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BCom Graduate and Video Editor Seeks Career Transition Advice

Pradeep Pramanik | Answer |Ask -Follow

Career And Placement Consultant - Answered on Sep 10, 2024

Pradeep Pramanik is a career coach, placement consultant and director at Fast Track Career Consultants, which provides career counselling, soft skills training and placement consultancy services.
Pradeep, who hails from Bhagalpur in Bihar, has worked in the pharmaceutical industry for 15 years in sales, marketing, training and product management roles in companies like Lupin Pharmaceuticals, Elder Pharmaceuticals and Ranbaxy Laboratories.
During his tenure in the pharma industry, he has worked in different states including Bihar, Jharkhand, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Tamil Nadu and West Bengal.
In 1998, he launched Fast Track Career Consultants with the aim of helping youngsters find jobs through the right career counselling, training and placement services.
They also offer HR analysis and appraisal services.
Over the years, he has been invited by management and engineering institutions to discuss education and employment policies, entrepreneurship, soft skills and emerging careers in India.
He has published four books on career counselling and contributed articles to print publications.... more

Question by Dilip on Sep 09, 2024Hindi

Career

Hi I am a Bcom graduate, worked as an audit associate in KPMG for a year and pursued my diploma in video editing, I worked as a video editor for 3 years and now lost the job for no reason of mine. It is getting hard for me to get a job in video editing especially after rise of the AI. It has been more than a year and haven't found anything concrete in my domain and I am considering going back to IT or any other domain but I don't have anyone to guide me. All I see is customer support roles. I graduated in 2016. Please help. What can I do next to get a job?

Ans: Dear Mr. Dilip Many a times , just for trivial financial gain , we commit blunder and chage the track almost 180degree and then find themselves at point of no return. It is fact AI has its advantages and disadvantages . Job losses are apprehended due to use of AI Tools in editing and many generative fields requiring expertise whereas AI ChatGPT etc can perform those tasks in Minutes . Nevertheless , I will suggest you to learn some relevant AI courses to upgrade you skills or else get back to Auditing , starting from Good accoutning firm or other companies in the field of accounts/ commercial/ Stores / SCM / Logistics and then you can go for SAP SD / MM/Fico like courses to upskill yourself.

You may like to see similar questions and answers below

Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Nov 01, 2022

Question by Vishal - Nov 01, 2022Hindi

Career

Dear Mayank, I am 38 year old Bcom graduate who have not found a proper job yet. I started working at age of 22 in office (was undergraduate at that tym) no scope of growth as I was undergraduate. Now after completing Graduation I still not getting good job offer. Request you to please enlighten me and show me path. Regards, Vishal

Dear Vishal,

Your career path will be decided by your interest and skills and not so much by your commerce degree.

So, if you are good in accounting, then you can look for a job in finance.

If you are good with organising and coordination, then admin is a good option.

If you have skills for sales, then that is another great career option.

Chocko Valliappa | Answer |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Mar 24, 2024

Asked by Anonymous - Mar 19, 2024Hindi

Career

I am 24 years old, no proper employment record, a 8 supply bcom degree that I couldn't finish in pandemic and thereafter while some of my friends got into private banks without clearing supply, i got rejected for a entry level job at HDFC citing it's mandatory to be graduate which demotivated me even more. Will it be good to finish BCOM after 6 years????, I use to help my friends getting familiar with the topics and clear their doubts but now I just feel like a gooner. I know 4 languages can write 3 not fluent in tamil. Call centre job was a best possible option but I develop a hearing issue whenever I use earphones already (so I avoid them) thus I'm skeptical about that. I write short fictional stories with a social message and been passionate about screenwriting. Where should I approach for a job. Should I put Bcom on my resume, like just completed/not (I didn't dropout of college) should I go tv channels. I know this is too much, hope you could give me an answer ????

Ans: As a ambitious young man brimming with ideas you will benefit by seeking the help of a counsellor or a life coach. Your previous call centre employer's HR team will be able to put you in touch with.

Krishna Kumar | Answer |Ask -Follow

Workplace Expert - Answered on Apr 17, 2024

Asked by Anonymous - Mar 25, 2024Hindi

Career

I am MCA graduate fresher. I completed my post graduation in November 2022. I have been unemployed from last 1.5 years. I am a fresher and currently i am practicing data analytics. I have applied to so many companies but never got any response from them. What should i do now?

Ans: Hello

May I suggest following

Keep applying to bigger companies and smaller ones as well...If you get an opportunity from smaller company please take that up.

All the best.

Pradeep Pramanik | Answer |Ask -Follow

Career And Placement Consultant - Answered on Sep 10, 2024

Question by Dilip - Sep 09, 2024Hindi

Career

Dear sir, I am a Bcom graduate, worked as an audit associate in KPMG for a year and pursued my diploma in video editing, I worked as a video editor for 3 years and now lost the job for no reason of mine. It is getting hard for me to get a job in video editing especially after rise of the AI. It has been more than a year and haven't found anything concrete in my domain and due to financial reasons I am considering going back to IT but I don't have anyone to guide me. All I see is customer support roles. I graduated in 2016. Please help. What can I do next to get a job?

Ans: Repeat question. , Already replied

Prof Suvasish Mukhopadhyay | Answer |Ask -Follow

Career Counsellor - Answered on Nov 30, 2024

Question by Debmalya - Nov 25, 2024Hindi

Career

I have completed my Btech in the year 2020 and then worked at Infosys for 1.5 years then I got laid off due to unavailability of projects and unemployed still now . So what should be my course of action shall I switch domain because I have a lot of fascination for video editing.

Ans: Please see the best online course of Video Editing and scope of earning for that. Go for the best online course. But by the time, before going for the course do one online certification course in AI and Machine Language. AI and Machine Language is the need of the day. So if you complete the certification course in AI and Machine Language at least you will get a job and after that start the online certification course of Video Editing. Best of luck. Just follow me. GOD BLESS YOU. Professor............:)

Latest Questions

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Asked by Anonymous - Oct 15, 2025Hindi

Money

Sir, I have taken a Baaj Life Allianz POS Goal surksha of annual premium of 2 lakh .I have completed 2 annual premium. Now I don't want to continue further this policy as I came to know that this policy has approx 4 % return. Initial the agent said to me you can at any time discontinue this policy and refund your full money but now he refused and saying that you only get 30 % of your paid money. Suggest some solution to this problem.

Ans: Hi,

I am sorry but this is how these policies work. Your money is locked and will not get full amount back.

Every agent make false promises in the start to earn their big commission in first month. These policies give maximum 4% yearly return.

You can ask the customer care if you will get back more % after paying 3 premiums. Generally surrendering after 3 premiums gives back almost 80% of the premium paid. But do not continue for another 8 years.

Let me know what will you get back if you pay your 3rd premium. Will guide you based on that.

In future, go for mutual funds for long term. You will easily get 14% annual return.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Mahesh - Oct 22, 2025Hindi

Money

My salary is 80k per month, how can you invest money for better future

Ans: Hi Mahesh,

Please share other details such as your age, expenses, other investments and financial goals for me to help you.
No sole guidance can be done only on your income details. But you can save the maximum that you can and invest it in mutual funds for long term.

Also make sure to have a dedicated emergency fund as well as proper healthand life insurance for yourself and family for any uncertain situations.

share your other details and I shall be able to guide you.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Udit - Oct 27, 2025Hindi

Money

how to close ppf account before time

Ans: Hi Udit,

You cannot close a PPF account before time. It has to be there for 15 years. Although you can withdraw a certain amount but there is no option for pre-closure of the account.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by abu - Oct 22, 2025Hindi

Money

I have some doubt, last year I parked 25K in FD with interest rate of 7.30% maturity amount they said I will get 27280 , but on maturity I received only 26569. Bank detected 711 as a tax almost 31% on profit. this high tax they will detect?

Ans: Hi Abu,

You must be under 30% tax bracket and hence this deduction. This interest will be taxable if you come under any tax slab as per your slab rate.
But of you don't earn anything, can claim back this tax paid in ITR filing. Or next time, prefill a form 15G/H for tax exemtion.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Sriram - Oct 22, 2025Hindi

Money

Good afternoon, pls suggest best funds to invest. Proposed sum Rs. 35,000 per month for a period of 3 years. I am 51 years old. My current investment are in land and buildings with limited exposure to share and mutual funds.

Ans: Hi Sriram,

Good for you to consider diversifying your invvestments at the age of 51.
If you want to invest for 3 years, can choose a mix of debt and balanced funds to invest per month. This wil come with less risk and better returns than other investment options.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Raghavendra - Oct 23, 2025Hindi

Money

I have made investments in 10 year ULIP which is maturing shortly. I have been showing the income as capital gain as per the statement submitted by UTI for the last few years. Now upon maturity of this ULIP am I liable to pay Tax .

Ans: Hi Raghavendra,

Please share the exact ULIP and premiums paid. As tax paid depends on the premium and sum assured as well. Usually ULIPS have a lot of hidden fees which brings your returns down. In future, refrain from buying any policy such as your current one and directly go for mutual funds for any long term investment.
Share details of your policy for me to guide you better.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Satyaballav - Oct 14, 2025Hindi

Money

Dear Sir, can you suggest good MFs for SIP or one time investment for a period of 3 to 4 years for a better return considering the current market scenario. After seeing your answer for SBI Life Smart Privilege Plus I am not investing there.

Ans: Hi Satyaballav,

Any policy should not be considered for investment. You already must have gotten clarity about SBI Life Smart Privilege Plus plan.
If you want to do any SIP or lumpsum, you can consider a mix of debt and balacned funds for a time horizon of 3 to 4 years. Again, it depends on the goal for which you want to invest.
You can reply to this answer and I will guide you with exact plan for your investment.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Mani - Oct 27, 2025Hindi

Money

I am 31, teetotaler, with no bad habits, bachelor, leading celibacy, no chronical ailment, minimalist, investing in various schemes of mutual from the age of 18, now my investment is Rs. 50 lacs, with SIP of Rs. 15K every month in equity funds, and 40 lacs medical insurance 1.5Cr term insurance. Insurance premia are taken care by dividend from equity shares. My average annual expenses at present is Rs.5 lacs. Please guide me at what age should I give up the job and submit my resignation from MNC job, and retire, where I have no dependants nor depending on any one. Please guide me and advise.

Ans: Hi Mani,

You are one of the rare example of someone who is a long term investor and have build quite a good corpus through all these years.
Let us have a look at what can be done:
1. Insurance - you are well covered. Even premiums are being taken care of using dividends.
2. Emergency fund - build a dedicsted fund of minimu 10 lakhs in liquid funds for any emergency situation.
3. Mutual funds - a SIP of 15k has built you a corpus of 50 lakhs in 13 years which is great. You should also focus on increasing your investments to the maximum capacity whenever possible.
4. You are a bachelor and want to retire. But you also have to plan if ou want to get married. Getting married will change the entire plan. You will need funds to get marry, start family, kid's education and marriage. All these things should also be considered before making any decision.
5. Your current expenses of 5lakhs will double easily on getting married, so your resignation and retirement depends on this plan as well.

Hence my suggestion would be to focus on increasing income for now and you are too young to consider leaving your job. Plan your future goals and then take this decision collectively.

Also as your MF portfolio crosses 50 lakhs, would suggest you to 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.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Question by Sanjay - Oct 25, 2025Hindi

Money

Hello Sir, Is Gullak app a good option for investing in Gold? I have taken SIP of Gold ETFs and investing around 5.5k monthly. Now want to raise my investments in gold. Is it good to invest thru Gullak?

Ans: Hi Sanjay,

I understand that many apps such as Gullak is quite famous amongst everyone fro quick gold investments. Apps like these provide a quick and effortless investment solution to everyone who wants to go to digital gold.
But I do not recommend this. these apps comes with hidden charges in the form of 3% gst when you buy and some deductions as well when you will sell. Overall not much beneficial if you want to invest in Gold.
Gold etf, by far, is the best way tto invest in digital gold as its appreciation is wrt to the gold price in actual. It doesn't have any hidden or extra cost. Go for it without thinking again. Monthly SIP in gold etf is the best way to take the benefit of market volatility.

Let me know if you need more help.

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

Reetika Sharma |333 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Nov 09, 2025

Asked by Anonymous - Oct 18, 2025Hindi

Money

Hello. I'm 41yr old woman have 2 kids age 13 and 7. I own 3bhk duplex house in Bangalore. My monthly income comes upto 60k per month. I have invested 45lakhs in bhive workspace company and getting returns of 64k per month. I have also invested in 5 autos tie-up with rapid and earning 75k returns on tht. I have invested 12 lakhs in motilal Oswal midcap elss fund. Now I'm getting 1cr from my parents property share. Where should I invest for good returns and safe investment for future wealth? And I also love traveling so need to save some money for future for my health and my desire to fulfill. Plz guide me wisely.

Ans: Hi,

You have done great investments with some companies and aree earning out of it. This is the best form of diversification.
I understand, you have your house, monthly income from salary and your investments.
To further diversify the 1 crore that you are getting, can consider investing in a mix of equity oriented and balanced mutual funds. Your current investment in the Oswal midcap ELSS doesn't seem good. Even this can be shifted to a much better fund suited to your requirements wrt your risk appetite.

You can work with a professional advisor who will guide you with exact fund names to invest your 1 crore and also redirect 12 lakhs from elss fund to another fund.

Your goal of travelling can be done using a portion of 15% from 1 crore that you will get. This amount will be invested in debt and small cap funds and you can do a sWP from this amount to fulfil your travel goal.

Regarding health, first make sure to have a dedicated health insurance for yourself and family with a cover of minimum 25 lakhs. And have an emergency fund of around 10-15 lakhs. This would be sufficient to take care of this.

Lastly, refrain from doing investments based on any random tips in mutual funds as any wrong fund selection can hamper the growth of your portfolio.
Hence 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.

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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