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Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Mar 26, 2023

Mayank Rautela is the group chief human resources officer at Apollo Hospitals.
A management graduate from the Symbiosis Institute of Management Studies with a master's degree in labour laws from Pune University, Rautela has over 20 years of experience in general management, strategic human resources, global mergers and integrations and change management.... more

Question by Nitin on Mar 25, 2023Hindi

Career

I am 43 doing business in medical and i have done diploma in pharmacy want to switch to data science and do job

Ans: You can do that by doing some specific courses in data science. It will be challenging as you will compete with fresh graduates who will be highly skilled

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R P Yadav | Answer |Ask -Follow

HR, Workspace Expert - Answered on Jul 03, 2023

Asked by Anonymous - Jun 05, 2023Hindi

Career

I am 50+ year old, started my career as programmer in 1994, and progressed from there to software engg., sr. software engineer, project manager and now along with this doing practicing in data science and machine learning. and now looking for change to data science field in mnc company or abroad job etc. please suggest the right way to achieve such.

Ans: Hi,
As you are already 50 and have an experience of almost 30 years in Programming, I would suggest to stick to the old field where you have gained expertise.

Nayagam P P |10882 Answers |Ask -Follow

Career Counsellor - Answered on Jul 04, 2024

Question by vivek - Jul 04, 2024Hindi

Career

Hello sir I had seen giving you some wonderful career advice to so many people here Please also suggest me as I want to purse career in data science. which institution should I go for ? I am confused as there are so many institute not sure which one is authentic that can provide me job I have 10 ex years of experience but jobless from last 6 months

Ans: Vivek, You have 10 years of experience in what? You plan 'Career Transition'? What motivated you to pursue Data Science? Lot of Colleges / Institutes provide programs in Data Science (as you have mentioned) including some IITs for working professionals. Depends upon you want to join part-time / full-time / weekend / online courses / affordability of fees? If you are based in any Metro City, you can easily find a best Institute which provides Job Guarantee. Spend a day or two to thoroughly Research about the College / Job Placement Guarantee & even personality visiting the Colleges / Institutes will further help you, find out a best solution. However, please note, as you will be considered a s a Fresher after completing the course, you can't expect much salary initially and will need a lot of patience and gain experience. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Nayagam P P |10882 Answers |Ask -Follow

Career Counsellor - Answered on Aug 24, 2024

Question by Vicky - Aug 22, 2024Hindi

Career

I am 35 years old.i have done BCA in 2009 then i started my 1st job in 2010 as a data entry operator after that in 2012 to 2017 i did work as a store assistant,then i prepared for civil service examination for government job and i didn't get select. Now i am jobless since july 2023. I want to know that I have interest in Data scientist "So can i start any genuine course for data science and start the career in data science " please give the answer. Thank you

Ans: Vicky, You have not mentioned you are from which State/City.

Anyway, to begin with, please search for any 'Software Training & Placement Institutes' either in your location or nearby city. To get an idea about this type of Institute, visit the website of 'Besant Technologies'. They provide comprehensive range of courses to not only fresh graduates but also to others regardless of other background/graduation year.

Some of the institutes provide job assistance and even give job guarantee (based on your performance during training/interview).

Please check and go through the above Institute's Website (as an example) and search for same type of Institutes, personally visit some institutes (especially those which assures job), choose the right course for you and join.

As far as Data Science is concerned, this type of Institute also provided the same.

All the BEST for Your Bright Future, Vicky.

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Radheshyam Zanwar |6780 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 25, 2024

Asked by Anonymous - Sep 22, 2024Hindi

Career

Good afternoon sir I'm completed BSC (Mpcs) so next Msc data science good choice for me

Ans: Hello.

Pursuing an M.Sc. in Data Science after completing a B.Sc. (MPCS) is a good choice. It aligns well with your background in Mathematics, Physics, and Computer Science, providing a solid foundation for data analysis, machine learning, and advanced computational techniques.
You can join online courses like Coursera's Data Science Specialization by Johns Hopkins or Python for Data Science on edX.

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

Radheshyam

Prof Suvasish Mukhopadhyay | Answer |Ask -Follow

Career Counsellor - Answered on Dec 18, 2024

Asked by Anonymous - Nov 15, 2024Hindi

Career

Hi iam 33 year old want to start career in data analysis

Ans: Yes, you can. But before that learn about it from net and YOU TUBE and practise it for three months. Then go for a good certificate course which is having collaboration with a reputed IIT. Best of luck. Just follow me. May God Bless You. Professor......................................:)

Latest Questions

Samraat Jadhav |2542 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 19, 2026Hindi

Money

i invested 18L own money and 6 Lakhs from MTF borrowing in Oct'22 to Oct'23 periods, now 24 Lakhs become 14 Lakhs, 10 Lakhs down, Alklyamine 98 @ 3300, relaxo 135@1083, PVRINOX 87@1865, tatainvest 250@1120,vstindustries 484@429,suntv 160@836,concor 250@860,clean 19@2060,bajajauto 14@11935,AWL 357@432,ATGL 20@1030,ADANIGREEN 20@1975,ADANIENT39@3390,ADANENSOL50@1324,ACC52@2600,COCHINSHIP10@2650,DATAPATTERN 10@3186,GRSE19@2975,MAZDOCK10 @3500,HONDAPOWER 10@4000,TATAELXSI17@7320,VBL30@660,BHARATFORG20@1740. GUILTY TO OVERRIDE WIFE SUGGESTION TO BUY JEWELS FOR DAUGHTER'S 3 YEARS AGO WHEN PF AMOUNT WITHDRAWN 13L, NOW THIS ALSO LOSS AND JEWEL ALSO 2.5 TIMES HIGHER THAN THAT TIME. WRONG DECISION. PLS CORRECT & SUGGEST. AGE 51

Ans: I would suggest you approach a SEBI Registered Investment Adviser nearby you and discuss the full story with your financial details and he/she would be the right person to guide you after analyzing all your requirements. You can find your nearest adviser from this link of SEBI - https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Samraat Jadhav |2542 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 19, 2026Hindi

Money

I applied for an IPO on the War-Burg platform for Avana Electrosystems and got an allocation far above my funds available . Now the system will not allow me to close my position . What should I do ?

Ans: this is a scam

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

SIP of 2000 long term 10+ years. What type of schemes would you suggest (e.g. large, flexi etc.) and how.much allocation to each type would be best. I am in my 40s and this is my first exposure to MFs.

Ans: Hi,

As this is your 1st time exposure, better to connect with a professional.

Connect with a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

Hello sir/maam, I have a health insure for myself of hdfc ergo of 10lakh cover. Now i am married this year thus should i take another insurance for my wife or include her within mine. We both are working and i want to be secure such that in case claim we do kot face any issue incase in future we have any health emergency.

Ans: Hi,

You can include her name in your policy and increase the sum insured to 20 lakhs. Your overall premium will increase but it is required considering higher medical costs these days.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 17, 2026Hindi

Money

At51 years, can I start ppf account?

Ans: Hi,

Yes you can but not recommended. Instead increase contribution to your PF under VPF.
PPf comes with minimum 15 years lock-in, you will not have access to PPF funds till age of 65. Better to go for an alternative.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Surander - Jan 17, 2026Hindi

Money

Hi Sir, If performance of the some MF is not as per the market how to swich another performing MF. Question is shall i start SWP on Poor Performing F or Exit in one go .

Ans: Hi Surandar,

Investing like this will never work in your favor and instead give you losses along with tax liabilities.
If you do not know about Mutual funds, connect with a professional to start.
Expecting your funds to double overnight is not done here. Mutual funds are for long term and need a lot of patience.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Ram - Nov 18, 2025Hindi

Money

Hi, I worked in STL from year 1997 to 2005 . As at time the concept of UAN was not there I couldn't find any trace of my PF and Pension contribution in EPFO portal.Also that company is closed long back I am not able to create New UAN . After 2005,I worked in number of companies and retired in 2024.My last company from where I retired is an exempted company where I transferred my all PF after 2005. I visited in local epfo office in Kolkata regarding my pf/eps withdrawal/transfer to my latest company from where I retired last year, local pf office of Kolkata not able to see my pf balance of my First company STL,due to pf not connected to UAN, what should be done right now STL had deposited PF amount in Bandra Mumbai office.

Ans: Hi Ram,

Here is what you can do:
1. Locate your old salary slips from STL and try to find the PF number.
2. As the company doesn't exist now, your old PF must have become 'inoperative'
3. Visit Bandra, Mumbai EPFO Office yourself along with your details and request them to trace your old account (should know your PF number from salary slips beforehand).
4. Or connect with EPFO online under 'Inoperative helpdesk' to know what can be done by you.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Rimpa - Jan 04, 2026Hindi

Money

I want to invest in Mutual fund my monthly SIP is 1700 please make me a PORTFOLIO where i can get high return i want to invest for long time + i want to invest in Gold fund but not from the 1700 sip it will be my another individual SIP.

Ans: Hi Rimpa,

Start your SIP of 1700 under Kotak Multicap fund for long term.
If you wish to start gold investment, buy gold ETFs online or choose a gold mutual fund.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Question by Chidambaram - Jan 02, 2026Hindi

Money

Dear Sir, I'm 53 yrs old now, i would like to know, in SBI Life Policies, at present, what are the best beneficial wealth policies as well as with Sudden Death Protection, which suits my age and income source salary is 10L /Annum.. thanks, from Chennai (02nd Jan 2026)

Ans: Hi Chidambaram,

Please connect with SBI Bank professionals to get such wealth policy. I am a CFP and suggest only mutual funds investment along with comprehensive financial planning.
I do not recommend any such policies to anyone.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |500 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 18, 2026Hindi

Money

I am 42, I have two daughters 17 and 13. Me and my wife earn 5L per month currently. We do not know when we will stop being as productive as this We currently have the following portfolio 1. 1.2cr PF 2. 17L PPF 3. 40L MF 4. Real estate (3 flats in city and 5 acres in hometown) 4cr 5. Liquid 1 cr Upcoming life events 1. Kids college 2. Kids marriage After these between me and wife we need atleast 1L per month to live. I want to continue to work for 10 more years and my wife will work for 5 more. Can I retire early?

Ans: Hi,

You two are earning well and have accumulated a lot at such young age. Let us analyse in detail:
- Liquid - 1 crore >> this can take care of the immediate requirement for your kid's higher education.
- Your current investments in PF, PPF and MF - can be considered a portion for your retired life.
- Land and Flats worth 4 crores - can liquidate worth half value to keep it aside for your kids marriage.
- Save aggressively in equity and balanced mutual funds till the time you guys are working. Investing as small as 2 lakhs per month for next 10 years can grow your MF corpus from 40 lakhs to 6 crores.
This along with your PF is more than sufficient for the two of you to retire at your respective paces.

Make sure that the current MF investment along with planned SIP of 2 lakhs monthly is done under professional supervision. Any wrong investment can lower returns and create a negative impact.

Summary - You are on the right path. Start investing aggressively for next 10 years and consider liquidating 50% of your real estate assets to fulfil kids education and marriage.

And also consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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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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