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Electronics & Communication vs. Software Engineering: Which Offers More Opportunities?

Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Feb 13, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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vinod Question by vinod on Feb 12, 2025Hindi
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Career

Sir with due respect, I would like to ask about my son’s education and career. right now he is writing his 12th board exams (PCMC in Mangalore) and he will write Karnataka State entrance exams also KCET. Please advise for his future which courses / degrees will be helpful to have a secured career. He is confused whether he should take Electronic and Communication or got for Software engineer with BE. Please advise in which the opportunities are more in his education line. Many thanks in advance. Vinod Kumar

Ans: Vinod Sir, both CSE and ECE are excellent choices. Even if he opts for ECE and later develops an interest in software, he can pursue relevant certifications to prepare for campus placements. Many software companies also hire ECE and students from other branches, so there’s no need to worry. The college and branch he gets into will ultimately depend on his KCET rank. All the Best for your Son's Prosperous Future. Follow RediffGURUS to Know More on 'Careers | Health | Money | Relationship'.
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Nayagam P

Nayagam P P  |4329 Answers  |Ask -

Career Counsellor - Answered on Jun 25, 2024

Asked by Anonymous - Jun 25, 2024Hindi
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Career
My son is in class 11th. He scored 84.6% in his cbse class 10th exams. He scored 99/100 in maths and 74/100 in science. He has chosen PCM with English and physical education. He is interested in computers and wants to become software engineer.what other possible career options will be good for him? He is introvert and takes time to mix with people . Please suggest the roadmap and best coaching options also. Will it be ok to join the online coaching classes for JEE in this year ? Or after completing 12th class, should he take a drop for coaching?
Ans: Please note, (1) Taking a drop after 12th is not advisable. (2) As he is good in Maths, it is better to join at least Online JEE Classes (Allen or AhaGuru) if you are not able to afford for offline regular classes (3) He has to further improve in his Science (4) As he is introvert and interested in Computers / Software, Computer Science would be more suitable for him (5) However, to get admission into any reputed college (anywhere in India), he should score a decent Percentile / Rank in Competitive Exams. (6) Please prepare him for other competitive exams also such as your State Engineering Entrance Exams, COMEDK, SRMJEE, VITEEE, & also other Private Engineering Colleges' Entrance Exams (7) He should appear minimum 5-7 Entrance Exams to have more options open to choose the best one for him. (8) Please go through one of my answers to know about the practical preparation strategies for Entrance Exams. All the BEST for your Son's Bright Future.

Vikas Sir, Prefer VIT-AP, followed by KIIT. As suggested always, your daughter should keep upgrading her skills from 1st year itself till last year (campus recruitment) through NPTEL, Internshala, Coursera, LinkedIn etc. and / or any other online platforms for the same, recommended by her college faculties. All the BEST for your Daughter's Bright Future Sir.

To know more on 'Education | Jobs | Careers' please ask / follow me in RediffGURU here.

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Ramalingam

Ramalingam Kalirajan  |8103 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 15, 2025

Asked by Anonymous - Mar 15, 2025Hindi
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Money
I AM THINKING OF TAKING A LOAN OF 5,00,000 AGAINST MY CURRENT MUTUAL FUND MOTILAL OSWAL SMALL CAP FUND AND REINVEST IT IN SAME FUND FOR NEXT 3 YEARS. I DON'T WANT LIQUIDITY FOR NEXT 3-4 YEARS. SEEING THE MARKET IS LOW RIGHT NOW CAN I EXPECT A REURN? SHOULD I CONSIDER THIS OPTION?
Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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