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Nayagam P

Nayagam P P  |4022 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2024

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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Asked by Anonymous - Jun 09, 2024Hindi
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Greetings of the day sir! My daughter is applying for BTech CSE under NRI category. Please share your recommendation for the following colleges. Which ones should I give the highest priority? Their order of your recommendation please sir. 1. DAIICT, Gandhinagar, 2. NIT Delhi, 3, IIITM Gwalior, 4. IIIT Pune 5. NSUT Delhi 6. NIT Jamshedpur 7. NIT Surat, 8. IIITDM Jabalpur 9. NIT Kurukshetra

Ans: Before I provide you the order of preference for the Institutes you have provided, please consider some important factors before deciding the best and most suitable options like (1) As your daughter is an NRI, prefer Metro City (2) In case of emergency, any relatives in same city / nearby State, if you will be abroad when your daughter is studying (3) Your daughter is more interested in which stream / domain? (4) To stay in Hostel / PG / Own Arrangement & (5) Her future plan after competing her UG (to work in India or Abroad / pursue PG-Masters in India or Abroad?) NOW, coming to order of preference (1) NIT Delhi (2) NSUT Delhi (3) NIT Kurukshetra (4) NIT Surat (5) IIITM Gwalior (6) IIITDM Jabalpur (7) NIT Jamshedpur (8) DAIICT, Gandhinagar (9) IIIT Pune. I hope this information is enough. All The BEST for your Daughter’s Bright Future.

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Asked by Anonymous - Jan 03, 2025Hindi
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Hi, I’m a second year undergraduate student, and my friend told me about the CUET PG exam . Honestly, I’m still a bit confused about what exactly this exam is for. Is it just for admissions into central universities, or do private and state universities also accept CUET PG scores? I want to pursue my master’s degree, but I’m not sure if this is the right exam for me or if there are other options I should consider. Could you please explain the purpose of CUET PG and how it works?
Ans: Dear Student,

It's great that you're thinking about your postgraduate options early on in your undergraduate degree. The CUET PG exam is indeed a significant one for students in India, and it's good you're seeking clarity. Let me break it down for you:

What is CUET PG?

CUET PG stands for Common University Entrance Test (Postgraduate). It's a national-level entrance exam conducted by the National Testing Agency (NTA) for admissions into various postgraduate programs. Think of it as a gateway to higher education after your bachelor's degree.

Who Accepts CUET PG Scores?

You're right to ask about the scope of this exam. Primarily, CUET PG scores are used for admission to Central Universities across India. However, its reach is expanding. Many State Universities and even some Private Universities have also started accepting CUET PG scores for their postgraduate programs. This means a wider range of options for you based on your performance in a single exam.

Is CUET PG Right for You?

Whether CUET PG is the "right" exam for you depends on where you want to study and what you want to study.

• If you're aiming for a Central University, CUET PG is essential.
• If you're considering State or Private Universities, check if they accept CUET PG scores. This information is usually available on the university's admission website or the CUET PG information bulletin.

Other Options to Consider:

While CUET PG is a major exam, there are other options depending on your chosen field:

• University-Specific Entrance Tests: Some universities, especially well-established ones, might conduct their own entrance tests in addition to or instead of CUET PG.
• National-Level Exams: For certain fields like management (CAT, XAT), engineering (GATE), or pharmacy (GPAT), there are specific national-level exams.

How CUET PG Works:

• Exam Format: CUET PG is a computer-based test (CBT) with multiple-choice questions (MCQs).
• Syllabus: The syllabus generally covers subjects you've studied in your undergraduate program.
• Scoring: You'll receive a score based on your performance, which you can then use to apply to participating universities.
• Counseling: Each university will have its own counseling process based on CUET PG scores.

My Advice:

1. Explore Your Interests: Decide on the specific master's program you want to pursue. This will help you narrow down your university options.
2. Research Universities: Make a list of universities offering your desired program and check their admission criteria, including whether they accept CUET PG scores.
3. Check CUET PG Eligibility: Ensure you meet the eligibility criteria for CUET PG, which usually involves having a bachelor's degree in a relevant field.
4. Prepare Strategically: If you decide to take CUET PG, start preparing early and focus on the syllabus relevant to your chosen program.

I understand the importance of making informed decisions about your education. I hope this explanation helps you understand CUET PG better.

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Mutual Funds, Financial Planning Expert - Answered on Jan 03, 2025

Asked by Anonymous - Jan 03, 2025Hindi
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I have invested in ICICI Prudential Nifty 50 index SIP. I have noticed that from past 6 months the fund is not performing. Should I keep this fund or liquidate and invest in in multi asset fund?
Ans: The ICICI Prudential Nifty 50 Index Fund replicates the Nifty 50 index. It is a passive fund that mirrors the index performance. The last six months have been volatile for the stock market, which has affected index funds. This is expected in short-term market conditions and does not reflect the long-term potential of index-based funds.

However, relying on index funds for wealth creation in volatile markets may not always be optimal. Active funds offer the flexibility of stock selection, better risk management, and potential for higher returns.

Why Active Funds May Be a Better Choice
Volatility Management: Active fund managers adjust the portfolio based on market trends. This flexibility helps during volatile times.

Higher Growth Potential: Actively managed funds can outperform index funds by investing in sectors and stocks with higher potential.

Diversification: Multi-asset funds allocate across equity, debt, and other asset classes. This reduces risk and provides stability.

Assessing Your Current Investment
Index Fund Performance: While the last six months may seem disappointing, index funds are designed for long-term investors.

Cost Factor: Index funds have lower expense ratios but lack active management during market fluctuations.

Active vs Passive: Actively managed funds are better during periods of market instability. They offer professional stock selection and sector rotation.

Benefits of Multi-Asset Funds
Balanced Portfolio: Multi-asset funds invest in equities, bonds, and gold, diversifying your investment.

Risk Mitigation: Allocation to multiple asset classes reduces portfolio volatility.

Stable Returns: These funds aim to provide consistent returns, even during volatile markets.

Suggested Action Plan
Reevaluate Goals: Align your investment decisions with your financial goals and risk tolerance.

Shift to Active Funds: Consider shifting from the Nifty 50 index fund to an actively managed multi-cap or multi-asset fund.

Monitor Performance: Choose funds with a strong track record and consistent performance across market cycles.

Consult a Certified Financial Planner: A planner can help you select the right actively managed funds and align your investments with your financial plan.

Final Insights
While index funds like ICICI Prudential Nifty 50 are suitable for passive investors, active funds offer an edge in volatile markets. Shifting to a multi-asset or actively managed fund may help you achieve better returns and stability.

Invest wisely, monitor regularly, and stay disciplined to maximise your wealth creation journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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