Need Expert Advice?Our Gurus Can Help
Reetika

Reetika Sharma  |628 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Sep 10, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more
Asked by Anonymous - Jul 08, 2025Hindi
Money

Retired non pensioners invest their corpus in mutual funds and shares. It's their income for monthly expenditure. But govt is putting ltcg and stcg while redeeming. How can aged people use income tax benefits like , upto 12 lakh no tax, standard deduction etc. while retired people are not getting pension, how govt can tax on their savings. How this issue to be raised with PM and finance minister. Which forum can represent taxable income for 55+ age group.

Ans: Hi,
I understand it is unjust for a retired, non-earning person to pay STCG or LTCG on profits but it is the way it is.
I see many raising this issue but I think even government is doing only 1 thing at a time.
Let us hope for the best.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
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.
Money

You may like to see similar questions and answers below

Latest Questions
Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |191 Answers  |Ask -

Physiotherapist - Answered on Jun 13, 2026

Asked by Anonymous - Jun 08, 2026Hindi
Health
I have asked this question 3 weeks ago and still no response. Please can someone address this. Hi health expert, I have been struggling with severe health anxiety for many years now. I am currently in my mid-40s and I think this started after a traumatic experience around 10–12 years ago. We had gone on a family vacation and shortly after returning my uncle fell seriously ill. After diagnosis we found out he had advanced stage cancer and we lost him within a few months. The shock of that experience affected me deeply and ever since then I have lived with an intense fear of cancer and serious illness. Even small things like a stomach ache, a pimple, swelling, fever, or any unusual sensation trigger extreme fear in me. I immediately start thinking the worst and it causes sleepless nights and constant worry. This has seriously affected my quality of life. Along with the anxiety, my OCD symptoms also become very intense during these phases. It feels like there’s a voice in my head constantly telling me to perform certain rituals like praying immediately, drinking water at a specific moment, not switching off the AC, or doing random actions “or else” something bad will happen. It becomes mentally exhausting, and at times I struggle to function normally in my daily routine. I have consulted several psychiatrists and psychologists over the years, but I still feel unhappy and stuck. I am reaching out here to ask if anyone has experienced something similar or found anything that genuinely helped whether coping techniques, home remedies, calming practices, or anything else that brought some peace and stability. Basically I am looking for some home remedy and also want to check is this something rare or they are people who goi through this.
Ans: Dear Sir/ Madam. Thank you for reaching out. I am responding as Physiotherapist which is allied health care professional and not as core medical professional. As a physiotherapist, I want you to know that what you're experiencing is not rare many people live with this cycle of health anxiety ..A simple but powerful home remedy is diaphragmatic breathing: inhale slowly for 4 seconds, hold for 2, exhale for 6 seconds, repeating for 5–10 minutes whenever a trigger arises. Progressive muscle relaxation (tensing and releasing each muscle group from toes to head) can also calm your nervous system and break the urge to perform rituals. Gentle, mindful walking outdoors for 15–20 minutes daily helps ground you in physical sensations rather than fearful thoughts. I strongly recommend to also visit a Psychiatrist as well as clinical psychologist specializing in exposure and response prevention (ERP) therapy, which is highly effective for health anxiety. Additionally, consult family physician to rule out any underlying medical issues, which may ease your fears. Keep taking small steps. I wish you quick recovery

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x