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Sunil

Sunil Lala  |173 Answers  |Ask -

Financial Planner - Answered on Mar 31, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Mansoor Question by Mansoor on Mar 30, 2023Hindi
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Hi Sir, I am earning 30L in a year, aged 46 yrs, want to start investment in SIP & in MF to plan my retirement .. Pls guide me in which SIP & MF to invest to get good returns

Ans: Firstly i would suggest you to earmark a particular amount every month from your salary for MF SIP.
Then make a basket of funds such as emergency funds, short term , mid term and long term funds.
The break up can be 5L - 10L in emergency funds kept aside and post that the % can be 20% in small caps , 20% in mid caps, 20% in multi caps, 10% in thematic funds, 20% in large caps and 10% can be optional. Email me for a lenghty discussion on this topic
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Nikunj

Nikunj Saraf  |308 Answers  |Ask -

Mutual Funds Expert - Answered on Feb 04, 2023

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hi sir I am 27 years old and currently planing to mf/SIP invest , Kindly guide me in which way and in which I should invest
Ans: hello Ravi

It's great that you're thinking about investing in mutual funds at a young age. Here are some general guidelines to help you get started:

Determine your investment goals: Start by figuring out what you want to achieve with your investment. Do you want to save for a down payment on a house, build an emergency fund, or create a retirement nest egg? Having clear goals will help you choose the right investment vehicle.

Assess your risk tolerance: Consider how much risk you're comfortable taking with your investment. Younger investors generally have a longer time horizon for their investments to grow, so they can afford to take on more risk.

Consider your asset allocation: Diversification is important to help manage risk. Consider dividing your investment among different asset classes, such as stocks, bonds, and cash.

Consider the mutual fund's investment style and past performance: Look at the fund's investment objectives, the types of securities it holds, and its past performance.

Remember that investing in mutual funds is a long-term strategy, and it's important to be patient and stick to your investment plan. It's also a good idea to periodically review your portfolio to make sure it's aligned with your goals and risk tolerance.

Consulting a financial advisor can be helpful in creating a personalized investment plan that takes into account your specific goals, risk tolerance, and financial situation
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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |696 Answers  |Ask -

General Physician - Answered on Apr 23, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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My grandmother has Parkinson's and got a tube in her nose that extends to her stomach that so we can inject liquids easily as she completely avoids eating food and doesn't even swallow a sip of water. She snatched the tube out of her nose completely and now it cannot be used again. We cannot keep a check on her for full 24 hours but we try our best. Please suggest anything to avoid the snatching as once a tube has been taken out it cannot be re-inserted. And please one more thing that she keeps wetting the bed despite of using diapers. The diaper always leaks out and then my mom has to clean grandmother, her clothes, the bed sheets etc. She gets tired by doing this twice a day as it is a lot of work. Pls suggest something about the bed wetting to how to minimise it. She is around 70 kgs and cannot even get up herself so my mom has to pull her out of the bed which requires a lot of strength. My mom feels pain in her back and shoulder a lot. All of this happening around the house is too much. I will be grateful if you reply.
Ans: To avoid bed wetting you need to make her wear the correct size diaper. Undersheets can be used as an added protection.
Normally soaking happens if we do not change the diaper adequately.
Please ask your Mom to do some upper body work outs through a physios, help.
With respect to the Ryle's tube, it is an irritant that one gets used to. If your Grandmom does not like it and non cooperative not much can be done. But you could check up with her Physician if now and then Parenteral nutrition can be given by hospitalising her
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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |696 Answers  |Ask -

General Physician - Answered on Apr 23, 2024

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Hello doctor, my father had a mini heart attack in September. He was experiencing asthma and jhanjhanahat (I don't know what else can I call it) in shoulders and hands . His hands would get tight all of a sudden and it would pain a lot. Also, he is very physically active. He used to go to a pulmonologist for asthma but he overlooked all of these and suggested to put volini spray on it. So when he got the heartattack his left body got paralysed for a while and after that he was fine. The doctor said that there was blockage in artery so he got a surgery done where the stunt was placed near waist. We maintained a good diet after that but when he got back to his house my brother's wife would not care much about the diet and fed him oils and refined oil as much as she could. Now it has been 7 month now he has been experiencing tightness in hands and legs again. Please suggest doctor. I fear that he might get heart attack once again. And sir please suggest on one more thing that he used to be a very strict and sophisticated person. But now he has completed changed. Now he is not as strict as before but some weird behaviour is something that I have been noticing over few months. He is highly forgetfully. Like he will ask you for something and then forget about it just after few minutes and then scold you for it. He keeps repeating what he says during a conversation. Sometimes he reacts violently without understanding the situation well which was not the case before. I fear he might have some psychological problems as my mother in law as severe dementia that she cannot even eat or walk. I fear the same.
Ans: May be you father is having vascular dementia
Please consult a Neurologist
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