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Sushil

Sushil Sukhwani  |614 Answers  |Ask -

Study Abroad Expert - Answered on Mar 27, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Asked by Anonymous - Sep 25, 2023Hindi
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Career

My daughter is doing BA Hons. in Liberal Arts with English as a major subject. She is in second year. She has interest particularly in English although other subjects are also taught. Could you guide a good masters program for her in India and abroad?

Ans: Hello. To begin with, thanks for reaching out to us.

To answer your question first, pursuing a master’s in English opens an ample amount of opportunities for advanced studies.

Studying English abroad gives all its students the opportunity to express themselves effectively in both formal and informal contexts. Also, as a student, your daughter would benefit from a good education and better opportunities for growth.

Given your daughter’s background, the best program she can choose from are: Master of Studies (Mst) in English and literature literature (University of Oxford, UK); Master of Arts (AM) program in English (Harvard University, USA); Master of Philosophy (M.Phil) in English Studies (University of Cambridge, UK); Master of Arts (MA) in English (Australian National University); and Master of Arts (MA) in English literature (University of Toronto, Canada).

Ensure that your daughter checks the program’s curriculum, faculty expertise, and other available resources. Also, the location, cost, and career opportunities play an important role.

For further assistance, you can get in touch with us
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Sushil

Sushil Sukhwani  |614 Answers  |Ask -

Study Abroad Expert - Answered on Apr 14, 2023

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My daughter is in her final semester of Philosophy Hons. She had studied French (from sixth to tenth) and Spanish in college as vocational course. She wants to do her masters, which one is advisable for her. Kindly suggest what would be the appropriate course she could do related to her course .
Ans: Hello Sangeeta,

First and foremost, thank you for contacting us. There are a number of Master's degree possibilities that your daughter would find appealing given her background in Philosophy, French, and Spanish. Listed below are a few:

1. Philosophy: Your daughter could expand her understanding and skill in her area of study by pursuing a Master's degree in philosophy. She can specialise in a branch of philosophy viz. ethics, metaphysics, epistemology, or philosophy of mind.

2. Linguistics: Given her fluency in both French and Spanish, your daughter may like to pursue a Master's degree in Linguistics, the scientific study of language specializing in either sociolinguistics, psycholinguistics, or computational linguistics.

3. International Relations or International Studies: Your daughter, with her language abilities and Philosophy background, could possibly seek a Master's degree in International Relations or International Studies. The study of international politics, economies, and cultures is often the main emphasis of these programs and can lead to jobs in foreign policy, diplomacy, international organisations, or NGOs.

4. Comparative Literature: A Master's degree in comparative literature, which covers the study of literature from other cultures and languages, would be an additional choice. Her knowledge of French and Spanish could be useful in analysing literary works from these countries, and she could investigate subjects like cross-cultural literary analysis, translation studies, or cultural studies.

5. Cultural Studies: A Master's in cultural studies may be the right choice if your daughter is drawn to multidisciplinary approaches to culture and society. With specialisations like gender studies, race and ethnicity studies, or postcolonial studies, this area investigates the interconnections of culture, identity, politics, and society.

Based on your daughter's experience in Philosophy, French, and Spanish, these are just a few recommendations for Master's degree alternatives. When picking a choice, it's critical for her to conduct thorough study and take into account her interests, abilities, and long-term career ambitions. Encourage her to investigate several programs, consult with experts or mentors in her area of interest, and think about her own goals so as to make a decision that fits her interests and professional goals.

For more information, you can visit our website.

..Read more

Dr Karan

Dr Karan Gupta  |128 Answers  |Ask -

International Education Counsellor - Answered on Jun 20, 2025

Career
Hi sir My daughter is doing fourth sem btech in biotechnology and biochemical engg from a govt college in Trivandrum.She plans for masters abroad mostly US. can u please guide on how to go about it.
Ans: Hi, it’s great that your daughter is planning ahead. Since she’s in 4th semester now and wants to do her Master’s abroad, especially in the US, here’s a simple step-by-step guide:

1. Focus on Academics
Keep her CGPA as strong as possible—above 8.0 ideally. US universities value consistent academic performance.
2. Start Building Profile
• Internships: Try to get internships in biotech or related fields, even if they’re small.
• Projects/Research: Encourage her to work on mini-projects or assist professors in research.
• Online Courses: She can take 1-2 certification courses (Coursera, edX) in relevant areas like bioinformatics, genetics, or data analysis.
3. Prepare for Exams
• GRE: Start preparing by 5th semester if required by target universities (some have waived it, but it’s still accepted by many).
• TOEFL or IELTS: Needed to prove English proficiency. She can prepare after GRE.
4. Shortlist Universities
By 6th or 7th semester, shortlist about 8–10 universities based on her interest, budget, and profile. A mix of ambitious, moderate, and safe options.
5. Application Process (During final year)
• Write strong SOP (Statement of Purpose)
• Get LORs (Letters of Recommendation) from professors/internship guides
• Prepare resume with academic and co-curricular highlights
• Apply around Oct–Dec of final year (deadlines vary, so check early)
6. Scholarships
Most MS programs offer partial funding or research assistantships. Having good academic and research background helps.
7. Visa Process
Once she gets admission, start preparing for visa interviews and financial documents.
Let her start slow and steady now. No need to rush, but the earlier she plans, the smoother it will be.

..Read more

Latest Questions
Janak

Janak Patel  |62 Answers  |Ask -

MF, PF Expert - Answered on Jul 17, 2025

Money
I am 34 years old woman. Want to retire at the age of 50 years. I have 28 lacs PPF,360000 NPS, 3 mutual funds approx 60k in each. 11 lacs in PF. 2 loans - personal and car loan for 5 years. Personal loan already 1+ year gone car loan 2+ year gone.
Ans: Hi Priya,

Current Investments -
Your current investments are more (over 90%) in Debt than Equity e.g. PF (PPF+PF) = 39 lacs out total 44.4 lacs.
Debt investments like PPF/PF provide safely and security to the invested capital. But the interest rates just about help meet inflation. Growth is not achieved with these investments in the true sense.
Equity based investments like Equity Mutual Funds will provide growth in the long term (at least 5 years, and you have a good 16 years). Your current allocation is just over 6 lacs even assuming NPS as equity (check and update allocation to equity to max possible).

Loans-
Personal loans will typically have very high interest rates. This should be the first one you should try to close as early as possible. There is no point allocating any savings to investment giving less returns and paying high interest in this loan.
Car loan can continue as per schedule as its interest rate will be much less compared to Personal Loan. Unless you can prepay and close it also early, depending on your saving potential.


To retire early at age 50, you have the next 16 years to grow your corpus to a respectable amount.
I assume you are employed and contributing to PF and NPS. Hopefully you are contributing regularly to Mutual Funds also.
As income, expense and saving/investing details are unavailable I can provide some guidelines only.
Do try to maximize your monthly investment towards Equity Mutual Funds to accumulate a decent corpus for retirement.
Unless you are claiming tax benefits for PPF, consider lesser contribution to it now.
By the time you retire your Equity and Debt should be near 50% each, there by providing you safety and growth. In fact you can try to achieve higher Equity % if possible.
Overall your corpus should fetch average of over 10% returns (currently its under 8%).

Action items
1. Pay off personal loan ASAP
2. Invest maximum savings into equity mutual funds
3. Once you have done above 2, consult a CFP to help with retirement corpus - this depends on various factors, monthly expenses, life expectancy, etc.
4. Ensure you have adequate health cover. Take a topup plan with a higher coverage and lower premiums.

If you have other goals/requirements, then do discuss with CFP and arrive at a holistic plan.

Thanks & Regards
Janak Patel
Certified 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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