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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Nidhi

Nidhi Gupta  |201 Answers  |Ask -

Physiotherapist - Answered on Jul 28, 2023

Nidhi Bajaj Gupta has 20 years of experience as a physiotherapist.
She founded the Merahki Holistic Wellness Company in 2011 and is the co-founder of Miraaya Holistic Growth Centre.
She has a bachelor's degree in physiotherapy from Sancheti Institute for Orthopaedics and Rehabilitation, Pune, and certifications in myofascial release, dry needling and craniosacral therapy from New York, San Francisco and Singapore.
She combines both Eastern and Western ways of healing. ... more
S Question by S on Jul 28, 2023English
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मैं 74 साल का हूं और चलते समय रुकते समय फंस जाता हूं। मेरे निदान में लगातार भ्रम बना रहता है। मैंने खुद को सिंगापुर, यूके और यूएसए में भी दिखाया है। कुछ डॉक्टर कहते हैं कि यह पार्किंसंस के कारण है और कुछ कहते हैं कि यह पीएसए है। मैं मैं पूरी तरह से भ्रमित हूं। इसके अलावा शाम को मेरी वाणी धीमी हो जाती है और मैं ठीक से लिख नहीं पाता। जब मैं चलना शुरू करता हूं तो कोई समस्या नहीं होती। मैं बिना रुके 4 किमी चल सकता हूं। कृपया सलाह दें कि मैं 3 साल से लगातार एक न्यूरोलॉजिस्ट से दवा ले रहा हूं। भारत

Ans: प्रिय एस,
क्या आपने अपना मस्तिष्क स्कैन, रक्त परीक्षण कराया है? यदि हां, तो परीक्षण क्या दिखाते हैं? न्यूरोलॉजिस्ट आपको कौन सी दवा दे रहा है? आपके लक्षण पार्किंसंस विकार जैसे प्रतीत होते हैं।
आमतौर पर एलोपैथी के साथ-साथ आयुर्वेदिक डॉक्टर या होम्योपैथ जैसे वैकल्पिक चिकित्सा चिकित्सक से भी परामर्श लेना बेहतर होता है।
कुछ फिजियोथेरेपी/योग पुनर्वास अभ्यास भी ऐसे मामलों में अद्भुत काम कर सकते हैं।
शुभकामनाएं!
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Nidhi

Nidhi Gupta  |201 Answers  |Ask -

Physiotherapist - Answered on Aug 18, 2023

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नमस्ते, मेरी उम्र 39 साल है. 5 मिनट से ज्यादा चलने पर दोनों पैरों में ऐंठन और सनसनी होने लगती है। जब मैं रुकता हूं और 2 मिनट के लिए आराम करता हूं, तो ऐंठन और सनसनी दूर हो जाती है। ऐसा पिछले 3 महीने से हो रहा है. मेरी रक्त परीक्षण रिपोर्ट सामान्य है. मैं न्यूरोलॉजिस्ट के पास गया. उन्होंने ट्रिप्टोमर 10 को 1 महीने तक रात में लेने का सुझाव दिया। रेजुनेक्स ओडी कैप्सूल 1 महीने के लिए सुबह। क्या आप कृपया आगे सुझाव दे सकते हैं?
Ans: नमस्ते श्रीनिवास,
क्या आपने विटामिन डी3 और विटामिन बी12 के लिए रक्त परीक्षण कराया?
क्या आपने एचबीए1सी, इलेक्ट्रोलाइट स्तर, कार्डियक एंजाइम के माध्यम से अपने शर्करा स्तर का परीक्षण किया?
क्या आपने डॉप्लर परीक्षण किया?
यदि यह सब सामान्य है तो आप किसी फिजियोथेरेपिस्ट से मिल सकते हैं। उन्हें ट्रिगर बिंदुओं के लिए आपकी पीठ के निचले हिस्से और पैर की मांसपेशियों की जांच करने की आवश्यकता होगी और यदि कोई तंत्रिका अवरोध है। तदनुसार वे आपको उपचार दे सकते हैं और आप बेहतर हो जाएंगे।
शुभकामनाएं!

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Nidhi

Nidhi Gupta  |201 Answers  |Ask -

Physiotherapist - Answered on Feb 12, 2024

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सर, मैं पिछले डेढ़ साल से शरीर में सुस्ती की समस्या से जूझ रहा हूं और बिना दवा के नींद नहीं आ रही है। मैंने 5 डॉक्टरों से परामर्श लिया। (हालांकि न्यूरोलॉजिस्ट केवल एक डॉक्टर ने कहा कि यह पार्किंसंस है। अन्य ने कहा कि यह पार्किंसंस नहीं है। लेकिन सभी पार्किंसंस की दवा दे रहे हैं। कृपया मुझे बताएं कि कौन से डॉ. मुझे इसके लिए संपर्क करना चाहिए
Ans: नमस्ते सुरेंद्र,
मुझे आपकी रक्त रिपोर्ट, मस्तिष्क स्कैन आदि के बारे में और जानकारी चाहिए।
तभी मैं आपका मार्गदर्शन कर सकता हूं.
एक बात जो मैं सुझाऊंगा वह यह है कि कृपया किसी आयुर्वेद चिकित्सक या प्राकृतिक चिकित्सक या किसी अच्छे स्वास्थ्य प्रशिक्षक से भी मिलें। वे आपको नींद, पोषण, व्यायाम, ध्यान के संबंध में जीवनशैली में कुछ बदलावों के लिए मार्गदर्शन कर सकते हैं जो आपकी मदद करना शुरू कर सकते हैं।
शुभकामनाएं!

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नवीनतम प्रश्न
Ramalingam

Ramalingam Kalirajan  |8598 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 29, 2025
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Hi I am 52 years old IT professional, and planning to retire by 56-57. In next 5 year I will accumulate 1 Cr each in PF and PPF , Have stocks worth 2 Cr. And I am sure it will become least 2.53 Cr. FDs worth 70 Lakhs and post office investment of 40+ lakhs. I will also get 40 lakhs from gratuity and superannuation. Please suggest how I should invest so that I will get steady income.. Other than my two sons marriage I will not have any liability Please note I don't trust Mutual funds so please don't suggest SWP, SIP..
Ans: Your preparation so far is strong. With a clear retirement age target, minimal liabilities, and good asset mix, your foundation is solid. Let us now build a secure and income-generating retirement plan for you.

Below is a complete and personalised strategy.



Your Retirement Readiness Assessment

You plan to retire by 56 or 57. You are currently 52. That gives 4 to 5 years.



Retirement corpus will include:



 – Rs. 1 crore in PF
 – Rs. 1 crore in PPF
 – Rs. 2.53 crore in stocks
 – Rs. 70 lakhs in fixed deposits
 – Rs. 40+ lakhs in post office schemes
 – Rs. 40 lakhs from gratuity and superannuation



Your post-retirement lifestyle needs to be carefully calculated. Life expectancy planning should go till age 85 at least.



Your corpus is expected to be around Rs. 6 to 6.5 crore in five years. This is strong.



Two major expenses ahead are your sons’ marriages. These can be met through a planned drawdown.



You have clearly avoided mutual funds. So, we will exclude them. We will build income using other regulated options.



Your Emergency Liquidity Plan

Emergency fund should always be available in safe and quick-access options.



Keep Rs. 15 lakhs in a laddered fixed deposit structure.



Split this into three parts maturing every 3 to 6 months.



This will help if any unexpected medical or family need arises.



FD ladder also reduces reinvestment risk. It provides better liquidity flow.



Do not invest emergency fund in long-term or risky assets.



Retirement Income Portfolio Construction

Let us focus on creating stable monthly or quarterly income from different asset classes.



This should come with minimum risk. Also, inflation should not reduce the value over time.



Split retirement corpus into three buckets:



 Bucket 1 – Safety and Liquidity (2 to 3 years income)
 – Rs. 40 to 50 lakhs in senior citizen savings scheme and post office MIS
 – These provide steady monthly or quarterly income
 – Use your gratuity and superannuation lump sum here
 – You can also consider tax-free bonds if available in the secondary market



 Bucket 2 – Medium-Term Income (4 to 10 years income)
 – Rs. 1 crore in corporate fixed deposits and bank deposits
 – Ensure these are from high-rated institutions only
 – Choose monthly or quarterly interest payout options
 – Ladder the deposits for 3 to 5 year maturities
 – Taxation should be managed through 15H or by splitting under family members if possible



 Bucket 3 – Long-Term Growth and Backup (10+ years)
 – Rs. 1 crore in PPF and PF will remain safe and tax-free
 – Use interest from these accounts later in retirement
 – Keep some part in safe dividend-paying stocks
 – Choose mature, stable companies with 10+ year dividend history



 – Reinvest dividends into bank deposits if not needed now
 – Keep part of your stock portfolio intact to beat inflation
 – But avoid aggressive stocks or sector-based stocks



 – Keep a rebalancing rule every 3 years to shift excess profits to deposits



Income Streams Planning

You need regular income from age 57 to 85 or beyond.



Monthly expenses need to be estimated accurately.



Estimate cost of living at today’s value and account for inflation.



Let us say you need Rs. 1.25 lakhs per month now.



Your PF, PPF, FDs, MIS, SCSS, stock dividends can jointly support this.



Interest from SCSS, MIS, and FDs will form your early retirement income base.



Later, start using your PF, PPF maturity and stock profits.



Withdraw PF and PPF only after 65 or later, if possible.



This structure will ensure you never run out of money.



Insurance and Risk Coverage

At 52, health insurance is extremely important.



Please keep Rs. 25 to 50 lakhs individual health policy for yourself and spouse.



Check if super top-up plans are available to expand your cover.



Renew policies every year without gap. Choose lifelong renewability.



Keep Rs. 10 lakhs medical buffer in bank if you prefer not depending on insurer.



Term insurance is optional at this stage if your dependents are financially secure.



Since you are already financially independent, you may skip term cover.



Gold and Physical Assets

Your current plan includes buying 20 gm gold every year.



While gold offers value preservation, it does not provide income.



Keep gold allocation below 10% of total wealth.



Focus more on income-generating assets like SCSS, FDs, dividend stocks.



If needed, sell part of gold for children’s marriages. Use it only for real needs.



Tax Management in Retirement

Plan withdrawals in a tax-efficient way.



SCSS, MIS, FDs – interest is taxable. Spread across family accounts.



PF and PPF – completely tax-free.



Dividends from stocks are taxable as per your slab.



Keep annual tax-free limit in mind – Rs. 2.5 lakhs basic exemption (plus 1.5 lakh for senior citizens above 60).



Split investments in spouse’s name to save tax legally.



Track your Form 26AS and AIS for interest and dividend records.



File ITR every year without fail to maintain tax history.



Asset Protection and Nomination

Assign nominees for every investment and bank account.



Update EPF, PPF, stocks, FD and PO account nominations.



Write a will if your asset size is large.



Will should mention names of family members and asset distribution.



You can also explore joint holding to simplify post-retirement access.



Keep one asset register updated every six months.



Other Useful Points for Financial Peace

Sons’ marriage fund should be kept in short-term deposits or bonds.



Do not disturb your long-term assets for short-term expenses.



Avoid loans post-retirement. Stay debt free.



Track inflation every year and review income need accordingly.



Do a full review every 2 years with a certified financial planner.



Maintain lifestyle within income. Do not overspend on lifestyle upgrades.



Prefer spending from interest. Avoid touching principal till absolutely needed.



Keep mental peace by building a system-based financial plan.



Finally

You are already ahead in your retirement journey. Assets are in place. You need a structure now.

You want to avoid mutual funds, and that’s fine. The above strategy uses only deposits, PFs, stocks, and post office tools.

This gives you inflation protection, steady income, and safety.

Rebalancing every 3 years will help you stay aligned.

Please implement it step by step, not in one go. Stay in control always.

Live simply, spend wisely, and let your money work peacefully.



Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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