Hello sir, My operations head i.e. branch head is younger to me and she has achieved a lot in last 3 years. She really has a good grasping power and I fail in this. I take lot of time to learn new things. Can you help me with this issue. Because of this, I am failing to grow in my current organization and in my work. This is the reason why my salary is less than Rs 50,000. Also my current organization is close to where I stay so I am not looking forward to change my job. I want to grow in my current organization and earn more. How can you help me?

Ans: His feeling won't change. If you want to keep it casual, carry on, otherwise move on

Ans: Hello

My I suggest you understand the use cases of using AI in your original area, combining AI skills to your original domain would enhance your skills and will be muh needed.

All the best.

Ans: Hello Venkatesulu

It depends upon upon whether you need that money or not whether you can deploy the money where it will give you better returns than interest what you are getting. If answer to any of the question is affirmative then you should but if it is not then you may continue keeping it.

All the best.

Ans: Hello

May I suggest you talk to your manager and HR dept. Feeling frustration on a daily basis is not good for your health. I am sure once you talk to them you will find a way.

All the best.

Ans: Dear Tanmaya

Kindly approach your HR and your manager, write a formal email to them post your meeting. See what they have to say.

All the best.

Ans: Hello

The document shared is good enough.

All the best.

Ans: Hello

Post MA Economics you have multiple path, either as a teacher or as a reseracher in organisation. However may sugget you take up some additional courses. In case you are interested in teaching go for B.Ed ... In case you are interested in research side then M.Phil or Phs would be better.

All the best.

Ans: Hello

I can understand what you must be feeling to go through this stage of life.

May I suggest you start with taking private tutions, given your rich experience in teaching I am sure you will make positive impact in the lives of students. Initially you may find it difficult ... but as you take steps...over the period a good path would be laid.

Believe in yourself...I am sure you will do it good.

All the best.

Ans: Your commitment to SIPs reflects a proactive approach towards building wealth for your retirement, and your choice of funds demonstrates a well-diversified portfolio. Let's evaluate your current strategy and suggest potential adjustments to align with your ambitious goal of accumulating over 25 crores in the next 9-10 years.

Assessing Current Portfolio Allocation
Your current SIP allocation comprises investments in ICICI Pru Index, Parag Parikh Flexicap, and Nippon India Small Cap funds, each with varying risk profiles and growth potential. While index funds offer stability, flexicap funds provide diversification, and small-cap funds aim for higher growth.

Considering Risk and Return Profile
Given your age of 46 and the relatively short investment horizon until retirement, it's crucial to strike a balance between risk and return. As you approach retirement, preserving capital becomes paramount, necessitating a gradual shift towards more conservative investments.

Potential Adjustments and Additions
Diversification: Consider diversifying further by adding exposure to other asset classes like debt or balanced funds to mitigate overall portfolio risk. Debt funds provide stability, while balanced funds offer a mix of equity and debt, suitable for investors nearing retirement.

Focus on Consistency: Evaluate the historical performance and consistency of the funds in your portfolio. Ensure that they align with your long-term financial goals and risk tolerance.

Review Fund Selection: While your current funds have their merits, periodically review their performance and make adjustments if necessary. Funds experiencing consistent underperformance or significant changes in fund management may warrant reconsideration.

Professional Guidance: Engage with a Certified Financial Planner (CFP) to conduct a comprehensive review of your portfolio and provide personalized recommendations tailored to your financial objectives and risk appetite.

Conclusion
In pursuit of your ambitious goal of accumulating over 25 crores by retirement, it's essential to periodically review and adjust your investment strategy. By diversifying appropriately, focusing on consistency, and seeking professional guidance, you can optimize your SIP portfolio for long-term wealth creation and financial security in retirement.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in