I have completed 6 years in Delhi based company and resigned but now company is not giving gratuity as it is not mentioned in offer etter. kindy suggest what to do. Sharad Kulshrestha

Ans: I don't know how you have come to this career program of hospitality and fabric garment.

Please pursue a BHM (BACHELOR IN HOSPITALITY MANAGEMENT) from a proper university that has good market standing and placement record.

Kindly check out ITC HOTEL MANAGEMENT program, where there's a placement benefit too!

Ans: I believe you are planning to do a career course correction, understand what's making you do it, Evaluate the pros and cons, don't jump from frying pan to fire.

There are many such courses, please find one that's aligned to a proper university, where you attend classes, online programs have scant value.

Ans: Btech is an in demand program and AI is happening however cyber cell is a niche program, you can pursue if want to do your IPS (INDIAN POLICE SERVICE

Ans: It's important that you pick up a program which is aligned to a proper university and has an uptodate curriculum.

Go ahead and find out which suits your requirements and budget,depending on your place of residence!

Ans: It's never too late or early to learn how to draw and paint. I will give you some tips on how to get started and what art and drawing supplies you will need.

She can enroll into some credible schools for Art.

The immediate name is an iconic institute the JJ School of Art Mumbai.

However there are many many more.. Tale your call!

Ans: An excellent aptitude to learn music, the guitar is a western instrument, she can learn the guitar and get a proficiency certificate from the London School of Music.

At London School of Music, our structured and personalised lessons ensure that you're always playing at the right level for you. You'll be challenged, helping you to progress quicker than you ever could alone, but you'll also avoid frustration from the little things that can make you want to give up.

Study Guitar At Bimm — BIMM BA popular music performance degree with a specialty in guitar - Apply online today. Study a guitar performance degree at BIMM & kickstart your career in the music industry.

Wish her luck!

Ans: Given your risk aversion and focus on preserving capital while beating inflation, here's a suggested approach for further investments:

Fixed-Income Investments: Since you're apprehensive about equity, focus on fixed-income investments such as high-quality bonds, corporate deposits, or fixed deposits from reputable institutions. These investments provide stable returns and capital preservation, albeit with lower potential for growth compared to equity.
Government Schemes: Explore other government-backed schemes like the Senior Citizen Savings Scheme (SCSS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), or Post Office Monthly Income Scheme (MIS). These schemes offer attractive interest rates and safety of capital, providing a reliable income stream.
Debt Mutual Funds: Consider investing a portion of your corpus in debt mutual funds, particularly those with a focus on high-quality bonds and low-risk securities. Opt for funds with a track record of stability and consistent returns, aligning with your risk tolerance and investment objectives.
Systematic Withdrawal Plan (SWP): To meet your monthly expenses while preserving capital, consider setting up a systematic withdrawal plan from your investment portfolio. This allows you to withdraw a fixed amount regularly, ensuring a steady income stream while maintaining the principal amount.
Diversification: Even within fixed-income investments, diversify across different asset classes and investment vehicles to spread risk and optimize returns. Review and adjust your investment portfolio periodically to ensure it remains aligned with your financial goals and risk tolerance.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and goals. Together, you can create a comprehensive investment plan that meets your income needs, preserves capital, and safeguards your financial future.

Ans: Based on the information you've provided, you seem to be on a good track for retirement planning. Here's a breakdown to help you analyze your current situation and suggest some improvements for your retirement goals:

Current Scenario Analysis:

Investments:
Total Invested Amount: ?7,80,000 (lump sum)
Monthly SIP: ?29,000
PPF Investment: ?20,000 per year (approx. ?1667 per month)
SGB Investment: 18 units (total investment amount not available)
Retirement Age: 52 years (12 years from now)
Monthly Expenses: ?35,000
Points to Consider:

Investment Horizon: 12 years is a good timeframe for investments to grow for your retirement.
Diversification: While details of your mutual funds are not available, aim for a diversified portfolio across asset classes (equity, debt) to manage risk.
Inflation: Inflation can erode the purchasing power of your money over time. Factor in inflation when calculating your retirement corpus.
Retirement Lifestyle: Consider the lifestyle you desire in retirement and estimate the monthly expenses you might have.
Suggestions for Improvement:

Calculate Required Corpus: Use online retirement calculators or consult a financial advisor to estimate the total corpus you'll need based on your desired retirement lifestyle and expected inflation.
Review your SIP: Analyze your existing SIPs and their performance. You can consider increasing the SIP amount gradually as your income grows to reach your target corpus.
Asset Allocation: Ensure your mutual fund portfolio has an appropriate asset allocation based on your risk tolerance and remaining investment horizon. You might need to adjust the mix of equity and debt funds closer to retirement for more stability.
NPS (National Pension System): Consider exploring NPS, which offers tax benefits and a structured approach to retirement savings. However, the investment has a lock-in period until retirement with some exceptions.
Health Insurance: Having adequate health insurance coverage is crucial, especially as medical expenses tend to rise with age. Ensure you and your family have a comprehensive health insurance plan.
Here are some resources that can help you with retirement planning:

Retirement Calculators: Many online financial institutions and investment platforms offer retirement calculators.
SEBI (Securities and Exchange Board of India) - Investor Education on Retirement Planning: [invalid URL removed]
PFRDA (Pension Fund Regulatory and Development Authority) - NPS Website: https://www.pfrda.org.in/
Remember:

This is a general overview, and consulting a qualified financial advisor can provide personalized guidance based on your specific circumstances, risk tolerance, and financial goals.
Regularly review your investment portfolio and adjust your strategy as needed based on market conditions and your evolving needs.
By continuing with your current investments, exploring additional options, and carefully planning, you can increase your chances of achieving a comfortable and secure retirement.

Ans: I appreciate your trust and willingness to connect. Let's embark on this financial journey together. You can reach me at the details provided in my profile https://gurus.rediff.com/question/guru/ramalingam-kalirajan/137 or just do a google search to find my website. This platform has restrictions to share the personal contact. Hope you understand.