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Krishna

Krishna Kumar  |398 Answers  |Ask -

Workplace Expert - Answered on May 16, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more
Tanmaya Question by Tanmaya on Apr 26, 2024Hindi
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Career

I haven't received my salary yet what should i do?

Ans: Dear Tanmaya

Kindly approach your HR and your manager, write a formal email to them post your meeting. See what they have to say.

All the best.
Career

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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Feb 23, 2024

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i served education institute as approved Asso Professor. superannuated before 2 years but no gratuity is paid.what next?
Ans: If you have superannuated from an educational institute and have not received your gratuity even after two years, you should take the following steps:

Check Employment Contract or Policy:

Review your employment contract or the institute's policy to understand the terms and conditions regarding gratuity. It should outline the eligibility criteria and the process for payment.
Contact HR or Administration:

Reach out to the Human Resources (HR) department or administration of the educational institute. Inquire about the status of your gratuity and seek clarification on any delays.
Written Communication:

If verbal communication does not yield results, send a written communication (email or letter) to the HR department, clearly stating the issue, mentioning your superannuation date, and seeking information on the status of your gratuity.
Gather Documentation:

Ensure you have all the necessary documentation related to your employment, superannuation, and gratuity. This may include appointment letters, salary slips, and any other relevant records.
Legal Consultation:

If your attempts to resolve the issue internally are unsuccessful, consider seeking legal advice. Consult with a lawyer who specializes in labor or employment law to understand your rights and options.
Labor Department Complaint:

In some jurisdictions, labor departments or government authorities handle labor-related disputes. You may file a complaint with the appropriate labor department or ombudsman, providing details of the non-payment of gratuity.
Employee Welfare Associations:

If applicable, involve any employee welfare or union representatives who may assist in addressing the issue.
Mediation or Conciliation:

Some jurisdictions have mediation or conciliation services to resolve employment-related disputes. Explore these options as an alternative to legal action.
Legal Action:

If all else fails, you may need to consider legal action to claim your gratuity. Your lawyer can guide you on the appropriate legal steps to take in your jurisdiction.
It's crucial to act promptly and keep records of all communication related to the non-payment of gratuity. The specific steps and options available to you may vary depending on the labor laws in your country or region. Consulting with a legal professional familiar with local employment laws is advisable to ensure you take the most appropriate course of action.

..Read more

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Career Counsellor - Answered on Apr 27, 2026

Asked by Anonymous - Apr 26, 2026Hindi
Ramalingam

Ramalingam Kalirajan  |11157 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2026

Money
I am in SWP segments drawing from my corpus. I understand that SWP is fixed amount but when years go required amount should also go, so can set SWP in units instead of SWP in amount Please guide
Ans: You are thinking in the right direction. Your understanding is practical. Income should grow with time, not stay flat. That is a very important insight.

» Understanding SWP – Amount vs Units

SWP in fixed amount means you withdraw same Rs value every month
SWP in units means you redeem a fixed number of units

Reality:

Mutual fund platforms mainly allow SWP in amount, not in units
So unit-based SWP is not a standard option

» Challenge with Fixed Amount SWP

Your expenses will increase due to inflation
But SWP amount remains constant unless you change it

Result:

Your real income reduces over time
Purchasing power goes down

» Why SWP in Units is Not Ideal Anyway
Even if it was available:

Market goes up → you withdraw more money than needed
Market goes down → you withdraw less money when you need more

So income becomes unpredictable
This is not suitable for regular expenses

» Better Approach – Step-up SWP Strategy
Instead of units, follow this:

Start SWP with a comfortable amount
Increase SWP every year by 5% to 7%
This matches inflation and lifestyle increase

Example approach:

Year 1: Rs X per month
Year 2: Rs X + 5%
Year 3: Rs X + 5%

This gives:

Stability
Growth in income
Better control

» Bucket Strategy – More Stability
Divide your corpus into 3 parts:

Short-term (0–3 years expenses)
Keep in low-risk or liquid funds
Use this for SWP
Medium-term (3–7 years)
Balanced funds
Long-term (7+ years)
Equity funds

How it helps:

You don’t depend on market timing
You avoid selling equity in bad markets
Your income becomes stable

» Practical Execution

Run SWP only from short-term bucket
Refill this bucket once a year from other buckets
Review SWP amount annually and increase

» Tax Efficiency Insight

SWP is tax-efficient
Only capital gain portion is taxed
Long-term equity gains above Rs 1.25 lakh taxed at 12.5%
So gradual withdrawal is better than lump sum

» Finally

SWP in units is not required and not practical
Fixed SWP with annual increase is the right method
Use bucket strategy to protect income
Review once a year, not too frequently

This way, your income will grow, remain stable, and last longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...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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