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Dr Karthiyayini Mahadevan |696 Answers |Ask -Follow

General Physician - Answered on Mar 27, 2024

Dr Karthiyayini Mahadevan has been practising for 30 years.
She specialises in general medicine, child development and senior citizen care.
A graduate from Madurai Medical College, she has DNB training in paediatrics and a postgraduate degree in developmental neurology.
She has trained in Tai chi, eurythmy, Bothmer gymnastics, spacial dynamics and yoga.
She works with children with development difficulties at Sparrc Institute and is the head of wellness for senior citizens at Columbia Pacific Communities.... more

Asked by Anonymous - Feb 20, 2024Hindi

Health

Mam can woman have sex after menopause. she is at 45 now

Ans: Yes
Menopause is another phase of womanhood. There may be dryness, depression as part of menopausal symptoms which need to be addressed through proper understanding and support

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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Anu Krishna |825 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Mar 17, 2023

Asked by Anonymous - Mar 15, 2023Hindi

Hi Anu !! I am 53 year & my wife is 52 years. She underwent a surgery in 2021 for removal of a simple ovarian cyst and was back to normal routine after few months. However, we are not able to have sexual intercourse since then due to it being extremely painful for her. She has also lost all interest in sex & we try it occasionally only upon my insistence. Prior to her surgery, we had a rocking sex life but now it has come to an abrupt end & it feels very depressing at times, particularly for me. Life seems lack-lusture now. Is it normal or we need to have some medical or psychological intervention. My wife says we are now anyway too old to expect frequent sexual encounters as before. She had her menopause about 3 years back. Pls help, I am confused, just like teenagers are when they are at the doorsteps of adulthood.

Ans: Dear Anonymous,
Two things strike me as I read what you have shared.
1. The effects of the surgery and medications that are possibly not making intercourse a pleasure
2. The effects of menopause which she possibly is undergoing that can temporarily deter the body from being active for any form of sexual intimacy

So, isn't it fair to actually focus on her as she is dealing with two major challenges at this point in time? I do understand that as a man, the way the body works is not at the same pace as it is for a woman. That's how there is a mismatch during key phases of life; childbirth, menopause, illness...
For a woman, her body will cooperate for any form of intimacy only if she 'feels' it from within...with pain and physiological changes during menopause due to hormonal his and lows, it is a challenge.
Work together as a couple on this; understand what is going on with her and what she 'feels'

Address the 'feeling' part and you will get answers to what's going on with her mind and body. Is consulting an option? Yes, it is but after you have tried working together on this. Sometimes, it is good to rule out any medical issues that is causing her to still have pain or a fear due to that pain can be eliminated by working with a mental health professional. Also a Mind Expert, will be able to work on her beliefs on intimacy, sex etc after a certain age...
One can be sexually active as long as they wish to, but it need not be cut short due to health issues or belief issues. Be compassionate as you speak with her and I am sure, things will get better...

All the best!

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Love Guru |187 Answers |Ask -Follow

Relationships Expert - Answered on Aug 03, 2023

Asked by Anonymous - Jul 09, 2023Hindi

Relationship

I am 67 years old with married life of 41 years. my wife aged 58 years old, underwent Hysterectomy 8 years back due to ovarian cyst. I am interested in Sex. my wife doesn't have any interest in sex. we use vaginal lubricants also. how to solve this problem.

Ans: A hysterectomy is no reason to stop having sex, but there may be associated physical factors that your wife is perhaps coping with. Doctors are no strangers to the issues women face sexually in light of menopause and related conditions. I think a frank consultation with a medical expert may help your situation more than I can.

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Kanchan Rai |169 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 24, 2023

Asked by Anonymous - Dec 23, 2023Hindi

Relationship

Hii, I am a married man aged 54 years. My wife is aged 50 years. she has undergone menopause about a year ago. Since then her sexual desire has finished and she is not at all interested in sex. On the other hand, I am sexually active having urge for sex. We have't had sex for last more than six months. I am now getting restless. My friend has suggested that I should go for paid sex to satisfy my urge, but I feel it will be like cheating on my wife who has been faithful to me for the whole life. I am in a fix. Please advice,

Ans: Dear Anonymous,
I understand that your situation is challenging and can be emotionally difficult. It's important to approach such matters with sensitivity and communicationTalk to your wife openly and honestly about your feelings and desires. It's crucial to have a calm and non-confrontational conversation. Express your needs and concerns while also being empathetic to her perspective. Menopause can lead to changes in a woman's libido due to hormonal shifts. It may be beneficial for your wife to consult with a healthcare professional to discuss her symptoms. There could be medical interventions or lifestyle changes that may helpWhile sex is an important aspect of a relationship, intimacy can take many forms. Explore other ways to connect emotionally and physically that don't necessarily involve sexual activity. This may help strengthen your bond with your wife If you find it challenging to cope with your own feelings and desires, seeking individual counseling for yourself could be beneficial. A counselor can provide support and help you navigate your emotions. If both you and your wife are open to it, you might discuss the possibility of finding a solution that respects both of your needs and boundaries. This could involve finding a compromise or an arrangement that works for both parties Remember, every relationship is unique, and there is no one-size-fits-all solution. The key is to communicate openly, seek understanding, and work together to find a resolution that respects both partners' feelings and needs.

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Dr Karthiyayini Mahadevan |696 Answers |Ask -Follow

General Physician - Answered on Feb 18, 2024

Question by sanjeev - Feb 10, 2024Hindi

Health

is a lady can pregnant after menopause at the age of 50

Ans: If it is a true menopause, the answer is no
Sometimes this transient sleep of ovaries and then waking up to show menstruation then the answer is yes
But this very unlikely

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Anu Krishna |825 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Apr 24, 2024

Asked by Anonymous - Apr 08, 2024Hindi

Relationship

Namasthe Dr. I am 72. My menopause passed off very coolly without any hickups. Myself and my husband who is six years elder to me in age have been having regular sex once a week and we both enjoy the act. Is that normal or should we refrain from the act? I get arousal normally. Kindly suggest as I sometimes get a doubt whether sex at this age may not be good.

Ans: Dear Anonymous,
Congratulations! Most couples wean off from sex citing old age and other health issues due to ageing...
The act of sex/lovemaking increases heart rate, blood pressure and respiratory cycles and that is the only thing that you need to be watchful of especially if you are under medications for any lifestyle ailments. This doubt can be cleared with your doctor who can advise you accordingly; other than this sex is the most beautiful sport to indulge in at any age and also it keeps a couple together emotionally as well. So, enjoy...

All the best!

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Krishna Kumar |254 Answers |Ask -Follow

Workplace Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

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I have my graduation in electronic and communication.I have career gap 2019-2023 .I started a business but unfortunately we failed ,I want a job in IT Industry what should we do for getting a job as a fresher

Ans: Hello

2019-23 is not a career gap but a learning period where you tried entrepreneurship. Please tell your potential employer about that.

Try in the companies which are in the similar areas in which you tried your business, they will value your experience.

Failed entrepreneurship is an invaluable experience because now you know what all NOT to do.

You are indeed a. Fighter, you will do very well. All the best.

Best regards

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Asked by Anonymous - Apr 27, 2024Hindi

Money

Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option

Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.

Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Question by SATISH - Apr 28, 2024Hindi

Money

I have invested in mutual funds and sold 1 Lak of short term funds after 4 years to get 3000 Rs gain. Which ITR should I file 1 or 2?

Ans: As a Certified Financial Planner, I'd advise you to file ITR-2 for this scenario. ITR-2 is applicable for individuals and Hindu Undivided Families (HUFs) who have income from capital gains or more complex sources like multiple properties or foreign income. Since you've sold short-term mutual funds, which fall under the category of capital gains, and earned a gain of Rs. 3000, it's appropriate to use ITR-2 to report this income.

Additionally, ITR-2 allows for the disclosure of income from salary, house property, capital gains, and other sources, making it suitable for individuals with diverse income streams. Ensure you accurately report all relevant details of your mutual fund transactions and any other income you may have earned during the financial year.

Consulting with a tax advisor or accountant can provide further clarity and ensure you file your taxes correctly, maximizing your tax efficiency while staying compliant with regulations.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Question by Harish - Apr 28, 2024Hindi

Money

I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.

Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Question by Akshat - Apr 28, 2024Hindi

Money

My salary is 80k in hand and I don’t have any other liability. My parents are dependent on me. My job is in Gurgaon and I stay at 5 hours of travel. I go to office thrice a week. I have a property that’s between my father and uncle. My uncle is asking to sell it offf while my father wants to keep it. Should I take a home loan of 12 lakhs for 4 years or not??

Ans: It sounds like you're facing a significant decision regarding your financial future, especially with your family's dependence on you. Have you considered the broader implications of taking on additional debt? As a Certified Financial Planner, my concern is not just about the numbers but also about ensuring your overall well-being.

Taking a home loan of 12 lakhs over four years might seem like a solution, but it's crucial to weigh the pros and cons. Consider the impact on your monthly cash flow, especially with your salary and travel expenses. Reflect on your long-term goals and whether this loan aligns with them.

Additionally, the dynamics surrounding your property add another layer of complexity. Have you discussed the situation thoroughly with your family, considering both your father's and uncle's perspectives?

Ultimately, the decision rests on finding a balance between your financial obligations, your family's needs, and your own aspirations. Let's explore all angles together to ensure you make the choice that best serves your future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi I have 4 lakhs and want to invest in mutual funds l.could anyone guide me like best mfs to invest

Ans: I commend your decision to invest in mutual funds to secure your financial future. With 4 lakhs in hand, you're taking a step towards building wealth and achieving your goals. Have you considered the power of expert guidance? A Certified Financial Planner can provide personalized recommendations based on your risk appetite and investment horizon, helping you navigate the vast landscape of mutual funds.

Active funds managed by skilled professionals offer the potential for growth and income generation, steering clear of the passive approach. By opting for regular funds with the assistance of a Mutual Fund Distributor, you can benefit from their insights and experience, ensuring a smoother investment journey.

Remember, investing is not just about numbers; it's about planting seeds for your dreams and nurturing them over time. It's about finding alignment between your financial aspirations and the strategies that best suit your needs. Let's embark on this journey together, crafting a roadmap that not only grows your wealth but also enriches your life.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Question by Manjunath - Apr 28, 2024Hindi

Money

I have 50 Lakhs in hand, Where should i invest to get 50000/- monthly income

Ans: It's wonderful that you're thinking about securing a steady income stream with your savings. With 50 lakhs in hand, you're in a position to make some thoughtful decisions about your financial future. Have you considered the power of diversification? A Certified Financial Planner can help you navigate various investment options tailored to your risk tolerance and financial goals. While real estate might seem like a traditional choice, let's explore alternatives that offer liquidity and potentially higher returns without the hassle of property management.

Active funds managed by experienced professionals could be a viable option, providing opportunities for growth and income generation. By opting for regular funds with the guidance of a Mutual Fund Distributor, you can tap into their expertise and gain insights into market trends.

Remember, investing is not just about numbers; it's about securing your dreams and aspirations for the future. It's about finding a balance between risk and reward, and crafting a portfolio that reflects your values and ambitions. So let's embark on this journey together, weaving a financial plan that not only generates income but also brings peace of mind and fulfillment.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.

Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.

(more)

Ramalingam Kalirajan |939 Answers |Ask -Follow

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

Question by sai - Apr 28, 2024Hindi

Money

Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame

Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.

(more)

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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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