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Komal

Komal Jethmalani  |382 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Dec 02, 2022

Komal Jethmalani is a practising dietician and nutritionist with over 26 years of experience.
She specialises in weight loss and diabetes management.
Jethmalani has completed her MSc in food and nutrition from SNDT University and trained at Jaslok Hospital.
She is a NDEP-certified diabetes educator.... more
Anonymous Question by Anonymous on Dec 02, 2022Hindi
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Hi Komal.
My youngest daughter, who is six years old, is susceptible to weather change sickness.
The doctor said it's normal as her immunity is still growing but I am quite worried.
What should I do to boost her immunity?
Also, she now detests khichdi and soups that I feed her when ill. How do I make sure she is well fed without burdening the system?

Ans:

Children around six years of age need a healthy diet consisting of fruits and vegetables, whole grain cereals, protein-rich foods like eggs, lean meat, pulses and legumes, dairy products, nuts, etc, and good quality fats to increase their immunity.

If your daughter does not like certain foods when sick, use these foods in different combinations. For example, make vegetable pulao with dal or paneer or soya which makes for a wholesome meal.

If she does not like soups, you can serve her other hot liquids like hot milk with turmeric and a pinch of pepper. You could also give her fruit/oats/nuts/dates smoothies.

Make vegetable/fruit preparations with colourful combinations and different shapes like a veg quiche or a wrap.

Fruit juices with mint, ginger or other flavourings will add healthy nutrients to her diet.

Berries with chia seeds or green vegetable juices will add valuable antioxidants and healthy fats.

Make sure she remains well hydrated.

Provide small and frequent meals and try and make sure she gets ample rest.

  • Looking out for interesting recipes? Click here.

 

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 - Mar 06, 2025Hindi
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Can I retire at age of 50 years? My savings are cash in Bank around Rs 2 Cr with nominal FD returns, Have Physical Gold about 3 Kg (Purchase price 1.8 Cr), Have Ornament Gold about 2.3 Kg (Purchase price 1.2 Cr), Have Unlisted NSE stock worth 1 Cr, Have Pre IPO Opportunities Fund worth Rs 80 Lakhs, Have two apartments worth 3 Cr and 1.5 Cr with combined rental of Rs 1Lakh per month, Have residential plot worth 1.5 Cr, Have one house abroad worth 6 Cr and rental 2 Lakhs per month, Have cash in Offshore Bank in dollars i.e. worth Rs 12 Cr with nominal FD returns, Have Insurance schemes worth Rs 20 Lakhs and Lastly have a house worth Rs 18 Cr in which we currently reside. Our Expenses : We have no Loans/Debts, Our Average Monthly Expenses are Rs 8 Lakhs, Health Insurance Rs 1.5 Lakhs per annum, Total College Education abroad for 2 kids for next 6 years estimated to be Rs 6 CR on an average 1CR per year, Old Aged Parents Expenses Rs 2 Lakhs per month.
Ans: Hello;

Just summarizing your assets available for generating retirement income:

1. Domestic FD: 2 Cr
2. Gold(3 Kg) valued at~:2.64 Cr
3. Jewellery valued at~:2 Cr
4. Flat1: 3 Cr
5. Flat2: 1.5 Cr
6. Land: 1.5 Cr
7. Overseas House: 6 Cr
8. Overseas FD: 12 Cr
9. Self occupied property: 18 Cr
10. Stock & AIF: 1.8 Cr
Total: 50.44 Cr
(Gold price considered: 88 K per 10 gm)
However we can subtract assets at serial no. 3, 7 and 9 from this and we get a corpus of 24.44 Cr. The 44 L may be kept aside for transaction costs, taxes etc.

It is advisable that you sell the flats in India offering low rental yield and also physical gold and the land property.

Now the corpus of 24 Cr may be split into two parts:
20 Cr may be invested in MFs for SWP at 5% yielding post tax income of around 7.3 L per month.

4 Cr may be used to buy immediate annuity from a life insurance company. Assuming 6% annuity rate you may expect a post tax monthly income of 1.4 L.

So your post tax monthly income may be:
7.3+1.4+2*=10.7 L as desired.
*Rental from overseas House

Since the kid's higher education is not finding place here I suggest you work for few more years, while putting this retirement income plan in place, for funding their higher education.

Best wishes;
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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