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Shekhar

Shekhar Kumar  | Answer  |Ask -

Leadership, HR Expert - Answered on Apr 29, 2024

Shekhar Kumar is senior manager, talent acquisition, at the Shri Venkateshwara University in Gajraula, Uttar Pradesh. He has 18 years of expertise in the search and placement of executive leadership talent across various industries.
He has also mentored middle and senior management professionals for leadership positions and guided them in career development.
Shekhar has a bachelor's degree in business management from Magadh University, Bihar, and a master's degree in human resource management from Annamalai University, Tamil Nadu.... more
Asked by Anonymous - Apr 28, 2024Hindi
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Career

I am 40 years old, working in IT industry, I lost my job since past year, I am still not able to get new job... I am faling to pay my monthly bills and EMI's Please suggest me how I can secure new job???

Ans: I'm sorry to hear about your situation. Here are some steps you can take to improve your chances of securing a new job: Explore temporary or freelance opportunities to generate income while you continue searching for a permanent job. Freelancing platforms and websites offer opportunities for short-term projects in IT and related fields. Identify any skills gaps or areas for improvement that may be hindering your job search. Take online courses, workshops, or certification programs to update your skills and stay current with industry trends and technologies. Tailor your resume to highlight your most relevant skills, experiences, and achievements. Update your LinkedIn profile with a professional photo, a comprehensive work history, and relevant keywords to make it easier for recruiters to find you. Don't limit yourself to one job search method. Explore multiple channels, such as online job boards, company websites, recruitment agencies, networking events, and social media platforms. Consider reaching out to former colleagues, classmates, and professional contacts for job leads and referrals. Attend industry events, meetups, webinars, and networking groups to connect with professionals in your field. Join online communities, forums, and LinkedIn groups related to your industry or job function to expand your network and learn about job opportunities. Job searching can be challenging, especially during difficult times. Stay positive, maintain a routine, and focus on activities that boost your confidence and well-being. Set realistic goals and deadlines for your job search, and celebrate small victories along the way to stay motivated.

Remember that job searching takes time and persistence, so don't get discouraged if you don't see immediate results. Keep refining your approach, leveraging your network, and staying proactive in your job search efforts. With perseverance and determination, you'll increase your chances of securing a new job that meets your needs and goals.
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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 20, 2024

Asked by Anonymous - Jun 27, 2024Hindi
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Money
Hi, I am a 31 year married woman. I have outstanding of around 1 lac from 2 credit cards. Also, I have a car EMI every month to pay. The problem is, I have recently lost my job. Actively applying for the jobs but no luck. I have EMI and CC dues to clear. Please advise how to plan.
Ans: I'm sorry to hear about your job situation. Managing finances during such a time can be challenging, but with a strategic approach, you can navigate through it.

Immediate Steps to Manage Debt and Expenses
1. Prioritize Payments
Focus on Credit Card Debt: Credit card debt often carries high interest rates. Prioritize paying off at least the minimum due to avoid penalties. If possible, pay more than the minimum to reduce the outstanding balance faster.
Car EMI: Contact your lender to discuss the situation. Some banks may offer temporary relief, like a moratorium or reduced EMI, until you secure a new job.
2. Emergency Fund Utilization
Use Savings Wisely: If you have any savings, use them to cover essential expenses like EMIs, rent, and groceries. Prioritize your payments based on their importance and the interest rates associated with them.
3. Cut Down on Non-Essential Expenses
Trim the Budget: Review your monthly expenses and cut down on non-essential items. Every saved rupee can help you manage your debts and maintain cash flow during this period.
Exploring Income Sources
1. Seek Temporary or Freelance Work
Freelancing or Part-Time Jobs: While searching for a permanent job, consider temporary or freelance work in your field. Even short-term projects can help generate income to cover immediate expenses.
Leverage Skills: If you have any marketable skills or hobbies, consider monetizing them. For example, tutoring, writing, or any side gig can provide some income.
2. Utilize Family Support
Communicate with Spouse: Discuss the financial situation openly with your spouse. They might be able to contribute more towards household expenses temporarily.
Family Assistance: If needed, consider seeking temporary financial help from close family members to manage your EMIs and dues.
Managing Credit Card Debt
1. Consolidate Debt
Balance Transfer: If one of your credit cards offers a lower interest rate or a balance transfer option, consider transferring your high-interest debt to that card. This could reduce the interest burden.
Debt Consolidation Loan: If possible, consider taking a personal loan with a lower interest rate to consolidate your credit card debt. This would allow you to have one EMI with potentially lower interest.
2. Negotiate with Credit Card Issuers
Discuss Payment Plans: Reach out to your credit card issuers and explain your situation. Some banks may offer hardship programs, reduced interest rates, or an EMI option on the outstanding balance.
Protecting Your Financial Future
1. Avoid Accumulating More Debt
Minimize Credit Usage: Until you stabilize your financial situation, avoid using credit cards for purchases. Focus on living within your means and sticking to a cash-based budget.
Pause Non-Essential Spending: Delay any non-essential purchases, such as luxury items or vacations, until your financial situation improves.
2. Keep Job Searching
Persistent Job Applications: Continue applying for jobs and networking within your industry. Use online job portals, LinkedIn, and industry contacts to increase your chances of finding a new position.
Skill Enhancement: Consider using this time to upskill or take online courses to increase your employability. This could open up new job opportunities.
Final Insights
In this challenging period, focus on reducing your debt, managing your expenses, and seeking alternative income sources. By staying disciplined with your finances and persistent in your job search, you'll be able to navigate through this difficult time and emerge stronger.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2025

Money
Sir I am 45 years old female, i have 12 years of IT recruitment job, I lost my job week before, I have dept of 8 lakhs, 43k as a monthly emi I pay, I got salary of 55k ,now I don't have job how will I come out of this debt? Not getting job also as 9 have experience Nd not required qualifications, Kindly advice
Ans: You have worked for 12 years in IT recruitment.

You have no job now and Rs. 8 lakh in debt.

You used to earn Rs. 55,000 and paid Rs. 43,000 as EMI.

You are not getting a new job because of qualification issues.

This is a tough phase, but it is not permanent.

Your experience is valuable and still has power.

Let us make a step-by-step plan to recover financially.

Step 1: Address Debt Pressure

EMI of Rs. 43,000 without income is not sustainable.

You must act immediately to avoid default.

Speak to each lender openly and honestly.

Ask for EMI moratorium or restructuring plan.

Request extension of tenure or reduce EMI temporarily.

Combine multiple loans into one personal loan, if possible.

Avoid borrowing more to repay old loans.

Do not fall into debt traps with new apps or money lenders.

Step 2: Look for Quick Temporary Income

Don’t wait for a perfect job to come.

Start looking for any income first.

Start freelancing in recruitment if possible.

Offer resume writing, LinkedIn profile fixing, or mock interviews.

Approach startups or small companies that need short-term recruiters.

Use portals like Internshala, Upwork, Freelancer.

Consider home tuitions, part-time work, or admin support jobs.

Reach out to old clients, ex-colleagues, or HR networks.

Try voice-based remote jobs or back-end remote work.

Step 3: Upskill for Immediate Employability

If qualification is the hurdle, solve it smartly.

Join short-term online certifications related to HR or recruitment.

Use free/low-cost platforms like Coursera, Udemy, Swayam.

Specialise in technical hiring, international hiring, or compliance.

Learn tools like ATS, Excel automation, LinkedIn recruiter.

Build your online presence. Share job openings on LinkedIn.

Consider virtual internships for 1–2 months if needed.

Add those to resume to show current skill usage.

Step 4: Analyse and Cut All Expenses

When income stops, expenses must come down too.

Prioritise food, medicine, rent, electricity, mobile.

Stop spending on dining, OTT, shopping, subscriptions.

Do not buy gadgets, furniture or upgrade anything now.

Check if you are eligible for any government subsidy.

Ask for help from family if needed—only for essentials.

Sell unused items online if urgent money is needed.

Step 5: Emergency Help and Community Support

Help is available if you look in the right places.

Check if any NGOs, women's organisations or church/temple trusts offer support.

Join WhatsApp/Telegram job groups in your area.

Some communities offer grocery kits or job referrals.

Visit local employment exchange or women's welfare offices.

Some companies hire experienced women on contract roles.

Step 6: Mental Health and Self-Belief

This is a hard phase. But it will pass.

Don’t keep everything inside. Talk to someone you trust.

Write your plan on paper. Take control mentally.

Avoid negative news, negative people, negative thoughts.

Take care of your health. Sleep on time. Eat healthy.

Set daily small goals and tick them off.

Step 7: Long-Term Reset and Financial Planning

Once income restarts, begin fresh planning.

Build emergency fund slowly. At least 3 months of income.

Use MFs only through regular plans with Certified Financial Planner.

Do not invest in real estate now. Liquidity is more important.

Avoid ULIPs and traditional insurance policies. They are not suitable.

Stay away from stock trading or risky options.

Plan all EMI, SIP, and insurance only after basic savings are stable.

Never keep more than 30% of income for total EMI.

Step 8: Learn From This Phase

This hardship can become your strength.

You now know the value of savings and backup income.

You have learned whom to trust and what to avoid.

You will make better money decisions once you recover.

Finally

You are not alone in this struggle.

Many people go through such phases in life.

What matters is action, not worry.

Small steps daily will help you win again.

Believe in your experience. Keep learning and applying.

Keep asking. Keep trying. Keep going.

Better days will surely return.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

Latest Questions
Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

...Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

...Read more

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