Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jun 15, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
vineeth Question by vineeth on Jun 08, 2023Hindi
Listen
Money

Hi Sir I am 34 years old earning aroung 70k/m 16 k savings /month Could you please review my MF portfolio should i make any changes ET money high growth 5k/m started this year DSP Tax saver- started May 2017 3k/m CanRob Tax saver Jan 2021 2k/m quant tax PPFFAS Flexi Started Jan 2021- 2k/m DSP small - lumpsum 160000 DSP quant - lumpsum 105000 Quant small cap 1k/m Motilal Oswal Nasdag 100 FOF 1k/m Motilal Oswal Midcap 1k/m started this year PGIM India Midcap Opportunities Fund Direct-Growth 1k/m started this year SBI Bluechip lumpsum 10000 UTI Mid - July2021 1k/m Stopped DSP Mid - July 2021 1k/m Stopped UTI Flexi - July2021 1k/m stopped PPF 500/m i am planning to stop CanRob Tax saver and start Quant Tax Plan Direct-Growth and start below MFs as well SBI Contra Direct Plan-Growth Mirae Asset NYSE FANG+ ETF FoF Direct - Growth

Ans: As per the data provided by you, I feel that:-

1. You have over diversified your portfolio by investing in so many funds. There seems to be a lot of overlapping in your portfolio. Ultimately equity funds invest in stocks and if your funds are investing in similar stocks, you are not achieving any diversification which you may think you are doing.

2. You also hold multiple ELSS fund which are used for tax benefit purpose and come with lock in for 3 years. If you are solely investing under this for the tax saving then we suggest you to have only one good fund.

Regarding your funds:-

1. DSP Tax Saver Fund, Canara Robeco Tax Saver Fund and Quant Tax plan: These funds have a decent track record in their category. Having one tax saver fund is enough.

2. Parag Parikh Flexi Cap Fund: The scheme is not bound by any market capitalisation. It also has the freedom to invest in stocks listed overseas. Therefore, I would suggest you to continue with this fund.

4. DSP Small Cap & Quant Small Cap : The lump sum investment in this fund indicates a concentrated bet on small-cap stocks. Small-cap funds can be volatile, but they also offer growth potential. Monitor its performance closely and be prepared for potential fluctuations in returns. We recommend you to hold one fund in this category to get the exposure of small cap which is risky in nature as compared to large & mid cap category.

5. DSP Quant Fund: Similar to DSP Small Cap, this fund focuses on quant-based strategies based on macro and micro factors. Evaluate its performance and consider your risk tolerance before making any decisions.

7. Motilal Oswal Nasdaq 100 FOF: The fund invests in international companies and sectors that helps in eliminating the concentration risk. Continue with this fund.

8. Motilal Oswal Midcap, UTI Mid Cap fund, DSP Mid Cap Fund and PGIM India Midcap Opportunities Fund: I recommend you to hold just one fund in this category to get the exposure of mid cap which is risky in nature as compared to large cap category.

9. SBI Bluechip Fund: This lump sum investment in a large-cap fund can provide stability to your portfolio. Continue with it and continue monitoring its performance relative to its benchmark.

10. UTI Flexi Cap Fund: Similar to DSP Mid, assess its performance and alignment with your investment goals, especially since you've stopped investing in it. I recommend you to redeem from this fund once the exit load period is over.

11. PPF: Contributing to PPF is a good long-term savings option due to its tax benefits and guaranteed returns. It's wise to continue investing in it unless you have specific financial goals or liquidity needs but if you have a goal of your retirement then we would suggest you to invest in NPS (National Pension Scheme) instead of this.

Regarding your plan to add SBI Contra and Mirae Asset NYSE FANG+ ETF FoF, it's important to evaluate these funds based on their historical performance, expense ratios, and risk factors. Make sure they align with your investment strategy and risk tolerance before adding them to your portfolio.

I do not recommend you to add more funds in your portfolio as you already have too many funds which you need to cut down on.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2024

Listen
Money
Hi Sir I am 34 years old earning aroung 70k/m 16 k savings /month Could you please review my MF portfolio should i make any changes ET money high growth 5k/m started this year DSP Tax saver- started May 2017 3k/m CanRob Tax saver Jan 2021 2k/m PPFFAS Flexi Started Jan 2021- 2k/m DSP small - lumpsum 160000 DSP quant - lumpsum 105000 Quant small cap 2k/m Motilal Oswal Nasdag 100 FOF 1k/m SBI Bluechip 1k/m UTI Mid - July2021 1k/m Stopped DSP Mid - July 2021 1k/m Stopped UTI Flexi - July2021 1k/m stopped PPF 500/m
Ans: Assessment of Your Mutual Fund Portfolio:

Your Current Holdings:

You've shown commendable discipline in your investment journey with a monthly surplus of Rs. 16,000.
Your portfolio demonstrates a diversified mix of mutual funds across various categories, indicating a thoughtful approach towards wealth accumulation.
It's evident that you've been investing systematically, which is a prudent strategy for long-term wealth creation.
Your allocation to tax-saving funds is strategically aligned with your financial goals, ensuring tax efficiency while building wealth.
Areas of Consideration:

While your portfolio appears well-structured, it's crucial to periodically review and rebalance to align with your evolving financial objectives and market conditions.
The decision to halt investments in certain funds in July 2021 indicates a proactive stance towards optimizing your portfolio.
Lumpsum investments in specific funds indicate confidence in their potential, but it's essential to monitor their performance regularly.
The absence of index funds in your portfolio raises the question of whether you've explored their benefits adequately.
Recommendations:

Regularly reviewing your portfolio's performance and rebalancing it in line with your financial goals is imperative.
Consider diversifying into index funds to harness the benefits of low-cost, passive investing, especially in segments where actively managed funds may underperform.
Direct funds offer lower expense ratios, but investing through a Certified Financial Planner can provide personalized advice and ongoing support, enhancing the overall value of your investments.
In conclusion, your portfolio reflects a disciplined and diversified approach towards wealth creation. However, exploring the benefits of index funds and leveraging the expertise of a Certified Financial Planner could further optimize your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 08, 2024

Asked by Anonymous - May 07, 2024Hindi
Money
Hi Sir I’m 39 Male. I’m investing in MF from start of this year for buying a house and for retirement. I’m planning to invest long for next 15-20 yrs. Also I have 3-4 loans which will get finished next year 2025 end. So I’m planning to start increase my MF amount considerably. Please review my portfolio and let me know if I have to remove, add or make any changes Motilal Oswal Nasdaq 100 fund direct growth 1500 PM UTI Nifty 50 Index Fund 1000 PM ICICI Prudential Bluechip Fund Direct Growth 1000 PM HDFC Balanced Advantage Fund Direct Growth 1000 PM HDFC Midcap Oppurtunities Fund Direct Plan Growth 1000 PM AXIS Small Cap Fund Direct Growth 1000 PM JM Value Fund Direct Growth 1000 PM Parag Parikh Flexi Cap Direct 1000 PM Nippon India Corporate Bond Fund Direct Growth plan 1000 PM P2P investment 3500 PM for 3 yrs at 15% fixed return
Ans: It's excellent to see your commitment towards investing for both short-term goals like buying a house and long-term goals like retirement. Let's review your portfolio and suggest any adjustments:
1. Motilal Oswal Nasdaq 100 Fund Direct Growth: This fund provides exposure to the top 100 companies listed on the Nasdaq stock exchange, offering diversification and growth potential in the global tech sector. It can be a suitable addition for long-term wealth accumulation.
2. UTI Nifty 50 Index Fund: Investing in an index fund like UTI Nifty 50 offers exposure to the top 50 companies in the Indian equity market. It provides stability and diversification, complementing your other equity investments.
3. ICICI Prudential Bluechip Fund Direct Growth: Bluechip funds focus on large-cap stocks with strong fundamentals, making them relatively less volatile. It's a prudent choice for stability and capital preservation.
4. HDFC Balanced Advantage Fund Direct Growth: This fund dynamically manages its equity exposure based on market conditions, offering a blend of growth and downside protection. It can be suitable for investors seeking a balanced approach.
5. HDFC Midcap Opportunities Fund Direct Plan Growth and AXIS Small Cap Fund Direct Growth: These funds provide exposure to mid-cap and small-cap segments, respectively, offering growth potential but with higher volatility. Ensure you're comfortable with the risk associated with these segments.
6. JM Value Fund Direct Growth and Parag Parikh Flexi Cap Direct: Both these funds follow value investing principles and focus on investing in fundamentally sound companies at reasonable valuations. They can be suitable for long-term wealth creation.
7. Nippon India Corporate Bond Fund Direct Growth: Investing in a corporate bond fund provides stability and income generation through fixed-income securities. It's a prudent choice for diversification and managing risk.
8. P2P Investment: Peer-to-peer lending can offer attractive returns but comes with higher risk compared to traditional investments. Ensure you've assessed the risk-reward profile and have a diversified portfolio to mitigate risks.
Index Funds:
• Index funds offer broad market exposure by tracking a specific index, such as the Nifty 50 or the Nasdaq 100. They provide diversification and low-cost access to the market, making them suitable for long-term investors.
• However, index funds are passively managed, meaning they aim to replicate the performance of the underlying index rather than outperforming it. While this reduces management fees and turnover costs, it also limits the potential for alpha generation.
• As a result, index funds may not capture opportunities for outperformance during market upswings or provide downside protection during downturns. Investors seeking higher returns may prefer actively managed funds that aim to outperform the market through strategic stock selection and portfolio management.
Direct Funds:
• Direct funds allow investors to purchase mutual fund units directly from the asset management company, bypassing intermediaries like distributors or brokers. This can result in lower expense ratios compared to regular funds, as there are no distributor commissions involved.
• However, direct fund investors are responsible for conducting their own research, selecting suitable funds, and monitoring their investments. This requires a certain level of financial literacy and investment expertise to make informed decisions.
• On the other hand, investing through a Certified Financial Planner (CFP) who holds the necessary credentials and expertise can provide valuable guidance and support. A CFP can help investors navigate the complexities of the financial markets, select appropriate investment strategies, and optimize their portfolio allocations based on individual goals and risk tolerance.
Considering your investment portfolio, it's essential to evaluate the role of both index funds and direct funds in achieving your financial objectives. While index funds offer cost-effective market exposure, direct funds provide the potential for active management and outperformance.
As a Certified Financial Planner (CFP), I recommend a balanced approach that incorporates both index funds and direct funds based on your risk profile and investment goals. Periodic reviews of your portfolio and ongoing guidance from a CFP can help ensure that your investment strategy remains aligned with your evolving needs and objectives.
Remember, investing is a journey, and it's essential to stay informed, stay disciplined, and seek professional guidance when needed. With the right approach and support, you can navigate the financial markets with confidence and work towards achieving your long-term financial goals.

..Read more

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 2024

Asked by Anonymous - Jul 14, 2024Hindi
Listen
Money
Sir,pls review my MF portfolio and give your review and advice. I have in my portfolio 5 L in Baroda pnd paribas multi asset,2 L sbi balanced advantage,2 HDFC manufacturing fund,2 bandhan innovation MF,1 sbi psu fund,1 sbi next 50 index fund,2 L HDFC multicap,3000sip in sbi 250small cap index fund,3000 sip in ICICI bluechip fund,3000 sip in motilal oswal midcap fund.
Ans: Review of Your Mutual Fund Portfolio
Let's assess your current mutual fund portfolio and provide suggestions to optimize it.

Current Portfolio Breakdown
Baroda BNP Paribas Multi Asset: Rs 5,00,000
SBI Balanced Advantage: Rs 2,00,000
HDFC Manufacturing Fund: Rs 2,00,000
Bandhan Innovation Mutual Fund: Rs 2,00,000
SBI PSU Fund: Rs 1,00,000
SBI Next 50 Index Fund: Rs 1,00,000
HDFC Multicap Fund: Rs 2,00,000
SIP in SBI 250 Small Cap Index Fund: Rs 3,000 per month
SIP in ICICI Bluechip Fund: Rs 3,000 per month
SIP in Motilal Oswal Midcap Fund: Rs 3,000 per month
Analysis and Evaluation
Diversification:

Your portfolio includes a mix of equity, balanced, and sector funds.
This diversification helps in risk management.
Sector Funds:

HDFC Manufacturing Fund and SBI PSU Fund are sector-specific.
Sector funds can be risky due to lack of diversification.
Index Funds:

SBI Next 50 Index Fund and SBI 250 Small Cap Index Fund are passive investments.
Index funds do not outperform the market and lack active management.
Balanced Advantage Fund:

SBI Balanced Advantage Fund balances equity and debt.
This provides stability during market volatility.
Multicap Funds:

HDFC Multicap Fund offers diversification across large, mid, and small caps.
This reduces concentration risk.
Recommendations
Reduce Sector Exposure:

Consider reducing your investment in sector funds like HDFC Manufacturing and SBI PSU Fund.
These funds are less diversified and can be volatile.
Shift from Index Funds to Actively Managed Funds:

Index funds like SBI Next 50 and SBI 250 Small Cap Index Fund lack active management.
Actively managed funds can potentially offer better returns.
Increase Exposure to Actively Managed Funds:

Increase investment in actively managed funds such as multicap, large-cap, and mid-cap funds.
These funds are managed by professionals who can make informed investment decisions.
SIP in Balanced and Multicap Funds:

Continue your SIP in ICICI Bluechip and Motilal Oswal Midcap funds.
Consider adding more SIPs in balanced advantage or multicap funds.
Diversify Across Asset Classes:

Continue investing in multi-asset funds like Baroda BNP Paribas Multi Asset.
These funds offer a mix of equity, debt, and other assets for better diversification.
Suggested Portfolio Allocation
Equity Funds:

Large Cap Funds: 30% of your portfolio.
Mid Cap Funds: 20% of your portfolio.
Multicap Funds: 25% of your portfolio.
Reduce sector funds to 10% of your portfolio.
Balanced Funds:

Balanced Advantage Funds: 15% of your portfolio.
Multi-Asset Funds:

Continue with Baroda BNP Paribas Multi Asset.
Final Insights
Your portfolio is well-diversified but can be optimized by reducing sector-specific and index funds. Increase allocation to actively managed large, mid, and multicap funds. This strategy will potentially enhance returns and manage risks better. Regularly review and rebalance your portfolio to stay aligned with your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ravi

Ravi Mittal  |475 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 26, 2024

Listen
Relationship
I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
Ans: Dear Moumita,
It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 25, 2024
Relationship
Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?
Ans: While it’s commendable that she is honest about her feelings and gives you the freedom to make your choices, it’s equally important to consider whether her values and actions align with what you need in a partner. Relationships thrive when there’s mutual respect, understanding, and agreement on boundaries. If her actions or mindset make you feel undervalued or emotionally unsafe, it’s crucial to reflect on whether this relationship is truly serving your well-being.

The fact that you’ve tried to move on multiple times suggests that there is a deeper discomfort within you about the dynamics between you two. Trust is not just about fidelity; it’s about emotional safety, reliability, and mutual respect. If her behavior consistently makes you question her commitment or your place in her life, that erosion of trust can become difficult to rebuild.

As for her mental and medical challenges, it’s important to approach those with empathy, but also with a clear understanding that you cannot "fix" or "heal" someone unless they are actively seeking and working toward their own well-being. If she has not addressed her mental health or continues behaviors that affect the relationship without taking responsibility, it can lead to ongoing strain for you. Her mental health challenges are not excuses for harmful behavior, nor should they become reasons for you to sacrifice your own emotional health.

You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

If you decide to stay, open communication and possibly couples’ therapy could help bridge the gaps. If you choose to move on, trust that this decision is about prioritizing your well-being and finding a relationship that aligns with your values and needs. Either way, your happiness and emotional health should come first.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
Listen
Relationship
Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?
Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
Listen
Relationship
Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?
Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

...Read more

Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
Listen
Health
Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

...Read more

Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
Listen
Health
Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x