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R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Mar 05, 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 - Jan 18, 2024Hindi
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Career

My son done 12Th from ISC Board in 2020 and joined HCL Tech bee on June 2021and after Completion of Tanning in June 2022 appointed as Analyst in HCL but due to some issue he reigned on 04.01.2024. Presently he is doing BCA from with HCL Partner Team, may be HCL to be stop his BCA with his Partner. Now you are requested please advice best option for his Future.

Ans: I understand that your son has had an interesting journey so far, and it’s essential to consider the best options for his future. Given his background and current pursuit of a BCA (Bachelor of Computer Applications) degree, here are some career paths he can explore:

Master of Business Administration (MBA):
Pursuing an MBA is a popular choice after BCA. It covers various aspects of management, organization, human resources, finance, and other critical business areas. An MBA can open doors to leadership roles and enhance his business acumen1.
Technical Analyst:
As a technical analyst, he can analyze technical requirements, troubleshoot issues, and provide solutions. This role doesn’t necessarily require extensive coding skills but demands a strong understanding of technology and problem-solving abilities.
Data Scientist:
Data science is a rapidly growing field. If he enjoys working with data, statistical analysis, and machine learning, becoming a data scientist could be a rewarding path. Data scientists extract insights from data to drive business decisions.
Web Developer:
Web development involves creating and maintaining websites. While coding skills are beneficial, there are tools and platforms that simplify web development. He can specialize in front-end (user interface) or back-end (server-side) development.
Digital Marketer:
Digital marketing focuses on promoting products or services through online channels. It includes social media marketing, content creation, SEO, and analytics. Coding is not a prerequisite for digital marketing.
Software Developer Trainee:
If he wants to continue in software development, he can explore entry-level roles as a software developer trainee. These positions often involve learning on the job and gradually gaining expertise.
Cyber Security Expert:
Cybersecurity is critical in today’s digital landscape. Cybersecurity experts protect systems, networks, and data from threats. While some roles may require coding, others focus on policy, risk assessment, and security protocols.
Blockchain Developer:
Blockchain technology is gaining prominence. Developers in this field work on creating decentralized applications (DApps) and smart contracts. While coding is involved, it’s a specialized skill.
Banking Sector:
The banking and financial industry offers various roles related to technology, operations, and customer service. He can explore positions in banking operations, customer relationship management, or IT support.
E-commerce Executive:
E-commerce companies require professionals to manage their online platforms, product listings, and customer interactions. This role involves understanding e-commerce tools and platforms.
Educator:
If he enjoys teaching, he can explore opportunities in education. Becoming a computer science teacher or trainer allows him to share his knowledge with others.
Remember that each career path has its own requirements and growth prospects. Encourage your son to explore his interests, gain practical experience through internships, and stay updated with industry trends. His passion and dedication will play a significant role in shaping his successful future!
Career

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Rohit

Rohit Gupta  | Answer  |Ask -

Edtech/Online Education Expert - Answered on Jan 13, 2024

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My son has taken admission in HCL Tech Bee. There is 1st year training and after one year training he will be join full timer job in hcl tech bee and simultaneously joining for higher education degree course from BITS Pilani, Amity University, IIT Guwahati. how will it be for my son for future Please advise and guide me
Ans: Firstly, congratulations to your son on securing admission to the HCL Tech Bee! This program presents a unique and promising pathway for his future. The dual approach of practical work experience and higher education from esteemed institutions like BITS Pilani, Amity University, or IIT Guwahati is advantageous. The practical training during the first year at HCL Tech Bee offers valuable industry exposure, allowing him to apply theoretical knowledge in a real-world setting. This hands-on experience is instrumental in honing his skills and understanding the dynamics of the IT industry.

Simultaneously, pursuing a higher education degree from a reputable institution adds more academic excellence to his profile. Earning a degree from BITS Pilani, Amity University, or IIT Guwahati is not only prestigious but also aligns with the evolving demands of the job market.

While the benefits are substantial, it's essential to consider the challenges. Your son must effectively balance the demands of both work and studies. Time management and organizational skills will ensure a smooth and successful experience. Encourage him to actively engage with colleagues at HCL Tech Bee and professors at his chosen institution, as networking is key to building a strong professional foundation. Combining practical industry exposure with academic rigour, this dual approach sets a solid foundation for his future endeavours.

With your support and his dedication, this journey can pave the way for a successful and fulfilling career. All the best!

..Read more

Aasif Ahmed Khan

Aasif Ahmed Khan   | Answer  |Ask -

Tech Career Expert - Answered on Jul 02, 2024

Latest Questions
Naveenn

Naveenn Kummar  |231 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Nov 13, 2025

Money
Dear sir/madam I have some ten lakh in NRI FD for 7% interest, if I keep 50%in mutual fund can I use the amount any of emergency as well as which mutual fund suggest for me
Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

...Read more

Nayagam P

Nayagam P P  |10837 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2025

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Asked by Anonymous - Nov 07, 2025Hindi
Money
Sir, I am 39 years PSU employee with monthly net salary of 1.10 lacs. I have a son of 9 years and daughter of 1 year. I am investing in MF through SIPs and lumpsump for last 7 years and my present MF portfolio is 50 lacs with XIRR of almost 18%. Presently I do SIP of 30000 per month. I also have housing loan and my EMI is 42000. I am provided accomodation and medical facilities from my employer. I also have accumulated 18 lacs in PF and Rs. 28 lacs in NPS. I have Term plan of 1.5 crs. I also have liquid funds of 10 lacs in FD for emergency purpose and approx 7 lacs in PPF. Since my child's major education expenses is still 7 to 8 years far for my son and 15 years for my daughter, I will continue my SIP of atleast for next 8 to 10 years without breaking my existing portfolio. Can I generate a corpus of more than 7 crs till my retirement with above funds and will it be sufficient to meet the inflation after 20 years.
Ans: Hi,

You have done and accumulated quite good at your age in different instruments with varied returns. Let us have a detailed look.

1. Emergency Fund - 10 lakhs in FD - good to go.
2. Term Plan - 1.5 crores - good to go.
3. Health Insurance - provided by employer. However, can take a separate personal insurance for yourself and family.
4. PF - 18 lakhs (continue)
5. NPS - 28 lakhs (continue)
6. PPF - 7 lakhs (can stop continuing, invest only bare minimum to keep account active. Close account upon maturity and reallocate these funds in mutual funds)
7. MF Portfolio - 50 lakhs with 30k monthly SIP
8. Home Loan EMI - 42000

Goals:
- Son's education - after 8 years
- Daughter's education - after 15 years
- Retirement - need 7 crores

You are very much on the right track. Your current financials look strong in terms of fulfiling your financial goals.

> Your current MF portfolio can be bifurcated into 2 parts
i. 40 lakhs for your retirement. This amount along with other amount from PF and NPS will finance your retirement forever (inflation adjusted). Additionally you wil lleave behind a great fortune for your kids.
ii. 10 lakhs for your kid's education. Continue your existing SIP of 30k per month and also contribute 7 lakhs from PPF account on its maturity towards this goal. For son, you will have 75 lakhs only from this investment and your daughter's education will have 1.5 crores when she requires.

This way your existing investments can take care of all your goals. Also, do increase your contibution in SIP yearly. It will help in generating a higher corpus for your family.

As your overall investments are more thann 10 lakhs in MFs, it is wise for you to connect with a professional who will assist you and make a dedicated investment plan as per your goals.
Hence, do consult a professional Certified Financial Planner - a CFP who will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |360 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 13, 2025

Money
My current age is 41 Years old and private employe in I.T sector. I have five kids of 11,8,7,5 &2 years. My elder daughter is in 7th class now. I have monthly Net salary of 1 lakhs after taxes. I am saving 20/30 thousand monthly. My assets are as follows:- I have one house worth Rs.15 lakhs, Two commercial shops worth Rs, 50 L. Having no loan in the market. Insurance Rs. 50 L term plan for me. Yearly I pay 40k. Health insurance 11 lakh for my entire family from my organisation.Yearly I pay 20k. I maintain an emergency fund 1.5 lac liquid on hand. Would like to make a total fund og 5 Cr by 2035. I have a requirement during higher education for childerns/marriage/Business for my son's and retirement at my age of 51 yrs after 10 years. How to grow my income. I would like to focus on high-growth investment to achieve my goal. But I am planning to invest monthly from my salary. More ever I may get 4lack in next month. Now the thing is how to go about 4lack. Where to invest Am confused what to do. Kindly advise further for more wealth creation. Steady plan. Wealth builds slowly but surely. Can someone help design a withdrawal/Saving strategy to meet your income needs and achieve goal. I would like comfortable retirement with a steady income. Thanks....
Ans: Hi Syed,

Let us have a detailed look below:
- Your monthly income - 1 lakhs, expenses - around 75k , and money for saving - approx. 25k per month.
- Emergency fund - 1.5 lakhs . Would suggest you to make a FD of this fund as emergency fund.
- Term and Health insurance - covered. But sum assured is less for your family. It should be increased.
- One house - 15 lakhs; 2 commercial shops - 50 lakhs.

Requirements:
- Need 5 crores by 2035 i.e. in 10 years
- Need fund for higher education and marriage of 5 children
- Retirement corpus required after 10 years

To achieve all these goals, you need to invest starting right now in aggressive mutual funds with 25-30k left with you. And you can increase your investment with the increase in your income.
Realistically, retirement after 10 years is not possible, but you can try and upgrade your skills to earn more and invest more.

You are also getting 4 lakhs next month. Invest entire amount in aggressive mutual funds. Mutual funds will give you an annual return of 14-15% very easily. This is the best way to build wealth for the goals that you mentioned.
>> Make sure to stay away from LIC policies and ULIPs and other plans which lock your money.

As you are not much aware about mutual funds and investment, you should work with a professional who will draft a plan for you.

Hence, please consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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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