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Should I Be Worried About Mucus and a Feeling of Something Stuck in My Throat?

Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1144 Answers  |Ask -

General Physician - Answered on Oct 30, 2024

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more
Asked by Anonymous - Jul 17, 2024Hindi
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Hi, I am feeling some difficulting in swallowing food. There seems to be some mucus around the throat area all the time which makes me more uncomforatble. Also, there is a feeling of something stuck in my throat. Can you suggest please if there are some remedies.

Ans: How old are you
And what are dietary habits
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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Mutual Funds, Financial Planning Expert - Answered on Nov 09, 2024

Asked by Anonymous - Nov 09, 2024Hindi
Money
Hi, I am 45 working and wants to retire now. My wife salary is around 50k/month and she can work for another 18 yrs. Have 2 kids studying in 7th and 2nd class. I have ancestors home to live and major future expense will be kids higher education and marriage. Presently monthly expense is 40k. Regarding investment I have PPF 28 lacs maturing is 2 years, SSY 9 lac, wife PPF 5 lac, MF value 50 lac, equity 12 lac, EPF 11 lac, SGB 6 lac and FD/NSC 26 lac maturing all in next 3-4 yrs. No need of instant money. Please suggest if I can retire now and yes how can I invest my corpus for steady return
Ans: Retiring early is achievable for you with some strategic planning. Given your wife's consistent income, your existing corpus, and the specific needs for children's education and marriage, you can structure investments to sustain both immediate and future financial needs.

Here's a structured approach to plan your retirement:

1. Assessing Income Requirements
With monthly expenses at Rs 40,000, your wife’s income should comfortably cover routine household costs. However, you must ensure your investments provide a stable income as a buffer.

Estimating future inflation and children’s education costs is essential. Education and marriage may require sizable amounts, so it’s wise to earmark specific investments for these expenses.

2. Investment Allocation for Stability and Growth
To sustain your corpus and ensure it grows, dividing it into various categories can be beneficial:

2.1. Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY)
PPF: With Rs 28 lakh in PPF maturing in two years, the amount can continue growing without immediate withdrawal. This will allow it to act as a secondary emergency fund.

SSY: Your SSY amount of Rs 9 lakh offers good returns until maturity, making it ideal for your daughter’s future education or marriage needs.

Wife’s PPF: With Rs 5 lakh in her PPF, continue this as a low-risk, tax-free growth option. It will contribute toward your retirement needs.

2.2. Mutual Funds (MF) and Equity
Mutual Funds: At Rs 50 lakh, mutual funds can provide a balance of growth and steady returns. Continue your SIPs in actively managed funds for higher potential returns, as these are guided by expert fund managers compared to index funds. Actively managed funds allow flexibility, adapt to market trends, and provide a diversified growth path.

Equity: Your Rs 12 lakh in stocks offers high growth potential. However, direct stocks come with higher volatility. Rebalancing a portion to a balanced or flexi-cap mutual fund could add stability.

2.3. Employee Provident Fund (EPF)
EPF at Rs 11 lakh acts as a stable, long-term asset with tax-free growth. This can be a reserve fund for later years of retirement, extending your income over time.
2.4. Sovereign Gold Bonds (SGBs)
With Rs 6 lakh in SGBs, you have a secure inflation hedge. Gold generally appreciates over time, offering a safety net. Keep this as a long-term asset for emergencies or children’s marriage.
2.5. Fixed Deposits and National Savings Certificates (FD/NSC)
Rs 26 lakh in FDs and NSCs maturing over 3-4 years can ensure short-term liquidity. For reinvestment, consider liquid funds or ultra-short-term debt funds for modest but stable returns, as they offer flexibility and better tax efficiency compared to traditional FDs.
3. Strategy for Steady Income Generation
Given your corpus and minimal monthly needs, you can rely on a Systematic Withdrawal Plan (SWP) and other low-risk options for steady income.

Systematic Withdrawal Plan (SWP): Consider setting up an SWP from your mutual fund corpus. This approach can provide a monthly cash flow without depleting the corpus immediately, especially if you use balanced or hybrid funds.

Debt Funds: Post maturity of your FD/NSC, consider reinvesting in debt mutual funds. These can offer better returns than traditional bank deposits with tax efficiency. Opt for funds with moderate durations to reduce interest rate risk.

4. Child Education and Marriage Planning
Education and marriage planning can be handled by earmarking specific assets for predictable growth:

PPF and SSY for Education: PPF maturity in two years can coincide with your child’s high school expenses. Likewise, SSY can be reserved for your daughter's education or marriage expenses. These instruments offer tax benefits and assured returns.

Dedicated Mutual Funds: You may consider allocating some portion of mutual funds specifically for children’s future. Balanced Advantage Funds or multi-cap funds could suit this purpose, providing both growth and stability.

5. Tax-Efficient Planning
Given the new capital gains tax rules, consider tax efficiency in each asset class:

Equity Mutual Funds: Long-term gains above Rs 1.25 lakh are taxed at 12.5%, while short-term gains are taxed at 20%. Plan withdrawals strategically to keep gains within tax-free limits where possible.

Debt Mutual Funds: Gains are taxed as per your income slab. Post-retirement, when your income is lower, debt funds may become more tax-efficient than fixed deposits.

6. Emergency Fund and Health Coverage
Having a reserve is crucial for any unplanned expenses or emergencies:

Emergency Fund: Retain some funds in liquid investments, like liquid or ultra-short-term funds. This fund should cover at least 6-12 months of expenses.

Health Insurance: Ensure your family’s health coverage is adequate. Health costs tend to rise, so enhancing health coverage can prevent corpus depletion.

7. Estate Planning and Succession
Since you have ancestral property, structuring an estate plan is crucial to ensure a smooth inheritance for your children. A well-drafted will and nomination updates for all financial assets will make it easier for your family in the future.

Finally
Early retirement is achievable with smart financial moves. Your existing portfolio has significant potential, and with a structured plan, you can generate a stable income for years.

The outlined steps above ensure that your financial goals, family needs, and investment potential are fully covered. Focus on disciplined re-investment and consider reviewing your portfolio periodically to ensure alignment with evolving needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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