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Ans: Given your long-term investment horizon and diversified portfolio, it's natural to experience periods of lower growth or volatility, especially in specific market segments like small caps. However, it's essential to periodically review your investments to ensure they align with your financial goals and risk tolerance.

Considering your existing SIPs in Kotak Small Cap Fund and PP Flexi Cap Fund, it's advisable to assess their performance against their respective benchmarks and peer funds. If they consistently underperform, you may consider reallocating or discontinuing these SIPs.

Regarding starting a new SIP in Mirae Asset Emerging Bluechip Fund or any other large-cap fund, it's a prudent move to diversify your portfolio across different market segments. However, before making a decision, thoroughly research the fund's historical performance, fund manager's track record, expense ratio, and investment philosophy.

Alternatively, you can explore other large-cap funds known for consistent performance and stability, ensuring they complement your existing investments and contribute to your long-term financial objectives.

Remember, regular portfolio reviews and adjustments are crucial to optimize returns and mitigate risks over the long term. Consulting a financial advisor can provide personalized guidance based on your individual circumstances and investment goals.

Ans: Hello Vijay and thanks for writing to me. I discuss only mutual funds. As you wish to invest a higher corpus, you can consider starting SIP's of Rs.5,000 each in:

1-DSP Quant Fund
2-Edelweiss NIFTY 100 Quality 30 Index Fund
3-SBI Focused Equity Fund

I am recommending these funds assuming you are fine with the high risk of equity investments and your horizon being long term. If you share your goals, horizon and risk appetite, I may recommend other funds.

Ans: With your doctors advice you may discontinue telmisartan. Get cholesterol checked and treated with meds if necessary. Moderate level aerobic exercises like walking at brisk pace swimming cycling for 30 min atleast 5 days a week and 1 or 2 15 min session of mod level weight training are recommended for most people. Diets should be rich in whole grains fruits vegetables seeds pulses and legumes and devoid of processed sugars like aerated drinks, low Fibre items like bakery products, red meat and high fat dairy products, junked and packed foods with restrictions on salt and oil use during preparation

Ans: Unutilised amount of gain is required to be deposited in Capital Gain Account scheme