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Anu Krishna  |966 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 26, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
mohd Question by mohd on Sep 13, 2023Hindi

HI ANU my daughter is doing bds but she is not interested in doing mds what should she will do in future for further study which work in practical life

Ans: Dear Mohd,
She can look at research related areas in her field. Also, I see a wave of youngsters wanting to volunteer in their expert areas and serve the community.
I am unsure if she likes BDS or not...then she may even want to explore changing her career line altogether. This maybe a risky move, but it's better to take a risk and do what you love rather than be safe and do what you despise.
It maybe beneficial to seek a career guidance counsellor who will employ a battery of evaluation tests that will highlight her areas of interest and strengths which will throw out many career options.
Let her explore and find her path.

All the best!

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Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |83 Answers  |Ask -

Physiotherapist - Answered on Jun 18, 2024

My son is having motor tics like blinking,tensing the abdomen for 6 months..all other reports are normal..he was not much disturbed by that.my neurologist was advising to start medication.do I should start..
Ans: My son is having motor tics like blinking,tensing the abdomen for 6 months..all other reports are normal..he was not much disturbed by that.my neurologist was advising to start medication.do I should start..Ans: Hello Deepa,

Thank you for your query. First and foremost, I would like to inform you that I am not a neurologist but a physiotherapist, so my advice will be from a physiotherapy perspective. If you are hesitant to start medication, you may consider seeking a second opinion from another neurologist, as neurologists are well-equipped to manage motor tics medically.

From a physiotherapy standpoint, we can offer supportive management of motor tics through various non-pharmacological interventions. These include teaching stress management techniques, as stress and anxiety can exacerbate tics. For instance, diaphragmatic breathing can help reduce overall stress and tension. Additionally, physiotherapists can guide the child through Progressive Muscle Relaxation (PMR) exercises to help relax muscle groups and reduce the frequency of tics.

Physiotherapists also engage children in activities that improve overall motor control, which might help lessen the frequency and severity of tics. Proprioceptive training exercises enhance body awareness and proprioception. Postural correction is another key area, addressing any postural issues that may arise due to repetitive tics, ensuring the child maintains a healthy posture to avoid secondary complications. Furthermore, we implement programs to strengthen weak muscles and stretch tight muscles to support better posture and overall muscle function.

Encouraging regular physical activity is also beneficial, as it can help reduce stress and improve overall well-being. By incorporating these strategies, physiotherapy can provide valuable support in managing motor tics, enhancing the child's quality of life, and complementing other medical and therapeutic interventions. Wishing for his quick recovery.

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Ramalingam Kalirajan  |3809 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 18, 2024

Asked by Anonymous - Jun 18, 2024Hindi
Good afternoon sir,Sir i am 27 years old and my salary is around 80k,i have been working since 1 year and has neither savings nor debt as of now. I am unmarried and my monthly expenses including rent,grocery,water and electricity constitute around 20k,i have emi of 1 yr tenure collectively of around 10k. Ihave monthy expenditure on flights of around 7k.Sir please guide on how to save big and also contribute effectively to my old parents.Thank you sir.
Ans: It's admirable that at 27, you're keen on managing your finances effectively and also supporting your parents. Starting early gives you a significant advantage for building wealth and ensuring financial security. Let’s develop a comprehensive plan to help you save, invest, and contribute to your family’s well-being.

Understanding Your Current Financial Position
First, let’s break down your current financial situation to identify areas for saving and investment:

Monthly Income and Expenses:
Salary: Rs 80,000 per month.
Fixed Expenses: Rs 20,000 (rent, groceries, utilities).
EMI: Rs 10,000 (one-year tenure).
Travel Expenses: Rs 7,000 for flights.
Remaining Disposable Income: Rs 43,000.
With Rs 43,000 left each month after essential expenses, you have a good opportunity to save and invest.

Establishing a Solid Savings Plan
1. Build an Emergency Fund
Importance of an Emergency Fund:

An emergency fund provides a financial cushion for unexpected expenses like medical emergencies or job loss.
Aim to save 3-6 months’ worth of living expenses.
Start with Small Steps:

Begin by setting aside Rs 10,000 per month until you accumulate your target amount.
Keep this fund in a high-interest savings account for easy access and growth.
2. Automate Your Savings
Set Up Automatic Transfers:

Arrange for a fixed amount to be automatically transferred to your savings account each month.
This approach ensures consistent saving without relying on manual effort.
Pay Yourself First:

Prioritize saving as if it’s a non-negotiable expense.
Transfer funds to your savings as soon as you receive your salary.
3. Create a Budget
Track Your Expenses:

Use a budgeting app or spreadsheet to record all your monthly expenses.
Identify areas where you can cut back or optimize spending.
Allocate Funds Wisely:

Designate specific amounts for savings, investments, and discretionary spending.
Stick to your budget to avoid unnecessary expenses.
Investing for Long-Term Growth
1. Understanding Investment Options
Mutual Funds:

Mutual funds are managed by professional fund managers who invest in a diversified portfolio.
They offer various options, including equity, debt, and hybrid funds, catering to different risk profiles.
Systematic Investment Plan (SIP):

SIP allows you to invest a fixed amount regularly in mutual funds.
It helps in averaging the purchase cost and benefiting from market fluctuations over time.
Public Provident Fund (PPF):

PPF is a government-backed savings scheme with attractive interest rates and tax benefits.
It’s a safe investment option for long-term savings.
2. Diversify Your Investments
Equity Mutual Funds:

Allocate a portion of your savings to equity mutual funds for higher returns.
Choose funds with a mix of large-cap, mid-cap, and small-cap stocks for diversification.
Debt Funds:

Invest in debt funds for stable returns and lower risk.
They provide income through interest payments and are less volatile than equity funds.
Balanced Approach:

Maintain a balanced portfolio with a mix of equity and debt funds.
This strategy helps manage risk while aiming for growth.
3. Set Clear Financial Goals
Define Your Objectives:

Identify your short-term and long-term financial goals, such as buying a car, saving for a house, or retirement.
Set specific, measurable, achievable, relevant, and time-bound (SMART) goals.
Align Investments with Goals:

Choose investment options that align with your risk tolerance and time horizon for each goal.
For example, equity funds for long-term goals and debt funds for short-term needs.
Managing Expenditures Effectively
1. Optimize Monthly Expenses
Review and Reduce:

Regularly review your monthly expenses to identify unnecessary costs.
Look for ways to reduce spending on non-essential items like dining out and subscriptions.
Budget for Discretionary Spending:

Allocate a fixed amount for discretionary expenses, including leisure activities and personal purchases.
Stick to this budget to avoid overspending.
2. Plan for Big Expenses
Travel and Lifestyle Costs:

Set aside a specific budget for your monthly travel expenses, such as flights.
Look for ways to minimize costs, such as booking in advance or using rewards points.
Plan for Major Purchases:

Save up for significant purchases rather than relying on loans or credit.
This approach prevents additional debt and financial stress.
Supporting Your Parents Financially
1. Assess Their Financial Needs
Understand Their Situation:

Discuss with your parents their financial needs and any existing expenses or debts.
Determine how much support they require and in what form (e.g., monthly allowance, medical expenses).
Create a Support Plan:

Develop a plan to contribute to your parents’ financial well-being.
This could include regular transfers, paying specific bills, or setting aside funds for emergencies.
2. Integrate Support into Your Budget
Allocate Funds for Family Support:

Include your contribution to your parents in your monthly budget.
Ensure this allocation doesn’t compromise your savings and investment goals.
Consider Joint Investments:

Explore joint investment opportunities that benefit both you and your parents.
For example, investing in a senior citizen savings scheme that provides regular income.
3. Encourage Financial Independence
Discuss Financial Planning with Your Parents:

Encourage them to plan for their financial future, considering their retirement and medical needs.
Offer to help them understand and manage their finances better.
Support with Knowledge and Resources:

Provide information and resources on managing finances and investments.
Help them make informed decisions about their financial security.
Building a Strong Financial Future
1. Continue Professional and Personal Development
Invest in Your Career:

Focus on advancing your career to increase your earning potential.
Seek opportunities for skill development, certifications, and networking.
Personal Growth and Financial Literacy:

Continuously improve your financial knowledge and personal development.
Stay informed about investment strategies, market trends, and financial planning.
2. Plan for Major Life Events
Marriage and Family Planning:

Consider future expenses related to marriage, starting a family, and children’s education.
Begin saving and investing early for these life events.
Home Ownership:

If you plan to buy a house, start saving for a down payment and research home loan options.
Factor in long-term costs like maintenance and property taxes.
3. Secure Your Future with Insurance
Health Insurance:

Ensure you have adequate health insurance to cover medical expenses.
This protection is crucial to avoid depleting your savings during emergencies.
Life Insurance:

Consider life insurance to secure your family’s financial future in case of unforeseen events.
Choose a policy that provides sufficient coverage based on your dependents’ needs.
Final Insights
At 27, you have a great opportunity to build a strong financial foundation. By prioritizing savings, diversifying investments, and managing your expenses effectively, you can achieve your financial goals and contribute to your family’s well-being.

Focus on creating a robust emergency fund and automate your savings to ensure consistency. Diversify your investments to balance risk and growth, and align them with your financial goals. Optimize your monthly expenses and plan for significant expenditures, while also supporting your parents financially and encouraging their independence.

Continue to invest in your personal and professional development, plan for major life events, and secure your future with adequate insurance coverage. With disciplined planning and a clear strategy, you can save significantly, invest wisely, and contribute effectively to your parents’ needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |3809 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 18, 2024

Asked by Anonymous - Jun 18, 2024Hindi
Hi ! I am an 31 year old working in a MNC, My monthly salary is 64000 and my fixed monthly expense are around 22000 and entertainment, outing expenses are 12000 . I do not have any savings and started working only for 6 months , could you suggest me some investment options , additionally my spouse earns around 10000 per month . I would like to make some short term and long term investments as well, since my company does not provide PF , and annualy I need to spend on ?10000 for insurance and another ?30000 for family expenses. Could you please advise me how I should start my investment plans , for short term and long term goals ,we are planning to have a child after 1-2 years.
Ans: Assessing Your Current Financial Situation
Income and Expenses
Your monthly salary is Rs. 64,000. Your spouse earns Rs. 10,000 monthly, bringing your total household income to Rs. 74,000.

Your fixed monthly expenses are:

Fixed Expenses: Rs. 22,000
Entertainment and Outings: Rs. 12,000
Annual expenses include:

Insurance: Rs. 10,000
Family Expenses: Rs. 30,000
This means your total monthly expenditure is Rs. 34,000, leaving you with a surplus of Rs. 40,000 for savings and investments.

Building an Emergency Fund
Importance of an Emergency Fund
An emergency fund is crucial for unexpected expenses, such as medical emergencies, job loss, or urgent home repairs. It provides financial security and peace of mind.

Recommended Fund Size
Aim to save at least six months’ worth of living expenses. Given your current monthly expenses of Rs. 34,000, you should target an emergency fund of Rs. 2,04,000.

Setting Up the Fund
Start by allocating a portion of your monthly surplus to a high-yield savings account or a liquid mutual fund. This ensures the fund is accessible and earns a reasonable return.

Short-Term Investment Options
Importance of Short-Term Investments
Short-term investments provide liquidity and flexibility for immediate financial goals, such as travel, car purchase, or a down payment for a house.

Recommended Instruments
Recurring Deposits (RD): A low-risk option with fixed returns.
Fixed Deposits (FD): Suitable for short-term goals with guaranteed returns.
Debt Mutual Funds: Provide better returns than savings accounts and FDs, with low risk.
Long-Term Investment Options
Importance of Long-Term Investments
Long-term investments help you build wealth over time for major life goals, such as children's education, retirement, and buying a house.

Recommended Instruments
Public Provident Fund (PPF): Offers tax benefits and guaranteed returns over a 15-year period.
Employee Provident Fund (EPF): Though your company doesn’t provide PF, consider a voluntary provident fund (VPF) if possible.
National Pension System (NPS): Provides a retirement corpus with tax benefits and market-linked returns.
Mutual Funds: Equity mutual funds for long-term growth, balanced mutual funds for moderate risk.
Retirement Planning
Importance of Early Planning
Starting early for retirement ensures you benefit from the power of compounding, leading to a larger corpus.

NPS: Invest in NPS for its dual benefit of retirement planning and tax savings.
Equity Mutual Funds: Continue SIPs in equity mutual funds to build a significant corpus over time.
Child Planning and Future Expenses
Anticipating Future Costs
Planning for a child involves anticipating expenses related to healthcare, education, and other needs.

Investment Strategy
Child-Specific Mutual Funds: These funds are designed to meet the financial needs of children.
PPF and Sukanya Samriddhi Yojana (SSY): For long-term education planning, especially for a girl child.
Insurance Planning
Health Insurance
Ensure you have adequate health insurance to cover medical emergencies. Consider a family floater plan for comprehensive coverage.

Life Insurance
Adequate life insurance ensures financial security for your family in case of unforeseen events. Term insurance is the most cost-effective option.

Tax Planning
Maximizing Tax Benefits
Utilize tax-saving instruments under Section 80C, such as PPF, NPS, and ELSS mutual funds. Consider tax benefits from health insurance premiums under Section 80D.

Investment Allocation
Balance your investments between debt and equity to optimize tax savings and returns. Ensure you take full advantage of tax deductions available.

Reviewing and Adjusting Your Plan
Periodic Review
Regularly review your financial plan to ensure it remains aligned with your goals and market conditions.

Be flexible and adjust your investment strategies based on life changes, such as career growth, birth of a child, or changes in financial goals.

Sample Investment Plan
Short-Term Goals (1-5 years)
Emergency Fund: Rs. 10,000 per month in a high-yield savings account until Rs. 2,04,000 is saved.
Recurring Deposit: Rs. 5,000 per month for immediate goals.
Long-Term Goals (5+ years)
PPF: Rs. 12,000 annually for tax savings and long-term growth.
NPS: Rs. 6,500 per month for retirement planning.
Equity Mutual Funds: Rs. 20,000 per month for wealth creation.
Child Education Fund: Rs. 10,000 per month in child-specific mutual funds or Sukanya Samriddhi Yojana.
Ensuring Adequate Insurance Coverage
Health Insurance
Coverage Amount: Rs. 5 lakhs for you and your spouse.
Premium: Allocate Rs. 1,000 monthly for health insurance.
Life Insurance
Coverage Amount: 10 times your annual income.
Premium: Term insurance premium of Rs. 500 monthly.
Creating a Balanced Portfolio
Ensure your portfolio is diversified across different asset classes to manage risk and maximize returns.

Periodically rebalance your portfolio to maintain the desired asset allocation based on your risk tolerance and financial goals.

Managing Debt
Home Loan Considerations
If you plan to buy a house, ensure your home loan EMI does not exceed 40% of your take-home pay.

Credit Card and Other Debts
Avoid high-interest debts like credit card balances. If necessary, consolidate and pay off these debts quickly.

Leveraging Your Spouse’s Income
Joint Planning
Combine your spouse's income for a comprehensive financial plan. Allocate her income towards joint financial goals and emergency fund.

Investment Strategy
Encourage your spouse to invest in tax-saving instruments and SIPs to complement your financial plan.

Final Insights
By starting early and following a disciplined approach, you can achieve both your short-term and long-term financial goals.

Focus on building an emergency fund first, then diversify your investments across various asset classes for optimal growth. Ensure adequate insurance coverage and regularly review your financial plan to stay on track.

Invest in tax-saving instruments to maximize returns and tax benefits. Planning for future expenses, such as child education and retirement, will ensure financial stability and peace of mind.

Seek guidance from a Certified Financial Planner to tailor these strategies to your specific needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...Read more


Ramalingam Kalirajan  |3809 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 18, 2024

Asked by Anonymous - Jun 18, 2024Hindi
Hi what shall I do with below investments in mutual funds through SIP for next 20 years 1. SBI PSU direct plan growth 2. Aditya Birla Sun life PSU equity fund direct growth 3. ICICI prudential infrastructure direct growth I am looking for next 20 years in these mutual funds
Ans: Your commitment to long-term investing, particularly over a 20-year horizon, is commendable. Your selection includes sector-specific funds focusing on PSU and infrastructure. Understanding how these funds align with your goals and market trends is essential for maximizing your portfolio’s potential. Let’s delve into a detailed analysis and provide strategies for your investments in:

SBI PSU Direct Plan Growth
Aditya Birla Sun Life PSU Equity Fund Direct Growth
ICICI Prudential Infrastructure Direct Growth
Understanding Sector-Specific Funds
Sector-specific funds, such as PSU and infrastructure-focused funds, invest predominantly in companies within a particular sector. These funds can offer substantial returns but come with higher risk due to their concentrated exposure.

Public Sector Undertaking (PSU) Funds
PSU funds invest in companies owned or controlled by the government. These companies often operate in sectors like banking, oil and gas, and utilities. PSU stocks can be attractive for their stability and dividends but can be influenced by government policies and economic conditions.

Infrastructure Funds
Infrastructure funds invest in companies involved in infrastructure development, such as construction, transportation, and utilities. These sectors are crucial for economic growth and can benefit from increased government spending on infrastructure projects. However, they are also sensitive to regulatory changes and economic cycles.

Evaluating Your Current Investments
1. SBI PSU Direct Plan Growth

Stability and Government Backing: PSU companies typically have strong backing from the government, providing a sense of stability.
Dividend Potential: Many PSU companies offer attractive dividend yields, providing a source of regular income.
Long-term Growth Potential: With a focus on essential services and industries, PSU companies can offer steady long-term growth.

Policy Sensitivity: PSU stocks can be significantly affected by changes in government policy, impacting their performance.
Underperformance in Certain Phases: Historically, PSU stocks may underperform during periods when private sector growth outpaces government-driven initiatives.
2. Aditya Birla Sun Life PSU Equity Fund Direct Growth

Concentrated Investment in Established Firms: This fund focuses on established government-run enterprises with a long operational history.
Lower Volatility: PSU funds can be less volatile compared to private sector-focused funds, especially during market downturns.
Sector Diversification: PSUs often span multiple sectors like energy, finance, and utilities, providing sectoral diversification.

Limited Growth in Certain Sectors: Some PSUs may have limited growth potential compared to more dynamic private companies.
Government Interference: Being government-controlled, PSUs might face bureaucratic challenges and slower decision-making processes.
3. ICICI Prudential Infrastructure Direct Growth

Focus on Economic Growth: Infrastructure funds benefit from increased spending on infrastructure projects, which are crucial for economic development.
Potential for High Returns: These funds can offer substantial returns, especially during periods of economic expansion and increased infrastructure spending.
Diversified Sector Exposure: Infrastructure funds often invest in a variety of sectors such as transportation, energy, and utilities.

Economic Sensitivity: Performance can be closely tied to the economic cycle, with significant risks during economic downturns.
Regulatory Risks: Changes in government policy and regulations can impact the profitability and growth prospects of infrastructure companies.
Strategic Recommendations for the Next 20 Years
Given your 20-year investment horizon, it’s important to balance sector-specific exposure with a diversified and adaptable investment strategy. Here’s how you can navigate your investments in these funds over the long term:

1. Maintain Sector-Specific Investments with Regular Review
Periodic Assessment of Sector Performance:

Regularly review the performance and outlook of the PSU and infrastructure sectors.
Assess how government policies, economic conditions, and market trends impact these sectors.
Rebalance Based on Market Cycles:

During periods of strong government investment and economic growth, your PSU and infrastructure funds may perform well.
Rebalance your portfolio if these sectors underperform relative to the broader market or your expectations.
2. Diversify Beyond Sector-Specific Funds
Introduce Broad-Based Equity Funds:

Complement your sector-specific funds with broad-based equity funds covering various market segments.
This diversification can mitigate the risk associated with concentration in PSU and infrastructure sectors.
Consider International Exposure:

Explore funds with international exposure to diversify geographically and reduce reliance on domestic economic conditions.
International funds can provide access to global growth opportunities and reduce sector-specific risks.
3. Adapt to Changing Market Conditions
Flexibility in Allocation:

Be open to adjusting your investment allocation based on changing market conditions and economic trends.
This flexibility can optimize returns and reduce risk over your 20-year investment period.
Monitor Economic Indicators:

Keep an eye on economic indicators that affect PSU and infrastructure sectors, such as government budgets and infrastructure spending.
Adjust your investment strategy to align with economic forecasts and policy changes.
4. Leverage Professional Guidance
Consult with a Certified Financial Planner (CFP):

Engage a CFP to provide personalized advice and ensure your investments align with your long-term goals.
A CFP can offer insights into market trends and help optimize your portfolio for sustained growth.
Utilize Mutual Fund Distributors (MFDs):

Work with MFDs who have CFP credentials to gain access to a range of funds and professional fund management expertise.
This approach can enhance your investment strategy and provide tailored recommendations.
5. Emphasize Long-Term Growth Potential
Focus on Compounding and Patience:

Given your 20-year horizon, leverage the power of compounding by staying invested and avoiding frequent withdrawals.
Patience is key to realizing the full growth potential of your investments.
Look for Emerging Opportunities:

Stay informed about new growth opportunities within PSU and infrastructure sectors.
Emerging technologies and infrastructure developments can offer substantial returns over the long term.
6. Manage Risk and Volatility
Implement Risk Management Strategies:

Use risk management strategies like asset allocation and diversification to balance risk in your portfolio.
Consider adding debt funds or bonds to provide stability and reduce overall portfolio volatility.
Regularly Reevaluate Risk Tolerance:

Periodically reassess your risk tolerance to ensure your investment strategy aligns with your financial situation and goals.
Adjust your portfolio as needed to reflect changes in your risk appetite over time.
7. Keep Track of Fund Performance and Changes
Monitor Fund Performance:

Regularly track the performance of your PSU and infrastructure funds against benchmarks and market indices.
Evaluate the fund managers’ strategies and performance relative to their peers.
Be Aware of Fund Management Changes:

Stay informed about any changes in the management of your funds, as new managers may bring different investment approaches.
Assess how these changes impact the fund's strategy and performance.
8. Stay Committed to Your Investment Plan
Consistency and Discipline:

Maintain a disciplined approach to investing by consistently contributing to your SIPs.
Avoid making impulsive decisions based on short-term market movements.
Review and Adjust Periodically:

Conduct regular reviews of your investment strategy and make adjustments based on your financial goals and market conditions.
Ensure that your portfolio remains aligned with your long-term objectives.
Final Insights
Investing in sector-specific funds like PSU and infrastructure requires a strategic approach, particularly over a long-term horizon of 20 years. Your current investments in SBI PSU Direct Plan Growth, Aditya Birla Sun Life PSU Equity Fund Direct Growth, and ICICI Prudential Infrastructure Direct Growth position you to benefit from government-backed enterprises and infrastructure development.

To maximize returns and manage risks, consider diversifying your portfolio with broad-based and international equity funds. This diversification reduces reliance on sector-specific performance and provides exposure to broader market growth.

Regularly review your investments, monitor economic indicators, and stay flexible in your allocation strategy. Engage with certified professionals for tailored advice and leverage their expertise to optimize your investment plan.

Remember, patience and discipline are key to long-term investing. By staying committed to your strategy and making informed adjustments, you can achieve your financial goals and build a secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...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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