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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 02, 2024

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Suman Question by Suman on Dec 21, 2023Hindi
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Relationship

Sir I know. My wife too know this and she is too supporting me to come out. But I madly love her. I tried to discontinue all contact many times but every time she tells u are my best friend...bla bla. She told me that she has been physical with 3 college friend and 2 colleagues of her and her husband. For her husband promotion, she slept with his boss too. Inspite of knowing all these, I love her. I had not been in any physical relationship with her.tried everything including meditation.

Ans: Dear Anonymous,
I am glad you came clean to your wife and she is helping you come out of this mess. I am sure you know this, but still, I'd like to point out that you are a lucky man to have a partner such as your wife. Focus on that.

You might be in love but you are also married and that makes your love unethical. And meditation does not help in all things, and it's a tough feat to achieve. I suggest you see a marriage counselor or seek therapy yourself. There's no shame in seeking help. You left your concerns and questions here for me, and that's seeking help too. That is a good start. Now I recommend you see a professional who can help you with structured guidance. Before your marriage falls to pieces, I highly recommend taking proactive steps. Sometimes we can't do it alone and that's when licensed therapists come in. Please think about seeing one.

Best Wishes!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Jan 13, 2022

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Dear Love Guru, My wife and I are in an arranged marriage since around 15 years and there is nothing that we celebrate about our relationship, except kids which are the only reason for our existing relations. I am working abroad and have visits for a month on vacation after every couple of months. After marriage, I noticed my wife’s flirting behaviour with strange men (to seduce) during many occasions but initially ignored it. However, I found it frustrating when I felt her to be habitual flirter. I then spoke to her, which was after around 2.5 years of our marriage, and she denied the matter. Soon noticing such perpetual habits about her, we went on for non-talking terms some time and then a storm broke out in our house. My parents and her parents supported her, since I couldn’t prove any of her behaviour. She has been lying since her behaviour was noticed and even after that, but my love for her and my child (at that time) made me feel that probably that I need to avoid any suspicious behaviour. Such storm was repeated even recently few years earlier. I had thought my idea of a second child would improve our relations, but it hasn’t helped. I could still notice her flirting behaviour with strangers and even with known personnel including my relatives. I even believe her to be in relationship with one of my cousins, based on my observations of their behaviour during our every meet, which I cannot speak of due to my previous experience and which will otherwise definitely terminate our relations. Actually, we are never on good terms these days whenever I visit home and mostly converse only if required. We are also not good in bed and I have also been feeling a low erectile in bed these days. These moments have affected me psychologically and I feel very negative about our relationship. My family remains my priority and I have been trying to see that we all are all happy as a family. I have even sacrificed my own family time for better earnings so that my family can get all the best in life. She takes good care of the children and manages the house nicely. I also ensure that we, as a family, go out on long journeys for travel and my children are everything for me. I have trying to cope up with all this by focusing on work and socialising with friends to the best extent possible. However, her behaviour (in spite of my presence) makes me feel negative. How can I deal with the matter since any re-attempt on my part to speak on the same matter, even if cordially, with my wife will create another storm like earlier? I wish to sort out the differences and need your advice. Should we meet a counsellor separately on this to sort out the matter? Keep me anonymous and respect my privacy.
Ans:

You’ve been sweeping the same issues your marriage has faced from the very beginning under the carpet for 15 years. Why?

And instead of addressing the issues, you decided to go ahead and have a second child?

Having a child is a joy in itself, but it is never the solution to marital woes; in fact, in most cases it only exacerbates the problem.

From everything you’ve told me, you seem to come across as an insecure husband.

I’m not saying that what you’ve told me is untrue, but you keep suspecting your wife of flirting with random men and have no proof of it.

Both sides of the family support her and let me tell you, unless she is a master of deception, no one can conceal their true nature so well from everyone else for the better part of two decades.

Maybe what you construe as flirting is simply her being friendly? Maybe you’re just not comfortable with the manner in which she interacts with other men?

Have you ever managed to prove her inappropriate relations? And when you accuse her, she blows up at you... a guilty party would not react in so volatile a manner.

I do think marital counselling is in order. And yes, maybe separately at first and then together.

Contact a good therapist and do it sooner rather than later... 15 years has been long enough!

 

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 12, 2022

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HI ANUNice to contact you. I need your advice. Hope you can help me.We have been married for 22 years (arranged marriage). For the last 10 years we have some family dispute between my mother and wife.She used to hate me for the same. Moreover she didn’t have any interest in love and sex. She used to sleep in another bedroom. We live together with my son. She is housewife and completely involved in upbringing of my son. Six years back I was attracted and had affair with one of my colleagues. Once my wife come to know about our affair, she created too many problems. She became mad. She abused me verbally and physically. I stopped the affair, changed my job and location. I apologised and changed. I obeyed her. You can say I was a slave to her. In the meantime we never used to sleep together. I was afraid of her abuse so I never asked her for sex or love. She never asked me too. We live together but no love, no sex. Two years ago she told me that she has an affair with a guy from Facebook and they both had sex. That friend used her physically and financially. He had multiple affairs along with my wife. Now he forces her for the relationship. I talked to him and asked him to stay away. At the same time, I was shocked. My wife who completely hated sex and love had an affair with unknown guy. Again we had problems and arguments.If only she’d loved me neither of us would have had an affair.Problem is I can't digest this. I can't sleep at night. I was not physical with my friend. But my wife suspected in her mind and ruined our life. What to do? Shall I seek divorce? Should I consult a therapist to forget everything? Please guide me.
Ans: Dear PP,

If life were that simple enough, why would we be facing challenges at all?

You think if she had loved you, none of this would have happened. You choose to see it from your point of view which is understandable.

What if you take the effort to find out what made her lose interest in you and the marriage?

Women are wired differently from men when it comes to sex. It can be enveloped in emotions and when she is going through an emotionally challenging time (with your mother), it might have been hard for her to be physically close with you.

Did you consider ever resolving the situation between them?

Did you ever ask your wife: “What can I do to help your situation?”

Did you ever find out from her what made her distant from you?

It may sound harsh, but we are talking about much water under the bridge.

If you go on to blame her for cheating on you, when you could and you didn’t, well, it’s not a string place to start if you want to save your marriage.

Do you both want to reconcile and rebuild the marriage?

Communicate, as that’s something that has broken down between the two of you.

It takes two to build a marriage and two to break one. So, time to reflect and look ahead as to what can be done based on what the two of you choose to do.

As far as you not being able to reconcile with the thoughts of her being involved with another man, I suggest before you approach your wife to remedy the situation, kindly settle this thought else tempers are going to fly and things will go from bad to worse. So BREATHE and NOW sit calmly to reflect and act.

All the best!

(more)
Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 28, 2023

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Sushil

Sushil Sukhwani  |323 Answers  |Ask -

Study Abroad Expert - Answered on Apr 27, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Good morning sir, my daughter is in btech. ECE final semister, can I send for ms in abroad, or any job related courses in India, my daughter also not much intrested to go abroad. Kindly suggest better way.
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am glad to hear that your daughter is pursuing the final semester of her Bachelor of Technology in Electronics and Communication Engineering. To answer your question first, I would like to tell you that we only deal with overseas education. Yes, you can definitely send your daughter abroad to pursue her Master's. I would like to tell you that owing to their renowned universities, top-notch education, and vast array of opportunities, a number of countries are well-known for pursuing Master of Science (MS) degrees abroad. With its vast array of top-tier universities and research centres, the USA continues to be a sought-after destination for pursuing MS programs spanning different disciplines. Likewise, a number of international students are also drawn to countries viz., the UK, Canada, Germany, Australia, and Switzerland owing to their cutting-edge academic programs, culturally diverse settings, and significant focus on innovation and research. You would be glad to know that MS students are offered distinct advantages and opportunities in these countries, in turn, making them highly popular destinations for individuals looking for further education overseas.

As mentioned by you, if your daughter is not interested in pursuing a Master's abroad, I would suggest that she looks into other possibilities that best resonate with her interests and professional objectives. Post finishing her Bachelor of Technology (B.Tech) degree, she could think about acquiring professional experience via internships or entry-level work in her field of interest. Gaining this practical experience can prove beneficial for her career growth and may help her determine her professional path. In order to improve her abilities and credentials without committing to a full-time Master's program overseas, she could also look into advanced certifications or specialized courses. Lastly, I would suggest that you motivate your daughter to investigate these possibilities and assist her in discovering her true calling, which in turn, could result in a gratifying and prosperous professional path.

For more information, you can visit our website.
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Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2024

Anu

Anu Krishna  |825 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 27, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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? rediff.com Rediff Gurus Logo Hi Anwesha | Sign Out HealthHealth MoneyMoney RelationshipRelationship CareesCareer Ask your questions about health, money, relationship or careers here Ask Anonymously You posted: My boyfriend's ex happens to be his sister-in law's sister (first cousin). That was his first serious relationship and she had dumped him. It has been quite a few years since, but it bothers me that he is indirectly still related to her. My boyfriend's sister-in-law has a daughter (his niece) whom he loves very much. But whenever he talks to his sister in law or plays with the kid, it makes me uncomfortable. I am broadly uncomfortable with the fact that he is the uncle to the same kid his ex is aunt to. Which means they are somewhat familialy related. I have seen his ex post videos of the kid playing around in his house, which means she still gets regular updates about his household through her sister (his sister-in-law). I really don't want to get into something this complicated, but I love my boyfriend very much. He also loves the kid a lot which makes me hate myself for projecting my hate on the kid/sister-in law because they're not at fault. But it really bothers me whenever I hear the kid's voice or his sister in law's because that reminds me of his ex. I feel extremely insecure and uncomfortable and I don't know how to deal with this, but I really want things to work out between my boyfriend and me. What is the solution?
Ans: Dear Anonymous,
Well, this feeling ain't going away that soon as you are bordering on obsession possibly without reason.
Jealousy leading to insecurities and constantly monitoring him is only going to make it worse on you...so either you trust him or you don't...which is it going to be?
Has he given you any reason to doubt him OR is it only your fear and hate fueling it? If it's the ex coming along and bringing with it all the fears inside of you, then work at it before you make this really ugly and now it's in your hands.
Jealousy is a normal human emotion BUT how you deal with it is a choice you are going to have to make. So, start to reassure yourself by saying that it's all okay and good. Challenge your thoughts every time they crop up so that it doesn't grow large enough for you to start projecting. Talk to your boyfriend requesting him to be more patient with you if at all you snap at him for anything. But not for long as he will run out of patience.
If there is nothing going on between him and his ex, why is it taking you so much to trust him? More than a love, a relationship needs trust and understanding. Pour these into it and not only will you feel better, your boyfriend will also be more supportive of what you are going through. Trust or not; it's your choice!

All the best!
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Ramalingam

Ramalingam Kalirajan  |906 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi Kirtan, I am 45 now. I am looking for a pension plan. I can invest upto Rs 5000 per month. Should I go in NPS or LIC? What are pro and cons for both?
Ans: Considering your age and investment amount, NPS (National Pension System) could be a preferable option over LIC for a pension plan. Here's a breakdown of the pros and cons of each:

NPS (National Pension System):
Pros:

Flexibility: NPS offers flexibility in choosing investment options, including equity, corporate bonds, and government securities, allowing you to tailor your portfolio based on your risk tolerance and investment goals.
Tax Benefits: Contributions to NPS are eligible for tax deductions under Section 80C, with an additional deduction of up to Rs. 50,000 under Section 80CCD(1B). Additionally, partial and lump-sum withdrawals are tax-exempt up to certain limits.
Low Cost: NPS has a relatively low-cost structure compared to traditional pension plans, with competitive fund management charges.
Cons:

Lock-in Period: NPS has a lock-in period until retirement age, with limited withdrawal options before that. Early withdrawals are subject to restrictions and penalties.
Market Risk: Since NPS invests in market-linked instruments, such as equities, there's a level of market risk involved. Returns may fluctuate based on market performance.
Limited Annuity Options: The annuity options under NPS may be limited compared to traditional pension plans offered by insurance companies like LIC.
LIC (Life Insurance Corporation):
Pros:

Guaranteed Returns: LIC pension plans typically offer guaranteed returns, providing a sense of security and predictability in retirement income.
Death Benefit: Some LIC pension plans come with a death benefit, ensuring that your nominee receives a lump sum or annuity in case of your demise.
Wide Range of Annuity Options: LIC offers a wide range of annuity options, allowing you to choose a plan that best suits your retirement needs and preferences.
Cons:

Lower Flexibility: LIC pension plans may offer limited flexibility compared to NPS in terms of investment options and withdrawal flexibility.
Higher Costs: Traditional pension plans from LIC may have higher costs compared to NPS, including administration charges and agent commissions.
Limited Tax Benefits: While premiums paid towards LIC pension plans are eligible for tax deduction under Section 80C, the overall tax benefits may be limited compared to NPS.
In conclusion, NPS tends to offer more advantages over LIC for a pension plan, given its flexibility, tax benefits, and lower costs. However, considering the potential advantages of mutual funds over NPS in terms of flexibility and potentially higher returns, you may also explore mutual fund options for your retirement planning
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Ramalingam

Ramalingam Kalirajan  |906 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I am 63 years old.Yearly pension 6.50 lacs Annual interest from bank deposits 5.50 lacs ( Bank deposits Rs.60 lacs). Monthly pension is sufficient to meet expenses since my children are settled.How to redeploy the bank deposit to maximize income
Ans: Given your stable pension income and surplus from bank deposits, optimizing your investments for higher income while maintaining liquidity and minimizing risk is crucial. Here's a strategy tailored to your needs:

Fixed Income Investments: Consider allocating a portion of your bank deposits to fixed income instruments such as Senior Citizen Savings Scheme (SCSS), Post Office Monthly Income Scheme (POMIS), or Tax-free Bonds. These instruments offer regular income with relatively lower risk compared to equities.
Debt Mutual Funds: Invest a portion of your bank deposits in debt mutual funds with a focus on short to medium-term duration funds or monthly income plans (MIPs). These funds offer the potential for higher returns compared to traditional fixed deposits while maintaining liquidity and capital preservation.
Dividend-Paying Stocks: Explore investing a small portion of your surplus in dividend-paying stocks of stable companies. Focus on sectors with a history of consistent dividend payouts, such as utilities, consumer goods, or pharmaceuticals. Dividend income can supplement your pension and bank interest income.
Systematic Withdrawal Plan (SWP): Consider setting up a systematic withdrawal plan (SWP) in debt mutual funds or balanced funds to generate regular income while preserving capital. SWPs allow you to withdraw a fixed amount periodically, providing a steady stream of income similar to an annuity.
Emergency Fund: Ensure you maintain an adequate emergency fund equivalent to 6-12 months' worth of living expenses in a liquid and easily accessible account. This fund will provide a financial cushion in case of unforeseen expenses or emergencies.
Tax Considerations: Evaluate the tax implications of your investment choices, especially considering your current income sources and tax bracket. Optimize your investments to minimize tax liability while maximizing post-tax returns.
Consultation: Seek guidance from a Certified Financial Planner or investment advisor who can assess your specific financial situation, risk tolerance, and investment goals. They can help design a customized investment strategy tailored to your needs and objectives.
By diversifying your investments across fixed income instruments, mutual funds, dividend-paying stocks, and maintaining an emergency fund, you can maximize income while ensuring capital preservation and financial security in your retirement years.
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Ramalingam

Ramalingam Kalirajan  |906 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi. I am currently living in India and have received a job offer from Dubai. As I plan to shift, I needed to understand some nuances about managing my SIPs, Equity Holdings and EMIs in India. I have following: 1. 80K SIP in 2 DSP Funds and 2 Quant Funds 2. 70K EMI for a home loan 3. About 1Cr equity holding in a demat account Once I move, I will let my flat out on rent. Wanted to understand following: 1. For rent collection, EMI, SIP etc what account is advisable? NRE or NRO? For EMIs, SIPs etc I will have to transfer money from overseas account to Indian account 2. For SIPs - I will have to change my existing account to an NRE/NRO account as well? 3. Demat holdings - is there a separate category of demat accounts for NRIs?
Ans: Moving to Dubai while maintaining financial commitments in India requires careful planning. Here's a breakdown of considerations for managing your SIPs, EMIs, and equity holdings:

Account Choice: For rent collection, EMI payments, and SIP investments, opening an NRE (Non-Resident External) account is advisable. NRE accounts allow you to repatriate funds freely, making them suitable for managing finances while abroad. However, for domestic transactions, you can also consider an NRO (Non-Resident Ordinary) account, which has restrictions on repatriation but facilitates local transactions.
SIP Management: You'll need to transition your existing bank account linked to SIPs to an NRE/NRO account to facilitate seamless fund transfers from your overseas account. Ensure you inform your mutual fund provider about the change in bank details to avoid any disruptions in your SIPs.
EMI Payments: Similarly, you'll need to link your home loan EMI payments to your NRE/NRO account for smooth transactions. Set up standing instructions or auto-debit mandates to ensure timely EMI payments while you're abroad.
Demat Holdings: As an NRI, you can hold equity investments in India through a designated NRI demat account. You'll need to convert your existing demat account to an NRI demat account to continue managing your equity holdings seamlessly.
Tax Implications: Be mindful of tax implications both in India and Dubai. Consult with a tax advisor to understand your tax obligations in both countries and optimize your tax planning strategies.
Legal Compliance: Ensure compliance with RBI regulations and other legal requirements concerning NRI investments and remittances to avoid any regulatory issues.
Communication: Maintain open communication with your banks, mutual fund providers, and brokerages to update them about your NRI status and ensure smooth transition and management of your financial affairs.
By proactively addressing these considerations and seeking guidance from financial advisors and legal experts, you can effectively manage your financial commitments in India while pursuing opportunities abroad.
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Ramalingam

Ramalingam Kalirajan  |906 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Feb 18, 2024Hindi
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i want to open in mutual fund nfo.which will be better for me. canara robecco manufacturing fund or Edelweiss technology fund i already have 10k in ratia 5:3:2 in zerodha elss taxsaver nifty large midcap 250index,quant infrastructure fund,aditya birla sunlife psu equity fund
Ans: When choosing between mutual fund NFOs like Canara Robeco Manufacturing Fund and Edelweiss Technology Fund, it's essential to consider various factors such as your investment goals, risk tolerance, and portfolio diversification.

Canara Robeco Manufacturing Fund: This fund focuses on investing in companies operating in the manufacturing sector. It aims to capitalize on the growth potential of manufacturing companies and may be suitable if you're bullish on the manufacturing sector's prospects. However, it's essential to assess the fund's investment strategy, track record, and the outlook for the manufacturing sector before investing.
Edelweiss Technology Fund: This fund focuses on investing in technology-related companies, which may include IT services, software, hardware, and internet companies. It aims to benefit from the growth potential of the technology sector, which has been experiencing rapid innovation and expansion. If you believe in the long-term growth prospects of the technology sector, this fund may align well with your investment objectives.
Considering your existing investments in ELSS, index funds, and infrastructure funds, adding exposure to a specific sector like manufacturing or technology can provide additional diversification to your portfolio. However, it's essential to evaluate the concentration risk and ensure that the sectoral allocation complements your overall investment strategy.

Before investing in any NFO, thoroughly research the fund's objectives, investment strategy, fund manager's track record, and expense ratio. Additionally, consider consulting with a Certified Financial Planner to assess how the NFO fits into your overall investment portfolio and whether it aligns with your financial goals and risk profile.

Remember to stay focused on your long-term investment objectives and avoid making investment decisions solely based on short-term market trends or NFO hype. Diversification, thorough research, and disciplined investing are key to building a successful investment portfolio over time.
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Ramalingam

Ramalingam Kalirajan  |906 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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I am 36 year old, I don't have any loan. I don't have any savings till now. But I want to start, I am able to save 30000 monthly. Please suggest how can I invest.
Ans: Starting to save and invest at 36 is a commendable decision, and with a monthly savings of 30,000, you have a great opportunity to build a solid financial foundation for your future. Here's a suggested approach to get started:

Emergency Fund: Begin by setting aside some of your savings into an emergency fund. Aim to accumulate at least 3 to 6 months' worth of living expenses in a liquid and easily accessible account. This fund will provide you with a financial safety net in case of unexpected expenses or emergencies.
Debt Management: Since you don't have any loans, focus on avoiding debt and maintaining a healthy credit score. If you do have any high-interest debt, such as credit card debt, prioritize paying it off as soon as possible to avoid unnecessary interest payments.
Investment Allocation: Determine your investment goals, risk tolerance, and investment horizon. Since you're starting relatively late, consider a balanced approach to investing with a mix of equity and debt investments. Given your age, you may have a longer investment horizon, allowing you to take on more risk for potentially higher returns.
Systematic Investment Plans (SIPs): Consider investing in mutual funds through SIPs. Mutual funds offer diversification and professional management, making them suitable for beginners. Allocate your investments across different categories such as large-cap, mid-cap, and multi-cap funds to spread risk and maximize potential returns.
Retirement Planning: Start planning for your retirement by investing in retirement-oriented funds like Employee Provident Fund (EPF), Public Provident Fund (PPF), or Voluntary Provident Fund (VPF). Additionally, consider investing in Equity Linked Savings Schemes (ELSS) for tax-saving benefits while building a retirement corpus.
Continuous Learning: Take the time to educate yourself about personal finance and investment strategies. Attend workshops, read books, and follow reputable financial websites to enhance your knowledge and make informed investment decisions.
Regular Review and Adjustment: Regularly review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. As your financial situation and goals evolve, make necessary adjustments to your investment strategy accordingly.
By following these steps and staying disciplined in your savings and investment approach, you can gradually build wealth and work towards achieving your financial goals. Remember, consistency and patience are key to long-term success in investing.
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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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