59-Year-Old Male With Lichen Planus: Seeking Advice for Slow Healing

Ans: Hello;

I do not know your allocation to the ulip funds but it is giving you an XIRR of around 9.5% which is good(tax free).

Also the maturity proceeds of your ulip investment won't invoke any LTCG tax.

You may review the choice of funds in ulip plan with your insurance advisor.

I recommend you to continue with this investment alongwith other investments.

Best wishes;
X: @mars_invest

Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
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Radheshyam

Ans: Hello;

1. Gold(precious metals) is considered a relatively stable asset class having a negative correlation with equities. So it is advisable to have 10-15% allocation to Gold in your portfolio preferably through SGBs or gold mutual funds.


2. PPF is a social security scheme designed for people not covered under EPF/GPF. Ofcourse anybody can invest in it.

It's an E-E-E type of scheme. Tax exempt at the stage of investment (1.5 L max in a FY), interest earned and withdrawal.

Tax free and risk free 7.1% return is quite decent. Also since it's a social security scheme if suppose it's investor goes bankrupt even in that case the creditors cannot touch PPF money for recovery.

Having said this, it is your choice whether to invest in them or somewhere else.

Best wishes;
X: @mars_invest

Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Get a urologist to see you

Ans: You need to do a combined consult ..there are some medicines which may be overlapping

Ans: Ok

Ans: If you are able to lose weight with a good exercise and dietary measure with a targeted weight loss of 10% , you can stay off medicines but this has to happen under the guidance of a doctor

Ans: We don’t have a vaccine against it and influenza doesn’t protect against this.
Masking up and avoiding crowded areas are the only way to minimize transmission