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Dr Karthiyayini Mahadevan |696 Answers |Ask -Follow

General Physician - Answered on Mar 23, 2023

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

Question by Rajesh on Mar 21, 2023Hindi

Health

I had bloating issues at night due to that I m not able to sleep properly what should I do ??

Ans: Avoid taking heavy protein particularly of animal source at dinner meal.
Have an early dinner before 7 pm.
No fat in dinner too

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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Dr Ashit Hegde |180 Answers |Ask -Follow

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on Apr 29, 2023

Question by Rajesh - Feb 18, 2023Hindi

Health

I had acute problem of bloating and my throat gets choked at night due to bloating also there is hyper acidity so kindly inform us what to do too cure this

Ans: Avoid smoking, coffee, chocolates , nuts oily food. Have a light meal at night, have an early meal at night , go to bed a couple of hours after the night meal. Try to sleep with your head raised. May also need to take drugs known as Proton Pump Inhibitors under the guidance of your physician

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Dr Ashit Hegde |180 Answers |Ask -Follow

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on May 26, 2023

Asked by Anonymous - Apr 03, 2023Hindi

Health

Get bloated stomach. What to do for it?

Ans: There are several reasons for a bloated stomach. Could be due to intolerance of certain foods (milk , gluten for example). Certain foods also produce more gas e.g Beans, lentils , Asparagus, broccoli, , cabbage, corn, pasta, potatoes, and other foods rich in starch. Chew your food properly. Avoid drinking water during the meal (drink water before or after )

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Namita Piparaiya |39 Answers |Ask -Follow

Yoga, Wellness Expert - Answered on Jun 16, 2023

Question by Balkar - Jun 14, 2023Hindi

Health

My stomach bloated whenever I eat anything, how to overcome this

Ans: Hi Balkar, this would require a review of your diet, and you can consult a dietician or your physician to review your diet and gut health. The addition of carminative herbs like ginger, fennel, and clove can also help. In terms of yoga, postures like Pavanmuktasana or Apanasana and Sarvangasana can be helpful. Since bloating is linked to increased stress levels, relaxing practices like 1 min in child pose, 3 mins in Shavasana, 5-10 mins of Pranayama and 5-10 mins of Meditation should also be included to start with. Wish you all the best.

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Namita Piparaiya |39 Answers |Ask -Follow

Yoga, Wellness Expert - Answered on Jun 20, 2023

Question by Rajesh - Jun 17, 2023Hindi

Health

Hi Namita madam I m suffering from acid reflux and acute bloating at night due to which my mouth get choked and not able to sleep properly and I have to wake up so many times . Not able to breathe properly also . Please suggest what to do .

Ans: Hi Rajesh, sorry to hear about your problem. I hope you're taking due treatment for Acid Reflux. One of the most effective yoga techniques for GERD is Deep Diaphragmatic Breathing. You should practice it for at least 10-12 minutes a day on an empty stomach (you'll find a follow-along practice video on my channel, specifically for acidity). Practising it twice a day is also good. Secondly, you should carefully identify trigger foods that aggravate your acidity; some common ones are tomatoes, caffeine, and chocolate. By temporarily eliminating trigger foods, you give your body time to heal. These foods can always be added back. In terms of sleep, do not sleep on a full stomach, have a light meal, eat at least a few hours before sleeping (in other words, don't eat close to bedtime), sleep on the right side and get yourself an elevated wedge pillow which will help prevent reflux at night. These pillows are easily available online. The traditional practice of walking 100 steps after eating is also worth exploring. All the best!

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Radhika Iyer |62 Answers |Ask -Follow

Yoga Expert - Answered on Jul 12, 2023

Question by Rajesh - Jul 12, 2023Hindi

Health

Madam I m suffering bloating and my mouth get choked due to bloating at night . Which pranayam or excercise I do to overcome from this .this is from long time . kindly suggest ?

Ans: Namaste Rajesh bhai,
You need to consult a good Ayurvedic physician in your area. Internal cleansing of the body through pachakarma treatment will immensely help. Only when your metabolism starts to function well, will your body respond to breath work. Your doshas need to be balanced and Ayurveda is the best way to do this. Hope this will help.
P.S: Anulom-Vilom Pranayam will help a lot.

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Moneywize |99 Answers |Ask -Follow

Financial Planner - Answered on Apr 30, 2024

Asked by Anonymous - Apr 18, 2024Hindi

Money

I have Rs 1.2 crore in my bank account. My wife earns Rs 80,000 per month and I earn Rs 2 lakh per month. We have three children – two daughters and one son – who will need approximately 10 to 15 lakh each for their higher studies 7 to 12 years from now. How shall I go about meeting my children’s education goal and also plan for my retirement. My wife and I have about 15 and 7 years for our retirement.

Ans: It's great that you're thinking ahead for your children's education and your retirement! Here's a suggested plan to meet your goals:

1. Children's Education Fund:

• Since you have 7 to 12 years for your children's higher education, you can invest in relatively aggressive investment options like mutual funds or diversified equity funds. These have the potential to offer higher returns over the long term.
• Allocate a portion of your savings every month towards this goal. Considering inflation and assuming an average annual return of 10%, you would need to invest roughly Rs 20,000 to Rs 25,000 per month to accumulate the desired amount for each child's education.

2. Retirement Planning:

• Since you and your wife have 15 and 7 years left for retirement respectively, you'll want to focus on building a retirement corpus.
• Consider investing in a mix of equity and debt instruments to balance risk and returns. You can invest in mutual funds, provident funds, and Public Provident Fund (PPF) for a balanced portfolio.
• Aim to save at least 15-20% of your combined monthly income for retirement. Considering your current earnings, you can aim to save around Rs 50,000 to Rs 60,000 per month for retirement.

3. Asset Allocation:

Since you have a relatively long investment horizon for both goals, you can afford to have a higher allocation towards equities for potentially higher returns. As you approach your retirement age, gradually shift towards more conservative investment options to preserve capital.

4. Emergency Fund:

Make sure to maintain an emergency fund equivalent to 3-6 months of your combined living expenses. This fund should be readily accessible in case of unexpected expenses or emergencies.

5. Regular Review:

Regularly review your investment portfolio and make adjustments as needed based on changes in your financial situation, market conditions, and investment goals.

6. Professional Advice:

Consider consulting with a financial advisor to tailor a plan specific to your financial goals, risk tolerance, and investment preferences.

By following this plan diligently and investing consistently over the years, you should be well-prepared to meet your children's education expenses and enjoy a comfortable retirement.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Avinash - Nov 25, 2023Hindi

Money

Kirtan Sir I am investing Monthly, in below SIP. Axis Blue-chip Fund Direct Plan Growth - Rs. 1000.00 Canara Robeco Emerging Equites Fund - Rs. 1000.00 SBI Blue-chip Direct Plan - Rs.1000.00 ICICI Pru. Technology Direct Plan - Rs. 2000.00 Kotak Emerging Equity Fund - Rs. 1000.00 UTI Flexi Cap Fund - Rs. 1000.00 Nippon India Small Cap Fund - Rs.1000.00 Mirae Asset Emerging Bluechip Fund - Rs. 1000.00 Axis Growth Opportunities Fund - Rs. 1000.00 Parag Parikh Flexi Cap Fund - Rs.1000.00 HDFC Index Fund Nifty 50 Plan - Rs 1000.00 DSP Flexi Cap Fund - Rs. 10000.00 Franklin India Opportunities Fund - One Time Invested Rs. 4,00,000.00 Please suggest can i continue with this fund. Also, How Much Corpus Generate after 20 years with this fund.

Ans: Your current SIP portfolio showcases a diversified mix of funds across various categories, including large-cap, mid-cap, small-cap, flexi-cap, and index funds. Each fund serves a specific purpose and contributes to the overall diversification of your portfolio.

To determine whether you should continue with these funds, consider the following:

Fund Performance: Evaluate the past performance of each fund, considering factors like consistency, returns generated, and volatility. Monitor how the funds have performed relative to their benchmarks and peer group.
Fund Objectives: Assess whether the objectives of each fund align with your investment goals and risk tolerance. Ensure that the funds you've chosen are suitable for your financial objectives and time horizon.
Portfolio Rebalancing: Periodically review your portfolio and rebalance if necessary to maintain your desired asset allocation and risk profile. Consider reallocating funds from underperforming or overlapping funds to better-performing ones.
Regarding the corpus generated after 20 years, predicting exact returns is challenging due to market uncertainties. However, you can use online calculators or consult with a financial advisor to estimate the potential corpus based on your monthly SIP amounts, expected returns, and investment duration.

Remember, investing is a long-term journey, and staying disciplined, diversified, and informed is key to achieving your financial goals. Consider seeking advice from a Certified Financial Planner for personalized guidance tailored to your specific circumstances and objectives.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by SUBHASIS - Nov 28, 2023Hindi

Money

Please suggest me to choose india's best mutual fund for midcap and samallcap

Ans: Choosing the best mutual fund for mid-cap and small-cap investments requires careful consideration and research. Look for funds with a consistent track record of performance, preferably managed by experienced fund managers with a deep understanding of the market.

Consider factors like fund size, expense ratio, and portfolio composition to ensure alignment with your investment objectives and risk tolerance. Remember, mid-cap and small-cap funds can be more volatile than large-cap funds, so be prepared for fluctuations in returns.

Additionally, prioritize funds with a disciplined investment approach and a focus on quality stocks with strong growth potential. Regularly review the fund's performance and stay updated with market trends to make informed decisions.

As a Certified Financial Planner, I appreciate your commitment to thorough research and prudent investing. Remember, there's no one-size-fits-all answer, so choose funds that suit your financial goals and align with your risk appetite. Happy investing!

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 02, 2023Hindi

Money

Hi Kirtan, I already have SIP in PPFAS Flexicap, Axis Small Cap, CR Flexicap, Kotak Emerging, SBI Magnum Midcap. Now I have 3-4 lakhs which I plan to invest in an equity fund. Can I invest in Nippon India Multicap Fund via STP from a debt fund ? If yes, which debt fund will be good for STP over a period of 2-3 years. Is this new investment a good idea or I should invest in my exisiting MF's. Please advise.

Ans: Your portfolio already reflects a diversified mix of equity funds across different market segments, which is great. As for your new investment, Nippon India Multicap Fund is a reputable option, and using a Systematic Transfer Plan (STP) from a debt fund can be a smart way to gradually move your funds into equities.

For the debt fund, consider options like Liquid Funds or Ultra Short Duration Funds, which offer stability and liquidity while generating modest returns. Popular choices include SBI Liquid Fund or HDFC Ultra Short Term Fund.

Before proceeding, evaluate if adding another equity fund aligns with your overall investment strategy and risk tolerance. Also, assess if you have any gaps in your existing portfolio that Nippon India Multicap Fund can fill.

Ultimately, the decision depends on your financial goals, risk appetite, and investment horizon. If you're comfortable with the strategy and it complements your existing portfolio, investing via STP into Nippon India Multicap Fund can be a prudent move. However, if you're uncertain, it's wise to consult with a Certified Financial Planner for personalized advice tailored to your specific circumstances.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Mir - Dec 04, 2023Hindi

Money

I'll give some details in brief about myself and my goals in points. 1) I am 28 presently working in PSU(Bank) unmarried. 2)I've started sip last month with 20k(2 small cap, 2 flexicap, 1 Midcap, 1 largecap fund). 3)my goal is to reach corpus of 1 crore in 15 years. 4) I want your guidance in achieving my goal. 5)presently I have not taken any loans so no EMI , also I've started RD of 7k per month.

Ans: It's fantastic that you're proactively planning for your financial future at such a young age. Here's a tailored guidance based on your details:

Start Early Advantage: Your decision to start SIPs and an RD at 28 is commendable. Starting early gives you a significant advantage in wealth accumulation due to the power of compounding.
Diversification: Your portfolio of SIPs in small-cap, flexi-cap, mid-cap, and large-cap funds shows good diversification across different segments of the market. Continue monitoring the performance of these funds and consider rebalancing if needed.
Goal Clarity: Your goal of reaching a corpus of 1 crore in 15 years is specific and measurable, which is crucial for effective financial planning. Keep reviewing your progress towards this goal periodically and make adjustments as necessary.
Regular Review: Stay updated with the performance of your investments and periodically review your financial plan. Consider increasing your SIP contributions over time as your income grows or if you have surplus funds.
Emergency Fund: Ensure you have an emergency fund set aside to cover unexpected expenses or financial setbacks. Aim to build an emergency fund equivalent to 6-12 months of your living expenses.
Stay Informed: Continue educating yourself about personal finance and investment strategies. Consider seeking advice from a Certified Financial Planner for personalized guidance tailored to your specific financial situation and goals.
By staying disciplined, continuing your SIP contributions, and periodically reviewing your financial plan, you're on the right track to achieving your goal of reaching a corpus of 1 crore in 15 years. Keep up the good work, and remember that consistency and patience are key to long-term wealth creation.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by BHARAT - Dec 06, 2023Hindi

Money

Dear Sir, I am 40 years old and i want to invest Rs.10,000/- per month through SIP in Mutual Funds for the period of 10 Years. Currently No investments in Stocks & Mutual Funds, Please suggest in which funds i have to invest.

Ans: Investing Rs. 10,000 per month through SIPs in mutual funds over a 10-year period is a prudent step towards building wealth. Here's a diversified portfolio suggestion to consider:

Large Cap Funds: Allocate a portion of your investment to large-cap funds for stability and steady growth. These funds invest in well-established companies with a track record of performance and stability.
Mid Cap Funds: Diversify your portfolio by investing in mid-cap funds, which focus on companies with moderate market capitalization. These funds have the potential for higher growth compared to large caps but come with slightly higher risk.
Multi Cap Funds: Invest in multi-cap funds to gain exposure across companies of various sizes, providing diversification and flexibility. These funds have the flexibility to invest in large, mid, and small-cap stocks based on market conditions.
Balanced Advantage Funds: Consider allocating a portion of your investment to balanced advantage funds, which dynamically manage their equity exposure based on market valuations. These funds aim to provide stable returns across market cycles.
Index Funds: Include index funds in your portfolio for low-cost exposure to broad market indices like Nifty or Sensex. These funds replicate the performance of the underlying index and offer diversification at a lower expense ratio.
International Funds: Explore international funds to diversify your portfolio geographically. These funds invest in companies listed outside India, providing exposure to global markets and currencies.
Remember to conduct thorough research or consult with a Certified Financial Planner before investing. They can help tailor a portfolio based on your risk tolerance, investment goals, and time horizon. Additionally, regularly review your portfolio's performance and make adjustments if needed to stay on track towards your financial objectives.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Asked by Anonymous - Dec 05, 2023Hindi

Money

I have Gross 75000 salary, NPS-21000, PPF-3000, ELSS 3000. Monthly expenses-38000, saving-10000. How to increase my saving component. Also where to invest this saving ? No Loan taken as of now.

Ans: Increasing your savings is a commendable goal, and optimizing your investment strategy can help you achieve this. Here's a plan to boost your savings and make the most of your surplus:

Review Expenses: Conduct a thorough review of your monthly expenses to identify areas where you can potentially cut back. Look for discretionary spending that can be reduced without compromising your lifestyle.
Budgeting: Create a detailed budget outlining your income, expenses, and savings goals. Set realistic targets for each category and track your progress regularly.
Increase Income: Explore opportunities to increase your income, such as pursuing additional qualifications, certifications, or side gigs. Consider leveraging your skills and expertise for freelance work or part-time employment.
Automate Savings: Set up automatic transfers from your salary account to your savings or investment accounts. This ensures that a portion of your income is saved before you have the chance to spend it.
Invest Wisely: Allocate your surplus savings into investment options that offer a balance of growth potential and stability. Consider diversified mutual funds, SIPs, or other investment avenues based on your risk tolerance and financial goals.
Emergency Fund: Prioritize building an emergency fund equivalent to 6-12 months of expenses. This fund should be easily accessible and kept in a liquid, low-risk account to cover unexpected financial needs.
Seek Professional Advice: Consult with a Certified Financial Planner to create a personalized financial plan tailored to your goals and circumstances. They can provide guidance on optimizing your savings, investing wisely, and achieving your financial objectives efficiently.
By adopting these strategies and staying disciplined in your approach, you can increase your savings and work towards a more secure financial future. Remember, small changes in your savings and investment habits can yield significant results over time.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Nitin - Dec 12, 2023Hindi

Money

I am 42 years of age now and I want to accumulate a corpus of 1 crore rs in next 10 years for my retirement? I also have fund requirements for my kids education, their weddings and other expenses coming up in next 5-10 years. I can invest Rs.20000 per month as we speak.

Ans: Planning for retirement and future expenses for your children is a wise decision. Let's create a strategy to achieve your financial goals:

Retirement Corpus:
With a monthly investment of Rs. 20,000 and a 10-year horizon, aim for a diversified investment approach. Consider a mix of equity mutual funds, debt funds, and other investment options based on your risk tolerance.
Regularly review and adjust your investment portfolio to ensure it remains aligned with your retirement goal.
Children's Education and Wedding Expenses:
For short-to-medium-term goals like education and wedding expenses, consider investing in a combination of equity and debt funds, balanced funds, or targeted investment options like children's education funds.
As these expenses are nearer term (within 5-10 years), prioritize capital preservation while aiming for modest growth.
Emergency Fund:
Ensure you have an emergency fund equivalent to 6-12 months of expenses. This will provide a safety net in case of unexpected financial needs.
Regular Review:
Regularly review your financial plan, adjusting your investment allocations and contributions as needed to stay on track with your goals.
Professional Guidance:
Consider consulting with a Certified Financial Planner who can help you create a comprehensive financial plan tailored to your specific goals and circumstances. They can provide personalized advice and guidance to help you achieve your financial objectives efficiently.
Remember, consistency and discipline in your investment approach, along with periodic reassessment of your goals and financial situation, will be key to achieving financial success. With prudent planning and diligent execution, you can work towards building a secure future for yourself and your family.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by Anand - Dec 13, 2023Hindi

Money

Hi sir I am investing through SIP of Rs.2000 each in the following mutual funds : 1. Mirae asset large cap fund 2. Invesco India contra fund 3. Kotak India EQ contra fund 4. Canara robecco bluechip equity fund 5. SBI banking & financial services fund 6. Axis midcap fund 7. ICICI prudential US bluechip equity fund - Rs. 3000/- Kindly advise whether my investment choices are good enough to create a corpus in the long term or do I need to change any of the fund.?

Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.

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Ramalingam Kalirajan |989 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Question by DHARMENDRA - Dec 13, 2023Hindi

Money

I have 40 lakh for life. No job no business but 40 lakh INR. What should I do with it if my monthly expenses are 15k.

Ans: With 40 lakhs and monthly expenses of 15k, you have a considerable sum to work with for your future financial security. Here's a suggested plan:

Emergency Fund: Allocate a portion of your funds, say around 6-12 months' worth of expenses (90k to 1.8 lakhs), into an emergency fund. This will serve as a safety net for unexpected expenses or emergencies.
Investment for Regular Income: Consider investing a portion of your funds in fixed income instruments like fixed deposits (FDs), debt mutual funds, or government schemes like Senior Citizen Saving Scheme (SCSS) or Post Office Monthly Income Scheme (POMIS). These can provide you with regular income to cover your monthly expenses.
Investment for Growth: Allocate the remaining amount into investment options that offer growth potential over the long term. You can consider diversified equity mutual funds, index funds, or a mix of equity and debt funds based on your risk tolerance and investment horizon.
Budgeting and Financial Planning: Create a budget to track your expenses and ensure you're living within your means. Consider consulting with a financial planner to create a comprehensive financial plan tailored to your goals and risk profile.
Health Insurance: Invest in a comprehensive health insurance plan to cover medical expenses and protect your savings from unexpected healthcare costs.
Continuous Learning and Skill Development: Since you're not employed or running a business, consider investing in yourself through continuous learning and skill development. This can enhance your employability or open up opportunities for freelance work or entrepreneurship in the future.
Remember, investing is a personal journey, and it's essential to align your investment decisions with your financial goals, risk tolerance, and time horizon. Regularly review and adjust your financial plan as needed to stay on track towards achieving your objectives.

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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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