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Failed NIMCET with 1000+ Rank, Feeling Lost - Should I Learn Technical Skills Alongside Retrial?

Radheshyam

Radheshyam Zanwar  |6649 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Oct 18, 2024

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Asked by Anonymous - Oct 17, 2024Hindi
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Career

I got 1000+ rank in nimcet this year but i didn't get any nit..so I decided to take drop and again preparing for it.. but couldn't focus as I have given my 100% this year but still couldn't clear should I learn technical skills parallely because if I prepare solely for nimcet I'm going to burn out... and get frustrated

Ans: Hello.
Sad to hear about the frustration that developed in you. But you are not the alone among lacs of students who are not admitted to NIT's/IIT's or some reputed institutions even after giving 100%. Every student, who is appearing for the exam will do the same thing and give his 100%. Yet few of them only get admission. The rest of them either try to repeat or choose another path. There is nothing wrong with taking a drop. If you check the history, many repeaters have succeeded in cracking the examination and come out of frustration.
Keep faith in yourself, your studies, and your burning desire to crack the examination.
Please keep other aspects i.e. learning technical skills parallelly away for few months, till your exam is over. Engaging yourself in parallel skills will again create frustration in your mind. First, you take admission to a demanding course in a reputed college and then shape your career how you want.
As you have well prepared for the 1st attempt, you know your drawbacks where you went wrong, and what missed, It is my confidence that you will crack the examination this year by overcoming the drawbacks.
Best of luck to your upcoming bright future which is just a few months away! Wakeup and start with new hopes!

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Thanks.

Radheshyam
Asked on - Oct 18, 2024 | Answered on Oct 19, 2024
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All my friends went to their dream colleges, but I made a mistake by not being able to handle the pressure for those 2 hours. And I couldn't deliver what I knew. It demotivates me every time... I don't know how to handle it... I'm wasting a lot of time in this situation. There are just 8 months left, and I have not started preparing as I prepared earlier with my 100% day and night... sometimes I feel like I'm done. But I'm committed to myself. I have to get into my dream college.i don't know how to heal ????????
Ans: Welcome back.
Please cool down. As I said earlier, you are not alone among many students who failed to get their dream college in 1st attempt. Those who have a burning desire, again start from ZERO and get what they want! Keep faith in yourself, forget the past, and look for a bright future. Thinking for the whole day, will not have any outcome. It is better to think that due to some medical situation, you won't be able to appear for the examination. Now you recovered from the situation and will crack the upcoming examination with a high score. Don't think much about your past friends. You will make new friends in your dream college. Friends change from year to year! Don't waste your precious time. Yet a big span of 8 months is in your hand. One can do anything whatever he wishes in 8 months. You said one thing, "I'm committed to myself" This sentence reflects your high willpower to get admission to your dream college.
Wake up... Start.... and Finish!

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam
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Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 23, 2025Hindi
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My monthly income is 1.4 lakh post taxes and expenses around 30k I have MF invested at around 3.5 lacs (started investing last year). I don’t have a personal flat, house or plot but my Dad has a home loan of around 20 lacs pending which I plan to close with my savings of 1 lac per month, in around 2 years. Only after that will I start investing into my own future. I do occasionally invest around 10-15 k in mutual funds from my 30k expense. Am I thinking and planning in the right direction or is there a better route for me to follow that can help me clear my Dads loan as a gift to him and get a corpus of around 1cr at a near future.
Ans: Hi,

Amazing that you are thinking of clearing your dad's loan as a gift. But paying everything you have each month is not a wise choice.

Another best possible alternative for you would be:
- Pay 50,000 per month towards your dad's debt. Closing it will take 2 more years, but that's okay. As saving for future for yourself and family is equally important.
- Invest remaining 50,000 per month in equity mutual funds. In 5 years, you will have 42 lakhs with this investment. And when you cleear the loan, redirect entire 1 lakhs to these funds. You will get 1 crore in another 2 years.
- If you increase the investment by 10% each year, you can reach 1 crore earlier.
- There is no point in prepaying loan by 1 lakh each month. Take time and prepay it slowly.

In the end, make sure to have your emergency fund in place. Also have ample health and term insurance for yourself and family.

If you want to know the best funds to invest in, take an advisor's help. Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

Asked by Anonymous - Sep 26, 2025Hindi
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Dear financial guru. I am 46 now have a small buisness which I started with 2lac loan soon after my graduation , have 2 sons age 17 and 13 my wife is 40 year she is housewife. From the first day i started savings 1. Now have a corpus of 1cr in FD in bank with monthly intrest withdrawl of 60000 per month on 7% approx This is my retirement corpus 2. Have 1 flat of around 75 lac value which i have given on rent fetching me 20000 per month rent monthly. 3 . Have a investment in 2 plots with current value of around 4 cr and 80 lac 5 living in my ancestral home so I assume it with zero value of selling. 4. PPF ac having saving of around 25 lac matured I have extended it to another 5 years 5. Lic policy of around total 30 lac maturing in around 5 years. 6. Soviener gold bond of todays value for around 12 lac 6. Buisness income around 60000-90000 per month now as now my buissnesd is down due to recession. 7. No loans to repay . No monthly emi to pay. 8. I have taken family health insurance of 25 lac which I will increase to 50 lac in wen I am 50 years. So my current income is Fd intrest 60000 Rent 20000 Buisness income 60000-90000 Total 140000 -180000 Current monthly expenses including school fees 110000 Monthly saving after expense 50000 approx Now my aim 1. Need for my sons education , as my eldor son is 17years good in studies from next year I will be needing around1 lac to 1.50 lac monthly for 4 years as he will be doing btech from good collage maybe in india or abroad. 2 . Plans are approx same for younger son cuurently in 7th will be needing same amount after 4 years for further 5 years for his studies. So need 1-2 lac monthly from next year for around 8-10 years for studies of my both son. After that I will retire and need approx same amount for my entire life. Don’t like invest in share and mutual funds always want safe investment like fd. Pls guide me , I am thinking of selling one plot of 80 lac to manage funds for both sons education exp which I need for 8 -10 years. Second plot I plan to sell wen it’s value come to around 5-6 cr in another 3-4 years from now and will buy another commercial property which will fetching me rental of around 2.5 lac monthly if I rent it to a bank .or will put entire amount in fd with monthly pay out of around 7-8%. Pls guide me if am on right track because have limited knowledge .
Ans: Hi,

You have done so good by building huge assets with your business that you started. It is a genuine worry around kid's education as its cost is rising a lot.
Taking your queries one by one.

1. Your foremost worry of not investing in stocks and mutual funds is very genuine. These come out to be risky. But for people who do not want to take any risk, there are funds as good as FD such as Balanced Funds or Hybrid Funds. As even a FD has risk - if a bank fails, your entire money would be gone in a blink of an eye and you will get only 5 lakhs by government.
So investing in mutual funds is a better option as these funds invest in a pool of stocks. Even if 1 stock fail, your 99% of the money is safe. So you can consider investing in these. Can consult an advisor for the same or reach out to me.

2. Selling one plot for kid's education - good decision. It will cover all cost for both kids and remaining amount (if any) will be for your future.

3. You can shift 70% of FD amount in hybrid mutual funds & start SWP. It comes with comparative tax benefits and better return.

4. PPF is good for you to hold for another 5 years. Continue it.

5. Choosing hybrid funds over FD will gurantee more return and security than any bank's FD.

Rest all is good. You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika

Reetika Sharma  |244 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Oct 08, 2025

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Hi sir My age was 35years old, my husband government employee, he was 39 years old, iam freshly start investing in mutual funds Paragh flexi cap fund 6000 monthly sip Nippon india small cap fund 7200 Quant small cap fund 2000 Motilal oswal mid cap 5700 Edlewiss mid cap fund 1000 Motilal oswal nifty microcap 250 index fund 5700 Icici Prudential health care fund 1000 Sbi technology opportunities fund 1000 Sbi infrastructure fund 1000 Sbi energy opportunities fund 1000 Edlewiss us technology fund 1000 Total monthly sip 32600 of monthly rental income This portfolio for long term 20 years, how much returns expected,iam interested to aggressive behaviour.. kindly suggest how much returns expected and first 50 lakh when reaches??
Ans: Hi,

Good to know that you are serious about investing. And you are investing a very good amount for long term.
I understand your risk appetite and time horizon, but the funds you mentioned are not aligned with them.
These funds have overlapping stocks and will not fetch much for you in long run.

As your monthly SIP amount is big, it is better to talk to an advisor to invest. I will not recommend you to continue your SIPs in these funds.

If done your investments correctly, you can reach your first 50 lakhs in 7.5 years. But with current portfolio, it will take 8.5 to 9 years.

A self made portfolio is good, but when the amount is big, it is always better to consult a professional.

Hence, a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Ramalingam

Ramalingam Kalirajan  |10744 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 08, 2025

Money
Is, it a good idea to buy 18k, 22k or 24k 1g and more gold coin via online rather offline. Digital gold give profits or not and what about starting investing in stock market as a beginner and what things to keep in mind?
Ans: You are thinking wisely about gold and stock investing together. This balanced approach shows financial awareness.

» Buying Physical Gold Coins

Buying online or offline both work. But check purity, hallmark, and making charges.
– 24k gold is purest for investment.
– 22k and 18k are better for jewellery, not investment.
Online platforms may add delivery or premium charges. Always buy from trusted and verified sellers.

» About Digital Gold

Digital gold is easy to buy and sell, but not SEBI regulated. So, it carries counterparty risk. If the company closes, recovery may be hard. Hence, it’s not safe for long-term holding.

» Gold Mutual Funds

Instead of physical or digital gold, gold mutual funds are safer.
– They are regulated by SEBI.
– They track gold prices closely.
– No need to store or insure gold.
– You can start with small SIP amounts.
They give better liquidity and transparency than coins or digital gold.

» Starting in Stock Market

As a beginner, start small and learn slowly. Don’t rush or follow tips blindly.
Invest through mutual funds managed by expert fund managers.
Actively managed mutual funds perform better than index funds in India because fund managers adapt to market conditions.
Focus on long-term wealth, not short-term trading.

» Key Things to Remember

– Always invest through your goal plan.
– Keep 6 months emergency fund.
– Avoid loans for investing.
– Stay disciplined with SIPs.
– Review your portfolio yearly with a Certified Financial Planner.

» Finally

Gold mutual funds can diversify your portfolio better than physical gold.
Start your stock journey step-by-step with guidance and patience.
Both can grow wealth steadily when planned right.

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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