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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Apr 16, 2024

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Asked by Anonymous - Mar 20, 2024Hindi
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Career

My daughter is studying M.Sc. Biotech in SRM University, Chennai. Which education after M.Sc Biotech can be better for good jobs?

Ans: Hi,
M.Sc. in Biotech is a post graduate course. It is suggested to go for a job after the course. On completion of a year or two on the job, you may look for another course depending on exposure and interest.
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Sushil

Sushil Sukhwani  |551 Answers  |Ask -

Study Abroad Expert - Answered on Jan 08, 2024

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Career
My daughter is in third year of B.Sc.. Biotech from kelkar college Mulund. I would like to know what could be her post graduation options within India and abroad. Also if you could guide on how can she can prepare now (other than good grades) to start good career after her studies?
Ans: Hello Mahendra,

First and foremost, thank you for getting in touch with us. I am happy to know that your daughter is currently pursuing the 3rd year of her Bachelor’s of Science in Biotechnology and thereafter wishes to pursue her postgraduate studies. Concerning your question as to what could be her PG options within India and abroad, I would like to let you know that we only deal with overseas education. You would be glad to hear that there exist a plethora of choices for a graduate in B.Sc. Biotech wishing to pursue post-graduation overseas. Nations viz., the United Kingdom, Germany, the United States, Australia, or Canada, are regarded for their robust biotech industries, and your daughter could look into the postgraduate programs offered in the fields of Bioengineering, Molecular Biology, Biotechnology, or other associated areas of study in these countries. I would also recommend that she conducts an all-round study on universities well-known for the programs they offer in her preferred field of study, as well as investigates their prerequisites for admission, viz., English competency tests like the IELTS or TOEFL, or standardized tests like the GRE. As an answer to your query on how she can prepare now (other than good grades) to embark on a good career post her studies, I would like to say that your daughter, alongside maintaining strong grades, can engage in internship opportunities or take up jobs of a research assistant to acquire pertinent research experience, actively participate in extracurricular activities associated with her field of interest, craft a compelling SOP that outlines her educational objectives and ambitions, as well as build meaningful connections with academics or industry experts to boost her profile. Her opportunities for a successful job after graduation can be enhanced by staying abreast with developments in the field of biotechnology through online classes, seminars, and conferences.

For more information, you can visit our website.

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Moneywize

Moneywize   |166 Answers  |Ask -

Financial Planner - Answered on Oct 08, 2024

Asked by Anonymous - Oct 06, 2024Hindi
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Money
I’m Suresh from Ahmedabad. I’m 47 with one daughter, aged 15. I’ve been investing Rs 50,000 a month in equity mutual funds for the last 5 years. My goal is to accumulate Rs 2 crore for my daughter's education and our retirement. Am I on track, or do I need to adjust my portfolio?
Ans: Let's analyze your investment scenario and suggest possible adjustments:

Current Situation:

• Investment: Rs 50,000 monthly in equity mutual funds
• Tenure: 5 years
• Goal: Rs 2 crore for daughter's education and retirement
• Time Horizon: Assuming retirement in 20 years (when your daughter is 35)

Analysis:

• Accumulated Amount: Considering an average annual return of 12% (which is reasonable for equity funds over a long term), you would have accumulated approximately Rs 58.5 lakhs after 5 years.
• Gap to Goal: To reach Rs 2 crore in 15 years (remaining till retirement), you'd need an annual return of around 15%, which is achievable but might involve some volatility.

Recommendations:

• Increase Investment: To bridge the gap and account for potential market fluctuations, consider increasing your monthly investment by 15-20% to Rs 60,000-65,000.
• Review Portfolio: Ensure your equity fund portfolio is well-diversified across different sectors and market caps. This helps mitigate risk and capture potential growth opportunities.
• Consider Debt Funds: As your retirement nears, gradually allocate a portion of your investments (around 20-30%) to debt funds or hybrid funds. This provides some stability and reduces overall risk.
• Emergency Fund: Maintain an emergency fund of 3-6 months of your expenses in a liquid savings account or short-term debt funds to cover unexpected expenses.
• Regular Review: Review your portfolio periodically (at least annually) to assess its performance against your goals and make necessary adjustments.
• Remember: Investing in equity funds involves market risk, and returns are not guaranteed. It's essential to stay disciplined, invest for the long term, and consult with a financial advisor if needed.

Disclaimer: This analysis is based on assumptions and general market trends. It's always advisable to seek personalized advice from a qualified financial planner.

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Dr Karthiyayini

Dr Karthiyayini Mahadevan  |1105 Answers  |Ask -

General Physician - Answered on Oct 08, 2024

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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