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Komal

Komal Jethmalani  |382 Answers  |Ask -

Dietician, Diabetes Expert - Answered on Aug 25, 2021

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
Vishal Question by Vishal on Aug 25, 2021Hindi
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Health

Dear Komal
Lately, my knees and ankles hurt a lot. Sometimes, there is swelling.
have a normal daily routine but don't do any special exercises as such. No health issues either.
I am 40 years old, height: 5.6, weight: 60 kgs.
Vishal Sharma

Ans:

Hormonal changes and aging can cause depletion of calcium from the bones.

Vitamin D is needed for the absorption of calcium. It is also a vital nutrient for our immunity.

Keep a check on all blood parameters.

A healthy diet with adequate protein and balanced macro and micronutrients will be sufficient to achieve your requirements.

Stiffness due to lack of exercise could be one of the reasons for knee and ankle pain.

Get into a daily fitness regimen.

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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No pain at start but after walking for 100 meters right knee suffers extreme pain and go on increasing for next 300 to 400 meters but goes out slowly when walking continued. What is this?
Ans: Dear Mr. Dilip Kumar . Thank you for your query. It sounds like you are experiencing intermittent knee pain that worsens after walking about 100 meters, intensifies for the next few hundred meters, and then gradually subsides as you continue. Pain associated with walking in the knee can occur for various reasons, and without knowing your age and medical history, it's essential to consider a few common possibilities. It could be due to osteoarthritis, especially in older adults, where the wear and tear of knee joint cartilage causes pain that may decrease after warming up. Another possibility is patellar tendinitis, involving inflammation of the tendon connecting the kneecap to the shinbone, which causes pain during walking. Iliotibial Band Syndrome (ITBS) might also be a factor, especially if the pain is on the outside of the knee. In some cases, pain that starts with walking and improves gradually could point to vascular issues, such as claudication, or a past meniscal injury or ligament strain affecting the knee's stability.

Given the variety of potential causes, it’s crucial to consult with a physiotherapist for a thorough assessment. They can perform a detailed physical examination, recommend appropriate imaging if necessary, and develop a targeted plan for managing the pain. This will help you address the root cause and ensure a quicker and safer recovery.

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Asked by Anonymous - Mar 15, 2025Hindi
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I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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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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