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Dr Archana

Dr Archana Bajaj  | Answer  |Ask -

Gynaecologist, Obstetrician, IVF Expert - Answered on Apr 05, 2023

Dr Archana Dhawan Bajaj is an infertility specialist with over two decades of experience in IVF and reproductive medicine.
She founded The Nurture IVF Clinic in New Delhi in 2003.
Dr Bajaj has completed her MBBS from Maulana Azad Medical College and has a diploma in gynaecology and obstetrics and DNB (obstetrics and gynaecology) from the Sir Ganga Ram Hospital.
She has an MMSc degree in assisted reproductive technology from the University of Nottingham, UK.... more
Ashwini Question by Ashwini on Mar 19, 2023Hindi
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Hi doctor, I've been having periods problems past 3 years.. I was earlier diagnosed with pcos, with and deit and weight maintanence the condition is reversed, yet I'm facing irregular periods I underwent multiple scans the test results were positive( like there are no cysts and issue with the ovaries in the ultrasound scan and fsh tsh and hormone results are positive). I'm 5'4 65 kg, I workout regularly and eat healthy and only rarely I eat junk food. Only with help of hormone tabs I'm able to mensurate. Could anyone suggest what needs to be done like any test I need to take up ?

Ans: PCOS is a condition of the ovary that one is born with. You can optimize the hormonal imbalances in PCO, but the condition never factually reverses because it is a type of theory. So, lifestyle modifications and medication are sometimes necessary to ensure that regular ovulation happens with PCO. Lifestyle modification in terms of diet control, exercise, medication like metformin, MYO inositol. In exceptional cases, cyclical contraceptive pills, etc., may be needed to regulate cycles and ensure hormonal imbalances in PCO, PCOS with androgen excess, men need medication like spironolactone and aldactone to optimize their hormonal imbalances. Weight loss often helps to optimize the condition and resume ovulation in cases of PCOS. Since you weigh 64 kilos, it might be a good idea to lose around 7 to 8 kgs of weight, which will help further improve the cycles.
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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Asked by Anonymous - Jun 13, 2024Hindi
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Ours is a family of 3 people -- My wife, I and my daughter who is 15. I am 39, my wife is 37 and our monthly expenses are Rs 90K. I own my house and expect to have no fixed income after 65 years, and expect to live till 75. Considering the ever increasing price rise what should be my corpus at 65 for me to continue living the life style I am living today?
Ans: Calculating your retirement corpus:

Here's how to estimate the corpus you'll need to maintain your current lifestyle after retirement:

1. Retirement period:

You plan to retire at 65 and expect to live till 75. So, your retirement period is 75 - 65 = 10 years.

2. Inflation adjustment:

You've rightly considered inflation. To estimate future expenses, we need to factor in inflation. A safe assumption for India is 5-7% inflation. Let's take an average of 6%.

3. Current monthly expenses:

You spend Rs 90,000 per month currently.

4. Future monthly expenses:

To find the monthly expense at retirement (at 65), we need to consider inflation for 26 years (39 years till retirement + 10 years retirement).

You can use an inflation calculator online or a simple formula:

Future monthly expense = Current monthly expense * (1 + Inflation rate)^number of years

In your case, Future monthly expense = Rs 90,000 * (1 + 0.06)^26 ≈ Rs 3,28,550 (approximately Rs 3.29 lakh)

5. Total corpus calculation:

Now you can calculate the total corpus needed. Here's a common approach:

Total corpus = Monthly expense * Number of years in retirement * 12 (months)

However, this method doesn't consider the fact that you'll be withdrawing money every month, reducing the corpus. A more accurate method is using the Time Value of Money (TVM) concept. There are online TVM calculators or Excel functions you can use.

Here's an alternative approach that provides a reasonable estimate:

Multiply the future monthly expense (Rs 3.29 lakh) by a factor considering inflation over the period. This factor can vary depending on your risk tolerance and investment strategy. A factor of 200 is often used as a conservative estimate.
Total corpus = Rs 3.29 lakh/month * 200 (factor) = Rs 6.58 crore (approximately Rs 658 million)

Additional factors to consider:

• Daughter's future expenses: Your daughter will be an adult by the time you retire. While she won't be financially dependent, consider any potential future support you might want to provide for her education or marriage.
• Healthcare costs: Healthcare expenses tend to increase with age. Factor in potential medical needs during retirement.
• Debt: If you have any outstanding debt by the time you retire, you'll need to account for its repayment in your corpus calculation.
• Investment returns: The corpus amount assumes a certain rate of return on your investments. Research different investment options and their potential returns to refine your calculations.

Recommendation:

Consult a financial advisor for a personalised retirement plan considering your specific financial situation, risk tolerance, and investment goals. They can help you create a more comprehensive plan and suggest suitable investment strategies to achieve your corpus target.

Remember, this is an estimate. Regularly review your plan and adjust it based on changing circumstances.

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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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