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Trying to Conceive at 37: What are the Chances of My Baby Having Down Syndrome?

Dr Nandita

Dr Nandita Palshetkar  | Answer  |Ask -

Gynaecologist, IVF expert - Answered on Dec 02, 2024

Dr Nandita Palshetkar is the medical director of Bloom IVF.
She is a pioneer in ICSI, laser hatching, spindle view, oocyte and embryo freezing, IMSI, in vivo vaginal culture, metabolomics, embryoscope and spindle check technologies.
With over 30 years of experience, Dr Nandita is managing 10 centres across India.
She has written over 100 papers, edited 25 books and given over 1,000 lectures and speeches.
She has also won several prestigious awards, including the Dronacharya Award (2021), the Bharat Gaurav Award at the House of Commons in London (2014) and the Inspiring Gynaecologists of India (2018) to name a few.
Dr Nandita completed her MBBS from Grant Medical College and Sir J J Hospital, Mumbai, and her MD in obstetrics and gynaecology from Mumbai University."... more
Asked by Anonymous - Nov 28, 2024Hindi
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What are the chances of your baby having Down syndrome if you conceive after 35? My husband is 39 and I am 37. We are planning to have a baby but I am also worried about these complications. Please help.

Ans: Considering your age 37 and husband 39 and planning to have a baby
The chance of having a child with Down syndrome increases with the mother's age:
Age 25: The chance is about 1 in 1,200
Age 35: The chance is about 1 in 400
Age 40: The chance is about 1 in 100
Age 45: The chance is about 1 in 30
If you're over 35 and thinking about getting pregnant, you can:
Get genetic counseling to learn more about your risk
Get regular checkups
Eat a variety of healthy foods
Get regular exercise and plenty of rest
Avoid smoking, vaping, drinking alcohol, and using cannabis or other drugs
To start folic acid (vit B6 and B 12) and DHA 3 months prior to conception.
Learn about prenatal testing for chromosomal conditions like your gynae will perform serial ultrasound at different trimesters like NT SCAN, anomaly scan, fetal 2 D echo and blood markers like dual marker and NIPT to rule out any form of congenital anomalies.
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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Hi Dr I had my first child at 31. My son is 6 years old now. I would like to try for a second child. Do you think it would be okay? How can I check and ensure I have a healthy pregnancy? Will my age be a factor in the health of the second child?
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Gynaecologist, IVF expert - Answered on Nov 04, 2024

Asked by Anonymous - Oct 10, 2024Hindi
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I am 41 and my husband is 45. After 3 miscarriages, we are having our first baby after 10 years of marriage. I am scared and anxious because of my age. Will there be any complications to the baby? My gynaec has advised some genetic tests but I am worried about the results. How can we ensure to have a safe delivery for a healthy baby?
Ans: Since you are 41 years old, had three previous miscarriages, and were conceiving after ten years, there were certain measures that needed to be taken.
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7) To practice meditation yoga. Breathing techniques to preserve mental health
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What are possibilities of getting maintenance for a working woman (with a kid) from husband . My husband has abandoned us since birth of my daughter 4years. Not taking the child's responsibility. Husband says as I am earning I should take care of financial requirement of the child too. I am doing extra duties/ work just to take care of my daughter's education and future. As I am a healthcare professional my work consists of night duties. These duties are taking toll on my health and also my daughter's . People are saying as I am a working woman I can't claim maintenance from husband. But taking care of young child is more difficult with working. I just can't leave my job , just to show nil income to claim maintenance as no one is there to support me and my daughter. Hiring a nanny , maid etc along with rent comes around 85k per month apart from school expenses. As I live in metropolitan city. Husband earns more than me but transfers money to his mother's account.He has taken me granted financially since marriage.Not able to save anything for the future. Don't have any property on my name .
Ans: Dear Anonymous,
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Hello sir, I am planning to buy a flat, with some stock sale proceeds and bank loan. Can I claim section 54F, for the entire registration amount for a flat, along with registration fee ? Or bank loan part is not considered
Ans: Eligibility for Section 54F
Section 54F provides capital gains exemption when selling assets like stocks.
You must invest the full net sale proceeds in a residential property.
The new flat must be purchased within two years or constructed within three years.
You should not own more than one residential house at the time of sale.
Treatment of Bank Loan Under Section 54F
Exemption applies only to the portion funded by stock sale proceeds.
The bank loan portion is not considered for exemption.
You need to invest the entire net sale proceeds to claim full exemption.
Registration Charges and Stamp Duty
Registration charges and stamp duty qualify as part of the property cost.
These expenses can be included for exemption under Section 54F.
However, only the part paid from capital gains is eligible.
Ensuring Full Exemption
If you reinvest only part of the net sale proceeds, the exemption is partial.
Any remaining capital gain will be taxed.
To avoid tax, the full capital gain amount must be reinvested.
Tax Implications If Conditions Are Not Met
If you sell the new property within three years, the exemption is reversed.
The capital gain becomes taxable in the year of sale.
Ensure compliance with all conditions to retain tax benefits.
Alternative Planning Strategies
If full reinvestment is not possible, consider capital gains bonds.
These bonds provide an alternative exemption under Section 54EC.
This helps in tax-efficient planning while keeping liquidity options open.
Final Insights
Section 54F helps save tax if proceeds are fully reinvested.
The bank loan portion does not qualify for exemption.
Registration costs can be included but only if paid from capital gains.
Ensure compliance to avoid future tax liabilities.
Best Regards,

K. Ramalingam, MBA, CFP

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www.holisticinvestment.in

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