I am 42 years old female and working as Manager in a PSB bank since last 12 years. I am PG in Biochemistry and MBA in HR. Having small kids and do not want to be in this job anymore due to lots of pressure and unlimited timings. Kindly advise other options of job?

Ans: Look for jobs in your area. Contact your alumni, contact some placement agencies, look out for openings in the companies that you are interested in.

Ans: One option would be to do some short term courses like Digital Marketing or on Finance that could fetch you job in those areas. Another option would be to do correspondence professional courses like CFA and simultaneously work in that area.

Ans: Let's analyze your investment scenario and suggest possible adjustments:

Current Situation:

• Investment: Rs 50,000 monthly in equity mutual funds
• Tenure: 5 years
• Goal: Rs 2 crore for daughter's education and retirement
• Time Horizon: Assuming retirement in 20 years (when your daughter is 35)

Analysis:

• Accumulated Amount: Considering an average annual return of 12% (which is reasonable for equity funds over a long term), you would have accumulated approximately Rs 58.5 lakhs after 5 years.
• Gap to Goal: To reach Rs 2 crore in 15 years (remaining till retirement), you'd need an annual return of around 15%, which is achievable but might involve some volatility.

Recommendations:

• Increase Investment: To bridge the gap and account for potential market fluctuations, consider increasing your monthly investment by 15-20% to Rs 60,000-65,000.
• Review Portfolio: Ensure your equity fund portfolio is well-diversified across different sectors and market caps. This helps mitigate risk and capture potential growth opportunities.
• Consider Debt Funds: As your retirement nears, gradually allocate a portion of your investments (around 20-30%) to debt funds or hybrid funds. This provides some stability and reduces overall risk.
• Emergency Fund: Maintain an emergency fund of 3-6 months of your expenses in a liquid savings account or short-term debt funds to cover unexpected expenses.
• Regular Review: Review your portfolio periodically (at least annually) to assess its performance against your goals and make necessary adjustments.
• Remember: Investing in equity funds involves market risk, and returns are not guaranteed. It's essential to stay disciplined, invest for the long term, and consult with a financial advisor if needed.

Disclaimer: This analysis is based on assumptions and general market trends. It's always advisable to seek personalized advice from a qualified financial planner.

Ans: PPI cannot be for life long
Please consult a Nutritionist and undertake the dietary discipline

Ans: Station break down muscle protein
Definitely it brings down the muscular capacity and skills

Ans: How long are you on this medication?
Please check your BP an hour after medication
Fix a particular time preferrably 8 am to have your medicine
Get your Blood sugars checked

Ans: Hi
there are chances of getting a college at this score.
Narayan Medical College & Hospital, Sasaram
Lord Buddha Koshi Medical College and Hospital, Saharsa
Shree Narayan Medical Institute and Hospital,

Ans: Look into lifestyle modifications

Ans: Dietary discipline
Avoid deep fried food
Have early dinner by 6 pm
No refined carb and sugars
Regular brisk walks