ans: I'm sorry to hear about your job loss. With regards to your PF withdrawal, it's essential to carefully consider your options before making any decisions.

PF Withdrawal: Yes, you are eligible to withdraw up to 75% of your PF balance if you are unemployed for at least a month. However, withdrawing this amount means depleting your retirement savings, so it's crucial to evaluate the long-term implications.
Investment Options:
Mutual Funds: Mutual funds can offer potentially higher returns compared to traditional options like FDs. However, they also come with market risk, and past performance is not indicative of future results. Consider investing in a diversified portfolio of mutual funds across different asset classes and fund categories to mitigate risk.
FDs: FDs provide stable returns and capital protection but offer relatively lower returns compared to equity investments. They can be suitable for short to medium-term goals and for preserving capital.
Corporate Bonds: Corporate bonds can provide higher returns than FDs but carry credit risk associated with the issuer's ability to repay the debt. Investing in highly-rated corporate bonds or bond funds can offer a balance of risk and return.
Asset Allocation: Consider diversifying your investments across different asset classes to manage risk effectively. You may allocate a portion of your PF withdrawal to mutual funds for growth potential, while also keeping a portion in safer options like FDs or bonds for stability.
Financial Planning: Before making any investment decisions, I strongly recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can assess your financial situation, understand your goals and risk tolerance, and provide personalized recommendations aligned with your needs and objectives.
Emergency Fund: Ensure you have an adequate emergency fund to cover your living expenses for at least 6-12 months in case of unexpected financial setbacks.
Overall, prioritize prudence and long-term financial stability when deciding how to utilize your PF corpus. It's essential to strike a balance between risk and return based on your financial goals and circumstances.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello sir, All our corpos mostly 90% is in debt(in the form of FDR's, SSSC, LIC etc) and rest 10% in MF and ULIP. I am 32 years and my mother is 61 years. I am working professional in tier 2 city and mother is retired from government job. I am seeking a financial advice to balance out the investments in debt and want some exposure in equity by investing through MF's. We have a total of 3 cr in debt and approx 40 lacs in equity market. Please suggest us the suitable mix so that our corpus would also grow and expenses would also meet out. Our total expenses per month would be around 35 K. Please also suggest the names of mutual funds to start investing?? Regards, Bharat Manik
Ans: Hello Bharat,

It's commendable that you're seeking to balance your investments and diversify into equity through mutual funds. Here's a tailored recommendation for you and your mother:

Balancing Debt and Equity:

Emergency Fund: Ensure you have an emergency fund equivalent to at least 6-12 months of expenses kept in liquid instruments like savings accounts or short-term debt funds.
Debt Investments: Since you already have a substantial portion of your corpus in debt instruments, continue to maintain this allocation to ensure stability and regular income. Consider diversifying across different types of debt instruments for optimal risk management.
Equity Investments: Given your age and long-term investment horizon, it's prudent to gradually increase your exposure to equity through mutual funds. Start with allocating a portion of your investable surplus to equity funds.
Suitable Mutual Funds:

Diversified Equity Funds: Look for well-managed diversified equity funds with a proven track record of consistent performance. These funds offer exposure to a broad range of stocks across sectors and market capitalizations.
Balanced Advantage Funds: These funds dynamically manage the equity-debt allocation based on market conditions, making them suitable for investors seeking a balanced approach.
Large Cap Funds: Consider large-cap equity funds for stability and lower volatility. These funds invest in large, established companies with a track record of stable earnings.
Hybrid Funds: Opt for hybrid funds, which invest in both equity and debt instruments, offering a balanced approach to risk and return.
For personalized recommendations and to ensure your investment strategy aligns with your financial goals and risk tolerance, I recommend consulting with a Certified Financial Planner (CFP) or a qualified financial advisor. They can provide customized guidance based on your unique circumstances and help you navigate the complexities of financial planning.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 05, 2024Hindi
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Hi Sir/Madam I have invested in various equity funds of different AMCs. Can I get any app or some kind of reliable advisor who can track my investments and suggest switching from non performing funds to performing funds. My goal is just wealth multiplication and I am aware of market fluctuations. During Covid, remained invested in all my equity mutual funds. Kindly guide.... Thanks and Regards
Ans: For personalized advice and guidance on your mutual fund investments, I recommend consulting a Mutual Fund Distributor (MFD) who holds Certified Financial Planner (CFP) credentials. MFDs with CFP qualifications can provide comprehensive financial planning services tailored to your specific goals, risk tolerance, and investment preferences.

Here are some benefits of working with an MFD with CFP credentials:

Holistic Financial Planning: A CFP-certified MFD can help you create a comprehensive financial plan that aligns with your long-term goals, including wealth multiplication through mutual fund investments.
Personalized Advice: They can offer personalized investment advice based on your individual financial situation, risk profile, and investment objectives.
Portfolio Review and Optimization: An MFD with CFP credentials can regularly review your mutual fund portfolio, identify underperforming funds, and recommend suitable switches to potentially better-performing funds.
Risk Management: They can assess your risk tolerance and recommend an investment strategy that balances risk and return to help you achieve your financial goals.
Regular Monitoring and Rebalancing: CFP-certified MFDs can provide ongoing monitoring of your investments and rebalance your portfolio as needed to ensure it remains aligned with your objectives.
By working with an MFD who is also a Certified Financial Planner, you can benefit from personalized, professional advice and guidance to make informed decisions about your mutual fund investments and overall financial plan.

...Read more

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, I have the following Mutual Funds Investments, request you to let me know if these can be continued with or need to discontinue any of them, also please let me know new good performing funds to invest in. One time investment: (1) ICICI/ India Opportunities Fund - Growth - ?2,50,000, (2) ICICI/ Value Discovery Fund - Growth - ?2,50,000, (3) ICICI / Transporation & Logistics Fund - Growth - ?2,00,000. SIP Monthly: (4) Axis Flexi Cap Fund - Regular Plan - ?5,000, (5) Canara Robeco Emerging Equities - Regular Plan - ?5,000, (6) Aditya Birla SL Focused Equity Fund(G) - â‚15,000, (7) HDFC Mid-Cap Opportunities Fund(G) - ?5,000, (8) ICICI Pru Bluechip Fund(G) - ?5,000, (9) Axis Small Cap Fund - Regular Plan - ?5,000, (10) ICICI Prudential Technology Fund - Growth - ?5,000, (11) L&T Midcap Fund - HSBC Midcap Fund - ?5,000, (12) ICIPRU Multi-Asset Fund - Growth - ?5,000, (13) ICIPRU Value Discovery Fund - Growth - ?5,000. Thank You.
Ans: Based on your current Mutual Funds Investments, here are some recommendations:

Existing Investments:
ICICI India Opportunities Fund: Review the fund's performance and consider its alignment with your investment objectives. If it continues to meet your goals and performs well, you can consider keeping it.
ICICI Value Discovery Fund: Similar to the above, assess its performance and suitability. If it has delivered satisfactory results and fits your investment strategy, you may continue with it.
ICICI Transportation & Logistics Fund: Evaluate the fund's performance and prospects in the current market scenario. If you're confident in its future growth potential, you can maintain your investment.
New Fund Recommendations:
Consider diversifying your portfolio by adding funds from different categories such as large-cap, mid-cap, and flexi-cap.
Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy aligned with your risk profile.
Conduct thorough research or seek advice from a Certified Financial Planner or Mutual Fund Distributor to identify suitable options based on your financial goals and risk tolerance.
Review and Adjustments:
Regularly review the performance of your existing investments and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals.
Monitor the expense ratios, fund manager's track record, and the overall portfolio diversification to ensure optimal investment outcomes.
By carefully assessing your existing investments and making informed decisions about new fund allocations, you can build a well-balanced and diversified Mutual Funds portfolio that aligns with your long-term financial objectives.

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Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Dear Sir, I am 34 yrs old and planning to start my MF / other investment journey. I have been regularly investing in Fixed Deposits and have made a good corpus out of it. I am looking for an investment for a long-term goal. I can invest up to Rs. 35,000/- per month. The risk appetite for me would be medium.
Ans: Starting your investment journey with a long-term goal in mind is a prudent decision. Here's a recommended approach for you:

Begin by diversifying your investment portfolio across different asset classes to manage risk effectively. While Fixed Deposits offer stability, consider allocating a portion of your funds towards equity-based investments such as Mutual Funds for potential growth over the long term.
With a medium risk appetite, opt for a balanced mix of equity and debt mutual funds. Equity funds have the potential to deliver higher returns over time, while debt funds provide stability and income generation.
Start with Systematic Investment Plans (SIPs) in mutual funds, which allow you to invest a fixed amount regularly. Allocate a portion of your monthly investment budget towards SIPs in equity funds to capture market growth opportunities.
Additionally, consider diversifying into other investment avenues such as Public Provident Fund (PPF) or National Pension System (NPS) to further strengthen your retirement savings.
Regularly review your investment portfolio and make adjustments as needed based on changes in your financial goals, risk tolerance, and market conditions.
Consult with a Certified Financial Planner or Mutual Fund Distributor to tailor an investment strategy that aligns with your specific financial objectives and risk profile. This personalized approach will help you navigate the complexities of the investment landscape and achieve your long-term financial goals effectively.

...Read more

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Money
I am investing Rs 20 k pm in HDFC flexicap fund growth and wish to continue for next 10 years for wealth creation for retirement. Is that ok ?
Ans: Investing Rs 20,000 per month in HDFC Flexi Cap Fund Growth for the next 10 years for wealth creation towards retirement is a prudent decision. Flexi cap funds offer flexibility in asset allocation across market capitalizations, allowing the fund manager to capitalize on opportunities across different market segments.

However, before proceeding, consider the following:

Review Performance: Monitor the performance of HDFC Flexi Cap Fund regularly to ensure it aligns with your long-term investment objectives. Assess factors such as historical returns, consistency, and fund manager expertise.
Diversification: While HDFC Flexi Cap Fund provides exposure to a diversified portfolio of stocks, consider diversifying your investments across different asset classes and fund houses to spread risk effectively.
Risk Management: Evaluate your risk tolerance and ensure that the investment aligns with your risk profile. While equity investments offer higher growth potential, they also come with higher volatility. Ensure that you are comfortable with the associated risks.
Regular Review: Periodically review your investment strategy and make adjustments as necessary based on changes in your financial situation, market conditions, and investment goals.
Overall, investing in HDFC Flexi Cap Fund Growth for retirement wealth creation is a sound strategy, provided it aligns with your risk tolerance and long-term financial goals. Consider consulting with a Certified Financial Planner for personalized advice tailored to your specific needs and circumstances.

...Read more

Ramalingam

Ramalingam Kalirajan  |1368 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

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Hello Sir, my age is 28yrs and I am investing in Mutual funds for last 6 years now. As of now I have monthly SIP of 2k in PPFAS Flexi cap fund and 2.5k in Mirae Asset Large and Midcap fund. I want to invest more 12k-15k per month. I want to invest these for my retirement corpus and I am open to take risks in Smallcap, Midcap, Thematic funds, etc.. Kindly suggest good funds to invest in. Is it good to invest in schemes of Quant Fund house.
Ans: Since you're open to taking risks and have a long investment horizon for your retirement corpus, investing in small-cap, mid-cap, and thematic funds can potentially offer higher returns over the long term. Here are some suggestions for funds to consider:

Small-cap Funds: These funds invest in stocks of small-sized companies with high growth potential. Consider reputable funds with a consistent track record of performance in this category.
Mid-cap Funds: Mid-cap funds focus on stocks of medium-sized companies, offering a balance of growth potential and risk. Look for funds managed by experienced fund managers with a strong track record.
Thematic Funds: Thematic funds invest in sectors or themes expected to perform well over time. Choose themes aligned with your investment objectives and outlook for future growth.
Regarding Quant Fund House, while they may offer innovative investment strategies, it's essential to conduct thorough research on their fund offerings, track record, and investment approach. Ensure they align with your risk profile and long-term goals before investing.

Lastly, consider diversifying your investments across multiple funds and asset classes to spread risk and maximize potential returns. Regularly review your portfolio and make adjustments as needed to stay aligned with your investment objectives. Consulting with a Certified Financial Planner can provide personalized advice tailored to your specific financial situation and goals.

...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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