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Roopashree

Roopashree Sharma  |187 Answers  |Ask -

Yoga, Naturopathy Expert - Answered on Mar 20, 2023

Roopashree Sharma, a qualified yoga trainer and naturopathy enthusiast, is the founder of Atharvanlife.
She has completed her diploma in naturopathic medicine/naturopathy from DY Patil University and her advanced diploma in yoga teacher training/yoga therapy from the university of Mumbai.... more
Samrat Question by Samrat on Mar 16, 2023Hindi
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Hi, my age is 27. There is a massive increase of white hair in my head within 3 to 4 months. What can be the reason and what are the possible treatments to change the colour of hair from white to black?

Ans: Change in water, any chemical treatment on the body, hormonal change, any deep stress, could be the reason for greying at this age. You can try the age old remedy of applying amla water, or onion juice on your scalp to reduce the greying. Please feel free to write back with complete details.
DISCLAIMER: The answer provided by rediffGURUS is for informational and general awareness purposes only. It is not a substitute for professional medical diagnosis or treatment.
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Dr Dinesh  | Answer  |Ask -

Answered on May 24, 2021

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Hello Dr Jain.I am 41 years old and I have had grey hair since I was 14 years old.I apply mehendi (henna) from childhood on my hair.Is there any solution to grow black hair, if possible?Is there any other option other than mehendi? I am afraid of using dyes as it may affect my remaining black hair.Please help.Regards,Madhuri Shinde
Ans:

Hi Madhuri

You get grey hair when your hair loses the pigment called melanin. Though the cause is genetic in most, you can also get premature greying due to different causes that include:

  • Stress
  • Autoimmune diseases
  • Antimalarial drugs
  • Chronic illness
  • Nutritional deficiencies

It would have been great if you had started taking treatment in your teens, when your hair started to grey.

Nevertheless, you can still slow down the process of greying and have healthy hair at the same time.

There are medicated treatments to prevent greying of hair. Before you consider them, do get evaluated by a good dermatologist. They will recommend a blood test so that they can evaluate your condition and suggest appropriate treatment.

Meanwhile, this is what you can do.

  • Ensure you consume a good diet that is rich in Vitamin B12, proteins and other nutrients.
  • A multivitamin pill can also be a good support.
  • Avoid too much exposure to heat as it can damage hair tissue.
  • Antioxidants form the mainstay of your treatment so you can take an antioxidant pill. You can also get good antioxidants from your diet.

Foods that help reduce greying:

  • Green leafy vegetables
  • Mushrooms
  • Blueberries
  • Sunflower seeds
  • Oysters

If you wish to colour your grey hair, use good quality mehendi or ammonia free hair dyes.

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Roopashree

Roopashree Sharma  |187 Answers  |Ask -

Yoga, Naturopathy Expert - Answered on Dec 31, 2021

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Hi Roopashree. I am 46 years of age and I have following problems, kindly guide. 1. A double chin which looks ugly and makes me look 55-plus; how do I cure this or is there a safe surgery or non-surgical process? 2. I have white/grey hair since 25 years of age and the problem is even though I had applied the best dye in market such as L’Oreal, I got severe skin reaction and now I cannot apply hair dye. These two issues make me look much older than I am. Please help. Regards, Deepak Pandey
Ans:

There could be multiple reasons for double chin -- either lack of exercise or just incorrect posture. Just get a body profile done to rule out any ailments like diabetes, etc.

If you are not following an exercise regime, start with 30-40 minutes of daily walks.

Alongside, start face yoga (consult a certified practitioner and do it for at least two months). Basic neck exercises and pranayams will also help.

For your greys, try home-made amla dye.

Soak whole dry amlas overnight. Boil them the next day. Then strain the water and retain the pulp.

You can apply this directly on your hair. Add powdered amla if you want a thicker consistency.

Apply this like a hair colour. After some time, wash it off with water only. Follow this up with an oil massage.

This might not give instant results but, over time, it will give a darker shade to your hair and slow further greying.

You can do this once every two weeks.

Other hair packs are coffee powder mixed with homemade aloe vera gel or potato juice mixed with aloe vera gel.

 

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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

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

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hi sir : my son doing job since two year monthly earning is 60 K. but his saving is nil. pl. advice where to invest
Ans: It's great that your son has started earning, and it's essential to guide him on saving and investing for the future. Here's a step-by-step investment plan tailored for him:

Emergency Fund: Start by building an emergency fund equivalent to 3-6 months of expenses. This fund should be easily accessible, like a savings account or a liquid fund.
Debt Repayment: If he has any high-interest debts like credit card bills or personal loans, it's wise to clear those first to avoid paying hefty interest.
Investment Options:
Equity Mutual Funds: For long-term wealth creation, he can start SIPs in diversified equity funds. A mix of large-cap, mid-cap, and multi-cap funds can provide growth.
PPF (Public Provident Fund): A tax-efficient and safe option for long-term savings with a lock-in period of 15 years.
NPS (National Pension System): A retirement-focused investment with tax benefits, offering a mix of equity, corporate bonds, and government securities.
Term Insurance: Since he's working, consider getting a term insurance plan to ensure financial security for his dependents.
Health Insurance: A comprehensive health insurance plan to cover medical emergencies can provide financial security and tax benefits.
Budgeting and Savings: Encourage him to create a monthly budget to track expenses and identify areas to save. Automating investments through SIPs can also help in disciplined saving.
Financial Education: Educate him about the importance of financial planning, saving, and investing. Encourage him to read books or attend workshops on personal finance.
Starting early with disciplined saving and investing can help him build a substantial corpus over time. Encourage him to consult a financial advisor for personalized guidance tailored to his financial goals and risk tolerance.
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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

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

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Hi Anil, I am 43 years old. I have a monthly sip of 35k going on. I have started investing in mutual fund and sip from year 2013. Total mutual fund plus sip current market value is 1 core 9 lakhs . I plan to invest 35 k per month more for 7 to 8 years , when i want to leave job and do something else. Can you tell me what will be my corpus in 7 to 8 years down the line taking both current valution plus what i am going to continue investing?Also, i have another 1 corore total in other investment like Voluntary provident fund, Epf, ppf and esops from my company and pension fund . Here i do a monthly investment of around 80 k via mostly through company for tax savings. So what will be my total corpus after 7 to 8 yrs. Also, is it good for retirement considering my current monthly expense us 1 lakh.
Ans: To estimate your corpus after 7 to 8 years, let's assume an average annual return on your mutual fund SIPs at 10-12% and a similar return on your other investments.

For Mutual Funds:

Future Value of Current Investments: Using the future value formula, considering an average return of 10-12%, your current 1.09 crore can grow to approximately 2.2 - 2.5 crores in 7-8 years.
Future Value of Additional SIPs: Investing 35k per month for 7-8 years, at an average return of 10-12%, you could accumulate around 50 - 60 lakhs from SIPs alone.
For Other Investments:

Future Value of Current Investments: Assuming an average annual return of 10-12%, your current 1 crore can grow to approximately 2 - 2.4 crores.
Future Value of Additional Investments: With 80k monthly investments for 7-8 years, at an average return of 10-12%, you could accumulate around 1.5 - 1.8 crores.
Total Corpus After 7-8 Years: Combining both, your total corpus could range from 5.2 - 6.2 crores.

Retirement Planning:
Considering your monthly expense is 1 lakh, with a corpus of 5.2 - 6.2 crores, you can generate approximately 40-50k per month (assuming a 7-8% withdrawal rate) post-retirement. This should be sufficient considering your current expenses, but inflation and unforeseen expenses should also be considered.

It's advisable to consult a financial advisor for a detailed plan tailored to your needs, considering inflation, tax implications, and other factors.
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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

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

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Hello, I want to invest 10 lac INR for a long term investment. I need suggestion on the following, i understand to invest in the form of SIP. But want to get a suggestion on where should I invest this 10-20 lac first and then invest as an SIP over 1-2 years or even 3 years as per your suggestion. As currently lying in Savings account which doesnt yield more. Secondly I would need a help on good portfolio of funds for long term (10 years or above) for my retirement/younger child's education.
Ans: For long-term investments of 10-20 lakhs, you can consider the following approach:

Initial Lump Sum Investment:

Liquid Funds: Park a portion in liquid funds to earn better returns than a savings account while maintaining liquidity.
Short-term Debt Funds: Allocate to short-term debt funds for stability and moderate returns.
Long-Term SIP Portfolio:

Diversified Equity Funds: Invest in a mix of large-cap, mid-cap, and multi-cap equity funds through SIPs for growth potential.
Balanced Funds: Opt for balanced funds or aggressive hybrid funds for a blend of equity and debt, suitable for long-term wealth creation.
Child Education: Start a separate SIP in a child education-focused fund to ensure funds are available when needed.
Sample Portfolio for Long Term:

Large Cap Equity Fund: 30%
Mid Cap Equity Fund: 20%
Multi Cap Equity Fund: 25%
Balanced/Aggressive Hybrid Fund: 15%
Child Education Fund: 10%
Adjust the allocation based on your risk tolerance and financial goals. Regularly review and rebalance the portfolio to maintain desired asset allocation. Consulting a financial advisor can help create a personalized investment plan tailored to your needs and goals.
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Ramalingam

Ramalingam Kalirajan  |637 Answers  |Ask -

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

Asked by Anonymous - Aug 07, 2023Hindi
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Hello Sir, I am 44 years old IT professional. I have loan of Rs. 29 Lakhs. I am currently investing 40K in MF, 10K in Nifty 50 and Large cap and Mid Cap Stocks 50K (IT- Infosys, TCS, Wipro, Tata Elxie), Bank - (ICICI, IDFC, SBI), Auto - Tata Motors, Ashok Leyland, Jewellery - Titan, Metal - Tata Steel, Vedanta), Paint - Asian Paint, Oil - IOC). 1. Edelweiss Large and Mid cap - 5000 2. ICICI Prudential Thematic adv fund - 5000 3. Kotak equity opportunity fund - 5000 4. Canara Robbeco Emerging Equities - Regular - 5000 5. Mahindra Manulife Multi Cap fund Regular Growth - 5000 6. Parag and Parikh flexi Cap fund Regular Plan - 5000 7. SBI Blue Chip fund Regular Growth - 5000 8. HSBC Small Cap fund Regular Growth - 5000 9. Nippon nifty 50 NIFBEE - 10000 10. IBM stock - 18000 I have 8 lakhs as emergency fund in FD ROI - 7.1, NPS - 12 lakhs, PF 22 lakhs, Stocks 24 lakhs, MF 5 lakhs I would like to have around 10+ crore's in the next 10-12 years in investments. What can I do better?
Ans: Given your detailed financial situation and ambitious goal of accumulating 10+ crores in 10-12 years, here are some suggestions to optimize your investment strategy:

Loan Repayment: Prioritize repaying the Rs. 29 lakh loan to reduce interest burden and free up cash flow.
Asset Allocation: Diversify your portfolio across asset classes like equity, debt, and real estate to spread risk. Rebalance periodically to maintain desired allocation.
Increase Investments: Consider increasing your SIPs, especially in equity mutual funds, to accelerate wealth accumulation.
Tax Planning: Optimize tax-saving investments like ELSS, NPS, and PPF to maximize post-tax returns.
Emergency Fund: Ensure the emergency fund remains intact and adjust its size based on your monthly expenses.
Review and Monitor: Regularly review your portfolio's performance and adjust investments as needed to align with your financial goals and market conditions.
Consult a financial advisor for a personalized investment plan tailored to your goals, risk tolerance, and financial situation.
(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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