I am diabetic since 25 yrs. My Fasting Insulin' is 3...ie Insulin resistance is under control. Is it possible to rejovenate Pancreas to produce more Insulin, to become diabetes free.

Ans: My suggestion would be to work in sales along with your preparation for MBA entrance. Sales experience could help you to get better job during your placements and could also help you in your interview stage during admission process.

Ans: Can look at executive MBA course. Students with upto 15 years experience do Executive MBA from top B schools like ISB, IIM A, B, C. Else reskill yourself in the area of your interest and look for relevant jobs.

Ans: Doing Executive MBA from one of the top B schools is a good option. You would have to write GMAT for the same. Else do some professional courses like the one you are doing and try to get job in those domains.

Ans: IIM Mumbai is supposed to be best for operations followed by SJMSOM. SPJIMR is also a good college and ranked better than IIM Mumbai and SJMSOM in terms of college rankings. If you want to keep your options open than can choose SJMSOM over the other two. But if you want to specialise in Operations than either IIM Mumbai or SPJIMR would be good options. Find out the placement details in these colleges and talk to the students of these colleges before you make your decision.

Ans: Do courses relevant to the area you are interested to find job in. Possibly do internship in that area to get some experience in your CV.

Ans: If you have 4 or 5+ years of work experience, you can try for executive MBA from any of the top institutes like IIM A, B, C, ISB, XL, etc. You would need to write the GMAT for the same. If you have less than that work ex, then can try for executive MBA from either ISB or Great Lakes.

Ans: Yes, you can invest Rs 40,000 per month in the National Pension Scheme (NPS). There is no maximum limit on the monthly contributions to NPS.

Important to note about NPS returns:

• NPS returns are market-linked and depend on the chosen investment scheme. The NPS offers various investment options like Equity (E), Corporate Debt (C), Government Bonds (G), Alternative Investment Funds (A). Equity (E) scheme typically has higher returns than other schemes (C, G) but also comes with higher risk.
• It is difficult to predict the exact returns you will get in 10 years as the market is volatile.

Here's an example to give you an idea

Let’s assume you choose an equity scheme with an average annual return of 10%.

• Total investment over 10 years = Rs 40000 per month * 12 months/year * 10 years = Rs 48,00,000
• Estimated returns in 10 years = Rs 48,00,000 * 10% = Rs 4,80,000

This is just an estimate, and actual returns may vary.

Here are some resources that can help you make an informed decision:

• NPS calculator: You can use an NPS calculator to get a more personalised estimate of your retirement corpus and pension amount. These calculators consider factors like your age, investment amount, investment scheme chosen, and expected rate of return.
• NPS investment options: You can find more information about the different NPS investment options on the PFRDA website (https://www.pfrda.org.in/)

Remember, NPS is a long-term investment for retirement planning. Investing early and regularly will help you build a substantial corpus for your retirement.

Ans: Considering your mother's situation, using a Systematic Withdrawal Plan (SWP) can be a good option to potentially earn higher returns while maintaining liquidity and safety for her funds. Here's why SWP could be beneficial:

Potential for Higher Returns:
By investing the funds from the FD into a suitable mutual fund or conservative investment option, your mother may earn higher returns compared to the current FD interest rate.
With SWP, she can periodically withdraw a fixed amount, which may include both the returns generated by the investment and a portion of the principal amount, depending on her withdrawal needs.
Liquidity:
SWP provides flexibility, allowing your mother to withdraw a fixed amount at regular intervals to meet her living expenses.
Unlike traditional FDs, where the entire amount is locked in for a fixed tenure, SWP allows her to access her funds whenever required, providing liquidity.
Safety:
While investing in mutual funds or other investment options carries some level of risk, your mother can choose relatively safer options such as debt funds or balanced funds to minimize risk while still earning potentially higher returns.
Ensure that the chosen investment aligns with her risk tolerance and investment horizon.
Regular Income:
SWP can provide your mother with a regular source of income, similar to the interest earned from FDs, but potentially at a higher rate.
By withdrawing a fixed amount at regular intervals, she can manage her expenses effectively without depleting her entire investment.
Professional Advice:
Before proceeding with SWP, it's advisable to consult with a financial advisor or Certified Financial Planner.
A professional can assess your mother's financial situation, risk tolerance, and investment goals to recommend suitable investment options and withdrawal strategies that align with her needs.
Overall, SWP can be a viable option for your mother to potentially earn higher returns while maintaining liquidity and safety for her funds. However, it's crucial to carefully evaluate the investment options and withdrawal strategy based on her individual requirements and consult with a financial expert for personalized advice.

Ans: Switching your investment from Nifty 200 momentum to small-cap stocks can be a significant decision, so let's evaluate it:

Market Dynamics:
Small-cap stocks generally offer higher growth potential but come with increased volatility and risk compared to large-cap stocks.
Mid-cap stocks occupy a middle ground, offering a balance between growth potential and risk.
Risk Consideration:
Shifting your investment from large-cap (Nifty 200 momentum) to small-cap stocks could potentially increase the risk in your portfolio due to the higher volatility associated with small-cap stocks.
Ensure that you're comfortable with the increased risk and have a long-term investment horizon to ride out market fluctuations.
Diversification:
Review your overall portfolio diversification. If you already have exposure to mid-cap and small-cap stocks, adding more small-cap stocks may further increase concentration risk in your portfolio.
Consider maintaining a balanced allocation across large-cap, mid-cap, and small-cap stocks to spread risk effectively.
Investment Horizon:
Assess your investment horizon and risk tolerance. Small-cap stocks are best suited for investors with a long-term horizon who can withstand short-term market volatility.
Ensure that your decision aligns with your financial goals and investment strategy.
Professional Advice:
Consider consulting with a financial advisor or Certified Financial Planner to evaluate your investment strategy, assess the impact of switching to small-cap stocks, and ensure it aligns with your overall financial plan.
A professional can provide personalized guidance based on your individual circumstances and help you make informed decisions.
Ultimately, whether to switch your investment from Nifty 200 momentum to small-cap stocks depends on your risk appetite, investment horizon, and portfolio diversification strategy. Evaluate the potential risks and rewards carefully and seek professional advice if needed before making any changes to your investment strategy.