Is NPS of 50000 and employer contribution upto 10% of basic is available in the new regime?

Ans: Hello.
To which tests your son appeared is not mentioned by you. I am assuming that he may be based to appear for either an IQ test or a DMIT Test. I would like to say that there is no need to 100% trust these tests. The results of these tests depend on the mindset of a student at that time. These tests are never 100% correct. Hence there is no need to worry about the results of these tests and what the counselor has told you.
Here are some key points on which you can work:
(1) Please ask his school teachers about his subject understanding.
(2) Please take an overall review of maths and science subjects from an understanding point of view only.
(3) Have an open talk with your son about his interest either in mathematics or biology.
(4) If possible, try to make an interaction with senior students who are preparing for JEE or NEET.
(5) Even though the coaching is now focussing either on PCM or PCB groups, it is advisable to take all 4 subjects PCMB in the 11th standard.
(6) Take a trial for at least 2 initial months in 11th standard for maths and biology subjects.
(7) Your son will automatically tell his interest in either engineering or medicine.
(8) Don't force your willingness on him to prepare for NEET.
(9) Based on the final decision, you may think of integrated courses.
(10) Your's sons interest matters more. If he is firm to go for NEET, then motivate him and keep the results of counselor tests aside.
Best of luck to your son for his bright future.

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Ans: Every source of protein is somewhat different from other sources. The key is balanced approach. Even if one eat paneer and it has fat, we need fat also in the diet.
Then, the taste is also a factor.

Weight loss diets are designed as per health need of the person. There are very low calories Diet (VLCD) to a range of diets such as intermittent fasting.

Consult a physician and a qualified dietitian to discuss specifics.


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

Ans: Hello Meghanasagr.
It would be best to roll back from the NEET examination and consider other career options available.. Even you should think about the partial drop. You have a lot of options for commercial UG courses. Please find your liking and make a wise decision. Along with the UG, you can join some certificate courses that will boost your career and give you a flying kick-start. Best of luck for your upcoming future.

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Ans: As you have mentioned that you have diabetes for last 10 years. I am not sure how many oral anti diabetic drugs you are taking. Since it is fairly long duration since first detection, it is less likely to control diabetes without medication.

The people who are within five years of detection, are on two or less oral antidiabetic drugs and who have HbA1C are better fit for remission. However, in your case, it is possible.

Please provide details about your diabetes, weight, height, lifestyle.

There are three pronged approaches to control diabetes : medications, physical activity and diet (and also in extended way sleep and mental health). If we can improve on other aspects, the need for medication can be reduced.


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

Ans: Hello.
You are eligible to appear for the NEET Examination.

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Radheshyam

Ans: Eat a lot of fruits (specially non sugary ones) and vegetables. Your 60% of food plat should have these including raw and boiled vegetables and multicoloured fruits.

Reduce all form of added and refined sugars and fructose containing items. Prefer home made meals and anything which comes in packages should be avoided.

Eat 70% of your stomach's capacity. Stop much before you feel full.

drink water before starting any meal.

Use smaller/quarter plates for lunch and dinner and do not go for second serve.

eat almonds and walnuts for snacks.

You should be fine.

For uric acid, can start some medication for shorter duration. Consult a physician.

Dietary modification and physical activity are key to control Cholesterol and TG.

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

Ans: I believe you do not have any other health issue.
Please take a lot of food with high fibre content. You can take curd and some probiotic in the meals.

Consider some digestive enzymes which are available in market.

Over period of time, it should be okay.


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

Ans: Four to five days a week but how much alcohol every day?

I am not sure about your age and for how long you are drinking? The liver and other organs are affected over a period of time. The changes are also determined by family history and genetic factors.

My advise would be to reduce alochol consumption and preferably, stop completely.
In some countries, alcohol bottles carries the warning that it can cause liver cancer; very simialr ways the cigarette packs have warnings.
Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty practice
Safdarjung Enclave, New Delhi

Ans: To achieve a Rs 2 crore corpus by age 45, an SIP of Rs 60,000 per month with a 10% annual increase is indeed a strategic approach. Here’s how this plan can align with your target.

Calculating Your Path to Rs 2 Crore
Current SIP Investment: With a starting SIP of Rs 60,000 per month at a 12% CAGR, your investments have the potential to grow substantially over time.

Annual Step-Up: Increasing your SIP by 10% each year harnesses the power of compounding, helping you reach your goal faster. This incremental increase supports growth to match inflation and your rising income.

Expected Growth Rate: With a 12% CAGR, a disciplined 10-year investment horizon should help you accumulate approximately Rs 2 crore. This CAGR is reasonable for equity mutual funds based on historical performance.

Practical Benefits of This Strategy
Power of Compounding: The combination of a 10% step-up and 12% CAGR significantly accelerates growth, turning monthly contributions into substantial wealth over 10 years.

Simplicity in Execution: A single SIP contribution with a systematic increase each year streamlines your investment process, making it easier to manage.

Steps for Success
Commit to the Annual Step-Up: Consistently increasing SIP contributions is crucial. Even during years with market volatility, stick to the increase for long-term gains.

Portfolio Review with a Certified Financial Planner: Annual reviews ensure your portfolio remains aligned with your goals, especially as you approach the 10-year mark.

Final Insights
An SIP of Rs 60,000 with a 10% annual increase and 12% CAGR is a robust plan for reaching Rs 2 crore in 10 years. With disciplined investing and regular review, this strategy should help you reach your financial target by age 45.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,

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