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Nayagam P

Nayagam P P  |10843 Answers  |Ask -

Career Counsellor - Answered on Oct 14, 2025

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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Mithun Question by Mithun on Oct 14, 2025Hindi
Career

Hello Sir, i wanted to know ,between B tech in NIT Surathkal ( Computational Data Science), and B tech in DJ Sanghvi ( Data Science and AI), which is a better prospect ,both in curriculum structure and placements. Thank you.

Ans: Mithun, NIT Surathkal's B.Tech Computational and Data Science program started in 2022 with a strong mathematical foundation and interdisciplinary curriculum combining scientific computing, machine learning, and statistical modeling under the Department of Mathematical and Computational Sciences. DJ Sanghvi's B.Tech AI and Data Science, established in 2021, offers comprehensive coverage of artificial intelligence, machine learning, and big data analytics with industry-focused practical training. Both programs are relatively new with limited placement data history. NIT Surathkal's overall placement rate consistently exceeds 90-100% with top recruiters like Microsoft, Amazon, and Google offering packages ranging from 12-55 LPA across departments. DJ Sanghvi maintains 96% placement rate with AI-DS branch achieving 56% placement (37 out of 66 students) and median salary of 8.10 LPA, while computer science branches demonstrate stronger performance. The curriculum structure reveals NIT Surathkal emphasizes mathematical rigor with 160 credits including advanced topics like cryptography, reliability theory, and scientific computing, whereas DJ Sanghvi focuses on practical AI applications with courses in large language models, semantic web, and industry-relevant technologies. NIT Surathkal benefits from established NIT brand recognition, superior infrastructure, research opportunities, and stronger alumni networks, while DJ Sanghvi offers Mumbai location advantages and direct industry connections.?
NIT Surathkal B.Tech Computational and Data Science represents the superior choice due to prestigious NIT brand value, stronger mathematical foundation, established placement ecosystem, better long-term career prospects, and comprehensive research opportunities despite both programs being newly established. All the BEST for a Prosperous Future!

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Asked on - Oct 14, 2025 | Answered on Oct 15, 2025
Thank you so much Sir for your detailed reply.
Ans: Welcome Mithun.
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Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

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Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise.
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |367 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Nov 19, 2025

Money
Dear Sir I hope you are doing well. I am seeking your independent opinion on a proposed switch of my existing Bajaj Allianz Goal Assure funds into the Nifty 500 Multicap Momentum Quality 50 Index Fund. My insurance advisor has recommended moving my entire current corpus (~₹10.3 lakh) into this fund gradually at ₹2 lakh per year. For your reference, here are the details of my current portfolio and SIP plans: Current Portfolio (as of latest statement): Fund Name Current Value (₹) Bond Fund 83,226.67 Equity Growth Fund - 2 1,88,982.12 Accelerator Mid Cap Fund - 2 36,080.50 Pure Stock Fund II 6,45,281.48 Small Cap Fund 51,194.39 Midcap Index Fund 29,979.86 Total Portfolio Value: ₹10,34,745.02 Current SIP Allocation (₹10,000/month): Accelerator Mid Cap Fund II: 2,700 Equity Growth Fund - 2: 3,000 Pure Stock Fund II: 2,300 Small Cap Fund: 2,000 Given my long-term investment goal (2035), I would like your expert advice on the following: The impact on portfolio diversification and risk if I move my entire corpus gradually into the Nifty 500 Momentum Fund. How this switch could affect the return of charges feature in my Goal Assure plan. Whether you would recommend a full switch as suggested, or a partial allocation, and why. Expected volatility and downside risk, especially considering the last 1-year market performance. Any hidden conditions or costs associated with this switch. I would greatly appreciate your independent and detailed guidance to help me make an informed decision. Thank you for your time and expertise
Ans: Hi Rudolf,

Your current holding funds are not that great keeping in mind your time horizon and funds performance. If you keep investing in these funds, much return cannot be expected. Hence switch is necessary into good performing funds which can easily give you a return of 14-15% on an yearly basis.

The entire shift will definitely come with additional cost and taxes for you to pay but it will be better to shift now and move to better performing funds than keep invested in funds like these.

Funds like Assure Funds comes with very high hidden costs and commissions and there are much much better funds out there for loong term investment. One should never consider investing in funds like these.

However, it would be wise not to consult an Insurance Advisor for your investments. An insurance advisor is completely different from Investment Advisors. You should seek the help of a good professional who can help in choosing funds for your long term portfolio. A Certified Financial Planner (CFP) can help you with this regard.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

Asked by Anonymous - Nov 11, 2025Hindi
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Dear madam I have this suitaution in my life. Plz do guide me with this. So i have 2 married sisters and a brother with who i dont get along well. We used to be close back then. Later on my father passed away and then i got busy searching work. After getting work i got carried away with my newly found friendship with a boy i started spending much on him rather then my family. But still then i never neglected my family every kind of help i tried to give them. In the meanwhile i used to take care of my bedridden grandmother who used to stay in another state. Then my second sister started feeding everyone's mind against me saying i dont help them with money and i spend most on my grandmother and cousin. Though my sister were earning well still they waited me to spend on them which i stopped by then as they were earning. And there used to be a real good fight with my sisters and me regarding money issue and als my marriage thing and i gave them bitter words and also curses which i regret to this day thinking how could i do hated thing to my family .In next few years my sister got married but my second sister never invited me for her marriage and did all her wedding plans in my absence and i als never attended her wedding. I attended my 3rd sister wedding. After that my second sister plotted a plan against me by taking everyone on her side and kept me out of all the family functions. I just ignored them and decided to never to get bothered by any of this. Now the problem my 3rd sister is pregnant and they have planned a babyshower and like they are just telling me to attend it. To be honest they just told me a day before the function. How to handle this. Should i attend? And how to deal with such kind of people they seem to take advantage of my helpless. Please guide me on how to become a strong girl while taking desicion.
Ans: Dear Anonymous,
Learn the skill of staying away from all this drama. If you felt secure with who you are, you wouldn't think much whether you got invited or not. Do remember, people will be on your side sometimes and not on your side at other times. This goes for friends are family; so learn to be comfortable with that...
What you did for your grandmother is a choice that you made; why expect anything in return?
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Real strength is not in fighting it out but knowing when to walk away from constant drama.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu Krishna  |1735 Answers  |Ask -

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