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Ramalingam

Ramalingam Kalirajan  |7335 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 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
Sunil Question by Sunil on Jun 27, 2024Hindi
Money

Hi Sir, I have started investing in below mutual funds from the past 3 years Tata Small Cap Fund - Direct Plan - Growth 10k SIP Tata Nifty Midcap 150 Momentum 50 Index Fund - Direct Plan - Growth 10k SIP Aditya Birla Sun Life Frontline Equity Fund -Growth-Direct Plan 10k SIP HSBC Midcap Fund - Direct Growth 10k SIP ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth 10k SIP ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Direct Plan Growth 10k SIP ICICI Prudential India Equity FOF Direct Plan Growth 10k SIP Kotak Flexicap Fund - Direct Growth 10k SIP can you analyze my portfolio and let me know for my 5cr corpus for next 10 years one more question what if I STP of 10k from Tata small cap to Tata nifty, and Tata nifty to Tata small cap will the capital gains taxes can be avoided ?

Ans: Your commitment to investing Rs. 80,000 per month in mutual funds is commendable. Let's analyze your portfolio and see how you can achieve your goal of a Rs. 5 crore corpus in the next 10 years.

Your Current Portfolio
Tata Small Cap Fund - Direct Plan - Growth

Small cap funds offer high growth potential but come with high risk. These funds invest in smaller companies that can deliver high returns but can also be volatile.

Tata Nifty Midcap 150 Momentum 50 Index Fund - Direct Plan - Growth

Index funds track the performance of a specific index. While they offer diversification, they are passively managed and may not outperform actively managed funds.

Aditya Birla Sun Life Frontline Equity Fund - Growth - Direct Plan

This is a large cap fund, investing in well-established companies. Large cap funds provide stability and consistent returns with lower risk compared to small and mid cap funds.

HSBC Midcap Fund - Direct Growth

Mid cap funds invest in medium-sized companies. They offer a balance between risk and return, with potential for good growth.

ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth

Bond funds invest in debt securities and provide stable returns with lower risk. They are suitable for conservative investors looking for regular income.

ICICI Prudential Pharma Healthcare and Diagnostics (P.H.D) Fund Direct Plan Growth

Sectoral funds invest in specific sectors. They offer high growth potential but come with high risk due to lack of diversification.

ICICI Prudential India Equity FOF Direct Plan Growth

Fund of funds (FOF) invest in other mutual funds. They offer diversification but come with higher expense ratios due to multiple layers of management fees.

Kotak Flexicap Fund - Direct Growth

Flexicap funds invest across market capitalizations. They provide flexibility to invest in large, mid, and small cap stocks based on market conditions.

Portfolio Assessment
Your portfolio is diversified across various types of funds. However, it has a high concentration in direct plans and index funds. Let's discuss the disadvantages of direct plans and index funds.

Disadvantages of Direct Plans
Direct plans require active management and knowledge of the market. They may save on commission costs but can be less beneficial if not actively monitored. Investing through a certified financial planner can provide professional advice and better fund selection.

Advantages of Investing Through Mutual Fund Distributors (MFD)
Professional Advice
MFDs provide expert advice and help in selecting the right funds based on your financial goals and risk appetite. They have in-depth market knowledge and experience.

Personalized Portfolio Management
MFDs offer personalized portfolio management. They continuously monitor your portfolio and make adjustments as needed to align with your goals.

Regular Updates and Reviews
MFDs provide regular updates on your investments and conduct periodic reviews. They ensure your investments are on track to meet your financial goals.

Simplified Investment Process
MFDs simplify the investment process. They handle all the paperwork, follow-up, and compliance requirements, saving you time and effort.

Disadvantages of Investing Directly
Lack of Professional Guidance
Investing directly means you miss out on professional guidance. Making informed decisions requires market knowledge, which can be challenging for individual investors.

Higher Risk of Mistakes
Without professional advice, the risk of making investment mistakes increases. Wrong fund selection or timing can lead to suboptimal returns.

Time-Consuming
Managing investments directly is time-consuming. It requires continuous monitoring and adjusting based on market conditions, which can be challenging for busy professionals.

Emotional Biases
Investing directly can lead to emotional biases. Fear and greed can drive decisions, leading to poor investment choices.

Disadvantages of Index Funds
Index funds are passively managed and may not outperform actively managed funds. They strictly follow the index, which means they can miss out on opportunities to outperform the market. Actively managed funds, on the other hand, have professional fund managers aiming to beat the market.

Investment Strategy for Rs. 5 Crore Corpus
Achieving a Rs. 5 crore corpus in 10 years requires disciplined investing and a well-planned strategy.

Maintain a Balanced Portfolio
Balance your portfolio with a mix of equity and debt funds. Equity funds provide high returns, while debt funds offer stability.

Equity Funds

Allocate a significant portion to equity funds for high growth potential. Include a mix of large cap, mid cap, and small cap funds. Flexicap funds can provide flexibility to adjust based on market conditions.

Debt Funds

Include debt funds for stability and regular income. They reduce overall portfolio risk and provide cushion during market volatility.

Systematic Investment Plan (SIP)
Continue your SIPs to ensure disciplined investing. SIPs help in averaging out the cost of investment and reduce the impact of market volatility.

Diversify Across Fund Houses
Diversifying across different fund houses reduces risk. Different fund houses have different management styles and performance records.

Regular Review and Rebalancing
Review your portfolio regularly and rebalance if needed. Market conditions change, and rebalancing ensures your portfolio stays aligned with your goals.

Avoid Frequent Switching
Frequent switching between funds can lead to capital gains taxes and exit loads. Stick to your investment plan and make changes only if necessary.

Understanding Systematic Transfer Plan (STP) and Tax Implications
STP allows transferring a fixed amount from one mutual fund to another regularly. It helps in averaging out the investment cost.

STP from Tata Small Cap to Tata Nifty

If you use STP to transfer funds, it is considered a redemption from one fund and an investment in another. This triggers capital gains taxes.

Capital Gains Taxes

Short-term capital gains (STCG) for equity funds are taxed at 15%. Long-term capital gains (LTCG) above Rs. 1 lakh per year are taxed at 10%. For hybrid debt funds, STCG is taxed as per your income tax slab, and LTCG is taxed at 20% with indexation benefits.

Avoid frequent STPs to minimize tax liabilities. Stick to your long-term investment plan.

Power of Compounding
Compounding is your best friend in long-term investing. The returns on your investments generate additional returns, leading to exponential growth.

Example of Compounding
If you invest Rs. 10,000 per month in an equity fund with an average annual return of 12%, in 10 years, your investment grows significantly due to compounding. The longer you stay invested, the more powerful the compounding effect.

Mutual Funds: Categories, Advantages, and Risks
Large Cap Funds

Invest in well-established companies
Offer stability and consistent returns
Lower risk compared to small and mid cap funds
Mid Cap Funds

Invest in medium-sized companies
Balance between risk and return
Potential for good growth
Small Cap Funds

Invest in smaller companies
High growth potential but high risk
Suitable for aggressive investors
Debt Funds

Invest in fixed-income securities
Provide stable returns with lower risk
Suitable for conservative investors
Hybrid Funds

Mix of equity and debt funds
Balance between risk and return
Flexibility to adjust based on market conditions
Sectoral Funds

Invest in specific sectors
High growth potential but high risk
Lack of diversification
Fund of Funds (FOF)

Invest in other mutual funds
Offer diversification
Higher expense ratios due to multiple layers of fees
Final Insights
Your disciplined investment in mutual funds is impressive. To achieve a Rs. 5 crore corpus, maintain a balanced portfolio, continue your SIPs, and avoid frequent switching to minimize tax liabilities. Regularly review and rebalance your portfolio to stay aligned with your goals.

Avoid direct and index funds for better professional management and potential outperformance. Utilize the power of compounding by staying invested for the long term.

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 Kalirajan  |7335 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 30, 2024

Asked by Anonymous - May 30, 2023Hindi
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Sir, I started investing in mutual funds as SIP ten year back and here are the funds which I am investing. Please take a look and let me know if I need to do any changes in my portfolio. I am planning to invest for a period of 10 years. I want approximately corpus 1 cr after 10 year Also suggest me if I need to do any changes in my portfolio. SBI Small Cap Fund Regular Growth 2000 SBI Long Term Equity Fund 1000 SBI Equity Hybrid Fund Regular 1000 Motilal Oswal Midcap 30 1000 L&T Tax Advantage Fund - Growth 1000 HDFC Top 100 Fund - Regular Plan 1000 DSP Top 100 Equity Fund - Regular 1000 DSP Tax Saver Fund - Regular Plan - 3000 Axis Bluechip Fund - Regular 3000 Axis Flexi Cap Fund - Regular Growth 2000 DSP US Flexible Equity Fund - Gr 1000
Ans: Congratulations on consistently investing in mutual funds through SIPs for the last ten years. This discipline is commendable and crucial for wealth creation. Your goal of building a Rs. 1 crore corpus in the next ten years is achievable with a well-balanced and strategic portfolio. Let’s review your current portfolio and suggest necessary adjustments.

Portfolio Review and Assessment
Current Portfolio
SBI Small Cap Fund Regular Growth: Rs. 2000
SBI Long Term Equity Fund: Rs. 1000
SBI Equity Hybrid Fund Regular: Rs. 1000
Motilal Oswal Midcap 30: Rs. 1000
L&T Tax Advantage Fund - Growth: Rs. 1000
HDFC Top 100 Fund - Regular Plan: Rs. 1000
DSP Top 100 Equity Fund - Regular: Rs. 1000
DSP Tax Saver Fund - Regular Plan: Rs. 3000
Axis Bluechip Fund - Regular: Rs. 3000
Axis Flexi Cap Fund - Regular Growth: Rs. 2000
DSP US Flexible Equity Fund - Growth: Rs. 1000
Diversification and Fund Overlap
Analysis of Fund Types
Small Cap Fund: SBI Small Cap Fund
ELSS Funds: SBI Long Term Equity Fund, DSP Tax Saver Fund, L&T Tax Advantage Fund
Hybrid Fund: SBI Equity Hybrid Fund
Midcap Fund: Motilal Oswal Midcap 30
Large Cap Funds: HDFC Top 100 Fund, DSP Top 100 Equity Fund, Axis Bluechip Fund
Flexi Cap Funds: Axis Flexi Cap Fund
International Fund: DSP US Flexible Equity Fund
Suggested Changes
Reducing Redundancies
Your portfolio has multiple funds in similar categories, which might lead to overlapping. Reducing the number of funds can streamline your portfolio and enhance returns. Here are some suggestions:

Consolidate Large Cap Funds: You have three large cap funds (HDFC Top 100, DSP Top 100, Axis Bluechip). Choose the best performer and consolidate the investment.

Consolidate ELSS Funds: You have three ELSS funds (SBI Long Term Equity, DSP Tax Saver, L&T Tax Advantage). Pick one or two with the best performance and consistency.

Review Hybrid Fund: Hybrid funds provide balanced exposure. Evaluate if the SBI Equity Hybrid Fund aligns with your risk profile and goals. If not, consider redirecting this investment to better-performing equity funds.

Strategic Allocation
Balanced Allocation
Equity Funds: Focus on a mix of large cap, mid cap, and small cap funds for growth potential. A well-diversified portfolio can mitigate risks while maximizing returns.

Tax Saving: Continue with one or two ELSS funds for tax saving under Section 80C.

International Exposure: Retain a portion in international funds like DSP US Flexible Equity to diversify geographical risks.

Sample Rebalanced Portfolio
Large Cap: Choose one or two from HDFC Top 100 Fund, DSP Top 100 Equity Fund, Axis Bluechip Fund (Rs. 6000)

Mid Cap: Continue with Motilal Oswal Midcap 30 (Rs. 1000)

Small Cap: Continue with SBI Small Cap Fund (Rs. 2000)

Flexi Cap: Continue with Axis Flexi Cap Fund (Rs. 2000)

Tax Saving (ELSS): Select one or two from SBI Long Term Equity Fund, DSP Tax Saver Fund, L&T Tax Advantage Fund (Rs. 4000)

International Fund: Continue with DSP US Flexible Equity Fund (Rs. 1000)

Planning for Rs. 1 Crore Corpus
Regular Review
Monitor your portfolio regularly. Track the performance of your funds at least once a year and make adjustments as needed. Consistent review ensures alignment with your goals and market changes.

Increase SIP Amount Gradually
To achieve a corpus of Rs. 1 crore in ten years, consider gradually increasing your SIP amount. As your income grows, scaling up your investments can significantly impact your corpus.

Role of a Certified Financial Planner
A Certified Financial Planner (CFP) can provide personalized advice. They can help create a customized roadmap, considering your risk profile, goals, and market conditions. Consulting a CFP ensures your investments align with your financial objectives and market dynamics.

Systematic Withdrawal Plan (SWP)
For future planning, consider a Systematic Withdrawal Plan (SWP) during retirement. SWP allows you to withdraw a fixed amount regularly from your mutual fund investments. This provides a steady income while keeping the principal invested, ensuring continued growth.

Conclusion
Your disciplined investment approach is commendable. By streamlining your portfolio, focusing on well-performing funds, and regularly reviewing your investments, you can achieve your goal of a Rs. 1 crore corpus. Consult a Certified Financial Planner to tailor your strategy further.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7335 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 2024

Listen
Money
Thank you Dev, for considering my previous question, Dev. i have one more inquiry. This pertains to my long-term investment portfolio, which I've been managing since 2018. Previously, I was using a broker's services, but I've since transitioned to direct funds, I have allocated approximately 19.5 lakhs into the following mutual funds through a systematic investment plan (SIP) over the course of 5 years (starting in 2018-Dec). As of the current date, the total corpus stands at around Rs. 28.4 lakhs, with an XIRR of 15.4%. I have been investing in these funds through a broker and this i have stopped now and now doing it direct mutual funds . My intention is to leave the previous one untouched for another 5 years, using them to finance the construction of my house. Could you please confirm whether I should make any adjustments to this investment if I choose to maintain the status ? What could be the approximate corpus can i assume in next 5 years for it ? below are the funds, where i have invested which shows current XIRR against each with overall XIRR 15.4% Axis Bluechip Reg-G 9.8% ICICI Pru Bluechip Reg-G 19.6% SBI Bluechip Reg-G 16.1% Axis Focused 25 Reg-G 13.4% Axis Midcap Reg-G 19.0% DSP US Flexible Eqt Reg-G 10.6% ICICI Pru Tech Reg-G 24.5% Kotak Flexicap Reg-G 17.2% Mirae Asset Emrgng Bluechip Reg-G 21.5% PGIM Ind Flexi Cap Reg-G 14.1% Out of total 19 .75 lakh invested, this is breakdown of Categorization Large-cap Rs. 8 lakh Mid-Cap Rs. 1.9 lakh Mid&large-cap Rs. 1.35lakh Flexi-Cap is 5.31 lakh International is 1 lakh IT-sector : 2 lakh
Ans: It's essential to acknowledge your decision to transition to direct mutual funds. However, direct mutual funds require more active management and may not offer the same level of handholding as investments made through a broker. Given the importance of your long-term investment portfolio, it might be worth considering whether the potential benefits of lower expense ratios outweigh the need for professional guidance and advice.

Regarding your current investment allocation, maintaining the status quo may seem reasonable, especially with an XIRR of 15.4%. However, it's crucial to reassess your portfolio periodically and ensure it aligns with your financial goals and risk tolerance.

As for the potential corpus in the next five years, historical performance suggests it could grow to around Rs. 56 lakhs, assuming a similar XIRR. Nevertheless, market conditions can change, and actual returns may differ from projections. Regular monitoring and adjustments to your portfolio may be necessary to stay on track with your objectives.

Consider seeking advice from a certified financial planner who can offer personalized guidance tailored to your specific circumstances and goals. They can help you navigate the complexities of investing and make informed decisions to optimize your portfolio's performance.

..Read more

Ramalingam

Ramalingam Kalirajan  |7335 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 20, 2024

Money
Hello Sir I have SIP in follwing funds( all are direct fund) 1. HDFC Large and Mid Cap fund 4000 2. UTI fifty Nifty 50 index 4000 3. Motial Oswal midcap 3000 4. Quant Mid cap 3000 5. Nippon India small cap 5000 6. HDFC flexi cap 3000 7. Parag parik flexi cap 3000 8. HDFC balanced advantage fund 3000 9. ICICI prudential multi asseet 3000 10. Mirae asset large and mid cap 1500 Kindky review my portfolio i want to stay invested for next 12 years and build corpuse of 1 Crore
Ans: You have a well-diversified SIP portfolio with exposure to large-cap, mid-cap, small-cap, and multi-cap funds. Your goal of building a Rs 1 crore corpus in 12 years is achievable with a disciplined approach. Let’s go through each aspect of your portfolio, identify areas for improvement, and suggest ways to optimize it.

Portfolio Diversification

Your portfolio is diversified across different fund categories. This reduces risk and enhances the potential for growth. Diversification is crucial because it spreads your investments across various segments of the market. This approach helps balance the volatility in the equity market.

However, there’s a slight overlap between some of your funds. For instance, having multiple mid-cap and flexi-cap funds may lead to duplication. While diversification is good, too much overlap can dilute the effectiveness of your investments. It’s better to streamline your portfolio by reducing redundancy.

Review of Direct Funds

You have chosen direct funds, which offer lower expense ratios compared to regular funds. This is cost-effective, but it comes with the responsibility of monitoring and managing your investments on your own. While this saves costs, direct funds may not always be the best choice for everyone.

Investing through a Mutual Fund Distributor (MFD) who is a Certified Financial Planner (CFP) has its advantages. A CFP can provide personalized advice, regular portfolio reviews, and strategic rebalancing. This ensures your investments align with your financial goals. Additionally, regular funds provide access to expert guidance, which can enhance your portfolio's performance over the long term.

Active vs. Passive Investing

You have included an index fund in your portfolio. While index funds offer low-cost exposure to the market, they merely track an index and do not seek to outperform it. This can be a limitation when markets are volatile or when specific sectors outperform others.

Actively managed funds, on the other hand, have fund managers who aim to beat the market by selecting high-performing stocks. This approach can potentially yield higher returns. Given your long-term horizon, focusing on actively managed funds might be more beneficial. They can provide better returns by leveraging the expertise of seasoned fund managers.

Fund Allocation and Investment Strategy

Your portfolio includes a mix of large-cap, mid-cap, small-cap, flexi-cap, balanced advantage, and multi-asset funds. Let’s assess each category:

Large-Cap Funds: These funds provide stability and steady growth. They are less volatile compared to mid-cap and small-cap funds. Keeping a reasonable allocation in large-cap funds is wise, as they form the core of your portfolio.

Mid-Cap and Small-Cap Funds: These funds offer higher growth potential but come with increased volatility. While you have exposure to both, consider consolidating into fewer funds. This will reduce overlap and enhance the effectiveness of your investments.

Flexi-Cap Funds: These funds offer flexibility by investing across market capitalizations. They can adjust their allocations based on market conditions. Having one or two well-performing flexi-cap funds is sufficient.

Balanced Advantage Funds: These funds provide a balance between equity and debt. They are suitable for investors seeking moderate risk and returns. Continue with these for portfolio stability.

Multi-Asset Funds: These funds diversify across asset classes like equity, debt, and gold. They provide a hedge against market volatility. Keep a portion of your investment here to reduce risk during market downturns.

Streamlining Your Portfolio

To optimize your portfolio, consider the following steps:

Reduce Overlap: Consolidate your investments in mid-cap and small-cap funds. Instead of spreading your investments thinly across multiple funds, focus on a few that have consistently performed well. This will help you concentrate your capital in funds that are likely to generate better returns.

Focus on Performance: While selecting funds, look for consistent performance over the long term. Evaluate the fund’s track record, the expertise of the fund manager, and the investment strategy. Choose funds that align with your risk tolerance and financial goals.

Increase Allocation to High Growth Funds: Given your 12-year investment horizon, consider increasing your allocation to high-growth funds. This includes mid-cap, small-cap, and flexi-cap funds that have the potential to outperform over time. However, ensure you are comfortable with the higher risk associated with these funds.

Periodic Review and Rebalancing: Regularly review your portfolio to assess its performance and make adjustments as needed. Market conditions change, and so should your portfolio. Rebalancing ensures that your portfolio stays aligned with your goals and risk appetite.

Building the Rs 1 Crore Corpus

To achieve a corpus of Rs 1 crore in 12 years, you need to maintain a disciplined investment approach. Here’s a strategic plan:

Increase SIP Amounts Gradually: As your income grows, consider increasing your SIP amounts. Even a small increase in SIPs can significantly impact your corpus over time. This strategy leverages the power of compounding and helps you stay on track to meet your Rs 1 crore target.

Stay Invested During Market Volatility: Markets will have ups and downs. It’s important to stay invested during these times. Exiting during downturns can result in missed opportunities for growth when markets recover. Patience and discipline are key to achieving long-term financial goals.

Focus on Long-Term Growth: Avoid the temptation to chase short-term gains. Stick to your long-term investment strategy. Over time, equities have the potential to outperform other asset classes. By staying invested, you allow your investments to grow and compound.

Risk Management and Asset Allocation

Managing risk is crucial as you build your corpus. Here’s how to approach it:

Diversify Across Asset Classes: While equity should form the core of your portfolio, consider diversifying into debt and gold. This reduces the overall risk of your portfolio. Allocate a portion to safer assets like debt funds, which provide stability during market downturns.

Emergency Fund: Ensure you have an emergency fund in place. This should cover at least 6 months of living expenses. It acts as a financial safety net and prevents you from liquidating your investments during emergencies.

Insurance Coverage: Adequate insurance coverage is essential. Review your life and health insurance policies to ensure they are sufficient. This protects your family’s financial future and ensures that your savings are not eroded by unforeseen events.

Final Insights

Your portfolio is on the right track, but there is room for improvement. By streamlining your investments, focusing on high-performing funds, and maintaining a disciplined investment approach, you can achieve your Rs 1 crore goal in 12 years. Remember, the key to successful investing is consistency, patience, and regular portfolio reviews.

Stay focused on your long-term goals, and with the right strategy, you will be well on your way to building the wealth you desire.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
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Dr, I’m 35 years old from Jamnagar, and my husband and I have been trying for a baby for the past year, but nothing seems to be working. I recently visited a fertility clinic in neighborhood , and after a few tests, they mentioned that I might have blocked fallopian tubes. The gynaec also talked about possible treatments like surgery or IVF, but I’m really confused and worried. Should I go for a laparoscopy to check the severity, or are there any other alternatives that could help me? I’m really anxious and just want to understand my options better before making any decisions.
Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
This procedure if successful can avoid IVF procedure. Laparoscopy has…
Yes, before ivf get all your blood test, ecg, 2 D echo, xray chest to rule out any illness
Same with your husband to get semen analysis and viral markers with blood sugars to be done.

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Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 17, 2024Hindi
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Health
Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
The mainstay treatment. For pcos is lifestyle changes
1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
4) stress management: yoga meditation, breathing exercise
5) supplements to controls effects of pcos
6) low dose OC PILLS TO regularize the cycles

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Nayagam P

Nayagam P P  |3996 Answers  |Ask -

Career Counsellor - Answered on Dec 26, 2024

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Career
Hello, i have 26 yrs of experience in the IT industry, and currently working as a consultant technical manager for important projects in several drdo labs in Hyderabad for the past few years. Despite being handson in coding, system design, I am also responsible for team management, deliverables, requirement analysis, and stakeholder management. I have an executive MBA from xlri and certification from pmi. Being 54 years of age, what are my options? Are there opportunities for people in the 50s? How about remote work or freelancing opportunities? I kind of find myself stuck and would like to explore opportunities. Any ideas? how to stay relevant in this ever changing world of technology?
Ans: Sumit Sir,
54-year-old with a strong background in the IT field, high-stakes projects, and an Executive MBA from XLRI can still stay relevant and look for opportunities. You can try for freelance consulting, work from home, coach, mentor, and train businesses in Agile methods, stakeholder handling, and team leadership.

To stay current, you can move into academic or research roles as an adjunct professor, work on research projects with universities or think tanks, or start your own business as a niche consultant.

To look for opportunities, make your LinkedIn profile stand out, share stories or insights, actively network, upskill strategically, and build a portfolio. Being old is an asset, but it's important to use it as a unique selling point and be flexible to stay competitive. By carefully using your skills and experience, you can open up many good opportunities and continue to thrive in the ever-changing tech world. All The Best for Your Prosperous Future.

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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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