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Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 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 - May 04, 2024Hindi
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Relationship

My mother in law has been exploiting us by making us do all her chores work n behaves badly rudely n always sends hidden messages making herself a victim n making us feel guilt since few months my sister in law has asked her not to talk to us as she does not like us and my mom in law has stopped talking to us since more than a month whereas my sis in law does not live together n is bitter n jealous if us how do we initiate conversations with my mother in law we are worried about her but we are afraid if her temper n she constantly fights with us ?

Ans: Dear Anonymous,
Stay out of this drama!
Your sister-in-law is doing her best to provoke you through her mother; why are you getting provoked? The minute you give into this drama, you will become a part of it and then it gets difficult to come out of it...Be wise and let it play...
The more you display that all this does not affect you, sooner than later, things will settle either to a neutral place where no one bothers anyone OR it will be in your favor. Be patient...BUT the decision to stay out of this without crashing egos is the hard part...will you be willing to do that?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: https://www.facebook.com/anukrish07/ AND https://www.linkedin.com/in/anukrishna-joyofserving/

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 16, 2022

Relationship
Hope you are doing well.I am kinda mentally disturbed and badly need your suggestion. I have been in love and married for 13 yrs. I have a son and a daughter. I'm a working woman.I'm being constantly ill-treated by my mother-in-law. I know such issues exist in every household. But here, it has been a never-ending issue for 13 years now. She is very insecure, when it comes to household chores, my kids and my husband and feels all these areas should be in her control.She feels she is to be given utmost attention and only her thoughts and feelings to be respected and are always right. She insults me, mocks me, and doesn't treat me like a part of the family, though I’m selfless and continue to care for my in-laws and other family members. She keeps hurting me with her words, gestures and behaviour.To her, I'm like a constant pester and she doesn't feel satisfied with any chores or work at home or family. I'm a big mess. She often states 'I’m her` target` and will continue to hurt me verbally and with gestures.My husband doesn't raise questions on his mom's insane behaviour, as she threatens to harm herself.This is a routine she carries out, whenever she wants to. I have zero support from my husband to change his mom and or understand my feelings. Neither should I voice out my views or feelings. I have to look out for her moods and actions and act accordingly, any time.I have no self-respect, no dignity here. It doesn't feel like this is my house or my family, except for my kids. My kids are growing up and I feel I will lose respect amongst them, when she constantly taunts me and insults me for no reason.I have no parents or siblings to share my feelings. I open up with my close friends for a temporary vent out, otherwise, it really doesn't serve any purpose.I feel like I have to live eternally with this mental abuse, as I'm unable to put up with her behaviour and harassment. Acting as if I'm fine every day is killing me.This type of behaviour makes me feel very low and my self-esteem is affected. I feel worthless and my whole life feels like a sheer curse.Please help me get out of this situation and make my mother-in-law mend her behaviour towards me.Awaiting your response.
Ans:

Dear SS,

A story in many patriarchal households!

What can you do to change her and your husband’s attitude on this? Nothing at all.

It’s like a stubborn gene that wants to hold on to age-old beliefs where the mother-in-law rules the home and calls the shots, the son blindly supports his mother’s tantrums.

What can you do when your children also are growing up in this environment?

Here’s where you can put your foot down.

Your children have to learn to respect their mother for who she is. So, stop playing the victim in your situation and take charge.

I am sure the children are at an age where their minds are impressionable and can be beautifully shaped to accept different people in the household.

Instead of spending time cursing your situation, spend the same time being with your children, bonding with them.

Talk and spend a lot of time going out, watching TV, cooking, reading, listening to music and more.

What will start to happen is that the children will learn to hold space for you when you are down and out. And do take care that while you are bonding with them, never talk ill about their father or their grandmother.

This activity isn’t to distance one from the other but to give you a new way of thinking in the existing circumstances.

Having said this, if your husband is someday ready to talk to you about this, by all means be assertive.

Till then, it’s not necessary to suffer. Either you can fight and get fingers pointed back at you or you can negotiate a situation wisely to maintain the peace at home. You always have that choice.

Whatever you choose, never sit in silence and do nothing. That’s what your children will learn; to suffer in silence. So, time to make some subtle and meaningful changes?

Best wishes!

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Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 30, 2023

Asked by Anonymous - Oct 30, 2023Hindi
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Relationship
I have been married for one year. My mother in law has no respect in her talking towards me. She expects me to do all the household things and she doesn't want her daughter to do any kitchen works. Most of the time I feel like she made her son marry me just to do household things. I don't need any appreciation but I can't bear her disrespectful words. And her cunning character and lies. What can I do in such situations
Ans: Dealing with a challenging mother-in-law can be a delicate situation, but it's important to address these concerns to maintain a healthy relationship with your spouse and in-lawsStart by discussing your feelings with your spouse. Share your concerns about your mother-in-law's behavior and how it's affecting you. Ensure that you both are on the same page before addressing the issue with her. When you decide to talk to your mother-in-law, pick a calm and private setting. Avoid confrontations in the heat of the moment, and try to have a rational conversation. Clearly and calmly communicate how her words and actions make you feel. Use "I" statements to express your emotions without blaming her Make it clear what behavior is unacceptable and establish boundaries. Politely but firmly communicate what you are willing and unwilling to tolerate in terms of comments and expectations. If direct communication doesn't yield positive results, consider involving a neutral third party, a trusted family member, to mediate the conversation. Strengthen your relationship with your spouse and build a support system with friends and other family members. Having a strong network can provide emotional support during challenging times. Remember, it may take time to see changes, and it's essential to approach the situation with patience and understanding. Every family dynamic is unique, and finding the right balance may require ongoing effort and communication.

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 15, 2024

Asked by Anonymous - May 11, 2024Hindi
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Relationship
Hello, I am a working independant women staying with in laws. My mother in law is a narcissist. She used to boast about herself, her son, relatives anytime. I was fed up hearing all these...she wants to keep everything and everyone under her control. I used to tell my husband regarding his mom's behaviour.. He knew about his mom's behaviour from before. He supported me and told me to confront mom and tell her directly that i dont like her behaviour.. But i was afraid.. Because she will never acknowledge her mistake.. My husband and his mom had frequent fight regarding other reasons( like way she talks, controlling behavior) but she never changed her behavior.. One day my husband told her everything what i told him about her.. The way she has been treating me... She got super angry...said many bad words to me..We left the house and rented a apartment.. Still now she is angry.. Blaming me for everything.. For taking her son away.. Now what to do??
Ans: Dear Anonymous,
Will you accept it gracefully if someone comes to you and on your face says that he/she does not like your behavior?
The way to settle differences in relationships is not confrontation but with a lot of strategic patience and grace; both of which were not displayed while dealing with your mother-in-law. Okay, maybe she is a difficult person to be with, but how has it helped now by your husband playing your spokesperson? It has only made matters worse for you.
What is done cannot be undone...
Wait for her anger to settle down and then approach the matter with butter fingers. Ultimately, she's your husband's mother and hence will always be a part of your life...
Remember to work around constraints and not with them...when you skirt around, you will find many alternate ways of solving a problem and when you confront, you hit egos and then will act irrationally. Wait and when the time is right, be assertive in how you want the relationship to be. Kindly do not use your husband to sort your troubles; it will go downhill yet again...It's your relationship with your mother-in-law, work on it yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1745 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

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Relationship
Hi Anu, Im 27yrs old. I have been married for 1.5 yrs. Me and my husband live abroad. I grew up abroad for a great deal of my life and all members of my family are post graduate degree holders from renowned universities. Recently my mother-in-law came to visit us, she is staying for 6 months. My husband prior to marriage said that his mother is educated when I asked him. Post marriage I found out she studied only till 10th and married my father-in-law who is deceased. Since her arrival, my mother-in-law’s behaviour has been very weird. 1. She once told me that in their caste Kshatriyas ( we had an inter-caste marriage) its very common for the men to have 2 wives and mistresses. This was said totally out if context. Couple of days later she mentioned that her husband had a mistress. 2. She asks me questions about why things are the way they are and why are they like that. I find it very difficult to answer to her questions at the same time I don’t want to sound condescending. 3. She complained to my mother that my husband and I are using up too much ghee and oil. She blames that I made her son fat. My husband likes to have everything deep fried when I don’t do as he asks he throws a fit like a child and refuses to eat. Now I realised why, she deep fries almost everything, bhindi, potato, gobi, arvi, and even brinjal. 4. She also mentions that some relative of their was going to give then 2kg gold dowry to marry her son. I asked her why didn’t she accept it then. They she covered up saying that our engagement was already done by then. Again recently, she was talking to her sister on the phone and was saying that a girl is really beautiful and she was considering her for my husband but he liked me. All while I was literally in front of her. 5. She tries to take over the kitchen, she wants to wash dishes by hand and there is food residue all over. She doesn't want me to use the dishwasher. When I pointedly out that there is residue all dried up on the mixer blade, she covered it up saying that its powder. 6. I asked her not to put oil or ghee on the roti pan when making rotis as its ruining the pan and to ghee after the roti is cooked. She still went ahead and melted butter and poured it on the pan and made rotis. She said that they are not puffing up without the oil. I tried it out myself and I discovered that she lied. Dishonesty is my biggest peeve. I have no respect for her now. I don’t understand why she behaves the way she does. She also expects me to listen to all her stories and express interest in her superstitions. She on the other hand shows total disregard to what I say. My parents want me to be nice to her as she is a widow and has only her son and daughter. She is not nice to her daughter. My sister in law does not want to live with her in laws and my mother-in-laws laughs when she calls her crying. I have witnessed her gas lighting her daughter on many occasions. Once my husband asked her is the sister can come stay at home with her back in India and my mother-in-law said that she does not want her daughter in the house because she is a burden. My mother in law also keeps telling me that I should press her son’s legs as it will give Lakshmi. Once he took food from my plate I told him to put it back and get his own, she said its a Maha paap to snatch from husband’s mouth. She uses this Mahapaap whenever I ask my husband to help around the house. I don’t know how to communicate this with my husband and how to deal with her. He believes he needs to provide everything his mom wants and give her the world because she went thru difficulties after their dad’s passing. However my mother in law believes her life got better after her husband’s passing. She says that her husband was abusive to her physically, emotionally and financially. What do I do?
Ans: Dear DD,
Some space is necessary to be away from people who display less empathy. It keeps the relationship healthier.
You will usually find me guiding people towards one another first BUT at times maintaining a healthy distance can save relationships. Your mother-in-law can become the cause for stress within your marriage as you will have no one to take your complaints to other than your husband. He is obviously not going to take it that easily...
Also the fact that your mother-in-law herself hasn't held a steady marriage is going to be a constant source of more stresses as she is very likely to expect special treatment from her son and you.
She needs to work on her mind and that's too much to expect of her. It's wise to keep some distance and over time, she may wish to re-build relationships with everyone and live in harmony.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |10851 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

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