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Nayagam P

Nayagam P P  |11154 Answers  |Ask -

Career Counsellor - Answered on Jun 03, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Rakesh Question by Rakesh on Jun 02, 2024Hindi
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Career

Hello Rohit - My son is studying in class 12th and is meritorious student. Apart from JEE what engineering colleges entrance exams are available for him?

Ans: Rakesh Sir,

Apart from JEE, there are multiple Entrance Exams your Son can appear in, to get admission into any one of the top-ranked University / College all over India.

It depends upon a number of following factors:

1) His Interest, Aptitude, Attitude, Personality Traits & his Orientation Style.
2) He is interested in which Stream / Branch to build his Career (Computer, IT, Design, Architecture, AI & ML, Aerospace through Indian Institute of Technology, Electronics, Electrical, Civil, BioTech etc.)?
3) If your son is interested to join any one of the top-ranked Private Colleges of your State (or) other States, he can appear for the Entrance Exams of the same.
4) As you have mentioned that he is a meritorious student, getting admission into any one of the reputed University / Institute / College won’t be an issue for you.

Now itself, shortlist around 10-15 reputed University / College and also the Stream / Branch he is interested in.

Know the Admission Process for each University / College and apply in advance.

NO need to prepare separately for each Entrance Exam as he is already preparing for JEE. He should only know the Exam Pattern and attempt previous 10-years Question Papers to boost his confidence.

Hope the above information is helpful to you, Sir, for your Son.

If you need any other clarifications for you or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST for your Son’s Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/
Career

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Nayagam P

Nayagam P P  |11154 Answers  |Ask -

Career Counsellor - Answered on Jun 17, 2024

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Hello sir My son is in 12th class this year and preparing for JEE exam. Kindly suggest in addition to JEE any other entrance exam for engineering
Ans: Virendra Sir. I hope your son has joined Coaching Center for his JEE. As you prefer to have back-ups apart from JEE (NITs, IITS, GFTI & IIITs), here are some other suggested Entrance Exams along with JEE: (1) State Entrance Exams and / or Top-3 Private Colleges' Entrance Exams in your / nearby States (2) If you prefer to apply in South also, COMEDK (of Karnataka) is another better option as it is open to Students all over India. (3) IAT Exam for admission into IISER if your daughter is interested in Research (4) PESSAT (of PES University) in Bengaluru (4) CUET for Central Universities all over India. It is advisable for her to appear in, minimum 5-Entrance Exams. This will enable your daughter to have a lot of options to choose the best & most suitable College along with the Stream she prefers. Give importance to Location of the College Also. And, please AVOID forcing her to join the College / Stream which you prefer. All The BEST for your Daughter's Bright Future, Sir. To know more on ‘ Careers | Education | Jobs | Resume Writing | Profile Building | Salary Negotiation Skills | Building Professional LinkedIn Profile | Choosing Right School Board (State | Matriculation | CBSE | ICSE |International Board) | Student Psychological Counselling | Exam Preparation Techniques (Board | Entrance & Competitive)| Strategies to Attempt Exams | Job Interview Skills | Skill Upgrading | Parenting & Child Upbringing Skills | Career Transition | Abroad Education | Education Loan (India | Abroad) | Scholarship (India | Abroad) | SOP Writing Tips’, please FOLLOW me in RediffGURU here.

Nayagam PP |
EduJob360 |
CERTIFIED Career Coach |
https://www.linkedin.com/in/edujob360/

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Nayagam P

Nayagam P P  |11154 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2026

Asked by Anonymous - Apr 26, 2026Hindi
Ramalingam

Ramalingam Kalirajan  |11157 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2026

Money
I am in SWP segments drawing from my corpus. I understand that SWP is fixed amount but when years go required amount should also go, so can set SWP in units instead of SWP in amount Please guide
Ans: You are thinking in the right direction. Your understanding is practical. Income should grow with time, not stay flat. That is a very important insight.

» Understanding SWP – Amount vs Units

SWP in fixed amount means you withdraw same Rs value every month
SWP in units means you redeem a fixed number of units

Reality:

Mutual fund platforms mainly allow SWP in amount, not in units
So unit-based SWP is not a standard option

» Challenge with Fixed Amount SWP

Your expenses will increase due to inflation
But SWP amount remains constant unless you change it

Result:

Your real income reduces over time
Purchasing power goes down

» Why SWP in Units is Not Ideal Anyway
Even if it was available:

Market goes up → you withdraw more money than needed
Market goes down → you withdraw less money when you need more

So income becomes unpredictable
This is not suitable for regular expenses

» Better Approach – Step-up SWP Strategy
Instead of units, follow this:

Start SWP with a comfortable amount
Increase SWP every year by 5% to 7%
This matches inflation and lifestyle increase

Example approach:

Year 1: Rs X per month
Year 2: Rs X + 5%
Year 3: Rs X + 5%

This gives:

Stability
Growth in income
Better control

» Bucket Strategy – More Stability
Divide your corpus into 3 parts:

Short-term (0–3 years expenses)
Keep in low-risk or liquid funds
Use this for SWP
Medium-term (3–7 years)
Balanced funds
Long-term (7+ years)
Equity funds

How it helps:

You don’t depend on market timing
You avoid selling equity in bad markets
Your income becomes stable

» Practical Execution

Run SWP only from short-term bucket
Refill this bucket once a year from other buckets
Review SWP amount annually and increase

» Tax Efficiency Insight

SWP is tax-efficient
Only capital gain portion is taxed
Long-term equity gains above Rs 1.25 lakh taxed at 12.5%
So gradual withdrawal is better than lump sum

» Finally

SWP in units is not required and not practical
Fixed SWP with annual increase is the right method
Use bucket strategy to protect income
Review once a year, not too frequently

This way, your income will grow, remain stable, and last longer.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

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