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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 03, 2024

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Kanishka Question by Kanishka on Dec 29, 2023Hindi
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Relationship

Hi Ravi, I had written to you earlier and your advice truly helped me. Hence, I write to you again. I was going around with a Punjabi girl and we used to get along very well despite the fact that she was posh and I'm not. Once her insensitive behaviour hurt me and I was very rude to her. I later realised that she was deeply shocked by my outburst and the poor girl went into depression. In fact she had to go for rehab as well. I sank into guilt and after she was back from rehab, I tried patching up with her desperately. However, as I was half expecting, she refused to continue being friends with me and stopped taking my calls. I saw this coming but I still find it difficult to deal with the emptiness at times. My friends ask me to read a lot but I feel books can never be a substitute to female company. Please advise on how I can cope with my loneliness. Thank you

Ans: Dear Kanishka,

I am glad I was of help. Also, I am sorry to hear how you are feeling but trust me it will pass. You are right, books can never be a substitute for companionship but they can be a great escape from the mundane realities of life. While you don't need to escape the truth all the time because accepting it is also crucial, doing so once in a while can be good for your mental health. Moreover, books widen your horizons and help you gain more perspective than one. Now I am not pushing you to become an avid reader; I am merely saying that your friend isn't wrong here. It sounds like a decent suggestion.

Coming to how you can overcome loneliness, let's get to the basics- meet your close friends, people who make you feel whole. Spend time with your family. Invest time in yourself, on your growth. You can hit the gym; it's one of the most productive habits and does wonders for not just your body but your mind too. Take up a hobby. It can be anything. The goal is to stay busy. After all that, take out some half hour a day to feel all the sadness and loneliness you are feeling, acknowledge it, and comfort yourself. Slowly you will realize that alone does not always mean lonely.

One more thing I would like to recommend is seeing a counselor if things don't improve with time. Time and again we need a little help to feel better, be it physically or mentally. You don't have to do it all alone.

Best Wishes!

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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 03, 2023

Asked by Anonymous - Nov 03, 2023Hindi
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Relationship
Hi, I've been friends with a lovely girl for a while now. She's a posh Punjabi and I'm a lower middle class Bengali. Yet, we get along very well. Both of us have psychiatric issues and that has brought the two of us even closer. Once she expressed a desire to marry me. While I do want to proceed, I don't have the financial standing to do so. Besides, I thought she said so in a moment of emotional upheavel triggered by insecurity. A few days back, I felt insulted after a certain insensitive act of her's and I was pretty harsh to her that day. Ever since then she's gone silent. I believe she has gone into rehab like she once had before. It has left me wallowing in guilt. I never knew I meant so much to her. I keep tapping her mom regularly hoping that she'll call me when she's back. Please advise me on how I should deal with her if she does get in touch with me after coming back? How do I show her that I felt terribly bad after being rude to her? Should I go ahead and get more deeply involved with her if she's still willing? Lastly, how do I cope with losing her if she doesn't get in touch with me ever again? Sorry for going on and on. I hope you understand. Please help. Thank you ????
Ans: Dear Anonymous,

I am sorry to hear that you are going through such a trying time. It is evident that you deeply care for your partner and are feeling a mix of emotions. Here are some suggestions from my end that you might want to consider-

• Take some time to reflect on your feelings. Take into consideration what you want from the relationship. As you have mentioned earlier, you two come from different backgrounds, make sure that does not pose an obstacle in the future if you happen to apologize and fix your relationship now.
• Coming to apologizing, if she gets in touch with you, be honest about your feelings. Apologize sincerely and use your words first to explain how sorry you feel for your rude behavior and later express that in actions too. Let her know that you did not mean to hurt her, but most importantly, you recognize your mistake and you are not trying to hide behind your apology.
• If she is still willing to build a relationship with you, you need to tread carefully, first taking into consideration your feelings.
• If she does not want to take things ahead, listen carefully to what she says and try to look at things from her perspective.
• It is important to acknowledge the possibility of her never reaching out. In that case, coping might be challenging but it is doable. Take it one day at a time and one step at a time, starting with self-care. Find your closest people and lean on them for support. There's no shame in needing extra help to get you through heartbreak. Engage in activities that make you happy and don't ever think that this is the end. It might feel so at the moment, but this too shall pass.

Best Wishes!
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 26, 2023

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Relationship
Hi, I have already been advised once before on a certain crisis I'm faced with. Though along expected lines, it has still come back to haunt me. I was very good friends with a Punjabi girl of a background vastly different from mine. I was very rude to her one day after a certain insensitive act of her's hurt and insulted me. Now she has stopped all communication with me and left me high and dry. Please help me by advising how I should cope with my loneliness now. My friends ask me to read a lot. It might help, but books don't talk to you, do they? They can never be a substitute to a woman's company. I'm thinking of trying to revive a relationship with an old flame, recently divorced. Should I go ahead? Or should I give up on girls altogether and focus on raising my earnings? I'm 49 and at the fag end of my career. Please advise. Thank you. ????
Ans: Dear Kanishka,
Chasing people just to drive loneliness away isn't a great goal to have in the first place. Sooner or later, these people will move away once they realize that you have connected with them to satisfy a need of yours. If they fit the bill, you will have a tendency to avoid them which will only make them feel disrespected.
Connections are based on trust, love and respect.
So, would it be possible for you to make a genuine effort to associate with people with genuine interest in them? This will help foster mutual trust and warmth and maybe lead to a relationship that is not just satisfying your need but is instead nurturing the connection allowing the two of you to explore a long-term relationship.

And do focus on your career as well; it pays your bills and secures your future! A wholesome life is a good aim to have...

All the best!
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 13, 2023

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Relationship
Hi, Trust you're doing well. I'll begin with a complaint. I'm mentioning it here since there's no other platform to grumble on. My previous mail, not written to you, wasn't replied to. On top of that, my inbox is bombarded with mails with details of crises faced by others. As it is, I'm besieged with problems of my own. I don't really have the stomach to analyse crises faced by others. Coming to my issue, as was somewhat expected, the girl I would go around with has broken all contact with me after I was rude to her. Now the question is, how do I cope with it? I've managed to shrug off the feeling of guilt since she was herself very rude when I tried reaching out to her. However, I'm still missing her. How do I cope with the emptiness? Reading books isn't helping. After all, books don't talk, do they? Books can't really be a substitute to a woman's company. I'm trying to raise my earnings since at 49, I'm at the fag end of my career. Is there any way I can keep myself busy? NGOs don't take in people of my age. What do I do? Please advise. Thank you.
Ans: Dear Kanishka,
What is the point with all the distress? The more you stay in the problem, the bigger it is going to get!
If your relationship is over, then move on...yes, the emptiness takes quite sometime to get over with BUT it is possible to get a grab of your emotions ONLY if you choose to...
Focus on the time being on:
Work
Health
Family
Friends
This will give you an idea as to how much more energy you can drive into each of these to see the results that you want. Obviously, you can put in strategic thought into planning the next 10 years of your professional life. Your career ends only when you want it to end. In this digital age, the world is one big village where there are myriad opportunities. Research a bit on where your skills and experience can add value...
So, the point that I am making here is: Shift focus to the things that can change the course of your life for the better!

All the best!
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Money
Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.
Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame
Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.
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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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