Hello ma'am my daughter is in class 11 science stream at present in Mumbai.Since my husband is working in UAE I want to shift there after her 12 .can you please tell me which Universities are good in UAE.she plans to study Chemical engineering

Ans: It's fantastic to see your interest and commitment to SIPs. Your portfolio reflects a diverse mix of mutual funds.

Parag Parikh Flexi Cap, Mirae Asset, and Canara Robeco ELSS MF offer exposure to different segments of the market, ensuring diversification.

Nippon Large Cap and PGIM Midcap Opportunities add stability and growth potential to your portfolio, respectively.

Investing in small-cap funds like Nippon Small Cap, Quant Small Cap, HDFC Small Cap, and Zerodha ELSS MF demonstrates your appetite for high-growth opportunities.

Your target corpus of 10 crores over the next 15-20 years is ambitious yet achievable with disciplined investing and prudent portfolio management.

As you're 32 years old, you have time on your side to harness the power of compounding and ride out market fluctuations.

It's essential to review your portfolio regularly, considering your risk tolerance, financial goals, and market conditions.

Stay informed about the performance of your funds and be open to making adjustments if needed to stay on track towards your target corpus.

Remember, investing is a long-term journey, and consistency is key. Keep up the excellent work, and I'm here to support you in your financial endeavors!

Ans: Your commitment to investing is truly impressive, especially with such substantial monthly SIP contributions.

Your strategy of increasing your SIP amount by 10% annually demonstrates a proactive approach towards wealth accumulation.

Given your age of 41, you have a good amount of time ahead to capitalize on the power of compounding.

Let's break down your plan and see how we can optimize it further:

Your current SIP amount of Rs. 30,00,000 per month is substantial and shows a strong commitment towards your financial goals.

Increasing your SIP amount by 10% annually is a prudent move, considering inflation and rising expenses over time.

However, it's important to ensure that this increase doesn't strain your finances or impact your ability to meet other financial obligations.

As a Certified Financial Planner, my suggestion would be to periodically review your financial situation and reassess your SIP strategy accordingly.

Consider factors such as changes in income, expenses, and market conditions to make informed decisions about adjusting your SIP amounts.

Additionally, diversification across different asset classes and investment vehicles can help mitigate risk and optimize returns.

While SIPs are a great way to systematically invest in mutual funds, exploring other avenues such as debt funds, equities, and alternative investments can further enhance your portfolio's performance.

Remember to stay focused on your long-term financial goals and avoid making impulsive investment decisions based on short-term market fluctuations.

Lastly, I want to commend you for your dedication to financial planning. With continued discipline and strategic decision-making, you're well-positioned to achieve your financial aspirations.

Keep up the great work, and remember that I'm here to support you every step of the way!

Ans: Your dedication to financial planning is commendable, especially with a clear retirement goal in mind. Let's delve into your current situation and discuss potential adjustments:

Your current portfolio allocation seems well-diversified, with a significant portion invested in mutual funds, NPS, PPF, SGB, and some cash and stocks. This mix offers a balance of growth and stability.

Your monthly investments and annual contributions to PPF and SGB reflect a disciplined savings approach. It's crucial to maintain this consistency to achieve your retirement target.

Your 2BHK house in Pune is an asset that adds to your net worth and provides security. It's great that your company covers your accommodation expenses, easing your financial burden.

With your after-tax salary and monthly expenses, you have a surplus for investments, which is a positive sign. It's essential to ensure that this surplus is utilized efficiently towards your retirement goal.

Considering your goal of accumulating a corpus of 25 Crores by the age of 50, it might be beneficial to reassess your asset allocation strategy. While your current allocation is diversified, you may want to tilt it slightly towards more conservative options as you approach retirement age.

Given your aggressive investment approach, you might consider gradually shifting towards a more balanced portfolio with a higher allocation to large-cap and balanced funds, which are comparatively less volatile.

Additionally, exploring other investment avenues such as direct equity, debt funds, or alternative investments could further diversify your portfolio and potentially enhance returns.

Regularly reviewing your portfolio's performance and rebalancing it as needed is crucial to stay on track towards your retirement goal.

Overall, you're on the right track with your financial planning efforts. Continue with your disciplined approach, stay informed about market trends, and seek professional advice if needed to optimize your portfolio further.

Keep up the excellent work, and with persistence and smart decision-making, you're well-positioned to achieve your retirement target!

Ans: It's great to hear about your commitment to investing. Your journey since 2019 is impressive!

Your current funds show a balanced mix catering to different segments of the market. Canara Robeco Emerging Equities, HDFC Mid-Cap Opportunities, SBI FlexiCap, ICICI Prudential Bluechip, and Nippon India Small Cap Fund cover various sectors, providing a diversified portfolio.

Adding more funds to your investment kitty is a bold move. Let's discuss each new addition briefly.

Quant Small Cap Fund: Investing in small-cap companies can offer high growth potential but comes with higher risk. Keep an eye on its performance.

Motilal Oswal Midcap Fund: Mid-cap funds are known for stability and growth. It could complement your existing mid-cap investment.

Canara Robeco Infrastructure: Infrastructure funds can benefit from government initiatives and economic growth. However, they can be volatile due to sector-specific risks.

Quant Large and Mid Cap Fund: This fund combines large and mid-cap stocks, offering a balanced approach. Monitor its performance and align it with your goals.

Considering your aggressive investment approach, these new additions seem aligned with your strategy. However, always keep an eye on market trends and review your portfolio regularly.

Moreover, instead of investing directly, consider investing in regular plans through a Mutual Fund Distributor (MFD). Here's why:

By investing through a Regular Plan, you can access professional advice and guidance from an experienced Mutual Fund Distributor.
MFDs can help you navigate through the complexities of the market, select suitable funds based on your risk profile, and monitor your investments regularly.
Regular plans often offer additional services, such as portfolio reviews, financial planning, and timely updates on market trends and fund performance.
Investing through an MFD ensures that you receive ongoing support and assistance, helping you make informed decisions and stay on track towards your financial goals.

Overall, by diversifying your investments and leveraging the expertise of a Mutual Fund Distributor, you can enhance the effectiveness of your investment strategy and optimize your chances of long-term success.

Ans: Your post Breakfast readings depends upon what u have for breakfast, try reducing on the quantity of carbs and increasing the quantity of protein

Ans: Hi!!
A working mother, husband working abroad, there is only so much you can do. Spend quality time with your daughter, bond with her on stuff other than studies, that brings happiness to both of you.
If you as a mother know your child's potential then, this should be good. You are saying she is an average student then set a certain percentage that she can score, when she scores that much then celebrate it. Let her live a balanced life, right amount of time spent on studies and other skills. Expose her to other skills like, music, sports, debating, story telling... she will soon discover something where she excels!!

Set a time for studies, let her study during that time and rest of the time don't keep talking about studies, discuss and do something else. Explain to her why studying is important, make gaining knowledge, studying a rewarding experience. Every child comes with their set of strengths and success. As a mother cherish your child and enjoy your time together. Your child is unique, do not compare her with anyone else.
Inspire her to be happy, healthy and knowledgeable by you being so!!

Happy Parenting! Best wishes

Ans: Starting a career in interior design requires a combination of education, skill development, practical experience, and networking. Consider pursuing a formal education in interior design from a reputable institution. Look for programs that offer comprehensive coursework, hands-on training, and opportunities for internships or practical experience. You can choose from diploma programs, bachelor's degrees, or master's degrees in interior design or related fields. Familiarize yourself with the principles and elements of design, spatial planning, color theory, materials, furniture styles, and construction techniques. Develop proficiency in design software such as AutoCAD, SketchUp, Revit, and Adobe Creative Suite, which are commonly used in the industry. Create a portfolio showcasing your design projects, concepts, and creative abilities. Include a variety of projects that demonstrate your skills in different areas of interior design, such as residential, commercial, hospitality, or retail spaces. Your portfolio is your visual resume and will be essential when applying for jobs or seeking clients. Seek opportunities to gain practical experience through internships, apprenticeships, or entry-level positions in design firms, architectural firms, or interior design studios. Practical experience will provide valuable insights, mentorship, and hands-on experience in real-world design projects. Seek opportunities to gain practical experience through internships, apprenticeships, or entry-level positions in design firms, architectural firms, or interior design studios. Practical experience will provide valuable insights, mentorship, and hands-on experience in real-world design projects. Decide whether you want to work as an independent freelance designer or join a design firm or agency. Starting your own business offers flexibility and autonomy but requires entrepreneurial skills and the ability to manage clients, projects, and finances effectively. Regarding salary packages in interior design, they can vary significantly based on factors such as location, experience, specialization, clientele, and the type of projects undertaken. Entry-level interior designers may start with modest salaries, but as they gain experience and reputation in the industry, their earning potential increases. 

The average salary for an interior designer in India varies by experience and company, starting from entry level with less than three years of experience earning an average salary of ?2.6 lakhs per year; mid-career between 4–9 years of experience earns an average salary of ?4.5 lakhs per year; experienced: 10–20 years of experience earns an average salary of ?7.1 lakhs per year; independent: ?50,000–1 lakh per month or more; and top companies can pay ?22–24 lakhs per year on average, up to ?44 lakhs per year with relevant experience as well.

Ans: Deciding between UPSC Civil Services and UPSC Engineering Services requires careful consideration of your interests, strengths, and career goals. Reflect on your interests, strengths, and career aspirations. If you have a passion for public administration, policymaking, and addressing societal issues, UPSC Civil Services may be a better fit for you. On the other hand, if you enjoy technical challenges, problem-solving, and contributing to infrastructure development, UPSC Engineering Services may align better with your interests. UPSC Civil Services often involve a diverse range of roles, including administrative, diplomatic, and policymaking positions, with opportunities to work at the national, state, or district levels. UPSC Engineering Services primarily focuses on engineering roles in government departments and organizations, with responsibilities related to project management, design, and implementation of infrastructure projects. I would recommend that you pursue civil services, which may indeed be a better choice for you. Civil services provide opportunities to lead and make decisions that influence public policies, programs, and initiatives. As a civil servant, you can contribute to governance, social development, and nation-building by addressing key issues and challenges facing the country. Civil services offer avenues for continuous learning, professional growth, and skill development. You can undertake training programs, attend workshops, and participate in capacity-building initiatives to enhance your knowledge, skills, and leadership abilities throughout your career. Civil services provide the job security, stability, and prestige associated with serving in the government sector. Civil servants enjoy various perks, benefits, and allowances, along with opportunities for promotion and career advancement based on performance and seniority.

Ans: Hello!!
The addiction to mobile after COVID is a menace every parent is facing. The good part is she is aware about her exams and studies at least one week before her exams.

The rude behaviour, lack of focus on studies is all stemming from the mobile games. They are highly addictive and the thrill they give is beyond imagination. Slowly but surely you have to take away the mobile from her, that's the only way to help her look for other sources to keep her busy .Friends, new skills and studies will get her attention only when the mobile is away.

Allocate time for food, sleep, studies, play time and also mobile time( can't just take away the mobile, has to be weaned away from it gradually), in a day. Set a timer for the mobile usage, she has to return the mobile as soon as the timer bell rings.

Pls remember you are the adult here, she is just a child. Guide her, lead her towards better and interesting things to do. You all as a family have to stop sitting with the mobile, start reading books ,play board games , learn a new skill, sing songs, cook together, bake together, you make everything at home an interesting activity, joyful activity, why will a child sit on the mobile?
It is a going to be lot of hard work for you and if the end result of this is seeing your daughter away from the mobile, laughing and talking to her friends, playing around, studying well.....then this is worth all the effort.