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Ramalingam Kalirajan  |699 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 30, 2023

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Samir Question by Samir on Mar 29, 2023Hindi
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Sir, I want to invest 1 lakh through lumpsum investment for 15 years. What will be the final amount after maturity and in which stock should i invest.

Ans: Hi Samir,
Instead of investing in a single stock, you can invest in a well-diversified equity fund. It will derisk your investment considerably by diversification.

In the longrun, it is expected to deliver 12% CAGR.
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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After working in USA for 8!yrs,purchased villa,car there,greencard cleared 2nd stage,I came to India in 2008 to get married and go back to USA. I was working in trivandrum as a IT professional and company which had partnership with company in USA, gave me time to get married and afterwards had plans to send me to USA , transfer to my parent company and process my greencard for 3rd stage. Through a marriage broker from my native place davanagere, I was married to a woman from gulbarga.her health was not good from day one and her parents going thru divorce. Her father instead of giving divorce to her mother,locked her in a compound in gulbarga with dogs and did not allow her to go out of compound for years and she passed away in 2013.even though a daughter born to my wife,me, daughter has heart surgery in 2011 and doctors suggested a surgery for wife. After wife's mother passed away in 2013,her father kidnapped my daughter,wife and did not allow them to come back and also had a ex parte divorce filed from my wife. I have been receiving news that my daughter was attacked in gulbarga compound in 2020 and passed away.but it could not be confirmed. My 35+ visits to gulbarga did not yield a visitation to my daughter. My lawyers in Bangalore, gulbarga suggested me to find a new woman and get married since 2020. Even though while I worked in Honeywell since 2016, I found a good woman, relationship could not be pursued. However since 06/2018,I am free to pursue a woman and get into relationship/marriage. I am staying alone since 6+ yrs in Bangalore,I have no wife/girlfriend living with me. I also do not have any kids living with me. It will take some time to find a woman and get married (my father,uncle passed away in last 3 yrs and my mother is in late 70s and no one helping me to get married). 2 weeks back I was invited to attend a jewellery shop inauguration at Kadapa AP which was attended by Telugu actress Sreeleela. She also performed a dance which I am very impressed. I saw her several videos and daily watch her many songs.She is in the right age, very rich and if she gets into relationship with me,it will solve all my problems and I will also support her in her career ie acting plus doctors job and it will be a win-win scenario. I do not have her direct contact info nor there is a coordinator who will coordinate between us.pleqse advise further on how to proceed further
Ans: Dear Guru,
I am truly sorry to hear of the hardships that you have faced.
Instead of living in a dream world, why not instead focus on going the usual route of finding someone who is like-minded and shares the same value systems as you?
And what is this statement that if you marry this actress, all your problems will be solved? Does she want to solve your problems or do you think she is waiting to marry you and solve your problems? Please step out of this dream world, get real!

I suggest that you rebuild your life sensibly and eventually if the right person also is interested in you (if she's a celebrity, then Congratulations), then move on with life by chalking out the path realistically. The person you look for must also align with your life's goals and your values...focus on this...

And sorry if this is going to sound rude to you: This platform is not for people to request Gurus to find out numbers of celebrities or their managers BUT for people to reach out to Gurus who can guide them with their life's challenges.

All the best!
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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.

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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.

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

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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!

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