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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Dec 25, 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
Neel Question by Neel on Dec 19, 2023Hindi
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Dear Sir I am going to retire from government service in few months under NPS. I want to invest a part of my received amount . Kindly suggest. Neel

Ans: As you wish to re-invest some amount received from your NPS. This is a responsible decision that can ensure a comfortable post-retirement life. We suggest you to invest the amount in different asset class such as mutual funds, bonds, FD etc in different allocation. It will help you to maintain the liquidity and stability at your portfolio in different market scenario and help you to grow your amount over the years.

You can also consult with a financial advisor for the personalized holistic financial planning as they will analyze your current financials, risk appetite, other assets & your goals and give you a clear idea about the investment.
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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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

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Hi Sir, This is Murugan, from Chennai, working for an IT company. I have started to invest in NPS for the past 7 months (4216?, 10% of my basic salary) for my retirement plan. My take-home salary is ?60,000 (after NPS deduction). I don't have a debit. I would like to invest ?20,000 for my future and also for my child's (4-year-old) education purposes (long-term plan). Please suggest any ideas to achieve my goal. Thanks, Murugan.
Ans: It's great that you've started investing in NPS for your retirement. To achieve your goal of investing ?20,000 for both your future and your child's education, consider the following suggestions:

SIP in Mutual Funds:
Allocate a portion of ?20,000 towards SIPs in mutual funds. Opt for diversified equity funds for long-term growth potential.
Choose funds based on your risk tolerance and investment horizon.
Child Education Fund:
Create a separate fund or invest in child education-specific mutual funds or SIPs for your child's education.
Start a recurring deposit or systematic investment plan (SIP) to accumulate the desired amount by the time your child starts higher education.
Emergency Fund:
Set aside a portion of your monthly income for an emergency fund, aiming to accumulate 3-6 months' worth of expenses.
Consider a liquid or short-term debt fund for this purpose.
Insurance:
Ensure you have adequate life and health insurance coverage for yourself and your family to protect against unforeseen events.
Review & Adjust:
Periodically review your investments to track performance and make necessary adjustments.
Increase your investments gradually as your income grows.
Remember to maintain a balanced approach between equity and debt investments based on your risk tolerance. Consult a financial advisor to create a personalized investment plan tailored to your financial goals and situation.
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Dr Vinod

Dr Vinod Kumar  |133 Answers  |Ask -

Kidney Health Specialist - Answered on Apr 28, 2024

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Dear Sir, Below is the report of my wife CT SCAN CONTRAST My question is for KIDNEY damage that how much chances are there if kidney stone operation done successfully, means as of now kidney is works or not works. MSCT SCAN OF KUB MSCT imaging was performed using submillimeter thin contiguous axial scan of KUB with oral and I.V. contrast. Coronal and sagittal Reformatted images were obtained. FINDINGS/OBSERVATIONS: Right kidney and ureter: RK measures :72 x 36 mm 4 mm sized calculus (800 HU) is noted in lower calyx of right kidney. Rightkidney shows moderate hydronephrosis with dilated upper ureter with presence of 11.5 x 7 mm sized calculus (1400hu) approximately 3.6 cm distal to the right PUJ. There is seen multiple cortical scarring and thinning of parenchyma involving the right kidney. No renal mass or other lesions. N Left kidney and ureter: LK measures :107x50 mm. No calculi. No hydronephrosis or hydroureter. No renal mass or other lesions. No urothelial lesions: No filling defect, dilation, stricture or wall thickening. Urinary bladder: Well distended. No evidence of calculi or obvious mass lesion. On post-contrast study, both the kidneys shows normal post-contrast enhancement and simultaneous excretion. IMPRESSION: 1. Right kidney shows moderate hydronephrosis with dilated upper ureter with presence of 11.5 x 7 mm sized calculus (1400hu) approximately 3.6 cm distal to the right PUJ. 2. Multiple cortical scarring and thinning of parenchyma involving the right kidney.
Ans: Need to consult an Urologist.
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Maxim

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Soft Skills Trainer - Answered on Apr 28, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Career
Hello my name is yash I have completed by studies in bsc it I have done jobs of cashier and application support analyst during my studies. No my studies are over I find myself to fit in job as per requirement but I am not satisfied sometimes I feel I am not meant for this I have issues from office like work extra over over time. I want to ask is there everywhere over time of employees to be spend 10-12 hours in office. Secondly I feel that should work in environment where I can move and do work means field work in which I feel I am not bounded in short I want work life balance. I love to read books, I love to do on ground activities in back of my mind I have civil services plan in which I have a permission to work freely. But condition is that how can I do if office demands max hours of my life it's bit confusing for me
Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!
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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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