Sir, could you please advise me on these SIPs. Shall I continue or make a switch?

Parag Parekh Flexi Cap Fund -- 10000
Mirae Asset Emerging BlueChip Fund -- 2500
HDFC Focused 30 Fund - Growth(CORG) -- 3000
HDFC Balanced Advantage Fund - Growth(GFG) – 3000

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.

Ans: Firstly, period was on 1st October
Taken Ipil on 13 November with intercourse prior 2 days
Kindly get urine pregnancy test done first and foremost
Secondly
Ipills can cause irregular or delayed menses also.
If still no periods in one week with negative urine pregnancy test, visit your gynec and get good usg pelvis and few hormonal tests done.

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

Ans: its a long term stock only atleast 5yrs plus

Ans: Hello;

My suggestion would be to opt for an adequate term life insurance and invest through mutual funds and NPS for other goals.

But if you are keen about ULIP only then you may select the insurer/plan of your choice or as advised by your insurance advisor.

However in the Ulip plan have 80% allocation to pure equity funds and balance 20% to debt funds to beginwith and tweak it over time as you grow older(nearing policy maturity date; ~ 30 years later) so by the time the policy is about to mature your equity allocation should be 40% or less.

Happy Investing;

Ans: Hello;

Since money invested would be required after 3 years for payment towards property purchase, recurring deposit is a better option then equity savings type mutual fund.

The returns from equity savings type mutual fund may be higher but they are subject to market fluctuations so no point in taking that risk.

Happy Investing;

Ans: Sumit Sir,
54-year-old with a strong background in the IT field, high-stakes projects, and an Executive MBA from XLRI can still stay relevant and look for opportunities. You can try for freelance consulting, work from home, coach, mentor, and train businesses in Agile methods, stakeholder handling, and team leadership.

To stay current, you can move into academic or research roles as an adjunct professor, work on research projects with universities or think tanks, or start your own business as a niche consultant.

To look for opportunities, make your LinkedIn profile stand out, share stories or insights, actively network, upskill strategically, and build a portfolio. Being old is an asset, but it's important to use it as a unique selling point and be flexible to stay competitive. By carefully using your skills and experience, you can open up many good opportunities and continue to thrive in the ever-changing tech world. All The Best for Your Prosperous Future.

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Ans: The cyst size looks quite big. It is better to do CT abdomen with contrast to rule out any significant lesion. If it turns out to be benign you need to do yearly scans.

Ans: Abin, The future of SSC's qualifying requirements is uncertain, but it is suggested that the test's emphasis on merit rather than academic grades could be impacted. Performance in the selection process is more important than academic records for most government tests, including SSC CGL. Any changes to eligibility requirements would be made public, and transitional rules may be in place. To prepare, focus on aptitude, reasoning, and topic knowledge in SSC CGL. If concerned about changes, consider other options like state-level government exams or competitive tests. Stay updated on SSC's changes. All The Best for Your Prosperous Future.

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