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Maxim

Maxim Emmanuel  | Answer  |Ask -

Soft Skills Trainer - Answered on Mar 26, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
Asked by Anonymous - Mar 24, 2024Hindi
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Career

I have completed Electronics and communication engineering. I want to do job in UK. So how can I apply for UK

Ans: Well why UK..!? what's so special..

OK it's your call however realise one thing the other side of the grass is always greener!?

Having said so. What's your proficiency of the English language, have you appeared and passed those international test's.

Now.. Apply for organisations that need your expertise and if they don't find UK CITIZENS with such skills and knowledge, you will be considered!

All the best!
Career

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Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on Aug 03, 2023

Asked by Anonymous - Jul 17, 2023Hindi
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Career
Hi, I am an engineer with 11 years experience in technical sales.How can i take up a job in UK and move forward in my career.
Ans: Hello,

I understand that transitioning your career to the UK can be an exciting opportunity for personal and professional growth. To successfully take up a job in the UK and move forward in your career as a technical sales engineer, consider the following steps:

Research Job Market and Requirements: Start by researching the job market in the UK for technical sales roles. Look for companies and industries that align with your expertise and experience. Review the specific job requirements and qualifications expected by employers.

Work on Your CV and Cover Letter: Tailor your CV to the UK format and ensure it highlights your relevant experience, skills, and achievements. Craft a compelling cover letter that explains your intention to work in the UK and how your expertise can benefit potential employers.

Networking and Online Presence: Engage in networking both online and offline. LinkedIn can be a valuable platform to connect with professionals and potential employers in the UK. Building a strong online presence can also help recruiters discover you.

Visa and Work Authorization: Check the UK government's official website to understand the visa and work authorization requirements. Ensure you have the necessary visa to work legally in the UK.

Search for Job Opportunities: Utilize job search platforms like Indeed, Glassdoor, and specialized engineering job boards to find suitable openings. Attend virtual job fairs and industry events to connect with employers directly.

Prepare for Interviews: Be ready for remote interviews or, if possible, travel to the UK for face-to-face interviews. Research the companies you interview with and practice answering common technical sales interview questions.

Highlight Your International Experience: Emphasize the value of your 11 years of technical sales experience in your interviews. Showcase how your diverse background and international exposure can bring unique perspectives to UK-based companies.

Continued Professional Development: Stay updated with industry trends and advancements in technical sales. Consider obtaining certifications or additional training to enhance your skills and marketability.

Cultural Adaptation: Understand and adapt to the cultural differences in the UK workplace. Being culturally aware and open-minded will help you integrate smoothly into the new work environment.

Be Persistent and Patient: Securing a job in a new country can take time. Be persistent in your job search, keep applying, and don't get discouraged if the process takes longer than expected.

Remember, moving to a new country for work can be a transformative experience. Stay positive, embrace the challenges, and be open to new opportunities that may arise along the way. Good luck with your job search and career advancement in the UK!

Regards,
Abhishek Shah

..Read more

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Mutual Funds, Financial Planning Expert - Answered on Mar 20, 2025

Asked by Anonymous - Mar 20, 2025Hindi
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Money
Sir Namaskar. I need 10 lac. I can put around 15-20k every month. I am now at 57. Please suggest me the way out. Regards
Ans: You need Rs. 10 lakh.
You can invest Rs. 15K–20K per month.
You are 57 years old.
A structured approach will help you reach your goal efficiently. The right investment choices, tenure, and risk management will be key.

Assessing the Timeframe
If you need Rs. 10 lakh within 3 years, a low-risk strategy is better.
If you have 5+ years, you can take moderate risk for better returns.
Your risk appetite, income stability, and other financial commitments also matter.
Short-term and long-term plans need different strategies.

Choosing the Right Investment Strategy
Low-Risk Approach (For 3 Years or Less)
Bank recurring deposits (RDs) offer stable but low returns.
Short-term debt mutual funds give slightly better returns than RDs.
Fixed deposits (FDs) in small finance banks provide higher interest.
Corporate bonds of high-rated companies can offer fixed income.
These options are safe but may not beat inflation.

Moderate-Risk Approach (For 3–5 Years)
Conservative hybrid mutual funds balance equity and debt.
Dynamic bond funds adjust based on interest rate changes.
Post office savings schemes offer security but fixed returns.
Gold ETFs can act as a hedge against inflation.
Moderate risk gives better returns than FDs but needs periodic review.

Growth-Oriented Approach (For 5+ Years)
Actively managed flexicap mutual funds allow growth with risk control.
Large & midcap funds balance safety and higher returns.
SWP (Systematic Withdrawal Plan) after 5+ years can give monthly income.
Sectoral funds (like pharma, IT) are riskier but can boost returns.
Long-term investing helps wealth grow faster than inflation.

Managing Liquidity and Emergency Needs
Always keep 6 months’ expenses in a savings account or liquid fund.
Avoid investing all your money in one asset class.
Keep some investments easy to withdraw in case of emergencies.
Liquidity management ensures financial stability while you invest.

Tax Efficiency in Investments
Debt mutual funds are taxed as per your income slab.
Equity mutual funds have 12.5% LTCG tax after Rs. 1.25 lakh gains.
FDs have TDS if interest crosses Rs. 40K (Rs. 50K for senior citizens).
Choosing tax-efficient instruments will maximize net returns.
Tax planning helps in retaining more earnings.

Retirement Considerations While Investing
Since you are 57, your investment should not affect retirement savings.
If your pension or other income is fixed, don’t take excess risk.
If you have additional savings, you can afford a balanced approach.
Avoid investing everything in equity unless you have surplus funds.
Retirement safety should be a priority while planning for Rs. 10 lakh.

Practical Investment Plan Based on Timeframe
If Needed in 3 Years
50% in short-term debt funds.
30% in fixed deposits or post office schemes.
20% in high-rated corporate bonds.
Low risk with steady returns.

If Needed in 5 Years
50% in conservative hybrid funds.
30% in large & midcap equity funds.
20% in short-term debt funds.
Balanced risk with potential growth.

If Needed in 7+ Years
60% in actively managed equity funds.
20% in hybrid funds for stability.
20% in gold ETFs or debt funds.
Higher risk but better long-term gains.

Avoiding Common Investment Mistakes
Don't keep all savings in FDs, as they give low post-tax returns.
Avoid high-risk stocks or thematic funds if you need funds soon.
Never invest emergency funds in volatile assets.
Review investments annually to stay aligned with the goal.
A disciplined approach prevents financial stress.

Finally
Your Rs. 10 lakh goal is achievable with systematic investing.
Choose the right asset mix based on your timeframe and risk level.
Keep tax efficiency, liquidity, and retirement security in mind.
Regular review and professional guidance will optimize your returns.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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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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