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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 09, 2024

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
Sujeet Question by Sujeet on Dec 01, 2023Hindi
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Hi, we are married for 19 years and have two kids.My wife is ill tempered, very rude and aggressive. Even if I tell her not to get angry and change her attitude, she argues by asking am I so bad? is it my fault always and never ever agrees that she is wrong. Counselling, Communicating and nothing will change her behaviour. Off Iate I understood that she is having an affair with my friend (which is safe because often he comes to our home and he is very close with all of us). If I ask her about this she will never ever accept, rather would retaliate by asking, have I gone insane? She will tear me apart by her aggressive behaviour. She is faking her love towards me and talks all sweet things whenever she requires me or my services as a husband. I am not interested in any counselling or any other such services. She will not budge or accept, thats guaranteed. Please, guide me and kindly dont bring kids angle in this, that will not help me. Shall I divorce (I am sure, it will be initial drama and later on it will not make any difference to her, she is independent and is a professional beautician. I am ready to gift her the plot which is in my name, she will be more than happy). what to do with this kind of aggressive and non accepting behaviour?

Ans: First of all, you have already decided that nothing will work without giving it a try. If marriage counselling didn’t work, people wouldn’t opt for it. But you’ve already said no. Second, you’re assuming an affair — till you have definitive proof, I wouldn’t go so far as to insist there is one. And third, you have already said in so many words that you want a divorce. So what exactly do you want to hear from me? It sounds to me like you’re as stubborn as your wife!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

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Dear Love Guru, My wife and I are in an arranged marriage since around 15 years and there is nothing that we celebrate about our relationship, except kids which are the only reason for our existing relations. I am working abroad and have visits for a month on vacation after every couple of months. After marriage, I noticed my wife’s flirting behaviour with strange men (to seduce) during many occasions but initially ignored it. However, I found it frustrating when I felt her to be habitual flirter. I then spoke to her, which was after around 2.5 years of our marriage, and she denied the matter. Soon noticing such perpetual habits about her, we went on for non-talking terms some time and then a storm broke out in our house. My parents and her parents supported her, since I couldn’t prove any of her behaviour. She has been lying since her behaviour was noticed and even after that, but my love for her and my child (at that time) made me feel that probably that I need to avoid any suspicious behaviour. Such storm was repeated even recently few years earlier. I had thought my idea of a second child would improve our relations, but it hasn’t helped. I could still notice her flirting behaviour with strangers and even with known personnel including my relatives. I even believe her to be in relationship with one of my cousins, based on my observations of their behaviour during our every meet, which I cannot speak of due to my previous experience and which will otherwise definitely terminate our relations. Actually, we are never on good terms these days whenever I visit home and mostly converse only if required. We are also not good in bed and I have also been feeling a low erectile in bed these days. These moments have affected me psychologically and I feel very negative about our relationship. My family remains my priority and I have been trying to see that we all are all happy as a family. I have even sacrificed my own family time for better earnings so that my family can get all the best in life. She takes good care of the children and manages the house nicely. I also ensure that we, as a family, go out on long journeys for travel and my children are everything for me. I have trying to cope up with all this by focusing on work and socialising with friends to the best extent possible. However, her behaviour (in spite of my presence) makes me feel negative. How can I deal with the matter since any re-attempt on my part to speak on the same matter, even if cordially, with my wife will create another storm like earlier? I wish to sort out the differences and need your advice. Should we meet a counsellor separately on this to sort out the matter? Keep me anonymous and respect my privacy.
Ans:

You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

And instead of addressing the issues, you decided to go ahead and have a second child?

Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

From everything you’ve told me, you seem to come across as an insecure husband.

I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

I do think marital counselling is in order. And yes, maybe separately at first and then together.

Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

 

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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Relationship
HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

..Read more

Anu

Anu Krishna  |839 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 29, 2023

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Hi Anu. I married intercaste in a hurry going against my family. My wife seems loves me a lot but she is also a screamer and likes to create a scene when we fight. She knows it is my weak point and continues to push it with the yelling till the neighbours come to our doorstep. When the fighting got really bad I slapped her a couple of times and now I am the bad guy. Sex life is ok if we are not fighting. But fights get really ugly. After a point I lost all the love and am going through the motions for the sake of my kids. Lately my son also started answering back to her when she screams at him. Do you suggest I go for separation? She says no to therapy as she does not think anything is wrong with her. Infact she thinks I need counselling.
Ans: Dear Ravi,
Sometimes screaming could be a means to get attention. if you notice a toddler, he/she will cry and scream, throw toys around to gain the parents' attention. So, it could just be a way for express her emotions.

Even as adults, at times we are stuck around like we were when we were children and use similar means of communication. She could be doing the same. So, when she is in a calm space, that is the time to speak with her and clearly impressing upon her how her actions have begun to impact the child. If he is modeling her behaviour, she needs to take stock of what's happening with her.
So, you maybe right that she can see an expert; but what I would suggest is: When she is calm, rather than point out her behaviour which she may feel accused for, handle it with gentle patience. Ask her: how she is feeling and what makes her upset over something?
Work on the issue together rather than asking her to deal with it. This approach will make her feel like she is the problem and she will try and defend herself and refuse all help. It maybe difficult given what you are facing, but hey, it's love for the other person that you are willing to do what it takes, right?
In a marriage, the two of you are always on the same side, yeah? So unite to conquer...

All the best!

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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 09, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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Hi, I am married from last 15 year, having a daughter , my realtion with my wife is very bad, she is like this since start of marriage, our is arrange marriage. She didn't want any kind of responsibility, she always want to go out and if possible do shopping, if I asked not to over spend she thinks not sure what and create scene. She fight with everyone even in office or with her parents, she blames other for all this, never ever think she can be wrong, she is having a feeling if you correct her , she not going to like it, she will say no need to teach me , I know. She even not hving very good relationship with my daughter, she is in class 10th and staying in baording. I am hving 2 flat just like jodi flat adjacant to each other, i am staying in one and she is in another , she hardly let me hv sex, but she talks or chat with stranger whole night, i try to question her but she started fighting, she didn't listen and do what ever she want, if u question she will fight, i really don't know how to handle this situation, I am feeling trapped and she is accusing me for all the mess. We had fight lots of time , we abused each other during fight a lot , but the problem still persist nothing changed in 15 years recently after fight i stop talking with her . Not sure how I should move forward , i talked with my daughter and she also suggesting me leave her for some time she will realize , should i go for divorce or how to move forward.
Ans: I'm sorry to hear that you're going through a difficult time in your marriage.
It's important to remember that ultimately, the decision to stay in or leave a relationship is up to the individual. Here are some things you can do to help you move forward:

1. Seek professional help: Consider seeing a therapist or counselor who can help you work through your feelings and provide guidance on how to move forward.

2. Take care of yourself: Make sure you're taking care of your own physical and emotional needs. This can include getting enough sleep, eating a healthy diet, and engaging in activities that you enjoy.

3. Set boundaries: If your wife's behavior is causing you distress, it's important to set boundaries. This can include setting limits on spending, or establishing rules around communication.

4. Consider couples therapy: If you're both willing, couples therapy can be a helpful way to work through issues in your marriage and improve communication.

5. Think about your options: If you're considering divorce, it's important to think carefully about your options. Consider speaking with a lawyer who can provide guidance on the legal aspects of divorce.

Remember, every situation is unique, and there's no one-size-fits-all solution. Take the time to consider your options and make the decision that's best for you and your family.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - May 07, 2024Hindi
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I am 27, doing small cap SIP of Rs. 9000, Midcap SIP of Rs. 4000 and large cap SIP of Rs. 7000 per month, in how many years and how much corpus should I have so that I can earn 50,000 pm from SWP for rest.
Ans: o determine the corpus needed to generate 50,000 rupees per month through a Systematic Withdrawal Plan (SWP), we need to consider several factors, including the expected rate of return, inflation, and the withdrawal rate.

1. Expected Rate of Return: When investing in mutual funds, it's crucial to consider the potential rate of return on your investments. While historical data suggests that equity mutual funds have delivered average annual returns ranging from 10% to 15% over the long term, it's essential to acknowledge that past performance is not indicative of future results. Your expected rate of return may vary based on factors such as market conditions, fund performance, and asset allocation.
2. Inflation Rate: Inflation plays a significant role in eroding the purchasing power of money over time. Considering the average inflation rate in India, which has been around 5% to 6% per year over the past decade, is crucial when planning for future expenses. By accounting for inflation, you can ensure that your investment returns outpace the rising cost of living and maintain your standard of living over time.
3. Withdrawal Rate: The withdrawal rate represents the percentage of your investment corpus that you plan to withdraw annually to meet your income needs. In your case, aiming for a monthly income of 50,000 rupees through SWP translates to an annual withdrawal of 6,00,000 rupees. It's essential to carefully consider your withdrawal rate to ensure that your investment corpus can sustain your desired income level over the long term without depleting your savings prematurely.
Considering these factors, it's advisable to work with a Certified Financial Planner (CFP) or financial advisor to create a comprehensive financial plan tailored to your specific goals, risk tolerance, and investment horizon. A professional can help you determine an appropriate asset allocation strategy, select suitable mutual funds, and regularly monitor your portfolio to ensure that you stay on track towards achieving your financial objectives.
Additionally, maintaining a diversified portfolio across asset classes and regularly reviewing your investment strategy can help mitigate risk and enhance the likelihood of achieving your target income through SWP in the future. Remember that investing is a journey, and it's essential to stay informed, disciplined, and patient throughout the process.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Hi sir, i want to start sip.. This will be my ist investment so what would your suggestion like on which categories should i invest or what should be my breakup.. I want to invest 5000 now then after few months 10k and around 2 year from now 22k...my target amount is 25 lacs within 5 yrs
Ans: Starting SIPs for your first investment is a great step towards building wealth over time. Since you have a target amount of 25 lakhs within a 5-year timeframe, it's essential to choose investment options that offer the potential for growth while managing risk. Here's a suggested approach for your SIP investment:
1. Diversified Equity Funds: Since your investment horizon is relatively short (5 years), it's crucial to focus on funds that offer growth potential while minimizing risk. Consider allocating a significant portion of your SIP towards diversified equity funds, which invest in a mix of large-cap, mid-cap, and small-cap stocks. These funds offer diversification across market segments and can potentially deliver higher returns over the long term. Aim to allocate around 60-70% of your SIP towards diversified equity funds.
2. Large Cap Funds: Large-cap funds invest in stocks of large, well-established companies with stable earnings and strong market presence. These funds offer stability and are relatively less volatile compared to mid-cap and small-cap funds. Consider allocating around 20-30% of your SIP towards large-cap funds to provide stability to your portfolio.
3. Mid Cap and Small Cap Funds (Optional): Mid-cap and small-cap funds have the potential to deliver higher returns but come with higher volatility. Given your relatively short investment horizon, consider allocating a smaller portion of your SIP (around 10-20%) towards mid-cap and small-cap funds, if you're comfortable with the higher risk associated with these segments.
4. Systematic Investment Plan (SIP) vs. Lump Sum: Since you're just starting, opting for SIPs can be a prudent approach, as they allow you to invest regularly over time and benefit from rupee cost averaging. As your investment horizon is relatively short, avoid making lump sum investments, as they may expose you to timing risk, especially considering market fluctuations.
5. Regular Review and Adjustment: Regularly review your investment portfolio and make adjustments as needed to ensure it remains aligned with your financial goals and risk tolerance. As your investment horizon progresses and your financial situation changes, consider consulting with a Certified Financial Planner (CFP) or financial advisor to reassess your investment strategy and make any necessary adjustments.
By following this approach and staying committed to your investment plan, you'll be well-positioned to achieve your target amount of 25 lakhs within a 5-year timeframe. Remember to stay disciplined, focus on the long term, and avoid making impulsive decisions based on short-term market fluctuations.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 14, 2024Hindi
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Hi everyone, I have just started investing in mutual funds, I'm 21 years old currently studying And recently I came to know of mutual fund and share market hence I asked my family to invest all the money in Their savings account should be invested in mutual funds as they give all lot more return on investment than savings account. And hence I have invested near about 2,00,000 rupees which is about 20% of my whole families non EMERGENCY savings. I have invested inInvesco India mid cap fund direct plan( Rs. 35000), axis small cap fund direct growth (35000) , sbi small cap fund(18000), parag Parekh flexi cap direct growth (16000), Quant small cap direct fund (10000), Motilal Oswal midcap fund Direct plan (15000), Quant ELSS Tax saver direct plan (10000), kotak small cap Direct plan (5000) , Kotak emerging equity direct plan (5000), Quant flexi cap direct plan (20000), Quant infrastructure fund direct plan (5000), Quant mid cap fund (5000), Nippon India Growth fund (5000), [ All of them are one time payments bought in March 2024 and nifty is at all time high at 22800], and currently I have gained all total profit of 7,000 from investment of 2,00,000 Sirs, my first question is, i fear that if Markets go down will my mutual fund value will also go down, And if I should continue investing any further in mutual funds for a PERIOD OF TIME and wait for markets to go down to invest further. Or should I continue investing. And my second question is that, is ONE TIME INVESTMENT better or SIP, AND FOR FURTHER INVESTMENT should I continue with my one time INVESTMENT of 50,000 to 60,000 for the remaining 80% OF the savings in the next 2-3 months or should I go for SIP and spread this for over a span of 1-2. Years
Ans: It's great to see your enthusiasm for investing in mutual funds at a young age! Let's address your concerns and questions:

Market Volatility: It's natural to be concerned about market fluctuations, especially when you're new to investing. Yes, mutual fund values can indeed fluctuate with market movements. However, it's essential to remember that investing in mutual funds is a long-term endeavor. Market downturns are a normal part of the investing cycle, and they often present buying opportunities for long-term investors. Trying to time the market by waiting for a downturn to invest further can be challenging and may not always yield the desired results. Instead, focus on staying invested for the long term and maintaining a diversified portfolio that aligns with your financial goals and risk tolerance.
One-Time Investment vs. SIP: Both one-time investments and SIPs have their advantages. One-time investments offer the benefit of investing a lump sum amount upfront, which can potentially lead to higher returns over the long term, especially during bull markets. On the other hand, SIPs allow you to invest regularly over time, which can help in rupee cost averaging and reduce the impact of market volatility. Since you're just starting, you may consider continuing with your one-time investments for now and gradually explore SIPs as you gain more experience and confidence in investing.
Future Investment Strategy: Whether you choose to continue with one-time investments or switch to SIPs for your future investments depends on your preferences, financial goals, and cash flow considerations. Since you've already made one-time investments, you may continue with this approach if it aligns with your investment strategy. Alternatively, if you prefer a more systematic and disciplined approach, you can start SIPs for your future investments. Consider spreading your investments over time to take advantage of rupee cost averaging and reduce the impact of market volatility.
Remember, investing is a journey, and it's essential to stay patient, disciplined, and focused on your long-term goals. Consider seeking advice from a Certified Financial Planner (CFP) or financial advisor who can provide personalized guidance based on your individual circumstances and help you navigate the complexities of the financial markets. Keep learning and stay committed to your investment plan, and you'll be well-positioned to achieve your financial aspirations over time.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Sir ! My colleague s are investing only in 3 funds like one Nippon index, Mahindra manulife mid cap & ICICI nasaq. Is this correct or not ? Plse share ur suggestion.
Ans: Investing in a simplified portfolio of three mutual funds can be an effective strategy for some investors, as it offers simplicity and ease of management. Let's evaluate the investment choices of your colleagues and provide some suggestions:
1. Nippon Index Fund: Index funds passively track a specific market index, such as the Nifty 50 or Sensex, and aim to replicate its performance. Investing in an index fund provides broad market exposure at a lower cost compared to actively managed funds. Nippon Index Fund could be a suitable choice for investors seeking diversified equity exposure with minimal management fees.
2. Mid Cap Fund (Mahindra Manulife Mid Cap): Mid-cap funds invest in stocks of mid-sized companies with the potential for growth. These funds offer higher growth potential compared to large-cap funds but come with higher volatility. Mahindra Manulife Mid Cap Fund focuses on mid-cap stocks and can be suitable for investors with a higher risk tolerance and a long-term investment horizon.
3. ICICI Nasdaq Fund: ICICI Nasdaq Fund invests in stocks listed on the Nasdaq Stock Market, providing exposure to leading technology and innovation-driven companies globally. Investing in a Nasdaq fund offers diversification and potential for growth, especially in sectors such as technology, healthcare, and consumer discretionary. This fund can complement a diversified equity portfolio and provide exposure to international markets.
Overall, your colleagues' investment choices seem to cover different market segments, including Indian equity (through the Nippon Index Fund and Mahindra Manulife Mid Cap Fund) and international equity (through the ICICI Nasdaq Fund). However, it's essential to consider factors such as investment goals, risk tolerance, and investment horizon when selecting mutual funds.
Here are a few suggestions to consider:
1. Diversification: While investing in three funds provides simplicity, consider diversifying across asset classes (such as equity, debt, and international equities) to spread risk and capture opportunities in different market environments.
2. Risk Management: Assess your risk tolerance and ensure that the chosen funds align with your risk profile. Mid-cap funds and international equity funds can be more volatile than large-cap or index funds, so consider your risk tolerance before investing.
3. Regular Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. Consider consulting with a Certified Financial Planner (CFP) or financial advisor for personalized guidance based on your specific financial situation and goals.
Ultimately, the appropriateness of the chosen funds depends on your colleagues' individual financial circumstances and investment objectives. Encourage them to assess their investment choices in the context of their financial goals and seek professional advice if needed.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 13, 2024Hindi
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I am 41 years old and I am Investing 18000 in 9 mutual funds in SIP mode. Out of 9 sip two are ELSS tax saver, 1 hybrid, 3 large and midcap, 2 largecap, 1 Hybrid and 1 small cap. I am investing for my child's education. Please suggest is it ok to continue or I have to switch to other funds.
Ans: Investing in mutual funds through SIP mode for your child's education is a prudent step towards securing their future. Let's assess your current investment strategy and provide some guidance:
1. Diversification: Investing in 9 mutual funds across different categories reflects a diversified approach, which can help spread risk and capture opportunities across various market segments. It's commendable that you have exposure to different types of funds, including ELSS tax saver, hybrid, large & midcap, largecap, and small cap funds.
2. ELSS Tax Saver Funds: ELSS funds offer the dual benefit of tax-saving under Section 80C of the Income Tax Act and potential capital appreciation. Since these funds have a lock-in period of 3 years, ensure that you're comfortable with the lock-in period and the risk-return profile of the funds.
3. Hybrid Funds: Hybrid funds invest in a mix of equity and debt instruments, providing a balanced approach to growth and stability. These funds can be suitable for investors with a moderate risk tolerance and a long-term investment horizon. Review the asset allocation and performance of the hybrid fund to ensure it aligns with your investment objectives.
4. Large & Midcap, Largecap, and Small Cap Funds: These funds provide exposure to different market segments, offering diversification and potential for growth. It's essential to monitor the performance of these funds regularly and assess whether they continue to meet your investment goals and risk tolerance.
5. Review and Rebalance: Periodically review your investment portfolio and rebalance if necessary to ensure it remains aligned with your financial goals and risk tolerance. Consider factors such as changes in market conditions, fund performance, and your investment horizon when making adjustments to your portfolio.
6. Professional Guidance: Consider consulting with a Certified Financial Planner (CFP) or financial advisor to review your investment strategy and provide personalized guidance based on your financial situation and goals. A professional can help you optimize your investment portfolio and make informed decisions to achieve your child's education goals.
Overall, continuing with your current investment strategy of investing in mutual funds through SIP mode for your child's education appears to be a prudent approach. However, it's essential to periodically review your portfolio and make adjustments as needed to ensure you're on track to achieve your investment objectives.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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Hi myself Rajib and I am 40 yrs old. I want to secure my daughter education and marriage. I want to quote nvest in Mutual Fund. Please suggest which plan is better for me for 10 yrs proposal
Ans: Hello Rajib! It's commendable that you're planning ahead to secure your daughter's education and marriage. Investing in mutual funds can be an effective way to grow your savings over the long term. Considering your investment horizon of 10 years and the financial goals you've mentioned, here are some mutual fund options you may consider:
1. Equity Mutual Funds: Equity mutual funds have the potential to deliver higher returns over the long term compared to other asset classes. Given your investment horizon of 10 years, you may consider investing in a mix of large-cap, mid-cap, and multi-cap equity funds. These funds invest in stocks of companies across different market capitalizations, providing diversification and growth potential.
2. Balanced Advantage Funds: Balanced advantage funds, also known as dynamic asset allocation funds, dynamically manage their equity and debt allocations based on market conditions. These funds aim to provide steady returns with lower volatility compared to pure equity funds. Investing in a balanced advantage fund can offer a balanced approach to growth while managing risk.
3. Index Funds: Index funds passively track a market index such as the Nifty 50 or Sensex. They offer lower expense ratios compared to actively managed funds and can be suitable for investors seeking broad market exposure. Investing in index funds can provide diversification and potentially lower volatility over the long term.
4. Target Date Funds: Target date funds are designed to align with a specific financial goal, such as education or marriage, and automatically adjust the asset allocation over time to become more conservative as the target date approaches. These funds can simplify the investment process and provide a hands-off approach to portfolio management.
When selecting mutual funds for your investment, consider factors such as your risk tolerance, investment goals, and time horizon. It's essential to diversify your investments across multiple funds to spread risk and maximize returns over the long term.
Before making any investment decisions, I recommend consulting with a Certified Financial Planner (CFP) or financial advisor. A professional can assess your specific financial situation, goals, and risk profile and help you create a customized investment plan tailored to your needs. Regularly review your investment portfolio and make adjustments as needed to stay on track towards achieving your daughter's education and marriage goals.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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I am 27 year old and doing sip for long term, I have sip of total rs 1000 in axis small cap fund (350) , axis nifty midcap 50 (250) , hdfc large and mid cap fund (200) , hdfc flexi cap fund (200). Is my selection of fund and allocation good?
Ans: It's great to see that you're investing in SIPs at a young age for the long term. Your selection of funds and allocation reflects a diversified approach, which is essential for long-term wealth accumulation. Let's evaluate your fund selection and allocation:
1. Axis Small Cap Fund: Small-cap funds have the potential for high growth but also come with higher risk due to the volatility of small-cap stocks. Investing in a small-cap fund like Axis Small Cap Fund can add diversification to your portfolio and provide exposure to promising small-cap companies. However, it's important to be prepared for potential fluctuations in returns.
2. Axis Nifty Midcap 50 Fund: Mid-cap funds like Axis Nifty Midcap 50 Fund invest in mid-sized companies with the potential for growth. Mid-cap stocks can offer attractive returns over the long term but may also be more volatile than large-cap stocks. Your allocation to this fund adds diversification and the potential for higher returns to your portfolio.
3. HDFC Large and Mid Cap Fund: Large & Mid Cap funds invest in a mix of large-cap and mid-cap stocks, offering a balance between stability and growth potential. HDFC Large and Mid Cap Fund is managed by a reputable fund house and can provide exposure to quality companies across market segments. It's a suitable choice for investors seeking diversification and moderate risk.
4. HDFC Flexi Cap Fund: Flexi-cap funds offer flexibility to invest across market capitalizations based on market conditions. HDFC Flexi Cap Fund allows the fund manager to adjust the portfolio composition dynamically, which can potentially enhance returns over the long term. Your allocation to this fund provides additional diversification and flexibility to your portfolio.
Overall, your selection of funds and allocation reflects a well-diversified approach, with exposure to small-cap, mid-cap, and large-cap segments of the market. It's important to stay committed to your investment plan, continue investing regularly, and review your portfolio periodically to ensure it remains aligned with your financial goals and risk tolerance.
As your financial situation evolves and your investment horizon changes, consider revisiting your asset allocation and making adjustments as needed. Additionally, consult with a Certified Financial Planner (CFP) or financial advisor to receive personalized guidance and ensure your investment strategy remains on track to achieve your long-term objectives.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

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I am 39 years old. My daughters are 13 years and 10 years old. I want to invest for their educational needs. In which SIP I should invest.
Ans: Investing for your daughters' educational needs is a thoughtful and proactive approach to secure their future. When selecting SIPs for this purpose, consider investment options that offer the potential for growth over the long term while aligning with your risk tolerance and investment horizon. Here are some SIP options you may consider:
1. Diversified Equity Funds: These funds invest in a diversified portfolio of stocks across various sectors and market capitalizations. They offer the potential for capital appreciation over the long term and are suitable for investors with a higher risk tolerance. Look for funds with a consistent track record of performance and experienced fund managers.
2. Balanced Funds: Balanced funds, also known as hybrid funds, invest in a mix of equities and fixed income securities. They aim to provide capital appreciation along with downside protection through exposure to debt instruments. Balanced funds can be suitable for investors seeking a balanced approach to risk and return.
3. Children's Education Funds: Some mutual fund houses offer specific funds designed for children's education planning. These funds typically have a long-term investment horizon and invest in a mix of equity and debt instruments to generate returns while managing risk. Consider exploring these options for dedicated education planning.
4. Index Funds: Index funds passively track a market index, such as the Nifty 50 or Sensex, and aim to replicate its performance. They offer lower expense ratios compared to actively managed funds and can be suitable for investors seeking broad market exposure at a lower cost.
5. Target Date Funds: Target date funds are designed to align with a specific retirement or education goal and automatically adjust the asset allocation over time to become more conservative as the target date approaches. These funds can simplify the investment process and provide a hands-off approach to portfolio management.
Before investing in SIPs for your daughters' educational needs, assess your investment goals, risk tolerance, and investment horizon. Consider diversifying your investments across multiple SIPs to spread risk and maximize returns over the long term. Additionally, consult with a Certified Financial Planner (CFP) or financial advisor to create a customized investment plan tailored to your daughters' future educational goals. Regularly review your investment portfolio and make adjustments as needed to stay on track towards achieving your objectives.

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 13, 2024Hindi
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I am blessed with baby boy on the month on January, I m thinking to invest some amount upto 10k every month for the future of the child. What would be best option for me ? I don't want to touch this amount upto 15 to 20 years. Is mutual fund is best option ? How about opening a bank account for infant.
Ans: Congratulations on the arrival of your baby boy! It's wonderful that you're thinking ahead and planning for his future financial well-being. Investing for your child's future is a great idea, and both mutual funds and bank accounts can be suitable options depending on your preferences and financial goals.
Mutual Funds:
• Investing in mutual funds can potentially offer higher returns compared to traditional savings accounts over the long term.
• Since you don't plan to touch the invested amount for 15 to 20 years, mutual funds can provide the opportunity for capital appreciation through equity or balanced funds.
• Consider investing in diversified equity mutual funds or index funds, which historically have provided higher returns over the long term. You can start a systematic investment plan (SIP) with a monthly investment of up to 10k rupees.
Bank Account for Infant:
• Opening a bank account for your infant can provide a safe and secure way to accumulate savings gradually.
• Consider opening a savings account or a recurring deposit (RD) account in the child's name. Some banks offer special accounts for minors with attractive interest rates and features.
• While bank accounts offer safety and liquidity, the returns may be lower compared to mutual funds, especially over a long investment horizon.
Ultimately, the best option depends on your risk tolerance, investment horizon, and financial goals. You may also consider a combination of both mutual funds and a bank account to diversify your child's savings and maximize returns while ensuring liquidity and safety.
Before making any investment decisions, it's essential to consult with a Certified Financial Planner (CFP) or financial advisor who can assess your specific situation and help you create a customized investment plan tailored to your child's future needs. Remember to stay committed to your investment plan and review it periodically to ensure it remains aligned with your goals. Wishing you and your family all the best for the future!

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Ramalingam

Ramalingam Kalirajan  |1594 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Hello sir, I am 34 years of age and have started my sip of 10000/month ( 3500/- in SBI large and midcap direct growth fund, 3500/- in SBI contra fund, and 3000/- in SBI small cap fund) with a top up of 1000 rupees every year in each fund, want to invest till I am 65. Can I create a fund enough for 10 cr.
Ans: Starting SIPs at 34 and aiming to accumulate 10 crores by the age of 65 is an ambitious goal that requires consistent saving, disciplined investing, and potentially higher contributions over time. Let's assess the feasibility of achieving this target:

Current SIP Contributions: Your current SIP contributions of 10,000 rupees per month are a good start. By investing in a combination of SBI Large & Midcap, SBI Contra, and SBI Small Cap funds, you're diversifying across different market segments, which is beneficial for long-term wealth accumulation.
Top-Up Contributions: Incrementally increasing your SIP contributions by 1000 rupees per year in each fund demonstrates a proactive approach to growing your investments over time. This strategy can help boost your savings rate and accelerate wealth accumulation, especially as your income potentially increases over the years.
Investment Horizon: With a investment horizon of 31 years (from age 34 to 65), you have a significant time frame to benefit from the power of compounding. By consistently investing over the long term, you can potentially generate substantial wealth through the growth of your investments.
Expected Returns: While past performance is not indicative of future results, historically, equity mutual funds have delivered higher returns compared to other asset classes over the long term. However, it's essential to be mindful of market volatility and fluctuations, especially when investing in mid-cap and small-cap funds, which can be more volatile.
Assessing Target Corpus: To determine whether accumulating 10 crores by age 65 is achievable, you'll need to estimate the expected rate of return on your investments. Depending on the assumed rate of return and the SIP contributions, you can use online SIP calculators or consult with a financial advisor to assess the feasibility of reaching your target corpus.
Adjusting Contributions: If achieving a 10 crore corpus seems challenging based on your current SIP contributions and expected returns, consider increasing your monthly contributions or exploring additional investment avenues to bridge the gap. Regularly review your financial plan and make adjustments as needed to stay on track towards your goals.
Remember, while having ambitious financial goals is commendable, it's essential to strike a balance between achieving your aspirations and maintaining a comfortable lifestyle along the way. Keep investing consistently, stay informed about market developments, and seek professional guidance if needed to optimize your investment strategy and increase the likelihood of achieving your long-term financial objectives.

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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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