Dear Mayank,
Name: Vaibhav Jain
Age: 28
Currently unemployed.
I really need your help and guidance at this point of time as I am very confused regarding my career. 
I am a mechanical engineering graduate; I graduated in 2015. Qualified Gate 2017 but not with a good rank. Till February 2018, I prepared for government exams but unfortunately couldn't crack them.
Then I started to do a job in the ayurvedic health care sector in a relatively smaller subsidiary of a known company as a GRE and FOE.
I worked there from June 2018 to July 2020.
I did not enjoy my job and the salary was not good. Also, I was inclined to choose yoga as my career path so I participated in a short term yoga teacher training programme in 2019 and quit my job in July 2020.
In my experience letter, the company said I had made an excellent contribution towards the organisation.
After quitting my job, I completed my post-graduate diploma in yoga education from Kaivalyadhama, Lonavala, in April 2021.
After completing the course, I was excited about pursuing a career in yoga. But due to some unfortunate circumstances at home, I am not finding the time to do so. I self-practise. Circumstances have caused financial issues at my home which is forcing me to do some kind of job to balance the expenses.
One of my friends, who is working at one of the biggest e-commerce companies of the country, has asked to apply for an opening for floor executive (inventory management role) in his company.
I am interested as the salary is good, which can help me in current situation. But I don't have any idea or experience of how to go about doing an interview at such a big corporate company.
I don't have any prior experience of working in this field, therefore I'm not confident about cracking the interview. Based on what I have heard from my friends, the company gives preference to candidates with prior experience.
Please guide me for this interview process and how to prepare a resume as I am finding difficult to recognise my strengths and weaknesses and my good skills which may help to crack the interview. Guide me for my interview preparation.
Also guide me if should follow my interest of yoga as a career or find some other job to meet my financial needs.
Thanks and regards,
Vaibhav Jain

Ans: Dear G,
The ownership of the 600 sq. ft. UDS (Undivided Share of Land) depends on the terms of the Joint Development Agreement (JDA) and the GPA cancellation deed. As per the JDA, the builder agreed to transfer the 600 sq. ft. UDS to you after GPA cancellation in return for compensation. If the GPA cancellation deed and subsequent agreements clearly state that this UDS belongs solely to you and these are registered with the Sub-Registrar’s Office (SRO), you are the legal owner. However, if your sister’s name still appears as a co-owner in the original title deed, you will need her to execute a **Settlement Deed** or **Gift Deed** in your favor, which must be registered to confirm your sole ownership and avoid disputes. The builder’s statement that you are the owner is valid only if it aligns with the registered documents. To confirm ownership, verify the SRO records to ensure the transfer has been legally recorded. If any gaps exist, consult a property lawyer to review the JDA, GPA cancellation deed, and builder’s agreement to ensure proper registration of ownership and resolve any ambiguity. This will safeguard your rights and provide clarity regarding the 600 sq. ft. UDS.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: please elaborate the question?

Ans: it all depends on what strategy you are using, generally it is not suggested to trade at opening and last min of closing as its the most volatile times. Let the dust settle and then take trades depending on the direction of markets. Always study and backtest your strategy multiple times and when you are confident then only go for trading, else stock markets are not meant for trading, its a investment vehicle for long journey.

Ans: Dear Friend,
To retire comfortably at 50-55 with an upper-middle-class lifestyle, you’ll need a retirement corpus of ?5 crore. Currently, your mutual funds, PPF, and NPS are projected to grow to ~?1.82 crore by 50. To bridge the gap of ?2.18 crore, increase your SIPs by ?30,000/month in equity funds, which can grow to ~?2.25 crore at 12% CAGR in 18 years. Prioritize repaying the ?20 lakh family loan after buying the Mumbai house, ensuring the ?35,000 EMI doesn’t hinder your additional investments. Post-retirement, rely on rental income from your NCR property and a 4% systematic withdrawal strategy from your corpus to cover inflation-adjusted expenses. Maintain ?5-6 lakhs in an emergency fund and continue tax-saving investments like ELSS, PPF, and NPS. Regularly review and rebalance your portfolio to stay aligned with your goals. With disciplined savings and investments, you’re on track for a secure retirement.
Regards, Nitin Narkhede
-Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Friend,
Business Cycle Funds can be a good addition to a diversified portfolio but should not be your core holding. For stability, complement them with index, large-cap, or balanced funds. Always review the fund’s past performance, expense ratio, and investment strategy before investing. Motilal Oswal’s expertise in cyclical trends and focuses on quality companies. While it has potential, its success depends on accurate cycle timing. It's relatively new, so evaluate performance and consistency over time.
Investors with moderate-to-high risk tolerance. Those with a long-term investment horizon of 5+ years. Investors are comfortable with active fund strategies and market cycles.
Regards, Nitin Narkhede
-Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Your corpus and monthly expenses show a solid foundation. Retirement at 35, however, requires careful assessment. Let’s analyse your situation step by step.

Current Financial Assets and Allocations

Mutual Funds and Stocks: Rs 3.5 crore

This is a significant part of your corpus. Equity investments offer high growth potential.

Lands: Rs 50 lakh

Real estate investments are illiquid. Consider them only for long-term growth or inheritance.

PF and PPF: Rs 80 lakh

These provide stability and assured returns. These are good for meeting long-term goals.

Fixed Deposit: Rs 25 lakh

FDs are low-risk and ensure liquidity. This is beneficial for emergencies.

SGB and Gold: Rs 50 lakh

Gold is a strong hedge against inflation. It also offers diversification.

Monthly Expense Analysis

Your monthly expense of Rs 1 lakh equates to Rs 12 lakh annually.

Accounting for inflation, this expense will grow over time. Planning for this is crucial.

Core Observations

Your total corpus is Rs 5.55 crore. This is substantial for your age.

Inflation and rising expenses over time will impact your corpus.

Without a house, rent becomes a recurring expense. Factor this into your calculations.

You have no guaranteed income sources post-retirement.

Key Areas of Improvement

Housing

Consider buying a house if feasible. Owning a house ensures stability and reduces rent.

Do not invest excessively in real estate as it is illiquid.

Corpus Utilisation

Avoid over-reliance on equity investments for withdrawals. Equity is volatile in the short term.

Use a mix of debt and equity for regular withdrawals.

Children’s Education and Marriage

Both are major financial goals. Plan dedicated investments for these.

Use long-term instruments for education and marriage funds.

Emergency Fund

Maintain an emergency fund of at least 12 months of expenses.

Keep it in liquid funds or high-yield savings accounts.

Recommended Financial Strategies

Asset Allocation

Diversify your portfolio across equity, debt, and gold.

Maintain 60% equity, 30% debt, and 10% gold as a starting point. Adjust as needed.

Mutual Fund Investments

Continue with actively managed funds. These can outperform index funds in emerging markets like India.

Avoid direct funds if you lack time or expertise. Regular funds offer advisor support and insights.

Debt Investments

Increase debt allocation for stability. Consider high-quality debt mutual funds.

Ensure these align with your withdrawal needs.

Tax Planning

Monitor tax implications of mutual fund withdrawals.

LTCG from equity funds above Rs 1.25 lakh is taxed at 12.5%.

Plan withdrawals to minimise tax liabilities.

Insurance Needs

Ensure adequate health insurance for your family. Cover at least Rs 25 lakh for each member.

Check if you have term insurance. Secure Rs 2-3 crore coverage for your family’s financial safety.

Inflation and Lifestyle Adjustments

Inflation can erode your purchasing power. Plan investments to counter inflation.

Avoid lifestyle inflation. Stick to essential expenses wherever possible.

Income Generation Options

Systematic Withdrawal Plans (SWP)

Use SWP from mutual funds for regular income.

Choose hybrid funds for better stability and returns.

Rental Income

Invest part of your corpus in commercial properties.

Ensure this aligns with your liquidity needs and risk profile.

Freelance or Part-Time Work

Consider light work for additional income. It can extend your corpus.

Use your skills to generate flexible income streams.

Monitoring and Review

Review your portfolio annually. Adjust allocations as goals evolve.

Work with a Certified Financial Planner for periodic checks.

Final Insights

Retirement at 35 is ambitious but achievable with meticulous planning. Your current corpus is strong, but consider the following:

Plan for inflation, children’s needs, and healthcare costs.

Diversify investments and secure guaranteed income sources.

Avoid premature decisions. Evaluate thoroughly before retiring.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: BE (CS) ,BE(IT) is better. AI/ML is the future. Let him appear in hackathons to know his position

Ans: reputed Cyber Security or Coding Domain good , speak to industry people before leaving present job

Ans: You need to control your urgent , be less stressed and distract yourself by by being busy.
But if still it doesn't get controlled, pl see a psychologist