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Dr Vivek Mahajan  |40 Answers  |Ask -

Cardiologist - Answered on Aug 17, 2023

Dr Vivek Mahajan is an interventional cardiologist with over 10 years of experience.
He specialises in treating heart ailments and cardiac interventional surgeries.
He has been working as interventional cardiologist and electrophysiologist at Fortis Hospital since 2013.
Dr Mahajan has a postgraduate degree in interventional cardiology from the Post Graduate Institute of Medical Education and Research, Chandigarh, and a master’s degree in medicine from the All India Institute Of Medical Science, New Delhi.... more
Vijay Question by Vijay on Aug 17, 2023Hindi
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Dear Dr.Hadge, I am 58 years old, non alcoholic & non smoker. My recently conducted StressEcho is found negative. Moreover, I am a daily walker (5 km in 50 minutes) and very limited intake of salt. To control hypertension, I am on Metaprolol(25 mg/evening) and Telmisartan (20 mg/morning). Also taking Thyronorm(25 mch) and atorvas(10 mg) daily. On the advise of Cardiologist, I have reduced dose of Telmisartan to 20 mg (earlier it was Telma-H/40mg) however still experiencing low BP (some time in the range of 100-60). Please guide how to mange BP and Cholesterol for a long term. Also guide how to avoid occurrence of any cardiac complications since we have genetic history (paternal side) of cardiac arrest/death.

Ans: With your doctors advice you may discontinue telmisartan. Get cholesterol checked and treated with meds if necessary. Moderate level aerobic exercises like walking at brisk pace swimming cycling for 30 min atleast 5 days a week and 1 or 2 15 min session of mod level weight training are recommended for most people. Diets should be rich in whole grains fruits vegetables seeds pulses and legumes and devoid of processed sugars like aerated drinks, low Fibre items like bakery products, red meat and high fat dairy products, junked and packed foods with restrictions on salt and oil use during preparation
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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Hello Hardik, Iam 40 Years and have started investing in SIP for the past 6 months.Below are my monthly investment 1. Parag Parikh Flexi Cap Regular Growth - 3500 2. Canara Robeco Small Cap Fund Growth - 3000 3. HDFC Retirement Savings Fund Equity Growth - 3000 4. NPS - 3500 I am planning for 18 Years of investment and aiming to slowly increase the SIP to achieve corpus of 2.5-3.0 Cr. Kindly review and advice. Regards, Ram
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It's great to see that you've started investing systematically towards your long-term financial goals. Here's a review of your current SIP investments:

Parag Parikh Flexi Cap Regular Growth: This fund follows a diversified approach across various market caps and geographical regions, which can provide stability to your portfolio. It's suitable for long-term wealth creation.
Canara Robeco Small Cap Fund Growth: Small-cap funds can be volatile in the short term but have the potential to offer high returns over the long term. Ensure you're comfortable with the risk associated with small-cap investments.
HDFC Retirement Savings Fund Equity Growth: This fund is designed to provide wealth accumulation for retirement. It's aligned with your long-term investment horizon and retirement goal.
NPS: The National Pension System (NPS) is a retirement-focused investment option offering tax benefits. It's prudent to contribute to NPS alongside other investments for retirement planning.
To achieve your target corpus of 2.5-3.0 Cr over 18 years, consider periodically reviewing your SIP contributions and adjusting them based on changes in your income, expenses, and market conditions. Additionally, diversify across asset classes to manage risk effectively.

As your financial goals evolve, consider consulting with a Certified Financial Planner to ensure your investment strategy remains aligned with your objectives.
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Hello Sir This Sanjeev Kumar, From Himachal Pradesh. Below are my Investments. Sir I would like to known that Is my portfolio good enough to get better return. I want to accumulate 20 to 30 lakhs in next 10 to 12 years from below investment. Also suggest me that whether, below MF are good enough, or reshuffling is required. 1. Aditya Birla Sun life Multi Cap Fund-regular growth --- Rs 1000/- 2. Invesco India Flexi Cap Fund-regular plan growth ---- Rs 1000/- 3. Invesco Multicap fund-Regular growth --- Rs 1000/- 4. Kotak Emerging Equity fund growth ---- Rs 1000/- 5. Kotak tax saver fund growth (ELSS) ---Rs 500 /- 6. Kotak multi cap fund --------- Rs 1000/- 7. Union long term equity fund growth regular plan ----- Rs 1500/- 8. Nippon India Flexi cap fund ----------- Rs 1000/- 9. LIC ------------------ 51000 /- (Annually). 10. PPF -------------- 1.5 lac (Annually, Since 2015). 11. NPS ------------ 50000 /- (Annually).
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Your investment portfolio appears to be diversified with a mix of mutual funds, insurance, and other instruments. Diversification is key to managing risk and potentially achieving better returns over the long term. However, it's essential to periodically review and rebalance your portfolio to ensure it aligns with your financial goals and risk tolerance.

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Less than 1 month:
Liquid Funds: These funds invest in very short-term money market instruments with a maturity of up to 91 days, ensuring high liquidity and stability.
Recommended Fund: Axis Liquid Fund, ICICI Prudential Liquid Fund, Aditya Birla Sun Life Liquid Fund.
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Ultra Short Duration Funds: These funds invest in debt and money market instruments with a slightly longer duration than liquid funds, typically up to 6 months.
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Low Duration Funds: These funds invest in debt securities with a maturity between 6 months to 1 year, providing relatively higher returns than liquid and ultra-short duration funds.
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Good after noon My Self Hemant Pal, age is 42 years. I am investing Rs 4000/M in DSP Small cap for last 8 years. I would like to invest more with horizon of 7 -15 years ( Two Kids, with the Daughter’s age 7 and son’s age 9 years). 8 years duration : for Son’s education purpose (approx. 50 lacs) 10 years: for Daughter’s education purpose (approx. 50 lacs) 14-15 years: for Marriage of both kids ( approx. 50 lacs each) Kindly advice for suitable MF.
Ans: Hemant, it's commendable that you're planning ahead for your children's education and marriage. Given your investment horizon of 7 to 15 years, here's a tailored suggestion:

Equity Mutual Funds for Long-Term Growth: Since you already have experience investing in DSP Small Cap, you may consider continuing with it for your son's education goal. For your daughter's education and both kids' marriage goals, you can diversify into a mix of large-cap, multi-cap, and balanced funds for stability and growth potential.
Large-Cap Funds: These funds invest in established companies with a proven track record. They offer stability and are suitable for long-term goals like education and marriage. Consider allocating a portion of your investment to large-cap funds to balance risk.
Multi-Cap Funds: These funds invest across companies of different market capitalizations, offering diversification and potential for higher returns. They are suitable for longer investment horizons and can help you achieve your goals over time.
Balanced Funds: Also known as hybrid funds, these invest in a mix of equity and debt instruments, providing a balanced approach to risk and return. They can be ideal for medium to long-term goals like education and marriage.
Regular Review and Rebalancing: Periodically review your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Rebalance your portfolio if necessary to maintain the desired asset allocation.
Remember to consider factors like risk tolerance, investment horizon, and financial goals when selecting mutual funds. It's also advisable to consult with a certified financial planner for personalized advice based on your specific 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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