Home > User

Need Expert Advice?Our Gurus Can Help


Ramalingam Kalirajan4605 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked on - Feb 19, 2024Hindi

Ans: To achieve a monthly income of 50,000 from investments without going into detailed calculations:

Investment Horizon:
A longer investment horizon provides more time for your investments to grow and recover from market downturns. With a horizon of 15-20 years, you can consider a mix of equity and debt investments.
Asset Allocation:
Diversify your investments across different asset classes like equities, debt, and possibly real estate or gold. This diversification helps in balancing the risk and potential returns.
Equity Mutual Funds:
For wealth creation over the long term, equity mutual funds have historically offered higher returns. However, they come with higher volatility.
Debt Mutual Funds:
These funds provide stability and regular income with lower volatility compared to equities. They are suitable for investors with a medium risk appetite.
Systematic Investment Plan (SIP):
Investing through SIPs allows you to invest a fixed amount regularly. This disciplined approach to investing can help in achieving your financial goals over time.
Review and Rebalance:
Regularly review your investment portfolio to ensure it aligns with your financial goals and risk tolerance. Rebalance your portfolio if necessary, based on market conditions and your financial situation.
Consider the impact of inflation on your future income needs. Ensure that your investments aim to provide returns that beat inflation to maintain your purchasing power.
Consult a Financial Advisor:
For personalized advice tailored to your financial situation and goals, consult with a financial advisor. They can help you create a customized investment plan and guide you on how to achieve your target income of 50,000 per month.
Remember, investing is a journey, and it's essential to stay committed to your financial goals while being flexible to adapt to changing market conditions.
Dr Ashish

Dr Ashish Sehgal97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 20, 2024

Asked on - Feb 20, 2024Hindi

i feel stuck in my life, could not focus on anything. How can i improve.
Ans: Feeling stuck and lacking focus can be incredibly frustrating. While I can't replace a qualified therapist or NLP life coach, I can offer some suggestions based on NLP principles and general psychological practices that might help.

Understanding the Stuckness:

Self-reflection: Take some time for introspection. Ask yourself: what specifically feels "stuck"? Is it a particular area of your life (career, relationships, etc.) or a general feeling of unfulfillment? What are your thoughts and emotions around this feeling?
Identify unhelpful patterns: Are there negative thought patterns or limiting beliefs that might be holding you back? Do you constantly criticize yourself or doubt your abilities? Recognizing these patterns is the first step to changing them.
Shifting Your Focus:

Start small: Trying to achieve too much at once can be overwhelming. Set small, achievable goals to build momentum and confidence. Focus on celebrating small wins, no matter how insignificant they might seem.
Practice mindfulness: Techniques like meditation or deep breathing can help you become more present and aware of your thoughts and feelings without judgment. This can improve your ability to focus and prioritize.
Reconnect with your values: What are your core values and passions in life? Reminding yourself of what truly matters can guide your decisions and provide a sense of direction.
Taking Action:

Challenge negative thoughts: When you catch yourself thinking negatively, actively challenge those thoughts with evidence to the contrary. Ask yourself, "Is this thought truly helpful?"
Break down big tasks: Feeling overwhelmed by large tasks can easily lead to procrastination. Break down big goals into smaller, more manageable steps to make them less daunting.
Seek support: Talk to a trusted friend, family member, or therapist about what you're going through. Talking things out can provide valuable perspective and support.
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.


You haven't logged in yet. To ask a question, Please Log in below

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds