I booked a house from builder in March 2012 with basic price of Rs 30.89 lakh + gst of around 3%. I paid around Rs 12.37 lakh + gst by July 2012 and balance of Rs 18.52 lakh approx + gst by 31.05.2013 in equal monthly installments.

In March 2016, I paid EDC of approx Rs 1 lakh, Rs 1.43 lakh as freehold charges, stamp duty of Rs 2.27 lakh and registry charges of Rs 0.20 lakh aggregating Rs 35.79 lakh + gst.

Total cost including gst is approx Rs 37.00 lakh. The registry was executed in January 2017. Now, I expect to sell my property in September 2022 at a consideration of Rs 72 lakh. I have the undernoted questions:

1. Shall I get indexation benefit from the date of payments made to the builder or date of registry?

2. Do I need to open capital gains account or can I realise the sale proceeds in my regular savings account and invest the LTCG in the chosen bonds?
3. Do I need to deposit the entire sale proceeds in the notified bonds or only the LTCG after indexation and rest money utilize in whatever way I like without attracting tax? 
4. Will GST be included in the cost of acquisition of my property?

Ans: Dear Anonymous,
Why are we a part of a world that looks the other way in a jiffy? If you have a condition that makes sex a bit difficult, doesn't it make sense to actually handle the situation jointly as husband and wife?
Anyway, now that you say that your wife is ready to be lured by 'another', you have another battle on your hands. Make a strong move by actually connecting with her emotionally. Pay her compliments, plan trips together; you basically woo her back. On your end, do visit a doctor who can treat you holistically. You need to improve your stamina as some medicines bring down stamina and add fatigue. Exercise everyday and take care of your dietary needs very carefully. Sooner than later, you will find yourself back in the game; but be persistent with proper self-care.

All the best!

Ans: Hmmm lets simplify this, what would you tell your friend if she comes and tells you that she has met someone wonderful BUT his parents will not accept her and he will make no efforts to make it work...I am assuming you will tell her to put this relationship on hold for sometime...which means putting it on hold with no interaction, stopping all interactions - giving him space and time to think about it...do this for 6 months to 12 months, this does not mean dating someone else. Here he needs to find a solution, if he does its a win-win, if he does not then he may not be someone she may wish to be in a relationship with...and in the meantime you are likely to ask her to focus on her career. My response to your query will be on the same lines.

Ans: Hello

Well it's like saying I am doctor but don't like disease or patients.

Coding is life breat of software. Please ask your son to self introspect why he doesn't like coding, that may help him to overcome his dislike.

All the best.

Ans: Hello,

I'm sorry to hear about your wife's pain. The location you described, where the pain is at the point where the finger starts from the foot, could indeed be caused by various conditions such as corns or plantar fasciitis, as you mentioned.Corns are small areas of thickened skin that develop as a result of pressure or friction. They can cause pain and discomfort, especially when walking or wearing tight shoes. Plantar fasciitis, on the other hand, is inflammation of the thick band of tissue (plantar fascia) that runs across the bottom of the foot. It commonly causes stabbing pain near the heel or along the arch of the foot, but it can sometimes affect other areas of the foot as well.To determine the exact cause of your wife's pain and the best course of treatment, it would be advisable for her to visit a physiotherapist or a healthcare professional specializing in foot conditions. They can conduct a thorough examination, possibly including imaging tests if necessary, to make an accurate diagnosis and recommend appropriate treatment options. In the meantime, she can try some self-care measures to alleviate the pain, such as resting the foot, applying ice packs, wearing comfortable and supportive footwear, using over-the-counter pain relievers, and possibly using orthotic inserts or pads to reduce pressure on the affected area.I hope your wife finds relief soon.

Ans: The appropriateness of a 19,000 steps/15 km walk as a weight reduction strategy depends on various factors, including age, heart health, blood pressure condition, condition of knee ,hip and ankle joint . While physical activity is crucial for weight management, it's essential to ensure that the intensity and duration of the exercise align with individual health status and fitness levels.

For some individuals, a 19,000 steps/15 km walk might be perfectly manageable and beneficial for weight reduction, especially if they have a healthy heart and blood pressure. However, for others, such a vigorous exercise routine could be too strenuous and potentially harmful .It's always advisable to consult with a Physician and later Physiotherapist before embarking on any new exercise regimen, especially if you have underlying health concerns. They can provide personalized guidance based on your individual circumstances and help you find the right balance between diet control and physical activity to achieve your weight loss goals safely and effectively.

Ans: Hello,

Your portfolio seems to be well-diversified across different sectors and market caps, which is generally a good approach for long-term investing. Here are a few things to consider:

Performance History: Look at the historical performance of each mutual fund scheme over various time frames (1 year, 3 years, 5 years, and since inception). Compare it with relevant benchmarks and peer group averages to assess how well the fund has performed.

Fund Manager Experience: Evaluate the experience and track record of the fund manager. A skilled and experienced fund manager can significantly impact the performance of the fund.

Expense Ratio: Consider the expense ratio of each mutual fund scheme. Lower expense ratios mean more of your investment returns stay with you rather than being eaten up by fees.

Investment Strategy: Understand the investment strategy of each mutual fund scheme. Make sure it aligns with your risk tolerance, investment goals, and time horizon. For example, small-cap funds tend to be riskier but offer higher growth potential, while flexi-cap funds offer more flexibility in asset allocation.

Asset Allocation: Ensure that your overall portfolio is well-diversified across different asset classes, sectors, and market caps. Avoid overconcentration in any single fund or sector.

Risk Management: Assess the risk management practices of each mutual fund scheme. Look for funds with a disciplined approach to risk management and a focus on preserving capital during market downturns.
Fund House Reputation: Consider the reputation and credibility of the mutual fund house managing the scheme. A well-established and reputable fund house is more likely to have robust investment processes and governance standards.

Regular Review: Regularly review the performance and portfolio composition of each mutual fund scheme. Make adjustments to your portfolio as needed based on changes in your investment objectives, market conditions, and fund performance.
It's also a good idea to consult with a SEBI registered investment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

It's also a good idea to consult with a SEBI registeredinvestment advisor who can provide personalized advice based on your financial situation, goals, and risk tolerance. They can help you build a well-structured investment portfolio tailored to your needs.

Ans: Hello,

Continuing to invest through SIPs (Systematic Investment Plans) in a volatile market can be a prudent strategy for several reasons, especially in the context of the Indian stock market:

Rupee Cost Averaging: SIPs allow investors to buy more units when prices are low and fewer units when prices are high. This averaging effect can potentially reduce the overall cost of investment over time, mitigating the impact of market volatility.
Disciplined Approach: SIPs encourage a disciplined approach to investing by automating the investment process. Investors commit to investing a fixed amount regularly, regardless of market conditions, which can help avoid emotional decision-making during periods of volatility.
Long-Term Focus: Investing through SIPs is ideal for investors with a long-term investment horizon. While short-term market fluctuations can be unsettling, they are often smoothed out over the long term. By staying invested through SIPs, investors can benefit from the compounding effect and the potential for higher returns over time.
Opportunity to Buy Low: Volatility in the market presents opportunities to buy quality stocks at discounted prices. SIP investors can take advantage of these market dips by continuing to invest regularly, potentially enhancing their portfolio's overall returns when the market rebounds.
Diversification Benefits: SIPs allow investors to spread their investments across different market segments and asset classes over time. This diversification can help reduce overall portfolio risk and enhance long-term returns, even in a volatile market environment.
However, it's essential for investors to review their investment objectives, risk tolerance, and financial goals periodically, and consult with a qualified financial advisor to ensure that SIPs align with their overall financial plan. Additionally, investors should be prepared for short-term fluctuations and exercise patience during periods of market volatility.

Ans: Hello Vaibhav,

Firstly, it's essential to assess your investment goals, risk tolerance, and the suitability of the investment in your portfolio. The Motilal Oswal Nasdaq 100 Fund offers exposure to some of the largest and most innovative companies listed on the Nasdaq Stock Market, providing an opportunity for diversification and potential growth.

Considering you've been investing in the fund for the past six months, it's a good start to evaluate its performance against your expectations and the broader market trends. While short-term fluctuations are common in the stock market, analyzing the fund's performance relative to its benchmark index and peers can offer valuable insights.

Additionally, review the fund's investment strategy, portfolio composition, and expense ratio to ensure they align with your investment objectives and risk profile. Regular monitoring of your investments is crucial to adapt to changing market conditions and make necessary adjustments to your portfolio.

Ultimately, the decision to continue with your SIP in the Motilal Oswal Nasdaq 100 Fund should be based on your long-term financial goals, investment horizon, and comfort level with market volatility. If the fund continues to meet your expectations and remains in line with your investment strategy, it may be prudent to stay invested.

However, if you have concerns about the fund's performance, changes in your financial situation, or shifts in your investment objectives, it's advisable to reassess your investment strategy and consult with a qualified financial advisor to explore alternative options.

Remember, investing is a journey that requires careful planning, patience, and periodic review. I encourage you to stay informed, stay focused on your goals, and make decisions that align with your financial aspirations.

Ans: Hello

You have two skills L&D trainer and Music teacher which is a good advantage.

Suggest you explore offering your services through online channel and see where your heart is. Basis that you can decide which one you would want to pursue - L&D or Music or if you enjoy both you can pursue them together as well.

All the best