Hi, I am 27 now and want to start a SIP. I want to achieve 14 Lakhs in 4 years. Please help me in which MF, I should start investing and what is the percentage ratio. My salary is around 50k per moth.

Ans: It's wonderful to hear that you're considering investing regularly. Investing is like planting seeds; with care and patience, they grow into strong trees providing shade for years to come. When you think about the future, isn't it reassuring to know you're taking steps to nurture it?

SIPs (Systematic Investment Plans) and ELSS (Equity Linked Saving Schemes) can indeed be great avenues to consider. SIPs allow you to invest small amounts regularly, making it manageable and less intimidating. ELSS funds, on the other hand, not only offer potential growth but also provide tax benefits, which can be a boon.

As a Certified Financial Planner, my aim is to guide you towards choices that align with your goals and risk tolerance. We'll delve into your aspirations, understand your financial landscape, and choose options that resonate with your journey. It's a partnership where your dreams and our expertise converge.

I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137

Ans: Your fasting blood sugar levels are out of range. Adopt lifestyle modifications like following balanced diet including complex carbohydrates like whole grains (brown rice, quinoa, oats), legumes, and vegetables, healthy fats like avocados, nuts, and olive oil, lean proteins like fish, poultry, tofu, and beans. Avoid refined, sugary ,high fat, fast foods etc. Stay physically active. Regular exercise improves insulin sensitivity and helps manage blood sugar levels. Aim for at least 150 minutes of moderate-intensity aerobic activity per week.

Ans: It is advisable to consult your physician about your insulin dosage as your blood sugar levels are very out of range. Dietary modifications can include foods like complex carbohydrates like whole grains (brown rice, quinoa, oats), legumes, and vegetables. Include healthy fats like avocados, nuts, and olive oil and lean proteins like fish, poultry, tofu, and beans. Limit sugary foods, refined carbs, and saturated fats and stay physically active.

Ans: An HbA1c level of 5.3 is absolutely normal. To increase body weight, focus on weight training to increase lean mass. Follow a regular muscular training regimen under professional guidance and have a high protein diet including lean protein foods like fish, chicken, egg whites, beans, low fat dairy products, soy products, etc. This will keep your blood sugar levels under control.

Ans: It would be advisable to consult your family physician for medical advise. However, dietary changes can be followed by consuming a high fiber diet including vegetables, whole grains, beans, etc. Avoid sugary and refined foods. Include healthy fats like avocados, nuts, and olive oil and lean proteins like fish, poultry, tofu, and beans. Have regular meals and remain physically active.

Ans: For such out of range blood sugar levels, it is advisable to take medication or insulin as advised by your family physician. Monitor her diet with low carbohydrate and high fiber foods like whole grains, vegetables, beans, etc. Avoid refined foods, fruit juices, sugary foods, etc. Lean protein foods like beans, low fat dairy products, egg whites will blunt the glycemic index. Make sure she remains physically active.

Ans: The dietary recommendations to help stabilize blood sugar levels and promote overall health include high fiber vegetables like green leafy and other vegetables, brussels sprouts etc are excellent choices. They provide fiber, vitamins, and minerals while helping control blood sugar. Fruits that are rich in nutrients and fiber are oranges, grapefruits, guava, apples, clementines, etc are high in vitamin C, folate, and potassium. To monitor blood sugar levels, have a high fiber, low carbohydrate, low fat and moderate protein diet. Avoid refined foods, alcohol, sugary foods, etc. Adopt a regular exercise regimen.

Ans: Chyawanprash is a powerful herbal remedy known for its immune-boosting properties. However, jaggery contains equivalent amount of carbohydrates like sugar which will increase the glycemic index. Thus it is advisable to have sugar-free chyawanprash variants .

Ans: As your blood sugar levels are out of range, medication needs to be continued. Abnormal blood sugar levels can be lowered gradually with dietary modifications. A balanced Diet will be focused on whole, nutrient-dense foods, complex carbohydrates like whole grains (brown rice, quinoa, oats), legumes, and vegetables. Include healthy fats like avocados, nuts, and olive oil in your diet .Lean Proteins like fish, poultry, tofu, and beans will blunt your glycemic index. Limit sugary foods, refined carbs, and saturated fats. Stay physically active which improves insulin sensitivity and helps manage blood sugar levels.