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Harsh

Harsh Bharwani  | Answer  |Ask -

Entrepreneurship Expert - Answered on Aug 11, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
Maninath Question by Maninath on Jun 24, 2023Hindi
Career

Hi Harsh, how are you. I am working as a quality control manager in pharma industry with total experience of 14 year. After first lock down i were started my own business of agriculture inputs with my job and also working as a astrologer on Astrotalk but I am not happy with all of this. I love to travel and in all my job business I dont have time for me. Can you please suggest me some job or business in which I earned decent money (near about 50K) with lots of time to travel all around world right now I an earning near about 3lakh per month but I lost my time, relation, friends and every think which I earned before money. My age is 36 right now.

Ans: 4 types of trip jobs There are numerous different ways to travel while working. All of the trip jobs listed in this composition fall into one of the following orders Digital rambler jobs Jobs that pay to travel Expats working and traveling abroad Rambler jobs Some types of trip jobs bear a high position of moxie, and some are not as flexible as others. still, they all give you the means to cover some( or each) of your trip charges.

1. Digital rambler jobs Digital gadabouts are people who travel while working online. As a result, digital rambler jobs give an enormous quantum of inflexibility and independence when traveling. exemplifications of digital gadabouts include freelance inventors, graphic contrivers, and drop shippers. With this type of trip job, all you need is a dependable internet connection and a laptop. You can travel to the stylish digital vagabond metropolises and work from coffee shops, hospices, or co-working spaces. The jobs are frequently completely remote.

2. Jobs that pay to travel This type of job encompasses traditional trip jobs, generally in the hospitality and tourism diligence. exemplifications of jobs that pay to travel include voyage boat workers, flight attendants, and stint attendants. These jobs frequently mandate when and where you get to travel and frequently give free accommodation. So while there’s lower freedom than in digital rambler jobs, these jobs may be easier to get if you have previous experience working in hospitality.

3. Expats working and traveling abroad The term “ expat ” stands for “ émigré. ” It refers to people who are citizens of one country but decide to live and work in another country. exemplifications of expat trip jobs include English preceptors, au dyads, or government workers. Expats might live in other countries for just a many months or times at a time. So, if you’d prefer to work outside your home country and sink your teeth into a new culture or language, this may be the dream job for you.

4. Rambler jobs Let me give it to you straight Rambler jobs are presumably the least glamorous, taking you to work long hours for a minimum pay envelope. exemplifications include bartenders, hotel workers, and probing preceptors. Still, this type of trip job has a lot of benefits. These entry- position trip jobs don’t generally bear a computer or council degree. They also give plenitude of inflexibility so you can travel at your own pace. Plus, chancing original work while traveling is one of the stylish ways to meet intriguing people and experience different societies. 25 stylish trip jobs to make plutocrat while traveling the world Now that you understand the types of trip jobs available, let’s dive a bit deeper. Then are 25 of the stylish jobs for people who like to travel. Let’s launch with jobs that you can do with just a laptop and an internet connection.

5. Digital rambler jobs
1. Web design/ development A common job for digital gadabouts is web design and development. To start, learn how to produce a website. Or try searching for jobs on spots like GitHub Jobs and Up work.
2. Writing These days, it’s possible to make plutocrat writing about nearly anything. Look for jobs on spots like Freelance Writing, Blogging Pro, and Pro blogger. Freelance Writing Jobs
3. Graphic design Do you love graphic design? Why not turn your passion into a job that covers your trip costs? You can find graphic design traveling jobs on spots like Freelancer and Dribble. Dribble Graphic Design Jobs
4. Trip blogger numerous people make plutocrat with trip blogging. still, it can take time to make a sustainable income from this source. To find out further, check out How to Start a trip Blog.
5. Drop shipper might just be the stylish job to travel the world. It’s a hands-off approach to dealing physical products online. You manage your store and promote products to your target request. also, your supplier will transport the products to guests on your behalf. To get started and gain experience, read How to Start a Drop shipping Business.
6. Online tutoring/ instructor tutoring online is one of the stylish trip jobs, thanks to its low hedge to entry.However, you can be over and running in no time, If you’re a native English speaker and love to educate. To learn more, check out our full-length companion, Online Teaching Everything You Need to Know.
7. Online translator still, consider getting an online translator, If you’re fluent in further than one language. This job makes it easy to travel while working. Plus, there are plenitude of websites out there to help you find implicit guests, similar as Translators Base. Translators Base Job Boards
8. Digital marketer in numerous businesses need help with digital marketing. Like numerous of the stylish trip jobs, digital marketing is not commodity you can learn in a week or two. still, there are plenitude of free coffers online to help you come a digital marketer and make big bucks while traveling! Get started with this composition Digital Marketing Made Simple The Complete freshman’s companion.
9. Programmer If you know how to decode — or you would love to learn — you could travel the world while working as a computer programmer. There are plenitude of websites out there that educate programming, similar as Free Code Camp,Code.org, and Code Academy.
10. Virtual adjunct numerous businesses and individualizes hire people to help them with executive tasks, like scheduling and responding to client inquiries. These people are known as virtual sidekicks. To learn more, check out How to Come a Virtual Assistant.
11. client service agent Are you great with people? Do you have plenitude of tolerance and a genuine desire to help? Tons of businesses hire remote client service agents. To find client service jobs, check out remote job boards like Flex Jobs, Just Remote, and We Work Ever. We Work Ever Jobs that pay to travel Do you want to travel for a living? Then are some jobs with trip openings.
12. Yacht worker This trip job nearly sounds too good to be true. You can travel for a living on some rich person’s luxury yacht — you just have to earn your upkeep as a deckhand or slave! The yacht is like a free house because you do not pay rent. Look for yacht trip jobs on spots like Ya crew and Blue water.
13. Cruise boat worker still, consider working on a voyage boat, If you ’d rather sail on a bigger boat. This type of trip job provides plenitude of work openings. For illustration, you can work as a server, bartender, cleanser, lifeguard, or musician. Try searching for jobs on websites like All voyage Jobs, Indeed, and Cruise Job Finder. Jobs That Pay to Travel All Cruise Jobs
14. Flight attendant Working as a flight attendant provides plenitude of openings to travel different countries, with airline and hostel abatement to charge! still, the hours can be long, and spurt pause is a common circumstance. You can find flight attendant openings on Indeed and Airline Career.
15. shooter Photography could be your round the- world ticket. It’s not easy to turn this hobby horse into a career, but numerous people achieve it every time. Make sure to specialize in a niche geared for trips, similar as destination marriages or trip photography. To learn more, check out this companion on How to Start a Photography Business. Expat jobs still, consider living abroad long term with these trip jobs, If you want to immerse yourself in a different culture.
16. English schoolteacher To come an English schoolteacher, it’s likely you’ll need a TEFL( educate English as a foreign language) instrument. Find out further on TEFL’s website or look for jobs on Go Overseas. Jobs Related to trip TEFL.
17. Scuba diving educator Do you love scuba diving? If you get good, you could educate scuba diving each over the world, from India to Iceland. To learn more, check out the Professional Association of Diving preceptors or look for jobs on Dive zone and Go Abroad.
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Krishna

Krishna Kumar  | Answer  |Ask -

Workplace Expert - Answered on Mar 04, 2024

Asked by Anonymous - Mar 04, 2024Hindi
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Career
Hi Krishna I have worked as a software engineer for last 20 years and I am exhausted and feel like quitting the software industry. Even though work is manageable, due to my experience the expectation from Leadership is high, and delivery expectations also is too much. Workplace is toxic, and too much of politics. I am an introvert and feel like doing remote jobs for lesser pay or rather quit completely and continue with my spiritual journey since I have seen lot of pain and suffering with respect to my health, marriage etc etc. I am also drawn towards spiritual life because leading a materialistic life seems meaningless. I am 45 today, I have no more interest in material life but due to obligations towards family and 1 child, I am working for money and I also need money for medical expenses because I underwent through a major health crisis 10 years back where I lost organ for surgery, this has created major imbalance in hormones leading to depression, anxiety and unable to face everyday challenges. This is also the reason due to which I cannot continue working. I have some 50k monthly as passive income and only 1 child. With some ppf, pf amount. Would this be enough for me to continue on spiritual journey and exit material and hectic IT life due to health issues and no peace in what I am doing ? Can you suggest how I can get some remote jobs that I can do if in case I need money. I am a BTech MBA graduate and managed to survive in this pressure hectic IT life for 20 years and feel like giving up everyday. I sometimes feel it was better off to lead a life without this education, engineering because all we need is 2 pair of clothes, shelter and 2 times food and for that we need to struggle so much in a city when compared to a village life. Please guide me not just from your perspective but step into my situation and understand and share your thoughts, or have you seen anyone like me and how have they managed to lead life after quitting and leading a monastic life
Ans: Dear

At the outset let me express my gratitude to you for putting up your question. It's indeed very profound.

First and foremost, your personal health is of foremost importance. Nothing should come in between that.

Secondly, money is essential but it's like the fuel not the engine.

Thirdly, work we must because it makes us fulfilled but we should not let work define our identity.

Fourthly, family commitment is our responsibility never run away from that.

Finally, spiritual journey or pursuing hobbies should not be taken up because we feel frustrated with some other things in life. They should be an end in itself.

I can feel what you are going through because many are in a similar situation like you but they don't have clarity or courage to accept that. So cheers to you for being aware of your situation and accepting it.

Here are few thoughts that I would share, however please take them as pointers and not as an advise, because we all have our own emotional disposition. That's why I believe an advise that may work for one person will not work for another because we all have our own emotional state and that defines the way we feel after taking certain decisions.

1. Slow down...you may want to ask your company to make you contractual with reduced responsibility and pay or you can take up contractual assignment with some other companies. In today's cost cutting environment companies would prefer that.

2. Talk to your spouse about your current state, let me tell you our spouse has a better feel of what we should and should not do. Moment you talk to your better half world of options will open. But more than that you will realise that you have someone in life who cares for your well being...that feeling is what we all need...someone caring for us.

3. Give up the notion of self identification through work. After salary that's the biggest drug that keeps us going in a job. We can't see ourselves outside of work as if we are born to work.

Lastly pray to God seeking guidance and clarity, trust me prayer is very powerful because it makes us calm and it's the calm mind that gives clarity.

Wishing you the very best. Trust me you will be alright soon.

With Love
Krishna

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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Mar 21, 2024

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Career
Sir my name is Pooja I'm from Mumbai.. I am always concerned my job. After graduation i worked in call centre because I'm not aware of jobs i got then I did that time. I told my friend i m working as Customer service.. they look cheap !! Eww she is working.. but my goal is to get job in good finance profile I'm getting in accounts executive profile and that are 40+ km from my hometown to travel. Idk what I do ? Should I do that job or and also jobs was very far from where I live like a 40 km or 50km. Is it worth?? I want to do but traveling k vajah se raat bhut late hoga wahi soch Rahi hu ! Please give me a suggestion. I would love to hear back.
Ans: Hello Pooja, it’s great to hear from you. Your concerns about your job and travel are completely valid. Here are a few things you might consider:

Job Satisfaction: It’s important to find a job that aligns with your career goals and interests. If the finance profile is what you aspire to, then it might be worth considering, even if it’s a bit far.
Travel Time: Long commutes can be tiring and can affect your work-life balance. However, some people use this time to read, learn new things, or relax by listening to music or podcasts.
Safety: Since you mentioned that you might get home late due to the commute, consider the safety aspect as well.
Opportunities Closer to Home: Keep looking for opportunities that might come up closer to your home.
Remote Work: With the current trend of remote work, many companies offer flexible work-from-home options. You could look for such opportunities in your desired profile.
Remember, it’s your decision at the end of the day. Consider all factors including your health, safety, interest in the job profile, and work-life balance. Hope this helps

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Latest Questions
Ravi

Ravi Mittal  |628 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 10, 2025Hindi
Relationship
Dear Ravi, I am a 38 yr old housewife & mother of 1 son who is now 17 yrs old. We are Bengalis but in Pune for the last 12 yrs. About 10 yrs ago I used to regularly pick & drop my son to school then in class 3 , when I met another telegu woman who also used to do the same for his son. They were a close knit business family & sometime her elder jeths son who was then 22-23 yrs old used to come to pick up the kids. Many days I will gossip with him while waiting for the kids. Many a times I used to go to there house to meet his aunt & also talk to him, he was a good man but hardly completed his 10th , had some problems of bad company so his father got him to business. He used to call me aunty & I used to see him as my friends son( being my friend's jeths son). He used to then create problems at home & many a times my friend will ask me to talk to him which I used to do & he used to listen & correct. This gave me a good reputation in his family, this continued for 7-8 yrs before we changed our son's school . We were in touch initially then it became a very occasional call eventually loosing her phone number also. About 3 months back I met my friend in a mall by co-incident & started gossiping I told her of being single now. I enquired about her nephew & told me that they are not able to get a girl for him mainly because of his medical condition he will never be able to become a father, so they are now open for girls with kids. After a few days she called me to there house for a puja which I visited & also met with her family. After 2 days she & her sister in law suddenly came to my place with her jeths son, after an informal talk her jeths son took my son out & they asked me if I will be open to marry him. I am in a delima, I have seen this man always as a friends son& behaved accordingly but can I change my relationship with him to a husband wife. On this my friend she is saying that she is married to her mama as is acceptable in south , she gives her own story that she knew her husband for 20 yrs before marriage proposal & used to even play with him as her mama. It hardly took her time to change the relationship. Many of my friends talk about similar change of relationship. He & his family is very keen on this marriage. Can you help me to first decide if it is possible to change the relationship from friend's son to husband, if yes how to go about. I am also worried that in a few mnth my son will go to hostel for his engg & I will be alone
Ans: Dear Anonymous,
I understand that you fear being alone, but I request you to not make a rushed decision based on that fear. If you feel you will never see this man as anything more than a friend's son, please do not push yourself to marry him. There is no love or romance in this arrangement; at least, not yet. And it seems like they are only pushing it because the guy has a condition. Please do not settle for just anyone because you are worried about being alone. Marriages can be lonely too.

I suggest thinking very thoroughly and clearly before making a decision. This alliance seems advantageous for them, but not so much for you.

Hope this helps.

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Nayagam P

Nayagam P P  |9695 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Career
Sir , my rank is 53362, general category male from west bengal , pls suggest me the best nits and iiits available for my rank in csab counselling. (Preferably cse/ece branch).
Ans: With a JEE Main 2025 General Category rank of 53,362 and West Bengal as your home state, securing Computer Science or Electronics & Communication seats in top NITs through CSAB is highly challenging, as closing ranks, even in CSAB Special Rounds, are typically much lower—major NITs’ CSE and ECE cut-offs last year generally closed below 30,000 to 45,000 for the General category, and West Bengal’s home state advantage provides little relief for CSE/ECE in NIT Durgapur, where closing ranks for CSE and ECE were around 14,500 and 19,000 respectively. For IIITs, most core branches, especially CSE and ECE, also saw closing ranks well below your rank, typically ranging between 15,000 and 35,000 in the special rounds, with only a few non-core branches or less popular IIIT campuses stretching beyond that mark. In the case of GFTIs, while some institutes and branches (particularly non-core engineering streams or newer colleges) have closed near or around 50,000, Computer Science and ECE remain highly competitive, with only certain GFTIs like Assam University, Silchar (CS closed near 45,000), Guru Ghasidas Vishwavidyalaya Bilaspur (ECE sometimes closes to 42,000), or possibly peripheral/newer institutes offering a slim chance. According to the latest cut-off data, there is virtually no 100% sure NIT, IIIT, or GFTI for CSE/ECE at your rank (53,362) for General category in CSAB rounds; options at this threshold tend to be limited to non-core branches or non-flagship/new institutions, both for home and other state quotas.

RECOMMENDATION: At your current JEE Main General category rank, gaining admission in CSE/ECE at any NIT, IIIT, or premier GFTI via CSAB is highly unlikely; however, you can consider participating with lower preference branches or new/less preferred institutes. As an alternative, explore private colleges or other reputed universities for CSE/ECE to maximize your academic and career prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9695 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
Hello sir I have just passed 12th with 92.2% and have a score of 89.2 percentile in jee mains .I am interested in btech cse but with this rank i am only getting electronics and computer engg in uiet kuk(KU) . I am now confused whether to pursue this course or switch the college to some private
Ans: Ashlesha, UIET Kurukshetra is a public institution established in 2004, recognized for offering solid engineering programs, including Electronics and Computer Engineering. The department blends electronics fundamentals with contemporary computing, providing students with interdisciplinary exposure and access to experienced faculty and well-equipped labs. However, in terms of placement, the combined Electronics and Computer Engineering branch at UIET records placement percentages ranging from approximately 60% to 80% over recent years, slightly lower than pure Computer Science branches at top private colleges in Northern India. Reviews by current and former students reflect that while UIET offers affordable education, good campus facilities, a disciplined academic environment, and opportunities for projects and technical events, placement opportunities tend to be stronger for CSE and IT branches, often requiring students to put in significant individual effort for top outcomes. Infrastructure is competitive for a state university, and student feedback highlights a supportive faculty but also mentions that core electronics placements are more limited; the bulk of offers arise from IT and service-based recruiters. Curriculum updates and university initiatives are evident, but private colleges often offer more dynamic industry-linkages and exposure, leading to stronger placement records and internship opportunities. Considering these aspects, if you are strictly seeking core CSE knowledge and broader software placement opportunities—and are open to higher tuition—eminent private institutions in Northern India such as Amity University Noida, Thapar Institute of Engineering & Technology Patiala, Jaypee Institute of Information Technology Noida, Galgotias College of Engineering & Technology Greater Noida, and GL Bajaj Institute of Technology & Management Greater Noida are reputed options, each with robust CSE placement records and strong campus-industry interfaces.

RECOMMENDATION: For B.Tech aspirants prioritizing pure CSE and top-tier software placements, joining a reputed private engineering college is generally more advantageous than pursuing Electronics and Computer Engineering at UIET Kurukshetra. However, UIET remains a credible and affordable public alternative if you value government university credentials and are comfortable exploring interdisciplinary roles. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9695 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
ECE in Jaypee Sector 62 Noida or maharaja agrasen (MAIT) Delhi. Naac accreditation is A for both but seems MAIT do not have accreditation for ece deptt. Not worried about fees but want a good college, faculty and studies.
Ans: Komal, Jaypee Institute of Information Technology (JIIT), Noida and Maharaja Agrasen Institute of Technology (MAIT), Delhi both hold NAAC ‘A’ accreditation and are recognized for quality engineering education, but key differences emerge for ECE aspirants. JIIT’s ECE department enjoys full university accreditation and AICTE approval, with a reputable presence in national rankings and a faculty roster largely holding Ph.D. degrees and actively involved in research. Placement rates for JIIT ECE have consistently been strong, with 85–91% placed over the last three years, bolstered by established industry connections and a highly structured placement cell, though recruitment is somewhat stronger for CSE. The infrastructure at JIIT is modern, featuring fully equipped labs, air-conditioned smart classrooms, robust hostel facilities, advanced library resources, and abundant sports and extracurricular amenities. In contrast, MAIT Delhi’s ECE program is NAAC ‘A’ accredited at the institutional level, but direct NBA or program accreditation for ECE is not emphasized. Faculty are generally helpful and blend industry experience with accessible teaching, but feedback on faculty quality is mixed and active research engagement is less highlighted. MAIT’s infrastructure is comprehensive with digital libraries, advanced labs, and diverse amenities; however, placements for ECE hover around 70%, with fewer core companies visiting campus, and the bulk of opportunities skewed towards IT roles. Both institutes offer significant student support and practical exposure, but JIIT’s research emphasis, academic environment, and consistently higher placement record give it an extra edge for students seeking a holistic and future-focused ECE education.

RECOMMENDATION: Jaypee Institute of Information Technology, Noida stands out as the preferable choice for ECE with its robust academic ecosystem, research-oriented faculty, rich campus resources, and consistently superior placement percentages, especially for those prioritizing quality of education and long-term career prospects in electronics and communication engineering. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9695 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Asked by Anonymous - Jul 30, 2025Hindi
Career
My daughter vit chennai cyber security vs JNTU Kakinada CSE which is better
Ans: VIT Chennai’s Cyber Security program presents a focused, industry-relevant curriculum that prepares students for the rapidly growing field of information security, with outcomes targeting both technical depth and organizational application. Placement rates for the cyber security branch have consistently remained high, ranging from 85–90% over the past three years, and the campus is equipped with state-of-the-art infrastructure, specialized labs, and an active industry interface supporting internships and projects. The faculty at VIT Chennai are highly qualified, often with doctoral degrees and ongoing research engagement, ensuring courses reflect updated industry requirements while blending theoretical and hands-on elements effectively. The university’s broad network of recruiters and modern campus culture further enhance student exposure and professional growth. In comparison, JNTU Kakinada’s CSE branch is well-established, with a placement range reported from 65–80% and steady hiring by reputable IT companies, primarily for software roles. JNTU Kakinada boasts a strong core faculty, a rigorously structured syllabus, and significant infrastructure spanning large libraries and multiple labs. However, placements for CSE students, while respectable, are somewhat lower than VIT’s cyber security specialization, and the range of recruiters and campus industry tie-ups is typically narrower. Both institutions have solid academic foundations and offer good learning environments, but VIT Chennai edges ahead in curriculum currency, placement consistency, and industry alignment, particularly in the evolving domain of cyber security.

RECOMMENDATION: VIT Chennai’s Cyber Security program is the preferable choice for students prioritizing placement success, specialized industry-driven curriculum, and modern campus facilities, making it better suited to capitalize on growing cyber security demand. JNTU Kakinada CSE remains a strong, traditional alternative for those seeking a comprehensive software engineering base at a well-recognized state university. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9695 Answers  |Ask -

Career Counsellor - Answered on Jul 30, 2025

Career
I stay in Noida.which is better JIIT noida or thappar ?is it worth spending thar much amount in CS branch or i can explore colleges like Galgotia or GL bajaj ?
Ans: For aspiring Computer Science students in Noida, evaluating JIIT Noida, Thapar Institute, Galgotia College, and GL Bajaj requires weighing five key aspects: placement record, quality of faculty, campus infrastructure, curriculum relevance, and industry connections. Thapar Institute stands out for its consistently high placement rates—83% to 96% over the past three years—and hosts over 330 recruiters annually, including marquee industry names, which strengthens employability. Its 250-acre campus features cutting-edge laboratories, comprehensive academic resources, and a distinctly research-driven environment, supported by experienced faculty and a curriculum aligned with global standards. JIIT Noida maintains a robust placement percentage of around 91-94% for its CS branch, with 260+ recruiters and a proactive Placement and Training Cell. The institute offers a modern campus with excellent hostels, IT infrastructure, and student support, contributing to strong academic engagement and practical exposure through industry tie-ups and workshops. GL Bajaj and Galgotia provide competitive but slightly lower placement rates—around 85% for GL Bajaj and 86%-90% for Galgotia in CSE. Both institutions offer substantial infrastructural amenities, modern teaching environments, and reasonable fees compared to Thapar, but faculty exposure and academic diversity are comparatively less pronounced. Importantly, GL Bajaj boasts up to 900 recruiters overall and industry-recognized pedagogical practices, while Galgotia is noted for fostering industry partnerships and hosting top MNCs, especially for internships. Cost varies substantially: Thapar's fees are notably higher, reflecting its national ranking, legacy, and facilities, whereas GL Bajaj and Galgotia are more economical, providing decent returns in terms of placements and overall experience. While all four colleges invest in curriculum development and maintain reasonable teaching standards, Thapar excels in advanced research and innovative learning modules, followed by JIIT's industry-integrated approach. Both institutes have garnered credible academic accolades and prominent NIRF rankings, underscoring their academic and reputational standing; Galgotia and GL Bajaj, though competitive regionally, are valued mostly for their practical focus and affordability.

RECOMMENDATION: For Computer Science, Thapar Institute leads for its overall educational pedigree, placement strength, and campus resources, followed closely by JIIT Noida given its strong Noida presence and high recruitment rates. GL Bajaj and Galgotia are solid, more budget-friendly alternatives for students prioritizing cost, but Thapar and JIIT remain preferable for maximizing professional outcomes and holistic academic development. All the BEST for a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9954 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 21, 2025Hindi
Money
present age 45 Year Like to retire in 2036 Family members : wife and 14year old son Having following assets: One home of 65 L PPF of 26L (will continue investment till 2036) Gold 20 L in gold (coins and SGB) Plots INR 14 lakh (4500sqft) Equit 6 lakh in equity (adding 10000 monthly till 2036) NPS 2.5 lakh (will add 50K annually till 2036) Sip in ETFs present 7.2 lakh invested in ETFs and will continue investing 50K monthly till 2036 Nippon Nifty BeES, ICICI Prudential Nifty Next 50, Motilal Oswal Nasdaq 100, Motilal Oswal Midcap 150, ICICI Nifty India Consumption ETF, SBI PSU Bank ETF, and ICICI Infra ETF, with a 10% annual step-up. Our current monthly household expenses are around INR 40,000 Having 50L term insurance and 5L group medical insurance for family
Ans: You have built a very structured and balanced portfolio. Your commitment to disciplined investing deserves appreciation. You are consistently investing across asset classes with a long-term view. That gives you a strong foundation for financial freedom in 2036.

Now, let’s analyse each component step by step.

Let us create a 360-degree plan to improve safety, growth, and retirement readiness.

? Home Property Assessment

– Your house worth Rs. 65 lakh is a consumption asset.
– It provides stability but doesn’t generate income.
– Don’t treat it as a retirement asset.
– It should not be part of your retirement corpus plan.
– Ensure proper insurance for the house.
– That protects from damage and liability.

? PPF Contributions Till 2036

– Your PPF corpus of Rs. 26 lakh is a strong pillar.
– Continued contributions till 2036 is wise.
– It gives assured, tax-free returns.
– It also gives liquidity after maturity.
– Use this corpus as a cushion post-retirement.
– Use it only for unavoidable or health-related needs.
– Keep it intact for longer to earn interest.
– Don’t withdraw unless necessary.

? Gold Holdings – Coins and SGBs

– Rs. 20 lakh in gold is a sizable holding.
– If mostly SGB, it is earning interest.
– If mostly coins, it does not earn anything.
– Keep SGBs till maturity for 2.5% annual interest.
– Do not increase allocation further to gold.
– It is not productive and fluctuates.
– No inflation-beating power over 15 years.
– Cap gold at around 10–15% of total assets.
– Avoid more gold investments going forward.

? Plot Worth Rs. 14 Lakh

– This is not a retirement-ready asset.
– Plots do not give regular income.
– It needs time to sell and legal clarity.
– Future sale value is uncertain.
– Consider selling in future and shifting to mutual funds.
– That will make your money work.
– Don’t count this plot in your retirement corpus.

? Equity Mutual Fund Investment

– Rs. 6 lakh equity investment with Rs. 10,000 monthly SIP is a good approach.
– Keep this SIP running consistently till 2036.
– This investment will grow well over time.
– Ensure allocation is spread across large, mid, and flexi-cap funds.
– Actively managed funds do better than ETFs long term.
– They adjust based on market trends.
– Choose regular funds through an MFD guided by a Certified Financial Planner.
– Avoid direct mutual funds.
– Direct funds don’t give personalised service or portfolio reviews.
– Regular funds offer advice and handholding from experts.

? NPS Annual Investment

– You have Rs. 2.5 lakh in NPS.
– You are adding Rs. 50,000 annually.
– This is tax-efficient.
– But 60% maturity proceeds are taxable.
– And 40% goes into annuity which gives low returns.
– NPS is locked till 60.
– Keep your contribution limited.
– Don't use NPS as your main retirement plan.
– Use it only as a small portion of your retirement asset mix.

? Current ETF Investments – Areas of Concern

– You have invested Rs. 7.2 lakh in ETFs.
– Investing Rs. 50,000 monthly in ETFs with a 10% step-up sounds aggressive.
– These include Nifty, Next 50, Midcap, Nasdaq 100, Infra, PSU Bank, Consumption.
– Many are high-risk sector-specific ETFs.
– This exposes you to concentration risk.
– ETFs don't have fund managers who adjust holdings.
– They mirror index, even if stocks underperform.
– In falling markets, ETFs fall fully.
– No cushion or downside protection.
– In long term, actively managed mutual funds have better performance.
– They manage market conditions better.
– Fund managers book profits, rebalance sectors.
– ETFs lack this human advantage.
– You are also missing asset allocation flexibility.
– Consider shifting to regular mutual funds.
– Choose diversified equity funds with a professional planner.
– Reduce reliance on index investing.

? Insurance Coverage – Needs Reassessment

– You have a Rs. 50 lakh term cover.
– You have Rs. 5 lakh group medical cover for family.
– This is not enough.
– At your stage, Rs. 1.5 crore term cover is ideal.
– It should cover 10 to 12 times your annual income.
– Group health insurance is not portable.
– It ends when you leave your job.
– Buy a personal floater health policy for family.
– At least Rs. 15 lakh cover with Rs. 5 lakh top-up.
– That protects your savings in medical emergencies.
– Don’t ignore insurance gaps.

? Monthly Expenses and Retirement Corpus

– Your current household expense is Rs. 40,000.
– In 11 years, it can double with inflation.
– After retirement, you need income for at least 25 years.
– You will need Rs. 1 crore to Rs. 1.5 crore at retirement.
– This depends on inflation and lifestyle.
– Your current SIPs, PPF, equity MF, and gold can help.
– But ETF-heavy portfolio is risky for retirement.
– Mutual funds with rebalancing and planning are more suitable.
– Retirement should not depend on market-linked passive funds.
– Safety and predictability matter more after retirement.

? Key Actionable Steps

– Stop further gold and ETF investments.
– Sell the plot after proper evaluation and reinvest in mutual funds.
– Increase term insurance cover to at least Rs. 1.5 crore.
– Start a separate family health insurance plan of Rs. 15–20 lakh.
– Reduce NPS contribution and don’t treat it as your core plan.
– Shift your ETF SIPs gradually to actively managed mutual funds.
– Use regular funds through a certified MFD with guidance from a Certified Financial Planner.
– Stay invested consistently in equity mutual funds.
– Use multi-cap, flexi-cap, and hybrid funds for balance.
– Review asset allocation every year.
– Keep PPF till 2036, but don’t rely on it for regular income.
– Treat gold as safety buffer, not growth engine.
– Plan income withdrawal post-retirement carefully.
– Don’t withdraw all equity at once after retirement.
– Use Systematic Withdrawal Plan (SWP) from mutual funds.
– That helps you get monthly income with less tax.
– Plan one-time expenses like son’s education separately.
– Keep some money in liquid funds from age 55.
– Create a retirement bucket strategy – safety, moderate, and growth buckets.

? Final Insights

– You are already disciplined and structured.
– That gives you a great head start.
– But, ETFs and plots are not suitable for retirement income.
– Actively managed regular funds offer better control and stability.
– Medical emergencies can destroy savings.
– Don’t wait to fix health and term insurance.
– Reduce exposure to passive and risky assets.
– Build a mutual fund-based plan with periodic review.
– Secure your family first, then focus on wealth.
– Don’t chase returns alone.
– Plan safety, growth, and income together.
– Use a Certified Financial Planner to customise the plan.
– With right steps, your 2036 retirement is absolutely achievable.
– Retirement is not a finish line.
– It is a new beginning.
– Plan it like a second life, not an ending.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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