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Dr Archana

Dr Archana Bajaj  | Answer  |Ask -

Gynaecologist, Obstetrician, IVF Expert - Answered on Apr 05, 2023

Dr Archana Dhawan Bajaj is an infertility specialist with over two decades of experience in IVF and reproductive medicine.
She founded The Nurture IVF Clinic in New Delhi in 2003.
Dr Bajaj has completed her MBBS from Maulana Azad Medical College and has a diploma in gynaecology and obstetrics and DNB (obstetrics and gynaecology) from the Sir Ganga Ram Hospital.
She has an MMSc degree in assisted reproductive technology from the University of Nottingham, UK.... more
Amaan Question by Amaan on Mar 17, 2023Hindi
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Hello sir , I got married just before COVID in 2020. Because of COVID I didn't planned baby. In 2021 I started to plan a baby and after few months ( 8 months) in 2022 August my wife get's pregnant. We were very happy but after 8 weeks miscarriage happened and we both were totally disturbed for few months. Now we again started to plan a baby, My mind is always in stress that for first time it took 8 months and now it's already 3 months. Shall I go to doc for semen Analysis or shall I wait. I am 38 and my wife is 33. We both are fit and don't have any disease or any other medical issues. Please help me.

Ans: "It is fairly common to have a miscarriage in the first pregnancy, so that shouldn't be a cause for concern. It's not necessary to assume that if you've had one miscarriage, you will have problems in the second pregnancy as well. However, considering your wife's age, it is always a good idea to seek the supervision and advice of a good gynecologist who can monitor the current pregnancy and ensure that it progresses smoothly. Additionally, it is appropriate to start folic acid supplementation and aspirin prior to conception to reduce the incidence of miscarriage. If you haven't had a chance to evaluate possible reasons for the miscarriage, it might be a good idea to see your gynecologist who can determine if there are any underlying issues and correct them before you plan your next pregnancy."
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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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....
Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest

...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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