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Komal

Komal Jethmalani  |474 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Oct 17, 2025

Komal Jethmalani is a practising dietician and nutritionist with over 26 years of experience.
She specialises in weight loss and diabetes management.
Jethmalani has completed her MSc in food and nutrition from SNDT University and trained at Jaslok Hospital.
She is a NDEP-certified diabetes educator.... more
Asked by Anonymous - Jul 06, 2025Hindi
Health

Hi..my age is 48 ..having thyroid and going in the phase of menopause..inam always feeling low , lethargic , heaviness in the body,weight is also increasing though I am not eating that much ..pls suggest me what can I do and the food I should intake so that my weight should not shoot up..thanku

Ans: Many women experience weight gain, fatigue, and mood changes during menopause and with thyroid issues. The key is a holistic approach combining nutrition, movement, and medical support. Both menopause and hypothyroidism cause hormonal shifts that slow metabolism, reduce muscle mass, and increase fat storage, especially around the abdomen. These changes also affect mood, energy, and sleep, making weight management harder even with a modest diet. Focus on nutrient-dense, anti-inflammatory foods that support hormone balance and metabolism. Include lean proteins like chicken, eggs, tofu, lentils; healthy fats from avocados, olive oil, nuts, seeds; complex carbs from quinoa, oats; and limit vegetables like broccoli, kale, cauliflower if you have iodine deficiency. Selenium & zinc foods like brazil nuts, pumpkin seeds, seafood support thyroid function. Exercise regularly and stay hydrated.
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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Dietician, Diabetes Expert - Answered on Jan 15, 2026

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I recently entered menopause, and I’ve noticed my weight going up no matter what I eat or how careful I try to be. Earlier, if I skipped sweets for a week or reduced portions, I could see a small difference, but now it feels like nothing works. My metabolism seems to have completely slowed down, and I also experience sudden mood swings, bloating, and fatigue. It’s quite frustrating because I’m eating mostly home food — chapati, sabzi, dal, very little oil — and I even try to go for walks regularly. Still, my clothes have become tighter and I feel more irritable than before. Some friends say it’s just hormonal and can’t be helped, while others suggest cutting carbs or going on a high-protein diet. But I’m not sure what’s safe or sustainable at this stage. Is there a specific kind of diet that can help women during menopause manage their weight, energy levels, and mood swings without feeling constantly hungry or deprived?
Ans: During menopause, weight gain and fatigue are common due to hormonal changes and a slower metabolism, but the right diet can help. A balanced approach is beneficial, such as a Mediterranean-style diet or a modified high-protein plan that emphasizes whole grains, lean protein, healthy fats, and plenty of vegetables. This supports weight management, stabilizes mood, and boosts energy without leaving you hungry. Pairing this with strength training, good sleep, and stress management can help you manage weight, energy, and mood swings sustainably.

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Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2026

Money
I am in SWP segments drawing from my corpus. I understand that SWP is fixed amount but when years go required amount should also go, so can set SWP in units instead of SWP in amount Please guide
Ans: You are thinking in the right direction. Your understanding is practical. Income should grow with time, not stay flat. That is a very important insight.

» Understanding SWP – Amount vs Units

SWP in fixed amount means you withdraw same Rs value every month
SWP in units means you redeem a fixed number of units

Reality:

Mutual fund platforms mainly allow SWP in amount, not in units
So unit-based SWP is not a standard option

» Challenge with Fixed Amount SWP

Your expenses will increase due to inflation
But SWP amount remains constant unless you change it

Result:

Your real income reduces over time
Purchasing power goes down

» Why SWP in Units is Not Ideal Anyway
Even if it was available:

Market goes up → you withdraw more money than needed
Market goes down → you withdraw less money when you need more

So income becomes unpredictable
This is not suitable for regular expenses

» Better Approach – Step-up SWP Strategy
Instead of units, follow this:

Start SWP with a comfortable amount
Increase SWP every year by 5% to 7%
This matches inflation and lifestyle increase

Example approach:

Year 1: Rs X per month
Year 2: Rs X + 5%
Year 3: Rs X + 5%

This gives:

Stability
Growth in income
Better control

» Bucket Strategy – More Stability
Divide your corpus into 3 parts:

Short-term (0–3 years expenses)
Keep in low-risk or liquid funds
Use this for SWP
Medium-term (3–7 years)
Balanced funds
Long-term (7+ years)
Equity funds

How it helps:

You don’t depend on market timing
You avoid selling equity in bad markets
Your income becomes stable

» Practical Execution

Run SWP only from short-term bucket
Refill this bucket once a year from other buckets
Review SWP amount annually and increase

» Tax Efficiency Insight

SWP is tax-efficient
Only capital gain portion is taxed
Long-term equity gains above Rs 1.25 lakh taxed at 12.5%
So gradual withdrawal is better than lump sum

» Finally

SWP in units is not required and not practical
Fixed SWP with annual increase is the right method
Use bucket strategy to protect income
Review once a year, not too frequently

This way, your income will grow, remain stable, and last longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

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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.

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