I HAVE DONE ARCHITECTURE. COULD PLEASE GUIDE ME SHOULD I CONTINUE WITH MY JOB OR SHOULD I START MY PRACTICE. I AM IN A FIX. I WILL BE OBLIGED IF YOU COULD PLEASE GUIDE ME IN THIS REGARD.

Hello Sir, I am a 57 year old ex banker and now an Advisor. I am based in Gurgaon. I want to know whether I can retire now. Here are my case specifics : 1) No Liabilities whatsoever 2) No dependents - wife (52) and son (26) both have their own income sources and are not dependent on me for support . They also have their separate health insurance - each having 50 L + of insurance . Son has an independent investment corpus. 3) I have my own health insurance policy for Rs 50 L 4) Parents on both sides have reasonable monthly pensions, own investments ( which keep increasing month on month), and have adequate medical covers of their own . They are financially not dependent on us , and staying independently. 5) Family monthly expenses do not exceed 1.5 L ( including medical insurance premia and Wifes term insurance premium). I dont have any SIPs or term insurace premia OR EMI to pay. (In the monthly expenses, I have not factored in the following - foreign trips once in 3 years each with an outlay of Rs 5 L, upskilling courses at IIM etc - 2.50 L , trips for business development for my consulting practice to other cities, treks etc etc. These are all discretionary expenses and could go up to roughly Rs. 7-8 lacs annually. ( this is actually bothering me as to how to fund it without touching my corpus) 6) I continue to get advisory income of Rs 2 L per month and net of expenses manage to additionally invest Rs 0.50 L per month , largely into direct equity 7) My portfolio (self and wife combined) i) MF (70% largecap , hybrid, Multi asset, ; small portion 15% of small and mid cap and rest into BAF plus debt MF ) - Rs 5.7 cr - (portfolio yield of 15%+ XIRR) ii) Fixed income - bank deposits - of Rs 1.5 cr Iii) A rated Bonds - 0.15 cr Iv) Gold holdings - 1.3 cr V) Direct equity - 0.30 cr Vi) PPF- 0.10 cr Vii) Other investments --0.25 cr (Foreign currency holdings, Senior secured bonds , P2P investments, Unlisted securities, Invoice financing, + Angel investing small amount Viii) Cash in hand 0.05 cr Ix) Own house ( no mortgage) - Rs 4.5 cr (current value including all fittings and interiors), and expected to reach Rs 5 cr + in a years time. My next action items in the investing / life journey A)Sale of house - will definitely do when my target price is hit OR max 5-7 yrs from now. Me and wife will then move to a rented smaller apartment . Even at a bare minimum FD interest, I should comfortably be able to fund the rent for an upscale 2 BHK B) I have one car worth 5 L - no intention to dispose it off or upgrade. C)I want to chase better returns on my MF portfolio and overall too. Willing to diversify and take on additional risk D)Focus on life goals of - health, being independent physically, upskilling, occasional travel AND social causes , charitable causes. E)Intend to work till age 65 (gainfully employed) F)After 65 will continue to do pro-bono work and teach. G)Will start aggressively travelling only after age 75 . H)Only other outgo will be for sons wedding - that will go as a loan to my son - upto Rs 50 L. (3-4 years from now). In short , a frugal lifestyle , and focus on high investment yields. I have not considered inheritance amt exceeding Rs 3 cr + (current value - invested in bank FDs), that will come to me and wife, ( at some point in time) PLs advise whether I am financially ready to retire.

Respected Sir, I am 50 years old with 29 years of EPC and hydrocarbon project experience. I hold DME (1996), B.Tech (2008, JNTU Hyderabad) and a company-sponsored PGPX Management Education Programme from IIM Ahmedabad. I would like to know if I can pursue a Ph.D. in Management or Construction/Project Management without an MBA. How should I prepare for it considering my heavy job pressure? Will the Ph.D. require extensive studying, and how feasible is it while handling high-stress projects? Will it support my career growth or simply fulfill a personal aspiration, and what are the expected fees and timelines?

Sir, what are your thoughts on NMIMS Hyderabad campus? I have the offer, but I am a little skeptical because I wanna know the reality of the campus before I proceed. Also, do you think KJ Somaiya would be a better option as opposed to NMIMS Hyd?

My son is finishing his 12th Boards CBSE in science stream with conputer science. Domicile chennai. He has applied to VIT, SRM, SNU Chennai and Manipal Bengaluru for Btech CSE and waiting to take entrance exams. Also considering applying to Sai university as a backup as he would prefer to stay in chennai. Would like a feedback on the University please

Sir mai 2018 me 10th kiya hu 2026 me nios se 12th krke neet ki paper de skte h ??? Aisa Munkin hai ya nhi

Tips for kcet exam and required books for kcet exam if I'm in 2PUC

My daughter got 85.9 percentiles in JEE mains session I. What branch she could get in JIIT, Noida or any best college having good placement and education then JIIT.

Sir your answers are detailed. I am from Maharashtra and I am planning for NEET 2026. Can you explain how state counselling works? Do I need to apply separately?

Thanks for your response. I had consulted a psychiatrist few years back but her prescibed medicines did not help. My wife used to feel sleepy and her hands used to go numb. Also the doctor had prescribed a shock treatment which I did not agree. Nevertheless I will again go for an experienced doctor for couple therapy together. My wife does not like even when we consult female doctors. I stay in Thane, Maharashtra, do you recommend any MALE doctors in this place who I can approach. Please advise & Thanks once again !