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Ans: Your portfolio seems diversified across different types of mutual funds, which is a good approach. However, here are some considerations and suggestions:

Diversification: You have exposure to large-cap, mid-cap, small-cap, ethical, and technology funds, which is good for diversification. Ensure you're comfortable with the risk associated with each category.

Review Ethical Fund: While ethical funds align with your values, they may have specific risk-return characteristics. Review the performance of Tata Ethical Fund compared to broader market indices and assess if it aligns with your long-term goals.

Risk Management: Small-cap and technology funds can be more volatile. Ensure you're comfortable with the risk associated with these funds, especially considering your long investment horizon.

Regular Review: Periodically review your portfolio's performance and make adjustments as needed. Keep track of any changes in fund management, strategy, or market conditions that may affect your investments.

Consider Financial Advisor: If you're unsure about your portfolio or need personalized advice, consider consulting with a financial advisor who can provide tailored recommendations based on your financial situation and goals.

Overall, continue investing systematically and stay disciplined with your investment strategy to benefit from the power of compounding over the long term.

Ans: Hello
The most common causes for chapped lips are dry weather or dehydration. They should heal with a little self-help in 2 to 3 weeks. If they don't, there's a possibility of underlying conditions causing it. Such as vitamin deficiency or infection.
The same holds true for gum bleeding. If the bleeding was caused only by local factors such as build-up of tartar and poor oral hygiene then the bleeding should stop or at least reduce substantially after scaling. If it hasn't, we need to rule out underlying causes.
Both problems are easily treatable once the cause is identified. Please consult a competent dermatologist/dentist.

Ans: Tendancies to sit closer to AC and cold temperature dries up
Regulate the temperature indoors and keep a bowl of water in the room where you work long hours.
Shift your mind from that place of injury except twice when you apply plain Vaseline once in the morning and once in the evening
Do not apply any cosmetics till it heals

Ans: Hello Rehan and thanks for writing to me. The funds you invest in are good funds, but with your time horizon, I recommend you pause investing in Axis Blue Chip Fund, Tata Ethical Fund and SBI Bluechip Fund and instead invest the Rs.9000 in:
1-Kotak Small Cap Fund-Rs.3,000
2-UTI Small Cap Fund-Rs.3,000
3-SBI Magnum Mid Cap Fund-Rs.3,000

As your time horizon is long, small and midcap schemes can potentially generate better returns than larger cap schemes.

Periodic rebalancing is essential to ensure you are on the right track to achieve your financial goals.

Ans: Your portfolio is good just be invested for long term