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Preetam Patil  | Answer  |Ask -

IIT-JEE, NEET-UG, MH-CET Expert - Answered on Mar 22, 2023

Professor Preetam Patil is the founder and principal of Mumbai-based Laksha 24, which offers coaching for IIT-JEE, NEET and MH-CET entrance exams and for Classes 11 and 12. He offers free online coaching through his YouTube channel, Prime Physics. Patil has an MSc in electronics from Nowrosjee Wadia College, Pune. With over 18 years of experience, PPT Sir has trained over 20,000 students, including toppers and aspirant tutors from across Maharashtra.... more
Asked by Anonymous - Feb 21, 2023Hindi

Dear Mr.Preetam, my son is 10th CBSE (standard maths)now, can he continue in CBSE for 11th and 12th Class or opt for state intermediate board of Telangana, he is opting for JEE and try for IIT

Ans: Welcome to the IIT-JEE Preparation journey. As the most popular and toughest exam, millions of students across India appear for the IIT-JEE every year with the dream of qualifying it.

Despite putting in their best efforts, many students still fail to crack the exam and miss the opportunity of entering their dream college. If you are one of them and looking for a way to increase your chances of cracking the IIT-JEE, then here we have a suggestion for you - go for dummy non-attending school.

Dummy non-attending school provides an effective way to prepare for IIT-JEE. All you need to do is just focus on your IIT-JEE preparation.

You can select any board which suits you best, but remember that scoring eligible marks is of utmost importance to crack the exam.
You can also get in touch with professional IIT-JEE preparation mentors who will provide you with detailed study plans and tips to crack the IIT-JEE. In addition, they can also assess your progress and help you in overcoming any obstacles that you may face during your preparation journey.

On top of that you can attend IIT Foundation Courses conducted by various institutes and IIT-JEE Coaching centres which provide guidance from experienced professionals and teachers. These courses will help you understand the concepts better and develop a good foundation in the topics which are important for cracking the exam.

Let’s consider the Telangana Board. This board is a regional entity which follows the syllabus prescribed by the state government. It offers students the chance to study with teachers and resources that are tailored to their needs. It also offers an intimate learning experience, with small classes, allowing students to gain a deep understanding of the topics they are studying. In addition, it also gives students the chance to explore their interests and prepare for many extracurricular activities.

Now let’s look at the CBSE Board. This board has gained a lot of credibility in recent years due to its recognized status as one of the leading school examination boards in India. It has a national recognition, and its syllabus is set by the Indian Ministry of Education. It offers students a more comprehensive coverage of various topics than the Telangana Board, including subjects such as science and mathematics, which are essential for IIT JEE preparation. In addition, studying for the CBSE examinations gives students the chance to practice with questions of higher difficulty and complexity than those available on the Telangana Board.

So which board should students opt for when preparing for the IIT JEE? Both boards have their advantages and disadvantages, and it really depends on each student’s specific needs and interests.

At last, we would like to remind you that hard work and dedication are both very important for cracking the IIT-JEE. So with a right approach and right resources, you can certainly qualify the exam.

I wish you all the best in your IIT-JEE preparation journey and best of luck!

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Moneywize   |122 Answers  |Ask -

Financial Planner - Answered on Jun 25, 2024

Asked by Anonymous - Jun 13, 2024Hindi
Ours is a family of 3 people -- My wife, I and my daughter who is 15. I am 39, my wife is 37 and our monthly expenses are Rs 90K. I own my house and expect to have no fixed income after 65 years, and expect to live till 75. Considering the ever increasing price rise what should be my corpus at 65 for me to continue living the life style I am living today?
Ans: Calculating your retirement corpus:

Here's how to estimate the corpus you'll need to maintain your current lifestyle after retirement:

1. Retirement period:

You plan to retire at 65 and expect to live till 75. So, your retirement period is 75 - 65 = 10 years.

2. Inflation adjustment:

You've rightly considered inflation. To estimate future expenses, we need to factor in inflation. A safe assumption for India is 5-7% inflation. Let's take an average of 6%.

3. Current monthly expenses:

You spend Rs 90,000 per month currently.

4. Future monthly expenses:

To find the monthly expense at retirement (at 65), we need to consider inflation for 26 years (39 years till retirement + 10 years retirement).

You can use an inflation calculator online or a simple formula:

Future monthly expense = Current monthly expense * (1 + Inflation rate)^number of years

In your case, Future monthly expense = Rs 90,000 * (1 + 0.06)^26 ≈ Rs 3,28,550 (approximately Rs 3.29 lakh)

5. Total corpus calculation:

Now you can calculate the total corpus needed. Here's a common approach:

Total corpus = Monthly expense * Number of years in retirement * 12 (months)

However, this method doesn't consider the fact that you'll be withdrawing money every month, reducing the corpus. A more accurate method is using the Time Value of Money (TVM) concept. There are online TVM calculators or Excel functions you can use.

Here's an alternative approach that provides a reasonable estimate:

Multiply the future monthly expense (Rs 3.29 lakh) by a factor considering inflation over the period. This factor can vary depending on your risk tolerance and investment strategy. A factor of 200 is often used as a conservative estimate.
Total corpus = Rs 3.29 lakh/month * 200 (factor) = Rs 6.58 crore (approximately Rs 658 million)

Additional factors to consider:

• Daughter's future expenses: Your daughter will be an adult by the time you retire. While she won't be financially dependent, consider any potential future support you might want to provide for her education or marriage.
• Healthcare costs: Healthcare expenses tend to increase with age. Factor in potential medical needs during retirement.
• Debt: If you have any outstanding debt by the time you retire, you'll need to account for its repayment in your corpus calculation.
• Investment returns: The corpus amount assumes a certain rate of return on your investments. Research different investment options and their potential returns to refine your calculations.


Consult a financial advisor for a personalised retirement plan considering your specific financial situation, risk tolerance, and investment goals. They can help you create a more comprehensive plan and suggest suitable investment strategies to achieve your corpus target.

Remember, this is an estimate. Regularly review your plan and adjust it based on changing circumstances.

...Read more


Mayank Chandel  |1003 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Jun 24, 2024

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