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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 13, 2023

Ravi Mittal is an expert on dating and relationships.
He founded QuackQuack, an online dating platform, in 2010 with just two people. Today, it has over 20 million users in India.... more
Asked by Anonymous - Jan 13, 2023Hindi
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Dear Ravi, I am single and new to dating apps. I have been chatting with two girls and recently realised that one of them is lying to me. I found her profile on another app and it says she is married. How do I confront this? Should I report or check with her directly?

Ans: Dear Anonymous,

I hear your worries, and let me tell you, lying is one of the most obvious red flags out there. If the woman you are chatting with has been misleading you, you should confront her about the same. But be polite in doing so. As for her being married, it is her personal choice to be dating even after being committed to someone else. But since it clearly bothers you, it is better you communicate the same to her.

Reporting an account comes into play when it's a fake or spam profile; it is not applicable when the person is faking their interest or lying to you. In your case, taking it up directly with her seems like the right way out. Let her know that you are on to her.

Though her being on another app also does not count as an offense, it, however, raises one more red flag. In my opinion, it is better you walk away with your dignity; there are many women out there who would be lucky to have you as their partner.

I know you will make the right choice.

Best wishes!

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 07, 2022

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Dear LG, Please don't disclose my name. I don't want to share my personal problems with others. I am 45 years old, married 13 years ago; my wife's age is now 38 years. I got two kids. My wife is pretty (she takes lot of care for her beauty) and I want to live simple. I kept faith on my wife so I didn't interfere in her life. From last four years, I am staying away from family (because of work I have shifted to other city, monthly once I go back , purchase everything, give money for expense and return to job). She keeps her mobile with security. Once, by mistake, I read her WhatsApp message. One of her office client was praising her pics and she was responding to him. So I told her, be official, don't entertain, if they fall behind you and we may face problem. She agreed but is doing the same thing and deleting his messages. Then I wanted to see what all things she does in WhatsApp. So her link I shared in my mobile and started reading her messages. She use to chat with one married person from last three years, she changed his name in her mobile and kept his wife's name. Three years back he proposed her with love song. My wife used to support him, sometimes she used to delete the messages. He knows all my family history. Whenever they get time, they used to talk each other in phone. Some messages I read, they were planning to meet also. She always come home very late, I didn't question her because I kept faith, but as I told you I have two kids in home. If she comes late, they are facing a problem (they stay alone until she comes back). Simultaneously she is chatting with another married friend. She says he is like a brother in front of me, but that person says baby, darling, dear, love, etc, in his conversation and forwarded some love songs and calling her for long drive. My wife replied some other day we will go. He replies, You always says same thing. I will become old one day. Then I was surprised and guided my wife indirectly. I told, don't entertain any person they may start to trouble you or if anybody troubling you please tell I will help you. We got two kids so we got lot of responsibility. She got a clue that I am reading her messages, so immediately she deleted all messages and after some days she deleted their numbers, along with that she deleted some other numbers also!  Why, I don't know. Once I told my son, beware, I can track you and tell where are you going and what are you doing. But from that day onwards, my wife is blocking her internet at 6 pm (when her office closes) and unblocking when she returns home. I am worried regarding this behaviour. I have stopped reading her messages now. But now I am feeling very uncomfortable because her behaviour is very soft with me, (previously she was very aggressive, she used to fight with me unnecessarily.) Please guide me how to handle the situation. What can I do now? Sometimes I feel I should leave everything go somewhere or is it a punishment for marrying a pretty girl? What to do? Please guide how handle the situation. Regards.
Ans:

So, in a nutshell, you think your wife was flirting behind your back, you dropped some hints and then she has either stopped, or then stopped you from spying on her phone.

First of all, why are you dropping hints to her instead of talking straight? Which husband is going to appreciate his wife being wooed by other men with all this darling-baby love talk?

Even if she’s not having an affair, the flirty behaviour is bound to make you uncomfortable. Don’t you think you should call her out on it instead of pretending like some other man is making her uncomfortable?

Clearly, she’s enjoying the attention!

You seem very timid and intimidated by your wife. And if her behaviour has changed toward you for the better because you suspect she is guilty of something, all the more reason to get to the bottom of it!

Stop playing games and pussyfooting around her. Do some straight-talking for a change instead of going behind her back and reading messages!

And FYI, being good-looking doesn’t give any spouse licence to make their partner insecure!

 

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 19, 2022

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Relationship
Hi Anu, I am 35, male. We had a love marriage seven years ago after being together for eight years in friendship. During our courtship, she was in other city in India for three years her higher education.There she befriended a guy, her college mate and eventually we broke up. I was hurt badly. In 2013 she messaged me and asked to marry her but I didn't respond on social media. She would message me every 5-6 months initiating a talk but I never responded. She was in a relationship with the guy while she was messaging me (I read her messages post marriage hence I know).She also had one or two guys interested in her where she had casual talk relationship also while she was not interested in marriage with the first guy from her college. Meanwhile she kept messaging me also between 2013 and 2014.Somehow we met in 2015 and got married. Lately I happened to read messages somewhere on social media about her intimate relationship with the first person (the reason we broke up ) and I was devastated to know that as she had promised she didn't have any relationship with the particular person as it was the first condition for marrying her.Recently I read her messages again with some old friend of her where she approached him and instantly got into intimate chat with him to the extent that she said she loves him and plans to go on a trip with him citing official trip since she works. I am stunned since then. She claims to love me and plans our future and everything but somewhere I sense something is fishy.My queries Should I trust her?Should I confront her?What to do if she plans to go on trip with him while lying to me and I know about it? Should I confront her before she goes on trip?If she says sorry after confronting how can I trust?
Ans:

Dear T,

The very fact that you have approached me, a total stranger on the topic of whether you can trust your spouse or not, simply means that somewhere you have lost trust in her.

The timelines are a little confusing to me and hence what I would say to you is that: Past is the past and what happens there and what people do is what they can in the best possible manner. So, do not bring the past into a present decision.

But if there are any parallel relationships brewing now that are threatening your mind and the marriage, kindly confront her calmly and with ample evidence in your kitty to produce in case she denies them. But make sure that the evidence that you have is all real with time stamps on it.

Do make sure that the confrontation is not for you to prove a point and score high but it comes from a place where you want to know where this marriage is headed.

This helps avoid unnecessary arguments and will help you both be in a solution space.

If she says sorry, you need to ask yourself, if you can move ahead placing trust on her again.

What must she do to gain your trust? State this clearly to her. Move on this quickly before it eats your peace of mind.
All the best!

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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 11, 2023

Asked by Anonymous - Sep 10, 2023Hindi
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Hi Anu, I am a 40 year old man (never married) who got in touch with a 39 year old woman on a matrimony site. On the site, her marital status was Never Married but as we chatted suddenly she told me about her first marriage that lasted for a month and now she has divorced that person due to dowry issue. I was taken back with this concealed information but continued to chat with her. One day, I happened to see a pic of her with her cousin brother on Instagram. There was a cake right in front of them that mentioned Happy Anniversary. I asked her about it. She first said it was for Birthday Anniversary. Then she said, the cake shop guy made a mistake and then she said that her cousin brother said 'Tumne bhai behen ka rishta ka ram naam satya hain kar di'. I'm confused now, is this cousin brother actually her husband only or cousin brother. After asking her about this, all she did was delete that pic from Instagram and she said it is her cousin brother only. I then asked her to show her divorce papers, she claims it is with her father in some locker and is confidential, so cannot be shared. She lives in Kolkata and I stay in Mumbai and to take things forward wrt marriage she wants to meet me at Kolkata but I'm confused with all this. Also, within few days of chatting with her she started calling me baby, she claims to have falled in love with me and also suggested we do foreplay when we meet. We've been chatting since 5 months on WhatsApp and I gradually have developed feelings for her. On phone we have spoken twice and we had a video call also once. Please advise on how can I proceed. Is she a fraud?
Ans: Dear Anonymous,
It's difficult to figure out people even when you live with them for years...online connections are something else!

Now that there is a seed of doubt, your mind will not be at rest until you find ways of pacifying your thoughts. Do make that visit to Kolkata and figure out for yourself by meeting her in a public place so that there is no chance of anything going awkward.

Ask her all the questions that you have. And encourage her to ask you whatever she wants to as well. This will make it look not like an interrogation.
Also, in this meeting itself, place all your doubts about the picture and notice what she says and how she deals with it. My suggestion also would be to not rush into the physical aspect right now till you know more about her and her life. If her being a fraud is true, it will only complicate things as she might accuse of you being the one to initiate things physically. So make this trip about getting to know one another and if you are convinced that she is genuine, you may suggest that she can visit Mumbai the next time.

Make sure you give yourself time to make a decision. Online connections do happen; sometimes they are genuine and sometimes not! Which side of the spectrum is yours, you are going to have to figure it out...do just that...

All the best!
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Anu

Anu Krishna  |823 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 17, 2023

Asked by Anonymous - Oct 07, 2023Hindi
Relationship
Greetings, Anu. I am a 50-year-old married man in a relationship with a married woman 17 years my junior. She is exceptionally gorgeous and intelligent, and we were both colleagues until she changed jobs a few days ago. I had introduced her to my boss and my mentor, who work in a different organisation. After a while, I found she was constantly talking and discussing him with me, and my senoir was constantly inquiring about her whenever I went to meet him. I began to suspect, and one day I abruptly asked my partner what was up with her. She wasn't prepared for the query, and the first thing out of her mouth was the name of my senior, despite the fact that I had asked or said nothing about him. She tried to right herself and began explaining that she had received his texts complimenting her appearance and discussing her profession. I asked how often they exchanged messages, and she said once or twice a month. I begged her to desist from doing so in the future. But I tracked her and discovered that they were both online for over 14 to 18 hours every day, and their online times were almost identical to the extent of seconds, if not minutesAs she is a teacher, I asked for her weekly schedule so that I could contact her anytime she was available, which she provided. However, I discovered that both were online throughout her class hour. When I questioned her, she stated that her schedule had altered. I saw both of them online till the early hours of the morning from a different phone that had their numbers, and they had that number recorded in the other phone I was tracking them with. I started interrogating her directly one day and asked her how much time she spent chatting with him everyday, and she responded anywhere between 10 and 30 minutes, once or twice a week. I asked for her phone and discovered that all of her messages had been deleted. When I asked her what she talked about practically every day with him, she responded academics. I tried to ask her a few questions, and she gradually began to open up as she felt imprisoned after every other question she had replied. She admitted that my senior was speaking with her and that he frequently complimented her on her appearance and discussed a variety of other topics. She also argued with me about what was wrong with being online and conversing with someone. She stated that she thought my senior was a kind person. I asked her how she felt about him, and she avoided answering by chatting about unimportant stuff. I stopped communicating with her and responding to her texts. She didn't contact or text me on the first day, either, but on the third day, she began sending me love messages and beseeching me to respond. I persuaded myself into it, but she continued speaking with my senior all day and till past midnight, as I could see both online, even after she had blocked my number with another number I had taken from her good buddy. She attempted to persuade me, and I consented. I could tell that she maintained her friendship with my senior, and she frequently neglected to respond to my messages, even though she was spotted online long after I had sent them to her. I returned to her and we had a discussion about the same topic before I stopped talking to her. She did not message or phone me for two days, but on the third day she called and I had to pick up because something extremely important had to be discussed in another topicAfter that matter was discussed, I ended the call, and she began to send me love pictures and love messages again, as well as saying she wanted to talk to me and that I should not behave like this, at least with her. I agreed and dialled her number. She argued with me, accusing me of not believing her. I told her to keep away from my senior and that I shouldn't see her online with him anymore. She agreed, and I saw she wasn't online anymore, despite the fact that my senior was. This caused me to reconsider, and I discovered that she had applied for a new phone number and acquired a new phone two days prior. I asked her, and she refused, but the source from whom I learned was certain because my partner had asked her for a decent shop for mobiles as well as the network for the new phone. Madam , I had asked her several times what she talked about with him for hours every day, but she never answered, and now that she has a new phone, I know why....What should I do????
Ans: Dear Anonymous,
What you should do is to move on with your life which is getting impossible with you monitoring her every move.
Your peace of mind is gone and she isn't required to give you the explanations that you seek...she has the freedom as much as you do to speak with anyone that she chooses...so why are you so stuck on this?

Is it love and also both of you are married...(this is not to judge either of you...) but where there is no commitment, there is no reason to get possessive or demand explanations. The same goes for her as well in case she starts to stalk you and gets on your case...

So, now let her be and befriend who she wants to...there is no way that you can stop her...so simply get on with your life...there are better things to do than run around chasing someone who is chasing someone else...

All the best!
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Archana

Archana Deshpande  |20 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Career
Hello sir, im a married business women running my own store but after i become a mother ,my business is going in loss. Is it im not will balancing between motherhood and business. Please give me some advice.
Ans: Hello!!
You are a married business woman and now you are a mother too!! Congratulations!!
There was a time in the world when a woman was revered just because she was a mother, she carried humanity forward, that in itself was a big responsibility. It is time to put the mother back on the pedestal.....in India they say giving birth, is like a 'punarjanam', rebirth for a woman. Don't you deserve some rest at least for 40 days before you start thinking of your business and all. Your body has undergone a lot during pregnancy and birth of your child. Rest a little, heal well and then get back to work. You deserve it!!

Now the action plan for you to perform the dual responsibility of a mother and a business woman with grace ..
Your baby totally needs you for the first 6 months because you need to breast feed her. Gradually get her used to other care givers. Build a good support system at home as well as at your store. Earmark an area at the store and at your home which can work as home/office. Don't feel guilty about carrying your baby to the office, remember how the New Zealand ex-PM Jacinda Ardern, carried her new born to the parliament?
It is a balancing act between the two... motherhood and business woman, it'll take time and you'll eventually learn it. Give yourself sometime, don't beat yourself down if there is a little loss now in your business or blame motherhood for the loss. With a new born your schedules will go haywire for sometime. Soon you and your baby will settle down into a routine, you'll have to work for that. Be very flexible, flow like a river for sometime, with your mental peace as the centre.
Don't try to do everything by yourself, delegate, seek help.

List out what is important for you in life. Have every task laid out on paper, plan and schedule activities, this one act will bring in a lot of peace to you. You'll never ever feel overwhelmed. Prioritize all tasks on a scale of 1 to 5. Keep your targets simple and doable on a day to day basis.

In between being a mother and a business woman, take care of yourself too!! Sleep well, eat well, 20 mins of physical activity and doing one thing that brings you joy( it can be as small as looking at the sun set or sipping your chai peacefully) on a daily basis will give you the strength to perform your balancing act.

Loads of blessings and best wishes!!
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

Asked by Anonymous - Mar 19, 2024Hindi
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Money
Hello Sir.I am 30 year old from Kolkata,I have been investing in Mutual Fund for SIP of Rs.5000/- monthly since October 2021 with a plan for long term investment.My Portfolio has this equity diversification i.e.Axis Focused 25 Fund Direct Plan Growth,Mirae Asset Large and Mid Cap- Direct Growth plan,Nippon India Small Cap Fund Direct plan growth,HSBC Small Cap fund Direct growth plan and SBI Small Cap Fund Direct Plan Growth. All these all together have accumulated alongwith profit and loss amount of Rs.152000/- .Now whether can i withdraw profit amount only and invest in lumpsum to different fund manager without stopping existing SIP? Also suggest me good portfolio with good return over long term.Please Sir Thanks and Regards Praveen Das
Ans: Hello Praveen,

It's great to see your proactive approach towards long-term investing at 30. Building a diversified equity portfolio through SIPs reflects a disciplined savings habit and a focus on wealth creation.

Regarding your query about withdrawing the profit amount and investing it lumpsum in a different fund without stopping the existing SIPs, it's absolutely feasible. You can choose to reinvest the profit amount in a lumpsum in a different fund manager while continuing your SIPs. However, before making any changes, consider the tax implications and exit load, if any, on the profit amount.

Now, for suggesting a portfolio with good returns over the long term, it's essential to have a balanced approach with exposure to various market segments. Given your existing holdings, you might consider adding a large-cap or flexi-cap fund to provide stability to your portfolio. Additionally, having exposure to international funds or thematic funds can provide diversification and potentially enhance returns.

A Certified Financial Planner can offer personalized advice, analyzing your risk profile, financial goals, and investment horizon. They can guide you on optimizing your portfolio, ensuring a mix of funds that align with your objectives and risk tolerance.

Remember, investing is a journey, and staying invested with a long-term perspective while periodically reviewing and rebalancing your portfolio can help you achieve your financial goals. Best wishes on your investment journey!
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

Asked by Anonymous - Mar 20, 2024Hindi
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Money
Pabak Asked on - Mar 16, 2024 I am 70, my wife 56, have a working daughter 25, yet to get married. I have a corpus as follows: Please advise how to re-arrange my savings to generate 35K pm. Daughter's marriege budget is 20 lakh. Presently invested in wife' head Rs. 30lakh in post office TDs laddered for matyrity from 2025 in 4 years( 7Lin 2025, 13Lakh in 2026, 6.5 lakh in 2027 and rest 3.5 lakh in 2028. In my head: SCSS Rs 30 Lakh . In Ujjivan Bank FD 10 Lakh, In running PPF with contribution Rs. 35 Lakh. Total 1.05 Cr. Further I have 9 Lakh in MIS jointly with wife. Regards,
Ans: Hello Pabak,

Firstly, it's commendable that you have a structured approach towards managing your savings at 70. Your concern for your daughter's marriage and planning for a regular income is indeed thoughtful.

To generate 35K pm from a corpus of 1.05 Cr, a withdrawal rate of approximately 4% annually would be required. However, considering your daughter's marriage budget of 20 lakh and other financial commitments, it's essential to strike a balance between growth and liquidity.

Given the laddered maturity of post office TDs, it aligns well with your near-term requirements. However, to optimize returns, you might consider diversifying a portion from SCSS and Ujjivan Bank FD into debt funds or conservative balanced funds. This can potentially enhance returns while maintaining liquidity.

Your PPF contribution of 35 lakh can continue to grow, providing a tax-efficient and secure avenue for long-term savings. Additionally, the 9 lakh in MIS jointly with your wife can be a source of regular income.

A Certified Financial Planner can offer personalized advice, analyzing your financial landscape, and suggesting adjustments tailored to your financial goals, risk tolerance, and investment horizon. They can guide you on optimizing your portfolio to meet both short-term and long-term financial needs, ensuring a balance between growth and income.

Remember, a well-structured financial plan not only meets your financial goals but also offers peace of mind, allowing you to cherish moments with your loved ones.
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Money
Hii sir, I am currently investing in following funds from last 2-3 years Sbi bluechip-2500/- Mirae emerging bluechip-2500/- Axis midcap- 2500/- Canara robeco emerging equity-1000/- Sbi technology- 2500/- Parag flexi cap- 4000/- Axis small- 3000/- Quant small cap- 5000/- Total of 23k per month. Would just like start a new sip, so can you suggest if I can invest in index fund or any Nasdaq fund for diversification? Or my current portfolio is diversified enough? If so I will increase SIP in any of the above funds instead of new SIP? Pls suggest
Ans: Your current investment portfolio is quite diversified with exposure to large-cap, mid-cap, flexi-cap, sectoral, and small-cap funds. It's evident that you've been proactive in building a mix that aligns with your investment goals over the past 2-3 years.

Considering your query about adding a new SIP, diversifying into an index fund or a Nasdaq fund can be a good idea to add an international flavor and potentially benefit from global market movements. This can also serve as a hedge against domestic market volatility.

However, before adding a new fund, it's essential to evaluate your current portfolio's diversification. While you have a good mix of funds, assessing overlap and concentration is crucial. You might consider increasing SIPs in existing funds to maintain a balanced allocation or add a new index or Nasdaq fund for further diversification.

A Certified Financial Planner can provide personalized guidance, analyzing your current portfolio, and suggesting adjustments aligned with your financial goals and risk tolerance. Remember, diversification is key to managing risk, but it's equally important to avoid over-diversification, which can dilute returns. Best wishes on your investment journey!
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Money
Hello sir, regarding previous question on 3.5 cr corpus and wants return of 1lakh per month. Why cant he simply keep it in FD @7% interest and get 2lacs income monthy.
Ans: Your question raises a valid point about the simplicity and perceived safety of Fixed Deposits (FDs). While FDs offer a guaranteed return, there are some aspects to consider when opting for them as a primary source of income:

Inflation: The 7% FD rate might seem attractive now, but inflation erodes the purchasing power of money over time. A higher FD return might be necessary to combat inflation and maintain the real value of the invested amount.
Taxation: Interest income from FDs is taxable as per the investor's income tax slab. For someone in the higher tax bracket, the post-tax return might be significantly lower than the pre-tax return, reducing the effective yield.
Liquidity: FDs typically come with a lock-in period, and breaking them prematurely might attract a penalty. This could impact liquidity, especially in emergencies.
Interest Rate Risk: In a falling interest rate scenario, locking into an FD at a lower rate might result in missed opportunities for higher returns from other investment avenues.
Diversification: Putting all the corpus in FDs exposes the investor to concentration risk. Diversifying across different asset classes can help in spreading the risk and potentially enhancing returns.
While FDs offer safety and guaranteed returns, it's essential to consider the impact of inflation, taxation, and liquidity needs. A Certified Financial Planner can provide personalized advice considering the investor's financial goals, risk tolerance, and income needs. They can help in designing a well-balanced portfolio that meets the income requirements while ensuring capital preservation and growth over the long term.

Remember, while FDs can be a part of the investment strategy, relying solely on them might not be the most efficient way to generate a monthly income of 1 lakh from a 3.5 cr corpus, especially when considering factors like inflation, taxation, and investment opportunities in other asset classes.
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Ramalingam

Ramalingam Kalirajan  |867 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 2024

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Money
Hi Sir, i am 50 years old investing in HDFC Top 100 regular growth - 2k, ICICI prudential blue chip fund direct growth -3k, ICICI (P.H.D) fund direct growth - 1k, Kotak flexi cap fund direct growth - 1k, PPFAS flexi cap direct growth - 3k, DSP midcap direct plan growth - 3k, ABSL frontline equity fund regular growth - 3k, Axis blue chip fund regular growth - 3k, PGIM midcap Opportunities fund direct growth- 3k, Motilal oswal S&P 500 index fund direct growth - 1k, Nippon India Multicap fund direct growth - 3k from last 4 years and want to invest for another 5 years. Any suggestions for change
Ans: It's commendable to see your disciplined approach towards investing at 50. Your current portfolio is well-diversified across large-cap, flexi-cap, mid-cap, and index funds. Let's review your portfolio and suggest some potential changes or adjustments considering your age and investment horizon.

Portfolio Review:

Diversification: Your portfolio is diversified across different mutual fund categories, which is good for risk management.
Expense Ratio: As you're investing in regular plans, consider shifting to direct plans of the same funds to save on expense ratio and increase returns over the long term.
Mid-cap Exposure: Given your age and proximity to retirement, you might consider reducing exposure to mid-cap funds as they are generally more volatile compared to large-cap funds.
Suggestions:

Consolidation: Consider consolidating similar categories of funds to streamline your portfolio and reduce overlap. For example, you have exposure to multiple large-cap and flexi-cap funds; you can consider retaining 2-3 funds from each category based on performance and consistency.
Shift to Direct Plans:
While shifting to direct plans can help in reducing the expense ratio, staying with regular plans has its benefits. Regular plans offer the advantage of having the support and guidance from a Mutual Fund Distributor (MFD). An MFD can provide valuable insights, updates on market trends, and personalized advice tailored to your investment needs. They can assist in navigating the complexities of mutual fund investments and ensure your portfolio remains aligned with your financial goals and risk tolerance. Additionally, the expertise and ongoing support from an MFD can be particularly beneficial, especially for investors who prefer professional guidance and assistance in managing their investments effectively.
Reduce Mid-cap Exposure: Given your age and risk profile, consider reducing exposure to mid-cap funds. You can shift a portion of your mid-cap investments to large-cap or flexi-cap funds to maintain a balanced portfolio.
Review Performance: Periodically review the performance of your funds compared to their benchmarks and peers. Consider replacing underperforming funds with better-performing ones.
Consult a Certified Financial Planner: Given the complexities of mutual fund selection and individual financial situations, it's beneficial to consult a Certified Financial Planner. They can provide personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you optimize your portfolio, suggest suitable changes, and guide you on achieving your financial goals.
Remember, regular review and adjustments are essential to ensure your portfolio remains aligned with your financial goals and risk tolerance. Best wishes on your investment journey!
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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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