Home > Health > Question
Need Expert Advice?Our Gurus Can Help
Dr Ashit

Dr Ashit Hegde  | Answer  |Ask -

Consultant Physician, Internal Medicine and Critical Care Expert - Answered on Sep 20, 2023

Dr Ashit Hegde specialises in internal medicine and intensive care. He has nearly 40 years of experience and is consultant physician, intensivist and head of the critical care section at the PD Hinduja Hospital and Medical Research Centre.
He is actively involved in teaching and training residents for post graduate programmes in internal medicine and critical care.
He holds an MD degree in general medicine and therapeutics from the Lokmanya Tilak Municipal Medical College, Mumbai, and an MRCP from the Royal College of Physicians, Edinburgh.... more
Asked by Anonymous - Sep 19, 2023Hindi
Listen
Health

I'm 41 years old. I work from a 10 to 8 job in IT. I have good appetite. for the last 2 years I have been suffering from food digestion issue, gastric issues, and constipation. I consulted family doctor - who asked me to get endoscopy and colonoscopy done. All results were fine and nothing abnormal was reported. Got Liver test also done - and results were fine (however it came as non-alcoholic fatty liver). I burp a lot after every meal and puke some amount of food after every meal as well due to excess burping. I have stopped taking milk products also since 2 yrs. Some days im fine, some days its troublesome. Currently taking Pathanjali UDRAMRIT VATI daily 2 times. I see some good improvement (burping has reduced quite a bit as well as digestion feels better) - puking has reduced to just a few times here and there and not very regular. I have stopped eating non-veg food since 3 months now (earlier used to eat once a week). Any suggestion is appreciated doctor. Thanks

Ans: have you got your Sr B12 levels checked, have you got an ultrasound of the abdomen.
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.
Health

You may like to see similar questions and answers below

Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1145 Answers  |Ask -

General Physician - Answered on Aug 09, 2024

Listen
Health
Doctor I am 61 year male retired and my gall bladder was removed in 2016 and that time i was having slight fatty liver but no pain or discomfort any where other than severe constipation . However , since than I was taking Pan D daily morning . But suddenly 1 and half year back I had severe coughing which continued till last month and local physician prescribed antibiotics and cough syrups and foracourt 200 but coughing did not go . All my chest xray and sputum test came negative . Coughing was more severe when I lie down on bed and was not able to take turn to left side as it was worst coughing that time. i was not able to sleep and severe anxiety , palpitation , dry throat , excessive sweating , all of a sudden feeling cold or hot etc were there . Then I consulted the surgeon who operated the gall bladder he asked for LFT and sonography of upper abdoman . Everything came fine including fasting sugar and HB except SGPT and SGOT levels are high SGPT 200 and SGOT 85 . After this doctor prescribed Veloz IT cap in the morning empty stomach and Obetohep 5mg after lunch both for 2 months and Reflux fort syrup for 7 days along with Anxozap 15mg. Also asked to take no fat meal , fruits , and as I am vegetarian all leafy vegetables , very low sugar and salt . I have followed sincerely and I am walking at least 6000 steps daily. I left smoking for more than 2 months now . I am non alcoholic . Since then situation has improved a bit but not fully . In these conditions it is very difficult to travel to other place as I need to go what should I do will this ever be all right and I can resume my normal food . Please suggest best possible way out .
Ans: Travel with the sensitivity to your body's inner clock.
If you are aligned with your inner biological clock and have discipline in your food, sleep and Activity, I suppose you can travel

..Read more

Latest Questions
Dr Dipankar

Dr Dipankar Dutta  |992 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 20, 2025

Dr Dipankar

Dr Dipankar Dutta  |992 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 20, 2025

Dr Dipankar

Dr Dipankar Dutta  |992 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 20, 2025

Dr Dipankar

Dr Dipankar Dutta  |992 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Mar 20, 2025

Ramalingam

Ramalingam Kalirajan  |8118 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 20, 2025

Asked by Anonymous - Mar 20, 2025Hindi
Listen
Money
Sir Namaskar. I need 10 lac. I can put around 15-20k every month. I am now at 57. Please suggest me the way out. Regards
Ans: You need Rs. 10 lakh.
You can invest Rs. 15K–20K per month.
You are 57 years old.
A structured approach will help you reach your goal efficiently. The right investment choices, tenure, and risk management will be key.

Assessing the Timeframe
If you need Rs. 10 lakh within 3 years, a low-risk strategy is better.
If you have 5+ years, you can take moderate risk for better returns.
Your risk appetite, income stability, and other financial commitments also matter.
Short-term and long-term plans need different strategies.

Choosing the Right Investment Strategy
Low-Risk Approach (For 3 Years or Less)
Bank recurring deposits (RDs) offer stable but low returns.
Short-term debt mutual funds give slightly better returns than RDs.
Fixed deposits (FDs) in small finance banks provide higher interest.
Corporate bonds of high-rated companies can offer fixed income.
These options are safe but may not beat inflation.

Moderate-Risk Approach (For 3–5 Years)
Conservative hybrid mutual funds balance equity and debt.
Dynamic bond funds adjust based on interest rate changes.
Post office savings schemes offer security but fixed returns.
Gold ETFs can act as a hedge against inflation.
Moderate risk gives better returns than FDs but needs periodic review.

Growth-Oriented Approach (For 5+ Years)
Actively managed flexicap mutual funds allow growth with risk control.
Large & midcap funds balance safety and higher returns.
SWP (Systematic Withdrawal Plan) after 5+ years can give monthly income.
Sectoral funds (like pharma, IT) are riskier but can boost returns.
Long-term investing helps wealth grow faster than inflation.

Managing Liquidity and Emergency Needs
Always keep 6 months’ expenses in a savings account or liquid fund.
Avoid investing all your money in one asset class.
Keep some investments easy to withdraw in case of emergencies.
Liquidity management ensures financial stability while you invest.

Tax Efficiency in Investments
Debt mutual funds are taxed as per your income slab.
Equity mutual funds have 12.5% LTCG tax after Rs. 1.25 lakh gains.
FDs have TDS if interest crosses Rs. 40K (Rs. 50K for senior citizens).
Choosing tax-efficient instruments will maximize net returns.
Tax planning helps in retaining more earnings.

Retirement Considerations While Investing
Since you are 57, your investment should not affect retirement savings.
If your pension or other income is fixed, don’t take excess risk.
If you have additional savings, you can afford a balanced approach.
Avoid investing everything in equity unless you have surplus funds.
Retirement safety should be a priority while planning for Rs. 10 lakh.

Practical Investment Plan Based on Timeframe
If Needed in 3 Years
50% in short-term debt funds.
30% in fixed deposits or post office schemes.
20% in high-rated corporate bonds.
Low risk with steady returns.

If Needed in 5 Years
50% in conservative hybrid funds.
30% in large & midcap equity funds.
20% in short-term debt funds.
Balanced risk with potential growth.

If Needed in 7+ Years
60% in actively managed equity funds.
20% in hybrid funds for stability.
20% in gold ETFs or debt funds.
Higher risk but better long-term gains.

Avoiding Common Investment Mistakes
Don't keep all savings in FDs, as they give low post-tax returns.
Avoid high-risk stocks or thematic funds if you need funds soon.
Never invest emergency funds in volatile assets.
Review investments annually to stay aligned with the goal.
A disciplined approach prevents financial stress.

Finally
Your Rs. 10 lakh goal is achievable with systematic investing.
Choose the right asset mix based on your timeframe and risk level.
Keep tax efficiency, liquidity, and retirement security in mind.
Regular review and professional guidance will optimize your returns.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

...Read more

Rajesh Kumar

Rajesh Kumar Singh  |254 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Mar 20, 2025

Rajesh Kumar

Rajesh Kumar Singh  |254 Answers  |Ask -

IIT-JEE, GATE Expert - Answered on Mar 20, 2025

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x