Is Saveetha Engineering College (SIMATS) a good choice for CSE AI? A parent seeks advice.

Ans: You have Rs. 35 lakhs in FDs, a secure and risk-free investment.

At 38 years, you can afford a higher risk appetite to maximise returns.

A 10-year horizon allows you to benefit from compounding and equity market growth.

Diversification is key for optimising returns and reducing risk exposure.

Equity Mutual Funds for Long-Term Growth

Allocate 60% of your corpus (Rs. 21 lakhs) to diversified equity mutual funds.

Invest in large-cap, mid-cap, and flexi-cap funds for balanced growth.

Equity mutual funds offer potential for high returns over a 10-year horizon.

These funds are actively managed, ensuring better performance than index funds.

Debt Funds for Stability

Allocate 20% (Rs. 7 lakhs) to high-quality debt mutual funds.

Debt funds provide stability and better post-tax returns than FDs.

Use them for medium-term needs and to reduce portfolio volatility.

Choose funds with low credit risk for better safety.

Gold as a Hedge

Allocate 10% (Rs. 3.5 lakhs) to gold via sovereign gold bonds (SGBs).

Gold provides inflation protection and portfolio diversification.

SGBs offer tax benefits and additional interest income.

PPF for Risk-Free Growth

Allocate 10% (Rs. 3.5 lakhs) to Public Provident Fund (PPF).

PPF offers tax-free returns and risk-free investment growth.

Invest the annual limit of Rs. 1.5 lakhs for full tax benefits.

Systematic Investment Approach

Move FD funds to the market gradually via a systematic transfer plan (STP).

STPs reduce market timing risk by investing systematically over time.

This approach ensures smooth transition from fixed-income to market-linked funds.

Tax Efficiency in Investments

Equity mutual funds are tax-efficient for long-term investments.

LTCG tax on equity above Rs. 1.25 lakh is 12.5%.

Debt fund gains are taxed as per your income slab.

Optimise withdrawals to minimise tax outflows.

Portfolio Review and Rebalancing

Review your portfolio annually to maintain the desired asset allocation.

Rebalance to stay aligned with market changes and financial goals.

A Certified Financial Planner can guide you for periodic adjustments.

Emergency Fund Planning

Retain a portion of your FD for emergency purposes (3-6 months' expenses).

Ensure quick access to this fund for unforeseen needs.

Final Insights

Diversify into equity, debt, gold, and PPF for balanced growth.

Focus on long-term wealth creation with a systematic and disciplined approach.

Review investments regularly to align with financial goals and market conditions.

With this plan, your Rs. 35 lakhs can grow significantly in 10 years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: you need to hold it till SEBI reopens it

Ans: reduce from Aarti and add a Power sector company

Ans: NO, SCSS is better for them

Ans: plz connect with the registrar of the company, they will guide you.
Data Software Research Company Private Limited
19, Pycrofts Garden Road, Off Haddows Road, Nungambakkam, Chennai - 600 006, Tamil Nadu

Ans: if your vision is of 5yrs then yes.

Ans: Marriage is a lifelong commitment that requires more than just compatibility on paper. Shared values, mutual respect, and a genuine connection are foundational to a happy and fulfilling relationship. If you feel uncertain or uneasy after meeting this person, it’s worth honoring those feelings and giving yourself time to explore them further. One meeting is often not enough to decide, but neither is it fair for anyone to expect you to commit without clarity.

It might help to have an open and honest conversation with your parents about how this pressure is making you feel. Share your thoughts with them calmly, focusing on your perspective rather than framing it as opposition to their wishes. You could express gratitude for their care while also making it clear that you need space to make a decision that you can feel confident about. Remind them that rushing into a choice you’re not ready for could lead to regret, which is not what either of you wants.

If the pressure continues to escalate, consider involving someone you trust—maybe a relative, family friend, or counselor—who can mediate and help your parents understand your point of view. Sometimes, a neutral perspective can ease tensions and bridge the gap between what they want and what you need.

Above all, remember that this is your life and your happiness at stake. While their love and approval are important, the decision to marry should come from a place of certainty and alignment with your values and goals. It’s okay to take your time, ask for understanding, and prioritize what feels right for you. You deserve a partnership that brings joy, peace, and fulfillment, not one borne out of pressure or fear of missing out.

Ans: At 14, your focus should be on growing, learning, and discovering yourself. Marriage is a lifelong commitment that requires emotional maturity, stability, and readiness—things that naturally come with time. It’s okay to tell your father, calmly and firmly, that you’re not ready for marriage yet, regardless of who the person is. Try to express that your education and personal growth are priorities for you now, and marrying too young could prevent you from living the life you want in the future.

When it comes to the person you care about, those feelings are also important, but it’s worth remembering that both of you are still very young. Your emotions are real, but your focus on education and future goals should remain central for both of you right now. If this connection is meaningful, it can grow naturally over time without the rush or stress of marriage.

If speaking directly to your father feels too difficult, is there a trusted adult, family member, teacher, or counselor who can help you communicate your feelings? Sometimes having someone else explain your perspective can make all the difference.

Above all, you deserve to feel heard, respected, and supported in your choices. You’re not alone, and this is not a battle you have to fight by yourself. Take it one step at a time, and remember, your voice and dreams matter.

Ans: Dear Anonymous,
This is really sad. It would have been mature of him to say things to your face instead of running away. Anyway, you are faced with a situation where you are going to need solid legal advice.
So, do just that and find a lawyer who can smartly deal with the issues on how to protect your daughter's interests. As for you, this being such a shocker is going to make you lose faith in a marriage. But remember things could have gotten worse...his true colors came in through this way...he could have very well cheated on you while living with you as well. This is not to justify what he's done of course but for you to find peace within you somehow.
But, before taking this serious step, I would encourage you to speak with him. Let him make an effort to come down meet you and at that time do ask him if he really wants divorce. Also, by then you will also have to make up your mind that in case he apologizes, if you want to forgive him and move on...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/