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Sushil Sukhwani |567 Answers |Ask -Follow

Study Abroad Expert - Answered on Apr 22, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more

Asked by Anonymous - Apr 18, 2024Hindi

Career

Hello sir.... I'm have completed cbse from 12th. I'm not sure what to pursue in future but I want to continue further studies in abroad. I come from a defence backgroundnso can u suggest which country would he best right now

Ans: Hello. First and foremost, thank you for contacting us. It is amazing to hear about your defence background and your willingness to study abroad. You can choose to pursue your studies in your field of choice in the USA, UK, Canada, New Zealand, Germany, or Australia. Also, it is advised to let us know your field of choice. Based on your field of choice, we assure you that you will get the best guidance from us.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

You may like to see similar questions and answers below

Sushil Sukhwani |567 Answers |Ask -Follow

Study Abroad Expert - Answered on Mar 01, 2024

Asked by Anonymous - Mar 01, 2024Hindi

Career

Finish my graduation on Bsc CS what to nxt study here masters or go abroad for further studies

Ans: Hello. First of all, thank you for contacting us. Deciding to pursue a master's is definitely a good option. If you are planning to pursue your master’s degree already, here are some considerations you need to keep in mind:

Career goals: When you are deciding on the degree program, make sure that the host country offers better work opportunities than the local degree.

Quality of education: Research about the program at both the national and international levels. Consider benefits, reputation, facilities, curriculum, and its relevance to your aspirations and future goals.

Cost of education: Find out the overall cost of studying your desired program, including the living expenses for both local and foreign universities.

Future goals: Research the program to see if it aligns with your future goals or not.
Personal preferences: Look upon personal preferences regarding living abroad, climate suitability, adapting to a new environment, etc.

Work opportunities: If you are planning to study abroad, it is necessary for you to consider the immigration policies and post-study work opportunities of the host country.

For further assistance you can get in touch with us.

Mayank Chandel |1963 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 22, 2024

Question by Eshan - Jun 16, 2024Hindi

Career

I have got 3475 rank in comedk and 90 percentile in jee mains. I may get CSE in dsce college and ece in bms which should I prefer for future opportunities. Should I also for abroad and if yes which university should I look for. Please suggest ????

Ans: Hi Eshan
if CSE is the first pref then dsce, BMS & DSCE both are good.

Patrick Dsouza |936 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 24, 2024

Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

Patrick Dsouza |936 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 24, 2024

Question by ANIRBAN - Jun 23, 2024Hindi

Career

Hello sir , I recently graduated from IIT MADRAS in BS Data Science . Now Should i go to pursue masters from foreign universities in current situation , when few people are saying there is no job in foreign . I want pursue masters in AI /Data science domain.IIT madras has Joint msc in data science & ai with university of birmingham. I also have germany in my mind as it has lower tution fees. other coutries will be usa , ireland ( as most of the tech comapnies has their eu headquaters in ireland ), australia . Or should I study in india while doing job and up skilling myself . Please help me to choose a right carreer path for my future , also money is a probem . Should I gain some work experience then apply for the universities . I have 8.97 cgpa , 3 research internships , 2 industry internships .

Ans: One way to look at it is see where you see yourself in next 5 to 10 years. If you want to go abroad, then it makes sense to look for doing post graduation abroad, Europe could be cheaper than US if money is a constraint. If you want to settle in India in the future then can take up a job and upskill yourself.

Latest Questions

Milind Vadjikar |864 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Rakesh - Jan 16, 2025Hindi

Money

What is the best plan for investing Rs 40 lakh for regular post retirement income.

Ans: Hello;

A mix of POMIS(15 L; jointly) and SCSS(25 L) would be good.

If quarterly interest payments of SCSS is an issue then an FD with a Govt bank or a very big private bank paying monthly interest is also okay.

Immediate annuity from a life insurance company could also be a decent option because it provides regular income for longer periods with option of joint(both husband and wife) annuity for life with return of purchase price to the nominee, after them.

Best wishes;

Milind Vadjikar |864 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Money

Hello Advait, hope you are doing well. Can we invest now in relaxo at 577 level.

Ans: Hello;

Outlook for Relaxo in the short to medium term looks muted due to intense competition from the unorganised sector hence pressure on sales as well as margins.

Therefore my view would be to explore better options.

Alternatively you may also seek a advice on this stock from a sebi registered research analyst.

Happy Investing;

Ravi Mittal |505 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Relationship

I am 31 years old and have been married for 6 years. My relatives keep pressuring me and scaring me, saying that I haven’t had a child yet and that I should have one now. However, we are not financially prepared at the moment. We have just bought a house, and the loans have recently started, which exhausted all our savings for the down payment. My husband’s family had a very weak financial background. They had nothing, and he struggled a lot, even living in someone else’s house to complete his education. Only he knows how hard it was. Now, his salary has improved, and I am also employed. Additionally, we are entirely responsible for my in-laws, as my husband’s elder brother neither got married nor provides any support for the parents. We are under a lot of pressure right now, but everyone just keeps asking us when we are going to have a child. I’ve seen how my husband struggled with limited finances when the family was financially weak, and I don’t want to show such hardships to our children. On top of that, I am overweight and focused on losing weight to ensure I can be healthy. I feel very stressed and confused, but my husband is fully supportive of me.

Ans: Dear Anonymous,
First of all, I am really glad that you are being so responsible and practical, rather than making such life-changing decisions based on emotions alone. Second, don't worry about other's opinions; they might have your best interest at heart, but this should be solely your decision. You should have a child only when you are ready to have one- both mentally, physically, and financially. And no hard and fast rule says you should have a child within a certain year of your marriage. Two people in a marriage is a whole family too; a child can add to the joy if that is what you want. But if not, your family is still complete. Please remember that.

Take care of your health and your mind. If you are worried about your age, you can always go see a doctor and see how many years you can delay this. Rushing is never a good idea.

Best Wishes.

Milind Vadjikar |864 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Baldev - Jan 16, 2025Hindi

Money

Sir I have Jeeva saral policy which is about to nearing its maturity in July 2025. I paid it's premium regularly by quarterly mode of payment from last 16 years. How much benefit l will get.

Ans: Hello;

You may expect a XIRR of 5.5-6% or even lower on premiums invested in this policy.

If you get better then this it would be great.

Best wishes;

Samraat Jadhav |2170 Answers |Ask -Follow

Stock Market Expert - Answered on Jan 16, 2025

Question by Rajesh - Dec 19, 2024Hindi

Money

hi can i invest 5 lakhs in IRFC @ current price and leave it to grow for next 5 to 6 years. Will this fetch me atleast 5X retruns. is the stock fundamentally stable and potential?

Ans: 5x expectation is too much, please be reasonable. Its trading at high PE now and future growth could be impacted on lot of parameters. If you are expecting anything between 8-12% yearly, then its reasonable.

Radheshyam Zanwar |1144 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Career

I'm a bsc botany graduate and now got admission and doing msc. I'm in first year and just gave my 1st semester exam but somehow now i feel i can't do botany at all its not just in my interest. I can't continue further with it as i dont think there's much scope too. I have interest in fields like geography or law related subjects. I'll be attempting for upsc too this year and also had a second thought to go for Law. Should i drop the msc? ....I've cried a lot thinking about that and its affecting my mental health too.

Ans: Hello dear.
First I would like to suggest that, in any way, you first complete your M.Sc. (Botnay) either with interest or without interest. Who told you that there is less scope in Botany? There are a lot of career options after M.Sc. (Botany).It is good that you are interested in geography and are attempting UPSC this year. Dear, along with your M.Sc. you can easily appear for UPSC and do the study of Geography, after completing your M.Sc. you can take the admission to Law course. Many people do the law even after their retirement or in due course of their service. There is no need to cry about the things which happened to you.
Suggestions: (1) Completer M.Sc. (Botany) by any means (2) Space-time to read Geography and UPSC Syllabus (3) Develop your overall personality and try to engage in some extracurricular activities of your interest.
Best of luck for your upcoming bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Milind Vadjikar |864 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by arpit - Jan 14, 2025Hindi

Money

Hi, I am a new investor 41 yrs old, so far10L invested in various MF categories. Here are list of investments through SIP’sand lumpsum: 20K in Nippon Large Cap, 15K in Quant Mid cap 15K in ICICI Pru multi asset 15K in Parag Parekh flexi cap 15K in Edleweiss small cap 1L lumpsum in Motilal Oswal mid small Healthcare index fund 2L lumpsum in ICICI Pru all season bond fund 12.5K/month in PPF Can I achieve my retirement goals, both child education (9 yrs old & 5 months old), marriage etc. and is there a need to balance my portfolio. Also is there any need me to consider in other investments options.

Ans: Hello;

Your current lumpsum and monthly investment into mutual funds may be adequate to meet the education and marriage requirement of your kids. (~2 Cr)

Apart from that it may provide a retirement corpus (~5 Cr).

If you have a female kid invest in SSY(12.5 K per month) since the interest is more then PPF and other benefits are similar only with different withdrawal stage.

Also you may supplement your retirement planning through NPS (~20 K per month).

Review performance of your funds annually with reference to the category average and benchmark.

Happy Investing;
X: @mars_invest

Milind Vadjikar |864 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

Happy Investing;
X: @mars_invest

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by vikas - Jan 15, 2025Hindi

Career

Hello sir I am working in psb as an officer and want to switch but too confuse...

Ans: First tell me why you want to switch over to other organization? Then I can guide you. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by Heman - Jan 01, 2025Hindi

Career

Sir, Happy new year 2025, how much SAT score required to get ICT or MnC branch in DA-IICT, for NRI student?

Ans: To be admitted in the (ICT) or (MnC) branches at DAIICT as an NRI student, you need a minimum SAT score of 1068 as per the previous record. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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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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