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Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on Jan 07, 2024

Abhishek Shah is an experienced tech and HR leader. He has over 10 years of experience in helping create sustainable thriving businesses, leveraging technology and mentoring people. He founded Testlify, a talent assessment platform in 2022. He is passionate about helping founders build high-performing tech teams. ... more
Asked by Anonymous - Nov 15, 2023Hindi
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Career

I'm 44 year old. I am project manager in road construction. I am doing a job in construction(interrupted) since 21 years. Now I am getting 15 lacs per annum. But now I am in trouble having no job since 6 months. Still living as a tenant.What should I do now either business or go to that service?

Ans: If you are deeply interested in building a business or have experience doing so, please go for business. Please understand, building a business takes time and it may not give immediate outcomes. If you need help with immediate financial assistance as you have mentioned you are a tenant, please diligently work on getting a job.
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R P

R P Yadav  | Answer  |Ask -

HR, Workspace Expert - Answered on Jan 05, 2024

Asked by Anonymous - Dec 02, 2023
Career
Hi, Iam jobless since after Covid pandemic, 2020, my company, with whom I worked for 8yrs and started their business in my territory from zero sales to 5cr sales PA , removed me siting that there is no sales in last Six months and my salary was not justifiable. Infact due to Covid situation industry in my territory was itself down without any business. I was little depressed but thought to start my own business. After 3 months, when the industry started recovering, with the help of my friend ,using my finance I started my business in the same industry of adhesive with single product plan. Sales were up but not money recovery, payments got delayed by 90 to 120 days. Even my supplier gave me poor quality material 3 to 4 times due to which I have to replace good quality material to my customers and couldn't make any profit. Slowly I was exhausting of my finances and thus decided to stop the business and pursue Job. I got job offer in Nov2021 with an earlier employer and also a different field MNC. I chose to go with my earlier employer, as I knew the company well and loved to do the job. And I didn't want to risk with the new feild MNC. With this Job slowly I understood that my colleague of different territory was not happy with my joining siting a threat to the advancement to National Sales Head position and used to do politics and lure our Owner. After eight months he was given the NSM position and he started abusing me. I resigned immediately. Since then I trying for job opportunities, working as freelancer. But I'm not getting good job offers. I do get job offers which involves travelling a lot. I want to leave a peaceful life without leaving my family, a job whereby by evening I should be with my family. Iam 44yrs of age now. Kindly suggest me , a family centric person, how to get job offers within my requirement or to don't think of family and get ready for traveling job, this is my dilemma.
Ans: I’m sorry to hear about your situation. It sounds like you’ve been through a lot of ups and downs in your career. It’s understandable that you want to find a job that allows you to spend more time with your family. Here are some tips that might help you find a job that meets your requirements:

Update your resume and cover letter: Make sure your resume and cover letter are up-to-date and tailored to the job you’re applying for. Highlight your skills and experience that are relevant to the job.

Network: Reach out to your professional network and let them know you’re looking for a job. Attend industry events and conferences to meet new people and make connections.

Apply to family-friendly companies: Look for companies that have a reputation for being family-friendly. These companies may offer flexible work arrangements, such as telecommuting or part-time work.

Search for jobs with specific keywords: Use keywords such as “family-friendly,” “flexible hours,” or “work-life balance” when searching for jobs online. This can help you find jobs that are more likely to meet your requirements.

Consider freelancing: Freelancing can be a good option if you’re looking for more flexibility in your work schedule. You can work from home and choose the projects you want to work on.

Be open to new opportunities: While it’s important to find a job that meets your requirements, it’s also important to be open to new opportunities. You never know where your next job offer might come from.

Remember, finding a job that meets your requirements may take some time and effort. Don’t get discouraged if you don’t find the right job right away. Keep applying and networking, and you’ll increase your chances of finding a job that meets your needs.

I hope this helps. Best of luck with your job search! ????

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Latest Questions
Ramalingam

Ramalingam Kalirajan  |11151 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 22, 2026

Money
If I want to withdraw 1.5 lac per month, which SWP is better and how much should I invest in it?
Ans: It is very good that you are planning SWP (Systematic Withdrawal Plan) in advance. Planning monthly income properly helps protect your capital and gives stable cash flow.

To withdraw Rs 1.5 lakh per month, the correct SWP structure depends mainly on:

– your age
– investment horizon
– whether income is required lifelong or for limited years
– existing retirement corpus
– risk tolerance

Still, I will guide you with a practical structure that suits most long-term SWP income needs.

» How much investment is required to withdraw Rs 1.5 lakh per month

Normally, safe SWP withdrawal rate should be around:

– 6% yearly for very safe structure
– 7% yearly for balanced structure
– 8% yearly for growth-oriented structure

Based on this:

Approximate investment required:

– Conservative structure: around Rs 3 crore
– Balanced structure: around Rs 2.5 crore
– Growth-oriented structure: around Rs 2.25 crore

This allows income sustainability without early capital depletion.

If withdrawal period is limited (example 15 years), required corpus may be lower.

If income required lifelong, higher corpus is safer.

» Which mutual fund categories are best for SWP income

Best SWP income normally comes from a combination approach.

Ideal structure:

– 40% Multi asset allocation category fund
– 30% Balanced advantage category fund
– 20% Flexi cap category fund
– 10% Short duration debt category fund

This structure provides:

– income stability
– inflation protection
– market downside control
– long-term capital sustainability

Avoid using only pure equity category funds for SWP.

Avoid using only debt category funds also because inflation reduces value.

Combination approach works best.

» Why multi asset allocation category fund works well for SWP

This category invests across:

– equity
– debt
– gold

It adjusts allocation automatically and supports stable withdrawal planning.

Very suitable for retirement-style monthly income planning.

» Tax efficiency advantage of SWP

SWP is more tax-efficient compared to interest income.

Because:

– only capital gain portion is taxed
– equity mutual fund LTCG above Rs 1.25 lakh taxed at 12.5%
– debt fund gains taxed as per income slab

So proper category selection improves post-tax income.

» How to structure SWP correctly

Better approach:

– keep 2 years withdrawal amount in short duration debt category fund
– keep remaining corpus in multi asset + balanced advantage category funds
– review once per year
– increase withdrawal gradually based on inflation

This protects income continuity during market corrections.

» Important preparation before starting SWP

Before starting SWP ensure:

– emergency fund available separately
– health insurance active
– no high-interest loans pending
– nominee details updated

These steps protect retirement income stability.

» Finally

To withdraw Rs 1.5 lakh monthly comfortably, target corpus should ideally be between Rs 2.25 crore and Rs 3 crore depending on risk level.

Use combination of multi asset, balanced advantage, flexi cap and short duration debt category funds instead of relying on a single category. This improves income stability and protects capital for long-term sustainability.

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  |11050 Answers  |Ask -

Career Counsellor - Answered on Apr 22, 2026

Career
Namaskar, My son has got 93.60 percentile in JEE mains 2026 with General rank 100144 and OBC NCL rank 32618. I request you to kindly guide me can he get admission in SGSITS, Indore in CSE / IT / ETC branch having MP domicile or any other better option as per your recommendation.
Ans: Govind Sir, With 93.60 percentile, CRL 1,00,144 and OBC-NCL rank 32,618 (MP domicile), your son should try both MP BE counselling and JoSAA. For SGSITS Indore, recent MP-counselling data show General home-state closing ranks around CSE 18,410, IT 37,589, ETC 48,484 in 2025, so CSE looks difficult, IT is borderline, and ETC appears the most realistic; OBC-MP quota may improve chances somewhat. For JoSAA, at OBC 32,618, expect mainly lower-demand branches in mid/lower NITs, IIITs and GFTIs, not CSE/IT in top institutes. My recommendation: SGSITS ETC/IT first, then good MP colleges like IET-DAVV/JEC, while keeping JoSAA + CSAB as backup. (I suggest you also cross-check the JoSAA opening and closing ranks data from the last 2–3 years before filling in the maximum number of your son’s preferred institutions and branches during counselling). ALL the BEST for Your Son's Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

Nayagam P P  |11050 Answers  |Ask -

Career Counsellor - Answered on Apr 22, 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.

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