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Rohit Gupta |57 Answers |Ask -Follow

Edtech/Online Education Expert - Answered on Feb 07, 2024

Rohit Gupta is the co-founder and COO of College Vidya, a one-stop solution for making informed online education choices.
Rohit is a first-generation entrepreneur who currently leads the company’s marketing and operations department.
A TEDx speaker, he was honoured with the ET Leadership Excellence Award 2022 for his effort in helping shape the lives of over 90,000 students through his platform.
Rohit is passionate about the potential of online education and is on a mission to democratise access to quality education and career opportunities.
He completed his schooling from Scholars Home in Dehradun and holds a bachelor’s degree in commerce from Deshbandhu College, Delhi.
... more

Question by Rajeev on Nov 13, 2023Hindi

Career

I have 15 years of experience in physical security and now I wanted to transition into it industry like SDE or web development. Is it possible or wise decision.

Ans: If you are dedicated and take the right steps, you can move from physical security to IT, like software development engineering (SDE) or web development. It seems like a big change, but your experience in physical security has taught you useful skills like problem-solving, attention to detail, and risk evaluation that you can use in IT jobs.

It is important to know that making this kind of change will take time and work. You must learn new technical skills like programming languages, software development methods, and web development tools. To get the necessary skills, it would help to look into appropriate education, like online certificates, diplomas, boot camps, or formal degrees.

Additionally, getting real-world experience through personal projects, internships, or entry-level jobs in the IT field can boost your credentials and assist you in making a smooth shift. It can also be helpful to network with people who work in the same area, look for mentors, and keep up with business changes.

Ultimately, whether or not switching to the IT field is smart depends on how much you love technology, how willing you are to learn, and what your long-term job goals are. If you want to work in software development or web development and are ready to put in the time and effort to learn the skills you need, it can be a very worthwhile and satisfying move.

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Krishna Kumar | Answer |Ask -Follow

Workplace Expert - Answered on Jul 03, 2024

Asked by Anonymous - Jul 03, 2024Hindi

Career

I have 5 years of experience in vlsi, and 2 year career break, now want to change domain, can I change to cybersecurity now

Ans: Hello

Yes you can change domain but for that you will have to self educate through online courses and also be open to pay cut as you will be starting fresh.

All the best

Chocko Valliappa |475 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Sep 16, 2024

Asked by Anonymous - Sep 15, 2024Hindi

Career

Hi Sir, I have 2 years of experience in mechanical engineering field now I want to change my career to IT industry it is good or bad dicision. I am already 27 year old. And I have offer letter from Infosys system engineer position. Now I moved to software industry or remain in Mechanical industry?

Ans: Congrats on the offer from Infosys. I am not aware about your mechanical engineering experience. However, the fact that you decided to apply to Infosys and have got an offer for a system engineering job, you should make a move. Once you put in your best efforts and show results you can expect ample opportunities in the coming years.

Patrick Dsouza | Answer |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Nov 30, 2024

Question by P - Nov 29, 2024Hindi

Career

Can I switch my career into IT sector Holding an experience of 6+ years in retail banking as a sales manager With a qualification of MBA.. is any possible let let me know

Ans: iIT field is quite vast. Start with doing short online courses in the area you are interested in. If you are interested you can then go on and look out for jobs in that area. Don't leave your current job when you are doing the course.

Latest Questions

Ramalingam Kalirajan |8086 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Mar 09, 2025

Question by Sivacharan - Mar 08, 2025Hindi

Money

Hi Sir, I am currently investing in the following mutual funds for my retirement and my daughter's higher education. Please advise whether I should continue with these funds or make any changes. Self (44 yrs) - For retirement at the age of 52 years ICICI Prudential Equity & Debt Fund - Direct Plan - Growth - 1000/- Mirae Asset Emerging Bluechip Fund - Direct Plan Growth - 1000/- ICICI Prudential Bluechip Fund - Direct Plan - Growth - 1000/- SBI Equity Hybrid Fund - Direct Plan - Growth - 1000/- Nippon India SMALL CAP FUND - DIRECT GROWTH PLAN - 1500/- SBI Small Cap Fund-Direct-Growth - 1500/- Parag Parikh Flexi Cap Fund-Direct-Growth - 3000/- Axis midcap fund - Direct - Growth - 1000/- HDFC Defense Fund - Direct Growth - 3000/- Total = 14000/- Daughter1 ( 10 years - for her higher studies) HDFC Mid-Cap Opportunities Fund - Direct Plan - Growth - 1000/- Tata Equity P/E Fund Direct Plan - Growth - 1000/- SBI Gold Fund - Direct Plan - Growth - 1000/- Edelweiss Small Cap Fund - Direct Plan - Growth - 1000/- SBI Equity Index Direct - Growth - 1000/- Total = 5000/- Daughter2 ( 5 years - for her higher studies) ICICI Prudential US Blue chip Equity Fund - Direct Plan - Growth - 1000/- Axis Blue chip Fund - Direct Plan - Growth - 500/- Axis Mid Cap Fund - Direct Growth - 500/- SBI Flexi Cap Fund Direct Plan - 500/- Axis Small Cap Fund Direct Growth - 500/- HDFC Index Fund - Sensex - Direct Plan - 500/- HDFC Hybrid Equity Fund - Direct Plan - Growth - 500/- HDFC Gold Fund - Direct - Growth - 1000/- Total = 5000/-

Ans: You have a structured approach to investing. You are planning for retirement and your daughters' higher education.

A well-diversified portfolio helps in risk management and long-term growth. Let’s evaluate your current investments.

Retirement Portfolio Review
You are 44 years old and plan to retire at 52.

Your monthly SIP is Rs 14,000.

Your portfolio has large-cap, mid-cap, small-cap, hybrid, and thematic funds.

Positives
You have exposure to all market segments.

You are investing in equity for long-term growth.

You have a mix of aggressive and stable funds.

Areas of Improvement
Too many funds increase complexity.

Small-cap exposure is high, increasing risk.

Thematic funds may not align with retirement goals.

Recommendations
Reduce small-cap fund exposure for stability.

Consider increasing large-cap and hybrid allocation.

Thematic funds are unpredictable; review their role in your portfolio.

Higher Education Portfolio Review
Your elder daughter is 10 years old.

Your younger daughter is 5 years old.

You are investing Rs 5,000 per month for each child.

Positives
You are saving early, giving your investments time to grow.

You have diversified across equity, gold, and international markets.

Areas of Improvement
Gold funds do not generate high returns over time.

Index funds have limitations and do not adjust to market conditions.

Too many funds reduce portfolio efficiency.

Recommendations
Reduce gold fund exposure and increase equity allocation.

Replace index funds with actively managed funds.

Keep a balance between large-cap and mid-cap funds.

Final Insights
Your investment approach is disciplined and future-focused.

Reducing unnecessary funds will simplify your portfolio.

A balanced mix of large-cap, mid-cap, and hybrid funds will provide stability.

Regular reviews with a Certified Financial Planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 09, 2025

Asked by Anonymous - Mar 09, 2025Hindi

Career

What college options do I have for Mathematics and Computing branch at 98.55 %ile in JEE Mains? (General Male)

Ans: Any low ranked or middle ranked IIT or top level NITs.Best of luck.Professor.....:)

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

What is rank of ews in jee mains 2024 for 97.18 percentile

Ans: For a 97.18 percentile in JEE Mains 2024, an EWS candidate can expect a rank within the top 10,000 EWS ranks, placing them in a very competitive position for admissions to prestigious engineering colleges within the EWS category. Best of luck. Professor...............:)

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

My son is studying 10th cbse this year 2025 he wants to Crack jee mains and jee advance he needs some online help to Crack the exams

Ans: According to current information, some of the top online coaching platforms for JEE Main and JEE Advanced include: Vedantu, Aakash Digital, Physics Wallah, Unacademy, Allen Kota, Motion Education Kota, and Byju's; with Vedantu often considered one of the best options for live interactive classes and comprehensive JEE preparation. Best of luck. Professor............................:)

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 08, 2025

Question by Chetna - Mar 08, 2025Hindi

Career

My son secured 83.14 percentile in JEE mains 2025 ( ews category), RJ domicile. Can he get into any NIT or govt colleges

Ans: That guarantee can't be given. Since the percentage is in border line. A candidate is from Rajasthan with 83.14 percentile in JEE Mains he may have a chance to get admission into some NITs and State Government colleges in Rajasthan, but it is likely only for lower ranked branches or if he belongs to a reserved category, as a general category candidate usually needs a higher percentile (around 90+) to secure a seat in top NITs. Best of luck. Professor...................:)

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

Sir if my overall percentage in 12th 67 but my physics and chemistry 60 marks can give jee advanced if I am science candidate

Ans: es, a candidate with 67% marks in 12th standard can appear for JEE Advanced, as there is no minimum percentage requirement in 12th grade to sit for the JEE Advanced exam; however, to get admission into an IIT, they will need a minimum of 75% aggregate marks in their 12th standard exams (65% for SC/ST/PwD categories). Best of luck. Professor.................:)

Prof Suvasish Mukhopadhyay |471 Answers |Ask -Follow

Career Counsellor - Answered on Mar 08, 2025

Question by Mukesh - Mar 08, 2025Hindi

Career

Jee mains me nit college me addmission ke liye75% class 12 me marks jaruri h kya general category ke liye

Ans: Yes, to get admission into an NIT through JEE Main, you need to have a minimum of 75% marks in your Class 12 board exams, according to the current eligibility criteria; this applies to general category candidates, while reserved categories like SC/ST may have a lower percentage requirement of 65%. Best of luck. Professor...................................:)

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 06, 2025Hindi

Money

Can I retire at age of 50 years? My savings are cash in Bank around Rs 2 Cr with nominal FD returns, Have Physical Gold about 3 Kg (Purchase price 1.8 Cr), Have Ornament Gold about 2.3 Kg (Purchase price 1.2 Cr), Have Unlisted NSE stock worth 1 Cr, Have Pre IPO Opportunities Fund worth Rs 80 Lakhs, Have two apartments worth 3 Cr and 1.5 Cr with combined rental of Rs 1Lakh per month, Have residential plot worth 1.5 Cr, Have one house abroad worth 6 Cr and rental 2 Lakhs per month, Have cash in Offshore Bank in dollars i.e. worth Rs 12 Cr with nominal FD returns, Have Insurance schemes worth Rs 20 Lakhs and Lastly have a house worth Rs 18 Cr in which we currently reside. Our Expenses : We have no Loans/Debts, Our Average Monthly Expenses are Rs 8 Lakhs, Health Insurance Rs 1.5 Lakhs per annum, Total College Education abroad for 2 kids for next 6 years estimated to be Rs 6 CR on an average 1CR per year, Old Aged Parents Expenses Rs 2 Lakhs per month.

Ans: Hello;

Just summarizing your assets available for generating retirement income:

1. Domestic FD: 2 Cr
2. Gold(3 Kg) valued at~:2.64 Cr
3. Jewellery valued at~:2 Cr
4. Flat1: 3 Cr
5. Flat2: 1.5 Cr
6. Land: 1.5 Cr
7. Overseas House: 6 Cr
8. Overseas FD: 12 Cr
9. Self occupied property: 18 Cr
10. Stock & AIF: 1.8 Cr
Total: 50.44 Cr
(Gold price considered: 88 K per 10 gm)
However we can subtract assets at serial no. 3, 7 and 9 from this and we get a corpus of 24.44 Cr. The 44 L may be kept aside for transaction costs, taxes etc.

It is advisable that you sell the flats in India offering low rental yield and also physical gold and the land property.

Now the corpus of 24 Cr may be split into two parts:
20 Cr may be invested in MFs for SWP at 5% yielding post tax income of around 7.3 L per month.

4 Cr may be used to buy immediate annuity from a life insurance company. Assuming 6% annuity rate you may expect a post tax monthly income of 1.4 L.

So your post tax monthly income may be:
7.3+1.4+2*=10.7 L as desired.
*Rental from overseas House

Since the kid's higher education is not finding place here I suggest you work for few more years, while putting this retirement income plan in place, for funding their higher education.

Best wishes;
X: @mars_invest

Mayank Chandel |2090 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 07, 2025Hindi

Career

My Son got 99.6 percentile in JEE Mains1. from Open category He is preparing for JEE Advanced now, however I wanted to ask if he Computer Science in which top NIT.

Ans: Hi
Congratulations on such a marvellous score. He can get into any top 5 NITs. If every one scores like this is second phase of mains. He will get CSE in best. In my personal view prefer top IIITs too. They have much better curriculum over NITs.

Also, I would suggest let him focus on ADVANCED completely.

All the best.

Mayank Chandel |2090 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Mar 08, 2025

Asked by Anonymous - Mar 08, 2025Hindi

Career

Hello sir, very urgent query I appeared as pcb candidate in 2023 . If I give nios on demand exam for maths will I be eligible for jee advanced ? I have qualified for jee mains. Please answer sir. I am quite confused. Is there no way to appear for advanced

Ans: Hello
Sorry to say but JEE won’t accept the NIOS marksheet with additional subject as maths. It has to be one marksheet with all subjects.
DM me through insta handle CAREERSTREETS. I will suggest a way to appear for JEE.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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