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Ravi

Ravi Mittal  |177 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 18, 2023

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Asked by Anonymous - Apr 16, 2023Hindi
Relationship

I am having an issue that is very difficult for me to live with but living with. It is the bad luck my wife brings when she is around. We are married for 16 years & have a 15 yrs. old daughter, we are Bengalis. My marriage was an arranged marriage But once the marriage was done I found that whatever tasks I tried to do with my wife around is bound to fail Similarly, for my wife it is the same whatever she tries with me it is a failure Examples In the early years I got an opportunity to go to the USA for a long-term assignment, when my wife was in her native for childbirth I went alone & after a few months she joined me, just within 2 months of her joining my project was abruptly closed & I was sent back. This was a wakeup call & just to see how things work I send her to our native to complete her studies & in 2 years it was smooth, but again when she returned within 6 months my Kolkata project got closed & was forced transferred to Pune, I came here alone & within a few months got another job when I brought her to Pune things started going wrong, I got smart & when things will get wrong I will send her to native for some alibi & things will look up, then get her back again things will start getting wrong & again repeat... it was a challenge as my daughter’s schooling was being effected I can give 100s of example how I purposely made sure she is not around when I had to do something critical. I see a similar situation on her side if I am not around things work out but if I am around simply luck will make sure to fail. Now things have gone to the extent that I make plans that she is not there even if I go out for minor tasks like going to an ATM .. if she goes with me the ATMs will be out of order & I have to return without the cash I am a rationalist & never believe in luck or that someone can bring bad luck .. but such has been the repetition of bad lucks & failures when my wife is around that I have succumbed. About 5 years back we started talking to astrologers, palmists & all sorts of people whom I used to ridicule & they tried all their rings, tabiz, etc but nothing worked. My wife takes care more than a modern-day housewife, cooking managing the household, shopping taking the kids to school, hobbies, & she tries to put her best sincerity into it there is no complaint. In fact, she is taken as an idol among many of our relatives & friends for her behavior & ways she maintains relations with others, this has gone to such an extent that many in our family & friends are jealous of her I don’t think it will be possible to continue like this forever but she is a housewife, doing her best We belong to the middle class I simply don’t want her to dump her with people saying all sorts of things as I feel for her BUT cannot stay with her as now she just around makes me feel nervous. I have tried several times to think positively but could never convince myself We have never talked about this in-depth as I know she is helpless & there is nothing for her to change & will only be hurting her. But many times she told me when things go wrong that she is bringing me bad luck & trouble not once but always, I have simply ignored or reasoned with her the logical thing " as the project got closed due to a change in company strategy" etc, but things turning negative when she is around & turning positive when she is not there EVERYTIME for 15 years is really something I can’t convince myself. She is only unlucky for me but for others like her father, relatives & friends she is very lucky, even 2 days ago one of our neighbors called her as someone was coming to see their daughter for marriage, she went & it worked for them, they call her because she has an ideal homely look which such critical guests think “ah they have good company” & also as the neighbors’ aged mother told” since you came our work got done since you are lucky “ Now why I am writing to you is something maybe you have never heard of. One of my office colleagues ( I will tell you he is between a colleague & a friend with whom I spend a considerable amount of time usually discussing office stuff but he is more open to me on his personal issues, I am a little conservative on this front & have never talked or will like to talk about the issues with my wife) who is childless almost my wife's age. He also was in a marriage for about 10 years but his wife has been very violent, he tried his level best met a number of psychologists, etc but things have not worked. 2 months ago he decided to divorce his wife & is now working on the legal formalities. Many a time while talking I will tell him the way my wife behaves & he will really rue if his wife was like this. From my wife's side, I know her choice & this colleague will be his dream prince.( very handsome, smart, very good talker). On asking about plans after the divorce my colleague has told me that he is looking to remarry preferring divorcee/widow as he doesn’t want to have kids at this age. His ideal wife choice matches my wife. He will be looking for after his divorce gets to some stage. I clearly know that both will be a really good match & will be eternal pairs. I am sure she will not be unlucky for him. I had invited my colleague to my home for tea (with me) so that they can meet which they did, I tactically left them alone for some time but I don’t want to talk to my wife about thinking of this colleague as this will be very offensive & if she refuses our relationship may be damaged forever. Also in no way can propose my married wife to my colleague. I don’t want to talk to anyone but create a circumstance or at the most an indirect hint that they can think of to evaluate if they want to be together. Can you please help As a closing note, I will like to mention, in Dec last year I was told that I will be layedoff from my position by June 30, I immediately started searching for other jobs but nothing worked for 3 months, after completion of my daughter annual exams I send them to my native & now I have got a job in Bangalore, I will leave my family in Pune reasoning my daughter should complete her 12th from the school here but the real reason is above. I don’t have any girl in my life but if she moves out then maybe I can think. Also, my wife is among my 3 people for whom I can do anything so that they will be happy other 2 are my mother & daughter. But I am practically abusing/punishing/torturing her just because I can survive. This colleague looks like a once-in-a-lifetime opportunity for everyone to be happy. The only mental block which I need to remove is my colleagues who being a gentleman will never think about my wife & my wife’s that she is in a marriage will never think. If things don’t work out between them then I am Ok with things to go as its going but that’s just spending years. I will take care of her but maybe never stay with her with some alibi & certainly will not be thinking about another girl still she is dependent on me

Ans: Dear Anonymous,

Standing in today's day and age, how can you still believe a person can be the sole reason for someone's good luck or bad? It's just a mere coincidence, whatever has happened.

Anyways, what to want to believe is up to you; coming to the part where you need assistance: you want to leave your wife and set her up with your colleague? I hope I got that right, given how messed up it is. Getting a divorce is your choice; if you aren't happy, or in your case, if you are feeling "unlucky" you might want to end a relationship but how your wife wants to live her life after the divorce is absolutely her choice. How can you, for even a second, think of setting her up with your colleague? You might think you are being generous and trying to take care of her, but it's just you soothing your own guilt.

Leave her if that's what you want; she'll be lucky for it. But don't try to guide her life in whatever direction you want it to go.

Good Luck!

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Asked by Anonymous - Jun 24, 2023Hindi
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Hello Anu, Hope you are doing good!! Background of Persons: I had arranged married since last once year. I already told them before proceeding that I want to continue my carrier and grow forward in the same city. Also, I want to leave in a joint family along with my parents. My spouse is working in government sector. She told me that my Job is transferrable and i am ok moving forward with you. I am working in MNC at good position and also supporting my family members in their business. Problem: My wife is forcing me to leave separately, shift to another city and start from scratch(zero) in different city having different cultural background. She is also working in government sector and not taking transfer to spouse(husband's) city. Even after explaining couple of times, she is resisting to re-allocate. I am ok if she does anything independently for earning in same city. Also, I will help her in getting the job in private sector in the same city. Also, I will get her employed in another sector through my contacts and preparing her. I am not dependent on her in terms of financial things. We are living separately due to work duties and spent time together for a week in every month or two month as per the adjustment from both of us. My spouse is not talking properly to me, threating me to get divorce. I already had financial and social liabilities on myself which my wife is aware about. I had not seen positive responses from her towards myself, my family and goals. I am ready to leave separately in the same city even if she earns or not. Question: It looks to high danger to me moving to different part of the country having different cultures starting from scratch based on assessments on different parameters. What is the better solution for this ?
Ans: Dear Anonymous,
Well, there isn't much that you can do!
It's possible that your spouse suddenly feels that she might lose more than she gains by any move that she makes. You possibly feel the same.
This only means that both of you have not considered what marriage is and could be. You are using marriage to bring out differences rather than build trust. It's a year and if both of you have not managed to stay true to bringing the best out of each other, I wonder what will make you do that!

Kindly set aside the childish squabbles and suggest to your wife that the two of you need to work on this. Threats may kindly be kept aside...it only widens the gap between the two of you. Bring the conversation to a place where you talk about what it is now and how the two of you want it to be independently to you AND then work on bringing it to WIN-WIN...

Is this possible? Yes, it is provided you channel the conversation as mature adults without threats and pointing our faults and working towards putting the marriage together.

All the best!
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Kanchan Rai  |169 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2023

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Dear, I am a 44 yr old man. I have an issue for which I need some support. We are Bengalis, I am an engineer & was married in 2004. It was an arranged marriage with all those astrological compatibility etc. My wife is 5 yrs younger than me. After my marriage I found that she was very adjusting,loving & people will say that we are an ideal match even today I will also say she is the perfect wife one can have, but one thing I noticed immediately is that she is very unlucky for me. Whenever she is around there will be no success & even things that are working will go wrong. Within 1 yr of marriage, we had a daughter. When she went for delivery I got an opportunity to go to Canada, after a few months she & my daughter joined me & my project closed & I was sent back. Knowing the issue I again sent her for higher education, when she was not around, I got an opportunity to go to the USA, again when they joined me I was sent back. I can give many examples like this, many times we talked about it and met astrologers but all will say our match is perfect. We stayed in Pune. With our daughter around we continued with our family life which I will say was happy, many people will give examples of our family & ostensibly perfect partners we were. But I will tactfully avoid her in times when it was crucial like appraisal etc, & things will work. But I always felt & feared the misfortune she brings. During Covid, this avoidance could not be done & Jan 2023 I was told to leave my job by June 2023. I tried for a lot but could not get a job with her around. In May I sent her to our native & I got a job in Bengaluru. My daughter is in Class 12 in Pune so could not shift my family. In my Pune job , I had a reportee Sumit a Marathi who became somewhat like a friend or better an office tea partner. Many times at tea he would talk about his wife's misbehavior & in the discussion I would tell him how my wife behaves, but my wife had never met with Sumit. They were a childless couple & in Dec 2022 he started living separately from his wife. I being a senior never discussed any private things like family etc with him, One day in May this year out of shear frustration I told him about the bad luck my wife brings, and he responded that" many times one may bring bad luck to one person but maybe good luck to another" Before moving to Bengaluru I called him to our house for lunch since he was staying alone & was having a problem with food etc. Something in my intuition told me that he & my wife may go well, but I never told anyone. A few days later my wife told me that Sumit had sent a Facebook friend request to her & asked me if she should accept it, I said its up to her, she accepted it. My wife has a habit of sending "good morning" messages to a lot of people & I soon found she sent one to Sumit also. I had her Facebook password so could see the messenger messages also. I soon saw Sumit responding to her & they having chats. Initially, she used to tell me about the talks she is having with Sumit but now she has stopped When I moved to Bangalore in June I used to have daily calls & sometimes hot video calls also, I go to Pune every month & we used to have physical relationship but this month when I went to Pune my wife refused getting physical with the reason of she having periods, in Nov she made a purposeful fight with me so that we dont get physical. For 2 months she doesn't do the hot video calls also but regular calls are ongoing. I am in a dilemma, I am happy with my wife but she brings too much bad luck & she has understood it. If I keep quiet now I know by Dec 24 my wife will be Sumit's wife & there traits they will be very happy. But if I even now want I strongly feel that I can stop her drifting further, but I cannot decide if I should do it. Since I think that she going away from my life will stop bringing the misfortune she brings & she & Sumit will be really good partners & will be happy. But I also feel very sad about her leaving me. Please help me with how I should decide. My daughter will complete her 12th next year & I am hopeful by June next year she will be in an engg college hostel & will not be directly affected by this change of relationship.
Ans: Dear Bappa,
I'm sorry to hear that you're going through such a challenging situation. Deciding whether to confront your wife about her growing relationship with Sumit is undoubtedly a difficult and personal choice. It's important to approach this situation with empathy and open communication. Take some time to reflect on your own emotions and the impact your wife's actions are having on you. Consider both the positive and negative aspects of your relationship, as well as your own needs and desires. Choose an appropriate time to have an open and honest conversation with your wife. Avoid accusations and blame, but express your concerns and feelings. Discuss how her relationship with Sumit makes you feel and inquire about her perspective on your marriage Reflect on what you want for your future and whether you believe your marriage can overcome the challenges. Reflect on your own feelings about your marriage. Consider whether your concerns about bad luck and misfortune are based on tangible evidence or if there might be other factors influencing your perception. Consider the impact on your daughter and how decisions might affect her as well. While she may be heading to college soon, a separation or divorce can still affect her emotionally. Consider her well-being in any decisions you make.
Sometimes, people need time for personal growth and self-discovery. This doesn't necessarily mean the end of a marriage but could lead to a stronger relationship in the future. Both partners might need to work on themselves to contribute positively to the relationship It's crucial to make decisions based on your own values, priorities, and the specific dynamics of your relationship. If needed, don't hesitate to seek support from friends, family, or professionals who can provide guidance and assistance during this challenging time.
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Relationships Expert, Mind Coach - Answered on Feb 11, 2024

Asked by Anonymous - Feb 11, 2024Hindi
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Relationship
I am working in a central psu and my wife works for state govt and both are 48 yrs. We are married for 20 yrs and have 2 sons (20 &16). She is never expressive nor vocal, because of this our marital relationship have not seen even a single day of happiness. Her parents never ever made her realised that problem can be from her side too nor asked me even a single time whats is bothering me. She is over ambitious in her job and neglects everything in the personal life. This negligence started from the day 1 of the married life. She never try to understand the problem and reasons behind and just ignore and move ahead. This makes life miserable and likewise 20 yrs passed.. Its like when sons are moving out of home, I feel very much alone and sometimes feels to runaway from life...She dont show any emotions, giving the reasons that its her nature...She says loves me, but whats that love which is not felt by me for a single day...I wanted a wife not a nurse.. What to do....I lost my hope of life.
Ans: It's clear that communication and understanding between you and your wife have been lacking for quite some time. It's important to remember that marriage is a partnership, and both partners need to be willing to work on the relationship for it to thrive. It's also common for individuals to have different communication styles and emotional expressions, but it's crucial to find common ground and ways to connect despite these differences. Have an open and honest conversation with your wife about how you're feeling. It's important for her to understand the impact her behavior is having on you and your relationship. Establish boundaries around work and personal life to ensure that both of you are making time for each other and your family. Encourage your wife to prioritize your relationship and family time.Take care of yourself physically, emotionally, and mentally. This might involve engaging in activities that bring you joy, spending time with friends and loved ones, and seeking support from a therapist or counselor for yourself. change takes time, and healing a relationship requires effort and commitment from both partners. It's okay to feel discouraged and overwhelmed, but please don't lose hope. There are resources and support available to help you navigate this difficult time. You deserve to live a fulfilling and happy life, and it's never too late to work towards that goal.
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Anu Krishna  |823 Answers  |Ask -

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Relationship
Hi Anu, I am working in a central psu and my wife works for state govt and both are 48 yrs. We are married for 20 yrs and have 2 sons (20 &16). She is never expressive nor vocal, because of this our marital relationship have not seen even a single day of happiness. Her parents never ever made her realised that problem can be from her side too nor asked me even a single time whats is bothering me. She is over ambitious in her job and neglects everything in the personal life. This negligence started from the day 1 of the married life. She never try to understand the problem and reasons behind and just ignore and move ahead. This makes life miserable and likewise 20 yrs passed.. Its like when sons are moving out of home, I feel very much alone and sometimes feels to runaway from life...She dont show any emotions, giving the reasons that its her nature...She says loves me, but whats that love which is not felt by me for a single day...I wanted a wife not a nurse.. What to do....I lost my hope of life.
Ans: Dear Anonymous,
I am sure there is an issue that you are facing BUT to generalize it as: because of this our marital relationship have not seen even a single day of happiness.
Are you sure that has not been a single day or a single moment of feeling some joy? DO NOT indulge in this kind of belief as it only makes the issue look bigger than what it maybe.
If you feel alone, talk to her and tell her exactly how you feel. It's your marriage as well; do something to stay in it.
If there is a reason for her to be the way that she is, that needs to be addressed. Also, by complaining rather than facing the issue together, you are alienating yourself from the marriage. Give this a fair chance and deal with it in a mature way. Talking about it helps more than complaining; as she will bring her list of complaints and then it just gets into a loop.
- have an honest conversation
- make space for a back and forth conversation
If she refuses to talk, then possibly there is a need for a professional to intervene. She will also need to understand what hurts you and work on it, so that the marriage moves on smoothly. Marriage is a two-way dance.

All the best!
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Study Abroad Expert - Answered on Apr 26, 2024

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Sir, my daughter is going to finish her BA with Psychology Honours from Indraprastha College for Women, Delhi University. She has received an offer to pursue her MSC in Organizational Psychology from University of Manchester, UK. We would like to know more about the future prospects of this course and the employability. Also, we would like to know how different it is from an MBA in Human Resources?
Ans: Hello Rohit,

To begin with, thank you for contacting us. I am glad to hear that your daughter is going to complete her Bachelor of Arts (BA) with Psychology Honours and has received an offer to pursue her Master of Science (MSc) in Organizational Psychology from the University of Manchester in the UK. To answer your question first, I would like to tell you that your daughter will be offered a solid basis in understanding human behavior in the workplace as well as real-world abilities in fields viz., talent management, employee evaluation, and organizational development through pursuing a Master of Science in Organizational Psychology from the University of Manchester. Students pursuing this degree are provided with the information and skills required to tackle different difficulties that organizations encounter, viz., leadership effectiveness, employee motivation, and team dynamics.

Concerning your query regarding the future prospects and employability, I would like to tell you that with businesses recognizing the significance of comprehending and maximizing their manpower, the demand for organizational psychology continues to rise. You would be glad to know that your daughter can choose from many different jobs including talent management, training and development, human resources, organizational consulting, and other positions with this degree. Remember that organizational pyschologists are respected for their ability to use psychological principles to enhance productivity in the workplace, employee satisfaction, and efficiency of the organization.

Next, coming to your query as to how this course is different from an MBA in Human Resources, I would like to let you know that an MSc in Organizational Psychology in comparison to an MBA in Human Resources generally places a greater emphasis on the psychological facets of the behavior and growth of organizations. Although topics associated with managing people within organizations is also covered in an MBA in Human Resources, it frequently adopts a more comprehensive corporate viewpoint encompassing fields viz., strategy, marketing, and finance.

I would like to tell you that your daughter's interests and professional objectives play a key role in deciding between an MSc in Organizational Psychology and an MBA in Human Resources. An MSc in Organizational Psychology would be a better choice if your daughter is interested in studying human behavior in the workplace and wishes to gain expertise in fields viz., leadership development, employee well-being, and organizational culture. On the contrary, if your daughter wants to acquire a deeper understanding of business management with a concentration on Human Resources (HR), and aspires to work in more general management positions within organizations, then an MBA in Human Resources may be an appropriate choice.

Remember that both paths can result in lucrative employment prospects. When making an informed choice, I would suggest that your daughter carefully takes into account her strengths, personal interests, and future professional objectives. Moreover, in order to acquire valuable information pertaining to the prospects following the completion of either degree, I would recommend that your daughter conducts a comprehensive study on particular labor markets as well as gets in touch with experts of both the domains.

For more information, you can visit our website.
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Study Abroad Expert - Answered on Apr 26, 2024

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Dear Sushil, My daughter is 23 years old , finished her MBA from KIMS and got a job in Kirloskar Pune as a HR BP ( Management Trainee)in Jan 2024. Her results were good throughout. Topped 12 from Aditya, BSc Botany from Lady Brabourne kolkata ( 1st class first). Sir, we can't manage funds for going to abroad. Kindly guide us about her next step so that her career escalates. Sanchita
Ans: Hello Sanchita. Thank you for connecting with us. Congratulations to your daughter on her academic achievements and securing a position as an HR business partner (management trainee) at Kirloskar Pune. It is evident that she has a strong academic background, leading to promising career prospects ahead. It is understandable that there are financial constraints at the moment. Furthermore, let me tell you that there are educational loans that would be available for your daughter’s education abroad. Given your daughter’s excellent academic background, she can be eligible for scholarships and financial aid, either fully or partially. This would help your daughter manage her finances well abroad.There are some universities that come with financial aid packages like grants, loans, and work opportunities. This is specially designed to cover tuition fees, living expenses, etc. In addition to this, there are work opportunities as well, which would also be a good option for your daughter. By carefully planning and prioritising expenses, financial challenges won’t be an issue.

All the best to your daughter in her future endeavours.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.
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Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

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Sir my age is 25 and I am earning 29000 per month.i am in govt sector.i am investing 20000 per month in sip in the following funds Motilal Oswal midcap fund 3000 HDFC s&p sensex index fund 4000 Motilal Oswal Nasdaq ETF 3000 Axis small cap fund 2000 Nippon India small cap fund 2000 ICICI prudential nifty 50 ETF 2000 US S&P 500 SPDR ETF 4000 And lastly 1000 in bitcoin but that I don't count because it's very risky and I may lose my money in bitcoin so I consider 20000 as my sip amount instead of 21000....sir kindly check my sip distribution if needed any changes..I will stay invested in market for 20 years and I want my wealth to grow so that I can retire at 45.. kindly provide me your valuable suggestions
Ans: Your commitment to investing at such a young age is commendable and lays a strong foundation for your future financial security. Let's review your SIP distribution to ensure it aligns with your goal of retiring at 45 and maximizing wealth growth over 20 years.

Your current SIP allocation demonstrates a diversified approach, spanning various sectors and geographies. However, given your long investment horizon and goal of wealth accumulation, it's essential to consider a few aspects:

Risk Tolerance: While your portfolio includes both domestic and international equity exposure, it's important to assess your risk tolerance. Small-cap and mid-cap funds tend to be more volatile but offer higher growth potential over the long term. Ensure you're comfortable with the level of risk associated with these investments.
Asset Allocation: Evaluate your asset allocation to ensure it reflects your risk appetite and investment goals. Consider allocating a portion of your portfolio to more stable assets like large-cap funds or debt instruments to balance risk and potential returns.
Review Periodically: As your financial circumstances and market conditions evolve, periodically review your SIP distribution to ensure it remains aligned with your goals. Rebalancing your portfolio may be necessary to maintain diversification and optimize returns.
Emergency Fund: Building an emergency fund equivalent to 3-6 months' worth of expenses is crucial to mitigate financial risks and ensure stability during unforeseen circumstances.
Regarding your Bitcoin investment, it's advisable to exercise caution due to its speculative nature and lack of proven track record. Cryptocurrencies are inherently risky and have not stood the test of time like traditional investment options. Consider focusing on more established and less volatile investment avenues for long-term wealth accumulation.
As a Certified Financial Planner, I advise you to consult with a financial advisor who can provide personalized guidance tailored to your specific financial situation and goals. Together, we can refine your investment strategy to optimize growth and set you on the path to achieving your retirement objectives.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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I am 53 years old. I have fd of 20 lakh, pf of 15 lakhs, ppf of 15 lakhs, stock of 55 lakh, mf of 50 lakh. I invest in 5 lakh yearly in a ulip scheme, 3 lakh yearly in lic pension fund and do sip of 35000 across different mf. Am i retirement ready? I am a single person. I have no dependents. After retirement i will need sbout 80000 pm and will need 7 lakh per year for travelling.please advise
Ans: Given your diversified investment portfolio and diligent savings habits, you're certainly on the right track towards a comfortable retirement. However, let's delve deeper into your financial landscape to assess your readiness.

Your FDs, PF, PPF, stocks, and mutual funds collectively form a robust foundation for retirement. Your annual contributions to ULIP and LIC pension fund further bolster your retirement corpus. However, to ensure your desired lifestyle post-retirement, it's crucial to evaluate if your current investments align with your retirement income needs.

Considering your annual expenses post-retirement, including living expenses and travel aspirations, it's prudent to analyze if your existing investments can generate sufficient income. Additionally, factoring in inflation and potential healthcare expenses is paramount.

As a single individual with no dependents, your retirement planning focuses solely on your own needs and aspirations. While your investment portfolio appears substantial, a detailed retirement income projection would provide clarity on whether it adequately meets your desired lifestyle post-retirement.

As a Certified Financial Planner, I recommend conducting a comprehensive retirement planning analysis to ensure your financial goals are met with confidence and peace of mind. Together, let's fine-tune your retirement strategy to ensure a fulfilling and financially secure future.
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Ramalingam

Ramalingam Kalirajan  |884 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 26, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Money
Hi i am 40 years old and working in private sector. Current investments in SIP's are UTI index and I Pru next 50 @ 1000/weekly, Nippon Small Cap @ 1500/Weekly also HDFC Mid cap opportunites @ 1000/weekly. I also have monthly SIP's in Canara Robeco Emerging Equities @ 2000,Invesco Multicap @ 2500, Mirae Emerging Bluechip @ 2500, Mirae NYSE Fang ETF FOF @ 5000, Quant Small cap @ 2000, PPFAS flexicap @ 2500, UT Flexi @ 2500. Most of the SIP's have been started in last 2-3 yeasr.
Ans: It's commendable that you've taken proactive steps towards securing your financial future, especially with such a diverse portfolio of SIPs. At 40, you're in a crucial phase of life where every investment decision counts. Your commitment to regular investing reflects a thoughtful approach to wealth accumulation.

With SIPs spread across various sectors, you've embraced the beauty of diversification. But have you ever pondered over whether your current investments truly align with your long-term goals and risk appetite? It's crucial to periodically reassess your portfolio's composition to ensure it remains in sync with your evolving financial aspirations.

Remember, the journey to financial independence is akin to a marathon, not a sprint. Each SIP contribution represents a step forward on this journey, building wealth brick by brick. As a Certified Financial Planner, I appreciate your dedication to securing your financial future and encourage you to continue this journey with wisdom and foresight.

In the vast landscape of investment opportunities, your portfolio reflects a tapestry of choices tailored to your vision. But as with any masterpiece, periodic reflection and adjustment are essential to ensure its continued brilliance. Let's navigate this journey together, crafting a future that's both prosperous and fulfilling, one SIP at a time.
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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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