I am 60 Yrs. often feel drowsiness. Night sleeping 6 hrs. still I feel short why? Checked RBS its 140 and hba1c is 6.2. No sugar symtoms. Pl advice how to avoid drowsiness during day time.

Ans: It's great to see your diversified portfolio. While your current investments seem well-distributed across various sectors and fund types, it's always a good idea to periodically review and reassess your holdings.

For one-time investments, consider evaluating the performance and future prospects of each fund. Are they aligned with your investment goals and risk tolerance? You might want to assess if any fund's objectives no longer match your investment strategy.

Regarding SIPs, you have a mix of large-cap, mid-cap, small-cap, and sectoral funds, which is commendable for diversification. However, keep an eye on the performance of each SIP and consider rebalancing if necessary.

As for new investments, consider funds that complement your existing portfolio while providing exposure to sectors with growth potential. Research and consult with a financial advisor to identify funds with strong track records and promising outlooks.

Remember, regular review and adjustment are key to maintaining a healthy and optimized investment portfolio.

Ans: It's excellent that you're thinking ahead about your career and exploring possibilities for early retirement. Taking up courses or certifications can indeed enhance your skill set and open up new opportunities beyond the banking sector.

Consider courses related to finance, leadership, or even entrepreneurship, depending on your interests and long-term goals. Have you thought about networking within your industry or attending seminars and workshops to stay updated with the latest trends and opportunities?

Remember, early retirement is not just about leaving your current job but also about preparing yourself for the next chapter of your life. With careful planning and continuous learning, you can pave the way for a fulfilling and rewarding transition.

Ans: Mr. Ramana. Planning for retirement is a significant milestone, and it's great that you're considering your options wisely. Given your desire for a steady monthly income post-retirement, have you explored mutual funds that offer regular income through Systematic Withdrawal Plans (SWPs)?

When choosing a fund, it's essential to consider factors like your risk tolerance, time horizon, and liquidity needs. Have you thought about diversifying your investments across asset classes to manage risk effectively?

Additionally, have you considered consulting with a Certified Financial Planner to tailor a strategy that aligns with your retirement goals? With careful planning and the right guidance, you can create a sustainable income stream that supports your post-retirement lifestyle.

Ans: It's fantastic to see your commitment to securing your financial future at such a young age! Your Mutual Fund portfolio shows a good mix, but let's fine-tune it a bit. Are you considering the risk factors of your current investments?

Now, about that loan. It's understandable to want to clear it as soon as possible. Have you thought about increasing your monthly payments towards it? It might ease the burden in the long run.

Regarding chit funds, while they offer potential returns, are you sure about their reliability and transparency? It's crucial to be cautious when exploring new investment avenues.

Remember, a Certified Financial Planner can offer personalized advice tailored to your goals and circumstances. With discipline and strategic planning, you'll be on track to financial freedom sooner than you think!

Ans: If you want to recover money you have to put in a private medical college then you need a medical background. else you need to excel in the profession. Most people take the wrong paths to recover the money. don't get into that.

Ans: Hi Ravinder,
if maths & data interests you and want to pursue research go for CMI, ISI, or IISERs. Else doing b.tech from a good institute & go with regular jobs which engineers pursue.

Ans: Hi KH,
There are many avenues that you can take, go for an MBA or You can pursue any professional course in Programming or SAP. Figure our what interests you most.

Ans: Hello Shruti
I have to answer it very practically and realistically.

since you are in a very responsible job that requires high attention, time & energy & it is very limited in your case for NEET. As you have repeated NEET twice already you can understand it well. You cannot give equal time to both.

If you are serious and committed enough to give it all in the next NEET attempt and becoming a doctor is your only dream then only go for it. Otherwise you can pursue it from abroad also. I can help you with that.

Ans: Hi,
I have to answer it practically and realistically.

There is nothing called a partial drop. Whatever course you enrol in will require some attention, time & energy. Which is very limited. As you have repeated NEET twice already you can understand it well. You cannot give equal time to both.

If you are serious and committed enough to give it all in the next NEET attempt and becoming a doctor is your only dream then only go for it. Otherwise, you can pursue it from abroad also. I can help you with that.