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Vivek Lala |301 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 10, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Naresh on Feb 05, 2023Hindi

Money

I am 51 year old employee under old pension scheme. Should I invest un NPS or Mutual Funds for extra pension after retirement

Ans: Investment in Mutual fund will help you with a retirement plan and the withdrawal of a sum from mutual fund at a given interval is called SWP not Pension. Whereas withdrawal of money from NPS post retirement is possible through lumpsum and pension as well

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.

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Question by Renukadevi - Mar 18, 2023Hindi

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Hello Investment/ Money Guru, I'm 46 years old, planning for one time investment ~8 LAK in NPS/ Mutual/ your suggestion. My objective to use this fund to add into my corpus during my retirement at 60 years, so ~15 years I will not use this amount. Can you please advise right investment options. Thank You!

Ans: Hi Renukadevi

Yes NPS is good for investing and tax saving both as per old regime. You can invest say 2 lacs in it and 6 lacs you must allocate to aggressive funds lime mid cap and small cap and index funds but in a systematic transfer plan method

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Question by Vijay - Mar 14, 2024Hindi

Money

hi Vivek, at age 50 years is it ok to invest in NPS fund for getting regular pension say after 10 years ?

Ans: Hello, NPS is an instrument to save tax according to me
Investments should be super liquid, and since NPS is not liquid till retirement, you can choose Mutual Funds instead of NPS

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Asked by Anonymous - May 13, 2024Hindi

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I am 25 and earning 41k a month. My monthly expenses are 19k and I save around 22k a month. I have started investing in mutual funds and investing 12k/month. My financial goal is to have a corpus of 4-5 Cr at the time of my retirement. Would like to retire at 55. Should I consider investing in NPS? Please advise.

Ans: Increase your SIP in mutual funds as with current investment of SIP you will be able to make 2.25 to 2.5 crore

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Asked by Anonymous - Nov 04, 2024Hindi

Money

I am 50 years old. Having a housing loan with 16500 emi for another 13 years. Also I am having a cc loan for which I am paying 5000 p.m. interest. I have a son studing in 11 th science. My monthly household expenses are 12500. My income is 35000 p.m. Please guide me so that I can retire at age 60 with atleast some Pride.

Ans: Hi..please pay off your loans as soon as possible. Especially credit card loan. Your debt service to income ratio should never exceed 35% of your income. In your case it is 61.43% which is extremely high. You may consider refinancing your loan or arrange for any additional income source.

Dr Chandrakant Lahariya |125 Answers |Ask -Follow

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

Question by P - Oct 24, 2024Hindi

Health

Dr saab my creatinine 1.29 to 1.65 and i m heart patient I m 67yrs old.bp and sugar is normal

Ans: This indicate that kidney functions are affected.
Please get a consultation with a physician. You might require additional medications.

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

Question by Ajay - Oct 23, 2024Hindi

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I am 67 yrs male creatine level remains 1.30 clestrol 250 BP 80-120 weight 67.

Ans: Largely within normal range.
Need to explore the reasons for increased creatinine. if you can share more details about your health parameters, may be I can provide more information.

Best wishes,
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Diabetologist, Consultant Physician, Vaccine Expert - Answered on Nov 05, 2024

Asked by Anonymous - Oct 23, 2024Hindi

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Good evening Doctor my mother is 65 years old and her creatinine level is 6.8 now. We diagnosed the issue in 2016 when her creatinine was 3. Kindly advise what steps she needs to take in order to reduce her creatinine levels. She doesn’t have BP and Sugar

Ans: These are very high values.
Please consult a nephrologist for immediate work up.

Best wishes,
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Question by sarvesh - Oct 21, 2024Hindi

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IA M TAKING FLIMSTER M1 AND FORXIGA FOR TYPE 2 DIABATES MY HBIAC IS 8.1 WITH STARTING KIDNEY PROBLEM IS IT OK

Ans: HB1c is still high.
If you are younger than 70 years, your HbA1c should be less than 7%.
Please consult a physician who would advise on increasing the medicines and taking care of other health issues.

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Asked by Anonymous - Oct 20, 2024Hindi

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What if my cretanine is 1.39 I m 81 years old And have gone through operation of gall bladder

Ans: At your age, 1.39 eGFR would be around 51 which essentially mean CKD stage 3a.
Please consult a physician for a detailed work up and advice..

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

Asked by Anonymous - Aug 10, 2024Hindi

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I am 72 years old my creatinine level has now increased from 1.4 on 13/03/2024 to 2.59 as on date how to reduce the level is there any medication, please advise.thanking you

Ans: Please get comprehensive KFT with eGFR done.
It will be important to understand the cause of sudden rise in creatinine levels. Diabetes and other conditions also need to be ruled out.

Once these are available, consult a physician or nephrologist.

Dr Chandrakant Lahariya

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

Question by KL - Nov 02, 2024Hindi

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I was treated for chiken gunya fever 2 months back. Since then though there is no fever I am have ng severe joint pains. Particularly in both wrists and fingers and both ankle joints and toes. I am unable to practice my daily yoga and walking too .I am 70 years. No BP or diabetes. Thank you KLNarasimham Visakhapatnam

Ans: Chikungunya pain usually persist for many weeks.
Can you please get Uric acid and other lab tests such as serum calcium and KFT done. While you do not have any diagnosed condition, it is better to rule out any other condition which may exist.

Best
Dr Chandrakant Lahariya

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Question by Sankalp - Nov 04, 2024Hindi

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Hello Dr, My Wife (42) wt-78 kg. She is working lady and having sitting job in office. Every night when she is about to sleep, she feels itching in whole body and use to scratch full body. She has tried body loction, coconut oil but nothing helps. She use to take Avil 25 tablet that helps in reduction of itching. Kindly suggest what to do ? Can she take Avil 25 regularly ? any health issues ??

Ans: Please get liver function tests done.
Also, it will be better to get comprehensive health check up Blood test and physician visit to get the root of the condition.
Avil and lotions are supportive and not the treatment.

Dr chandrakant Lahariya

Dr Chandrakant Lahariya |125 Answers |Ask -Follow

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

Asked by Anonymous - Nov 05, 2024Hindi

Health

Sir, hba1c 5.8 hai. fbs 73 hai. pp 139 hai. Dwa le rha hu. ??? ???? ????

Ans: This is perfect.
you may consider to reduce medications and focus upon diet and physical activity.
If your diabetes was for duration of shorter than 5 years, you might be a suitable candidate for remission. Consult a physician

Dr Chandrakant Lahariya

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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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