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Krishna

Krishna Kumar  |256 Answers  |Ask -

Workplace Expert - Answered on Mar 29, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more
Brijesh Question by Brijesh on Mar 27, 2024Hindi
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Relationship

Sir we have purchased new house which is an hour away but the problem is that she cannot move due to my daughter schooling plus i have many issues professionally,financially,and personal problems and also need to take care of old age parents most of the time i am depressed,frustrated because of all this

Ans: Dear

One cannot tick all the boxes in life there are always trade off.

Please be kind to yourself you are human, you cannot make happy everyone all the time? So please sit with your family and have open conversation ...you may not get solution in the first conversation between patient...listen to what everyone has to say...think what is the best trade off that is possible and go ahead with it.

You are capable of solving it.. Believe in yourself.

All the best.



All the best.

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Kanchan

Kanchan Rai  |172 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 06, 2023

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Relationship
hi im 60+ have relationship with GF MORE THAN 32 YEARS,BOTH ARE DIFFERENT CASTE HAVING ONE DAUGHTER STILL GOING ON RECENTLY SHE INSISTING ME TO STAY IN HER HOUSE EVEN WITH HER HUSBAND HAS GIVEN NO OBJECTION TO GET ALONG, IM REALLY SCARED TO MEET HER EVERY-TIME KEEP CALLING SO I INFORMED WILL END THIS POINT PL SUGGEST
Ans: Hello,

I understand that you are facing a complex and emotionally challenging situation in your long-term relationship. It's clear that your girlfriend has expressed a desire for you to be more integrated into her life, including staying in her house with her husband's approval. This is a unique and sensitive situation, and it's important to approach it with care and consideration.

Here are some suggestions to help you navigate this situation:

Open Communication: It's crucial to have an honest and open conversation with your girlfriend about your feelings and concerns. Ask her to clarify her reasons for wanting you to stay in her house. Listen to her perspective and try to understand her motivations better.
Express Your Fears: Share your fears and anxieties about meeting her and staying in her house. Let her know that you feel scared and uneasy about the situation. Honest communication can help both of you gain a better understanding of each other's feelings.
Set Boundaries: Consider discussing boundaries with your girlfriend. If you are uncomfortable with certain aspects of the arrangement, make those boundaries clear. It's essential to prioritize your own emotional well-being and comfort.
Seek Professional Guidance: You might benefit from seeking the advice of a relationship counselor or therapist. A professional can provide you both with a safe space to explore your feelings and help facilitate communication and understanding between you and your girlfriend.
Self-Reflection: Take some time for self-reflection to understand your own feelings and desires in the relationship. Consider what makes you happy and what you want for your future. This will help you make informed decisions about the relationship.
Consider the Long Term: Think about the long-term implications of your decision. Are there aspects of the relationship that bring you joy and fulfillment? Weigh the pros and cons carefully before making any final decisions.
Consider the Impact on Others: Take into account how your decisions may affect your daughter and other family members. Their input and feelings should also be considered as you navigate this situation.
Decision-Making: Ultimately, the decision regarding the future of your relationship should be based on what feels right for you. It's important to prioritize your own happiness and comfort while being mindful of the feelings of those involved.
Ultimately, it's essential to prioritize your own emotional well-being and happiness. If you feel that this situation is causing you significant fear and discomfort, it may be necessary to reevaluate the relationship and make a decision that aligns with your needs and values.

Remember that you have the right to make choices that are best for you and your well-being, and it's okay to seek support from professionals and loved ones during this challenging time
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Anu Krishna  |830 Answers  |Ask -

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

Asked by Anonymous - Apr 21, 2024Hindi
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

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

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Sir, I am investing in mutual funds for my kid higher education. Amount needed after 15 years is 1.0 crore. I am investing 4000 rs each in the following schemes. 1. Kotak emerging equity 2. Axis Value fund 3. Parag parikh flexi cap 4. ICICI US Bluechip fund Please suggest should I continue with these. Will the US fund will eat away my capital gains?
Ans: Continuing with your current investment approach for your child's education is a proactive step. However, let's review your fund selection:

Kotak Emerging Equity: Offers growth potential by investing in emerging companies. Review its performance and consistency to ensure it aligns with your investment goals.
Axis Value Fund: Focuses on value investing principles. Evaluate its track record and potential for long-term growth.
Parag Parikh Flexi Cap: Known for its diversified approach across market segments. Assess its performance and consistency over time.
ICICI US Bluechip Fund: Invests in blue-chip US companies. While it offers exposure to international markets, consider its currency risk and tax implications.
Regarding the ICICI US Bluechip Fund, investing in international funds can provide diversification but may also entail currency and tax implications. Capital gains from international funds are subject to capital gains tax in India, similar to domestic funds. However, currency fluctuations can impact returns.

Consider consulting with a Certified Financial Planner to evaluate the impact of international investing on your portfolio and whether it aligns with your risk tolerance and investment objectives. Additionally, review the performance and potential risks of each fund regularly to ensure they remain suitable for your child's education goal.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

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

Asked by Anonymous - Dec 18, 2023Hindi
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Money
I have two daughters and their age is 16 and 15 and i own 50 lakhs bank FD , 9 lakhs invested in MF me and my wife have invest 60 lakhs in share market and my age 51 year old. Can you plz suggest the best option for investment . for my future education of two kids and my and my wife upcoming old age( My family ) i have 3 lakhs mediclaim and have few LIC policies. I request you to give me the best advice or suggest the best investment for my growth of money and as a monthly income ( Home expenses ) plz reply
Ans: Given your family's financial situation and goals, it's crucial to create a comprehensive investment plan that considers both growth and stability. Here's a suggested approach:

Education Fund for Daughters: Since your daughters are nearing college age, consider setting aside a portion of your investments specifically for their education expenses. You may allocate a portion of your bank FDs and MF investments towards this goal, ensuring it grows over time to meet their educational needs.
Retirement Planning: As you and your wife approach retirement, it's essential to prioritize building a sufficient corpus to support your lifestyle in old age. Consider diversifying your investment portfolio to include a mix of equity, debt, and balanced funds, along with retirement-focused instruments like the National Pension System (NPS) or Senior Citizen Savings Scheme (SCSS).
Health and Insurance: Ensure you have adequate health insurance coverage for your family's medical needs. Additionally, review your existing LIC policies to ensure they align with your current financial goals and provide adequate coverage for your family's future needs.
Monthly Income: To generate regular income for your household expenses during retirement, consider investing in dividend-paying stocks, mutual funds with dividend options, or fixed income instruments like Senior Citizen Savings Scheme (SCSS) or Post Office Monthly Income Scheme (POMIS).
Regular Review and Adjustment: Regularly review your investment portfolio to track its performance, make necessary adjustments, and ensure it remains aligned with your financial goals and risk tolerance.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your family's specific financial situation and goals. Together, you can create a customized investment plan that addresses your needs for growth, income, and financial security.
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

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

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Money
Hello Sir, myself Venkatesh aged 35 working in PSU current monthly takehome salary is Rs.1.20lac investing Rs.1,50,000/- in PPF per annum, havings corpus in fixed deposits around Rs.30lacs, investing in Mutual funds through monthly SIP of Rs.8000/- in three funds from past 3years 1.Parag Parikh Flexi Cap Fund-Reg(G)- 3K 2. Mirae Asset Large Cap Fund-Reg(G)- 3K 3. Axis Focused 25 Fund-Reg(G)- 2K. Now i want to invest another Rs.15,000/- per month for 18-20years and also advise by what amount i can stepup my existing portfolio for better returns.
Ans: Venkatesh! It's great to see your disciplined approach towards saving and investing. With your stable income and existing investments, adding Rs. 15,000 per month for 18-20 years can significantly boost your long-term wealth accumulation.

Considering your current portfolio, you may diversify further by adding funds from different categories to spread risk. Consider allocating the additional investment across different types of mutual funds such as mid-cap funds, small-cap funds, or international funds to enhance diversification.

As for stepping up your existing portfolio, you can consider increasing your SIP amounts gradually over time. Analyze the performance of your current funds and the potential for growth. Based on your risk tolerance and financial goals, you may consider increasing the SIP amounts in funds that have shown consistent performance and align with your investment objectives.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Together, you can create a comprehensive investment plan to maximize returns and achieve your long-term financial objectives. Keep up the excellent work with your savings and investments!
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Ramalingam

Ramalingam Kalirajan  |965 Answers  |Ask -

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

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Please suggest 4 MF's for investment of Rs 10 k sip. It should be growth and open ended... Srinivasulu
Ans: Srinivasulu! Here are four mutual fund options for your SIP investment of Rs. 10,000 each:

Large Cap Fund: Invest in a large-cap fund for stability and growth potential. These funds typically invest in well-established, large companies with a track record of steady performance.
Multi-Cap Fund: Opt for a multi-cap fund to diversify across different market capitalizations, including large-cap, mid-cap, and small-cap stocks. These funds offer flexibility to capitalize on opportunities across the market spectrum.
Mid Cap Fund: Consider investing in a mid-cap fund for exposure to mid-sized companies with potential for higher growth. These funds can be more volatile but offer the opportunity for significant returns over the long term.
Flexi Cap Fund: Choose a flexi cap fund for the flexibility to invest across market capitalizations based on the fund manager's assessment of market conditions. These funds adapt to changing market dynamics and aim to deliver consistent growth.
Ensure you review the fund's performance, track record, and consistency before making your investment decision. It's also essential to stay invested for the long term and regularly review your portfolio to ensure it remains aligned with your financial goals.

Remember, consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals.
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Ramalingam Kalirajan  |965 Answers  |Ask -

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

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

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Archana Deshpande  |24 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 30, 2024

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Dear Guru, I work in the technology space, and as with most careers, it is challenging and stressful. I work long hours (10-12hrs on avg). My problem is that I get disturbed sleep and am unable to get work related thoughts out of my mind wherein I even dream about solutions to work problems. I am afraid this is going to hurt my health and burn me out soon. Please advise on how I can detach from work to get a refreshing sleep.
Ans: Dear Bhawik!!

Pat yourself on the back for being a committed employee. The problems you have stated happen to most people who give their 100% to their work. Since you already know what it is to be 100% at work, it is time for you to give your 100% at home and to yourself.
You need to mentally detach yourself from work the moment you step out of the office building.
How will you do this? Adopt the following-
1. before leaving the office list out all the activities for tomorrow , prioritise them and mentally commit to them as tasks for tomorrow.
2. as soon as you exit the office building take three deep breaths , inhale and exhale deeply - this is called a transitioning breath which helps you transition from activity to another
3 establish rituals like listening to music( which you love) the moment you leave the building
4. if your transit form office to home takes some time, then practice being in the moment by looking around - the people, the trees, the sky, let all your senses be involved- use your eyes to see, nose to smell, ears to hear the sounds around, feel the breeze in your hair/ on your skin. This makes you feel 100% alive. Stay in the moment.
5. when you reach home, greet your loved ones with a smile
6. spend a little time doing nothing , just be
7. enjoy your meal mindfully
8.take a small walk after your meal
9.spend min 10 mins doing something that brings you joy, for me it is reading a book, what is it for you?
10.go for a guided "Yog Nidra" before sleeping.

Do not intellectualize these suggestions. Just do them. They are tried and tested methods for a proper demarcation between work and home life.
Best wishes for a life well lived and restful sleep..
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Sunil

Sunil Lala  |178 Answers  |Ask -

Financial Planner - Answered on Apr 29, 2024

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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