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Nayagam P

Nayagam P P  |6867 Answers  |Ask -

Career Counsellor - Answered on Jun 16, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Jun 13, 2025
Career

How are placements of ECE in Vit Chennai? With my JEE rank, I might be getting mechanical in BIT Mesra. Which one should I choose if I get both?

Ans: VIT Chennai’s Electronics & Communication Engineering records robust campus outcomes with 3,160 total offers in 2025, including 2,192 unique and 1,457 regular offers, and 763 dream (≥6 LPA) and 936 super-dream (≥10 LPA) placements, translating to an estimated 80–85% placement rate for ECE students amid 867 recruiter visits. BIT Mesra Mechanical Engineering achieved 78% placement for its 2023–24 batch, placing 94 of 120 eligible students in core and IT roles through 120 recruiters, with 87.21% branch-wise placement in 2023–24 and steady 80–90% rates over three years. VIT Chennai’s ECE offers higher-volume, tech-focused recruiter access and interdisciplinary roles in telecom and embedded systems, while BIT Mesra Mechanical provides strong core-engineering placement in automotive, energy, and manufacturing sectors.

Recommendation: If both seats are available, choose VIT Chennai ECE for broader recruiter reach, higher overall offer volume, and alignment with electronics-IT convergence; opt for BIT Mesra Mechanical only if a core mechanical career with stable 80–90% placements and specialized process-engineering opportunities is preferred. All the BEST for the Admission & a Prosperous Future!

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Janak

Janak Patel  |52 Answers  |Ask -

MF, PF Expert - Answered on Jun 23, 2025

Money
I am going to retire and get 1 cr..I have a house to stay and no other investments.how to plan my money.i am survived with wife
Ans: Hi Lakkara,

Retirement is a long period of time of approx. 20 years. During this period as you may not have any income, the corpus you have needs to fulfill your monthly expenses.

The plan of utilizing your 1 crore corpus for retirement plan depends on multiple factors - monthly expenses, risk profile and other requirements.
For now I will assume, your risk as moderate and there are no other requirements.

So here's what you need to do (assuming monthly expenses of 60K).
1. Calculate your expenses (monthly/annually) e.g. @50k per month expenses, annual expenses = 6 lacs.
2. Calculate you annual expenses for the next 4 years (you can use inflation e.g. 6% increase each year). e.g. Year 2 exp is 6*1.06=6.36L, Yr3=6.74L, Y4=7.15L, Y5=7.57L
3. Calculate annual expenses for the remaining years also in same manner e.g. Y6 = 8.03L, etc.
Divide your Corpus into 3 buckets.
Bucket 1 - your savings account - keep 1 year expenses in it and withdraw for monthly expenses.

Bucket 2 - Fixed Deposits - Keep next 4 years expenses in FDs that will earn same as rate of inflation i.e. 6%. Ensure you have FD's maturing each year for the annual expenses calculated above. Match maturity amount with calculated expenses above. So a total of 24L will be invested FDs, 6L for every year's expenses.

Bucket 3 - Hybrid Mutual funds - Keep the remaining amount e.g. 1Cr - 30L = 70 Lacs in a Hybrid Mutual fund like HDFC Balance Advantage fund. These funds have a combination of Debt and Equity investments. They provide some growth to the amount you invest and also cushion the down times in the market. After 2 years, from this fund, you can plan to withdraw your annual expenses for that year e.g. Y3 (Y3 = 6.74L), and invest it in an FD with maturity of 3 years (giving you Y6 exp = 8.03L).
Repeat this withdrawal from MF (for amount that same as that years expenses and Investment into FD for maturity of 3 years.

In this way if the MF gives a return of 10% (or above), you will have covered your annual expenses and still have a corpus of over 45L with you at the end of 20 years.

So what's important for you to do it calculate your monthly expenses and if it matches the numbers I have assumed above, you will be fine for a comfortable retirement life. So it all depends on your monthly expenses and other factors for the plan.

You can consult a CFP for a more comprehensive retirement plan based on your requirements.

Thanks & Regards
Janak Patel
Certified Financial Planner.

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