Home > Career > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

MBA in HR but no job? Help for my daughter.

Patrick Dsouza |826 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Sep 09, 2024

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Asked by Anonymous - Sep 09, 2024Hindi

Career

Sir, my regards, my daughter has completed her MBA in HR specialisation this year 2024 , she is not getting appropriate jobs for HR , what do we do , please advise.

Ans: Let her take up whatever job she gets and she can then look for better jobs. In the meantime she can gain some experience. I had couple of HR MBA graduates working for me as counsellors in an educational Institute (they were not getting better jobs). Over a period of time they moved to proper HR roles as Asst Mgr HR in an MNC.

You may like to see similar questions and answers below

Mayank Kumar | Answer |Ask -Follow

Education Expert - Answered on May 09, 2023

Question by Devendra - May 06, 2023Hindi

Career

Mr kumar,my daughter is going to complete her final year bba this month. What options are available to her after this. She is interested in HR. Please suggest

Ans: There are ample opportunities for right from HR executives who look after the operations of the HR department, HR analysts, Talent Acquisition Specialist, Training and Development Specialist and HR business Partners. She should start looking for internships to further her knowledge and then move into an area of expertise

Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Feb 18, 2024

Asked by Anonymous - Jul 23, 2023Hindi

Career

Hello Mayank, My daughter is LLB AND company Secretary(Executive Level) but she is not getting any job either in Law firms or in the company. What can be done now. She is depressed and mentally upset.

Ans: She has very good academic credentials and will definitely get a good job. Ask her to remain positive and keep herself engaged in engaging activities. Meanwhile search for job through social media platforms and job sites

Nitin Sathe | Answer |Ask -Follow

HR, Recruitment Expert - Answered on Sep 04, 2023

Asked by Anonymous - Aug 24, 2023Hindi

Career

Dear Sir/Madam, my daughter has just completed her MSC in HRD & Organisational Psychology. Since many companies have frozen hiring, what chances she has in your opinion to land a good job with suitable profile in commensurate with her qualifications. Please advise. Regards, SM

Ans: Why don’t you try and get her an admission to the Defence Institute of Psycological Research at Delhi? I do not have any other advise other than keep trying!

Patrick Dsouza |826 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 06, 2024

Asked by Anonymous - May 05, 2024Hindi

Career

My daughter has done bsc in math, next she did mba hoping that she will get a job business analyst or data analyst but sbe is not getting any jobs other than sales which she is not interested in. What to do now?

Ans: Two options, keep applying but broad base your application by applying to more companies and more placement agencies. Secondly look for other jobs like Digital Marketing or Similar profiles that could interest her.

Latest Questions

Ramalingam Kalirajan |6598 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

Money

Hi sir I am 31 I want to invest 15000rs / per month can you suggest me market linked policy or sip is better to invest or is there any other way for 25years I want amount in 2crores

Ans: You are 31 years old, and your goal is to accumulate Rs 2 crore by investing Rs 15,000 per month for 25 years. It’s a great initiative to plan long-term, and it opens up a number of possibilities to meet your target.

When we consider the investment options between a market-linked insurance policy and a Systematic Investment Plan (SIP), there are several factors to evaluate. Each has its own strengths and weaknesses, but let’s break it down in detail.

Understanding Market-Linked Insurance Policies
Market-linked insurance policies like ULIPs (Unit Linked Insurance Plans) are insurance-cum-investment products. While they offer both market exposure and life cover, there are key things to note:

Insurance and Investment Combined: A ULIP offers life insurance and market-linked returns. However, due to this dual nature, you may face high fees.

Higher Costs: The charges in ULIPs are often higher. These include premium allocation charges, mortality charges, and fund management fees. These reduce your investible amount, affecting long-term returns.

Complex Structure: Since a portion goes towards insurance, the investment component may be lower. This makes it harder to track and evaluate returns clearly compared to a simple investment product.

Lock-in Period: ULIPs come with a mandatory lock-in of 5 years. However, exiting early could lead to penalties, which might affect your flexibility.

If your goal is purely to grow wealth and achieve Rs 2 crore over 25 years, ULIPs may not be the best option due to the high costs and complex nature.

Exploring SIPs (Systematic Investment Plans)
On the other hand, investing in SIPs through mutual funds is a transparent and flexible approach. SIPs provide an opportunity to invest a fixed sum regularly into market-linked instruments, generally equity or debt funds.

Lower Costs: SIPs in mutual funds have significantly lower costs compared to ULIPs. You only pay an expense ratio, which is reasonable for actively managed funds.

Flexibility: You can stop, increase, or decrease your SIPs anytime. This gives you more control over your financial strategy.

No Insurance Component: SIPs focus purely on wealth accumulation, unlike ULIPs that mix insurance and investment. You can buy a separate term insurance policy for life cover at a much lower cost than what ULIPs offer.

Power of Compounding: With consistent SIPs in equity mutual funds, you benefit from the power of compounding. Over 25 years, this could help you reach your goal of Rs 2 crore.

The Disadvantages of Index Funds
Though index funds are a popular investment option, they might not align perfectly with your long-term goal.

No Active Management: Index funds are passively managed, meaning they simply track a market index like Nifty or Sensex. This limits the scope for better returns through stock selection.

Lower Flexibility: Actively managed funds have the advantage of adjusting the portfolio based on market conditions. An index fund cannot do that, limiting your ability to outperform the market during favorable times.

The Benefits of Actively Managed Funds
Instead of opting for passive index funds, investing through a regular plan in actively managed funds via a Certified Financial Planner (CFP) could give you an edge. Here’s why:

Expert Management: A fund manager makes decisions based on market analysis and economic conditions. This could result in better returns over time, especially in a long-term investment like yours.

Diversification: Actively managed funds offer diversification across sectors and industries, spreading your risk while enhancing potential returns.

Goal-Oriented Strategy: A CFP can help you select the right funds based on your time horizon, risk profile, and financial goals.

The Disadvantages of Direct Funds
Many investors get attracted to direct mutual fund schemes due to the slightly lower expense ratio. However, this option might not always be the best:

Lack of Guidance: In direct funds, you don’t have the expert advice of a CFP. Without proper guidance, you could miss out on strategic fund selection or portfolio management.

Emotional Investing: With direct funds, the risk of making emotional investment decisions increases, as you’re more involved in the process without expert advice.

It is always beneficial to invest through regular funds with the help of a CFP, who can guide you with a disciplined approach to wealth creation.

Suggested Strategy for Rs 2 Crore Target
If your goal is to accumulate Rs 2 crore in 25 years, SIPs in equity mutual funds will be a much better option than a market-linked insurance policy. Here’s how you can approach it:

Focus on Equity: For such a long horizon, invest a major portion (around 70-80%) in equity mutual funds. Equities offer higher growth potential over the long term compared to other asset classes.

Diversify: Consider diversifying across large-cap, mid-cap, and small-cap funds to balance growth and stability. This ensures that you capture market growth in different segments.

Increase Your SIP Gradually: Start with Rs 15,000 per month and increase it every year, even by Rs 1,000. This will help you boost your investment over time, benefitting from the power of compounding.

Monitor Performance: While SIPs work well in the long term, review your portfolio regularly with the help of a CFP. This helps in making necessary adjustments based on market performance.

Importance of Life Insurance
Since you are considering market-linked policies, it is important to note that if you are opting for SIPs, you still need life insurance.

Get a Term Insurance: A term insurance plan will provide adequate life cover at a low premium. It is the best option to protect your family in case of any unforeseen circumstances.

Separate Investment and Insurance: Keep your investment and insurance needs separate for better control and returns. Focus on wealth-building through SIPs and protection through term insurance.

Final Insights
Considering your goal to accumulate Rs 2 crore over the next 25 years, SIPs in equity mutual funds offer a transparent, cost-effective, and growth-oriented solution. Avoid market-linked policies due to their high charges and complex structure.

Focus on regularly investing through a combination of large-cap, mid-cap, and small-cap funds. This diversified approach will help you achieve your goal with controlled risk. Keep insurance and investment separate, opting for a simple term plan for life cover.

Review your portfolio with a Certified Financial Planner, who can guide you in making the right choices and staying on track for your financial goals. With consistency, discipline, and strategic planning, you can comfortably reach your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Milind Vadjikar |408 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 12, 2024Hindi

Money

HI, I am 40 years only and my monthly income is 3 lacs. I have a corpus of 1 cr. Of mutual funds. I have been investing from last 7 yrs. Now I have reached to a monthly SIP of 2 lacs. I want to retire in the age of 60 please advise how can I build a corpus of 10 cr in 10 yrs. Also, recently I have purchased a house of 1.3 Cr and paid 30% from my saving. I will have emi's starting in next 3 years at the time of possession. Should I take home loan then or should I put more money from my then corpus to reduce the total emi. Kindly advise.

Ans: Hello;

It makes prudent practical sense to utilise your corpus to reduce the loan EMI as much as possible.

You should work to maximise your gains not that of the lending agency.

If you continue your monthly sip of 2 L for the next 15 years, you may achieve a corpus of 10 Cr assuming modest return of 12%.

If you are keen to achieve 10 Cr target in 10 years then you must top-up the monthly sip amount(2L) by 20% each year upto 10 years after which you may accumulate corpus of 10 Cr+.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ramalingam Kalirajan |6598 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

Money

Hello Sir, i have gone through the below articles and thought of asking an advice and infeel.its right forum . I Have 45lac PF and 50 lack deposites , also i have verious MF 10 lackh, NPs 6+ Lakck, SBI elight scheme 10 lack, Axis I paid 5 lakh like every year 1 lakh i pay for 10 years , sbi mutual sip/insurance 6+ lakh , also , 50 lack worth of plot. My ask now, sir is it right time to buy a car worth of 27 lakhs with the down payment of 10 lakh (.which i have additional ) or am taking a risk?? I have currently home loan for 9 lakhs which i pay 25k per month ( the home property cost may be 1.2 cr) ??am not sure am.i clear with all details.. please advice sir..

Ans: Let’s first look at the assets and liabilities you currently have:

Provident Fund (PF): Rs 45 lakhs
Fixed Deposits: Rs 50 lakhs
Mutual Funds: Rs 10 lakhs
National Pension Scheme (NPS): Rs 6 lakhs
SBI Elite Scheme: Rs 10 lakhs
Axis policy: Rs 5 lakhs (paying Rs 1 lakh per year for 10 years)
SBI Mutual SIP/Insurance: Rs 6 lakhs
Plot of Land: Rs 50 lakhs
Home Loan: Rs 9 lakhs (EMI of Rs 25,000 per month)
You also mentioned that you have an additional Rs 10 lakhs which you are considering for a down payment on a new car worth Rs 27 lakhs.

This is a very good base of financial assets. Let’s assess whether buying a car right now is a wise decision based on your current financial standing and future needs.

Evaluating the Car Purchase

Buying a car is often an emotional decision, but it’s also a big financial commitment. You’re considering a down payment of Rs 10 lakhs for a car worth Rs 27 lakhs. Let’s break down the key factors:

Liquidity Impact:
You plan to use Rs 10 lakhs from your available funds for the car down payment. This amount is a significant chunk of your liquidity. Reducing your liquid cash could make it harder to cover any unexpected expenses.

EMI Commitment:
If you finance the remaining Rs 17 lakhs, your EMI could be between Rs 35,000 to Rs 40,000 per month (assuming a typical car loan tenure and interest rate). This would add to your current EMI of Rs 25,000 for the home loan, bringing your total EMI commitment to around Rs 60,000 to Rs 65,000 per month.

Total Monthly Outflow:
You may want to consider your total outflow, including living expenses, EMIs, and any other financial responsibilities. It’s crucial to ensure that your monthly cash flow can comfortably accommodate all these commitments without stretching your budget.

Asset Depreciation:
A car is a depreciating asset. Over the years, its value will decline, and it will not contribute to your wealth-building efforts. Meanwhile, your existing investments like mutual funds, PF, and NPS will continue to grow in value.

Alternative Use of Funds:
The Rs 10 lakhs down payment could alternatively be invested in a high-return investment option. Over time, this could help you achieve long-term financial goals more effectively.

Assessment of Current Loan Situation

You currently have a home loan of Rs 9 lakhs, which is manageable. The property’s value (Rs 1.2 crore) far outweighs the loan, which is positive. However, adding another loan in the form of a car EMI will increase your monthly financial burden.

At present, you are paying Rs 25,000 per month for the home loan. If you go for the car loan, the total EMI commitment will rise significantly. It’s important to ask yourself if you are comfortable with this higher commitment.

Insurance Policies: Reviewing SBI Elite Scheme and Axis Policy

Both the SBI Elite Scheme and Axis Policy require attention. These are investment-cum-insurance products, and such products often do not deliver the best returns. They also come with higher costs and offer limited flexibility in terms of withdrawals.

SBI Elite Scheme: You have Rs 10 lakhs invested here. While it may have some insurance benefits, the returns might not be competitive compared to mutual funds or other pure investment products.

Axis Policy: You are paying Rs 1 lakh annually for this policy. Over 10 years, you will have contributed Rs 10 lakhs. It’s important to check if the returns are aligned with your goals.

Consider reviewing both policies with the help of a Certified Financial Planner to assess if continuing them is beneficial. If they are underperforming, you may want to consider surrendering them and reinvesting in more flexible and higher-return instruments like mutual funds.

Asset Allocation and Diversification

You currently have a good mix of assets, including:

Fixed Deposits
Provident Fund
Mutual Funds
NPS
Real Estate
However, it’s important to ensure that your asset allocation aligns with your risk tolerance, liquidity needs, and future goals. For instance:

Fixed Deposits:
While safe, they offer lower returns compared to mutual funds or equities, especially in the long run. As inflation rises, the real returns on fixed deposits diminish.

Provident Fund and NPS:
Both these assets offer long-term growth but have limited liquidity. They are ideal for retirement planning, but you cannot rely on them for immediate needs like the car purchase.

Mutual Funds:
Your mutual fund investments of Rs 10 lakhs are valuable growth assets. However, you could review their performance and consider reallocating to more actively managed funds for better returns.

Car Purchase: Is It a Risk?

To answer your direct question: Is buying the car right now a risk? Based on the analysis, here’s what I think:

Monthly EMI Burden:
The new car EMI will significantly increase your monthly outflow. It’s essential to ensure that you can comfortably afford this without compromising your savings or future investments.

Impact on Liquidity:
The Rs 10 lakhs down payment will reduce your liquid reserves. You still have FDs, but those might be tied up for long periods or may not give the best returns if broken early.

Wealth-Building Impact:
Investing the Rs 10 lakhs in growth assets like mutual funds could help you build wealth faster. A car, being a depreciating asset, will not contribute to wealth creation.

If the car is a necessity and you have carefully assessed your cash flow, you could go ahead. But if it’s a desire that can wait, consider postponing the purchase. Instead, focus on building more liquid wealth to cover future goals like your home loan repayment or emergency needs.

Final Insights

Buying a Rs 27-lakh car is a significant financial decision. While you have a strong financial base, the added EMI burden and liquidity impact should be considered carefully.

Your existing investments are solid, but there’s room for optimization. I would recommend revisiting your insurance-cum-investment policies. A Certified Financial Planner can help review these and guide you toward better investment strategies.

Consider delaying the car purchase if it’s not urgent. Use the Rs 10 lakhs for investments that could offer better returns over time. This way, you’ll strengthen your financial position and have more flexibility for future big-ticket purchases.

In short: Evaluate your monthly cash flow and risk tolerance. If you're comfortable with the increased EMI, go ahead. But, if you feel stretched, it’s better to wait and focus on building more liquid assets.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ramalingam Kalirajan |6598 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

Question by Somiya - Oct 15, 2024Hindi

Money

Sir, I have a net salary of 1.73 lac per month and my age is 38. My son is 2 years old & yet to start his education. My monthly EMI stands at 1.4 lac appx. My current savings stands at: PPF - 4 lacs, MF - 6 lacs, PF - 24 lacs, NPS - 8 lacs, and liability stands at: Personal Loan - 52 Lacs & Bike Loan - 5 lacs. I am targeting to close all loans by 2029 (5 years from now). I am investing 14k monthly in the following mutual fund: Mirae Assest ELSS - 2k, Kotak Emerging Equity - 2k, Axis Small Cap - 2K, Parag Parikh Flexi Cap - 2k, Axis Midcap - 2k, Canara Robeco Bluechip Equity - 2k, Quant ELSS - 2k. I have a health insurance of 1Cr & a Term Insurance of 1Cr. My main questions to you are how can I clear my debt as early as possible & also let me know how can increase savings for my retirement and my child's education & future?

Ans: You are managing a significant loan burden. Clearing this early will offer peace of mind. Your current EMI of Rs. 1.4 lakhs per month is a large portion of your income.

To clear your personal loan and bike loan faster, follow these steps:

Prioritise High-Interest Debt: Focus on your personal loan first. Personal loans often have high-interest rates. Divert any surplus funds to repay this loan.

EMI Boost Strategy: Whenever possible, make lump-sum payments. Even if you increase your EMI slightly, it will reduce the tenure.

Minimise New Loans: Avoid taking on any new loans until you clear the existing ones.

Balance Expenses: Since your EMI is quite high, it’s important to track and reduce any unnecessary expenses. Create a budget and stick to it.

Enhancing Savings for Retirement and Child's Education

It’s wise to think of both short-term debt and long-term goals, like your retirement and your son’s education. You already have a good base of savings in PF, NPS, and mutual funds.

Increase PF and NPS Contributions: Since PF and NPS are long-term and tax-efficient, aim to gradually increase your monthly contributions. This will boost your retirement corpus.

Focus on Child’s Education: Start investing separately for your son’s education. Choose a child-focused investment plan, either through mutual funds or PPF. Avoid mixing education and retirement goals.

Systematic Savings: Consider setting up a recurring deposit or another fixed saving plan to save for short-term needs, like your son’s school fees.

Review of Mutual Fund Portfolio

You are investing Rs. 14,000 monthly in mutual funds, which is a great habit. However, let’s refine your strategy for better results.

Diversify with Caution: You are invested in several funds. While diversification is good, over-diversification may dilute your returns. Consider reducing the number of funds to focus on the best-performing ones.

Actively Managed Funds: Actively managed funds tend to outperform passive index funds. The advantage lies in the fund manager’s ability to beat the market. This is especially important in the long run.

Taxation on Gains: When you sell equity mutual funds, be aware of capital gains taxes. LTCG (Long-Term Capital Gains) above Rs 1.25 lakh are taxed at 12.5%. STCG (Short-Term Capital Gains) is taxed at 20%. Ensure you plan your redemptions wisely to minimise tax liabilities.

Reassessing Debt-to-Investment Balance

Currently, your loan EMIs are significantly higher than your investments. It is crucial to realign this balance over the next five years. Here’s how you can gradually shift the focus from loan repayment to investment:

Debt-Free Timeline: You aim to be debt-free by 2029. It’s realistic, but you should consider accelerating this process. Once you clear your bike loan, redirect those funds toward the personal loan.

Increase SIPs Over Time: As you repay your loans, free up more funds for savings. Gradually increase your SIP amounts. Investing regularly will allow you to take advantage of market growth over time.

Build Emergency Fund: Since your EMIs are high, ensure you have at least 6 months of expenses saved in a liquid fund. This will protect you from unforeseen events.

Life and Health Insurance Adequacy

You have Rs 1 crore health and term insurance cover. That’s commendable for a 38-year-old with a young child.

Review Insurance Coverage: Ensure that your term plan covers your family’s living expenses, education costs, and liabilities. Ideally, your term insurance should be at least 10-15 times your annual income.

Health Insurance Adequacy: A Rs 1 crore health cover is good. Keep reviewing it periodically, as healthcare costs can rise.

Boosting Retirement Savings

Given your age of 38, you still have a good 20-25 years to build a robust retirement fund. Focus on these areas:

PPF Contributions: Your PPF balance stands at Rs 4 lakhs. Continue contributing to it, as it provides guaranteed, tax-free returns.

NPS Contributions: You have Rs 8 lakhs in NPS, which is a strong base for retirement. NPS provides tax benefits and is structured for retirement savings.

Mutual Fund Portfolio: As mentioned earlier, streamline your mutual funds. Continue increasing your SIP contributions. Equity funds will help you achieve long-term growth for retirement.

Final Insights

Your financial planning is on the right track. But there are opportunities to accelerate debt repayment, optimise savings, and fine-tune your investments. Focus on a balance between loan repayment and building a solid financial future for yourself and your family.

Here’s a summary of the steps ahead:

Prioritise high-interest loan repayments, especially the personal loan.

Continue investing in your PF, NPS, and PPF for long-term growth.

Increase your SIP contributions once your debt is under control.

Build a separate education fund for your son’s future needs.

By doing this, you can achieve your debt-free timeline, build savings for retirement, and secure your son’s education.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |6598 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 15, 2024

Question by Prathaap - Oct 09, 2024Hindi

Money

Sir, an Huf consists of Husband and wife, is not accepted by the Bank for opening a Savings account stating that wife is only a member not a coparcener in the entity, kindly clarify Prathaap

Ans: Banks may reject opening a savings account for an HUF consisting only of a husband and wife because, under Hindu law, the wife is not considered a coparcener in the HUF. A coparcener is someone who has birthright ownership in the HUF property, which traditionally includes male members. While the wife is a member of the HUF, she does not have the same rights as a coparcener, leading to the bank's refusal.

For an HUF account, it typically requires the presence of a coparcener, such as a child.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Dr Chandrakant Lahariya |2 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 15, 2024

Question by RANJAN - Sep 10, 2024Hindi

Health

Hello ! My fasting sugar is 140 and after BF sugar goes to 140-210. I am taking metformin sr.500 mg in Morning and 1000 mg at Night. Still not stable. Please advise what else to do. I do brisk walking and jogging and diet is mostly fruits and vegetables.

Ans: The level of blood sugar you have indicated are suggestive of diabetes mellitus type 2 and the metformin you are taking is clearly insufficient.

Ofcourse, need to have more dietary modifications and increased physical activity. Get body weight within normal range (please see previous answer if you wish to understand more).

Please do following:
1. A comprehensive blood test. Specially when people have diabetes, there are chances of high Bp, deranged lipid profile. and other blood parameter changes.
2. Please get HbA1c done along with fasting adn 2 hr after breakfast blood sugar levels.
3. Your medications need to be increased as currently, the sugar levels are high. There is a concept called, legacy effect. which essentially mean a tight and early control in blood sugar results in better diabetes outcome in long run. The Hba1c should be less than 7, preferably around 6.5% to reduce the possibility of macro and microvascualr complications of diabetes.
4. Do charting of your blood sugar level for some time, with Glucometer. May consider CGMs (Continuous Glucose monitoring), which provides 14 day reading for every five minutes of sugar level in once body. This may help a physician to suitably modifiy your medication.
5. Visit a physician with above set of information.

Best wishes,
PS: In such queries, mentioning age, duration of diabetes, BMI/Body Fat, height, weight and BP can help in providing more personalised information.

Milind Vadjikar |408 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 12, 2024Hindi

Money

How to get my EPS as the Employer is not cooperating

Ans: Raise a grievance with EPFO. They will offer you suitable solution to this problem.

Milind Vadjikar |408 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 12, 2024Hindi

Money

Hi Sir, I am 34 and working in software industry..My income is around 4 lakh per month from salary..I have 2 crore in mf,25 lakh in stock / crypto,1.05 cr in FD,35 lakh in pf..I want to retire early .I My monthly expenditure is around 75k / month.I have rental and agricultural income of 50k.. I don't have any ongoing loan.. How soon can I plan my retirement what should be corpus amount to live my life comfortably and beat the inflation . Thanks

Ans: Hello;

Please consider following aspects before considering retirement from 9 to 5 regular job:

1. Do you have your own house?
2. Do you have a family to support, if yes the expenses will multiply manifold apart from inflationary hikes, are you prepared to handle this?
3. What alternate vocation or profession you plan to pursue in lieu of regular job so as to keep yourself engaged, not necessarily for money, but to keep mind and body occupied towards a passion/profession?

You need to seek answers to these for your own contentment.

Now coming back to your query, you may do a monthly sip of 2.5 L in pure equity mutual fund. This may yield you a corpus will of 2.73 Cr after 6 years.

The existing MF corpus(2 Cr) will grow into a sum of 4.16 Cr in 6 years. (13% return assumed on all pure equity MF investments)

PF corpus of 35 L will grow into a sum of 55.54 L in 6 years. 8% return considered.

The stock/crypto corpus may grow into a sum of 41.93 L in 6 years. 9% return assumed.

FD may grow to 1.58 Cr after 6 years. 7%return assumed.

So cumulative corpus after 6 years will be: 273+416+158+41.93+55.54=~9.44 Cr.

This corpus if you invest in an equity savings type mutual fund(low to moderate risk)and do an SWP at the rate 3% per year it will translate into post tax monthly income of 1.65 L.

Agri/rental income will be a bonus.

I hope you have sufficient term life cover with suitable riders and also health care cover for yourself and family.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Dr Chandrakant Lahariya |2 Answers |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Oct 15, 2024

Question by Sishir - Jul 24, 2024Hindi

Health

I was taking Telma 40 AM for three months as advised by my Dr. During that time my BP dropped to 90/60 during the day time also. So my Dr. reduced the dose and advised me to take Telma 40. After starting Telma 40 and daily monitoring, my BP has gone up to 130/100 in the morning time after getting up. I have done all the necessary tests and all the reports are fine. What would be the best suggestion for me to do? Kindly advise.

Ans: Shishir,
Your age and other comorbidities/health issues you may have are not clear to me. How much you weigh and your height etc are not known).
However, please remember that anti-hypertensive medications are always supportive to lifestyle modification. Please do following:
1. Get a comprehensive blood test done which should include lipid profile, kidney function test and thyroid profile etc.
2. Ensure your weight is within normal range: for male, ideal weight is height in cm- 100 . for example, if you are 170 cm then your weight should be 170-100 or 70 kg. Thus enusre you have weight in normal range.
3. Do lifestyle modifications. eat healthy- fruits and vegetables, reduce salt in diet and walk at least 30 min per day for atleast 5 days a week. No more than 2 days of break.
4. Monitor BP twice in a day and prepare a chart for 10 days.

Based upon this information, a personalised lifestyle modification can be done.

With this information, and for your routine check up, visit your physician on regular basis.

Samraat Jadhav |2065 Answers |Ask -Follow

Stock Market Expert - Answered on Oct 15, 2024

Question by Vijaykumar - Oct 14, 2024Hindi

Money

I have physical share of TCI and GATI CORP which I have still not dematted can I demat them now, as the deadline set by SEBI of 30/09/2024 is over. If as per SEBI I am unable to demat them , then what happens to my shares. Please advise me. Your suggestions will be highly appreciated.

Ans: you can still dmat it, the only thing is that you cannot sell it if it is in physical form.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

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

Sign up

email

uname

mobile no

Country Code

Mobile number

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

Already have an account?

LOGIN

x