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A Dad's Dilemma: 87% in B.Sc, 3 Years of UPSC Prep, Should She Take the Plunge Again?

Nayagam P

Nayagam P P  |10884 Answers  |Ask -

Career Counsellor - Answered on Jan 28, 2025

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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Neeraj Question by Neeraj on Jan 27, 2025Hindi
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Career

Sir, My daughter has done B.Sc( physics, chemistry, maths, English & computers) from delhi university( 87%) in 2022. After that, she attempted UPSC twice but was not successful. Now she is on her third attempt. She had an extraordinary academic record from childhood. Having prepared for three years, now we are bit jittery as regards to career choice, success, risks involved in future years, plan B,C etc . In between, she qualified for written exams of ARMY & AIR FORCE but i didnot allow her to appear in SSB as dates were clashing & i preferred UPSC over other exams. we are in a diliema . kindly advise & also tell me how to connect with you if we want a F2F meeting/ counselling.

Ans: Neeraj Sir, To support your daughter's career path after three years of UPSC preparation, consider setting a clear deadline for her third attempt and creating a transition plan if she fails. Consider alternative government job opportunities like State Public Service Commissions (PSC), banking, RBI Grade B Exams, SSC CGL/CHSL, or higher studies for specialization. Leverage her science background to pursue M.Sc., data science, or AI/ML certifications for private-sector opportunities. Encourage open discussions about career backup plans, allow flexibility, and support her choices if she chooses to pivot towards another field. All the Best for Your Daughter's Prosperous Future, Sir.

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Nayagam P

Nayagam P P  |10884 Answers  |Ask -

Career Counsellor - Answered on Sep 17, 2025

Career
Nayagam Sir...one quick question...could you please guide me? as early as possible? as I have very little time...My daughter’s name is Vasavi. 10th -98 CGPA and 10+2 MPC – 98% and JEE mains – 95 percentile (2025) Currently she joined in VNR, Hyderabad – B.Tech IT First year. Now she got in IISER Berhampur – BS-MS through IISER....how do I proceed ...we are basically from Hyderabad
Ans: Srinivasu Sir, VNR VJIET Hyderabad, established in 1995, stands as a NAAC A++ accredited autonomous institution under JNTU Hyderabad with NIRF ranking 151-200 in Engineering category. The institute demonstrates strong industry integration with placement rates of 80% for CSE and allied branches, achieving an average package of 7.09 LPA with highest packages reaching 51-54 LPA from companies like Microsoft, Amazon, and Google. The Information Technology department specifically shows robust industry connections through partnerships with companies like ZF India, Agmay Technologies, and Advance Auto Parts, providing students direct exposure to cutting-edge automotive and technology sectors. With over 20,800+ alumni network and 500+ faculty members, the institution offers substantial professional networking opportunities alongside 37 incubated startups through VJ Hub.

In contrast, IISER Berhampur, established in 2016 as an Institute of National Importance under NITSER Act 2007, represents a premier research-focused institution with distinguished faculty including Alexander von Humboldt Fellowship holders and international collaboration agreements with University of Buffalo, Max-Planck Society Germany, and ECOLES NORMALES SUPERIEURES France. The BS-MS dual degree program emphasizes fundamental sciences with research-oriented curriculum, though placement statistics show only 6 students placed out of 114 eligible candidates in 2024 with median package of 4.36 LPA. However, over 60% of graduates pursue PhD programs internationally at institutions like MIT, Stanford, and Max Planck Institutes, with comprehensive postdoctoral fellowship opportunities offering up to ?67,000 monthly stipends.

The five critical institutional aspects reveal distinct strengths: Academic Excellence - VNR VJIET offers industry-aligned curriculum with NBA accreditation for 9 UG and 13 PG programs, while IISER provides research-intensive education with international faculty exchanges; Industry Integration - VNR VJIET maintains strong corporate partnerships with 125+ recruiting companies annually, whereas IISER focuses on research collaborations with global institutions; Infrastructure Quality - Both institutions provide modern facilities, with VNR VJIET's 26-acre campus featuring specialized labs and IISER's research infrastructure supporting advanced scientific instrumentation; Faculty Expertise - VNR VJIET employs 500+ experienced faculty with industry connections, while IISER faculty includes internationally recognized researchers with significant grant funding; Career Outcomes - VNR VJIET ensures immediate industry placement opportunities with competitive packages, while IISER creates pathways for advanced research careers and international PhD programs. Given Vasavi's exceptional academic performance (98% in both 10th and 12th, 95 percentile in JEE Main) and considering the family's Hyderabad base, IISER Berhampur emerges as the superior choice for long-term career excellence. The BS-MS program offers unparalleled research exposure, international collaboration opportunities, and direct pathways to prestigious global PhD programs, positioning Vasavi for leadership roles in academia, research institutions, or high-level industry positions that demand advanced scientific knowledge and analytical capabilities. Both options are beneficial. HOWEVER, Please discuss with Vasavi whether she feels more drawn to research studies or to an IT career, and weigh her decision against both her immediate interests and her short- and long-term objectives. If she leans toward the IISER Berhampur BS-MS program, she should keep in mind these considerations: (1) Immediate industry placement options tend to be fewer and offer lower packages. (2) Achieving long-term success often depends on pursuing a PhD, and (3) corporate recruitment drives occur less frequently compared to those at engineering colleges. All the BEST for Your Daughter's Prosperous Future!

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |10976 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2026

Asked by Anonymous - Jan 21, 2026Hindi
Money
I’m a 35-year-old salaried professional aiming to build a long-term investment portfolio over the next 10 years, with a monthly investment budget of around Rs 15,000. I'm tempted to buy silver as an investment because silver prices today (Rs 330 per gram) look much more 'affordable' than gold prices today approx 15000 per gram). But I also know that price per gram doesn’t reflect actual returns when comparing silver vs gold investment performance. Is viewing silver as a cheaper investment option a mental trap for small investors, or does investing in silver genuinely offer better upside potential in the long run?
Ans: You are thinking in the right direction. You are questioning the price tag, not getting carried away by it. This itself shows maturity and long-term thinking. Many investors do not pause at this stage. You deserve appreciation for that clarity.

» Price per gram versus wealth creation reality
– Seeing silver at Rs 330 per gram and gold at around Rs 15,000 per gram creates a strong emotional pull
– Our mind feels silver is “cheap” and gold is “expensive”
– This is a mental shortcut, not an investment logic
– Wealth grows by percentage return over time, not by how many grams we can buy
– One gram at Rs 100 that grows slowly can underperform one gram at Rs 10,000 that grows steadily

» Why silver looks attractive but behaves differently
– Silver has a dual role: precious metal and industrial metal
– Industrial demand makes silver prices volatile and cyclical
– When the economy slows, silver demand can fall sharply
– This leads to long periods of price stagnation
– For a salaried professional with monthly investing, such swings can test patience

» Gold and silver are not growth assets
– Both gold and silver do not create earnings or cash flow
– Their value depends mainly on demand, inflation fear, and currency movement
– Over long periods, they protect purchasing power but rarely multiply wealth
– Expecting strong upside from silver over 10 years is usually unrealistic
– This is especially true when the goal is disciplined monthly investing

» Is silver a mental trap for small investors
– Yes, for many investors it is
– “I can buy more grams” gives psychological comfort
– But comfort does not equal better returns
– Silver often underperforms expectations when held for long durations
– Storage cost, purity issues, and liquidity challenges further reduce actual benefit

» Does silver have any role at all
– Silver can be used as a small diversification tool
– It should never be the core of a long-term portfolio
– Allocation should be limited and purpose-driven
– Treat it as a hedge, not a growth engine
– Overexposure can slow overall portfolio progress

» Better alignment with your 10-year goal
– At age 35, your biggest strength is time
– Regular monthly investing suits growth-oriented assets
– Actively managed equity mutual funds suit this phase well
– Active fund managers can adapt to market changes and protect downside
– This flexibility matters more than metal price movements

» Why market-linked metal products are not ideal substitutes
– They closely track metal prices without adding value
– No active decision-making or downside control
– Returns depend only on price cycles
– This makes long-term compounding weak
– Actively managed funds aim to grow wealth, not just track prices

» Risk, emotion, and discipline
– Silver prices can move sharply up and down
– Such movement can tempt investors to time the market
– Timing mistakes hurt long-term results
– Simple, steady investing works better than reacting to metal prices
– Discipline matters more than affordability

» Tax and liquidity awareness
– Physical silver has making charges and selling spreads
– Tax treatment can reduce post-tax returns
– Liquidity is not always smooth during urgent needs
– These frictions are often ignored at the buying stage

» 360-degree portfolio thinking
– Your Rs 15,000 monthly budget is a powerful habit
– Focus on assets that reward time and consistency
– Use metals only as support, not as drivers
– Growth assets should do the heavy lifting
– Review allocation periodically with a Certified Financial Planner

» Final Insights
– Silver looking affordable is largely a mental illusion
– Long-term wealth is built by return quality, not unit price
– Silver does not offer reliable long-term upside for salaried investors
– Limited exposure is fine, dependency is not
– Staying focused on growth-oriented investing will serve your 10-year goal far better

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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