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Pradeep

Pradeep Pramanik  |260 Answers  |Ask -

Career And Placement Consultant - Answered on Jul 22, 2025

Pradeep Pramanik is a career coach, placement consultant and director at Fast Track Career Consultants, which provides career counselling, soft skills training and placement consultancy services.
Pradeep, who hails from Bhagalpur in Bihar, has worked in the pharmaceutical industry for 15 years in sales, marketing, training and product management roles in companies like Lupin Pharmaceuticals, Elder Pharmaceuticals and Ranbaxy Laboratories.
During his tenure in the pharma industry, he has worked in different states including Bihar, Jharkhand, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Tamil Nadu and West Bengal.
In 1998, he launched Fast Track Career Consultants with the aim of helping youngsters find jobs through the right career counselling, training and placement services.
They also offer HR analysis and appraisal services.
Over the years, he has been invited by management and engineering institutions to discuss education and employment policies, entrepreneurship, soft skills and emerging careers in India.
He has published four books on career counselling and contributed articles to print publications.... more
priya Question by priya on Jul 22, 2025Hindi
Career

Sir My son got bits Goa campus mechanical engineering Thapar CSE PES CSE Which one to gor forward with

Ans: Dear Ms. Priya , for 'your son I will suggest Thapar CSE .
Asked on - Jul 22, 2025 | Not Answered yet
Sir comed k rank 900 if I get in Bangalore which one is better .

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Nayagam P

Nayagam P P  |10233 Answers  |Ask -

Career Counsellor - Answered on Jul 05, 2025

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Dear sir My son has got admission in MTech Data science in IIT Jodhpur and ME CSE in BITS Goa, which one to finalise. Please guide.
Ans: Khalid Sir, IIT Jodhpur’s two-year M.Tech in Data and Computational Sciences is NBA-accredited at an Institute of National Importance, delivered by PhD-qualified faculty through its School of AI & Data Science’s dedicated deep-learning, NLP, computer-vision and MLOps labs. The curriculum integrates real-world projects, industry-mentored internships and a flexible elective structure. Over the last three years, M.Tech placements averaged 82% with 280+ recruiters, including Microsoft, Amazon and Goldman Sachs . BITS Pilani Goa’s two-year M.E. in Computer Science admits 50 students per cohort, is NBA-aligned and taught by experienced faculty in advanced AI/ML, big-data and software-engineering labs, backed by its student-run Center for Technical Education. In 2024, higher-degree placements stood at 76.9% with an average package of ?21.14 LPA and recruiters like Qualcomm, Intel and Nvidia . Both offer strong career-development cells and modern infrastructure; IIT Jodhpur provides stronger PSU and research tie-ups, while BITS Goa delivers higher average packages and a broader tech-industry network.

For an IIT brand, robust academic-research ecosystem and assured placement consistency in data science, recommendation is IIT Jodhpur M.Tech Data Science. If your son prioritises higher average packages, a focused CSE curriculum with extensive industry engagements and campus innovation culture, choose BITS Goa M.E. CSE. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
Money
Hi. I have a monthly income of 1.5lakh. I have SIPs of around 35k monthly. The SIPs are of Nifty smallcap, nifty50index, midcap,parag parikh flexi, kotak midcap. I want to build a diversified portfolio and have an asset of 1cr in 10 years. I have a home loan emi going on which is monthly 20k now. It will increase in the coming months. Please suggest.
Ans: You are already showing strong discipline with Rs. 35,000 monthly SIPs. Starting early and staying consistent is the key to building your Rs. 1 crore goal in 10 years. Your current income and surplus allow you to plan in a structured way without putting pressure on your lifestyle.

» assessment of present portfolio
– Current SIPs are in smallcap, midcap, flexicap, and index funds.
– Smallcap and midcap funds give high growth potential but carry high volatility.
– Flexicap offers balance by letting the fund manager switch between market caps.
– Nifty 50 index gives broad market exposure but no active management flexibility.
– Index funds simply copy the market and cannot avoid downside in bad phases.
– Actively managed funds can shift allocation to protect returns during corrections.

» building a more diversified allocation
– Avoid over-concentration in smallcap and midcap segments.
– Keep largecap actively managed funds as a stability anchor.
– Maintain some exposure to debt mutual funds for safety and liquidity.
– Include an international equity fund for global diversification.
– This reduces risk from Indian market downturns and currency fluctuations.

» recommended asset split for 10-year goal
– Equity funds: 70% of monthly investment.
– Debt funds: 20% of monthly investment.
– Gold or other hedge assets: 10% of monthly investment.
– This balance offers growth, safety, and inflation protection.

» adjusting current SIP mix
– Reduce direct index fund allocation and replace with actively managed largecap or multicap funds.
– Continue with one midcap fund but avoid holding too many in the same category.
– Retain flexicap fund for dynamic market allocation.
– Keep smallcap exposure limited to 10–15% of total portfolio for high growth potential without excessive volatility.

» role of debt allocation in your case
– Debt mutual funds give stability during market falls.
– They also provide liquidity for planned expenses or emergencies.
– Over 10 years, the debt portion will be shifted towards equity in the early years, then increased again in the last 3 years for safety before withdrawal.

» impact of home loan EMI increase
– Your EMI will rise, reducing investible surplus temporarily.
– Plan in advance so you do not stop SIPs when EMI increases.
– Keep an emergency buffer equal to at least 6 months of EMI + expenses.
– This prevents you from redeeming growth investments for loan needs.

» estimating potential growth towards Rs. 1 crore
– If you invest consistently and follow a balanced allocation,
– Equity growth over 10 years can multiply invested amounts significantly.
– The debt portion will add stability and protect from market timing risks.
– Even with moderate growth assumptions, Rs. 1 crore in 10 years is realistic.

» tax planning for your investments
– Equity mutual funds: LTCG above Rs. 1.25 lakh in a year taxed at 12.5%.
– STCG on equity: 20% tax rate.
– Debt mutual funds: taxed as per your income slab for both short and long term.
– Plan redemptions around your goal year to minimise tax liability.

» review and rebalancing
– Review portfolio performance annually.
– If one category grows beyond target allocation, rebalance to maintain risk level.
– Rebalancing avoids over-exposure to any single segment.
– In last 2–3 years before goal, gradually shift gains to debt for safety.

» safeguarding financial plan
– Ensure you have adequate health and life insurance.
– This keeps your investment plan safe even if an emergency occurs.
– Avoid stopping SIPs unless there is a severe cash flow issue.
– Continue business or salary income growth to keep surplus healthy.

» finally
You already have the right habit of disciplined SIPs. By reducing over-concentration in high-risk segments, shifting some index fund allocation to actively managed funds, and adding a planned debt portion, you can control risk while targeting Rs. 1 crore in 10 years. Staying consistent, rebalancing regularly, and protecting your plan with insurance will ensure you reach your goal confidently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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