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I am a parent of a CSE student at VIT Chennai. Which online courses are essential for placement preparation?

Aasif Ahmed Khan

Aasif Ahmed Khan   | Answer  |Ask -

Tech Career Expert - Answered on Jul 22, 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
Asked by Anonymous - Jul 21, 2024Hindi
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My son Joined CSE in VIT Chennai. For the placement what are the online courses for skill development.

Ans: These courses can help your son build a strong foundation and enhance his skills for better placement opportunities.

Data Structures and Algorithms: “Data Structures and Algorithm Specialization” by UC San Diego & National Research University Higher School of Economics.

Programming Languages: Udemy: Courses on Python, Java, C++, and more. Codecademy: Interactive courses on various programming languages.

Web Development: freeCodeCamp: Offers a full stack web development curriculum for free. Coursera: “Full-Stack Web Development with React” by The Hong Kong University of Science and Technology.

Database Management: edX: “Introduction to Databases” by Stanford University. Coursera: “Database Management Essentials” by University of Colorado.

Machine Learning and AI: Coursera: “Machine Learning” by Stanford University (Andrew Ng). Udacity: “Deep Learning Nanodegree”.

Operating Systems and Computer Networks: Coursera: “Operating Systems and You: Becoming a Power User” by Google.
Udacity: “Computer Networking” by Georgia Tech.

Soft Skills: LinkedIn Learning: Courses on communication, teamwork, and problem-solving. Coursera: “Learning How to Learn” by McMaster University & University of California San Diego.

Professional Development: LinkedIn Learning: Courses on resume building, interview preparation, and LinkedIn profile optimization. GeeksforGeeks: Provides interview experiences and commonly asked questions
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Ramalingam

Ramalingam Kalirajan  |10240 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2025

Asked by Anonymous - Aug 13, 2025Hindi
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Hi. I have a monthly income of 1.5lakh. I have SIPs of around 35k monthly. The SIPs are of Nifty smallcap, nifty50index, midcap,parag parikh flexi, kotak midcap. I want to build a diversified portfolio and have an asset of 1cr in 10 years. I have a home loan emi going on which is monthly 20k now. It will increase in the coming months. Please suggest.
Ans: You are already showing strong discipline with Rs. 35,000 monthly SIPs. Starting early and staying consistent is the key to building your Rs. 1 crore goal in 10 years. Your current income and surplus allow you to plan in a structured way without putting pressure on your lifestyle.

» assessment of present portfolio
– Current SIPs are in smallcap, midcap, flexicap, and index funds.
– Smallcap and midcap funds give high growth potential but carry high volatility.
– Flexicap offers balance by letting the fund manager switch between market caps.
– Nifty 50 index gives broad market exposure but no active management flexibility.
– Index funds simply copy the market and cannot avoid downside in bad phases.
– Actively managed funds can shift allocation to protect returns during corrections.

» building a more diversified allocation
– Avoid over-concentration in smallcap and midcap segments.
– Keep largecap actively managed funds as a stability anchor.
– Maintain some exposure to debt mutual funds for safety and liquidity.
– Include an international equity fund for global diversification.
– This reduces risk from Indian market downturns and currency fluctuations.

» recommended asset split for 10-year goal
– Equity funds: 70% of monthly investment.
– Debt funds: 20% of monthly investment.
– Gold or other hedge assets: 10% of monthly investment.
– This balance offers growth, safety, and inflation protection.

» adjusting current SIP mix
– Reduce direct index fund allocation and replace with actively managed largecap or multicap funds.
– Continue with one midcap fund but avoid holding too many in the same category.
– Retain flexicap fund for dynamic market allocation.
– Keep smallcap exposure limited to 10–15% of total portfolio for high growth potential without excessive volatility.

» role of debt allocation in your case
– Debt mutual funds give stability during market falls.
– They also provide liquidity for planned expenses or emergencies.
– Over 10 years, the debt portion will be shifted towards equity in the early years, then increased again in the last 3 years for safety before withdrawal.

» impact of home loan EMI increase
– Your EMI will rise, reducing investible surplus temporarily.
– Plan in advance so you do not stop SIPs when EMI increases.
– Keep an emergency buffer equal to at least 6 months of EMI + expenses.
– This prevents you from redeeming growth investments for loan needs.

» estimating potential growth towards Rs. 1 crore
– If you invest consistently and follow a balanced allocation,
– Equity growth over 10 years can multiply invested amounts significantly.
– The debt portion will add stability and protect from market timing risks.
– Even with moderate growth assumptions, Rs. 1 crore in 10 years is realistic.

» tax planning for your investments
– Equity mutual funds: LTCG above Rs. 1.25 lakh in a year taxed at 12.5%.
– STCG on equity: 20% tax rate.
– Debt mutual funds: taxed as per your income slab for both short and long term.
– Plan redemptions around your goal year to minimise tax liability.

» review and rebalancing
– Review portfolio performance annually.
– If one category grows beyond target allocation, rebalance to maintain risk level.
– Rebalancing avoids over-exposure to any single segment.
– In last 2–3 years before goal, gradually shift gains to debt for safety.

» safeguarding financial plan
– Ensure you have adequate health and life insurance.
– This keeps your investment plan safe even if an emergency occurs.
– Avoid stopping SIPs unless there is a severe cash flow issue.
– Continue business or salary income growth to keep surplus healthy.

» finally
You already have the right habit of disciplined SIPs. By reducing over-concentration in high-risk segments, shifting some index fund allocation to actively managed funds, and adding a planned debt portion, you can control risk while targeting Rs. 1 crore in 10 years. Staying consistent, rebalancing regularly, and protecting your plan with insurance will ensure you reach your goal confidently.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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