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Komal

Komal Jethmalani  |336 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Aug 05, 2024

Komal Jethmalani is a practising dietician and nutritionist with over 26 years of experience.
She specialises in weight loss and diabetes management.
Jethmalani has completed her MSc in food and nutrition from SNDT University and trained at Jaslok Hospital.
She is a NDEP-certified diabetes educator.... more
sathish Question by sathish on Jul 26, 2024Hindi
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Hi, My haemoglobin a1c is 9.3.my blood glucose fasting is 180, post prandial 340. What kind of foods I need to avoid and I am vegetarian. 41yr at 95kg.pls advise Sathish

Ans: Prioritize dietary changes to help manage your diabetes. Avoid refined carbohydrates like white bread, white rice, and pasta.
Refrain from sugary cereals and baked goods, sweets, candies, and desserts. and beverages. Processed Foods like chips, and fast and fried foods should be strictly avoided. High-fat dairy products like full-fat milk, cheese, and yogurt should be refrained. Include high-fiber foods like leafy greens, broccoli, cauliflower, and bell peppers and fruits like berries, apples (with skin), and pears. Whole grains like oats, quinoa, barley, and brown rice contain complex carbs which will not spike blood sugar levels. Protein-rich foods like beans, lentils, and chickpeas, low -fat dairy products and nuts and seeds are excellent low glycemic index foods. Keep track of your blood sugar levels.
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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Financial Planner - Answered on Sep 08, 2024

Asked by Anonymous - Sep 05, 2024Hindi
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I am investing monthly around Rs 18,000 in MFs, as per the following: Canara Robeco Small capMF - Rs 4.5k, PGIM Mid Cap Opportunities - Rs 4.5k, Tata Digital - Rs 4.5k, Quant Active - Rs 4.5k. I am intending to increase monthly investment in MF from present Rs 18k to Rs 40k & needed a corpus of at least 1 cr in next 10 years. Can you check suggest if my portfolio needs any changes or the same appears to be in order?
Ans: To reach a corpus of Rs 1 crore in 10 years, you will need to invest in funds that generate around 10-12 per cent annual returns. Your current portfolio is diversified across small-cap, mid-cap, digital, and active funds, which can work well but also carries some volatility, especially in sectoral and small-cap/mid-cap funds.

Portfolio Review:

• Canara Robeco Small Cap Fund: Good for aggressive growth but highly volatile. Keep it if you're comfortable with higher risk.
• PGIM Mid Cap Opportunities Fund: Another growth-oriented fund with decent potential. It's good to have some exposure to mid-caps.
• Tata Digital Fund: Sectoral funds are risky because they are dependent on the sector's performance. Digital/technology funds can be volatile; consider reducing exposure here.
• Quant Active Fund: A multi-cap approach with flexibility across market caps. This fund provides balance and is good for diversification.

Suggestions:

• Increase Allocation to Large Cap/Index Funds: You may want to balance your portfolio with a large-cap or index fund like UTI Nifty 50 or Mirae Asset Large Cap Fund. Large-cap funds provide stability and reduce overall portfolio volatility.
• Reduce Sector-Specific Exposure: Consider trimming your allocation to Tata Digital Fund, as sectoral funds can face prolonged underperformance during sector downturns. You can reallocate this to a more diversified fund.
• Balanced Fund: Add a balanced or hybrid fund like HDFC Balanced Advantage Fund or ICICI Prudential Balanced Advantage Fund for better risk management while maintaining growth potential.
• Debt Component: To hedge against equity risk, consider adding a small portion to a short-term debt fund or gilt fund, which can provide stability during volatile periods.

Suggested Structure After Increase:

• Canara Robeco Small Cap Fund: Rs 6,000
• PGIM Mid Cap Opportunities Fund: Rs 6,000
• Quant Active Fund: Rs 6,000
• Mirae Asset Large Cap Fund: Rs 6,000
• HDFC Balanced Advantage Fund: Rs 6,000
• ICICI Prudential Multi Asset Fund: Rs 5,000
• UTI Nifty 50 Index Fund: Rs 5,000

This adjusted allocation will maintain growth potential while providing a cushion against volatility.

...Read more

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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