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Aashish Sood | Answer |Ask -Follow

CAT, Management Expert - Answered on May 30, 2024

Aashish Sood is an IIM-Lucknow alumnus who has been teaching maths and quantitative aptitude to MBA aspirants for over a decade.
He also mentors management student hopefuls for the group discussion and personal interview rounds that follow competitive examinations.
He has appeared for CAT seven times since 2016 and scored in the 99.9 percentile.
Sood has 16 years of work experience as a management consultant, strategy consultant and research associate.... more

Asked by Anonymous - May 30, 2024Hindi

Career

Hii .I'm a PSU bank manager. I have experience of 12 years. I m frustrated by the torture in banking these days. I m d only bread winner in family. I m slowly degrading my mental as well as physical health.Please advise me for some career switch option

Ans: I'm sorry to hear about the difficulties you're facing in your current role. It's crucial to prioritize your mental and physical well-being, and considering a career switch can be a step toward a healthier and more fulfilling professional life.

Reflect on your skills, interests, and what aspects of your current job you enjoy or excel at. Consider taking a career assessment test to identify potential career paths aligned with your strengths and interests.

Use your banking experience to become a financial advisor or wealth manager. This role allows you to work closely with clients to manage their finances, investments, and retirement planning. You can transition to a corporate finance role within a company, focusing on financial planning, analysis, and management. You may decide to leverage your banking experience to move into risk management or compliance roles, focusing on ensuring organizations adhere to regulations and manage risks effectively.

If you enjoy mentoring and educating others, consider teaching finance, banking, or business management at educational institutions.

If you have a business idea or passion project, consider starting your own business. This allows for more control over your work environment and schedule.

You can use your extensive experience to become a consultant in banking, finance, or business operations. Consultants often have more flexible work arrangements and can work on diverse projects.

Switching careers can be daunting but also rewarding if it leads to a healthier and more satisfying professional life. However, with your experience, it should be a fairly simple thing for you to do.

Prioritize your health, do thorough research, and make a strategic plan to achieve a successful career transition.

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Krishna Kumar |378 Answers |Ask -Follow

Workplace Expert - Answered on May 07, 2024

Question by shashavali - Apr 29, 2024Hindi

Career

I was doing job in icici bank have one year experience in phone banking as customer executive but recently I quit job , but currently I don't feel like which career option to choose after quitting job I already wasted 4 months my age is 30 I have no financial stability , no skills , I am not getting any idea what skills to learn kindly help me with your suggestions I have became lazy and got struck in a rut please help

Ans: Hello Shashavali

Careers are like marathon, not a sprint. Also there are good days and bad days.

Suggest you start with telemarketing companies as you have experience in the industry, give your best and you will grow steadily.

Siting and thinking what to do will not help, for you will spin your own mental cob webs. When you take action you know what is working and what is not. Its like driving a car, when you drive you know whether to increase or reduce the speed, take a turn, even u-turn. Just sitting and looking at the map wont take you anywhere.

All the best.

Pradeep Pramanik | Answer |Ask -Follow

Career And Placement Consultant - Answered on Sep 10, 2024

Asked by Anonymous - May 02, 2024Hindi

Career

I am 34 years having 10 years experience in PSU banking and previously 2 years experience in IT. I feel I have wasted my 10 whole years in PSU banking and I have npt learned much. Now I want to move to a good career. What can I do?

Ans: Dear ,

Sorry to note that You are repenting having worked for PSU Bank for around 10 yrs then for an IT company for 2 yrs. And now want to restart a good Career .. Pl. note no experience is small or useless provided you could use it . Now when you want to start a fresh , every where you have to say what you had been doing in those years . Pl. note there is nothing called Good Career whereas there is nothing called bad one . It all depends how you are going to take advantage and move ahead .

Krishna Kumar |378 Answers |Ask -Follow

Workplace Expert - Answered on May 30, 2024

Asked by Anonymous - May 13, 2024Hindi

Career

Hi, I am Seema(35yrs). I have 8yrs working experience in a psu bank due to my health issues and non flexible transfer issues I resigned before 1.5Yrs. I would like to know what other career options I have other than banking which would be the best career for me to switch. To do a masters in psychology or join software industry. What would be the suitable courses for me. Thank you

Ans: Hello Maam

All options as mentioned by you are open, however every option has its own pros and cons.

For eg Masters in Psychology would be mean starting fresh.

Your banking experience would be of help in software company but then again you will have to spend long hours.

Suggest you ask yourself what you want to do given your health constraints if any and then take a call.

All the best

Patrick Dsouza |822 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on May 20, 2024

Asked by Anonymous - May 20, 2024Hindi

Career

Sir i have 218 year exp in banking in pvt bank as senir manager i want to upgrade my skill what to do next bout not able to leave job

Ans: Could look for correspondence MBA course or preferably some leadership course that are offered by some of the top management schools.

Latest Questions

Patrick Dsouza |822 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Oct 08, 2024

Asked by Anonymous - Sep 20, 2024Hindi

Career

Hello, I have completed BCOM degree specialised in accounting and finance also has certificate of US CMA thinking of continuing MCOM in India. Later I want to go abroad. Could you recommend what can I study further or should I apply for jobs there?

Ans: Mcom in India is not very useful. Can help to complete 16 years of education for US universities. To go to US, do both - apply for job and for studies. Wherever you get better option can take it up.

Patrick Dsouza |822 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Oct 08, 2024

Asked by Anonymous - Oct 07, 2024Hindi

Career

I am in 2nd year (3rd semester )of MBA in healthcare management .I don't want to study further .What should I do ?

Ans: Look for jobs in your area. Contact your alumni, contact some placement agencies, look out for openings in the companies that you are interested in.

Patrick Dsouza |822 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Oct 08, 2024

Asked by Anonymous - Oct 08, 2024Hindi

Career

Hi krishna, I wana restart my career and i need an advise. Hope you can try to help me! Im 30 now, I persuaded my btech csc and passed out year was 2015. After that i did two years a small job in bpo and then im married and left the country with my husband, after 2 years i had a baby and corona time, all these years i was busy with personal life and stuff. And now we are back to hyd and wana start my career but i have never been interested in IT career , since i did a graduation in that my family is forcing me to join in that field again which i cant, iam always interested in studying mba in abroad and none are encouraging me because i have a kid... and now i dont know what to do... its really hard for me now to choose what to do ... if you can please give a word for me, thanks

Ans: One option would be to do some short term courses like Digital Marketing or on Finance that could fetch you job in those areas. Another option would be to do correspondence professional courses like CFA and simultaneously work in that area.

Moneywize |166 Answers |Ask -Follow

Financial Planner - Answered on Oct 08, 2024

Asked by Anonymous - Oct 06, 2024Hindi

Money

I’m Suresh from Ahmedabad. I’m 47 with one daughter, aged 15. I’ve been investing Rs 50,000 a month in equity mutual funds for the last 5 years. My goal is to accumulate Rs 2 crore for my daughter's education and our retirement. Am I on track, or do I need to adjust my portfolio?

Ans: Let's analyze your investment scenario and suggest possible adjustments:

Current Situation:

• Investment: Rs 50,000 monthly in equity mutual funds
• Tenure: 5 years
• Goal: Rs 2 crore for daughter's education and retirement
• Time Horizon: Assuming retirement in 20 years (when your daughter is 35)

Analysis:

• Accumulated Amount: Considering an average annual return of 12% (which is reasonable for equity funds over a long term), you would have accumulated approximately Rs 58.5 lakhs after 5 years.
• Gap to Goal: To reach Rs 2 crore in 15 years (remaining till retirement), you'd need an annual return of around 15%, which is achievable but might involve some volatility.

Recommendations:

• Increase Investment: To bridge the gap and account for potential market fluctuations, consider increasing your monthly investment by 15-20% to Rs 60,000-65,000.
• Review Portfolio: Ensure your equity fund portfolio is well-diversified across different sectors and market caps. This helps mitigate risk and capture potential growth opportunities.
• Consider Debt Funds: As your retirement nears, gradually allocate a portion of your investments (around 20-30%) to debt funds or hybrid funds. This provides some stability and reduces overall risk.
• Emergency Fund: Maintain an emergency fund of 3-6 months of your expenses in a liquid savings account or short-term debt funds to cover unexpected expenses.
• Regular Review: Review your portfolio periodically (at least annually) to assess its performance against your goals and make necessary adjustments.
• Remember: Investing in equity funds involves market risk, and returns are not guaranteed. It's essential to stay disciplined, invest for the long term, and consult with a financial advisor if needed.

Disclaimer: This analysis is based on assumptions and general market trends. It's always advisable to seek personalized advice from a qualified financial planner.

Dr Karthiyayini Mahadevan |1105 Answers |Ask -Follow

General Physician - Answered on Oct 08, 2024

Question by Rajesh - Sep 09, 2024Hindi

Health

Is GERD medications is life long medicine. Because when I stopped PPI after few days I feel bloated and feeling discomfort in stomach?

Ans: PPI cannot be for life long
Please consult a Nutritionist and undertake the dietary discipline

Dr Karthiyayini Mahadevan |1105 Answers |Ask -Follow

General Physician - Answered on Oct 08, 2024

Asked by Anonymous - Sep 07, 2024Hindi

Health

Should patient with high cholestrol stabilised with statin 20mg continue medicine after his cholestrol levels have reduced with in limits. Does statin medicines taken for long period say above 2 years have adverse effect by reducing testosterone levels and cause erectile dysfunction to patient.

Ans: Station break down muscle protein
Definitely it brings down the muscular capacity and skills

Dr Karthiyayini Mahadevan |1105 Answers |Ask -Follow

General Physician - Answered on Oct 08, 2024

Asked by Anonymous - Oct 05, 2024Hindi

Health

I am 46 years old man. I feel giddy throughout the day. Sometimes I feel I will fall down. My legs stars paining hands shiver. Also I feel frightened. What is this cause. I take daily telmabeta 50 one in morning. Pls help.

Ans: How long are you on this medication?
Please check your BP an hour after medication
Fix a particular time preferrably 8 am to have your medicine
Get your Blood sugars checked

Mayank Chandel |1914 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Oct 08, 2024

Asked by Anonymous - Oct 01, 2024Hindi

Career

My score is 275 can i and my domicile is bihar can i get a good private medical college under total budget of up to 75 lakh including all the expenses hostel, and other charges? If yes then which college are they??

Ans: Hi
there are chances of getting a college at this score.
Narayan Medical College & Hospital, Sasaram
Lord Buddha Koshi Medical College and Hospital, Saharsa
Shree Narayan Medical Institute and Hospital,

Dr Karthiyayini Mahadevan |1105 Answers |Ask -Follow

General Physician - Answered on Oct 08, 2024

Asked by Anonymous - Oct 02, 2024Hindi

Health

My HbA1C is 6.3 and my fasting blood glucose is 94. Should I consult a doctor?

Ans: Look into lifestyle modifications

Dr Karthiyayini Mahadevan |1105 Answers |Ask -Follow

General Physician - Answered on Oct 08, 2024

Question by Shah - Oct 02, 2024Hindi

Health

How we can clear triglyceride / bad cholesterol naturally from Blood Pl advise food / practices / diet etc.. Is consuming Ginger 1 kadi per day is good for this ?

Ans: Dietary discipline
Avoid deep fried food
Have early dinner by 6 pm
No refined carb and sugars
Regular brisk walks

See more questions »

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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