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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Jan 11, 2024

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
Southa Question by Southa on Sep 24, 2023Hindi
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My son is doing 2nd year mbbs in tamil nadu government medical college, he wants to do his pg in Australia or dubai suggest me what are the steps needed for that ? We are below middle class .

Ans: Hello Southa,

To begin with, thank you for contacting us. I am glad to hear that your son is currently pursuing the 2nd year of his MBBS degree and thereafter wishes to pursue his post-graduation (PG) in Australia or Dubai. As an answer to your query, I would like to tell you that the following procedures and considerations need to be taken into account in order for your son to pursue his postgraduate studies. Your son will first need to shortlist universities that provide the PG programs he’s interested in pursuing. I would recommend that he looks into the particular prerequisites as well as eligibility requirements for postgraduate courses in these preferred countries. This entails academic credentials, examinations viz., the PLAB or AMC exams in Australia, hands-on (job) experience, as well as appearing for language competency tests viz., OET or the IELTS. Fill out and submit applications, and be sure to include all the necessary documentation. Your son will also need to consider other aspects. He will need to take into account the prerequisites for health insurance for overseas students in the country he decides to study in. I would also suggest that your son investigates the lodging options and arranges for the same well in advance. In addition, considering you belong to the middle-class category, it’s essential that your son plans his finances. He should investigate the grants, scholarships, and other forms of monetary assistance offered to overseas students studying in Australia or Dubai. Moreover, to reduce the costs of living, your son should engage in part-time jobs available for students in these nations. He should comprehend the visa prerequisites associated with studying in these two countries and finish the visa application procedure. Remember that acquiring assistance from experts or academic advisors with expertise in foreign admissions can prove beneficial. They will be in a better position to offer guidance throughout the application procedure, provide assistance with all the required paperwork, as well as provide information on the courses that would best resonate with your son's future goals and monetary circumstances. Finally, to enhance your son’s application to pursue postgraduate courses abroad, I would recommend that you support him in achieving academic excellence and acquiring pertinent work experience.

For more information, you can visit our website.
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Study Abroad Expert - Answered on Apr 08, 2024

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My son passed MBBS from IPGME&R ,KOLKATA,INDIS IN 2022, passed PLAB2, UK, in 2023.He has licence of both India and UK. He want to Research in Medical. He also want to study further in Medicine. Where can he fulfill his dream?
Ans: Hello Amitabha,

To begin with, thank you for contacting us. Congratulations to your son on passing the MBBS and PLAB2 examinations. To answer your question first, I would like to tell you that your son’s intentions to pursue medical research and study medicine further presents him with ample opportunities to accomplish his dreams. However, we only deal with overseas education. Your son can take into consideration these options:

Research possibilities in universities or well-known medical facilities in the UK could be looked into by your son. You will be glad to know that scholarships and jobs in research are offered by a number of institutions in a broad range of medical disciplines. Your son could take up jobs that best resonate with his objectives and interests, be it basic science research, clinical research, or translational research. Secondly, remember that dual qualification programs encompassing both, medical training with research opportunities, are offered by certain universities. Programs that enable your son to conduct research and pursue clinical training in a specialty of his choice at the same time, should be looked into be him. As a third option, given that your son already holds a degree in medicine and license in the UK, pursuing specialized study in a specific field of medicine could be considered by him. This may entail submitting applications for fellowships or residency in medical facilities that are renowned for their proficiency in the field of his specialization. Next, studying a PhD or doctoral studies in a pertinent field could be considered by your son if he is passionate about learning more about medical research. PhD programs in subjects viz., public health, epidemiology, biomedical sciences, or other medical disciplines are offered by a number of universities. These programs, which usually entail undertaking original research, can prepare students for careers in the pharmaceutical sector, research facilities, or academia. Apart from the ones mentioned above, your son could actively participate in organizations or global health projects that emphasize healthcare delivery in underserved communities and medical research. In doing so, he can acquire significant hands-on experience as well as the possibility to make a significant contribution to the medical field. Your son’s hobbies, professional ambitions, and personal choices will ultimately determine his ideal path and thus, I would recommend that he investigates various options, acquires guidance from academic counselors or mentors, and take up possibilities that best resonate with his objectives and interests in the medical domain.

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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Apr 12, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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How to do PG in Dubai after completing mbbs
Ans: Hello,

To begin with, thank you for contacting us. I am glad to know that you have pursued your MBBS and now wish to pursue postgraduate (PG) studies in Dubai. There are several steps that you will need to follow for the same:

Firstly, you will need to look into the various postgraduate programs that Dubai has to offer. Examine medical institutions and universities that provide specialization courses in your area of interest. Secondly, make sure that you adhere to the entry prerequisites for the program you have chosen which usually entails minimum academic credentials, appearing for language competency tests as English is usually necessary, submission of USMLE, PLAB, etc. test results, and possessing any particular experience or requirements. As the next step, after having selected your preferred course, you will need to apply following the application requirements provided by the university. For the same, you will be required to complete an application form, submit relevant paperwork viz., marksheets, statement of purpose, endorsement letters, and CV, and pay the application fees, if any. Remember that you will need to obtain a student visa for the purpose of studying in the country if you are a non UAE citizen or resident. For precise visa prerequisites and the process of applying, check the UAE consulate or embassy in your country. Take into account the expenses pertaining to your postgraduate studies viz., tuition costs, housing, living costs, as well as other expenditures. I would recommend that you examine the various grants, scholarships, and other forms of monetary assistance that the university has to offer. Make housing arrangements in Dubai, be it on-campus or off-campus. In order to acquire a convenient and comfortable place to live, I would suggest that you start searching well in advance. If you are moving to Dubai, make the appropriate travel, housing, and settlement plans. Get acquainted with the local way of living, cultural norms, as well as any rules or specifications that may apply to overseas students. After having made all the necessary preparations and once you have acquired your visa, you can embark on your postgraduate journey in Dubai. Be a part of orientation programs, get to know the faculty members and the campus, and begin your educational journey towards becoming a medical specialist. For a seamless transition from MBBS to postgraduate study in Dubai, always keep yourself engaged, proactive, and well-organized all along the way.

For more information, you can visit our website.
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Sushil

Sushil Sukhwani  |324 Answers  |Ask -

Study Abroad Expert - Answered on Apr 25, 2024

Asked by Anonymous - Apr 15, 2024Hindi
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Ny son is doind bachelor of Phesiothrepy and want to study further for post graduation in USA or some other country please tell me full detail for admission after he can work there or not
Ans: Hello,

To begin with, thank you for contacting us. I am glad to hear that your son is currently pursuing his Bachelor of Physiotherapy and further intends pursuing his post-graduation in the USA or some other country. To answer your question first, I would like to let you know that pursuing physiotherapy is a fulfilling career, and opting for PG studies overseas can present outstanding chances for development and specialization. Concerning your query regarding the procedure for admission and future employment possibilities for your son in the USA or another country, I would suggest that you consider the following:

As part of the admission procedure, your son should first conduct a comprehensive study on postgraduate programs in physiotherapy or associated fields both in the USA or other countries. He should look for universities with a solid standing in his field of expertise. Next, remember that the admission prerequisites for each university is unique. These generally entail submitting academic marksheets, scores of standardized tests viz., the GMAT or GRE, a personal statement or statement of purpose (SOP), endorsement letters, and at times, professional experience. Your son may be required to prove his fluency in English through appearing for tests viz., the IELTS or TOEFL, if he's a non-native English speaker. According to the particular guidelines set by each university, your son will then need to submit his application via mail or through the university's online portal. If your son is accepted, as the next step, he will need to apply for a student visa. Remember that based on the country he wishes to study in, this procedure can differ. Nevertheless, I would like to tell you that guidance for the same can be provided by the university's international student office. Lastly, make sure your son is aware of the costs associated with attending, viz., tuition fees, costs of living, and any scholarships or financial aid that may be applicable.

Concerning your query regarding employment opportunities post-graduation, I would like to tell you that your son, upon completing his studies in the USA, may qualify for Optional Practical Training (OPT), which permits international students to work for up to one year following graduation in their area of expertise. Nevertheless, an extension of up to 36 months is available for OPT in some STEM (Science, Technology, Engineering, and Mathematics) programs. Your son should think about applying for an H-1B visa if he intends working in the USA beyond OPT. This visa enables U.S. firms to temporarily employ foreign workers in specialty vocations. However, owing to yearly quotas, acquiring an H-1B visa might be challenging. Next, if your son intends studying in another country, I would like to tell you that he should look into the employment opportunities post-graduation that are available there. Remember that international students are offered post-study work visas or pathways to permanent residency by several nations. I would like to let you know that each country has different laws governing the practice of physiotherapy. To practice as a physiotherapist in a new country, your son may be required to take licensing examinations or further training. I would recommend that your son networks with industry professionals and looks for internship possibilities while he is studying. Remember that developing relationships and obtaining hands-on experience can improve your son’s career opportunities after graduating.

By adhering to these steps and taking into account the particular prerequisites and prospects in the destination of his choice, your son can pursue his postgraduate studies overseas and possibly start a fulfilling career in physiotherapy.

For more information, you can visit our website.
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Maxim Emmanuel  |186 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 28, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello my name is yash I have completed by studies in bsc it I have done jobs of cashier and application support analyst during my studies. No my studies are over I find myself to fit in job as per requirement but I am not satisfied sometimes I feel I am not meant for this I have issues from office like work extra over over time. I want to ask is there everywhere over time of employees to be spend 10-12 hours in office. Secondly I feel that should work in environment where I can move and do work means field work in which I feel I am not bounded in short I want work life balance. I love to read books, I love to do on ground activities in back of my mind I have civil services plan in which I have a permission to work freely. But condition is that how can I do if office demands max hours of my life it's bit confusing for me
Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!
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Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Arun Prasad v k, hi sir, I am 46 yrs wish to retire by 55. Presently I have 25 lacs in fixed deposit, 15 lacs in post office savings , house rent8k, monthly 25k as salary. Besides, this I have 30k as monthly expenses... I have no idea / knowledge about mutual fund and I want to invest regularly for more 10 years...systematically and at the time of 55 I want to get best amount as pension amount..without loosing investment amount to beat the inflation. Kindly suggest me good mutual fund and tell me how to invest directly..without agent.. 2. My fixed deposit going to mature this month for Rs.11 lacs. Kindly suggest ,is it advisable to invest as lumpsum Or in what way to invest.
Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Dec 30, 2023Hindi
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I'm 27 year old female. I earn 29k per month. I want to start an SIP and save enough (5lakh) for my marriage that I expect will happen after three years what's the best way for me to go about this goal?
Ans: Starting an SIP to save for your marriage is a wise decision, and with a clear goal in mind, you can work towards achieving it effectively. Here's a suggested approach tailored to your situation:

Determine Required SIP Amount: Calculate the monthly SIP amount required to accumulate 5 lakhs in three years. Assuming an average annual return of around 10%, you'll need to invest approximately 12,000 INR per month.
Select Suitable Mutual Funds: Choose mutual funds that align with your investment horizon and risk tolerance. Given your relatively short time frame of three years, consider allocating your investments to relatively safer options such as debt funds or hybrid funds with a higher allocation towards debt.
Explore Debt and Hybrid Funds: Look for debt funds or hybrid funds with a conservative allocation that prioritize capital preservation while aiming for modest growth. Consider funds with a track record of stable returns and low volatility.
Set Up SIPs: Open SIPs in the chosen mutual funds and set up monthly contributions of 12,000 INR. Ensure that the SIP amount is deducted automatically from your bank account each month to maintain consistency in your investment approach.
Regular Monitoring: Keep track of the performance of your SIPs and review them periodically. Make adjustments to your investment strategy if necessary based on changes in market conditions, fund performance, and your financial goals.
Explore Additional Savings: Consider supplementing your SIPs with additional savings from any windfalls, bonuses, or surplus income to accelerate your goal achievement.
Stay Committed: Stay committed to your SIPs and avoid withdrawing funds prematurely unless absolutely necessary. Remember, consistency and discipline are key to achieving your financial goals.
By following these steps and staying focused on your goal, you can save enough for your marriage within the desired timeframe while building a healthy financial habit for the future.
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Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Sir please suggest amount as well as mutual fund for 15 years to generate corpus of 1cr
Ans: To generate a corpus of 1 crore in 15 years, you'll need to invest a significant amount regularly and choose suitable mutual funds with growth potential. Here's a suggested approach:

Determine Investment Amount: Considering your goal of accumulating 1 crore in 15 years, you'll need to calculate the monthly investment required based on expected returns. Assuming an average annual return of around 10%, you'll need to invest approximately 30,000 INR per month.
Select Mutual Funds: Choose a mix of equity mutual funds that offer potential for capital appreciation over the long term. Consider allocating your investments across large-cap, mid-cap, and multicap funds to diversify risk and maximize returns. Look for funds with a consistent track record of performance, experienced fund managers, and a robust investment strategy.
Allocate Funds: Divide your monthly investment amount of 30,000 INR among different mutual funds based on your risk tolerance and investment goals. For example, you could allocate 40-50% to large-cap funds, 30-40% to mid-cap funds, and 10-20% to multicap funds.
Regular Monitoring: Regularly review the performance of your mutual funds and make adjustments as needed based on changes in market conditions, fund performance, and your financial goals. Stay disciplined and committed to your investment plan to achieve your target corpus of 1 crore in 15 years.
Consult a Financial Advisor: Consider seeking advice from a Certified Financial Planner who can provide personalized recommendations based on your financial situation, risk profile, and investment objectives. They can help you create a customized investment plan and guide you towards achieving your long-term financial goals.
By following these steps and staying disciplined with your investments, you can work towards building a substantial corpus of 1 crore over the next 15 years. Remember, consistency, patience, and informed decision-making are key to successful long-term wealth creation.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

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Hi sir, Maine niche likhe hue sabhi fund mein mutual fund investment ki hai Small cap fund... Quant, HDFC, Mahindra, ICICI, canara rebeco Mid cap fund....Quant, HDFC, Mahindra, motilal oswal, canara rebeco Multicap fund.... HDFC and Mahindra Sectoral themetic fund... Nippon power& infra, DSp India tiger fund, ICICI manufacturing, ICICI innovation, axis manufacturing Plz mujhe suggest Karo.. aage bhi main yeh invest ment continue Karu ya . Fund change Karu...
Ans: It's great to see your diversified investment approach across different categories like small-cap, mid-cap, multicap, and sectoral thematic funds. However, the decision to continue or change your investments depends on various factors such as fund performance, your investment goals, risk tolerance, and market conditions.

Here are a few steps to consider:

Review Fund Performance: Evaluate the performance of each fund relative to its benchmark and peer group over different time frames. Look for consistency, risk-adjusted returns, and the fund manager's track record.
Assess Investment Goals: Reflect on your investment goals, time horizon, and risk tolerance. Are you investing for short-term gains or long-term wealth creation? Your goals should drive your investment decisions.
Analyze Fund Strategy: Understand the investment strategy and underlying holdings of each fund. Ensure they align with your investment objectives and risk profile. Assess if any funds are deviating from their stated strategy or experiencing manager changes.
Consider Market Conditions: Take into account current market conditions, economic outlook, and sectoral trends. Certain sectors may perform better in specific market cycles, so diversification across sectors can mitigate risks.
Consult a Financial Advisor: Seek advice from a Certified Financial Planner who can provide personalized recommendations based on your individual circumstances. They can help you assess your portfolio, identify any gaps, and suggest appropriate changes.
Ultimately, the decision to continue or change your investments should be based on a thorough analysis of fund performance, alignment with your goals, and professional advice. Regularly review your portfolio and make adjustments as needed to stay on track towards achieving your financial objectives.
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Ramalingam

Ramalingam Kalirajan  |928 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 26, 2024Hindi
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Hello sir, I am 34 yeRs old and monthly income is 1.8 lakhs. I have a home loan EMI of 55000. I want to invest 40000 in MF SIP. Can you please provide a breakdown where should i invest and how much?
Ans: It's great to see your proactive approach towards investing despite having home loan commitments. Given your financial situation, here's a suggested breakdown for investing 40,000 INR in mutual fund SIPs:

Diversified Equity Funds (Large Cap/Multi Cap): Allocate around 60-70% of your SIP amount, i.e., 24,000 to 28,000 INR, to diversified equity funds. These funds offer exposure to a mix of large-cap and multi-cap stocks, providing stability and growth potential over the long term.
Mid Cap and Small Cap Funds: Allocate around 20-30% of your SIP amount, i.e., 8,000 to 12,000 INR, to mid-cap and small-cap funds for higher growth potential. These funds are more volatile but can offer significant returns over an extended investment horizon.
Balanced/Hybrid Funds: Consider allocating a small portion, around 10-20% of your SIP amount, i.e., 4,000 to 8,000 INR, to balanced or hybrid funds. These funds invest in a mix of equities and debt instruments, providing a balance between growth and stability.
Asset Allocation: Adjust the allocation percentages based on your risk tolerance, investment horizon, and financial goals. Regularly review your portfolio's performance and make necessary adjustments to ensure alignment with your objectives.
Professional Advice: Consider consulting with a Certified Financial Planner who can provide personalized guidance based on your financial goals, risk profile, and investment horizon. They can help you select suitable mutual funds and create a well-diversified portfolio tailored to your needs.
By following this breakdown and seeking professional advice, you can build a robust mutual fund portfolio that aligns with your financial objectives and helps you achieve your long-term wealth creation goals.
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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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