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Should I join DJ Sanghvi Mumbai for Computer Science and Engineering with CET Rank 2685 and 99.040066 percentile?

Nayagam P

Nayagam P P  |3686 Answers  |Ask -

Career Counsellor - Answered on Aug 27, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Aug 26, 2024Hindi
Career

My son has got D J Sanghvi Mumbai through MHT CET RANK 2685 99.0400668 branch Computer science and engineering datascience please suggest should I go or should go for betterment.

Ans: Block this seat and wait for betterment. If not getting, he can join DJS-SE-DS. Congrats Ravikant for joining BTech-CSE this year. I appreciate you for seeking guidance for the next 4-years.

I have already provided 1-2 answers for the same question. However, I TYPE OUT AGAIN my practical tips, as I cannot go through 3100 of my answers again to search/copy & paste the answer again.

1) Visit the college campus & your CSE Department. Spend around 2-3 hours, if the college has not yet opened.

2) Check the reviews/do thorough research about the college in Google/Quora. Please note, no college can be 100% perfect and the perception/opinion of the students about the college differs from one another.

Keep in mind any negative evaluations of universities, but avoid making predetermined conclusions until you get them validated after joining the college, as the internet is flooded with information with differing opinions.

3) If the course curriculum is available on the college’s website, go through it.
4) Try to research your favorite subjects in Google / YouTube / LinkedIn etc. till college opens.
5) Now, create your professional-looking LinkedIn Profile.
6) It is advisable to create a new professional email ID (preferably Gmail ID) like ‘ravikant_btech or ravikant_tech or ravikant_cse_tech’ etc. (for LinkedIn/Job Applications/Certificate Courses) INSTEAD of using the same personal email ID that you might be having already.
7) You can provide your email ID to the college if it stresses for the same ID when you applied for the college No issue.
8) Have a limited/like-minded friends circle though you can interact with all the students of your classroom.
9) Involve in co/extra-curricular activities, related to your domain or which will be of your interest. This will help you in the long run for Campus Interviews/Abroad Education etc.
10) Avoid skipping any classes and take notes, provided by the Faculties. Class notes are more important for all tests/exams in your college.
11) Have a good/professional relationship with all faculties of the CS department.
12) Create a separate note-book for doubts for each subject.
13) Whenever doubt-clearing sessions are conducted, fully utilise them and get all your doubts cleared and note down to avoid 11th hour pressure before each test/exam.
14) Important: Maintain a decent SGPA/CGPA of 8.5 and above without any backlogs/arrears.
15) After 1st Semester is over, start learning and/or upgrading new skills from NPTEL, LinkedIn, Coursera, Upgrad, Internshala etc. and / or recommended by your faculties.
16) Once you complete the online/offline short-term courses & get certificates, immediately update them in LinkedIn.
17) MOST IMPORTANT: Put job alerts in LinkedIn, related to your domain (CSE), get notifications, go through the JD (Job Description) of each job vacancy to know the job market trends and prepare yourself for the same.
18) Whenever you get an opportunity, interact with the 2nd to 4th year students & get their advice which will enable you to plan after completing each academic year.
19) Whenever Campus Recruitments are taking place, if time permits, interact with the last year students after they attend the interview, to know about the assessment tests, interviews, group discussion, selection process & companies visited.
20) Placement cell of most of the colleges displays the names of the recruiters/companies visited during the last 3-years. Whenever time permits, do a research about each company by visiting its website.
21) It is advisable to start preparing for assessment tests of Campus Recruitment, once you enter into 4th year.
22) Decide in advance in 4th year itself, whether you want to go for the job after your BTech or to pursue your Masters in India or Abroad.
23) If decided for Masters, start preparing well for Entrance Exams/IELTS/TOEFL/PTE etc. whichever is applicable.
24) Before approaching an Abroad Education Consultant, conduct thorough study on the countries and universities you are interested in.
25) Please note, your college cannot arrange to provide internships for all students. If you get, well and good.
26) If not, you should start trying through LinkedIn, Internshala, any other Internship platforms, or through your parents/their colleagues in any of their companies for Internship (instead of relying only on your college).
27) As far as the Campus Interview is concerned, prepare a good/professional-looking Resume just in 1-page as you will be a fresher. Use ‘cultivatedculture’ Resume Building Platform which is very user-friendly and free also.
28) To prepare for the online or offline interview, prepare yourself with Mock Interviews using your mobile phone with the help of your family members/friends. Conduct at least 10 mock interviews, correcting yourself in each one for your responses to the questions as well as your body language.
29) Preparing around 20-25 technical / non-technical questions & answers for the same in advance will further boost your confidence when you face actual interviews.
30) When applying for campus interviews, prioritize organizations with job descriptions that fit your profile, hobbies, credentials, qualifications, location, job title, and company reputation.
31) However, have Plan B & Plan C if campus recruitment does not work out.

Hope, I have covered almost all aspects with value-additions.

All the BEST for Your Son's Bright Future,

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.
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6monsth back I started talking to one of my colleague, he is attractive by his nature. Almost everyone likes him. he is intelligent, funny, etc.... In calls he used to tell me about his family, his friends, his thoughts, also about the girl (Aliya) whom he liked a lot for 6years (they belong to same village), but she rejected and told that he is her friend only. He told her that he may get feelings for her if they both remained as friends, so better stop talking. But she insisted that they both need to be friends and continue talking. I felt like may be she needed emotional support that's why she insisted. After coming to Jaipur, Aliya started talking to another man named Jitesh. But my colleague used to feel like a third wheel and started keeping distance. Then also she told that they are just friends and he need not distant himself. She always wanted him to give her the first priority. He also feared that she might get upset if he don't give her 1st priority. 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Mutual Funds, Financial Planning Expert - Answered on Sep 13, 2024

Asked by Anonymous - Sep 13, 2024Hindi
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Sir, I wish to invest in following MF 1. Tata or UTI nifty 50 index fund . G 2. HDFC focused 30 G 3. Mahindra Manulife multicap Or Nippon multicap..G 4. Motilal Oswal mid cap. Each will have 2.5 L investment Amt. Kindly advise Thanks..
Ans: You are considering investing Rs 2.5 lakh in four different mutual funds. This includes a mix of index funds, focused funds, multi-cap funds, and mid-cap funds. I appreciate your thoughtful selection, but it’s essential to evaluate the pros and cons before proceeding.

In this analysis, I will give you a professional yet simple overview of each type of fund. Let's ensure that your choices align with your financial goals.

1. Index Funds: Pros and Cons
You’ve mentioned the Tata or UTI Nifty 50 Index Fund. Index funds, as you know, passively track an index like the Nifty 50. While this may seem like a safe option, there are some points you need to consider:

Advantages:
Low-cost option.

Simple to understand and follow as it mirrors the index.

Decent long-term growth potential.

Disadvantages:
Lack of flexibility: Index funds follow the market. If the index doesn’t perform well, neither will your investment. This limits returns compared to actively managed funds.
No risk management: Index funds cannot switch away from underperforming sectors.
Miss out on opportunities: Actively managed funds can offer superior returns by taking advantage of market opportunities.
Since actively managed funds offer better flexibility and potential for higher returns, I would recommend focusing on actively managed funds instead of index funds.

2. Focused Funds: A Balanced Approach
You’re considering investing in HDFC Focused 30 Fund. Focused funds invest in a limited number of stocks, typically around 20-30. This allows fund managers to focus on high-conviction ideas.

Advantages:
Potential for high returns: With a limited portfolio, focused funds can give significant returns if the chosen stocks perform well.

Concentration of best ideas: Fund managers can pick the top-performing companies.

Disadvantages:
Higher risk: Because the portfolio is concentrated, if a few stocks perform poorly, it can significantly impact returns.

Volatility: These funds can experience higher fluctuations due to limited diversification.

Focused funds are ideal if you’re willing to take moderate risk. They balance high returns with some risk. Since your portfolio includes emergency funds and insurance, this could be a reasonable choice.

3. Multi-Cap Funds: Balanced Exposure to Large, Mid, and Small Caps
You mentioned either the Mahindra Manulife Multicap or Nippon Multicap Fund. Multicap funds offer exposure across large-cap, mid-cap, and small-cap stocks, providing diversification.

Advantages:
Diversification: These funds reduce risk by investing across the spectrum of large, mid, and small-cap stocks.

Flexibility: Fund managers can shift allocations based on market conditions.

Disadvantages:
Risk in small and mid-cap: Although these funds invest in large caps, the exposure to mid and small caps adds an element of risk.

Performance varies: Depending on market conditions, these funds can underperform if small or mid-caps don’t do well.

Multi-cap funds are an excellent choice for a balanced approach. They give you exposure to all segments of the market, allowing you to benefit from growth in different sectors. However, there’s moderate risk involved.

4. Mid-Cap Funds: High Growth, High Risk
Finally, you’ve considered investing in Motilal Oswal Mid Cap Fund. Mid-cap funds focus on mid-sized companies, which are often in the growth stage.

Advantages:
High growth potential: Mid-caps have higher growth potential compared to large caps.

Diversification across industries: Mid-cap companies come from diverse sectors, providing broader market exposure.

Disadvantages:
Higher volatility: Mid-cap stocks are more volatile than large caps. They can offer high returns but may experience significant fluctuations.

Market dependency: Mid-caps tend to underperform during market downturns, which increases risk.

Mid-cap funds are suitable if you are looking for long-term growth and are comfortable with higher risk. Since your portfolio includes a good mix of other funds, this could be a good growth-oriented addition.

Evaluating Your Overall Portfolio
Balanced diversification: Your portfolio contains a combination of mid-cap, multi-cap, and focused funds. This creates a balanced exposure across different market segments.

Risk assessment: The inclusion of mid-cap and focused funds indicates that you’re willing to take moderate to higher risks. However, avoid over-exposure to mid-caps, as they can be volatile in the short term.

Long-term growth potential: Each fund type offers strong long-term potential, especially with the exposure to mid and multi-cap segments. You’re positioned well for growth over the next 10-15 years.

Recommendations for Improvement
Here are a few suggestions to optimise your portfolio further:

Avoid over-reliance on index funds: As mentioned earlier, actively managed funds may offer better returns. You may want to replace the index fund with a large-cap fund managed by an experienced fund manager.

Review portfolio regularly: It’s essential to review and rebalance your portfolio regularly. This ensures your investments remain aligned with your goals and market conditions.

Consider goal-specific investments: While your portfolio appears diversified, it’s essential to allocate funds specifically for long-term goals like retirement or your child’s education. Make sure your investments match your risk tolerance and time horizon.

Tax Efficiency and Growth
Another critical factor is the tax efficiency of your investments. Mutual funds, especially equity-oriented ones, are tax-efficient compared to fixed deposits and other bank-based savings instruments. The long-term capital gains on equity mutual funds are taxed at 12.5% beyond Rs 1.25 lakh of gains, making them a better option for long-term wealth creation.

By investing Rs 2.5 lakh in each fund, you’re making a decent start. However, don’t forget to review tax implications annually to minimise liabilities and maximise growth.

Final Insights
In summary, your portfolio looks strong with a mix of equity funds targeting growth. However, I suggest replacing the index fund with an actively managed large-cap fund to optimise returns. Continue monitoring your investments regularly and ensure your asset allocation is aligned with your financial goals. With proper planning and regular reviews, your portfolio can help you achieve long-term financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Sushil

Sushil Sukhwani  |549 Answers  |Ask -

Study Abroad Expert - Answered on Sep 13, 2024

Asked by Anonymous - May 23, 2024Hindi
Listen
Career
Hi sir, i have completed BE civil engineering and having 14years of work experience in underground metro constructions. Recently my wife got H1B for North Carolina. If i have to move with her what are the possibilities for work or studies. Is there any one MS course offered by NCSU for construction management? May i know the procedures to follow.
Ans: Hi,

To begin with, thank you for reaching out to us. I’m glad to hear that you and your wife are planning to move to North Carolina and that you intend to study and work there. To answer your question, given your extensive experience in underground metro constructions, you have several opportunities if you move to the USA. You could explore roles in civil engineering firms or construction companies that specialize in infrastructure projects, as your background aligns well with large-scale construction and engineering roles. You should also consider connecting with local engineering societies or professional networks to find job openings or consulting opportunities.

Regarding your interest in pursuing further studies, North Carolina State University (NCSU) offers courses in Construction Project Management, Construction Safety Management, Risk and Financial Management, Materials Management in Construction among others. I would recommend you to connect with an expert to get a better understanding of the various courses that are available in the USA and to know about the procedures to apply for the same.

For more information, you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

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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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