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Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on Feb 09, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more

Asked by Anonymous - Nov 13, 2023Hindi

Career

I am a 45 year old energetic and enthusiastic man, I was working overseas until 2020, Now I am not able to find the job of my discipline. I am a worried man, with lots of responsibilities over my shoulder. How can I overcome the worries and get in to my enthusiastic mode of working and earning well for my family and myself.

Ans: Dear

Please share details about your industry, education background, functional experience...that will help me to understand your situation better

All the best.

You may like to see similar questions and answers below

Kanchan Rai |447 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on May 26, 2024

Asked by Anonymous - May 26, 2024Hindi

Relationship

Hi to the life/relationship coach, I'm a 25yr old lady working in an MNC earning 24lpa. I'm from a lower middle class south indian family, my parents taught me value of money, i hardly spent on anything till my studies. Coming to my studies, i (I pushed myself too hard to achieve well but never felt negative in those years in life &came out of an NIT with ppo)studied from my 8th standard too hard without any distraction or other knowledge about life till I got job. Ever since i've started working(staying alone in a 1bhk and keeping myself occupied with home chores), i am not sure if it's because I'm living better compared to before without any money/time boundaries(I've got the freedom for everything yet feels lost) or it's bcoz my brain is exhausted, all I do is just work most of my day and rest of time, stay in traffic, i am feeling lost, not able to have any goals or look at life with positivity. my brain is feeling succumbed to daily job routine and not being enthusiastic about anything. (I do workout, meet friends, go to walks and temples , but nothing adventurous or too much out of my comfort zone. Anyway, nothings making me feel better(when I was studying, i did nothing but read, yet I was satisfied to go to sleep peacefully). My parents are telling me to get married so that I'll get better clarity with a partner beside me. But I'm not interested in relationship yet, want to resolve problems with myself first, may be will search for groom after an year or so. Please provide your advice to how to bring my enthusiasm which i lost after I got the job i m doing presently (the present job is a wonderful opportunity with lot of growth for me in career but I m working with half the productivity due to losing the interest in everything, but getting promoted on time till now, not sure how I long I can survive the corporate world without a purpose). I want to look at life positively in all aspects, but unable to due to feeling lost or having no goal. Should I try to remember my childhood interests before my 8th standard or should I try to find my interest in life from scratch? I've tried setting goals about health and career, but I m doing things like a robot but not enthusiastic. I might not get out of comfort zone if I keep going like this.

Ans: It sounds like you’re at a point where, after years of relentless focus on your studies and now your career, you’re experiencing a sense of aimlessness and burnout. This is not uncommon, especially for someone who has been driven by external goals for so long without taking much time for personal exploration and self-care.

Firstly, it’s important to acknowledge and appreciate the significant achievements you’ve made. Coming from a lower middle-class background and earning a position in an MNC with a substantial salary is no small feat. Recognizing this can help provide a sense of pride and accomplishment, which can be a foundation for building your next steps.

You mentioned that you feel like your brain is exhausted, which suggests that burnout might be a factor. Years of intense focus and hard work without much variety or relaxation can lead to this feeling. It’s essential to give yourself permission to rest and recuperate. This doesn’t just mean taking time off work, but also engaging in activities that truly relax and rejuvenate you.

Reflecting on your journey might help clarify why you’re feeling this way. During your studies, you had a clear goal and a structured path. Now, with more freedom and less immediate pressure, it’s natural to feel a bit lost. Your current routine seems monotonous and unfulfilling, which could be contributing to your sense of aimlessness.

Exploring your interests can be a fruitful way to reignite your enthusiasm for life. Think back to your childhood before the intense focus on studies began. What activities or hobbies did you enjoy? Revisiting these can help reconnect you with your passions. Alternatively, you might want to explore new interests. This could involve taking up a new hobby, joining clubs or groups, or even traveling. Stepping out of your comfort zone, even in small ways, can open up new perspectives and opportunities.

It’s commendable that you want to address your personal issues before considering a relationship. This self-awareness will serve you well. Setting personal goals can be helpful, but it’s important that these goals are meaningful to you and not just tasks to complete. Goals related to health, personal growth, or even learning new skills can provide a sense of purpose. However, ensure these goals are flexible and enjoyable, rather than adding more pressure to your life.

Your parents’ suggestion to get married might be well-intentioned, but it’s important to follow your own timeline. If you feel that taking more time to understand yourself will benefit you in the long run, then that’s a valid and important choice.

Lastly, professional support can be incredibly valuable. A therapist or life coach can provide you with strategies to manage your feelings of burnout and help you rediscover your enthusiasm. They can also assist in exploring your interests and setting meaningful goals.

In summary, taking time to rest, exploring your interests, setting meaningful goals, and possibly seeking professional support can help you navigate this phase of your life. By doing so, you can regain your sense of purpose and enthusiasm, leading to a more fulfilling and balanced life.

Anu Krishna |1413 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Question by Yuvraj - Oct 24, 2024Hindi

Relationship

Okay this is the first time, I am opening to some mind coach, glad to have your opinion, I am 24 now, and I have been working with a start up since last 3 years, As a male I have my big dreams, my passion and added a lot of responsibilities, thinking of which, I ain't satisfied with where I am currently, with the same I have even lost my motivation to work harder- falling into the trap of being comfortable with where I am, which I really don't like, I have multiple passions, I was a good music lover with singer and instruments, I was also into workout a keen interest and built muscles which are going down now, more onto it, I was into sketching and art, a really fine one, I am a short of traveller where I make videos for editing to show them to the world, but it didn't came out from my phone memory ever after I returned from any trip, matter of fact I didn't learn them, but I wanted to, but now tragically I have lost interest in all these passions, I am worried because I am being too comfortable with things, I desperately want to achieve milestones but don't wanna work for it. Sometimes it feels like this chaos in mind, it was far worse than adolescence, zest of everything I want to do miracles but won't move a muscle for it, I had doses of motivation and it doesn't work for me now.

Ans: Dear Yuvraj,
I do see a lot of youngsters jumping into the bandwagon of start-ups without realizing the twists and turns in it. It's not about churning the next best revolutionary idea but it comes with a mindset that understands perseverance, resilience and a lot of compromises. Now, maybe you already know that, but at a certain point, the demands go beyond all of this where a failure would mean to start all over again OR complete change of the idea and back to the drawing board OR a feeling that joining a start up was a wrong move, and all these can be frustrating.

Now, I do not have all that information, so I can assume that maybe you are just tired from all of it and seek a break. Not interested in your passions could mean that you are possibly tired. So, take a break from it all and actually figure out if the start-up scene is actually right for you. And there is nothing wrong in admitting that it isn't, right? At least you won't learn that a few years down the line and regret wasting time...

But if you come back from the break, feeling rejuvenated, then you know that you can get back into the start-up with renewed vigor. Either case, that break will give you some reflection time. During the break, connect with a mentor or a coach who can actually help you dig deep down and get to the bottom of this...Motivation is just a step away provided you do something to wake it up...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Latest Questions

Anu Krishna |1413 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi

Relationship

I live in a joint family with my brother and parents. I’ve been having a hard time managing my relationship with my bhabhi (sister-in-law). We live in the same house, and things have been tense lately. I’ve always tried to be polite and respectful, but there are constant little misunderstandings between us, and it’s starting to affect my peace of mind. We both want to keep things cordial for the family’s sake, but it feels like there’s always some tension whenever we interact. The problem is, I tend to get defensive whenever she says something I don’t agree with, and I know it’s only making things worse. I’m also trying to stay calm in front of everyone, but it’s hard not to let these small issues build up in my head. I really don’t want to keep feeling frustrated, but I don’t know how to change my approach. I love my brother and I want to improve the atmosphere at home and make sure I’m not letting these things affect me so much. Please help.

Ans: Dear Anonymous,
Joint family systems are filled with adventure and these things that you have brought up are part of that adventure.
Take things as they come and make sure you train yourself not to react...is this possible? YES, it is!
Let's say your Bhabhi accuses you of something, maybe your first reaction is to get defensive and explain or argue. Instead, what if you trained yourself to say: Okay, she's again accusing me of something; let's see what is the new thing that she has invented and let me have fun by simply listening.

This will ensure that your part of adventure gets playful and it will also enable you to respond rather than react. Now, does this happen overnight? NO, it requires a lot of mind training but start somewhere to get to someplace different.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1413 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

Question by LoneKnight - Dec 26, 2024Hindi

Relationship

Hi, I Am 26(M). I had an arranged marriage, my wife had a pre-marital affair which continued even after our engagement and for 9 months of marriage. According to my wife, she met him once and he wanted to have sex but my wife didn't do it. (The used to chat on Instagram). I found out today after 2 years of marriage. And we just had a baby. My wife asked me to use Instagram after we got engaged, but I refused because I was afraid it would have a bad effect on her. I don't even use it cause I know what can go wrong. When I caught her red-handed and saw the man's chats, I took her phone. And then I had read a little chat, then my wife came to me and said that she had to call our maid. I gave her the phone and she not only spoke on the phone but also deleted the chats with the guy. My eyes were closed when she spoke to maid on the phone. Cause I was so tired. Then I asked my wife to talk to him in front of me because I wanted to teach him a lesson and find his fiancée and tell her the truth. I'm very loyal to my wife. And she was my world. I've never had a girlfriend. I am open minded and I had asked my wife before the engagement, after the engagement on the phone and even after the marriage that if she had a past, I will accept it. My wife messaged him and he asked her talk on video call. The guy also knows that we have just had a baby who is not even 1 month old. I turned on the screen recording of the video call and gave it to my wife. In that screen recording, my wife texted the guy and told him to talk carefully cause I was sitting in front of her and then deleted the message with option of 'delete for you' on Instagram. This is how my wife cheated on me 2 times even after being caught. She told me that she loved me later on. And she took great care of me. She brought me out of depression. She did everything and I also loved her with all my heart and did everything for her. Right now she is saying I forgive her and she wants to live with me like before. She apologized a ton as well. But I don't know what to do at the moment. After so many lies, I can't trust her easily. She has a habit of lying in small things as well. I want to live with her, she was my support, my mother is not even there. when I was 12 years old... Now what do I do? Please kindly guide me!

Ans: Dear LoneKnight,
Yes, you feel like your trust has been broken. Is it easy to build back that trust? Yes and No...Yes, if you wish to...No, if you don't wish to...
If you go back in time and play the same story about how you wife was on Instagram and how she 'cheated' on you, there is no way that you can put your marriage back together.
How are you open-minded when an Instagram account causes you to fear what will happen? I can understand that you are a person with no past girlfriends but people do come with a past. Now, your wife could have shared her past with you, but most women seem to not want to for fear of reaction from the men like you have now. I can see that all this has hurt you, but if you want this marriage to work, you are going to have to drop all the past baggage, yours and your wife's and start afresh. Which means taking things for what it is NOW at face value without doubting it.
Can you do that? My suggestion would be: make an honest attempt at it. But warn yourself against going back in to the past otherwise there will be more mud throwing and no solution in sight.
Start new, Start afresh...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1413 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 28, 2024

Asked by Anonymous - Dec 25, 2024Hindi

Relationship

Hi Anu, Im a returning NRI post 20 years having lived abroad. Wasnt sure if I would ever have come on this platform but yes I have . I have been involved with a girl in India for the past 6 years , we both are in our end 40's shes 47 and i will be turning 50 next year. On my bi annual visits we have been meeting, getting physical and share almost everything. There was nothing hidden between us, frank discussions about life, menopause, family issues, support for each other and a lot of love flowing, gifts exhanged both ways , always there for each other and so on. For the past 5 years she was out of a job but now has started working again since the past 7 months or so. Happy for her. I made a decision to take early retirement and head back home , a purely personal choice and spend more time with her. Its just that now when im back and expressed my desire to visit her , i feel shes a bit hesitant, we stay in different cities. I was pretty stunned when I initially planned to see her around the christmas week but she cited follow up prayers for a close family member who had passed away a couple of years back and her unavailabilty. Moreso the dates I had proposed she was unsure of committing time during that period and I let it pass. I was pleasantly surprised and also hurt that during those specific days , shes taking off for a short vacation citing she needs to recharge. Not sure what I should make out of this. Our conversations since my return have been short, messaging not that frequent but overall i feel the thrill that used to be there earlier is missing from her end. I cant understand -:), all was good till a month back. Simply put I dont wanna confront her, its her life after all but just need some advise : is this normal hormonal changes or do u feel its something more and I shud let go. Yeah I know its gonna be difficult for me but some closure I need.

Ans: Dear Anonymous,
Your partner/lady seems to be one of those who is happy with a virtual relationship and all the perks in it. It gets easy as there is no commitment within that relationship; at least that's how it reads to me from your post.
It's possible that in her mind she must have thought that the long distance thing works better. Now that you are back, it's possible that you might ask her that the two of you move things further as in a COMMITMENT.
So, maybe you must initiate a conversation with her and be very clear as to what you want from her and the relationship. And also listen patiently to what she has to say. She may not want to pursue a commitment and this is something that you must prepare yourself to hear!
Is this all stemming from a hormonal change? Well, it's strange because a month back things were all good; so where were these hormonal changes back then? So, no...Do have that honest conversation and see where it goes...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Prof Suvasish Mukhopadhyay |263 Answers |Ask -Follow

Career Counsellor - Answered on Dec 28, 2024

Question by Food - Dec 26, 2024Hindi

Career

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..................:)

Prof Suvasish Mukhopadhyay |263 Answers |Ask -Follow

Career Counsellor - Answered on Dec 28, 2024

Question by Punit - Dec 25, 2024Hindi

Career

I am a college student . How I motivate my self to achieve goal .

Ans: To self-talk. Write your strong points and weak points in a paper and stress on them. Spend maximum energy for your strong points and try to develop efficiency for your weak points. Read the book HOW TO STUDY AND SUCCEEDE published by VIVA BOOKS of New Delhi. Best of luck. Just follow me. Professor..................:)

Prof Suvasish Mukhopadhyay |263 Answers |Ask -Follow

Career Counsellor - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi

Career

Hello,I have completed my graduation in Electronics and communication engineering this year 2024.Now I am confused of my career should I prepare for govt exam or do masters.

Ans: Govt. exam can be an option, but to get a Govt. job is tough. Whereas if you go for Masters then there is guarantee of the updating of your Bio-Data. But if you don't go for research or teaching there is no need of Master Degree. Better go for a job and pursue an online MBA from a good University. Best of luck. Just follow me. Professor..................:)

Prof Suvasish Mukhopadhyay |263 Answers |Ask -Follow

Career Counsellor - Answered on Dec 28, 2024

Asked by Anonymous - Nov 19, 2024Hindi

Career

I am a btech first year student of Anurag university. I want to learn AI and ML skills through online platforms but I can't invest much. Suggest me the platforms which will provide course as well as certification also. Iam cse(AI&ML) student

Ans: For certification you have to spend. Though for free certificate course you need to search in net.Best of luck. Just follow me. Professor..................:)

Ramalingam Kalirajan |7365 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 27, 2024Hindi

Money

Hi Team, I am 30 and have below SIPs. Please review them and let me know if i have to make any changes. Hdfc large & Mid cap fund - 5000 Motilal Oswal Mid cap fund - 5000 Kotak infrastructure and eco fund - 2000 PGIM India Mid Cap Opportunities Fund- 5000 SBI Contra -1500 Motila Oswal business cycle fund-3000 Focus is to continue SIP for longterm

Ans: Your portfolio reflects a proactive approach to wealth creation. Each fund serves a distinct purpose. Let's assess and optimise your investments for long-term growth.

Strengths of Your Current Portfolio
Diverse Investment Strategy: Your funds cover multiple segments like large-cap, mid-cap, and thematic investments.

Long-Term Focus: A consistent SIP approach aligns with compounding benefits and market cycles.

Mid-Cap Exposure: Allocating significant SIPs to mid-cap funds positions your portfolio for growth.

Inclusion of Thematic Funds: Thematic funds add sectoral focus, offering opportunities in specific growth areas.

Areas for Improvement
Concentration in Mid-Cap Funds: A high allocation to mid-cap funds can increase volatility. Diversification is key.

Overlapping Thematic Focus: Funds with sectoral or cyclical focus may overlap in strategy.

Balance Between Growth and Stability: Adding more stability-focused funds can protect the portfolio in downturns.

Fund-Specific Observations
Large and Mid-Cap Fund
This fund balances growth and stability.

Retain this allocation for consistent returns and risk management.

Mid-Cap Funds
Significant allocation to mid-cap funds is growth-oriented.

Review performance and overlap to avoid redundancy.

Consider reallocating some amount to flexi-cap funds for diversification.

Thematic Infrastructure Fund
Sector-focused funds can be volatile and dependent on market cycles.

Limit thematic exposure to 10% of your overall portfolio.

Monitor this fund closely to ensure it aligns with your goals.

Contra and Business Cycle Funds
Both funds are contrarian and cyclical in nature.

Overlapping strategies may lead to concentration risk.

Retain one fund and reallocate the other to a balanced or flexi-cap fund.

Recommendations for Portfolio Optimisation
Enhance Diversification
Add a balanced allocation to large-cap or flexi-cap funds for stability.

Diversification reduces risk and enhances long-term returns.

Monitor and Evaluate Performance
Regularly review fund performance to ensure alignment with goals.

Replace underperforming funds without hesitation.

Adjust Thematic and Sectoral Exposure
Limit thematic funds to a smaller portion of your portfolio.

Sector-focused funds are cyclical and require active monitoring.

Tax-Efficiency
Long-term equity fund gains above Rs. 1.25 lakh attract 12.5% tax.

Short-term gains attract a 20% tax.

Consider tax efficiency while planning redemptions.

Importance of Regular Funds
Direct funds lack personalised guidance and portfolio tracking.

Investing through a Certified Financial Planner ensures regular reviews and professional advice.

Regular funds offer value-added services and align with long-term goals.

Final Insights
Your portfolio is well-structured for long-term growth but needs refinement.

Reduce concentration in mid-cap and thematic funds for better risk management.

Increase exposure to diversified and balanced funds for stability.

Seek professional guidance to optimise performance and adapt to market trends.

Your disciplined SIP approach will reward you over time. Stay consistent and review periodically.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7365 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 28, 2024

Asked by Anonymous - Dec 28, 2024Hindi

Money

Hello, Sir. I am a 41-year-old male with a 9-year-old son and a housewife. I need advise on how to undertake financial planning because I want to retire early, perhaps at age 48-50. I am currently outside of India and have 2.5 crore in NRE FDs, roughly 60 lakhs in Mutual Funds, 8 lakhs in share market, and 8 lakhs in PF. I have floater health insurance for 15 lakhs. Some LIC's for roughly 5 lakhs. I have one rented flat that pays 12,000 per month and an ancestor property that pays 20,000. In the next 3-6 months, I plan to buy a one-crore flat and return to India permanently in the following few months.I plan to buy a one-crore flat in the next 3-6 months, return to India permanently in the next 1-2 months, and work for an IT company with an annual income of approximately 25-35 lacs. I know I lost the opportunity to invest some money during/after the covid time; else, I would have had a somewhat better portfolio. I need your advice on how to properly invest my FD's money.

Ans: Planning for early retirement requires careful analysis and structured execution. Your current financial situation reflects a strong foundation. Let’s optimise your resources to achieve your goals.

Assessing Current Financial Standing
Your assets are well-distributed across various instruments:

Rs. 2.5 crore in NRE FDs
Rs. 60 lakhs in Mutual Funds
Rs. 8 lakhs in shares
Rs. 8 lakhs in PF
Floater health insurance for Rs. 15 lakhs
Rs. 12,000 rental income from one flat
Rs. 20,000 rental income from ancestral property
LIC policies worth Rs. 5 lakhs
This portfolio indicates a mix of liquidity, growth, and stability.

Setting Clear Retirement Goals
Define retirement income needs based on desired lifestyle. Early retirement at 48-50 means funding 30-40 years of expenses.

Factor in inflation, medical needs, child’s education, and your family’s future financial security.

Challenges to Address
High allocation to fixed deposits (FDs), which have low returns post-tax.
Underutilisation of mutual funds and equity investments.
Managing new property purchase without compromising retirement corpus.
Optimising Your Investments
Fixed Deposits
Move a significant portion of FD funds to growth-oriented investments.
Retain only a portion for emergencies or short-term needs.
Mutual Funds
Increase allocation to diversified mutual funds.
Focus on a mix of large-cap, mid-cap, and flexi-cap funds for growth.
Use regular plans through a Certified Financial Planner for personalised advice and portfolio tracking.
Share Market Investments
Rs. 8 lakhs in shares needs a review. Assess performance and risks.
Shift underperforming or speculative stocks to diversified equity funds.
Provident Fund
PF provides stability. Let it compound till retirement for assured returns.
LIC Policies
Evaluate LIC policies. Surrender low-yield policies and redirect funds to mutual funds.
Ensure sufficient life insurance coverage through term plans.
Managing Real Estate Investments
Your plan to purchase a flat for Rs. 1 crore is prudent. However:

Avoid using FD funds entirely for this purchase.
Opt for a small loan if needed, keeping EMIs manageable.
Leverage rental income from this property to supplement post-retirement income.
Health and Life Insurance
Your Rs. 15 lakh health insurance is adequate for now.
Increase coverage to Rs. 25-30 lakhs upon returning to India.
Secure a term insurance policy with sufficient coverage to protect your family.
Tax Efficiency
Post-return to India, your NRE FDs will lose tax exemptions.

Redirect funds to tax-efficient instruments like equity mutual funds and debt funds.
Long-term capital gains on equity funds are taxed favourably.
Child’s Education and Family’s Security
Allocate a dedicated corpus for your son’s higher education.
A mix of equity and balanced funds will help achieve this goal.
Emergency Fund
Set aside Rs. 15-20 lakhs as a liquid emergency fund.
Use liquid mutual funds or short-term debt funds for easy access.
Regular Monitoring and Review
Review your portfolio every 6-12 months with a Certified Financial Planner.
Adjust allocations based on market trends, personal goals, and economic changes.
Final Insights
Your financial foundation is solid. With strategic changes, you can retire early with confidence.

Diversify investments, optimise tax efficiency, and plan systematically for your goals. Stay disciplined and avoid speculative ventures.

Your foresight in seeking advice ensures a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Dr Dipankar Dutta |730 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 27, 2024

Question by Tilak - Dec 20, 2024

Career

Is it better to study theck cse from medium grad comdekd college vs 3rd tier govt engineering college?

Ans: If your primary goal is a strong foundation in CSE with good placement opportunities in IT/software, a medium-grade COMEDK college might be better.
If cost, government recognition, or flexibility for other engineering fields or higher studies is more important, go for the Tier-3 government college.

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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