How can I crack JEE Main and Advanced 2026 for PCM?

Ans: NO

Ans: cant say

Ans: if you are a short term trader then exit, but if its for a long term holding then why worry, the quality is present in the company.

Ans: stay away from paint industry, huge competition

Ans: Hi Jahanvi.
Your query was already been replied. by rediffGuru Nayagam P P. Please copy and paste the following link in your browser to read the reply: https://gurus.rediff.com/question/qdtl/career/absent-class-12th-boards-practical-2023-24-due-medical-illness/5190633#:~:text=You%20will%20be%20qualify%20for,for%20a%20legitimate%20medical%20reason.

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Ans: Hello dear.
If your daughter is an average student then first think about the CSE course. The challenges in the CSE course are very high. If a student is weak in mathematical calculations then he has to face a lot of problems in writing programs. But anyway, if you have decided on CSE it is better to choose the best college in India only. If you can afford then CSE and be completed from abroad also. Dubai will be one of the best destinations for CSE. Try to consult physically with the agency that is providing information related to education in abroad.

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Ans: Hello Arvind.
You did not mention the category to which you belong. There are specified norms for government jobs related to age criteria and the cast category. Yet you can try for a Job and appear in the related examinations. Best of luck for your future.

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Ans: Your financial position is stable and diversified. Your key strengths include:

Loan-free real estate assets providing future rental income.
Significant investments in mutual funds, stocks, fixed deposits, and provident funds.
Sufficient monthly income with manageable expenses, creating a healthy savings rate.
Defined goals: funding your child’s MBA, supporting your child’s marriage, and planning for retirement.
This structured financial approach ensures a strong foundation. However, aligning your strategy with future requirements is essential.

 

Key Financial Goals and Priorities
1. Child’s MBA Abroad (Planned in Two Years)

International MBA programs are expensive, typically Rs. 60-80 lakhs.
Begin estimating the total cost (tuition, living, travel).
Use low-risk investments for a secure, two-year time horizon.
Withdraw from your mutual fund portfolio gradually. Prioritise debt-oriented funds to minimise volatility.
Start accumulating funds in fixed deposits or short-term debt funds for liquidity.
 

2. Marriage Expenses for Second Child (Q1 2027)

Indian weddings typically cost Rs. 30-50 lakhs or more.
Allocate investments now to build this corpus over three years.
Continue contributing to your mutual funds for this goal. Opt for balanced or multi-asset funds.
Withdraw closer to the event and reinvest temporarily in safe, liquid instruments.
 

3. Retirement in Two Years

Your monthly expenses post-retirement will increase after accounting for inflation.
Use your current monthly expense of Rs. 70,000 as a base. Add health and travel costs post-retirement.
Future rental income of Rs. 25,000 will cover part of these expenses.
Diversify your corpus for growth and stability:
Allocate Rs. 80-100 lakhs to equity mutual funds for long-term growth.
Park Rs. 70-80 lakhs in hybrid or balanced funds for moderate growth.
Keep Rs. 40-50 lakhs in debt funds or FDs for emergencies.
 

Action Plan for Investments
1. Mutual Funds (Rs. 2 Crore)

Your mutual fund portfolio is robust and forms a critical part of your retirement corpus.
Conduct a detailed review of the fund performance. Ensure a mix of large-cap, mid-cap, and balanced funds.
Shift funds required for MBA expenses to debt or liquid funds gradually.
Retain the remaining for long-term growth aligned with retirement.
 

2. Stocks (Rs. 35 Lakhs)

Stock investments are riskier and more volatile.
Review your holdings for quality, diversification, and potential.
Avoid using these funds for immediate goals. Consider converting a part into mutual funds or FDs for stability.
 

3. Fixed Deposits (Rs. 20 Lakhs)

These offer safety and liquidity. Retain them for emergencies or planned short-term expenses.
 

4. PF/PPF (Rs. 60 Lakhs)

This is a low-risk, tax-efficient investment.
Continue contributing to PPF until maturity. Use this for long-term retirement needs.
 

Tax Planning
1. Capital Gains from Mutual Funds

Selling equity funds for MBA or marriage expenses may trigger capital gains taxes.
Long-term gains above Rs. 1.25 lakhs are taxed at 12.5%.
Short-term gains are taxed at 20%.
Plan withdrawals strategically to minimise tax liabilities.
 

2. Rental Income (Rs. 25,000 from May 2025)

Rental income is taxable under the income tax slab. Deduct applicable expenses like maintenance to reduce tax outgo.
 

3. Interest from FDs and Other Income

Interest income is added to your taxable income. Use tax-saving options like senior citizen benefits post-retirement.
 

Risk Management and Emergency Planning
Increase your health insurance coverage, considering rising healthcare costs.
Have a separate emergency corpus covering 12-18 months of expenses.
Consider a term insurance policy if dependents require financial support in your absence.
 

Children’s Goals
1. For MBA Funding

Guide your child to explore scholarships, part-time work, or education loans. These can reduce the burden on your investments.
Keep a contingency buffer to handle currency fluctuations and unforeseen costs.
 

2. For Marriage Expenses

Discuss expectations with your child. Avoid overburdening your financial resources.
Use milestones (like fund maturity) to align withdrawals with the wedding date.
 

Post-Retirement Lifestyle
Decide on your post-retirement priorities: travel, hobbies, or supporting your children.
Factor inflation into your expense estimates. At 5%, Rs. 70,000 today may become Rs. 90,000 in five years.
Avoid high-risk investments post-retirement. Prioritise capital preservation over aggressive growth.
 

Finally
Your financial stability allows you to meet your goals confidently. By aligning your investments with specific objectives, you can balance your responsibilities and retirement aspirations. Regular monitoring and adjustments will keep you on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: I think BCA has better scope