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Ravi Mittal  |618 Answers  |Ask -

Dating, Relationships Expert - Answered on Aug 07, 2023

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Asked by Anonymous - Aug 05, 2023Hindi
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Relationship

Hi Sir, Thanks for your Aug 4 response abt my girlfriend. I have one query about your response. How did you arrive that there is repeated pattern of cheating. Please clarify. It helps me a lot.

Ans: Dear Anonymous,

Cheating in a relationship is not only about getting physically involved with someone. Getting emotionally involved and developing crushes is also considered cheating; at least most people consider it so.

Here are some examples of what people consider cheating or toxic behavior in a relationship- *My GF of last 2 years gets attracted to men, She developed feelings for a guy, She has a crush another guy on insta and she plans to meet.* All of these are from your previous question. That's how I arrived at the "repeated pattern of cheating" conclusion.

But at the end of the day, it is your decision what falls within your idea of cheating.

Best Wishes!

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Ravi

Ravi Mittal  |618 Answers  |Ask -

Dating, Relationships Expert - Answered on May 20, 2024

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Relationship
Hello . I am Samrat and in past I have asked many questions. Recently I have gone through a lot of infidelity cases. The one thing that crosses my mind is that ", Are those people who cheat in their relationship have some common personality traits " , not everyone but most of them ? Because I used to think that anyone can cheat based on circumstances and no one should judge earlier whether one is cheater or not and neither all the cheater are necessarily bad persons. But the more I am delving into it the more I am getting a feeling that these are specific kind of person not all but most of them like they basically withdraw themselves from relationship no what his/her partner is doing for them. they are mostly self-centred etc. because if any reason can support their argument about cheating it should be apply to everyone. But as we all know both male and suffer but don't get indulge into such kind of activities. I request please respond Hope you're fine Regards Samrat
Ans: Hello Samrat,

That's an interesting take and thanks for sharing your thoughts. Infidelity is very complex and though inexcusable, there are certain circumstances when people are forced to make choices that they would not normally. For instance, couples in unhappy marriages are often seen cheating on their partners. Even though it's unethical, we don't have a clear idea of what pushed them to make such a decision. Having said that, I agree that you might be onto something- in fact, research shows that there are, at certain times, some common attributes in people who tend to cheat. Narcissism, commitment issues, impulsivity, and the like are often observed among people who indulge in infidelity.

But even though these traits might be common among some individuals, it does not apply to all. Situational factors should be weighed in before evaluating.

I hope this helps.

..Read more

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Ramalingam

Ramalingam Kalirajan  |9750 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Money
Flexi cap =14000, HDFC Balance Advantage Fund - Direct plan- Growth = 2000 Lage and Midcap Fund= 6500 Midcap Fund= 3000 Nifty Smallcap 250 Index Fund= 1000 Small Cap= 2500 Nifty 500 Momentum 50 ETF= 1000 Sector Fund ( Energy + Bussniss Cycle )= 3000 Current Corpus = 9 lakh , one home loan 8.50L ( 2 kids= 14 and 6 old) 2Cr after 15 years and 50 lakh after 10 years , plz suggest
Ans: You are already investing in multiple mutual funds. Your target corpus is Rs?2?crore in 15 years and Rs?50?lakh in 10 years. You also have a home loan of Rs?8.5?lakh and 2 kids aged 14 and 6.

Let’s assess your situation and restructure it with a 360-degree, goal-oriented, simple language plan.

? Understand Your Monthly SIP Structure
– Flexi Cap: Rs?14,000
– Balanced Advantage: Rs?2,000
– Large & Mid Cap: Rs?6,500
– Mid Cap: Rs?3,000
– Small Cap: Rs?2,500
– Nifty Smallcap 250 Index: Rs?1,000
– Nifty 500 Momentum 50 ETF: Rs?1,000
– Sector Funds (Energy + Business Cycle): Rs?3,000

Total SIP: Rs?33,000 per month. Corpus now is Rs?9?lakh.

? First Issue: Over-diversified Fund Portfolio
– You are in too many funds.
– Some of them are overlapping.
– Index and ETF investments also dilute focus.
– Sector funds and thematic funds are not suitable for goal planning.
– They are risky and not diversified.

Having 7–8 funds increases confusion, not returns.

? Second Issue: You Hold Index and ETF Funds
– Nifty Smallcap 250 Index is unmanaged and volatile.
– It tracks the index without protection.
– ETF (Momentum 50) also depends on short-term trends.
– They work only in rising markets.
– In flat or falling markets, they drop fast.

Actively managed funds are better for long-term goals.
A Certified Financial Planner can guide your allocation.

? Third Issue: Sector and Theme-Based Funds
– Sector funds are risky and cyclical.
– Energy or Business Cycle funds are for advanced investors.
– They are not suitable for education or retirement goals.
– Sectors may underperform for long periods.
– You don't need them for goal-based planning.

Better to exit sector funds and shift to core diversified equity.

? Fourth Issue: Lack of Defined Goal Buckets
– You aim for Rs?50?lakh in 10 years.
– You also aim for Rs?2?crore in 15 years.
– But the current fund setup doesn’t align clearly.
– You must split SIPs for each goal.
– Each goal should have its own mix of funds.

Without goal buckets, tracking and reviewing becomes difficult.

? Fifth Issue: No Mention of Emergency Fund
– You have a home loan to repay.
– You have school-going kids.
– But there is no emergency buffer shown.
– Emergency fund should be equal to 6–12 months’ expenses.
– Park this in liquid or ultra-short term funds.

Emergency savings protect investments from being disturbed.

? Suggested Mutual Fund Portfolio Restructuring
Let us simplify your SIP basket.

Remove these from portfolio:
– Nifty Smallcap 250 Index
– Momentum 50 ETF
– Both Sector funds

Keep and continue:
– Flexi Cap Fund
– Large & Mid Cap Fund
– Mid Cap Fund
– Balanced Advantage Fund
– Small Cap Fund (with smaller exposure)

Now divide SIPs in buckets:

For Rs?50?Lakh Goal in 10 Years:
– Large & Mid Cap Fund (Rs?7,000)
– Flexi Cap Fund (Rs?7,000)
– Balanced Advantage Fund (Rs?3,000)

Total = Rs?17,000/month

For Rs?2?Crore Goal in 15 Years:
– Mid Cap Fund (Rs?4,000)
– Small Cap Fund (Rs?3,000)
– Flexi Cap Fund (Rs?3,000)
– Large & Mid Cap Fund (Rs?3,000)
– Balanced Advantage Fund (Rs?3,000)

Total = Rs?16,000/month

This separation makes goal tracking clear and efficient.

? Continue SIPs Through Regular Plans via MFD
– Direct plans lack support.
– Regular plans through a CFP or MFD give guidance.
– Helps manage volatility and stay invested.
– Better asset allocation and exit strategy.

Emotional discipline and handholding increase wealth over years.

? Equity Mutual Fund Taxation
– Long Term Capital Gains (LTCG) above Rs?1.25?lakh/year taxed at 12.5%.
– Short-term gains taxed at 20%.
– Plan redemptions smartly to reduce tax burden.

A Certified Financial Planner can optimise exit strategy for minimum tax.

? Home Loan vs Investment
– Your home loan is Rs?8.5?lakh.
– Don’t prepay aggressively.
– Let SIPs run and grow long-term wealth.
– Only part-prepay if cash is idle.

Low-interest home loans help create tax benefits.

? Children’s Education Planning
– Elder child may need college funds in 4 years.
– Use part of your Rs?9?lakh corpus here.
– Shift Rs?3–4?lakh to a short-term debt fund.
– This keeps funds safe and ready.

Don’t keep child education corpus in equity now.

? Retirement Planning Outlook
– Rs?2?crore goal in 15 years is achievable with Rs?16k/month SIP.
– You must increase SIP every year.
– Even a 5–10% increase can improve returns.
– Your EPF/PPF can also support retirement corpus.

Combine mutual funds with PF benefits for better retirement readiness.

? Insurance Protection Review
– No mention of term insurance.
– Buy Rs?1 crore term plan now.
– You have 2 kids and a home loan.
– This is non-negotiable.
– Premium is low if taken early.

Separate protection gives peace of mind to family.

? Importance of Annual Review
– Fund performance needs yearly check.
– Some funds may need to be changed.
– Risk appetite may change.
– Goals may shift.

Annual check with Certified Financial Planner keeps your plan healthy.

? Final Insights
– Reduce the number of funds to avoid overlap.
– Exit index, ETF, and sector funds.
– Focus only on actively managed, diversified equity mutual funds.
– Make separate SIPs for each goal.
– Continue home loan EMIs, avoid prepaying.
– Build emergency fund now.
– Use regular mutual fund plans via CFP or MFD.
– Start term insurance immediately.
– Review fund performance and progress every year.

You have a solid start. A clear structure and consistent investing will achieve both your goals safely.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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