Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Anil

Anil Rego  |377 Answers  |Ask -

Financial Planner - Answered on Aug 23, 2023

Anil Rego is the founder of Right Horizons, a financial and wealth management firm. He has 20 years of experience in the field of personal finance.
He’s an expert in income tax and wealth management.
He has completed his CFA/MBA from the ICFAI Business School.... more
Rajkumar Question by Rajkumar on Aug 22, 2023Hindi
Listen
Money

Suggest me regarding sip of Nippon india tax saver fund dividend option sir

Ans: Nippon India Tax Saver has not been a very consistent performer. It has done well considering a 3 year period, but on a 5 year basis and 1 year there are better performing funds in the ELSS segment like SBI LT Equity, HDFC Tax Saver and Kotak Tax Saver that you can choose from if you want to diversify.
If you are in the higher tax bracket, dividend may not be a good option due to the taxability of dividends.
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

Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 08, 2023

Listen
Money
Sir, best SIP to invest in monthly basis having bugest of INR 10 TO 15K.
Ans: I have no idea about your age, future financial goals, your risk profile and your existing investments. So, while giving one suggested solution to you, I’m assuming that you’re young (less than 40 years of age), are open to equity investing, have a long term horizon of at least 7 years or more and would have the nerves to not get unduly perturbed if markets go temporarily down.

Very first point to note is that when you write that you’re investing for 20 years, please do imbibe it into your thinking too that you’re in it for a very long term. Typically, investors change their investing horizon as per the market conditions – if markets remain good, they’re long term players, if markets turn down, they start exiting in panic and become short term players. Please remember that markets will always give great returns only if you ‘spend time in the markets, rather than try timing the market’.

Since you’re just 37 years old, you have a huge age advantage (those younger have even more advantage!) – use it to your benefit. I have no idea about your other investments, your future financial goals and your risk profile (implying how much volatility are you comfortable with in the markets).

So, I’m just giving you a high-equity portfolio which is a long term portfolio but needs to be reviewed and maybe rebalanced every year. I’m also assuming that you have no other funds or equity.
The portfolio that I would suggest is:-
1. Large Cap - 20% of SIP amount - HDFC Index Fund
2. Flexicap – 20% - Parag Parikh Flexicap Fund
3. Midcap – 20% - Kotak Emerging Equity Fund
4. Aggressive Hybrid – 20% - Canara Robeco Equity Hybrid Fund
5. Small Cap – 20% - SBI Small Cap Fund

In the above portfolio, the last, Small Cap category, will be very volatile and you will need to get used to it. If you’re not up to its gyrations, stick to first four with 25% allocation each.

..Read more

Ramalingam

Ramalingam Kalirajan  |7281 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 28, 2024Hindi
Listen
Money
Sir i want to invest in sip my monthly saving will be between 1000 to 2500 Rs please advice.
Ans: It's great that you're looking to start investing through SIPs with your monthly savings! Here's some advice tailored to your budget:

Start Small: Even with a modest monthly savings of Rs. 1000 to 2500, you can begin investing through SIPs. The key is to start early and remain consistent with your contributions.
Choose Low-Cost Funds: Look for mutual funds with low expense ratios, as they minimize the impact of fees on your returns. Opt for direct plans of mutual funds to save on distribution expenses.
Focus on Equity Funds: Given your long-term investment horizon, consider investing in equity mutual funds. These funds have the potential to deliver higher returns over the long run, although they come with higher volatility.
Diversify Your Portfolio: Select a mix of different types of equity funds, such as large-cap, mid-cap, and multi-cap funds, to spread your risk across various market segments. Diversification can help mitigate the impact of market fluctuations.
Stay Invested for the Long Term: SIPs work best when you stay invested for the long term, allowing your investments to benefit from the power of compounding. Aim to invest consistently over several years to maximize your returns.
Review and Adjust: Periodically review your SIP investments to ensure they align with your financial goals and risk tolerance. You may need to adjust your investment strategy based on changes in your financial situation or market conditions.
Stay Informed: Take the time to educate yourself about mutual funds, investment strategies, and market trends. This knowledge will empower you to make informed decisions and stay on track with your financial goals.
Consult a Financial Advisor: If you're unsure about which funds to invest in or how to construct your investment portfolio, consider consulting a financial advisor. They can provide personalized advice based on your financial situation and goals.
By following these tips and starting your SIP journey with discipline and patience, you can gradually build wealth over time and work towards achieving your financial objectives. Remember, every rupee invested today can make a difference in securing your financial future tomorrow.

..Read more

Latest Questions
Dr Shyam

Dr Shyam Jamalabad  |84 Answers  |Ask -

Dentist - Answered on Dec 19, 2024

Asked by Anonymous - Dec 19, 2024Hindi
Health
Hi Doctor, I’ve been hearing a lot about mouthwash and floss lately, and I’m confused about whether I really need to use it. I brush regularly 2 times, but sometimes I feel like my breath isn’t as fresh as I’d like it to be. I also want to keep my teeth strong and prevent any issues with bacteria. Can you tell me if mouthwash is necessary even if I’m already brushing and flossing? If yes, which type of mouthwash would be best for someone like me? I’ve heard that it can sometimes cause mouth sores or sensitivity, so I want to make sure it’s safe for me.
Ans: Hello
I'm happy to know you brush and floss regularly. Please continue to do so.
While poor oral hygiene is the leading cause of bad breath, it is definitely not the only cause. Please be informed that it can be caused by various other factors, too.

Here are some of the most common causes of bad breath, also known as HALITOSIS.

Oral Health Issues
1. _Poor oral hygiene_: Infrequent brushing and flossing can lead to the buildup of bacteria, plaque, and tartar, causing bad breath.
2. _Gingivitis and gum disease_: Inflammation and infection of the gums can cause bad breath.
3. _Tooth decay and cavities_: Bacteria in the mouth can break down food particles, especially sugars, and release volatile sulfur compounds (VSCs) that cause bad breath.

Food and Drinks
1. _Onions and garlic_: These foods contain sulfur compounds that can be released in the mouth and cause bad breath.
2. _Coffee and tobacco_: These substances can dry out the mouth, leading to an increase in bacteria and VSCs.
3. _Spicy or acidic foods_: Foods like citrus fruits, tomatoes, and spicy dishes can irritate the mouth and cause bad breath.

Medical Conditions
1. _Diabetes_: Uncontrolled diabetes can lead to dry mouth, which can contribute to bad breath.
2. _Gastroesophageal reflux disease (GERD)_: Stomach acid can flow up into the mouth, causing bad breath.
3. _Sinus infections and respiratory issues_: Postnasal drip and respiratory infections can cause bad breath.
4. _Kidney disease and liver disease_: These conditions can cause a buildup of toxins in the body, leading to bad breath.

Lifestyle Factors
1. _Smoking and tobacco use_: Tobacco products can dry out the mouth and cause bad breath.
2. _Alcohol consumption_: Excessive alcohol consumption can lead to dry mouth and bad breath.
3. _Medications_: Certain medications, such as antidepressants, antihistamines, and decongestants, can cause dry mouth and bad breath.
4. _Hormonal changes_: Hormonal fluctuations during menstruation, pregnancy, or menopause can lead to bad breath.

Other Factors
1. _Dry mouth_: A lack of saliva can contribute to bad breath.
2. _Mouth breathing_: Breathing through the mouth instead of the nose can dry out the mouth and cause bad breath.
3. _Poor digestion_: Undigested food particles in the stomach can be released into the mouth, causing bad breath.


If you're concerned about bad breath, it's essential to consult your dentist so that he can examine your teeth and gums thoroughly to rule out local factors and address any underlying medical conditions.

Mouthwashes definitely help by keeping the oral bacteria under control. At least temporarily. They mask mouth odours and give you a feeling of freshness.
But the root cause of the problem still needs to be identified and suitably treated. Also, please note that mouthwashes are not a substitute for regular brushing and flossing.
Your dentist will guide you on what mouthwash suits you best depending on your lifestyle, oral hygiene and medical history.
Meanwhile, here are some good attributes to look for in a mouthwash:

Active Ingredients
1. _Antibacterial agents_: Chlorhexidine, triclosan, or essential oils (e.g., tea tree oil) to combat bacteria and plaque.
2. _Anti-inflammatory agents_: Ingredients like aloe vera or chamomile to reduce gum inflammation.
3. _Antifungal agents_: Ingredients like domiphen bromide to combat fungal infections.
4. _Fluoride_: To strengthen tooth enamel and prevent decay.

Additional Benefits
1. _Anti-plaque and anti-gingivitis properties_: To help prevent the buildup of plaque and reduce the risk of gingivitis.
2. _Bad breath prevention_: Ingredients like chlorine dioxide or zinc to help eliminate volatile sulfur compounds (VSCs) that cause bad breath.
3. _Sensitivity relief_: Ingredients like potassium nitrate or strontium chloride to help desensitize nerves and provide relief from tooth sensitivity.
4. _Whitening agents_: Mild abrasives or hydrogen peroxide to help remove surface stains and whiten teeth.

Safety and Comfort
1. _Alcohol-free_: To avoid drying out the mouth and reducing saliva production.
2. _Sugar-free and artificial sweetener-free_: To make the mouthwash suitable for people with dietary restrictions or preferences.
3. _pH balanced_: To ensure the mouthwash doesn't disrupt the natural pH balance of the mouth.
4. _Gentle and non-irritating_: To minimize the risk of mouth irritation, especially for people with sensitive teeth or gums.

...Read more

Dr Shyam

Dr Shyam Jamalabad  |84 Answers  |Ask -

Dentist - Answered on Dec 19, 2024

Asked by Anonymous - Dec 12, 2024Hindi
Listen
Health
Doctor, I’ve recently noticed that my gums bleed a little when I brush, and they feel a little tender, especially around the back. I did some quick research online, and it sounds like it could be gingivitis, but I’m not really sure. I’ve always been pretty regular with brushing, but I might not be doing it thoroughly, and I don’t always floss. I am 38 and was wondering, is it possible for me to treat or even cure gingivitis by myself at home? Should I just start using a specific mouthwash or change my brushing routine? Or is this something I should see a dentist about right away? I’m hoping it’s something simple I can handle without needing a visit to the dentist.
Ans: Mild gingivitis can be treated and managed at home with good oral hygiene practices and some natural remedies. However, if the condition persists or worsens, it's essential to consult a dentist for professional treatment.

Home Treatment and Prevention:

1. *Brushing and Flossing*: Brush your teeth at least twice a day and floss once a day to remove plaque and food particles.
2. *Saltwater Rinse*: Rinse your mouth with warm saltwater several times a day to reduce inflammation and kill bacteria.
3. *Antibacterial Mouthwash*: Use a commercial hydrogen peroxide/chlorhexidine gluconate mouthwash to kill bacteria and reduce inflammation.
4. *Dietary Changes*: Eat a balanced diet rich in fruits, vegetables, and whole grains, and avoid sugary and processed foods.
5. *Vitamin C* plays a significant role in gingival health. So make sure you have fresh citrus fruits (preferably unrefrigerated) on a regular basis. The other option is to take Vitamin C supplements.

When to Consult a Dentist:

1. *Persistent Gingivitis*: If your gingivitis persists despite good oral hygiene practices and home remedies.
2. *Severe Symptoms*: If you experience severe symptoms like bleeding gums, pain, or swelling.
3. *Gum Recession*: If you notice gum recession or exposed roots.
4. *Loose Teeth*: If your teeth become loose or mobile.


Remember, while home treatment and natural remedies can help manage mild gingivitis, regular dental check-ups and professional cleanings are essential to prevent and treat gum disease.

...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