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Maxim

Maxim Emmanuel  | Answer  |Ask -

Soft Skills Trainer - Answered on Apr 06, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
Arjun Question by Arjun on Feb 05, 2024Hindi
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Career

I am not able to understand what to do after GNM Nursing. Salary in private hospital is very low

Ans: It's important to realise that nursing also has super specialist too, following are the options to increase your market value and remuneration.

The GNM program also has many different options available,depending on your career goals. cardiac, paediatrics, geriatrics, oncology and critical care. As a Nurse, you may also choose to pursue a Master of Science in Nursing (MSN) degree to further your career!
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Reetika

Reetika Sharma  |452 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

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

...Read more

Reetika

Reetika Sharma  |452 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 10, 2025Hindi
Money
I am 37 years old working professional. I have 50L in EPF, 30L in NPS, 60L in stocks and MF, Gold worth 50L, 30L in FDs and 25L in leave and gratuity and other savings. I own a loan free flat where my parents live. How much do I need to retire early?
Ans: Hi,

At the age of 37, you have build a good corpus for yourself. Your overall amount is properly diversified.
To retire early, you need to make sure of few points:
1. Have adequate emergency fund in liquid form.
2. Have proper term insurance and health insurance for yourself and family.
3. Make sure to account for any major financial goals in future such as your marriage, vacations, kids, their education, parents health etc etc.
4. Consider amounts for all these goals.
5. Need to consider your expenses as well. Without these I cannot give you a number.

Assuming your current expenses at 1 lakh per month, you need to have 3 crores to fund you forever (with inflation adjusted expenses).

Hence help me with more details for me to help you better.

Also, as you MF n stocks is 60 lakhs, you need to consult a professional to work out exact funds to invest into as random fund selection often gives far less returns.

Hence do 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/

...Read more

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