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Career Change at 41: Is It Too Late?

Aasif Ahmed Khan |164 Answers |Ask -Follow

Tech Career Expert - Answered on Jul 24, 2024

Aasif is a mechanical engineer with 16 years of experience, specialising in maintenance, troubleshooting, planning, training and creating documents. He currently works as a manager at Rashtriya Chemical and Fertilizers Ltd in Mumbai.
Aasif is passionate about guiding students and aspiring engineers as they aim to choose the right educational paths, including courses and colleges.
He holds a bachelor's degree in mechanical engineering from the Indore Institute of Science & Technology in Indore and is currently pursuing a master's degree in thermal and fluid engineering at the Indian Institute of Technology, Mumbai.... more

Asked by Anonymous - Jun 23, 2024Hindi

Career

Hello sir. I am an MTech graduate 2015 passout. Into teaching sector post my PG course but haven't seen any growth so far. My age is 41 now. Planning to switch to a different domain. What is your suggestion?

Ans: Reflect on what you enjoy doing and where your strengths lie. This can help you identify potential career paths that align with your interests and skills. Career transitions can be challenging, but staying positive and persistent will help you navigate this change successfully. If you have any specific fields in mind or need more detailed advice, feel free to ask.

Here are some ways to get career growth in parallel to job -
Data Science and Analytics: With your technical background, transitioning to data science could be a good fit. You can start with online courses and certifications.
Software Development: If you have an interest in coding, software development offers numerous opportunities. Learning programming languages like Python, Java, or JavaScript can be beneficial.
Project Management: Your experience in teaching and managing students can translate well into project management roles. Consider certifications like PMP (Project Management Professional).
Digital Marketing: This field is growing rapidly and offers various roles such as SEO specialist, content marketer, and social media manager.

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Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on Feb 19, 2024

Asked by Anonymous - Feb 19, 2024Hindi

Career

Dear Mr. Krishna Kumar....This is sandhu here....I have been working in the logistics industry for about 25 years. My initial requirement was to learn from the front end since I was working in the back operations...hence I moved on to another county worked in 2 companies a freight forwarder and a distributor...and I am now working in the gulf with the second company (Distributor of world-class brand in electronics ) for about 17 years and growth seems to be completely stalled in terms of position. I am right now in a middle management position however looking for management position for about 17 years but does not seem to be working. Really do not know what should I do and looking for more expert advise...should I change to teaching filed....I am completely stationary in terms of growth prospects.

Ans: Dear Mr.Sandhu

Feeling stagnated in work or life is a normal that we all need to embrace. Many a times this feeling comes more out of peer pressure than our own.

Firstly, please define what growth means to you...role & responsibilities, position, salary, team size, value creation.

Secondly, do an honest assessment for self in each of the above areas and see where you think you are not growing.

Thirdly, ask yourself what is it that you want to do, if you feel for teaching then go for it but if it is a compromise because you feel you are not growing then I would suggest don't.

Fourthly, take up some courses that can enhance your skill sets.

Lastly, assess your own needs and wants at the stage of life you are in, talk to your family and see if what you have is good enough to live a peaceful and contented life.

All the best.

Patrick Dsouza |914 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Jun 12, 2024

Question by Ajit - May 05, 2024Hindi

Career

I have done Btech, MBA HR, and PhD in mgmt, I am about to retire in 8 months what post retiral employment can i opt can i go yo teaching

Ans: Can definitely go into teaching. Can look at being part time or full time or visiting faculty.

Chocko Valliappa |475 Answers |Ask -Follow

Tech Entrepreneur, Educationist - Answered on Jun 06, 2024

Asked by Anonymous - May 26, 2024Hindi

Career

Hello Sir, I am a 35 yr BE(CSE) Male working in Bangalore with 12.5 yrs experience in Embedded systems domain with not bad salary. I want to switch to my passion which is teaching in a non technical field. Based on my interest, I have come with below options. 1) A computer science / Maths teacher with BEd degree. Do I also require Bsc / Msc course for this ? If so, can I pursue via distance education mode ? 2) A Professor in a BEd College - I am aware that we need BEd, MEd, Phd. Assume I am doing them, do they even welcome a 45 yr fresher for that ? Is work experience as a teacher in schools required for those posts ? 3) A CAT quants coach - with good interest in maths, I want to know what are the institutes / coaching centres looking in such candidates. I have 3-5 years in hand before making switch. Kindly advise what are the efforts, how I may need to prepare for this change.

Ans: I consider the Embedded systems is meant for geniuses like you. The ESD industry is booming and will continue to grow with the emergence of EVs and all the appliances and devices getting built in India. I would encourage you to talk to a few Engineering Colleges in Bengaluru an see if you can deliver a few guest lectures. Once you gain confidence and success, consider running a full semester. This looks like the best of both worlds--that give you the job satisfaction and good salary from your ESDM job For industry professionals BEd etc are not needed. All the best.

Mayank Chandel |1957 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 17, 2024

Question by Grow - Jul 13, 2024Hindi

Career

I completed masters in maths in 2019 from tire 2 college.My dream was to become an academician.Due to financial strain of my family I joined gds in India Post in 2020.I get very frustrated in that job .I couldn't leave that job because of financial issues.Besides the job I tried half heartedly pgt central govt teacher job. I failed with some mergin.I belong to west Bengal where teachers recruitment has stopped for 10 years.What should I do now? Should I try for other central govt job at 27 years age or do mtech from premium institution qualify gate exam? Please give your valuable thoughts. I get confused and trying many things at a time results failure.

Ans: Hi
if you have financial constraints & responsibilities how are you going to manage? Try NET exam and pursue part-time M Tech & the Phd while on job.

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Dr Nagarajan Jsk |194 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 31, 2024

Asked by Anonymous - Dec 30, 2024Hindi

Career

Hi i passed 12th in 2021 ( covid batch ) since everything was closed so in anxiety joined DU as sciences students but kept simultaneously preparing for neet it was very hazardous to manage both in offline neet prep and bsc so shifted to distance education bsc so i was in Du like 2021-2023 then 2023 took distance mode finally when i couldnot clear cutoff i thought will let this distance finish and side wise join some different and good course so came down to law in reputable law college of south . Is my decision ok or am i going too mmuch

Ans: Hi,

The students from the Covid batch have faced numerous challenges and are still struggling to settle down, including those in school. You have done your utmost to support them. Since you have completed your BSc and are now pursuing a degree in Law, you are in a favorable position.

Consider the possibility of becoming a patent attorney, which is a lawyer specializing in intellectual property law focused on securing and protecting an inventor's rights. Even before you complete your course, I encourage you to seek experiences related to intellectual property rights (IPR).
ALL THE VERY BEST.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 12, 2024Hindi

Money

Hello Advait. I have around lump sum 35 lacs to invest in stocks and or MF. please suggest the stocks or suitable MFS from retirement corpus perspective. I have around 15Y left for retirement. Also I am doing SIP of 90K in UTI Nifty 50 index fund, PPFAS flexi cap fund and Motilal Oswal Nifty 500 Index fund. I am risk averse and therefore don't do any investment in pure small or mid cap MFs. However you may suggest any Mid or small cap fund which has very good risk to reward ratio and I will start 25K SIP in it. Thank you in advance.

Ans: Diversification is the key Your portfolio is well-diversified across large-cap and flexi-cap funds. Adding quality mid-cap and small-cap funds enhances long-term growth potential.
Risk Management is required to Balance aggressive investments (mid/small caps) with conservative debt funds.
Tax Efficiency also needs to be considered if tax-saving is needed ELSS funds .
This strategy ensures you balance growth and stability for retirement over the next 15 years. Regularly review your portfolio to align with changing financial goals and market conditions. Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Question by Anmol - Dec 22, 2024Hindi

Money

Took home loan in May 2022. House construction completed in June 2023. Sold old house in Dec 2024. Can I set off the captial gains by repaying my home loan?

Ans: Repaying a home loan does not qualify as a "purchase" or "construction" of a new residential property, so it won't help you claim the exemption. No, you cannot set off capital gains by repaying your home loan. Your Options are -
Invest in a New Property: To save tax on capital gains, invest the proceeds in another residential property within 2 years (purchase) or 3 years (construction).
Capital Gains Account Scheme (CGAS): If you're unable to invest immediately, deposit the gains in a CGAS before the filing of your tax return for the year of sale. This gives you time to utilize the funds while deferring tax liability. Exemption under Section 54EC: Invest up to ?50 lakhs in specified bonds (e.g., REC, NHAI) within 6 months of the sale to claim exemption.
Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Question by SATISH - Dec 24, 2024Hindi

Money

I have 15 L in Icici blue chip fund and shifted my SIP of 25 K to Nippon large cap, I also have 5 K SIPs in Hdfc Mid cap opportunities and 5K in Nippon multicap? Is it the right investment for 35 K a month or need a change..I am 50 Yrs age.I am accumulating for 2 Cr corpus in next 7 years. I already have 45 L in my equity and debt funds. I also want to double SIP in next FY to 70 K a month in same ratio in above funds. Retirement goal is 2 Cr. Please advise

Ans: Continue current SIPs but diversify large-cap allocation slightly.
Allocate additional SIPs in FY 2025 to a mix of large-cap and balanced advantage funds.
Annually rebalance portfolio to maintain an equity-debt ratio that aligns with your risk tolerance and time horizon.
This approach ensures you achieve your retirement goal while managing risks effectively.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 29, 2024

Relationship

Hi , male happily married for 6 years . I find my ex collegue very attractive. Part of me is yearning to have some good sex with her. She is also married and a good human being, she likes me but still bit sure if she really wants to have sex with me. She loves being with me.

Ans: Dear Anonymous,
Do you have an open marriage? If so, I understand what you are saying. If not, do you understand what you are saying?

I am assuming that you have an open marriage- even so, if you are not sure about your colleague's feelings for you or have no idea about her marital arrangements, it would be a terrible idea to approach her with this. Moreover, she has never voiced her interest in you- “loves being with you” is not the same as she loves you romantically or lusts for you. Please tread very carefully.

I am saying all of these considering you have an open marriage. If that isn't the case, I don't think I have to tell you how wrong all of it is, and how much you should focus on your marriage and whatever is lacking in it; you can even try marriage counseling.

Hope this helps.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by dakshesh - Dec 15, 2024

Relationship

there is a girl and i truly love her but apparently not vice verca, she is dating bad guys and getting hurt again and again but not giving a single chance to me , i truly love her and ready to do anything for her, i confessed my feelings multiple times in front of her but she is like let it be and let the god do whatever he wants also she ghosts me pushed me away and many more things but from the first day we are in a complicated situationship.

Ans: Dear Dakshesh,
I can't speak for her, but I can tell you that when a person, man or woman, is pushing you away and voicing their disinterest, it's best to give them their space. It can either be she is not interested in you romantically or she needs time to get there. But you cannot manipulate, push, or convince her to like you that way. If it happens organically, then good. Or else, you should respect her decision. Moreover, don't you think you deserve someone who likes you back the same way and chooses you over everyone else? I sure think you deserve better.
Please let her make her own choices and as for you, make better choices that are good for you. This toxicity and complicated relationship might be subconsciously exciting right now, but it won't be for long. You will get exhausted.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by Neha - Dec 31, 2024Hindi

Relationship

Mujhe love me success kyu nahi milti

Ans: Dear Neha,
Finding love takes time for most people. Sometimes we have no control over these things. I can suggest dating apps. You can add a bio that describes you well and also mention the kind of person you want. This way you will only attract people who are compatible with you. It can increase your chances of having a successful relationship. Nevertheless, everyone's love story happens at different paces. Don't worry. You will find yours too, in time.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Question by Neha - Dec 30, 2024

Relationship

Mujhe love relationship me success nahi milti aisa kyu

Ans: Dear Neha,
Finding the right relationship takes time for most people. Sometimes we have no control over these things. I can suggest dating apps. You can add a bio that describes you well and also mention the kind of person you want. This way you will only attract people who are compatible with you. It can increase your chances of having a successful relationship. Nevertheless, everyone's love story happens at different paces. Don't worry. You will find yours too, in time.

Best Wishes.

Ravi Mittal |480 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 31, 2024

Relationship

I’m feeling really lost right now. I’ve been with my boyfriend for about a year, and things started out great. We have a lot in common, and we both enjoy going out with friends. But recently, I've noticed something that’s been bothering me. He works as a bartender, and every time I go to his bar, he gets upset about my friends being there. It feels like he’s trying to push me away from them, and I don’t know how to deal with it. Last weekend, we went out, and after a few drinks, I mentioned how uncomfortable it made me that he talked badly about my friends when they come to his bar. I thought I was being calm about it, but he just flipped out. He started yelling at me in the car, and I was so scared because he was driving way too fast and swerving. I told him I was going to call the cops, but he didn’t listen. Eventually, he pulled over, got out of the car, and started screaming and running around. It all felt so intense and out of control. When he came back to the car, things got physical. I slapped him in an attempt to make him stop, which I regret because I’ve never done that before. In the heat of the moment, he slapped me back and pushed me into a bush. The next day, I had bruises, and I just couldn’t stop thinking about everything that happened. Now, he’s been trying to buy me things and even booked a trip for us, begging me to stay. But I feel so unsure of what to do. I keep telling him that I need space, but it feels like he’s not really understanding the severity of what happened. I’m torn between wanting to make it work and realizing that this situation isn’t healthy. What should I do? Should I give him another chance or listen to my instincts and walk away for good?

Ans: Dear Anonymous,
First of all, physical violence is never the answer to any problem. I think you already know that. Coming to your main query, I think you should take the chain of events that followed after you confronted him very seriously. It's not healthy to slap and be slapped back and pushed into a bush. I am sure he regrets it just like you, but it can become a pattern. I would strongly urge you to rethink this relationship. If you are keen on keeping it going, I recommend either having an open discussion about what happened to make sure it is never repeated, or even better, consulting a therapist to work through the issues. You can have concerns and queries as to why he doesn't like it when your friends are around- that does not warrant such a harsh reaction.

I hope this helps.

Nitin Narkhede |43 Answers |Ask -Follow

MF, PF Expert - Answered on Dec 31, 2024

Asked by Anonymous - Dec 25, 2024Hindi

Money

Sir I am 39 years old. I want to retire at age 50.Now I have 60 lacs in fd in different banks and post office. I have 3.5 lacs in Mutual Fund. I have different properties including home valuing approximately 3.5 Cr.I have no loan.What is my financial position exactly now.How should I plan to get 1 lac monthly after retirement.

Ans: You have a solid financial foundation , Having static property is good to have, unless it is creating any income, otherwise it will be consuming expenses for maintenance. about plan to get 1 lac monthly after retirement at 50 you need to plan certain investments, for 12L(1L per month) per year you need corpus of 3 CR . Retirement Corpus Allocation: Plan to Achieve Your Goal:
1. Maximize FD Efficiency- Shift ?30 lakhs from FDs to debt mutual funds or balanced advantage funds for better post-tax returns (~7-8%). Keep ?30 lakhs in FDs/post office for emergencies and stable returns. 2. Grow Mutual Fund Investments:
Increase equity exposure to at least ?50 lakhs by systematic investments of ?50,000/month in equity mutual funds (e.g., index funds, large-cap funds). By doing this your Expected returns: 10-12% over 10 years, growing the corpus to ~?1.2 crore.
3. Utilize Properties- Explore rental income or liquidate one property closer to retirement to add to your corpus.
If one property generates ?50,000 monthly, you’ll need a smaller investment corpus for the remaining ?50,000.
At retirement allocate-50% in debt funds/FDs for stability and regular income. 50% in equity mutual funds for growth and inflation adjustment. Build an Emergency Fund: Maintain ?10-15 lakhs for unforeseen expenses post-retirement.
Regards, Nitin Narkhede , Founder Prosperity Lifestyle Hub Community.

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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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