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What's the Best Career Path for My Daughter After Completing Her BSc in Cardiac Technology?

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |280 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Mar 15, 2025

Dr Nagarajan JSK is an associate professor and former head of medical research at the JSS College of Pharmacy, Ooty.
He has over 30 years of experience in counselling students towards making the right career choices, particularly in the field of pharmacy.
As the JSS College placement officer, he has helped aspiring professionals prepare for and crack job interviews.
Dr Nagarajan holds a PhD in pharmaceutical sciences from the JSS Academy of Higher Education And Research, Mysore, and is currently guiding five PhD scholars.... more
Jagannath Question by Jagannath on Mar 12, 2025Hindi
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Career

My daughter is completed her Bsc cardiac technology and presenty pursuing intership at Monipal Hospital, Bengalore. Can you advice which will be best oppertunity for further

Ans: Hi Jagannath,
Greetings.
Since your daughter has chosen a specialized course in Bachelor of Cardiovascular Technology, there are several options available in hospitals specifically for this field. You mentioned that she is currently undergoing an internship at Manipal Hospital in Bengaluru. She should take advantage of this opportunity to enhance her skills during her internship.

As cardiovascular diseases are increasingly common due to stress and other factors, she has the potential to build a rewarding career. Here are some potential roles she could consider:

Cardiovascular Technologist: Assisting cardiologists in diagnostic and therapeutic procedures.
Cardiovascular Technician: Supporting cardiologists in various clinical settings.
Cardiac Care Technologist: Providing support and care for patients with cardiac conditions.
Sonographer: Using ultrasound technology to monitor and assess patients.

Other career options include:
- Echocardiography Technician
- Electrophysiology Specialist
- Dialysis Technician
Encourage her to make the most of her time at Manipal Hospital and explore the various career paths available in this growing field.

Best wishes to your daughter for a bright and successful future.

POOCHO. LIFE CHANGE KARO.
Career

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I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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