How to Choose the Best Mutual Fund for Investment

How to Choose the Best Mutual Fund for Investment

by | Dec 17, 2023 | mutual-funds

How to Choose the Best Mutual Fund for Investment

The popularity of investing in mutual funds has been steadily growing in India as individuals aim to achieve their financial goals and grow their wealth. Mutual funds offer a professionally managed and diversified investment option, which can be instrumental in building wealth over time. However, with a vast array of mutual funds available in the market, selecting the best one can be a daunting task. In this comprehensive guide, we will explore the key factors to consider when choosing the ideal mutual fund for your investment needs in India.

                                                                                                                         Subas Tiwari

Understanding Mutual Funds

Before embarking on the selection process, it is essential to have a clear understanding of what mutual funds are and how they operate. A mutual fund is essentially a pool of funds collected from numerous investors with the objective of investing in a diversified portfolio of assets, which may include stocks, bonds, or other securities. These funds are managed by professional fund managers who make investment decisions on behalf of the investors.

Mutual funds offer various advantages, including diversification, professional management, liquidity, and accessibility, making them an appealing choice for both novice and experienced investors. However, it is important to acknowledge that not all mutual funds are created equal, and choosing the right one is crucial for achieving your financial goals.

Determine Your Investment Goals and Risk Tolerance

The first step in selecting the best mutual fund for investment is to define your financial goals and ascertain your risk tolerance. Your investment objectives will dictate the type of mutual funds that align with your needs. Here are some common investment goals and the types of mutual funds that are suitable for them:

  1. Wealth Creation (Long-Term Growth): In this scenario, Equity Mutual Funds are appropriate. These funds primarily invest in stocks and are well-suited for investors with a long-term horizon (typically five years or more). They offer the potential for higher returns but come with higher volatility.
  2. Capital Preservation (Low Risk): If your objective is capital preservation with low risk, Debt Mutual Funds are the right choice. These funds invest in fixed-income securities like government bonds, corporate bonds, and money market instruments. They are relatively less risky and are ideal for conservative investors looking for stable returns.
  3. Income Generation (Regular Income): Hybrid Mutual Funds, also known as balanced funds, are suitable for those seeking regular income and capital appreciation. These funds invest in a combination of equity and debt instruments.
  4. Tax Saving: For tax-saving purposes, consider ELSS (Equity Linked Savings Scheme) Mutual Funds. ELSS funds offer tax benefits under Section 80C of the Income Tax Act and predominantly invest in equities. They come with a lock-in period of three years.

Understanding your risk tolerance is equally important. Your risk tolerance depends on factors such as your age, financial situation, and your willingness to endure market fluctuations. Generally, younger investors with a longer investment horizon can afford to take on more risk, while older investors may prefer more conservative options.

Evaluate Fund Performance

Once you’ve identified your investment goals and assessed your risk tolerance, the next step is to evaluate the performance of mutual funds. Past performance can offer insights into how a fund has historically performed, but it should not be the sole basis for your decision. Here are some key factors to consider when evaluating fund performance:

  1. Historical Returns: Examine the fund’s historical returns over different timeframes, including one year, three years, five years, and ten years. Compare these returns to relevant benchmark indices to gauge how well the fund has performed.
  2. Risk-Adjusted Returns: Take risk-adjusted measures like the Sharpe ratio and the Sortino ratio into account. These metrics consider the level of risk a fund has taken to generate its returns, with a higher ratio indicating better risk-adjusted performance.
  3. Consistency: Look for funds that have demonstrated consistent performance over multiple market cycles. Funds that consistently outperform their peers may be a good choice.
  4. Fund Manager’s Track Record: Assess the track record and experience of the fund manager. A skilled and experienced fund manager can significantly impact a fund’s success.
  5. Expense Ratio: Pay attention to the fund’s expense ratio, which represents the annual fees and charges deducted from the fund’s assets. Lower expense ratios can translate to higher returns for investors.

Understand Fund Categories and Objectives

Mutual funds are categorized into various types based on their investment objectives and asset allocation. Understanding these categories can help you narrow down your options. Here are some common mutual fund categories in India:

Equity Funds

  1. Large-Cap Funds: These funds invest in large-cap stocks.
  2. Mid-Cap Funds: Focus on mid-sized companies.
  3. Small-Cap Funds: Invest in small-cap stocks.
  4. Sectoral Funds: Concentrate on specific sectors like technology, banking, or healthcare.

Debt Funds

  1. Liquid Funds: Invest in very short-term debt instruments for liquidity.
  2. Income Funds: Focus on generating regular income.
  3. Gilt Funds: Invest in government securities for stability.
  4. Credit Risk Funds: Invest in lower-rated corporate bonds for potentially higher returns.

Hybrid Funds

  1. Balanced Funds: Maintain a balance between equity and debt.
  2. Aggressive Hybrid Funds: Have a higher allocation to equities.
  3. Conservative Hybrid Funds: Have a higher allocation to debt.

Other Funds

  1. Index Funds: Mirror the performance of a specific market index.
  2. Fund of Funds: Invest in other mutual funds.
  3. International Funds: Invest in foreign markets.

Understanding the category and objective of a fund will help you align it with your investment goals. For example, if you want exposure to international markets, you may consider international funds, while if you seek regular income, income funds may be more suitable.

Assess Fund Size and Asset under Management (AUM)

The size of a mutual fund and its assets under management (AUM) can provide insights into its popularity and liquidity. A larger AUM can indicate investor trust and stability, but it’s essential to strike a balance. Extremely large funds may face challenges in deploying capital effectively, potentially leading to diluted returns.

On the other hand, very small funds may lack the resources and expertise to manage assets efficiently. It’s advisable to consider funds with a reasonable AUM that aligns with your investment objectives. Smaller investors may find smaller funds more accessible, while larger investors may prefer funds with substantial AUM.

Analyse Fund Expenses

Mutual funds come with various expenses, and it’s essential to understand how these costs can impact your returns. The two primary expenses associated with mutual funds are:

  1. Expense Ratio: The expense ratio represents the annual fees and charges deducted from the fund’s assets. It includes management fees, administrative expenses, and other operational costs. Lower expense ratios can lead to higher returns for investors, so it’s wise to compare expense ratios within the same category.
  2. Exit Load: An exit load is a fee charged when investors redeem their units before a specified holding period. Different funds have different exit load structures, so be aware of these fees, especially if you might need to access your money in the short term.

Additionally, some funds charge load fees when you invest (entry load), but these have become less common due to regulatory changes in India.

Consider Tax Implications

Tax efficiency is a crucial factor when choosing a mutual fund in India. Different types of mutual funds have varying tax implications. Here’s a brief overview:

  1. Equity Funds: Long-term capital gains (LTCG) from equity funds are tax-free if the holding period is more than one year. However, a 10% LTCG tax is applicable on gains exceeding Rs 1 lakh.
  2. Debt Funds: LTCG tax on debt funds is applicable after three years, and it is taxed at 20% with indexation benefits. Short-term capital gains are taxed as per the individual’s tax slab.
  3. ELSS Funds: ELSS funds offer tax benefits under Section 80C of the Income Tax Act, with a lock-in period of 3 years.

Understanding the tax implications can help you optimize your investment strategy and minimize tax liabilities.

Review Fund Holdings and Portfolio

Examining a mutual fund’s portfolio and holdings can provide valuable insights into its investment strategy. Key points to consider include:

  1. Asset Allocation: Determine the fund’s allocation to different asset classes (equity, debt, and cash) and sectors. Ensure it aligns with your risk tolerance and investment goals.
  2. Top Holdings: Review the top holdings of the fund. Are they in line with your expectations? Assess the quality and diversity of these holdings.
  3. Portfolio Turnover: Higher portfolio turnover can lead to higher transaction costs and tax implications. A fund with a low turnover may be more tax-efficient.
  4. Concentration Risk: Be cautious of funds with high concentration in a few stocks or sectors, as they may be riskier.

Evaluate Fund Management Team

The fund manager plays a pivotal role in the performance of a mutual fund. Here’s how to assess the fund management team:

  1. Track Record: Research the fund manager’s past performance and experience in managing similar funds.
  2. Investment Philosophy: Understand the fund manager’s investment approach and philosophy. Does it align with your investment goals?
  3. Fund Management Changes: Check if there have been recent changes in the fund management team. Frequent changes can be a red flag.

Review Fund House Reputation

The reputation of the mutual fund house is another crucial factor to consider. Look for a fund house with a history of ethical practices, transparent reporting, and investor-friendly policies. Research the fund house’s overall performance and credibility in the market.

Consider Systematic Investment Plans (SIPs)

Systematic Investment Plans (SIPs) are a popular way to invest in mutual funds regularly. SIPs allow investors to invest fixed amounts at regular intervals (e.g., monthly) and benefit from rupee cost averaging. SIPs can be an excellent strategy for long-term investors looking to mitigate market volatility.

Seek Professional Advice

Choosing the best mutual fund for your investment needs can be complex, and seeking professional advice can be beneficial. Financial advisors can help assess your financial situation, risk tolerance, and investment goals to recommend suitable mutual funds.

Monitor Your Investments

Once you’ve selected a mutual fund, your job doesn’t end there. Regularly monitor your investments to ensure they align with your objectives. Review your portfolio periodically and make adjustments if necessary. Avoid making impulsive decisions based on short-term market fluctuations.

Conclusion

Choosing the best mutual fund for investment in India requires careful consideration of your financial goals, risk tolerance, and various fund-related factors. It’s essential to conduct thorough research, evaluate fund performance, assess expenses, and consider tax implications. Additionally, stay informed about market developments and seek professional advice when necessary. By taking a disciplined and informed approach to mutual fund investing, you can work towards achieving your financial objectives and building long-term wealth in India’s dynamic investment landscape.

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Questions and Answers December 2023

by | Dec 17, 2023 | Legal

Questions and Answers December 2023

Question 1: The land booking has been cancelled, and there is a request for a refund of the money paid to the builder. The agreed-to-sell document was signed, but objections to the terms arose before registration, resulting in a refusal to register. The total amount paid is Rs 2, 96, 00,000, distributed across installments of Rs 1,000, Rs 99,000, and Rs 96,132. (Jitendra Yadav, Jhansi, UP) 

Answer: If the agreement remains unsigned, no terms have been agreed upon. In situations where legal requirements dictate that an agreement must be registered to be valid, failure to register renders it as unsigned. This is particularly applicable to agreements involving immovable property, where registration is deemed mandatory.

How buyer has the right to cancel the booking, as per agreement 

  • Buyer can cancel the booking within the stipulated time frame of one month from the receipt of the Unregistered Agreement for Sale (Plot) dated 14/07/2023.
  • That the agreement between the promoter and the allottee becomes binding only after the allottee signs and delivers the agreement along with the necessary schedules and payments within 30 days from the date of receipt.
  • The submission of the draft agreement with the allottee’s appearance for registration before the Sub-Registrar is a crucial step in this process. As per clause 20 of the draft agreement, since this process remains incomplete, there is no formal agreement established between the parties.
  • Promoter has also not taken initiative to get the document registered to make it complete contract, hence the application of the allottee shall be treated as cancelled as per draft agreement clause 20 & 22.
  • The sums deposited by the allottee, including the booking amount, are to be returned without interest or compensation.

Reasons for cancelling the deal: Legal issues

  • Failure to adhere to the obligatory stipulations outlined in The Uttar Pradesh Real Estate (Regulation and Development) (Agreement for Sale) Rules, 2018, as per the RERA Act of 2016, including the omission of critical sections such as “21. Entire Agreement.”
  • Non-receipt of the Non-Encumbrance Certificate and a No Objection Certificate (NOC) from the relevant authority, a prerequisite for loan approval from any bank.
  • Indication of the land being mortgaged to HDFC Bank, necessitating permission from the bank, with no recorded evidence of such approval.
  • The verbal assurances given by the representatives of the promoter substantially deviate from the terms specified in the Agreement for Sale (Plot), particularly in relation to the insistence on a 90% payment without obtaining the necessary No Objection Certificate (NOC) and Non-Encumbrance Certificate.

Status of Contract 

There is no fully registered agreement with the sub-registrar; what exists is merely an offer or proposal. Without formal acceptance, there is no legally recognized contractual agreement. This situation involves the provision of funds for a contract that remains incomplete, placing the recipient of the funds in debt to the homebuyer. The obligation is to refund the money along with interest and compensation due to the breach of contract, which has led to misrepresentation to the homebuyer and the squandering of time, energy, and other potential opportunities.

Question 2: Is it possible for me to approach the High Court for the enforcement of the consumer court order while the opposite party’s appeal is pending before the State Commission?

Background: The truck, financed through a loan, had one instalment unpaid. The bank repossessed and sold the vehicle at auction. However, the truck has not yet been transferred to the buyer. A consumer complaint was filed, and since the opposite party did not appear, an ex-parte order was issued in favour of the complainant. The case has now reached the execution stage, but the opposite party has filed an appeal. Can I seek execution in the High Court while allowing the appeal to continue in the State Commission? (Shubh Yadav) 

Answer: After appeal is filed, execution shall be stayed. Court may order the lower commission to hear the case on merits and send back to the District commission for trial. High court has no jurisdiction to enter into the matter. In some cases where execution by revenue department is delayed, HC in writ has ordered to speed up execution but not in cases of appeal. 

Question 3: My phone sustained physical damage, and I personally arranged and paid for the repairs within the warranty period. Currently, the phone is malfunctioning, and the service centre has declined repair requests multiple times. Now that the warranty has expired, can I still request repairs despite the device being out of warranty? (Aniket, Faridabad, Haryana) 

Answer: It’s crucial to grasp the terms of the warranty. Typically, if an unauthorized entity performs repairs during the warranty period, it may void the warranty. However, if the service centre conducts the repair, you generally have the right to request further repairs. In your situation, where the damage is a result of your actions, there might be complications. Nonetheless, legally, if you reported the issue during the warranty and it remains unresolved even after the warranty has expired, it can be considered a continuing cause of action.

Question 4: Is it possible to scrutinize the LIC policy under Section 45 of the Insurance Act after the policy is revived by paying the missed premium? 

Background: The LIC policy was initiated on 28.10.2016 by my father. A premium was missed, and revival occurred on 16.7. 2020 after a thorough health check-up. The policyholder passed away on 18.2.2021, and the three-year period had not elapsed. Post-revival, the policyholder underwent heart treatment. The claim was declined due to non-disclosure, despite the demise not being attributed to a heart attack. (Raj Jain)

Answer: 

Two questions involved –

Within three years, can the company cancel the policy ?YES Section 45 (2) A policy can be called  in question at any time within three years from the date of commencement of the policy or the date of revival of the policy or from the date of rider of the policy…..

But it should have been communicated in writing to insured about the reason and decision and opportunity to explain. If cause of death is not the non-disclosure of material fact, in your case heart attack, you need to specifically disclose with evidence the cause of death and proved facts so not disclosed are not ‘material’ in your case.

Question 5: Is it possible to exchange my vehicle or receive a refund if a feature is absent?

Background: I bought a car from Tata Motors in May 2023. In July, I discovered that a feature mentioned in the brochure (Dual function of DRL with indicator) was missing. Upon contacting the showroom, they explained that this feature is intended for a higher model and is not available in my model. Additionally, other complications could not be rectified. (Abhishek Singh Rathore, Pune) 

Answer: If the brochure affirms the inclusion of a particular feature in your version, the dealership is obligated to provide that feature if it is feasible. If it turns out that the promised feature cannot be implemented in your model, you have the right to either exchange the car or receive a refund.

For any additional complications that can be addressed through repairs or part replacements, every effort should be made to rectify the issues. If, despite attempting repairs and changing parts, the problems persist and cannot be resolved, the next step would be to consider exchanging the vehicle.

Question 6: S.Dass – Execution against Jiva club issue.

Facts -Execution petition filed, OP not appearing before the court. Available address rented. I have no property details but bank account details 

Can account be attached?

Answer:

Two issues involved –a) Notice not served 

  • Notice can be sent to available address last known to the court and you.
  • Can send through E-mail also
  • Can do substituted service through publication in the local paper where OP office/branch, application to court for permission and notice matter.
  1. b) Attachment of property stage comes only after notice served property and still OP does not appear.
  2. c) Account cannot be attached without taking all steps as it leads to many complications, other business /personal activities of a person get affected 
  3. c) You can get address and other details from the bank, can request court to direct bank to do so.

Question 7: Rajnikanth Panigrahi :Procedure in Appeal before state commission

Facts: Complaint before District commission for defective paper cup machine making three parties-Dealer Rashmi Enterprises, Manufacturer Aman Impex and SBI General Insurance for loan 

Only Rashmi Enterprise appeared, order against Rashmi Enterprises and in my favour 

I appealed for not giving compensation

SBI &Rashmi Enterprises also challenge the order

State commission finds district order erroneous because Aman impex was not served and manufacturer is not liable now 

State commission suggests to attract Product liability clause for execution of order in the absence of manufacturer .

Answer:

  • In the absence of any order against manufacturer, you can catch hold dealer only under product liability clause section 85,86 

Question Sanchay Deshmukh :Property issue 

Facts ;Purchased a land which belonged to Govt(school &garden land) but colonizer and sarpanch illegally sold to me.They were sent to jail for crime.Now not getting any approvals for construction 

Answer; this is not your land now, its declared Govt. land .You can file case for refund of your money in civil court as recovery suit and compensation also for unfair dealing

Can also file before consumer court/RERA for unfair trade practices and refund with compensation 

Question 8: Builder issue 

Fact: complaint filed before consumer forum against DHFL which was dismissed approached NLCT &copy to president, nothing has happened 

Ans :

  • NCLT is not appellant court for consumer matters ,hence if filed appeal,it will not work 
  • In case case dismissed because OP Is Declared Insolvent ,Then You Have Become financial creditor and file claim before NCLT for refund or any other solution as per resolution passed by NLCT 

    Question 9: Imran khan builder issue

    Facts; Booked flat in 2017, 3 years’ time for construction 

    After 6 year’s now flat ready but asking for increased cost. 

    Answer:

    • File complaint before consumer commission and ask for some interim order for possession at agreed cost till matter is decided on merits 
    • Claim for compensation for delay before the court 
    • Contest the issue of cost increase because delay was due to builder and homebuyer had agreed for cost which was at the time of three years of construction period.  

      Question 10: Purchase of vehicle

      Facts: Purchase vehicle, delivery due on 6.12.2023 .At the time of delivery sunroof not working, promised to give on 11/12/2023 neither delivery nor changing vehicle.

      Refusing cancelling Registration 

      Answer: 

      Can file complaint before consumer commission you have options to repair, change, refund etc. depending on merit of the case 

      Question 11: Complaint ;Radhey Gupta ,Education issue 

      Facts; Case filed against University. Court asks for some document or proof to show you are a consumer in education matter 

      Answer:

      Student is not consumer against University 

      Bihar examination board case 2009 

      Question 12: Sandeep Arora 

      Facts: New Bike with starting problem .Service centre failed to remove the defect .Now case filed before consumer commission and service centre refused to give any service. Next date is 19.2.24

      Any way to get bike repaired or early date possible .What application can be filed before court.

      Answer:

      • You can file an application stating your this problem and ask for early date 
      • You can also file an application during hearing next time for interim order do get vehicle repaired till case decided on merits 
      • You can also request court to obtain expert opinion about the defects in the vehicle and decide the relief on merits 

        Question 13: Electricity Bill 

        Facts: Getting huge bill of Rs 25000/- for four months due to fast meter

        Answer:

        Application to electricity department for checking meter, you need to pay some fee for it 

        In case meter found fast /defective, billing shall be done on the basis of earlier billing pattern calculating average during the last six months  

        Question 14: Purchase of vehicle 

        Facts :Purchase Yamaha Aero ON 5TH Oct 023 Engine stops after driving 1364 Km ,repaired after 4 days Again after 3200 km same problem 

        Can I get vehicle changed 

        Answer:

        Not a case of change unless declared beyond repair or having manufacturing defect .May go to consumer court, ask for obtain expert opinion and order on merits

        Question 15: Construction issue 

        Facts Collaboration with dealer for construction .Work not completed, Lift not made functional .Given us fourth floor 

        Answer: Explore any payment issue .Can go to consumer commission /RERA

        Question 16: A.Kapur Advocate 

        Can relevant law be incorporated in the petition/complaint?

        Answer:

        Generally petition /complaint is narration of facts with relevant documents. Case law, citation and judgments are attached with written arguments and discussed at the time of oral arguments 

        But while drafting complaint when you allege for deficiency in service, you can refer to relevant provisions such as how you become complainant as per definition of complainant, product liability clause, express warranty, unfair trade practice or misleading ads defined in the act. 

        Question 17: Rajput Baghela 

        Builder has not obtained completion certificate but forcing to take possession.

        Answer:

        First, you can refuse to take possession without completion certificate because there might be some incomplete work or administrative/legal requirement for which Completion certificate is either rejected or not applied by builder 

        Second: sometimes due to so much delay, homebuyer accepts possession without completion certificate, in such situation corporation may ask for extra taxes for this default. There are judgments that such penal taxes are to be borne by builder only for which you may have to go to court

        Third, you can go to consumer commission or RERA at this stage also for possession with completion certificate and compensation for delay.  

        Question 18: Advocate Raj Jain

        After 45 days of notice, OP comes with excuse that policy record of complainant not traceable, time be given to trace records.Commission asked to submit proof of service made .Is this the duty of consumer to track service of notice?

        Answer: After 45 days from proper notice with documents, this excuse cannot work. Commission asking you to provide proof of service is to confirm that service is made in proper manner. After confirmation of notice served, commission can exercise its power to go expert against OP.

        It’s not duty of complainant to track service of notice but you can facilitate the court when you press for proceeding ex party against OP.

        Question 19: Dilip kumar 

        Can we ask for govt. documents also through RTI ?

        Answer:

        Yes, you can ask for documents also if you are an interesting party. You need to prove how you are entitled to get information or documents. Further under RTI you can be given information only but cannot reply as to why no action/or un- favouring action has been taken 

        Question 20: Smitha Bangalore 

        What is the difference between execution through civil court and consumer commission, explain procedure. 

        Answer: There is no difference in procedure for execution of order by consumer commission. In both places order xx1 Ist schedule of CPC 1908 is to be followed. Consumer commissions are given power of Ist class Magistrate to follow this procedure within the Act under sec 71&72

        Procedure is the same –Notice, BW, NBW through police, Arrest by police &fine by commission, order for attachment of property. 

        Question 21: Vinod Yadav 

        How medical negligence cases are proceeded and proved 

        Answer:

        Procedure is same for all cases coming to consumer commissions since in medical cases, medical literature, expert opinion etc. are required. Treatment record is also important factor, Sometimes more than one affidavits are needed for evidence. There may be more than one expert opinions are accepted or sought by courts. Hence process becomes lengthy

        Negligence is proved on the basis of entire facts, circomstances, treatment record, medical literature and medical expert opinion. Activities of para medical staff, required infrastructure in the hospital /nursing Home and requisite facilities are also considered for reaching to some logical end

        Food Contact Materials and Your Health: Tips for a Safer Approach

        Food Contact Materials and Your Health: Tips for a Safer Approach

        by | Dec 17, 2023 | Guest Column

        Food Contact Materials and Your Health: Tips for a Safer Approach

        Recently, the Food Safety and Standards Authority of India (FSSAI) issued a strong advisory urging both consumers and food vendors to refrain from using newspapers in any capacity related to packing, serving, or storing food items. The FSSAI emphasized the potential health hazards associated with the ink used in newspapers, citing its composition of bioactive materials known to have adverse effects on health when ingested. Additionally, these printing inks may contain chemicals such as lead and heavy metals, which can leach into the food, posing serious long-term health risks. The FSSAI is actively collaborating with state food authorities to enforce a ban on the use of newspapers for packaging or wrapping food items. Besides newspapers, there are many other food contact materials we encounter daily that can significantly influence our health. In this article, we will delve deeper into some of these materials, discuss how their usage can affect our health, and provide tips on safeguarding our health against their potential risks.

        Richa Pande

        What are Food Contact Materials?

        Food contact materials encompass items directly or indirectly interacting with food. This includes any material intentionally or likely to come into contact with food, packaging materials, cleaning agents, cutlery, dishes, containers, cutting boards, and more. 

        Watch Out for ‘Forever Chemicals’ in Your Food Packaging and Everyday Environment

        “Forever chemicals” refer to a group of synthetic chemicals known as PFAS (per- and polyfluoroalkyl substances), notorious for their long-lasting nature. These chemicals earned the nickname “forever chemicals” due to their remarkable durability. According to the Centre for Disease Control and Prevention, PFAS are utilized in nonstick cookware, disposable take-away food packaging, pizza boxes, burger wrappers, water-resistant clothing, stain-proof fabrics, microwave popcorns bags, some cosmetics and various other items designed to repel grease, water, and oil. Unfortunately, these chemicals have been associated with heightened risks of thyroid disease, cancer, liver diseases, decreased fertility, low birth weight, non-communicable diseases, and other significant health issues.

        How can you avoid PFAs/ Forever Chemicals?

        It is very difficult to avoid forever chemicals but there are some steps you can take to reduce exposure to PFAS via everyday products:

        • Reverse osmosis systems can eliminate PFAs in water. Replace filters as required.
        • Avoid using non-stick cookware and choose stainless steel utensils.
        • Avoid picking microwave popcorns. 
        • Store your food in glass containers not in plastic or cardboard containers. 
        • Limit eating foods packed in take-out containers.
        • Use BPI certified compostable food wraps as they do not have PFAs.

        Reducing Plastic Contact with Food

        Minimizing food’s contact with plastic is critical due to potential health risks associated with chemicals like BPA (bisphenol A) and phthalates, as well as the presence of microplastics in food and water. However, it’s important to note that certain food-grade plastics deemed safe for use have undergone rigorous testing to meet specific safety standards. Nonetheless, continuous exposure to even food-grade plastics may carry risks, prompting a need to limit reliance on plastic in food storage and preparation.

        Tips to Minimize Food’s Contact with Plastic

        • Prefer Alternatives: Prioritize materials like glass, stainless steel, or silicone for storing and heating food, minimizing reliance on even food-grade plastics. Storing kitchen staples in steel and glass containers provides a safer alternative to plastic. Opt for glass bottles to store cold-pressed cooking oils instead of plastic containers, as glass prevents potential chemical interactions with the oil, maintaining its quality and purity. Steel containers serve as excellent options for preserving grains, pulses, and spices, ensuring a safer and healthier environment for your kitchen essentials.
        • Choose Non-Plastic Chopping Boards: Use chopping boards made from wood, instead of plastic boards to avoid potential chemical leaching and microplastic contamination.
        • Verify Labels: Choose food storage containers specifically labelled as BPA-free or made from safer plastics like high-density polyethylene (HDPE) or polypropylene (PP) to reduce potential chemical leaching.
        • Use Plastic Sparingly: Whenever possible, opt for non-plastic alternatives such as glass jars, stainless steel containers, or silicone bags for storing and transporting food to mitigate exposure to any potential risks associated with prolonged plastic usage.
        • Avoid using plastic-based food blenders; opt for steel or glass-based blenders instead.

        Plastic Chopping Boards

        Wood Chopping Boards

        Plastic Containers

        Steel & Glass Containers

        Dishwashing Liquids & Bars (Laced with chemicals)

        Natural Alternatives

        Refined Cooking oil in Plastic Pouches or Containers

        Cold-pressed cooking oil in glass bottles

        Easy Swaps for Better Health

         

        Safeguarding Health and the Environment: Choose Chemical-Free Alternatives for Dishwashing

        Common dishwashing liquids, promising effective grease removal and pleasant scents, often hide a range of active ingredients that pose risks to both your well-being and the environment. Ingredients like Disodium EDTA, phosphates, triclosan, and SLES are frequently found in these products. Even after a thorough cleaning, remnants of these liquids persist on our dishes, entering our bodies with every subsequent meal. This can potentially disrupt the gut microbiome, affecting our overall health and leading to various diseases and metabolic disorders.

        What are the alternatives?

        Consider opting for natural ingredient-based alternatives. Not only are these alternatives effective for cleaning, but they also reduce exposure to potentially harmful chemicals. This eco-friendly approach to dishwashing ensures a safer and healthier environment for you and the planet.

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        Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

        Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

        by | Dec 16, 2023 | Guest Column

        Unlocking Minds: Understanding the core of Alzheimer’s disease and dementia

        Alzheimer’s disease, a progressive neurodegenerative disorder, primarily affects memory and cognitive function. It is the most common cause of dementia, gradually impairing daily life. Research aims to understand its complex pathology and develop effective treatments for this widespread and challenging condition.

        Ayushi Thapliyal, Senior Research Fellow
        All India Institute of Medical Sciences, New Delhi

        All of us have heard about neurological disorders like dementia and Alzheimer’s disease (commonly abbreviated as AD). However, general population is typically quite ignorant about these conditions and they fail to understand if there is any major difference between dementia and AD. To put in simple words, dementia is a generic term used for decline in mental ability of a person to the extent that it interferes with day-to-day activities. Common symptoms may include deterioration of memory, language, reasoning, and beyond. Various health conditions that cause damage to brain cells, like AD, depression, cardiovascular diseases, and others can cause these symptoms.  Other causes may include excess consumption of alcohol, vitamin deficiencies, side effects of certain drugs, thyroid problems, etc. However, the most common cause of these symptoms is AD, diagnosed in 60-80% of dementia cases.  

        On the other hand, AD is a neurodegenerative disease characterized by complex changes in brain causing neuronal cell damage, which eventually leads to dementia. In addition to memory loss, people with AD experience difficulty finishing even basic chores. Changes in personality or mood swings are also common in these cases. Some people may become confused regarding names, locations, and events. Visual anomalies can also happen, such as trouble in understanding pictures. According to science, AD causes accumulation of aggregated proteins in the brain, such as phosphorylated tau and beta-amyloid and neuronal degeneration. Because all human functions—such as thinking, walking, and talking—depend on brain neurons, AD causes damage to the brain areas that govern these functions.  As a result, cognitive, language, and memory problems become the initial onset signs of AD. Such patients can undergo behavioral, personality or emotional changes. One particular behavior that warrants attention is wandering, and being unable to find their way back. With time, more areas of the brain are affected and even performing daily tasks like dressing and bathing require professional caregivers. Even while AD appears to be a simple example of neuronal degeneration, it is really more complicated due to its 20-year latent phase. It is a degenerative disease, which worsens over time and its progression varies from person to person. The progression of AD from the unnoticeable brain changes to eventual physical disability is termed as the Alzheimer’s disease continuum. It includes three primary phases- preclinical AD, mild cognitive impairment (MCI), and Alzheimer’s dementia. Alzheimer’s dementia is usually noticed after 65 years and this is referred as late onset AD, and like other chronic illnesses, it develops as a result of various factors including genetics, cardiovascular health, traumatic brain injury, smoking, physical activity, diet, etc. People who experience cognitive changes should speak with a doctor to determine whether these changes are normal for their age, reversible, or indicative of Alzheimer’s disease or another dementia. Dementia cases are typically disregarded because of ignorance, stigma, or fear, but a diagnosis can assist medical professionals and caregivers in establishing a prognosis that can enable Alzheimer’s patients lead reasonably normal lives. 

        According to the most recent estimates, the condition affects about 57.4 million individuals globally and poses a significant health burden. The Global Burden of Disease Study (GBDS) 2019 projects that by 2050, the number of dementia cases would soar to 166%, affecting the lives of around 152.8 million people; these projections are in line with the predictions made by the WHO. In addition, it is anticipated that the rise in dementia cases would be greatest (up to 330%) in nations with poor sociodemographic index scores, such as India.1 According to recent estimates, 8.8 million Indians over 60 have dementia, with varying burden in different states and subpopulations in India.2 The prevalence of dementia is greater in women (9.0%) than in males (5.8%). Additionally, if the frequency stays the same, there may be 16.9 million instances of dementia by 2036 due to the growing older Indian population.  

        The Alzheimer’s condition can be tricky to diagnose, and only a comprehensive medical assessment including blood tests, mental status evaluations, and brain imaging can help in diagnosing AD. Fortunately, these AD workups are easily assessable in India. Getting AD as the diagnosis will be definitely heartbreaking as currently no definite cure for it is known; nonetheless, certain medications are available for those suffering from mild to moderate Alzheimer’s condition. Alzheimer’s dementia symptoms, like depression and restlessness can also be treated and managed. These medications do not treat AD; but in certain cases, they shortly halt the disease’s progression of symptoms ensuring a relatively quality life for the patients. For more information about the available medication, individuals should get in touch with the professionals. According to new guidelines by the World Health Organization (WHO), people can also lower their risk of dementia by exercising regularly, abstaining from tobacco and alcohol that can be harmful, controlling their weight, eating a healthy diet, and maintaining healthy blood pressure, cholesterol, and blood sugar levels. 

        Not only for the patients, AD can also be very difficult and stressful for the family members/ caregivers at times. There are, however, ways to deal with such situations. Some helpful tips for the caregivers’ are-

        1. Establish simple normal routines of the AD individual. 
        2. Encourage self-reliance in the individual.
        3. Support them to keep their dignity.
        4. Try to avoid confrontation/ conflicts that might cause unnecessary stress to the patient.
        5. Try to maintain communication and a happy environment around them.
        6. Safety should be the priority.
        7. Promote health and fitness.
        8. Above all, remember to look after your physical and emotional health. Eat well, do regular exercise, and get enough sleep. 

        It is crucial to remember that some people have dementia-like symptoms but do not exhibit the progressive brain abnormalities associated with AD or other neurodegenerative diseases. Depression, untreated sleep apnea, delirium, medication side effects, Lyme disease, thyroid issues, specific vitamin deficiencies, and excessive alcohol consumption can also cause similar symptoms. Unlike AD, these problems can be treated to reverse them. Therefore, it is important to identify whether the root cause of the dementia is AD or any other condition. Extensive scientific research on Alzheimer’s disease is underway globally, with some advances seen in the presymptomatic years. In the meanwhile, public awareness has to be raised, since we can only prolong the lives of those afflicted with the disease by staying one step ahead of the disease. 

        1. Ray S, Kumar A, Kapil S, Sharma R, Gayathri J. Early Detection & Management of Alzheimer’s Disease & Dementia in India: A Policy Perspective. CSIR-NIScPR Policy Bulletin/February-2023/01. https://niscpr.res.in/includes/images/bulletin/bulletin-2023-03-15.pdf

        2. Lee J, Meijer E, Langa KM, et al. Prevalence of dementia in India: National and state estimates from a nationwide study. Alzheimer’s Dement. 2023;19:2898–2912. https://doi.org/10.1002/alz.12928

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        World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

        World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

        by | Dec 16, 2023 | Guest Column

        World Diabetes Day 14 th Nov, 2023 – Access to Diabetes Care

        Authors: – Dr. Pankaj Bhardwaj (Dr Pankaj Bhardwaj, 

        Academic Head, School of Public Health (SPH),

        Professor of Community Medicine & Family Medicine

        All India Institute of Medical Sciences (AIIMS), Jodhpur

        and

        Dr. Madhukar Mittal (Additional Professor and Head, Department of Endocrinology and Metabolism, All India Institute of Medical Sciences (AIIMS), Jodhpur

        Currently India is struggling with the triple burden of diseases. Beside the burden of malnutrition and communicable diseases, the burden of NCDs is increasing exponentially. Amongst NCDs, the increasing prevalence of diabetes and hypertension is thought to be both an important driver and consequence of the epidemiological transition. The weak control cascade of hypertension and diabetes from the time of screening till the attainment of optimal control of the condition is a public health challenge, particularly in resource limited settings. 

        India being the diabetes capital of the world requires that affordable access to diabetes care be made available in all parts of the country. The onset of type 2 diabetes in developing countries including India is commonly occurring much earlier in the 3rd-4th decade of life. With increased longevity and persistence of NCDs like diabetes into the twilight years, the burden of diabetes is bound to increase. 

        The Tree: Trunk and Branches Model

        Consider the two conditions of diabetes and hypertension as the trunk of a tree. Heart, kidney, eyes, Brain, Feet are like the branches of this tree. If the tree is nourished properly and the trunk remains healthy, then the multiple branches also remain healthy. On the contrary, if diabetes and hypertension are detected late and are uncontrolled, then various complications including heart disease, stroke, chronic kidney disease, eye disease-blindness, foot ulcers, lower limb amputations are likely to occur. Diabetes is the single most common cause for chronic kidney disease, coronary artery disease, blindness (nontraumatic), foot ulcer and lower limb amputations (after road traffic accidents). Hypertension with diabetes is the single most common cause for brain stroke.

        Nudge to Policymakers

        Government spending on healthcare is limited. In India, although the healthcare budget spending has increased over the years, there is still a vast gap between the actual needs of the population and the government expenditure. India has improved its indices with regards to infectious diseases. Currently, for any government to get the “maximum bang for the buck spent”, fiscal prudence demands focus on targeted spending on prevention of lifestyle disorders or NCDs, especially diabetes and hypertension. This would help in reducing/negating expenditure (both government and individual) to a significant degree on multiple other medical conditions like heart disease, kidney disease, eye blindness, brain stroke, lower limb foot ulcers and amputations. 

        Currently Government of India as well as state governments are digitalizing population based screening records of community in different NCDs including Diabetes. The Accredited Social Health Activists (ASHAs) are filling Community Based Assessment Checklist (CBAC) forms for early detection of NCDs. Apart from screening many barriers to optimal hypertension and diabetes care can be overcome through IT- based quality improvement strategies, which includes electronic case record form (eCRF) which allows nurses to enter patient demographic information, medical history, physical examinations, and laboratory investigations into an electronic form through a web-based “NCD portal”.  Clinical decision support system (CDSS) which generates customized evidence-based treatment advisories for patients with hypertension and diabetes also supplements the routine care. So, we can help harness the power of technology to effectively tackle the rising burden of diabetes and hypertension in India. 

        Using this approach, we can achieve the goal of this year’s theme of providing accessible diabetes care to all.

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