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R P Yadav | Answer |Ask -Follow

HR, Workspace Expert - Answered on Jan 30, 2024

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Asked by Anonymous - Aug 21, 2023Hindi

Career

I have 18 years IT experience as Developer,team lead,Manager. Have done fairly well in career so far. But I am not really enjoying people management and team leading. I switched job in 2021 consciously took a senior developer role. Very happy with this role, but issue is after some time companies expect you to lead teams. Financially I am good, and no dependents. Ready to take a pay cut. What other career options/ line of work can I do? Wish to remain in IT ? To summarize, I wish to remain an individual contributor. Kindly reply

Ans: It’s great to hear that you have 18 years of experience in IT and have done well in your career so far. It’s also good to know that you are happy with your current role as a senior developer. If you wish to remain an individual contributor, there are several career options that you can consider within the IT industry.

Technical Architect: As a technical architect, you will be responsible for designing and implementing complex software systems. You will work closely with developers and other stakeholders to ensure that the system meets the business requirements and is scalable, secure, and maintainable.

Data Scientist: As a data scientist, you will be responsible for analyzing large datasets to identify patterns and trends. You will use statistical and machine learning techniques to develop predictive models that can be used to make informed business decisions.

DevOps Engineer: As a DevOps engineer, you will be responsible for developing and maintaining the infrastructure that supports the software development process. You will work closely with developers to ensure that the software is deployed and tested efficiently and reliably.

Technical Writer: As a technical writer, you will be responsible for creating documentation that explains complex technical concepts in a clear and concise manner. You will work closely with developers and other stakeholders to ensure that the documentation is accurate and up-to-date.

Software Quality Assurance Engineer: As a software quality assurance engineer, you will be responsible for ensuring that the software meets the required quality standards. You will work closely with developers to identify and fix defects in the software.

These are just a few examples of the many career options available to you as an experienced IT professional. I hope this helps you in your search for a fulfilling career. If you have any further questions or concerns, please let me know.

You may like to see similar questions and answers below

Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on Feb 13, 2024

Asked by Anonymous - Aug 03, 2023Hindi

Career

I have 18 years IT experience as Developer,team lead,Manager(initial) Have done fairly well in career so far. Over past few years NOT enjoying handling teams especially, daily scrums etc,(agile etc). In new job which I switched in 2021 consciously took a developer role. Very happy with this role, but issue is after some time companies expect you to lead teams even if you start afresh as developer. As current job contract coming to end, have to again look for a new one. I have reduced my experience to 11 years (as at 18 years, no one will give senior developer roles). My tech stack is Microsoft .Net. Financially I am good, and no dependents. Ready to take a pay cut. What other career options/ line of work can I do? Wish to remain in IT ? To summarize, I wish to remain an individual contributor.

Ans: Dear

You can tell your potential employer that you want to be in IC role and they will be happy to oblige given your vast experience and the fact that you are willing to take a pay cut.

Alternatively you can explore freelancing.

All the best.

Abhishek Shah | Answer |Ask -Follow

HR Expert - Answered on Aug 23, 2023

Asked by Anonymous - Aug 21, 2023Hindi

Career

Hi, I have 18 years IT experience as Developer, team lead, Manager. Have done fairly well in career so far. But I am not really enjoying people management and team leading. I switched job in 2021 consciously took a senior developer role. Very happy with this role, but issue is after some time companies expect you to lead teams. Financially I am good, and no dependents. Ready to take a pay cut. What other career options/ line of work can I do? Wish to remain in IT ? To summarize, I wish to remain an individual contributor. Kindly reply

Ans: Hello,

It's great to hear about your extensive IT experience and your awareness of your preferences in terms of work roles. Transitioning away from management and focusing on individual contribution is a valid choice that aligns with your career satisfaction. There are several paths you can explore within the IT field that allow you to remain an individual contributor and leverage your technical skills and experience. Here are a few options to consider:

Technical Specialist/Architect: As a technical specialist or architect, you can dive deep into specific technologies, frameworks, or domains. You'll be responsible for designing complex systems, solving intricate technical challenges, and providing guidance to development teams. This role lets you stay close to the technical aspects of projects without being directly involved in people management.

Subject Matter Expert (SME): SMEs are highly knowledgeable individuals in a specific area. You can become an SME in a particular programming language, technology stack, or domain. This role involves mentoring others, providing technical expertise, and staying up-to-date with the latest advancements in your chosen area.

Technical Evangelist/Advocate: If you're passionate about certain technologies or tools, becoming a technical evangelist allows you to promote and advocate for them within the industry. This role often involves speaking at conferences, writing technical articles, and engaging with the developer community.

Consultant: As a consultant, you can offer your expertise to various companies on a project basis. You'll work on different projects, offer technical solutions, and collaborate with teams to implement best practices.

Principal Engineer: In this role, you become a senior-level individual contributor who influences technical direction, makes architectural decisions, and guides the development process. It's a role that emphasizes technical leadership and mentorship.

Freelancing/Contracting: If you enjoy the flexibility of work, you can consider freelancing or contracting. You'll have the freedom to choose projects that align with your interests and skills while maintaining your status as an individual contributor.

Open Source Contributor: Contributing to open source projects can be a fulfilling way to leverage your skills while collaborating with a global community of developers. It allows you to work on projects that interest you and make a broader impact.

Technical Writer/Trainer: If you have a knack for explaining complex technical concepts, you might consider becoming a technical writer or trainer. You can create documentation, tutorials, or online courses to educate others in the IT field.

It's important to communicate your career aspirations clearly to potential employers to ensure that you're considered for roles that match your preferences. By pursuing one of these paths, you can continue to thrive in the IT industry while focusing on what you enjoy most – technical expertise and individual contribution.

Regards,
Abhishek Shah

Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on Aug 09, 2024

Question by MaheshChandra - Jul 17, 2024Hindi

Career

Hi Sir, I have 20 years experience as a ETL technical lead, and since i am very good with attention to detail, i kind of stuck with this tech lead role for too long now. My salary is stuck at 15 lakhs and with 20 years experience and the technologies that keep changing, finding job is getting difficult. Even after learning new technologies, i am repeatedly being put in same old legacy stuff and also for my experience, they expect more from me which i am not able to answer due to my under exposure . I should have been atleast a senior architect now. But technology is becoming a hard nut to chew on these days. i am also inclined towards program manager kind of job but then since i have been in technology for 20 yrs now, if i have to start as a manager it will take a whole lot of time and effort to reach program manager role. Also, if all i have to concentrate is on becoming a program manager then i feel that this 20 yrs of experience may go waste..and maybe i repent that i should have started early in my career and should have taken a project manager role so that by now i would have become a program manager...i am so lost and inspite of being so senior i am not able to make decisions nor do i have clarity on what i want...

Ans: Hello

It is indeed difficult to keep pace with changin technology, but unfortunately that is the reality. The advantage you have is being hands on for all these years in tech. I would suggest you learn a few of the new age languages (javascript / python) and then become hands on by taking up freelancing assignments from odesk.com upworks.com freelancer.com (probably for a year or two) and then re-apply - there are a lot of opportunities to earn for good engineers with actual tech-hard-skills.

All the best

Latest Questions

Dr Ashish Sehgal |115 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 23, 2024

Question by Shraddha - Dec 23, 2024Hindi

Relationship

Sir as I previously take your view about my situation...sir you tell that in love understanding between partner is important.but sir my partner doesn't want to talk with me.I just never think that he will give up so easily.

Ans: It’s interesting, isn’t it, how relationships often mirror the patterns of communication we create within them? When one partner feels distant or unwilling to talk, it’s less about them giving up and more about a shift in the way they’ve been feeling understood—or misunderstood.

You see, communication isn’t just about words; it’s about emotions, intentions, and the unspoken messages we convey. If your partner isn’t talking, perhaps they’re saying something without words. And that’s where curiosity becomes your ally.

Instead of focusing on the silence, what if you shifted your attention to understanding what that silence represents? Maybe it’s disappointment, frustration, or even fear. But the key is, you can’t solve what you assume—it’s about discovering what’s really there.

And let me ask you this: if you were to step into their shoes for a moment—just imagine being them—what might they feel? What might they need to hear from you, or perhaps sense from your presence, that could bring a spark of connection back into the conversation?

Love is rarely about giving up. It’s about learning to communicate in a way that feels safe and understood. And if you’re willing to stay open, willing to listen to the quiet messages, you may find a new way forward—one step at a time.

Ravi Mittal |473 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 22, 2024Hindi

Relationship

Hello sir Sir meri ek friend relationship mai hai lekin uska boyfriend usko bohot torcher karta hai abuse bolta hai jis karn meri friend uske sath break up karna chahti hai but wo ladka usko blackmail kar raha hai ke wo uske maa baap ko bata dega aur ladki Aisa nhi chahti uske maa baap ko pata chala to uski study rukwa denge meri friend bohot pareshan hai usko kya Karna chahiye

Ans: Dear Anonymous,
Trust me, the right thing is to inform her parents about this. Torture is a serious matter and she should not have to tolerate that. I am very sorry that this is happening to her, but please encourage her to break up with the guy and tell her parents the truth. She can simply tell that she used to like someone, but does not anymore. This way, the guy can't blackmail her anymore and her parents will also know that she is not involved with him anymore.

Hope this helps.

Radheshyam Zanwar |1108 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Career

Hi sir, I have seen a query of a parent on bds under NRI quota. Basis my Daughter's current study, I request you to explore NRI quota of Mahatma Gandhi Post Graduate Institute of Dental Sciences, Pondicherry which is a govt college having nri quota and fee also much less. Being govt college good patient flow also. Admussion is thru Pondicherry govt's CENTAC.

Ans: Hello Dear
As far as the NRI quota is concerned, it is better to visit the official website of the said college or directly talk to the administration for more accurate and reliable information. The fee changes and varies institute-wise. If your daughter scores well, she can get admission to Pondicherry through CENTAC (CENTRALISED ADMISSION COMMITTEE). It is not clear why you are only focussing on Pondicherry. There are many colleges where your daughter can get admission through the NRI quota easily either in a college or a good private college. The flow of patients is almost the same to Govt and Pvt college.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Radheshyam Zanwar |1108 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Career

1) List of IITs in India, State wise 2)What is the methodology to become an IITian 3)What is the cutoff for 2024-25 IIT admission institute wise in India.

Ans: Hello dear.
Here is the point-wise reply to your question:
(1) Visit any IIT website (i.e. IIT Delhi or Kanpur), and you will get the list of state-wise. or simply copy the following link and paste it into your browser: https://sites.google.com/d/1Jkk3M1VMmz-cAt9715bsTdB8_-HX3zhc/p/1tl1rYT3HOt1z5JjSkfujneMhN6FJCOpo/edit
(2) To become IITan, first crack JEE (Main) and then JEE (Adv). Get admission to IIT College based on your rank. Pass the course. Then you will be called/recognized as IITas.
(3) Cutoff varies from institution to institution and course-wise. It would be better to visit the Kanpur / Madras IIT websites to know the exact cutoff branch-wise.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ramalingam Kalirajan |7322 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

Question by Anil - Dec 23, 2024Hindi

Money

Hi Mr. Ramalingam, Can I check New Asset class (Specialized Investment Fund SIF) for 10 lakhs investment for my kids education(Right now 4months old). Thank you for your response.

Ans: Investing Rs 10 lakhs for your child’s education is a thoughtful decision.

Your child is 4 months old, so you have a long investment horizon.

Currently, SIF is not yet launched or operational.

Equity Mutual Funds: A Reliable Option
Equity mutual funds are proven for long-term goals like education.

They offer inflation-beating growth over a 15-18 year period.

Start investing now to benefit from compounding.

Choose funds with a consistent track record.

Wait and Observe SIF Performance
SIF is a new asset class and lacks a performance track record.

It’s wise to wait for its launch and review its stability.

Assess the fund's returns, risk profile, and management quality.

Investing in an untested asset could increase risks unnecessarily.

Diversify Investments Over Time
Initially, focus on equity mutual funds for growth.

Later, as SIF stabilises and performs well, consider it.

Diversify across asset classes gradually based on market insights.

Final Insights
Begin with equity mutual funds for your child’s education fund.

Monitor SIF's launch and performance over the next few years.

Decide on SIF only after it demonstrates a solid track record.

Keep your investments aligned with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Milind Vadjikar |790 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

Asked by Anonymous - Nov 27, 2024Hindi

Money

Sir I have loan of 25 lacks inr with interest of 8% for 10 years .my emi is 31562/ month.i have invested my all loan amount for buying an agricultural land,a house ,a plot.i am getting 5k rent from house.but due to heavy emi my financial situation disturbed.my sallary is 76000/ month and I am a gov employee.plz guide me sir what to do .

Ans: Hello;

Is it possible for you to make a partial withdrawal from GPF?

If yes, then use it to repay the loan and reduce the EMI burden commensurately.

Never do investment with borrowed money, except for home meant for self use.

Worst case sell agricultural land or plot and use the proceeds to reduce outstanding loan and hence EMI outgo.

Best wishes;

Milind Vadjikar |790 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

Question by Gaurav - Dec 22, 2024Hindi

Money

I& my wife is 32. What would our ideally retirement corps. I assume 20Cr. Correct me if I'm wrong. My current saving & income are below - 1) Rs 2,40,000 take home per month combined. 2) We both have PPF for the last 7 years contributing 1.5L each year from starting and plans to continue till 60. 3) LIC will give us 2Cr when we hit 60. 4) NPS we contribute 1L per each year form 2022 combined plans continue till 60. 5) Mutual Fund of SIP Rs 10,000 each month for last 1 year combined plans continue till 60. 6) APY we will get 5000 per month at 60. 7) FDs of Rs 36Lakh 8) Gold of Rs 15Lakh bonds 9) Got Inherited Rs 1.6Cr in form of FDs 10) Have Medeclaim of 40Lakhs and have own house. 11) Monthly expenses is around 40,000. 12) Have 1 year old Kid. 13) Have PF of 8 lakhs and will grow till 60. Also taking Gratuity in account.

Ans: Hello;

Your current monthly income need of 2.4 L will grow up to 12.27 L after 28 years (At your retirement age of 60) considering 6% inflation.

Assuming your expenses at retirement will reduce so you may need 75% of this income to cover your expenses at that time therefore you may need a monthly income of 9.2 L.

To generate this income you may need a corpus of 27 Cr(Min.) at the age 60 that may generate post-tax monthly income of around 9.2 L.

Your investments will grow as follows,

1. PPF: 1.5 L per person per year for 35 years will grow into a corpus of around 4.32 Cr. (6.9% return assumed)

2. LIC: policy maturity proceeds will provide 2 Cr at age 60.

3. NPS: 1 L per person per year may grow into a sum of 2.5 Cr at 60.(8% return considered)

4. MF sip of 10 K may grow into a sum of 2.05 Cr at 60. (10% return considered)

5. FD of 36 L will grow into a sum of 2.1 Cr if held till 60. (6.5% return assumed)

6. Gold in form of bonds if reinvested into gold mutual funds and held till 60 may yield a corpus of around 1.1 Cr. (7% return assumed)

7. Inherited funds if held in FD till the age of 60 may yield a corpus of 9.9 Cr.
(6.5% return considered)

8. EPF is expected to grow into a sum of around 1.8 Cr at the age of 60.(7% return considered)

A summation of investment values at 60 indicates a sum of around 25.77 Cr thereby hinting at a gap of around 1.23 Cr.

You may begin another monthly sip of 7 K now which may grow into a sum of around 1.3 Cr by 60 age.(10% return assumed)

If the mediclaim policy is from employer, do buy a personal health care cover after 50-55 for your family for post retirement needs.

I presume you both have adequate term life insurance cover apart from LIC policy.

The financial goal for your kid's education and family expansion, if any, is not factored here. You may need to plan for it suitably.

Also it appears that your allocation to equity is quite low, may be due to limited risk appetite but you have time on your side and although short to medium term(5-7 yr) equity asset class may be impacted due to volatility but over a long-term(10 yr+) they have demonstrated good inflation adjusted returns so may be you may consider to increase allocation through hybrid funds suiting your risk appetite.

Happy Investing;
X: @mars_invest

Milind Vadjikar |790 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 22, 2024Hindi

Money

Hi, I am 31. My Current salary is 16 LPA. I wanted to retire with 1 cr at 50 years. I don't have kids for now. Can you please help me.

Ans: Hello;

If you start a sip of 12 K now, in a flexicap type mutual fund and continue it till you reach 50 years of age, you may accumulate 1 Cr+ corpus, as desired.

You may select any fund from the top quartile in this category.

Ensure sufficient term life cover and adequate healthcare insurance for self and family.

Happy Investing;

Milind Vadjikar |790 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

Asked by Anonymous - Dec 23, 2024Hindi

Money

Railway se nikal diya gya hu kya mujhe mere nps ka paisa milega

Ans: Hello;

If your age is below 60 and you want to exit NPS then you will get only 20% of your corpus while rest 80% you will compulsorily have to buy an annuity.

If your corpus is 2.5 L or less then you can withdraw entire amount lumpsum.

Hope you have completed minimum 5 years of contributing to NPS.

Best wishes;

Ramalingam Kalirajan |7322 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

Question by DINESH - Dec 22, 2024Hindi

Money

Meri family ki income 80 lakhs hai yearly aur 40 lakhs expense hai aur age meri 48 hai capital family ki 4 cr hai to unko kaise manage aur kaha invest kare

Ans: Current Financial Snapshot
Annual Income: Rs 80 lakhs
Annual Expenses: Rs 40 lakhs
Capital Available: Rs 4 crores
Age: 48 years
Your income and existing capital provide a strong foundation. With proper planning, you can secure your financial future and achieve your goals.

Key Financial Goals
Retirement Planning: Build a corpus to sustain your post-retirement lifestyle.
Wealth Growth: Invest capital for inflation-beating returns.
Risk Management: Ensure adequate insurance coverage for family security.
Tax Efficiency: Optimise investments to reduce tax liabilities.
Suggested Investment Allocation
1. Emergency Fund
Maintain 6-12 months of expenses (Rs 20-40 lakhs) in liquid funds or a high-interest savings account.
This ensures liquidity for any unforeseen circumstances.
2. Equity Mutual Funds
Allocate 50-60% of your capital (around Rs 2-2.4 crores) to equity mutual funds.
Use diversified funds like large-cap, flexi-cap, and mid-cap funds for growth.
Avoid index funds due to lack of flexibility and active management.
Invest monthly through systematic investment plans (SIPs) for disciplined investing.
3. Debt Investments
Invest 20-25% of your capital (Rs 80 lakhs-1 crore) in debt mutual funds or fixed-income instruments.
Choose funds with low risk to ensure stability and predictable returns.
These funds act as a safety net during market downturns.
4. Children’s Education or Marriage
Allocate funds for long-term goals like education or marriage.
Invest in balanced advantage funds or equity mutual funds for higher returns.
5. Retirement Planning
At 48, focus on building a retirement corpus.
Allocate 20% of your capital (Rs 80 lakhs) to retirement-specific investments.
Use a mix of equity and debt for growth and safety.
Risk Management
Life Insurance
Ensure you have a term insurance cover of at least Rs 2-3 crore.
This protects your family’s financial future in your absence.
Health Insurance
Take a family floater health insurance plan of Rs 25-30 lakh.
Include critical illness coverage to address rising healthcare costs.
Tax Efficiency
Maximise Section 80C benefits by investing in ELSS mutual funds or PPF.
Use NPS for additional tax deductions under Section 80CCD.
Invest in tax-efficient instruments to reduce liabilities.
Regular Monitoring
Review your investments every six months with a Certified Financial Planner.
Rebalance your portfolio to align with market trends and life changes.
Final Insights
You have a strong financial base with high income and significant capital.

With disciplined investing, risk management, and tax efficiency, you can grow your wealth and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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