How can we get rent arrears from the tenant. He did not pay even after court order.

Ans: It is possible that while you are consuming as per the daily needs but the distribution of the meals and calories are irregular. May consult a dietitian.
Also, increase fruits and vegetables in diet. Get Vit D and B12 and LFT and Thyroid Function testing done and you may benefit from some micronutrient and vitamin supplement.
I am not a big supporter of vitamin supplement but in your case, it seems those may benefit.

Best
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: Please continue the medications prescribed.
Alongside, may consider some physiotherapy or possibly a consultation with a family physician.
Going by the description you provided and history shared by you, there doesn't appear any major issue.

Best
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: It is a good idea that you are considering a preventive health check up.
Any male who is above 50 years should get annual health check up done. So, please get an annual check up done.
An comprehensive annual check up should include
Blood investigation- a comprehensive blood test; ECG; Chest Xray and consultation with physician after all these tests.

Best wishes
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: Ozempic helps in weight loss, which can be sustained as long as one continue to take this medicine. There is no doubt it helps in reducing weight.
The common side effect associated with this drug (Which as available only in oral formulation in India), fullness, nausea and vomiting, abdominal discomfort etc.

In India, the drug is not licensed for weight loss but as anti-diabetic medication.


Please consult a doctor in person to understand the benefits and risk of the medicine.

best wishes,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: It seems 65 fasting is due to either insulin in the night or too long a gap in the meals. This could be worrying and pose a risk of hypoglycemia.

In elderly such as someone 83 yo, it is better to have higher sugar levels than low.
regarding PP 212, there is need for either inclusion of an oral medicine or reduce meal size in breakfast. Possibly combination of two.

You seem to be diabetic and it would be beneficial if you get an assessment/discussion with a physician done.

Best wishes,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: What you are indicating seems to be a sign of insulin resistance where in response to meal, insulin levels rise and then you start feeling hungry. These are indications of early stage of diabetes development.
The first thing you need to get done is blood sugar levels: fasting, 2 hr after breakfast and HbA1c. You also need to have your lipid, and liver function tests done. Essentially, you can get your blood marker profile done. Discuss that with a physician and he or she would be in better position to advise.

Regarding second question, it may not be related to early dinner but overall gastric emptying. Please increase fruits and vegetables in your diet. You need to have some gastric motility enhancing medicines before breakfast . Esomeprazole and Domperidon combination are very effective.

It might benefit to increase the number of meals and snacks in total to 5 From current (Three meals and two snacks) but reduce the quantity and portion sizes in snacks.

Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: Your goal of generating Rs 30,000 monthly income while growing your capital requires a balanced approach. Below is a structured plan to help you meet this objective.

Assessing Current Investments
You have Rs 2 lakh in mutual funds and Rs 2 lakh in stocks.
Rs 5 lakh is tied up in ULIP, which combines insurance with investment.
Rs 9 lakh is invested in the Post Office Monthly Income Scheme (MIS).
You also have Rs 10 lakh surplus in liquid assets.
Rs 2 lakh is set aside as an emergency fund, which is well-placed.
Restructuring ULIP for Better Growth
ULIPs often have high charges that reduce returns.

Consider surrendering the ULIP and reinvesting in mutual funds.

Mutual funds offer better growth potential, especially with long-term investing.

Use a Certified Financial Planner (CFP) for selecting regular mutual funds.

Investing through a CFP helps you manage and track your investments effectively.

Maximising Growth with Equity and Balanced Funds
Allocate a portion of your Rs 10 lakh surplus to equity mutual funds.

Equity investments offer inflation-beating returns over time.

Consider balanced mutual funds for some stability and growth.

Balanced funds reduce risk by investing in both equity and debt.

Actively managed funds are better than index funds, as they can outperform markets.

Creating Monthly Income Through Systematic Withdrawal Plan (SWP)
Use your mutual fund investments to set up an SWP.

SWP offers flexibility in choosing the withdrawal amount and frequency.

Withdrawing Rs 30,000 monthly from equity or balanced funds spreads tax liability.

Any capital gains above Rs 1.25 lakh will attract 12.5% LTCG tax.

Plan withdrawals carefully to avoid higher taxes and protect your capital.

Redeploying Liquid Funds for Regular Income
Avoid keeping too much money idle in liquid funds.

Deploy a portion of the Rs 10 lakh in debt mutual funds or corporate bonds.

Debt mutual funds provide safety and better returns than savings accounts.

Use some amount to build a ladder of fixed deposits with different tenures.

This creates a steady cash flow without locking up all funds at once.

Rebalancing Post Office MIS Investment
The Post Office MIS has limitations on withdrawal flexibility.
Consider reducing some of your MIS investment to improve liquidity.
Reinvest in debt mutual funds to generate income with more flexibility.
Diversifying Stocks for Stable Returns
Review your stock portfolio to assess growth potential and risk.
If individual stocks are volatile, shift to mutual funds for better management.
Diversification spreads risk and stabilises returns over time.
Planning for Inflation and Future Income Needs
Rs 30,000 today will not hold the same value in the future.
Keep some investments in equity to protect against inflation.
Reinvest dividends and capital gains for wealth accumulation.
Monitoring and Adjusting Portfolio Regularly
Review your portfolio every 6 to 12 months with a CFP.
Rebalance investments based on market conditions and personal goals.
Regular monitoring ensures your strategy stays aligned with your objectives.
Final Insights
Focus on balancing income generation with long-term growth.

Redeploying ULIP into mutual funds improves returns.

SWP offers steady income while protecting your capital.

Diversify across equity, debt, and liquid assets for stability.

Keep reviewing your portfolio regularly with a CFP.

Thoughtful planning ensures sustainable income and wealth creation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: As a 35-year-old software engineer with an annual income of Rs 20 lakhs, you have a great opportunity. Investing Rs 15 lakhs now can set a strong foundation for your retirement and your child's future.

Your child is currently one year old, which means you have time on your side. It’s important to adopt a well-diversified investment strategy. This will balance growth potential and risk.

Let’s look at how to allocate your Rs 15 lakhs effectively across various investment options.

Understanding Your Investment Horizons
Given your goals, consider the following time horizons:

Short-Term Needs (0-5 years):

Safety and liquidity are crucial.
Focus on investments that preserve capital.
Medium-Term Needs (5-15 years):

Growth becomes a priority.
Balanced risk and return should be your focus.
Long-Term Needs (15+ years):

Higher risk tolerance can be applied.
Equities should play a significant role in your portfolio.
This approach helps ensure your investments align with your timelines and goals.

Suggested Allocation of Rs 15 Lakhs
Based on your situation, here’s a proposed allocation strategy:

Equity Mutual Funds (40%): Rs 6,00,000

Invest Rs 6 lakhs in equity mutual funds.
Choose actively managed funds for higher growth potential.
Debt Mutual Funds (30%): Rs 4,50,000

Allocate Rs 4.5 lakhs to debt mutual funds.
This provides stability and regular income.
Public Provident Fund (PPF) (20%): Rs 3,00,000

Invest Rs 3 lakhs in PPF for long-term growth.
PPF is secure and offers tax benefits.
Emergency Fund (10%): Rs 1,50,000

Set aside Rs 1.5 lakhs in a liquid savings account.
This fund ensures you have cash available for emergencies.
Each of these allocations plays a unique role in your overall financial health.

Benefits of Equity Mutual Funds
Investing in equity mutual funds has numerous advantages:

Higher Returns:

Equity funds historically outperform other asset classes.
They can provide significant growth over the long term.
Diversification:

Equity funds invest in various companies.
This reduces risk by spreading your investment across sectors.
Professional Management:

Fund managers analyze market trends and make informed decisions.
This saves you time and effort in research.
Inflation Hedge:

Equities generally outpace inflation.
This preserves your purchasing power over time.
Make sure to review fund performance periodically.

Disadvantages of Direct Funds
If you consider direct mutual funds, be cautious. Here are some drawbacks:

Lack of Guidance:

Managing investments can be challenging without professional help.
You may miss market insights or trends.
Time Intensive:

Researching and tracking funds requires time and effort.
You may struggle to keep up with changes in the market.
Limited Resources:

You might not have access to the same research tools as professionals.
This can hinder your ability to make informed decisions.
Investing through a Certified Financial Planner can help you overcome these challenges.

Advantages of Regular Funds through MFDs
Opting for regular funds via a Mutual Fund Distributor (MFD) has many benefits:

Expertise:

MFDs provide tailored investment strategies based on your needs.
They have in-depth market knowledge to guide your choices.
Ongoing Support:

MFDs monitor your portfolio and suggest adjustments.
They keep you informed about market trends.
Simplified Process:

MFDs handle paperwork and transactions for you.
This saves you time and reduces stress.
Holistic Financial Planning:

MFDs can integrate your investments with other financial goals.
This ensures a 360-degree approach to your finances.
Working with a Certified Financial Planner can enhance your investment experience.

Exploring Debt Mutual Funds
Debt mutual funds play a vital role in your portfolio. Here’s why:

Stability:

They provide consistent income and lower risk.
This is essential for capital preservation.
Liquidity:

Debt funds allow easy access to your money.
This can be crucial for emergency situations.
Tax Efficiency:

Gains from debt funds are taxed according to your income slab.
This is beneficial compared to traditional savings accounts.
Debt mutual funds help balance the risk from equity investments.

The Role of Public Provident Fund (PPF)
Investing in the PPF is a smart choice for long-term savings:

Safety:

PPF is backed by the government, ensuring capital safety.
Your money grows with guaranteed returns.
Tax Benefits:

Contributions to PPF are eligible for tax deductions.
This reduces your taxable income.
Long-Term Growth:

The lock-in period encourages disciplined saving.
It’s ideal for retirement planning.
PPF complements your overall investment strategy well.

Building an Emergency Fund
Establishing an emergency fund is crucial:

Financial Security:

An emergency fund provides a safety net.
It helps you avoid debt in times of need.
Liquidity:

Keep this fund in a savings account or liquid fund.
Ensure easy access to cash when required.
Amount:

Aim for 3-6 months' worth of expenses in this fund.
This helps cover unexpected costs.
Having this cushion allows you to invest without stress.

Tax Implications for Mutual Funds
Understanding tax implications is essential for investment planning:

Equity Mutual Funds:

Long-term capital gains (LTCG) above Rs 1.25 lakhs are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt Mutual Funds:

LTCG and STCG are taxed according to your income tax slab.
Consider these implications when making decisions.
This knowledge can influence your investment strategy.

Final Insights
Investing Rs 15 lakhs with a diversified strategy is commendable.

Your plan includes equity funds, debt funds, PPF, and an emergency fund.

This balanced approach provides growth potential and stability.

Regularly review your portfolio to stay aligned with your goals.

Working with a Certified Financial Planner can enhance your investment journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment