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Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 10, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Oct 08, 2025Hindi
Relationship

We’re a married couple — I’m 35 and my wife is 32. We’ve built a stable life together, but lately, I’ve been feeling some imbalance in how we relate to each other. My wife tends to be quite controlling in decisions, and I often feel that she isn’t very attentive or warm toward my family. I care deeply for her, but I’m also worried that these patterns might create distance between us over time. How can I express my feelings about her being controlling and less considerate toward my family without making her feel blamed or defensive?

Ans: That’s a mature approach and already a good sign that your bond matters to you.
When you bring up sensitive issues like control or family dynamics, tone and timing matter as much as the words themselves. Choose a calm moment — not during or right after a disagreement — and focus on connection rather than correction. Instead of starting with what she’s doing wrong, begin by expressing your appreciation for what you value in her. This helps her feel emotionally safe before hearing something difficult.
For example, you might say, “I really admire how strong and organized you are, and I know you want what’s best for both of us. But sometimes, when big decisions happen quickly, I feel a bit left out — like my input matters less. I’d love for us to talk through things together a little more, so we both feel equally part of the process.”
When it comes to her behavior toward your family, use the same gentle, personal framing. You could say, “I know it’s not easy balancing relationships with in-laws, and I don’t expect perfection. But sometimes when my family feels distant from us, I feel torn. It would mean a lot to me if we could find small ways to make them feel included — it helps me feel more grounded too.”
Avoid using words like “you always” or “you never,” as those create defensiveness. Instead, focus on how her actions make you feel, and frame it as a team issue: “How can we work on this together?” This shifts the tone from blame to partnership.
After you share, pause and truly listen to her side — she may be reacting from stress, insecurity, or her own unmet needs. When she feels heard, she’ll be more open to change.
In short, your goal isn’t to win the argument — it’s to invite her back into emotional collaboration. The more you approach her with respect and vulnerability, the more likely she’ll soften and meet you halfway.

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 13, 2024

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Relationship
Maam - I am recently facing trouble in my 22 year old marriage. I am unable to understand my wife's behaviour which according to her is very normal. I am unable to judge when she requires me. I have not been a caring husband and can be attributed to this behaviour of mine. She had got very along very well with our son all these while and now that he is in college and travels his behaviour also irritates her. She says that he has also changed a lot and have no respect for females, he has lots of secret which he is avoiding tell us. She is very much worried about it and I feel that has spilled over into our relation as well. We compromise for a few days which is mostly from my side but again on the 4th day it is back to the same.. Can you suggest some actions from my side which can help improve my relation with my wife and understand her better..
Ans: Sudesh,

It sounds like you're in a challenging situation, but it's commendable that you're seeking ways to improve your relationship with your wife. Schedule regular times to talk openly and honestly with your wife about your feelings, concerns, and desires for the relationship. Encourage her to express herself as well. Active listening is crucial here.Try to see things from your wife's perspective and understand her concerns about your son's behavior. Validate her feelings and reassure her that you're there to support her.
Make an effort to spend quality time together as a couple. Plan activities that you both enjoy and that allow you to connect on a deeper level. This could be anything from going for walks, having dinner dates, or pursuing mutual hobbies.
Work together with your wife to address any concerns about your son's behavior. Approach him with empathy and understanding, and try to create an open and supportive environment where he feels comfortable sharing his thoughts and concerns. Consider couples therapy or counseling to work through any underlying issues in your relationship. A therapist can provide guidance and support in improving communication, understanding each other's needs, and resolving conflicts.Take time to reflect on your own behavior and actions within the relationship. Consider how you can be a more caring and attentive partner, and be willing to make changes where necessary.Improving a relationship takes time and effort from both parties. Be patient with yourself and your wife as you navigate through challenges and work towards a healthier, more fulfilling relationship.

Remember that it's okay to seek outside help and support when needed, and that small steps towards positive change can make a big difference in the long run.

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Kanchan

Kanchan Rai  |645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 02, 2024

Asked by Anonymous - Jul 02, 2024Hindi
Relationship
i am 50 and my wife is 43. We are living two different countries to help our children to pursue their interests. We are pretty good in financially and i go to my home (where my wife and younger son live) at least 2 to 3 times a year and spend 2 to 3 weeks per trip. We married for the last 22 years and we both of us seen ups and lows of our relationship. Most of the time, we are happy and we did the right things not only for us but also for our children and both are willing to take sacrifices for the sake of children and we wholeheartedly agree on this. However, i see few concerns especially after living separately. 1. really don't see my wife shows much interest about me. She also mentioned that if i come to my home where she lives, she doesn't feel really excited and just normal for her. However, i will be happy to see her and spend time with her. Inspite I come to our home, she really didn't care much about my interests like what food makes me happy. In-fact, she doesn't need to cook and we have cook who does most of the stuff. 2. In-terms of intimacy, she doesn't show much interest and i stopped asking her unless if she initiates and I didn't want to initiate as I start getting rejection from her for the last few years. Overall, if I ask to fulfill my interest (showing love and affection), she says that she cannot do as she is too busy. However, she does other works like taking care of children, spending time with her friends or her own interests she does take care. however, any thing specific to me, she thinks it is not a high priority. I askied clearly to her that why my needs of lower prioirty. Her answer is very vague and she does say that she loves me and she needs me. I am getting a picture that I am there to take care of them financially like building assets, taking care of the children and wife but I am not getting any return from her, I vent my frustration to my wife and asker her to open up and share any concerns. She really don't share any point that could really help me to understand her mind. At this point, I am kind of confused. I am just 50 and she is 43 and i see that there is really not much love. i was thinking when i turn 60 , it would be far worse than today in terms of love and affection. I really don't want to divorce at least for the next 10 years as my kids are growing and i really don't have a compelling reason to do now as I still love my wife and if she is feel bad on any reason , I don't care of these problems and i still be with her to address any problem she has. I support even today for her wants and desires and I do wholeheartedly. Also, She is not a person who cheats me My concern is that I cannot change her much. I would like your advice on How should I change so that i still live happily (regardless of whether i get love from my wife or not) without getting frustations on relathinship issues. Should I accept that this what I would expet from wife and be content.
Ans: Navigating the dynamics of a long-term marriage, especially one complicated by physical distance, is indeed challenging. Your situation is layered with decades of shared history, responsibilities, and deep commitments.
First and foremost, it’s crucial to try to understand your wife's perspective. Living apart can create emotional and physical distance that’s hard to bridge during occasional visits. When she says she’s not particularly excited about your visits, it may not necessarily reflect a lack of love or care. Instead, she might be grappling with the routine and demands of her daily life, which can often dull the excitement of reunions. The responsibilities of managing a household, even with help, combined with the constant care for your children, can be incredibly taxing. This often leaves little room for nurturing the romantic and intimate aspects of a relationship.

It’s also possible that she has grown used to the independence that comes with your living arrangement. Over time, people can adapt to new rhythms and find comfort in their routines, even if those routines don’t include their partner as prominently as before. This doesn’t necessarily mean a lack of love; rather, it’s a shift in how she’s accustomed to living day-to-day.

For your part, consider what you’re seeking from your relationship and what you’re currently receiving. You’ve mentioned feeling like a provider rather than a partner, which can be deeply unsatisfying. Reflect on whether your expectations align with the reality of your relationship. Are you hoping for expressions of affection and excitement that your wife may not be able to provide right now due to her own emotional or practical constraints?

Your frustration and sense of being undervalued are entirely valid. It’s important to acknowledge these feelings and not dismiss them. However, the key is to approach this situation without letting these feelings drive a wedge between you and your wife. Instead of focusing on what’s missing, try to identify what’s still present in your relationship. Your shared commitment to your children and the mutual sacrifices you've made are significant bonds that can still be honored and celebrated.

In terms of intimacy, it’s understandable to feel hesitant about initiating when past attempts have led to rejection. This aspect of your relationship might require open, honest, and non-confrontational dialogue. Let your wife know that you miss the closeness and that it’s important to you, not just physically but emotionally. It’s possible she might not fully realize the impact her disinterest has had on you.

While it’s clear you’re committed to staying in the marriage for at least the next decade, it’s also important to focus on your own happiness. Invest in self-care and activities that bring you joy outside of the relationship. This could be pursuing hobbies, spending time with friends, or even exploring new interests that fulfill you personally. Building a satisfying life for yourself can alleviate some of the pressure on your marriage to meet all your emotional needs.

Acceptance can be a powerful tool in finding contentment. Accepting that your wife may not be able to give you what you once had or what you currently desire doesn’t mean giving up on the relationship. Instead, it’s about finding peace with the current reality while still cherishing and nurturing the aspects of your relationship that are strong and positive.

Remember, relationships are dynamic, and people change over time. What’s crucial is finding a balance that allows you to feel fulfilled and connected, even if it means adjusting your expectations and finding joy in different ways. Continue to express your love and support for your wife and children, but also give yourself permission to seek happiness and fulfillment in ways that are within your control.

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Anu

Anu Krishna  |1745 Answers  |Ask -

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

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Relationship
Dear Anu I have been married for 17 years, and since around 2017, I have been living away from home for work. Recently, I have been reflecting on whether there is genuine love between my wife and me. When I tried to draw a conclusion, I realized that, yes, we do have true love. But then, why don’t our thoughts align? Why is there always a difference between the way I think and the way she thinks? And is this difference gradually eroding the respect in our relationship? You might say that since we are two different individuals, having differing opinions is natural. But how does one determine which opinion is right and which is wrong? How does one make that judgment? There have been several instances in our life where I hold my wife responsible for certain things, and in some matters, she holds me responsible. The root of this lies in the fact that I have faced the long-term consequences of certain actions in the past and continue to experience them, which influences my perspective. This is how I see it. At the same time, another thought crosses my mind: she’s my own person, so perhaps I should overlook minor shortcomings and make adjustments. But then, sometimes my heart accepts this reasoning, and at other times, it doesn’t. Why does this happen? I can’t figure it out, nor can I reach a definitive conclusion.
Ans: Dear Nilesh,
The Honeymoon period is long over; maybe you didn't get a chance to notice it.
Agreeing on everything and anything and literally being in alignment most times is a very romanticized version of what married couples are!
It is not uncommon to align but it's not necessary that a couple must align on thoughts and action. So, it's better to understand and accept it. If differences have begun to eat away the peace inside the marriage, that is when you need to step up and do something about it.
And who's to say who is right or wrong; it's only a matter of perspective and that comes from the way the person has lived and understood life's experiences.
If the core values match, let differences be...Respect those differences as that is what makes the other person who they are. If it starts to clash, sit down and have a mature chat about it to bring it to a mid-point and then you can laugh about it together.
Marriage evolves over a period of time and to move with it is maturity; how can you expect things to be the same or the way you think it should be? That is not how relationships and marriage work; acceptance of this fact that marriage evolves and that differences will come about even more seems to be wise in your case.

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  |10852 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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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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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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