Sir, My son secured 98 percentile(31k rank) in Jee Mains 24. He's getting Mechanical in NIT Goa and Surat and CS and ECE in IIIT Sri city, Kottayam and Kurnool. Kindly Suggest which one would be better?

Ans: Prefer SSN-EEE. However, your daughter should keep upgrading her skills, have a Professional LinkedIn Profile & keep updating it every 3-months once she gains any additional skills / certifications etc. All the BEST for Your Daughter's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: Prefer TIU-CSE. Keep upgrading your skills from 1st year itself till 4th year to be COMPETENT among other students during Campus Recruitment Drive. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: Subbaiah Sir, prefer VIT-V-CSE. All the BEST for Your Daughter's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: Subbaiah Sir, prefer VIT-V-CSE. All the BEST for Your Daughter's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: I have fully UNDERSTOOD your Question in HINDI. Please ask Your DAUGHTER TO READ MY ANSWER. (1) Joining a Dummy School is slightly risky, as Govt. may blacklist dummy school any time. Depends upon Govt. Policy. If you want to take risk on 'Dummy School', you can go ahead (2) If your daughter targets NEET, it is advisable to choose only PCB and NOT Maths. (3) She cannot focus both on JEE & NEET (3) Studying at Kota has both Merits & Demerits. She will have to go through a lot of pressure (which she should be able to bear) apart from outside / canteen food she will have to eat. She will have to wash her clothes etc. Merit is quality of Coaching will be good at ALLEN and some 2-3 good institutes. But you have to decide, based on availability of accommodation, fees affordability etc. She will have a lot of doubt clearing sessions and she also will come to know where she stands among other students and where she has to move / improve? (3) ALLEN will be a good Coaching Center in Delhi also. She can join nearby her residence in Delhi to reduce her travel time. Some IMPORTANT Preparation Strategies for Her: (1) Whenever she studies at home, she should study for 45-minutes. Then take a break of 10-minutes when she can move away from her study table, walk, have some water & relax. If she continues studying beyond 45-minutes, her concentration power will go down, resulting to low output. Most students commit this mistake. (2) On daily basis (morning or evening whichever will be convenient to her), do yoga or meditation or physical exercises or play any games / sports (whichever she can do) for at least 30-45 minutes This will further reduce her stress / distractions. (3) She should study tough topics / tough subjects (applicable to her) early morning with your fresh mind. (4) Should eat a lot of green vegetables / fruits & avoid soft drinks (5) Every day night, before going to bed, she should revise whatever she has studied during the day. (6) Also, should revise every week whatever she has covered till date (here her short-notes which she should prepare will be helpful). (7) She should also keep practising questions on topics which you have covered either offline or online (8) Should give utmost importance to wrongly answered / difficult / complicated / tough questions and have a separate note-book specially for this for each subject (PCM) (8) You might be aware that NEET rank is allotted on the basis of highest score in Biology. She should practice more and more in Biology, till she reaches Speed & Accuracy (9) By the end of 11th/12th standards (December-January), she should attempt fully syllabus online test series / mock tests, evaluate and analyse her performance such as, (a) which topic / unit / concept you are weak which needs your revision and improvement as this will disturb her when she appears in actual NEET exam (b) abnormal time taken to attempt any question which she can come to know from Online Test Series which she should reduce (c) which questions she skipped and why? (10) She should AVOID studying under pressure that she should definitely get admission only into top Medical Colleges. Never advisable. (11) She should Have Plan B & Plan C for other Colleges Entrance Exams / Disciplines-Streams (allied-Medicines / Pure Sciences). (11) She should avoid comparing herself with other students. (12) Also, it is highly ideal to appear in / attempt minimum 2-3-Entrance Exams (for both Govt & Private Engineering Colleges), apart from NEET / CUET for Allied-Medicine & Pure Science Courses. She will have a lot of options (easiest method, if she does not score well in NEET) to choose the best and most suitable one, keeping in view a lot of factors such as, College | Location | Her Interest | Stream Preference | Placement Records | College Culture | Her Short & Long Term Goals | Pressure She Can Go Through / Bear | Her AIR & Job Market Condition. I hope I have answered to your question with value additions. All the BEST for your Daughter's Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: Choosing Shariah-compliant investment options is a wise and principled approach to aligning your financial goals with your ethical and religious beliefs. Let's discuss some Shariah-compliant mutual funds, along with other investment options like gold funds, silver ETFs, and sectoral funds.

Understanding Shariah-Compliant Investments
Shariah-compliant investments adhere to Islamic law, which prohibits investing in businesses that deal with alcohol, gambling, pork, and interest-bearing instruments. These funds focus on companies that comply with Islamic ethical standards.

Shariah-Compliant Mutual Funds
Apart from Tata Ethical Fund and Taurus Ethical Fund, here are a few more options:

Reliance ETF Shariah BeES

An exchange-traded fund that tracks the Nifty50 Shariah Index.
Provides exposure to a basket of Shariah-compliant stocks.
Gold and Silver Funds
Gold and silver are considered good investments as they are tangible assets and often hedge against inflation. They are also Shariah-compliant.

Gold Funds

SBI Gold Fund: Invests in physical gold and is suitable for those looking to diversify their portfolio.
HDFC Gold Fund: Another good option that invests in gold ETFs and provides an easy way to invest in gold.
Silver ETFs

Aditya Birla Sun Life Silver ETF: Allows you to invest in silver without the need to hold physical silver.
Nippon India Silver ETF: Another option for investing in silver, offering liquidity and convenience.
Sectoral Funds
Sectoral funds invest in specific sectors like technology, healthcare, or energy. While not all sectoral funds may be Shariah-compliant, some sectors like technology and healthcare generally align with Shariah principles.

Benefits of Investing in Gold and Silver
Hedge Against Inflation: Gold and silver often retain value better during inflationary periods.
Diversification: They provide diversification to your investment portfolio, reducing overall risk.
Tangible Assets: Being physical commodities, they offer a sense of security.
Advantages of Sectoral Funds
High Growth Potential: Sectors like technology and healthcare have high growth potential.
Focused Investments: These funds allow you to capitalize on the growth of specific industries.
Diversification: Adding sectoral funds to your portfolio can diversify your investments and reduce risk.
Evaluating Your Investment Strategy
Assess Your Risk Tolerance: Sectoral funds can be volatile. Ensure they match your risk appetite.

Diversify Your Portfolio: A mix of Shariah-compliant equity funds, gold funds, silver ETFs, and sectoral funds can balance risk and returns.

Regularly Review Investments: Monitor the performance of your investments and make adjustments as needed.

Final Insights
Investing in Shariah-compliant mutual funds, gold and silver funds, and sectoral funds can provide a balanced and ethical investment portfolio. It’s crucial to assess your risk tolerance, diversify your investments, and regularly review your portfolio to achieve your financial goals.

By considering these options and maintaining a diversified portfolio, you can achieve your financial goals while adhering to your ethical and religious principles.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: they already have some part of their business in defense sector

Ans: Satyajit, if you are really interested in / passionate over CIVIL, only then you join. Not because you are getting confirmed admission. Please find out alternate solutions. Have Plan B & Plan C. All the BEST for Your Bright Future.

To know more on ‘ Careers | Education | Jobs’, ask / Follow Us here in RediffGURUS.

Ans: invest in a balanced mutual fund scheme