Sir i I completed my msc microbiology now i decided to do phD . Is doing phD in abroad is better option or not, is it possible to complete phD in abroad by a girl from middle class andhrapradesh.can u please suggest the way how can i reach my goal.

Hello Sir, I currently have ?5 lacs sitting idle in my savings account and I'm looking for the best way to manage this money considering my financial situation and future needs. Here's a breakdown of my financial state: - Investments: Already invests in equity mutual funds monthly with a long-term horizon. - Insurance: Covered with both health and term insurance. - Emergency Fund: Have 6 months' worth of expenses saved. - Monthly Savings: After all expenses and SIP contributions, I save an additional ?30k each month. - I have an additional ?4 lacs in another bank account for immediate expenses if needed. Personally would like to categorise investments in two categories: - Non-redeemable Mutual Funds: Invest & forget. For a 10-15 year investment horizon. Let compounding do the magic in long term. - Redeemable Mutual Funds: Low to moderate risk. Safer options that offer better returns than FDs, ensuring at least the buying power of the money doesn't decrease / beats inflation. Goals for the Idle Money + additional ?30k savings each month: I might need to access this money in the next 2-5 years, or I might not. I'm considering placing it in redeemable mutual funds category (mentioned above), so I can withdraw if necessary for future expenses. Given this scenario, I’m looking for recommendations on specific types of mutual funds that meet these criteria. Any advice on managing these funds effectively would be greatly appreciated!