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Nikunj Saraf  |308 Answers  |Ask -

Mutual Funds Expert - Answered on Mar 18, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more
Samrat Question by Samrat on Feb 27, 2023Hindi
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Hi, I am 27 now and want to start a SIP. I want to achieve 15 Lakhs in 4 years. Please help me in which MF, I should start investing and what is the percentage ratio. My salary is around 50k per moth.

Ans: Hello Samrat. I would suggest to start a monthly sip of 20-25k to achieve a goal of 15 Lakhs in 4 years. In accordance to your requirement , I would recommend to invest in categories like Balance Advantage , Large cap, Large & Midcap and Flexicap etc.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hi mam, I am 40 yrs old. I was divorced 10 yrs ago and since then I never married again. I have been changing my jobs very often and my mind is not Steady. I am not happy at my job and I feel it's my mindset as I frequently get angry, hyper and make rash decisions. I have zero savings and don't own any assets. But all my friends, relatives and colleagues are well settled and enjoying their life at this age.. this is depressing me and I don't know how to over come this ? In the past 3 years I have fallen in love with one of my far relative and both us love each other very truly. She understands me like no other and knows everything and aspect of my life. She is 15 yrs younger to me but she doesn't care about it and wishes to marry me. I feel actually lucky to be loved by her that much. The main problem is that we recently got to know that she becomes my daughter ( cousin brother's daughter ) if we see the family tree side relationship. Though she is not blood brother's daughter but she is some one in the relative side. Both of us discussed about this but both of us love each other so truly that we don't wish to let go each other and marry. Please suggest.
Ans: Dear Anonymous,
Are you writing to me to know how to handle the anger issues or whether you must marry this person you have mentioned about?
Anger and impulsiveness stems from the way you have conditioned yourself to handle situations. There is enough and more content on prominent websites that guide you through this whereby you teach yourself to calm down and act in a well-thought out manner.
On the topic of this lady who happens to be a distant relative, you do need to understand the impact this will have medically on children should you decide to have children later...if you have discussed all this in detail and you two know that the marriage can help you grow and evolve, well...you know what to do.

All the best!
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Anu

Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Relationship
Dear Sir - This is a very peculiar situation I am in. The food cooked at my house is on a very large scale. A major portion of it goes into the garbage bin. Looking at it my mind goes for a toss but other members dont even feel ant-pinched. By others I mean my wife, and her both parents. This happens only when my mother-in-law visits my house. She immediately takes control of the kitchen and the cooks employed by us. She makes them cook large portions of meal which is almost twice the quantity for a small family like ours. She leaves very little room for feedback from any corner - wife, cook or myself. When my wife was away, I tried to give her a feedback to reduce the portions or cook in accordance with the mood to eat. She had completely taken the feedback against her favor. I could also sense an elephant sized ego taken over. She had taken it too personally and complained against me to my wife. Many times I feel the food lacks variety. It is understandable that they come from a region where they developed liking to certain style of cooking. But our lifestyle is different and mostly sedentary, so we developed a kind of cooking that suits us. Again she is against this philosophy. Summer or winter it is just her way. Loads of white rice, loads of dals, loads of pickles. We are sometimes tempted to different flavours (Biryanis, Pizzas etc). This is just once in 2 or 3 months. When we plan to place an order, she sticks to her strategy of cooking large meals as usual. It pains to see the food going into garbage bin. We will cancel the plan. Sometimes even looking at such large portions makes us throw up. Again that is not an option as we try to be respectful. Although our lives are very personal, there are certain occasions when we can't help inviting PPL. Even if it is a matter of 10 or 15 days, it becomes painful to see all the food wasted and PPL are totally unaffected by it.
Ans: Dear Anonymous,
Your home, your rules and if anyone has a problem with it even if its your in-laws, kindly put your foot down.
Of course, also note that at times people from the previous generation have a way of showing love through cooking large quantities of food; but if wastage is the sore point; be firm about it even if it means that it is going to hurt their sentiments. Sooner than later they will realize that it's not about you but what you are comfortable with and the issue will slowly become a non-issue.

All the best!
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Anu

Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Relationship
I am 39 years old and so is my wife. We have 09 year old daughter and 01 year old son. We both have undergone mental trauma due to family negativity and did'nt get my share of property from my father, not even a penny. And due to this stress, my daughter got skin irritation since birth and my wife got fungal infection near thighs from last few years. We are truly upset, still living in rented accommodation. And due to these circumstances, there is lot of shouting and pain at home. I am in need of PEACE but no respite. Hence, sex become obsolete in my life, my wife never interested in this, we have done only few times in last 05 years, rarely. Please advice, how can there be Peace at home and live a happy life emotionally and physically?
Ans: Dear Anonymous,
When life feels like an unfair treatment, the only way to come out of all this is to ACCEPT things for the way they are. I suggest this only because fighting for your rights and property may just become a nice preoccupation for you. Are you interested in hiring a lawyer to fight the case, then do it...
You daughter becoming ill is something that you and wife need to take responsibility for; whatever you are going through, why are your children bearing the brunt? Why are you letting all this reach them for no fault of theirs?
And that is why this preoccupation of yours about money, property has now begun to affect the children; stop before it gets worse...You want PEACE, then free yourself from this money obsession.
Know that the only property that makes your rich is good health and the love of your wife and children. Simply accept this and move on else you will spend most of your time chasing after things that may never find its way to you...Be wise about all this!

All the best!
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Anu

Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Relationship
Hello Anu Mam, I have a very close friend who s been married for 10 years and with 2 kids one 8 yr old daughter and a one year old son. His wife whom he loved and trusted so much has cheated on him with one of her friend for almost 3 years which he came to know about recently. He could not digest that ..He thought of divorcing her but thinking about his children's future he changed his mind and told her to end all communication with her affair partner .She too agreed . My friend didn't tell about this to anyone except me including her parents whom he respects a lot and hence didn't want to hurt them ...But after 3 months he came to know that his wife is still in contact with her friend using another phone without his knowledge and her affair also has not stopped . This time he said he couldn't tolerate and told this to her parents and told them that he would be filing for divorce. Her parents are begging him not to do so and telling him to give one last chance as they would mend her this time . He told them that even after giving her a chance to mend herself she has cheated him and broken his trust . He says he cannot live with her without trust . So he has decided to move on but his wife and her mother are telling they will have no other choice but to commit suicide if he doesn't forgive his wife. My friend says he is also worried about his children's future without their mother ...At the same time he says he cannot imagine living with his wife again as before after being cheated on twice...He is asking me to advise. I am totally confused . Kindly advice the pros and cons of 1)forgiving her once again and living in a trustless marriage 2)moving on and finding someone more trustworthy . 3) If he decides to marry another person how will this impact his children . Kindly help me to advise my friend suitably ..
Ans: Dear Anonymous,
1) Forgiving is never easy BUT if that's an option, then your friend and his wife will have to put it a lot of work in rebuilding the trust that is lost...which means a lot of putting things in the past and starting fresh, Will your friend be able to do this? This also will mean NOT bringing up what hurt the marriage and to focus on what can rebuild the marriage. Possible?
2) For a new relationship to blossom, one must first find closure from the previous one. Can your friend be able to do this?
3) The new person and the children will need a lot of time bonding with another. Also, your friend's ex-wife (if they divorce) will have her set of insecurities and objections if the new person and the children get closer. Will your friend be willing to take on these challenges?
It's wonderful that your friend has a great sense of support from you; so you can act as his sounding board to bring him back to reality and lead him to practical ways of dealing with it.

All the best!
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Anu

Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

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Hi sir I want your advice as I don't know what to do and how to handle I am in long distance relationship with a guy who is in navy since 3 years .He told to his parents about our relationship buy they rejected because off intercaste and all usko bhut kuch sunaya aur ba vo use bat bhi nhi kar rhe pichle 4 mahino se usko mumy use bat gak nhi kar rhi aur use ghar vale uske liye ladki bhi search karne lag gye taki shadi karva de khi aur Is bich vo mujhe ab distance bna rha dur ho rha mujhse dhere dhere mer khane par bat kar rha bs aur.bol rha ab Humara koi future nhi hai isliye acha hoga ab hum bag nhi kare but mai uske bina nhi rhe la rhi bhut buri halat ho rhi meri uske bina vo mer khane par bat kar rha kar vo bhut jyada preshna hai samj nhi aya rha kya karo kese thik karu sab
Ans: Dear Shruti,
Kya haasil hoga tumhe itna pareshaan hoke? Jab ladke ne faisla le hi liya hai ki woh apne maa-pitaa ki hi sunega, toh aise ladke se tumne shaadi bhi kar li toh khushi toh door, har chote se chote faisle bhi uske maa-pitaa hi lenge aur tumhe kabhi shaadi mein apne pati ki madad nahin milegi.
Toh agar woh tumhe door karne lagaa hai, toh yeh baat saaf hai ki woh tumhare liye ya tum dodno ke rishte se zyaada apne maa-pitaa ki baat hi sunega. Aise aadmi se sambandh badhaane se accha yahi hai ki tum apni zindagi jiyo apni tareeke joh kisi ke mohtaaj nahin hai...Apna future khud banao...Aur haan, zindagi toh chati hi rehti hai, bhale hi woh shaks tumahri zindagi ka hissa ho ya na ho...

All the best!
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Anu

Anu Krishna  |812 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 23, 2024

Asked by Anonymous - Apr 18, 2024Hindi
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Relationship
I had a relationship he cheated on me he took my virginity it's 7year relationship. Then I had a second relationship he also cheated me he need only sex . I trusted him that's why I'm okay to do that thing and he gave me promise that he only marry me i trusted his sweet words but he cheated me . Later I heard that he's a playboy. I feel like I'm useless. I truly loved them but their intentions was other stuffs. I'm a person who trust very easily but now I'm not . Will I get a future partner? If he knows my story will he leave me ? I'm not that bad person they cheated me I'm not like that . If I love someone I'll do anything for them .
Ans: Dear Anonymous,
Rather than just experimenting with your sexual life this way and attracting men who want just your body, why not focus on your strengths? When you base your self-esteem on how others treat you, you will always find yourself down and out and defeated.
Build character that hold you and your identity in a manner that you become a person that can overcome anything. For that, you need to stop throwing yourself at boys/men.
First discover yourself, build self-esteem that relies on your strengths and then venture into relationships so that heartbreaks are not so heavy but you understand it as part of growing up. Also, before indulging in sex, judge the situation and decide to go ahead only when you know that the person is safe for you and not someone who is using you. A real man will not USE you but will keep you safe and respect you as a woman.

All the best!
(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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