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Rohit

Rohit Gupta  | Answer  |Ask -

Edtech/Online Education Expert - Answered on Feb 19, 2024

Rohit Gupta is the co-founder and COO of College Vidya, a one-stop solution for making informed online education choices.
Rohit is a first-generation entrepreneur who currently leads the company’s marketing and operations department.
A TEDx speaker, he was honoured with the ET Leadership Excellence Award 2022 for his effort in helping shape the lives of over 90,000 students through his platform.
Rohit is passionate about the potential of online education and is on a mission to democratise access to quality education and career opportunities.
He completed his schooling from Scholars Home in Dehradun and holds a bachelor’s degree in commerce from Deshbandhu College, Delhi.
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Rajesh Question by Rajesh on Oct 04, 2023Hindi
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Career

Hello, Good afternoon. My son is studying B Tech in E & C in a reputed college. Now he is in 5th Sem and he could not score good marks in all 4 sems. He is a hard worker and very upset about his results. Now he is much worried about his career after graduation. Pls suggest what steps he should follow to do better in next 4 sems and courses he can do after B Tech in India and abroad to position himself for good jobs.

Ans: Hello, It makes sense that your son is upset about how he's doing in Btech, but it's important to tell him that mistakes are a normal part of learning. To do better over the next four semesters, he can do the following:

1. Tell him to think about how he did in the past and figure out what areas he needed to work on the most. This can help him focus his efforts on improving those areas.
2. Tell him to talk to his teachers or college advisors about getting help and advice. They can give him useful information and tools and help him do well in school.
3. Set reasonable goals for him, help him create an organized study schedule, and help him organize his work. Encourage him to use good study methods, like active learning, managing his time well, and going over things often.
4. Remind him to keep going and keep a good attitude. Tell him to focus on what he does well, make goals that he can reach, and enjoy the little wins along the way.

After getting his B.Tech., he can take any of the following studies, both in India and abroad:

1. He can pursue a Master's degree in engineering or a similar area to learn more and improve at what he does. Electronics and Communication Engineering, Embedded Systems, VLSI Design, and other fields are taught in many colleges through specific programs.
2. He can improve his skills and abilities by getting several online certifications that are important to his field. In the job market today, certifications in computer languages, networking, hacking, and so on can be useful.
3. Tell him to get real-world experience through study projects, internships, or working with others in the same field. This practical training can help him learn more in school and make him more marketable when he looks for a job.

He should also seek guidance from experienced career counsellors at College Vidya. These counsellors are experts at giving individualized help and support to students with trouble in education, careers, or seeking job advice. They can help your son figure out his strengths, interests, and future goals and give him useful information and tools to help him do well in Btech.

Your son can solve his academic problems and set himself up for success in his future job if he works hard, doesn't give up, and has the right people to help him.
Career

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Dr Karan

Dr Karan Gupta  | Answer  |Ask -

International Education Counsellor - Answered on Sep 30, 2025

Asked by Anonymous - Sep 13, 2025Hindi
Career
Hi, my son Susmit has passed his 12th Exam ( Science ) in 2025 with 90% marks from CBSE Board. He did score 97% in his 10th Exam from ICSE Board in 2023 as well. Now, he has taken an admission in St Xavier's College, Kolkata in B.Sc Computer Science & Research. This is 4 years course as per new National Educational Policy of the Central Government. After completion of this course he wants to pursue Masters either M Tech or M. Sc through GATE Exam or JEM Exam and he will choose his favorite topic on which he will do his PHD in abroad. This is his thought and plan. Now, I need your understanding from your expert opinion that whether is he on track or will you suggest something different what he thinks now! His ultimate aim to make and grow his career with computer science in product companies like Google, Facebook, Microsoft etc. Another thought is there in his mind to make his career in academic line like teaching in foreign universities like Stanford, Cambridge, Oxford etc. Now, looking for your valuable suggestions towards my son's career build....
Ans: He’s definitely on the right track. Getting into St. Xavier’s for Computer Science is a good start. If he maintains strong academics, builds good coding and research skills, and takes part in internships or projects, he’ll open doors to both product companies and higher studies.
For product companies like Google or Microsoft, practical skills, problem-solving ability, and internships will matter as much as marks. For an academic career, research exposure, publishing papers, and eventually a strong master’s and PhD will be key.
Right now, he doesn’t need to decide between industry and academics—both paths are still open. My advice would be: keep grades strong, learn programming beyond the syllabus, do research or internships every summer, and prepare step-by-step for GATE, JEM, or GRE depending on where he wants to apply later. This way, whether he chooses industry or teaching, he’ll be ready.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11150 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 21, 2026

Money
I am a 43 year old, have a dependend wife & 12 yr old daughter (7 STD). Earing 2.25 L per month. Monthly expenses 80k. No debts and staying in my own flat.& 1 more flat (earn rent Rs. 28 k monthly), 2 lac as emergency fund in savings. I invested 3 lakhs in equity stocks, 23 lakhs in MF lumpsum(Current Value 32 lacs), 18 lac in FD and 10 lac in NSC. Till date my PF is 36 lacs. I pay 80 k SIP monthly (investment value 19.50 lacs and market value 25 lac), PPF 1.50 lac p.a -Current value 9 lacs, NPS 1 lac p.a -Current value 6.5 lacs, SSY 1.5 lacs p.a.( Current value 9.5 lacs) and PPF for wife 1 lacs p.a (Current value 5.50 lacs) and PPF for daughter 50k p.a.from 2023( Current value 1.73 lac) Also Family medical insurance of 10 lacs.. and myself term insurance of 50 lakhs and LIC of 10 lakhs. Also I purchased LIC Child Money back of 10 lacs and SBI smart chap 5 lacs for my daughter education. I want to retire by 50's with the total corpus of 5 cr. Is it possible with above or increase investments??
Ans: You have built a very strong financial structure already at age 43. Your disciplined SIP of Rs 80,000 monthly, multiple long-term investments, rental income and debt-free lifestyle are powerful advantages for early retirement planning before 50s.

» Present Financial Strength Overview

– Monthly income Rs 2.25 lakh
– Monthly expense Rs 80,000
– Rental income Rs 28,000 monthly
– No liabilities
– Strong PF corpus Rs 36 lakh
– Mutual fund investments growing well
– Regular SIP Rs 80,000 monthly
– PPF contributions for self, wife and daughter
– SSY contribution for daughter
– NSC and FD holdings available

This is a very balanced portfolio structure.

» Retirement Target Rs 5 Crore by Age 50

Your goal is ambitious but achievable with disciplined continuation.

Positive factors supporting success:

– high monthly SIP already running
– strong PF accumulation ongoing
– additional rental income support
– low household expense ratio
– no debt burden

These are excellent strengths.

However, timeline is short (about 7 years).

So investment efficiency becomes very important.

» Emergency Fund Needs Improvement

Currently emergency fund is Rs 2 lakh.

Recommended level:

– minimum 6 to 12 months expenses
– should be around Rs 5 to 10 lakh range

Increase this gradually for safety.

» Role of Fixed Income Investments in Your Plan

Your portfolio includes:

– FD Rs 18 lakh
– NSC Rs 10 lakh
– multiple PPF accounts

These provide stability but lower growth compared to equity mutual funds.

For early retirement goal before 50:

– some portion of future investments should move towards growth assets
– continue existing safe investments but avoid increasing them further heavily

This improves corpus growth speed.

» Mutual Fund SIP Strength is the Key Driver

Your SIP of Rs 80,000 monthly is your biggest retirement engine.

To reach Rs 5 crore comfortably:

– increase SIP yearly when income increases
– even Rs 10,000 yearly increase helps strongly
– continue long-term discipline without interruption

This creates strong compounding impact.

» Review of Insurance Planning

Current protection:

– health insurance Rs 10 lakh
– term insurance Rs 50 lakh

Suggestions:

– increase health cover if possible
– term insurance ideally should be higher considering dependent wife and child

Protection planning strengthens retirement safety.

» Child Education Policies Review

You mentioned:

– child education insurance policies already taken

Generally these plans give lower returns compared to mutual funds.

Better approach after checking surrender values:

– consider partial surrender or paid-up option
– redirect future premium savings towards mutual fund SIP for education goal

This improves long-term growth.

» Rental Income Advantage in Retirement Planning

Rental income Rs 28,000 monthly is a strong support.

This helps:

– reduce retirement dependency on corpus
– provide inflation-adjusted support over time
– improve early retirement feasibility

Very useful strength in your case.

» Action Steps to Improve Probability of Rs 5 Crore Target

Simple improvements can help:

– increase emergency fund to safer level
– increase SIP gradually every year
– avoid increasing new fixed-return investments
– review child education insurance policies
– strengthen health insurance cover
– maintain investment discipline for next 7 years strictly

These steps improve goal achievement chances strongly.

» Finally

Based on your current savings rate, strong SIP discipline, rental income support and low expenses, reaching Rs 5 crore by your early 50s looks achievable. Increasing SIP gradually and improving protection planning will make this target more comfortable and realistic.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Ramalingam

Ramalingam Kalirajan  |11150 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 21, 2026

Asked by Anonymous - Apr 11, 2026Hindi
Money
Hi gurus...I am 33yr married female. I am making the following investments monthly 1. Sip of 17000pm 2. I invest in RD to be able to deposit in my ppf account ( trying to utilise full 1.5Lakh limit) 3. Every month my contribution ( including employer contribution ) to NPS is 9670pm Since my spouse is working in pvt sector, I would like to accumulate retirement money required to lead post retirement withdrawing 1.5 lakh monthly. Also, I will need to withdraw 10-15 lakh for home buying (planning in 5-7 years), and kids education after 15-18 years requiring 20 lakhs Pls suggest if this investment plan is good for my goal or I need to make any tweaks to achieve my goals
Ans: You have already started retirement planning at age 33 and that is a very strong step. Also, you are investing regularly through SIP, PPF and NPS. This shows discipline and long-term thinking. With some adjustments, your goals can become more comfortable and achievable.
» Understanding Your Present Investment Structure
Your current monthly investments are:
– SIP investment Rs 17,000
– RD for PPF contribution up to Rs 1.5 lakh yearly
– NPS contribution (employee + employer) Rs 9,670 monthly
These three together create a solid base for retirement planning. But since you have multiple goals, allocation planning becomes important.
» Retirement Goal Requirement Reality
You want retirement income of about Rs 1.5 lakh per month.
Important points:
– retirement may be after 25 to 27 years
– inflation will increase expenses strongly
– future monthly need may be much higher than today’s value
– so retirement corpus requirement will be large
This means present SIP amount alone may not be enough over long term.
Increasing equity mutual fund exposure gradually is important.
» Home Purchase Goal in 5 to 7 Years
You plan to withdraw Rs 10 to 15 lakh for house purchase.
Current approach:
– RD supporting PPF contribution is safe
– but PPF has long lock-in period
– withdrawal flexibility is limited
Better approach:
– create a separate mutual fund investment bucket for house goal
– choose balanced allocation between safety and growth
– avoid depending only on PPF for this goal
This improves liquidity and timing comfort.
» Children Education Goal After 15 to 18 Years
Education goal of Rs 20 lakh today will increase in future.
So planning should include:
– growth-oriented mutual fund investments
– long-term SIP increase gradually
– separate goal-based investment tracking
This will help you reach education target without disturbing retirement savings.
» Role of NPS in Your Retirement Planning
NPS contribution of Rs 9,670 monthly including employer share is a strong advantage.
Benefits:
– long-term disciplined retirement saving
– tax efficiency support
– employer contribution adds extra strength
Continue this without interruption.
» Importance of Increasing SIP Every Year
Your retirement success depends mainly on equity exposure.
Recommended action:
– increase SIP amount every year with salary increase
– even small yearly increase creates big future impact
– goal-based SIP planning gives better clarity
This improves retirement confidence.
» Need for Emergency Fund Planning
Before increasing investments further, check:
– minimum 6 months household expense reserve
– kept in safe liquid investment
– separate from long-term goals
This protects your financial plan during unexpected situations.
» Simple Allocation Improvement Strategy
For stronger goal achievement:
– continue NPS contribution
– continue PPF contribution for safety portion
– increase SIP gradually for retirement goal
– create separate SIP for house purchase goal
– create separate SIP for children education goal
Goal separation improves clarity and success rate.
» Finally
Your current investment plan is a strong starting structure. But to achieve retirement income of Rs 1.5 lakh monthly along with house purchase and children education goals, increasing SIP gradually and creating separate investments for each goal will make your plan much stronger and safer.
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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