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Failed JEE twice, clueless about career: What should I do?

Radheshyam

Radheshyam Zanwar  |1071 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 04, 2024

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Bhavesh Question by Bhavesh on Aug 04, 2024Hindi
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Career

I completed my 12th grade in 2022. They say that if the foundation of a house is weak, the chances of the whole house collapsing are very high. Similarly, my situation was affected by the Corona period. My 11th and 12th-grade basics were completely messed up, and I needed to fix them but couldn't. Due to some wrong decisions, I took a drop in my first year to prepare for JEE on my own, but the results were not good, and I failed. Actually, I couldn’t get much output from myself. During that critical time, I sought advice from people around me. Some suggested joining a local college like MBM Jodhpur for Petroleum Engineering or JIET College, while others advised me to take a second drop and prepare for JEE with coaching since I had already studied a bit. So, I took a second drop and also filled out a form for a BA in History, Political Science, and Public Administration, intending to study for the exams just two days before BA Exam to pass and also to minimize risks as I had taken 2nd drop. Despite taking a second drop, I still didn’t perform well enough to get into any NIT or IIIT (and being from the general category added to the difficulty). My Maths was very weak. Then I attempted other entrance exams like COMEDK and JIPMAT, which is a management entrance exam. I’ve become crazy with all this. My interest in engineering completely faded, and I wanted to build a career in management. I wanted to study outside Jodhpur, so I searched for different entrances, but there wasn’t enough time for their preparation, so I couldn’t apply. In COMEDK, I ranked 49k, and my JIPMAT result is not going to be good. Please help me at this crucial moment. I’ve become CONFUSED AND EXHAUSTED because even after so much struggle day and night, I haven’t achieved anything. Now I’m unable to decide what to do next. According to my current situation, I have a few options: 1st :- Take admission in any branch at MBM Jodhpur through REAP. 2nd :- Take admission in Doon Business School for BBA Management Studies. 3rd :-Prepare for the SSC Stenographer exam, which is coming up in a few months. 4th :- Prepare for the RAS exam as per my father’s suggestion. 5th :- Go to Bangalore through COMEDK to any college I get, but I am not sure if it will be worth it. Please PLEASE PLEASE help me, guide me properly. ???????? If I consider doing my Masters abroad, there’s no financial security from my family to guarantee that.

Ans: Hi Bhavesh. It would be better to talk to a counselor one to one across the table. You have asked many questions and some of them are related and some are irrelevant. Only with personal talks, one can understand your real problem(s).

Radheshyam Zanwar, Aurangabad (MS)
Career

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Nayagam P

Nayagam P P  |3928 Answers  |Ask -

Career Counsellor - Answered on Jul 12, 2024

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Hello mam, During the mid of my 12th, I began to serious think about what I am going to do after 12th, before that I just watched a lot of science related shows, and some books, so i thought of becoming a research scientist but i was never serious about it. I was never interested in engineering as it is a technical field, so i very recklessly ignored my jee which were during January in 2023. I gave 12th and got 89% . Still, i was in this dilemma what should I purse, i was thinking that there is stable financial life if i take engineering cse, but on the other hand, i had my passion, so I wanted to take pure science. I was really confused and kept over thinking about it, so i messed up my April attempt as well. After that, i had options to do cuet (for du etc) or join a local govt engineering college. But, i thought that I can get iisc( for bs research) through jee advanced next year if i take a drop and prepare for it because iisc has kashmiri migrant cutoff of 8000 crl rank. So thought it was good. Now, i am in my drop year but still the thought are lingering in my mind that i won't be able to have a stable life if i take bs, then ms after PhD, all that takes time and if done from abroad only, they can provide good financial stability. So I am really confused right now what should I do? My father spend 2 lakhs in 11th+12th and now 70K in coaching, i think how can I repay him... that's kinda silly but still....also I don't want a cooperative job. What should I do?? Please guide me mam 😭 please 🙏
Ans: Aryan, please update your status as of now in July 2024 to enable me to answer. All the BEST.

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Nayagam P

Nayagam P P  |3928 Answers  |Ask -

Career Counsellor - Answered on May 31, 2024

Asked by Anonymous - May 16, 2024Hindi
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Sir ,I have been preparing for government exams since 2018 June firstly I prepare for gate in 2019 with college semester in 2019 gate result I.e, 2019 March I qualify with 46 marks that's somehow good score that time for me because I prepare with self study due to over confidence and lack of family income I didn't join coaching and started preparing for UPSC engineering services with full dedication at the age of 20.5 in 2019 eligible for ese 2020 with 21 yr age somehow I got 150 around marks and didn't qualify prelims that time cut off around 240 due to railway has taken his seats so UR cut off increase by 60 which is 188 last in 2019 ese so I got in depression that I prepare with full dedication and even I have a gap of 100 marks in prelims so somehow I came to home in june 2020 after a huge gap of depression in 4,5 months in delhi and started for gate and ese again same condition I couldn't even qualify prelims and got covid in 2021 and from that 2021 I joined UNACADEMY work 1.5 yrs and again I started preparation due to less salary now I have a gap of 5 years no masters degree no industrial skillls and family income less than 20k per month what should I do go and search for civil engineering related job or build a confidence and again prepare one more attempt
Ans: I have gone through the details of your Efforts, Failures, Depression & Your family’s Economic condition.

Based on the above factors, here are the suggestions for you:

1) Till your age bars, try to attempt other comparatively easier (than UPSC) Competitive Exams for Government Jobs & prepare daily for 2-3 hours before & after you come back from work.

2) But AVOID attempting those Competitive Exams which you have already done a number of times and failed. Lack of change in preparation strategies / change in Govt. Policy are the reasons for your subsequent failures.

3) Keeping in view your family’s economic condition & your AGE now, it is suggested to DEFINITELY go for any work, related to your domain, to support your family.

4) Try to upgrade your skills by joining short-term courses with any Institute, related to your domain (or) any other domain you are passionate over. However, make sure that the Institute you join provides JOB GUARANTEE after you complete the Course. Or you can join any ONLINE Courses which are much in demand in job-market.

5) If time does not permit for you to prepare for Competitive Exams & if you feel you are highly demotivated for Govt. Exams, it is advisable for you to fully FOCUS on your Career, related to Civil Engineering & gain good experience.

Hope I have clarified your doubts.

If you need any other clarifications or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU for more useful information on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

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Milind

Milind Vadjikar  |705 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 27, 2024

Asked by Anonymous - Nov 27, 2024Hindi
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Money
Hi Milind, Hope you are doing well. I am an NRI. I am 42-year-old. I am a Software engineer. My son is 11-year-old. Please share your guidance for better investment in MF or Stocks which has better returns with less risk. The plan is for my son’s education for his degree. Please find my plan. 1. I can spend 20K per month towards SIP. 2. Plan is for 8 years investment. 3. In next 8 years, my target is to make 40 to 50 lakhs Please provide your inputs to my following queries 1. Which mutual funds can help to achieve my above goal? 2. Is it better to invest in 2 to 3 mutual funds ? 3. How much I need to SIP to achieve my above goals? 4. How can I apply investments in the mutual fund from United Kingdom? 5. Do I need open DMAT account ? If so, please guide how can I do this from UK? 6. Do I need to do KYC? If so, please guide how can I do this from UK? Appreciate you if you guide me Thank you
Ans: Hello;

To generate a corpus of around 50 L in 8 years you have two options:

1. Start with 20 K monthly SIP and step it up each year by 15% upto 8 years.

2. Start with a monthly sip of 31 K which may yield you a corpus of around 50 L after 8 years.

A modest 12% return from equity mutual funds is considered.

Mutual funds will be certainly better then direct stocks from a risk perspective.

You may invest in a flexicap type mutual fund and a large and midcap type mutual fund in the proportion of 50:50 for your investment.

You may select any fund from the top quartile in these categories.

You don't need a demat account.

You will need to do KYC before investing, some investment apps/AMCs offer it to be done online even for NRIs.

Happy Investing;

...Read more

Anu

Anu Krishna  |1330 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 27, 2024

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I am a Single mother (divorcee) of 4year old kid. I was separated when the kid was around a year old, because of his habits and abusive nature. I didn't want my to go through the same The father or his family never asked to see the kid. Now my kid asks questions "where is my dad", "everyone has father, where is mine". It breaks my heart and i am not sure how to handle it. How can I tell my kid that the father doesn't want to be involved in a polite way so that it doesn't break my kid.
Ans: Dear Sushma,
I am sure this is really tough for you.
What I can suggest is actually reading out books to him that explain separation/divorce through stories. This will enable him to understand that there are families and not all families are the same. But do ensure that you give him a good image about his father. Bitterness as a seed can grow and that is not healthy for a child at all. As the story progresses, you may want to insert the truth that in some families, the father/mother are not involved and choose to be away. This maybe difficult for him to fathom right now but slowly comparing his life with his friends, he will have more questions as he grows up. Take it one day at a time...break the truth gently and very age appropriately and right now, stories seem to be the better way.

Later in life as he grows even older, he can choose to seek and understand the truth in his own way. It may seem like a big contrast then but he will know that you had in his childhood come from a space of concern for his emotional growth.

You may also check in with other single mothers and they will surely have some things to share on it...at the end of the day, do what you think is right as a mother for your child.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ramalingam

Ramalingam Kalirajan  |7162 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 27, 2024

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Money
Dear Sir, I am 38 years old and I want to invest 60 lakh in mutual fund as lumpsum or STP over one year. I am planning to break it to 4 parts of 15 lakh each and invest in Nifty 50, Nifty midcap 150, one multi cap and one flexi cap. I have an invest horizon of 20 years. I have invested in real estate so I have already diversified myself so want to stick to mutual funds for 60 lakhs. Please advise if this is wise or am I being dumb?
Ans: Your financial planning shows a clear and thoughtful approach. Allocating Rs 60 lakh with a 20-year horizon is wise. However, let’s evaluate your strategy to ensure optimal diversification, risk management, and returns.

Diversification Achieved:
Your existing real estate investments ensure risk is spread across asset classes.

Long-Term Horizon Advantage:
A 20-year horizon allows you to absorb market volatility and maximise compounding benefits.

Focus on Mutual Funds:
Sticking to mutual funds for this corpus is logical and efficient.

Reassessing Your Allocation Plan
Lumpsum vs Systematic Transfer Plan (STP):
Lumpsum investment can expose you to market timing risks. Use STP over 12–18 months to reduce volatility.

Equity Fund Categories Selection:
Your idea of investing in large-cap, mid-cap, multi-cap, and flexi-cap funds is balanced.

Issues with Index Fund Allocation
Concerns with Nifty 50 and Nifty Midcap 150:
Index funds lack active management, leading to missed opportunities during market fluctuations.

Benefits of Actively Managed Funds:
Active funds aim for better returns through expert fund manager insights and stock selection.

Advantages of Multi-Cap and Flexi-Cap Funds
Multi-Cap Funds:
These funds provide exposure across large-cap, mid-cap, and small-cap segments, ensuring balanced growth.

Flexi-Cap Funds:
Fund managers can freely allocate investments to market segments based on opportunities.

Complementary Approach:
Combining these funds with active large- and mid-cap funds ensures robust diversification.

Strategic Recommendations
Adopt a Blend of Active Funds:
Replace index funds with actively managed large- and mid-cap funds.

Focus on Quality Fund Selection:
Choose funds with consistent long-term performance and experienced fund managers.

Allocate Based on Risk Appetite:
Consider 60–70% allocation to equity funds for growth and 30–40% to hybrid or debt funds for stability.

Start STP Immediately:
Park your lumpsum in liquid funds and systematically transfer to equity funds monthly.

Taxation Awareness
Equity Mutual Funds Tax Rules:

LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
Debt Funds Taxation:
LTCG and STCG are taxed as per your income slab.

Plan Exit Strategy:
Use SWP (Systematic Withdrawal Plan) after 20 years to optimise tax benefits.

Risks and Monitoring
Mitigate Market Risks:
Diversified fund selection and STP lower volatility risks.

Review Regularly:
Monitor your portfolio yearly and rebalance if needed.

Avoid Over-Concentration:
Ensure no single fund category dominates your portfolio.

Additional Suggestions
Emergency Fund:
Ensure an emergency fund of at least 6–12 months' expenses.

Insurance Coverage:
If not already covered, secure adequate health and term insurance.

Avoid Unnecessary Additions:
Stick to mutual funds without over-diversifying into unrelated assets.

Final Insights
Your planned allocation reflects thoughtful diversification and long-term focus. Replacing index funds with actively managed funds can enhance returns. Using an STP will balance market volatility effectively. With consistent monitoring and expert fund selection, your Rs 60 lakh investment can achieve your 20-year goals.

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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