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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Mayank

Mayank Chandel  |2327 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Feb 27, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Asked by Anonymous - Feb 06, 2024English
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नमस्ते मेरा बेटा इस साल 10वीं बोर्ड में शामिल होगा। वह अभी भी ग्यारहवीं कक्षा में कौन सी स्ट्रीम चुनें इसे लेकर असमंजस में है। वह रसायन शास्त्र, जैव, नागरिक शास्त्र, भौतिकी में अच्छा है। वह किताबी कीड़ा जैसा नहीं है। उसे लोगों की मदद करना, नेतृत्व करना, प्रेरित करना पसंद है। बहुत रचनात्मक

Ans: नमस्ते,
वह सामान्य स्नातक और फिर एमबीए कर सकता है या यदि वह देश की सेवा करना चाहता है तो सिविल सेवा परीक्षा दे सकता है।
Career

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Mayank

Mayank Kumar  |193 Answers  |Ask -

Education Expert - Answered on Apr 14, 2023

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नमस्ते सर, मेरा बेटा 10वीं कक्षा में है और पढ़ाई में अच्छा है। सभी कक्षाओं में सभी विषयों में उनका ट्रैक रिकॉर्ड 90+ रहा है। अब 10वीं के बाद उसे एक विशेष स्ट्रीम चुननी होगी जिसे लेकर वह असमंजस में है क्योंकि उसके पास चुनने के लिए करियर का कोई नजरिया नहीं है। एक अभिभावक के रूप में मैं किसी भी विषय में उसकी रुचि तय नहीं कर पा रहा हूं क्योंकि वह सभी विषयों में अच्छे अंक प्राप्त करता है। वह अंतर्मुखी है और उसमें संचार कौशल का अभाव है। मेरे पति एक चार्टर्ड अकाउंटेंट हैं और चाहते हैं कि वह कॉमर्स स्ट्रीम लें, लेकिन मेरे बेटे को यह पेशा पसंद नहीं है। मेरे बेटे के पास दिमाग है और मुझे डर है कि गलत चुनाव उसके करियर को बर्बाद कर सकता है। कृपया परामर्श दें
Ans: नमस्ते! अपने बेटे से बात करें और समझें कि उसकी रुचि कहां बढ़ रही है। यदि वह किसी चीज का शौकीन नहीं है, तो मैं कहूंगा कि आप उसे उस क्षेत्र के कुछ लोगों से बात करने के लिए प्रेरित कर सकते हैं, ताकि वे उसका दृष्टिकोण बदल सकें, लेकिन उसे उस दिशा में ले जाएं जहां उसकी रुचियां न हों।' इससे उसे लंबे समय तक फायदा होगा। अंत में, उसकी ताकत और कमजोरियों के बारे में उससे ईमानदारी से बातचीत करें और उसके अनुसार उस रुचि वाले क्षेत्र पर ध्यान केंद्रित करें जो उसके लिए संभावित करियर विकल्प हो सकता है।

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Praseeja

Praseeja Nambiar  | Answer  |Ask -

Career Counselling Expert - Answered on May 05, 2023

Chocko

Chocko Valliappa  |494 Answers  |Ask -

Tech Entrepreneur, Educationist - Answered on Feb 26, 2024

Nayagam P

Nayagam P P  |4862 Answers  |Ask -

Career Counsellor - Answered on Oct 01, 2024

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सर, मेरा बेटा आईसीएसई बोर्ड की 10वीं कक्षा में है। वह पीसीएमबी में 50% अंक प्राप्त कर रहा है, जबकि वह भाषाओं (अंग्रेजी और मराठी) में 90% अंक प्राप्त कर रहा है। क्या मुझे उसके भविष्य के लिए आर्ट्स स्ट्रीम पर विचार करना चाहिए। अगर हम आर्ट्स स्ट्रीम चुनते हैं तो उसके लिए करियर के क्या विकल्प हैं? उसने पीई (अपना वैकल्पिक विषय) में भी 90% अंक प्राप्त किए हैं। खेल के क्षेत्र में कौन से पाठ्यक्रम और करियर हैं?
Ans: स्मित सर, बेहतर होगा कि वे अपनी 11वीं और 12वीं के लिए आर्ट्स स्ट्रीम पर विचार करें और फिर राज्य या केंद्रीय या राज्य विश्वविद्यालयों में से किसी एक में प्रवेश पाने के लिए CUET में शामिल हों। अंग्रेजी या मनोविज्ञान या कोई अन्य गैर-STEM UG प्रोग्राम कर सकते हैं, कृपया अधिक विकल्पों के लिए CUET के माध्यम से UG प्रोग्राम में प्रवेश प्रदान करने वाली केंद्रीय / राज्य विश्वविद्यालयों की वेबसाइट देखें। आपके समृद्ध भविष्य के लिए शुभकामनाएँ।

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Kanchan

Kanchan Rai  |595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2025

Asked by Anonymous - Apr 05, 2025
Relationship
I'm getting married.and this is a arrange marriage starting mai thik lagrha and mene bola tha November Tak rukte hai kyu ki wo February m aaye the so time mil jata samjhne ke liye but uske family wale april m hi done kar diye or meri family bhi ab mujhe khi khi uska behaviour acha nahi lgrha . Wo hmesa sex ki topic pe bat krta jo mujhe uncomfortable lgta hai wo mujhe love jesa feeling feel nahi krata bus sensational intimate physical sex ki hi bat krta hai or ab mai kuch ni kar sakti na ye kisi ko bta sakti . Please btaye mai kya karu
Ans: Agar aapka fiancé baar-baar sex aur physical cheezon ki hi baat karta hai, bina aapke emotions ya bond ko samjhe, toh yeh red flag hai. Aap uncomfortable feel kar rahi hain, aur yeh cheez ignore nahi ki ja sakti.

Shaadi sirf physical connection nahi hoti — woh ek emotional, mental aur spiritual partnership bhi hoti hai. Agar abhi, engagement ke dauraan hi aapko yeh lag raha hai ki uska vyavhaar superficial hai, aur wo sirf physical cheezon mein interested hai, toh ye sochne ki zarurat hai ki aage jaake aap aur zyada emotionally alone feel karengi.

Aapne pehle November tak rukne ki baat ki thi, aur usme kuch galat nahi tha — aap sirf samajhna chahti thi ki kya yeh insaan aapke liye theek hai ya nahi. Aapki family ne jaldi decide kar liya, lekin abhi bhi aapke paas choice hai. Shaadi ke baad agar aap khush nahi hoti hain, toh us dard aur regret ka bojh aapko hi uthana hoga — na ki un logon ko jo aap par pressure daal rahe hain.

Aap chahein toh kisi trusted friend ya family member se baat karein jinke saamne aap khul ke apne doubts rakh sakti hain. Agar kisi se baat karna mushkil hai, toh aap kisi therapist ya counselor se confidentially baat karke apne emotions ko clear kar sakti hain.

Sabse zaruri baat yeh hai: aapko koi aisi shaadi nahi karni chahiye jismein aap respected, secure aur emotionally valued feel na karein. Agar abhi se aapko lag raha hai ki yeh rishta sirf ek taraf se hi chala jaa raha hai, toh yeh time hai sochne ka — kyunki baad mein sab kuch aur complicated ho sakta hai.

Aapka sukoon aur self-respect kisi bhi rishton se upar hai. Shaadi tabhi honi chahiye jab aap dil se “haan” keh sakein — sirf logon ke kehne se nahi.

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Ramalingam

Ramalingam Kalirajan  |8500 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2025

Asked by Anonymous - May 23, 2025
Money
Hi am having an corpus as below : saving account - INR 12lacs , MF : INR 3.34 Crores, NPS : INR 7.79 lacs ,Sukanya samridhi : INR 16 lacs ,Cash : INR 16 lacs , Gold : INR 15 lacs , Own house : 2 crores ,other asset INR 22 lacs , I am laid off though looking for a job and not wanting to retire but how good is my position considering am 45 years old with a daughter in class 8 thanks
Ans: Let's take a full-circle view of your financial situation at age 45, especially given the current job transition.

You have built a strong and diversified portfolio. That itself speaks of your discipline and clarity. You are not planning to retire now, and that’s a good approach. With a structured plan, you can stay financially independent and well-prepared for your daughter’s future as well.

Let’s assess each area of your portfolio and life stage now:

Liquid Assets and Emergency Reserve
You have Rs. 12 lakhs in a savings account.

You also hold Rs. 16 lakhs in cash.

Combined liquidity is Rs. 28 lakhs, which is quite healthy.

This is sufficient for at least 18–24 months of expenses, if monthly needs are around Rs. 1–1.5 lakhs.

Keep Rs. 10–12 lakhs in a savings account or sweep-in FD.

The rest can be moved to liquid or ultra-short-duration funds.

This will improve returns without sacrificing liquidity.

Avoid touching mutual fund corpus for basic expenses unless unavoidable.

Mutual Funds Corpus
Your mutual fund holdings of Rs. 3.34 crores form the core of your wealth.

Actively managed funds offer flexibility and scope for alpha.

Avoid direct plans unless you are a full-time expert.

Regular plans via a Mutual Fund Distributor with Certified Financial Planner support help in better monitoring.

This partnership adds value through rebalancing, reviews, and goal tracking.

Ensure the corpus is spread across equity, hybrid, and debt funds based on risk and time horizon.

Have goal-based buckets — education, retirement, future lifestyle.

If not already done, divide the portfolio with clear timelines — 5, 10, 15+ years.

This reduces panic during market falls.

Use STP to move funds from equity to hybrid or debt near the goal year.

Daughter’s Education Planning
She is in class 8. You have around 4–5 years before higher education.

You already have Rs. 16 lakhs in Sukanya Samriddhi Yojana.

That’s a good tax-free and guaranteed base.

For higher education abroad, you may need Rs. 50–80 lakhs or more.

Allocate a part of your mutual fund corpus specifically for this.

Prefer short-term aggressive hybrid funds now, gradually shifting to safer options.

By class 11, shift most of this corpus to arbitrage or short-term debt.

Do not depend on NPS or retirement corpus for education.

Consider an education loan if studying abroad, for tax and cash flow balance.

Retirement Planning
NPS corpus is Rs. 7.79 lakhs. This is small at the moment.

NPS can supplement retirement income but should not be your only pillar.

Your mutual funds should form the main base for retirement.

Continue contributing to NPS once employed again. It offers good tax benefits under Sec 80CCD(1B).

Ideally, aim for Rs. 5–6 crores in retirement corpus over the next 12–15 years.

That can comfortably generate Rs. 2–2.5 lakhs per month in today’s value.

Ensure your equity exposure is maintained for long-term compounding.

Slowly rebalance towards debt or hybrid after age 55.

Use SWP (Systematic Withdrawal Plan) post-retirement for monthly income.

Avoid annuities — they lock up capital and returns are low.

Gold Holdings
Gold holdings are at Rs. 15 lakhs.

This is roughly 2.5% of your total net worth.

This is within the acceptable range of 5–10% for portfolio hedging.

No changes needed unless you plan to fund your daughter’s wedding through this.

Avoid additional gold investments unless they have specific use.

Don’t see gold as a growth instrument.

Real Estate – Own House
You have your own home worth Rs. 2 crores.

This is your consumption asset, not an investment.

Avoid buying more property for investment purposes.

Real estate lacks liquidity, has high entry/exit costs, and poor transparency.

Continue to maintain it as your residence.

Other Assets – Rs. 22 Lakhs
Understand the nature of these assets — FDs, bonds, insurance savings plans?

If they are traditional insurance plans or ULIPs, review them carefully.

Low-yield products should be exited if possible.

Redeploy these funds to mutual funds for better growth.

Keep clarity on purpose and expected return for each holding.

Current Situation – Career Transition
You’ve been laid off, but you're actively seeking a new role.

Be confident — you have the time cushion and resources.

Use this phase to upskill or switch industries if needed.

Maintain Rs. 10–12 lakhs for personal expenses for the next year.

Do not liquidate long-term assets unless absolutely essential.

Reassess your health insurance — ensure independent family cover is in place.

Also check your term life insurance status — adequate cover is a must.

Insurance Check
Life cover should be 12–15 times your current annual expense.

If your cover is below Rs. 1.5–2 crores, increase it through a pure term plan.

Ensure a Rs. 20 lakh or more family floater health insurance is in place.

Include critical illness cover separately if possible.

Avoid any new investment-cum-insurance policies.

Cash Management Plan
Split Rs. 28 lakhs liquidity as follows:

Rs. 10–12 lakhs in savings or FD for instant needs.

Rs. 8–10 lakhs in liquid funds for 6–12 month cash flow buffer.

Rs. 6–8 lakhs can be gradually invested through STP into hybrid or balanced advantage funds.

Reinvest idle cash to beat inflation.

Avoid letting money sit in savings account long term.

Monthly Budgeting
If you're not already tracking expenses, start now.

Classify essentials, discretionary, and child-related expenses.

Keep monthly budget below Rs. 1.2 lakhs till new job stabilises.

Use SIPs to stay disciplined in investing, even if reduced for now.

Avoid big-ticket purchases until income resumes.

Tax Efficiency
Use mutual fund holding periods smartly.

Avoid booking equity gains before one year — 20% STCG is steep.

For LTCG above Rs. 1.25 lakh, the new 12.5% tax applies.

Time redemptions to remain tax-efficient.

Use SWP route post-retirement to reduce tax drag.

File ITR properly even if income is nil this year, to claim carry-forward losses.

Final Insights
You are financially well-prepared, even without current income.

Focus on clarity and control, not chasing returns now.

Avoid panic — your long-term corpus is intact.

Get back to earning soon. It will add more stability and confidence.

Do not make drastic changes to your investment style right now.

Keep emotions separate from financial decisions.

Track goals, allocate smartly, and revisit quarterly.

Engage with a Certified Financial Planner to fine-tune your strategy annually.

Stay focused. Your daughter’s future and your retirement can both be fully secure.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Kanchan

Kanchan Rai  |595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2025

Asked by Anonymous - May 16, 2025
Relationship
Ma'am The guy who had a fight with my husband over a text asking him why he stare became a matter of dispute between my husband and that married neighbourhood guy. He thinks m the one flirting with him Over msgs. He still crosses and pass very closely with my husband while going for an evening walk. He is not troubling me and my daughter anymore. He is just busy with my husband now. He would always walk across us. I don't know what else he wants . Do u think my husband should talk with him or wr just have to ignore him. ???
Ans: whether your husband should confront him or ignore him, it depends on what the goal is. If your husband is calm and emotionally steady enough to have a neutral, non-confrontational conversation just to clear the air and draw a respectful boundary, that can be effective. But if there’s any chance the talk would escalate into another argument, it’s better not to feed into the tension. A calm discussion works only when both sides are open to resolution. Otherwise, it can do more harm than good.

Ignoring him, on the other hand, might feel unsatisfying in the short term but often proves to be the most mature and self-protective path in the long run. Some people thrive on reaction. When they don’t get one, they eventually stop trying.

The deeper work here is about your family’s emotional boundaries. Keep your focus on your husband, your daughter, and your home’s peace. Don’t let someone else’s unresolved emotions hijack your daily life. If this man isn't actively threatening or interfering anymore, let silence and indifference be your strength. Let your husband know that you trust his judgment but also encourage him to respond from a place of calm—not pride or anger.

Sometimes, the most powerful message you can send to people like this is that they no longer hold any space in your mind, heart, or life. Peace is more powerful than confrontation.

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Kanchan

Kanchan Rai  |595 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 23, 2025

Asked by Anonymous - May 08, 2025
Relationship
My age was only 23 when my mother left this world. Me & my father were alone after my mother. My father was asking me for marriage, so that a girl can come in our home & manage household chores, but I wanted to focus on my career for at least 6 more years. That's why I denied. We somehow managed for 1 year after my mother left us, but after that my father couldn't wait more & started pressuring me to marriage. I was still not ready. So, my father found a girl for himself. Co-incidence was that the girl was just 1 year elder than me. My father's master plan was that he will make us pretend that it's my wife in front of the world because of his reputation. I liked the idea & the girl was also ready. Don't know how that girl was convinced to marry my father. She is from decent family. Even her parents don't know that my father is her real husband. So, my father made me married to her in front of all. We managed everything excellently from all the rituals to our relatives. We acted well. In front of the world & in papers, she was my wife, but biologically she became my step mother. They got 2 children in 6 to 8 years, but I got stuck without marriage because according to everyone I am married. Now, I am 39 now & my father also left this world last year. I am unmarried & she (step mother) is a widow. Me & her both are feeling alone in this world without a partner. My step mother suggested if she can become my real wife. We both like each other's company but I don't know if there will be any consequences in the future. Nobody will say anything because nobody knows the truth except both of us. Divorce is not a good option because there are children. What do you suggest ??
Ans: You and your stepmother have lived closely for nearly 15 years. In the eyes of society and the law, you are her husband. Biologically and ethically, you are not. But even so, the psychological, emotional, and social dimensions of this relationship are not simple. If you now consider taking the relationship from a false facade to a genuine romantic partnership, you must consider the following carefully:

Have both of you truly processed the emotional weight of what that would mean—not just for yourselves, but for the two children who know her as their mother and you as their father, even if they are aware of none of this complex history? Would a shift from this protective illusion to a real romantic relationship feel emotionally clean—or does it risk carrying guilt, confusion, or emotional baggage for either of you?

The question isn’t just whether “no one will know”—it’s whether you both will be emotionally at peace with this decision for the rest of your lives. Love, affection, companionship—these are valid and beautiful needs at your age. You deserve them. But they must come without a shadow of unresolved complexity or psychological discomfort, especially when children are involved.

You also need to think carefully about legality. Though this woman is not your biological wife, official records reflect her as such. If you move forward as a real couple, you’re essentially formalizing a previously informal truth—but you’re also deepening a secret. Is that a foundation you feel secure building a life on?

Here’s a suggestion: take a pause. Sit down with her—openly, with honesty—and explore whether this desire is rooted in genuine romantic connection, or whether it’s stemming from a shared loneliness and long companionship. The difference is critical.

You are both allowed to seek love and connection. But you must do it in a way that honors truth, emotional clarity, and long-term peace. If you sense even the slightest doubt or emotional confusion from either of you, it might be better to redefine your relationship in a healthier, more truthful way—not necessarily romantic, but meaningful, supportive, and free of secrets.

You’ve already sacrificed enough of your personal life for others. Now is the time to choose a future that is deeply your own—and built on honesty, not just convenience or secrecy.

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