Hello Doctor. My name is Anil and I am based out in Delhi NCR. A few years back, I visited a hospital and just out of curiosity, got my blood pressure checked and the upper one was around 150. Doctor advised me to take precautions. A few days back, I again visited a hospital with my wife and this time as well, got my blood pressure checked and this time it came around 190. Can you please advise how serious it is. and if it can be cured by changing lifestyle etc. or a proper medication is required. I sometime feels dizziness, sleepiness and feverish.

Ans: Hello;

Please provide the following details so as to help you better:

When was NSC investment done?
When was KVP investment done?
Term of loan and extent of principal repaid till now.
Any EPF/EPS and/or NPS corpus?
Any ongoing SIP in mutual funds?

Thanks;

Ans: It's great that you already have a term plan of Rs 75 lakh, but getting health insurance should be a top priority now. Here's why:

Health Insurance Coverage: Medical expenses can be high, and without health insurance, you may have to dip into your savings to cover unexpected medical costs. Health insurance safeguards your family's financial stability against medical emergencies.

Affordability: The cost of health insurance increases with age. Buying it earlier ensures lower premiums and wider coverage options.

Term Plan Enhancement: While your Rs 75 lakh term plan provides a safety net for your family, enhancing it can be considered later. The priority should be to ensure you're protected against health-related risks first, as they are more immediate and recurring.

So, start by getting comprehensive health insurance for yourself and your family. Once that's in place, you can review your term plan and consider enhancing it based on your future financial goals and liabilities.

Ans: Hello;

My suggestion is instead of taking more home loan you should utilize your corpus for home finance requirement so as to reduce total EMI.

A monthly SIP of 2 L will yield you a corpus of 8.16 Cr in 13 years time frame.(A modest return of 13% is from pure equity funds is assumed).

If you are keen to achieve your target in 10 years then the current monthly SIP needs to be topped up by 13% minimum each year to reach 8 Cr in 10 years.

I am assuming you utilise the existing 1 Cr corpus towards loan prepayment/reduction hence target calculation done for 8 Cr instead of 7 Cr.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Hello;

My suggestion is instead of taking more home loan you should utilize your corpus for home finance requirement so as to reduce total EMI.

A monthly SIP of 2 L will yield you a corpus of 8.16 Cr in 13 years time frame.(A modest return of 13% is from pure equity funds is assumed).

If you are keen to achieve your target in 10 years then the current monthly SIP needs to be topped up by 13% minimum each year to reach 8 Cr in 10 years.

I am assuming you utilise the existing 1 Cr corpus towards loan prepayment/reduction hence target calculation done for 8 Cr instead of 7 Cr.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: The combination of an M.Sc. in Economics and a B.E. in Mechanical Engineering from BITS Pilani Hyderabad provides flexibility and a competitive edge in various fields, including engineering, economics, finance, consulting, and technology. Additionally, this background makes you an attractive candidate for higher studies in both technical and management fields, allowing you to explore a wide array of career opportunities.

Ans: Question1: Advantages of the Integrated M.Sc. (other than Internship and Placements)
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Question 2: Pursuing Higher Studies with an Integrated M.Sc.
An Integrated M.Sc. is generally well-accepted by foreign universities for higher studies.
Overall, if you are leaning towards scientific research, academia, or even roles in scientific consulting or technology development, the Integrated M.Sc. offers strong preparation. If you have a clear focus on engineering fields like IT, Electrical, or Mechanical, and are interested in industry jobs right after graduation, the B.E. might be more suitable. Both paths can lead to higher studies abroad, but the Integrated M.Sc. might be more streamlined for Ph.D. programs and research-oriented careers.

Ans: If he is interested in CSE then it is a correct decision. If you are clear with the course you want to pursue then it makes sense to pursue that course.

Ans: Check which course you are interested in. Check the exam they take GRE or GMAT. Write the exam and fill the application form for the course. Different courses have different requirements regarding eligibility and entrance test.

Ans: This could be Gatroesohageal reflux disease
Please rule out any underlying cardiac issues