Bits pilani @mechanical vs IIIT kota@ cs

Ans: Math and computing is a very good branch you can go for it without doubt.

Ans: Hello Bhaskar
CS & allied branch will be allotted in slab 3 or 4 at Amrita.
ECE in 2 or 3.

Ans: At this rank your chances in Coimbatore are very grim.

Ans: Hello Aditi
there are way out for your problem.
for further details you can DM through insta handle careerstreets

Ans: Go with IIIT Gwalior then prefer NIT

Ans: Hello
VITEEE mey category 4 fees mey admission milega. Vellore campus mushkil jayega milna.
CSAB rounds mey admission mil sakti hai aapko

Ans: A SWP can give regular income, but no strategy can guarantee that the corpus will remain fully intact forever under all market conditions. The goal should be:

Generate stable income
Grow corpus slowly over time
Protect against inflation and market crashes

» Basic Rule for Sustainable SWP
A commonly followed thumb rule is:

Withdraw around 3.5% to 4% yearly from total corpus

This improves the probability that corpus may last long and may even continue growing in favourable markets.

» Simple Example
Suppose your corpus is Rs 2 Cr.

If you withdraw:

4% yearly = around Rs 8 lakh yearly
Monthly SWP ≈ Rs 65,000–70,000

If portfolio return over long term remains higher than withdrawal rate:

Corpus may sustain well
Sometimes corpus may even grow

» Very Important Reality
If:

Inflation rises sharply
Market gives low returns for many years
Withdrawal is too high

Then corpus can reduce gradually.

So SWP is not “fixed deposit type guaranteed income”.

» Best Structure for SWP
Do not keep full corpus in one category.

Better approach:

3–5 years expenses in safer funds
Remaining in diversified equity funds for growth

This helps:

Regular income continuity
Protection during market crash

» Which Funds Are Better for SWP?
Generally better suited:

Flexi cap funds
Large & Mid cap funds
Hybrid funds

Avoid depending heavily on:

Small cap funds
Sector/thematic funds

for regular SWP.

» Important SWP Rule
Do not increase SWP aggressively every year.

Instead:

Increase gradually
Review yearly based on market and inflation

Flexibility protects corpus.

» Finally
There is no perfect formula that guarantees corpus will never reduce.
But disciplined withdrawal, proper asset allocation, and controlled withdrawal rate can make SWP sustainable for decades.

The real secret is:

Lower withdrawal rate
Long-term equity growth
Bucket strategy
Periodic review

These together help your corpus survive longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

Ans: You and your wife have created a very strong financial foundation. Your savings discipline, high PF accumulation, controlled liabilities, and protection planning are excellent. Many families at 44 are still building stability, whereas you have already built substantial assets.

» Current Financial Position – Financially Strong
Your major positives:

PF corpus already around Rs 1 Cr
Strong monthly savings habit through VPF and NPS
Very low home loan burden
Good medical insurance coverage
Gold allocation available as additional buffer
Sukanya planning started early for daughter
Expenses are controlled compared to income

This shows high financial discipline.

» Biggest Concern – Job Uncertainty in IT Sector
Your concern is practical and valid.

Even financially strong people in IT should plan for:

Income disruption
Forced early retirement
Health or industry slowdown

Good thing is:

Your current corpus and savings rate already provide strong protection.

» Can You Retire in 12 Months?
This depends on one key factor:

Whether your current lifestyle and future goals can be supported without salary income for next 40 years.

At present:

Your daughter is only 11
Higher education and future responsibilities are pending
Medical inflation will rise sharply over time

So full retirement in 12 months may be slightly aggressive unless:

You reduce lifestyle expectations
Or create alternate income sources

» Your Retirement Corpus Direction
You already have:

PF + FD + Gold + NPS + other savings

And your monthly investments are very high.

If you continue even for another few years:

Your retirement corpus can become very substantial due to compounding and continued contribution.

» One Important Observation
You are heavily tilted toward:

PF
FD
VPF
Debt-oriented accumulation

This gives safety, but may reduce long-term inflation-beating growth.

» Improvement Needed – Equity Allocation
Your SIP of Rs 6,000 is very low compared to income and overall savings capacity.

You should consider:

Increasing diversified equity mutual fund SIP gradually
Build stronger growth-oriented retirement corpus

Because:

Inflation over next 25–30 years can reduce purchasing power significantly
Equity helps long-term growth

» Term Insurance – Important Gap
Your wife’s cover is strong.
But your personal term insurance of Rs 25 lakh is low considering:

Income level
Daughter’s dependency
Long retirement horizon

You should consider increasing your term cover.

» Emergency Readiness
Since both work in IT:

Maintain at least 2–3 years expenses in highly liquid safe assets
This protects against simultaneous job disruption

You already partly have this through FDs.

» Daughter’s Future

Sukanya investment from 2015 is a very good decision
Continue it regularly
Build separate education corpus through mutual funds also

Do not depend only on PF/FD for education goals.

» Retirement Lifestyle Reality
Your current expenses are Rs 1.3 lakh monthly.
After retirement:

Medical expenses may rise
Travel/utilities/support expenses continue
Inflation impact will be large over 25–30 years

So retirement planning should focus on:

Sustainable cash flow
Not just large corpus number

» Finally

You are financially much stronger than average families
Your discipline and asset protection are excellent
Main improvement needed is stronger long-term equity allocation
Increasing your equity SIP gradually can improve retirement sustainability
Full retirement in 12 months may be early considering daughter’s age and long life expectancy

A phased retirement or financial independence approach may be more comfortable and safer than immediate retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/

Ans: Chances at Vellore seem to be difficult. But CSE specializations at VIT Chennai are possible in Category 3/4/5,

Good luck.
Follow me if you receive this reply.
Radheshyam