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Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on May 16, 2024

Krishna Kumar is the founder and CEO of GoMoTech, a company that provides strategic consulting in B2B sales, performance management and digital transformation.
Before branching out on his own, he worked with companies like Microsoft, Rediff, Flipkart and InMobi.
With over 25 years of experience under his belt, KK is a regular speaker at industry events and academic intuitions, both in India as well as abroad.
KK completed his MBA in marketing from the Sri Sathya Sai Institute of Higher Learning in Andhra Pradesh and his management development programme from XLRI, Jamshedpur.
He has also completed his LLB from Nagpur University and diploma in PR from Bhavan’s College of Management, Nagpur, where he was awarded a gold medal.... more

Asked by Anonymous - Apr 21, 2024Hindi

Career

Turning 29 soon. Done with my MA in Eonomics. Fustrated not getting a job.... applied in alot of places but finiding no success. Feeling lost at times. Dont know what direction to take. Pls advise!!

Ans: Hello

Post MA Economics you have multiple path, either as a teacher or as a reseracher in organisation. However may sugget you take up some additional courses. In case you are interested in teaching go for B.Ed ... In case you are interested in research side then M.Phil or Phs would be better.

All the best.

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Question by Trimukh - Jul 14, 2021Hindi

Career

Hello Sir,I completed my MBA in finance in 2016.I have two years of work experience.Due to some family issues, I have not been working for the last three years. How can I re-enter the job market?I am 29 years old. Please suggest the possible sectors where I will do well.I am in dire need of a job.Thank you, Sir.Trimukh Pasheme

Hi Trimukh.

With a finance background, you stand a chance to enter almost every industry.

However, since you have not been working for three years, you would need to do some course in financial management and also be open to entry level jobs like that of a billing executive to restart your career.

Archana Deshpande | Answer |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Jun 08, 2024

Question by Retaik - May 17, 2024Hindi

Career

Ma'am Currently I am 35 years old and I have 7 years of experience in different areas. And I am unable to find a job in my area of interest I did my graduation in mechanical engineering and due to find a good job have switched to various types of jobs and education as well. So can you please suggest what should I do

Ans: Dear Retaik,
The very fact that you have been a constant learner is your strength, let this be your USP. You have switched jobs and tried various types of jobs, this is also learning, don't you think so? Now do a proper pen and paper exercise, write down all that you have learnt and the jobs you have done, there maybe something that really struck a chord with you, something which you thoroughly enjoyed, this is where you need to work, build expertise and rise vertically now. Continue to learn and grow... all the very best!

Krishna Kumar |383 Answers |Ask -Follow

Workplace Expert - Answered on Jun 04, 2024

Asked by Anonymous - Jun 04, 2024Hindi

Career

Hi am 39 n single woman with no job. I did my MBA in the 2011. How do I start searching my job. Nil experience. Never worked anywhere. Now am expecting 25k pm job. Forgot what I studied. But surely will get back to track one I start to work. Please help where to start n when. Tia

Ans: Hello Maam

At the outset please accept my word of appreciation for the fighting spirit you are showing, truly inspiring...!!

Here are some options:

- Start as office admin in some company
- Learn Accounting package like Tally and seek job with CA firm
- Take Tututions for kids
- Explore teacher assistant in MBA college as free lancer

Search free lancing job opportunities.

With your spirit you will soon land good job and make your career bright.

All the best.

Patrick Dsouza |838 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Sep 24, 2024

Question by Anand - Sep 04, 2024Hindi

Career

Hi, I am at 53. Having 25 years of experience. I am looking for a job now and finding it difficult to get a suitable job. i am ready to adapt any kind of situation and ready for hard work. I have been applying continuously for the past 4 months but not getting any reply. Please advise. I am qualified in M.Com and M.B.A (finance and banking)

Ans: Contact placement agencies. Ask them the kind of roles that you could apply to and the skill sets required. Do short term courses to gain those skill sets. also try applying to some startups in your industry where they could use your expertise.

Latest Questions

Dr Nagarajan J S K |144 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 23, 2024Hindi

Career

I am reshma confused for join bds or pharm d 6 years

Ans: Hi Reshma,

What exactly do you need from my side?

As you know, both fields are different and each requires practice to gain expertise. BDS (Bachelor of Dental Surgery) is an undergraduate program in dentistry, while PharmD (Doctor of Pharmacy) is considered a postgraduate course. After completing a PharmD, one must consider pursuing a doctorate program, and there are currently no specializations available in India. However, abroad, you can claim expertise in a specific department.

On the other hand, after completing BDS, you can pursue a specialization at the postgraduate level and also have the opportunity to open your own clinic.
I have highlighted the most important factors. I believe this information may be sufficient for you to decide the course. If not, please send your query to the Rediff platform.

Dr Nagarajan J S K |144 Answers |Ask -Follow

Health Science and Pharmaceutical Careers Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 27, 2024Hindi

Career

I am middle class family belong bI has taken MBBS seat at pravate medical college with tution fee yearly 12 laksh now I am feeling guilty so please clearly it's worth and my dicision is right or worng I am confused

Ans: You've enrolled in the course and started paying tuition fees, so try not to regret it. Focus on how you can make the most of this investment. While doing your internship, consider looking for part-time jobs at hospitals or exploring remote work opportunities for physicians. Take the time to explore various possibilities. Best of luck!

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 31, 2024Hindi

Money

Hello Sir, I am a 30-year-old male currently investing 60,000 per month in mutual funds through SIPs. For the past three years, I have been contributing 12,000 each month to the following mutual funds: 1. Parag Parikh Flexi Cap (Flexi Cap) 2. Canara Robeco Emerging Equities (Large + Mid cap) 3. Canara Robeco Bluechip Equity (Large cap) 4. Quant Active Fund (Multi cap) 5. Motilal Oswal Midcap Fund (Mid cap). I am considering removing the large cap fund from my portfolio. I am contemplating the best way to reallocate the 12,000. My options are to distribute 3,000 each across the other four funds or to add the entire 12,000 to the Parag Parikh Flexi Cap. If I allocate everything to Parag Parikh, my portfolio might become large cap heavy. However, if I distribute the amount, then the total mid cap allocation might equal the total large cap allocation (is it okay in the long term), which also leaves me unsure of the best approach. I would appreciate your advice on what might be the right approach given these considerations. Thank you!

Ans: Hello;

Through PPFAS flexicap fund you also get exposure to US tech stocks like Alphabet, Microsoft, Amazon and Meta.

My suggestion would be to allocate entirely to PPFAS flexicap fund, monitor performance for 2-3 years and then make changes, if required.

Also my advice would be to shift to Nippon India Multicap Fund.

Happy Investing;

You may follow us on X at @mars_invest for updates.

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Question by Avinash - Oct 30, 2024Hindi

Money

Sir My Age is 38 Now. Running Business In Pune city. Below are the My Assets & Liabilities. Current Values - Assets. Own Industrial Plot - Rs. 2.0 Cr Business Income Yearly Rs. 24.00 Lack Own Company Investment ( Machinery, Debtors Etc ) - Rs 2.40 Cr Mutual Fund & Share Market Investment Rs. 2.10 Cr Bank FD - Rs. 50.00 Lack Own 3 Flats in Pune - Rs. 75 lack, 50 Lack & 35 Lack ( Current Values ) Golds - Rs. 25.00 Lack Land - Agriculture - Rs. 50.00 Lack Term Insurances - Rs. 20.00 Lack ( Till Date Premium Paid ) Labilities. House Loan - Rs. 30.00 Lack ( EMI 26500.00 PM ) Loan will close after 17 years. Car Loan - Rs. 6.35 lack ( EMI 12500.00 PM ) Loan will close after 5 years. This Assets & investment sufficient for maintain 7 family members Expenses after retirement ? ( 4 Adult + 3 Children (Below 5 Years) ). I will retire at the age of 45.

Ans: Hello;

What is the expected monthly rental from industrial plot and machinery?

Are you currently occupying one of the flats mentioned here or are all of them given on rent?

Also your term life insurance is very low. You should have minimum term insurance cover of 2.4 Cr.

You have good assets in agri land, industrial land, gold, real estate but they are relatively illiquid when need arises hence term insurance cover with riders for critical care and accident benefit are an absolute must!

Considering the home loan tenure of 17 years and 3 small kids in the family to be supported for education and decent lifestyle, I am not sure if you can retire in 7 years timeframe from now.

However I would appreciate your reply to my queries above, before I give my firm view about your retirement in 7 years timeframe.

Best wishes;

Radheshyam Zanwar |1013 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Oct 31, 2024

Question by Haider - Oct 31, 2024Hindi

Career

sir currently in my class 10th markseet my dob is wrong and also in adhar card but i want change it because in my passport and birth certificate different dob and we know this process but sir I want to fill for for jee 2025 session 1 if i fill dob at form same as class 10th marksheet it will change in future during admission ? because later my class 10th markseet revised with actual dob

Ans: Hello Haider
Are you sure that you can crack JEE 2025 with cut-off marks? If Yes, then you have to think. But if not, you can proceed with filling the form with the 10th mark sheet DOB. At least in 1st trial, you can check your eligibility to face the examination. If in the January attempt, you feel you can crack the JEE examination, you can exercise change of birth on your documents and submit an affidavit to JEE authorities at the time of the 2nd attempt (i.e. in the April session). However, it is recommended that you contact the helpdesk numbers. Copy and paste the following link for further assistance: https://jeemain.nta.nic.in/contact-us/
Without any hesitation, please call the numbers mentioned on the website to make it clear from your side and via official authorities.
Yet to avoid further complications in any admission process, update your all documents with the correct information.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Samraat Jadhav |2083 Answers |Ask -Follow

Stock Market Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 31, 2024Hindi

Money

What will be the target prices of Remedium Life Sciences,Teamo Productions ,Seacoast Shipping for one year from now? Can great future be expected for these stocks?

Ans: all above mentioned stocks are penny stocks and BAD quality. There is no target for such companies as they are treated as GARBAGE for me.

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Question by Bhagwan - Sep 27, 2024Hindi

Money

I want excel sheet for calculation of PF 12%, if basic pay is 20000 and 12% pf to be deducted on less than or equal to 15000

Ans: Hello;

Not possible to share excel sheet here but calculation is given below;

Employee contribution (EPF): 12% of basic(20000)= 2400

Employer contribution (EPF): 3.67% of basic(20000)=734

Employer contribution (EPS): 8.33% of Basic or 15K= 1250

Best wishes;

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 31, 2024Hindi

Money

Hi, I am 43y male. My wife is a homemaker. I currently have around 10Lacs saving. One own flat with current market value of Rs 1.3Cr A outstanding loan balance of Rs 30Lacs I have my own business and earn about 2Lacs per month and total monthly expenses are around 1.5-1.7Lacs including the bank EMIs. Kids (both girl) in 3rd and 1st standard. Saving around 20k per month for both kids in their sukanya account. What should be my financial strategy to retire in next 10 years

Ans: Hello;

Since you have less time available (10 yr) for building retirement corpus, monthly sip amount required will be high but that doesn't seem feasible with your current income and expenses.

What is the networth of your business as on today? Can you plan to sell it over the next 10 years to fund your retirement corpus?

If you make 30 K monthly sip you may expect to a build a corpus of 3 Cr in 20 years considering modest return of 12% from pure equity mutual funds.

Feel free to revert.

Happy Investing;

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Question by Rohit - Oct 25, 2024Hindi

Money

I am 29 yrs old,with 40lpa in hand salary,I don't have any savings,next year I am going to get married,and my intention is to buy a flat worth 2.5 crore how to achieve and mange my finance please advise

Ans: Hello;

If you make a monthly sip of 1.2 L in Kotak equity savings fund (moderate risk) then you may expect to accumulate a sum of around 50 L in 3 years considering modest return of 9%.

You may use this as down payment for your house purchase and fund the balance through loan.

Happy Investing;

Milind Vadjikar |542 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

Asked by Anonymous - Oct 30, 2024Hindi

Money

I have around 1 crore to invest. I am 61 years old retired defence officer and pension amounting to around ?1,50,000/- per month and medically covered. Need some sound investment plan for 1 crore. Don't have any liabilities?

Ans: Hello;

You may invest your corpus into following two funds in proportion of 50:50,

1. Kotak Arbitrage fund (low risk)
You may consider modest return of 6% from this scheme.

2. ICICI Pru equity savings fund (low to moderate risk). You may consider modest return of 8% from this scheme.

Theses investments will retain purchasing power of your corpus aginst inflation and deliver some real returns too with low to moderate risk.

This is in accordance with your age and commensurate risk appetite.

Happy Investing;

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Asked on - Oct 31, 2024 | Answered on Oct 31, 2024

You mean to say that I should invest ?50 lakhs each only in two funds...... can you explain this as I seem to be uncomfortable in this plan.... please don't mind my raising this quesry

Ans: Hello;

Your query is valid. At your age and risk profile I do not recommend you invest in pure equity funds or even hybrid funds with high risk ratings.

Even in equity savings type mutual fund category the individual fund risk rating varies from "low to moderate risk" for ICICI Pru equity savings fund, "moderate risk" for kotak equity savings fund and "moderately high" risk rating for SBI equity savings fund.

I propose a modified plan for you:

1.Kotak Arbitrage fund: 20 L
2. Invesco Arbitrage fund: 20 L
3. ICICI Pru equity savings fund: 20 L
4. Kotak equity savings fund: 20 L
5. DSP Strategic Bond fund: 10 L
6. SBI Magnum Gilt fund: 10 L

Gilt fund only invests in government securities so no credit risk but interest rate risk is there.

Dynamic bond fund(for eg DSP Strategic Bond fund)are type of debt mutual funds. The aim of this fund is to offer 'optimal' return in both the rising and falling interest rate scenarios. It depends entirely on the fund manager's decisions and management of the portfolio.

In case you have further queries please feel free to revert.

Happy Investing;

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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