I Can't Focus on Studying, Should I Take a Job?

Ans: No. You cannot take JEE Main in 2028 by just giving 5 subjects in NIOS after passing 12th in 2025,

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Radheshyam

Ans: Yes. You can register for JEE Mains now and correct the name later (during the correction window or before counselling with a supporting certificate). This generally won’t cause a problem as long as you update the documents to match before seat allocation.

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Radheshyam

Ans: BITS Pilani CS is generally considered the better overall choice (brand, opportunities, and placements) if fees aren’t a concern.

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Radheshyam

Ans: Don’t rely only on PSUs! Competition is very high. Skills and experience can offset an average CGPA in private IT, while GATE/govt prep serves as your safety net. Try to raise your CGPA above 7, as many companies and some government roles use 60%+ as a cutoff, but 6.89 is still workable. Follow a dual approach: make placements/internships your main focus. Since service-based IT firms are the most practical entry, keep GATE prep as a slow backup. However, it is highly recommended that you contact your college's placement division for more details on the current requirements.

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Radheshyam

Ans: You haven't mentioned if you've already applied/appeared for JEE Main January 2026 session. For April session registration, FIRST get your NCL/caste certificates corrected from the issuing authority (7-15 days process), then register by Feb 25. Form corrections won't fix certificate mismatches—JoSAA will reject mismatched documents. Apply for 2-3 additional engineering entrance exams as backup options rather than depending solely on JEE. All the BEST for Your JEE preparation!

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Ans: You have done very well to start early, invest regularly, and build a sizeable corpus of around Rs.24 lakh by age 38. Investing as a couple, keeping a long-term view, and accepting moderate-to-high risk clearly show discipline and maturity. This itself puts you ahead of many investors.

» Target Feasibility and Time Horizon
– A 9-year horizon is reasonably good for equity-oriented investing, especially when SIP amount is strong and discipline is visible.
– With a monthly SIP of around Rs.55,000 and an existing corpus already in place, the target range of Rs.1.75 Cr to Rs.2 Cr by 2035 is achievable, but it will not happen by default.
– Market returns will not be even every year. Some years will test patience. Staying invested matters more than timing.
– To improve certainty and reduce pressure in later years, annual step-up is strongly advisable.

» Need for SIP Step-Up
– Without increasing SIP, the gap between effort and target may widen, especially if markets give average returns.
– A yearly step-up of even 8% to 10% can make a big difference over 9 years.
– Step-up should ideally match salary growth, bonuses, or business income rise.
– This keeps lifestyle stable while wealth grows silently in the background.

» Portfolio Structure Assessment
– Overall, your asset mix shows good balance across growth-oriented equity, stability-oriented allocation, and some global exposure.
– Splitting investments between spouses is sensible for long-term planning and tax efficiency.
– Exposure to mid-sized companies adds growth, but it also adds volatility. Your risk profile supports this, but allocation must be controlled.
– Flexibility-oriented funds give stability during market cycles and help reduce sharp drawdowns.
– Multi-asset exposure helps in volatile phases, but too many similar allocations can reduce clarity.

» Observations on Equity Allocation
– There is overlap in categories across both portfolios, especially in flexi and mid-cap styles.
– Too many funds in similar categories do not always improve returns; they often dilute conviction.
– A slightly more streamlined structure can improve monitoring and discipline.
– Growth funds should remain the core, but risk concentration must be watched as the goal year approaches.

» Gold, Silver, and Overseas Exposure
– Limited allocation to precious metals is fine as a stabiliser, not as a return driver.
– Keeping this allocation capped avoids drag on long-term growth.
– Overseas equity exposure adds diversification and currency hedge, but it should not dominate the portfolio.
– Periodic review is important as regulations and valuations change.

» What Changes Can Be Considered
– Reduce duplication across similar equity styles between both portfolios.
– Keep one clear growth-oriented core and one stability-oriented support structure.
– Gradually increase allocation to relatively stable equity styles after age 42–43 to protect accumulated corpus.
– Ensure each fund has a clear role; if the role is unclear, the fund may not be needed.

» Risk Management and Goal Alignment
– As the corpus grows, protecting gains becomes as important as chasing returns.
– Around the last 3 years, volatility management should take priority over aggressive growth.
– Periodic rebalancing is essential, especially after sharp market rallies.
– Emergency fund, health cover, and term protection should be adequate so investments are never disturbed mid-way.

» Tax Awareness While Investing
– Equity mutual fund gains held long term are taxed only beyond the exempt threshold, which supports long-term discipline.
– Short-term exits are costly from a tax point of view and should be avoided unless absolutely necessary.
– Asset allocation discipline reduces unnecessary churn and tax leakage.

» Finally
– Your goal is realistic, your discipline is strong, and your starting point is solid.
– Annual SIP step-up is not optional; it is the key enabler for reaching the upper end of your target.
– Simplification, role clarity of funds, and periodic review will improve outcomes without increasing stress.
– Staying invested with patience will matter more than reacting to short-term market noise.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: You have taken a decisive step to secure fixed monthly income at an advanced age, and that shows clear intent for stability and peace of mind. At 75, income certainty matters more than growth, and your question is very valid.

» Understanding the Monthly Payout
– For a single premium of around Rs.10 lakh at age 75, under the life-long monthly income option without return of purchase price, the payout is on the higher side compared to younger ages.
– The expected monthly income works out to roughly in the range of Rs.6,200 to Rs.6,500 per month.
– This amount is paid for life, as long as the annuitant is alive.
– There is no maturity value or return of capital under this option.

» Why the Amount Is in This Range
– Higher age means higher annuity rate, because the expected payment period is shorter.
– Monthly payout is lower than yearly mode, as monthly payments involve higher administrative adjustment.
– Once the policy is issued, this income is fixed and will not increase with inflation.

» Important Practical Points to Keep in Mind
– The income starts after policy commencement, usually from the next payout cycle.
– The pension received is taxable as per your income tax slab.
– There is no liquidity; the capital cannot be withdrawn later.
– The policy can be cancelled only during the free-look period, if still applicable.

» 360-Degree View on Retirement Income
– Fixed pension gives mental comfort, but inflation slowly reduces its real value.
– Medical costs tend to rise sharply after 75, so adequate health insurance and liquid savings are equally important.
– Other family members should be aware that there is no death benefit under this option.

» Finally
– Expect a monthly pension of around Rs.6,200–6,500 from the Rs.10 lakh invested.
– The income is stable, predictable, and lifelong, but it does not grow.
– Review overall family cash flow and medical preparedness so this income supports, not restricts, your lifestyle.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

Ans: its a mutual fund dear and not a magic wand, you need to wait for atleast 3yrs to see the real gain.

Ans: you need to clarify on whether the gain is short term or long term, its only allowed in long term capital gain and you need to open a capital gain account and place the money in the Capital Gains Account Scheme.