Home > Career > Question
Need Expert Advice?Our Gurus Can Help

M.Tech Biotech Student Seeking Online Courses for Chemiinformatics, AI/ML, and Bioinformatics: What are the Best Options?

Aasif Ahmed Khan

Aasif Ahmed Khan   |171 Answers  |Ask -

Tech Career Expert - Answered on Nov 28, 2024

Aasif is a mechanical engineer with 16 years of experience, specialising in maintenance, troubleshooting, planning, training and creating documents. He currently works as a manager at Rashtriya Chemical and Fertilizers Ltd in Mumbai.
Aasif is passionate about guiding students and aspiring engineers as they aim to choose the right educational paths, including courses and colleges.
He holds a bachelor's degree in mechanical engineering from the Indore Institute of Science & Technology in Indore and is currently pursuing a master's degree in thermal and fluid engineering at the Indian Institute of Technology, Mumbai.... more
Vijaya Question by Vijaya on Nov 20, 2024Hindi
Listen
Career

Im. M. Tech biotechnology student.. Which r the online courses uses for me for skill upgrade we have chemiinformatics n AIAnd ML and bioinformatics which on es good suggest me

Ans: These courses are designed to provide you with both theoretical knowledge and practical skills.
Cheminformatics
1. "Introduction to Cheminformatics" by University of California, San Diego on Coursera.
2. "Cheminformatics and Quantitative Structure-Activity Relationships (QSAR)" by University of Basel on edX.

AI and Machine Learning
1. "Machine Learning" by Stanford University on Coursera.
2. "AI For Everyone" by Andrew Ng on Coursera.
3. "Deep Learning Specialization" by DeepLearning.AI on Coursera.

Bioinformatics
1. "Bioinformatics: Introduction and Methods" by University of Lausanne on Coursera.
2. "Bioinformatics for Beginners: Genomes, Genes, and DNA sequencing" by edX.
Career

You may like to see similar questions and answers below

Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on May 15, 2023

Listen
Career
Hello sir, I have completed diploma in ECE and currently working in railway now I want to complete next higher education i.e. B. tech. Please help me for online courses to upgrade my qualifications.
Ans: Hi Rajiv,

Congratulations on completing your diploma in ECE and pursuing higher education! Online courses are a great way to upgrade your qualifications while working. Here are a few recommendations for online B.Tech courses:

NPTEL (National Programme on Technology Enhanced Learning): NPTEL offers a wide range of online courses in various engineering disciplines, including ECE. They are conducted by prestigious Indian institutes and are often free of cost.

Coursera: Coursera is a popular platform that provides online courses from top universities and institutions around the world. You can find B.Tech courses in ECE offered by universities like Stanford, Georgia Tech, and University of Colorado Boulder.

edX: Similar to Coursera, edX offers online courses from leading universities. You can explore their catalog for B.Tech courses in ECE and related fields. Massachusetts Institute of Technology (MIT) and University of California, Berkeley are some of the institutes that offer courses on this platform.

Udemy: Udemy is a platform with a wide range of online courses, including B.Tech courses in ECE. The courses are created by individual instructors, so it's important to check reviews and ratings before enrolling.

Online Programs by Universities: Many universities offer online B.Tech programs designed for working professionals. Look for reputable universities that offer distance or online learning options in your desired specialization.

Remember to review the course content, instructor credentials, and student reviews before enrolling in any online course. It's also beneficial to consider programs that provide hands-on projects or industry collaborations for practical experience. Good luck with your B.Tech journey!

Regards,
Abhishek Shah

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |11161 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 04, 2026

Money
I am 61 self Disciplined minimalist. I am now in SWP segment. 4% SWP and step up SWP are all okay and understandable but much worried on flip side which am often not thinking much. Considering next 30 years block 1. Inflation may also shoot up from 6% to 15% 2. Normally market crash once in 10 years assuming 30% crash 3. Recovery phase may take slow say 5 to 7 years 4. War natural calamities etc influence market once in 7 year 5.expected return may hit bottom from 10% With all this sequential risk, the worry is will my corpus empty earlier should I be with half starving and my SWP is good only in paper or any corrections needs to be done? Because when age grows, expenses can't be reduced, only rebalance the ratio from travel to utility like that So please guide me will my SWP corpus empty earlier, and should I do now as preparedness
Ans: Your concern is very valid and very mature. Most people focus only on returns, but you are thinking about risks like inflation, crashes, and long recovery. This is exactly what protects a retirement plan.

» The Real Risk – Sequence of Returns
Your worry is not wrong.

If market falls early in retirement and you keep withdrawing
Then recovery is slow
Corpus can reduce faster than expected

This is called sequence risk
And yes, this can impact SWP sustainability

But this can be managed with structure, not by stopping SWP

» Inflation Risk – Bigger Than Market Risk

If inflation moves from 6% to even 10–12%, pressure increases
Expenses rise continuously, but corpus may not match

Reality:

Inflation risk is permanent
Market crash is temporary

So your plan must protect against inflation first

» Is 4% SWP Safe?

4% is generally considered reasonable
But not “guaranteed safe” in all conditions

In your scenario (high inflation + poor returns):

4% may become slightly aggressive

Better approach:

Keep flexibility between 3.5% to 4%
Reduce withdrawal slightly during bad market years

» Biggest Protection – Bucket Strategy
This is the most important correction

Divide your corpus into 3 buckets:

Bucket 1 (0–5 years expenses)
Keep in safe instruments (liquid / low risk)
This funds your SWP
Bucket 2 (5–10 years)
Hybrid or balanced funds
Bucket 3 (10+ years)
Equity funds for growth

How this helps:

During crash, you do not touch equity
You spend from Bucket 1
Equity gets time to recover

This directly reduces sequence risk

» Dynamic SWP – Very Important Adjustment
Instead of fixed thinking:

In good years → continue or increase SWP
In bad years → pause increase or reduce slightly

Even a small 5–10% temporary cut:

Greatly increases corpus life

This is practical, not theoretical

» Rebalancing Discipline

Once a year, review allocation
When equity grows → shift some to safe bucket
This “locks gains”

This creates a natural buffer for future crashes

» Extreme Scenario Planning (Your Concern)
You mentioned:

30% crash
5–7 year recovery
High inflation

In such case:

Bucket 1 should cover at least 5–7 years expenses
This is your survival shield

If this is in place:

You will not be forced to sell at loss
Corpus will not empty early

» Expense Behaviour – Practical Reality
You are right:

Expenses don’t reduce easily with age
They only shift (travel → medical, lifestyle → essentials)

So plan should:

Keep medical buffer separately
Not depend on cutting expenses

» Mental Model Shift
Do not think:
“Will my corpus finish?”

Think:
“How do I protect withdrawals during bad phases?”

Because:

Markets recover
But wrong withdrawals during crash cause damage

» Final Adjustments You Should Do Now

Maintain 5–7 years expenses in safe bucket
Keep equity allocation for long-term growth
Use flexible SWP (not rigid)
Rebalance yearly
Be ready to reduce withdrawal slightly in extreme conditions

» Finally

Your fear is not overthinking, it is intelligent thinking
SWP does not fail because of market alone
It fails due to poor withdrawal strategy during bad years

If you structure your buckets and keep flexibility, your corpus can comfortably last 30 years and more without “half starving” situations.

You are already ahead because you are asking the right question at the right time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

...Read more

Nayagam P

Nayagam P P  |11302 Answers  |Ask -

Career Counsellor - Answered on May 04, 2026

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x