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Ashwini

Ashwini Dasgupta  |104 Answers  |Ask -

Personality Development Expert, Career Coach - Answered on Feb 06, 2024

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 - Dec 12, 2023Hindi
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Career

Hey ashwiki , i 25 year old with total 1 yr of experience. I did btech got job but as salary wasn't much , family suggested to go for mba . Did mba from tier-3 college now all i getting a sales job of 10-15k. Took one year gap to learn data analysis developed few real time peojects still not getting shortlisted. What to do i am damn confused and depressed please reply fast

Ans: Dear Sir/ Madam,

Sorry for the delay in reply

Few aspects you may look at -

Self Reflection-do a swot analysis on your skills. This will help you identify your strengths and what you are passionate about and if it aligns to your career goals
Networking
Optimize Linkedin platform. Join groups, connect with people.
Mention on your linkedin profile- open for jobs
Visit websites like glassdoor which will help you give insights on various organizations salary bands and culture. This can be a reference point to start your job hunt.
Mean time keep enhancing your skills
Take up freelancing work/ contract work
Shortlist companies you want to work with. Rework on your job search strategy
Seek help of recruitment agencies they are connected with almost every organization
Prepare on interviews so you can give your best
Attend job fair and events
Reach to HR's on linkedin

Hope this helps

Thanks
Ashwini Dasgupta
Author of Confidence Decoded. Is it a Skill or Attitude
Career

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Patrick

Patrick Dsouza  |1015 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on May 07, 2024

Asked by Anonymous - May 02, 2024Hindi
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Career
I am 23years old male living in kolkata and a bcom general graduate with 73.52% in 2022, after that i taken gap years for mba entrance preparation but not able to crack or get desired percentile in any. Currently in 2024 i am repeating again for mba entrances to secure admission in 2025. I have no work or internships experience, no awards or certifications. I got 51.17 in 12th commerce and 54.71 in 10th. I got only a digital marketing beginner certification by google digital garage earlier on 2023. Currently i taken a digital marketing course from udemy of digital marketing to hone and develop the required skills I have been searching and applying for jobs since graduating but not able to get any desired one. Now i want to get into a good mba college tier 2 because may not eligible for tier 1 and 1.5 as per my profile but i will try anyways. So for that i need to make my profile good and need certifications and jobs or internships. I interest in sales, marketing, more but also Hr domain. But nowadays i am only getting Inssurance sales, bpo, telecaller or telemarketer, Kpo, sustomer support type jobs of around avg salary of 150000 pa. Which a 12th pass candidate also getting. I often thinks to get into bpo to gain experience and money to fill my profile and manage preparation expenses but also fear that what if i get stuck in that industry. I wanted to do mba to enchance and start my career in a management role to achieve a leadership role in upcoming years as a professional in sales and marketing industry. I don't know, i think i am stucked and lost in spiral web between situations and aspiration. I also thinking to get into banking or try govt. Exams to secure a job but i also feel that it will distract me more from my real life goals. I was not a great student or person earlier but now i am changed i know my responsibilities and i know my goals but i want a clear view to walk on that path. Please help with your genuine guidance. THANK YOU
Ans: My suggestion would be to work in sales along with your preparation for MBA entrance. Sales experience could help you to get better job during your placements and could also help you in your interview stage during admission process.

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2025

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Money
I am 51 years want to park 10 L recieved from LIC. I have Nippon liquid and Axis Short term funds. Where should I keep this,in these debt fund or some other for max return and least risk . Or some balanced advantage funds?
Ans: Since you're 51 years old and the Rs. 10L is from an LIC maturity, I’ll assess this from a 360-degree perspective with low risk and reasonable return focus.

Let us structure this under simple and clear headings:

Understand the Nature of the Rs. 10L
This is a one-time amount, not a regular income.

So, capital protection is important.

Also, some growth is expected, but not with high risk.

Evaluate Your Existing Funds
Nippon Liquid Fund is very low risk.

Good for short-term parking, like few months.

Returns are around 5.5% to 6% yearly.

You can use it if you need money anytime soon.

Axis Short Term Fund is slightly better return.

Slightly higher risk than liquid fund, but still low.

Returns can be around 6% to 7% yearly.

Suitable if you are okay to stay invested for 2-3 years.

Should You Switch to a Balanced Advantage Fund?
These funds invest in both equity and debt.

They adjust the mix based on market conditions.

They give better return than debt if held for 3-5 years.

But, they carry moderate market risk.

Return range can be 8% to 10% per annum.

Not guaranteed, but historically stable.

Suitable if your risk tolerance is moderate.

Also, you must stay invested for at least 3 years.

What You Can Do Now (Allocation Suggestion)
Here is a simple, low-risk and flexible suggestion:

Rs. 2L in Nippon Liquid Fund: For immediate needs.

Rs. 4L in Axis Short Term Fund: Safe with better return.

Rs. 4L in Balanced Advantage Fund (via MFD with CFP): For better growth.

Choose an actively managed regular plan.

Avoid direct plan. They lack support and monitoring.

Regular plans offer advisor support and rebalancing guidance.

Why Not Direct Plan?
Direct plans look cheaper.

But they don’t guide you during market falls.

Many investors panic and exit early.

This leads to poor returns.

With MFD + CFP support, you stay invested longer.

Long-term behaviour matters more than cost.

Why Not Index Funds?
Index funds blindly follow the market.

No protection during market fall.

No fund manager to adjust strategy.

Active large-cap or balanced funds adapt better.

At your age, protection is more important than chasing index.

Important Tax Point
Debt funds and balanced advantage funds are taxed as per income tax slab.

If you hold for 3+ years, tax is less due to indexation benefit in earlier rules.

But now, for debt funds, tax is same as your slab.

So, choose based on your tax slab also.

But do not let tax alone decide. Safety is first.

Final Insights
Your Rs. 10L should grow slowly and stay safe.

Split into 3 buckets: short-term, mid-term, and medium-risk.

Liquid fund for liquidity.

Short-term debt for capital stability.

Balanced advantage for gentle growth.

This mix gives you flexibility, return and low risk.

Please review once a year with a Certified Financial Planner.

He/she will help you shift the mix if your goal or market changes.

No need to chase high returns. Protect capital, grow steadily.

You already took a right step by asking before investing.

That clarity helps avoid mistakes.

With this structure, your money can stay safe and still grow.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...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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