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Father Asks: Amrita Bangalore (AID) vs. VIT Vellore (AIML) for My Son?

Nayagam P P |3908 Answers |Ask -Follow

Career Counsellor - Answered on Jul 11, 2024

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Question by Nishokkhumar on Jul 10, 2024Hindi

Career

Sir My son got admission in Amrita Bangalore - AID and VIT vellore - AIML. Please suggest us which college to join.

Ans: Nishok Sir, prefer Amrita-B-AID. All the BEST for Your Son's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

You may like to see similar questions and answers below

Nayagam P P |3908 Answers |Ask -Follow

Career Counsellor - Answered on Jun 12, 2024

Question by Narasa - Jun 09, 2024Hindi

Career

Hi Sir, My son got 1490 rank in COMEDK, 2045 in KCET, 2165 in Manipal entrance, 254 marks BITSAT, 44K in JEE mains. Home state is Karnataka General category. Pls suggest the best college for my son.

Ans: Compared to COMEDK, competition for getting admission through KCET is more for top colleges in Bengaluru. Prefer COMEDK Admission for RVCE, BMS, MS Ramaiah, BIT etc. (more options for 1490 Rank). But the only difference between COMEDK & KCET admission is, fees will be more through COMEDK, compared to KCET which you please keep in mind. All The BEST for your Son’s Bright Future.

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Nayagam P P |3908 Answers |Ask -Follow

Career Counsellor - Answered on Jul 27, 2024

Asked by Anonymous - Jul 14, 2024Hindi

Career

My son has got admission in iit madras zanzibar bs in ds and ai and vit chennai cs ai & ml. Please advise which college to choose

Ans: Prefer VIT-CS-AIML. All the BEST for Your Son's Bright Future.

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Latest Questions

Milind Vadjikar |637 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Krishna - Nov 11, 2024Hindi

Money

sir, I wish to start SIP of Rs 5000 each in one small cap , one midcap , one flexi cap and one multi cap funds.Please suggest me the funds where I can invest. I am planning to invest fir a period of ten years.

Ans: Hello;

You may consider following funds:

SBI Small cap fund
Kotak Emerging equities fund
PPFAS flexicap fund
Nippon India Multicap Fund

These funds are recommended based on relatively steady returns over 10 year horizon.

Happy Investing;

Milind Vadjikar |637 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 10, 2024Hindi

Money

Hi Nitin, I am 40, no saving, no investments. Was out of job in '22 restarted contractual work in '24. During this period of 2 years. I borrowed money from people (friends/ family) & credit card. Missed multiple EMI's. Cibil score has gone for a toss. Out of monthly income of 40,000 i have monthly due of 30,000 to clear each month. Please guide how i can turn around the situation.

Ans: Hello;

Only way you can turnaround the situation is by diligently repaying overdue loans.

Once loans are over start a monthly sip of 20 K. This can grow into a corpus of around 50 L in 10 years and around 1 Cr in 15 years. (12% return from equity funds assumed).

Best wishes;

Milind Vadjikar |637 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Kaushik - Nov 11, 2024Hindi

Money

Hello, I am 49 years old and seeking an early retirement. My total corpus at the current state is approx 8 Cr as per the following breakup. 1. Equity - 4.4 CR 2. FD - 1.05 CR 3. Gold - 1 CR 4. 2 nos Property - current valuation - 1.6 CR My curent monthly expenses is approx 1.5 lacs. I have done an medical insurance and I have zero debt. Is this situation is favourable for me to retire in next 1 year with considering life expentensy around 85 years. I am still unvesting 1 lac per month is equities. Thanks

Ans: Hello;

Kudos for a judicious blend of asset allocation.

I have assumed one property occupied by you (80 L) while the other property is let out(80 L) and considering 3% rental yield may provide you a monthly income of 20 K.

You may buy immediate annuity for a sum of 1.45 Cr which may provide you a monthly income of around 65 K (post-tax). (6% annuity rate considered)

For the balance 5 Cr corpus you may do an SWP in a low to moderate risk equity savings fund like ICICI Pru equity savings fund. A 3% SWP will get you a monthly income of 1.12 L (post-tax).

So your total post-tax monthly income in retirement would be 1.12+0.2+0.65= 1.97 L.

A modest return of 8% on SWP fund will be good enough to provide inflation adjusted income every year till the age of 85.

Avoid direct equity and pure equity mutual fund exposure in retirement. Invest through hybrid mutual funds, with low allocation to equity.

Happy Investing;

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Asked by Anonymous - Nov 11, 2024Hindi

Career

Hi Experts, Should i take md/diploma in non clinical branch or drop for another year, this will be my fifth attempt. My current rank in neet pg is 87k.

Ans: Hi,If you have the opportunity to pursue an MD in Pharmacology, I highly recommend that you do so without hesitation. There are numerous opportunities for pharmacologists in the pharmaceutical industry. These companies are required to conduct clinical studies before marketing their drugs, making a background in pharmacology highly valuable. Therefore, pursuing an MD in Pharmacology can be a great decision for your career.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Ayesha - Nov 09, 2024Hindi

Career

I completed my mbbs from Kyrgyzstan but i am not eligible to give exam in pakistan for licence what can i do now plz suggest

Ans: Hi Ayesha,

I have a few questions for you:

1. Are you a citizen of India?
2. Is the exam you mentioned the licensure exam? If so:
- Why do you want to take it in Pakistan?
- Why did you not complete the licensure exam in India?
- Are you planning to settle in Pakistan?

If the answer to the first question is yes, then taking the licensure exam in Pakistan raises some concerns. I suggest it would be better for you to complete your FMGE in India and then move to Pakistan.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Manojkumar - Nov 15, 2024Hindi

Career

Kindly explain the process of getting MBBS admission in UK.MY DAUGHTER IS STUDING IN +2 PLZ EXPLAIN THE FEES STRUCTURE ALSO..

Ans: Hi Manoj,

Greetings! I wanted to discuss why she is planning to pursue medicine in the UK. A bachelor's degree in medicine is a foundational course, so I suggest she complete her MBBS in India first. For her postgraduate studies, she can reconsider studying abroad. Additionally, if she wants to work in the UK after completing her course, she will need to take the exit or licensure exam. Therefore, it may be better for her to finish her medical education in India. This is just my suggestion.

Dr Nagarajan J S K |167 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Nov 16, 2024

Question by Nageswari - Nov 15, 2024Hindi

Career

Respected sir Covert university,Uk My son completed MBBS in Philippines. Now he has applied for MPH Is it good sir Kindly suggest me about the course and University please

Ans: Hi Nageswari,

I hope this message finds you well.

I wanted to inquire whether he has completed the FMGE in India. Without passing this exam, pursuing opportunities abroad may not be advisable. It is important for him to at least attempt the licensure exam and pass it. Without this qualification, seeking higher education will not be appropriate.

Additionally, I want to emphasize that completing a Master of Public Health (MPH) after studying medicine is often viewed as a step to gain entry into the U.S. healthcare system; however, it may not be as beneficial if he has not completed the licensure exam. If he intends to pursue higher education in medicine, he needs to finish the licensure exam in order to practice medicine effectively.

Therefore, it’s crucial that he focuses on completing the FMGE exam in India first

Mihir Tanna |964 Answers |Ask -Follow

Tax Expert - Answered on Nov 16, 2024

Question by Dipak - Nov 15, 2024Hindi

Money

Respect Sir I am a senior citizen. My gross income during FY 24-25 works out around Rs 7.5 lacs out of which Rs 5 lacs from bank interest. In addition to above, my LTCG earning during FY 24-25 is Rs 3.4 lacs How much will be my total tax liability under new tax regime considering. Rs 50,000/ as my standard deduction. Regards D chakraborty Delhi

Ans: Assuming 5 lacs as interest from FD and 3.4 lacs of LTCG is earned in 1st Qtr, tax liability under new tax regime will come to Rs.24960

Please note that 50k standard deduction is for salary/pension income and 50k deduction of Sec 80TTB is not available for new tax regime.

You can also calculate the same using income tax calculator available at https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

Milind Vadjikar |637 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by Sanjeev - Nov 16, 2024Hindi

Money

I am Sanjeev Kumar, aged 58, working with a reputed public limited company at a senior level. Our company mandates annual health check up from reputed hospitals in Delhi and I am covered under a floater medical insurance plan. I was diagnosed with Atrial fibrillation more than a couple of years ago and taking two tablets per day (one Beta blocker and one blood thinner) as a precaution as per doctor. Otherwise I am physically fit and active (I successfully run half marathon for last more than 10 years). I intend to have another medical indurance as I am approaching retirement age but insurance companies are reluctant to provide me the same. Please advise what type of medical insurance cover I should have (for self and my wife, 55 yrs) and from which companies! Is online plan okay?

Ans: Hello;

If you have a known illness of the heart unfortunately hardly any general insurance company will come forward to cover you despite other positives.

Because insurance works on probability and when they reckon that probability of claim, in future based on current information, may be high they refuse to underwrite such risks.

Since you are an employee of a public sector company, I suppose your employer may have some group mediclaim plan or coverage for the retirees as well.

Take that coverage even if you have to pay and undergo a waiting period.

Alternatively you may earmark some fixed sum 8-10 L as medical contingency fund for yourself.

For your spouse you should opt for a minimum 25 L healthcare cover from companies such as HDFC Ergo, ICICI Lombard, Bajaj Allianz, SBI General etc which do not entirely depend on healthcare insurance as the only business segment.

Best wishes;

Milind Vadjikar |637 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 16, 2024

Question by narbir - Nov 11, 2024Hindi

Money

I am 66 years old in business .. I plan to retire in 5years from active business . My monthly expense is 2.5 lacs a month . How much corpus do I need and how to invest that corpus .. pls advise

Ans: Hello;

You will need a corpus of 8 Cr.

You may buy an immediate annuity from a life insurance company for your corpus which may yield you a monthly payout of 2.8 L(post tax).
A 6% annuity rate is considered. Some companies may offer higher annuity rates.

You may select option of joint annuity for life for yourself and your spouse with return of purchase price to your nominee.

Select a big life insurer with good solvency ratio and better credibility.

Best wishes;

See more questions »

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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