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Geeta

Geeta Ratra  |140 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Jun 14, 2024

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Priti Question by Priti on Jun 12, 2024Hindi
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My daughter has passed 12 commerce this year and she is looking for BA in political science from India . Post that she intends to do international relations from USA . What are the top universities and scope of it in USA . And also courses available that she can do post completing her graduation.

Ans: Hi Priti,
For BA in Political Science in India followed by International Relations in the USA, top universities include Harvard, Stanford, and Johns Hopkins. The scope is vast, with careers in diplomacy, policy analysis, and international organizations. Post-graduation, she can pursue courses in Public Policy, Global Studies, or Law, enhancing her career prospects.
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Rohit

Rohit Gupta  |52 Answers  |Ask -

Edtech/Online Education Expert - Answered on Feb 07, 2024

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My daughter is appearing in CBSE Class XII Humanities stream Board exam 2024. She intends to study UG course in Political Science honors after after exam. Please suggest top 10 colleges in India with future prospects.
Ans: Considering your daughter's aspirations, I'd recommend focusing on top-tier colleges known for their political science programs. For a UG course in Political Science, here are ten top colleges in India known for their excellent programs:

1. Delhi University, Delhi
2. Jawaharlal Nehru University (JNU) in Delhi
3. Amity University, Noida
4. University of Hyderabad (Hyderabad)
5. Presidency University, Kolkata
6. St. Xavier's College, Mumbai
7. Lady Shri Ram College for Women (LSR)—Delhi
8. Miranda House, Delhi
9. Tata Institute of Social Sciences (TISS)—Mumbai
10. Christ University, Bangalore

These institutions offer quality education, renowned faculty, and opportunities for research and career advancement in political science. Encourage your daughter to research each college's curriculum, faculty, and campus culture to find the best fit for her academic and career goals. I also suggest exploring online UG programs approved by UGC as an additional option for your daughter's future. Many renowned universities offer online UG degrees in various disciplines, allowing flexibility and the opportunity to pursue another degree concurrently with her regular UG course in political science. This approach can give her a broader skill set, increased career prospects, and a competitive edge in the job market. It's worth considering as it offers the flexibility to balance academic pursuits while maximizing opportunities for her future endeavors.

..Read more

Maxim

Maxim Emmanuel  |288 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 30, 2024

Asked by Anonymous - Apr 24, 2024Hindi
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Career
Hello, I'm 18F just gave my board exams and is interested in international relations, international studies, cultural studies Which universities are offering these undergraduate /graduate courses in India?
Ans: Thank you for your queries...the 18F sounded like an algorithm..!

Sure you must have developed an interest in International relations, studies .Now you must develop research skills to find study opportunities.
The international environment is all about doing one's task,which is contrary to the spoon feed environment in and around here!

India is a subcontinent offering education opportunities across the Union of States, which I have no idea where you hail from.

However here are a few ...spoon feed!
Ha Ha!

Jawaharlal Nehru University (JNU) is a public or government research university located in New Delhi, India. It was established in 1969 and named after ...Jawaharlal Nehru !

New Delhi: The School of International Studies at JNU offers a two year course in MA Politics (International Studies.

Centre for International Relations, Islamic University of Science and Technology, Jammu and Kashmir. Jadavpur University · Jawaharlal Nehru University, School .

Jamia Millia Islamia

University of Mumbai

Central University of Kerala

Noida International University

Christ University

Galgotias University

Jadavpur University

Jindal School of International Affairs

South Asian University

Symbiosis International University

Adamas University

Pondicherry University

Ashoka University

Chanakya University

Gujarat University

IILM University

Central University of Jharkhand

Delhi University

Faculty of Law, Integral University

Manipal Academy of Higher Education

RV University

SHARDA UNIVERSITY

Ajeenkya DY Patil University

This is just a synopsis, as there are many more,its not a recommendation , kindly do your research and select what's best and suits your budget!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |4625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 13, 2024

Asked by Anonymous - Jun 04, 2024Hindi
Money
My son is 48 yrs old we have invested some crores in FD and some crores in Mutual Funds kindly advise on how many years he he can get 100 crores ready to invest 20 lacs annually
Ans: First, it’s heartening to see your dedication towards securing your son’s financial future. You've already taken significant steps by investing in Fixed Deposits (FDs) and Mutual Funds. Understanding the nuances of these investments and strategically planning for the future will help you achieve your goal of building a Rs. 100 crore corpus.

Current Investment Overview
You have invested several crores in FDs and Mutual Funds. Each of these investment types has distinct characteristics, benefits, and drawbacks. Let’s explore these in detail.

Fixed Deposits (FDs)
FDs offer a guaranteed return, which is beneficial for capital protection. However, the interest rates on FDs are relatively low compared to other investment options. The current rates are often lower than inflation, which can erode the purchasing power of your returns over time.

Advantages of FDs:

Capital safety
Predictable returns
Disadvantages of FDs:

Low returns
Poor inflation hedge
Mutual Funds
Mutual Funds provide a diversified investment option and have the potential to offer higher returns compared to FDs. They come in various types such as equity, debt, and hybrid funds, each catering to different risk appetites and investment horizons.

Advantages of Mutual Funds:

Potential for higher returns
Diversification
Professional management
Disadvantages of Mutual Funds:

Market risk
Requires careful selection
Evaluating Your Investment Strategy
To accumulate Rs. 100 crores, a strategic approach leveraging the strengths of Mutual Funds while mitigating risks is crucial. Let's evaluate how this can be done.

Setting a Time Frame
You mentioned your son is 48 years old. Assuming a retirement age of 60-65, we have approximately 12-17 years to reach the goal. This time frame is reasonable for a well-planned investment strategy focusing on higher returns.

Enhancing Your Investment Strategy
Here’s a detailed plan to enhance your investment strategy and work towards accumulating Rs. 100 crores.

Increase Equity Exposure
Equity mutual funds have historically provided higher returns compared to other asset classes. Given the long-term horizon, increasing your allocation towards equity funds can be beneficial. This includes:

Large-Cap Funds: These funds invest in well-established companies with a stable growth history. They are less volatile and offer steady returns.

Mid-Cap and Small-Cap Funds: These funds invest in smaller companies with higher growth potential. They are riskier but can provide substantial returns over the long term.

Flexi-Cap Funds: These funds invest in companies across market capitalizations, providing a balanced risk-return profile.

Avoid Index Funds
Index funds track a specific market index and offer average market returns. They lack active management, which can limit their potential in volatile markets. Actively managed funds, guided by experienced fund managers, can outperform indices by making strategic investment decisions.

Disadvantages of Index Funds:

Average returns
No active management
Limited in volatile markets
Benefits of Actively Managed Funds:

Potential for higher returns
Strategic adjustments
Experienced management
Regular vs. Direct Mutual Funds
Direct funds have lower expense ratios as they do not involve intermediaries. However, this also means you don’t get professional advice, which can be critical in making informed decisions. Regular funds, on the other hand, are managed by Mutual Fund Distributors (MFDs) and Certified Financial Planners (CFPs), who provide valuable insights and strategies tailored to your goals.

Disadvantages of Direct Funds:

Lack of professional guidance
Requires extensive market knowledge
Benefits of Regular Funds:

Expert advice
Tailored strategies
Comprehensive planning
Systematic Investment Planning
You plan to invest Rs. 20 lakhs annually. A Systematic Investment Plan (SIP) is an excellent method to invest in mutual funds regularly. SIPs help in averaging the cost of investment and reduce the impact of market volatility.

Benefits of SIPs:
Rupee Cost Averaging: Investing a fixed amount regularly averages out the purchase cost, mitigating market volatility.

Disciplined Investment: SIPs instill a habit of regular investing, which is essential for long-term wealth creation.

Power of Compounding: Regular investments over a long period benefit from compounding, significantly boosting your corpus.

Rebalancing Your Portfolio
Regularly reviewing and rebalancing your portfolio ensures it remains aligned with your financial goals. This involves adjusting your asset allocation based on market conditions and your risk tolerance.

Monitoring and Adjusting
Continuous monitoring and timely adjustments are crucial. Market conditions and personal circumstances change, necessitating tweaks in your strategy.

Risk Management
Managing risk is vital in any investment strategy. Diversifying your investments across various asset classes, sectors, and geographies reduces risk. Additionally, maintaining an emergency fund and adequate insurance protects your investments from unforeseen events.

Leveraging Tax Benefits
Utilizing tax-efficient investment options can enhance your returns. Equity Linked Savings Scheme (ELSS) mutual funds offer tax benefits under Section 80C of the Income Tax Act. Also, long-term capital gains from equity funds are taxed at a favorable rate.

Professional Guidance
Engaging a Certified Financial Planner (CFP) can provide you with personalized advice and strategies. A CFP helps in:

Comprehensive Planning: Crafting a detailed financial plan considering all aspects of your finances.
Objective Advice: Providing unbiased recommendations based on your goals.
Regular Review: Periodic reviews and adjustments to keep your investments on track.
Final Insights
Accumulating Rs. 100 crores is an ambitious goal, but with a well-thought-out plan, it is achievable. Your existing investments provide a strong foundation. By enhancing your strategy with increased equity exposure, regular investments, and professional guidance, you can work towards this target. Continuous monitoring, risk management, and leveraging tax benefits will further strengthen your financial journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...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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