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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1145 Answers  |Ask -

General Physician - Answered on Mar 05, 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
Smarajit Question by Smarajit on Feb 23, 2024Hindi
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My mother is 87 years old and has NO control on urination flow. She walks with stick, but very slowly. So, she leaks on the floor every time when she goes to Bathroom. Recently, she drinks very less water to control urine leakage and the her urine has now developed strong stench. What is your remedial advice, Sir?

Ans: Please make her wear diaper to start with
We need to understand if the cause of incontinence
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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Mutual Funds, Financial Planning Expert - Answered on Mar 11, 2025

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Hello Sir, I have invested in the following Mutual Funds: Tata Hybrid Equity Fund, Tata Banking & Financial Funds, Axis Blue Chip, Axis ELSS Tax Saver Fund, Axis Global Equity Alpha, Axis Small Cap, Mirae Asset ELSS Tax Saver, Quant Active Fund, Quant ELSS Tax Saver Fund, Birla Focused Equity Fund, Kotak Flexicap Fund, HSBC Value Fund, SBI Direct Bond Fund, SBI Magnum Income Plan, SBI Banking&Financial Services, SBI Blue Chip, SBI Flexicap Fund, DSP ELSS Tax Saver Fund. Pls. advise if I hold on to them or lose some of them?
Ans: Your mutual fund portfolio is diverse, but some consolidation can improve efficiency. Below is an analysis of key points to help you decide which funds to keep and which to exit.

Key Observations
Overlapping Funds: Multiple funds from the same AMC in similar categories reduce diversification.

Sector-Specific Funds: Banking and financial sector funds add concentration risk.

Too Many ELSS Funds: Excessive ELSS funds may reduce focus on wealth creation.

Global Fund Exposure: International funds can diversify risks but may underperform in volatile global conditions.

Bond Funds for Stability: While bond funds offer stability, they may limit long-term growth.

Recommended Actions
Equity Funds: Focus on Quality Over Quantity
Retain 1-2 large-cap funds for stability and consistent returns.

Keep 1 flexi-cap fund for dynamic investment across market caps.

Retain 1-2 ELSS funds if you require tax savings; avoid over-diversification in this category.

Hold 1 small-cap fund for aggressive growth, but limit exposure to manage volatility.

Avoid multiple funds with similar strategies as they create redundancy.

Sector Funds: Reduce Concentration Risk
Reduce exposure to banking and financial services funds. These are cyclical and can underperform during economic downturns.

Instead, focus on diversified equity funds that include financial sector stocks.

Global Equity Funds: Moderate Allocation
Retain your global fund if you seek international diversification.

Limit exposure to less than 10% of your total portfolio to reduce currency risk.

Bond Funds: Stability with Limited Growth
Retain 1 bond fund for liquidity needs or near-term expenses.

Avoid excessive debt fund investments if your goal is long-term wealth creation.

Portfolio Optimisation Strategy
Aim for 7-9 well-chosen funds instead of spreading investments too thin.

Focus on a mix of large-cap, flexi-cap, mid-cap, and small-cap funds for balanced growth.

Retain one global fund for international exposure.

Include one debt fund for short-term financial needs.

Exit funds with similar investment strategies to improve clarity and focus.

Tax Efficiency Considerations
Consider the latest capital gains tax rules when redeeming equity funds.

Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

For debt funds, both LTCG and STCG are taxed as per your income slab.

Plan redemptions strategically to minimise tax impact.

SIP Strategy
Continue SIPs in high-performing equity funds with strong track records.

Increase SIPs in funds aligned with your long-term goals.

Reduce or stop SIPs in overlapping or underperforming funds.

Final Insights
Your portfolio requires better alignment with your financial goals. By reducing fund overlap and sector-specific exposure, you can improve returns and risk management. Focus on a leaner, more diversified portfolio with a strong mix of equity and debt funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Radheshyam

Radheshyam Zanwar  |1408 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 11, 2025

Asked by Anonymous - Mar 11, 2025Hindi
Career
Dear Sir. As parent, I have two questions - first is which engineering course to pursue and second is which institute to get admission - based on some trails mentioned below. My son registers for JEE 2025 Session II, BITSAT 2025, VIT 2025, COMEDK UGET 2025, MHT CET 2025. As plan-B option, he has also registered for IISER Aptitude Test (IAT) 2025, NEST (NISER 2025). Score in JEE Session I is 78.43 Percentile (Physics 90.76, Mathematics 84.1 & Chemistry 15.44). He has no interest in chemistry - which is also reflected in subject wise percentile. However, he has keen interest in deep-thinking, particularly in physics. Based on the association with my son, I clearly understand that his ability not at all aligns with his poor performance. As regards career, at present, he has strong desire to work in ISRO. He often share his idea with me by saying "I don't want to pursue Computer Science and thereafter money to become rich but I love to explore Space/Aerospace and so I want to join ISRO. But at his young age, my son is too immature to take the decision that which course will help him to land in ISRO. My son, somehow, comes to know that ISRO absorbs mechanical engineer through ICRB examination. Based on this information, he wants to pursue mechanical engineering. But, according to my opinion, as of today, as mechanical engineering has less scope in job-opportunities, it might be a risky choice. So, to remain on safer side, I insist him to pursue Electronics and communication engineering. My idea is if he pursues Electronics and communication and finally gets absorbed in ISRO, it is fine. Otherwise, (if not in ISRO), one can find job in other sectors (Government/ Private) as a Plan-B option. But with mechanical engineering, as of today, it may be difficult to find a suitable job of one's choice because of less job-opportunity in this field. Please suggest whether I am right or wrong in making this decision. My second question is which college should I choose for my son, based on his test in academic? As with this low percentile, my son will not be able to bag a seat in reputed government institute like IIT/NIT, so I decide to get his admission in some reputed private college/university. In this regard, I hear from people that when it comes to quality of education in private institution, South India is better. So, I decide to get his admission with Electronics and communication in some reputed college/university in Bangalore (although I and my son belong to north India). So, please suggest me whether I am right or wrong in making this decision. Also, please suggest me the name of reputed institute based on this perspective. Your valuable suggestions will my son to navigate in choosing his career path with desirable engineering course from a good/worthy institute - where he can flourish/nurture his taste of his choice.
Ans: Hello Dear.
I am pleased to note your kind attention towards your son. Additionally, you provided a lot of information to answer your queries in detail to some extent. Your son is interested in pursuing a career in the field of Space, specifically Aerospace, and he is keenly passionate about Physics. He is very clear that he does not want to pursue CSE or other computer-related engineering branches. He took his first attempt at the JEE but scored lower than both his and your expectations. However, he has another attempt in April where he has the opportunity to excel. Let us hope positively. Along with JEE, you are also encouraging him to sit for the BITSAT, VIT, COMEDK UGET, MHT-CET, IISER, and NEST entrance examinations, which is a wise decision.
Here is a point-wise reply to your questions: (1) Let him take all the above entrance examinations and the JEE second attempt, and gather the scorecards from these exams. (2) Based on these scores, you can choose the appropriate college and branch, excluding mechanical engineering. (3) Although your son aims to join ISRO, it would be safer to be admitted to a reputed engineering college in a good branch to avoid potential issues in the future. (4) Once admission is confirmed in a reputed college and branch, your son will have ample time to prepare for the entrance examinations conducted by ISRO and other institutions like NASA. (5) Even if he does not get into ISRO, he still has the chance to join a reputable company based on his degree. (6) Undoubtedly, Bangalore would be the best choice if your son were interested in CSE. However, since he has little interest in the computer field, there is no point in relocating from North to South India. It would be better to choose a college in the Northern region, particularly from the Delhi area. (7) If you are not interested in Mechanical Engineering and your son is not keen on computer-related branches, then it would be better to focus on getting admission to aerospace engineering. Numerous reputed institutes in India offer aerospace engineering courses; a quick Google search for "aerospace engineering colleges in India" can help. (8) Enrolling in aerospace engineering will boost your son's confidence right from the first year. (9) Your decision is neither wrong nor right. As a parent, your concern for your son's future is valid. However, navigating the entrance exams is your best option. Just wait for all the results to make the best choice. I hope this reply has satisfied you to some extent.
Follow me, if you are satisfied, else ask again.
Thanks
Radheshyam

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