Thanks. Might come back to you once again, after the JOSAA and JAC DELHI counseling frutifies and we exactly know the branch there as well. Thanks Rgds. Amit

Ans: If you are not interested in coding then switch over to MBA and go for some administrative job. Best of luck. Professor....................:)

Ans: It is a slightly odd course and openings are relatively less. Salary packages after B.Des course is generally not very good. Can't he go for some alternate course? Though any individual does have the full right to go for his/her choicest course, but regarding opportunity no guarantee can be given. Just think over it. Professor..............:)

Ans: It is a very difficult case, because your BIO DATA is inactive since 2014. Let me know why it is inactive for such a long period of 11 years, then only I can suggest. Professor...........:)

Ans: Unless you go for MBA (Finance) it will be difficult. Please go for online MBA (Finance). Best of luck. Professor..............................:)

Ans: Excellent background. Try to connect with the corporate honchos through LINKEDIN PREMIUM membership and directly approach them with your CV. That will be the best option. If possible have your own colourful website highlighting all your credentials. Best of luck. Professor.....................:)

Ans: Yes, it's good

Ans: Hello Dear.
To get admission to any engineering course run by any university, one must clear PCM through JEE or state-level engineering entrance examination. i.e. If you wish to be admitted to Anna University, you have to clear the entrance examination taken PCM at a time. You can join the Bride Course run by any private classes or by college for Mathematics to strengthen the subject only. Joining the course does not have any correlation with the admission process. Suggestion - Join a bridge course for mathematics, appear for the engineering entrance test, and qualify in the examination to get the admission to required university.
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Ans: Yes, absolutely! Yoga can definitely help improve focus and attention span in kids. A simple practice of equal breathing (inhaling and exhaling for the same count) for just 5 minutes daily can do wonders in enhancing concentration. Additionally, taking time to sit in silence and meditate helps calm the mind, making it easier for kids to stay present and focused. Consistency is key, and these small practices can have a big impact over time!

Ans: You are in a strong financial position with a high dual income, ongoing investments, and a clear retirement goal at 55. The key challenge is balancing home loan repayment vs aggressive investments to ensure liquidity and long-term wealth growth. Here’s a structured approach:
1. Key Financial Priorities
• Retiring by 55 while maintaining financial security
• Managing the Rs 90 lakh home loan efficiently without being cash-strapped
• Ensuring liquidity for short-term needs
• Building a strong retirement corpus to sustain post-retirement expenses
2. Home Loan vs Investing -- What’s Optimal?
Your home loan EMI is Rs 75,000 per month, which is 30% of your combined take-home salary. This is manageable, but since your goal is early retirement, reducing debt before 55 is important.
• Option 1: Prepay the Home Loan Aggressively
o Prepaying reduces interest costs and provides peace of mind
o Assuming an 8% loan interest rate, prepaying Rs 10 lakh reduces the EMI burden or tenure significantly
o However, as per the old tax regime home loan interest provides a tax benefit under Section 24(b) (Rs 2 lakh deduction on interest)
• Option 2: Continue Investing Aggressively
o Historical equity returns (~12-15% in long-term equity funds) outpace home loan rates (~8%)
o Investing extra funds in mutual funds, especially in mid-cap and flexi-cap funds, could yield higher wealth
o Liquidity remains strong, unlike in home prepayments where money gets locked into an illiquid asset
Balanced Approach:
• Prepay a portion (Rs 10-15 lakh over the next 2-3 years) while ensuring you keep liquidity
• Continue investing Rs 30,000 SIPs but consider increasing it as your salary grows
• Avoid paying off the loan entirely too quickly, as investments can grow at a higher rate than your loan interest
3. Optimised Investment Plan
To retire by 55, you need a corpus that generates Rs 1.5-2 lakh per month post-retirement. Assuming you need Rs 4-5 crore by 55, here’s a plan:
• Equity SIPs: Increase to Rs 50,000/month gradually over the next 2-3 years
o Large-cap index funds (Nifty 50, Sensex): Rs 15,000
o Mid-cap funds: Rs 15,000
o Flexi-cap funds: Rs 10,000
o ELSS (for tax saving): Rs 10,000
• PPF: Continue investing Rs 1.5 lakh annually for risk-free, tax-free returns
• Fixed Deposit: Keep Rs 10 lakh as emergency corpus (or move some to liquid/debt funds for better returns)
4. Debt-Free by 55 Strategy
• Make lump sum prepayments of Rs 5-7 lakh every 2-3 years while maintaining cash flow
• Target closing the loan by 50 instead of aggressively paying it off now
• Ensure Rs 1.5-2 crore in investments by 50, so your retirement fund remains intact
5. Action Plan
• Increase SIPs from Rs 30,000 to Rs 50,000 per month gradually
• Prepay Rs 5-7 lakh every 2-3 years to reduce loan burden without sacrificing liquidity
• Keep Rs 10 lakh in fixed deposits or move to liquid funds for emergencies
• Maximise tax benefits through PPF, ELSS, and home loan deductions
This balanced strategy ensures wealth growth, manageable debt, and liquidity, helping you retire comfortably at 55 without being asset-rich but cash-poor.