Hi DOctor. My, mother who is 72 years old is taking .25 mg medications for thryoid. She frequently complains of constipation and abdominal pain. She has undergone colonoscopy, endoscopy and fortunately everything was normal as per the report and told by doctors. Please suggest an alternative solution to her frequent abdominal pains and constipation issue. Gaurav

Ans: Hello;

What is the current value of your share in the ancestral property?

Are you in a position to sell it whenever you want or it depends on concurrence of other people?

Please clarify.

Thanks;

Ans: Go for an online MBA. At least there will be no gap in your Bio-Data. Parallelly search for job. Always keep your Bio-Data updated and there should not be time gap in your Bio-Data. Best of luck. Just follow me. May God Bless You. Professor..................................:)

Ans: Follow the website of the exam authority. Professor

Ans: Please search in net. I am not the right person to guide you about exam date. Be in touch with the exam authority. Best of luck. Just follow me. May God Bless You. Professor..................................:)

Ans: Hello;

Higher interest rates are always associated with higher risks.

Return of Capital is more important than return on Capital.

Make your FDs with big Govt banks or large private banks of repute.

Best wishes;

Ans: Yes after introduction of corporate tax, for future period they will not provide TRC. In case of our client, we have received TRC in March 2024.

Ans: Hello;

Request you to please rephrase your question and submit again.

Thanks;

Ans: Hello, sorry to hear about your breast cancer, but the best part is breast cancer is curable
Since you are 32 years of age, and you might undergo chemo, radiotherapy which might affect your fertility. So best option is to undergo egg freezing.
Before we start the procedure, we need to know your AMH level (to know your ovarian reserve) and basic blood work up to get your fitness fir the procedure
The procedure normally needs first 15 days of your cycle where you will need to undergo 3 to 4 scans to monitor the egg growth (follicle growth) and injections from day 2 of your periods till the eggs grow and mature
These injections are safe in form of LH OR FSH hormone. It can sometimes cause
Nausea vomit, constipation, mood swings, low abdominal heaviness, breast tenderness.
These are experienced by some.
Once you are ready then you will be admitted as day care procedure and egg retrieval done under short anesthesia. You will be able to go home in 6 to 7 hours.
During this period of stimulation, you can do regular routine work.
Zumba, jumping and heavy activities avoided during stim.
So, freezing your eggs now is a better. Option
If you delay further the quality and quantity of eggs gets hampered.

Ans: Investing for one year requires a strategy prioritising safety, liquidity, and reasonable returns. Let us explore suitable options and their benefits.

Understanding Short-Term Investment Needs
Time Frame: One year or less.
Objective: Generate good returns while ensuring minimal risk.
Considerations: Tax implications and ease of withdrawal.
Recommended Investment Categories
1. Debt Mutual Funds
Why Choose: These funds invest in fixed-income securities.
Benefits: Stable returns with low risk.
Ideal Types: Ultra-short duration funds or low-duration funds.
Taxation: Gains taxed as per your income slab.
2. Fixed Deposits with Banks
Why Choose: Bank FDs are a secure option for short-term needs.
Benefits: Guaranteed returns with no market risk.
Interest Rate: Competitive for one-year tenure.
Taxation: Interest is added to taxable income.
3. Arbitrage Funds
Why Choose: These funds leverage market inefficiencies.
Benefits: Tax-efficient returns with minimal risk.
Taxation: Treated as equity funds.
4. Recurring Deposits (RDs)
Why Choose: RDs are suitable for disciplined savings.
Benefits: Fixed returns with no market risk.
Taxation: Interest is taxable.
Why Avoid High-Risk Investments
Short-term investments should prioritise stability.
Equity-oriented investments are volatile in the short term.
High returns come with higher risks, unsuitable for one year.
Active Management vs Index Funds
Avoid Index Funds: These are passive and less flexible for short durations.
Prefer Actively Managed Funds: Fund managers actively optimise returns.
Tax-Efficient Withdrawals
Plan withdrawals to minimise tax liability.
Consider funds with indexation benefits for long-term tax efficiency.
Steps to Start
1. Choose the Right Platform
Invest through an MFD with CFP credentials.
Avoid direct funds for better support and advice.
2. Allocate Wisely
Diversify across debt funds, FDs, and arbitrage funds.
Ensure balance between risk and return.
3. Monitor Regularly
Track fund performance to ensure expected returns.
Be prepared to shift if performance lags.
4. Plan for Reinvestment
At the end of one year, assess gains.
Reinvest in suitable options to maximise growth.
Finally
Short-term investing needs careful selection of options that balance safety and returns. Choose debt mutual funds, bank FDs, or arbitrage funds to meet your objective. Avoid equity-oriented investments for one year. Consult a Certified Financial Planner for tailored guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment