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How can a 12th grader with scores between 100 and 120 in mock tests improve their JEE marks?

Mayank

Mayank Chandel  |2261 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jul 17, 2024

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Asked by Anonymous - Jul 13, 2024Hindi
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Sir how to increase our marks in mock test in jee My number around 120 t0 100 12th class

Ans: Hi
Follow skipping techniques, if you think this question is more time-consuming skip it for later, if you doubt any question skip it for later. This will help in avoiding negative markings.

Follow 45 minutes cycle. Divide 3 hours into 45 minutes 4 slots. Give 1 slot each for P/C/M.
You should be able to go through all the questions of one subject in 45 minutes. If it happens early add that extra time in last slot of 45 minutes.

When you are done with all three subjects of 45 min cycle, then in last slot go to the questions you have skipped & try solving them.
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Nayagam P

Nayagam P P  |4496 Answers  |Ask -

Career Counsellor - Answered on Jul 24, 2024

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Sir my jee mains is near I m getting around 90 in mock test what should I do
Ans: You have NOT mentioned you are a dropper or you have just entered into 12th Standard this year, preparing for JEE-2025 & whether you have joined any Coaching Center or simply practicing from Online Test Series?

Anyway, I ASSUME, you have completed your 11th & this year you are in 12th. Here are the 15 Factors to be Kept in Mind & the Strategies / Steps / Tips you should follow:

1) You should be able to score above 96% even in Mock Test.
2) Once you finish the Mock Test(s), analyze about 10% mistakes / wrongly answered questions.
3) Which all chapters you are weak in? Which subject has the lowest marks always, out of PCM?
4) Immediately note down in a separate note-book about the wrongly answered questions & keep revising them frequently.
5) As you have entered into 12th now, be thorough with NCERT books of PCM (both 11th & 12th).
6) If you feel that you are weak in any particular chapter of PCM, keep revising them/take further notes/practice frequently.
7) If don't have already, you should prepare your short-notes for each chapter with formulae, wherever applicable.
8) If you have joined any coaching center, keep asking for doubt clearing sessions / classes to get your doubts cleared then and there.
9) At home, always study for 45-minutes and then have a break of 10-minutes & continue your study for 45-minutes to get more concentration power / maximum output.
10) Avoid comparing with other students.
11) To keep yourself physically & mentally fit, you should involve in some physical activities (yoga/meditation/indoor-outdoor games something) for 30-40 minutes daily either morning or evening whichever will be convenient to you.
12) Avoid taking too much pressure at any cost to get admission into any top NITs/IITs. It is not that you will be successful in your career only if you join IITs/NITs. Nothing like that. Your health (both physical/mental) is also equally important.
13) Though you have entered into 12th Standard, you should keep revising/practicing 11th standard syllabus also at least 20-30% daily.
14) Try to finish 12th Syllabus maximum by November-end to start revising both 11th/12th Syllabus from December itself.
15) Download 2024 JEE-Main / Advanced Syllabus which will be more or less same for next year also. Just check which all chapters you have already studied/practiced and which all chapters/topics need to be improved/revised/practiced more?

Most IMPORTANT (which I always recommend all parents/students): Please avoid relying only on JEE/JOSAA/IITs/NITs. Appear for 5-7 Entrance Exams (State Engineering Entrance/Private College Entrance Exams) apart from JEE to have a lot of options open for you to choose the most suitable option for you.

All the BEST for Your JEE-2025 / Other 5-7 Entrance Exams.

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Ramalingam

Ramalingam Kalirajan  |8327 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2025

Asked by Anonymous - May 09, 2025
Money
Dear Sir, I am 55 and I am a stage 4 cancer patient for the past 5 years. Presently working with a salary of Rs.30 LPA. I have Rs.75 L in SB account. Rs.25 L in shares out of which Rs.12 L is loss. Rs.12 L in mutual funds. Rs.3 L in EPF. No commitments or liabilities. I need to know how I can get Rs. 70 K per month in case I lose my job. Kindly advise.
Ans: I truly appreciate your courage and clarity even in the face of health challenges. With your current financial resources and the need to secure a monthly income of Rs. 70,000, a detailed and careful plan is very much possible.

Let me give you a full 360-degree solution below, step-by-step.

Understanding Your Present Financial Picture
You are 55 years old and have been living with stage 4 cancer for 5 years.

You are still employed and drawing a salary of Rs. 30 lakhs per year.

You have Rs. 75 lakhs in your savings bank account.

You hold Rs. 25 lakhs in shares, with Rs. 12 lakhs in losses.

You have Rs. 12 lakhs in mutual funds.

Rs. 3 lakhs is in your EPF account.

You have no loans or financial commitments.

Your main concern is to receive Rs. 70,000 every month if the job stops.

You are not looking to take risks.

You want regular, reliable income without physical involvement.

Step 1: Emergency Medical and Health Fund
Health comes first. Keep money aside just for medical needs.

This fund should cover two years of your full household and medical costs.

Keep Rs. 15 to 20 lakhs aside for this purpose.

This money should be in ultra-safe places.

Prefer a savings bank account and liquid mutual funds.

This should remain untouched unless truly needed.

This emergency buffer gives peace and avoids panic in tough times.

Step 2: Generate Rs. 70,000 Monthly Income
Rs. 70,000 monthly means Rs. 8.4 lakhs needed per year.

Aim for post-tax cash flow from your investments.

Break your funds into income generation buckets.

Use your Rs. 75 lakhs from savings bank as the core capital.

Avoid keeping the full amount idle in SB account.

Allocate funds into low-risk, stable return instruments.

Prefer investment avenues offering quarterly or monthly payouts.

Choose options where you can withdraw in parts if needed.

Step 3: Structured Investment Allocation
Short-Term Bucket: 1 to 2 Years

Set aside Rs. 18 to 20 lakhs for short-term needs.

Put this money into highly liquid options.

Use only those that protect capital and give fixed income.

These funds will generate stable income for the next two years.

Prefer options offering monthly or quarterly payouts.

This will help replace your salary if job stops.

You don’t need to sell any shares or mutual funds right away.

You get time to think clearly, plan calmly.

Medium-Term Bucket: 3 to 5 Years

Keep around Rs. 25 to 30 lakhs here.

Invest in actively managed hybrid mutual funds.

Choose regular plans through a mutual fund distributor with CFP credentials.

Do not go for direct funds.

Direct plans do not come with personalised guidance.

There is no one to help you rebalance, switch or review.

Regular plans through a Certified Financial Planner offer ongoing support.

With hybrid funds, risk is moderate and returns are better than FDs.

Use SWP (Systematic Withdrawal Plan) to get monthly income.

You can set up SWP of Rs. 40,000 to 50,000 from this bucket.

These funds will last for years while also growing gradually.

Long-Term Bucket: 5+ Years

Keep Rs. 10 to 15 lakhs for the long-term.

This is not for current income, but for inflation beating growth.

Invest in actively managed large cap or balanced advantage funds.

Again, use regular plans with Certified Financial Planner.

These funds will build wealth for later stages.

You can shift gains to the medium bucket after 5 years.

Step 4: Shareholding Review and Action Plan
You have Rs. 25 lakhs in shares.

Out of this, Rs. 12 lakhs are in losses.

Do not sell them in a hurry.

Some may recover if you wait patiently.

First, make a list of all companies and their quality.

Exit poor-quality stocks even at a loss.

Retain good quality stocks with strong future.

If the whole portfolio is confusing, take help from a Certified Financial Planner.

You can harvest the loss now to set off gains later.

Book losses smartly to reduce future capital gains tax.

After cleaning up, move the proceeds to your medium bucket.

Step 5: Mutual Fund Review
You hold Rs. 12 lakhs in mutual funds.

Find out the type of each fund.

If these are equity funds, hold them long-term.

If returns are low or risk is high, shift to hybrid funds.

Avoid investing in index funds.

Index funds cannot protect capital in falling markets.

They simply copy the market blindly.

Actively managed funds are safer.

Professional fund managers take timely actions.

They reduce your risk and improve consistency.

Step 6: EPF Strategy
You have Rs. 3 lakhs in EPF.

EPF earns stable tax-free interest.

Do not withdraw unless it’s urgent.

Keep it as part of your long-term reserve.

Step 7: Monthly Income Setup
Use short-term and medium-term buckets to get income.

Start SWP from mutual funds for Rs. 40,000 monthly.

Use fixed income tools for Rs. 30,000 more.

Review this every year with a Certified Financial Planner.

Adjust amounts if needed based on inflation.

Step 8: Tax Planning and Awareness
Income from mutual funds is taxable.

Long-term capital gains above Rs. 1.25 lakhs taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your slab.

Plan redemptions to avoid tax shocks.

Harvest profits in a planned manner.

Step 9: Avoid These Common Mistakes
Do not invest in real estate.

It is illiquid and needs physical handling.

Do not buy annuities.

They give poor returns and lock your money.

Do not fall for insurance + investment combos.

If you already hold such policies, review them.

Consider surrender if return is poor.

Reinvest the proceeds into mutual funds.

Step 10: Use a Certified Financial Planner
A Certified Financial Planner gives structured and unbiased advice.

They help you with fund selection, SWP setup, rebalancing.

They guide you with tax-saving and risk control.

Their ongoing service is crucial at your life stage.

Choose someone with experience and clear credentials.

Finally
You are in a better financial position than many.

You have no loans, no dependents, and have built good savings.

With a calm and simple plan, you can replace your income safely.

You do not need to take risky steps now.

You have already shown strength by managing your life and job for 5 years.

Now your money should serve you with peace and stability.

Break your capital into buckets.

Get monthly income through safe withdrawals.

Review regularly with a Certified Financial Planner.

Avoid unnecessary complexity or noise.

You deserve a peaceful financial life.

Your health is precious. Let money be your quiet support.

Invest safe. Withdraw smart. Sleep well.

You are already doing well. Just add clarity and structure.

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

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