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Maxim Emmanuel  |288 Answers  |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
Sonal Question by Sonal on Mar 23, 2023Hindi

I have completed second PUC in the year 2015. And later started own business in clothing filed and administrator in school. Now after marrige I want to start learning again for online job Which will be suitable course for me?

Ans: Hi Sonal,

Happy to see your zest to do something after your marriage.
Observing your entrepreneurial (business) mindset and the experience in the clothing field.
The immediate thing that comes to my mind is trading in clothes & apparel, online or offline either way.

If you want to try something different and learn something new for an online job, you could look for a online marketing training program.
Wish you luck!

You may like to see similar questions and answers below


Mayank Kumar  |192 Answers  |Ask -

Education Expert - Answered on Jul 04, 2023

Hi, My name is manik acharya, B.sc graduate (10+2+2) system. My age is 48+. I have basic computer knowledge. What course can give me a suitable and stable career?. I have around 12 years experience in Business development and customer relationship in large medicine shop. I need your help.
Ans: Hi Manik, considering your background and experience, several courses can provide you with suitable/stable career options:

Certificate in Retail Management: Given your experience in business development and customer relationship in a medicine shop, a certificate program in retail management can enhance your skills and knowledge in the field. It will equip you with the necessary competencies to manage operations, inventory, sales, customer service, and team management in a retail environment.

Advanced certification in Digital Marketing: As technology continues to play a significant role in business growth, a detailed understanding of digital marketing can open up opportunities for you. It could take you through various aspects of online marketing, including search engine optimization (SEO), social media marketing, content marketing, and analytics, and can also be valuable for positions such as digital marketing executive, social media manager, or SEO specialist.

Certification in Business Analytics: With your basic computer knowledge, a certification course in business analytics can be a suitable choice. This program will teach you how to use data analysis techniques to derive insights and make informed business decisions. Business analytics professionals are in high demand across industries and can work as business analysts, data analysts, or market research analysts.

Certification in Project Management: If you have strong organizational and leadership skills, a certification in project management can be a valuable addition to your profile. This course will equip you with the knowledge and tools required to successfully plan, execute, and manage projects. Project management skills are in demand across various sectors and can lead to roles such as project coordinator, team leader, or project manager. The profession of project management has recently become one of the hottest jobs, not only in the tech market but across industries. Demand for project managers is growing faster than demand for workers in other occupations and by 2027, 90 million individuals will need to be skilled in project-oriented roles.
The PMP certification can help you land lucrative roles in IT, manufacturing, finance, healthcare, and other exciting industries.

Certification in Healthcare Management: Given your experience in the medicine shop industry, a certification in healthcare management can provide you with a career path in healthcare administration. It will cover topics such as healthcare policies, hospital operations, healthcare marketing, and healthcare quality management. It can lead to roles like healthcare administrator, clinic manager, or operations manager in the healthcare sector.

Remember, while pursuing any course, it's essential to consider your interests, long-term goals, and market demand for specific skills. Conduct thorough research on the courses mentioned above, and evaluate their curriculum, duration, and potential career prospects. It is very important to align your domain interest with the course you'd want to pursue to ensure maximum accuracy of career outcome. Additionally, should you wish to gain further insights/ guidance tailored to your specific needs, feel free to connect with any career counsellors at upGrad.

..Read more

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Ramalingam Kalirajan  |4632 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 13, 2024

My age is 36 and I am investing currently 60000 per month in 7 funds.. and will increase my investment by 10% each year till 46..My goal is to reach 7cr.. in next 12 years.. and I have been invested since last 6 years.. I have a current corpus of 29 lacs.. from 14 lakh investment.. Please suggest.. Funds - Quant small cap PGIM midcap Nippon India small cap HSBC value fund Kotak flexi cap Mirae asset large and midcap HDFC small and midcap
Ans: You have been investing diligently for the past six years. Investing Rs. 60,000 monthly in seven different funds is commendable. You have a current corpus of Rs. 29 lakhs, built from an investment of Rs. 14 lakhs. This is a good achievement. Your goal is to reach Rs. 7 crores in the next 12 years.

Increasing your investment by 10% each year till age 46 is a smart move. It shows a commitment to growing your wealth. Let's delve into the specifics of your portfolio and goals.

Assessing Your Current Portfolio
Your portfolio includes a mix of small, mid, and flexi cap funds, which is a balanced approach. Here’s a breakdown of your funds:

Quant Small Cap
PGIM Midcap
Nippon India Small Cap
HSBC Value Fund
Kotak Flexi Cap
Mirae Asset Large and Midcap
HDFC Small and Midcap
This diverse selection of funds indicates you have a well-spread-out risk. However, there are some aspects to consider for optimizing your investments.

Disadvantages of Index Funds and Benefits of Actively Managed Funds
While index funds are popular for their low cost, they come with drawbacks. Index funds simply track a market index. They do not try to outperform the market. This means they only yield average market returns. Actively managed funds, on the other hand, aim to outperform the market. Skilled fund managers use their expertise to make strategic investment decisions.

Actively managed funds offer the potential for higher returns. They adjust investments based on market conditions and economic trends. This proactive approach can significantly enhance your portfolio's performance.

Disadvantages of Direct Funds and Benefits of Regular Funds through MFD with CFP Credential
Direct funds may seem attractive due to lower expense ratios. But they lack the guidance of a professional. Regular funds, through a Mutual Fund Distributor (MFD) with a Certified Financial Planner (CFP) credential, offer expert advice. They help tailor your investment strategy to your goals and risk tolerance.

A CFP can provide personalized recommendations. They assist in rebalancing your portfolio based on market changes. This professional guidance can enhance your investment outcomes, making regular funds a more advantageous option.

Evaluating Your Goal of Rs. 7 Crores in 12 Years
Your goal of achieving Rs. 7 crores in 12 years is ambitious yet achievable. The key lies in maintaining a disciplined investment approach and making informed adjustments. Increasing your monthly investment by 10% each year will significantly contribute to your goal.

Importance of Asset Allocation
Asset allocation plays a crucial role in achieving long-term financial goals. It involves spreading your investments across different asset classes. This strategy reduces risk and enhances returns. Your current portfolio has a good mix of equity funds. However, consider adding some debt funds to balance risk, especially as you approach your goal timeline.

Reviewing Your Fund Choices
Let's review your current fund choices in detail:

Quant Small Cap: Small cap funds have high growth potential but also high risk. Ensure it aligns with your risk tolerance.

PGIM Midcap: Midcap funds provide a balance between risk and return. They are a good addition to your portfolio.

Nippon India Small Cap: Similar to Quant Small Cap, evaluate its performance and risks.

HSBC Value Fund: Value funds invest in undervalued stocks. They are less risky and can offer good returns.

Kotak Flexi Cap: Flexi cap funds invest across market caps, offering flexibility and diversification.

Mirae Asset Large and Midcap: This fund provides exposure to large and midcap stocks, balancing stability and growth.

HDFC Small and Midcap: A combination of small and midcap stocks can offer good returns but with increased volatility.

Adding Debt Funds for Stability
Consider adding some debt funds to your portfolio. They provide stability and reduce overall risk. Debt funds invest in fixed-income securities, offering steady returns. They are particularly beneficial as you near your goal timeline.

The Role of SIPs in Wealth Creation
Systematic Investment Plans (SIPs) are a powerful tool for wealth creation. They instill financial discipline and allow you to invest regularly. SIPs benefit from rupee cost averaging, reducing the impact of market volatility. Your commitment to increasing SIPs by 10% annually will significantly boost your corpus.

Importance of Periodic Portfolio Review
Regularly reviewing your portfolio is essential. It helps ensure your investments align with your goals and risk tolerance. A Certified Financial Planner can assist in this process. They provide insights and recommendations based on market trends and your financial objectives.

Impact of Market Volatility
Market volatility is inevitable. However, it should not deter your investment journey. Staying invested through market fluctuations is crucial. Over time, markets tend to recover and grow. Maintaining a long-term perspective helps in achieving your financial goals.

Tax Efficiency in Investments
Consider the tax implications of your investments. Long-term capital gains from equity funds are taxed at 10% for gains above Rs. 1 lakh. Debt funds have different tax treatments. Understanding these can help in optimizing your post-tax returns. A CFP can provide guidance on tax-efficient investment strategies.

Emergency Fund: A Safety Net
An emergency fund is essential. It acts as a financial safety net in case of unexpected expenses. Aim to build an emergency fund covering 6-12 months of living expenses. This ensures you can stay invested and not liquidate investments during financial emergencies.

The Power of Compounding
Compounding is a powerful wealth-building tool. Reinvesting returns allows your investment to grow exponentially. Your plan to increase SIPs annually leverages the power of compounding. This strategy can significantly enhance your corpus over time.

Balancing Risk and Reward
Balancing risk and reward is crucial in any investment strategy. While equity funds offer high returns, they come with high risk. Diversifying into debt funds provides stability. Regularly reassess your risk tolerance and adjust your portfolio accordingly.

Benefits of Professional Guidance
Professional guidance can significantly enhance your investment outcomes. A Certified Financial Planner provides personalized advice tailored to your goals. They help navigate market complexities and optimize your investment strategy.

Leveraging Technology for Investment Tracking
Use technology to track your investments. Various apps and tools provide real-time updates on your portfolio's performance. They help in making informed decisions and staying on track with your financial goals.

Setting Realistic Expectations
Setting realistic expectations is crucial. While aiming for Rs. 7 crores is commendable, understand that market conditions can vary. Staying patient and focused on your long-term goals is essential.

Final Insights
Your dedication to investing is commendable. With a disciplined approach, you can achieve your goal of Rs. 7 crores. Regularly review and adjust your portfolio. Consider adding debt funds for stability. Seek guidance from a Certified Financial Planner for personalized advice. Stay focused on your long-term objectives and leverage the power of compounding.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


...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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