Job opportunities after b. Pharm

Ans: The fees in European colleges is lesser than the US colleges. In Europe some countries like Ireland have a lower fees as compared to others. You will have to research which are the good colleges in the areas that you are interested and accordingly apply.

Ans: If you are interested than you can pursue MBA. Write both the CAT and the GMAT and see where you get a better college. If you do not get it next year then can try for Executive MBA course which requires a 5 years work ex.

Ans: If you are looking for a dedicated technical education in Computer Science with strong placement opportunities, JIIT Noida would be the better option due to its specialized infrastructure and industry connections.

If you prefer the broader academic environment of Delhi University, and are okay with seeking off-campus placements, Maharaja Agrasen College can still offer a good overall experience with lower fees.

Ans: I presume you have endowment type life insurance policy from LIC, the returns from which are not up to the mark. If you can surrender it and take a term insurance plan then you can still save around 50K annually after factoring Term Plan premium of 20K pa, considering your current annual payment to LIC of ~70K. That translates to investible surplus of 4K + current monthly disposal income after expenses: 7K, So 11K SIP can be initiated. 4K SIP for 15 years will led to corpus of 22L+(13%return assumed) for daughter's education

If surrendering the LIC policy is not an option then you can still deploy the current balance of 7K + incremental disposable part of salary each year into a SIP for 22 years considering conservative return of 13% it can still build a retirement corpus of 1Cr+ as desired.

You can fund son's higher education through PPF but for daughter's education you need to hike investments in SSY also to 1.5L pa and for house you will need to find home loan(Use EPF partial withdrawal towards down payment)

Here it pertinent to note that you may need to increase your income in some way maybe either job change or spouse working so to have additional funds to invest for your goal fulfillment. Happy to help if you have any further queries.

Ans: I am glad to note that you have worked on your financial goals and also sought advice to fulfill them.

The current SIP investments(funds are good) of 32K per month will yield you a corpus of 27+Lacs in 5 years(13% conservative return considered) which would help you part fund payment for house/car alongwith existing corpus(40L). Surely you may look at some home loan too.

For retirement I recommend you start investing in NPS systematically every month.

It is the most tax efficient(E-E-E) way of retirement planning and can provide market linked returns, based on your risk appetite and age.

You may follow us on X at @mars_invest for updates

Happy Investing

Ans: Panimalar is also one of the good colleges in TN even Mechanical Engineering Students are considered by Software/IT Companies. Just keep upgrading your skills through NPTEL, Internshala, Coursera, UpGrade etc. and / or recommended by your college faculties. Have a professional LinkedIn Profile. Please go through one of my answers here in which I have clearly written the strategies/steps/tips to be followed by 1st year Engineering Student, irrespective of branch. Follow the same till you reach your 4th year / Campus Recruitment Drive. All the BEST for Your Bright Future.

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Ans: You have NOT mentioned which campus of Christ you have got. However, you can go ahead with it if you have no other option. Value addition: As per a recent article in the 'Times of India', most law graduates prefer working in corporate companies instead of practicising as Lawyers in Courts which you please note. You also have to think about the Specialization. Check LinkedIn for the job openings for fresh Law Graduates if you have no other plan but to work immediately after completing BA LLB. All the BEST for Your Bright Future.

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Ans: Hello.
Congratulations on getting CSE+DS @ RNSIT (Rajarajeswari Nagar School of Information Technology, Bangalore).
Both the institutes RNSIT and CMRIT (CMR Institute of Technology, Bangalore) are located in tech city Banglore.
Both these institutes are reputed and have good job placement recorded. Choosing between the two is a little bit difficult task. Yet RNSIT is a better choice than SMRIT in terms of placement opportunities, faculty quality, and campus facilities.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

Ans: Form 13 is the formal request for the transfer of PF from your previous trust-managed account to EPFO.

Download and submit it to your current employer. Your current employer will verify and forward the form to the trust managing your previous PF account. The trust will then process the request and transfer the accumulated PF amount to your EPFO account.
You may check the status of your transfer request on the UAN member portal.