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Ans: Scales with patchy skin lesions are Psoriatic

Ans: Without having more details, difficult to give a precise advice. A General thumb rule would be that you invest 60%/70% in equities or similar risk assets and balance in higher safety assets like debt. Out of this 60%/70% allocated for equities - you should decide how much to invest in mutual funds vis-a-vis direct equities - this would based on the fact whether you have the time & inclination to invest directly. It means you will need to spend time studying the prospects of your investee companies - monitor the portfolio on a regular basis etc etc. If not, the whole amount could go into various mutual funds. (Disclaimer : The views given are personal. Please consult your CA or Investment Advisor/Tax Consultant before acting on my views)