Desperate! Kalyan Jewellers Shares Keep Falling, What Should I Do?

Ans: Check Hba1c

Ans: Just some lifestyle changes should help

Ans: Hi Professor Balaji,

If you have any questions, please feel free to post them. The admin will forward your queries to the relevant experts who can provide appropriate answers.

Alternatively, if you are an expert in the mentioned field, kindly reach out to the admin directly.
with regards

Ans: Hello,
With 13 years of experience as a training manager, enhancing your career prospects requires investing in advanced certifications and courses that build on your expertise and align with the emerging demands of the learning and development field. Consider pursuing professional certifications such as the Certified Professional in Learning and Performance (CPLP) or the Train the Trainer certification, which are globally recognized and will strengthen your expertise in training and development. Expanding your knowledge in instructional design through courses focused on e-learning tools such as Articulate Storyline, Adobe Captivate or learning management system (LMS) management will keep you at the forefront of technology-driven training methods.

In addition to technical training skills, courses in leadership coaching and people management will help you develop the soft skills needed to effectively lead teams. For those looking to take on strategic roles, an MBA or certification in change management (Prosci) can provide a strong foundation in organizational development and leadership. Project management certifications such as the PMP or PRINCE2 are also valuable for training managers overseeing large-scale projects.

Furthermore, as the training sector moves towards data-driven decision-making, upskilling in learning analytics, AI in training and digital transformation in learning will help make your career future-ready and allow you to implement innovative training solutions. These qualifications will open up advanced career opportunities in senior leadership positions, from head of learning and development to roles in corporate training strategy and organisational change management.

Ans: Diabetes and LP has no direct connections and no cause and effect relationship

Ans: History noted,
Since 19th of last month was your last period and you had unprotected sex on 10th of this month, pregnancy test is negative,
It's advisable to wait for a week, repeat home pregnancy test or blood test call serum beta hcg which is confirmatory.
Sometimes it can be hormonal imbalance or delayed ovulation. So sometimes we need to wait for a week to know the test report.
If still pregnancy test is negative, then you can visit your doctor, to get pills for withdrawal bleeding and to get hormonal test and sonography done to find the cause of delayed periods.
POSTINOR is an "emergency contraceptive pill” or "morning after pill”, that contains one common female hormone, levonorgestrel, a progestin. This hormone prevents pregnancy mainly by delaying or preventing ovulation (the release of an egg from the ovary), thus preventing fertilization.
Postino can only prevent you becoming pregnant if you take it within 72 hours of unprotected sex. It does not work if you are already pregnant. If you have unprotected sex after taking Postino, it will not stop you from becoming pregnant.

Ans: History noted
I pil is an emergency contraception.
If i pill taken within the first 24 hours, it is claimed to be highly effective at more than 95%. The effectiveness drops to 85% if taken between 25 and 48 hours. However, if taken between 49 and 72 hours, the effectiveness reduces significantly to 58% or less.

Ans: Eligibility and competency are two essential components of success. You cannot rely on just one; it's important to develop both before completing your course. To enhance your competency, aim to participate in internship programs for at least six months. This experience will significantly benefit your placement opportunities, in addition to meeting the eligibility requirement of achieving a CGPA of at least 8.5. If your current CGPA is 7.3, put in the extra effort needed to reach 8.5.
ALL THE VERY BEST

Ans: SIP investments do not have a fixed minimum period.

However, 5 years is usually the recommended minimum for equity funds.

This time allows your investment to benefit from compounding and market recovery.

Understanding Your Investment Horizon
At 59, your horizon depends on goals and risk tolerance.

Equity investments need a 7–10-year horizon for maximum growth.

For 5 years, a balanced or debt-oriented portfolio is better.

One-Time Investment of Rs. 50,000
Expected Returns After 5 Years
Returns depend on the type of mutual fund chosen.

Equity funds may yield 9%-12% annually over 5 years.

Balanced funds could deliver 7%-9% returns.

Debt funds might generate 6%-7% returns.

Illustrative Scenario
Equity Fund
Rs. 50,000 grows to around Rs. 75,000–80,000.

This assumes an annual growth of 10%-12%.

Balanced Fund
Rs. 50,000 may grow to Rs. 68,000–70,000.

Expected annual growth is 7%-9%.

Debt Fund
Rs. 50,000 might grow to Rs. 65,000.

Annual growth of around 6%-7% is assumed.

Selecting the Right Investment
Equity Mutual Funds
Choose equity funds if you can hold beyond 5 years.

Volatility is common, but long-term rewards are better.

Balanced Mutual Funds
Balanced funds offer stability with moderate growth.

Ideal for a 5-year horizon with lower risk tolerance.

Debt Mutual Funds
Debt funds are safer with steady returns.

These are suitable for risk-averse investors with short horizons.

Tax Implications on Your Investments
Long-term equity gains above Rs. 1.25 lakh are taxed at 12.5%.

Short-term equity gains are taxed at 20%.

Debt fund gains are taxed as per your income slab.

Diversified Portfolio for a 5-Year Horizon
Allocate 50% to balanced funds for stability and moderate growth.

Invest 30% in debt funds for risk mitigation.

Put 20% in equity funds for inflation-beating returns.

Importance of Consistent Monitoring
Review portfolio performance every year.

Rebalance if returns deviate from expectations.

Avoid reacting to short-term market changes.

Building Wealth with SIPs
Long-Term Strategy
SIPs provide disciplined investment with rupee cost averaging.

Compounding benefits amplify wealth if SIPs continue for 7-10 years.

Emergency Fund and Insurance
Keep 6 months' expenses in a liquid fund or FD.

Ensure you have sufficient health and life insurance.

Final Insights
SIPs are suitable for long-term wealth creation.

One-time investments need careful fund selection for 5 years.

Diversify between equity, balanced, and debt funds based on risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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