Home > Relationship > Question
Need Expert Advice?Our Gurus Can Help
Pooja

Pooja Khera  |21 Answers  |Ask -

Life, Relationship Coach - Answered on Jan 17, 2023

Pooja Khera has a PGDM in human resources from Amity University and is a happiness and wellbeing coach certified by Yale University. She also has a master's degree in astrology and is a tarot card reader as well.... more
Asked by Anonymous - Jan 17, 2023Hindi
Listen

I rarely use astrology anymore, and even then it is just out of curiosity. The more we become self-aware, the more checking into astrology only agrees with what we have already discovered within ourselves.Like looking at the natal charts of Johnny Depp and Amber Heard during this very-public law suit. The astrological conclusion? Inconclusive.

Ans: Astrology is a cosmic form that guides you with how the planetary movements guide our lives, shape our personality and our lives. Self awareness on the other hand helps us work on our habits, attitudes and overall personality. In my opinion, astrology can be used in a lot more detailed form as guidance and a lot more.

You may like to see similar questions and answers below

Ashwini

Ashwini Dasgupta  |103 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Nov 03, 2023

Asked by Anonymous - Oct 22, 2023Hindi
Listen
Career
Hi Ashwini, I had earlier got highly balanced answer so here I am with one more question! At many times, I get unique ideas for business. One of the ideas was also appreciated by one of the Rediff Gurus for start up. My problem is, I immensely believe in Astrology. I have a habit of taking an advice of an astrologer, be it a tarot card reader or numerologist or Vedic traditional astrology. Sometimes, I get encouraging advice and many times, the astrologer rules out success in business because of some planet in a specific house or current planet positions etc. My question to you comes now! Do you think that most successful people have ever followed astrology before starting a venture? or how much weigh I should give to "luck" before venturin out. As of now I have about 6-7 business ideas and they are one of a kind (out of box) and stuck in the US for a job and only way of returning to India is quitting the job and starting my own business in India. Please help!
Ans: Dear Sir/ Madam,

Hope you are doing well.

Apology for the delay in reply.

It's good to belief in something if you are convinced about it. It is also equally true to draw a boundary around the same. For example, if Astrology- it's fine if you have the belief on that science at the same, please understand it cannot shape your future or help you reach goals if you do not take appropriate actions in a timely manner.

Yes, many successful people are/have been following astrology having said that there also cases where this science has not worked for many. So, it's important for you to understand to take the information as a reference point and take the necessary actions.

If you have 6to 7 business ideas, pick the best where you are fully convinced and start with one. Invest your energy, time to make it work. You may also speak to your well-wishers and brainstorm on the different ideas you may have. Please remember not everyone would be convinced or sold to your idea at the end it's your baby only you can nurture it.

Whether you follow astrology or not is a personal choice. While making decisions on any of the ideas you may want to execute you need to also rely on the factual information and it's potential to grow rather than relying solely on the astrology. I agree luck can play a role on any success at the end it's a combination of hard work, consistency, passion, proper planning and so much more.

If you are passionate about your business ideas then is no looking back you will bound to get success. Ultimately the decision to start your business is a personal choice and it should align with your goal, values and circumstances. Weigh the pros and cons and its potential and get going. All the best.

Hope this helps.

To Your Success. Be You. Be Confident.
Ashwini Dasgupta
Author of Confidence Decoded. Is it a skill or attitude?

..Read more

Latest Questions
Janak

Janak Patel  |19 Answers  |Ask -

MF, PF Expert - Answered on Mar 07, 2025

Listen
Money
Hi, I have 10 CR new surplus coming in next 6-12 months. I have worked hard and would like to take it easy at this point. I would like this corpus to last in perpetuity and leave behind a good amount for kids. I would like to invest this in a way that delivers 3 lakh per month inflation ( assume 5-6%) adjusted income and also grow the portfolio/corpus in longer run. Assume that this portfolio will be there for ever for next generations as well. Please advise a) if this is possible b) If the 3 lakh / per month expectation is too high/low c) provide details how I should approach this. d) Would you be able to prioject based on practical experience how much it will be in 30 years time. Thanks so much
Ans: Hi BK,

The queries you have raised are simple but the the solutions to them can be many. I will cover the important ones - your main objectives of regular monthly income and also have a corpus that you can leave behind.

So before my response I will make a few assumptions along with your inputs
1. You want to have 3 Lakh per month income to be adjusted by inflation each year.
2. You expect to receive above income for the next 30 years.
3. Return on the corpus invested will be an average of 10% pa.
4. Corpus to last beyond 30 years for your children.
5. No other dependencies to be serviced through your corpus.

Response a) Yes it is very much possible.

Response b) 3 lakh per month has to take into account your lifestyle expenses. It may seem too high for someone or too low for another, so its more relevant for you to measure it against your own expenses today. Do note that with time, and also as you indicated you want to take it easy, this number if its valid today may change once you take it easy.

Response c)
One of the simple solution to achieve your goals/objectives can be to split your 10 crore corpus into 2 amounts and invest them separately.
1. Invest 5.5 crore in Mutual fund schemes - you can further split this into 2~3 schemes for diversification and risk management. Consider between Conservative hybrid, Balanced advantage and Aggressive hybrid funds which can provide an annual average return of 10% (consolidated).
After a year of staying invested, start a SWP (systematic withdrawal plan) from these MF schemes to withdraw 3 lakhs per month and there after increase this by 5% every year.
This corpus will last you between 25 to 30 years.
2. Invest the remaining 4.5 crore separately in Mutual fund schemes - again this can be put into a portfolio of different schemes. This needs to be well balanced for investment for the next 30 years. This is where the long time duration of investment can permit you to take a bit of risk and generate good wealth.
At an average of 10% to 12% returns on the portfolio, expect the portfolio value to be between 78 crore and 125 crore after 30 years.

Response d) Projections provided above with assumed rate of returns.

Please note in the above, tax implications have not been taken into account. Also some important and crucial aspects need to be considered - health insurance being the primary one. You should get yourself a good health cover for the remainder of your life, if you have one, check if it needs to be enhanced or if its sufficient.
Hence I would recommend, you to hire/consult a Certified Financial Planner who can help you build your portfolio with recommended products and schemes that will meet your objectives. A CFP can provide a customized plan to achieve your goals and will also provide you alternatives/options and highlight the pros/cons for each.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Ramalingam

Ramalingam Kalirajan  |8085 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 07, 2025

Asked by Anonymous - Mar 07, 2025Hindi
Listen
Money
Hello Sir, I am a housewife in need of passive income for my own and family needs. I have 30 lakhs which I want to do SWP of 30k every month. Question. How to create my portfolio with 30 lakhs and where and how to invest so that my capital is appreciated and can withdraw my 30k for many years Thanks & Rgds,
Ans: You want to generate a steady Rs 30K monthly income while ensuring your capital grows. This requires a balanced investment approach. I will guide you on how to structure your Rs 30 lakh portfolio to meet both goals.

Key Considerations Before Investing
Sustainability: You need withdrawals to last at least 20-30 years without depleting the capital.
Capital Appreciation: Your money should grow to counter inflation.
Tax Efficiency: Choosing the right funds can reduce tax on withdrawals.
Market Risks: A balance of equity and debt ensures stable and growing income.
A Systematic Withdrawal Plan (SWP) is a good choice. It allows you to withdraw Rs 30K per month while letting the remaining amount grow.

Ideal Portfolio Structure for Rs 30 Lakhs
A mix of equity and debt funds is required. This ensures stability while capturing growth.

Recommended Allocation:

50% (Rs 15L) in Equity Hybrid Funds – For growth and inflation protection
40% (Rs 12L) in Debt Funds – For stability and steady income
10% (Rs 3L) in Liquid Funds – For immediate liquidity and emergency needs
Step-by-Step Investment Plan
1. Equity Hybrid Funds (Rs 15L)
These funds invest in both equity and debt, giving you balanced growth.
Why? They provide better returns than pure debt funds while reducing volatility.
SWP From Here: You can withdraw from hybrid funds for higher tax efficiency.
2. Debt Funds (Rs 12L)
Invest in corporate bond funds and dynamic bond funds.
These offer better stability and returns compared to fixed deposits.
Helps in reducing market risk while still earning higher returns than traditional savings.
3. Liquid Funds (Rs 3L)
This acts as your emergency buffer.
It ensures you don’t withdraw from equity during market downturns.
Helps maintain consistent income even in volatile times.
How SWP Will Work
Start SWP from Equity Hybrid Funds. This ensures capital growth while giving you tax efficiency.
In case of market downturns, withdraw from Debt Funds instead. This protects your equity from unnecessary withdrawals during bad phases.
Rebalance every 2-3 years to maintain stability.
Your Rs 30 lakh corpus can comfortably provide Rs 30K per month for 20-30 years if structured correctly.

Final Insights
SWP from hybrid funds ensures both income and appreciation.
A mix of equity, debt, and liquid funds provides stability.
Your corpus will grow and last for decades if rebalanced periodically.
Tax-efficient withdrawal ensures more money stays in your hands.
With this approach, you get consistent income without worrying about capital depletion.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Nayagam P

Nayagam P P  |4286 Answers  |Ask -

Career Counsellor - Answered on Mar 07, 2025

Listen
Career
Jee main 2025 attempt 1 my daughter score 89.55 percentile with delhi state quota. What is their expected rank and govt college she got
Ans: Ravish Sir,

How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Daughter's Admission Chances Using JoSAA Data
Step 1: Collect Your Daughter's Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least your daughter's 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your daugther's details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If your daughter is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Daughter's Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State (OS) candidates and different categories.
Pro Tip: Adjust your daughter's expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your daughter's admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

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

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x