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Ashwini

Ashwini Dasgupta  | Answer  |Ask -

Personality Development Expert, Career Coach - Answered on Jun 26, 2025

Ashwini Dasgupta is a personality development coach and a neuro-linguistic programming trainer.
She has 15 years of experience training corporate professionals and has worked at Amazon, JP Morgan, Nomura and Satyam among others.
As a career coach, Ashwini specialises in helping growth-minded IT corporate managers develop their self-worth and create the right mindset so that they can achieve their career goals.
Besides corporate training, she offers personal consultations as well.
Ashwini holds a master’s degree in human resources from the Narsee Monjee Institute of Management Studies, Mumbai, and is a certified NLP trainer from the National Federation of NeuroLinguistic Programming, USA.
She has completed her soft skills training and image consultancy course from the Image Consulting Business Institute, Mumbai
Ashwini is also a PoSH trainer, certified by the Society for Human Resource Management.... more
Asked by Anonymous - Apr 29, 2025Hindi
Career

Hello My weakness is communication skills I can't talk but presentation is not that much . I am working in logistics as an executive. I want to improve my vocabulary presentation and grammar. This problem I am facing from childhood.. I want to come out from this issue.

Ans: Dear Sir/ Madam,

Focus on -
-Watch English news or Youtube channels lie-
Speak English with Mr.Steve
TalkEnglish.com
BBC learning English

-Improve grammer
Use apps like -Grammerly
British Council Learn English

- join online English courses
Coursera/ Udemy

Hope this helps. All the best

Thanks and Regards
Ashwini Dasgupta
Maverick Minds
www.ashwinidasgupta.com
Career

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Ashwini

Ashwini Dasgupta  | Answer  |Ask -

Personality Development Expert, Career Coach - Answered on Jul 17, 2023

Listen
Career
How to improve my English communication Fluency. I understand English but i Can't Speak, when i tried to Speak English i have faced lot's of Word Grammer, and thinking which word meaning come fast.
Ans: Hi Tapash,

Thank you for writing in.

Few Tips to get started.

Reading -Read English texts out loud to improve your pronunciation and rhythm. This exercise will also help you become more comfortable with the language.

Think in English: Most often we think in our native language and then we try to translate the same in English hence grammar mistakes tend to happen. Instead do the reverse try to think in English rather than translating from your native language. This practice will help you become more spontaneous and fluent in your communication.

Focus on Listening Comprehension: Improve your listening skills by regularly listening to English audio, such as podcasts, audiobooks, or TED Talks. Try to understand the main ideas and key points of what you're hearing. Listening is the first step to communication. This requires patience.

Build Your Vocabulary: Work on expanding your vocabulary by learning new words every day. Use vocabulary apps to help with memorization or open your oxford dictionary and learn new three minimum words. This way your vocabulary will increase and get better. This will avoid you from falling short of words.

Learn and Use Idioms and Phrases: English is rich in idioms and phrases. Learn common expressions and how to use them appropriately in different contexts to sound more natural and fluent.

Practice Speaking Regularly: Find opportunities to speak in English regularly. This could be with native English speakers, or even with yourself in front of a mirror. Practicing speaking aloud helps build your confidence and fluency.


Surround yourself with the language as much as possible. Watch English movies, TV shows, and videos, listen to English podcasts, and try to read books, articles, or news in English. Immersing yourself in the language will help you familiarize yourself with its nuances and vocabulary.

Opt for Professional help- You can also look at professionals who can help you with their courses. There are many experts around. If you are comfortable investing money on such courses then I recommend you do so.

Learning any new language including English requires practice and efforts. Requires consistent practice and exposure to the language. Accept that you are in the learning phase and you will get better with efforts.

Hope this helps. All the best

To Your Success. Be You. Be Confident.
Ashwini Dasgupta-Author of Confidence Decoded. Is it a Skill or Attitude?

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11151 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2026

Money
If I want to withdraw 1.5 lac per month, which SWP is better and how much should I invest in it?
Ans: It is very good that you are planning SWP (Systematic Withdrawal Plan) in advance. Planning monthly income properly helps protect your capital and gives stable cash flow.

To withdraw Rs 1.5 lakh per month, the correct SWP structure depends mainly on:

– your age
– investment horizon
– whether income is required lifelong or for limited years
– existing retirement corpus
– risk tolerance

Still, I will guide you with a practical structure that suits most long-term SWP income needs.

» How much investment is required to withdraw Rs 1.5 lakh per month

Normally, safe SWP withdrawal rate should be around:

– 6% yearly for very safe structure
– 7% yearly for balanced structure
– 8% yearly for growth-oriented structure

Based on this:

Approximate investment required:

– Conservative structure: around Rs 3 crore
– Balanced structure: around Rs 2.5 crore
– Growth-oriented structure: around Rs 2.25 crore

This allows income sustainability without early capital depletion.

If withdrawal period is limited (example 15 years), required corpus may be lower.

If income required lifelong, higher corpus is safer.

» Which mutual fund categories are best for SWP income

Best SWP income normally comes from a combination approach.

Ideal structure:

– 40% Multi asset allocation category fund
– 30% Balanced advantage category fund
– 20% Flexi cap category fund
– 10% Short duration debt category fund

This structure provides:

– income stability
– inflation protection
– market downside control
– long-term capital sustainability

Avoid using only pure equity category funds for SWP.

Avoid using only debt category funds also because inflation reduces value.

Combination approach works best.

» Why multi asset allocation category fund works well for SWP

This category invests across:

– equity
– debt
– gold

It adjusts allocation automatically and supports stable withdrawal planning.

Very suitable for retirement-style monthly income planning.

» Tax efficiency advantage of SWP

SWP is more tax-efficient compared to interest income.

Because:

– only capital gain portion is taxed
– equity mutual fund LTCG above Rs 1.25 lakh taxed at 12.5%
– debt fund gains taxed as per income slab

So proper category selection improves post-tax income.

» How to structure SWP correctly

Better approach:

– keep 2 years withdrawal amount in short duration debt category fund
– keep remaining corpus in multi asset + balanced advantage category funds
– review once per year
– increase withdrawal gradually based on inflation

This protects income continuity during market corrections.

» Important preparation before starting SWP

Before starting SWP ensure:

– emergency fund available separately
– health insurance active
– no high-interest loans pending
– nominee details updated

These steps protect retirement income stability.

» Finally

To withdraw Rs 1.5 lakh monthly comfortably, target corpus should ideally be between Rs 2.25 crore and Rs 3 crore depending on risk level.

Use combination of multi asset, balanced advantage, flexi cap and short duration debt category funds instead of relying on a single category. This improves income stability and protects capital for long-term sustainability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Nayagam P

Nayagam P P  |11050 Answers  |Ask -

Career Counsellor - Answered on Apr 22, 2026

Career
Namaskar, My son has got 93.60 percentile in JEE mains 2026 with General rank 100144 and OBC NCL rank 32618. I request you to kindly guide me can he get admission in SGSITS, Indore in CSE / IT / ETC branch having MP domicile or any other better option as per your recommendation.
Ans: Govind Sir, With 93.60 percentile, CRL 1,00,144 and OBC-NCL rank 32,618 (MP domicile), your son should try both MP BE counselling and JoSAA. For SGSITS Indore, recent MP-counselling data show General home-state closing ranks around CSE 18,410, IT 37,589, ETC 48,484 in 2025, so CSE looks difficult, IT is borderline, and ETC appears the most realistic; OBC-MP quota may improve chances somewhat. For JoSAA, at OBC 32,618, expect mainly lower-demand branches in mid/lower NITs, IIITs and GFTIs, not CSE/IT in top institutes. My recommendation: SGSITS ETC/IT first, then good MP colleges like IET-DAVV/JEC, while keeping JoSAA + CSAB as backup. (I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your son’s preferred institutions and branches during counselling). ALL the BEST for Your Son's Prosperous Future!

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