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Persistent heel pain after 8 months: Where to turn for help?

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |142 Answers  |Ask -

Physiotherapist - Answered on Aug 14, 2024

Dr Shakeeb Ahmed Khan is a senior consultant physiotherapist with over 12 years of experience specialising in orthopaedic and paediatric physiotherapy.
He has served as a technical consultant for the World Health Organisation, the United Nations, the Tata Institute of Social Sciences and several national and international NGOs.
Besides physiotherapy, he is keenly interested in disability management, early intervention, geriatric care and assisting children with disabilities.
Dr Khan has a bachelor's degree in physiotherapy from the Ravi Nair Physiotherapy College in Wardha, Maharashtra, a master's degree in disability rehabilitation administration from the National Institute for the Mentally Handicapped, Secunderabad, and a PhD in disability management from Bangalore University.... more
Avinash Question by Avinash on Jul 03, 2024Hindi
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I am having pain in the heel (near to the region where the skin ends (brown) and (white) heel pad starts. I get pain after walking and is discomforting. I showed to doctor (GP) and did ultrasound, everything is fine. GP told could be sprain from long walks but the pain is there for last 8 months. GP gave muscle relaxants but its not helping. Please advise what could be the problem and which medical specialist can help me?

Ans: Hello Avinash, the heel pain you’re experiencing might be due to plantar fasciitis, Achilles tendonitis, or heel pad syndrome. It’s recommended that you consult a physiotherapist for a thorough evaluation, Physiotherapist may use ultrasound and TENS for pain relief, along with providing stretching and strengthening exercises. Wishing you a speedy recovery.
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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I'd like to withdraw around 5% of my portfolio in mutual funds for an expense. As a long-term investor who started investing in 2015 and continues with SIPs, is it advisable to withdraw this amount during the current downturn?"
Ans: Withdrawing 5% from your mutual fund portfolio requires careful assessment.

Timing the market can be difficult, even for experienced investors.

You have been investing since 2015, which shows commitment.

SIPs ensure rupee-cost averaging, benefiting from market volatility.

The current downturn may not be the best time to withdraw.

Impact of Market Downturn on Withdrawal
Equity funds fluctuate based on market trends.

During a downturn, selling means locking in lower values.

If the market recovers, you might miss potential gains.

A partial withdrawal affects long-term compounding.

Assess if the withdrawal can be delayed.

Alternative Ways to Meet Expenses
Use surplus cash, if available, to avoid redeeming investments.

Consider liquid funds for short-term needs.

If you have dividends from funds, use them instead of withdrawing capital.

Emergency funds or savings accounts can be better options.

Selecting the Right Fund for Redemption
Avoid selling funds that are currently underperforming.

Look at funds that have met targets or are overweight in your portfolio.

If you hold sectoral or thematic funds, check their performance outlook.

Prioritize redeeming funds with minimal tax impact.

Tax Implications of Selling Mutual Funds
Long-term equity gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term equity gains are taxed at 20%.

Debt mutual funds are taxed as per your income slab.

Consider splitting the withdrawal to reduce tax liability.

Maintaining Your Long-Term Goals
Withdrawing 5% is manageable but can delay wealth accumulation.

Ensure SIPs continue without disruption.

Reinvest when possible to recover lost growth.

Avoid frequent withdrawals to maintain portfolio stability.

Finally
Selling during a downturn is not ideal unless unavoidable.

Explore alternatives before redeeming mutual funds.

Choose the least disruptive fund to sell if necessary.

Keep your long-term financial goals in focus.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam Kalirajan  |8123 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Mar 21, 2025Hindi
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Dear Sir Namaskaram. Myself: Male 53 yrs B.P. since 2017 Andhra Brahmin Farmer's family Wife: 43 yrs. Suffering GERD since 2013 Daughter : 12 yrs. Mother: 70 yrs B.P. since 2020 Syster: 51 yrs Unmarried. Suffering with Depression & Schizophrenia for the past 30 years.Diabetic & B.P. for the past10 years Can you please suggest Health insurance policy/ policies as no health insurance coverage of any type as of now. Thank you very much sir
Ans: Getting health insurance for your family is very important. Since you have pre-existing conditions (BP, GERD, diabetes, schizophrenia), some insurers may have waiting periods or exclusions. But you can still get coverage with the right approach.

 

Key Factors to Consider
Pre-existing Diseases (PEDs): Most insurers have a waiting period of 2-4 years for existing illnesses. Some plans may offer waivers with extra cost.

Mental Illness Coverage: Schizophrenia and depression must be covered under IRDAI guidelines, but insurers may still have conditions.

Family Coverage: Choose individual or floater policies based on needs.

Senior Citizen Coverage: Your mother may need a separate senior citizen plan due to age and BP history.

Cashless Hospital Network: Ensure the policy covers hospitals near you.

 

Best Approach for Your Family
1. Individual Health Policies for Each Family Member
Since your sister has serious pre-existing conditions, a separate policy for her is better.

Your mother should get a senior citizen plan with day-care and domiciliary coverage.

You, your wife, and daughter can take a family floater policy.

 

2. Super Top-up Plans for Extra Coverage
Base policies may not be enough for major treatments.

A super top-up plan can give extra coverage at a lower cost.

This helps in reducing premium costs while increasing coverage.

 

3. Critical Illness Rider
You should consider a critical illness policy.

Covers major diseases like heart attack, stroke, and kidney failure.

Provides lump sum payout in case of critical illness diagnosis.

 

How to Get Insurance for Your Sister?
Mental illness coverage is now mandatory, but many insurers still hesitate.

Some insurers may exclude pre-existing mental conditions.

If regular insurance denies coverage, look for state-sponsored health schemes.

 

Final Steps
Check waiting periods for pre-existing conditions.

Get cashless policies for easier hospitalisation.

Choose a Certified Financial Planner (CFP) or health insurance expert for the right selection.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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Ramalingam Kalirajan  |8123 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

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Hello sir, I have recently sold my flat and I have 55 lacs with me which I can park for next 12-15 years. Please suggest the avenues where I can get maximum wealth creation. I am 42 and and you can consider me moderate to aggressive investor. How much can be the realistic returns from PMS considering they charge high fees. Does PMS give more returns than MFs in 10 year horizon. Please suggest.
Ans: You have Rs. 55L available for long-term investment. Your focus is wealth creation with a moderate to aggressive approach. Let’s evaluate the best options.

Investment Avenues for Maximum Wealth Creation
1. Actively Managed Mutual Funds
Suitable for your risk appetite and time horizon.
Managed by experts who adjust portfolios based on market conditions.
Potential to outperform passive funds and PMS on a risk-adjusted basis.
Lower fees than PMS, ensuring better net returns.
Recommended approach: SIP + staggered lump sum deployment.
2. Portfolio Management Services (PMS)
Designed for high-net-worth individuals.
PMS offers customized stock selection with direct equity ownership.
Higher fees (fixed + performance-based) impact net returns.
Returns may be volatile, with no guarantee of outperformance over mutual funds.
Requires a longer commitment with limited liquidity.
3. Thematic and Sectoral Investments
Can boost returns but require careful selection.
Higher volatility compared to diversified funds.
Suitable for a portion of the portfolio (not more than 10-15%).
4. Gold ETFs or Sovereign Gold Bonds (SGBs)
Good for diversification but not ideal for aggressive growth.
SGBs provide 2.5% annual interest along with capital appreciation.
Should not exceed 5-10% of the portfolio.
5. International Equity Exposure
Helps in diversification and hedging against rupee depreciation.
Invest via actively managed international mutual funds.
Avoid direct stocks unless you track global markets actively.
Mutual Funds vs. PMS: A 10-Year Perspective
Returns Comparison
PMS may deliver superior returns if the fund manager picks outperforming stocks.
Actively managed mutual funds historically deliver 12-16% CAGR over 10-15 years.
PMS fees reduce effective returns, making them less attractive unless they significantly outperform.
Risk and Liquidity
Mutual funds provide easy liquidity.
PMS has lock-in periods and exit loads, making it less flexible.
Market risks exist in both, but mutual funds have regulatory oversight.
Tax Implications and Cost Analysis
Mutual funds have lower tax burdens with systematic withdrawals.
PMS taxation is like direct stocks, requiring individual filing for capital gains.
PMS charges (fixed + performance-based) can eat into returns.
Optimized Investment Strategy
Deploy Rs. 55L in a staggered manner over 12-18 months.
Allocate across large-cap, mid-cap, small-cap, and thematic funds.
Consider a 10-15% PMS allocation only if comfortable with higher risk.
Use SWP after 12-15 years for tax-efficient withdrawals.
Final Insights
Mutual funds remain the best option for wealth creation with flexibility.
PMS can work if you accept higher costs and volatility.
Diversify with a structured approach for long-term success.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...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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