Plan your Retirement with Diversified Mutual Funds

Retirement Planning is a long term process whereby you should have a roadmap which will help you to meet all your life’s expenses post retirement. Investment in mutual funds is a preferred investment option for long term investing. Why? Because mutual funds invest your money in stock markets which has the potential to give you good returns in long term. In short term, markets have always been volatile which you may have observed many times. There are many ways you can invest in stock markets however investing in stock markets through mutual funds is one of the most preferred options. Why? 1. Mutual funds are managed by professional fund managers who track markets on a daily basis. 2. Mutual fund business is regulated by SEBI. 3. There are more than 1000 mutual funds available in the markets which are capable of meeting all your short and long term financial needs. You can take the help of your financial advisor and invest in the best suitable fund.

Plan your retirement with diversified Mutual Funds

Equity, debt and gold mutual funds are 3 major asset classes where you should invest for your retirement. You can invest in all 3 funds and keep changing your portfolio as per age, income and risk taking capacity. You can take high risk at a young age and investment in equity is the best option, however don’t invest only in equity funds and lock your money in one asset class.

Type of Mutual Fund: Equity Fund

Advantage: Potential to gain high returns

Disadvantage: Risk is higher for losing capital

Types of Mutual Fund: Debt/Liquid Funds

Advantage: Low risk of losing capital

Disadvantage: Low /average return

Type of Mutual Fund: Gold Fund

Advantage: Diversification, balanced portfolio

Disadvantage: Highest volatility to global risk

This is for illustrative purposes.

You should remain invested in debt and gold mutual funds as well which offer you diversification and make your portfolio balanced. The exposure to equity funds should go down as one gets older the risk taking capacity goes down with age.

The above investment allocation is not to be considered as an Investment advised / recommendation. Please seek independent professional advice based on your financial needs and your financial situation and arrive at an informed investment decision before making any investments in any mutual fund or when making a decision on investment diversification or asset allocation.

It’s not mandatory but advisable that you should remain invested in gold at all stages of life. Keep 10 % investment in gold during all stages of life as its offer diversification. To conclude, plan your retirement as early as possible and let your money grow over a span of 15-20 years. Don’t invest only in one type of mutual funds like equity. You should plan your retirement planning with all 3 asset classes which offer different set of advantages; diversification which is a must needed factor in long term investment like retirement planning.

To conclude, you should keep 3 major points in consideration while doing retirement planning 1. Start at young age 2. Invest in all 3 types of mutual funds, equity, gold and debt 3. Keep changing investment proration in these 3 funds with the help of financial advisor

Lysosomal targeted chimeras degrade extracellular proteins

When scientists discover potentially dangerous proteins on cells, they may imagine shrinking themselves as small surgeons, removing only problematic protein molecules and leaving the healthy cells. In a new study, researchers from Stanford University point out that although dexterous hands and sharp devices can never remove a single protein from the cell surface, a new molecular tool can make cell surgery easier. The relevant findings were published online July 29, 2020 in the journal Nature under the title “Lysosome-targeting chimaeras for degradation of extracellular proteins”.

These authors developed a new class of molecules that can shuttle unwanted proteins from the cell surface or surrounding environment into lysosomes, which are cellular compartments specialized for protein degradation. These molecules are called lysosome targeting chimera (LYTAC), and their working mechanism is to selectively label proteins with tags, which determine the fate of proteins and allow them to be degraded as cellular waste. This selective degradation can help scientists study and treat diseases such as cancer and Alzheimer’s disease. The causes of which are related to surface proteins.

Steven Banik, lead author of the paper and a postdoctoral researcher in the laboratory of Professor Carolyn Bertozzi at Stanford University School of Humanities, said, “This is like a molecular scalpel. This tool allows you to accelerate the natural degradation of a protein from all proteins on or outside the cell.”

Proteins are essential for many biological processes, such as metabolism and cell-cell communication, but some proteins can also help diseases such as cancer spread and evade immune regulation. When a protein functions, other cellular components can dock to its active site. The traditional approach to hinder these bad proteins involves the use of drugs that block the active site of the protein, which is usually achieved by moving the atom. But this blocking strategy is not perfect, sometimes the binding pocket is too shallow and the inhibitor is ejected too quickly. At other times, the activity of a protein comes from its physical properties, such as its rigidity, rather than from any active site, so blocking a small part of the entire protein is not enough. In these cases, expulsion of the protein from the cell is the only option.

Since the development of proteolysis targeting chimera (PROTAC) 20 years ago, protein degradation has been particularly popular as a therapeutic strategy. PROTAC has been successful in research laboratories and early clinical studies in finding and labeling intracellular proteins for subsequent degradation, but they rely on a degradation pathway that is inaccessible to approximately 40% of proteins located on or outside the cell membrane. Bertozzi and Banik do not accept that certain proteins, as well as diseases, are out of reach.

Bertozzi said, “My laboratory has been interested in what happens on the cell surface, which includes proteins that are important for immune regulation. We have identified many cell surface proteins and secreted proteins that we believe play a pathogenic role in cancer, and LYTAC can help us better understand them and explore them as drug targets.”

The key to making this tool work lies in its dual-function design. One side of the LYTAC molecule can be customized to bind to any protein of interest. On the other side is a short amino acid sequence, or peptide, embedded with a sugar called mannose-6-phosphate.

This sugar serves as a bookkeeping label for the cell. When cells contain proteins that are sent to lysosomes for degradation, it adds this sugar to ensure that they reach their destination. “Mannose-6-phosphate acts like a zip code,” says Banik. “This sugar tells the cell, ‘I’ll bring this protein to lysosomes. Please send me there.’ There are receptors on the cell surface that interact with this sugar, and when they grasp the LYTAC molecule and pull it into the cell, the labeled protein is also dragged in with it.”

In attaching this tag to the protein, LYTAC hijacks a natural cell shuttling mechanism designed to escort newly synthesized lysosomal proteins to their new home. However, lysosomal proteins are tough enough to survive in the presence of degradative enzymes encountered in lysosomes, while most proteins do not, so those labeled by the LYTAC method are usually destroyed.

These researchers confirmed that in cells, they can target and degrade proteins that play an important role in Alzheimer’s disease and cancer. According to them, the protein tethering ends of LYTAC can be anything that binds to proteins, such as antibodies or existing drugs, so in the future, many other proteins and diseases can be attacked.

“With protein degradation strategies, you can not only expand the number of druggable target cells, but also improve existing therapies,” Bertozzi said. Each cell has lysosomes. Each cell already has a way to degrade proteins. Whatever your target is, if you can get LYTAC there, you can degrade it.”

Herbal Formula To Maintain Iron Level In Body And Beat Anemia Problem

Many women in the world are suffering from iron deficiency. Iron is vital to produce hemoglobin, which is needed to help red blood cells in delivering oxygen to all the organs in your body. Iron deficiency can lead to anemia. Its symptoms include pale skin, weakness, fast heartbeat, brittle nails, cold hands, headache, chest pain, extreme fatigue, an uncomfortable tingling, poor appetite, frequent infections, dizziness and shortness of breath. Causes for iron deficiency anemia are pregnancy, blood loss, inability to absorb iron and lack of iron in diet. Many men and children also suffer from iron deficiency. How to beat anemia is through the intake of herbal pills like Feroplex capsules and by consuming a balanced diet.

How to beat anemia is by including spinach, oysters, mussels, chicken liver, cooked turkey, canned sardines, veal, breakfast cereals, cooked beans, tofu, squash seeds, baked potato, dried apricots, split peas, red kidney beans, wheat germ, egg noodles, roasted cashews, green pepper, rice, etc., in your daily diet. Spinach is packed with iron, calcium, fiber etc. You need to consume cooked spinach to increase iron absorption by your body. Potatoes are the best foods to increase iron level in your body. These also consist of minerals and vitamins.

Feroplex capsules are developed using an advanced herbal formula to maintain iron level that safeguards you from weakness and promotes regeneration of cells. These capsules are recommended to people, who are suffering from fatigue, anemia and iron deficiency.

Regular intake of Feroplex capsules, which are developed using a proven herbal formula to maintain iron level, help women to receive the sufficient amount of iron and stay energized and healthy. These also improve health of your skin.

The key ingredients of these pills are Mandur Bhasma, Lauh Bhasma, Mishri and Kasis Bhasma. How to beat anemia is by consuming one or two Feroplex capsules, which are produced using a proven herbal formula to maintain iron level, daily two times with plain water. You need to consume this herbal pill daily for three to four months regularly to cure low energy problems and anemia.

Lauh bhasma offers effective cure for skin disease, eye disorder, anemia, urinary tract infection and tuberculosis. Mandur Bhasma offers effective cure for amenorrhoea, dysmenorrhea, menorrhagia, splenic disorders, chlorosis and hepatic. In addition, it offers treatment for chronic bowel complaints, intestinal worms, diarrhea, kidney diseases, dyspepsia, albuminuria, and nervous diseases. Feroflex capsules can be used by children, men, and women to cure iron deficiency naturally.

You can purchase Feroplex capsules, which are produced using an advanced herbal formula to maintain iron level, from reliable online stores using a credit or debit card. Order for these herbal pills can be placed in the denomination of 2, 4, 6 and 8 packs. Each pack consists of 50 capsules.

Feroplex capsules are free from chemicals and additives. You can use these herbal pills without any fear of side effects. Regular intake of these herbal pills keeps your body strong and healthy. These also improve functioning of your brain. Therefore, how to beat anemia is through consuming balanced diet and taking these herbal pills regularly.