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Rohit

Rohit Gupta  | Answer  |Ask -

Edtech/Online Education Expert - Answered on Feb 09, 2024

Rohit Gupta is the co-founder and COO of College Vidya, a one-stop solution for making informed online education choices.
Rohit is a first-generation entrepreneur who currently leads the company’s marketing and operations department.
A TEDx speaker, he was honoured with the ET Leadership Excellence Award 2022 for his effort in helping shape the lives of over 90,000 students through his platform.
Rohit is passionate about the potential of online education and is on a mission to democratise access to quality education and career opportunities.
He completed his schooling from Scholars Home in Dehradun and holds a bachelor’s degree in commerce from Deshbandhu College, Delhi.
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Deeksha Question by Deeksha on Dec 10, 2023Hindi
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Career

Hi , I have done my post graduation MSc in Zoology ,What are the other options apart from net jrf.

Ans: Besides NET JRF, other job choices for MSc Zoology people are:

1. Positions as a study assistant in labs or research centers.
2. The jobs of a wildlife biologist or conservation scientist in government or non-government groups that work to protect wildlife.
3. Jobs as a zoo curator or animal caretaker in aquariums or zoos.
4. Those who work as environmental consultants for government bodies or environmental consulting companies.
5. Biology teacher or lecturer jobs in schools, colleges, or universities.
6. Works as a science writer or communicator in the media, museums, or groups that promote science education.
7. Jobs as a fishing biologist or an aquatic ecologist in groups that handle fishing or do studies in water.
Career

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Sushil

Sushil Sukhwani  |611 Answers  |Ask -

Study Abroad Expert - Answered on Aug 31, 2023

Asked by Anonymous - Aug 30, 2023Hindi
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I hv done MSC zoology want to purse higher education further but I am not sure what will be beneficial for me to get job later
Ans: Hello,

To begin with, thank you for getting in touch with us. Deciding to pursue further education in order to boost your career possibilities is of prime importance. Having already earned an MSC in Zoology and aspiring to pursue higher education, when selecting a course that will prove advantageous for your future job possibilities, keep the following factors in mind:

1. Discover Your Strengths and Hobbies: Within Zoology and its associated fields, think about your areas of interest. Think about the disciplines or elements of zoology you loved the most while pursuing your MSC program. Discovering your strengths can help select a specialty that best matches your abilities.

2. Get To Know The Market Demand and Trends: To learn about the most sought-after areas of zoology or associated fields, conduct extensive research on the labor market. Search for the newest trends viz., environmental science, bioinformatics, or conservation biology, that may offer promising future employment possibilities.

3. Research and Collaboration: Through social media platforms like LinkedIn, get in touch with experts in the zoology field, take part in conferences, and get involved in discussions to better understand the present job market and the highly sought-after abilities.

4. Certifications/Qualifications: Based on your future ambitions, earning certifications in ecological assessment, wildlife conservation, or science communication might prove advantageous. Your employability and abilities in specialized fields can be boosted through these credentials.

5. Think About Further Specialization: You might want to pursue a PhD degree in a certain branch of zoology that fascinates you. You can take up research roles in academics, government institutions, or private businesses as a result.

6. Education and Outreach: Think about earning a degree in science education or science communication, if you have a liking for education. This would enable you to teach or communicate scientific concepts to students or the public.

7. Biotechnology and Bioinformatics: If the intersection of biology and technology is something that interests you, pursuing a master's in biotechnology or bioinformatics could equip you with pertinent skills for industries viz., genetics, pharmaceuticals, and healthcare.

8. Environmental Management: A master's in environmental management or an associated field could be a wise decision if you're interested in environmental impact assessment, sustainability, or conservation.

9. Hiring at Government and Non-Profit Organizations: Experts with a zoology background are hired by a number of government organizations and charitable institutions for wildlife management, conservation, and environmental policy job roles.

10. Undertake Internships and Acquire Experience: Undertake internships, volunteer work, or part-time jobs to acquire practical experience. Gaining hands-on experience can balance your education and make you a suitable fit for potential employers.

Choose a career path that matches your hobbies, strengths, and long-term goals. Conduct extensive research, consult with experts in the field, and seek guidance from career counselors at your present or prospective academic institution. Make an educated choice that will help you succeed in your chosen career path.

For more information, you can visit our website.

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Ramalingam

Ramalingam Kalirajan  |9445 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 07, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Money
Sir,Iam 29 now .I bought a policy LIC new Jeevan Anand policy 715-21-21.Is it right decision?I have to pray premium about 5000 every month for 10lakhs.
Ans: You are 29 and paying Rs?5,000 monthly for a life cover of Rs?10?lakh under a LIC Jeevan Anand endowment plan. Let us evaluate this from all angles, and see how it fits into your larger financial picture.

1. What an Endowment Policy Means for You
It combines insurance and investment in a single package.

Premium allocation is split: part for life cover, part for savings.

Returns are modest compared to pure investments.

Charges and commission reduce your effective yield.

Insight: You are paying Rs?5,000 a month purely to get Rs?10?lakh cover and a small maturity benefit after long years.

2. Ideal Use of Life Insurance
Life cover should ideally be pure term insurance.

Term plans offer high cover at low premium.

Investment benefits should come from mutual funds or other high-return assets.

Insight: Pure insurance is better handled separately from wealth creation.

3. What Jeevan?Anand Offers vs Alternatives
Jeevan?Anand Features

Provides life cover + maturity benefit

Lock-in creates discipline

Bonus may add some value at maturity

Drawbacks Compared to Alternatives

Low returns – typically 4–5% net over term

High charges reduce benefits

Poor liquidity – difficult to exit early

Better options: equity mutual funds, PPF, or hybrid funds

4. Comparing Returns and Cost
A Rs?5,000 premium for 15–20 years may give modest benefit

In contrast:

Actively managed equity or hybrid mutual funds often yield 10–12% average returns

PPF offers ~7–8% with compounding and better tax efficiency

Insight: You may be leaving higher wealth gains on the table by staying in endowment plan.

5. Liquidity and Flexibility Considerations
Insurance savings plans are illiquid, with surrender losses early.

Pure investments like mutual funds offer easy access.

If goal ingredients or needs change, mutual funds allow freedom.

Insight: Flexibility matters over your investment horizon.

6. Should You Continue or Surrender?
Evaluating Continuation

If you are okay with low returns and long-term lock-in, you may continue.

But these funds could perform poorly compared to other vehicles.

Evaluating Surrender

Early surrender may involve penalties and partial loss.

However, future premiums can shift to better investments.

You must compare surrender value vs future expected returns elsewhere.

Do this comparison with your CFP for clarity. You need to ask:

What is current surrender value?

What rate of return can the premium earn elsewhere?

Based on honest growth estimates, do you gain more by staying or surrendering?

7. Transitioning to Better Alternatives
If you choose to redirect your premiums, here’s an approach:

Use a term insurance plan for Rs?50–100?lakh cover.

Invest the difference (approx Rs?5,000) into:

Actively managed equity mutual funds – growth over 10+ years

Or PPF if risk is unwanted and you want compounding benefit

Use regular plan (not direct) via an MFD with CFP credential
– Ensures fund review, rebalancing, and guidance
– Avoids trial-and-error and emotional investing

8. Integrating into Your Overall Plan
Here is how your new financial setup could look:

Component Allocation Rationale
Term Insurance Cover Replace LIC’s cover High coverage, low premium
Equity Mutual Fund SIP Rs?5,000 monthly To replace endowment returns
PPF / Debt Funds (optional) Additional safety For tax-friendly stability

If you also have other investment goals, consider allocating more to broader SIPs actively managed.

9. Why Actively Managed Funds Over Index or Direct
Index funds passively follow markets, including weak stocks

Direct (no-advice) plans feel cheaper but lack guidance

Actively managed regular plans include:

Expert-led security selection

Ability to move in/out of sectors based on conditions

Periodic performance review

Support through life changes or investment rebalancing

You benefit from fund handling and review support, especially as goals and market cycles shift.

10. Tax Efficiency and Withdrawal
Equity funds taxed: LTCG above Rs?1.25 lakhs at 12.5%; STCG at 20%.

PPF is tax-free on maturity.

Use appropriate funds for horizons and tax plans.

CFP guidance helps with tax-efficient switching and withdrawals.

11. How This Helps Your Long-Term Goals
Shifting to pure investments can boost corpus over time

Increased returns compound powerfully over 10–15 years

Term insurance ensures your family is protected

You get flexibility without locking up funds

The overall plan fits into a future where savings and protection are clearly separated

12. Next Practical Steps
Check surrender value of existing LIC plan

Compare with projected returns from MF or PPF

If it's better to exit, get help from CFP to reinvest intelligently

Adjust your SIP portfolio over time for goal alignment

Keep reviewing every year with CFP support to stay on track

Final Insights
The LIC endowment policy provides low growth with high lock-in.

A better structure separates risk cover from wealth creation.

Aim for strong returns via actively managed investments with regular reviews.

Term insurance + SIPs in equity/PFFP offers stronger, flexible financial build-up.

Make decisions based on returns, liquidity needs, and future goals.

Your premium can be put to much better use through strategic investments.
Consult your CFP for surrender analysis and structured redirection.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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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