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Anu

Anu Krishna  |830 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2023

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
rani Question by rani on May 22, 2023Hindi
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Relationship

MAM PTA NHI KYU MERA INTREST KHTM HO GYA REALTIONSHIP MEIN

Ans: Dear Rani,
Aapne yeh nahin bataaya ki aisa kyon hua hai. Kya koi break-up hua hai?
Agar nahin, toh accha hai na; khud pe dhyaan dena ka waqt mila hai aapko. Toh wohi karna.
Joh cheezein waqt ki kami ke kaaran choot gaya ho, uspe phir se dhayaan dijiye. Jaise ki GYM jaana, ya painting karna ya gardening ka shauk hai toh woh karna.
Isse aapka motivation banai rahega aur saath hi saath fizool ke cheezon mein dhyaan kam hota jaayega. Jab hum khud ke liye kuch karte hain, toh apne aap zindagi khus-haal hoti hai...

Aur phir kuch waqt ke baad, aapko koi accha bhi lagne lage, toh yeh confidence joh aapne khud mein bhar di hai itna kuch apne liye karne ke baad, isse aap sahi faislaa bhi le sakte ho: ki kya yeh relationship mein, mein khush reh sakti hoon ya nahin?

Isiliye yeh joh khaalipan ab hai, isko acche soch aur acche cheezon mein lagaiye...aapka hi bhalaa hoga.

All the best to you!

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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked by Anonymous - Feb 05, 2024Hindi
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Relationship
Sir mai ek ladka hu. mai kisi ladki se 10 year tak relationship mai raha hu with physical attachment. But she left me alone kareeban 2 saal ho giya na woh call karte hai na kuch.. maine kafi bar Milne ke koshish ke but woh nhi milte hai mujha. Meri attachment kisi doosre ladki se hovi but mai us se happy nhi hu mai 28 years old hu job pe be focus nhi kar paa Raha hu idhar Ghar Wale b kehte hai k shadi karlo. Ghar Mai b problems hoti hai ku k mummy akeli sab kaam karte hai aur koie haath batane wala nhi hai us ka. Sir mai karu to kay karu mujha kuch samij nhi aata hai
Ans: Bhai, tumhari situation bahut mushkil hai. 10 saal tak relationship mein rahana aur fir breakup ho jana, itna aasan nahin hota. Tumhara dukhi aur confused hona puri tarah se samajh mein aata hai.

1. Apne aap ko samjho:

Sabse pehle, apne emotions ko samajhne ki koshish karo. Tumhara kya feel ho raha hai? Dukh, gussa, akelapan, ya kuch aur? Apne emotions ko accept karo aur unhen express karo.
Tumhara ex-girlfriend ke sath physical attachment tha. Isliye, breakup ke baad tumhara ek void feel hona natural hai.
Tumhara focus abhi job per nahin hai. Iska matlab hai ki tumhara mental state abhi theek nahin hai.
2. Apne aap ko theek karo:

Tumhare liye sabse important hai ki tum apne aap ko theek karo. Apne emotions ko deal karne ke liye healthy ways dhundho.
Tum therapist ya counselor se baat kar sakte ho.
Tum exercise, meditation, yoga, ya kuch aur creative activity kar sakte ho.
Apne friends aur family ke sath time spend karo.
3. Ghar ke mamle:

Tumhari mom ke liye help dhundho. Tum ghar ke kamon mein unki help kar sakte ho.
Tum maid ya cook rakh sakte ho.
Tum apne siblings se help mang sakte ho.
4. Rishta:

Tum abhi 28 saal ke ho. Shaadi karne ki tumhari age nahin hui hai.
Tum abhi relationship ke liye ready nahin ho.
Pehle apne aap ko theek karo.
Phir, jab tum ready ho jaao, tabhi dusre kisi ke sath relationship mein jao.
Kuch aur tips:

Apne aap ko time do.
Positive raho.
Apne dreams ko chase karo.
Khud per bharosa rakho.
Yaad rakho, tum akele nahin ho. Bahut se log aisi hi situations se gujarte hain. Tum theek ho jaaoge. Bas, apne aap ko time do aur khud per bharosa rakho.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 14, 2023Hindi
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Money
How can I start sip
Ans: Starting a SIP (Systematic Investment Plan) is a straightforward process. Here's a step-by-step guide to help you get started:

Set Financial Goals: Determine your investment objectives, whether it's wealth creation, retirement planning, education funding, or any other financial goal.
Assess Risk Tolerance: Understand your risk tolerance and investment horizon. This will help you choose suitable investment options.
Select Mutual Fund: Research and select mutual funds that align with your investment goals, risk profile, and time horizon. Consider factors like fund performance, fund manager track record, expense ratio, and investment strategy.
Choose SIP Amount: Decide the amount you want to invest through SIP. It can be as low as Rs. 500 or higher, depending on your budget and investment goals.
Select SIP Frequency: Choose the frequency of your SIP investments. SIPs can be monthly, quarterly, or even bi-monthly, depending on your preference and cash flow.
Submit KYC Documents: Complete your Know Your Customer (KYC) process by submitting required documents like identity proof, address proof, and PAN card to the mutual fund company or intermediary.
Fill SIP Application Form: Fill out the SIP application form provided by the mutual fund company or distributor. Provide details like your personal information, investment amount, frequency, and bank details.
Submit Application: Submit the filled application form along with the necessary documents and initial investment amount to the mutual fund company or distributor.
Set Up Auto Debit: If you opt for electronic clearing service (ECS), set up auto-debit instructions with your bank to ensure timely SIP payments.
Monitor and Review: Regularly monitor your SIP investments and review their performance. Make adjustments if needed based on changes in your financial situation or investment objectives.
Remember, SIPs offer the benefit of rupee cost averaging and disciplined investing, making them an effective way to achieve long-term financial goals. Always seek advice from a financial advisor if you're unsure about where to invest or need assistance in setting up your SIP.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Money
Hello joshi I am govt doctor retirement on May 2024 ,so with this I am planning to invest 50 lakhs rupees in various scheme to get good return in SWP way so kindly suggest various ways to invest this amount I am already investing in various MF
Ans: Planning for your retirement and seeking ways to invest your lump sum amount of 50 lakhs wisely is a prudent step. Here are some suggestions for investing in various schemes to generate a good return through SWP (Systematic Withdrawal Plan):

Debt Mutual Funds:
Consider investing a portion of your amount in debt mutual funds. Opt for funds with a track record of stable returns and low volatility. Debt funds can provide regular income through SWP while preserving capital.
Balanced Mutual Funds:
Balanced funds, also known as hybrid funds, invest in a mix of equity and debt instruments. They offer the potential for growth through equities while providing stability through debt allocations. Choose funds with a suitable equity-debt ratio based on your risk tolerance.
Fixed Deposits (FDs) and Recurring Deposits (RDs):
Allocate a portion of your amount to fixed deposits or recurring deposits for a guaranteed return. While FDs offer a fixed interest rate, RDs allow you to invest a fixed amount regularly and earn interest. These can provide steady income through SWP.
Senior Citizen Saving Scheme (SCSS):
As a retired individual, you may consider investing in SCSS, which is specifically designed for senior citizens. It offers a higher interest rate than regular savings accounts and provides regular income through quarterly interest payouts.
Post Office Monthly Income Scheme (POMIS):
POMIS is another option for generating regular income. It offers a fixed interest rate and provides monthly income through interest payouts.
Annuity Plans:
Annuity plans offered by insurance companies can provide guaranteed income for a specified period or for life. Consider exploring different annuity options to choose one that suits your needs.
Before making any investment decisions, assess your risk tolerance, investment goals, and income requirements. Diversify your investments across different schemes to manage risk effectively. Consult with a financial advisor to create a customized investment plan tailored to your retirement needs and objectives.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I am 19 th aged now and wants to retire with 10 cr at 35 age please suggest my investment instruments allocation please suggest me
Ans: It's impressive that you're thinking about retirement at such a young age! Starting early gives you a significant advantage in building wealth over time. Here's a suggested allocation for your investment instruments to aim for a retirement corpus of 10 crores by the age of 35:

Equity Investments (70-80%):
Invest a major portion of your portfolio in equity instruments like mutual funds, stocks, or exchange-traded funds (ETFs). These offer the potential for high returns over the long term. Consider diversified equity funds across large-cap, mid-cap, and small-cap segments to spread risk.
Allocate around 70-80% of your investment portfolio to equity for higher growth potential.
Debt Instruments (10-20%):
Allocate a smaller portion of your portfolio to debt instruments like fixed deposits, bonds, or debt mutual funds. These provide stability and act as a buffer against market volatility.
Aim to allocate around 10-20% of your portfolio to debt instruments to balance risk and provide steady income.
Alternative Investments (10%):
Consider allocating a small portion of your portfolio to alternative investments like real estate investment trusts (REITs), gold, or other alternative assets. These can provide diversification and act as a hedge against inflation.
Allocate around 10% of your portfolio to alternative investments for added diversification.
Remember, asset allocation should be based on your risk tolerance, investment goals, and financial situation. Regularly review and rebalance your portfolio to stay aligned with your objectives and adjust as needed. Consider consulting with a financial advisor to create a personalized investment plan tailored to your specific needs and aspirations. Starting early and staying disciplined will put you on the path towards achieving your retirement goal of 10 crores by the age of 35.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Respected Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.
Ans: It's great to see your disciplined approach to investing through SIPs and your one-time investment in Franklin India Opportunities Fund. Let's evaluate your current portfolio and discuss its potential.

Your SIP portfolio is well-diversified across various mutual fund categories, including large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds like technology. This diversification helps spread risk and captures growth opportunities across different segments of the market.

As for continuing with this fund selection, it's essential to periodically review your portfolio's performance, fund manager track records, and market conditions. Consider factors like expense ratios, fund objectives, and your own investment goals and risk tolerance.

Regarding the corpus generation after 20 years, predicting exact returns is challenging due to market uncertainties. However, with a diversified portfolio and a long-term investment horizon, you stand a good chance of accumulating a significant corpus. Historical data suggests that equity investments have the potential to outperform other asset classes over the long term, albeit with volatility.

To get a more accurate estimate of your potential corpus after 20 years, consider consulting with a financial advisor or using online calculators that factor in expected returns, inflation, and investment duration.

Remember, investing is a journey, and staying committed to your long-term goals while periodically reviewing and adjusting your portfolio will help you navigate market fluctuations and achieve financial success.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 18, 2023Hindi
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Money
I am 40 years old and have a lum sump amount of 25lacs to invest. Currently I have all the investment in form of FDs (other than 25lacs). I have regular deposits in PF and NPS Tier1 as part of Pvt employment retirals benefits. Please advise which mutual funds to invest this amount into. I have a long term horizon of 5+ years and moderate/high risk capacity. Second question: Is NPS Tier 2 better over Mutual funds if we dont have a sectoral preference.
Ans: It's excellent that you're considering diversifying your investments beyond fixed deposits and exploring mutual funds for your long-term goals. With a moderate to high-risk capacity and a horizon of 5+ years, mutual funds offer an opportunity for potential growth.

For your lump sum of 25 lakhs, you may consider a diversified portfolio across various mutual fund categories. Equity funds, including large-cap, mid-cap, and multi-cap funds, can provide exposure to different segments of the market and help spread risk. Additionally, you might explore balanced funds or hybrid funds for a mix of equity and debt, providing stability while aiming for growth.

Regarding your second question, NPS Tier 2 can be an alternative to mutual funds, offering benefits like flexibility and potentially lower expense ratios. However, it's essential to consider factors such as lock-in periods and taxation implications before making a decision. If you prefer a hands-off approach and are comfortable with NPS's features, it could be a suitable choice.

Ultimately, the decision between NPS Tier 2 and mutual funds depends on your specific preferences, goals, and risk tolerance. I recommend consulting with a financial advisor to assess your individual circumstances and create a customized investment plan aligned with your objectives. With careful consideration and strategic planning, you can make the most of your investments and work towards your long-term financial goals.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Sir, Myself Rajesh, salaried person, 37 years old. having MF SIP Rs. 36500 per month, current invested amount is about Rs. 14,00,000/- + in Equity stocks- Rs.3,00,000/- have about Rs. 5,00,000/- in hand to invest either in stocks or MF . Have family of 3 people and Monthly expenses are around Rs.25k. Planning to take retirement in another 10 years, looking at the current investment can you help me identify approx. corpus required to invest and take retirement. Thank you.
Ans: Hello Rajesh! It's great to see your commitment to investing for your future, especially with retirement on the horizon. Let's dive into planning for your retirement corpus.

Given your current investments in MF SIPs and equity stocks, you're already on a solid path. However, to estimate the corpus needed for retirement, we need to consider factors such as your desired post-retirement lifestyle, inflation, and expected expenses.

With your monthly expenses at Rs. 25,000 and a family of three, projecting your future expenses accounting for inflation is essential. Additionally, factoring in potential healthcare costs and other unforeseen expenses is prudent.

As a Certified Financial Planner, I recommend conducting a comprehensive financial review to determine your retirement goals and risk tolerance. This will help in estimating the corpus required to sustain your lifestyle post-retirement comfortably.

With your additional Rs. 5,00,000 in hand, you have an opportunity to further diversify your investments. Whether you choose to invest in stocks or MFs, consider your risk appetite and the need for diversification to mitigate risks.

I suggest consulting with a financial advisor who can create a personalized retirement plan tailored to your specific circumstances and goals. By taking proactive steps now, you're setting yourself up for a financially secure retirement in 10 years. Keep up the good work, and remember, investing is a journey, so stay focused on your long-term objectives.
(more)
Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 18, 2023Hindi
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Money
Hello Kirtan, I am 58 years old now and plan to retire after one year from now in November 2024 when I turn 59 year old. I have been investing in SIP since last 8 years and accumulated amount in SIP after one year will be about ? 1 crore. I may get PF amount of about ? 30 lacs post my retirement. With total corpus of ? 1.3 crore after one year how much maximum pension amount can I expect per month ? Assuming life expectancy upto 83 years and increasing my pension every year by 6% ? My current monthly investment in SIP is ? 110,000.
Ans: It's wonderful to hear about your disciplined approach to saving for retirement through SIP investments. As you prepare to embark on this new chapter of your life, it's crucial to plan for a steady income stream to support your needs.

With a corpus of approximately 1.3 crores, you have a solid foundation to generate a pension. However, the exact amount you can expect per month depends on various factors such as the pension scheme you choose, prevailing interest rates, and your life expectancy.

Considering your age, life expectancy of 83 years, and assuming an annual increase in pension of 6%, it's prudent to consult with a financial advisor or retirement planner who can provide personalized projections based on your specific circumstances. They can help you explore pension options such as annuities or systematic withdrawal plans that align with your financial goals and risk tolerance.

As you transition into retirement, continue to monitor your investments and adjust your financial plan accordingly. With careful planning and sound advice, you can enjoy a comfortable retirement with peace of mind.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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I have surplus amount 30 lakhs and I like to invest for long time (more than 12 years) . Suggest me to invest in mutual fund. My existing mutual fund portfolios(SIP-50000)are Nippon India small cap,canara robeco small cap,Uti nifty 50 index,parag parik flexi cap,pgim India midcap.
Ans: It's fantastic that you have a surplus amount and a long-term investment horizon in mind. Given your existing SIP portfolios, let's explore potential additions to diversify and optimize your investments.

Considering your appetite for long-term growth, you might want to explore options like large-cap funds for stability, alongside diversified equity funds for broader exposure. Have you considered the potential benefits of adding an international equity fund to your portfolio for global diversification?

Furthermore, given your inclination towards small and mid-cap funds, it's important to balance risk with potential returns. Are you prepared for the volatility associated with these segments of the market?

As a Certified Financial Planner, I encourage you to assess your risk tolerance and investment objectives carefully. While high-risk investments may offer higher potential returns, they also come with increased volatility. Diversification across various fund categories can help mitigate risks while aiming for long-term growth.

Remember, the key to successful investing lies in patience, discipline, and a well-diversified portfolio tailored to your individual goals. With careful consideration and guidance, your surplus amount has the potential to grow significantly over the next 12 years and beyond.
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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Ramalingam

Ramalingam Kalirajan  |980 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

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Hi Ulhasji.. I want your expert opinion over my investments mentioned below, request to guide how to assess and make changes and shuffle the funds over the period of time for incurring maximum profits. My Goals : 1. I have twin daughters aged 14yr. Looking forward for their higher education and marriage. 2. I want to purchase a 2BHK flat up to ?90L within 10yrs. 3. Retirement corpus of ?4crores My investments : 1. ?1.7L invested Lumpsum in SBI EQUITY HYBRID FUND since Oct2022. 2. ?75K invested lumpsim in SBI BLUE CHIP FUND SINCE OCT 2022. 3. ?50K KOTAK FLEXICAP FUND SINCE OCT 2022 4. ?50K PARAG PARIKH FLEX CAP SINCE SEP 2023. 5. SIP ?1000 IN 360 ONE FOCUSED EQUITY FUND 6. SIP ?4000 IN ABSL NIFTY SMALL CAP 50 INDEX FUND 7. SIP ?500 in NIPPON INDIA VALUE FUND
Ans: Your aspirations for your daughters' future, a dream home, and a comfortable retirement paint a picture of careful planning and loving foresight. Your investments reflect a blend of equity and hybrid funds, a strategy that offers growth potential with a calculated level of risk.

To navigate towards your goals, consider the evolving needs of your daughters as they approach higher education and marriage. Are you prepared for the dynamic costs associated with these milestones? Moreover, the quest for your dream home and retirement corpus demands a long-term perspective. Have you factored in inflation and changing market conditions?

As a Certified Financial Planner, I commend your commitment to securing your family's future. It's essential to periodically reassess your portfolio's performance and relevance to your goals. Adjustments may be necessary along the way to ensure alignment with your evolving needs and market dynamics.
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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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