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Roopashree

Roopashree Sharma  | Answer  |Ask -

Yoga, Naturopathy Expert - Answered on Sep 08, 2022

Roopashree Sharma, a qualified yoga trainer and naturopathy enthusiast, is the founder of Atharvanlife.
She has completed her diploma in naturopathic medicine/naturopathy from DY Patil University and her advanced diploma in yoga teacher training/yoga therapy from the university of Mumbai.... more
Treya Question by Treya on Sep 08, 2022Hindi
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Health

Dear Roopashree
I just finished Covid. And my skin has turned bad. It's breaking out and my face looks too rough for a girl's. What regimen can I start?
Thanks,
Treya

Ans:

While it takes a few weeks to fight the disease, it takes longer to recover from the medicine’s side-effects and the weakness.

It is very important to let your body recover completely and a complete detox is required to get rid of the accumulated toxins.

The best way is to sweat it out. Initiate an exercise plan according to your capacity -- start with walks and basic stretches and gradually initiate exercises like Surya Namaskar.

For an internal detox, take a few drops of lime with honey in lukewarm water in the morning.

A healthy balanced diet is very important.

If you are non-vegetarian, avoid it for some time as your digestive system might not be able to handle it.

Simple home-made food like dal chawal, sabzi and roti with salad and curd is advisable at least for a few months.

Have soups and salads in the evening and avoid eating post sunset.

If you don’t see any improvement in a month, go in for a detailed consultation with a nutritionist/wellness expert.

 

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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Ramalingam

Ramalingam Kalirajan  |6546 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 09, 2024

Money
Sir, I have decided to start SIP in the below MFs: Large Cap 1. ICICI Prudential Bluechip Fund- 500 Rs. per month 2. SBI Bluechip Fund- 500 Rs. per month 3. Nippon India Large Cap Fund- 500 Rs. per month 4. HDFC Top 100 Fund- 500 Rs. per month Total Amount : 2000 Rs. per month Balanced Fund 1. ICICI Prudential Equity & Debt Fund- 500 Rs. per month 2. UTI Aggressive Hybrid Fund- 500 Rs. per month Total Amount: 1000 Rs. per month Multi Cap 1. Nippon India Multi Cap- 500 Rs. per month 2. Quant Active Fund- 500 Rs. per month Total Amount- 1000 Rs. per month Your observations on the above please? Should I start my SIP with the above proposed portfolio??
Ans: Your approach to starting a SIP in a combination of large-cap, balanced, and multi-cap mutual funds shows a thoughtful effort toward diversification. This is a great starting point, and I appreciate the time you've taken to create a mix of equity-focused funds. However, before you proceed, there are several points to consider. I will break down the analysis by fund type to help you understand whether this portfolio suits your financial goals, risk profile, and investment horizon.

Large-Cap Mutual Funds
You have selected four large-cap funds with an investment of Rs. 500 per month each, totaling Rs. 2,000.

Diversification Issue: Large-cap funds generally invest in the same set of top companies in India. While large-cap funds are stable, having multiple large-cap funds may lead to portfolio overlap. That means different funds might invest in the same companies, limiting diversification benefits.

Recommendation: You might consider reducing the number of large-cap funds. You could keep one or two large-cap funds and allocate the remaining amount to another fund category for better diversification. This will help balance your portfolio and reduce duplication of holdings.

Balanced Funds (Equity & Debt Mix)
Balanced funds aim to reduce volatility by investing in both equity and debt. This adds stability, especially during market downturns.

Suitability: The two balanced funds you've chosen offer a mix of aggressive equity exposure and debt, which helps cushion your portfolio in volatile market conditions.

Investment Horizon: Since you are looking at a long-term horizon, this allocation is beneficial as these funds provide moderate risk and can help you during market corrections.

Recommendation: Continue with these balanced funds as they serve the purpose of balancing risk with potential returns. Keep monitoring their performance and ensure that they stay aligned with your financial goals.

Multi-Cap Funds
Multi-cap funds are a great addition to your portfolio as they invest in large, mid, and small-cap companies. This provides you with diversified exposure across the market spectrum.

Suitability: The two funds you've selected offer you a balanced growth opportunity by investing in companies of various market capitalizations. Multi-cap funds tend to be more volatile than large-cap funds but have the potential for higher returns over the long term.

Recommendation: Multi-cap funds are a good option for investors with a long investment horizon, such as yourself. They will allow you to participate in the growth of companies across sectors and sizes. You can continue with this allocation, but monitor the portfolio periodically to ensure its performance aligns with your risk tolerance.

Overall Portfolio Assessment
Diversification: Your portfolio is moderately diversified across large-cap, balanced, and multi-cap categories. However, due to the multiple large-cap funds, you might see overlap, as discussed earlier. For a more optimized portfolio, you can consider adding a mid-cap or small-cap fund instead of having too many large-cap funds. These categories can provide higher growth potential over the long term, but they come with higher risk.

Risk and Return Balance: Your current portfolio is balanced between high-stability funds (large-cap and balanced funds) and higher growth potential funds (multi-cap). This combination works well for investors who seek steady growth with limited risk.

General Suggestions on Mutual Fund Selection
Avoid Overlapping: As mentioned earlier, holding multiple funds from the same category, especially in large-cap funds, can lead to overlapping holdings. Try to consolidate and focus on fewer but stronger funds within each category to avoid unnecessary duplication.

Regular vs. Direct Plans: You may want to consider investing through regular plans with a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD). Direct plans seem attractive because they come with lower expense ratios. However, regular plans offer the benefit of professional advice, which is essential for long-term portfolio maintenance. A CFP or MFD can help you rebalance your portfolio, monitor fund performance, and provide tax-efficient strategies.

Active Funds Over Index Funds: Active funds, which you have chosen, can outperform index funds in the long run. Unlike index funds, which merely track the market, active funds are managed by experienced fund managers. They have the flexibility to pick and choose stocks that have the potential for higher returns, which could be beneficial for you given your long-term goals.

Taxation of Mutual Funds
Equity Funds: Long-term capital gains (LTCG) tax on equity mutual funds is 12.5% for gains above Rs. 1.25 lakh. This means that after holding equity funds for more than one year, your returns will be taxed at this rate.

Short-Term Capital Gains (STCG): Equity funds held for less than one year are taxed at 20%. Ensure you have a long-term approach to minimize this taxation.

Balanced Funds: Balanced funds are taxed based on their equity exposure. If they hold more than 65% in equity, the taxation is similar to equity funds. Otherwise, they will be taxed like debt funds.

Debt Funds: Long-term capital gains on debt funds are taxed based on your income tax slab. Given this, holding debt funds for over three years helps in availing indexation benefits, reducing tax liabilities.

Retirement Planning and Financial Goals
Given your age and your desire to build a retirement corpus in 10 years, your portfolio should focus on growth. Based on the mix of funds you’ve selected, here’s an evaluation:

Retirement Corpus: You will need a solid growth strategy to accumulate the desired retirement corpus in the next decade. Given your current portfolio allocation, it is important to keep your equity exposure high, as it offers the best growth potential over the long term.

Children's Education and Marriage: With two young children, education and marriage expenses will be significant. Keep in mind that education costs rise faster than inflation. To manage these future needs, consider segregating your investments: one portfolio for retirement and another for education.

Emergency Fund: Ensure you also maintain a sufficient emergency fund in liquid instruments such as fixed deposits or liquid mutual funds. This fund should cover at least 6 to 12 months of expenses.

Final Insights
Consolidate Funds: Instead of multiple large-cap funds, consider focusing on 1 or 2 strong performers. This will reduce duplication and enhance your returns.

Monitor and Review: Regularly review the performance of your funds with a Certified Financial Planner. This will ensure your portfolio stays aligned with your goals and risk tolerance over time.

Tax Planning: As your investments grow, it’s important to remain mindful of the tax implications of your gains. Keeping a long-term approach will help minimize taxes.

Long-Term Vision: Focus on maintaining an equity-heavy portfolio for the next 10 years, as equity investments tend to outperform in the long run. Balanced and multi-cap funds can provide a good mix of stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ravi

Ravi Mittal  |349 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 09, 2024

Asked by Anonymous - Oct 08, 2024Hindi
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Relationship
Hello Ravi. Im a 33 year old female, in search of life partner. Through matrimony groups I was shared a contact of a guy and we spoke over call. Initially there was interest from both ends we messaged each other and asked for calls. As we came to know about each other, he is more of an extrovert, enjoys socializing ,consumes alcohol etc. Although Im exposed to cosmopolitan culture I come from a more disciplined/simple/traditional upbringing. Not orthodox but would have preferred someone without those habits. I did not judge him based on his habits, I clearly told that we may try to give each other a chance and I do consider all the other good things in him like being ambitious, attached to his family, independent, cooks for himself , has a good routine, a person who enjoys life and seemed like a happy and cheerful guy. But he kind of judged me for expressing that I looked at alcohol as not a very good habit etc . He had past relationships and asked my opinion on continuing with them as friends, again I said that its past so if he is over it and doesn't let it hamper his future I wouldn't look at it negatively. Although seems like he even had physical relations I dint dig deep or asked any questions. I felt like I did give it a shot and wanted to take a chance bcoz of few good aspects considering we both are of similar backgrounds (the way we were exposed to mixed cultures etc growing up), have satisfied each others non negotiables , have same opinions on joint family, kids etc. He also expressed dilemma over being in different cities cant get to know each other etc and I was like we can meet if we wish to and if we want to take it forward, its not an impossible task. The last time we spoke he said he needs time and he wasnt sure, also suggested that we speak to other people as well. now its been 2 months and neither of us contacted each other. I assumed as he asked for time if he was interested he would get back, he even was seeing all my WA status updates until some time back. So I dint contact, also even while we were talking most of the times it was me initiating msgs asking for call etc. He even acknowledged the same that Im putting efforts and he is unsure etc . So should I really contact him now and check what he though or have self respect and ignore thinking that he is not interested (which looks like the case as he dint contact in 2months). The problem is Im also finding very difficult to find right guys and I feel in certain aspects he is good and should I really give it a chance and try from my side ? Parents are not involved as seems entire decision is of the guy. Im not on dating apps etc, never been in relationship and only looking for a person who can commit and Im in no space to do trial and error or want to get into online dating at this point of time because Im an emotional person and attaching-detaching is not easy for me. I guess Im attached to this person also somewhere and constantly thinking if I should msg or ignore. I was open to talk to others and see but unfortunately nothing worked out and dint get to talk to anyone else in this time. Please advise me, these thoughts are eating me up.
Ans: Dear Anonymous,
I am glad that neither one of you decided to rush into committing to one another. Let me address all the issues one by one

First, I understand that you are not judging his lifestyle, but that does not mean you are not allowed to be concerned about it. We all have our preferences and there is nothing wrong with that.

Second, why should you be the only one putting in the work? A healthy connection is forged when both parties take an equal part in building it. Moreover, don't you think you deserve someone who would love to put some effort into building a relationship with you?

Third, if he isn't sure about this marriage, it is okay. But that does not mean he should leave you hanging. If it has been over two months and you are finding it difficult to give him any more time and space, you can communicate that to him. You can ask him if he has made up his mind and what his intentions are.

Fourth, please do not build a relationship with a person you are not entirely satisfied with because you do not have a better option right now. Do not set your bar low. Lack of options should not be the reason you choose him; you should only decide to marry him when you firmly believe that he is the right man for you.

Best Wishes.

...Read more

Radheshyam

Radheshyam Zanwar  |975 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Oct 09, 2024

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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