Home > Health > Question
Need Expert Advice?Our Gurus Can Help

77-Year-Old Post-Bypass Patient Seeks Advice for Weakness, Dizziness, and Muscle Pain

Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jun 21, 2024

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more
Suresh Question by Suresh on Jun 05, 2024Hindi
Listen
Health

I am 77 years old. I was taking medicine for high BP from the age of 50 years.I was very active doing yoga regularly in the morning and doing walk in the evening. I do not smoke and do not drink as well. I am a person with height weight normal as per the standard chart. I was very active doing my job and never use to get tired. I worked for six years in Central Govt, thirty years in PSU and seventeen years in Private Organisations. I used to believe that " a Person should never retire from work". I stopped going to work from March 2020 after the Covid 19 spread in India. During a routine check up, my doctor mentioned on my prescription as "Stable Angina". I asked about it but he replied, it is nothing, do not worry. I was not having any pain etc. But this remark of Stable Angina. was written on my prescription on every visit. In June 2022, I got a CT Angiography done just to know the deposits in my arteries. It was found to be more in all the five arteries. But I had no symptoms of any pain or breathlessness while moving or working.In August 2022, I got some problem in my left eye, went to eye specialist, he observed a little deposit in eye nerve. He tried to break it but could not. I went for Angiography. All the arteries were found with deposits but still I had no pain etc. I was operated for Heart By pass Surgery on 22.9.22 and released from Hospital on 1.10.22. I was put on High Protein Diet. During Jan 23 to July 23, my Blood Urea Nitrogen & Urea got up the required level.High Protein Diet was stopped and advised take more Fruits. BUN & Urea came normal. More fruits were being taken. It caused potassium level to go up. Then in fruits also restriction imposed on banana, coconut water & citrus fruits. Now I am on restricted diet. BUN & Urea are normal but potassium remains fluctuating. Now I am alright but feel very weak. I do little walk but get tired soon. I am not able to do yoga due to low energy. Vitamin supplements are being taken but not getting strength. Even feels stability problem. While standing feels giddiness and feels that i may fall. I am also feeling severe pain in my arms muscles. Now I am taking medicines for BP, Cholesterol, Blood Thinner, Enlarged Prostrate Gland, Vitamin supplement. I always think why I am feeling so many problems after Heart Bye Pass Surgery. Please advise.

Ans: I feel you need your medications adjusted. They're probably making you feel like this.
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.
Health

You may like to see similar questions and answers below

Dr Ashit

Dr Ashit Hegde  | Answer  |Ask -

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on May 30, 2023

Asked by Anonymous - May 27, 2023Hindi
Listen
Health
Hello Doctor, I am 44. I was suffering from gastric issues Somewhere in Oct 2021, i started feeling anxious and all negative thoughts. As a nature, i take good care of self. But due to this anxiouness, i was unable to sleep well or even concentrate well. I thought to consult a MD and he took my BP reading, which was in range of 142/90. He avoided started any medications and advised for lifestyle changes to alter this situation, to which i stared with certain life-style changes like, - sun-bath in morning. - walking - morning & evening - meditation - in evening. i continued this till Dec 2021 and again revisited the MD in Jan 2022, to which he advised to continued with the same routine. By March 2022, i was feeling better. Again, the same story repeated in Sep2022 and this time, with lot of gastric issues, sleep troubel and feeling of fear and anxiety and again i visited him in Nov 2022, was getting more anxious. Looking at my condition he started with beta-blocker. The condition was not very much improving and i took the blood tests on my own in Nov 2022 end, to which, Lipid profile was bit out of range, HaB1c - in pre-diabetic zone and in liver tests - SGPT was 62. I visited to the MD with report and he advised me to continue with beta- blocker and to start with the statins daily 10 mg, after dinner. I continued this for Dec 2022 with life style change with yoga and meditation routines along with walks. In Jan 2023, the tests were repeated and it was all NORMAL. The doctor advised to stop the medicines wef Jan 2023 and again advised to repeated tests in Feb 2023. In Feb 2023, all parametere were normal , but Lipid profile was again out of range. The MD again started with the same medicines from March 2023 onwards ie 1 beta - blocker in morning after break-fast and 10 mg statin after dinner. I repeated the tests in April 2023 and it was again all NORMAL. Now, the MD reduced the statin drug to 5 mg from 10 mg and continued with beta - blocker. I am leading a healthy life with yoga, meditation, diets with more fibres and less oily or say no oil deits to the extent possible. I have stopped eating any outside food and fully on home made food only now. benefits till now, - Sleep paterrn improved - Gastric issues has gone - IBS gone, - better mood My questions to you sir, - The MD is again planning to stop the medications in next visit, since all reports are normal and i feel normal. is that okay? - Again, i may develop the symptoms? - I am following a better life style - yoga, meditation, walkings, proper diets, are there chances that i would remain off medicine always? - What are the benefits and disadvantages of station and beta -blockers, if at all, i have to take it? thanks.
Ans: Beta blockers have probably been prescribed for your symptoms of anxiety but they can increase the levels of the lipids. You need to consult a psychiatrist about the best treatment for anxiety.
Ideally statins need to be taken for long because the lipid levels are bound to go up once you stop the statin. We need to decide however whether you really need a statin at your age. Do you have a family history of premature heart disease. If you do not have a family history of premature heart disease, you can probably stop statins for a few years . Can consider doing a CT Coronary calcium score

..Read more

Dr Hemalata

Dr Hemalata Arora  | Answer  |Ask -

General Physician - Answered on Jun 07, 2023

Asked by Anonymous - Jun 01, 2023Hindi
Listen
Health
Hello Doctor, I am 44. I prefer healthy life and all nice in terms of health, except that I was suffering from gastric issues, IBS and related issues. I had covid also in April 2021 and somewhere in Oct 2021, i started feeling anxious and all negative thoughts. In about Aug 2021, i noticed that my heartbeats is high than normal, which initially i tried to control with routine meditation. But somehow, was not feeling that well from within and mind was like getting anxious, as if , something is happening which i could not understand, what. I visited to MD - Medicine, in Oct 2021. As a process, the vitals were taken and BP reading was taken which was 145/90. The concern MD, which after going through the reading, did not tagged me as BP patient and advised me to have changes in lifestyle with yoga, walking, meditation and dietary changes. I throughly followed the advised and started feeling better from Jan 2022 onwards and it was all nice. Again from Sep 2022 onwards, i started feeling the same issues. And i visited the MD in Oct 2022. From Nov 2022, he put me on 25mg dose of beta-blocker , daily in the morning after breakfast. While, i was on beta-blocker, i was still not feeling that nice from within and i unilaterly took the decision to go for complete blood tests in Nov 2022 end. The results were, - Lipid profile - was disturbed. - Sugar : I was in pre-diabetic range. - Uric Acid : I was on borderline high. I visited the MD with the report and he add another dose of 10 mg of Statins from Dec 2022 onwards. I followed the medication along with dietary changes, yoga & meditation routine and took the tests in Jan 2023, which shows the results as under, - Lipid : Normal - Sugar: I was back to Non-Diabtic range from pre-diabetic. - uric acid - normal. And all other parameters improved too like Hemoglobin - 15 and all other paramters of cbc was normal, thyroid - normal , Liver function - normal - when certain times SGPT was bit on higher sides, but normal in this report. With this report the MD stopped the statin drug from Feb 2022 onwards and advised me to continue with beta-blocker of 12.50 mg instead of 25 mg. I followed the same routine for full Feb 2022 and again took the test in March 2023, and results were as under, - Sugar : non-diabetic - all other paramters - normal - Lipid - Not normal. So again from March 2023, the MD started with the same statin dose of 10 mg and beta- blocker of 25 mg. I took the test in April 2023 and again the reports were normal, so now, again he reduce the statin dose to half ie 5 mg and continued with the same dose of beta-blocker 25mg. My questions: 1. AT present, i follow proper diet schedule as prescribed by dietcian , have been doing meditation and yoga on regular basis. 2. Stress level is minimum. 3. I am feeling overall better. 4. BP levels are always normal 5. Gastric issues, IBS seems to have gone. 6. Sleep patern is improved. My question: a. I feel, in the next visit the MD may stop the statin. Can the lipid profile remain in normal range , when i am follwing all diet patterms , with yoga and exercise. Why the lipid profile became abnormal, previously even when i was following all routine very property ? b. Is it okay to consume beta - blocker 25mg regularly, even after doctor told me to stop statin or may stop my statin in next visit? c. Is there any way to know, to find, if i am feeling better normally or due to medicine? as i am feeling normal and unable to check, what after i stopped beta-blocker? Any other care which i should take and lead a healthy life.
Ans: Hello. These are good questions and a lot of people go through the same stages. Cholesterol levels are generally genetically determined and don't change much from dietary or lifestyle changes. It can be reduced by medications. However if it is the only risk factor for heart disease/stroke, then it need not be corrected unless it is very high, LDL> 160. On the other hand the B blocker, if it was taken only for BP, may be stopped if BP comes down and remains normal. A closer monitoring may be required for that. If BP stays normal or low on taking the medicine, reduce the medicine and recheck, if it still stays low or normal, stop and see. Take it slow.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 26, 2025Hindi
Listen
Money
Mere pass Parag Parikh flexicap,Sbi mid cap, axis small cap ,Motilal Oswal midcap and Quant small cap fund hai in sabhi me meri SIP chal rahi hai, abhi Stock market me bahut correction hua hai mujhe lumsum investment karna hai toh inme se kis fund me karu..?
Ans: Investing a lump sum after a market correction can be a good opportunity. However, choosing the right funds requires proper analysis.

Assessing Your Current Portfolio
Flexi-cap fund: This fund invests across large, mid, and small-cap stocks. It provides diversification and stability.

Mid-cap funds: These funds invest in mid-sized companies. They offer high growth potential but come with more volatility.

Small-cap funds: These funds invest in smaller companies. They have the highest return potential but also the highest risk.

Your portfolio already has a mix of flexi-cap, mid-cap, and small-cap funds. Adding more funds from the same categories may lead to over-diversification.

Factors to Consider Before Investing Lump Sum
Market correction does not mean all stocks are undervalued. Some stocks may still be expensive.

Mid-cap and small-cap funds are volatile. Investing lump sum in these funds can be risky.

If you have a high-risk appetite, invest in small-cap or mid-cap funds. However, avoid putting the entire amount in one fund.

If you want balanced growth, allocate more to flexi-cap funds. These funds can shift between large, mid, and small caps based on market conditions.

Instead of lump sum, consider a systematic transfer plan (STP). This helps in averaging the investment over time.

Where to Invest the Lump Sum?
If you want lower risk: Invest in a flexi-cap fund. It provides stability and long-term growth.

If you want moderate risk: Invest in a mid-cap fund. These funds have strong growth potential.

If you want higher risk and higher returns: Invest in a small-cap fund. However, stay invested for at least 7-10 years.

If you are unsure, split your investment. Invest in a mix of flexi-cap, mid-cap, and small-cap funds.

Final Insights
Your portfolio already has exposure to different categories. Avoid adding too many funds.

A systematic transfer plan (STP) is better than lump sum investment in a volatile market.

Review your risk tolerance before investing in mid-cap and small-cap funds.

If markets fall further, consider staggered investing instead of putting all money at once.

Stay invested for the long term and review your portfolio regularly.

With the right strategy, your investments can grow steadily over time.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Listen
Money
Iss time pe Flexicap,Midcap and Small Cap mutual funds kisme lumsum investment karna chahiye..?
Ans: Investing in flexi-cap, mid-cap, and small-cap mutual funds through lump sum requires careful analysis. Timing, market conditions, and personal financial goals should be considered before investing.

Understanding Market Conditions
Flexi-cap funds: These funds invest across large, mid, and small-cap stocks. Fund managers have the flexibility to shift allocation based on market trends.

Mid-cap funds: These funds invest in mid-sized companies. They have higher growth potential than large caps but come with more volatility.

Small-cap funds: These funds invest in smaller companies. They offer high return potential but carry the highest risk.

Current Market Scenario: Mid-cap and small-cap stocks have seen strong rallies. Investing through a systematic transfer plan (STP) may be better than a lump sum.

Best Approach for Lump Sum Investment
Avoid investing the entire amount at once. Markets can be volatile, and a sudden drop can impact your returns.

Use a systematic transfer plan (STP). Park the lump sum in a liquid fund and transfer it gradually into equity funds.

Diversify across market caps. Do not invest only in mid-cap and small-cap funds. Flexi-cap funds provide balanced exposure.

Check valuations before investing. If mid-cap and small-cap indices are trading at high valuations, wait for corrections.

Consider your risk tolerance. Mid-cap and small-cap funds are volatile. Invest only if you can stay invested for at least 7-10 years.

Which Category is Suitable for You?
If you want stable growth with lower risk: Invest in flexi-cap funds.

If you can handle moderate risk and aim for higher returns: Invest in mid-cap funds.

If you have a high-risk appetite and a long-term horizon: Invest in small-cap funds.

If markets are at high valuations: Invest in balanced advantage or hybrid funds instead of pure equity funds.

Final Insights
Investing in mid-cap and small-cap funds requires patience. Returns may be volatile in the short term.

A systematic transfer plan (STP) is better than lump sum investment in volatile markets.

Diversify across flexi-cap, mid-cap, and small-cap funds based on your risk profile.

Review your investments every year and rebalance if needed.

With the right strategy, your investment can grow steadily over time.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Listen
Hi Sir, I have 2 goals - Kindly review my portfolio and let me know if the asset allocation is good to go. Retirement: 10+ years, SIP Value: 15k per month Nippon India Index Nifty 50 growth direct plan - 50% Kotak Nifty Next 50 Index Growth Direct Plan - 15% Motilal Oswal Nifty Midcap 150 Index Fund - Direct Plan - 15% Parag Parikh Flexi Cap Fund - Direct Plan -20% 7 Year Goal (Education, Marriage and buying car): SIP: 28K per month I am confused which portfolio to proceed for this goal. Can you review and confirm which one is good to proceed. Portfolio 1: Nippon India Index Nifty 50 growth direct plan - 25% Kotak Nifty Next 50 Index Growth Direct Plan - 15% Parag Parikh Flexi Cap direct growth - 20% HDFC Balanced Advantage Fund - Direct Plan - 40% Portfolio 2: Parag Parikh Flexi Cap direct growth - 30% HDFC Flexi cap direct growth - 30% HDFC Balanced Advantage Fund - Direct Plan - 40%
Ans: Your investment approach is structured and goal-based, which is excellent. I will review your portfolio and suggest improvements for better diversification and risk management.

Retirement Portfolio (10+ Years Goal)
Your retirement portfolio has the following allocation:

50% in a Nifty 50 index fund
15% in a Nifty Next 50 index fund
15% in a midcap index fund
20% in a flexi-cap fund
Observations:

Overexposure to index funds: Index funds have limitations, such as being market-cap weighted. This may lead to inefficiencies, especially in volatile markets. Actively managed funds have the potential to outperform index funds.
High allocation to large caps: While large caps provide stability, they may not generate high returns in the long term.
Lack of small-cap exposure: Small caps have the potential for higher returns over a long period.
No international diversification: Adding international equity funds can reduce risk and enhance returns.
Recommended Changes:

Reduce index fund allocation and increase exposure to actively managed funds.
Increase flexi-cap and midcap exposure for better growth potential.
Consider adding a small-cap fund for higher long-term returns.
Allocate a small portion to an international equity fund.
7-Year Goal (Education, Marriage, and Car Purchase)
You are investing Rs 28,000 per month and considering two portfolios.

Portfolio 1:
25% in a Nifty 50 index fund
15% in a Nifty Next 50 index fund
20% in a flexi-cap fund
40% in a balanced advantage fund
Portfolio 2:
30% in a flexi-cap fund
30% in another flexi-cap fund
40% in a balanced advantage fund
Observations:

Index funds are not ideal for short-term goals: Index funds can be highly volatile in a 7-year timeframe. Actively managed funds provide better risk-adjusted returns.
Lack of debt allocation: A 7-year goal needs some debt exposure for stability. Balanced advantage funds offer some protection, but a dedicated debt fund is better.
Overdependence on balanced advantage funds: These funds adjust equity-debt allocation dynamically, but they may not be the best for all market conditions.
Recommended Approach:

Reduce index fund exposure and add actively managed multi-cap and midcap funds.
Allocate at least 20% to high-quality short-duration debt funds for stability.
Consider a hybrid fund that balances equity and debt more effectively.
Final Insights
Your goal-based approach is commendable. Some modifications will improve diversification, stability, and potential returns.

Reduce index fund exposure and add actively managed funds.
Increase exposure to midcap, flexi-cap, and small-cap funds for retirement.
Add a small international equity fund for diversification.
Introduce short-duration debt funds for your 7-year goal.
With these adjustments, your portfolio will be well-balanced and aligned with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Jan 23, 2025Hindi
Listen
Money
I am 24, and I have around 1 lac in pf and 1.5 lac in mutual fund as I am investing around 25k per month, 70% in midcap and 30% in large cap, how to invest to have at least 1 crore before I turn 30?
Ans: You are 24 and already investing well. Your goal of Rs 1 crore before 30 is ambitious. You need the right strategy to achieve it.

Assessing Your Current Investments
You have Rs 1 lakh in PF and Rs 1.5 lakh in mutual funds.

You invest Rs 25,000 per month.

Your portfolio is 70% mid-cap and 30% large-cap.

Strengths in Your Investment Approach
You started early. This gives time for compounding.

You invest regularly. SIPs build discipline.

You have growth-focused funds. Mid-cap funds can give high returns.

Challenges to Achieving Rs 1 Crore in 6 Years
Market volatility. Mid-cap funds fluctuate more.

Time frame is short. Equity needs at least 7-10 years.

High return expectation. Achieving Rs 1 crore in 6 years is difficult.

Steps to Improve Your Strategy
Increase Investment Amount
Rs 25,000 per month may not be enough.

Try to increase it to Rs 35,000–40,000 per month.

Use yearly salary hikes to boost SIPs.

Balance Your Portfolio Better
Mid-caps are good but risky.

Reduce mid-cap exposure to 50%.

Increase large-cap allocation to 40%.

Add 10% flexi-cap funds for stability.

Use Lump Sum Investments
Invest any bonuses, increments, or extra income.

Avoid keeping too much in PF, as equity gives better returns.

Avoid Index Funds and Direct Plans
Index funds cannot outperform markets.

Active funds are managed by experts and can generate better returns.

Invest through a Certified Financial Planner (CFP) for the best selection.

Tax Considerations
LTCG above Rs 1.25 lakh taxed at 12.5%.

STCG is taxed at 20%.

Plan redemptions wisely to save tax.

Finally
Your goal is aggressive but possible with discipline. Increase your SIPs and maintain asset allocation. Invest wisely through Certified Financial Planner (CFP) and MFD. Stay focused, and you can reach your target.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Asked by Anonymous - Feb 02, 2025Hindi
Listen
Money
Mai 25 sal ka hu 6 sal nokri ho gye army mai shadi nahi ki abi 61000 pay hai samj nahi aa rahi kass investment kru
Ans: I will provide a detailed investment plan for you based on your age, income, and financial situation.

Financial Security Comes First
Emergency Fund: Keep at least 6 months' expenses in a bank FD or liquid mutual fund.

Health Insurance: Even if the army covers you, get a personal Rs 10-20 lakh health policy.

Term Insurance: If you have dependents, buy Rs 1 crore term insurance.

Investment Plan Based on Goals
Short-Term Goals (1-3 Years)
Keep funds in a bank FD or ultra-short-term mutual fund.

This is for urgent needs like a vehicle or course fees.

Medium-Term Goals (3-7 Years)
Invest in balanced mutual funds to grow wealth safely.

These funds balance risk and reward.

Long-Term Goals (7+ Years)
Invest in actively managed equity mutual funds through SIPs.

Choose a mix of large-cap, mid-cap, and flexi-cap funds.

Avoid index funds, as they cannot outperform the market.

Investing through a Certified Financial Planner (CFP) and MFD ensures better fund selection.

Asset Allocation for You
50% Equity Mutual Funds (for long-term wealth creation).

20% Balanced Mutual Funds (for medium-term stability).

20% Bank FD or Liquid Funds (for short-term needs).

10% Gold ETF or Sovereign Gold Bonds (for diversification).

Tax Considerations
Equity mutual fund gains above Rs 1.25 lakh taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your income slab.

FD interest is also taxable.

Finally
You are young and earning well. Start early to build wealth. Follow the right asset allocation. Investing with a Certified Financial Planner (CFP) helps avoid mistakes. Stay invested for the long term.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8077 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 04, 2025

Listen
Money
Hi I purchased my parents house by paying half amount to my brother and paying a loan of 45k per month now the property value is in good appreciation but lacking in financial stability I want to sell my property now and purchase new property in outskirts of city and want to invest 10 percent in mutual fund and remaining amount to do fd with monthly income is it a good move
Ans: You purchased your parents’ house by paying your brother’s share and taking a loan. Now, the property value has appreciated, but you face financial instability. You are considering selling the house, buying another one on the outskirts, investing 10% in mutual funds, and putting the rest in fixed deposits (FDs) for monthly income. Let’s analyse if this is a good decision.

Financial Challenges of Holding the Current Property
High Loan EMI Pressure

You are paying Rs 45,000 per month as EMI. This is a financial burden if your income is not stable.

Liquidity Issues

Most of your wealth is locked in the property. You may not have enough emergency funds.

Opportunity Cost

The property value has increased, but it does not generate regular income. Holding the house may not be the best financial choice.

Selling and Buying Another Property: Pros and Cons
Advantages of Selling
Debt-Free Life

If you sell, you can clear your home loan. This removes EMI pressure.

Better Financial Stability

You will have liquid funds to manage your expenses and investments.

Disadvantages of Buying Another Property
New Property May Not Appreciate Quickly

Properties in city outskirts may take longer to appreciate. Demand is usually lower.

Additional Costs Involved

Buying a new house involves stamp duty, registration fees, maintenance, and taxes.

Liquidity Issues Continue

If you reinvest in another house, you may again face cash flow problems.

Investment Plan for Better Stability
You are considering investing 10% in mutual funds and putting the rest in FDs for monthly income. Let’s evaluate this plan.

Mutual Fund Investment: A Better Approach
Growth Potential

Mutual funds offer inflation-beating returns over the long term.

Flexibility

You can withdraw through a Systematic Withdrawal Plan (SWP) instead of locking funds in an FD.

Tax Efficiency

Long-term capital gains tax on equity funds is only 12.5% above Rs 1.25 lakh. This is better than FD taxation.

Fixed Deposits: Limited Benefits
Lower Returns

FD interest rates are lower than inflation. This reduces your purchasing power over time.

Tax Disadvantage

FD interest is taxed as per your income slab. This reduces your post-tax earnings.

Lack of Growth

FDs do not allow wealth accumulation over time.

Better Strategy for Financial Stability
Sell the Current House to Reduce Debt

This removes EMI stress and improves your financial flexibility.

Avoid Buying Another House Immediately

Instead, rent a house in the desired location. This keeps your money liquid.

Diversify Investment

Allocate a portion to mutual funds for long-term wealth creation.

Keep some funds in short-term debt funds instead of FDs for better tax efficiency.

Maintain an emergency fund in a savings account or liquid funds.

Finally
Selling the house is a good decision if you struggle with financial stability.

Avoid locking funds in another house, as it may cause liquidity issues.

Invest wisely in mutual funds and liquid assets for a balanced financial future.

A Certified Financial Planner (CFP) can guide you on tax-efficient investments.

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x