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Sushil

Sushil Sukhwani  |564 Answers  |Ask -

Study Abroad Expert - Answered on Apr 11, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Rohit Question by Rohit on Mar 25, 2024Hindi
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Career

I have completed my btech in civil engineering. And want to pursue mba from abroad

Ans: Hello Rohit,

To begin with, thank you for contacting us. I am glad to hear that you have completed your Bachelor’s of Technology in Civil Engineering and now wish to pursue an MBA degree overseas. I would like to let you know that after finishing a B.Tech in Civil Engineering, studying an MBA abroad can be a wise decision, one that offers a distinct blend of business and technical skills. Remember, to expand your employment prospects, switching from civil engineering to an MBA abroad can be a sensible decision.

A myriad of opportunities worldwide in sectors viz., real estate development, construction management, or infrastructure finance can be unlocked owing to the amalgamation of civil engineering technical expertise and MBA-level management skills. You would be glad to know that in addition to acquiring a multicultural viewpoint, you will also have access to top-notch education, possibilities for networking, and professional growth prospects in an increasingly interlinked world by studying an MBA overseas.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |564 Answers  |Ask -

Study Abroad Expert - Answered on Apr 11, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Career
I want to go to uk for my MBA I'm currently pursuing my graduation in international business please give me some advice
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that you are currently pursuing your undergraduate degree in International Business after which you intend pursuing an MBA in the UK. I would like to let you know that taking into account the prominent business institutions as well as the country’s multicultural environment, opting for an MBA in the UK can be a fruitful choice. As you are presently studying international business, I believe you most certainly already possess a solid understanding of global commerce, which will prove beneficial throughout your MBA degree. Nevertheless, I would recommend that you carry out a comprehensive research pertaining to the various MBA programs provided by universities in the UK prior to applying.

As a first step, I would suggest that you take into account the program accreditation, course outline, experience of the faculty members, as well as possibilities to acquire hands-on experience, viz., internships or consultancy engagements. Not just that, evaluate the fields of specializations that each program has to offer in order to make sure that they resonate with your professional objectives in the domain of international business. Remember that establishing ties in the business environment can greatly improve your employment opportunities after completing an MBA, and for that reason, I would suggest that you explore the networking possibilities that each school has to offer.

Moreover, throughout your stay in the UK, adapt yourself to the various cultures. Your academic journey will be greatly enhanced and you will be able to develop a global mentality, a vital asset in the interconnected corporate world of today, through interacting with people of diverse backgrounds and experiences both within and outside of the classroom. Lastly, in order to acquire guidance and knowledge pertaining to your goals, I would recommend that you get in touch with mentors or students who have previously followed same avenues.

Remember, your MBA program in the UK can greatly enhance your career objectives in international business if you prepare carefully and work hard.

For more information, you can visit our website.

..Read more

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Dr Ashish

Dr Ashish Sehgal  |115 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 23, 2024

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Relationship
Sir as I previously take your view about my situation...sir you tell that in love understanding between partner is important.but sir my partner doesn't want to talk with me.I just never think that he will give up so easily.
Ans: It’s interesting, isn’t it, how relationships often mirror the patterns of communication we create within them? When one partner feels distant or unwilling to talk, it’s less about them giving up and more about a shift in the way they’ve been feeling understood—or misunderstood.

You see, communication isn’t just about words; it’s about emotions, intentions, and the unspoken messages we convey. If your partner isn’t talking, perhaps they’re saying something without words. And that’s where curiosity becomes your ally.

Instead of focusing on the silence, what if you shifted your attention to understanding what that silence represents? Maybe it’s disappointment, frustration, or even fear. But the key is, you can’t solve what you assume—it’s about discovering what’s really there.

And let me ask you this: if you were to step into their shoes for a moment—just imagine being them—what might they feel? What might they need to hear from you, or perhaps sense from your presence, that could bring a spark of connection back into the conversation?

Love is rarely about giving up. It’s about learning to communicate in a way that feels safe and understood. And if you’re willing to stay open, willing to listen to the quiet messages, you may find a new way forward—one step at a time.

...Read more

Ramalingam

Ramalingam Kalirajan  |7322 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 23, 2024

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Money
Hi Mr. Ramalingam, Can I check New Asset class (Specialized Investment Fund SIF) for 10 lakhs investment for my kids education(Right now 4months old). Thank you for your response.
Ans: Investing Rs 10 lakhs for your child’s education is a thoughtful decision.

Your child is 4 months old, so you have a long investment horizon.

Currently, SIF is not yet launched or operational.

Equity Mutual Funds: A Reliable Option
Equity mutual funds are proven for long-term goals like education.

They offer inflation-beating growth over a 15-18 year period.

Start investing now to benefit from compounding.

Choose funds with a consistent track record.

Wait and Observe SIF Performance
SIF is a new asset class and lacks a performance track record.

It’s wise to wait for its launch and review its stability.

Assess the fund's returns, risk profile, and management quality.

Investing in an untested asset could increase risks unnecessarily.

Diversify Investments Over Time
Initially, focus on equity mutual funds for growth.

Later, as SIF stabilises and performs well, consider it.

Diversify across asset classes gradually based on market insights.

Final Insights
Begin with equity mutual funds for your child’s education fund.

Monitor SIF's launch and performance over the next few years.

Decide on SIF only after it demonstrates a solid track record.

Keep your investments aligned with your long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Milind

Milind Vadjikar  |790 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 23, 2024

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Money
I& my wife is 32. What would our ideally retirement corps. I assume 20Cr. Correct me if I'm wrong. My current saving & income are below - 1) Rs 2,40,000 take home per month combined. 2) We both have PPF for the last 7 years contributing 1.5L each year from starting and plans to continue till 60. 3) LIC will give us 2Cr when we hit 60. 4) NPS we contribute 1L per each year form 2022 combined plans continue till 60. 5) Mutual Fund of SIP Rs 10,000 each month for last 1 year combined plans continue till 60. 6) APY we will get 5000 per month at 60. 7) FDs of Rs 36Lakh 8) Gold of Rs 15Lakh bonds 9) Got Inherited Rs 1.6Cr in form of FDs 10) Have Medeclaim of 40Lakhs and have own house. 11) Monthly expenses is around 40,000. 12) Have 1 year old Kid. 13) Have PF of 8 lakhs and will grow till 60. Also taking Gratuity in account.
Ans: Hello;

Your current monthly income need of 2.4 L will grow up to 12.27 L after 28 years (At your retirement age of 60) considering 6% inflation.

Assuming your expenses at retirement will reduce so you may need 75% of this income to cover your expenses at that time therefore you may need a monthly income of 9.2 L.

To generate this income you may need a corpus of 27 Cr(Min.) at the age 60 that may generate post-tax monthly income of around 9.2 L.

Your investments will grow as follows,

1. PPF: 1.5 L per person per year for 35 years will grow into a corpus of around 4.32 Cr. (6.9% return assumed)

2. LIC: policy maturity proceeds will provide 2 Cr at age 60.

3. NPS: 1 L per person per year may grow into a sum of 2.5 Cr at 60.(8% return considered)

4. MF sip of 10 K may grow into a sum of 2.05 Cr at 60. (10% return considered)

5. FD of 36 L will grow into a sum of 2.1 Cr if held till 60. (6.5% return assumed)

6. Gold in form of bonds if reinvested into gold mutual funds and held till 60 may yield a corpus of around 1.1 Cr. (7% return assumed)

7. Inherited funds if held in FD till the age of 60 may yield a corpus of 9.9 Cr.
(6.5% return considered)

8. EPF is expected to grow into a sum of around 1.8 Cr at the age of 60.(7% return considered)

A summation of investment values at 60 indicates a sum of around 25.77 Cr thereby hinting at a gap of around 1.23 Cr.

You may begin another monthly sip of 7 K now which may grow into a sum of around 1.3 Cr by 60 age.(10% return assumed)

If the mediclaim policy is from employer, do buy a personal health care cover after 50-55 for your family for post retirement needs.

I presume you both have adequate term life insurance cover apart from LIC policy.

The financial goal for your kid's education and family expansion, if any, is not factored here. You may need to plan for it suitably.

Also it appears that your allocation to equity is quite low, may be due to limited risk appetite but you have time on your side and although short to medium term(5-7 yr) equity asset class may be impacted due to volatility but over a long-term(10 yr+) they have demonstrated good inflation adjusted returns so may be you may consider to increase allocation through hybrid funds suiting your risk appetite.

Happy Investing;
X: @mars_invest

...Read more

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