KIIT Bhubaneswar vs. UPES: Which CSE program is right for me?

Ans: Your portfolio consists of multiple actively managed funds across different categories. Let's evaluate your current investment choices and suggest any improvements based on diversification, overlap, and risk-return potential.

Strengths of Your Portfolio
Long-Term Investment Vision: You plan to invest for another 10 years, which allows compounding to work in your favor.

Actively Managed Funds: Actively managed funds have the potential to outperform the market over the long term.

Exposure to Different Market Caps: Your portfolio includes large-cap, mid-cap, and small-cap funds, offering balanced exposure.

Sector-Specific Allocation: You have exposure to infrastructure and power sectors, which can generate high returns in the long run.

Concerns in Your Portfolio
Overlapping Fund Selection: Many of your funds have a similar investment strategy, leading to duplication of holdings.

Excessive Sectoral Allocation: Your portfolio has three sectoral funds, which increases risk if the sector underperforms.

Too Many Funds: Investing in too many funds does not always improve diversification. It can reduce the impact of outperforming funds.

Multiple Funds from the Same AMC: Having multiple funds from a single asset management company (AMC) may limit diversification.

Diversification Analysis
1. Large-Cap and Large & Mid-Cap Funds
You have allocated funds to both large-cap and large & mid-cap categories.
Large-cap funds provide stability, while large & mid-cap funds offer a balance of growth and safety.
Instead of multiple funds in this category, a single well-performing large & mid-cap fund is sufficient.
2. Mid-Cap and Small-Cap Funds
Mid-cap and small-cap funds can provide high returns, but they are also highly volatile.
Your portfolio has both mid-cap and small-cap funds, which is good for long-term growth.
However, holding too many funds in this category can lead to portfolio overlap.
3. Focused Fund Allocation
Focused funds invest in a limited number of stocks, which can increase risk.
Holding a single focused fund is better than investing in multiple funds with a similar strategy.
4. Sector-Specific Investments
Investing in sectoral funds can generate high returns if the sector performs well.
However, sectoral funds are highly volatile and risky compared to diversified funds.
Your portfolio has too much exposure to infrastructure and power sectors, increasing concentration risk.
Instead of multiple sectoral funds, a well-diversified flexi-cap fund can provide better risk-adjusted returns.
Recommended Portfolio Adjustments
Reduce Fund Overlap: Keep a single large & mid-cap fund instead of multiple large-cap and mid-cap funds.

Reduce Sectoral Exposure: Limit sector-specific investments to a smaller portion of your portfolio.

Consolidate Similar Funds: Instead of multiple mid-cap and small-cap funds, choose one well-performing fund from each category.

Increase Allocation to Diversified Equity Funds: Flexi-cap and multi-cap funds can provide better long-term stability.

Final Insights
Your long-term investment approach is well planned.
However, excessive sectoral allocation and fund duplication can reduce efficiency.
Consolidating similar funds and increasing exposure to diversified funds will improve portfolio performance.
Reducing the number of funds will also make portfolio tracking easier.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

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

Ans: Dear Anonymous,
I understand your concern, and if you do not wish to get married, you should not. People will continue to tell you that everything will be fine, and maybe it will be fine, but if you are not mentally prepared for marriage, you should never go ahead with it.

Try to express your concerns and let your family know that the thought of marriage does not make you happy. If they still insist, ask them how they would feel if the marriage doesn't work out and you not only end up alone but also have a divorced tag on you. I want you to understand that their insistence is coming from a place of love and concern but I would still suggest you not to get married till you are ready.

Best wishes.

Ans: As per their website they do have an international immersion program where you would get an opportunity to go abroad.

Ans: One option is to do an executive MBA in Operations and then move to a different industry at a higher position. Else contact any placement agency and see which industry are looking for Project Management and the certification required for the same. Based on that you can do certification course. Finance usually has a high paying roles, but to transition into these industries you will have to do an MBA. Cant just get in with a certification as they would require specialized knowledge.

Ans: One option is to do an executive MBA in Operations and then move to a different industry at a higher position. Else contact any placement agency and see which industry are looking for Project Management and the certification required for the same. Based on that you can do certification course.

Ans: I hear you - it’s not easy to balance personal aspirations, family responsibilities, and strained relationships. With so many emotions involved, what feels most overwhelming right now? When you think about this move, what does it mean for you and your spouse? Beyond the challenges, what opportunities or growth does it offer? Your concern for your mother is completely valid. What support systems have you considered to ensure her well-being? Are there options you haven’t explored yet? Navigating family tensions can be exhausting. What boundaries might help you protect your well-being while still honoring your responsibilities?
At the end of the day, this is your life and your decision. What would moving forward with clarity and confidence look like for you?

Wishing you success,
Aamish Dhingra
ICF-PCC Certified Life Coach
Co-Founder, Cocoweave Coaching International, Delhi

Ans: Feeling stuck at 42 isn’t unusual, but quitting without a plan won’t necessarily fix things. The real question is - what’s actually making you feel this way? Is it the work itself, the environment, or something else? If it’s about growth, have you actively tried pushing for opportunities, or does it just feel like a dead end? What conversations have you had about it? When it comes to quitting, what’s your plan for what comes next? Do you have clarity on where you want to go, or is it more about escaping your current situation? If staying feels unbearable, how can you create space for yourself while figuring things out? How much time do you need to explore your options before making a decision?
The answer isn’t just quitting - it’s clarity. So, where do you start?

Wishing you success,
Aamish Dhingra
ICF-PCC Certified Life Coach
Co-Founder, Cocoweave Coaching International, Delhi

Ans: You’re caught in a loop, but what matters is how you handle it now. Dwelling on guilt won’t change anything - your action will. Right now, your board exams need your full focus. Forget about NEET for now. Even if you feel unprepared, showing up and giving your best effort is non-negotiable. No excuses. Procrastination isn’t about motivation - it’s about discipline. Set a strict, no-negotiation study schedule. 50-minute study sessions, 10-minute breaks. Keep your phone away while studying. You say you can’t delete YouTube, fine. But are you willing to use it only for study-related content, with no loopholes? Your parents’ expectations are there, but for a moment, shift the focus—what does success look like for you? No overthinking. No self-pity. Just action. What’s one thing you can do right now to move forward?

Wishing you success,
Aamish Dhingra
ICF-PCC Certified Life Coach
Co-Founder, Cocoweave Coaching International, Delhi

Ans: 1st Yes, minimum exemption limit available to RNOR also.

2nd an individual who is a citizen of India who is not liable to tax in any other country will be deemed to be a resident in India, only if the total income (other than foreign sources) exceeds Rs 15 lakh and nil tax liability in other countries. So in your case, even if you are in for less than 120 days, you will be RNOR

3rd for FCNR account, please confirm with Bank