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Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
anirban Question by anirban on Jun 17, 2024Hindi
Money

n - Jun 14, 2024 Hi, I have total asset of 1.85 crs , Equity MF 1.22 cr. Stocks 20 lakhs, Ppf 25 lakhs, PF 15 lakhs , Gold 3 lakhs , Equity mf Xirr 17% as on date , I am 40 want to retire immediately, my monthly expenses including all is 1.40 lakhs pm overall + LIC premium 1.50 Lakhs per anum( surrender valuation 17 lakhs) , if i consider Inflation 7% and my span of life 82 -84 years , I have no kids plam , i have dependant aged parents, wife is not working, house wife , i have my parents old house i will stay there till death ,what's your input regarding current corpus ? Can i retire now? How can i survive till 82 - 84 years based on swp and without doing any job or source of income .only utilizing my savongs in smart way , Pls advice Sir

Ans: Firstly, let’s take a moment to acknowledge your diligent efforts in building a substantial financial corpus. Your current asset base of Rs 1.85 crores is commendable. Having Rs 1.22 crores in Equity Mutual Funds, Rs 20 lakhs in stocks, Rs 25 lakhs in PPF, Rs 15 lakhs in PF, and Rs 3 lakhs in gold shows a well-diversified portfolio. Additionally, your LIC policy with a surrender value of Rs 17 lakhs is also a significant asset. This is a solid foundation for planning your retirement.

You mentioned wanting to retire immediately at age 40, with a monthly expense of Rs 1.40 lakhs, including an annual LIC premium of Rs 1.50 lakhs. With an estimated lifespan until 82-84 years and an inflation rate of 7%, it is crucial to analyze if your corpus can sustain your lifestyle for the next 42-44 years.

Understanding Inflation and Expenses
Inflation is a key factor that erodes purchasing power over time. At a 7% inflation rate, your current monthly expense of Rs 1.40 lakhs will increase significantly in the coming years. Ensuring your investments can grow at a rate higher than inflation is crucial to maintaining your standard of living.

Let's break down your assets and their potential:

Equity Mutual Funds
Equity Mutual Funds are a potent tool for long-term wealth creation. With an XIRR of 17%, your Equity MF investments have shown substantial growth. The power of compounding works wonders in equity investments over long periods. However, equity markets can be volatile, and it’s important to have a balanced approach.

Public Provident Fund (PPF)
Your PPF investment of Rs 25 lakhs is a stable and secure option. PPF offers a fixed rate of return and is tax-free, making it an excellent choice for risk-averse investors. However, the returns from PPF are relatively lower compared to equity investments.

Provident Fund (PF)
The Rs 15 lakhs in your Provident Fund provides a steady and reliable income stream post-retirement. PF contributions, along with interest, can help cover basic expenses without much risk.

Gold
Gold is a good hedge against inflation. Although not a high-return investment, it provides stability and can be liquidated in times of need.

Stocks
Direct stock investments of Rs 20 lakhs can yield high returns but come with high risk. It’s important to periodically review and possibly rebalance this portion of your portfolio.

Immediate Steps to Consider
Surrender LIC Policy
You mentioned a LIC policy with an annual premium of Rs 1.50 lakhs and a surrender value of Rs 17 lakhs. It’s advisable to surrender this policy and reinvest the surrender value into higher-yielding options like mutual funds. Traditional insurance policies often provide lower returns compared to market-linked investments.

Systematic Withdrawal Plan (SWP)
To ensure a steady income stream post-retirement, consider setting up a Systematic Withdrawal Plan (SWP) from your mutual fund investments. SWP allows you to withdraw a fixed amount at regular intervals, providing a predictable cash flow while the remaining investment continues to grow.

Medical Insurance
Ensure you have adequate medical insurance coverage for yourself and your dependent parents. Medical emergencies can deplete your savings rapidly, so having a robust health insurance plan is crucial.

Mutual Funds: A Closer Look
Mutual funds offer various categories catering to different risk appetites and investment horizons:

Equity Mutual Funds
These are ideal for long-term wealth creation. With a potential for high returns, equity funds invest in shares of companies. The power of compounding can significantly grow your corpus over time. However, market volatility is a risk factor, making it essential to stay invested for the long term to ride out market fluctuations.

Debt Mutual Funds
For a more stable and predictable return, debt mutual funds are a good option. They invest in fixed-income securities like bonds and government securities. These funds are less volatile compared to equity funds and can provide a steady income stream.

Hybrid Mutual Funds
These funds invest in both equity and debt instruments, offering a balanced approach. Hybrid funds aim to provide growth potential of equities and stability of debt, making them suitable for investors looking for a moderate risk-return profile.

Advantages of Mutual Funds
Diversification: Mutual funds pool money from many investors to invest in a diversified portfolio of securities. This reduces the risk compared to investing in individual stocks.

Professional Management: Funds are managed by professional fund managers who have expertise in selecting securities and managing the portfolio.

Liquidity: Mutual funds offer high liquidity, allowing you to redeem your units anytime.

Systematic Investment and Withdrawal Plans: You can start a SIP to invest regularly and an SWP to withdraw regularly, providing flexibility and control over your investments.

Risks of Mutual Funds
Market Risk: Equity funds are subject to market fluctuations. It's important to have a long-term horizon to mitigate short-term volatility.

Interest Rate Risk: Debt funds are affected by changes in interest rates. When interest rates rise, the value of existing bonds falls.

Disadvantages of Direct and Index Funds
Investing directly in stocks or index funds might seem appealing due to lower costs, but they lack the professional management provided by actively managed mutual funds. Actively managed funds, overseen by expert fund managers, can outperform the market, especially during volatile periods. Direct funds require significant market knowledge and constant monitoring, which can be time-consuming and risky.

Assessing Your Retirement Plan
Given your desire to retire at 40, it's essential to assess if your corpus can sustain your expenses until age 82-84. Here's an analytical breakdown:

Corpus Sufficiency
With an annual expense of Rs 16.80 lakhs (Rs 1.40 lakhs per month), and accounting for inflation, your expenses will rise over the years. Assuming your corpus grows at a rate higher than inflation, let's consider different withdrawal strategies:

Systematic Withdrawal Plan (SWP): A well-planned SWP from your mutual funds can provide a steady income stream. Calculate a withdrawal rate that ensures your corpus lasts throughout your retirement.

Rebalancing: Periodically rebalance your portfolio to maintain an optimal asset allocation. This ensures you stay on track with your financial goals.

Emergency Fund: Maintain a liquid emergency fund to cover unexpected expenses. This prevents the need to withdraw from long-term investments prematurely.

Final Insights
Retiring at 40 is ambitious but achievable with a well-structured financial plan. Your diversified asset base, coupled with strategic withdrawal and investment plans, can sustain your lifestyle.

Key steps to consider:

Surrender the LIC policy and reinvest in mutual funds for higher returns.

Set up a Systematic Withdrawal Plan (SWP) to ensure a steady income stream.

Maintain adequate medical insurance coverage for yourself and dependent parents.

Regularly review and rebalance your portfolio to stay aligned with your financial goals.

Remember, a Certified Financial Planner can provide personalized advice and help you navigate your retirement planning journey. Your financial prudence so far is commendable, and with strategic planning, you can enjoy a comfortable and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 2024

Asked by Anonymous - Jun 12, 2024Hindi
Money
Hi, I have total asset of 4.75 crores including equity,ppf,pf,ssy,CIH,FD,gold, house (gold n house as pure investment), I am 48with 2 kids and want to retire immediately, my monthly expenses including all is 1 to 1.1 lacs pm, what's your input regarding current corpus it's already 35 times of yearly expenses Regards
Ans: Understanding Your Financial Position
At 48, you have built a substantial asset base of Rs 4.75 crores, which is commendable. Your assets include equity, PPF, PF, SSY, cash-in-hand (CIH), fixed deposits (FD), gold, and a house. Your monthly expenses range from Rs 1 lakh to Rs 1.1 lakh, which is a manageable amount given your asset base. Let's assess whether your current corpus is sufficient for an immediate retirement and how you can ensure financial security for the long term.

Analyzing Your Current Corpus
Your corpus of Rs 4.75 crores is 35 times your yearly expenses, which is a strong position. This indicates a solid foundation for retirement. However, it's essential to break down your assets to understand their liquidity and growth potential.

Asset Allocation and Liquidity
Your assets are diversified, which is excellent. However, it's crucial to ensure you have enough liquidity for your monthly expenses and unexpected costs. Here's a closer look at your asset allocation:

Equity
Equity investments provide growth potential but come with market volatility. It's vital to have a portion in equity for long-term growth but balance it with stable investments.

Public Provident Fund (PPF) and Provident Fund (PF)
PPF and PF are stable, long-term investments with tax benefits. They offer steady returns but lack liquidity until maturity.

Sukanya Samriddhi Yojana (SSY)
SSY is a great investment for your daughters' future needs. It offers good returns but is locked in until maturity.

Cash-in-Hand (CIH)
Keeping some cash-in-hand is necessary for immediate expenses. Ensure it's a small portion to avoid idle funds.

Fixed Deposits (FD)
FDs provide safety and regular interest income. However, they may not keep pace with inflation.

Gold
Gold is a good hedge against inflation. It offers liquidity and can be used as a safety net during financial downturns.

House
Real estate can appreciate over time but lacks liquidity. It's a long-term investment that shouldn't be relied on for immediate expenses.

Evaluating Your Monthly Expenses
Your monthly expenses of Rs 1 lakh to Rs 1.1 lakh are reasonable given your asset base. However, it's essential to plan for inflation, which will increase your expenses over time. Let's consider an average inflation rate of 5-6% per year and how it impacts your future financial needs.

Inflation Impact
Inflation reduces the purchasing power of your money. Over the next 20-30 years, your expenses will significantly increase. Planning for inflation ensures your corpus can sustain your lifestyle throughout retirement.

Creating a Sustainable Income Stream
Generating a steady income stream from your assets is crucial. Here's a strategy to ensure you have sufficient income to cover your expenses:

Systematic Withdrawal Plans (SWP)
Setting up an SWP in mutual funds can provide regular income. It allows you to withdraw a fixed amount monthly while letting the remaining investment grow.

Dividend-Paying Stocks
Investing in dividend-paying stocks provides regular income along with the potential for capital appreciation. It helps balance growth and income needs.

Debt Instruments
Investing in debt instruments like bonds provides stable returns. They offer regular interest income and are less volatile than equity.

Maintaining an Emergency Fund
An emergency fund equivalent to at least six months of expenses is essential. It ensures you can cover unexpected costs without disrupting your investment strategy.

Tax Planning
Efficient tax planning enhances your returns. Utilize tax-efficient investment options like PPF, PF, and certain mutual funds. Understanding tax implications on your income sources helps optimize your returns.

Health Insurance and Life Insurance
Adequate health insurance is crucial to cover medical expenses. Ensure your policy offers comprehensive coverage for you and your family. Additionally, having life insurance provides financial security for your dependents.

Education and Marriage Planning for Your Children
Planning for your children's education and marriage is vital. Allocating specific investments for these goals ensures you can meet these expenses without impacting your retirement corpus.

Education Planning
Consider the rising cost of education. Investing in dedicated funds for your children's education ensures you have sufficient funds when needed.

Marriage Planning
Marriage expenses can be significant. Planning and investing early for these goals helps spread the cost over time and reduces financial strain.

Reviewing and Rebalancing Your Portfolio
Regularly reviewing and rebalancing your portfolio is essential. It ensures your investments align with your financial goals and risk tolerance. Here's a step-by-step approach:

Annual Review
Conduct an annual review of your portfolio. Assess the performance of your investments and make adjustments as needed.

Rebalancing
Rebalancing involves adjusting your asset allocation to maintain your desired risk level. It helps optimize returns and manage risk.

Long-Term Investment Strategy
A long-term investment strategy focuses on growth and stability. Here's a suggested approach:

Equity for Growth
Allocate a portion of your portfolio to equity for growth. It helps combat inflation and increases your corpus over time.

Debt for Stability
Invest in debt instruments for stability and regular income. It balances the volatility of equity investments.

Gold for Security
Keep a small portion in gold as a hedge against inflation and economic uncertainty. It provides liquidity and safety.

Avoiding Common Pitfalls
Avoid common investment pitfalls to ensure financial security:

Over-Reliance on One Asset Class
Diversify your investments across different asset classes. It reduces risk and enhances returns.

Neglecting Inflation
Always factor in inflation when planning for the future. It ensures your investments can sustain your lifestyle.

Lack of Liquidity
Maintain sufficient liquidity to cover immediate expenses and emergencies. It prevents the need to liquidate long-term investments.

The Importance of Professional Guidance
Consulting a Certified Financial Planner provides valuable insights. Their expertise helps navigate complex financial decisions and optimize your investment strategy. Regular consultations ensure your financial plan remains on track.

Stress Management and Mental Wellbeing
Quitting your job due to work pressure highlights the need for stress management and mental wellbeing. Consider exploring ways to manage stress, such as taking a sabbatical, seeking professional help, or finding a less stressful job within your field.

Potential Alternative Income Sources
Exploring alternative income sources can provide additional financial security. Freelancing, consulting, or part-time work in your field can generate income while allowing for a better work-life balance. This reduces the pressure on your investments to cover all expenses.

Financial Independence and Early Retirement
Achieving financial independence and retiring early (FIRE) requires careful planning. Ensuring your investments can generate enough income to cover your expenses for 30 years is challenging but achievable with the right strategy. Regularly reassess your financial plan to adapt to changing circumstances.

Importance of Lifestyle Adjustments
Consider potential lifestyle adjustments to reduce expenses. Simple changes like cutting unnecessary costs and adopting a frugal lifestyle can significantly extend the longevity of your investments. Balancing enjoyment and financial prudence is key.

Family and Dependents
If you have family or dependents, their needs should be factored into your financial plan. Education, healthcare, and other expenses should be accounted for to ensure their well-being is not compromised.

Estate Planning
Estate planning is crucial for ensuring your assets are distributed according to your wishes. Creating a will, setting up trusts, and nominating beneficiaries for your investments are important steps. This provides peace of mind and clarity for your loved ones.

Final Insights
You have done an excellent job building a robust asset base. With careful planning and strategic investments, you can retire comfortably. Balancing equity, debt, and liquid assets ensures growth and stability. Regular reviews and professional guidance keep your plan on track. Your financial journey is impressive, and with these steps, you can enjoy a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2024

Asked by Anonymous - Jun 14, 2024Hindi
Listen
Money
Hi, I have total asset of 1.83 Lakhs , Equity MF 1.20, Stocks 20, Ppf 25, PF 15 , Gold 3 lakhs , Equity Xirr 17% as on date , I am 40 want to retire immediately, my monthly expenses including all is 1.35 lakhs pm + LIC premium 1.50 Lakhs per anum , if i consider Inflation 7% and span of life 82 -84 years , I have no kids, have dependant aged parents, wife is not working, house wife , i have my parents house ,what's your input regarding current corpus ? Can i retire now? How can i survive till 82 - 84 years based on swp and without doing any job or source of income , Pls advice
Ans: it's a great step that you’re considering your retirement seriously. Given your current financial position, let's analyze whether retiring now is feasible and how you can sustain yourself till the age of 82-84.

Understanding Your Current Financial Position
First, let’s summarize your current assets and liabilities:

Total Assets: Rs 1.83 Lakhs
Equity Mutual Funds: Rs 1.20 Lakhs
Stocks: Rs 20 Lakhs
PPF: Rs 25 Lakhs
PF: Rs 15 Lakhs
Gold: Rs 3 Lakhs
Equity XIRR: 17%
Monthly Expenses: Rs 1.35 Lakhs

LIC Premium: Rs 1.50 Lakhs per annum

Analyzing the Feasibility of Immediate Retirement
Your Current Corpus:

Equity Mutual Funds: Rs 1.20 Lakhs
Stocks: Rs 20 Lakhs
PPF: Rs 25 Lakhs
PF: Rs 15 Lakhs
Gold: Rs 3 Lakhs
Total: Rs 64.20 Lakhs

Your monthly expenses of Rs 1.35 Lakhs translate to Rs 16.20 Lakhs annually. Adding the LIC premium, your total annual requirement is Rs 17.70 Lakhs.

Inflation Impact
Considering a 7% inflation rate, your expenses will increase significantly over time. For instance, if your current annual expenses are Rs 17.70 Lakhs, in 20 years, it will be around Rs 69.23 Lakhs annually due to inflation.

Assessing the Current Corpus
Given your current corpus, it seems challenging to sustain your lifestyle with the given expenses and inflation over the next 40-44 years without additional income.

Systematic Withdrawal Plan (SWP)
To manage your expenses, you can consider an SWP from your equity mutual funds and stocks. However, considering market volatility, relying solely on SWP may not be safe.

Creating a Balanced Portfolio
1. Diversify Investments:

Continue investing in equity mutual funds but also include some debt mutual funds for stability.
Increase investments in fixed-income securities like PPF, NSC, and other government-backed schemes.
2. Increase Fixed Income Investments:

Increase your investment in PPF as it offers stable returns and is tax-free.
Consider Senior Citizen Savings Scheme (SCSS) when you reach the eligible age.
3. Gold Investments:

Consider Sovereign Gold Bonds (SGB) for additional interest income on gold investments.
Emergency Fund
Maintain an emergency fund that covers at least 6-12 months of your living expenses. This ensures you have a buffer for unexpected expenses without disrupting your investment strategy.

Health and Life Insurance
Ensure you have adequate health and life insurance. This protects your financial plan from unexpected medical expenses and ensures your family’s security.

Health Insurance:

Comprehensive coverage is necessary.
Family floater plans to cover your parents and spouse.
Life Insurance:

Ensure your term insurance covers your family’s needs.
Consider increasing your coverage if necessary.
Reviewing and Rebalancing
Regularly review and rebalance your portfolio to stay aligned with your financial goals. Ensure your investments match your risk tolerance and financial needs.

Professional Financial Advice
Consulting a Certified Financial Planner (CFP) can provide personalized advice. A CFP can help create a tailored retirement plan and offer regular monitoring and adjustments.

Income Generation Ideas
Given your high monthly expenses and the need for additional income, consider part-time work or freelance opportunities. This can supplement your income and reduce the pressure on your investments.

Final Insights
Retiring immediately with your current corpus seems challenging due to high monthly expenses and inflation impact. Diversify your investments, increase fixed-income securities, and consider generating additional income. Consulting a Certified Financial Planner for personalized advice is recommended.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7122 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 04, 2024

Money
As on today my investments as follows: 1.2 Cr Equity Market, MFI 2.28 and I have to pay one instalment of 10L to SBI Life pension scheme and expected return 1.4 L per month. My age is 59 years. Medical Insurance is around 50 L.My loan liability is zero. I have house but i promised to my wife, i will rebuild house selling other existing house. I have one set of twins and both are sons. One is Germany got job after completion of PG in engineering and other one in Canada, still lookin for good Job. My responsibility to get my sons marriage and marriage expenses. Recently I started final investment on wife name SBI Life pension scheme and four more years to completed. My question is can i retire and enjoy life.
Ans: Starting retirement with a well-rounded financial plan is achievable at this stage. At 59 years, with your thoughtful investments and zero liability, you’re in a good position. However, certain adjustments may enhance security and stability for your family. Let’s look at a detailed retirement strategy tailored for you.

Assessing Your Current Financial Position
You’ve built a strong foundation with diverse investments. Here’s a breakdown of your assets and responsibilities:

Equity Investment: Rs 1.2 crore. This portfolio can provide growth for the long term, supporting retirement.

Mutual Fund Investment: Rs 2.28 crore. Mutual funds are an excellent source for long-term wealth preservation and growth.

SBI Life Pension Scheme: Expected return of Rs 1.4 lakh per month. This monthly income provides a consistent cash flow during retirement.

Medical Coverage: With Rs 50 lakh in health insurance, you are well-prepared for medical needs.

Debt-Free Status: Zero loan liability gives you financial flexibility and reduces monthly obligations.

Real Estate Plans: You aim to rebuild your current house by selling another property, ensuring a more comfortable home for you and your wife.

Evaluating Your Monthly Income Needs in Retirement
At retirement, it’s essential to estimate your monthly expenses. Your expected pension income is Rs 1.4 lakh per month. It is helpful to:

Estimate Fixed Expenses: This includes groceries, utilities, insurance premiums, and general living costs. Estimate around Rs 40,000–50,000 monthly.

Account for Medical and Emergency Funds: Medical expenses can rise with age. With health insurance, you’re well-covered, but maintaining an emergency fund specifically for out-of-pocket expenses is wise.

Include Leisure and Travel Expenses: Retirement should include enjoyment. Set aside an amount for travel, hobbies, and entertainment.

With an expected pension income of Rs 1.4 lakh per month, you should be able to comfortably meet your monthly expenses and maintain a good lifestyle.

Important Financial Considerations for Retirement
Let’s address key areas that will provide greater financial security and flexibility:

1. Rebalancing Your Investment Portfolio
While equity is excellent for long-term growth, gradual reallocation toward safer assets like debt funds will provide stability.

Debt mutual funds offer consistent returns with less volatility than equity. Consider shifting a portion from equity into debt funds over time.

This reallocation ensures that your portfolio is balanced, with equity providing growth and debt offering capital protection.

2. Finalising Pension Plans
The SBI Life pension scheme with Rs 1.4 lakh per month is an excellent choice for predictable income. However, confirm the tax implications on these monthly payments, as pension income is taxable.

To manage taxes, consider reinvesting any surplus in tax-efficient options like senior citizen saving schemes.

3. Marriage and Other Family Responsibilities
Supporting your sons’ weddings is a future financial goal. Keep a dedicated investment for this purpose, separate from retirement funds.

You could create a conservative mutual fund investment, dedicated to funding these family responsibilities. Debt funds or balanced advantage funds could serve this need well.

4. Medical Insurance and Contingency Planning
At 50 lakh, your health insurance offers robust coverage. Review it periodically to ensure it includes necessary provisions, such as international coverage if needed.

Additionally, set aside a liquid emergency fund. It’s useful for medical expenses not covered by insurance, ensuring peace of mind.

5. SBI Life Pension and Alternative Options
It’s crucial to assess the liquidity of your pension investment. Pension plans sometimes limit early withdrawals, making flexibility limited.

Mutual funds offer better liquidity and flexibility. They allow you to adjust or withdraw as per market conditions and financial needs. Reevaluate the pension scheme if liquidity is a priority.

Benefits of Actively Managed Funds Over Index Funds
While index funds may have low fees, they don’t adapt to market changes. Actively managed funds are more suitable for achieving higher returns in your diversified portfolio. Professional fund managers can:

Adjust the portfolio based on market trends, maximizing returns.

Focus on sectors with higher growth potential, unlike index funds which passively follow the market.

Final Thoughts: Is Retirement Feasible Now?
Given your assets and structured plans, you’re on the right path for a fulfilling retirement. However, consider a few steps to strengthen your position:

Monitor Expenses and Investment Growth: Periodically review both. Ensure that your expenses remain in line with investment growth and returns.

Seek Portfolio Review Every Year: A Certified Financial Planner can help you optimise your investments for changing economic conditions. This regular review ensures continued alignment with retirement goals.

Prepare for Inflation: Over time, inflation will impact living costs. Your equity exposure can provide some protection against inflation.

With these steps in place, you can transition smoothly into retirement and enjoy financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Dr Nandita Palshetkar  |13 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Nov 26, 2024

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Dr Nandita Palshetkar  |13 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Nov 26, 2024

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Health
Hello mam, I am a girl 18years old I had pcod since my period started I got my period when I was 13years that time everything was ok but after few months I was bleeding heavy getting menses 2-3in a month so my mom got very worried and she takes me to a gynaecologist and she prescription and tablets like "novelon"and then I am ok but after that I didn't get my periods for few months and also that time lockdown happened so we can't go to a gynaecologist and then after everything got normal and hospitals we go to the doctor and she asked from how many time you don't get your menses and then I replied from past 6months and she shouted on me and immediately told me to have ultrasound and after seeing the reports she said you have pcod then the rest of the story you know I am still suffering from this disease I don't get my periods if I don't take the tablets now I can't understand what to do even I changed a lot of gynaecologists but nothing happened and they this is a incurable disease you have to take tablets for lifetime and also I am not even financially strong
Ans: Polycystic ovary syndrome (PCOS) is a hormonal condition that can cause irregular or absent menstrual periods.
Higher amounts of androgens in PCOS can interfere with egg development and ovulation, leading to skipped or absent periods.
One of the best ways to cope with PCOS is to maintain a healthy bodyweight, eat nutritious foods and exercise regularly.
LIFESTYLE CHANGES:
Eating healthy foods, exercising regularly, and maintaining a healthy weight can help regulate your menstrual cycle
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Combination oral contraceptives (COCs) can help regulate menstrual periods and treat acne and hirsutism. It can take up to six months to see if birth control is effective.
ANTIESTROGENS:
These medicines can help with skin and hair growth problems
METFORMIN
This diabetes medicine can help control ovulation and androgen levels, which can make menstrual cycles more regular
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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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