Hi , requesting advice on behalf of my friend who is 47 years old , was diagnosed with Psoriasis Arthritis about 4 years ago, went through a Ayurvedic treatment for a while which did not give desired results, later she was prescribed Humira and she was taking it continuosly for about 3+ years , recently her doctor changed her to a new medication Tremfya.. she has started getting back the pains in her toes , ankles nd joints . Please advice and also what diet is good

Ans: Polycystic ovary syndrome (PCOS) is a hormonal condition that can cause irregular or absent menstrual periods.
Higher amounts of androgens in PCOS can interfere with egg development and ovulation, leading to skipped or absent periods.
One of the best ways to cope with PCOS is to maintain a healthy bodyweight, eat nutritious foods and exercise regularly.
LIFESTYLE CHANGES:
Eating healthy foods, exercising regularly, and maintaining a healthy weight can help regulate your menstrual cycle
BIRTH CONTROL PILLS:
Combination oral contraceptives (COCs) can help regulate menstrual periods and treat acne and hirsutism. It can take up to six months to see if birth control is effective.
ANTIESTROGENS:
These medicines can help with skin and hair growth problems
METFORMIN
This diabetes medicine can help control ovulation and androgen levels, which can make menstrual cycles more regular
Supplements containing
Myo ionositol, chirositol, vitamin D, chromium also helps in maintaining pco

Ans: Hello Vikas.
NEET aspirants can give the JEE (Mains) without any hurdle. But the JEE is based on PCM. Hence, to be admitted to the engineering branch, the aspirant must have cleared mathematics as an optional subject.
Best of luck for your upcoming NEET and JEE exams.

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Thanks.

Radheshyam

Ans: If you are interested in R&D you should do PhD. You may get scholarship also. See websites of the premier Universities to know criteria.

Ans: Sorry. I do not know any course which provide job guarantee. Best course will be M.Tech from IITs

Ans: Hello;

What is the reason for EPS being held-up?

Your employer or EPFO should clarify to you on this aspect.

Based on the reason we can take corrective steps to clear the matter.

Composite claim form(CCF), aadhar and non aadhar type, both are available on epfo portal. It has replaced the earlier form no. 19, 10 C and 31.

Best wishes;

Ans: Your daughter is interested in pursuing a career in Mathematics or Economics, which offer exciting opportunities and a variety of educational pathways. She can choose from the Science Stream (Mathematics Focus) or the Commerce Stream (Economics Focus), depending on her interests and aptitude.

An option for her is to choose Science with Mathematics in 11th and 12th grade, which will provide a strong foundation in math. After completing 12th Science with Mathematics, she can pursue a Bachelor's Degree in Mathematics, such as B.Sc. in Mathematics, B.Tech or B.E. (Engineering), or a B.Tech in Computer Science, Information Technology, or Electronics.

Postgraduate courses in Mathematics can lead to M.Sc. in Mathematics or Applied Mathematics, or M.Tech in Data Science or Computer Science. Other career paths in Mathematics include Actuarial Science, Data Science/Analytics, and pure mathematics/research.

In Economics, she can pursue Commerce with Economics in 11th and 12th grade, followed by a Bachelor's Degree in Economics, a Master of Arts in Economics, or a Master of Science in Economics. Specialized courses in Economics include Econometrics, Public Policy, Finance, and International Organizations/NGOs.

Joint careers in Mathematics and Economics can be pursued through integrated programs like B.A./B.Sc. in Mathematics and Economics, or Actuarial Science/Financial Mathematics. Entrance exams and competitive exams may be required for each path.

Pursuing Mathematics through the Science stream is an excellent path for your daughter, while Economics through the Commerce stream is ideal for those interested in understanding economies and global trends. All the BEST for Your Daughter's Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Ans: Please establish a connection with me via LinkedIn to determine the feasibility. All the BEST for Your Daughter's Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Ans: Amritansh, Just two months ago, I visited the campus of Scalar College in Bengaluru's Electronic City as a 'Career Coach' as one of the invitees to explore the college. Their presentation lasted for more than three hours and it appeared to be a good college. It has a partnership with BITS-Pilani as well. This institution may serve as one of your alternatives. Also, Newton is a viable alternative, as it has a placement rate exceeding 90% and a network of numerous recruiting partners. It is recommended that you personally visit both colleges and engage with the current students to gain a more comprehensive understanding of them in order to make an informed decision. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Ans: Your financial journey so far is impressive. At 32 years, a corpus of Rs. 40 lakhs reflects good planning. Your SIP of Rs. 65,000 per month and asset allocation indicate strong discipline and understanding of investments.

Your current XIRR of 17.2% is exceptional, suggesting an effective fund selection. Maintaining this momentum will help you build substantial wealth.

Growth Potential Over the Next 20-30 Years
Power of Compounding

Compounding over 20-30 years can multiply wealth significantly.
Your disciplined SIP approach amplifies this effect.
Corpus Growth Projections

If your XIRR sustains near 17%, your corpus can grow exponentially.
Over 20 years, it may cross Rs. 10-12 crores.
In 30 years, this could grow beyond Rs. 30-40 crores.
Consideration for Realistic Returns

Sustaining 17% XIRR may be optimistic in the long term.
A realistic expectation of 12-15% still ensures significant growth.
Factors Influencing Your Future Corpus
Market Volatility

Equity-heavy portfolios are prone to short-term fluctuations.
Maintain your long-term perspective to overcome these.
Asset Allocation Discipline

Your 84% equity allocation is ideal for long-term goals.
Rebalance annually to maintain this allocation.
Economic Growth and Inflation

India's economic growth supports equity performance.
High inflation demands better returns to preserve purchasing power.
SIP Increments

Increasing SIP annually can enhance corpus growth.
A 10% increment every year could add several crores.
Importance of Diversification
Large, Mid, and Small-Cap Allocation

Your 58% large-cap, 27% mid-cap, and 15% small-cap allocation is balanced.
This mix ensures stability and growth potential.
Hybrid and Debt Funds Role

Your 10% debt allocation cushions against market volatility.
Hybrid funds offer consistent returns with lower risk.
Tax Efficiency in Long-Term Investments
Equity Fund Taxation

Long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
Factor this in when planning withdrawals.
Debt Fund Taxation

Gains are taxed as per your income slab.
Plan asset allocation changes with tax efficiency in mind.
Enhancing Your Strategy
Emergency Fund

Maintain 6-12 months of expenses in liquid or ultra-short-term funds.
Insurance Review

Ensure adequate term insurance and health insurance coverage.
Goal-Based Investing

Align specific investments to defined goals like retirement or children's education.
Periodic Review

Review fund performance and portfolio allocation annually.
Replace underperforming funds if needed.
Final Insights
Your current portfolio and discipline promise exceptional long-term results. Continue SIPs, periodically increase investments, and review portfolio performance. A realistic approach with a focus on equity can help you achieve remarkable financial milestones over 20-30 years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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