I am 32 and would like to know the following mutual funds are good or not as I am investing in them for more than 5 years around Rs 40,000 each month by SIP mode. Please suggest me if I have to change any. 

• UTI Transportation and Logistics Fund (dividend and growth both) 
• UTI Equity Fund (dividend and growth) 
• UTI Infrastructure Fund (growth) 
• UTI Midcap Fund (growth) 
• UTI MNC Fund (dividend)
• UTI Core Equity Fund (dividend) 
• UTI Value Opportunity Fund (dividend and growth) 
• UTI Arbitage Fund
• UTI Ultra Short-term Fund
• ICICI Pru India Value Opportunity Fund
• ICICI Value Discovery Fund
• ICICI Pru Equity and Debt Fund

Please suggest as I am investing almost Rs 40,000 per month in SIP mode. Whether any change is required or not?  Also suggest the best funds for me as I am thinking for 12 to 20 years. Waiting for your valuable comments  

Ans: Maintaining consistency in diet control and adapting lifestyle modifications is the key to a healthy body. For controlling cholesterol levels, follow a diet rich in fiber which acts as a scavenger to remove accumulated cholesterol in the blood vessels. Thus include fresh fruits, vegetables and whole grains in your daily diet. Inclusion omega 3 fatty acids that help in lowering LDL is helpful. Concentrated foods like sweets, chocolate cakes, pastries, ice creams and fried foods should be avoided. Animal foods, should be restricted in quantity. For lowering blood uric acid levels, avoid meats such as organ meat, seafood and high fructose foods or sweetbreads, which have high purine levels and contribute to high blood levels of uric acid. Limit the intake of vegetables with moderate purine content such as spinach, cauliflower and mushrooms.

Ans: To address your muscle loss, ensure you’re consuming an adequate amount of protein from lean protein sources such as chicken, fish, tofu, legumes, and low-fat dairy products. Your overall caloric intake should be adequate for your profile. Engage in regular resistance training exercises. Strength training helps maintain and build muscle mass. Staying hydrated is crucial for overall health, including muscle function. Consider consulting a registered dietitian to assess your specific energy needs based on your activity level, age, and health status.

Ans: In the unfortunate event of an accident with your Maruti Ertiga, a comprehensive car insurance policy will best serve your interests. Here's why:

Comprehensive Coverage:

• Third-party Liability: This is mandatory by law and covers any injuries or property damage caused to a third party due to an accident involving your car.
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Additional Coverage for Permanent Disability and Hospitalisation:

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Here's what to consider when choosing an insurance provider:

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Consulting a Financial Advisor

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Ans: Yes dietary and lifestyle management along with proper medication is very important!!

Incase of fasting, you need to do it under proper medical guidance!

Ans: - Avoid sugar, honey and jaggery in the diet
- Avoid coconut water, fruit juice and sugarcane juice
- Include protein with every meal(milk, curd, eggs, chicken, fish)
- Early dinner
- Quality sleep
- manage stress

Ans: Please see a Diabetologist!
You will require medicine support along with dietary and lifestyle changes!

Ans: You're doing well. At this point, I recommend maintaining regular visits to your doctor to monitor your heart and blood pressure status.

Ans: Thank you for your questions. I agree with your concerns about posture and its impact on confidence. I recommend consulting a physiotherapist to assess your condition and determine the underlying reasons for forward shoulder posture. Activities that involve prolonged periods of looking down, such as using smartphones or laptops and sitting for extended periods, can contribute to this issue. Stretching and strengthening exercises like Scapular Squeezes, T stretches, shoulder bracing, and shoulder retractions are generally beneficial. Improving ergonomics can also help prevent further deterioration. I wish you a speedy recovery.

Ans: It is high. Need to find the cause and correct it.