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Dr Vivek Mahajan  |40 Answers  |Ask -

Cardiologist - Answered on Apr 13, 2023

Dr Vivek Mahajan is an interventional cardiologist with over 10 years of experience.
He specialises in treating heart ailments and cardiac interventional surgeries.
He has been working as interventional cardiologist and electrophysiologist at Fortis Hospital since 2013.
Dr Mahajan has a postgraduate degree in interventional cardiology from the Post Graduate Institute of Medical Education and Research, Chandigarh, and a master’s degree in medicine from the All India Institute Of Medical Science, New Delhi.... more
SUMA Question by SUMA on Mar 27, 2023Hindi

i am 47 years old women, my triglycerides 360 and others cholesterol level are normal, how can I control this, pls suggest me, and I don't want to start statin medicine, is controllable and its ok to not taking medicine.

Ans: its not ok. Try a healthy diet for 3 months and if the levels remain high lifelong medications are indicated
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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Ramalingam Kalirajan  |5059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 14, 2024Hindi
I am 50 years old and my salary is 47000. My husband warns 1.5 lacs but we are in a process of divorce. I have only daughter her educational expanses are borne by her father. Till now I am having full medical facility from ny husbands company but I dont know whether divorce will be finalized or not. If divorce happens I wont get his medical facilities. I had started mutual fund 4000 sip in SBI flexi cap fund. I have lumpsum of 130000 in multi cap fund. I have also started sip in sbi contra and large and micap fund. I jave 40000 in multicap and sbi sensex fund in a different folio. I have a RD of 15000 per month which will mature in 2025 April. I have fixed deposit of 250000. I have invested 1.5 lacs in DBS Stock broker agency which give me monthly 12000 interest. Again I have gold of about 8 lacs. I dont have house or a car. I want to have a comfortable retirement and also travel. My only expanse now is to pay the lawyer average 3k per month. My job travel cost is 5k per month.So how should I manage my wealth.
Ans: Current Financial Situation
You are 50 years old with a salary of Rs 47,000 per month.

Your husband earns Rs 1.5 lakhs per month, but you are in the process of getting a divorce.

Your daughter’s educational expenses are covered by her father.

You currently receive full medical coverage from your husband’s company.

You are unsure if you will retain these medical benefits post-divorce.

Investments and Savings
You have a SIP of Rs 4,000 in a flexi-cap mutual fund.

You have Rs 1,30,000 invested in a multi-cap fund.

You have SIPs in contra and large & mid-cap funds.

You hold Rs 40,000 in a multi-cap fund and a Sensex fund.

You have a recurring deposit (RD) of Rs 15,000 per month, maturing in April 2025.

You have a fixed deposit (FD) worth Rs 2,50,000.

You invested Rs 1,50,000 in DBS Stock Broker Agency, receiving Rs 12,000 monthly interest.

You own gold worth Rs 8 lakhs.

Your average monthly lawyer fee is Rs 3,000.

Your job travel costs Rs 5,000 per month.

You aim for a comfortable retirement with the ability to travel.
Evaluation and Analysis
Diversified Investment Strategy
Your investment portfolio is diversified. You have SIPs in multiple funds, fixed deposits, and gold. This helps mitigate risks and ensures stability.

Mutual Fund Investments
Actively managed funds can outperform index funds due to professional management. Avoid direct funds, which might seem cheaper but lack expert guidance. Invest through a certified financial planner to maximize returns.

Fixed Deposits and Recurring Deposits
Fixed deposits and recurring deposits provide stability but offer lower returns compared to equity funds. Diversify further into equity to balance growth and security.

Stock Broker Investment
The Rs 1,50,000 investment yielding Rs 12,000 monthly interest is beneficial. However, ensure you understand the risks and sustainability of this return.

Gold Investment
Gold is a good hedge against inflation and adds to your diversified portfolio. Keep this investment as it provides liquidity in emergencies.

Emergency Fund
Maintain an emergency fund covering at least 6 months of expenses. Your FD and gold investments can act as a buffer, but consider keeping some liquid cash.

Health Insurance
Post-divorce, you might lose medical coverage. Secure a comprehensive health insurance plan for yourself. This will prevent financial strain due to medical emergencies.

Retirement Planning
Continue SIPs in actively managed funds for higher returns.

Increase SIP contributions if possible, especially in equity funds.

Consider diversifying into debt mutual funds for stability.

Evaluate the performance of your current funds annually and make necessary adjustments.

Travel Goals
Plan for travel expenses by setting aside a portion of your investments. Use the interest from your stock broker investment for travel, ensuring it doesn't impact your retirement corpus.

Legal Expenses
Manage legal expenses efficiently. Use part of your monthly income or interest from investments to cover these costs.

Final Insights
Your diversified investment strategy is commendable. Maintain this approach for balanced growth and stability.

Secure a health insurance plan post-divorce to safeguard against medical emergencies.

Continue and increase SIPs in actively managed mutual funds for higher returns.

Reevaluate your portfolio annually with a certified financial planner to stay aligned with your financial goals.

Set aside funds specifically for travel to enjoy a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Hi I am 31 yrs monthly income 95000. Home loan 30lakhs plus person loan 7lakhs doing a lic of 5000 per month and no other investment but have the balance salary gets used for monthly expenses can you pls help me to plan how to repay my home loan also my investment plan for retirement
Ans: You are 31 years old with a monthly income of Rs 95,000.

You have a home loan of Rs 30 lakhs and a personal loan of Rs 7 lakhs.

You are paying Rs 5,000 per month for LIC.

Your remaining salary is used for monthly expenses.

Financial Goals
Repay Home Loan
Investment Plan for Retirement
Repaying Your Loans
Home Loan Repayment
Increase EMI Payments: If possible, increase your EMI payments to reduce the loan tenure and interest cost.

Part-Payments: Make part-payments whenever you receive a bonus or extra income to reduce the principal amount.

Loan Restructuring: Consider restructuring your loan for better terms if interest rates decrease.

Personal Loan Repayment
Prioritize Personal Loan: Personal loans generally have higher interest rates than home loans. Focus on repaying this first.

Consolidate Loans: If feasible, consolidate your personal loan into your home loan for a lower interest rate.

Monthly Budgeting
Expense Management
Track Expenses: Use an app or spreadsheet to track your monthly expenses.

Cut Unnecessary Costs: Identify and reduce unnecessary expenses to increase savings.

Investment Plan for Retirement
Building an Emergency Fund
Emergency Fund: Save at least 6 months' worth of expenses in a liquid fund for emergencies.
Systematic Investment Plan (SIP)
Start SIPs: Invest a fixed amount monthly in mutual funds through SIPs. Diversify across large-cap, mid-cap, and multi-cap funds.

Consistent Investing: Invest consistently for long-term growth and compounding benefits.

Diversification and Risk Management
Diversified Portfolio: Create a diversified portfolio with a mix of equity, debt, and other instruments.

Regular Review: Review and rebalance your portfolio periodically to align with your financial goals.

Insurance Coverage
Health and Life Insurance
Adequate Cover: Ensure you have adequate health insurance and life insurance cover. Consider term insurance for life cover.
Professional Guidance
Consulting a CFP
Seek Advice: Consult a Certified Financial Planner (CFP) for tailored financial advice.

Avoid Mistakes: Professional guidance can help you avoid costly investment mistakes.

Final Insights
To effectively manage your loans and plan for retirement, focus on reducing high-interest debts first. Consistently invest in a diversified portfolio through SIPs and maintain a disciplined approach to savings. Seek professional advice from a Certified Financial Planner to ensure your financial goals are met with minimal risk.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |5059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

I am 34 years old. My salary 55k. I have a home loan of 35 lakhs monthly EMI 27k for 25 years from 2023. From April 2024 I started invested in mutual fund and index fund, sbi long term equity fund 2k, sbi Magnum global fund 2k, sbi focused equity fund 2k, sbi bluechip fund 2k, hdfc nifty index fund 3k, hdfc nifty bank index 3k. I want to invest for 20 years. Approx how much amount I got in 2055
Ans: You are 34 years old with a salary of Rs 55k per month.

You have a home loan of Rs 35 lakhs with a monthly EMI of Rs 27k for 25 years from 2023.

You started investing in mutual funds and index funds from April 2024.

Current Investments
SBI Long Term Equity Fund: Rs 2k per month

SBI Magnum Global Fund: Rs 2k per month

SBI Focused Equity Fund: Rs 2k per month

SBI Bluechip Fund: Rs 2k per month

HDFC Nifty Index Fund: Rs 3k per month

HDFC Nifty Bank Index Fund: Rs 3k per month

Investment Strategy
Consistency Over Time
Regular SIPs: Continue your SIPs regularly without interruptions.

Long-Term Horizon: Invest for at least 20 years to benefit from compounding.

Diversification and Risk Management
Diversification: Your portfolio is well-diversified across equity funds and index funds.

Risk Management: Monitor your funds regularly and rebalance if necessary.

Expected Returns
Growth Potential
Equity Mutual Funds: Historically, equity mutual funds have provided 10-12% annual returns.

Index Funds: Typically, index funds give returns close to the market average, around 8-10%.

Approximate Future Value
Assumptions: Assuming an average return of 10% per annum for your portfolio.

SIP Calculation: Use an SIP calculator to estimate the future value of your investments.

Analytical Insights
Importance of Monitoring
Regular Review: Review your portfolio at least once a year.

Adjustments: Make adjustments based on performance and changes in financial goals.

Professional Advice
Consult a CFP: For tailored advice, consult a Certified Financial Planner (CFP).

Avoid Mistakes: Professional guidance can help you avoid costly investment mistakes.

Additional Considerations
Emergency Fund
Liquidity: Ensure you have an emergency fund equivalent to 6-12 months' expenses.

Safety Net: This provides a financial cushion during unforeseen circumstances.

Insurance Coverage
Health Insurance: Ensure you have adequate health insurance coverage for yourself and dependents.

Life Insurance: Consider a term insurance plan for financial security for your family.

Final Insights
Your current investment strategy is sound, focusing on a mix of equity and index funds. Maintain consistency with your SIPs and monitor your portfolio regularly. Seek professional advice from a Certified Financial Planner to ensure your investments align with your long-term goals. With disciplined investing and proper planning, you can achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more

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