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Should I Continue with 14 Suryanamaskar Daily at Age 48?

Radhika

Radhika Iyer  |84 Answers  |Ask -

Yoga Expert - Answered on Jun 27, 2024

Radhika Iyer is a yogini, mountaineer and philanthropist.
After being diagnosed with cancer, Radhika benefitted from training in yoga and meditation.
In 2009, she founded the yoga studio Raa Foundation to share what she had learnt. She has also founded Anahata Organics, a sustainable lifestyle brand.
Radhika has been helping individuals develop a positive mindset through wellness activities that engage the mind, body and soul for over two decades now.... more
pravin Question by pravin on Apr 16, 2024Hindi
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NAMASTE MEDAM, MY AGE IS 48 AND I CONTINUE 14 SURYANAMASKAT DAILY AND I SUGUSTE THIS 14 SURYANAMSKAR CONTINUE OR ADD

Ans: Namaste!! Apologies for the delay in replying. Please continue doing 12 surya Namaskars as long as you are doing it correctly. Remember to practice some side twisting asanas post the practice. Cooling down with some basic breathing will help a lot.
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  |7510 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 16, 2024Hindi
Money
My Age now 52 years , now how much sip one should do to i achieve 60 years 10 crores
Ans: Achieving a financial goal requires careful planning and disciplined execution. The objective of accumulating Rs 10 crores by the age of 60 through a Systematic Investment Plan (SIP) is ambitious yet achievable. Let's break down the key aspects involved in this journey, from understanding the nuances of SIP to evaluating different investment strategies.

Understanding Systematic Investment Plans (SIPs)

SIPs are a method of investing in mutual funds where you invest a fixed amount regularly. This approach leverages the benefits of rupee cost averaging and compounding.

Rupee cost averaging reduces the impact of market volatility by spreading out the investment over time. This means you buy more units when prices are low and fewer when prices are high. Over time, this can lead to a lower average cost per unit.

Compounding allows your earnings to generate more earnings. When your investments earn returns, and those returns generate their own returns, the growth of your wealth accelerates.

Setting the Right Investment Amount

To determine how much you need to invest each month to reach Rs 10 crores in 8 years, several factors need to be considered, such as the expected rate of return and the investment horizon. Although detailed calculations are beyond the scope, let's discuss the underlying principles.

Given your goal and timeframe, achieving such a significant corpus requires a substantial monthly investment. The expected annual return on your investments is a critical factor. Typically, mutual funds have historically offered returns in the range of 12-15% per annum.

Advantages of Actively Managed Funds

Actively managed funds are overseen by professional fund managers who make investment decisions based on research and market analysis. These funds aim to outperform the market or a specific benchmark.

One of the benefits of actively managed funds is their potential for higher returns. Fund managers actively seek out opportunities and adjust the portfolio in response to market changes.

Moreover, actively managed funds can provide better risk management. Fund managers can shift investments away from sectors or stocks that they believe may underperform.

Disadvantages of Index Funds

Index funds aim to replicate the performance of a specific index. While they have lower fees due to passive management, there are several drawbacks.

Firstly, index funds are limited to the stocks within the index. This limitation means they cannot take advantage of opportunities outside the index.

Secondly, index funds cannot outperform the market. They are designed to match the market's performance, minus the fees, which means they will always deliver slightly lower returns than the index.

Benefits of Regular Funds via Certified Financial Planners

Investing in regular funds through a Certified Financial Planner (CFP) provides several advantages over direct funds.

A CFP can offer personalized advice tailored to your financial goals, risk tolerance, and investment horizon. They can help you select the best funds, monitor your portfolio, and make adjustments as needed.

Moreover, CFPs can assist with comprehensive financial planning, including tax planning, retirement planning, and estate planning. This holistic approach ensures that your investments align with your overall financial plan.

Evaluating Different Investment Strategies

Diversification is a key strategy to manage risk and enhance returns. By spreading your investments across various asset classes, sectors, and geographies, you can reduce the impact of poor performance in any one area.

Equity mutual funds are a popular choice for long-term wealth creation. They invest in stocks and have the potential for high returns. However, they are also subject to market volatility.

Debt mutual funds invest in fixed-income securities like bonds and are generally less volatile than equity funds. They provide regular income and are suitable for risk-averse investors.

Balanced or hybrid funds invest in a mix of equities and debt, offering a balance of growth and stability. They are ideal for investors seeking moderate risk and returns.

Importance of Regular Reviews and Rebalancing

Regular reviews of your investment portfolio are essential to ensure it remains aligned with your goals. Market conditions, personal circumstances, and financial goals can change over time, necessitating adjustments to your investment strategy.

Rebalancing involves adjusting the proportions of different assets in your portfolio to maintain your desired asset allocation. This may involve selling overperforming assets and buying underperforming ones. Rebalancing helps manage risk and ensures your portfolio remains on track to meet your goals.

The Role of Discipline and Patience

Successful investing requires discipline and patience. It is essential to stick to your investment plan, even during periods of market volatility. Reacting impulsively to short-term market movements can derail your long-term financial goals.

Automating your investments through SIPs can help maintain discipline. By investing a fixed amount regularly, you can avoid the temptation to time the market.

Risk Management and Contingency Planning

Every investment carries some level of risk. It is crucial to assess your risk tolerance and invest accordingly. Diversification, as mentioned earlier, is a key risk management strategy.

Additionally, having a contingency plan is vital. An emergency fund can provide a financial cushion in case of unexpected expenses or market downturns. Ideally, this fund should cover 6-12 months of living expenses and be kept in a liquid and easily accessible form.

Tax Planning and Efficient Investing

Tax efficiency is an important aspect of financial planning. Different investments are subject to different tax treatments. For example, long-term capital gains from equity mutual funds are taxed at a lower rate than short-term gains.

A Certified Financial Planner can help you design a tax-efficient investment strategy. This may involve investing in tax-saving instruments, optimizing the timing of withdrawals, and taking advantage of tax benefits.

Staying Informed and Educated

The financial landscape is constantly evolving. Staying informed about market trends, economic developments, and changes in tax laws is crucial for making informed investment decisions.

Educational resources, such as books, online courses, and financial news, can help you enhance your financial literacy. Additionally, engaging with a Certified Financial Planner can provide you with insights and guidance.

Importance of Goal-Based Investing

Investing without clear goals can lead to suboptimal outcomes. Goal-based investing involves defining your financial goals and creating an investment plan to achieve them. This approach ensures that your investments are aligned with your objectives.

For instance, your goal of accumulating Rs 10 crores by the age of 60 is a long-term goal. Investing in equity mutual funds through SIPs is a suitable strategy for such a goal due to the potential for higher returns over the long term.

Evaluating Investment Performance

Regularly evaluating the performance of your investments is crucial. This involves comparing the returns of your investments against relevant benchmarks and assessing whether they are on track to meet your goals.

If your investments are underperforming, it may be necessary to make changes to your portfolio. A Certified Financial Planner can assist with this evaluation and provide recommendations.

Benefits of Professional Financial Guidance

Engaging with a Certified Financial Planner offers several benefits. They can provide personalized advice, help you navigate complex financial decisions, and offer ongoing support.

A CFP can assist with creating a comprehensive financial plan, selecting suitable investments, and monitoring your portfolio. Their expertise and experience can add significant value to your financial journey.

Recognizing the Importance of Financial Wellness

Achieving financial goals is not just about accumulating wealth. It is also about achieving financial wellness. This involves having a sense of security and peace of mind regarding your financial situation.

Financial wellness encompasses various aspects, such as having an emergency fund, managing debt, planning for retirement, and protecting against risks through insurance.

Final Insights

Accumulating Rs 10 crores by the age of 60 through SIPs is an ambitious yet attainable goal. It requires a disciplined approach, regular investments, and a well-thought-out strategy.

Engaging with a Certified Financial Planner can provide valuable guidance and support throughout this journey. They can help you navigate the complexities of investing, manage risks, and ensure that your investments align with your financial goals.

Remember, successful investing is a long-term endeavor. It requires patience, discipline, and regular reviews. By staying informed, diversifying your investments, and maintaining a focus on your goals, you can work towards achieving financial security and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Pushpa

Pushpa R  |42 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Nov 29, 2024

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How many surya namaskaras can do in a day
Ans: The number of Surya Namaskaras (Sun Salutations) you can do in a day depends on your fitness level, experience, and time availability. Here’s a guideline to help you determine the right number for your practice:

1. For Beginners
Start with 4 to 6 rounds (1 round = 2 sets, right and left side).
Gradually increase to 12 rounds over a few weeks as your stamina and flexibility improve.
2. For Intermediate Practitioners
Aim for 12 to 24 rounds daily, depending on your energy and time.
This takes about 20-40 minutes and provides a full-body workout.
3. For Advanced Practitioners
You can do 50 or more rounds if your body is conditioned for it.
Many practitioners aim for 108 rounds as a meditative or spiritual practice during special occasions or festivals.
Tips for Practicing Safely:
Warm-Up: Begin with light stretches to prepare your body.
Maintain Proper Form: Quality is more important than quantity to avoid injuries.
Listen to Your Body: Stop if you feel tired or experience discomfort.
Stay Hydrated: Keep water nearby, especially for longer sessions.
Cool Down: Finish with restorative poses like Balasana (Child's Pose) and Savasana (Corpse Pose).
Consistency Over Quantity:
Even a small, daily practice of Surya Namaskara can bring immense benefits to your physical and mental well-being. The key is to be regular and mindful.

If you’d like to explore how to tailor your practice for your fitness goals, let me know!

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
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https://www.instagram.com/pushpa_radiantyogavibes/

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I’ve always aspired to work in the Ministry of External Affairs, but I know the competition is tough. I will be appearing for the SSC CGL exam this year. For Tier 2, which sections or strategies should I prioritise to boost my chances of landing my dream role in this recruitment drive?
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Quantitative aptitude (200 Marks) is a high-scoring but time-consuming area, with areas such as algebra, geometry, trigonometry, menuration, data interpretation, and number system. Practice and strengthen basic skills, focusing on accuracy and speed. Resources for pattern comprehension include R.S. Aggarwal's Gradeup and Testbook quantitative aptitude with online mocks.

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Hello Sir, I’m back to you with a question . Sir, doing mechanical in top nits or iiits or bits, what are the possibilities to do ms in computer science. I keep hearing from everyone to go for cse to do ms cs , but my daughter prefers good college first and then cse, based on her capability it’s extremely difficult to get cse in tier1 , so she says I will do mechanical in tier 1 and do ms cs abroad. Please guide on the pros , cons Sir
Ans: Pursuing Mechanical Engineering at top-notional institutes like IIT, NIT, IIIT, or BITS or any other NIRF-Ranked Engineering It may please be noted that if your daugther performs well in 1st Year of her BE/BTech, she will be upgraded to CSE Branch (based on the Institute's Internal Sliding Policy). Colleges offer advantages such as a strong alumni network, branch flexibility, and a strong resume for MS admissions. Students can enroll in elective courses in programming, data structures, and computer applications to prepare for an MS in CS.

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If your daughter's main goal is to pursue an MS in CS, it is better to consider Tier 1 Institutes with CS or IT branches and top-tier institutes with Mechanical focus actively pursuing CS. All the Best for Your Daughter's Prosperous Future.

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Ravi

Ravi Mittal  |504 Answers  |Ask -

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Hello sir/ma'am, i am 24 yrs old and my boy friend 25 yrs old.I met him in a friendly chat app .We were talking on calls,texting and video calls and met each other in real after a 1 yr of relationship.He is the first guy and love in my life and want to marry him.I even made my family to agree for our marriage.He too says he loves me so much and has imagined his life with me and want to marry me.He even told his parents will stick on to whatever he says.He hasn't yet conveyed to his parents yet and told he will introduce to them after his younger sister marriage.We both are students still. I recently found that,he goes to the chat apps again and chats to other girls.When i asked ..he told just friends and even questioned me saying don't u have guy friends? and don't u meet them?....i told him u r the first guy n i dont have any. When our relationship has gone till marriage...why is that he wants to chat to multiple girls?...Now,i started feeling like he doesn't love me as he expressed. He even had past 3 online relationships n all 3 breakups,he told all these before..he told i am the first girl in real life.. I am worried now.Why do guys chat with multiple girls though they are in a serious relation?..does he really love or is it a game? No physical between us.We just met once in a temple and he just kissed my hands while we are going back and got very emotional while he was about to leave. I am worried..what should i do?.please,suggest.
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Ravi Mittal  |504 Answers  |Ask -

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Recently, I (28M) had surgery and have been bedridden for 15 days. During this time, my girlfriend told me her female friend wanted to meet up with a guy. This guy was bringing along a male friend whom I’ve asked my girlfriend to avoid in the past because he tends to get touchy with her. They planned to stay in a hotel, and her friend wanted to be with the guy at night, meaning my girlfriend and the touchy guy would likely share a single room. A couple of days before the trip, she asked me if she should go. I told her it was her choice but made it clear I wasn’t happy about it. Despite that, she went, and when I confronted her, she gave responses like: • “I didn’t invite the touchy guy; the other guy did.” • “Just because you’re bedridden, you don’t want me to go outside.” • “I didn’t touch him; he got touchy with me.” Yeah, maybe I’m jealous or overthinking, but this whole situation has made me unsure about marriage altogether. Am I overreacting?
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Nayagam P

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This is my second attempt at SSC CGL, and I’ve improved since last year. But I’m still anxious about the descriptive paper. Can you suggest ways to stand out in this section and make my essay and letter writing more impactful?
Ans: The SSC CGL descriptive paper requires a clear, structured, and effective presentation. To improve your essay writing skills, review the subject matter thoroughly and avoid deviations from the central theme. Sketch an initial outline and adhere to a straightforward framework, including an Introduction, Body, and Conclusion. Start with a hook and express your thesis or stance in a concise manner. Arrange arguments in a logical order, using data, examples, and facts to establish credibility. Avoid repetition and maintain brevity.

In summary, concisely summarize the primary themes and offer a fair perspective. Avoid vernacular language and maintain appropriate sentence structure and grammar. Maintain a clean writing style and avoid overwriting.

For writing a letter, adhere to the conventional format, maintain clarity and conciseness, and articulate the purpose in the first paragraph. Use simple language and avoid intricate terminology.

Regularly engage in writing essays and correspondence on various subjects to develop adaptability. Stay informed about the latest news and hot topics. Develop time management skills and consistently proofread your work for errors.

Developing impactful essays and letters with clarity, structure, and content relevance enhances your chances of success in the SSC CGL descriptive paper. All The Best for Your Prosperous Future.

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One effective approach is to incorporate regular self-care practices into your daily routine. This could include activities that bring you joy and relaxation, such as exercise, meditation, or spending time in nature. These practices not only help calm the mind but also improve your overall mood and resilience to stress.

Talking to someone you trust, whether a friend, family member, or professional, can also be a powerful way to manage stress. Sharing your feelings and experiences helps lighten the emotional load and provides different perspectives that might help you navigate your challenges more effectively.

It's also important to focus on what you can control and let go of things that are beyond your influence. This shift in mindset can reduce feelings of helplessness and frustration. Setting realistic expectations for yourself and others can also alleviate unnecessary pressure.

Remember to give yourself permission to rest and recharge. Adequate sleep, a balanced diet, and time for relaxation are essential for managing stress. When you take care of your body and mind, you're better equipped to handle life's demands.

Lastly, cultivating a mindset of gratitude and mindfulness can help you stay present and appreciate the positive aspects of your life, even during stressful times. These practices can create a sense of balance and help you respond to stress in healthier, more constructive ways. By integrating these approaches into your life, you can build resilience and find a sense of peace amidst the chaos.

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