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Kanchan

Kanchan Rai  |152 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2024

Asked by Anonymous - Feb 19, 2024Hindi
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Relationship
Hello Gurus, I am in trouble. I was living in Canada from last 10 years till last year when I had to come back to India - my father was not well. My father passed away in November last year - but my mother is alone and is not in best health. My wife feels that I have cheated her by getting her back from Canada and she wants to go back immediately. She feels that my elder brother (who is in Australia) should take care of my mother. Our relationship has soured over last few months as she is always using brutal language for my mother and for my brother - in fact, it has always been the case - but so far I was just ignoring her. But now every time she says something nasty, I strongly retaliate back. On top of it, my wife is pregnant too. I am in trouble - I don't know what to do - whether to go back to US and leave my mother alone or with my brother - or to stay back and fight with pregnant wife :(
Ans: I'm truly sorry to hear about the difficult situation you're facing. It's a challenging time with the loss of your father and the health concerns of your mother, compounded by tensions in your relationship with your wife. It's essential to have open and honest communication with your wife about your concerns, fears, and the challenges you're facing as a family. Express your feelings calmly and listen to her perspective as well. Consider seeking the help of a couples therapist who can assist you both in navigating the difficulties in your relationship. A therapist can provide a neutral space for you to address conflicts, improve communication, and find constructive solutions together.Reach out to other family members, such as siblings or extended family, for support with caring for your mother. Discuss the situation with them and explore potential options for providing care and assistance to your mother while also considering your wife's needs and concerns.Take some time to carefully evaluate your options and consider the potential consequences of each decision. Reflect on what is most important to you in terms of family, relationships, and your own well-being.Ensure that the health and safety of both your mother and your wife, especially given her pregnancy, are prioritized in any decision you make. Seek medical advice if necessary to address any health concerns.Remember to take care of yourself emotionally and seek support from friends, family, or a therapist if needed. It's essential to prioritize your own well-being as you navigate these challenging circumstances.
Ultimately, there may not be an easy solution to your current dilemma, but by approaching the situation with empathy, understanding, and a willingness to communicate and seek support, you can work towards finding a resolution that is best for you, your wife, your mother, and your growing family.
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Sanjeev

Sanjeev Govila  |453 Answers  |Ask -

Financial Planner - Answered on Mar 28, 2024

Asked by Anonymous - Mar 13, 2024Hindi
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Money
Hello Sir, I plan to invest in the following funds for 2 years through SIP from April 24. Investment holding time frame is 15 years. Nipon India Small Cap (10K); HDFC Small Cap (10K); HDFC Mid Cap Opportunities Fund (7.5K); Motilal Oswal Nifty Mid Cap 150 Index Fund (7.5K); Mirae Assets Large & Mid Cap (5K); ICICI Pru Value Discovery (10K). All funds selected are of Growth option and Direct investment option. Requesting your expert comments in the fund selection/ amount allocation. Looking forward to your response. Thanks.
Ans: In the mentioned funds, most of them are of Small & Mid cap categories and they carry higher risk in comparison to most other categories.
Although, in the recent past these funds have delivered decent returns supported by the ongoing market rally, you should be ready for the uncertain volatilities and may witness negative returns in the short term.

Secondly, funds overlapping in a similar category increases the concentration risk of the portfolio and returns may be impacted during market stress. Hence, it is recommended to diversify the portfolio among categories & across the market capitalization.

The investment horizon in mid & small cap should be of 7+ years for decent returns.

As you have mentioned your investment horizon as 15 years, these funds could be the suitable investment but in the absence of any idea of your risk appetite, it is difficult to assess that. Therefore, selection of funds should be based on your risk appetite, investment horizon and your goals not on the basis of their performance.
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Sanjeev

Sanjeev Govila  |453 Answers  |Ask -

Financial Planner - Answered on Mar 28, 2024

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Money
Dear sir, I am having MF portfolio around 12.5 lakhs invested through SIP and lumpsum both ways. MF holdings are:- Mirae large & mid cap-3.2 lakh Mirae mid cap-3.4 lakh Parag parikh flexi-3.0 lakh Parag parikh elss-75 k Kotak emerging equity -1.0 lkh Nippon small-65 k Motilal midcap- 4k (just started) Tat small cap 3k (SIP recently started) I recently switched from axis mid cap to kotak Emerging. I am confused about mid cap funds which one should I keep whether motilal or kotak emerging. Kindly suggest Whether my portfolio is well diversified or any changes required. I want to exit one mid cap or keep all 3 in portfolio considering overlap.
Ans: Your portfolio is well diversified across various categories and designed for long-term horizon.

Currently, you have three mid-cap funds in your portfolio i.e. Mirae Asset Mid Cap Fund, Kotak Emerging Equity Fund, and Motilal Oswal Mid Cap Fund.

Motilal Oswal Mid Cap Fund is currently investing only in 30 stocks which makes it focused in nature. The market surge has helped the fund achieve strong returns over the last year, but these returns have not been steady and have not had a particularly strong track record. Thus, we advise you to discontinue making investments in this fund.

You have investments in two Mirae AMC funds in your portfolio. We advise you to diversify your investments among different AMCs to lower the risk of concentration and to take advantage of the various investing strategies that AMCs follow.

We suggest you to continue to invest in Kotak Emerging Equity Fund since the fund has a good track record, past performance and it is well diversified as compared to its peers.
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Kanchan

Kanchan Rai  |152 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2024

Asked by Anonymous - Feb 24, 2024Hindi
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Relationship
Hello ma'am, I am a 17 year old girl feeling vulnerable and angry at times to the point that i end up breaking things and this affects my relationship with my parents. I feel very lonely most of the time....especially when i see other people chilling with their friends. Please help.
Ans: it's completely understandable to feel overwhelmed and lonely, especially when you see others enjoying social connections. Here are some suggestions that may help you manage your feelings of anger, loneliness, and vulnerability:Find healthy ways to express your emotions. Instead of breaking things, try journaling, drawing, or talking to someone you trust about how you're feeling. Be kind to yourself and recognize that it's okay to feel the way you do. Treat yourself with the same compassion you would offer to a friend in a similar situation.Reach out to someone you trust, whether it's a friend, family member, teacher, or school counselor. Talking to someone about how you're feeling can help alleviate feelings of loneliness and provide support. Engage in activities that bring you joy and fulfillment, whether it's pursuing a hobby, volunteering, or joining a club or group where you can meet like-minded individuals. Consider seeking therapy or counseling to help you learn coping skills and strategies for managing your emotions in healthier ways. A therapist can also provide a supportive and non-judgmental space for you to explore your feelings and experiences. Mindfulness techniques, such as deep breathing exercises and meditation, can help you stay grounded and present in the moment, reducing feelings of anger and vulnerability. If certain situations or relationships are contributing to your feelings of anger and loneliness, it's important to set boundaries to protect your well-being. This might involve limiting contact with certain people or seeking support to address challenging family dynamics.Take care of your physical and emotional needs by prioritizing self-care activities such as getting enough sleep, eating healthily, and engaging in regular exercise.Practice identifying and challenging negative thought patterns that contribute to your feelings of loneliness and anger. Replace them with more balanced and compassionate thoughts. Healing and personal growth take time, so be patient with yourself as you navigate through this difficult period. Celebrate your progress, no matter how small, and remember that you're not alone in your struggles.
It's okay to ask for help, and reaching out for support is a courageous step toward healing and well-being. You deserve to feel supported and connected, and there are people and resources available to help you through this challenging time.
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Sanjeev

Sanjeev Govila  |453 Answers  |Ask -

Financial Planner - Answered on Mar 28, 2024

Kanchan

Kanchan Rai  |152 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2024

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Relationship
I feel depressed most of the time. What can I do?
Ans: Depression can be a difficult thing to navigate, but there are steps you can take to start feeling better. Here are some suggestions:Consider reaching out to a therapist, counselor, or psychiatrist. They can provide support, guidance, and potentially medication if needed.Surround yourself with supportive friends and family members who can offer encouragement and understanding. Engage in regular physical activity, even if it's just a short walk each day. Exercise can help improve mood and reduce feelings of depression. Establishing a daily routine can provide structure and stability, which can be particularly helpful when dealing with depression.Take time for activities that bring you joy and relaxation, whether it's reading, spending time in nature, or pursuing a hobby.Try to identify and challenge negative thought patterns. Cognitive-behavioral therapy techniques can be particularly helpful for this.Identify sources of stress in your life and work on finding ways to manage or reduce them. Aim for 7-9 hours of quality sleep each night. Poor sleep can exacerbate feelings of depression. Focus on consuming a balanced diet with plenty of fruits, vegetables, whole grains, and lean proteins. Avoid excessive consumption of caffeine and alcohol.If recommended by a healthcare professional, consider medication as part of your treatment plan. Antidepressants can be effective for many people. Even if you don't feel like it, try to stay connected with others. Social support is important for maintaining mental well-being. Break tasks into smaller, manageable steps and set realistic goals for yourself. Celebrate your achievements, no matter how small.
Remember that it's okay to ask for help, and recovery from depression is possible with the right support and treatment. If you're in crisis or feeling overwhelmed, don't hesitate to reach out to a mental health professional or a crisis hotline for immediate assistance.
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