I'm a BA student in Economics and Political Science. Should I pursue Data Analytics despite my non-math background?

Ans: Dear Anonymous,
Kindly move far away from her and this situation. You cannot become the stop-gap or band-aid for the lady's marital discord. Someone who has begun to discuss their intimate moments with an outsider, needs a hard check on themselves. If she isn't able to sort out her issues and is now directing her attention onto you, it can be for your attention and validation. It's not a great space for you to be in as nothing you do will ever be enough and to top all that, imagine what it can do your friend...
So, stay away...safer...

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

Ans: Dear Anonymous,
Go back to your home with your baby and literally 'mind your own business'. I say this only because you seem to be spending time with things that don;t need your time. For instance: your breast=fed baby needs you more than what you parents did or did not do thinking, right?
Bring your attention to what is at hand and right now to keep your emotional sanity intact, I would suggest that you take some time-off of your parents, go back to your home and experience the joys of motherhood. That's utilizing your energy in a better manner. Makes sense?

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

Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

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

Ans: Hi, Amazon, Swiggy, and Zomato are companies where you can gain valuable job experience.

Hi Harish,
Kindly refine your question. You are posting on a platform with many experts who can provide suggestions based on their experiences and insights. Even Rediff selects its experts based on their profiles, and this process doesn’t happen overnight. Therefore, when posting your question, don't hold back or feel shy—ask openly.

Based on your query, it’s important to focus on your career rather than just looking for a job. Please refine your question and repost it. The Rediff gurus are ready to help you with answers.
ALL THE BEST.

Ans: plz share more details as how much did you apply for and how did you applied in QIB, plz rechk as this could be a scam.

Ans: The footwear industry is a competitive market and Relaxo is a good company but the price at which you have brought is too high. you need to hold for more 3yrs for the price to be back at 1050/-

Ans: NO, its just news based, long term sustainability is a question

Ans: its just news based, long term sustainability is a question

Ans: With a long-term investment horizon of 22 years, accumulating Rs 6–7 crores is achievable. It requires disciplined savings and strategic asset allocation.

Assessing Current Investments
You contribute regularly to PPF, VPF, and MFs, which is commendable.
Your existing corpus of Rs 25.23 lakhs (PPF, PF, FD, and MF) gives a strong start.
Rental income adds flexibility for investment, as it is a steady source.
Required Corpus and Growth
A corpus of Rs 6–7 crores in 22 years is realistic with consistent investing.
Equity investments can provide high growth for your long-term goals.
Fixed-income instruments (PPF, PF, FD) ensure stability but may need rebalancing.
Suggested Allocation for Corpus Growth
Allocate higher portions to equity for compounding and inflation-beating growth.
Continue PPF and VPF contributions for stability and tax benefits.
Increase equity MF investments gradually to balance the portfolio.
Improving Your Mutual Fund Portfolio
Your MF portfolio needs evaluation to align with your goals and risk tolerance.

Issues with Current Portfolio
Two index funds and a Bharat 22 FOF reduce your growth potential.
Index funds offer average returns, which underperform actively managed funds.
Actively managed funds can provide better returns with professional management.
Recommendations for Portfolio Adjustment
Exit index funds and Bharat 22 FOF. Redirect these amounts to high-performing equity funds.
Keep Parag Parikh Flexi Cap for its strong track record and diversification.
Retain Quant Small Cap for long-term growth potential, but monitor volatility.
ICICI Prudential Retirement Fund is acceptable, but evaluate its performance periodically.
Benefits of Actively Managed Funds
Active funds are managed by experienced professionals who aim to outperform benchmarks.
These funds adapt to market conditions and maximise growth opportunities.
A Certified Financial Planner can help select funds aligned with your goals.
Disadvantages of Index Funds
Index funds simply mirror the market and lack flexibility in stock selection.
They underperform in volatile markets as they cannot avoid poor-performing stocks.
Actively managed funds are better suited for long-term goals like retirement.
Taxation and Investment Planning
Review taxation rules to minimise tax liabilities on your returns.
Equity MF LTCG above Rs 1.25 lakh is taxed at 12.5%; STCG is taxed at 20%.
Debt funds are taxed as per your income slab, reducing post-tax returns.
Steps to Achieve Rs 6–7 Crore Corpus
Invest an additional Rs 15,000–20,000 monthly from your rental income in equity MFs.
Increase your SIPs annually by 10–15% to match income growth.
Maintain diversification across large-cap, flexi-cap, and small-cap funds.
Avoid over-allocation to low-growth instruments like FD and Bharat 22 FOF.
Monitoring and Reviewing Portfolio
Review your portfolio with a Certified Financial Planner every year.
Rebalance allocations based on performance and market conditions.
Exit underperforming funds and shift to better options when necessary.
Final Insights
Your goal of Rs 6–7 crores is attainable with disciplined investing and portfolio adjustments. Increase focus on equity funds for long-term growth while retaining stable instruments like PPF and VPF. Monitor your portfolio and seek professional guidance for optimal results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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