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Dr Hemalata Arora | Answer |Ask -Follow

General Physician - Answered on Jul 31, 2023

Dr Hemalata Arora is a senior consultant who practises internal medicine at Mumbai’s Nanavati Max Super Speciality Hospital.
In a career spanning over 24 years, she has focused on managing infectious diseases, critical illnesses and lifestyle disorders.
Dr Arora completed her MBBS and MD from the King Edward Memorial Hospital and Seth Gordhandas Sunderdas Medical College in Mumbai.
She is ECFMG certified, accredited by the American Board of Internal Medicine, Diplomate of the National Board and a DNB faculty.
She was honoured with the Paul Bunn award for her promising performance in the field of infectious diseases at SUNY Upstate Medical University, New York.... more

Asked by Anonymous - Jul 20, 2023Hindi

Health

sir, i am type II diabetic since 2018, how can one control sweet craving

Ans: Sweet craving is increased on eating sweets actually. If you cut of all sweet substances with a little will power for about 3-4 weeks then you will have much less cravings. Also, sometimes as a substitute you can have very mildly sweet substances like citrus fruit or dry coconut.

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.

You may like to see similar questions and answers below

Komal Jethmalani |374 Answers |Ask -Follow

Dietician, Diabetes Expert - Answered on Nov 26, 2020

Question by Kavita - Nov 26, 2020Hindi

Health

Dear KomalI am 32 and I have diabetes.I am 5.5 feet tall and 75 kilos.I love sweets and can’t live without eating something sweet twice a day.How can I eat sweets and still take care of my health?Kavita Bhaskar

Diabetes means control over simple carbohydrates which is primarily sugar.

You must understand that if carbs intake is not in control, your blood sugar levels will shoot up and can cause severe complications.

If you must have sweets, have healthy sugars from dates, fruits, jaggery, dry fruits, nuts, etc, but in small portion sizes.

Exercise regularly and boost your metabolism with a balanced diet having good fibre and complex carb content.

Sleep well and be focused on improving your health.

Dr Hemalata Arora | Answer |Ask -Follow

General Physician - Answered on Jul 05, 2023

Asked by Anonymous - Jun 26, 2023Hindi

Health

Hi i am a Diabetic age 46 please advise how to control sugar level suffering from last 15+ years ?

Ans: Hello. Diet, exercise, good sleep and some medications.
Diet: low carb as much as possible. Avoid any packaged or processed foods/ artificial foods.
Exercise: 45 kin to 1 hour daily moderate exercise, 2 days a week strength training
Sleep: 6-8 hours daily.
Stress relief: yoga, meditation, hobby
Medications: As prescribed by your doctor with regular checkup at least once in 3 months.

Shreya Shah |110 Answers |Ask -Follow

Nutritionist, Diabetes Educator - Answered on Mar 22, 2024

Asked by Anonymous - Feb 29, 2024Hindi

Health

Hi I am 54 years old and diabetic since last 6 years. Despite of regular medicine, walk & avoiding sweet intake, My sugar level stays around 200-250. I m taking medicine i.e. Azulix mf3 & 500 (Before breakfast) , Jalra 50+1000 ( After Lunch) and Trivolib 2mg. My weight is 84 Kg and Height is 5'11". Please suggest the corrective steps.

Ans: -More home cooked meals
- Avoid sugar, honey & jaggery in the diet
- Protein with every meal, reduce the carb intake(roti/ rice)
- Exercise regularly
- Post meal -15-20min of relaxed walk
- Quality sleep - 7-8hrs/day
- Manage stress

Dr Chandrakant Lahariya | Answer |Ask -Follow

Diabetologist, Consultant Physician, Vaccine Expert - Answered on Dec 05, 2024

Asked by Anonymous - Dec 03, 2024Hindi

Health

Sir, in spite of medicine, lifestyle changes I m unable to get control over sugar levels. Please advise

Ans: Please provide more details on your health issues so I can advise specific things.

Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice,
Safdarjung Enclave, New Delhi

Latest Questions

Ramalingam Kalirajan |7913 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 08, 2025

Asked by Anonymous - Feb 06, 2025Hindi

Money

I want to retire this year. I am 41. My current corpus 1.2 crore MF, 30 lakh in PF. We live with parents in our own house in Bangalore valued at Rs 1.5 crore. I have a home loan EMI of 35000 that will end in 2032. Monthly expenses 35-40k. Mu wife takes home tuitions and earns Rs 25,000 per month.

Ans: Retiring at 41 is a bold decision. You have built a decent corpus. But early retirement requires careful planning. Let’s analyse your financial situation and create a sustainable plan.

Current Financial Position
Mutual Funds: Rs 1.2 crore
Provident Fund: Rs 30 lakh
Total Corpus: Rs 1.5 crore
Home Loan EMI: Rs 35,000 per month (ending in 2032)
Monthly Expenses: Rs 35,000 to Rs 40,000
Wife’s Income: Rs 25,000 per month
House Value: Rs 1.5 crore (not considered for expenses)
You have a strong foundation. But your corpus must last for decades. Let’s optimise your investments for steady income and growth.

Key Challenges in Early Retirement
Long Retirement Period: You need funds for 40+ years.
Inflation Risk: Expenses will rise every year.
Home Loan: EMI will continue for 8 more years.
Market Volatility: Equity investments will fluctuate.
Medical Expenses: Health costs will increase with age.
A structured approach will help you retire securely.

Managing Monthly Expenses
Your expenses: Rs 35,000 to Rs 40,000 per month.
Wife’s tuition income: Rs 25,000 per month.
Shortfall: Rs 10,000 to Rs 15,000 per month.
Your investments must cover this shortfall and future expenses.

Investment Strategy for Sustainable Income
Your portfolio must balance growth and stability.

Equity Mutual Funds (40-50%)

These will provide long-term growth.
Withdraw only when needed.
Keep a mix of large-cap, flexi-cap, and mid-cap funds.
Debt Mutual Funds (30-40%)

These will provide stability and regular income.
Choose short-duration or corporate bond funds.
Withdraw from this segment first before selling equity.
Fixed Deposits & Bonds (10-20%)

Invest in FDs or government bonds for emergencies.
Avoid locking all funds in long-term deposits.
Emergency Fund (Rs 5-7 lakh)

Keep 12-18 months of expenses in a liquid fund.
This ensures you don’t sell investments during market crashes.
This strategy ensures growth, liquidity, and stability.

Handling Your Home Loan
EMI is Rs 35,000 per month till 2032.
Wife’s income covers most of it.
Instead of full prepayment, make partial prepayments.
Use surplus funds or bonuses to reduce interest.
This will free up cash flow for future needs.
Avoid using all your corpus to close the loan. Investments will generate higher returns.

Medical Insurance & Health Planning
Buy a family floater health insurance of Rs 15-20 lakh.
Ensure it includes critical illness coverage.
Consider a super top-up plan for added coverage.
Keep Rs 5 lakh in a separate medical emergency fund.
Medical costs can drain savings. A strong health cover is essential.

Tax Planning for Retired Life
Mutual fund withdrawals attract capital gains tax.
Equity LTCG above Rs 1.25 lakh is taxed at 12.5%.
Debt mutual fund withdrawals are taxed as per your income slab.
Use systematic withdrawals to manage tax efficiently.
Utilise tax-free PPF withdrawals after maturity.
A tax-efficient withdrawal strategy will help maximise savings.

Income Generation During Retirement
Systematic Withdrawal Plan (SWP) from Mutual Funds

Set up SWP from debt mutual funds for regular income.
Withdraw from equity only when markets are high.
Part-Time Work Opportunities

Your wife earns Rs 25,000 from tuition.
Consider online consulting or freelance projects.
Even Rs 10,000 extra per month can reduce portfolio withdrawals.
A small active income will make your corpus last longer.

Inflation-Proofing Your Future
Expenses will double in 15-18 years.
Keep 40-50% of your portfolio in equity for long-term growth.
Review your portfolio every year and rebalance.
Adjust withdrawals based on market conditions.
Long-term sustainability is key for early retirees.

Final Insights
Your corpus is decent, but early retirement needs discipline.
Don’t use all savings to close the home loan.
Invest in a balanced mix of equity, debt, and fixed-income assets.
Plan systematic withdrawals to manage cash flow and taxes.
Health insurance and emergency funds are essential.
Keep some part-time income to reduce financial pressure.
Revisit your financial plan every year.
A well-structured plan will help you retire peacefully at 41.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Radheshyam Zanwar |1179 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 08, 2025

Asked by Anonymous - Feb 08, 2025Hindi

Hi I scored 62% but in pcb I scored 139 I want to give neet this year and than in July I will give class improvement hsc can I fill form now for neet

Ans: Hello dear.
Yes. You can appear for NEET 2025. Fill the form with utmost care.
But the question is, if you scored 62% in Board Exams, why should you appear for class improvement again? You did not mention the reason for that.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Milind Vadjikar |988 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 07, 2025

Asked by Anonymous - Nov 24, 2024Hindi

Sir, i am planning to quit my job from an mnc and have no plans to work in any company.(planning to start business). Currently I have PF balance of 25 lakhs and wanted to know if its beneficial for me to keep my PF balance in the same account for 3 years (until it earns interest) or should i keep it for more than 5 years(to avoid tax)? Please let me know if i can still earn interest even after account becomes inactive/dormant after 3 years? Total service : 15 years Age:40 Is the entire principal and interest tax free if I keep the amount in pf account for more than 5 years post retirement?

Ans: Hello;

As per EPFO rules an account is deemed dormant if it has no contribution (except interest) for 36 months consecutively.

However due to request from members, EPFO has a current policy to pay interest upto member age 55 followed by 3 grace years i.e. upto age 58.

Yes both interest and principal are tax free.

Best wishes;

Milind Vadjikar |988 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi

Money

Sir my husband have a policy1997 and he lapsed it, now he is no more. I got the policy original now, Iam the nominee, can I get the money in our policy?

Ans: Hello;

You may check with the insurance company.

Quite likely the policy may have been converted into a paid up policy with a reduced sum assured commensurate with the number of premiums paid.

Best wishes;

Dr Dipankar Dutta |751 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 07, 2025

Question by Touqeer - Dec 06, 2024Hindi

I am a cse btech 3rd year student from tier 3 college and my cgpa is very low , currently in 6th sem, I am very depressed about what should I do know whether I should be considering on skills but there is 0 onn campus placement no company visits there .2nd option is that I will study for Gate exam for mtech but the problem is that I have low cgpa can I get admission then if I clear the gate

Ans: If you can score high in GATE then you can get admission in good engineering college with scholarship.

Pushpa R |50 Answers |Ask -Follow

Yoga, Mindfulness Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 06, 2025Hindi

Health

Hello Yog Guru, I am (self) practising BASIC yoga since 2021. Every time I do the asanas I develop acute acidity and the same troubles me for 1-2 months. Remedial measures :- I follow medications, stop yoga and the issue is resolved. Should I give up yoga or is there any specific asanas that will not create acidity issues? Pls advise Thanks Tushar

Ans: It’s great that you have been practicing yoga since 2021. However, if yoga is triggering acidity, it means that some postures or your practice routine may not be suitable for your body.

Why is Yoga Causing Acidity?
Practicing on an empty or full stomach – Yoga is best done 2-3 hours after a meal.
Wrong postures – Some asanas (like deep backbends) can put pressure on the stomach, increasing acidity.
Holding breath – Improper breathing can disturb digestion.
Intense practice – Overstretching may trigger stress, which worsens acidity.
What to Do?
? Gentle Asanas: Vajrasana (after meals), Supta Baddha Konasana, and Marjaryasana-Bitilasana (Cat-Cow) help digestion.
? Avoid: Deep backbends and intense forward bends immediately after meals.
? Focus on Breathwork: Practice Nadi Shodhana (Alternate Nostril Breathing) and Sheetali Pranayama to cool the body and reduce acidity.
? Stay Hydrated: Drink warm water to support digestion.

Guidance Matters!
Practicing alone may cause incorrect posture or breathing habits. A yoga coach can guide you on asanas that suit your body and help avoid discomfort. Don’t give up yoga—just modify your practice with expert guidance!

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

Ramalingam Kalirajan |7913 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 07, 2025Hindi

Money

I have invested 25k each in the following via Lump sum sometime in August and it's return is negative but I am not worried as I always the market works that's how - Quant Multi asset fund direct - 25k (invest 1k since then) Quant large and mid cap direct - 25k (invest 1k since then) Motilal Oswal midcap fund direct - 25k (invest 1k since then) Hdfc dividend yield fund 2k every month. Should I continue to invest 1k as I don't need this money for at least 5 years and add the mentioned amount every month. Please advise. Thank you

Ans: You have chosen a disciplined approach to investing. Market fluctuations are normal, and patience is key. Since your investment horizon is five years, your strategy must be optimized.

Reviewing Your Current Portfolio
Your investments are spread across different fund categories.

Equity markets can be volatile in the short term.

Over five years, equity funds can deliver strong returns.

Continuing SIP Investments
SIP investments reduce risk through cost averaging.

Investing consistently helps in long-term wealth creation.

You should continue your SIPs as planned.

Assessing Fund Selection
Multi-asset funds provide diversification but may have lower returns.

Large and mid-cap funds balance growth and stability.

Mid-cap funds have high growth potential but higher risk.

Dividend yield funds provide stability with lower volatility.

Portfolio Optimization
Too many funds can create overlap.

A balanced mix of large-cap, mid-cap, and multi-asset funds is ideal.

You may consolidate some funds for better performance.

Monitoring and Adjustments
Review your portfolio every year.

Rebalance if any fund consistently underperforms.

Avoid reacting to short-term market movements.

Final Insights
Continue SIPs to benefit from market growth.

Diversify wisely but avoid too many funds.

Review performance yearly and make necessary changes.

Stay invested with a long-term perspective.

Keep emergency funds separate from your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |7913 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Feb 02, 2025Hindi

Money

What are the best ways to invest for a child, not aware of it's a boy or girl at this time. Investment should take care of education preferably getting some returns at a fixed time interval so that it take care of educational expenses at several stages. Also something for marriage or for further education.

Ans: Investing for a child’s future is a great decision. You need a structured plan. Your investment should cover education at different stages. It should also provide funds for higher education or marriage. A mix of investment options will ensure stable and timely returns.

Understanding Financial Goals for the Child
The first goal is school education expenses.

The second goal is higher education at 18 years.

The third goal is marriage or further studies after 22 years.

Investments should align with these timelines.

Investment Strategy for School and Higher Education
Education costs rise every year due to inflation.

A long-term investment approach will help in wealth creation.

Investments should give returns at different stages.

Equity Mutual Funds for Long-Term Growth
Equity mutual funds provide high returns over long periods.

They help in building a strong education fund.

Actively managed funds perform better than index funds.

SIPs ensure regular contributions with rupee-cost averaging.

Debt Mutual Funds for Stability
Debt mutual funds provide low-risk returns.

They are useful for short-term education needs.

Withdrawals are easier compared to FDs.

Hybrid Mutual Funds for Balanced Growth
These funds combine equity and debt.

They provide stable returns with controlled risk.

Suitable for medium-term goals like college fees.

Systematic Withdrawal Plan (SWP) for Regular Payouts
SWP helps in getting a fixed amount at regular intervals.

You can plan withdrawals for school and college fees.

It ensures cash flow without disturbing long-term investments.

Gold for Future Expenses
Gold investments can be used for marriage expenses.

Gold ETFs and digital gold are better than physical gold.

They are safe and do not have storage risks.

Insurance for Child’s Financial Security
A term insurance plan is essential.

It ensures financial stability in case of uncertainties.

Do not mix insurance with investment.

Tax Considerations
LTCG above Rs 1.25 lakh on equity mutual funds is taxed at 12.5%.

STCG is taxed at 20%.

Debt mutual fund gains are taxed as per the income slab.

Final Insights
Start early to maximize returns.

Choose investments based on different education stages.

Use SWP for regular payouts during school and college.

Ensure term insurance for financial security.

Avoid insurance-linked investment plans.

Keep reviewing and adjusting investments as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ramalingam Kalirajan |7913 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Question by Puneet - Feb 02, 2025Hindi

Money

I am 27 years old with 2 cr corpus to invest planning to retire at the age of 35 can realistically consider??

Ans: Retiring at 35 is an ambitious goal. With Rs. 2 crore, it is possible but challenging. You need a strong strategy to make your corpus last a lifetime.

Key Factors to Consider
Inflation Impact
Inflation reduces the value of money over time.

Expenses today will be much higher in the future.

Your investments must grow faster than inflation.

Retirement Period
If you retire at 35, you need income for 50+ years.

A safe withdrawal rate is important.

Poor planning can lead to financial stress later.

Current and Future Expenses
List all your current expenses.

Add future costs like medical, travel, and lifestyle.

Adjust for inflation to get a realistic estimate.

Investment Allocation
Your corpus must be invested wisely.

A mix of equity, debt, and liquid funds is essential.

Equity gives growth. Debt provides stability.

Investment Strategy for Early Retirement
Growth-Oriented Investments
Invest a major portion in actively managed mutual funds.

Equity funds offer high long-term returns.

Select funds with strong historical performance.

Stable Income Investments
Allocate some funds to debt instruments.

Debt investments reduce market risk.

They provide stable returns for regular expenses.

Emergency Fund
Keep at least 2-3 years of expenses in safe investments.

Liquid funds and fixed deposits are good options.

This ensures financial security during market downturns.

Systematic Withdrawal Plan (SWP)
Use SWP to generate monthly income.

Withdraw only a small percentage yearly.

This helps preserve your corpus for longer.

Risks and Challenges
Market Volatility
Stock markets go through ups and downs.

A market crash can impact your investments.

Long-term focus is necessary.

Medical Expenses
Healthcare costs will rise over time.

Ensure you have sufficient health insurance.

Consider a separate fund for medical needs.

Lifestyle and Unexpected Costs
Early retirement may bring unexpected expenses.

Keep a buffer for such situations.

Avoid unnecessary spending in early years.

Alternative Options
Semi-Retirement
Instead of full retirement, consider part-time work.

This reduces financial pressure.

You can still enjoy financial independence.

Passive Income Sources
Explore ways to generate passive income.

Freelancing, consulting, or business investments can help.

This ensures your corpus lasts longer.

Finally
Retiring at 35 is possible but risky.

Your corpus must grow and last for decades.

Plan carefully to avoid financial stress later.

Maintain a good balance of growth and stability.

Consider semi-retirement or passive income sources.

A well-planned strategy will ensure a worry-free future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7913 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 07, 2025

Asked by Anonymous - Jan 30, 2025Hindi

Money

I am 45 years old Government Servant. I am planning to take VRS . My corpus after retirement will be 2.0 Cr and monthly pension of 1.5 lacs. I have 2 children , son and daughter 17 yrs and 12 yrs old. I have my own house and no loans. Should i proceed with Retirement

Ans: Taking Voluntary Retirement (VRS) is a big decision. You have built a strong financial foundation. Your pension and corpus give you security. However, early retirement needs careful planning. Let’s analyse all aspects before making a final decision.

Financial Strength After Retirement
Your corpus of Rs 2 crore is a good base.

A monthly pension of Rs 1.5 lakh ensures a steady cash flow.

No loans and a self-owned house reduce financial burden.

Your current financial position looks stable.

Monthly Expenses Assessment
Calculate your family’s monthly expenses.

Include household costs, medical needs, travel, and lifestyle.

Check if Rs 1.5 lakh pension covers all future expenses.

Consider rising costs due to inflation.

Children’s Education and Future Needs
Your son is 17 years old and will soon enter higher education.

Your daughter is 12 years old and also has upcoming education needs.

Estimate future education costs for the next 10-15 years.

If required, allocate a part of Rs 2 crore corpus for education.

Medical and Health Security
Medical expenses increase with age.

Ensure you have a good health insurance policy.

Keep a medical emergency fund separate.

Investment Strategy for Corpus
Equity Mutual Funds (40%-50%)

These give higher returns over long periods.
Ideal for growing wealth beyond pension income.
Actively managed funds perform better than index funds.
Debt Mutual Funds (30%-40%)

These provide stability and liquidity.
Useful for short-term goals and emergencies.
Returns are better than fixed deposits.
Hybrid Mutual Funds (10%-20%)

These balance risk with growth.
Helps in generating consistent income.
Tax Implications on Investments
Equity Mutual Funds

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Mutual Funds

Gains are taxed as per your income slab.
Plan investments to minimise tax impact.

Alternative Income Options
Consider part-time consultancy or freelancing.

This will keep you engaged and provide extra income.

Passive income from investments also helps.

Should You Proceed with VRS?
If your expenses and goals fit within Rs 1.5 lakh pension, VRS is feasible.

If education and future costs are uncertain, continue working.

If you retire now, invest wisely to maintain financial security.

Final Insights
Your financial position is strong.

Plan children’s education and medical costs before deciding.

Invest wisely to ensure wealth growth post-retirement.

Consider part-time work for additional security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

See more questions »

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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