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Krishna

Krishna Kumar  |260 Answers  |Ask -

Workplace Expert - Answered on Feb 01, 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
Mohan Question by Mohan on Oct 05, 2023Hindi
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Career

I am 55 and long years of experience as a stenographer. Is it possible to switch over my career to content writer ? Where will I get training. Kindly enlighten me. Mohan

Ans: Dear Mr.Mohan

They say where there is a will there is a way.

Internet is the best place to learn about the skills and the courses that you can take to become content writer.

Best wishes.
Career

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R P

R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Mar 12, 2024

Asked by Anonymous - Mar 11, 2024Hindi
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I am interested in doing content writing. I am in my middle age but want to pursue something on my own. Please suggest and help
Ans: Certainly! Content writing is a rewarding field, and it’s never too late to start. Here are some steps and tips to help you embark on your content writing journey:

Read, Read, Read:
Immerse yourself in various types of content. Read articles, blogs, and books across different genres and styles. Pay attention to writing techniques, tone, and structure. Reading helps you learn and stay inspired.
Know What You Want to Write:
Define your interests and niche. What topics resonate with you? Are you passionate about travel, health, technology, or lifestyle? Knowing your focus will guide your content creation.
Write, Write, Write:
Practice is key! Start writing regularly. It’s okay if your initial drafts aren’t perfect. The more you write, the better you’ll become. Experiment with different formats like blog posts, social media content, or product descriptions.
Keep Tone, Voice, and Perspective Consistent:
Develop a consistent writing style. Consider whether you want to sound formal, conversational, or authoritative. Your tone and voice should align with your target audience.
Care About Keywords:
If you’re writing for the web, understanding basic SEO (search engine optimization) is crucial. Research relevant keywords and incorporate them naturally into your content.
Don’t Care Too Much About Keywords:
While keywords matter, don’t sacrifice readability for SEO. Focus on creating valuable content that engages readers. Quality always trumps keyword stuffing.
When In Doubt, Add More Formatting:
Break up long paragraphs, use subheadings, bullet points, and images. Formatting makes your content visually appealing and easier to digest.
Strive to One-Up the Competition:
Research what others are writing about in your niche. Find gaps or areas where you can provide unique insights or a fresh perspective.
Don’t Be Afraid of Tools:
Use tools like grammar checkers, plagiarism detectors, and content management systems. They enhance your writing process and improve quality.
Finish With a Proofread:
Before publishing, proofread your content meticulously. Correct grammar, spelling, and punctuation errors. A polished piece reflects professionalism.
Develop a Style:
Over time, you’ll develop your own writing style. Be authentic, and let your personality shine through your words.
Remember, experience is your best teacher. Start writing, explore different topics, and enjoy the creative process. Best of luck on your content writing journey

..Read more

Archana

Archana Deshpande  |25 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 18, 2024

Asked by Anonymous - Apr 05, 2024Hindi
Career
Hi , I wish to “Write in English” as a Profession , as that happens to be one of my core competency . It gives me a lot of soulful satisfaction & propels me to continue writing further . My Drafting & command over English Writing has been my primary strength right from my schooling days but I committed the mistake of not choosing it as a career . Hence , Post doing my B.E. & M.B.A. , I worked in decent Corporates for 16 Years but went on to quit the last Job in 2021 as I felt stagnant & monotonous doing what I was into . I was immensely appreciated for my e-mail drafts & Write-ups in all the Organisations I worked in but that had no weightage in my KRA . I did pretty well in my professional career with the exception of the last couple of months wherein I felt a bit lost & as a result , was not enjoying my work . I am into my 44th Year & now convinced to follow my dream professionally ( i.e Writing & penning down what comes my way) but am somewhat clueless how to move ahead . I am not there for the in-vogue content writing stuffs , online blogs etc. but want to write on something substantial or small interesting / soothing write-ups that interests a major chunk of the readers . Kindly help me with all the specific / possible options wherein I can directly target , that would probably yield me results ASAP . Please give detailed info with the probable sources to explore-in , as generic one-liners may not help , as I am blank on whom to approach . Looking forward to your much value added counselling & the probable avenues that may break the ice for me . Thanks & Regards !!! Pls. Keep up with the Good-Work you guys are doing with this Q&A Consultancy Guided Section .
Ans: HI!!
The way you have stated your needs so clearly shows that you have good writing skills, so no doubts about your writing skills.

In the message you mentioned that you quit your job in 2021 and yet you say you are not enjoying work since the last couple of months. A little confusion there for me, I am assuming you are still working. You also mention that you did pretty well professionally, this shows a mind that can work well even when it not totally into the work heart and soul. Try to find positive reasons around your work.
You are 44 you said, at this age we all are at loggerheads with what we studied, what we are doing for a living and what we are passionate about! I have been there..

I need to say a little about myself in order to answer your question. I am an Engineer too, today I am Image Consultant and a Soft Skills Trainer. I used to work with one of the top telecom companies, my Mentor there used to say an Engineer can do anything and me and you are proving that. You are a BE, MBA and you have exceptional writing skills.

As a public speaking skills coach I used to write speeches for clients and help them deliver with panache. One of my long standing clients said no to the classes after I increased the fees. Where did she get her strength from to say no?....AI and Chatgpt, even though she always said it doesn't have the AD (Archana Deshpande) effect!! Why I am mentioning such a personal incident is to help you understand the scenario today.
You want to write good stuff and earn money too, rt? You don't want that typical content writer kind of jobs... so what I suggest is that since a BE MBA is a deadly combo and you are an intelligent man, pls continue to use these to earn money. I want you to google, "platforms for writers to make money" and check all your options, for sometime write and publish on various platforms, send it to various newspapers, see how people respond to you. I know your joy comes from writing so go for it on a day to day basis, schedule it everyday. When you continue to do tasks that bring you joy, your doing all the things that are compulsory becomes easy( like going to office). Test the waters before you quit your well paying job( and yourself mentioned you are doing pretty well). Plan to write a book on a subject that comes easily to you or a book of short stories around your experiences. Today Mrs Sudha Murthy is a celebrated writer, look at her journey as writer, it didn't happen overnight. There is no ASAP here. You want to become a writer professionally, take it slow, start writing, start publishing you work, gauge the readers reaction, keep writing, keep reinventing, it's a creative process, let it flow through you without the stress of earning money through it.... it's joy for you to write, let it remain so!! Create a beautiful space at home to allow the creative juices to flow, continue to write everyday. Apart form writing, check what else brings you joy, on a day to day basis consciously spend time doing things that bring you joy. Enthusiasm/energy for life comes from your joy list. I am listing so many things because you mentioned you are not enjoying your job. I want you to arrive at a place where you enjoy your job( it pays your bills and takes care of your family) and continue to work on stuff you are passionate about. It can be done by living a little consciously and joyously, a little shift in the mindset can do wonders!!
All the very best!!

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 29, 2024Hindi
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Money
Hi Sir. I am 29 years old and have a saving of 5lac now so I want to invest it in lumpsum SIP for 10 years. Could you please suggest me which fund would be better including small, mid and large where I can get over 25 returns
Ans: Investing a lump sum in SIPs for 10 years is a wise move towards building wealth. Considering your age and investment horizon, here's a diversified portfolio suggestion that includes exposure to small, mid, and large-cap stocks:

Large-Cap Fund: Invest a portion of your funds in a reputable large-cap fund known for its consistent performance and stability. Large-cap funds invest in well-established companies with a track record of strong earnings and market leadership.
Mid-Cap Fund: Allocate another portion to a mid-cap fund, which focuses on companies with medium market capitalization. Mid-cap stocks have the potential for higher growth than large-cap stocks but come with higher volatility.
Small-Cap Fund: Lastly, invest in a small-cap fund to capture the growth potential of smaller companies. Small-cap stocks can be more volatile but offer the possibility of significant returns over the long term.
Ensure to select funds with a proven track record, experienced fund managers, and low expense ratios. While aiming for over 25% returns is ambitious, it's crucial to remain realistic and consider the associated risks. Diversification across different market segments can help mitigate risks and enhance potential returns.

Consulting with a Certified Financial Planner can provide personalized advice tailored to your financial goals and risk tolerance. They can help you select suitable funds and construct a well-balanced portfolio aligned with your investment objectives.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Hi I'm investing 1500 in nifty mid cap 150 index, 1000 in nifty next 50 index and 500 in nifty 50 index. 100 percent passive investment fpr long term. Any suggestions with allocation or diversification?
Ans: Here's a breakdown of your current portfolio and some thoughts on active vs. passive investing:
Current Portfolio:

Nifty Midcap 150 Index (1500): This is a good way to gain exposure to mid-sized companies in India.
Nifty Next 50 Index (1000): This provides exposure to companies on the cusp of joining the Nifty 50, potentially offering higher growth.
Nifty 50 Index (500): This offers diversification with large, established companies.
Overall, your portfolio is leaning towards a growth strategy with a good focus on mid-cap and small-cap companies. This has the potential for higher returns but also comes with higher risk.

Active vs. Passive Investing:

Active Funds: These are managed by professionals who try to outperform the market by picking winning stocks. While active management can be successful, studies show that over the long term, a large percentage of actively managed funds underperform their benchmark index. The fees associated with active management also eat into returns.

Passive Funds (Index Funds): These track a market index, like the Nifty 50. They offer lower fees and historically, tend to match or outperform a significant portion of actively managed funds. This makes them a good option for long-term investors who don't want to spend a lot of time managing their portfolio.

Here's why your current approach with index funds is a good strategy for long-term investing:

Low Cost: Index funds have minimal fees, allowing you to keep more of your returns.
Diversification: You're already diversified across different market segments, reducing risk.
Long-Term Focus: With a long-term outlook, riding out market fluctuations is easier, and index funds tend to perform well over time.
Here are some additional thoughts:

Asset Allocation: Consider your risk tolerance and investment goals. You could adjust your weightings between the Nifty 50, Next 50, and Midcap 150 to achieve your desired risk profile.
Rebalancing: Periodically rebalance your portfolio to maintain your target asset allocation.
Ultimately, the decision of active vs. passive is yours. However, for a long-term investor with a focus on low costs and diversification, a passive approach with index funds is a well-supported strategy.
Lastly, if you're open to exploring active funds, consider consulting with a professional Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials. They can provide personalized advice and recommend active funds that have the potential to outperform their respective indices over time.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

Asked by Anonymous - Jan 28, 2024Hindi
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Money
Dear sir My sister is a heart patient and spending around Rs 5000 per month.She is a widower and age arround 65. I want to deposit an amount of ? 1500000.00 in her name at Senior citizens scheme apart from already deposited 400000 lac. I put my daughter name, her grandchildren name as nominee. Any hurdles in this one. Please send the reply to me
Ans: It's heartwarming to see your concern for your sister's well-being, especially given her health condition. Depositing an additional amount in her name under the Senior Citizens Savings Scheme (SCSS) can indeed provide her with financial security during her retirement years.

As for the nomination process, nominating your daughter and her grandchildren as beneficiaries is a thoughtful gesture. However, there might be some considerations to keep in mind:

Consent: Ensure that your sister is aware of and agrees to the nomination arrangement. It's essential to respect her wishes and ensure that she is comfortable with the decision.
Legal Requirements: Verify if there are any specific legal requirements or restrictions regarding nominees for SCSS accounts. While nominating family members is common, it's prudent to confirm compliance with applicable regulations.
Contingency Planning: Consider discussing contingency plans with your daughter regarding the management of the funds in case of your sister's demise. This ensures a smooth transition and effective utilization of the funds for your sister's intended beneficiaries.
Documentation: Complete all necessary paperwork accurately and ensure that the nomination details are correctly recorded in the SCSS account documents.
Consulting with a financial advisor or legal expert can provide personalized guidance tailored to your sister's situation and help navigate any potential hurdles or concerns. Your proactive approach to securing your sister's financial future demonstrates care and foresight, and with careful planning, you can ensure that her needs are well-addressed.

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Ramalingam

Ramalingam Kalirajan  |1318 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Hi Vivek my name is Anand and Iam 48 yrs old. I am investing monthly 32165/- in the following funds. DAY AMT SCHEME 1 1000 SBI Small Cap Fund-Direct-Growth 2 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 1000 DSP Midcap Fund-Direct-Growth 1000 Mirae Asset Large Cap Fund Direct Plan Growth 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 6 7 1000 SBI Small Cap Fund-Direct-Growth 8 9 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 10 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 11 1250 DSP Midcap Fund-Direct-Growth 12 1250 Mirae Asset Large Cap Fund Direct Plan Growth 13 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 14 15 1000 SBI Small Cap Fund-Direct-Growth 16 1250 Kotak Emerging Equity Fund - Direct Plan - Growth 17 1250 DSP Midcap Fund-Direct-Growth 18 1250 Mirae Asset Large Cap Fund Direct Plan Growth 19 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 20 1250 Mirae Asset Emerging Bluechip Fund - Direct Plan - Growth 21 1000 SBI Small Cap Fund-Direct-Growth 22 23 24 1000 Kotak Emerging Equity Fund - Direct Plan - Growth 25 1000 DSP Midcap Fund-Direct-Growth 26 1000 SBI Small Cap Fund-Direct-Growth 27 1000 BANDHAN Sterling Value Fund-Growth-(Direct Plan) 28 1000 Mirae Asset Large Cap Fund Direct Plan Growth I am planning for next 10 years and how much corpus can I get after 10 years.
Ans: Anand! It's great to see your commitment to investing for the future. Planning for the next 10 years is a wise move, and with your regular investments in diversified mutual funds, you're on the right track to building a substantial corpus.

To estimate the potential corpus after 10 years, we need to consider several factors such as the expected average annual return rate of the funds, any additional contributions you may make, and the compounding effect of your investments over time.

Since you've invested in a mix of small-cap, mid-cap, large-cap, and value funds, it indicates a diversified approach aimed at optimizing returns while managing risk.

To provide a precise estimate, it's advisable to use a mutual fund calculator or consult a financial advisor. They can input the specific details of your investments, including the current value, expected returns, and future contributions, to forecast the potential corpus after 10 years.

Remember, while forecasting future returns is essential for planning, it's equally crucial to stay invested consistently, review your portfolio periodically, and make adjustments as needed to stay aligned with your financial goals and risk tolerance.

Keep up the disciplined approach to investing, and you'll likely see your investments grow significantly over the next decade.

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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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