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Dr Karthiyayini Mahadevan |920 Answers |Ask -Follow

General Physician - Answered on Oct 24, 2023

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

Question by v on Oct 05, 2023Hindi

Health

Vericose in my both legs. Can I get cured through homeopathy

Ans: Not really
Varicose vein happens due to long standing profession, weak calf muscles and non patent venous valves.
This needs lifestyle correction and stocking usage and toning up calf muscles in early stage
In advanced, this, needs surgical correction

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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Nidhi Gupta |161 Answers |Ask -Follow

Physiotherapist - Answered on Feb 24, 2023

Question by ARVIND - Feb 22, 2023Hindi

Health

I AM MANI .I HAVE VERICOSE VEINS IN BOTH MY LEGS DOCTORS HAVE SUGGESTED NOT TO GO FOR SURGERY.BUT I HAVE SEVERE PAIN IN BOTH LEGS ANALGESICS ARE OFFERING TEMPORARY RELIEF

Ans: Hello Arvind,
Certain nutrition guidelines, therapeutic yoga and some physiotherapy exercises can help.
So you can probably take the guidance of a wellness coach if not taken already.
Certain kinds of leg stocking also help in varicose veins.
Are you doing any exercises for it already?

Dr Karthiyayini Mahadevan |920 Answers |Ask -Follow

General Physician - Answered on Jul 02, 2023

Question by VENKAT - Jun 26, 2023Hindi

Health

Dear Dr. I'm 62 years old I have vericose in both legs. Is there any method by curing through excercise or tablets Kindly advice Rgds Ram

Ans: One of the reasons, Varicose veins happen is due to calf muscles not worked out,
So ankle stretches can address the flow of blood
Also wear a stocking always during the day except while lying down.

Rebecca Pinto |107 Answers |Ask -Follow

Physiotherapist, Nutritionist - Answered on Feb 08, 2024

Question by VENKAT - Sep 14, 2023Hindi

Health

i have vericose veins in my both legs can it be cured by excercise

Ans: Yes, it can be managed but not cured. It’s best to get your scans to a physio so they can identify the case better in person

Dr Karthiyayini Mahadevan |920 Answers |Ask -Follow

General Physician - Answered on Oct 27, 2023

Question by v - Oct 05, 2023Hindi

Health

Can homeopathy medicines can cure varicose veins without any side effectx

Dr Karthiyayini Mahadevan |920 Answers |Ask -Follow

General Physician - Answered on Jun 12, 2024

Asked by Anonymous - Nov 07, 2023Hindi

Health

Past 34yrs i am suffering with vericose vein with non healing ulcer on left leg near ankle, very painful,i am unable to work,pls advise

Ans: You need to use stockings regularly and exercise your calf muscles
Please consult a vascular surgeon

Latest Questions

Ramalingam Kalirajan |5372 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 17, 2024Hindi

Money

I am 40, can invest 3L per year. How can I plan my retirement after 55 years.

Ans: Current Situation
Age: 40 years
Investment Capacity: Rs. 3 lakhs per year
Retirement Goal: Retire after 55 years
Investment Planning
Assessing Retirement Needs
Estimate Retirement Expenses: Calculate expected monthly expenses post-retirement. Consider inflation and lifestyle changes.

Retirement Corpus: Determine the corpus needed to sustain your retirement lifestyle.

Diversified Investment Strategy
Mutual Funds: Allocate a significant portion to diversified equity mutual funds. These funds offer growth potential.

PPF and EPF: Continue contributing to PPF and EPF for stable and tax-free returns.

NPS: Invest in the National Pension System (NPS) for additional retirement security. It offers tax benefits and a mix of equity and debt.

Active Fund Management
Advantages of Actively Managed Funds
Professional Management: Active funds are managed by experts. They can adapt to market changes.

Better Returns: These funds often outperform index funds. They provide better growth potential.

Disadvantages of Index Funds
Lack of Flexibility: Index funds track the market. They don't adapt to market changes.

Lower Returns: Actively managed funds usually offer higher returns. They can capitalize on market opportunities.

Importance of Regular Funds
Benefits of Investing Through MFD with CFP
Expert Guidance: MFDs and CFPs provide professional advice. They help in selecting and managing the best funds.

Regular Monitoring: Regular funds are monitored and adjusted as needed. This ensures your portfolio stays aligned with your goals.

Disadvantages of Direct Funds
Time-Consuming: Direct funds require more time and knowledge. You need to manage them yourself.

Higher Risk: Without expert guidance, the risk of poor investment decisions increases.

Additional Strategies
Systematic Investment Plan (SIP)
Regular Investments: Invest Rs. 25,000 per month through SIPs. This helps in rupee cost averaging and reduces market timing risk.
Emergency Fund
Liquidity: Maintain an emergency fund. This should cover at least 6 months of expenses. It ensures you don't dip into retirement savings for emergencies.
Insurance
Adequate Coverage: Ensure you have sufficient life and health insurance. This protects your corpus from unexpected expenses.
Monitoring and Review
Regular Review: Periodically review your portfolio. Make adjustments based on market conditions and personal circumstances.

Rebalancing: Rebalance your portfolio to maintain the desired asset allocation. This ensures optimal risk-return balance.

Final Insights
Investing Rs. 3 lakhs annually with a diversified and actively managed strategy can help you achieve a comfortable retirement. Regular reviews and professional guidance are essential to stay on track and adapt to changes.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |5372 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Question by Amit - Jul 17, 2024Hindi

Money

Hi sir, My age is 50 . I have around 35 lacs in Mutual funds and in stocks approx at 50:50 ratio . My stocks are not appreciating well as compared to mutual funds . As I am not able to keep myself updated in stocks as having my busy schedule from 9:00am to 8:00pm. Besides this I have a saving of 30 lacs in PF and PPF . Besides this I had some savings in postal fixed deposit which is going to be matured in next 4 months and the matured amount is around 60 lacs . I wanted to invest this amount in some mutual funds or with some savings instrument having an appreciation of approx 13-15 % .Pls guide me how should I invest this fund ? If you suggest for mutual fund , then pls suggest the fund types , and should I invest in lumpsum or SIP. If I am going for SIP. , then in how many months or weeks should I invest this total fD matured amount ? I am at present working in a private company with a monthly in-hand salary of 1.5 lacs .and I have no liability for next 8-9 years .

Ans: Current Financial Situation
At age 50, you have Rs. 35 lakhs in mutual funds and stocks, split evenly. Your stocks are not performing well. Your busy schedule from 9:00 am to 8:00 pm makes it hard to manage your stocks.

You also have Rs. 30 lakhs in PF and PPF, and Rs. 60 lakhs in a postal fixed deposit maturing in four months.

Your monthly in-hand salary is Rs. 1.5 lakhs, and you have no liabilities for the next 8-9 years.

Investment Goals
You aim to invest the Rs. 60 lakhs maturing from the fixed deposit. You seek an appreciation of 13-15% per annum.

Assessment of Current Strategy
Mutual Funds vs. Stocks
Your mutual funds are performing better than your stocks. Mutual funds are managed by professionals, offering better returns for those with limited time.

Existing Investments
Your PF and PPF provide stability and tax benefits. These are good for long-term security but offer lower returns compared to equity investments.

Recommendations for Improvement
Increase Mutual Fund Investments
Given your busy schedule, mutual funds are a better option than direct stocks. They are professionally managed and require less personal attention.

Types of Mutual Funds
Equity Mutual Funds: These funds have the potential for higher returns, aligning with your goal of 13-15% appreciation.
Actively Managed Funds: These funds can outperform index funds due to active management by professionals.
Investment Strategy
SIP vs. Lumpsum: Investing in mutual funds via SIPs helps mitigate market volatility. It averages the purchase cost over time.
Investment Period: Consider spreading the Rs. 60 lakhs investment over 12-18 months through SIPs. This approach reduces the risk of market timing.
Diversify Your Portfolio
Diversification: Invest in different types of equity mutual funds. This includes large-cap, mid-cap, and small-cap funds. Diversification reduces risk and can provide better returns.
Review and Adjust Regularly
Portfolio Review: Regularly review your investments. Adjust your portfolio based on performance and changes in your financial goals.
Consult a CFP: A Certified Financial Planner can help tailor your investment strategy to meet your specific goals and risk tolerance.
Final Insights
Your current investment strategy is good but can be improved. Shift your focus from direct stocks to mutual funds for better management and returns.

Invest the Rs. 60 lakhs from the maturing fixed deposit in equity mutual funds through SIPs over 12-18 months. This approach will help you achieve your target returns while reducing risk.

Ensure regular reviews and adjustments to your portfolio. Diversify your investments to manage risk effectively.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Ramalingam Kalirajan |5372 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Question by Roshan - Jul 17, 2024Hindi

Money

I am 25. I am investing 12.5k in HDFC Nifty 50 index fund, 10k in Parag Parikh Flexi cap, 10k in Quant Small Cap, 12.5k in ICICI nasdaq 100 index fund. Will this be good for a long term investment? What should I change in my portfolio? By what % should I increase my investment?

Ans: Your investment journey at 25 is commendable. Let's evaluate your portfolio and suggest improvements.

Current Portfolio Assessment
Investments:

Rs 12.5k in HDFC Nifty 50 Index Fund
Rs 10k in Parag Parikh Flexi Cap
Rs 10k in Quant Small Cap
Rs 12.5k in ICICI Nasdaq 100 Index Fund
Benefits of Actively Managed Funds
Limited Returns in Index Funds:

Index funds track the market. They offer average returns.
They lack flexibility. They can’t outperform the market.
Advantages of Actively Managed Funds:

Active funds offer better returns. Fund managers make strategic decisions.
They adapt to market changes. This improves potential gains.
Recommendations for Portfolio Adjustment
Reduce Index Fund Allocation:

Decrease investment in index funds. Focus more on actively managed funds.
Diversify Portfolio:

Add more diversified and balanced funds. This reduces risk and improves stability.
Focus on Long-Term Growth:

Invest in funds with a strong track record. This ensures consistent growth.
Suggested Portfolio Allocation
Equity Funds:

Increase investment in equity funds. This enhances growth potential.
Balanced Funds:

Allocate a portion to balanced funds. They offer a mix of equity and debt.
Diversified Funds:

Add diversified funds. They spread risk across sectors.
Increasing Investment Percentage
Annual Increment:

Increase investment by 10% annually. This helps keep pace with inflation and growth.
Monthly Contributions:

Review your financial status regularly. Increase contributions as your income grows.
Detailed Financial Plan
Investment Review:

Monitor your investments quarterly. Adjust based on performance and goals.
Professional Guidance:

Seek advice from a Certified Financial Planner. This ensures optimal investment strategies.
Long-Term Perspective:

Stay focused on long-term goals. Avoid frequent changes based on market fluctuations.
Disadvantages of Direct Funds
Complex Management:

Direct funds require constant monitoring. This can be time-consuming.
Professional Assistance:

Regular funds offer expert management. This reduces the burden on investors.
Convenience and Expertise:

Investing through a Certified Financial Planner ensures professional oversight. This improves returns and reduces risks.
Final Insights
Disciplined Investing: Consistent and strategic investments are key.
Professional Advice: Certified Financial Planners offer valuable guidance.
Future Planning: Always plan for future needs and adjust your investments accordingly.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |5372 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 26, 2024Hindi

Money

Should I continue to invest in Mirae asset large and mid cap fund?it's 40% of my corpus .

Ans: Portfolio Review
Current Allocation: Mirae Asset Large and Mid Cap Fund is 40% of your corpus.

Performance: Review the fund's historical performance. Check its returns, consistency, and risk profile.

Diversification: A single fund making up 40% of your portfolio is a concentration risk. Diversification can help manage this risk.

Diversification and Risk Management
Reduce Concentration Risk: Invest in other funds or asset classes. This can help spread the risk and potentially increase returns.

Active Management: Actively managed funds can provide better returns. Ensure your investments align with your risk tolerance and financial goals.

Alternatives to Index Funds
Actively Managed Funds: These funds often outperform index funds. They offer better growth potential and professional management.

Disadvantages of Index Funds: Index funds track the market and lack flexibility. Actively managed funds can adjust to market changes.

Regular Fund Investments
Benefits of Regular Funds: Investing through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) provides expert guidance. They offer better fund selection and management.

Disadvantages of Direct Funds: Direct funds require more time and knowledge. Regular funds provide professional advice and management.

Investment Strategy
Review and Adjust: Periodically review your investments. Rebalance to maintain your desired asset allocation.

Investment Goals: Align your investments with your long-term goals. Ensure your portfolio is diversified and well-managed.

Final Insights
Reducing the concentration in a single fund can help manage risk and potentially increase returns. Consider diversifying into other actively managed funds. This will align with your financial goals and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |5372 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

Asked by Anonymous - Jul 17, 2024Hindi

Money

Hi I am P Das, 40 yrs old. my monthly in hand salary is 80k. Monthly expenses 40 k. My investment so far PPF 6 lac, NPS 15 lac FD 14 lac, monthly NPS contribution is 18 k with employees and employer both. I want to build a corpous of 3 cr in next 20 yrs. Please suggest

Ans: Das, at 40 years old, your monthly salary is Rs. 80k. Your monthly expenses are Rs. 40k. This leaves you with Rs. 40k for investments and savings.

Your current investments are:

PPF: Rs. 6 lakhs
NPS: Rs. 15 lakhs
FD: Rs. 14 lakhs
Your monthly NPS contribution is Rs. 18k, combining both your contribution and your employer’s.

Financial Goals
You aim to build a corpus of Rs. 3 crores in the next 20 years.

Assessment of Current Strategy
PPF
Your investment in PPF is good for long-term growth and tax benefits. It has a stable interest rate and risk-free returns.

NPS
Your NPS contributions are excellent for retirement planning. NPS offers tax benefits and market-linked returns, making it suitable for long-term growth.

Fixed Deposits
FDs are safe but offer lower returns compared to other investment options. Consider reallocating some of these funds for higher returns.

Recommendations for Improvement
Increase Equity Exposure
Equity investments have the potential for higher returns over the long term. Consider starting SIPs in equity mutual funds.

Diversify Investments
Diversifying your investments helps reduce risk. Apart from PPF and NPS, you can invest in mutual funds and bonds.

Adjust Fixed Deposits
FDs are low-return investments. Reallocate a portion of your FD corpus to mutual funds for better returns.

Consistent Review and Adjustment
Review your investments regularly. Make adjustments based on market conditions and your financial goals.

Mutual Funds
Equity Mutual Funds: Start SIPs in diversified equity mutual funds. These funds have higher growth potential.
Actively Managed Funds: Actively managed funds can outperform index funds due to professional management.
Retirement Planning
Your NPS contributions are excellent. Continue this for a stable retirement corpus. Additionally, allocate funds to mutual funds for diversified growth.

Emergency Fund
Ensure you have an emergency fund. This should cover 6-12 months of expenses and be kept in a liquid asset.

Tax Planning
Maximize your tax-saving investments. Ensure you are using instruments like PPF, NPS, and tax-saving mutual funds.

Final Insights
Your current investment strategy is solid, but can be improved. Increase your equity exposure for higher long-term returns. Diversify your investments to reduce risk. Review and adjust your portfolio regularly.

Start SIPs in equity mutual funds and consider reallocating some FD funds to higher return investments. Maintain an emergency fund and maximize tax-saving investments.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 13, 2024Hindi

Career

Which to choose based on both curriculum and placements,IIT BHU electronics vs IIT Indore EE vs IIT Gandhinagar EE vs IIT Ropar EE

Ans: Prefer IIT-BHU-Electronics. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by SAI - Jul 12, 2024Hindi

Career

Sir; I am interested to study ai but I think I can't join aiml or cse in vit ap bcz my eapcet rank is 5529 then can I join in sreevishnu CSM or csc in vit ap !? Which one is good or can u suggest any other colleges in au region !?

Ans: Sai, prefer VIT-AP. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 12, 2024Hindi

Career

Sir I got ECE in Mahindra University data science in upes Dehradun and Information Technology in Dit Dehradun.i written met exam got 27 rank but manipal jaipur sold there seats So I am hopeless among three which should I prefer and Focus on Master for future

Ans: Prefer UPES. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jun 14, 2024Hindi

Career

Jee main score 76103 crl obc can I got nit

Ans: Will Get, but in Tier-3 NIT/Stream. All the BEST for Your Bright Future.

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Nayagam P P |2569 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Question by Pat - Jul 11, 2024Hindi

Career

I got 93 percentile in jee mains in csab round which clg can i get

Ans: Try Tier 2/3 NITs/GFTIs & be flexible with Streams. All the BEST for Your Bright Future.

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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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