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Mohit

Mohit Arora  | Answer  |Ask -

Dating Coach - Answered on Jun 30, 2024

Mohit Arora is a relationship coach, image consultant, soft skills trainer and the founder of Real Dating School. He has a BTech degree in computer science from the Rayat & Bahra Institute of Engineering and Biotechnology, Mohali, Punjab. He has been conducting customised skilling and communication workshops since 2014.... more
Asked by Anonymous - Jun 28, 2024Hindi
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Relationship

Hi Team, I am 40 years old with 9 year old son, divorced an year back. Separated from my husband 4 year's back....I am Senior software engineer, well settled in life with supporting family.. My mom wants me to get married, i have gone through a bad rough phase in my previous marriage..I also need a partner in life but worried about the kind of person who might come in life and not sure will the person be good and will be give intense love to me and my son.. For me my son is my world and he is my lifeline...I am Regular follow of your advises, i have seen many people approaching you people and they are looking for partners in life.. I don't want to register in matrimonial sites as maximum are fake profiles... What is your advise???

Ans: Marriage is over rated and a transactional relationship.Get a boyfriend instead. Don't worry about what society will say. Don't look for marriage. Meet people and if you meet someone who fits, then you can go ahead

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HI MY NAME SRINITHI AM DIVORCE PERSON I HAVE ONE D/O 9 YR OLD .. AM STAY WITH SINGLE BUT MY MIND CHANGED . I NEED MARRIAGE FOR MIND
Ans: Hello Srinithi, it's understandable that your feelings and priorities can change over time. If you're considering marriage again for companionship and emotional fulfillment, here are some suggestions to navigate this process:

Reflect on Your Needs:

Take some time to reflect on what you're looking for in a partner and in a marriage. Consider your values, priorities, and the qualities you find important in a potential spouse.
Communicate with Your Child:

If you haven't already, have an open and honest conversation with your 9-year-old daughter about your feelings and intentions. Ensure she feels comfortable and secure with the idea of you entering into a new relationship.
Build a Support System:

Reach out to friends, family, or a support group who can provide emotional support and guidance as you navigate the process of seeking a new relationship.
Take It Slow:

When you feel ready to explore the possibility of a new relationship, take things at a comfortable pace. Get to know potential partners gradually and allow relationships to develop naturally.
Be Honest About Your Past:

When entering into a new relationship, be open and honest about your past, including your divorce. Clear communication is crucial for building trust and understanding.
Consider Professional Support:

If you find it challenging to navigate these emotions on your own, consider seeking guidance from a counselor or therapist who can help you explore your feelings and guide you through the process.
Set Boundaries:

Clearly define your boundaries and priorities in a new relationship. Understand what you're looking for and what you're willing to compromise on. This will help you make decisions that align with your values.
Stay True to Yourself:

Remember to stay true to your own needs and desires. Don't feel pressured to enter into a new relationship unless it feels right for you.
It's important to prioritize your well-being and the well-being of your child as you consider a new chapter in your life. Taking things step by step, being open in communication, and seeking support can help you navigate this journey more smoothly.

..Read more

Kanchan

Kanchan Rai  |644 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 17, 2025

Asked by Anonymous - Apr 17, 2025Hindi
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Relationship
Hello I am 41 years old but due to careless in life I can't take decision for marriage but now I am realising something wrong happened i started searching alliance but didn't get I want to be relation soon. Please guide me
Ans: It’s completely okay to have taken time figuring out what you wanted in life. Sometimes we don’t move forward simply because we weren’t ready, or we lacked the clarity or emotional support needed at the time. But that doesn't mean you're behind. Everyone’s timeline is different, and yours is still very much unfolding.

Now that you're feeling ready for a serious relationship, here are a few steps you can take to approach this new chapter with confidence and self-awareness.

Start with clarity. Reflect on what kind of partner you're looking for—not just in terms of age or background, but emotionally and mentally. What values matter to you? What kind of connection are you seeking? Are you open to someone who has been married before? Children? When you’re clear, it becomes easier to recognize the right person when they appear.

At the same time, look inward. Do some emotional housekeeping. Ask yourself: What kind of partner do I want to be? Am I emotionally available? Am I still carrying regret, fear, or pressure about being “late” to marriage? Because entering a relationship out of guilt or urgency often leads to settling. But entering it from a place of self-respect and genuine desire creates something meaningful.

Since you're actively searching, it’s okay to use all tools at your disposal—matrimonial sites, family networks, friends, or even a good matchmaker if culturally appropriate. But be patient and realistic. Finding someone who is also ready, aligned with your values, and emotionally compatible can take time.

Also, try not to let pressure—internal or external—rush you. You don’t need a "perfect" partner; you need someone who sees you, respects you, and is willing to grow with you.

And here’s something to hold on to: many people find love in their 40s, 50s, even later—and those relationships are often more conscious, mature, and fulfilling, because they’re built on real-life experience and emotional wisdom, not just youthful impulse.

..Read more

Latest Questions
Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Money
Hope you are doing great. I am 32 years old. I earn roughly 1.1lkh per month. My PPF portfolio is around 19lkh(started in 2018) giving 12.5k per month(From next year 80CC tax benefit will be of no use) lock in till 2033, I also have SIP of 30k (Axis Index- 5k, Axis Midcap-5k & SBI Small cap-20k(Since-2022 & add lumpsum sometimes))- Invested Value Now Rs 12.26lkh & Return- Rs 15.84lkh. I Invest in mostly blue chip equity stocks time to time from 2021 & have invested round about 10lkh & return is 15lkh. My monthly spend is around 30k. I have stacked emergency fund in India Post & Liquid fund. I can invest max 30k if PPF continues & 42.5k if PPF doesn't continue after the lock in is over. With 5% step up annually. I have a few questions: 1. Since PPF will not contribute to my tax savings from next year what should my approach be? Stop PPF & wait till 2033 for it to mature. And invest 12.5k SIP in MF? If yes where should I & in what ratio. 2.I want to reach the goal of 4-5cr in the next 15 years. Kindly guide me. Thanks in advance. Regards
Ans: Hi Subho,

There is no benefit of continuing your PPF investments for tax benefit. Redirect extra 12.5k per month to mutual funds.
But you cannot close your PPF account before 2033, hence contribute only 500 per year to keep the account active.

Total new monthly contribution in MF - 42.5k.
Current selection of funds is not recommended. Your overall contribution in small cap is way too much to continue. Distribute equally in all 3 funds from now on. And can add a flexicap fund of 10k per month in your portfolio.

Try to increase your SIP whenever possible. As with current allocationand contribution, you will get 3.4 crores after 15 years. Where as if you do an annual stepup of 10%, you can get 5 crores after 15 years which you want.

Also as your portfolio size is big, taking a professional advisor's help is recommended. And avoid investing in direct stocks. Reinvest the stock money into mutual funds for a consistent and safe growth.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |375 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 21, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Money
Hi, I'm sorry in advance for a lengthy read and numerous questions. I'm 38 years old and would like to retire in next 10 years or less and I would like to reach portfolio worth 4 CRs and then retire. I already have a term insurance of 2 CR and gold of around half a KG. I currently have 20Lkh (15 for investment and 5 as emergency fund) that I would like to invest in lumpsum. My current portfolio (around 1 year old) is as follows and their Current value: SIPs were stopped in Jan 2025 due to financial reasons. 1. Parag Parikh Flexi Cap Fund : 181920 (+9.93%) 2. Quant Small Cap Fund: 166550 (-1.74%) 3. Motilal Oswal Midcap Fund: 1,66,193 (+1.03%) 4. Nippon India Large Cap fund: 157025 (+8.67%) 5. HDFC Balanced Advantage Fund: 132040 (+6.06%) 6. Nippon India Nifty 500 Momentum 50 Index Fund: 84714 (-15.30%) 7. Stock portfolio: 810000 (+6%) I need help with a few of things. 1. Investing the large sum of 15 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? Or is it not the right time to invest the bulk amount? 2.SIP: I would like to reinstate SIP of 1.3 lkhs: which MFs should I invest this amount in, now? If so, should I spread that amount in the MFs I already have or go for new and at what proportion? 3. 5 lakh emergency fund: Which specific asset class/MF should this be invested so that I can make a decent return better than savings account while this amount is easily accessible for emergencies. Please suggest specific fund even if it is debt/liquid/hybrid fund. Thank you for your help in advance.
Ans: Hi,

It is great that you are taking a step forward towards your early retirement after 10 years. Let us analyse things one at a time.
1. Emergency Fund - You want to put 5 lakhs as emergency fund for you. It is a good amount and you can park in liquid mutual fund. Go for ICICI or HDFC liquid funds for this.
2. Term Insurance - 2 crores cover is good enough. If you share monthly income, would be able to calculate exact amount more accurately.
3. Health Insurance - Take one with a minimum cover of 15 lakhs to cover yourself and family.
4. Current MF - currently around 8.5 lakhs value. Good funds. Continue this amount in these.
5. Stocks - current value of 8.1 lakhs. Direct stock investment is very risky and nor recommended as it requires complete tracking and knowledge. You can consider shifting the entire amount in mutual funds for your retirement.

You want to invest a lumpsum of 15 lakhs and start a SIP of 1.3 lakhs again. You can choose to invest 15 lakhs in equal proportion in your current mutual funds and start SIP in the same funds as well.
However, you can also consider consulting a professional advisor who can build a portfolio for you for all your investments. An advisor guides you with right investment throughout and monitors all investments periodically to cater the requirement and market movements.

Your goal is to reach a corpus of 4 crores in 10 years. With current investments you can only get 3.5 crores in 10 years. You need to increase your SIP by 10% each year to get 5 crores.

Also make sure you have no financial liability left when you retire. And have a dedicated fund for other major goals such as kids education, travel, their marriage etc.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...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.

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