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Parthiban T R

Parthiban T R   |262 Answers  |Ask -

Career Counsellor - Answered on Jun 30, 2024

Parthiban TR, a former professor, has been working in the fields of training and learning development for over 17 years.
As a career counsellor and mentor, he has been tutoring students from Classes I to XII (predominantly CBSE), UG (engineering) and others for nearly a decade.
He has worked as a lecturer and professor at the Kuppam Engineering College, Kuppam; the NRI Group of Institutions in Bhopal; and the Bhopal Institute of Technology and Science in Bhopal.
Parthiban qualified for GATE in 2002, 2011 and 2013 and has been training aspirants to prepare for NEET-UG and IIT-JEE.
He holds a bachelor's degree in computer science and engineering from the Guru Ramdas Khalsa Institute of Technology College in Madhya Pradesh and a bachelor's degree in education, specialising in physics and mathematics, from the Sri Venkateswara University, Tirupati.... more
Sreedhar Question by Sreedhar on Jun 29, 2024Hindi
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Career

Thank you sir. Specifically if we have to choose between RV CSE and BITS hyderabad/Goa EIE what do you suggest based on career opportunities/further studies with in India. Thank you

Ans: You have only two options?
Career

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Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Dear Sir, I have another question: I have been investing in the Bajaj Allianz Life Goal Assurance Plan for the past five years, which is a combination of insurance and investment. The total premium payment duration is 10 years, with a SIP of ?10,000 per month, followed by a lock-in period of an additional 5 years So far, my monthly contributions of ?10,000 have grown to ?9.40 lakhs, with an approximate CAGR of 16%, although the insurance coverage remains at ?12 lakhs. Initially, I did not have much knowledge but continued investing due to the plan’s market-linked structure. For the first five years, my funds were allocated to Pure Stock II and Equity Growth funds basically large-cap. Recently, mid-cap and small-cap index funds were also added to their portfolio. Now that I’ve completed 5 years of investing in large-cap components, I am considering allocating the remaining 5 years to mid-cap and small-cap funds, without increasing the SIP. This would be done through a fund switch from large-cap to mid-cap and small-cap or by dividing the allocation equally—25% each across pure-stock, equity growth, mid-cap, and small-cap funds. Would you recommend this strategy while allowing the large-cap corpurs from the first 5 years to grow at their own pace and remaining 5 years switched into mid-cap/small-cap. Since the policy will mature in 2034, this gives me ample time for the investment to grow, allowing the corpus to build significantly over the remaining years
Ans: Since you are looking for 10 year time horizon, I recommend you divide the allocation equally(25%) across pure stock, equity growth, midcap index and small cap quality index funds.

Happy Investing!!

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