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Sushil

Sushil Sukhwani  |588 Answers  |Ask -

Study Abroad Expert - Answered on May 17, 2023

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Yumi Question by Yumi on May 07, 2023Hindi
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Career

Sir,i am actually way more confused in which stream to choose after my 12th..iam just interested in too many things..and i just feel like i don't have a proper path to move on..i want to continue my studies after degree abroad..and it's just that i don't know what would be best to choose gor degree.

Ans: Hello Yumi,

To begin with, thank you for contacting us. After completing your 12th grade, selecting a field of study might be difficult, especially if you have a variety of interests. Many others experience similar difficulties, so it's normal to feel perplexed at this point. We completely comprehend, and we want you to know that you are not alone. Following the completion of your degree, consider the following ideas to aid in your decision-making and set you on the right course:

1. Self-reflection: Spend some time thinking about your hobbies, qualities, and long-term objectives. Think about the things that really interest you and where you envision yourself in the future. Consider your favourite skills and the professions that share your interests.

2. Investigate and learn: Investigate several professions that fit your interests. Find more about the educational requirements, employment outlook, and career development options for various professions. Talk to experts in such fields or seek advice from career counselors who can offer insightful analysis.

3. Set your priorities: While having a variety of interests is fantastic, it can be useful to rank them according to your level of excitement and long-term objectives. Think about the professions that give greater opportunity to study abroad or that have better chances to advance globally. Selecting a stream that integrates some of your interests or allows you to study interdisciplinary topics may be advantageous.

4. Seek counsel and direction: Speak to the people who know you best, viz. your parents, professors, and mentors. Talk to them about your goals and concerns. Using their expertise and knowledge, they can provide advice.

5. Take the aptitude: Examine your academic accomplishments and areas for improvement. Study overseas consultants in general are aware of the challenges students experience while choosing a course of study for higher education. An aptitude test and a program called the APP for career guidance is conducted in order to meet these expectations. Evaluate your knowledge, academic standing, and your preferred subjects of study.

6. Examine your possibilities for studying abroad: Consider international schools or institutions that have courses that interest you. Look at their eligibility requirements, financial aid options, and any requirements for international students. Speaking with educational experts who focus on assisting students with their international studies may also be beneficial. We'd be happy to help you if you could provide us with your contact information.

Remember that your degree choice is not final; many people change careers or continue their education in later life. It's important to pick a career path that appeals to you right now and offers a strong basis for your future endeavours. Trust your gut, learn as much as you can, and decide based on what seems right for you.

For more information, you can visit our website.
Career

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I have just completed my 12 th and now l don't understand where to proceed which career is best for me. Without going out in lndia.. Thoght of doing graduation and do competition but who knows will l be successful or not.. My financial conditions is not good
Ans: Thank you for reaching out. Managing your career choices can be quite daunting, especially when considering factors like financial constraints and uncertainties about the future. Given your financial constraints, consider the cost of education and living expenses associated with your chosen career path. Explore scholarship opportunities, financial aid programs, or part-time work options to help offset the costs of education and living expenses. If pursuing a traditional college education isn't feasible due to financial constraints, consider vocational training or skill-based programs that offer practical, hands-on training in specific trades or industries. Vocational training programs can provide valuable skills and certifications for in-demand jobs without the need for a traditional degree. Keep in mind that career paths are rarely linear, and it's okay to explore different options and make adjustments along the way. Stay open-minded to new opportunities, be willing to adapt to changing circumstances, and remain resilient in the face of challenges. Remember that finding the right career path takes time, exploration, and self-discovery. Be patient with yourself, stay focused on your goals, and trust that, with determination and perseverance, you'll find a path that's fulfilling and rewarding for you.

..Read more

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Ramalingam

Ramalingam Kalirajan  |8084 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 07, 2025

Asked by Anonymous - Mar 07, 2025Hindi
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"I own a property in a prime location in Bangalore, within a gated society, and it is within walking distance from an IT SEZ. This property generates a rental income of Rs 50k per month. I also have another property near a SEZ in another metro city, which is also in a gated society and provides a good rental income. I intend to keep this property for my daughter. Currently, I am planning to construct a house in my home capital city for my own stay, along with three additional flats for rental income. I have sufficient funds for the construction. I do not have any loans and, apart from the construction expenses, I have additional investments worth more than 1 crore in mutual funds, stocks, fixed deposits, and provident funds. Given my financial situation, would it be wise to sell the property in Bangalore and earn interest or should I continue earning rental income and the future prospect. Thank you
Ans: Your financial position is strong. You have multiple income sources and no loans. You are also constructing a new house with rental units.

The key question is whether selling the Bangalore property is a better financial decision. Let’s analyze from different angles.

1. Financial Stability and Liquidity
You already have a steady rental income from multiple properties.

Your investments are diversified across mutual funds, stocks, fixed deposits, and provident funds.

You have sufficient funds for the new construction.

There is no immediate need to sell for liquidity.

Keeping the property may provide stable, passive income for years.

2. Rental Income vs. Alternative Investments
Rental Yield Analysis
Your Bangalore property generates Rs 50,000 per month, or Rs 6 lakh per year.

If the property value is Rs 2 crore, the rental yield is 3% per year.

Rental yield in prime locations is typically between 2% to 4%.

Comparing with Interest or Market Investments
If you sell the property for Rs 2 crore and invest in fixed-income options, you may earn:

Fixed Deposits: Around 7% per year (Rs 14 lakh per year).

Debt Mutual Funds: 6% to 8% per year (Rs 12-16 lakh per year).

If you invest in mutual funds or stocks, potential returns can be 10% to 12% per year (Rs 20-24 lakh per year).

These returns are higher than the current rental yield of 3%.

Selling and investing can generate better cash flow than rental income.

3. Capital Appreciation Potential
Bangalore's real estate market has shown strong appreciation over the years.

Prime locations near IT hubs tend to see price growth.

If property prices rise faster than market investments, holding it may be better.

If growth is slow, selling and reinvesting in financial assets makes more sense.

Research the expected appreciation for the next 5-10 years.

4. Tax Implications of Selling
Capital Gains Tax
If you sell, you will incur long-term capital gains tax.

The tax is 20% on gains after indexation.

You can reduce tax by reinvesting in another property under Section 54.

If not reinvested, your net proceeds will reduce due to tax.

5. Diversification and Risk Management
You already have multiple real estate assets.

Real estate is illiquid and requires maintenance.

Selling and reinvesting in liquid assets increases flexibility.

If rental demand declines, income may be affected.

If you want to reduce real estate exposure, selling is a good option.

6. Future Rental Demand and Market Trends
Bangalore’s IT sector drives rental demand.

If IT jobs continue to grow, rental demand will stay strong.

Remote work trends may affect demand in the long term.

Check vacancy rates and rent growth trends before deciding.

7. Personal Preferences and Lifestyle
If managing rental properties is a hassle, selling may be better.

If you prefer stable and passive income, keeping the property is fine.

If you plan to use the property in the future, holding makes sense.

If you prefer liquidity and financial flexibility, selling is better.

Final Insights
Your financial position allows flexibility in decision-making.

If capital appreciation is strong, holding the property is beneficial.

If rental growth is slow, selling and reinvesting in financial assets may be better.

Consider tax implications and reinvestment options before selling.

If you prefer liquidity and higher returns, selling is a good option.

If you want stable rental income, keeping the property is fine.

A Certified Financial Planner can help with tax-efficient investment planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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