I am in class 12th non-medical, and I want to study abroad, Please guide which are affordable, high-quality education universities I should start prepairing for

Ans: May be

Ans: Slim chance

Ans: VIT vellore, but cost is high.

Ans: It is sunshine industry.

Ans: Slim chance

Ans: You have a structured approach to investing. You are planning for retirement and your daughters' higher education.

A well-diversified portfolio helps in risk management and long-term growth. Let’s evaluate your current investments.

Retirement Portfolio Review
You are 44 years old and plan to retire at 52.

Your monthly SIP is Rs 14,000.

Your portfolio has large-cap, mid-cap, small-cap, hybrid, and thematic funds.

Positives
You have exposure to all market segments.

You are investing in equity for long-term growth.

You have a mix of aggressive and stable funds.

Areas of Improvement
Too many funds increase complexity.

Small-cap exposure is high, increasing risk.

Thematic funds may not align with retirement goals.

Recommendations
Reduce small-cap fund exposure for stability.

Consider increasing large-cap and hybrid allocation.

Thematic funds are unpredictable; review their role in your portfolio.

Higher Education Portfolio Review
Your elder daughter is 10 years old.

Your younger daughter is 5 years old.

You are investing Rs 5,000 per month for each child.

Positives
You are saving early, giving your investments time to grow.

You have diversified across equity, gold, and international markets.

Areas of Improvement
Gold funds do not generate high returns over time.

Index funds have limitations and do not adjust to market conditions.

Too many funds reduce portfolio efficiency.

Recommendations
Reduce gold fund exposure and increase equity allocation.

Replace index funds with actively managed funds.

Keep a balance between large-cap and mid-cap funds.

Final Insights
Your investment approach is disciplined and future-focused.

Reducing unnecessary funds will simplify your portfolio.

A balanced mix of large-cap, mid-cap, and hybrid funds will provide stability.

Regular reviews with a Certified Financial Planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

Ans: Any low ranked or middle ranked IIT or top level NITs.Best of luck.Professor.....:)

Ans: For a 97.18 percentile in JEE Mains 2024, an EWS candidate can expect a rank within the top 10,000 EWS ranks, placing them in a very competitive position for admissions to prestigious engineering colleges within the EWS category. Best of luck. Professor...............:)

Ans: According to current information, some of the top online coaching platforms for JEE Main and JEE Advanced include: Vedantu, Aakash Digital, Physics Wallah, Unacademy, Allen Kota, Motion Education Kota, and Byju's; with Vedantu often considered one of the best options for live interactive classes and comprehensive JEE preparation. Best of luck. Professor............................:)