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Harsh

Harsh Bharwani  |69 Answers  |Ask -

Entrepreneurship Expert - Answered on Jul 04, 2023

Harsh Bharwani is a fourth generation entrepreneur.
As CEO and managing director, he leads the international business and employability initiatives at the computer networking institute, Jetking Infotrain Limited.
After graduating from Delhi University, Bharwani joined the family business in 2010 and set up operations in the US and Vietnam.
He has trained over three lakh students in employability, confidence and key life skills.... more
Rajarshi Question by Rajarshi on Jun 26, 2023Hindi
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Career

Hello Sir, I want to start imparting education on financial market online and offline as well. Will it be a good proposition off late where lot of contents are freely available for consumption on social media platforms?

Ans: Hello! Starting to impart education on the financial market, both online and offline, can still be a good proposition, despite the abundance of freely available content on social media platforms. Here are a few points to consider:
1. Unique Perspective and Expertise: Even though there is a lot of information available online, your unique perspective, expertise, and teaching style can attract learners who resonate with your approach. Providing valuable insights, practical examples, and personalized guidance can differentiate your educational offerings from the generic content available.
2. Credibility and Trust: Building credibility and trust with your audience is crucial. Establishing yourself as an authority in the field by demonstrating your knowledge and expertise can make learners more likely to choose your courses over the vast array of content available on social media.
3. Structured Learning Experience: Many learners prefer a structured learning experience that progresses in a logical and organized manner. By designing comprehensive courses or programs, you can provide a step-by-step learning journey, ensuring learners gain a solid foundation and develop a deep understanding of the financial market.
4. Interactivity and Personalization: One advantage of online and offline education is the ability to engage with learners directly. Offering interactive elements such as live Q&A sessions, case studies, quizzes, or one-on-one coaching can enhance the learning experience and provide value beyond what freely available content can offer.
5. Targeted Audience: Identify your target audience and their specific needs. Tailor your content to address their pain points, challenges, and goals. By focusing on a niche within the financial market, you can attract learners who are specifically interested in that area and willing to invest in specialized education.
6. Marketing and Branding: Establishing a strong brand and marketing your educational offerings effectively is essential. Develop a professional website or platform to showcase your courses, testimonials, and success stories. Leverage social media platforms, email marketing, and partnerships to reach your target audience and build a community around your educational brand.
7. Continuous Learning and Adaptation: The financial market is constantly evolving, so it's crucial to stay updated with the latest trends, regulations, and strategies. Continuously improving and adapting your courses based on market changes will help you provide relevant and valuable education.
Remember, while there is a wealth of free content available, many individuals still prefer structured, expert-led, and personalized learning experiences. By offering unique perspectives, establishing credibility, and providing value beyond what is freely available, you can create a successful proposition in the financial market education space. Good luck with your endeavors!
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Hi Sir/Madam, Kindly request you to please guide in Finance and Accounts sector which is the best course certification or any training or course to do online if the individual man has a career gap of 3 years with 2.5 years of experience with only B.com degree. Kindly request you to please guide has I need the job very urgently. Kindly request you to share list of important course or certifications through online to get a job has a analyst or Executive or associate in management Level. Thanks and Regards.
Ans: Coursera and LinkedIn Learning offer various certifications in accounting and finance, including Tally ERP 9 or TallyPrime, QuickBooks Online, Analyst for Financial Modeling and Valuation (FMVA), First Level of Chartered Financial Analyst (CFA), GST Certification Course on Tax & Compliance, Tax Filing Course, and SAP Financial Accounting and Controlling (SAP FICO). Coursera also provides Excel Skills for Business and Power BI and Tableau courses for data visualization.

To update your resume, focus on your B.Com degree and work skills, list desired licenses, start freelance or internship projects, use networking to connect with finance and accounting candidates on LinkedIn, and improve your "soft skills" to improve communication, time management, and problem-solving abilities. These certifications and skills will increase your chances of getting a job quickly and look good on your resume. By incorporating these certifications and skills, you can increase your chances of success in the finance and accounting industry. All The Best for Your Prosperous Future. Follow RediffGURUS to Know More on 'Jobs|Education|Careers'.

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Then doctor asked her why she stopped and what I said, my wife said that he is asking for female staff and doctor said “I am a doctor and I am not having female staff and there is nothing male and female in doctor’s consultation” my wife got convinced and told me that we are continuing with this doctor and I also shaked my head as consent sign but not aware with the upcoming surprise and then she open her upper body part and doctor did the check up by pressing or whatever doctor does. And I was not ready for this So, I am still in trauma due to this, but I don’t want her to show her body to any male doctor. That picture comes again and again in my eyes. I don’t want to break my relation with wife, because we married 20 years before and we have 2 daughter and I love her too much. But she has disobeyed me and obeyed that doctor. I am in a trauma. What should I do to come out of this trauma. Please let me know.
Ans: To address your trauma, start by having an open and honest conversation with your wife about your feelings. Express your emotions calmly, without blame, so she can understand the depth of your discomfort and help you work through it. It's also crucial to recognize that trust and mutual respect are fundamental in any relationship. Your wife’s decision was likely driven by her need for medical care, not a desire to hurt or disobey you.

Consider seeking professional help for yourself. A therapist or counselor can provide a safe space for you to explore these feelings, work through the trauma, and develop strategies to cope with intrusive thoughts. They can also help you understand the importance of medical privacy and the necessity of certain procedures, which may ease your discomfort over time.

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Ramalingam

Ramalingam Kalirajan  |7548 Answers  |Ask -

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Asked by Anonymous - Jan 17, 2025Hindi
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I'm 35 years old. I want to invest INR 65000 for retirement at 50 years old. My current expenses 65000 per month. Please guide me.
Ans: Retiring at 50 with your current lifestyle requires a carefully crafted investment strategy. Here’s a detailed guide tailored to your goal.

Step 1: Define Retirement Corpus Requirement
Current Monthly Expenses: Rs. 65,000.
Inflation Adjustment: At 6% inflation, your expenses will increase significantly by 50.
Retirement Corpus: The corpus must sustain you for at least 30+ years post-retirement.
Lifestyle Goals: Include travel, medical emergencies, and aspirational expenses in calculations.
Step 2: Asset Allocation Strategy
A balanced mix of equity and debt instruments can help grow your wealth steadily while minimizing risks.

1. Equity Mutual Funds (70% Allocation)
Why Equity? High growth potential to beat inflation over the long term.
Recommended Categories: Flexi-cap, mid-cap, and large-cap funds.
SIP/Investable Amount: Invest Rs. 45,500 monthly in equity mutual funds.
2. Debt Instruments (30% Allocation)
Why Debt? Stability and regular income during volatile markets.
Recommended Options: PPF, short-term debt mutual funds, or NPS (Tier I).
SIP/Investable Amount: Allocate Rs. 19,500 monthly.
Step 3: Include Inflation Protection
Inflation reduces the value of money significantly over time.
Your retirement corpus should grow faster than the inflation rate.
Equity exposure helps overcome inflation impacts effectively.
Step 4: Ensure Tax Efficiency
1. Equity Mutual Funds
Tax Rules: Long-term capital gains (LTCG) above Rs. 1.25 lakh taxed at 12.5%.
Action Plan: Use annual redemption to manage gains below taxable limits.
2. PPF and NPS
Tax Benefits: Both offer tax-saving benefits under Section 80C.
Lock-in Period: Ensure alignment with your retirement timeline.
Step 5: Emergency Fund Creation
Build an emergency fund equivalent to 12 months’ expenses (Rs. 7.8 lakh).
Park it in liquid funds or a high-yield savings account for quick access.
Step 6: Health and Risk Coverage
Health Insurance: Ensure adequate coverage to avoid depleting investments during medical emergencies.
Life Insurance: Use a term plan to secure your dependents until you achieve your retirement goal.
Step 7: Regular Portfolio Reviews
Review your portfolio every six months.
Rebalance based on performance, changing goals, and market conditions.
Seek advice from a Certified Financial Planner for optimized asset allocation.
Step 8: Additional Recommendations
Avoid Real Estate: Illiquid and high transaction costs make it unsuitable for your timeline.
Avoid Direct Investments: Opt for regular plans via mutual fund distributors guided by a CFP.
Diversify Investments: Explore international mutual funds for added growth.
Step 9: Incremental Contributions
Increase your SIP amount annually by 10-15% to align with income growth.
This ensures your corpus grows significantly over time.
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Achieving financial independence by 50 is ambitious but achievable. Consistency in investments, inflation-adjusted growth, and regular reviews are critical. Focus on disciplined execution of the outlined plan for a secure and fulfilling retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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