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Engineering Aspirant Seeks Guidance: BITS Hyderabad, DTU, PEC, or Goa?

Sushil

Sushil Sukhwani  |617 Answers  |Ask -

Study Abroad Expert - Answered on Jul 05, 2024

Sushil Sukhwani is the founding director of the overseas education consultant firm, Edwise International. He has 31 years of experience in counselling students who have opted to study abroad in various countries, including the UK, USA, Canada and Australia. He is part of the board of directors at the American International Recruitment Council and an honorary committee member of the Australian Alumni Association. Sukhwani is an MBA graduate from Bond University, Australia. ... more
Vikas Question by Vikas on Jul 03, 2024Hindi
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Career

My son may get Bits Hyderabad MAC or CSE, DTU SE/MAC, PEC, Chandigarh CSE. What is advisable for him. Is Bits Goa ECE also advisable??

Ans: Hello. First and foremost, thank you for getting in touch with us. However, I would like to let you know that we only deal with overseas education. If you are interested in pursuing an education abroad in countries like the USA, the UK, Canada, Australia, Germany, etc., then do get in touch with us and our team of qualified counselors will be more than willing to assist you. Thanks!

For more information, you can visit our website: www.edwiseinternational.com
You can also follow us on our Instagram page: edwiseint
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Nayagam P

Nayagam P P  |10233 Answers  |Ask -

Career Counsellor - Answered on Jun 10, 2025

Asked by Anonymous - Jun 07, 2025
Career
Hi Nayagam sir, My son is getting CSE at RVCE, Information amd Communication Technology at DAIICT and ECE at BITS GOA. Could you please advice which he can prefer? Should we consider brand value of BITS or prefer course?
Ans: All three options—CSE at RVCE, ICT at DAIICT, and ECE at BITS Goa—are from top-tier institutions with strong reputations, excellent infrastructure, and robust placement records. RVCE’s CSE program stands out for its consistent 93–97% placement rate over the last three years, strong industry connections, and a curriculum blending theoretical and practical learning, especially benefiting from its location in Bangalore’s tech hub and a vibrant peer network. DAIICT’s ICT program is highly regarded, accredited with NAAC A+, and maintains a 90% placement rate, with top recruiters like Microsoft, Google, and Amazon, and a curriculum that fosters a strong coding culture and flexibility for interdisciplinary learning. BITS Goa, with its national brand value, offers a rigorous ECE program, a flexible academic structure, and a placement rate consistently above 90% (recently 91.79%), attracting major global recruiters and providing a vibrant campus life and strong alumni network. While BITS Goa’s brand and alumni network are unmatched and ECE offers interdisciplinary opportunities (including software roles), the CSE branch at RVCE and ICT at DAIICT are more directly aligned with the booming tech/software sector, offering slightly higher placement rates and more specialized software-oriented training. Considering both course relevance and institutional reputation, if your son’s primary interest is in core software/tech roles, CSE at RVCE or ICT at DAIICT would be preferable, with a slight edge to RVCE CSE due to its exceptional placement consistency and Bangalore advantage; however, if he values brand value, flexibility, and the possibility of exploring diverse career paths (including electronics, software, and higher studies abroad), BITS Goa ECE is an excellent choice. Recommendation: Prefer CSE at RVCE for focused software/tech careers, but BITS Goa ECE is the best if brand value and a broader set of opportunities are the priority. All the BEST for your Son's Admission & a Prosperous Future!

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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
Money
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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