Aspiring PharmD: What Career Options Await?

Ans: Hello;

Your exposure to small cap funds is quite high.

You should have one flexicap fund and one aggressive hybrid (equity) fund for your sip of 20 K.

Your wife may have one flexicap fund and one Large & Midcap type fund for her sip of 20 K.

Further you may start one more monthly sip of 5 K in a multi asset allocation type fund.

This total monthly sip of 45 K may yield you desired sum of 1 Cr. in 10 years. (A modest return of 12% is considered)

You may select any fund from the top quartile in the respective category or consult an MFD for the same.

Happy Investing;
X: @mars_invest

Ans: After Diploma he can't go abroad for studies. First he has to complete the degree course. Football is his hobby. Let him enjoy that. But for abroad studies graduation is must. Regards.Professor........................:)

Ans: Hi Rajan,

Good to know you planned investment for your son's education. There a few things to keep in mind when planning investment which are market linked.
The time horizon is very important to reap the benefit from the market linked investments. In your case your son is going to join college this year and than means you will need this money for his fees. Along with this the fund selection based on the risk profile.
There have been 2 things that seem to be of concern at this time - 1. Markets are bearish currently and 2. Not enough time to stay invested. Also the funds you have selected are of very high risk category and hence you may see higher impact in the fund value compare to the market.
If you still see a return of 19% as mentioned, I would recommend you to withdraw and for whatever time you have the money before utilizing it, do consider a low risk option of investment like Bank FDs.
This will provide safety and liquidity of your money when required.
All the best to your son for his future.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ans: First let me tell you, I am always with you. In this platform I can't share my phone no or email ID. But I will give you the ultimate solution. As a father you have done your full duty and I understand your situation. 90+ mother is there and along with her another son's complete responsibility is there. Regarding marriage and other things let him take his own decision, no issue. But during the critical hours he has to support you per month and the minimum amount what he should send is 1200 US Dollar ( nearly one lakh rupees). Straight away put this condition. This discaring attitude generates out of pampering and for 99% sons their typical Indian mothers are responsible. Put your condition with a tough tone. Be good for good and bad for bad. Now behave like a manager, not like a father. I don't know his branch. If he is in IT then he must be earning 9000-10000 US Dollar per month. So let him send 1200 USD per month. If he doesn't listen to you then for time being keep distance with him. You are the father, so you must have the personality so that he listens to you. Use this advice and follow me and in future please contact me whenever you face some difficulties. Regards. Professor.

Ans: Certainly USA. But now a days there are lot of VISA issue. So keep Australia in the back burner. Best of luck to your son. Just follow me. May God Bless Him. Professor...........:)

Ans: In which subject you want to pursue your Master Degree. Let me know that, then only I will be able to give you proper counselling. Just follow me. Professor...............:)

Ans: In India she can go for MA/M.Sc based on her combination in graduation. Even she can do offline/on line MBA in Finance. From foreign countries she can pursue MS. Best of luck to your daughter. Just follow me. May God Bless Her. Professor..................................:)

Ans: A few colleges accepting SAT scores in India are Gandhi Institute of Technology and Management (GITAM), Mahindra Ecole Centrale College of Engineering, Sardar Vallabhbhai National Institute of Technology, Surat and Sant Longowal Institute of Engineering and Technology (SLIET), Punjab. NRI students can get admission in BITS-Pilani by clearing the BITSAT exam. International students can get admission in BITS-Pilani through SAT scores. Best of luck to your daughter. Just follow me. May God Bless Her. Professor..................................:)

Ans: Hello
Teeth shifting and causing gaps to appear at your age (where there were no gaps earlier) strongly suggests weakness of gums.
Kindly consult a dentist to have your gum condition assessed and treated. Proper gum treatment can stop teeth shifting further and the gaps getting bigger. But cannot reverse the shifting that has already occurred.
Once the gums have been stabilised you may need to undergo corrective orthodontic treatment.
Tooth aligners, also known as clear aligners, can be used by people to have their teeth straightened or to have gaps between teeth closed. Thanks to advancements in dental treatment there is no strict upper age limit for using tooth aligners. Many adults in their 30s, 40s, and 50s, have successfully used aligners to straighten their teeth.

However, before using tooth aligners, it's essential to consult with an orthodontist or a dentist to determine if aligners are suitable for your specific needs and age. And please use aligners only under an orthodontist's supervision.