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Namita Piparaiya  | Answer  |Ask -

Yoga, Wellness Expert - Answered on Mar 13, 2023

Namita Piparaiya has an MBA degree and worked as a senior corporate executive for almost a decade before discovering her passion for yoga. In 2017, she founded Yoganama, a health and wellness platform that educates people about how they can take charge of their health through yoga and mindful practices.
Piparaiya has completed over 700 hours of Yoga Alliance certified training in Hatha Yoga from Indea Yoga, Mysore. She specialises in pranayama, Ayurveda, yoga philosophy and corrective exercises and regularly conducts training and educational programmes for individuals and corporate organisations.... more
Gagan Question by Gagan on Feb 24, 2023Hindi
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I am 45 years old, can you please suggest me a good exercise for heart. Right now there is no issue with me related to heart.

Ans: The best way to strengthen any part or organ of the body is to appropriately challenge it with moderate amounts of stress and to then give it time to recover. You put stress on the muscles by lifting weights at the gym and they grow stronger when you take time to recover. Same concept would apply to the heart - you would challenge it with appropriate and moderate amounts of stress with cardio-vasuclar activity and then give it enough time to recover. Sun Salutations and Vinyasa styles of Yoga would be suitable for that. These should be supported by regular Pranayama practices like Box Breathing and mindfulness practices like meditation and Shavasana. Alternatively, you can consult a fitness trainer for other fitness activities suitable for your specific body type and needs.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Hi Sir, I am currently investing in the following mutual funds for my retirement and my daughter's higher education. Please advise whether I should continue with these funds or make any changes. Self (44 yrs) - For retirement at the age of 52 years ICICI Prudential Equity & Debt Fund - Direct Plan - Growth - 1000/- Mirae Asset Emerging Bluechip Fund - Direct Plan Growth - 1000/- ICICI Prudential Bluechip Fund - Direct Plan - Growth - 1000/- SBI Equity Hybrid Fund - Direct Plan - Growth - 1000/- Nippon India SMALL CAP FUND - DIRECT GROWTH PLAN - 1500/- SBI Small Cap Fund-Direct-Growth - 1500/- Parag Parikh Flexi Cap Fund-Direct-Growth - 3000/- Axis midcap fund - Direct - Growth - 1000/- HDFC Defense Fund - Direct Growth - 3000/- Total = 14000/- Daughter1 ( 10 years - for her higher studies) HDFC Mid-Cap Opportunities Fund - Direct Plan - Growth - 1000/- Tata Equity P/E Fund Direct Plan - Growth - 1000/- SBI Gold Fund - Direct Plan - Growth - 1000/- Edelweiss Small Cap Fund - Direct Plan - Growth - 1000/- SBI Equity Index Direct - Growth - 1000/- Total = 5000/- Daughter2 ( 5 years - for her higher studies) ICICI Prudential US Blue chip Equity Fund - Direct Plan - Growth - 1000/- Axis Blue chip Fund - Direct Plan - Growth - 500/- Axis Mid Cap Fund - Direct Growth - 500/- SBI Flexi Cap Fund Direct Plan - 500/- Axis Small Cap Fund Direct Growth - 500/- HDFC Index Fund - Sensex - Direct Plan - 500/- HDFC Hybrid Equity Fund - Direct Plan - Growth - 500/- HDFC Gold Fund - Direct - Growth - 1000/- Total = 5000/-
Ans: You have a structured approach to investing. You are planning for retirement and your daughters' higher education.

A well-diversified portfolio helps in risk management and long-term growth. Let’s evaluate your current investments.

Retirement Portfolio Review
You are 44 years old and plan to retire at 52.

Your monthly SIP is Rs 14,000.

Your portfolio has large-cap, mid-cap, small-cap, hybrid, and thematic funds.

Positives
You have exposure to all market segments.

You are investing in equity for long-term growth.

You have a mix of aggressive and stable funds.

Areas of Improvement
Too many funds increase complexity.

Small-cap exposure is high, increasing risk.

Thematic funds may not align with retirement goals.

Recommendations
Reduce small-cap fund exposure for stability.

Consider increasing large-cap and hybrid allocation.

Thematic funds are unpredictable; review their role in your portfolio.

Higher Education Portfolio Review
Your elder daughter is 10 years old.

Your younger daughter is 5 years old.

You are investing Rs 5,000 per month for each child.

Positives
You are saving early, giving your investments time to grow.

You have diversified across equity, gold, and international markets.

Areas of Improvement
Gold funds do not generate high returns over time.

Index funds have limitations and do not adjust to market conditions.

Too many funds reduce portfolio efficiency.

Recommendations
Reduce gold fund exposure and increase equity allocation.

Replace index funds with actively managed funds.

Keep a balance between large-cap and mid-cap funds.

Final Insights
Your investment approach is disciplined and future-focused.

Reducing unnecessary funds will simplify your portfolio.

A balanced mix of large-cap, mid-cap, and hybrid funds will provide stability.

Regular reviews with a Certified Financial Planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

...Read more

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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