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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Apr 22, 2024

R P Yadav is the founder, chairman and managing director of Genius Consultants Limited, a 30-year-old human resources solutions company.
Over the years, he has been the recipient of numerous awards including the Lifetime Achievement Award from World HR Congress and HR Person Of The Year from Public Relations Council of India.
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Hema Question by Hema on Apr 20, 2024Hindi
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Career

Hello Sir.Currently I am pursuing masters in biotechnology .I am interested in molecular diagnosis in medical field .Please guide me in respect with job vacancy and scope and other internships . Thanks

Ans: Hi,
Molecular diagnosis in medical field has a huge prospect. Position is available both in the private as well as govt hospital in India and Abroad. You can do the internship through the institute where you have done the course.
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Shekhar

Shekhar Kumar  | Answer  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Career
I am persuing master's in Biotechnology and it should be completed in may , where should i can get a job and what are the steps to address a job
Ans: Completing a master's degree in biotechnology opens up various job opportunities in fields such as pharmaceuticals, biotechnology, healthcare, research institutions, academia, and government agencies. Here are some steps to help you find a job after completing your master's in biotechnology. First, determine the specific areas within biotechnology that interest you the most, such as drug discovery, molecular biology, genetic engineering, bioinformatics, or clinical research. Clarifying your career goals will help you target relevant job opportunities. Explore companies, research institutions, universities, hospitals, and government agencies that hire biotechnology professionals. Look for organizations that align with your interests, values, and career aspirations. Network with professionals in the biotechnology industry through online platforms like LinkedIn, professional associations, industry events, seminars, and career fairs. Networking can help you learn about job openings, connect with potential employers, and gather insights into the industry. Tailor your resume and LinkedIn profile to highlight your education, research experience, technical skills, and relevant accomplishments. Emphasize any laboratory techniques, instrumentation, software, or research projects that showcase your expertise in biotechnology. Search for job openings in biotechnology-related roles on online job portals, company websites, professional associations, and academic institutions. Customize your application materials for each position, emphasizing how your qualifications and experiences align with the job requirements. Explore internship or fellowship opportunities in biotechnology companies, research labs, or government agencies to gain practical experience, expand your network, and enhance your employability. Some internships may also lead to full-time job offers. Take advantage of the career services offered by your university, which may include job placement assistance, resume workshops, mock interviews, and career counseling. Career advisors can provide personalized guidance and support throughout your job search process. Job hunting in the biotechnology industry may take time and persistence. Stay motivated, maintain a positive attitude, and be open to exploring different opportunities or career paths within biotechnology.

By following these steps and actively pursuing job opportunities in the biotechnology field, you can increase your chances of securing a rewarding job after completing your master's degree. Keep networking, refining your skills, and staying proactive in your job search to achieve your career goals in biotechnology.

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Archana

Archana Deshpande  |66 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Nov 18, 2024

Asked by Anonymous - Nov 16, 2024Hindi
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Career
Dear Ms. Archana, I am a 50 year old middle management officer & have 24 years of experience in banking industry. But I want to shift to HR or life coaching industry. Kindly guide me with ur coaching & I would also like to work part-timr with your organization if you are satisfied with my skills & knowledge.
Ans: Good afternoon!!

If you have been in the banking industry for the last 24 yrs, don't you think now is the time to consolidate on your skills and do something which brings out your expertise ? Think of moving up the ladder in your organisation or look for coaching/training people to pass a bank exam or any other subject you love to teach.

And trust me 50 is also an age -
1. when you look back and see all that you have accomplished
2. then look into the future and think about all that you wanted to do and want to do
For you to really look into the two questions above, sit with a quite mind and explore all options , write them down for clarity and for the way forward.

If HR is where you want to go in, then look for an MBA in HR while you are continuing to work( I am very particular about being financially independent too during a career shift or the transition phase)!

If Life coaching is what interests you then check out India's leading life coach Puja Puneet and the courses she offers.
To be a life coach is to work a lot on yourself before you can become one.

Working part-time in my organisation is a "no" right now as I am not hiring!!

All the best in your exploration of the self and the clarity on forward path!!

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Ramalingam

Ramalingam Kalirajan  |7041 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 18, 2024

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Money
Hi sir just to get 1 lakhs per month from mutual fund account, how much total money is required to invest in mutual funds account. Thanks
Ans: To generate a monthly income of Rs 1,00,000 through mutual funds, you need to determine the total investment amount based on the withdrawal rate and expected returns. Here's a detailed analysis:

Key Considerations
Withdrawal Rate

A safe withdrawal rate is around 4–6% annually for sustainable income.
A higher withdrawal rate risks depleting your corpus prematurely.
Investment Returns

Equity mutual funds can give 10–12% annual returns over the long term.
Balanced or hybrid funds may offer 8–10% returns with lower volatility.
Debt mutual funds typically yield 6–8% returns with stable income.
Inflation

Factor in inflation to ensure the corpus lasts through your lifetime.
Taxation

Gains from mutual funds are taxable. This affects your effective returns.
Approximate Corpus Needed
1. Using a 6% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 6% = Rs 2 Crores
2. Using a 4% Withdrawal Rate
Monthly income required: Rs 1,00,000
Annual income required: Rs 12,00,000
Corpus needed: Rs 12,00,000 ÷ 4% = Rs 3 Crores
Recommendations
Invest in Diversified Funds

Allocate your corpus across equity, hybrid, and debt funds.
Equity for growth, debt for stability, and hybrid for balance.
Use SWP (Systematic Withdrawal Plan)

SWP allows you to withdraw a fixed amount monthly.
It ensures steady cash flow without disturbing the investment.
Reassess Periodically

Review returns, inflation, and withdrawal rate annually.
Adjust withdrawal amount to maintain corpus longevity.
Plan for Taxes

Consider the impact of LTCG and STCG taxes on withdrawals.
Equity mutual funds' LTCG above Rs 1.25 lakh is taxed at 12.5%.
Include an Emergency Corpus

Keep 6–12 months’ expenses in a liquid fund.
Avoid dipping into your main corpus for emergencies.
Final Insights
To get Rs 1,00,000 monthly, aim for a corpus of Rs 2–3 crores. Choose mutual funds that align with your risk tolerance and income needs. Start with a Certified Financial Planner to tailor a portfolio for sustainable income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Anu

Anu Krishna  |1303 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2024

Asked by Anonymous - Nov 06, 2024Hindi
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Relationship
Hi, I am 55 and married to a wonderful lady of 52. Both of us are employed. We have been blessed with a son who has done his MBBS and now undergoing his PG in a reputed govt hospital. Problem is that I am working with a pvt company ( listed ). While my wife works with a govt company. We are located in two different states and not possible to travel from home on daily basis. So we meet up once a month only. Generally on a second or forth Saturday. As I work with a company where I have to take permission to leave HQ, I feel frustrated that even after working for more than 30 years, one needs to take a permission. Work culture over the years has changed too much as the company has changed hands many times. And now I am not able to change nor ready to change my way if working. And thua brings out friction in my job and affects my performance everywhere. I wish to leave the job as only 03 years are balance and I feel that having a good enough health would allow me some time to pursue my hobbies of travel and meeting with my relatives which I have ignored for so many years. While I wish to take an early retirement ( no financial liabilities and a good enough bank balance and own home too.) But wife is not agreeing to this. Whenever I raise the topic we end up arguing too much and don't reach any conclusion. Regarding her job, she has to travel by own vehicle for almost 45-60 minutes daily. So she cooks only once and for dinner she consumes whatever cooked in morning. House help is not easily available and she is.not able to adjust with them. I don't like this and if I leave my job I could help her with household chores as well. So, my query is how do I pursuade my wife to let me leave the job ( I am not at all insisting for her to leave the job as well ). How do I make her understand that we are financially well enough and our son would do well in his career without needing any more help from us. My continuation in my job frustrates me and I can't think of anything but to leave the job.
Ans: Dear Anonymous,
It seems to me like your wife is quite comfortable with the current situation. So, it's up to now to handle the conflicts that you are facing.
If you want to leave your job, why do you need to persuade your wife to allow you to do that especially if you are financially stable and secure?
Before taking any major life-changing decisions, take a break from work, travel, socialize, spend time with the family, engage in new pursuits and see if anything new comes up...what excites you? What can you do with that excitement? Can you create something new with it? Does it force you see something different or change the course of your job, your life?
Unless you don't take that moment to STOP and experience something different, you will not allow yourself to have choices. So, build choices and build different ways of thinking and that will enable you to move from frustration to transformation. Take that first step, take a BREAK!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io

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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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