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Nayagam P

Nayagam P P  |10976 Answers  |Ask -

Career Counsellor - Answered on Mar 09, 2026

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Asked by Anonymous - Mar 07, 2026Hindi
Career

I am pcb stream student currently 20 year old my father is a mutual fund distributor and I want to do the same job can any one help me how I can become better and should I do cfa or cfp

Ans: Before addressing your question, I’d like to share something from my experience working with students and parents. Choosing a career similar to your father’s is perfectly fine—but only if you are genuinely passionate about the financial investment field. It should be your interest, not just a family expectation. Now, let’s come to your question.
Go for Certified Financial Planner (CFP) to excel as a mutual fund distributor like your dad. CFP focuses on client financial planning—perfect for selling funds, building trust, and growing your practice in India—while CFA dives deep into investment analysis better for portfolio management jobs. CFP is quicker (months vs. years), cheaper, and directly boosts distributor credibility with clients and Asset Management Companies like HDFC, SBI, etc. First, pass NISM V-A: Mutual Fund Distributors Certification Examination (mandatory, easy entry post-12th) of the National Institute of Securities Markets. However, you must possess the following key skills: communication to explain funds simply, financial acumen for product picks, and also relationship-building for repeat business. ALL the BEST for Your Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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