Hello Sir, I am 39 years old, married and have 10 years old daughter. I work in a BPO (Risk and Compliance Department) since I was 23. Since I was not ambitious during my college days and till now I have no goals, no aim, no passion, the current job I find it very boring. I am stucked at an Analyst level since last 17 years. Also, with lot of family issues at my home, my mind does not work openly and have stucked in the comfort zone. I am a hard working person but not smart working. My wife is a housewife and have no other income other than my job. I want to grow, do lots of hard working but due to lack of self confidence, I always have a fear to get at TL or Manager level. Also, I am not sure which industry I have interest in. It is only since 17 years, I am doing this job, I tell everybody that I am from a BPO sector. But I really want to earn more so that I can fulfill my family needs but please help me in which direction I should go and Howww? I know at the age of 40, I cannot start working in a new sector with no prior experience but really is it too late to change the sector? and if no, Please suggest me any industry where I can start from scratch, learn new things and can work with great interest and can grow myself.

Ans: Your first time qualifying your Class 12 (or equivalent) exam determines your eligibility window for JEE Advanced, and simply repeating the 12th later (via the NIOS or any other board) may not reset that window. Why are you running behind the JEE without any reason after a gap of years? It is better to take admission in any private engineering college in a preferred branch to save time and money. The final decision will be yours.

Good luck.
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Radheshyam

Ans: You are already on the right course to providing for your corpus for proposed retirement at your age 55. However you also need to provide for future marriages of your daughter & son, say at their age 25 i.e. after 11 years and 17 years respectively. Current cost of marriage of say Rs 25L may go-up at assumed inflation rate of 8% to Rs 58.29L & Rs 92.50L in 11 & 17 Years. At assumed ROI of 13% Equity MF SIP shall be required of Rs 16.5K, Rs 13.5K per month which will continue even after your proposed retirement age of 55. Additionally there seems to be scope for 70K PM Equity MF SIP for next 5 Years. On vacant flat you can assume rental income of say 35K per month. It is also assumed that investment in Sukanya Samriddhi will continue till her Marriage and shall be utilised for daughter's marriage expenses.

However with respect to your retirement plan at Age 55 years, at conservative return of 6% from annuity funds and rental incomes net of continuing MF SIP of Rs 30K, it is expected to generate around Rs 1 L PM at your age 55. Hence it is suggested not to retire by 55 as being proposed. Also please note that returns on MF, NPS & Direct Equities are linked to market performance and very volatile and are also subject to market, Interest rate risks etc. It is suggested to contact a Certified Financial Planner and/or Certified Financial Advisor for charting your path to retire peacefully. Goodluck.

Purshotam, CFP®, MBA, CAIIB, FIII
Certified Financial Planner
Insurance advisor
www.finphoenixinvest.com

Ans: Dear Mr. D. Thank you for your query. I would suggest to continue your Physiotherapy as per Doctor Advise. Further to this, keep on doing strengthening exercises for the shoulder this will help for increasing strength, Range of Motion and relief of pain. You can also request doctor if some modalities can be used for relief of pain

Ans: Dear Sir/Madam,

If you are planning to move 50% of your ?10 lakh NRI Fixed Deposit into mutual fund options, please note that you can definitely access the money during emergencies, provided you select the correct categories designed for high liquidity and low risk.

1. Can Mutual Fund Money Be Used During Emergencies?

Yes — if you invest in the right categories.

Categories suitable for emergency access:

? Liquid Funds
? Money Market Funds
? Ultra Short Duration Funds

These categories generally offer T+0 to T+1 liquidity (same day or next working day), have no lock-in period, and maintain low risk compared to equity-oriented investments.

2. Recommended Allocation (NRI – Balanced & Safe Plan)

Since you already have ?10 lakh in a fixed deposit, retaining ?5 lakh there provides stability and assured interest. The remaining ?5 lakh can be allocated to mutual fund categories that offer both liquidity and growth potential. By placing a portion in liquid or money market categories, you ensure instant access for emergencies, while the rest can be allocated to a moderate-risk hybrid category to give you long-term growth without compromising safety. This balanced approach helps you maintain emergency readiness, reduce risk, and potentially earn better returns than keeping the full amount in FD.

3. Option A: If You Want Emergency Access + Low Risk

(For the 50% amount you wish to shift)

Consider investing in categories such as:

Liquid Fund category

Money Market Fund category

Ultra Short Duration Fund category

These categories are suitable for short-term parking, emergency funds, and low-volatility needs.

4. Option B: If You Want Some Growth Along With Safety

From the ?5 lakh planned for mutual fund investment:

?3 lakh can be placed in liquid or money market categories for emergency and safety

?2 lakh may be placed in a Hybrid/Balanced Advantage category for steady growth with controlled risk

5. Tax Notes for NRIs

Debt-oriented categories: Taxed at 20% with indexation after 3 years

Equity-oriented categories: 10% LTCG above ?1 lakh

Some AMCs deduct TDS for NRIs depending on NRE/NRO mode and investment type
Disclaimer / Guidance:
The above analysis is generic in nature and based on limited data shared. For accurate projections — including inflation, tax implications, pension structure, and education cost escalation — it is strongly advised to consult a qualified QPFP/CFP or Mutual Fund Distributor (MFD). They can help prepare a comprehensive retirement and goal-based cash flow plan tailored to your unique situation.
Financial planning is not only about returns; it’s about ensuring peace of mind and aligning your money with life goals. A professional planner can help you design a safe, efficient, and realistic roadmap toward your ideal retirement.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Ans: Listen to your parents, if they know you very well. If IIIT Kalyani feels toxic and Techno India offers you a fresh start with better peace of mind, then you should leave and join Techno India. Suggesting to restart at a new location with new premises and friends to get out of the situation and rebuild the lost confidence.

Good luck.
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Radheshyam

Ans: please connect to Kfintech for the right data as there is less data available with us. Kfintech are the registrar, and they will share you the right answer.

Ans: Nita, Choose CSE with AI Engineering specialization if you possess genuine passion for artificial intelligence, machine learning, data science, and intelligent systems development, have strong mathematical aptitude, seek entry into India's highest-growth technology sector with premium salary prospects, and commit to continuous specialization deepening through certifications and advanced learning. This path positions graduates optimally for future-focused roles as AI's market penetration accelerates across healthcare, finance, e-commerce, autonomous systems, and enterprise automation. Conversely, select CSE core if you prefer comprehensive technology foundation, value maximum career flexibility across diverse computing domains, remain uncertain about long-term specialization commitment, or seek broader employment options spanning traditional software development, systems architecture, cloud infrastructure, full-stack engineering, and emerging technologies beyond AI. Both options guarantee excellent VIT institutional support, placement assistance, and career success potential—the optimal choice fundamentally aligns with individual career aspirations, learning preferences, and technical interests rather than categorical superiority. All the BEST for Your Prosperous Future!

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Ans: No, you are not eligible for MBBS admission because your Class 12 PCB subjects must be from the same recognized board taken in one sitting. Having Biology from NIOS separately makes you ineligible under the current NEET eligibility rules for the general category. It is advisable to have a single marksheet from any one recognized board to get admission to MBBS if you meet the required cutoff score in NEET 2026.

Good luck.
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Radheshyam

Ans: Hi,

You can choose to invest in a large cap fund for additional 5000 monthly SIP for your son in addition to existing SIP.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/