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Geeta

Geeta Ratra  | Answer  |Ask -

Visas, Study Abroad Expert - Answered on Aug 09, 2023

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Neeraj Question by Neeraj on Aug 03, 2023Hindi
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My son is in 12th standard with PCM subjects and he is an average student. Can you please suggest some good/economical universities abroad can offer him graduate engineering in computers to have good career ahead. Thanks

Ans: Hello Neeraj,
The good universities and colleges will have a minimum requirement of more than 70% in the 12th grade to enrol in graduate engineering in computers. You may be admitted with 60%, but there are extremely few possibilities. The approximate charge ranges from 13 to 18 lacs each year, depending on the country.
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Sushil

Sushil Sukhwani  |567 Answers  |Ask -

Study Abroad Expert - Answered on Sep 14, 2023

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My son is pursuing Degree in Computer Science. He is in his last year. He is good in App Developer. He wants to study in abroad. Please suggest which course to pursue. Any university abroad for one year degree course. Your advice will be very helpful to me.
Ans: Hello Rupinder,

First and foremost, thank you for contacting us. If your son is passionate about developing applications, studying abroad can be a great way for him to advance his education and acquire international exposure in the computer science field. Since he is currently in the final year of his Bachelor’s degree, he may be considering pursuing a one-year Master's course to further specialize in this field. Mentioned below are some courses that your son could opt for:

1. Master's in Information Technology: With an emphasis on app and mobile development, certain colleges provide specialized pathways within their IT programs.

2. Master's in Mobile App Development: A specialized course in creating mobile applications, these programs are offered by a number of universities worldwide, including universities in the UK, Europe, the USA, Australia, and Canada.

3. Master's in Computer Science: This being a flexible choice, it enables your son to focus on app development within the wider field of computer science. Within their computer science programs, a variety of specializations are offered by several universities.

4. Master's in Software Engineering: A rather comprehensive course encompassing both, software and app development, and offered by leading universities globally, the Master's in Software Engineering provides a solid base in software engineering practices and principles.

Your son should research and decide on a program that best matches his hobbies and career objectives.

Outstanding programs in computer science are offered by the below mentioned prominent international universities:

• The UK: University College London, University of Cambridge, Imperial College London, and University of Oxford.

• Australia: University of Melbourne, University of New South Wales, Australian National University, and University of Sydney.

• The USA: University of California, Berkeley, Stanford University, University of Washington, Massachusetts Institute of Technology, and Carnegie Mellon University.

• Europe: Technical University of Munich (Germany), University of Edinburgh (UK), and ETH Zurich (Switzerland).

• Canada: University of British Columbia, McGill University, University of Toronto, and University of Waterloo.

Visit the official websites of each of these universities for accurate details pertaining to the courses offered and the admission prerequisites, as varying programs and specialties may be offered by each university.

Moreover, when selecting a foreign university, your son should take into account the living expenses, location, scholarship possibilities, and internships or co-op programs available. As admission standards and requirements can differ between universities and countries, your son should start applying ahead of time.

For more information, you can visit our website.

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Sushil

Sushil Sukhwani  |567 Answers  |Ask -

Study Abroad Expert - Answered on Sep 22, 2023

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Dear Sushil ji, My son is doing Computer Science from VIT vellore and is 3rd Year Student. Please advise whether he should go abroad for the Masters and location whether Germany will be advisable . Kindly provide the input .
Ans: Hello Sanjay,

To begin with, thank you for contacting us. Your son’s future ambitions, financial status, and personal choices, play a key role in deciding if he should travel overseas to pursue a Master’s degree in Computer Science, and if Germany is a favorable study destination. When deciding, take into account the following factors:
1. Career Objectives: Consider if your son has set career ambitions that can be accomplished by studying a master's degree abroad.

2. Academic Prowess: An exceptional academic record can enhance your son’s chances of getting into prominent foreign universities. Take into account his academic success in the program he is currently pursuing.

3. Financial Condition: Studying overseas can be a costly affair. Investigate your financial capacity and the costs related with studying in Germany or any other country. Look into the available scholarships, financial aid, and part-time work opportunities.

4. Choosing Programs and Universities: Conduct extensive study and pick programs and universities that resonate with your son’s educational and professional interests. Search universities that have robust Computer Science departments and research possibilities.

5. English Language Competency: Although there are a few English-taught courses, Germany mainly offers programs in the German language. You on studying in Germany or any other non-English-speaking country, make sure he possesses the required language abilities.

In addition, your son should get to know the visa and immigration prerequisites for the country he intends studying in. For instance, Germany has a fairly simple student visa procedure for international students. Enhanced networking possibilities are offered in the tech sector by some countries over others. Investigate the labor market and links your son can form during the duration of his Master’s course. Also, take into consideration if your son is ready for the societal and cultural changes that come with pursuing overseas education. This involves adjusting to a new setting, building friendships, and getting to know the local culture. Look into the available post-study employment opportunities in the country you have chosen to study in. Taking into account both, the cost of studying and the long-term professional advantages, consider the possible ROI (Return on Investment) of pursuing a master's degree overseas.

Owing to its exceptional system of education, research possibilities, and a friendly environment for international students, Germany can be a top option to pursue a Master's in Computer Science. To make an educated choice, carefully examine each factor and get in touch with career counselors and academic consultants. Your son should also examine particular programs and universities in Germany to make sure that match his objectives and interests.

For more information, you can visit our website.

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Ramalingam

Ramalingam Kalirajan  |7550 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

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Hello Sir. I have Rs1,00,000 that I want to invest as a lump sum in SBI Mutual Funds for the long term (15+ years). Considering that SBI has one of the largest Asset Management Companies (AMCs), could you please recommend which SBI Mutual Funds would be suitable for such an investment and have the potential to deliver good returns over this period? I am doing this investment for my daughter's education.
Ans: Your decision to invest Rs 1,00,000 for your daughter's education is commendable. A long-term horizon of 15+ years offers significant growth potential through mutual funds. Below are insights and recommendations to guide your investment.

Why SBI Mutual Funds?

SBI is one of India’s largest and most trusted AMCs.

They offer a wide range of funds suitable for different goals and risk levels.

Their consistent performance track record reflects sound fund management.

Key Factors to Consider for Long-Term Investments

Investment Objective:

Education is a critical financial goal.

Focus on wealth accumulation through equity-oriented funds.

Risk Appetite:

Equity funds involve volatility but offer high growth.

Ensure alignment with your risk tolerance.

Fund Type Selection:

Choose funds based on asset allocation and diversification.

Evaluate the performance of large-cap, mid-cap, and hybrid funds.

Tax Implications:

LTCG over Rs 1.25 lakh is taxed at 12.5%.

Understand taxation for equity and debt funds.

Suggested Fund Categories for Your Investment

1. Large-Cap Funds

Invest in funds focusing on well-established companies.

They offer stability and moderate risk.

Suitable for conservative investors.

2. Mid-Cap Funds

These funds focus on medium-sized companies with high growth potential.

They are riskier than large-cap funds but offer higher returns.

Suitable for investors willing to take calculated risks.

3. Flexi-Cap Funds

Invest across large, mid, and small-cap companies.

They offer diversification and the flexibility to adapt to market conditions.

Ideal for investors seeking balanced growth.

4. Equity-Linked Savings Schemes (ELSS)

ELSS funds offer tax benefits under Section 80C.

They have a lock-in period of three years.

Suitable for investors aiming for tax-efficient long-term growth.

5. Hybrid Funds

Invest in a mix of equity and debt instruments.

They offer stability through debt and growth through equity.

Suitable for moderate-risk investors.

Benefits of Investing Through a Certified Financial Planner (CFP)

CFPs offer expert guidance tailored to your goals.

They help monitor fund performance regularly.

They ensure optimal fund selection and rebalancing.

Regular plans through CFPs provide dedicated service and support.

Why Choose Actively Managed Funds?

Active funds aim to outperform benchmarks through expert fund management.

They offer higher potential returns compared to index funds.

Fund managers actively adjust portfolios based on market trends.

Ideal for long-term investors seeking growth.

Key Steps to Start Your Investment

Define your financial goal clearly.

Consult with a CFP for fund selection.

Review the chosen fund’s historical performance and portfolio composition.

Use SIPs for additional investments to benefit from rupee cost averaging.

Monitor your portfolio periodically to ensure alignment with your goals.

Final Insights

Investing in SBI Mutual Funds is a smart choice for your daughter’s education. Selecting the right fund category ensures growth and stability over 15+ years. Partnering with a Certified Financial Planner ensures professional guidance and optimal returns. Stay committed to your goal, review your investments regularly, and focus on long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Mutual Funds, Financial Planning Expert - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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I am an NRI with an NRO trading account through Zerodha, but I cannot trade in F&O and Intraday. I have been filing my returns consistently though I have had no income in India in the last 10 years. But I have investments in MF, PPF, NPS, Medical and Life Insurances, ULIPs which were initiated while working in India and had tax saving options and it is being continued. I would like to trade in F&O and Intraday. My wife is not employed till date and has a regular savings account with the Bank which is Resident Indian normal account. She has never filed any IT returns since as there was no income and transactions from my side were only for family maintenance. My question is, can I open a regular trading account in her name so that we can do trading in F&O and Intraday? What are the necessary things which I need to follow for filing IT returns and how my investments can be helpful to file returns through her account. She doesn't have any investments except LIC & Health Insurance policies in her name for which I pay from myside.
Ans: Yes, you can open a trading account in your wife's name to trade in F&O and intraday; however, there are a few important considerations:

Steps to Open a Trading Account:
Convert Savings Account to a Trading-Compatible Account: Ensure her existing bank account supports trading transactions. If not, convert it to a trading-compatible savings account.
KYC Compliance: Complete her KYC process with updated details, including PAN, Aadhaar, and a valid address proof.
Link Demat and Trading Account: Open a Demat and trading account in her name with a broker that supports F&O and intraday trading for resident individuals.
Nominate a Separate Source of Funds: Ensure the funds transferred to her account are not directly linked to your NRI account to avoid legal and taxation issues.
Tax Implications:
Income from Trading: Any income generated from trading in her account will be considered her income. Since she has no other sources of income, her income from trading may be taxed as per the slab rate applicable to her.
Gift Declarations: Funds transferred to her account can be considered a gift. Gifts from a spouse are exempt from tax, but the income generated (through trading) will be clubbed with your income under Section 64 of the Income Tax Act.
Filing IT Returns:
She will need to file her own ITR if her total income (including trading profits) exceeds the taxable limit (Rs. 2.5 lakhs for individuals below 60).
Any clubbed income will still require an ITR to declare the source and details.
Investments for IT Filing:
Investments in her name (e.g., LIC and health insurance) can help:

Claim deductions under Section 80C for LIC premiums.
Claim deductions under Section 80D for health insurance premiums.
Alternative Suggestions:
Joint Investments: Instead of opening an account in her name, consider using investments in her name (LIC, insurance, etc.) to improve her financial standing without additional compliance.
Professional Advice: Engage a CA familiar with NRI taxation and clubbing provisions to ensure full compliance and proper structuring.
If you'd like detailed help with tax planning, compliance, or investment strategies, let me know!

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment.

...Read more

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Kanchan

Kanchan Rai  |496 Answers  |Ask -

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hi sir im in a relationship with a guy who i met in hyd we have been together since one year he is a hindu nd im a christian we both love eachother and wanna marry but my parents r against it bcoz he comes from a hindu family and they r forcing me to get married to a christian guy i love him i never got love from my parents when he is giving me the love i want my parents have seperated me from him im not able to understand what to do plz help
Ans: Dear Niveditha,
It’s important to start by having an open and honest conversation with your parents. Try to understand their concerns and share your feelings with them. Express how much this relationship means to you, focusing on the love, respect, and support you and your partner share, rather than just the religious differences.

If this approach doesn’t work, consider involving a trusted family member, friend, or community leader who might help mediate the situation. Sometimes, having an external perspective can help bridge the gap between differing viewpoints. You should also reflect on the long-term implications of your decision. Think about whether you’re ready to face the potential challenges of a mixed-religion marriage, including societal pressures and family dynamics. Having in-depth discussions with your partner about these issues is crucial to ensure you’re both on the same page.

If your parents remain opposed, you may need to consider seeking counseling or therapy. A counselor can help you process your emotions and provide strategies for dealing with family conflicts. They can also offer guidance on how to communicate more effectively with your parents. Building a support system outside of your family, whether through friends, mentors, or support groups, can also be invaluable during this time. It’s important to have people who understand and support your decisions.

Ultimately, the decision about whether to continue with your relationship despite your parents' opposition is yours. You’ll need to weigh the emotional and practical consequences, including the possibility of estrangement or ongoing family conflict. It’s vital to prioritize your happiness and well-being. If you believe that your relationship brings you genuine love and fulfillment, standing by your choice is valid. However, be prepared for the challenges that may come and have a plan in place to manage them. This is a deeply personal decision, and whatever path you choose should align with what feels right for you and your future.

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Relationships Expert, Mind Coach - Answered on Jan 19, 2025

Asked by Anonymous - Jan 19, 2025Hindi
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URGENT Hello kanchan ma'am Please help. I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.
Ans: start by having a direct and open conversation with your prospective partner. It’s crucial to clearly communicate your feelings about the elder child staying at home, especially regarding the need for privacy and the impact of his aggressive behavior. Explain how this change affects your comfort and daily life, emphasizing the importance of maintaining a harmonious living environment.

In tackling the privacy issue, consider discussing potential adjustments to the home’s layout. Creating separate living spaces or setting up rules that establish personal boundaries can help ensure everyone feels comfortable. Developing a routine that allows for private time with your daughter will also be essential in maintaining a balance.

Regarding the transition to a small town, research the local job market thoroughly. Look for opportunities that align with your career goals and consider remote work options if they’re available. It’s also important to engage with the local community to build a support network. Attend community events, meet potential neighbors, and get a feel for the town’s environment. Having a backup plan, such as maintaining connections in your current city or setting aside a financial cushion, will give you added security should the move not work out as expected.

Blending families is a significant emotional and practical challenge, so consider family counseling as a way to address potential conflicts and improve communication. A counselor can provide valuable strategies to help everyone adjust to the new living arrangements and understand each other’s perspectives. To ease into this change, propose a trial period where you can test the dynamics without committing long-term right away. This will give you the opportunity to evaluate how well you and your daughter adapt to the new situation.

Lastly, it’s essential to address your fear of being alone. Reframe this fear by focusing on the positives of independence. Remind yourself that it’s better to be single and emotionally secure than in a relationship that feels overwhelming or stifling. Use this time to invest in personal growth, hobbies, and building a fulfilling life for you and your daughter. Keeping an open mind about future relationships is healthy, but it’s important to ensure any new partnership aligns with your values and meets your emotional needs.

By taking these steps, you can approach the situation with clarity, ensuring that any decision you make is grounded in what’s best for your well-being and that of your daughter.

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