Hello sir my daughter is btech biotechnology graduate and she's In a confusion to choose between mtech and mba . But she says her btech left with no core knowledge of her subjects what is better ? And which career path leads her salary high

Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that you are currently studying in the 10th grade. Given that you do not like physics and chemistry, I would like to tell you that opting for the commerce stream is a wise decision. With commerce, business studies, accounting, and economics, you can embark on careers in finance, business management, banking, company secretary (CS), marketing, chartered accountancy (CA), and entrepreneurship. Opting for economics and mathematics together opens up more alternatives, including data analysis, actuarial science, and finance-related employment. Proficiency in mathematics and economics can also enhance your prospects of studying abroad for business, finance, or economics-related degrees in leading colleges.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

Ans: Hello dear.
It is better to visit the official website of RV college to know more the cut-offs as the admission are based on the entrance exams like JEE Main, COMEDK, and KCET. The cutoff for each course and exam varies from year to year. To get a seat in CSE via JEE in a reputed college like NIT are parallel, one has to score in the range of 97-99 percentile..

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Radheshyam

Ans: You will have to register a new entity, because startup has a "start date" clause and 35 year old business may not be registered as a startup. Please consult a CA/ Consultant who can help you register in startup India.

Ans: Look out for smaller companies. Connect with your fiends and family to check if there are openings in the organisation they are working. In the meantime see if you can start something of your own.

Ans: Hello Dear.
Here is the point-wise reply to your question: (1) It is safe to join an integrated program. (2) This is a legal process and there is no role of CBSE in this integration. (3) Success depends upon the hard work of the student. Many students achieve success without joining any coaching center or even test batch (4) We are unable to suggest one of the names of a coaching center as every coaching center has its working style. Some like and some dislike it. It is better to ask the students of both these coaching centers, take a brief review, and then choose the one that is suitable to you from all angles. Best of luck for your future.
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Radheshyam

Ans: Surely you will get chance in good NITs.Best of luck.Professor......:)

Ans: You can try in low ranked NITs and State Government Engineering Colleges.Best of luck.Professor......:)

Ans: You will retire in April 2025 with a corpus of Rs 40 lakh. Your goal is to get a steady monthly income of Rs 30,000 while ensuring your capital grows.

A secure investment strategy is essential. It should balance income, safety, and growth.

 

Key Challenges in Your Retirement Plan
Generating a stable monthly income without depleting capital.

Beating inflation so that income remains sufficient.

Minimising risk while getting reasonable returns.

Ensuring liquidity for unexpected expenses.

 

Dividing Your Corpus for Stability and Growth
Your corpus should be divided into different categories. Each category serves a purpose.

 

1. Emergency Fund – Rs 5 Lakh
Keep Rs 3 lakh in a high-interest savings account.

Keep Rs 2 lakh in a liquid fund for better returns.

This fund helps handle unexpected expenses without touching investments.

 

2. Monthly Income Fund – Rs 25 Lakh
Invest in a mix of debt mutual funds and conservative hybrid funds.

These funds offer better returns than bank FDs.

Withdraw Rs 30,000 per month using a Systematic Withdrawal Plan (SWP).

This ensures stable income while keeping the capital growing.

 

3. Growth-Oriented Fund – Rs 10 Lakh
Invest in a balanced mix of equity mutual funds.

This helps to beat inflation and grow wealth over time.

Do not withdraw from this fund for at least 7-10 years.

This will help in long-term capital appreciation.

 

Why Not Rely Entirely on Fixed Deposits?
Bank FDs give lower returns than inflation.

Tax on FD interest reduces post-tax returns.

Debt mutual funds offer better tax efficiency and higher returns.

 

Why Avoid Index Funds?
Index funds only follow the market and cannot adjust to downturns.

Actively managed funds are handled by professional fund managers.

These funds can reduce losses in a falling market.

They offer better long-term returns than index funds.

 

Why Not Invest in Direct Mutual Funds?
Direct funds require constant tracking and decision-making.

Investing through an MFD with CFP credentials ensures better fund selection.

A Certified Financial Planner (CFP) helps in portfolio rebalancing.

This reduces investment mistakes and improves long-term returns.

 

How to Manage Inflation Every Year?
Increase your withdrawal amount by 5-6% per year.

Keep a portion in equity funds for growth.

Do not withdraw from growth-oriented funds in the first 7-10 years.

This ensures your capital lasts longer and grows.

 

Rebalancing Your Portfolio Regularly
Check investments every year.

Move money from growth funds to income funds when needed.

Adjust withdrawal amounts based on expenses and market conditions.

 

Finally
Your plan should ensure financial security and peace of mind. A well-diversified portfolio will help you get a stable income while growing your wealth. A Certified Financial Planner (CFP) can help you optimise this strategy.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: You have started SIP investing six months ago. Your monthly SIP is Rs 18,000 across different mutual funds. You also plan to increase investments by 10% each year. A long-term plan of 15 years is a good approach.

 

Strengths of Your Portfolio
You have chosen a mix of flexi-cap, mid-cap, and small-cap funds.

A 15-year investment horizon allows compounding benefits.

The 10% annual step-up increases the final corpus.

You are investing consistently, which is important for long-term success.

 

Areas That Need Attention
1. Too Many Funds in the Portfolio
You have seven different funds.

Some categories are overlapping, reducing diversification benefits.

A leaner portfolio can be easier to manage.

 

2. High Exposure to Small-Cap and Mid-Cap Funds
You have three funds in small-cap and mid-cap segments.

Small caps are high-risk, high-return investments.

Too much exposure can increase volatility.

 

3. Index Fund is Not the Best Choice
Index funds do not beat the market in all conditions.

Actively managed funds adjust to changing markets.

A professional fund manager can reduce downside risks.

 

Suggested Portfolio Improvements
1. Reduce the Number of Funds
Keep 3 to 4 well-managed funds instead of seven.

Choose one flexi-cap fund, one large-cap or multi-cap fund, and one mid/small-cap fund.

 

2. Balance Between Risk and Stability
Reduce exposure to too many small-cap funds.

Add a large-cap or multi-cap fund for stability.

 

3. Invest Through a Certified Financial Planner (CFP)
Direct funds require constant tracking.

A Certified Financial Planner (CFP) can guide investment decisions.

Investing through an MFD with CFP credentials ensures professional fund selection.

 

Reviewing Your Plan Regularly
Check your portfolio every year.

Rebalance if some funds underperform.

Maintain discipline and avoid emotional decisions.

 

Finally
Your investment strategy is good, but reducing the number of funds can improve returns. Focus on diversification, balancing risk, and expert guidance. A 15-year SIP with step-up can create wealth, but regular reviews are essential.

 

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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