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Should I be worried about my daughter's delayed TCS Joining Letter?

Prof Suvasish

Prof Suvasish Mukhopadhyay  | Answer  |Ask -

Career Counsellor - Answered on Dec 04, 2024

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
Asked by Anonymous - Nov 24, 2024Hindi
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Career

My daughter Passed out 9.5gpa and was offered job with TCS and Tech Mahindra almost few weeks apart from each other in the month of July end 2024 and offer was given for TCS in July first week and Tch Mahendra in end July,but tech Mahindra followed up with Joining letter immediately,but my daughter choosed TCS it has been three months since but no Joining letter received,2weeks back was asked to attend an exam which she undertook ,why so much delay by TCS? Was it a wrong decision to let go off Tech Mahindra?Pls reply also suggest what to do now? should we wait or look out elsewhere?

Ans: Yes. Certainly it was a wrong decision. A bird in hand is worth than two birds in bush. She must have accepted the offer of Tech Mahindra, After selection why TCS is again taking test? This is not ethical. But now if she approaches Tech Mahindra probably she won't get a response. So try elsewhere. Mind that DECISION DECIDES DESTINY. If your decision is wrong you are bound to fail. So no more lamenting over the spilt milk. In future take correct decision. Secondly her GPA is too high. Many times organizations don't select very high GPA candidates, because their stability becomes a question mark. Due to very high GPA they never become satisfied with any job. They always think they are underpaid and deserve more. Please keep one thing in mind once you join a job your GPA becomes dead, then your performance will decide your future prospects. Just follow me. Best of luck to her. GOD BLESS HER. Professor................:)
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Prof Suvasish

Prof Suvasish Mukhopadhyay  | Answer  |Ask -

Career Counsellor - Answered on Dec 04, 2024

Asked by Anonymous - Dec 03, 2024Hindi
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Hello sir /madam Kindly advice for my son who has completed Btech with specialization in big data from SRM University with 8.1 cgpa in 2023 Last year in jan 2023 he did 1 internship for 3 months in cognizant which was through college placement, but they didn't call him for regular job after completion of internship though it was internship leading to placement program Then he was also selected in tcs ninja program through college placement itself and they provided him ilp training in trivandrum for 2.5 months but he couldn't clear their PRA test and was asked to resign from the company Ever since he has passed his graduation, he has been trying to get offcampus placement also but somehow he doesn't get selected Sometimes he is out after GD round ,sometimes after 1 or 2 rounds ,he doesn't get any answer from the concerned company Hence he is unemployed till now I am worried about his career, can you please guide as to what should he do to get placed soon Thanks
Ans: I think repeated failure enhanced his stress level and second thing is 24 X7 discussion about placement in home. Let him relax for seven days. You and other family members don't discuss about his placement hence onward. Let him improve his communication skill and see the style of giving a good interview from you tube videos. The most important thing is let him appear for the next interview very boldly with zero hope. That zero hope and boldness will bring a positive result. Apart from REDIFF GURU I do global counselling through social media. So be rest assured this medicine will work. Best of luck to your son. Just follow me. GOD BLESS HIM. Professor..................................:)

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Radheshyam

Radheshyam Zanwar  |1151 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 22, 2025

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What should I do after my bsc in medical
Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
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Ramalingam

Ramalingam Kalirajan  |7606 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2025

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Where should I invest Rs. 50000 in Index mutual fund or in ETF?
Ans: When deciding between Index Mutual Funds, ETFs, and actively managed diversified equity funds, actively managed funds often stand out. Let’s analyse why active diversified equity funds are a better option for your Rs. 50,000 investment.

Understanding Index Funds and ETFs
Index Funds: These passively replicate an index like NIFTY 50 or SENSEX. They aim to match the market’s performance, not beat it.

ETFs (Exchange Traded Funds): Similar to index funds but trade like stocks on exchanges. They require a Demat account.

Disadvantages of Index Funds and ETFs
Limited Returns Potential
Index funds and ETFs only track the market.
They cannot outperform the benchmark, even when market conditions allow for superior performance.
No Protection in Market Downturns
Index funds replicate the index, so they fall equally during market downturns.
Active funds may reduce losses with better sector and stock allocation.
Lack of Professional Judgment
Index funds follow pre-set rules, ignoring company-specific fundamentals.
Actively managed funds use professional fund managers who adjust portfolios to maximise gains.
Hidden Costs in ETFs
ETFs may seem cost-effective but involve additional brokerage and Demat account charges.
Liquidity issues can lead to price variations between the market price and NAV.
Benefits of Active Diversified Equity Funds
Potential for Superior Returns
Experienced fund managers aim to outperform the benchmark.
They carefully select high-potential stocks across sectors and market caps.
Flexibility in Stock Selection
Active funds are not restricted to index stocks.
They pick companies with strong fundamentals, growth prospects, and attractive valuations.
Downside Protection
Fund managers can reduce exposure to risky sectors during market downturns.
This minimises losses compared to passive funds.
Tax Efficiency with Strategic Planning
Gains can be optimised with periodic review and rebalancing.
Active funds often deliver better after-tax returns over the long term.
Why Rs. 50,000 Fits Well in Active Diversified Equity Funds
A one-time investment of Rs. 50,000 deserves active management for maximised growth.
Over 5–10 years, active funds are better positioned to beat inflation and create wealth.
Suggested Allocation for Active Diversified Equity Funds
Large-Cap Equity Funds (30%-40%): Stability and consistent returns.
Flexi-Cap Equity Funds (40%-50%): Flexibility to invest across market caps.
Mid-Cap Equity Funds (20%-30%): Higher growth potential with moderate risk.
Key Considerations
Stay invested for at least 7–10 years for compounding benefits.
Review performance annually and rebalance if needed.
Avoid chasing short-term trends or reacting to market noise.
Final Insights
Index funds and ETFs are suitable for certain scenarios, but they lack active management benefits. By investing Rs. 50,000 in actively managed diversified equity funds, you can maximise returns, minimise risks, and benefit from professional expertise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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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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