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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1145 Answers  |Ask -

General Physician - Answered on Mar 27, 2024

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
Asked by Anonymous - Mar 02, 2024Hindi
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Dear Madam, I am 51 married for 19 years. I have a daughter who is 18. We have no other kids. My wife had fear for pregnancy set in after her delivery. She never wanted to conceive again. Now I want to adopt a boy may be an infant. Is it possible and what is the best option?

Ans: Adoption has its own legalities. Particularly age of the parent wanting adoption. This is to make sure the child adopted to be settled before the adopted parent retire.
Another option could be to be a Godfather and sponsor a child's education and lufe
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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Anu

Anu Krishna  |1520 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 12, 2021

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I'm an orphan and somehow I'm financially stable. After Covid my wife also lost almost all her family members. So kind of both are orphans now. We want at least 10 children now and this is well thought decision. My wife is over 35 still recovering with post Caeserian trauma after our 1st child naturally our target is impossible now however best sex or ways we try. She too is ready for anything any relationship which can give us minimum 10 children (genetically ours) and adoption we'll consider only out of love and not this or other needs, to add family beyond 10 children, if possible. With nasty bad luck, we have no other choice except this well thought decision. Kindly help us know how we can achieve. We're ready for any sort of extra marital or any other relationships or surrogacy etc. Please help Anu ma'am.
Ans: Dear D, It is indeed a tough phase that you have been through.

Losing loved ones is very draining emotionally and I can only imagine the pain that you both feel.

Having said this, I am not about to question or judge why you want 10 children or the methods you want to achieve that number. That's your personal decision.

But my job as a Mind Coach is to point out that extra marital affairs and a pregnancy from that can lead to complicated relationship arrangements.

Who will care for the baby? Will three people co-parent?

How do you propose to deal with the emotional and developmental effects on the baby who has to understand who is are his/her parents?

Surrogacy is an option that you might want to look at considering that your wife is also over 35 years.

Adoption is worth considering if you look a giving another child a home and also you have a child within your family.

Whatever your decision, also consider the financial responsibilities of raising 10 children.

I am only giving you various perspectives and also suggest: Please speak to someone neutral; it could be a counsellor or a close friend where you can release your grief of losing your loved ones.

Sit with them and weigh this entire proposition and hear their objective thought process.

Whatever you decide, bring a child into your home and hearts knowing that you can give them a loving home, support and care.

If you are convinced after all deliberations, make a wise decision with your wife and raise that huge family that you are dreaming of.

Be a happy family.

..Read more

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Milind

Milind Vadjikar  |1030 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 17, 2025

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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....
Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest

...Read more

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