Sir I got 39k rank in comedk.So,sir should I go for comedk colleges or any other college for computer science branch.

Ans: Yash. You have NOT mentioned you belong to which State Board? What was your score in JEE? Anyway, You should first decide you want to target State CET Exam or JEE? Syllabus of both JEE & State Entrances will be more or less same. Check & compare last year's Syllabus of both JEE & your State Entrance Exam. Join any good coaching center and prepare well. Please go through one of my answers here where I have clearly provided the PRACTICAL Strategies / Tips / Steps to be followed for JEE/State Entrance / NEET Examinations.

All the BEST for Your Bright Future.

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Ans: Hi,
go ahead with KIIT. It is ranked above bennett.

Ans: Hi,
please share your category & your jee main percentile too. It will help me in shortlisting the college.

Ans: Hi Deepthi,

Navigating the challenges you're facing, from feeling isolated without support from both sides of the family to dealing with emotionally draining neighbors, is incredibly tough, especially as you care for your 8-month-old infant and work on your own recovery.
Firstly, recognize and embrace the support you have from your husband. He is a vital source of strength in your life. Open and honest communication with him about your feelings and struggles can fortify your partnership and help you both tackle these challenges together. Knowing that you have a supportive partner by your side can make a significant difference in how you cope with these pressures.

When it comes to your neighbors, setting boundaries is crucial. You don’t owe them explanations about why your parents and in-laws are not supportive. Politely but firmly let them know that you prefer not to discuss personal matters and that you are managing your situation in your own way. Protecting your emotional well-being from their intrusive questions is essential for maintaining your peace.

Focusing on your recovery is paramount. Taking care of an infant is incredibly demanding, and prioritizing your health is critical. Make sure you are getting enough rest, eating well, and finding small moments to recharge throughout the day. Engaging in activities that bring you joy and peace, whether it’s a hobby, quiet time with your baby, or connecting with supportive friends, can help in your emotional recovery.

To counteract the feelings of isolation, seek out social support. Look for mother-and-baby groups or community activities where you can meet other parents who might be experiencing similar situations. Building connections with others in similar stages of life can provide mutual support and reduce the sense of being alone in your journey.

Building mental resilience is another key step. Practices like mindfulness or meditation can help you stay grounded and manage stress more effectively. Journaling your thoughts and feelings can provide a therapeutic outlet, and engaging with inspiring books or podcasts can offer new perspectives and encouragement.

Regarding your parents and in-laws, it might be beneficial to distance yourself temporarily. Focus on creating a healthy and nurturing environment for yourself and your baby. If interactions with them are causing you stress, consider setting clear boundaries to protect your peace. Communicate your needs and expectations clearly, emphasizing that your primary concern is the well-being of your immediate family.

If the emotional strain becomes overwhelming, seeking professional help is a valuable option. A counselor or therapist can provide a safe space to explore your feelings and offer strategies to cope with your challenges. Professional support can help you build emotional resilience and give you the tools to manage your situation more effectively.

It’s important to recognize and celebrate small wins in your daily life. Every day brings its own set of challenges, but also moments of success. Whether it’s a peaceful moment with your baby, a positive interaction with your husband, or simply making it through a tough day, acknowledging these victories can boost your morale and remind you of your strength and capability.

You are doing an incredible job under very challenging circumstances. Trust in your ability to raise your child and build a happy life. You are not alone; your husband’s support and your own inner strength are your greatest allies. Focus on what you can control, shield your mental well-being from external negativity, and believe in your capacity to overcome these hurdles. With time, patience, and self-compassion, you will find your way forward.

Ans: First, it’s important to acknowledge and understand your feelings. Feeling down about your current situation and the delayed path to marriage is natural. These emotions are valid, and recognizing them is the first step towards addressing them. It's okay to feel disappointed or anxious, and it’s essential to approach these feelings with compassion for yourself.

Take some time to reflect on your expectations around marriage and intimacy. Often, societal pressures set specific timelines and standards that don’t align with everyone’s unique journey. Consider whether the pressure you're feeling is coming from external sources or your own expectations. Understanding this can help you set more personalized and realistic goals that align with your true desires.

Focusing on personal growth and self-care can be incredibly rewarding during this period. Engaging in activities that bring you joy, building new skills, and nurturing your mental and physical health can boost your confidence and overall well-being. This personal development often attracts new opportunities, including potential relationships, by making you feel more fulfilled and self-assured.

Expanding your social circles is another step that can open up new possibilities. Consider joining clubs, attending social events, or participating in online communities that match your interests. These activities can help you connect with like-minded individuals and build meaningful relationships, which could potentially lead to finding a partner.

Seeking professional support can provide valuable guidance and perspective. Talking to a therapist or counselor can help you navigate your feelings of depression, explore underlying issues, and develop strategies to manage your emotions and expectations. Therapy can also help you build confidence and improve your approach to relationships, making you feel more equipped to handle the dating world.

Reflect on how you’re approaching dating and relationships. If marriage is a priority for you, it’s worth considering how you're searching for a partner. Are you clear about your intentions and what you’re looking for in a relationship? You might find it helpful to adjust your approach, whether it’s trying different dating platforms, being more open to meeting people through friends, or exploring matchmaking services.

It’s also important to be patient and open to different possibilities. Relationships often develop when you least expect them, and being patient with the process can alleviate some of the pressure you're feeling. Trust that your journey to finding a partner is unique and unfolding at its own pace, even if it doesn't follow the timeline you had envisioned.

Embrace your past experiences, including those with your friend. They are part of your personal story and contribute to who you are today. These experiences don’t define your future relationships or your worth. Instead, view them as learning opportunities that have helped shape you and prepare you for future connections.

Remember that your value and happiness are not solely tied to being in a relationship or getting married. Focus on building a fulfilling life for yourself, and be open to the relationships that come along the way. Your path to finding a partner is unique, and it’s important to remain hopeful and proactive in creating the life you desire.

Ans: Deciding whether to focus on a relationship or your career, especially with the responsibility of caring for a mentally disabled brother, is a deeply personal and complex decision. Both paths offer valuable opportunities and come with their own sets of challenges.

Caring for your brother is a significant commitment, and it’s natural to feel torn between supporting your family and pursuing your own goals. However, it’s important to remember that you can find a balance. A fulfilling career can provide financial stability and personal growth, which can also benefit your family in the long run. Building a solid professional foundation at 26 can open many doors for your future and give you the resources and confidence to support your brother better.

On the other hand, relationships are a significant part of life. If you find a partner who understands your responsibilities and is supportive of your family situation, it can greatly enhance your life. The right person will respect your commitments and be willing to share in the journey. A healthy relationship can provide emotional support and partnership as you navigate life’s challenges.

It’s also worth considering that you don’t necessarily have to choose one over the other. Many people successfully manage both a career and a relationship by setting clear priorities and finding supportive partners. Think about your immediate and long-term goals and how each path aligns with your values and vision for the future. Reflect on whether you can integrate both aspects into your life with the right planning and support.

You don’t have to make this decision alone. Talking to trusted friends, family members, or a counselor can provide valuable perspectives. They can help you explore your feelings and options, making the decision-making process less overwhelming.

Ultimately, the right choice is the one that feels true to you and aligns with your deepest values and aspirations. It’s crucial to give yourself permission to prioritize your own happiness and well-being, alongside your responsibilities. Whether you choose to focus on your career, pursue a relationship, or find a balance between the two, what matters most is that you make a choice that feels right for you.

Ans: To manage weight gain from stress, try stress-reducing activities like mindfulness, deep breathing, or yoga. Regular physical activity, even in small amounts, can be beneficial. Improve your sleep by establishing a calming bedtime routine and eating balanced, nutritious meals. Sharing your challenges with your partner can strengthen your bond and help you tackle stress together.

By addressing the root causes of stress and adopting a balanced approach, you can manage your weight more effectively and improve your overall well-being.

Ans: It's great that you're planning your investments and aiming for a substantial goal. As an NRI, you have specific considerations and opportunities when investing in shares and mutual funds. Let’s delve into a comprehensive strategy that can help you achieve your target of Rs 2 crores in the next five years.

Understanding Your Goal
Target and Timeline
You want to accumulate Rs 2 crores in the next five years. This is a clear and ambitious goal, requiring a focused and strategic approach. Given the relatively short timeline, your investments need to generate significant returns.

Risk Appetite
Since you're aiming for high returns in a short period, you'll need to be comfortable with taking on higher risk. High-risk investments typically offer higher returns, which will be necessary to meet your goal.

Investment Strategy: Shares and Mutual Funds
Equity Mutual Funds
Equity mutual funds are a suitable choice for high returns. They invest primarily in stocks, which have the potential to generate substantial returns over time. Given your timeline and goal, focus on the following types of equity mutual funds:

Large-Cap Funds: These funds invest in large, established companies. They offer stability and moderate growth potential.

Mid-Cap and Small-Cap Funds: These funds invest in smaller companies with high growth potential. They are riskier but can offer higher returns.

Flexi-Cap Funds: These funds provide flexibility to invest across market capitalizations, offering a balanced approach to growth and risk management.

Actively Managed Funds vs. Index Funds
Avoid index funds, as they simply track market indices and offer average market returns. Actively managed funds, on the other hand, are managed by professional fund managers who aim to outperform the market. They can provide better returns, especially in a high-growth strategy.

Systematic Investment Plan (SIP)
A SIP allows you to invest a fixed amount regularly in mutual funds. It is a disciplined approach, helping you average the cost of investment and reduce the impact of market volatility. Here’s how you can approach SIPs:

Monthly SIP Amount: Calculate the monthly SIP needed to achieve Rs 2 crores in five years. A Certified Financial Planner (CFP) can help with detailed calculations based on expected returns.

Diversification: Invest in a mix of large-cap, mid-cap, and small-cap funds to balance risk and maximize returns.

Investing in Shares
Direct Equity Investments
Investing directly in shares can offer higher returns but comes with higher risk and requires more active management. Consider the following:

Stock Selection: Choose stocks of fundamentally strong companies with good growth prospects. Diversify across sectors to spread risk.

Regular Monitoring: Regularly monitor your portfolio and stay updated with market trends and company performance.

Benefits of Mutual Funds Over Direct Investments
Professional Management: Mutual funds are managed by professional fund managers, which can be beneficial if you don’t have the time or expertise to manage your investments actively.

Diversification: Mutual funds offer diversification, reducing the risk associated with investing in individual stocks.

Systematic Withdrawal Plan (SWP)
What is SWP?
A Systematic Withdrawal Plan allows you to withdraw a fixed amount from your investments regularly. This can provide a steady income stream while keeping the remaining corpus invested.

Is SWP Advisable?
Given your goal of accumulating Rs 2 crores in five years, focus on growing your corpus first. SWP is more suitable for generating regular income post-retirement or once you’ve achieved your investment goal. For now, reinvest dividends and capital gains to maximize growth.

Power of Compounding
Compounding: The Key to Growth
Compounding allows your returns to generate their own returns, exponentially growing your investment over time. The earlier and more consistently you invest, the more powerful compounding becomes.

Staying Invested
To fully benefit from compounding, stay invested for the long term. Avoid withdrawing funds prematurely to let your investments grow.

Tax Efficiency and Planning
Tax Implications for NRIs
NRIs have specific tax implications when investing in India. Long-term capital gains (LTCG) and short-term capital gains (STCG) from mutual funds and shares are subject to tax. Consult with a tax advisor to understand and plan for these implications.

Choosing Tax-Efficient Funds
Invest in tax-efficient funds like Equity-Linked Savings Schemes (ELSS), which offer tax benefits under Section 80C. This can reduce your taxable income and enhance overall returns.

Regular Monitoring and Rebalancing
Portfolio Reviews
Regularly review your portfolio to ensure it aligns with your goal. Market conditions change, and so do investment performance and opportunities. A Certified Financial Planner (CFP) can help you assess and adjust your portfolio as needed.

Rebalancing
Rebalance your portfolio periodically to maintain the desired asset allocation. This involves selling some investments that have performed well and buying those that haven’t, keeping your portfolio balanced.

Emergency Fund and Liquidity
Maintaining an Emergency Fund
An emergency fund is essential to cover unforeseen expenses without disrupting your investment strategy. Aim to have 6-12 months’ worth of expenses in a liquid and safe instrument, like a savings account or liquid mutual fund.

Ensuring Liquidity
Ensure that part of your investments is in liquid assets. This will allow you to withdraw money without penalties or losses when needed.

Risk Management and Insurance
Adequate Insurance Coverage
Having adequate insurance coverage is crucial to protect your corpus. Health insurance and term life insurance will safeguard you and your family from financial shocks.

Minimizing Unnecessary Risks
Avoid high-risk, speculative investments that promise quick returns. Stick to a well-thought-out strategy focused on long-term growth and stability.

Final Insights
Your goal of Rs 2 crores in five years is achievable with a disciplined and strategic approach. Invest in a diversified portfolio of equity mutual funds, focusing on large-cap, mid-cap, and small-cap funds. Avoid index funds and opt for actively managed funds for higher returns.

Utilize SIPs to invest regularly and benefit from rupee cost averaging. While direct equity investments can offer high returns, mutual funds provide professional management and diversification, which are crucial for your goal.

Stay invested to leverage the power of compounding and regularly review and rebalance your portfolio. Consider tax-efficient funds and consult with a Certified Financial Planner (CFP) for personalized advice and detailed calculations.

Focus on growth for now and consider SWP only once you’ve achieved your investment goal. Maintaining an emergency fund and adequate insurance coverage will ensure financial stability.

You’re on the right track, and with careful planning and disciplined investing, you can achieve your goal of Rs 2 crores in five years.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Ans: At 35 years old and earning Rs. 20,000 per month, you have a SIP of Rs. 1,000. Your goal is to accumulate Rs. 1 crore by age 60. This is a long-term goal requiring a strategic and disciplined approach. Your commitment to investing despite a modest income is commendable. Let's work on a plan to achieve your financial goal.

Importance of Early and Regular Investments
Starting early and investing regularly is crucial for building wealth over time. You have 25 years until you turn 60, which gives you a significant advantage. The power of compounding can greatly enhance your returns, especially over a long investment horizon.

Compounding: The Eighth Wonder of the World
Compounding allows your investment returns to generate additional returns. Over time, this leads to exponential growth. The earlier you start and the more consistently you invest, the greater the benefits of compounding.

Evaluating Your Current Investment Strategy
Your current SIP of Rs. 1,000 is a good start. However, to reach Rs. 1 crore, you need to increase your investment amount over time. Let's explore how to optimize your savings and investment strategy to achieve your goal.

Boosting Your Investment Capacity
Increasing Income
Look for opportunities to increase your income. This could be through skill enhancement, taking on additional part-time work, or seeking promotions and salary increments. Increasing your income will provide more funds for investment.

Reducing Expenses
Analyze your monthly expenses and identify areas where you can cut costs. Even small savings can significantly boost your investment capacity over time. Creating a budget can help you track and manage your expenses effectively.

Gradual Increase in SIP
Aim to gradually increase your SIP amount as your income grows. Even a small increase in your monthly SIP can have a significant impact over the long term. For instance, increasing your SIP by Rs. 500 annually can greatly enhance your corpus by the time you reach 60.

Strategic Allocation of Investments
To achieve your financial goal, it's crucial to allocate your investments wisely. Diversification across various mutual fund categories can help manage risk and optimize returns.

Equity Mutual Funds
Equity mutual funds should form the core of your investment portfolio due to their high return potential. Within equity funds, diversification is essential.

Large-Cap Funds: These funds invest in large, well-established companies. They offer stability and moderate returns.
Mid-Cap Funds: These funds invest in mid-sized companies with higher growth potential. They are riskier but can provide higher returns.
Small-Cap Funds: These funds invest in smaller companies with the highest growth potential and risk.
Debt Mutual Funds
Debt funds provide stability and reduce overall portfolio risk. They are suitable for medium-term goals and act as a cushion against market volatility.

Short-Term Debt Funds: Less affected by interest rate changes, providing steady returns.
Long-Term Debt Funds: Offer higher returns with some interest rate risk.
Hybrid Mutual Funds
Hybrid funds invest in a mix of equity and debt. They offer a balanced approach, providing growth potential and stability.

Aggressive Hybrid Funds: Primarily invest in equity but have a significant debt component for stability.
Conservative Hybrid Funds: Higher debt component, offering more stability and moderate growth.
Advantages of Mutual Funds
Professional Management
Mutual funds are managed by professional fund managers who make informed decisions based on extensive research and market analysis. Their expertise can enhance your investment returns.

Diversification
Mutual funds offer diversification, spreading your investment across various assets. This reduces risk as poor performance in one asset is balanced by better performance in another.

Liquidity
Mutual funds are highly liquid. You can buy and sell mutual fund units on any business day, providing flexibility to access your money when needed.

Power of Compounding
Mutual funds benefit from the power of compounding. Reinvesting your returns allows your investment to grow exponentially over time.

Assessing Risks and Mitigating Them
Market Risk
Equity funds are subject to market risk. The value of your investment can fluctuate with market conditions. However, long-term investment in equity funds usually mitigates this risk.

Interest Rate Risk
Debt funds are affected by changes in interest rates. Rising interest rates can reduce the value of existing bonds in a debt fund's portfolio. Short-term debt funds are less affected by this risk.

Credit Risk
Debt funds also face credit risk, the risk of default by issuers of the bonds they hold. Investing in high-quality debt funds can reduce this risk.

Disadvantages of Index Funds
While index funds track a specific index and offer low costs, they cannot outperform the market. Actively managed funds aim to beat the market through strategic investments. Fund managers of actively managed funds use their expertise to select high-potential stocks, offering better returns.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) has advantages over direct investments. CFPs provide personalized advice based on your financial goals, risk tolerance, and investment horizon. They help you select the right mutual funds, monitor your investments, and make adjustments as needed. Their expertise ensures your investments are aligned with your financial goals.


Your commitment to investing despite a modest income is admirable. It reflects a strong sense of financial responsibility and foresight. Your dedication to building a secure financial future is inspiring and deserves appreciation.


Balancing financial commitments while planning for future goals is challenging. Your efforts to secure a strong financial foundation for yourself and your loved ones reflect a deep sense of responsibility. It's clear you care about achieving financial independence and stability.

Final Insights
Reaching Rs. 1 crore by age 60 is achievable with disciplined investing and strategic planning. Focus on increasing your income, reducing expenses, and gradually increasing your SIP amount. Diversify your investments across equity, debt, and hybrid mutual funds to balance risk and return.

Your proactive approach to financial planning sets a strong example. With careful management and the right investments, you can achieve significant financial growth and security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in