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How should I guide my daughter in 11th standard JEE preparation, considering her dependence on me in 10th?

Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Jul 01, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Puja Question by Puja on Jul 01, 2024Hindi
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Career

Sir My daughter is in 11 std .i have put her in jee coaching.pls guide us how should the prepration should be done as till 10th she was all dependent on me.

Ans: Puja Madam, Some PRACTICAL Strategies | Steps | Tips for your Daughter Here. (Wherever the Subject 'YOU' is used, it is applicable to your DAUGHTER Madam).

(1) Whenever you study at home, study for 45-minutes. Then take a break of 10-minutes when you can move away from your study table, walk, have some water & relax. If you continue studying beyond 45-minutes, your concentration power will go down, resulting to low output. Most students commit this mistake. (2) On daily basis (morning or evening whichever will be convenient to you), do yoga or meditation or physical exercises or play any games / sports for at least 30-45 minutes. This will further reduce your stress / distractions. (3) Study tough topics / tough subjects (applicable to you) early morning with your fresh mind. (4) Eat a lot of green vegetables / fruits which you can afford for & Avoid soft drinks (5) Every day night, before going to bed, revise whatever you have studied during the day. (6) Also, revise every week whatever you have covered till date (here your short-notes which you should prepare will be helpful). (7) Keep practising questions on topics which you have covered either offline or online (8) Give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (8) You might be aware that JEE rank is allotted on the basis of highest score in Maths, followed by Physics & Chemistry. Practice more and more in Maths, till you reach Speed & Accuracy (9) By the end of 9th/10th/11th/12th standard (December-January), attempt fully syllabus online test series, evaluate and analyse your performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb you when you appear in actual JEE exam (b) abnormal time taken to attempt any question which you can come to know from Online Test Series which you should reduce (c) which questions you skipped and why? (10) Please AVOID studying under pressure that you should get admission only into IITs/ NITs. Never advisable. Any one can be successful, even if he / she studies in NON-IIT / NON-NIT Colleges also. (11) Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams. (11) Avoid comparing yourself with other students. (12) Also, it is highly ideal to appear in / attempt minimum 5-Entrance Exams (for both Govt & Private Engineering Colleges). You will have a lot of options (easiest method) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Your Interest | Stream Preference | Placement Records | College Culture | Your Short & Long Term Goals | Pressure You Can Go Through | Your AIR & Job Market Condition when you apply for your BTech & Even after. I hope I have answered to your question with value additions.

All the BEST for your Daughter's Bright Future.

To Know More on ' Education | Jobs | Careers', please Ask / Follow me here in RediffGURUS.
Career

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Nayagam P

Nayagam P P  |4421 Answers  |Ask -

Career Counsellor - Answered on Jun 22, 2024

Asked by Anonymous - Jun 22, 2024Hindi
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Career
Sir my daughter is in grade 9.Can you please suggest some preparation strategy for iit-jee .Which is the best online coaching for iit-jee foundation for grade 9.
Ans: Prefer ALLEN Online Coaching Classes. AhaGuru is another Better Option, if fees of Allen is More. However, If you join AhaGURU, join just Allen's Online Test Series also to practice questions online. Go to both Website, check & choose more suitable one for you.

NOW Coming to Preparation Strategies:

(1) Whenever you study at home, study for 45-minutes. Then take a break of 10-minutes when you can move away from your study table, walk, have some water & relax. If you continue studying beyond 45-minutes, your concentration power will go down, resulting to low output. Most students commit this mistake. (2) On daily basis (morning or evening whichever will be convenient to you), do yoga or meditation or physical exercises or play any games / sports for at least 30-45 minutes. This will further reduce your stress / distractions. (3) Study tough topics / tough subjects (applicable to you) early morning with your fresh mind. (4) Eat a lot of green vegetables / fruits which you can afford for & Avoid soft drinks (5) Every day night, before going to bed, revise whatever you have studied during the day. (6) Also, revise every week whatever you have covered till date (here your short-notes which you should prepare will be helpful). (7) Keep practising questions on topics which you have covered either offline or online (8) Give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (8) You might be aware that JEE rank is allotted on the basis of highest score in Maths, followed by Physics & Chemistry. Practice more and more in Maths, till you reach Speed & Accuracy (9) By the end of 9th/10th/11th/12th standard (December-January), attempt fully syllabus online test series, evaluate and analyse your performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb you when you appear in actual JEE exam (b) abnormal time taken to attempt any question which you can come to know from Online Test Series which you should reduce (c) which questions you skipped and why? (10) Please AVOID studying under pressure that you should get admission only into IITs/ NITs. Never advisable. Any one can be successful, even if he / she studies in NON-IIT / NON-NIT Colleges also. (11) Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams. (11) Avoid comparing yourself with other students. (12) Also, it is highly ideal to appear in / attempt minimum 5-Entrance Exams (for both Govt & Private Engineering Colleges). You will have a lot of options (easiest method) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Your Interest | Stream Preference | Placement Records | College Culture | Your Short & Long Term Goals | Pressure You Can Go Through | Your AIR & Job Market Condition when you apply for your BTech & Even after. I hope I have answered to your question with value additions.

All the BEST for your Bright Future.

To know more on ‘ Careers | Education | Jobs’, please Ask / Follow me in RediffGURU here.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8230 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 14, 2025

Money
Hi I have invested about 16 lak in mirrae asset large and mid cap and current value is 21.5 lak , have stopped sip since a year. Pl advise is it advisable to keep the fund or to resume SIP or to switch other mirrae asset fund or to redem.
Ans: Your decision to review your Rs. 21.5 lakh corpus is very thoughtful.

You have already done the hard part — staying invested patiently. That deserves appreciation.

Let’s evaluate with a 360-degree view.



Review of Your Existing Fund

The large and mid cap category is built for balance. Growth + Stability.



This category holds 35% minimum in both large and mid caps. That ensures diversification.



Your investment in this fund has grown from Rs. 16 lakh to Rs. 21.5 lakh.



That means you are already sitting on long-term capital gains.



Stopping SIP a year ago was not a wrong move. But restarting must be evaluated now.



Past performance of this fund has been steady. Not flashy, but solid.



Performance vs peers is above average over 5 years. That shows it is consistent.



Portfolio quality is decent. Exposure to leaders in large caps and promising mid caps.



Fund manager is stable and has decent track record. There is no red flag.



Should You Stay Invested?

Yes, this fund is still investment-worthy if your goals are 5+ years away.



No urgent need to exit unless your goal is nearing.



If it aligns with your asset allocation, you can keep the corpus as is.



If you're satisfied with the growth and risk level, it’s a good hold.



Don’t churn just for the sake of change. That hurts long-term returns.



Should You Restart the SIP?

Restart SIP only if your overall asset allocation allows more equity exposure.



Also, check if your existing portfolio lacks this category.



If you already have large cap and small cap funds, this fits well in the middle.



If SIP was helping you average cost over time, restarting can be useful.



If this is your only mid cap exposure, SIP will give future compounding benefit.



Should You Switch to Another Fund?

Only switch if:

Performance is poor compared to category

Fund manager has changed recently

You need to change investment style



Your fund is not underperforming. So switching is not necessary now.



Review style overlap before switching. Don’t hold two funds with same portfolio.



Fund style in this case is mostly growth-oriented with some quality bias.



If you switch to a focused or contra fund, your overall portfolio risk may rise.



Should You Redeem Now?

No need to redeem unless you need the money for goals.



Redeem in small chunks only if rebalancing your portfolio.



Also, remember the new capital gains rules.



For equity funds, LTCG above Rs. 1.25 lakh will be taxed at 12.5%.



Plan redemption carefully in a financial year to manage taxes.



Disadvantages of Direct Funds

Direct plans look cheaper, but advice is missing.



You invest without regular review and support.



A certified financial planner or MFD gives timely rebalancing suggestions.



Regular plans have small cost, but offer long-term tracking and service.



Emotional mistakes are common in direct mode. Panic selling happens often.



Stick to regular plans with professional help for peace of mind.



Stay Away from Index Funds

Index funds may sound passive and safe. But they lack flexibility.



In a falling market, they continue holding bad companies.



No chance to exit underperformers like in active funds.



Fund manager cannot protect downside in index strategy.



In India, active managers still beat index in most time frames.



For goal-based investing, active funds offer more control.



Tax Aspects to Remember

Your gain from Rs. 16 lakh to Rs. 21.5 lakh includes long-term capital gains.



LTCG up to Rs. 1.25 lakh per year is tax-free.



Beyond that, 12.5% tax is applicable.



Short-term gains (less than 1 year) are taxed at 20%.



For future redemptions, plan in parts to reduce tax burden.



Portfolio Check Needed

Before any decision, check your total portfolio structure.



Do you have large cap, mid cap, flexi cap, and small cap balance?



Do you have thematic or sector funds? Those should be limited.



Ensure that you are not overexposed to just one AMC.



One fund house approach is risky if strategy underperforms.



Suggestions for Future Investing

Continue SIP in this fund if portfolio requires mid cap exposure.



Or, consider adding one flexi cap fund with value or blend style.



Keep portfolio to 4-5 funds. More than that reduces clarity.



If you want more growth, small cap fund can be added with caution.



Ensure that all funds are across different fund managers.



SIP of Rs. 10,000–15,000 per month is ideal to create Rs. 1 crore in 10–12 years.



Add lump sum only when market has corrected. Use STP if unsure.



Stay invested for full market cycles to see compounding power.



Asset Allocation Reminder

Keep 20–30% of your portfolio in fixed income.



Emergency fund and insurance should be ready before equity investing.



Don’t invest in equity if goal is less than 5 years away.



Avoid frequent fund switching. Let compounding work.



Review portfolio once in a year with your Certified Financial Planner.



Finally

Your decision to stop SIP and review is thoughtful.



The fund still has merit. No urgency to switch or exit.



Restart SIP if it helps you reach long-term goals.



Portfolio strategy should match your risk, goals, and horizon.



Don’t overcrowd your portfolio. Let each fund play a clear role.



Use professional guidance to avoid emotional decisions.



Focus on goal-based investing, not just returns.



Compounding needs time, patience, and discipline.



Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8230 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 14, 2025

Asked by Anonymous - Apr 14, 2025Hindi
Listen
Money
Where to invest 10000, one crore portfolio should be made in 10 years of every month
Ans: Assessing Your Investment Goal

You aim to accumulate Rs 1 crore in 10 years.

Planning to invest Rs 10,000 monthly towards this goal.

This requires a disciplined and strategic investment approach.

Let's evaluate the feasibility and suggest an optimal investment strategy.

 

Feasibility of Achieving Rs 1 Crore with Rs 10,000 Monthly Investment

Investing Rs 10,000 per month for 10 years totals Rs 12 lakh.

To reach Rs 1 crore, your investment must grow over eight times.

This implies an annual return of approximately 26-27%.

Such high returns are exceptionally rare and involve significant risk.

Therefore, achieving Rs 1 crore in 10 years with Rs 10,000 monthly is highly unlikely.

 

Recommended Investment Strategy

Increase your monthly investment to enhance the likelihood of reaching your goal.

Consider a monthly SIP of Rs 40,000 to Rs 45,000.

This assumes an annual return of 12%, which is more realistic.

Diversify your investments across various mutual fund categories.

Regularly review and adjust your investment portfolio.

 

Suggested Mutual Fund Allocation

Large Cap Funds: Allocate 40% of your investment.

Flexi Cap Funds: Allocate 30% for flexibility across market capitalizations.

Mid Cap Funds: Allocate 20% to capture growth potential.

Small Cap Funds: Allocate 10% for higher risk-reward opportunities.

 

Importance of Diversification

Diversification helps in managing investment risk.

It ensures exposure to various sectors and market segments.

Balances the portfolio to withstand market volatility.

Enhances the potential for consistent returns over time.

 

Regular Portfolio Review

Monitor your investment portfolio periodically.

Assess the performance of each fund category.

Rebalance the portfolio to maintain desired asset allocation.

Adjust investments based on changing financial goals and market conditions.

 

Tax Considerations

Be aware of the tax implications on mutual fund investments.

Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%.

Short-term capital gains (STCG) are taxed at 20%.

Plan your investments to optimize tax efficiency.

 

Final Insights

Achieving Rs 1 crore in 10 years with Rs 10,000 monthly investment is highly challenging.

Increasing your monthly investment enhances the feasibility of reaching your goal.

Diversify your investments across various mutual fund categories.

Regularly review and adjust your portfolio to align with financial objectives.

Stay informed about tax implications to maximize returns.

 

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...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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