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22 Year Old with a B.Ed. and M.Sc. in Physics: What Are My Options?

Dr Dipankar Dutta |738 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Jan 08, 2025

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more

Asked by Anonymous - Jan 08, 2025Hindi

Career

Sir I am 22 years old after completing b.ed. now studying M.Sc(Physics). What are options for me ? Please guide me.

Ans: Many options are there
1. School Teaching or College/University Teaching
2. Ph.D. in Physics
3. Technical Roles in Core Industries
4. R&D Positions
5. Government and Competitive Exams

Career1Reply

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I am B.Sc. physics graduate. I want to get into applied field relevant to future. What should I do?

Ans: Considering your B.Sc. in Physics, you have various options to transition into applied fields relevant to the future. You can pursue a master's or online certification in areas like:

1. Data Science: Leverage your analytical skills in this rapidly growing field.
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Question by HibaFathima - Apr 16, 2024Hindi

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Ihave graduated bsc physics this year istill clearly dont know what i wanna do but idont have a passion for physics anymore but iam a person with good communication skills and innovative thoughts and creativity. Also i have management skills is there any science related management courses or ehat else should i take

Ans: Hi Hiba Fathima,

Life is a discovery... Education is not found in schools and college's but in the University of Life.. Maxim Emmanuel.

Now that you have realised your aptitude and ability.. Go and chase your dreams, there's nothing called another qualification, when you know it's all there with in you.

Go to careers in websites of organisations that need your PR profile.. apply ..you will be hired!

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Question by Food - Dec 26, 2024Hindi

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Hi sir I completed my graduation in science that is Physics chemistry maths and I am 24 now wt to do I don't no

Ans: Try for State PSC jobs for admin and at the same time go for an online MBA from a good university. Once the MBA is completed you will be a Master Degree holder and your Bio-Data will be enriched. But don't put yourself in the trap of UPSC for full time. Lakhs of career are devastated for 24 X 7 devotion, efforts and obsession for UPSC. Best of luck. Just follow me. May God Bless You. Professor..................:)

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Respected Sir, I am in the 2nd semester of MBA but I feel that I need detailed counselling for way ahead. Please guide accordingly.

Ans: Talk to students in the 2nd year of your college. They should guide you with respect to which area to focus on to build your career. You can also talk to the alumni. Check your college alumni directory and connect with your alumni in the industry you are interested. I am sure they would be glad to help. Also try and connect with your relatives and friends who are in the same industry to seek their guidance.

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I’ve been practicing with SNAP mocks, and my scores were always on the borderline. Now, with SNAP 2024 results about to be announced, I’m really nervous about qualifying for SIBM Pune. Could you tell me how Symbiosis evaluates borderline scores during the shortlisting process?

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Question by niraj - Jan 08, 2025Hindi

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i am 30 years and want to retire at 45 with 3 lakhs monthly income.my present mf corpus is 40 lakhs and xirr 13%. how much should be the corpus and for that how much monthly investment in mfs.??till 45 years of age.

Ans: Hello;

Current MF corpus(40 L) may grow into 2.19 Cr after 15 years.

You need a sum of 10.5 Cr to generate post-tax monthly income of 3 L.

So for generating balance corpus of 8.31 Cr you may start a flat monthly sip of 1.55 L or begin with a monthly sip of 1 L with 10% step up every year for 15 years.

12% modest return is assumed from a combination of pure equity mutual funds.

A 4% SWP from the corpus(10.5 Cr) invested in equity savings fund with low to moderate risk rating would be apt to generate desired monthly income after tax.

Happy Investing;

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

Question by niraj - Jan 08, 2025Hindi

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hi, my daughter is 35 with a mf corpus of 1 cr.she wants to retire at 45 with a monthly income of 3 lakhs.what should be her corpus at 45 for that and how much she should invest monthly for that till 45.

Ans: Hello;

She will need a corpus of 10.5 Cr to generate a post-tax monthly income of 3 L.

It is considered that she might invest corpus in a equity savings type mutual fund with "low to moderate" or "moderate" risk rating.

A 4% SWP will provide her income above 3 L(post-tax)and indexed to inflation.

A modest 8% return from the fund is considered. At 6% inflation this corpus will surely last her for 30 years and more.

The existing corpus of 1 Cr will grow into a sum of 3.41 Cr in 10 years.

For the balance 7.1 Cr, she may do a flat monthly sip of 3.1 L or begin with monthly sip of 1.8 L and step it up by 14% every year for 10 years to achieve 7.1 Cr target.( A modest return of 12% is considered from a combination of pure equity mutual funds).

Happy Investing;

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

Question by Rajat - Jan 07, 2025Hindi

Money

HI I AM 55 WITH 10 LAC IN FD AND 20 CR IN PROPERTY ONE DAUGHTER TO BE MARRIED MY MONTHLY EXPENSES ARE 2 LAC NO LOAN OR EMI IF I RETIRE IN 5 YEARS HOW MUCH MONEY SHOW I HAVE TO CONTINUE MY LIFE THE WAY IT IS IN NEXT 10 TO 15 YEARS

Ans: Hello;

You need a corpus of 6 Cr to be able to get post-tax monthly income of 2L+. (6% annuity rate considered from an immediate annuity offered by a life insurance company).

You may keep aside 50 L towards marriage expenses and another 20-25 L as emergency fund.

Best wishes;

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

Question by rama - Jan 08, 2025Hindi

Money

HOW TO START INVESTMENT WITH 10000 FOR FIRST TIME

Ans: Hello;

If your time horizon is 1-3 years you may invest in an equity savings type mutual fund with growth option.

You may use any of the online apps available for making this investment.

If you are not ready for mutual funds, a simple bank FD with any nationalised bank would be good to beginwith.

Happy Investing;

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

Question by jitendra - Jan 08, 2025Hindi

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I have invested in laura lab 3 years ago, still, today, it is not recovering why, when it will recover my, Purchase price, My, Purchase price is 680/

Ans: Hello;

When you are holding a portfolio of direct stocks, it is not possible that you will make profit in all of them.

As long as you are profitable at the portfolio level you should focus on reducing the losses and maximizing your gains.

Coming to Laurus Labs, I am not a chartist so won't be able to predict price movement but a basic research into the stock's financials and valuation does not give any comfort.

My view is, the earlier you exit it, the lesser will be your losses.

You may cross verify with a sebi registered research analyst.

Happy Investing;

Samraat Jadhav |2150 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 08, 2025

Asked by Anonymous - Jan 08, 2025Hindi

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Hi , I want to invest in a long term equity stock market with a goal of 25% monthly return on the fund invested , Which are the stocks which will grow at this rate and where should i invest the amount

Ans: there are no stocks in the world which will give you 25% monthly returns. I am sorry but you need to keep your goal realistic.
if your goal is 25% monthly then I would suggest you to stay away from markets as you may end up putting your hard earned money in some ponzi scheme and loose it.
The real goal should be anything between 12-14% yearly and if you need that over a long term (10-15yrs) then plz buy a bluchip mutual fund.

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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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