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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Sep 20, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Asked by Anonymous - Jun 23, 2023Hindi
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what financial advice would you give to a single person of 55 years with not so good health and a corpus of 2.5 crores (real estate, share, mfs) and no liabilities except bad health and loneliness and nobody to help in case of illness

Ans: Since we were young, we have been told that health is wealth, and right now, prioritizing your health should be your top priority.

You also don’t have any liability or goals, which needs to be catered. Hence, your major expenses should be towards building up your physical health and well-being.

You can also be a part of social clubs where people like you get together to spend quality time by interacting with each other. The main aim is to take care of your health and lifestyle with other people of your age.

You can also engage a nurse who will take care of you on a daily basis to ensure that you receive good medical treatment and that your health is regularly monitored.

Last and most important, prepare a WILL to appoint a legal heir to transfer your assets in your absence. Your legal heir could be anyone, an individual, trust, NGO and others.
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  |7336 Answers  |Ask -

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

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Good afternoon. I am a retired government officer (Army Doctor) and have opened my own clinic recently. Income from the clinic is not significant as on date . Having approx ?90 lakhs in Mutual funds and invest in SIP ?20000/- per month. I have ?1Cr in FD, ? 30 lakhs in Senior Citizen Savings Scheme. Liquid cash in in bank accounts is around ? 35blakhs. I have 2 houses of which for 1 house is on rent for ?28000/- and 1 house I am paying EMI of ?35000/- and is self occupied. My pension being credited to bank is ?115000/-. I am 59y and my spouse is 54y. We don't have any children and health is covered by ECHS. Have my in laws and mother dependent. In laws covered by CGHS and mother by ECHS. Mother has a house in Kolkata self occupied. Father in law is drawing pension of ?70000/- pm. His FD and cash assets is ?60 lakhs. What is my financial health?
Ans: Good afternoon! It sounds like you've put a lot of thought into your financial setup, which is great. Let's break down your current financial situation.

Your assets include approximately ?90 lakhs in mutual funds, which is a substantial investment, along with ?1 crore in fixed deposits, and ?30 lakhs in the Senior Citizen Savings Scheme. Additionally, you have liquid cash of around ?35 lakhs, providing a comfortable cushion for any immediate expenses or emergencies.

Property-wise, you have two houses, one generating rental income of ?28,000 per month and the other being self-occupied with an EMI of ?35,000. Rental income is a reliable source of passive income, and your property investments seem well-balanced.

Your pension income of ?1,15,000 per month provides a stable cash flow, complemented by your spouse's financial support. Health coverage through ECHS and CGHS for your dependents is a significant relief, ensuring medical expenses are taken care of.

Considering your age and circumstances, it's prudent to assess your investment strategy and ensure it aligns with your long-term goals, especially with retirement looming. You may want to evaluate the performance of your mutual funds and explore diversification options to mitigate risk.

Your in-laws' financial stability, with a pension of ?70,000 per month and assets worth ?60 lakhs, adds a layer of security to your family's overall financial health.

In summary, your financial health appears robust, with a diverse portfolio of investments, stable income streams, and adequate provisions for healthcare and dependents. As you approach retirement, continued vigilance and periodic reviews of your financial plan will help maintain and enhance your financial well-being.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

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I am a 52 year, Disabled Ex-Serviceman. My earning is 1 lakh /month. My Savings: PPF 30 Lakh(14 years running). FD 40 lakhs. MF one time investment 2.5 lakh (total value present). Medical insurance for 7 lakhs (26000.00 /yearly premium). No loan. Own ancestral property. Liquid cash in SB AC- 30 LKS. ONLY SON 16 years. Please guide me for my future planning.
Ans: Current Financial Situation
Age: 52 years

Status: Disabled Ex-Serviceman

Monthly Income: Rs. 1 lakh

Savings and Investments:

PPF: Rs. 30 lakhs (14 years running)
Fixed Deposit (FD): Rs. 40 lakhs
Mutual Funds (one-time investment): Rs. 2.5 lakhs (current value)
Medical Insurance: Rs. 7 lakhs (Rs. 26,000/year premium)
Liquid Cash in Savings Account: Rs. 30 lakhs
Other Assets: Own ancestral property

Dependents: Only son, 16 years old

Retirement and Future Planning
Assess Current Investments
PPF: Continue for another 1 year to complete the 15-year term.
Fixed Deposit: Provides safety but low returns.
Mutual Funds: Limited exposure currently.
Goals and Financial Planning
Goal 1: Retirement Corpus

Monthly Expenses: Estimate Rs. 50,000 per month post-retirement.
Inflation: Consider inflation at 7%.
Goal 2: Son's Higher Education

Duration: Plan for expenses in the next 2 years.
Goal 3: Medical and Health Security

Medical Insurance: Adequate but can consider increasing coverage.
Recommendations
PPF and Fixed Deposits
PPF: Continue till maturity. Re-invest maturity amount in diversified mutual funds.
Fixed Deposits: Gradually shift a portion to mutual funds for better returns.
Mutual Funds
Diversified Mutual Funds: Increase allocation for higher returns. Opt for SIPs to manage market volatility.
Lumpsum Investment: Use Rs. 30 lakhs liquid cash to start a combination of SIPs and STPs.
Insurance and Health Coverage
Medical Insurance: Increase coverage to at least Rs. 10 lakhs.
Term Insurance: Ensure you have adequate life cover to secure your son's future.
Education Planning
SIP for Education: Start an SIP dedicated to your son's higher education expenses.
Goal-Based Funds: Choose funds that align with the education timeline.
Investment Strategy
Regular Contributions
SIP: Allocate Rs. 20,000 per month from your income.
Diversification: Invest in a mix of equity and debt funds.
Lumpsum Strategy
Liquid Cash Utilisation: Invest Rs. 15 lakhs in equity mutual funds via STP over 12 months.
Balance FD: Keep Rs. 25 lakhs in FD for immediate liquidity and safety.
Long-Term Investments
PPF and SSY for Son: Invest in PPF for your son and consider SSY if eligible.
Financial Security and Contingency Planning
Emergency Fund
Maintain: Rs. 10 lakhs as an emergency fund in a liquid account.
Contingency Planning
Review Insurances: Regularly review your insurance needs.
Will and Estate Planning: Ensure your will is updated and includes all assets.
Final Insights
Balancing safety with growth is key. Increase your equity exposure gradually for better returns. Ensure your son's education and your retirement are well-funded. Regular reviews and adjustments will help you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 29, 2024

Asked by Anonymous - Oct 28, 2024Hindi
Money
Iam 50 yrs old,widow.I have 2 kids,both are doing graduation.Iam working in health care in contract basis.I have my own house.15 laks savings,2 Lic policies of 10 and 8 Lakh and some gold worth 3 lakhs.My salary is 40k. Pls give me a financial guidance
Ans: At 50, you have a significant responsibility as a widow with two children in college.

You have a home, which provides security and stability, and savings of Rs 15 lakh, two LIC policies, and some gold.

Your income is Rs 40,000 per month from contract work in healthcare.

Given your position, here’s a comprehensive financial guide to support your goals and build security for you and your children’s future.

Build an Emergency Fund

Setting up an emergency fund is a priority to cover any unforeseen expenses.

This should equal 6–12 months of essential expenses, ensuring you have a cushion if you face job uncertainties.

Consider liquid funds for this purpose, as they offer easy access and moderate returns.

Review Existing LIC Policies

You currently hold LIC policies of Rs 10 lakh and Rs 8 lakh.

Insurance policies are traditionally low in returns, especially if they are investment-oriented.

To maximize returns, consider surrendering these and reinvesting in mutual funds, if they don’t have significant penalties or surrender charges.

Reinvesting these into well-chosen, actively managed mutual funds could yield better growth, helping meet your financial needs more effectively.

Optimise Savings for Growth

To make the most of your Rs 15 lakh savings, consider dividing the amount into various investment avenues.

Fixed Deposits (FDs) are safe but have limited growth potential. A mix of debt and equity mutual funds can offer better returns.

Debt funds are ideal for stable growth, while balanced equity funds offer a moderate risk-return balance.

Mutual Fund Investments

Since you’re looking for long-term growth, actively managed mutual funds could be a suitable choice.

Actively managed funds allow for expert supervision, adjusting investments to optimize returns based on market trends.

It’s beneficial to consult with a Certified Financial Planner (CFP) for guidance on selecting these funds, which will help in growing wealth over time.

Avoid Direct Mutual Funds

Direct funds may seem economical due to lower expense ratios, but managing them independently requires expertise.

A regular plan, managed through a CFP, includes advisory services that can help you make informed decisions and adjust to market changes.

This assistance can be invaluable, especially for someone managing various responsibilities alone.

Disadvantages of Index Funds

Index funds may sound attractive due to lower costs and simplicity, but they have limitations.

These funds mirror the index and can’t respond to market fluctuations effectively. This could lead to lower returns compared to actively managed funds.

Actively managed funds, by contrast, adjust their portfolios to aim for better returns, which can benefit you in the long term.

Allocate for Children’s Education

Both of your children are in graduation, so education expenses will continue for a few more years.

It’s wise to set aside funds specifically for this purpose, perhaps in a debt mutual fund for safer returns.

Debt funds offer stable growth and can be easily liquidated as education expenses arise.

Retirement Planning

With no retirement fund mentioned, it’s crucial to establish one now.

Since you may not have a regular pension or provident fund as a contract worker, you’ll need to rely on personal investments for post-retirement income.

Setting up a systematic investment in a balanced equity fund is a wise way to build a corpus over the next few years.

Generate Passive Income through SWP

A Systematic Withdrawal Plan (SWP) in mutual funds can provide a steady monthly income while preserving your capital.

With an SWP, you can withdraw a fixed amount every month, which can supplement your income post-retirement.

It allows the remaining investment to continue growing, giving you both income and potential growth.

Gold as a Backup

Gold is a valuable asset in your portfolio, especially in uncertain economic times.

It can be used as a last-resort backup if you face financial strain, or you may consider pledging it for a low-interest loan in emergencies.

Retaining gold as part of your net worth also adds security, as it’s generally stable and can hedge against inflation.

Tax Implications

As your income and investments grow, being aware of tax liabilities will be beneficial.

Earnings from mutual funds are taxable. Gains above Rs 1.25 lakh on equity funds are taxed at 12.5% as LTCG, while STCG is taxed at 20%. Debt funds are taxed as per your income slab.

A CFP can assist in devising a tax-efficient investment plan to maximize your take-home returns.

Insurance and Health Cover

Since you’re in healthcare, consider a personal health policy that offers ample coverage for you and your children.

Health issues or medical emergencies can have significant financial implications, so an adequate health policy will provide security.

Make sure the coverage amount is sufficient, especially as medical costs are continually rising.

Finally

Balancing current needs with future security is essential.

This guidance provides a rounded approach to managing your finances, aiming for security, growth, and stability.

Regular reviews of your financial plan, ideally with a Certified Financial Planner, will help you stay on track and make adjustments as necessary.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Ravi

Ravi Mittal  |475 Answers  |Ask -

Dating, Relationships Expert - Answered on Dec 26, 2024

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I am talking to a boy for arranged marriage. He said me that come to Bangalore you will have a good career. But he is also asking me if I can leave my job if I have got some responsibility in life to which I said yes. Then I said that I prefer own cooked food over cook cooked food. Then he asked me if I can cook for 2 people to which I said that I will have to look if I can do. He seems to be supportive when he talks on phone. Is he brain washing me, should I say yes or no. Is he a red flag. What should I do.
Ans: Dear Moumita,
It isn't fair to label someone as a red flag over a few days of conversation; seeing women take up responsibilities of home and disregard their own career or needs might be what he has seen growing up and it's not him being a red flag intentionally. A lot has to do with upbringing. What I can suggest with confidence is that if you love having your own job, and your own financial independence then please be vocal about it. Just because he is asking you to leave your job doesn't mean you have to do it- you are only in the talking phase. You are not married yet. You have ample time to rethink your choice. Cooking and housework shouldn’t just be your responsibility, just like earning and providing shouldn’t only be his. It’s about sharing the load equally. Having said that, I should also mention that every relationship is different, and each couple finds their own way of balancing things. Ultimately, everything boils down to what you are comfortable with- please take some time to figure that out and only then decide whether or not to take this relationship ahead.

Hope this helps.

...Read more

Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 25, 2024
Relationship
Hi, My GF of last 2.5 years gets attracted to men very often and shares her feelings with me as well. She developed feelings for a guy a year back and he kissed her once when they were drunk. She said she didn't had time to react and Later they had a talk, she informed me that they chose to be friends, she doesn't seems to in talking terms any more with him. She talks to lot of male friends who she claims are from LGBTQ community which I doubt whether all are or not. I always say she has the freedom to move on any given day but she can't cheat but she doesn't think getting attracted to multiple men and acting on it as cheating . She says, she is free spirited and she is ok even if I visit a prostitute house. She is in her early 30s. She had a crush another guy on insta and said she will definitely try him if he wasn't lot younger than her but later said he is her best friend and she is in constant touch. Lately, she says vibe doesn't match and have problem saying I am her BF. I tried to move on from relationship 2-3 times because of her above traits and now stopped talking since few days. She had both mental and medical issues. Can I trust her and will she have any mental issues again?
Ans: While it’s commendable that she is honest about her feelings and gives you the freedom to make your choices, it’s equally important to consider whether her values and actions align with what you need in a partner. Relationships thrive when there’s mutual respect, understanding, and agreement on boundaries. If her actions or mindset make you feel undervalued or emotionally unsafe, it’s crucial to reflect on whether this relationship is truly serving your well-being.

The fact that you’ve tried to move on multiple times suggests that there is a deeper discomfort within you about the dynamics between you two. Trust is not just about fidelity; it’s about emotional safety, reliability, and mutual respect. If her behavior consistently makes you question her commitment or your place in her life, that erosion of trust can become difficult to rebuild.

As for her mental and medical challenges, it’s important to approach those with empathy, but also with a clear understanding that you cannot "fix" or "heal" someone unless they are actively seeking and working toward their own well-being. If she has not addressed her mental health or continues behaviors that affect the relationship without taking responsibility, it can lead to ongoing strain for you. Her mental health challenges are not excuses for harmful behavior, nor should they become reasons for you to sacrifice your own emotional health.

You’ve already shown patience and willingness to work through these challenges, but the repeated cycles of doubt and frustration may be a sign that the relationship is taking more from you than it’s giving. Ask yourself if you feel supported, valued, and emotionally safe in this partnership. Relationships should bring out the best in you and your partner, not leave you questioning your worth or constantly trying to accommodate behavior that feels unfair.

Taking a step back, as you’ve done now, can give you the clarity to evaluate what you truly want and need in a relationship. If trust feels irreparably broken or if her behaviors and values are fundamentally misaligned with yours, it may be time to consider whether staying in this relationship is the healthiest choice for you. You deserve a partner who respects your boundaries and builds a connection based on mutual trust and understanding.

If you decide to stay, open communication and possibly couples’ therapy could help bridge the gaps. If you choose to move on, trust that this decision is about prioritizing your well-being and finding a relationship that aligns with your values and needs. Either way, your happiness and emotional health should come first.

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Relationship
Hi Anu, My husband is in living relationship with another lady since April in another country. At the same time, he acused me as selfish for doing my PhD in my native country and put me in mental trauma by verbally accusing.Also,he was very clever, he step by step get rid of all the things related to our relationship and took bank all the bank fund in my name.After that he blocked me.I had doubts on his extra marital and asked him 1000 times. But he simply insulted and blocked me from all social media eventually. After finishing my PhD pre submission, when i went to meet him, in his place. I found him, shifted to another apartment. But i somehow, found it and there i came to knew, he is staying with a lady there for past months. I broke down and informed all his friends. Now he is threatening me for signing mutual consent, otherwise he will make false allegations and tore my good name..Already he partially did that. When I talked to his friends, he was crooked enough to tell them, i am a psycho, ademant, career oriented lady. I told him i am ready to give him mutual divorce after once we met in person. I want to ask him why he cheated me.but he is not ready to meet, he is asking me to talk to his advocate. What shall I do now?
Ans: While it’s natural to want answers and closure, sometimes people who betray us in such profound ways refuse to provide the accountability we seek. Closure doesn’t always come from the other person. It can come from recognizing that their actions stem from their own flaws and failings, not because of anything lacking in you. It can come from choosing to let go of the need for explanations and focusing instead on rebuilding your own sense of peace and purpose.

You’ve already demonstrated incredible strength by standing up to him and exposing the truth to his friends. That takes courage. But this is also a time to lean into your inner resilience and ensure you’re supported by professionals who can guide you through the legal and emotional complexities. Speaking with a family lawyer who understands the nuances of your situation will help you feel empowered to navigate his threats and protect your rights. At the same time, connecting with a counselor or therapist can offer a safe space to process your emotions and begin to heal from this trauma.

It’s okay to grieve the relationship and the betrayal. It’s okay to feel anger, sadness, or even numbness at times. These emotions are all part of the process of moving forward. Allow yourself to feel them without judgment, but also remind yourself that this pain is temporary and does not define you. You are more than what has been done to you.

When you feel ready, try to shift your focus away from him and his actions and toward your own well-being and future. You’ve worked so hard on your PhD and have built a life full of potential and possibility. This chapter doesn’t have to define the rest of your story. You are capable of creating a life that is free from manipulation and filled with self-respect, joy, and the kind of peace that comes from living authentically.

Lean on the people who believe in you, who see your value, and who can remind you of your strength when you feel unsure. Remember, you don’t have to handle this alone. Whether it’s through professional guidance or emotional support from trusted loved ones, there are paths forward that will help you rise above this situation. You deserve a life where your worth is honored, your boundaries are respected, and your happiness takes center stage.

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Kanchan

Kanchan Rai  |447 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 26, 2024

Asked by Anonymous - Dec 23, 2024Hindi
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Relationship
Hello, I am a 35-year woman from Manali, divorced for three years now. My family is constantly pushing me to get remarried, saying it’s ‘for my own good.’ But honestly, I don’t feel the need for marriage again. I’m financially stable, have great friends, and I genuinely enjoy my independence. Despite explaining this to my family multiple times, they keep bringing up alliances and even guilt-trip me, saying things like, ‘Who will take care of you when you’re older?’ or ‘What will society think?’ I’m exhausted from these arguments and feel like I’m being cornered into something I don’t want. How do I stand firm in my decision while maintaining my relationship with my family? How do I help them understand that being single is a choice, not a problem to fix?
Ans: When speaking to your family, try to approach the conversation from a place of empathy. Acknowledge their intentions by telling them you understand their worries and that they want what they believe is best for you. Express gratitude for their care—it often helps diffuse their defensiveness. However, it’s equally important to gently but firmly assert that your happiness is not dependent on remarriage. Share how content you are with your current life, emphasizing your financial stability, fulfilling friendships, and personal growth.

Sometimes families struggle to accept choices that diverge from traditional norms, often driven by fears about societal perceptions or imagined futures. Reassure them that your decision is rooted in thoughtful consideration and self-awareness, and that you’ve built a life that brings you peace and joy. If they bring up concerns like loneliness or old age, you can address these by expressing how you’ve cultivated strong support systems and how your independence equips you to face challenges.

It might also help to set gentle boundaries. For instance, you could say, “I appreciate that you care for me, but I’d like our time together to focus on enjoying each other’s company instead of discussing remarriage.” It’s okay to redirect conversations or take a break from them when you feel cornered.

Lastly, remember that changing deeply ingrained beliefs takes time. Your family might not immediately understand your perspective, but consistency and calm communication will help over time. It’s not your responsibility to conform to their expectations if doing so diminishes your sense of self. By staying true to your values while showing compassion for their concerns, you’re paving the way for mutual respect and understanding.

...Read more

Dr Nandita

Dr Nandita Palshetkar  |36 Answers  |Ask -

Gynaecologist, IVF expert - Answered on Dec 26, 2024

Asked by Anonymous - Dec 19, 2024Hindi
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Health
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.

...Read more

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

...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.

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