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Sushil

Sushil Sukhwani  |582 Answers  |Ask -

Study Abroad Expert - Answered on Sep 11, 2023

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Asked by Anonymous - Sep 10, 2023Hindi
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Deat Sir, I am 2nd year B.Tech student (Computer Science) and would like to persue MS either in UK or US. I Dont have any knowledge about the right process. Can you please guide me how should i prepare for the same?

Ans: Hello,

First and foremost, thank you for contacting us. An important move in your academic and professional journey involves preparing to pursue an MS in Computer Science in the UK or the US. For the same, careful planning and preparation is crucial. The process involves the below mentioned steps:

1. Study available options: The first step involves conducting a thorough research on universities and courses offered in both the UK and the US. Take into account each program’s standing, the location, expense, and particular research fields or specialties you are interested in.

2. Academic Readiness: Ensure you have a good academic record. Maintain a high grade point average (GPA) and enroll in specialized courses in your preferred field.

3. Appear for Standardized Tests: English proficiency tests like the TOEFL or IELTS are often required for admission to universities in the UK. On the other hand, the GRE is required by majority of the universities in USA. Look into the unique criteria of your programs’ of interest.

4. Statement of Purpose/Personal Statement: Compose a convincing SOP that highlights your academic and professional ambitions, your reasons for wanting to pursue an MS, and your interest in the said course and university.

5. Recommendation Letters: LoRs are of prime importance in the application process. You will need to submit letters of recommendation from professors who can attest to your intellectual prowess and character.

6. Curriculum Vitae/Resume: Make a strong CV outlining your academic accomplishments, research expertise, apprenticeships, and any pertinent projects or publications you’ve submitted.

7. Plans your Finances: Look into the finance possibilities, scholarships, and opportunities for assistantship. International students studying in both, the UK and the US are offered scholarships.

8. Submission Deadlines: Each university has different deadlines, keep tabs on application deadlines for the programs of your choosing.

9. Visa Prerequisites: Familiarize yourself with the visa requirements to study in the UK or US. The application process for each country is unique, and you will require to apply for a student visa.

10. Prepare for Interviews (if necessary): As part of the application process, certain programs may require students to appear for interviews. Prepare for the same by evaluating your application documents and practicing your answers to such inquiries.

11. Submit your Applications: Via the official websites of the universities or through the application portals, submit your applications. Take note of all the necessary documents and costs.

On receiving admission offers, the next step involves preparing to migrate. As part of this, you should find accommodation, organize your funds, and get the required immunizations or medical exams done. Plan your travel beforehand, and on arrival, attend the orientation program held by the university. Prepare yourself for both academic and cultural adaptations. For assistance, consult academic counselors and avail international student services. Start socializing with other students and professors early. Search for internship openings that match your professional objectives.

The application process being cut-throat, you will need to begin well in advance and work hard on every part of your application. In addition, consult professors, mentors, and former students who have already undergone the procedure. All the very best for your MS journey!

For more information, you can visit our website.
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Study Abroad Expert - Answered on May 29, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Hello sir I m pursuing my CSE and am about to complete it after 2 months. Looking for prospects of going for MS abroad. Kindly guide me the universities and countries in order of preference taking in to consideration expenses part also and should I opt for MS in CSE or in specific area like AI & ML etc. Please also suggest how can I apply for the same.
Ans: Hello. Thank you for coming into contact with us. Pursuing a Master of Science (MS) abroad is a significant step that would boost your career prospects. Let me tell you that both CSE, AI, and ML are tremendously growing sectors. Pursuing either one would be advantageous for you. You may choose to pursue either of them, depending on where your interest lies.

In terms of the ideal countries where you can choose to pursue MS, the USA, Canada, Germany, the UK, and Australia are the best nations. The cost of studying in each nation may vary depending on the country. Furthermore, you can choose to pursue your desired program. Massachusetts Institute of Technology (MIT), Stanford University, Carnegie Mellon University, University of California, Berkeley, California Institute of Technology (Caltech), University of Toronto, University of British Columbia, McGill University, University of Waterloo, and Technical University of Munich (TUM), among many others.

Best of luck for your future. For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

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Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

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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