High Creatinine Level for 6 Months: How Can I Reduce It?

Ans: For your daughter’s education or marriage expenses, with a 20-25-year horizon, investing Rs. 5,000 per month in equity mutual funds via a SIP is a good approach. Long-term investments benefit from the power of compounding and have the potential for higher returns in equity markets.
Consider the following types of funds: 1. Flexi-cap Funds- These invest in companies of various sizes, balancing risk and returns. Funds like Parag Parikh Flexi Cap or UTI Flexi Cap are solid choices. 2. Large Cap Funds- These focus on established companies and offer stability. Examples include SBI Blue-chip and Axis Blue-chip Fund. 3. Child-Centric Funds- These are tailored for long-term educational goals, such as the HDFC Children’s Gift Fund.
Opening a Demat account in your daughter’s name isn't necessary. You can hold investments in your name under a minor account, and when she turns 18, the account can be transferred to her. Investing through mutual fund SIPs is a simple, efficient method that doesn't require a Demat account.
This strategy will help you build a substantial corpus for your daughter’s future needs over the next 20-25 years by reviewing your investments periodically.
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: Dear Megha,
To achieve substantial savings for the future, start by creating an **emergency fund** that covers 3-6 months of expenses (around Rs. 50,000-1 lakh). This ensures you have a safety net for unexpected financial needs.
Next, invest in a **Public Provident Fund (PPF)**, which offers tax benefits and long-term growth. Aim to invest Rs. 5,000-7,000 per month from your savings. Additionally, you can start a **Systematic Investment Plan (SIP)** with Rs. 2,000-3,000 in diversified mutual funds. Over time, this will help you build wealth through compounding.
Since you already have an FD, consider opening a **Recurring Deposit** for a safe, fixed-return investment to complement your FD.
Also, ensure that you and your parents are adequately covered with **health insurance**. This will help avoid large medical expenses in case of emergencies.
As your salary increases in the future, consistently increase your savings and investment amounts. Over time, these small, regular investments in SIPs, PPF, and recurring deposits will accumulate to a significant sum by your retirement.
My suggestion is to define a disciplined approach and invest a minimum of 20% of your salary, and a maximum can be up to 50% for the future; you can define different goals like Retirement, Marriage, Home purchase, Travel, Medical emergencies, etc. and depending on your goals
This disciplined approach to saving and investing will build a strong financial foundation, helping you achieve financial security by the time you retire.
Best regards!
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: Hello;

You have 3 ways to achieve your target(2 Cr):

1. Monthly sip of 50 K with minimum 14% top-up each year upto 10 years.

2. Monthly sip of 50 K for 13 years.

3. Monthly sip of 82 K for 10 years.

All 3 approaches will yield intended corpus of 2 Cr. As desired.

You will need to invest in a combination of flexicap fund 40%(ppfas) large and midcap fund 40% (Mirae Asset), smallcap fund 20% (Nippon India).

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Hello;

A monthly sip of 4.1 L will yield you a corpus of 10 Cr in 10 years assuming modest return of 13% from pure equity mutual funds.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Hello;

If you are not sure about future growth prospects for the land then it would be better to sell it now and invest the sale proceeds into mutual funds.

This my suggestion.

Ultimately it is your assessment and decision.

Best wishes!!

Ans: Hello;

You may do a monthly sip of 20 K in a flexicap type mutual fund say for eg PPFAS flexicap fund and another monthly sip of 22 K in Large and Midcap type mutual fund say for eg Kotak Emerging Opportunities Fund.

Monthly sip of 42 K will yield you a corpus of 1 Cr+ in 10 years assuming modest return of 13%.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Diabetes and hypertension both are risk factors for kidney damage or nephropathy. Considering you have these health issues for more than 3 decades, please get a comprehensivelab work up done followed by a consultation with physician or a nephrologist.

Best wishes,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice,
Safdarjung Enclave, New Delhi

Ans: This is a very high creatinine value. Please urgently get detailed work up done.
Please see my responses to other similar questions.
Please get a detailed lab work up done followed by a consultation with physician.

Best wishes
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice,
Safdarjung Enclave, New Delhi

Ans: Increased frequency or urination could be due to multiple factors. This could be a sign of early stage diabetes mellitus type 2.
Your creatinine is also on higher side, which indicates early stage kidney damage. Are you taking some supplements etc? Sometimes those are also the factors for higher creatinine.

Please get a detailed lab work up done followed by a consultation with physician.

Best wishes
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice,
Safdarjung Enclave, New Delhi