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Roopashree Sharma |187 Answers |Ask -Follow

Yoga, Naturopathy Expert - Answered on Apr 10, 2023

Roopashree Sharma, a qualified yoga trainer and naturopathy enthusiast, is the founder of Atharvanlife.
She has completed her diploma in naturopathic medicine/naturopathy from DY Patil University and her advanced diploma in yoga teacher training/yoga therapy from the university of Mumbai.... more

Question by ZAHID on Apr 07, 2023Hindi

Health

Hi..I have been recently getting problems with sleeping.I get up after 3-4 hours of sound sleep and then it becomes a struggle to sleep again.I have consulted an ENT who ruled out sleep apnea but suggested that my uvula, which is inflamed might be causing a disruption in airflow. Kindly suggest a possible remedy

Ans: Hi Zahid, It will be helpful to know your age, weight, height and if you have any other ailments - for a proper diagnose. While you know the problem, the treatment will depend upon its root cause. Meanwhile, I suggest you keep your weight in check, start simple breathing exercises, don't eat too late at night (strictly not after 8pm).

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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Question by Venkattesh - Mar 07, 2023Hindi

Health

Hi Dr I am 40 year old female, am not able to sleep properly. Till 2 years back sleep was normal.. now I sleep only by around 1-1.30 that too with lot of difficulty.. even though if I go to bed at 10.. I am facing hair loss and due to less sleep having frequent headaches and I have to resort to paracetamol for relief from headache.. Pls suggest what has to be done, which specialty to consult is there any alternative solutions I am totally disturbed Regards Supriya

Ans: Hello Supriya,
This could be stress/hormonal related which is affecting your sleep and hair. Please consult a good naturopath or a nutritionist. You need to first do a set of blood tests which will tell us about your vitamin D3/estrogen/B12 levels etc. Accordingly the diet needs to be modified. Lack of Vit D3 also gives sleep issues.
Also a good night routine can help like penning down thoughts to reduce incomplete cycles, writing down things you are grateful for, salt water bath, using some aroma oils like Lavendar, sipping on chamomile tea.
When our mind has less incomplete thoughts we are more peaceful and the parasympathetic nervous system gets activated. This helps us to get sound sleep immediately.
Yoga can also make a huge difference especially certain pranayamas and asanas done at night.
All the best!

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Dr Karthiyayini Mahadevan |696 Answers |Ask -Follow

General Physician - Answered on Jul 03, 2023

Question by Sulochana - Mar 16, 2023Hindi

Health

Hello Doctor I can’t sleep through the night. Sometimes falling asleep is a problem, sometimes I’m up in the middle of the night and going back to sleep is a problem. Please advise me.

Ans: Too much of sensory overload through visuals, and late dinners are some of the causes for not falling asleep. Please pay attention to your dinner meal. Eat early before 7pm and avoid animal protein, and oily food at dinner meal

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Roopashree Sharma |187 Answers |Ask -Follow

Yoga, Naturopathy Expert - Answered on Mar 30, 2023

Question by Swapnil - Mar 16, 2023Hindi

Health

Health I am 53 years old. from last many years , I am finding difficulty to sleep uninterruptedly which is 3 to 4 hours at a stretch. I sleep around 11pm daily and do not rest during day also. My work routine is not hectic and also not too stressful. Due to this I feel tired and unenthusiastic. I exercise 2/3 times in a week which is not very vigorous and also I have a very light meal at night. Pl guide

Ans: Hi Swapnil,
Excessive exertion also makes it difficult for the body to relax. I suggest you relax for a few hours without digital exposure before going to bed. Have a bath or at least wash your feet, practice deep breathing, meditation for 15-20 minutes before going to bed. This relaxes the mind so you can get deep sleep, unlike going straight to bed after a hectic schedule. You can also try aroma therapy with natural oils to relax the mind.

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Dr Hemalata Arora |171 Answers |Ask -Follow

General Physician - Answered on May 29, 2023

Question by c - May 25, 2023Hindi

Health

Madam, I am suffering with sleeping issues i.e not able to sleep more than 3 hours at night and this is happening after 1 year of covid infection recovery

Ans: You can start with practicing sleep hygiene:
1. Sleep and wake up time should be about the same everyday, only 15-20 min here and there.
2. You should not eat, exercise or take part in any stimulating activity for 2 hours before sleep time.
3. You must try to sleep in a calm environment with lights off and as far as possible no sound.
4. Try to ensure appropriate temperature in the room through the night, neither too cold, nor too hot.
5. Try to listen to something calming for 30-45 min before sleep, either soothing music/ some chants/ teachings.
6. Aclohol use can disrupt sleep in some people and should be avoided.
7. There may be some underlying anxieties that are surfacing and disrupting sleep. You may need to address those separately.

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Shreya Shah |77 Answers |Ask -Follow

Nutritionist, Diabetes Educator - Answered on Mar 22, 2024

Question by PRADEEP - Mar 01, 2024Hindi

Health

Pradeep Kumar Pune I am 79 years old and I retired about 20 years ago. I am quite active and walk for about 45 minutes in the morning and half an hour in the evening before dinner. I am having the problem in having continuous sleep at night. I wake up at least 3 times during the night and get a disturbed sleep on most nights. Please suggest ways to get better sleep during nights

Ans: - Avoid caffeine after 3pm in the afternoon
- Restrict the afternoon nap to max-20min
- Avoid all kind of screens- 1hr prior to bedtime
- Avoid any stressful conversations at bed time
- Avoid rigorous activity prior to bed time
- reduce water intake post 7pm, so there are less washroom breaks
- Early dinner

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Latest Questions

Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 20, 2023Hindi

Money

Hello Sir, I'm 40 yrs old have been investing 5K in each fund since 2 yrs now and below is the portfolio. Request to know if I need to continue with these funds and if yes, should I increase my SIP amount. Axis small Cap kotak Emerg Equity Mirae Asset Large and Midcap PGIM India Midcap SBI Small Cap

Ans: Your diversified portfolio showcases a mix of small-cap, mid-cap, and large & mid-cap funds, offering potential for growth across market segments. However, it's essential to review your portfolio periodically and ensure it aligns with your financial goals and risk tolerance.

Consider factors like the fund's performance relative to its benchmark and peers, consistency of fund management, and changes in your financial situation. If these funds continue to meet your investment objectives and demonstrate strong performance, you may consider continuing with them.

As for increasing your SIP amount, evaluate your capacity to invest more based on your income, expenses, and other financial commitments. If you have surplus funds available for investment, increasing your SIP amounts can accelerate wealth accumulation over time. However, ensure you maintain a balance and don't overextend your finances.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances. Together, you can assess your investment strategy and make informed decisions to achieve your financial goals.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 21, 2023Hindi

Money

Hi, I am looking for good mutual fund scheme which will help me accumulate funds for my kids post graduation. He is 14yr old so I would need this sum by 8th yr. Can u pls suggest good schemes and amount required to achieve this goal.

Ans: Considering an 8-year investment horizon for your child's post-graduation, you can explore equity mutual funds for potential growth. To estimate the required amount, determine the expected cost of your child's post-graduation education and factor in inflation.

For aggressive growth potential, consider allocating a significant portion to diversified equity funds, preferably large-cap or multi-cap funds for stability. Additionally, you might allocate a smaller portion to balanced funds or hybrid funds to manage risk.

It's crucial to select funds with a proven track record, experienced fund managers, and consistent performance. Regularly review and adjust your investment strategy to ensure it remains aligned with your financial goals and risk tolerance.

Consulting with a Certified Financial Planner can provide personalized guidance and help you determine the appropriate investment amount based on your specific needs and circumstances. Together, you can create a tailored investment plan to secure your child's future education.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Joydeep - Dec 22, 2023Hindi

Money

Good morning, l don't have any investment and i am 40. I can save 20k every month and l required 1 cr after 10 or 12 years. Kindly suggest where to invest so that I can 1 cr after 10 or 12 years.

Ans: Saving Rs. 20,000 monthly is a great start towards your financial goals. To reach 1 crore in 10-12 years, consider investing in a mix of equity and debt instruments. Allocate a significant portion, say around 70-80%, to equity mutual funds for long-term growth potential. Choose diversified funds like large-cap, multi-cap, or balanced funds for stability and growth. For the remaining portion, allocate to debt instruments like debt mutual funds or fixed deposits to provide stability and manage risk.

Regularly review and adjust your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Additionally, consider factors like inflation and taxes when planning your investments. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Remember, disciplined saving and prudent investing can help you achieve your goal of 1 crore in 10-12 years.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Shivaji - Dec 22, 2023Hindi

Money

Edelweiss Small Cap Fund can i invest for 5 to 10 years?

Ans: Investing in Edelweiss Small Cap Fund for 5 to 10 years can be considered, but it's essential to understand the associated risks and conduct thorough research before making a decision. Small-cap funds like Edelweiss Small Cap Fund typically offer high growth potential but come with increased volatility and risk. Ensure the investment aligns with your risk tolerance, investment horizon, and financial goals. Regularly review the fund's performance and monitor changes in market conditions. Additionally, consider diversifying your investment portfolio to spread risk across different asset classes. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances. Remember, investing in small-cap funds requires a long-term perspective and patience to ride out market fluctuations.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 23, 2023Hindi

Money

Hello, My 8-year-old daughter has received around Rs. 3,00,000/- as a gift from relatives, which is now in her account. I am looking to invest this amount for the next 10-12 years without any need for frequent monitoring. Please provide suggestions on this matter. Regards,

Ans: Congratulations on your daughter's generous gift! Investing this amount for her future is a wonderful idea. For a long-term investment horizon of 10-12 years with minimal monitoring, consider options like a mix of equity mutual funds or a balanced fund. These funds provide growth potential while spreading risk across different assets. Additionally, you might explore options like a Children's Mutual Fund or a Sukanya Samriddhi Yojana for specific benefits tailored to children's savings. It's essential to choose investments aligned with your risk tolerance and financial goals. Also, ensure you understand the investment vehicle's terms and conditions, including any lock-in periods or withdrawal restrictions. Regularly review the investment's performance and adjust the strategy as needed, but remember to keep the long-term perspective in mind. Consult with a Certified Financial Planner to tailor a plan that suits your daughter's future needs and aspirations.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 24, 2023Hindi

Money

quant small cap fund growth direct plan is good sip?

Ans: Investing in a small-cap fund via SIP can offer growth potential, but it's essential to consider various factors before making a decision. Small-cap funds are known for their higher growth potential, but they also come with increased volatility and risk. Are you comfortable with the potential fluctuations in value over the short term? Moreover, research the fund's track record, fund manager's expertise, and expense ratio to ensure alignment with your investment goals. Remember, investing is about finding the right balance between risk and reward. As a Certified Financial Planner, I encourage you to diversify your portfolio and consider your risk tolerance before investing in small-cap funds. It's wise to consult with a financial professional to evaluate if this fund suits your investment strategy and long-term goals. Ultimately, your investment decisions should reflect your financial aspirations and risk appetite.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 25, 2023Hindi

Money

Sir, My monthly income is around 2,00,000 per month and monthly expenditure around 45000. I'm 45 and want to achieve retirement goal in 60. How much asset allocation do you think is right for medium risk to invest in equity, debt, SGB, reit and others etc. I am thinking of starting investing in a large cap index and a flexicap. For protection of volatility, and less risk I should invest in debt mutual funds or should go for nps? Pls suggest any other option you have.

Ans: With a clear goal of retiring at 60 and a monthly surplus, your financial discipline is commendable. For medium risk, consider an asset allocation that balances growth potential with stability. Aim for around 60-70% allocation to equities (including large-cap index and flexi-cap funds), providing long-term growth potential. Allocate 20-30% to debt instruments like debt mutual funds or National Pension System (NPS) for stability and protection against market volatility. Additionally, consider Sovereign Gold Bonds (SGBs) for diversification and Real Estate Investment Trusts (REITs) for exposure to real estate without direct ownership. Regularly review and rebalance your portfolio to maintain desired allocation levels. Consult with a Certified Financial Planner to tailor a plan suited to your specific needs and risk tolerance. Remember, investing is a journey, and with prudent asset allocation, you can navigate towards a secure retirement.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 25, 2023Hindi

Money

Hi, I'm 45 now and have mixed SIPs (2small cap, 3ELSS, 2 mid cap and 1flexi cap) for around 46K per month. I still have 15 years to my retirement. Need your suggestion if I should keep so many SIP running or should have only 1 per category to achieve my goal of around 2 - 3cr at my retirement only through SIPs.

Ans: At 45, your commitment to SIPs is commendable for securing your retirement. However, consolidating your SIPs can simplify management and potentially optimize returns. Consider maintaining one SIP per category to streamline tracking and rebalancing. Evaluate the performance and consistency of each fund against its peers and benchmarks. Reflect on your risk tolerance and ensure your portfolio aligns with your long-term goals. Remember, investing is about quality over quantity, and diversification remains key. As you aim for a retirement corpus of 2-3 crores, focus on disciplined investing and periodic review. Consult with a Certified Financial Planner to fine-tune your strategy for optimal results. Keep nurturing your investments with patience and perseverance, knowing that every SIP contributes to your financial security in the golden years ahead.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Ram - Dec 27, 2023Hindi

Money

Sir, I want to invest Rs. 10000 p.m. in Mutual funds for over 10 years. Can you suggest some best funds.

Ans: Investing Rs. 10,000 monthly in mutual funds for a decade is a wise step towards securing your financial future. As a Certified Financial Planner, I commend your commitment to long-term wealth creation. Consider funds across diverse categories like large-cap, multi-cap, mid-cap, or small-cap, based on your risk tolerance and financial goals. Remember, investing is like nurturing a garden - it requires patience, care, and occasional pruning. Embrace the journey, acknowledging that markets may fluctuate, but staying invested can reap rewards in the long run. Reflect on your aspirations, knowing that every rupee invested today is a seed for tomorrow's growth. And in this journey, remember to seek guidance from a Certified Financial Planner who can navigate you through the highs and lows of the investment landscape. Keep planting seeds of prosperity, and watch them bloom into a bountiful harvest over time.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Gurpreet - Dec 27, 2023Hindi

Money

Hello Sir, I am investing 25k in kotak emerging equity fund, 2k in SBI blue chip fund, 2k in Nippon small cap fund and 1.5k in kotak flexicap fund. All are monthly SIPs. I want to remain invested for another 10 yrs atleast. Can I continue with these funds? Thanks

Ans: Your investment strategy seems diversified, which is a positive approach. However, it's essential to regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. As you aim to remain invested for another decade, consider assessing the performance of each fund periodically, typically every six months to a year. Look into factors like fund manager consistency, expense ratios, and the fund's performance compared to its benchmark and peers.

Moreover, verify if your financial goals and risk appetite are still consistent with the chosen funds. If you're satisfied with the performance and believe they can help you achieve your long-term objectives, you can continue with your current investments. However, if there are any changes in your goals or risk tolerance, or if any of the funds underperform consistently, you may need to reevaluate your investment strategy and make adjustments accordingly.

Always remember to consult with a Certified Financial Planner or investment advisor for personalized guidance tailored to your specific financial situation and goals.

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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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