I am 49 years old. I have started investing in MF for a couple of years. Below is my portfolio. I can invest some more in SIPs. Please check and advise.

Fund	Plan	SIP Status
UTI FLEXICAP	GROWTH	Active
MOTILAL OSWAL FOCUSED 25 FUND	GROWTH	Active
ICICI PRUDENTIAL BLUECHIP FUND	GROWTH	Active
AXIS ESG EQUITY FUND	REGULAR GROWTH	Active
LNT INDIA VALUE FUND	REGULAR PLAN-GROWTH OPTION	Paused
KOTAK FLEXICAP FUND	GROWTH OPTION	Stopped
ADITYA BIRLA SUN LIFE FRONTLINE EQUITY FUND	GROWTH	Stopped

Ans: HI Jagrav,
No. I am not using CHATGPT.
I used to prepare what I wanted to communicate, and then I would rephrase it. If you are referring to rephrasing, that might be the case. However, I am not using ChatGPT; there are many platforms available. I do not respond with one-word answers because that would affect the readers' understanding. I need to elaborate, and to do that, I must use some tools.

The current generation tends to give one-word answers, but that is not possible for me. As a teacher, I need to provide detailed explanations. Similarly, when writing an article for publication, I prepare an outline to capture the main ideas. Once I have the essence of what I want to say, I will use a platform to rephrase it. After rephrasing, I must check for plagiarism; if there are more than 20% similarities, I will need to alter it again. I have become accustomed to this process.

The reason we use these tools is that, as you know, English is not my native language. My mother tongue often interferes with how I respond to queries. I know many of my students use platforms like ChatGPT and Quillbot to gather information. Unfortunately, they tend to submit their work without further analysis, which can make them lazy. They think the task is complete, but that is not true; ChatGPT does not analyze in depth.

Additionally, I prepare, review, and administer multiple-choice questions for competitive exams. In this context, I must utilize Bloom's Taxonomy. When using this method, I need to rephrase questions to ensure clarity for the students taking the exam, as otherwise, it may take them longer to think through the questions.

That’s all.