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Rohit

Rohit Gupta  |57 Answers  |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.
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Sushil

Sushil Sukhwani  |582 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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Mayank Chandel  |1994 Answers  |Ask -

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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

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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