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Maxim

Maxim Emmanuel  |207 Answers  |Ask -

Soft Skills Trainer - Answered on Apr 24, 2024

Maxim Emmanuel is the marketing director of Maxwill Zeus Expositions.
An alumnus of the Xavier Institute of Management and Research, Mumbai, Maxim has over 30 years of experience in training young professionals and corporate organisations on how to improve soft skills and build interpersonal relationships through effective communication.
He also works with students and job aspirants offering career guidance, preparing them for job interviews and group discussions and teaching them how to make effective presentations.... more
Prajaktta Question by Prajaktta on Apr 24, 2024Hindi
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Career

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: I really don't know your area of activity as to what kind of organisation and operations, this is a bits and pieces question.. Riddle.

You have accepted that you have low grasping power, reason, that there is NO focus on the job?
Your comfort zone is satisfied organisation is near to your house.

It's important to prove your worth to the organization, otherwise you will be left behind as the case is now!

I suggest do a SWOT ANALYSIS about yourself and how to stay focussed on the task & achieve organizational goals.
It's then when you will be valued and grow.

Help yourself, no one knows better about the job you are doing than you!
Got it..!
Start with daily activities, weekly,monthly,quarterly & annual goals ...shrug off your complacency... Deliver or be Driven out... Bitter pill to swallow.. So don't take things lightly start now!
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Dear Mayank, Please guide me as to what I should do. I'm working as an HR officer (offrole). I am 30 years old. My salary is below the minimum wage rate. I have been working here since 1.9 years but still have got no increment. I'm a career oriented person. I want to move to the next position. When I was offered this job, it was mentioned I would be taken onroll after 1.5 yr to 2 years. But still there is nothing being done. New people that are being hired on same profile as me are hired on onroll (FTC) with salary higher than mine. Moreover, some HR interns have also been hired and once they are absorbed in the company, they will be on the company’s payroll. An HR intern whom I have trained from A to Z and is a fresher is being offered a regional HR position. This is a position that is higher than mine. I cannot understand why someone like me who has 1.9 years of experience in the company is not even considered. I have got an offer from a pharmaceutical company and I have resigned from my current job. But I'm still confused about whether I should leave this company or not. Please guide me about what to do so that I can grow on my career. In the current company, there is a lot of politics and I'm not able to deal with it. I'm losing my confidence. I want to keep this anonymous. Thank you.
Ans:

You must discuss these concerns you have regarding your career not growing in the same manner as your colleagues with your manager or HR.

If it can be resolved, then continue on your current role.

Else, you can consider the new job after you have done due diligence about the new company and its management.

 

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Abhishek Shah  |76 Answers  |Ask -

HR Expert - Answered on Jul 04, 2023

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hi Abhishek , i am having 22+ year experience and working as a software delivery head, but salary is like nothing, so what is to do to get good salary job, even i have a good knowledge also, but not able to get the job, and due to this my marriage is also not happening, i got divorce in 2007, but since that i am not able to do the 2nd marriage, i am trying and not able to get the 2nd marriage, so can you please guide please.
Ans: Hello Sunil,

I understand that you're experiencing difficulties in finding a job with a good salary despite having over 22 years of experience as a software delivery head. I can provide you with some suggestions that may help you in your job search and personal life:

Update your resume: Make sure your resume highlights your extensive experience, achievements, and skills. Tailor it to each job application, emphasizing relevant accomplishments.

Networking: Connect with professionals in your industry through networking events, online platforms, and professional associations. Building relationships and seeking referrals can increase your chances of finding job opportunities.

Job search platforms: Utilize popular job search platforms and websites specific to your industry. Regularly check these platforms for new job openings and apply to positions that match your skills and experience.

Stay updated: Keep yourself updated with the latest industry trends, technologies, and certifications. Attend conferences, workshops, and webinars to enhance your knowledge and stay competitive in the job market.

Polish your interviewing skills: Practice common interview questions and prepare your responses. Highlight your achievements and how your skills align with the requirements of the job you're applying for.

Consider contract work or consulting: Explore opportunities for contract work or consulting gigs, as they often offer higher rates and can lead to permanent positions or other opportunities.

Professional development: Identify any gaps in your skills and consider taking courses or certifications to update your knowledge. This demonstrates your commitment to professional growth and can make you more marketable.

Regarding your personal life and desire for a second marriage, it's important to prioritize your emotional well-being and self-care. Here are a few suggestions:

Reflect and heal: Take time to reflect on your past relationship and the reasons for the divorce. Seek closure and consider therapy or counseling if needed to heal and move forward.

Focus on personal growth: Engage in activities that bring you joy, pursue hobbies, and invest in self-improvement. Cultivate your interests and passions, which can make you more confident and attractive to potential partners.

Expand your social circle: Participate in social activities, join clubs or groups related to your interests, and attend events where you can meet new people. Expanding your social circle increases the likelihood of meeting someone compatible.

Online dating: Consider using online dating platforms to connect with potential partners. Be honest about your intentions and take the time to get to know people before committing to a serious relationship.

Seek professional help if needed: If you're struggling emotionally or finding it challenging to move forward, consider seeking guidance from a therapist or relationship counselor. They can provide support and assist you in navigating your personal journey.

Remember, finding a job with a good salary and a fulfilling personal life takes time and perseverance. Stay positive, believe in your abilities, and keep working towards your goals.

Regards,
Abhishek Shah

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Asked by Anonymous - Apr 19, 2024Hindi
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Parag Parikh Flexi cap Fund
Ans: Parag Parikh Flexi Cap Fund is a well-regarded fund in the mutual fund industry. It's known for its unique approach to investing across various market segments.

The fund follows a flexible investment strategy, allowing it to invest in stocks across market capitalizations, including large-cap, mid-cap, and small-cap companies.

One of the standout features of Parag Parikh Flexi Cap Fund is its global diversification approach. The fund has the flexibility to invest a portion of its corpus in international equities, providing investors exposure to global markets and opportunities.

Additionally, the fund's focus on quality companies with sustainable business models and strong management teams is commendable. This approach aims to mitigate downside risk and generate consistent returns over the long term.

Parag Parikh Flexi Cap Fund has a track record of delivering competitive returns compared to its peers and benchmark indices. However, investors should note that past performance is not indicative of future results.

As with any investment, it's essential to assess your risk tolerance, investment objectives, and time horizon before investing in Parag Parikh Flexi Cap Fund or any mutual fund.

Consulting with a Certified Financial Planner can provide personalized advice and guidance tailored to your financial situation and goals.

Overall, Parag Parikh Flexi Cap Fund is a reputable option for investors seeking diversification, global exposure, and potential long-term growth in their investment portfolio.

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Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I have been investing in mutual funds like Nippon large cap 8k , HDFC Mid cap opportunities 3k, Quant small cap 3k , Nippon India small cap 2k, Parag Parikh flexi cap 4k, Aditya Birla sun life PSU 2k, HDFC Balanced Advantage fund 2k , Nippon India credit risk (Debt Fund) 2k . Need some suggestions on the overall portfolio and if any further improvements can be done on debt Fund .
Ans: Your investment portfolio reflects a well-diversified approach across various segments of the market, which is commendable. Let's delve into some suggestions for optimizing your portfolio and enhancing the debt component.

Your allocation across large-cap, mid-cap, small-cap, flexi-cap, and sector-specific funds provides a good balance of growth potential and stability.

Consider evaluating the performance and consistency of each fund to ensure they align with your investment objectives and risk tolerance.

As for your debt fund, given the current economic environment, it's prudent to review your exposure to credit risk.

Consider diversifying your debt allocation by exploring options such as liquid funds or short-term debt funds, which offer lower credit risk and higher liquidity.

Additionally, assessing the expense ratio and credit quality of your current debt fund can help determine its suitability for your portfolio.

Pls consult a Certified Financial Planner to assist you in fine-tuning your portfolio to better align with your goals.

Regularly reviewing and rebalancing your portfolio ensures it remains optimized to weather market fluctuations and achieve long-term growth.

Remember, investing is a dynamic process, and adjustments may be necessary to adapt to changing market conditions and personal circumstances.

Keep up the good work with your investment journey, and feel free to reach out if you need further assistance or guidance. Your dedication to financial planning is truly commendable!

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Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 19, 2024Hindi
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Hello Sanjeev Sir, Hope you are in good health. I hve just started my investment through SIP in mutual fund . Would you plz advice me on my portfolio. Every month i invest 12k in the below funds . Canara Robeco small cap fund reg Edelweiss mid cap fund reg Hdfc focused 30 fund PGIM India mid cap opp fund SBI Contra fund Sundaram services fund . I have also recentky added Quant small cap fund growth regular plan SIP OF 3K . I want to invest another 10k in sip format plz suggest where should i invest.
Ans: It's fantastic to hear that you're diving into the world of investing through mutual funds. Let's discuss your portfolio and future investments.

Your current selection of funds shows a thoughtful approach to diversification across different segments of the market.

Adding a small-cap fund to your portfolio enhances diversification and potential for higher returns over the long term.

For your additional 10k investment, let's explore options that complement your existing holdings and align with your goals.

Large-cap funds offer stability and are ideal for investors seeking steady returns with lower risk.
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With diligence and patience, you're on track to achieve your financial aspirations.

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Ramalingam Kalirajan  |1460 Answers  |Ask -

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Sir, i am 42 years old and investing in mutual fund since last 3 years. Tata digital india fund 2000, Axis small cap 2000, Sbi blue chip fund 2000, Hdfc multi cap 2000, Kotak multi cap and Sbi multi cap 1200 step up by 200 every 6 months and recently started Sbi energy fund 1000. I can invest 5k more per month. Is this going well saving a 20 million fund for retirement after 18 years
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Your current investment strategy appears well-balanced, with allocations across different sectors and fund types.

Increasing your monthly investment by 5k further strengthens your position towards achieving your retirement goal.

Consider adding to funds that have performed consistently well and align with your long-term objectives.

Regularly reviewing your portfolio and rebalancing as needed ensures it stays in line with your risk tolerance and financial goals.

As you approach retirement, gradually shifting towards more conservative investments may be prudent to safeguard your capital.

Continue to stay informed about market trends and seek guidance from a Certified Financial Planner to fine-tune your strategy.

With discipline and persistence, you're on the right path towards building a substantial retirement fund over the next 18 years.

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Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hi I have invested 25k one time in parag parekh for 1 year as it is my first time in investing plus I'm planning to invest SIP 5K every month in motilal AND 50k i want to invest one time how do I do so ? It's my first time so I need advice.
Ans: Congratulations on taking the first step towards investing! It's great that you're seeking advice for your investment journey.

For your one-time investment of 50k, consider exploring diversified mutual funds or index funds that align with your risk tolerance and investment goals.

Look for funds with a track record of consistent performance and low expense ratios to maximize returns over time.

As for setting up SIPs, Motilal Oswal offers a range of mutual funds across different sectors. Select funds that suit your investment objectives and risk profile.

To initiate SIPs, you can visit the Motilal Oswal website or reach out to their customer service for assistance in setting up the monthly investment plan.

Ensure that you understand the terms and conditions, including the minimum investment amount, SIP duration, and associated fees.

Additionally, consider consulting with a Certified Financial Planner who can provide personalized advice tailored to your financial situation and goals.

Remember to regularly review your investments and adjust your strategy as needed to stay on track towards achieving your financial objectives.

Investing can seem daunting at first, but with the right guidance and approach, you'll be well-positioned to build wealth over time. Best of luck on your investment journey!

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Ramalingam

Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
Sir, i m 40 yrs old, have two children 11 & 9 years old. Monthly income appx 90000/- P. M. Investing in monthly sip (5 different sector) appx 18000/- p. M. From last 4 years and RD in bank 15000/- p. M. How much i have to invest more for children education and marriage expenses appx 75 lacs each Monthly expenses abt 40 to 50k. No home loan only one car loan 20 installment pending 9100/-
Ans: It sounds like you've been diligently investing in SIPs and RDs to secure your family's future, which is truly commendable.

Given your children's ages, planning for their education and marriage expenses is a prudent step forward.

To accumulate approximately 75 lakhs for each child's education and marriage, you may need to increase your monthly investments.

Considering your current commitments and expenses, allocating an additional amount towards these goals is essential.

Calculating the required monthly investment involves factoring in the time horizon, expected returns, and inflation.

A Certified Financial Planner can help tailor a plan suited to your specific needs and goals.

Adjusting your budget to accommodate higher monthly investments may be necessary to achieve your financial objectives.

Exploring options like increasing SIP contributions or diversifying your investment portfolio can accelerate wealth accumulation.

Maintaining a balance between meeting your current financial obligations and saving for future goals is crucial.

Regularly reviewing your financial plan and making necessary adjustments ensures you stay on track to achieve your objectives.

Your dedication to securing your children's future is admirable. With careful planning and perseverance, you'll undoubtedly succeed.

Keep up the excellent work, and remember that every rupee saved today is a step closer to a brighter tomorrow for your family.

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Ramalingam

Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I am planning to move to India from Australia with my family after living here foe 20 years. I have kept 1 crore for house & car which should be enough in my hometown. Can you please suggest where should I invest around 80 lakhs to get a monthly return of around 70- 80,000Rs.
Ans: Moving back to your hometown after two decades must stir up a whirlwind of emotions. It's commendable how you've planned ahead.

Your foresight in allocating a significant sum for housing and transportation showcases your prudent financial planning skills.

Investing 80 lakhs for a steady monthly return is a wise move to ensure financial stability and comfort in your new chapter.

As a Certified Financial Planner with 24 years of experience, I understand the importance of securing a reliable income stream.

Your goal of generating 70,000-80,000 Rs monthly from this investment is both reasonable and achievable with careful consideration.

Diversification is key. Explore a mix of investment options to mitigate risks and maximize returns over time.

Consider fixed deposits, mutual funds, bonds, and systematic investment plans (SIPs) for a balanced portfolio.

Mutual funds offer a variety of options catering to different risk appetites, making them suitable for long-term wealth creation.

Fixed deposits provide stability and predictable returns, ideal for securing a portion of your investment.

Bonds can offer steady income streams with lower volatility, complementing the risk-return profile of your portfolio.

SIPs allow you to invest systematically over time, harnessing the power of rupee cost averaging for potential higher returns.

Remember to assess your risk tolerance and investment horizon when choosing the right mix of assets.

Stay informed about market trends and economic developments to make informed decisions and adapt your strategy accordingly.

It's essential to periodically review and rebalance your portfolio to align with your financial goals and risk appetite.

With careful planning and diligence, I'm confident you'll achieve your desired monthly income target and enjoy a financially secure future.

Your proactive approach to financial planning is inspiring. Wishing you all the success in your new journey!

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Ramalingam

Ramalingam Kalirajan  |1460 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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I started Sip in three fund Motilal elss fund,parag elss fund, nippion small cap fund 1500 per fund past 1.5 year and started yesterday SBI contra fund 1500 it is good
Ans: It's commendable that you've been consistent with your SIP investments over the past 1.5 years! Let's take a closer look at your investment choices and the recent addition of SBI Contra Fund:

Motilal ELSS Fund and Parag ELSS Fund are Equity Linked Savings Schemes (ELSS), which offer tax benefits under Section 80C of the Income Tax Act. These funds primarily invest in equities and have a lock-in period of three years.
Nippon Small Cap Fund invests in stocks of small-cap companies, which have the potential for high growth but also come with higher risk due to their volatile nature.
SBI Contra Fund follows a contrarian investment strategy, aiming to invest in stocks that are currently out of favor in the market but have the potential for a turnaround in the future.
Adding SBI Contra Fund to your portfolio introduces a diversification element. The contrarian approach of this fund can complement the growth-oriented strategy of small-cap and ELSS funds.

However, it's essential to assess whether SBI Contra Fund aligns with your overall investment objectives, risk tolerance, and investment horizon. Consider factors such as the fund's investment philosophy, historical performance, fund manager expertise, and portfolio composition.

As always, it's wise to regularly review your investment portfolio and make adjustments as needed to ensure it remains aligned with your financial goals. If you're uncertain about the suitability of SBI Contra Fund or any other investment, consider consulting a Certified Financial Planner for personalized advice.

Overall, by diversifying your portfolio across different asset classes and investment strategies, you're positioning yourself well to navigate various market conditions and achieve your long-term financial objectives. Keep up the good work with your SIP investments, and continue to stay informed and proactive in managing your portfolio.

...Read more

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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