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Harsh Bharwani  |56 Answers  |Ask -

Entrepreneurship Expert - Answered on Apr 12, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
Girish Question by Girish on Apr 08, 2023Hindi

My daughter has just finished with her class 12 exams commerce stream. She plans to appear for IP MAT entrances in May & June 2023. She has started her preparations now. Will around 2 months time be sufficient for the preparation. Should she go for some crash coaching or self study can also do.

Ans: The amount of time required for preparation depends on several factors, such as the level of difficulty of the exam, the student's familiarity with the concepts, and the amount of time dedicated to studying.
As your daughter has two months for preparation, it is possible to prepare well for the exam with dedication and hard work. It would be beneficial for her to create a study plan and focus on important topics and concepts.
In addition, it is advisable to seek guidance from experienced teachers or take coaching from a reputed institute to increase her chances of success. However, self-study can also be effective if she has a good grasp of the concepts and is disciplined in her study habits.
Ultimately, the key to success is consistent effort and dedication towards preparation, regardless of the method chosen.

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Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 14, 2024Hindi
Which MF from SBI is topper in term of lweath gainer
Ans: SBI Mutual Funds offer a variety of schemes.

It's tempting to invest in top-performing funds.

However, chasing returns may not be the best strategy.

Consistency Over Performance
Consistent Performance: Look for funds with consistent performance over the long term.

Quality of Fund Management: Choose funds managed by experienced and reputed fund managers.

Diversification: Ensure the fund aligns with your risk tolerance and investment goals.

Avoiding Costly Investment Mistakes
Consult a Professional: Seek advice from a Certified Financial Planner (CFP) or Mutual Fund Distributor (MFD).

Tailored Advice: Professionals can provide tailored advice based on your financial situation.

Long-Term Perspective: Focus on long-term growth rather than short-term gains.

Evaluating Funds
Historical Performance: Review the fund's performance over at least 5-10 years.

Expense Ratio: Check the expense ratio, as higher costs can impact your returns.

Risk Assessment: Evaluate the risk associated with the fund and ensure it aligns with your risk profile.

Final Insights
Investing in mutual funds requires careful evaluation and planning. While top-performing funds may seem attractive, focusing on consistency and quality is more important. Consulting a Certified Financial Planner or Mutual Fund Distributor can help you avoid costly mistakes and make informed investment decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,


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