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Geeta

Geeta Ratra  |125 Answers  |Ask -

Visas, Study Abroad Expert - Answered on Mar 01, 2023

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Uma Question by Uma on Mar 01, 2023Hindi
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Hello Mam, I am 49 turning to be 50 in June, is there is any scope for me to go abroad on startup visa or study visa or PR and will I be able to get PR.

Ans: Hello Uma
Yes you can apply for Canadian PR under Start up visa category.
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R P

R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Dec 29, 2023

Asked by Anonymous - Dec 29, 2023Hindi
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I am 40 years old and earning 60 lakhs pa in India. I am working as software consultant. my wife wants to migrate to abroad but I am not sure what are my optiobs at this age. kindly suggest which countries I can look for PR .
Ans: Based on your profession, experience, and salary, you have several options to consider for permanent residency. Here are some countries that are popular among software consultants:

Canada: Canada is a great destination for software consultants as it offers a dynamic workforce, high safety, and world-class free public healthcare. The country’s average pay grade or rather median salary for software developers is also quite remarkable. You can apply for permanent residency through the Express Entry program1.

USA: The US is a dreamland for technologists from across the world. The country attracts students, techies, innovators, entrepreneurs, and business leaders from across the globe. US-based companies are always one step ahead in hiring talented tech professionals from every country. To work in the US, you will need the H-1B visa, which is in high demand right now as the restrictions have been lifted by the US government2.

Japan: Japan has been instrumental in the growth of the global tech industry for more than 6 decades. It is considered one of the wealthiest nations across the globe. Techies from mechanical, chemical, data, electrical, chemical, AI domains can find plenty of high-paying jobs in Japan. So, if you are a software professional from India, Japan can be a great place for you to work2.

Switzerland: Switzerland is known for its high standard of living, excellent healthcare, and education systems. The country has a thriving economy and is home to many multinational companies. The Swiss government offers a range of visa options for skilled workers, including the EU Blue Card2.

Germany: Germany is a great destination for software consultants as it offers a dynamic workforce, high safety, and world-class free public healthcare. The country’s average pay grade or rather median salary for software developers is also quite remarkable. You can apply for permanent residency through the EU Blue Card2.

I hope this helps you make an informed decision. Please note that the immigration policies of each country are subject to change, so it’s best to check the latest updates before making any decisions.
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R P Yadav  |304 Answers  |Ask -

HR, Workspace Expert - Answered on Jan 18, 2024

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I am 56 years old and work as Healthcare management Consultant in a reputed software firm. Has about 30 years of experience in this space. We want to migrate to abroad. I am not sure about the options to do so. I have a few questions - Is it possible to migrate at this age?, What are the countries in which i can continue to work?. Would like to work in a healthcare management consulting firm?. Appreciate your quick reply.
Ans: Thank you for sharing your background and questions. I will do my best to provide you with helpful information.

Firstly, it is possible to migrate to another country at any age, including 56 years old. However, the process and requirements may vary depending on the country you are interested in. Some countries may have age restrictions for certain types of visas or work permits, while others may not. It is best to research the specific country you are interested in and consult with a qualified immigration lawyer or consultant to understand the requirements and process.

Regarding your second question, there are many countries where you can continue to work as a healthcare management consultant. Some of the top countries for healthcare consulting include the United States, the United Kingdom, Canada, Australia, and Singapor. However, there are many other countries that also have a demand for healthcare consultants, so it is worth researching the specific country you are interested in.

If you are interested in working for a healthcare management consulting firm, there are many options available. Some of the top healthcare consulting firms include Boston Consulting Group, ZS, L.E.K. Consulting, Bain & Company, ClearView Healthcare Partners, and IQVIA. These firms have a global presence and offer a range of services to clients in the healthcare industry.

I hope this information is helpful. If you have any further questions, please let me know.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 27, 2024Hindi
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Hello Sir, I am looking at imvesting around Rs.20,000 per month in SIP with good returns and overall balanced portfolio along with some us stock exposure (Parag Parikh kind of funds). Please provide your valuable suggest in which mutual funds should I invest or is ETF better option
Ans: When considering your investment strategy, actively managed funds can offer distinct advantages over ETFs. Actively managed funds are overseen by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to passively managed ETFs.

Furthermore, actively managed funds have the flexibility to adapt to changing market conditions and exploit emerging opportunities. Fund managers can adjust their portfolios in response to market trends, economic indicators, and company-specific developments, aiming to optimize returns while managing risk.

On the other hand, ETFs, while offering low expense ratios and broad market exposure, often deliver only mediocre returns. Since they passively track an index, ETFs are unable to take advantage of market inefficiencies or capitalize on undervalued securities in the same way actively managed funds can.

Considering your desire for balanced returns and exposure to US stocks akin to Parag Parikh-like funds, actively managed funds offer a more suitable option. They provide the potential for superior performance while aligning with your investment objectives and preferences. Working with a Certified Financial Planner can help you identify the most appropriate actively managed funds to include in your portfolio.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

Asked by Anonymous - Apr 28, 2024Hindi
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Hello, I am 25 years old. Due to personal reasons I invest in only 100% equity mutual funds that do not invest in banking stocks. Currently I am investing in 3 mutual funds: Nippon India Power & Infra direct growth, Taurus Ethical fund and Tata Ethical fund. I have set Tata ethical fund aside as a retirement fund. Can you suggest where can I invest more (sectoral mfs or gold etf etc.)to correctly diversify my portfolio.
Ans: Given your current allocation to 100% equity mutual funds without exposure to banking stocks, let's explore other avenues for diversification while respecting your investment preferences.

One option is to consider adding a component of debt instruments to your portfolio. Debt mutual funds can provide stability and income generation, complementing the growth-oriented equity funds you're already invested in. Look for funds with high-quality debt securities and a track record of consistent returns.

Another avenue to explore is allocating a portion of your portfolio to gold. Gold ETFs or sovereign gold bonds can act as a hedge against inflation and currency fluctuations, diversifying your portfolio and reducing overall risk.

Additionally, you might consider increasing your exposure to international equities. Investing in global markets can provide access to a broader range of opportunities and reduce reliance on any single market or economy.

Ultimately, the key is to maintain a balanced portfolio that aligns with your risk tolerance and long-term financial goals. Consulting with a Certified Financial Planner can help you navigate these options and tailor a diversified investment strategy that suits your needs.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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I have a lumpsum amount of 20lakh to invest but have no idea how to invest to get a steady monthly income.
Ans: It's understandable to feel uncertain about how to make your lump sum work for you. As a Certified Financial Planner, I'm here to help navigate this journey with you. Have you considered the power of diversification?

Diversification is like spreading your bets across multiple horses in a race rather than putting all your money on just one. In the investment world, it means allocating your funds across different types of assets like stocks, bonds, and maybe even commodities or real estate investment trusts (REITs). This way, if one asset underperforms, others may compensate, reducing overall risk.

Active funds are managed by professional fund managers who actively research and select investments they believe will outperform the market. This active management can potentially lead to higher returns compared to simply tracking an index.

Regular funds, accessed through a Mutual Fund Distributor (MFD), provide a structured approach to investing. Your MFD can offer personalized advice and support, helping you navigate the complexities of the market and make informed decisions.

Ultimately, the goal is to create a portfolio that balances risk and reward, tailored to your unique circumstances and financial goals. Together with a Certified Financial Planner and your MFD, we can design a strategy that aims to provide you with a steady monthly income while safeguarding your financial future.
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Ramalingam

Ramalingam Kalirajan  |939 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 29, 2024

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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