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Ans: I know you're worried about how your son is doing in school, but don't give up hope. Tell your son to focus on studying hard for the complementary exams. Help him understand what he was having trouble with by giving him the necessary help and tools. You should also ask his teachers or academic tutors for help making a study plan that fits his needs. Not getting what you want is a normal part of life. What counts is how you handle it. Your son can overcome this problem and keep working toward his school and job goals if he is persistent and determined.

Ans: Marks are not the end of the world.
You can explore various other option which can be of his interest. Tell him to explore his hobbies which can be made into career,by taking professional courses.

Ans: Dear Santanu,

Looking at your age and investment horizon, before investing you have to understand the risk and the reward associated with the investment avenue. If your risk appetite is low and you are looking for complete safety over the period, you can opt for any debt fund which invests in government securities or high rated bonds such as AAA or you can invest in any top-rated dynamic bond fund.

However, if you are willing to take moderate risk for your investments you can also opt for any Hybrid fund category such as Balanced Advantage or Aggressive Hybrid funds - with increasing risk, the probability of getting higher returns increases.

If you are willing to take risk, I suggest you to start your monthly SIPs into any Index funds or flexi cap fund where you will get decent returns on your investments. As index funds works on the strategy that replicate the returns of the benchmark, investing in this fund is always a suggestable call. Flexi cap is the category where you get the exposure of all the three categories of equity market and get diversification within your investments.

Hence, I suggest you to evaluate your risk and do complete research before initiating the investments.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

Ans: Hello sir,
The first step would be to ask him the following questions:
What does he enjoy studying?
which subjects is he scoring the highest?
What does he do in his free time?

Ans: Depending on HbA1c and fasting glucose, some modifications in treatment may help, especially if diet and daily exercise/ walking is already done.

Ans: Hi Santanu, thank you for writing to me. Fund selection depends on what your risk appetite is and how much you are comfortable investing in. Please share more details so I can give you a good recommendation.