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Dr Natasha Kumrah | Answer |Ask -Follow

GP, Diabetologist, Gastroenterologist - Answered on Mar 20, 2023

Dr Natasha Kumrah is a general physician and diabetologist practising at Ruby Hall Clinic, a multispecialty hospital in Pune.
She has 11 years of experience in diabetes management, gastroenterology and general medicine.
Dr Kumrah completed her MBBS from the Maharashtra Institute of Medical Sciences And Research, Pune and her MD in general medicine from the Armed Forces Medical College, Pune.
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Question by Avik on Mar 10, 2023Hindi

Health

Ma'm I am diabetic for the last 10 years. I regularly take Ryzodec insulin twice (26 units in the morning before breakfast and 14 units in the night before dinner). I also consume high power medicines on a regular basis. For a remedy, I go for morning walk of 40-50 minutes which also consists of mild jogging and running. I stay away from deep fried food/snacks, any kind of snacks. I drink tea without milk and sugar. My morning starts with drinking Chirata( twice a week) and Karela Jamun Juice (Regularly). But even after following this routine on a daily basis my sugar level doesnot come to a satisfactory level; it always stays high and my HbA1C is 9.6. Kindly guide me what to do?

Ans: Hello Avik.. I understand that it’s very disappointing that even after following everything, HbA1c is not controlled.. I suggest you to go for AGM ( ambulatory glucose monitoring) and take proper dose of insulin and other medications.. if you are obese or overweight, weight reduction will help.. Consistency and discipline will help you to achieve better sugar control goals. Thank you.. I will be happy to help you.

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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I am 47 yrs and my height is 5 ft 7 inch weight approx 72 , recently i had tested my blood sugar fasting 116 and Hb1ac 5.7 ,i am in the stage of pre diabetes.I walk regularly for 35 to 40 mins from last 7 years.What else you suggest to keep my sugar level control

Ans: Start strength training and decrease your carbohydrates intake. To complete your appetite add protein rich food in every meal.

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Hi, I am 66 years old and my HbA1C is 7.4. My fasting glucose is 145 and PP is 210. I weigh 61 kgs. I walk regularly morning and evening for 45 min each. How to reduce my sugar levels?

Ans: Walking is an excellent aerobic activity which will help in lowering blood sugar levels by increasing your metabolic rate. However, a balanced and healthy diet will help control high blood sugar levels. Make healthy choices of complex carbohydrates like vegetables, whole grains, and fruits, and avoid highly refined carbohydrates like white bread, pasta, and sugary foods which can cause blood sugar spikes. Include protein foods in every meal and eat at regular intervals. Include healthy fats in your diet and follow a regimen of aerobic and weight training exercises.

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Asked by Anonymous - Feb 23, 2024Hindi

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I am 59 years old and diabetic for last 26 years. Recently my Hb1ac reading is 8.4 & fasting sugar level is 175 I am under medication of GLIMISAVE MV2 at half an hour before breakfast and GLURA M1000 after Breakfast with 3 glasses of water. I take GLIMISAVE MV2 half an hour before Dinner. I am fairly active and walk 4kms everyday without any break. I do have a fondness of sweets and addiction of tea(black & milk tea) without sugar added. My height is 163 cms and weight is 68 kg Please suggest me some remedies to correct my blood sugar level. Thankd

Ans: Managing blood sugar levels through diet is crucial for overall health. Choose foods with a low GI which will cause slower and more gradual increases in blood sugar levels. Examples include whole grains, legumes (such as lentils and chickpeas), non-starchy vegetables (like spinach and broccoli), and lean proteins (such as chicken and fish). Include high-fiber foods which slow down digestion and help stabilize blood sugar levels. Consume protein-rich foods like eggs, lean meat, legumes, etc. Sugary foods and refined carbohydrates (like white bread and sugary snacks) cause rapid spikes in blood sugar, so avoid them. Exercise regularly.

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Asked by Anonymous - Feb 23, 2024Hindi

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I am 59 years old and diabetic for last 26 years. Recently my Hb1ac reading is 8.4 & fasting sugar level is 175 I am under medication of GLIMISAVE MV2 at half an hour before breakfast and GLURA M1000 after Breakfast with 3 glasses of water. I take GLIMISAVE MV2 half an hour before Dinner. I am fairly active and walk 4kms everyday without any break. I do have a fondness of sweets and addiction of tea(black & milk tea) without sugar added. My height is 163 cms and weight is 68 kg Please suggest me some remedies to correct my blood sugar level. Thankd

Ans: Managing blood sugar levels through diet is crucial for overall health. Choose foods with a low GI which will cause slower and more gradual increases in blood sugar levels. Examples include whole grains, legumes (such as lentils and chickpeas), non-starchy vegetables (like spinach and broccoli), and lean proteins (such as chicken and fish). Include high-fiber foods which slow down digestion and help stabilize blood sugar levels. Consume protein-rich foods like eggs, lean meat, legumes, etc. Sugary foods and refined carbohydrates (like white bread and sugary snacks) cause rapid spikes in blood sugar, so avoid them. Exercise regularly.

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Hi I am 54 years old and diabetic since last 6 years. Despite of regular medicine, walk & avoiding sweet intake, My sugar level stays around 200-250. I m taking medicine i.e. Azulix mf3 & 500 (Before breakfast) , Jalra 50+1000 ( After Lunch) and Trivolib 2mg. My weight is 84 Kg and Height is 5'11". Please suggest the corrective steps.

Ans: -More home cooked meals
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- Quality sleep - 7-8hrs/day
- Manage stress

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Asked by Anonymous - Dec 29, 2023Hindi

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I want to invest about a lakh. Is recurring deposit in a bank a good idea? Or should I give half of it to invest in SIPs? Please advise. I am a senior citizen by the way. Thank you

Ans: Firstly, kudos to your intent to invest and secure your financial future even at this stage of life. Your dedication to financial well-being is commendable.

Recurring deposits (RDs) in banks are generally considered safe, akin to a reliable old friend. They offer a fixed interest rate and are guaranteed by the bank, providing a stable return. However, with today's low-interest-rate environment, the returns might not be very lucrative.

On the other hand, Systematic Investment Plans (SIPs) in mutual funds offer the potential for higher returns over the long term. It's like planting a tree whose growth might be slow initially but can bear fruits over time. Equity SIPs, in particular, have historically outperformed traditional investment avenues like RDs over longer periods, although they come with market risks.

Considering your age and the need for a balanced approach, allocating half of your investment to SIPs could be a prudent decision. This allows you to benefit from potential market growth while maintaining a portion in RDs for stability and liquidity.

Remember, always consult with a financial advisor to tailor the best strategy suited to your needs and risk appetite.

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Asked by Anonymous - Dec 28, 2023Hindi

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Good day, I am 41 years old with a good salary. How much money should I start investing every month,to have a monthly income of 1 lkh after retirement.Kindly also advise the various areas of investment.

Ans: Embarking on the journey towards a comfortable retirement at 41 reflects foresight and responsibility. To achieve a monthly income of 1 lakh post-retirement, one needs to plan meticulously, akin to nurturing a tree from a sapling to a robust entity.

Considering the compounding magic of investments, starting with a significant monthly contribution is crucial. It's like planting a tree with strong roots to bear ample fruit later. Aim to invest a substantial portion of your income, balancing between equity for growth and fixed income for stability.

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Question by kapil - Dec 27, 2023Hindi

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Hi Sir, In 5 year I need 30 lakhs corpus, for the same I am investing 30000 per month as follows: 5000 in Nippon large Cap direct growth, 5000 in Nippon India small cap; 5000 in Parag parikh Flexi cap; 5000 in HDFC Transportation and logistics fund; 5000 in Amazon, 1000: Google; 5000 Vanguard S&P 500. Do I have right selections or need to rectify/add/change values or Funds? Also I am using INDMoney for same, any comment on the same?

Ans: Your proactive approach towards building a corpus for your future goals is commendable. Let's delve into your investment strategy.

You've chosen a mix of funds spanning various sectors and geographies, which is akin to cultivating a diverse garden. While each plant has its unique value, it's essential to ensure they collectively thrive. The global exposure with Amazon, Google, and Vanguard S&P 500 can offer growth opportunities, while domestic funds can provide stability.

However, having a human touch in your investment journey can make a world of difference. Digital platforms, though convenient, lack the warmth and emotional support that an AMFI certified Mutual Fund Distributor (MFD) can offer. They can guide you through market fluctuations, aligning your investments with your goals and risk profile. This personalized approach ensures that your financial journey isn't just about numbers but also about understanding and empathy.

In summary, while your fund selection is diverse, consider partnering with an MFD to enrich your investment experience.

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Question by Deep - Dec 27, 2023Hindi

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I'm in my 30s and seeking the optimal retirement investment plan that includes both a pension and insurance coverage, similar to LIC Jeevan Umang. What are the recommended options?

Ans: Embarking on the journey of retirement planning is akin to charting a course on a vast ocean. Your desire for a comprehensive solution that combines both a pension-like steady income and insurance coverage reflects a thoughtful approach to safeguarding your future.

While there are many options available in the market, it's wise to steer clear of putting all your eggs in one basket, like some might with traditional policies. Instead, consider the merits of a Systematic Withdrawal Plan (SWP). SWP offers the flexibility of a sailboat, allowing you to tap into your investments periodically, providing a steady income stream.

Pairing this with a robust term insurance plan can be likened to having a life jacket on this voyage, ensuring your loved ones are shielded from life's uncertainties.

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Hello sir, My son is now in 6th semester ECE in Bangalore. His grades are good. His interest areas are Hardware, Embedded systems, Control systems, Robotics. Which country is best suited for pursuing masters in the above areas? Look forward to your recommendation. Thanks in advance.

Ans: Hello Savitha. First and foremost, thanks for contacting us. Coming to the question, choosing the right country for higher education is a crucial decision as it decides your son’s future both academically and professionally. Keeping in mind your son’s background in hardware, embedded systems, control systems, robotics, there are several countries that have world-class education in the field. Here are some countries recommended for your son:
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Asked by Anonymous - Dec 26, 2023Hindi

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Hi Sir, I am 47 years and wife is 46 years old and we both are working in SW field. We both have started investing in MF for past 3-4 years and below is the investment done in various MF's( currently our SIP is Rs 53,000) . This is been done as per advice of our bank Relationship manager. Our investment horizon is long term and we intend to build a healthy corpus for our retirement. Please advice if our investment is headed in right direction and do we need to recalibrate this. Currently we have a joint home loan of 18 lacs and our apprx. monthly income is 2.5 lacs. Below is the list of our investments in various funds ( with SIP and duration): 1. Axis Blue Chip Fund Regular Plan- Growth SIP 3000 -( since 54 Months) 2. ICICI Prudential Balanced Advantage Fund - Regular - Growth SIP 3000 (since 32 Months ) 3. ICICI Prudential India Opportunities Fund - Growth SIP 3000 (14 Months) 4. Nippon India Large Cap Fund - Growth - SIP 3000 (54 Months) 5. Aditya Birla Sun Life Frontline Equity Fund - Regular Plan - Growth SIP 4000 (Since 6 Months) 6. Axis Focused 25 Fund Regular Plan - Growth SIP 3000 (27 Months) 7. Canara Robeco Emerging Equites- Regular Plan - Growth SIP 3000 (34 Months) 8. HDFC Balance Advantage Fund - Regular Plan - Growth SIP 6000 (6 Months) 9. ICICI Prudential Multi- asset Fund- Growth SIP 3000 (20 Months) 10. Kotak Equity Opportunities Fund- Regular Plan Growth SIP 5000 (6 Months) 11. Mirae Asset Large Cap Fund Regular Plan Growth SIP 4000 (6 Months) 12. Nippon India Small Cap Fund - Growth SIP4000 (6 Months) 13. SBI Equity Hybrid Fund - Regular Plan - Growth SIP 4000 (32 Months) 14. Tata Multi Asset Opportunities Fund Regular Plan - Growth SIP 5000 (6 Months Total SIP 53000 Lumpsum Investments: 1. Axis Growth Opportunities Fund - Fund Regular Plan- Growth 100000 Done on 21st May 2021 2. Axis Global Innovation Fund of Fund Regular Plan Growth 100000 Done on 21st May 2021 Thanks in Advance

Ans: It's commendable to see your commitment towards building a substantial corpus for your retirement. Your diversified portfolio showcases a mix of large-cap, mid-cap, and hybrid funds, which is a good strategy for long-term growth. However, there are a few considerations to ponder.

Firstly, while diversification is key, it's also essential to ensure that you're not over-diversifying, which could potentially dilute your returns. Assess the overlapping sectors and stocks across your funds to avoid redundancy.

Secondly, given your investment horizon and age, it might be beneficial to gradually shift towards more conservative options as you approach retirement. Rebalancing your portfolio periodically can help align it with your changing risk appetite and goals.

Lastly, consider evaluating the performance of your funds against their benchmarks and peer group regularly. Remember, investing is not just about choosing the right funds but also about monitoring and tweaking your portfolio when necessary.

Stay committed to your financial journey, and remember, it's the discipline and patience that often lead to fruitful outcomes in investing.

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Question by Ravindra - Dec 25, 2023Hindi

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This is regarding enhanced pension EPS 95 by EPFO .I am a private sector employee and worked in 3 organizations including current organization. Applied online for enhanced pension through joint option form of EPFO. My first and current organization has approved this joint option form for service rendered in those companies. My second organization is closed and under liquidation. Approval of service of this closed organizations is not happening. I have requested in writing to Liquidator, EPFO also. Lot of grievances on different portal including PG portal were lodged but it is of no use though EPFO has instructed to liquidator to approve but no action and response by them. What is the option for me and solution for this issue. What should be my action for getting it approved. What are the provisions in rule . I have all the service related document of this closed organization. last date for approval by all employer is 31st December. Please guide. Regards Ravindra Pateria

Ans: Dear Ravindra Pateria,

I understand your concern and the urgency you feel regarding the approval of your enhanced pension under EPS 95 by EPFO. It's frustrating when bureaucratic processes become hurdles in securing what's rightfully yours.

Given that you've already taken steps by lodging grievances and reaching out to both EPFO and the liquidator, it might be helpful to escalate the issue further. You could consider writing a formal letter to EPFO, highlighting the urgency and attaching all the necessary documents as proof of your service with the closed organization.

Additionally, you might want to consult with a legal advisor or approach a local EPFO office directly. They might be able to provide guidance on the specific provisions and rules that govern such cases and suggest alternative ways to expedite the approval process.

Remember, persistence often pays off in such situations. Keep all your communications documented and follow up regularly. Wishing you the best in resolving this issue promptly.

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Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Asked by Anonymous - Dec 22, 2023Hindi

Money

Hi... sir, I am 35 year old ,high risk profile and monthly salary is 90k. Exept 20k in VPF, I have been investing 35K in following MF. My goal is to keep invested for 12 to get 1.5 crore. Please suggest me if my investment theme and funds are good or not. 1) SBI smallcap-6k 2) AXIS smallcap-2k 3) SBI MIDCAP -4K 4) KOTAK Emerging eqty- 4k 5)Parag parikh flexicap-5k 6) HDFC multicap- 6k( 1k top up) 7)ICICI PRO Focused eqty fund -4k 8) Motilal Oswal large and mid cap - 4k

Ans: It's commendable that you're planning for the future with such foresight. Your portfolio reflects a blend of small-cap, mid-cap, and flexi-cap funds, which indicates a diversified approach to equity investing. Given your high-risk profile, this seems appropriate. However, it's crucial to remember that high returns often come with increased volatility.

Your goal of reaching 1.5 crore in 12 years is ambitious but achievable with disciplined investing and market growth. The funds you've chosen are reputable, but always keep an eye on their performance and make adjustments as necessary.

Just like a well-tended garden needs regular care and attention, your investment portfolio requires periodic reviews. Ensure that your investments are in line with your risk tolerance, and don't hesitate to seek professional advice when needed.

Remember, investing is a journey, not a destination. Stay patient, stay informed, and enjoy the journey towards your financial goals.

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Ramalingam Kalirajan |753 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Shuthaakharan - Dec 20, 2023Hindi

Money

Good morning sir,I had two sons one son age is 26 he invest sip 3000 monthly who working software professional,his net salary 26000/his retirement age 55,I like 1lakh pension at the time, another my age is 63 I invest sip 9000 monthly already 4lakhs in my sip at the age of 70 what amount I get,my wife is govt employe her net salary 95000/she purchase gold this gold investment is good or suggest good one, please answer this

Ans: Good morning!

It's wonderful to hear that both you and your son are taking steps towards securing your financial futures. Let's break down each of your situations:

For your son, starting SIPs at a young age is a smart move. With his current investments and assuming a modest annual return, he has the potential to accumulate a significant corpus by his retirement at age 55. However, to achieve a pension of 1 lakh per month, he might need to increase his investments or diversify into other financial instruments.

As for you, with 4 lakhs already invested and an additional 7 years of SIPs, your corpus at age 70 will depend on the rate of return. It's essential to ensure that your investments align with your risk tolerance and financial goals for retirement.

Regarding your wife's investment in gold, while gold has traditionally been seen as a safe-haven asset, it's essential to diversify investments. Consider exploring other options like mutual funds, fixed deposits, or government savings schemes for a balanced portfolio.

Remember, financial planning is not a one-size-fits-all approach. It might be beneficial to consult a financial advisor who can provide personalized advice based on your individual circumstances. This journey towards financial well-being is a marathon, not a sprint, and every step taken today brings you closer to your goals.

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Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Praveen - Dec 20, 2023Hindi

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Sir, I am 48 ,I invest 12K in MF per Month,Quant Small Cap 5K,Motilal Oswal 5K and Mirage Assest Blue Chip Emerging Fund 2K.. Current Portfolio is of 10L I Also Invest in Equity of Good Quality TOP 200 co about 15 Scrips.. Current Portfolio is of 10 L..Is my Strategy Current for Long Term Value Creation..I will Work till 55 so Another 7 Years in Hand..

Ans: It sounds like you've taken the initiative to diversify your investments across mutual funds and direct equity, which is a commendable approach. However, the effectiveness of your strategy depends on various factors like your risk tolerance, financial goals, and investment horizon.

Investing in small-cap funds can offer higher growth potential, but they often come with increased volatility. On the other hand, large-cap and blue-chip funds tend to be more stable but may offer moderate returns.

Direct equity investment in top-quality companies can be rewarding but requires thorough research and a good understanding of the market. It's like sailing; you need to navigate through the market's highs and lows with skill and patience.

As you have 7 years until your planned retirement, consider reviewing and possibly rebalancing your portfolio to align with your long-term goals. Consulting a financial advisor can provide you with a clearer roadmap tailored to your needs, ensuring your journey towards financial independence is both smooth and fulfilling.

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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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