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Roopashree Sharma | Answer |Ask -Follow

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

Question by Harish on Mar 19, 2023Hindi

Health

How many hours sleep is recommended daily? Can we compensate if we sleep less lne night by sleeping a lot more the next day? Can sleep cause acid reflux?

Ans: Ideal sleep hours differ for each individual - basis their age, dosha balance and any health ailments. Your predominant dosha defines your sleep pattern, it often gets influenced by day to day stress levels, physical exertion, digital exposure, etc.
During sleep your body is in repair, if it doesn't get the required time to rejuvenate the entire system is effected. Toxins are not eliminated from the body, leading to physical and mental issues. Acid reflux could also be a result of this, or simply due to late night eating habits.

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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Question by Harish - Jan 27, 2023Hindi

Health

What are the foods we must avoid to control acidity? Is lack of sleep one of the big reasons for acidity? Does non veg food cause more acidity than veg? Thank you

Ans: Avoid high fat and sugar foods, fries, spices, chocolates, garlic, raw onions, coffee (caffeine) as these are triggers for acidity. Restrain from soft drinks, fruit juices, alcohol which would add to your fat percentage and act as triggers for acidity. Reduce the total consumption of fat in the diet. Lack of sleep does cause gastroesophageal reflux disease (GERD). As non veg food contains high fat levels, it may cause heart burn especially if consumed in large quantities.

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Consultant Physician, Internal Medicine and Critical Care Expert - Answered on Mar 18, 2023

Question by Pradip - Mar 17, 2023Hindi

Health

If I wake up after 4 - 5 hours of sleep for going to the toilet or feeling cold or any other reason or for apparently no reason, I can't get back to sleep. I can go to sleep again if I have had 3 hours or less of sleep. I can work if I get up but after completing breakfast at around 8 AM, I have to take to bed. Even then, I can't always sleep. My head aches severely without 7.5 to 8 hours of sleep, the extent of severity depending on the extent of sleep shortage; I also get irascible, my eyes irritate and I make wrong decisions. Incidentally, I am 59, am suffering from IBD, have high myopia and glaucoma but no other serious diseases. If I get to sleep 8 hours a day, I can work as well as I did when I was 25 years old and better than and more than most 25 year olds. However, I get this sleep only 2 - 3 days a year; the result is low productivity.

Ans: This is what many sleep experts advise- Stop watching the clock when you are trying to go back to sleep, this will make you more anxious..
Tense each muscle group (starting from the toes upwards) for five seconds, then relax.
If you can’t fall back to sleep after approximately 15 to 20 minutes, get out of bed and find something boring to do and go back to sleep when you feel sleepy again.

Try to go to sleep and wake up at the sametime everyday — even on weekends and holidays.
Avoid consuming caffeine at least 6 hrs before bedtime. .
Make your sleeping environment comfortable.
One hour before bedtime, stop doing work or other mentally-challenging tasks.
Use your bed only for sleep or intimacy. .

As a last resort you can try using Melatonin gummies

Dr Karthiyayini Mahadevan | Answer |Ask -Follow

General Physician - Answered on Mar 25, 2023

Question by S - Mar 18, 2023Hindi

Health

My son, 18 years old is sleeping only for 4-5 hrs daily ( 12am to 5 am). Is it ok in long run? He is a college student and spends time on gym and studies.

Ans: It is not the quantity but the quality of sleep that matters. If his energy level in focus and concentration are good to see the day then no problem. Please ensure his hydration, balanced nutrition and timely meals

Dr Karthiyayini Mahadevan | Answer |Ask -Follow

General Physician - Answered on Oct 02, 2023

Asked by Anonymous - Sep 12, 2023Hindi

Health

Do less sleep can damage the brain? or is too much sleep good for memory? What key lies in sleeping better?

Ans: Mita Aahara(moderation in food) , Mira Vihaara Moderation to activities) and Mita Aayasa(moderation to rest) are key to good health. A good quality sleep is needed than the quantity of sleep

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Question by Harish - Sep 26, 2024Hindi

Health

Unable to sleep properly last few days due to anxiety which results in severe acid reflux. Any medicines which helps get proper 7-8 hours sleep? Does brisk walking help? How to overcome acid reflux?

Ans: Addressing the consequence is not a cure to a problem
Address the problem
So anxiety needs to be looked at.
In life we, cannot avoid surprises and challenges. Change is always a truth. But we can choose where and how to meet it.
To address anxiety
1 At the Physical level-Take regular breathing practices to be aware of your exhalation so inhale and exhale consciously and observe your breath for 2 mts three times a day
At the emotional level-Address through some artistic activity like painting, music or dance regular media of expressing your emotions
3.Mental level Avoid unwanted inputs in to the mind particularly Instagram inputs
It's like collecting trash of what others throw from their mind.
Read books of Biographies
most important lifestyle adoptions are
Early dinner by 6 pm
Avoid animal protein
Regular brisk walks

Latest Questions

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi

Money

Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000

Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Rajesh - Dec 15, 2025Hindi

Money

Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.

Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by kiran - Dec 12, 2025Hindi

Money

canara roboc largecap found past 3 years how much return expected

Ans: Hi Kiran,

Avoid investing in these funds for a short term like 3 years. Although this is a good fund and gives an average of 14% XIRR, but investments should be done thoughtfully.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by ebenser - Dec 11, 2025Hindi

Money

what is prospects of investments in SILVER?

Ans: Hi Ebenser,
Silver is a good investment for now and long term. Avoid any big lumpsum buys and go for small buys each month.

Also it is not a good idea to put all your eggs in one basket. Hence avoid investing everything in silver.
Gold and silver shall not exceed 10% of your total networth.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Nov 28, 2025Hindi

Money

i am 49 yrs. currently invested Rs.13000 monthly in mutual fund. I want to invest more Rs.5000 monthly. pls suggest me. also i have Rs.20000 from FD, where to invest the amount pls suggest me.

Ans: Hi,

Investing everything in mutual funds is never a good idea.
- you should have an emergency fund of 3-6 months worth expenses in FD
- a term insurance and a health insurance is mandatory.

Once these conditions are fulfilled, invest additional 5000 in mutual funds. Share the existing funds in which you are doing SIP along with time horizon for me to guide you in a better way.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by KRISHNAMURTHY - Dec 10, 2025Hindi

Money

Hi, I am a retired person, 66 years of age. Our family has a MUTUAL FUND holding of around 65 lakhs invested mostly in equity funds. We all have a health insurance of Rs 3 lakhs each. We live in our own house and need about Rs 25,000/ month for our expenses, which we get every month by way of SWPs. My daughter has finished her studies , but still has not started earning. I can now invest around Rs 5000 per month in SIPs . Kindly advice me as to which fund I could invest in. Other should I invest in Gold ETFs? Do I need a Demat Account to do the later?

Ans: Hi Krishnamurthy,

It is very good that you have managed to do SWPs to cover your monthly expenses. For additional 5000 investment per month, you can split between the 2:
- 2500 in gold etf (you should have a demat for this)
- 2500 monthly SIP in a multi asset allocator fund.

If you do not want to open demat, can invest 2500 in gold mutual funds also.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by SURESH - Dec 17, 2025Hindi

Money

I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.

Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Bhogu - Dec 11, 2025Hindi

Money

Dear Sir, Kindly enlighten me as to how long one can park ( years ) MFs in growth investments. Do they need to be renewed periodically? Do they lapse on long period of investments?

Ans: Hi Bhogu,

You can park for indefinite period. There is no renewal necessary and there is no lapse. On death of the holder, your family can claim those investments if they have the details.

But since you are a new investor, avoid investing in random funds and take a professionals help.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by deepa - Nov 28, 2025Hindi

Money

I have invested in Quant Small Cap, Quant Infrastructure and Quant Large and Midcap through SIP route. This is almost 18 months and I have never found these 3 on positive so far. Please suggest if I can stop and switch to some one. I plan these SIPs for a time frame of 3 yrs. Best

Ans: Hi,

These funds are not recommended. You can redeem these funds and invest in better funds available. And avoid investing in such random funds yourself. Instead take a professional's help.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |458 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Siddhartha - Nov 30, 2025Hindi

Money

What is Sovereign Gold Bond. How does it work and how much it is beneficial as compared to FD's for those seeking regular income.

Ans: Hi Siddhartha,

SGB were great Gold Bonds to invest your money in, but these have been discontinued by the government. You cannot invest in any SGB now. But SGB's were not ideal for regular income as they offered only 2.5% annual interest.
FD or SWP from mutual funds is the best way to seel any regular income.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

See more questions »

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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