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Dentist - Answered on Feb 28, 2024

Dr Shyam Jamalabad holds a bachelor’s degree in dental surgery from Government Dental College and Hospital, St George Hospital, Mumbai. He has been practising independently at his clinic in Mumbai since 1983.His patients range from celebrities to slum dwellers.... more
Mehul Question by Mehul on Oct 04, 2023Hindi
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Hello Dr. I am writing to seek your professional guidance regarding my oral health, as I have been facing persistent issues with my teeth, particularly my molars. These problems have arisen due to unhealthy childhood habits, and I am eager to find a permanent solution to address them. To provide you with some background, I have previously undergone root canal treatment (RCT) for six of my molars, 02 removed, approximately 12 years ago. However, it seems that my dental issues have persisted, and I am concerned about their long-term impact on my oral health. Given my current age of 38, I am motivated to take proactive steps to ensure the best possible care for my teeth. I kindly request your professional advice on the following: Is there a permanent solution available to address the ongoing issues with my molars? What preventive measures can I take to maintain the health of my remaining teeth? Are there any specific dental treatments or procedures that you recommend in my case? How often should I schedule dental check-ups to monitor and manage my oral health effectively? I understand the importance of seeking expert guidance, and I trust your expertise to provide me with the best possible recommendations to improve and maintain my oral health. Thank you in advance for your time and assistance.

Ans: First of all, it's important to realise that no solution or treatment can be guaranteed to last a lifetime. At best you can hope for and seek long-term solutions. Even so, your oral health and hygiene will have to be reviewed periodically and corrective action taken as and when necessary.
To prevent further decay and to preserve your restored teeth in good health you need to brush/floss well at least twice a day. Preferably after every meal. And you need to see your dentist every 6 months.
Please consult your dentist who can evaluate the condition of your teeth and gums and then suggest the best possible treatment for you
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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Mutual Funds, Financial Planning Expert - Answered on Feb 13, 2025

Asked by Anonymous - Feb 13, 2025Hindi
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Why do Debt Funds offer lower returns as compared to Equity Mutual Funds?
Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

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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