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Sushil Sukhwani |324 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 08, 2023

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

Question by Venkata on Nov 07, 2023Hindi

Career

My daughter is doing BDS(Bachelor of Dental Surgery) in India, what are the opportunities BDS graduates from India in USA for Postgraduate studies and what are prerequisites for it?

Ans: Hello Venkata,

First and foremost, thank you for getting in touch with us. I am happy to hear that your daughter is pursuing her Bachelor of Dental Surgery (BDS) in India and is keen on pursuing her postgraduate studies in the USA. To answer your question first, I would like to tell you that although postgraduate studies in Dentistry can be pursued by BDS graduates in the USA, they will need to take into consideration certain requirements and things. The academic prerequisites put in place by the American Dental Association (ADA) as well as the Commission on Dental Accreditation (CODA) will need to be first fulfilled by them. This generally entails finishing a doctoral program in dentistry that is for a duration of 4 years, one that compares to a D.D.S. i.e. (Doctor of Dental Surgery) or D.M.D. i.e. (Doctor of Medicine in Dentistry or Doctor of Dental Medicine) degree in the USA.

Graduates of Bachelor of Dental Surgery (BDS) may be required to complete an Advanced Standing Program in a dental school in the USA which is for a duration of 2 years, in order to pursue postgraduate studies. I would like to tell you that these programs are intended to fill in the gap between dentistry education provided in other countries and one that if offered in the USA. Also remember that you daughter will be required to pass the IELTS or TOEFL English proficiency tests to demonstrate her English language competency, as well as the National Board Dental Examination (NBDE). In addition, she will also need to obtain robust endorsement letters from professors or employers and showcase pertinent work experience. As the entrance prerequisites for dental schools in the USA might differ, and as there may be fierce competition for these programs, I would recommend that your daughter conducts an extensive study on certain dental schools. Lastly, I would like to say that with commitment and through satisfying the mandatory prerequisites, securing admission to a postgraduate dental program in the USA is definitely attainable.

For more information, you can visit our website.

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Geeta Ratra |125 Answers |Ask -Follow

Visas, Study Abroad Expert - Answered on Nov 07, 2023

Question by Ravindra - Oct 03, 2023Hindi

Career

Dear Madam, My daughter is competing her MDS (masters in dental surgery from Bharti Vidyapith Pune Maharashtra) in 2025. I wish her to go US for future practice. What are the ways to go and what is the expenses involved in this. She is 26 years old. Pl guide.

Ans: It's wonderful that your daughter is pursuing her MDS. To practice dentistry in the US, she'll need to complete a series of exams and gain licensure. The expenses can vary, but typically include exam fees, application costs, and possibly additional coursework. I recommend researching specific requirements and costs for the state she plans to practice in, as they can vary. It's also advisable to consult with educational and licensing authorities for up-to-date information and guidance. Best wishes for her future endeavors!

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Sushil Sukhwani |324 Answers |Ask -Follow

Study Abroad Expert - Answered on Nov 22, 2023

Question by vimal - Nov 21, 2023Hindi

Career

My daugher is doing BDS from Ahmedabad. what are the chances in india for the job after completing BDS, if she dont want to open her clinic? Is there any bright chances in abroad like canada to persue higher studies in same filed or to do practice after dentist after completing BDS from india

Ans: Hello Vimal,

To begin with, thank you for contacting us. I am happy to hear that your daughter is pursuing her Bachelor of Dental Surgery (BDS). To answer your question first, I would like to tell you that on completing her degree in India, it is possible for your daughter to pursue higher studies or practice dentistry abroad. You would be happy to know that dental graduates from India are presented with many opportunities to further their education or to practice dentistry by a number of countries, including Canada.

I would like to let you know that in order to qualify for licensure in Canada, international dental graduates are generally required to go through a process of assessment and examinations. With an aim to access their abilities and knowledge in the field of dentistry, this procedure may entail exams, and if necessary, further training or education. Nevertheless, remember that the specified prerequisites for each province may differ, and for that reason I would suggest that you conduct an extensive study and comprehend the rules in the province you choose to practice in.

In addition, bear in mind that in numerous nations, including Canada, you can also pursue programs specializing in dentistry, or study further viz., a Master's degree. Although having unique admission standards and requirements, a path to greater specialization and professional growth in the area of dentistry, is offered by these programs. Remember that while it is possible to explore possibilities abroad after earning a Bachelor of Dental Surgery (BDS) from India, I would recommend that you conduct an all-round study on the prerequisites and procedures required to study or practice dentistry in your preferred country.

For more information, you can visit our website.

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Mayank Chandel |415 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 14, 2023

Asked by Anonymous - Dec 12, 2023Hindi

Career

Hello Sir, my daughter would like to pursue medical profession (MBBS). She is US Citizen & OCI. we are currently living in India and would like to know what different options for her? since, in US, they have to do pre-med first before getting into MD, so she is interested in getting directly into degree course of medicine.

Ans: Hi,
If you can share whether she had done 10th & 12th from India it would be easier for me to suggest.

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Shekhar Kumar |105 Answers |Ask -Follow

Leadership, HR Expert - Answered on Apr 11, 2024

Question by Neha - Apr 10, 2024Hindi

Career

Done BDS this year looking for further course and university in USA

Ans: Thank you for contacting me. I am happy to hear that you have completed your BDS and you want to pursue higher studies in USA. There are various courses which are mentioned below to help you.

Master level courses includes options in Dental Surgery (MDS) with specialization in Oral and Maxillofacial Surgery / Orthodontics and Dentofacial Orthopedics / Periodontology or Periodontics / Conservative Dentistry and Endodontics / Oral Pathology and Microbiology / Pedodontics and Preventive Dentistry / Oral Medicine and Radiology

Diploma level courses includes options in Diploma in Dental Materials / Dental Hygiene / Hospital Management and Administration / Forensic Odontology / Public Health Dentistry

Certification Level courses includes options in Certificate in Aesthetic Dentistry/ Dental Implantology/ Oral and Maxillofacial Surgery/ Endodontics (Root Canal Treatment)/ Orthodontics

Postgraduate level course includes Postgraduate Certificate in Advanced Dental Implantology / Pediatric Dentistry / Geriatric Dentistry

Fellowship Level program options includes Fellowship in Cosmetic Dentistry / Oral Implantology/ Laser Dentistry

Here are some of the recommended universities in USA where you can pursue higher studies abroad mentioned below:

Harvard University School of Dental Medicine (Boston, Massachusetts) / University of California, Los Angeles (UCLA) School of Dentistry (Los Angeles, California) / University of Michigan School of Dentistry (Ann Arbor, Michigan) / University of Pennsylvania School of Dental Medicine (Philadelphia, Pennsylvania) / University of North Carolina at Chapel Hill School of Dentistry (Chapel Hill, North Carolina) / Columbia University College of Dental Medicine (New York City, New York) / University of Washington School of Dentistry (Seattle, Washington) / University of Maryland School of Dentistry (Baltimore, Maryland) / University of Florida College of Dentistry (Gainesville, Florida) and Boston University Henry M. Goldman School of Dental Medicine (Boston, Massachusetts)

These are just few of the course examples for you to carefully consider the best option based on your interest and career goals after BDS. I wish you best of luck with your higher studies and dentistry! If you have any specific questions or need further advice, feel free to ask me on Rediff Gurus

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Krishna Kumar |254 Answers |Ask -Follow

Workplace Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Career

I have my graduation in electronic and communication.I have career gap 2019-2023 .I started a business but unfortunately we failed ,I want a job in IT Industry what should we do for getting a job as a fresher

Ans: Hello

2019-23 is not a career gap but a learning period where you tried entrepreneurship. Please tell your potential employer about that.

Try in the companies which are in the similar areas in which you tried your business, they will value your experience.

Failed entrepreneurship is an invaluable experience because now you know what all NOT to do.

You are indeed a. Fighter, you will do very well. All the best.

Best regards

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi

Money

Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option

Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.

Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by SATISH - Apr 28, 2024Hindi

Money

I have invested in mutual funds and sold 1 Lak of short term funds after 4 years to get 3000 Rs gain. Which ITR should I file 1 or 2?

Ans: As a Certified Financial Planner, I'd advise you to file ITR-2 for this scenario. ITR-2 is applicable for individuals and Hindu Undivided Families (HUFs) who have income from capital gains or more complex sources like multiple properties or foreign income. Since you've sold short-term mutual funds, which fall under the category of capital gains, and earned a gain of Rs. 3000, it's appropriate to use ITR-2 to report this income.

Additionally, ITR-2 allows for the disclosure of income from salary, house property, capital gains, and other sources, making it suitable for individuals with diverse income streams. Ensure you accurately report all relevant details of your mutual fund transactions and any other income you may have earned during the financial year.

Consulting with a tax advisor or accountant can provide further clarity and ensure you file your taxes correctly, maximizing your tax efficiency while staying compliant with regulations.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Harish - Apr 28, 2024Hindi

Money

I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.

Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Akshat - Apr 28, 2024Hindi

Money

My salary is 80k in hand and I don’t have any other liability. My parents are dependent on me. My job is in Gurgaon and I stay at 5 hours of travel. I go to office thrice a week. I have a property that’s between my father and uncle. My uncle is asking to sell it offf while my father wants to keep it. Should I take a home loan of 12 lakhs for 4 years or not??

Ans: It sounds like you're facing a significant decision regarding your financial future, especially with your family's dependence on you. Have you considered the broader implications of taking on additional debt? As a Certified Financial Planner, my concern is not just about the numbers but also about ensuring your overall well-being.

Taking a home loan of 12 lakhs over four years might seem like a solution, but it's crucial to weigh the pros and cons. Consider the impact on your monthly cash flow, especially with your salary and travel expenses. Reflect on your long-term goals and whether this loan aligns with them.

Additionally, the dynamics surrounding your property add another layer of complexity. Have you discussed the situation thoroughly with your family, considering both your father's and uncle's perspectives?

Ultimately, the decision rests on finding a balance between your financial obligations, your family's needs, and your own aspirations. Let's explore all angles together to ensure you make the choice that best serves your future.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi I have 4 lakhs and want to invest in mutual funds l.could anyone guide me like best mfs to invest

Ans: I commend your decision to invest in mutual funds to secure your financial future. With 4 lakhs in hand, you're taking a step towards building wealth and achieving your goals. Have you considered the power of expert guidance? A Certified Financial Planner can provide personalized recommendations based on your risk appetite and investment horizon, helping you navigate the vast landscape of mutual funds.

Active funds managed by skilled professionals offer the potential for growth and income generation, steering clear of the passive approach. By opting for regular funds with the assistance of a Mutual Fund Distributor, you can benefit from their insights and experience, ensuring a smoother investment journey.

Remember, investing is not just about numbers; it's about planting seeds for your dreams and nurturing them over time. It's about finding alignment between your financial aspirations and the strategies that best suit your needs. Let's embark on this journey together, crafting a roadmap that not only grows your wealth but also enriches your life.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by Manjunath - Apr 28, 2024Hindi

Money

I have 50 Lakhs in hand, Where should i invest to get 50000/- monthly income

Ans: It's wonderful that you're thinking about securing a steady income stream with your savings. With 50 lakhs in hand, you're in a position to make some thoughtful decisions about your financial future. Have you considered the power of diversification? A Certified Financial Planner can help you navigate various investment options tailored to your risk tolerance and financial goals. While real estate might seem like a traditional choice, let's explore alternatives that offer liquidity and potentially higher returns without the hassle of property management.

Active funds managed by experienced professionals could be a viable option, providing opportunities for growth and income generation. By opting for regular funds with the guidance of a Mutual Fund Distributor, you can tap into their expertise and gain insights into market trends.

Remember, investing is not just about numbers; it's about securing your dreams and aspirations for the future. It's about finding a balance between risk and reward, and crafting a portfolio that reflects your values and ambitions. So let's embark on this journey together, weaving a financial plan that not only generates income but also brings peace of mind and fulfillment.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Hi, I'm an 18 year old male, recently turned on January of this year, the first thing I did was to open a bank account. I have saved around 1Lakh approx, to be specific 96-97K, from the past two and an half or so year. Currently I have no debt, I don't use credit card, currently no loan. I have a debit card which I use to purchase stuff, my spending is very frugale, except from needs. I have recently opened a demat account and invested around 26-27K in the Indian market, to get a gist of things actually work. I have divided the money into Index/ETF, mid cap and Large cap. Mostly the money is in Index. What should be my next steps to grow, and can you suggest me some demat accounts that are good to use, currently am using INDmoney. I also have plans to study abroad, especially do my bachelor's. I need an amout of around 40-45Lakhs, a safe side of 50Lakhs, if the duration of the study is 3-4years with 2 years extra of work visa what should I do to repay the loan and still have money to progress forward with my career.

Ans: Firstly, congratulations on taking proactive steps towards financial responsibility at such a young age. Your disciplined approach to saving and investing is truly commendable.

As you embark on your journey to grow your wealth and prepare for your studies abroad, it's crucial to strategize wisely. Have you considered the potential benefits of diversifying your investments through actively managed funds rather than relying solely on passive index funds? While index funds offer broad market exposure, active funds are managed by professionals who aim to outperform the market.

For your demat account, have you thought about seeking guidance from a Certified Financial Planner or a Mutual Fund Distributor (MFD) to ensure that you are making well-informed investment decisions? Digital platforms are convenient, but the personalized advice and support from a certified professional can add immense value to your investment journey.

As for planning for your education abroad, have you contemplated exploring investment avenues beyond the stock market? Given the specific timeframe and financial goal, alongside potential currency fluctuations, it's crucial to explore a mix of investment options that align with your risk tolerance and time horizon.

Wishing you the very best as you navigate these financial decisions, and may your journey be filled with learning and growth.

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Ramalingam Kalirajan |939 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Question by sai - Apr 28, 2024Hindi

Money

Sir what are the best thematic mutual funds giving high returns . Can you share a few. I just found icici infra structure fund . Similarly can you suggest any thematic funds giving high returns onky for lumpsum investment for 3to 5 years tome frame

Ans: Naveen,

It's wonderful to see your proactive approach towards exploring thematic mutual funds for potential high returns. Thematic funds can indeed be enticing with their focus on specific sectors like infrastructure, technology, or healthcare. While thematic funds have the potential for high returns, they also come with increased risk due to their concentrated exposure.

Have you considered the risks associated with investing in thematic funds? As these funds are heavily dependent on the performance of a particular sector, fluctuations in that sector could significantly impact your investment. To mitigate risk and ensure a more balanced portfolio, it might be beneficial to diversify your investments across different sectors by considering diversified active equity funds.

Certified Financial Planners often recommend a diversified approach to investing as it helps in spreading the risk and capturing opportunities across various sectors. By opting for diversified funds, you can benefit from the growth potential of multiple sectors while managing the inherent risks associated with thematic funds.

It's essential to align your investment choices with your financial goals and risk tolerance. Before making any investment decisions, I encourage you to consult with a Certified Financial Planner who can provide personalized guidance based on your unique circumstances.

Invest wisely, stay diversified, and may your financial journey be filled with growth and stability.

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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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