hi, Im investing monthly around Rs 12.5K in MF, as per the following - Canara Robeco Small capMF - Rs 2.5K, PGIM Mid cap oppurtunities - Rs 2.5K, Tata Digital - Rs 2.5K, Quant Active - Rs 5K. I am intending to increase monthly investment in MF from present Rs 12.5 k to Rs 50K & needed a corpus of at least 1.25 Cr in next 10 years. can you check my portfolio & suggest for any changes or the same appears to be in order

Ans: Hey there,

Navigating setbacks in life is like sailing through stormy seas - challenging, but certainly not impossible. While it's natural to feel disheartened after experiencing setbacks in exams like UPSC and NEET-UG, remember that every storm eventually passes, leaving behind valuable lessons and opportunities for growth. Here are some compass points to help you navigate through this rough patch and reignite your motivation:

1. Embrace Failure as a Stepping Stone: Failure is not the end of the road; it's merely a detour on the journey to success. Instead of dwelling on your past attempts, view them as stepping stones towards your ultimate goal. Reflect on what went wrong, identify areas for improvement, and use these insights to chart a new course forward.

2. Reframe Your Perspective: It's easy to succumb to self-doubt and negative thoughts, but remember that setbacks are temporary setbacks, not reflections of your worth or capabilities. Reframe your perspective by focusing on your strengths, achievements, and the progress you've made thus far. You're not defined by your failures; you're defined by how you rise from them.

3. Set Realistic Goals: Break down your ultimate goal into smaller, manageable milestones. Set realistic and achievable targets that allow you to track your progress and celebrate small victories along the way. By focusing on incremental progress, you'll build momentum and regain confidence in your abilities.

4. Seek Support and Guidance: You're not alone in this journey. Lean on your support system - whether it's your family, friends, mentors, or counselors - for guidance and encouragement. Sharing your struggles with others can provide valuable perspectives, insights, and emotional support to help you navigate through tough times.

5. Explore Alternative Paths: Remember that success doesn't have a one-size-fits-all formula. If your previous attempts didn't yield the desired results, consider exploring alternative career paths or educational opportunities that align with your interests and strengths. Keep an open mind and be willing to adapt and pivot as needed.

6. Practice Self-Compassion: Be kind to yourself during this challenging time. Treat yourself with the same compassion and understanding that you would offer to a friend facing similar circumstances. Practice self-care activities that nourish your mind, body, and soul, whether it's pursuing hobbies, exercising, or practicing mindfulness.

7. Stay Persistent and Resilient: Remember that success often requires perseverance and resilience in the face of adversity. Stay committed to your goals, and don't let temporary setbacks derail your long-term aspirations. Keep moving forward with determination and unwavering belief in your ability to overcome challenges.

In the words of Winston Churchill, "Success is not final, failure is not fatal: It is the courage to continue that counts." So, muster up your courage, dust yourself off, and embark on this journey with renewed vigor and optimism. Your brightest days are yet to come!

Wishing you strength, resilience, and boundless success on your path ahead!