39 with blood sugar 84 and Hba1c 6.1: Is my diet okay?

Ans: HbA1C as 7.5 is, definitely in the diabetic range
If you have got this report first time then please review your lifestyle and follow life style modification strictly which includes dietary discipline and Regular exercise
Repeat your testsaftertwomonthsand see

Ans: This is in the diabetic range
May be you will have to look at your dietary discipline

Ans: considering that you are getting loan at 5.5% flat rate for 7 years you can consider 2 ways to do it. one is to pay a 3.5 down payment and put 5 Lakh in MF. You can consider index funds, which will reduce the risk and provide 12 to 14 % returns. your 5 Lakh will become about 8 lakh. you pay installments from your regular income. This way, after 6 years, you can have about 9 lakh in your account, and you can withdraw 6k per month for fuel expenses for a lifetime. . second, pay installments from your MF account by SWP, and you will have about 3 Lakh left in account at end of loan.

Ans: Hello;

If you continue your monthly sip of 1 L for the next 15 years it will yield you a corpus of 5 Cr+. (Modest return of 12% considered)

SSY & PPF both will yield you a corpus of 1 Cr+ if held and invested(1.5 L pa each) for 15 years.

The best asset class to fight inflation is equity. But it also has huge fluctuations in the short to medium term and also over long term to an extent.

So you have to have optimal allocation to it in your overall investment portfolio.

However their should be calibrated approach to tweak your asset allocation in favour of debt, gold and such other relatively stable asset classes, as your age advances.

Seek help of an mutual fund distributor or investment advisor who can help you on this aspect.

Happy Investing!!

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

Ans: Hello Ashim,

Thank you for reaching out. I recommend consulting a physiotherapist for a personalized assessment and treatment plan. Based on your description of left-side back pain that worsens during sleep, it’s essential to examine your sleeping position and mattress quality. If you sleep on your back, try placing a pillow under your knees to maintain the natural curve of your spine. For side sleepers, a pillow between the knees can help keep the hips aligned. It’s also important to evaluate your mattress; a medium-firm option is typically best for support. Incorporating gentle stretches, such as Child’s Pose and knee-to-chest stretches, can help relieve tension, while strengthening exercises for your core and glutes will further support your back. Wishing you a swift recovery!

Ans: walking and diet will not be enough.
Please consult a physician and start medication as well

Ans: Increase the medication.
You need atleast two medicines and modifications in lifestyle by diet and physical activity.
Follow DASH diet.

Ans: Hello;

You will need to enhance your monthly sip amount to 20 K and invest in a combination of pure equity mutual funds.

You may divide sip amount equally between flexicap type mutual fund (PPFAS) and Large and Midcap type mutual fund (Kotak Emerging Opportunities).

You may reach your intended corpus sum of 2 Cr at the end of two years. (12% return considered).

Happy Investing!!

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