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36 Year Old Woman with Low AMH Seeks Fertility Advice and Weight Management Strategies

Dr Nandita Palshetkar | Answer |Ask -Follow

Gynaecologist, IVF expert - Answered on Nov 27, 2024

Dr Nandita Palshetkar is the medical director of Bloom IVF.
She is a pioneer in ICSI, laser hatching, spindle view, oocyte and embryo freezing, IMSI, in vivo vaginal culture, metabolomics, embryoscope and spindle check technologies.
With over 30 years of experience, Dr Nandita is managing 10 centres across India.
She has written over 100 papers, edited 25 books and given over 1,000 lectures and speeches.
She has also won several prestigious awards, including the Dronacharya Award (2021), the Bharat Gaurav Award at the House of Commons in London (2014) and the Inspiring Gynaecologists of India (2018) to name a few.
Dr Nandita completed her MBBS from Grant Medical College and Sir J J Hospital, Mumbai, and her MD in obstetrics and gynaecology from Mumbai University."... more

Asked by Anonymous - Nov 15, 2024Hindi

Health

Hello Doctor, I am 36 year old and will be turning 37 in next april. I am married for last 5 years. I wanted to have kids. But last form 2 years i am not keep my health up and also because of husband hetic job schedule we are not to able plan. I undergone some test Vitamin D is 20, Thyroid is 7 .25 and AMH is 1.69. AMH test was conducted un 2023. My current weight is 69kg. I taken 2 months medicine for vitamin D . One vitamin d tablet daily and one syrup once in a week for 8 weeks. I am also taking thyroxin 50 mg daily. I have took folic acid medicine for 2 months. Doctor is said i have very less time to conceive due to less AMH level. But i have more concern that is my weight. I am not happy with my weight. I want to know first i should try to for baby or first i should loss some weight. I am in delima. Its is giving me lot of stress.

Ans: Hello noted
Since you are 36 years and gonna turn 37
Amh is 1.67
And weight 69
So, considering your age and amh being 1.67 one year back, we need to repeat your AMH. Amh is supposed to reduce with age, it means the egg forming capacity of the ovary diminishes with age.
So, you need to focus of conception. At the same time, you can do exercises and dietary changes to reduce your weight
Let both happen hand in hand
And yes, correction of vitamin D, tsh is needed
Have nutritious food, antioxidants, proteins in your diet
Have supplements which help in improving the quality of eggs.

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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Asked by Anonymous - May 22, 2024Hindi

Health

I am a 28 year old female. I am 162 cm tall. I got married last year (2023). My husband lives abroad. He visits India for 2 months or sometimes 1 month in a span of year. Since I got married, I got barely 3 months to live with my husband. In that time, we tried to conceive as my husband is very eager for having children. I had one or two acnes around my periods but after my marriage, I started getting severe acne all over my face and no where else on my body. I consulted Dermatologist for this issue. Her treatment wasn’t of any help to me. Somehow, with my mother’s home remedies like cinnamon and cumin seeds water I got rid of those stubborn acne to some extent. I still get acne on my face but in moderation, I continually consume that drink daily. My weight was around 59 kg at the time of my marriage but it has been increasing by 1kg since September 2023. Now as of today my weight is 69kg. I consulted gynaecologist for my issues with conceivement I have been diagnosed with Thyroid and hormonal imbalance. I rarely slept at night time. But I get good amount of sleep after 4 AM, I sleep all over the morning and wake up around Noontime. My Gynaecologist told me to get sleep at night time and wake up early in the morning. I have been doing that since many days now, sleeping at 12 or 1 AM and waking up at 9-9:30 AM daily. The main issue is, she told me to lose weight about 8-10 kg in order to conceive naturally. I am unable to shed my weight, provided I am taking thyroid medication daily in the morning. It’s been a month now my weight is steadily stuck at 68 kg. I waver back and forth with grams around that 68 kg, thats it. My ir-resistant body fat has become a matter of great concern for me now. No matter how much I exercise it has no effect on my body weight. What should I eat or do to lose my weight faster and easier with thyroid and insulin resistance ?

Ans: Body Constituition has a lot to do with genetic inheritance too. For your height your weight up to 62 kg is acceptable limit of your ideal weight. So shaking of 5-6 kg is very much achievable.
Main point to touch is early dinner. Have dinner by 6 pm and no more Carb, protein and fat after that time. And your dinner meal should not have any animal protein. Just by doing this and exercising through brisk walks 30mts a day five days a week will make a big change. The problem what we face these days is late night dinners, eating snacks late night. Just address that

Dr Nandita Palshetkar | Answer |Ask -Follow

Gynaecologist, IVF expert - Answered on Dec 13, 2024

Question by SHABRIN - Dec 06, 2024Hindi

Health

Hi doctor , my age is 37 , i got married at the age 32yrs almost 5yrs happened still i dont have baby, i have pcod problem for a long time im unable to lose weight which was 85kgs.. i have consulted doctors too every one do same procedure but till now i dont get regular periods.. without medicine iam unable to get my periods.. bcoz of this im getting more stress. pls suggest me wat i have to do

Ans: Hello
Since you are 37 years, married since, 5 years, primary infertility with weight gain with irregular periods and stressor
I would first advise you series of hormonal test to be done like TSH, prolactin, HBA1C, fasting insulin level, fasting and post lunch sugars, cortisol level, testosterone level, vit D and vit B12 and CBC and most importantly AMH LEVEL to know about fertility level
To do usg pelvis to rule out ovarian cyst or pcos or any other gyneac pathology.
Lifestyle modification
Daily walks, yoga, meditation, stress management or any other form of exercises which help to release endorphins, dopamine and good hormones which help to regulate the cycle
Diet: nutritious diet, green veggies, fruits, nuts, proteins, chicken, eggs (if you are non veg).
Please visit your doctor, because considering your age it's better to understand to concentrate on fertility then regularizing your cycles.

Latest Questions

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Asked by Anonymous - Oct 15, 2025Hindi

Money

Sir, I have taken a Baaj Life Allianz POS Goal surksha of annual premium of 2 lakh .I have completed 2 annual premium. Now I don't want to continue further this policy as I came to know that this policy has approx 4 % return. Initial the agent said to me you can at any time discontinue this policy and refund your full money but now he refused and saying that you only get 30 % of your paid money. Suggest some solution to this problem.

Ans: Hi,

I am sorry but this is how these policies work. Your money is locked and will not get full amount back.

Every agent make false promises in the start to earn their big commission in first month. These policies give maximum 4% yearly return.

You can ask the customer care if you will get back more % after paying 3 premiums. Generally surrendering after 3 premiums gives back almost 80% of the premium paid. But do not continue for another 8 years.

Let me know what will you get back if you pay your 3rd premium. Will guide you based on that.

In future, go for mutual funds for long term. You will easily get 14% annual return.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Mahesh - Oct 22, 2025Hindi

Money

My salary is 80k per month, how can you invest money for better future

Ans: Hi Mahesh,

Please share other details such as your age, expenses, other investments and financial goals for me to help you.
No sole guidance can be done only on your income details. But you can save the maximum that you can and invest it in mutual funds for long term.

Also make sure to have a dedicated emergency fund as well as proper healthand life insurance for yourself and family for any uncertain situations.

share your other details and I shall be able to guide you.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Udit - Oct 27, 2025Hindi

Money

how to close ppf account before time

Ans: Hi Udit,

You cannot close a PPF account before time. It has to be there for 15 years. Although you can withdraw a certain amount but there is no option for pre-closure of the account.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by abu - Oct 22, 2025Hindi

Money

I have some doubt, last year I parked 25K in FD with interest rate of 7.30% maturity amount they said I will get 27280 , but on maturity I received only 26569. Bank detected 711 as a tax almost 31% on profit. this high tax they will detect?

Ans: Hi Abu,

You must be under 30% tax bracket and hence this deduction. This interest will be taxable if you come under any tax slab as per your slab rate.
But of you don't earn anything, can claim back this tax paid in ITR filing. Or next time, prefill a form 15G/H for tax exemtion.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Sriram - Oct 22, 2025Hindi

Money

Good afternoon, pls suggest best funds to invest. Proposed sum Rs. 35,000 per month for a period of 3 years. I am 51 years old. My current investment are in land and buildings with limited exposure to share and mutual funds.

Ans: Hi Sriram,

Good for you to consider diversifying your invvestments at the age of 51.
If you want to invest for 3 years, can choose a mix of debt and balanced funds to invest per month. This wil come with less risk and better returns than other investment options.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Raghavendra - Oct 23, 2025Hindi

Money

I have made investments in 10 year ULIP which is maturing shortly. I have been showing the income as capital gain as per the statement submitted by UTI for the last few years. Now upon maturity of this ULIP am I liable to pay Tax .

Ans: Hi Raghavendra,

Please share the exact ULIP and premiums paid. As tax paid depends on the premium and sum assured as well. Usually ULIPS have a lot of hidden fees which brings your returns down. In future, refrain from buying any policy such as your current one and directly go for mutual funds for any long term investment.
Share details of your policy for me to guide you better.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Satyaballav - Oct 14, 2025Hindi

Money

Dear Sir, can you suggest good MFs for SIP or one time investment for a period of 3 to 4 years for a better return considering the current market scenario. After seeing your answer for SBI Life Smart Privilege Plus I am not investing there.

Ans: Hi Satyaballav,

Any policy should not be considered for investment. You already must have gotten clarity about SBI Life Smart Privilege Plus plan.
If you want to do any SIP or lumpsum, you can consider a mix of debt and balacned funds for a time horizon of 3 to 4 years. Again, it depends on the goal for which you want to invest.
You can reply to this answer and I will guide you with exact plan for your investment.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Mani - Oct 27, 2025Hindi

Money

I am 31, teetotaler, with no bad habits, bachelor, leading celibacy, no chronical ailment, minimalist, investing in various schemes of mutual from the age of 18, now my investment is Rs. 50 lacs, with SIP of Rs. 15K every month in equity funds, and 40 lacs medical insurance 1.5Cr term insurance. Insurance premia are taken care by dividend from equity shares. My average annual expenses at present is Rs.5 lacs. Please guide me at what age should I give up the job and submit my resignation from MNC job, and retire, where I have no dependants nor depending on any one. Please guide me and advise.

Ans: Hi Mani,

You are one of the rare example of someone who is a long term investor and have build quite a good corpus through all these years.
Let us have a look at what can be done:
1. Insurance - you are well covered. Even premiums are being taken care of using dividends.
2. Emergency fund - build a dedicsted fund of minimu 10 lakhs in liquid funds for any emergency situation.
3. Mutual funds - a SIP of 15k has built you a corpus of 50 lakhs in 13 years which is great. You should also focus on increasing your investments to the maximum capacity whenever possible.
4. You are a bachelor and want to retire. But you also have to plan if ou want to get married. Getting married will change the entire plan. You will need funds to get marry, start family, kid's education and marriage. All these things should also be considered before making any decision.
5. Your current expenses of 5lakhs will double easily on getting married, so your resignation and retirement depends on this plan as well.

Hence my suggestion would be to focus on increasing income for now and you are too young to consider leaving your job. Plan your future goals and then take this decision collectively.

Also as your MF portfolio crosses 50 lakhs, would suggest you to consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Sanjay - Oct 25, 2025Hindi

Money

Hello Sir, Is Gullak app a good option for investing in Gold? I have taken SIP of Gold ETFs and investing around 5.5k monthly. Now want to raise my investments in gold. Is it good to invest thru Gullak?

Ans: Hi Sanjay,

I understand that many apps such as Gullak is quite famous amongst everyone fro quick gold investments. Apps like these provide a quick and effortless investment solution to everyone who wants to go to digital gold.
But I do not recommend this. these apps comes with hidden charges in the form of 3% gst when you buy and some deductions as well when you will sell. Overall not much beneficial if you want to invest in Gold.
Gold etf, by far, is the best way tto invest in digital gold as its appreciation is wrt to the gold price in actual. It doesn't have any hidden or extra cost. Go for it without thinking again. Monthly SIP in gold etf is the best way to take the benefit of market volatility.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Asked by Anonymous - Oct 18, 2025Hindi

Money

Hello. I'm 41yr old woman have 2 kids age 13 and 7. I own 3bhk duplex house in Bangalore. My monthly income comes upto 60k per month. I have invested 45lakhs in bhive workspace company and getting returns of 64k per month. I have also invested in 5 autos tie-up with rapid and earning 75k returns on tht. I have invested 12 lakhs in motilal Oswal midcap elss fund. Now I'm getting 1cr from my parents property share. Where should I invest for good returns and safe investment for future wealth? And I also love traveling so need to save some money for future for my health and my desire to fulfill. Plz guide me wisely.

Ans: Hi,

You have done great investments with some companies and aree earning out of it. This is the best form of diversification.
I understand, you have your house, monthly income from salary and your investments.
To further diversify the 1 crore that you are getting, can consider investing in a mix of equity oriented and balanced mutual funds. Your current investment in the Oswal midcap ELSS doesn't seem good. Even this can be shifted to a much better fund suited to your requirements wrt your risk appetite.

You can work with a professional advisor who will guide you with exact fund names to invest your 1 crore and also redirect 12 lakhs from elss fund to another fund.

Your goal of travelling can be done using a portion of 15% from 1 crore that you will get. This amount will be invested in debt and small cap funds and you can do a sWP from this amount to fulfil your travel goal.

Regarding health, first make sure to have a dedicated health insurance for yourself and family with a cover of minimum 25 lakhs. And have an emergency fund of around 10-15 lakhs. This would be sufficient to take care of this.

Lastly, refrain from doing investments based on any random tips in mutual funds as any wrong fund selection can hamper the growth of your portfolio.
Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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