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Aashish

Aashish Sood  | Answer  |Ask -

CAT, Management Expert - Answered on May 30, 2024

Aashish Sood is an IIM-Lucknow alumnus who has been teaching maths and quantitative aptitude to MBA aspirants for over a decade.
He also mentors management student hopefuls for the group discussion and personal interview rounds that follow competitive examinations.
He has appeared for CAT seven times since 2016 and scored in the 99.9 percentile.
Sood has 16 years of work experience as a management consultant, strategy consultant and research associate.... more
Saransh Question by Saransh on May 28, 2024Hindi
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Career

Sir, I have passed 12th class this year with 67% overall and 64%0 in PCM. My JEE score is very low but surely not negative. I want to join B Tech In Computer Science course. But it is impossible. Now I have applied for B Sc in computer Science and Data Analysis which is 3 years course from IIT Patna in hybrid mode, mostly online course. Will that be suitable for me in compare of same course as a regular student from any college of Delhi University or any other central University on the basis of CUET exam. Kindly guide about prospectus of BSC from IIT Patna particularly.

Ans: IIT Patna (Hybrid Mode)
Pros:
1. IIT Brand Name
2. Quality Education
3. IITs typically offer up-to-date curricula that reflect advancements in the field of computer science, ensuring you receive relevant and industry-aligned education.
4. You'll have the chance to connect with peers, faculty, and alumni of IIT Patna, potentially opening doors to valuable networking opportunities.
Cons:
1. Online or hybrid learning may limit direct interaction with professors and classmates compared to traditional classroom settings.
2. Requires strong self-discipline and motivation to stay on track with coursework and assignments without regular in-person classes.

BSc (Through CUET Exam)
Pros:
1. In-person learning allows for more direct interaction with professors and classmates, facilitating deeper understanding and collaboration
2. Access to campus facilities, resources, and extracurricular activities
3. Better social skills, networking
Cons:
1. Admission to prestigious colleges like Delhi University can be highly competitive
2. Lack the brand name of an IIT degree.
Career

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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....
Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest

...Read more

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