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Latest Questions

Patrick Dsouza  |828 Answers  |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Oct 15, 2024

Question by Raju - Oct 15, 2024Hindi

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I am an IT professional and graduate with B.Sc Computer Science in the year 2006. Further being working i did 2 years online PGDITM (Post Graduate Diploma in Information Technology Management) from the Symbiosis college of Distance Learning which is an AICTE approved. Now i am concern about my Post Graduate Degree as most of the positions are now being prefered having post graduate degree either M.Tech or MCA to get qualify for the minimum criteria. So my query is after working of 15 years if i am going for online MCA degree will be benefical for me or not ...

Ans: Can do online MCA degree without leaving your job. Another option would be to do PGPMax course from ISB which is for professionals having 15+ years of work ex. It could help you to get into management cadre.

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Dr Dipankar Dutta  |660 Answers  |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

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My son is in 12th standard. He wants to study physics and pursue a career in academics/research. What are options after 12th. How should he prepare.

Ans: It's great that your son is interested in pursuing a career in physics research and academics! He can do
B.Sc. in Physics, Integrated M.Sc. in Physics, Dual Degree Programs, B.Tech. in Engineering Physics or Applied Physics.
Top Institutes for Physics in India:

Indian Institutes of Science Education and Research (IISERs)
Indian Institute of Science (IISc), Bangalore
IITs (particularly IIT Kanpur, IIT Bombay, and IIT Madras offer strong physics programs)
University of Delhi
St. Stephen's College, Delhi
Banaras Hindu University (BHU)
Presidency University, Kolkata
These universities/institutions took admission through different exams. Your son should prepare for those exams

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Milind Vadjikar  |426 Answers  |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 13, 2024Hindi

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I am 35 and planning to get financial free by 45 while no plan to withdraw after 45 but could be a chance to swp of 5% from 50 age. No loan is running currently. Owning 2 plots which might be worth of 90L lakhs now. I have rsu's which would be around 50L vested. My monthly salary is nearly 2.4L and my expenses are arround 60k to 70k per month. Please suggest bucket for long term. My plan to invest in nifty50 -20%, next fifty -20%, government bond /gold - 20%, medium cap - 25%, small cap - 15% for long term.. ready to invest 1L per month sip from now. Please suggest

Ans: Hello;

You may allocate your monthly sip
(1 L) in the following manner:

Flexicap type mutual fund: 30%
PPFAS flexicap
Large cap mutual fund: 20%
Canara Robeco Bluechip
Midcap mutual fund: 20%
Nippon India Growth
Small cap fund: 10%
SBI small cap
Multi asset allocation fund: 20%
ICICI Pru MAF

For retirement purpose corpus should never be in pure equity fund.

You may utilise hybrid funds such as equity savings type mutual fund or conservative hybrid debt type mutual fund for SWP.

Also do not let the SWP rate above 3% as this serves as safety during market drawdowns as to not eat into your corpus and deplete it significantly.

Land and RSUs may be your booster to fight inflation in retirement.

Stay sufficiently insured for life and health.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Anu Krishna  |1203 Answers  |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Question by Ruta - Oct 08, 2024Hindi

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Hello Madam, i am 38 year married women, having a 15year 1 kid boy ( but my husband not loving me even he is not talking with me from the last 8 years but we r leaving together due to our son, he fulfilled the need with the responsibilities of our home and our son but as wife he is not talking and even not caring to me ,but before 2 years back one married man come to talk with me he is my official colleague and we both attached a lot with each other after some days he proposed me and said that he is loving me many years ago but he thought that i am very Strick person will not response him, but now he is saying that he wants me as a life partner me also every time he treat me like a wife very much caring and loving nature now i introduce him to my family as a friend and family members also very happy with taking to him, we are from 2 year together is it good or what should i do further?

Ans: Dear Ruta,
You want to get into a relationship with a married man? Will that not complicate your already complicated life?
You certainly deserve to be loved and taken care of BUT do not jump towards a married man...you do understand that his priorities will lie with his first family and this will hurt you again and you will feel neglected AGAIN...

What is he planning with his marriage? Does his wife know about your relationship? Is he going to end his marriage and then marry you? These questions need answers and then you can decide for yourself keeping in mind that you need to take of yourself emotionally in this second association.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Milind Vadjikar  |426 Answers  |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

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Pls guide me so as to withdraw PF amount from EPF scheme, subject to aforementioned conditions a. Set period of employment is >3 years. b. I had employment with 2 companies, one I transferred and the next I withdrew. Main, problem is withdraw amount is > x lacs and unable to file for withdrawal- 2 times rejected. Pls help me.

Ans: Request you to kindly rephrase your query.

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Milind Vadjikar  |426 Answers  |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 14, 2024Hindi

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Hi sir. I left my company 3 years ago, even when my resignation was not accepted, and the PF accumulated is in the trust of that organization. How do I withdraw or transfer the PF amount?

Ans: Hello;

You may approach the HR department of your previous employer and discuss possible way out of the situation.

Regret if your exit was abrupt and improper.

Their is no harm in apologising for any wrong action especially if it can help build bridges and resolve open issues amicably.

All the best;

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Milind Vadjikar  |426 Answers  |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

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Hi Sir, I'm 44 years old with a monthly expense of 60k. I have 14 year old boy studying in 9th std. I have a corpus of 1.5 cr and a passive income of 30k per month which I expect to continue for next 10 years. Please let me know how much corpus is required for retirement if I want to retire now and for son's education. I have my own house and no loans as of now and have a decent health insurance. Expecting your valuable response. Thank you

Ans: Hello;

You may invest 50 L into an Arbitrage type mutual fund (low risk) earmarked for your son's higher education.

For 1 Cr you may buy an immediate annuity from a life insurance company. Considering annuity rate of 6% you may expect to receive monthly payout of around 50 K.

So your total monthly income will be 50 K from annuity + 30 K passive income= 80 K pm.

After accounting for your monthly expenses of 60 K you have a surplus of 20 K which you may use to initiate a monthly sip into a pure equity mutual fund.

After 10 years this sip may grow into a corpus of around 50 L to top-up your retirement corpus.

Happy Investing;

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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Anu Krishna  |1203 Answers  |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Question by krishnasamy - Oct 08, 2024

Dear Anu, my wife was hopitalised about 15 days due to thyroid and knee pain during covid. 2021. after that six months once consult with doctor and advised to take tablets. now she is o.k. her age 65. my age 70. prior to hospitalisation we both have well relationship and she likes to have sex. but after dischared from hospital she won't like to share me in bed. Now a days she moves here and there and also gone shop for purchase. but she never allowes me to touch her lips and her private parts. In these situations how can I control my feelings ?. Please give your valued sugguestions

Ans: Dear Krishnasamy,
It's possible that certain medications might have been responsible for decrease in her sex drive which only a doctor can clarify OR she clearly has a decreased interest in sex in which case, do respect it, Sir. And there are other forms of intimacy and closeness to explore that can keep your connection alive...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Vivek Lala  |288 Answers  |Ask -Follow

Tax, MF Expert - Answered on Oct 15, 2024

Question by nikhin - Oct 12, 2024Hindi

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I have purchased a residential flat in december 2021 amounting to 80 lacs rupees and had been paying the builder in installments in dec 2021, dec 2022, dec 2023 and next installent on possession and registration of sale deed in dec 2024 each of rs 20 lacs. I have sold my shares which has crossed 12 months equivalent to 80 rupees in september 2024. Can i claim section 54f for full amount?

Ans: Yes if you follow all the rules for claiming the benefit

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Milind Vadjikar  |426 Answers  |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Question by Srinivasan - Oct 15, 2024Hindi

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Dear Sir, My Age is 59 and investment is as follows: Stock market 1.2 Cr MFI 2.0 Cr Expectied pension from 2026 1,4L per month House : own house Loan liability is zero Responsibility: Marriage of two sons who finished PG My question is " above fund sufficient to take over for me and my wife for next 30 year (assuming life expectancy is 90 Years) Regards Srinivasan

Ans: Hello;

You may invest 20 L in Arbitrage type of mutual fund(low risk) earmarked for marriage of your sons.

Also you may invest 3 Cr into equity savings type mutual fund (moderate risk).

After 3 years it may grow into a sum of 3.89 Cr considering modest return of 9%.

I suggest that you redeem this corpus by paying LTCG(~11 L) and buy an immediate annuity for balance corpus of 3.78 Cr from a life insurance company.

I am not recommending you to do an SWP because for your required monthly income SWP rate will have to be 4.5%+ annually and I ran this on an swp calculator which shows depleted corpus of less then 1 Cr after 30 years.

Considering annuity rate of 6% you may expect to receive monthly payment of 1.89 L(pre-tax).

Seek joint annuity for yourself and your spouse with return of purchase price to your nominees.

Some life insurers offer increasing annuity at fixed intervals to account for inflation.

Also if you shop around and negotiate you may get a better annuity rate.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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