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Dr Archana Bajaj | Answer |Ask -Follow

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

Question by Amaan on Mar 17, 2023Hindi

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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Dr Archana Bajaj | Answer |Ask -Follow

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

Question by Naz - Mar 02, 2023Hindi

Health

I am 38 yrs old and spouse is 43 yrs. We are living at company quarter with our 8 yrs daughter and she is not bad at study. In last september, I had a miscarrage after 7 months of pregency due to urine infection. My dilema is that can I go for an another pregency considering 1) late pregnancy at 38 or 39. 2) Remaining service life of husband is 17 yrs 3) Nuclear family i.e. no extra family member who can stay here in company quarter and old age to help us . 4) It is difficult to get a loyal housemaid. 5) fear of hampring daughter's education. 6) extra budget

Ans: "I think the compelling reason to have a second child should be to complete your family and provide a sibling for your existing child. At age 38, it is important to be under supervision and undergo appropriate genetic investigations to determine the possibility of abnormalities in the baby. Once these investigations are complete and everything is normal, you can proceed with the pregnancy.

Your reasons for having a baby, such as not being able to find a good maid, fear of tampering, or your daughter's education, don't seem very logical. Instead, it is important to economize your funds and channel them appropriately to be able to generate resources for both your children."

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Dr Hemalata Arora |171 Answers |Ask -Follow

General Physician - Answered on Jul 05, 2023

Question by Hemant - Apr 06, 2023Hindi

Health

Hi i m 41 yers old and my wife is 40 .we have one child. We planned next kid one year back but after 7 month my wife got some complications and after doctors advise we abort that ..now i want another chance but my wife not ready ..she is always wory about age. Can we plan or not or it will any difficulty in delivery. Please guide us. Thanks.

Ans: Hello. It is true that with increased maternal age chances of birth defects in the child are higher, however, we now have very good methods of checking for these defects early on and taking preventive action one way or another. If both of you are desirous of another child, I would say it is quite safe to try in the next 2-3 years also. All the best!

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Dr Hemalata Arora |171 Answers |Ask -Follow

General Physician - Answered on Aug 20, 2023

Asked by Anonymous - Aug 09, 2023Hindi

Health

Me and my wife, we are planning family for last 8 months. But wife is not getting pregnant. Shall we seek doctors advice? I am 32 and my wife is 30. We got married in Dec 2020. Please suggest.

Ans: 8 months is not a very long time and most likely you will conceive naturally. However, it is a good idea to see a fertility specialist or a OBGYN once and get evaluated to ensure you are not missing anything which will need attention later. There is no need to jump to fertility procedures but being aware that everything is normal would be very reassuring and encourage you try naturally in a more stress free way. All the best!

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Kanchan Rai |172 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 04, 2023

Question by Saroj - Dec 02, 2023Hindi

Relationship

Hi mam, I had discussed all this with my wife. She told me that she knows there problem. Brother in law wife already discussed all this with my wife briefly. I mean she knows it's before but not shared with me at all not a hint. And also taking help from me .my wife suggest her that she will approach to me . So I am in shock all this thing is running behind on with me. Even my wife did not even disagree with them. I mean she is agree with the intimacy of me with her for a baby. Now I am more confused. Whom to trust. What I will do.

Ans: Try to share your concern with your wife that how her behaviour ( knowing everything since beginning and not sharing with you) has effected you and your trust in the relation try to be more understanding rather then putting allegations on her and then explain her how this decision can impact life of you both including your child try to convenience your wife to talk to your brother in law and his wife about considering other options like surrogacy or adoption for harmony in the family. try talking to her on terms i mentioned above

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 20, 2023Hindi

Money

Hello Sir, I'm 40 yrs old have been investing 5K in each fund since 2 yrs now and below is the portfolio. Request to know if I need to continue with these funds and if yes, should I increase my SIP amount. Axis small Cap kotak Emerg Equity Mirae Asset Large and Midcap PGIM India Midcap SBI Small Cap

Ans: Your diversified portfolio showcases a mix of small-cap, mid-cap, and large & mid-cap funds, offering potential for growth across market segments. However, it's essential to review your portfolio periodically and ensure it aligns with your financial goals and risk tolerance.

Consider factors like the fund's performance relative to its benchmark and peers, consistency of fund management, and changes in your financial situation. If these funds continue to meet your investment objectives and demonstrate strong performance, you may consider continuing with them.

As for increasing your SIP amount, evaluate your capacity to invest more based on your income, expenses, and other financial commitments. If you have surplus funds available for investment, increasing your SIP amounts can accelerate wealth accumulation over time. However, ensure you maintain a balance and don't overextend your finances.

Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances. Together, you can assess your investment strategy and make informed decisions to achieve your financial goals.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 21, 2023Hindi

Money

Hi, I am looking for good mutual fund scheme which will help me accumulate funds for my kids post graduation. He is 14yr old so I would need this sum by 8th yr. Can u pls suggest good schemes and amount required to achieve this goal.

Ans: Considering an 8-year investment horizon for your child's post-graduation, you can explore equity mutual funds for potential growth. To estimate the required amount, determine the expected cost of your child's post-graduation education and factor in inflation.

For aggressive growth potential, consider allocating a significant portion to diversified equity funds, preferably large-cap or multi-cap funds for stability. Additionally, you might allocate a smaller portion to balanced funds or hybrid funds to manage risk.

It's crucial to select funds with a proven track record, experienced fund managers, and consistent performance. Regularly review and adjust your investment strategy to ensure it remains aligned with your financial goals and risk tolerance.

Consulting with a Certified Financial Planner can provide personalized guidance and help you determine the appropriate investment amount based on your specific needs and circumstances. Together, you can create a tailored investment plan to secure your child's future education.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Joydeep - Dec 22, 2023Hindi

Money

Good morning, l don't have any investment and i am 40. I can save 20k every month and l required 1 cr after 10 or 12 years. Kindly suggest where to invest so that I can 1 cr after 10 or 12 years.

Ans: Saving Rs. 20,000 monthly is a great start towards your financial goals. To reach 1 crore in 10-12 years, consider investing in a mix of equity and debt instruments. Allocate a significant portion, say around 70-80%, to equity mutual funds for long-term growth potential. Choose diversified funds like large-cap, multi-cap, or balanced funds for stability and growth. For the remaining portion, allocate to debt instruments like debt mutual funds or fixed deposits to provide stability and manage risk.

Regularly review and adjust your investment portfolio to ensure it remains aligned with your goals and risk tolerance. Additionally, consider factors like inflation and taxes when planning your investments. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Remember, disciplined saving and prudent investing can help you achieve your goal of 1 crore in 10-12 years.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Shivaji - Dec 22, 2023Hindi

Money

Edelweiss Small Cap Fund can i invest for 5 to 10 years?

Ans: Investing in Edelweiss Small Cap Fund for 5 to 10 years can be considered, but it's essential to understand the associated risks and conduct thorough research before making a decision. Small-cap funds like Edelweiss Small Cap Fund typically offer high growth potential but come with increased volatility and risk. Ensure the investment aligns with your risk tolerance, investment horizon, and financial goals. Regularly review the fund's performance and monitor changes in market conditions. Additionally, consider diversifying your investment portfolio to spread risk across different asset classes. Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific needs and circumstances. Remember, investing in small-cap funds requires a long-term perspective and patience to ride out market fluctuations.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 23, 2023Hindi

Money

Hello, My 8-year-old daughter has received around Rs. 3,00,000/- as a gift from relatives, which is now in her account. I am looking to invest this amount for the next 10-12 years without any need for frequent monitoring. Please provide suggestions on this matter. Regards,

Ans: Congratulations on your daughter's generous gift! Investing this amount for her future is a wonderful idea. For a long-term investment horizon of 10-12 years with minimal monitoring, consider options like a mix of equity mutual funds or a balanced fund. These funds provide growth potential while spreading risk across different assets. Additionally, you might explore options like a Children's Mutual Fund or a Sukanya Samriddhi Yojana for specific benefits tailored to children's savings. It's essential to choose investments aligned with your risk tolerance and financial goals. Also, ensure you understand the investment vehicle's terms and conditions, including any lock-in periods or withdrawal restrictions. Regularly review the investment's performance and adjust the strategy as needed, but remember to keep the long-term perspective in mind. Consult with a Certified Financial Planner to tailor a plan that suits your daughter's future needs and aspirations.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 24, 2023Hindi

Money

quant small cap fund growth direct plan is good sip?

Ans: Investing in a small-cap fund via SIP can offer growth potential, but it's essential to consider various factors before making a decision. Small-cap funds are known for their higher growth potential, but they also come with increased volatility and risk. Are you comfortable with the potential fluctuations in value over the short term? Moreover, research the fund's track record, fund manager's expertise, and expense ratio to ensure alignment with your investment goals. Remember, investing is about finding the right balance between risk and reward. As a Certified Financial Planner, I encourage you to diversify your portfolio and consider your risk tolerance before investing in small-cap funds. It's wise to consult with a financial professional to evaluate if this fund suits your investment strategy and long-term goals. Ultimately, your investment decisions should reflect your financial aspirations and risk appetite.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 25, 2023Hindi

Money

Sir, My monthly income is around 2,00,000 per month and monthly expenditure around 45000. I'm 45 and want to achieve retirement goal in 60. How much asset allocation do you think is right for medium risk to invest in equity, debt, SGB, reit and others etc. I am thinking of starting investing in a large cap index and a flexicap. For protection of volatility, and less risk I should invest in debt mutual funds or should go for nps? Pls suggest any other option you have.

Ans: With a clear goal of retiring at 60 and a monthly surplus, your financial discipline is commendable. For medium risk, consider an asset allocation that balances growth potential with stability. Aim for around 60-70% allocation to equities (including large-cap index and flexi-cap funds), providing long-term growth potential. Allocate 20-30% to debt instruments like debt mutual funds or National Pension System (NPS) for stability and protection against market volatility. Additionally, consider Sovereign Gold Bonds (SGBs) for diversification and Real Estate Investment Trusts (REITs) for exposure to real estate without direct ownership. Regularly review and rebalance your portfolio to maintain desired allocation levels. Consult with a Certified Financial Planner to tailor a plan suited to your specific needs and risk tolerance. Remember, investing is a journey, and with prudent asset allocation, you can navigate towards a secure retirement.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Dec 25, 2023Hindi

Money

Hi, I'm 45 now and have mixed SIPs (2small cap, 3ELSS, 2 mid cap and 1flexi cap) for around 46K per month. I still have 15 years to my retirement. Need your suggestion if I should keep so many SIP running or should have only 1 per category to achieve my goal of around 2 - 3cr at my retirement only through SIPs.

Ans: At 45, your commitment to SIPs is commendable for securing your retirement. However, consolidating your SIPs can simplify management and potentially optimize returns. Consider maintaining one SIP per category to streamline tracking and rebalancing. Evaluate the performance and consistency of each fund against its peers and benchmarks. Reflect on your risk tolerance and ensure your portfolio aligns with your long-term goals. Remember, investing is about quality over quantity, and diversification remains key. As you aim for a retirement corpus of 2-3 crores, focus on disciplined investing and periodic review. Consult with a Certified Financial Planner to fine-tune your strategy for optimal results. Keep nurturing your investments with patience and perseverance, knowing that every SIP contributes to your financial security in the golden years ahead.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Ram - Dec 27, 2023Hindi

Money

Sir, I want to invest Rs. 10000 p.m. in Mutual funds for over 10 years. Can you suggest some best funds.

Ans: Investing Rs. 10,000 monthly in mutual funds for a decade is a wise step towards securing your financial future. As a Certified Financial Planner, I commend your commitment to long-term wealth creation. Consider funds across diverse categories like large-cap, multi-cap, mid-cap, or small-cap, based on your risk tolerance and financial goals. Remember, investing is like nurturing a garden - it requires patience, care, and occasional pruning. Embrace the journey, acknowledging that markets may fluctuate, but staying invested can reap rewards in the long run. Reflect on your aspirations, knowing that every rupee invested today is a seed for tomorrow's growth. And in this journey, remember to seek guidance from a Certified Financial Planner who can navigate you through the highs and lows of the investment landscape. Keep planting seeds of prosperity, and watch them bloom into a bountiful harvest over time.

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Ramalingam Kalirajan |955 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Gurpreet - Dec 27, 2023Hindi

Money

Hello Sir, I am investing 25k in kotak emerging equity fund, 2k in SBI blue chip fund, 2k in Nippon small cap fund and 1.5k in kotak flexicap fund. All are monthly SIPs. I want to remain invested for another 10 yrs atleast. Can I continue with these funds? Thanks

Ans: Your investment strategy seems diversified, which is a positive approach. However, it's essential to regularly review your investment portfolio to ensure it remains aligned with your financial goals and risk tolerance. As you aim to remain invested for another decade, consider assessing the performance of each fund periodically, typically every six months to a year. Look into factors like fund manager consistency, expense ratios, and the fund's performance compared to its benchmark and peers.

Moreover, verify if your financial goals and risk appetite are still consistent with the chosen funds. If you're satisfied with the performance and believe they can help you achieve your long-term objectives, you can continue with your current investments. However, if there are any changes in your goals or risk tolerance, or if any of the funds underperform consistently, you may need to reevaluate your investment strategy and make adjustments accordingly.

Always remember to consult with a Certified Financial Planner or investment advisor for personalized guidance tailored to your specific financial situation and goals.

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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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