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69-Year-Old with Mild Abdominal Pain: Should I Continue Omeprazole Long-Term?

Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1146 Answers  |Ask -

General Physician - Answered on Jun 28, 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
K Question by K on Jun 27, 2024Hindi
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I am69 year old nonsmoker,occasinally drinks in small quantities (once in a month or even less). Last 10 years I have mild pain in the upper left side of the abdomen, which intially gave relief on drinking eno or digene. Sunsequently after consulting , doctor advisced Omeprazole 20mg for one month and to reduce spicy food, reduction of non veg etc.Hre advised scanning if persistant and severe pain is there. But on stoping medicine for a month or so gives the mild pain, when slight change in diet happens. Some times mild pain occurs when body bending during excercise or brisk walking etc. Advice from respected doctor is sought whether medicine should be continued long term with increase in doasge. Diet routine is carefully managed , except unavoidable on occasion. Pl advice .

Ans: Managing timely meals, particularly early dinner by 6/6.30 pm, avoid spicy food particularly red chilly spice
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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My son secured CRL below 800 in Jee advance 2024 but did not take admission in IIT rather took admission in a third grade college and currently pursuing Btech CSE. I am worried about his future. Can he get success in future?
Ans: Hello.
You did not mention which IIT college and course your son was getting. You also did not mention which college he has been admitted to. It seems that there is a wide communication gap between you and your son. Surprisingly, a candidate getting admission to IIT rejected it and went to a 3rd-grade college (as per your opinion). You are also not clear about, what was role when your son was denied to take admission to IIT and chose a 3rd-grade engineering college. There are lots of possibilities that your son has been denied IIT college which can't be discussed on this public platform.
It seems that your son is a talented, hard worker which is already reflected in his JEE result, there is no need to worry about his future. These types of candidates are less dependent on the college and faculty. They have their inbuilt capability to learn and excel in the life. There is no need to worry much about the decision taken by your son. Just observe that, whether he is attending college regularly and engaged in extracurricular activities. If he scores well in CSE, a bright future is waiting for him. Remember, a job career is less dependent on the college name! Nowadays, show your extraordinary skills and get the job!

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Mutual Funds, Financial Planning Expert - Answered on Nov 22, 2024

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Sir, I am 55 yrs of age. I want to invest Rs.5000/- pm in Mutual funds for a period of 5 years. Can you suggest me which Mutual funds are best for me to proceed.
Ans: At 55 years, financial planning focuses on achieving a blend of growth, stability, and tax efficiency. A systematic investment of Rs. 5000 per month in mutual funds for five years is a commendable step. This detailed plan outlines an optimal approach tailored to your needs.

Understanding Your Goals
Capital Preservation and Moderate Growth
Your investment horizon of five years suggests a moderate-risk strategy. While growth is important, safeguarding capital is equally critical at this stage in life.

Liquidity and Accessibility
Investments should provide liquidity to meet any unforeseen expenses. Funds with shorter lock-in periods or high liquidity are ideal.

Tax Efficiency
Tax implications can significantly impact net returns. A focus on tax-efficient funds and strategies will maximize your earnings.

Suggested Investment Strategy
A diversified approach ensures a balance between growth and stability. Below is a breakdown of recommended fund types:

1. Actively Managed Equity Funds
These funds can deliver superior returns by leveraging fund managers’ expertise.
They help you capitalize on opportunities that passive index funds miss.
Over five years, these funds can outperform benchmarks significantly.
2. Balanced Advantage Funds
Balanced Advantage Funds manage risk effectively by dynamically adjusting between equity and debt.
They offer stability while ensuring growth through equity exposure.
These are suitable for investors who want moderate risk with decent returns.
3. Debt-Oriented Funds
Debt funds provide stability and are less volatile compared to equity funds.
They ensure a steady income stream with lower risk.
Ideal for a portion of your portfolio to counter equity market fluctuations.
Why Avoid Index Funds?
Index funds track market benchmarks but lack active decision-making.
They do not adapt to changing market dynamics.
Actively managed funds, on the other hand, outperform during volatile periods due to skilled management.
The Pitfalls of Direct Fund Investments
While direct funds seem cost-effective, they require hands-on expertise and time. Investing through a Certified Financial Planner (CFP) offers multiple advantages:

Expert Management: A CFP selects funds that align with your financial goals and risk appetite.
Portfolio Monitoring: They ensure your investments remain on track, adjusting for market changes.
Reduced Stress: You avoid the hassle of analyzing market trends and managing investments independently.
Regular plans through a CFP, combined with professional fund distribution, deliver better returns and convenience.

Allocating Your Rs. 5000 Monthly Investment
Equity Funds: Allocate 40-50% of your monthly investment. Equity funds offer growth and higher returns over five years.
Balanced Funds: Allocate 30-40% for stability. These funds balance growth and protection.
Debt Funds: Invest 10-20% to reduce overall portfolio risk. These funds ensure consistent returns.
By diversifying across these fund types, you minimize risks and maximize returns.

Tax Implications of Mutual Fund Investments
1. Taxation on Equity Funds
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
2. Taxation on Debt Funds
Gains are taxed as per your income tax slab.
Investing for three years or more in debt funds provides indexation benefits.
3. Optimal Tax Strategy
Opt for funds with low turnover to reduce taxable events.
Hold funds for a longer term to benefit from lower tax rates on LTCG.
Key Considerations for Your Investment Journey
Periodic Reviews: Evaluate your portfolio every six months to ensure alignment with your goals.
Avoid Over-Diversification: Limiting your investments to a few funds simplifies tracking and enhances returns.
Reinvestment of Gains: Use returns from mutual funds for reinvestment to maximize compounding benefits.
Benefits of Working with a Certified Financial Planner
A Certified Financial Planner adds immense value to your investment journey. Here's how:

Tailored Investment Plan: They customize fund selection based on your financial goals and risk tolerance.
Expert Portfolio Management: Regular reviews and adjustments enhance your portfolio performance.
Holistic Financial Planning: A CFP aligns your mutual fund investments with other financial goals, such as retirement or child education.
This approach ensures a seamless investment experience with optimal outcomes.

Final Insights
Investing Rs. 5000 monthly in mutual funds over five years can yield significant results with the right approach. By diversifying into equity, balanced, and debt funds, you achieve a balance of growth and stability. Avoid direct and index funds, as they lack the benefits of expert management.

A Certified Financial Planner ensures your investments remain aligned with your goals, maximizing returns while minimizing risks. Regular portfolio reviews and disciplined investing will lead you toward financial success.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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