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Shekhar

Shekhar Kumar  |129 Answers  |Ask -

Leadership, HR Expert - Answered on Apr 15, 2024

Shekhar Kumar is an HR, talent, and client acquisition leader at Star Engicon Private Limited (SEPL). He has 18 years of expertise in the search and placement of executive leadership talent across various industries.
He has also mentored middle and senior management professionals for leadership positions and guided them in career development.
Shekhar has a bachelor's degree in business management from Magadh University, Bihar, and a master's degree in human resource management from Annamalai University, Tamil Nadu.... more
Md Question by Md on Apr 12, 2024Hindi
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Career

I'm a Mechanical engineer I have passed in 2017 till now I'm unemployed ... I have gave almost 100of competitive exams but failed .... My parents are getting older day by day but still I cannot did something for them .... But I thought to quit my life .... I'm frustrated.. if someone have any advice please give

Ans: Thank you for reaching out to me on Rediff Gurus. I'm really sorry to hear that you're going through such a difficult time. It's completely understandable to feel frustrated and overwhelmed when facing challenges like unemployment and the pressure of family responsibilities. However, I want to assure you that there is still hope and support available, and suicide is never the answer. Here are a few things to consider for yourself. First of all you should know that it is not your fault that you're facing difficulties in finding employment. The job market is incredibly competitive, and many factors beyond your control can influence hiring decisions hence try to be kind to yourself and recognize that setbacks are a natural part of life.

Please consider broadening your job search to go beyond government jobs to include different industries or roles that may utilize your mechanical engineering skills in unique ways. Networking with professionals in your field and attending job fairs can also help you discover new opportunities. Kindly break down your goals into smaller, manageable steps. Instead of focusing solely on finding a job, consider setting goals related to gaining new skills, volunteering, or pursuing further education. Celebrate each small achievement along the way.

If you're still struggling with feelings of depression or hopelessness, consider seeking professional help from a therapist or counselor. They can provide personalized support and strategies to help you cope with difficult emotions and develop a plan for moving forward. You can also talk to someone you trust, whether it's a family member, friend, or mental health professional near you. They can provide emotional support, guidance, and perspective.

Always remember that difficult times won't last forever, and there are always opportunities for growth and change. Stay hopeful and keep reminding yourself that things can get better with time and persistence. You're not alone in your struggles, and there are people who care about you like your parents, and they need you. Please don't hesitate to reach out for support, whether it's from loved ones, a mental health professional, or a helpline. You deserve to find happiness and fulfillment in your life, and there are resources available to help you get there. Feel free to contact me on Rediff Gurus if you need further assistance or help.
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Shekhar

Shekhar Kumar  |129 Answers  |Ask -

Leadership, HR Expert - Answered on Apr 21, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Career
I am in a last year of bba, i have not any skills not passion also i do not want to do mba as well as any government exams and all my parents are always say or ask me to what next i have no idea what is good or bad for me Also i have no entrepreneurial mindset so entrepreneurship is not for mine Please help
Ans: Thank you for sharing your career dilemma to me. It's understandable to feel uncertain about your future career path, especially when you haven't identified specific skills or passions yet. Consider gaining practical experience through internships, part-time jobs, or volunteer work in fields you're interested in exploring further. Internships can provide valuable insights into different industries, help you develop new skills, and expand your professional network. Invest in your personal and professional development by taking courses, workshops, or online tutorials to develop new skills or explore new interests. Look for opportunities to develop skills in areas like digital marketing, data analysis, project management, or communication, which are in demand across various industries. Reach out to professionals, alumni, or experts in fields you're curious about to learn more about their career paths and experiences. Networking can provide valuable insights, advice, and potential opportunities for job shadowing, informational interviews, or mentorship. Remember that it's okay to feel uncertain or undecided about your career path at this stage. Take the time to explore your options, try new things mentioned above, and trust that with self-reflection, exploration, and perseverance, you'll eventually find a career path that aligns with your interests, values, and aspirations.

..Read more

Archana

Archana Deshpande  |32 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Apr 25, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Career
Hi, Im a 23 year old mechanical engineering graduate, currently unemployed, I am feeling to do some progress everyday, but day after day, nothing changes, I cant figure out what to do with this life and feeling very much lost, Cant think properly on doing what changes my life?
Ans: Hello!!

This information you have shared is not enough to understand what is that you are exactly wanting right now.
Let me see how I can help you. First of all extend your arm and pat yourself on the back for completing your engineering. You are a mechanical engineer!! Celebrate the fact and feel good about yourself.

I like the fact where you say "I am currently, unemployed", this can change soon, look out for opportunities, keep attending interviews, prepare well, ask for help, give it your best shot. Treat every failure as part of a learning process in becoming better next time. Surround yourself with positive and encouraging people.

Till you find a job, live life well on a day to day basis-
1. wake up early
2. exercise
3. eat well and sleep well
4. dress well at home too, don't be in your pyjamas, you should be in such a state that if someone asks you to come for an interview right away, you must be ready
5. beware of negative self talk... nip negative thoughts in the bud
6. looking for a job is your full time job, keep looking
7. be helpful around the house if you are living with your parents
8. till you find a job keep learning and building on your skills
9. volunteer to teach and help the less fortunate lot
10. do not sit idle, keep your body and mind active

Constantly invest in activities that ensure your physical, mental, emotional and spiritual well being!! Have rituals that focus on these four pillars of your life!

Blessings and all the very best!!

..Read more

Archana

Archana Deshpande  |32 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on May 04, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Hello Sir/Ma'am I'm facing problems regarding money and career related. However I'm working I'm earning but I not able set a goal, and day by day I'm becoming older, family responsibilities can't be handled because of salary issues. What to do, when I was in 12th standard my sister advised me to choose engineering line, she gave me wrong advise now I'm suffering and she is also working earning well n good she is getting high package but I'm. I think my problem is I'm not able to set a goal. Please suggest me, guide me.
Ans: Hi!!

Can I begin by saying, "stop blaming anyone for your circumstances". Your sister advised you for your own good. Engineering is a good degree to have. If you are not happy with doing technical work then see if you can add an MBA or some other skills to increase your chances of earning more. Life is all about taking decisions on a minute to minute basis. Take the right decisions now, let's leave the past behind, thinking about it has no meaning now.
... will you promise me not to indulge in the three c's- don't COMPLAIN, CRITICIZE and CONDEMN!!
Let's look forward now ...
I always believe in putting everything that overwhelms me on paper... then it starts looking doable and simpler!
So that's your first task, put everything on paper( make a goal book, write everything in it), your desires, your dreams, your goals and a everyday to-do list.
The goals should be in every aspect of your life....
1. Financial Goal
2. Career Goal- what other skills do you need to earn the money you need and move ahead in your career
3. Relationships Goal, the quality of your life is based on the quality of your relationships
4. The goal of your physical and mental well being, if you are mentally and physically fit then you can live life well
5. How to be happy without any reason, that's your primary goal.... ask yourself "what are the ways in which I can have fun where money is not involved" - looking at the sun, spending time in nature, listening to the birds singing, playing with small children( they just want you, not your money), helping someone in need, sipping coffee peacefully, make a list of all these and try doing at least two of them every day.

I don't know how good is your relationship with your sister, you say she is doing well, can you ask for her help, without blaming? Ask for help and learn from her. I am sure blood is always thicker and she will help you.

Life is never a straight line, there will always be an up and a down!

Keep up your spirits, everyday is a new day, don't blame yourself, don't blame others. be kind to yourself and be kind to others.

Everyday, take one step towards your goals, move forward... and as regards to ageing, believe me age is just a number, you are as young as you think!!

Here's wishing you a happy, healthy , wealthy life ahead!!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 06, 2024Hindi
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Money
I'm having 35L lumpsum. Please suggest investment strategies to make it to 1CR in roughly 5 YEARS or before. Experienced & Professionals please suggest. I need help. Please.???? Your valuable insights & suggestions are MOST WELCOME. THANKS IN ADVANCE. KINDLY HELP ????????????
Ans: let's approach this with a realistic perspective. Achieving a 1 crore target in just 5 years from a 35 lakh lump sum is quite ambitious and may involve high-risk strategies. It's essential to understand that aiming for quick riches often leads to disappointment and potential loss of principal.

Instead of chasing unrealistic targets, focus on sustainable wealth-building strategies. Consider allocating your lump sum across a diversified portfolio of assets such as equity mutual funds, debt instruments, and possibly some exposure to real estate investment trusts (REITs) or gold ETFs for stability.

Aiming for a reasonable annualized return of around 12-15% is more realistic over the long term. Remember, slow and steady wins the race in wealth accumulation. Avoid falling for get-rich-quick schemes or high-risk investments promising unrealistically high returns.

Prioritize your financial goals, whether it's wealth creation, retirement planning, or other objectives, and tailor your investment strategy accordingly. Consult with a certified financial planner to create a personalized investment plan aligned with your risk tolerance and financial objectives.

In conclusion, while it may not be feasible to achieve a 1 crore target in just 5 years with a 35 lakh investment, adopting a disciplined and diversified approach to investing can help you steadily build wealth over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hello Jinal, greetings, I have been investigating in the below funds. Please let me know whether I should continue my SIP of 40K in these below funds for next 10,15,20 years. Investing since Apr 2023. Age 33, goals: retirement, children education and marriage. Funds: 1. Axis growth opportunities direct fund. 2. DSP Value fund direct. 3. SBI multi cap direct fund. 4. PPFAS flexi cap direct fund. 5. Quant tax saver fund direct. Reason to choose these funds to get diversified categories as well as international exposure. Adding more, like each funds strategies are different from each other.
Ans: It's great to see your commitment to long-term financial planning! Your chosen funds indeed offer a well-rounded portfolio catering to various investment objectives. Each fund's distinct strategy enhances diversification, mitigating risk and maximizing returns over time.

Axis Growth Opportunities fund provides exposure to high-growth potential companies, aligning with long-term wealth accumulation goals. DSP Value fund, focusing on undervalued stocks, adds stability to your portfolio, crucial for achieving financial milestones like children's education and marriage.

SBI Multi Cap fund's flexibility in investing across market caps ensures adaptability to market dynamics, essential for sustained growth. PPFAS Flexi Cap fund's international exposure offers a hedge against domestic market volatility, fostering global wealth creation opportunities.

Quant Tax Saver fund not only aids in tax efficiency but also provides a unique investment approach, complementing the other funds' strategies. However, it's vital to monitor fund performance periodically and rebalance if necessary to stay aligned with your goals.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Remember, investing is a marathon, not a sprint. Stay disciplined, and trust the process. Your dedication to systematic investment will yield significant results over the years, securing a comfortable future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hello Sir, greetings, I have been investigating in the below funds. Please let me know whether I should continue my SIP of 40K in these below funds for next 10,15,20 years. Investing since Apr 2023. Age 33, goals: retirement, children education and marriage. Funds: 1. Axis growth opportunities direct fund. 2. DSP Value fund direct. 3. SBI multi cap direct fund. 4. PPFAS flexi cap direct fund. 5. Quant tax saver fund direct. Reason to choose these funds to get diversified categories as well as international exposure. Adding more, like each funds strategies are different from each other.
Ans: It's great to see your commitment to long-term financial planning! Your chosen funds indeed offer a well-rounded portfolio catering to various investment objectives. Each fund's distinct strategy enhances diversification, mitigating risk and maximizing returns over time.

Axis Growth Opportunities fund provides exposure to high-growth potential companies, aligning with long-term wealth accumulation goals. DSP Value fund, focusing on undervalued stocks, adds stability to your portfolio, crucial for achieving financial milestones like children's education and marriage.

SBI Multi Cap fund's flexibility in investing across market caps ensures adaptability to market dynamics, essential for sustained growth. PPFAS Flexi Cap fund's international exposure offers a hedge against domestic market volatility, fostering global wealth creation opportunities.

Quant Tax Saver fund not only aids in tax efficiency but also provides a unique investment approach, complementing the other funds' strategies. However, it's vital to monitor fund performance periodically and rebalance if necessary to stay aligned with your goals.

There are some advantages to consider direct funds, and the cost savings can be significant in the long run. However, there are some potential benefits to using a regular MFD:
Advantages of Investing Through a Mutual Fund Distributor (MFD):
• Personalized Advice: MFDs can be helpful for beginners or those who lack investment knowledge. They can assess your risk tolerance, financial goals, and investment horizon to recommend suitable mutual funds. This personalized guidance can be valuable, especially if you're new to investing.
• Convenience: MFDs handle all the paperwork and transactions on your behalf, saving you time and effort. They can help with account setup, SIP registrations, and managing your portfolio across different funds.
• Investor Support: MFDs can be a point of contact for any questions or concerns you may have about your investments. They can provide ongoing support and guidance throughout your investment journey.


Remember, investing is a marathon, not a sprint. Stay disciplined, and trust the process. Your dedication to systematic investment will yield significant results over the years, securing a comfortable future for you and your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hi I'm Atish, I want to invest a lumpsum of 3lakhs in which fund I should invest please guide.
Ans: Hello Atish,

Investing a lump sum of 3 lakhs requires careful consideration of your financial goals, risk tolerance, and investment horizon. Here's a suggestion on where you could invest:

Given the current market conditions and your investment horizon, consider allocating your lump sum across a diversified portfolio of mutual funds. Since you're investing a significant amount at once, it's crucial to mitigate risk by spreading your investments across different asset classes.

You can consider investing in a combination of large-cap, mid-cap, and multi-cap equity funds to capture growth opportunities across market segments. Additionally, allocating a portion to debt funds can provide stability to your portfolio and reduce overall volatility.

Look for mutual funds with a proven track record of consistent performance, low expense ratios, and experienced fund managers. Consider funds that align with your investment goals and risk appetite.

Before making any investment decisions, it's advisable to consult with a Certified Financial Planner who can assess your financial situation, goals, and risk tolerance. They can help you design a personalized investment strategy and select suitable mutual funds to achieve your objectives.

Remember to review your investments periodically and make adjustments as needed to stay on track towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

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Money
Hi sir I started my investment in dsp mutual fund with 11,000 from July 2023 and in Bank of India mutual fund in small flexi and multi cap 4000 each every month from December what could be me return after 15 years
Ans: Predicting the exact returns of mutual fund investments over 15 years is challenging due to market uncertainties. However, we can estimate potential returns based on historical performance and certain assumptions.

DSP Mutual Fund and Bank of India Mutual Fund offer a range of equity-oriented funds, which historically have provided higher returns over the long term compared to fixed-income investments.

Assuming an average annual return of 12% for DSP Mutual Fund and 10% for Bank of India Mutual Fund, which are reasonable estimates based on historical market performance, we can project the future value of your investments.

Considering your monthly investments of 11,000 in DSP Mutual Fund and 8,000 (4,000 each) in Bank of India Mutual Fund, let's calculate the future value using a mutual fund calculator.

After 15 years, your investments could potentially grow substantially, providing a significant corpus for your financial goals. However, it's essential to review and adjust your investments periodically based on market conditions and your financial objectives.

Keep in mind that these are projections based on historical data and assumptions. Actual returns may vary depending on market performance and other factors. It's advisable to consult with a Certified Financial Planner for personalized investment advice tailored to your specific needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Hi sir I am 58 years old. I never invested any stock market or shares or any such market funds I was working in gulf country. Earned around 8cr . Now all in fixed deposits. I was busy during my job time. I was only concentrate my jobs .now I want advice how to invest on My atleast half amount MF smilar funds. I also invested realestate around 25 years back. Now all got good appreciation. I have 2daughter and one son.daughters are earning good salary. Son studying.no loan or no commitment . Please advice how I can invest on MF stock linked market so I can make enough better growth than fixed deposits
Ans: It's commendable that you're considering diversifying your investments beyond fixed deposits, especially given the potential for higher returns in the stock market. Let's explore how you can begin investing in mutual funds (MF) and similar funds with a portion of your wealth.

Since you're new to the stock market and MFs, it's wise to start with a conservative approach. Consider investing a portion of your fixed deposits into balanced funds or equity-oriented hybrid funds. These funds offer a mix of equity and debt instruments, providing growth potential while mitigating risk.

Given your substantial corpus, you have the flexibility to invest in a diversified portfolio of mutual funds across different categories. Allocate funds based on your risk tolerance, financial goals, and investment horizon.

For long-term wealth creation, equity mutual funds, particularly large-cap and multi-cap funds, can be suitable. These funds invest in well-established companies with strong growth potential, offering the possibility of higher returns over time.

Consider investing systematically through Systematic Investment Plans (SIPs), which allow you to invest a fixed amount regularly. SIPs help in rupee-cost averaging and reduce the impact of market volatility on your investments.

Since you have no immediate financial commitments and your children are financially independent, you can afford to take a long-term view with your investments. Focus on staying invested for the long haul to benefit from the power of compounding.

However, it's crucial to consult with a Certified Financial Planner who can assess your financial situation, risk appetite, and investment objectives. They can help you devise a personalized investment strategy and guide you through the process of investing in mutual funds.

In conclusion, by diversifying a portion of your wealth into mutual funds, you can potentially achieve higher growth than fixed deposits over the long term. With careful planning and professional guidance, you can navigate the complexities of the stock market and work towards your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

Ravi

Ravi Mittal  |190 Answers  |Ask -

Dating, Relationships Expert - Answered on May 11, 2024

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Relationship
Hello Sir/Ma'am, Myself Sachin. Basically I'm from Thrissur (Kerala) where I born. But in terms of education, I did my schooling & colleges from Pune (Maharashtra). My DOB is 30th October 1984. So right now I'm 39. Till now I'm single trying to get a life partner to have a good understanding since 7 years. However, no one I got yet. Even I tried dating through online dating app called quack quack where sometimes I get a positive responses. But later on, that relationship doesn't prolongs. In this situation, what shall I do to have a good life partner? Right now I reside in Coimbatore (Tamilnadu) with my parents in one of the senior citizen complex. In terms of education I did my BBA from Delhi University. Also have work experience into customer support voice process for about 9 years. Currently I run my business as a photostat in Coimbatore.
Ans: Hi Sachin,

I understand that dating can sometimes be very frustrating. You have every right to start wondering whether it will work or not. Since you have already tried dating apps and even had a positive experience, I would ask you to recognize that as a win first. Second, let me share some tips with you that might help you find the right kind of matches:

- Write a detailed and attractive Bio. What should it include? 40% about yourself- your education, your quirks and habits, likes and preferences, and everything that makes you you. 10% about what you can offer as a partner. 10% about the type of relationship you want. Do you want to date exclusively, or are you looking for casual? Are you looking to get married or long-term dating? Mention it clearly to attract the right matches. The remaining 40% should be about the kind of person you want to date. Your idea of a perfect partner. It would save you a lot of time and energy on the relationships that start strong but eventually fizzle out.

- The display picture can play an important role. Always pick a recent and clear image to never mislead anyone. Choose an image that shows you in your element, preferably smiling because that makes you seem warm and welcoming. Refrain from over-editing.

- Another important step is the first message. Write a detailed and personalized first message instead of a Hi.

Other than this, I would ask you to have patience. Regardless of the mode of dating, finding the right partner can take time in certain instances. Good things take time.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |190 Answers  |Ask -

Dating, Relationships Expert - Answered on May 11, 2024

Ramalingam

Ramalingam Kalirajan  |1981 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 2024

Asked by Anonymous - May 06, 2024Hindi
Listen
Money
Hi i am 42 yrs i am govt servent going to retire at 58 currently my salary 60pm from last one years i started investing in mutual fund 10k in nippon small cap 5k in sbi large and small cap and this years started 5k in nippon flexi cap fund currently i hav 24lac in ppf account also need to make small home for that i need 40 lac suggest me some should i take home lone or use my savings for that
Ans: Considering your retirement in 16 years and your current investment in mutual funds and PPF, let's analyze your options for purchasing a home.

You're off to a good start with your mutual fund investments, providing potential growth over the long term. However, investing in equity funds for a short-term goal like buying a house carries risk due to market fluctuations.

Given your timeline and the need for 40 lac for a home, it's prudent to explore multiple avenues. Utilizing your savings in PPF is an option, but it might not cover the entire cost.

Taking a home loan could be a viable solution. It allows you to preserve your savings and spread the cost of the house over a longer period. However, consider the loan's interest rate, tenure, and your ability to repay post-retirement.

Alternatively, you could partially fund the home with your savings and take a smaller home loan, reducing the burden of EMIs post-retirement. This approach offers a balance between utilizing savings and leveraging loans.

Consult with a Certified Financial Planner to assess your risk tolerance, evaluate loan options, and devise a suitable strategy aligned with your financial goals and retirement plans.

In summary, weigh the pros and cons of using savings versus taking a home loan, considering factors like interest rates, repayment capacity, and post-retirement income. With careful planning, you can achieve your goal of owning a home while safeguarding your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

...Read more

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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