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Mayank

Mayank Chandel  |1944 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 10, 2023

Mayank Chandel has over 18 years of experience coaching and training students for various exams like IIT-JEE, NEET-UG, SAT, CLAT, CA and CS.
Besides coaching students for entrance exams, he also guides Class 10 and 12 students about career options in engineering, medicine and the vocational sciences.
His interest in coaching students led him to launch the firm, CareerStreets.
Chandel holds an engineering degree in electronics from Nagpur University.... more
Shristi Question by Shristi on Mar 03, 2023Hindi
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Career

Ma'am it's my first attempt and i am also appearing right now in boards. Ma'am my class 11 physics is not good and i will manage my chemistry and physics of class 11 and for class 12 my biology I know very well and i can do any questions of biology and chemistry is also good but physics is not so good.So,ma'am what can I do for my preparation.So that I can score at least 400-500 marks.and ma'am. Taking a drop is good when?when we study self or by any institute ma'am and which book is best,as ncert is best i know but for solving multiple choice questions which book is best ma'am.and ma'am I belong from SC caste.So can you tell me ma'am for SC caste getting MBBS seat for SC,how much score is required for getting MBBS seat in NEET for SC caste.and ma'am what study hour we can follow for the students who take drop ma'am.thats all ma'am my question is from you.i hope ma'am you will answer my question ma'am. But i am now totally focusing on my boards ma'am.

Ans: Hello Shrishti,

Here are some tips for preparing for NEET and improving your physics:

Focus on understanding the concepts: NEET is an exam that tests your understanding of concepts and their applications. So, it's important to focus on understanding the concepts rather than just memorizing them. This can help you to solve different types of questions.

Work on your weak areas: Identify your weak areas and work on them. For example, if your physics is weak, try to understand the concepts by watching videos or reading different books. Practice solving problems related to those concepts regularly.

Practice previous year question papers: Solving previous year question papers can help you to get an idea about the exam pattern and the type of questions that can be asked in the exam.

Take mock tests: Mock tests can help you to identify your strengths and weaknesses. It can also help you to manage your time during the exam.

Choose the right study materials: Apart from NCERT books, you can refer to other study materials like coaching center notes, reference books, etc. For solving multiple-choice questions, you can use books like Objective Physics by DC Pandey or Objective Biology by Dinesh.

Though the cutoff keeps changing every year, getting a good college for your category requires at least 450+ marks.

I would suggest don't think of taking a drop right now and focus completely now on NEET. Once the results are out then we will look after the further steps.

All the best.
Career

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Radheshyam

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MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 04, 2024

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sir i am going to give my pcb board examinations cbse in 2025 and i will also be writing neet in 2025 . here are some questions :- 1. if i take a drop and start preparing for jee mains instead of neet by adding maths to my subjects , which will be a better option among these ? a) writing the on demand exam for maths from nios and if i do so what should information has to be given in jee mains form because i have previously given neet through nta b) writing the public exams for all five subjects pcm from nios.then what should be written in jee main form c) giving a maths exam from cbse as aprivate candidate . and will two marksheets one including maths and one including pcb affect my jee form and counseling do 2 marksheets make a propblem in counselling or filling form and if not what should be entered in form for marksheets of 2 different years or boards 2. if i have maths from nios which board do i have to enter in jee mains form ? i am very confused , please help
Ans: Hello Baqir.
It seems that you are very confused. As you said, you have already appeared for NEET i.e. this is your drop year. Yet you are not confident about NEET 2025. If you have taken NEET previously, then how again you are appearing for the board exam is also not clear. If you have already given NEET and are preparing for NEET again, then why you are thinking about JEE without any reason is also unclear. You have created a lot of problems in your mind without any reason. This is because you are not focussing on the syllabus and studies but rather thinking in an irrelevant direction. The question arises, why not you are appearing with mathematics on the CBSE board? It is suggested that you appear to NEET 2025 with full preparation. If you score less also, then there are many courses in the medical field in which you can get admission. Leave all worries, thoughts, and no mark sheets, JEE issues and focus only on NEET 2025. It is also suggested that you please meet face to face a counselor to understand you more and guide you properly.
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Ramalingam

Ramalingam Kalirajan  |7215 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 07, 2024

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I am 65 year age retired and have no pension. I have made investment in few govt schemes and get some regular income by way of interest but due to inflation and low interest rates scenario emerging pl suggest basket of investment to get regular monthly income of Rs 50000 . I have handsome amount in ppf account which is about to mature
Ans: Your situation reflects prudent planning with investments in government schemes and a maturing PPF. However, inflation and low interest rates demand a diversified strategy for consistent and inflation-adjusted income.

Steps to Achieve Rs. 50,000 Monthly Income
1. Reassess Your Current Investments

Evaluate the performance of your government schemes and compare their returns.
Retain investments offering guaranteed and steady income, like Senior Citizen Savings Scheme (SCSS) or Post Office Monthly Income Scheme (POMIS).
Redeploy funds from low-yield investments to more productive avenues.
2. Utilise the Maturing PPF

PPF offers tax-free corpus. Use this to create a diversified portfolio for stable income and growth.
Split the PPF corpus into equity mutual funds and safer debt instruments.
3. Diversify with Debt and Hybrid Funds

Invest in conservative hybrid funds to generate regular income and protect capital.
Include short-term and medium-term debt funds for steady returns, which are higher than fixed deposits.
4. Set Up a Systematic Withdrawal Plan (SWP)

Use equity or hybrid mutual funds to set up SWPs.
An SWP ensures a steady monthly income while your capital continues to grow.
5. Consider Dividend-Yielding Funds

Dividend-paying mutual funds offer periodic cash flow and potential for capital appreciation.
6. Fixed Income Instruments for Safety

SCSS: Offers assured returns and is tailor-made for senior citizens. Invest up to Rs. 30 lakh as a couple.
POMIS: Provides reliable income for smaller investments.
7. Include Tax-Free Bonds

Invest in high-quality tax-free bonds for steady, tax-efficient interest.
Creating the Income Plan
To achieve Rs. 50,000 per month:

Allocate a portion of funds to safer options like SCSS, POMIS, and tax-free bonds for stability.
Use equity and hybrid funds for growth and inflation protection.
Combine these with SWPs for regular income.
Tax Planning
Interest from SCSS and POMIS is taxable, so invest carefully.
Equity mutual funds have tax-efficient withdrawal options.
Debt funds offer indexation benefits for long-term investments.
Emergency and Health Fund
Keep at least 12 months of expenses in a liquid fund for emergencies.
Maintain your health insurance to handle rising medical costs.
Final Insight

A mix of secure instruments, mutual funds, and systematic withdrawals can comfortably generate Rs. 50,000 monthly income. Periodically review your plan with a Certified Financial Planner to adapt to changing needs and market conditions.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Shalini Singh  |140 Answers  |Ask -

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Ramalingam Kalirajan  |7215 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 07, 2024

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What should be the corpus one should have in order to get 150000 per month post retirement ??
Ans: To determine the required corpus, let’s address key factors like expenses, inflation, withdrawal strategy, and longevity. A comprehensive plan ensures sustainability.

Factors Influencing Corpus
Monthly Income Requirement
Rs. 1,50,000 per month translates to Rs. 18,00,000 annually.

Inflation Impact
With an average inflation rate of 6%, future expenses will significantly increase.

Withdrawal Rate
A safe withdrawal rate is typically 3-4% per year. This ensures the corpus lasts throughout retirement.

Post-Retirement Investment Returns
Assume a conservative return of 7% from a balanced portfolio after retirement.

Longevity
Plan for a 30-35 year retirement horizon to ensure financial independence.

Calculating the Corpus
Using a 4% withdrawal rate, the corpus should be:
Rs. 18,00,000 ÷ 4% = Rs. 4.5 crore.

Adjust for Inflation:
If retirement is 10 years away and inflation is 6%, you’ll need about Rs. 8 crore to maintain the same lifestyle.

Steps to Build This Corpus
Increase Equity Exposure Now
High-growth equity funds can accelerate wealth accumulation during the pre-retirement phase.

Gradual Shift to Conservative Assets
Transition to hybrid or debt funds five years before retirement to protect the corpus from market volatility.

Systematic Withdrawals
Post-retirement, use SWPs in mutual funds to create a steady monthly income of Rs. 1,50,000.

Health and Emergency Funds
Maintain a separate contingency fund to handle medical emergencies and other unexpected costs.

Tax Implications
Equity Fund Withdrawals:
LTCG above Rs. 1.25 lakh taxed at 12.5%.

Debt Fund Withdrawals:
Taxed as per your income slab.

Plan withdrawals tax-efficiently to optimise cash flow.

Final Insight

With proper planning, achieving a corpus of Rs. 8 crore is feasible for a comfortable retirement. Consult a Certified Financial Planner to optimise your investments and roadmap.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Archana

Archana Deshpande  |86 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 07, 2024

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Hi, I have been an introvert guy for my whole life, but somehow I always got good colleagues which became great friends. But from last 5 years I am in a office where very few people works and that too they are not connected to me. Hence, I get a very little exposer with them. Feels so much lonely in office as there is not a lot of workload also. Most of my day goes watching reels on social media. Sometimes i forgot when last i smiled/laughed at office place where I spends 9 hours of my day (I do talk to my family over phone, but can't help my loneliness). what can I do....worried... A very lonely 45 year male.....
Ans: Dear Sunil,

No one is clear cut introvert or an extrovert, look at yourself closely too... in some circumstances you behave like an extrovert and some areas you behave like an introvert.

Be brave and say "hi" to people around you in the office, you be the first one to greet, this itself can be a starting point to making new friends. A smile and a pleasant "hi" is all it takes.
Look for opportunities to connect with ppl in the office, instead of sending mails or reminders to ppl electronically, just walk up to them and speak to them or call them up to say you have sent a mail/reminder. This way you can establish a human connect.
Also check if you can go to the dining area to eat lunch and during breaks.. do not sit at your desk and have lunch.
Social media and watching reels is a "big no" if you are yearning for human connections. I am glad you talk to your family...outside the office, join book clubs, singing clubs, drama clubs or anywhere your interest lies...you can join a classroom to learn and develop a new skill....

Also check if you are getting enough sleep, exercise, fresh air , sunshine during the day....focus on your diet too!!

Hope this helps... take care of yourself!

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