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Dr Kishore

Dr Kishore Managoli  |8 Answers  |Ask -

NEET-PG, USMLE, NEXT exam expert - Answered on Mar 29, 2023

Dr Kishore Managoli is the founder and principal educator at Mendell Academy, which provides coaching to medical aspirants appearing for the United States Medical Licensing Examination, National Eligibility cum Entrance Test-PG, the Institute of National Importance Combined Entrance Test, National Exit Test, Professional and Linguistic Assessments Board and United Kingdom Medical Licensing Assessment.
He is a senior pathologist, scientist, medical educator and entrepreneur with over 30 years of clinical experience and interdisciplinary expertise in medical knowledge management, pharmaceutical research and corporate governance.
He has a master’s degree in pathology from Dr V M Government Medical College, Solapur.... more
Asked by Anonymous - Feb 22, 2023Translate

USMLE -- PG is better than Indian MD/MS?

Ans: Each exam has its merits and demerits. It’s your personal preference.

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Dr Kishore

Dr Kishore Managoli  |8 Answers  |Ask -

NEET-PG, USMLE, NEXT exam expert - Answered on Mar 27, 2023

Asked by Anonymous - Mar 01, 2023Translate

Abhishek Shah  |76 Answers  |Ask -

HR Expert - Answered on May 29, 2023

Which one is better MBA HRM or PGDMA HRM for future purpose?
Ans: Hi Swapan,

Both the Master of Business Administration (MBA) in Human Resource Management (HRM) and the Post Graduate Diploma in Management (PGDM) in HRM can provide valuable skills and knowledge for a career in human resource management. The choice between the two largely depends on individual preferences, career goals, and the specific offerings of the programs.

MBA HRM programs are typically offered by universities and are known for their comprehensive curriculum that covers various aspects of business management, including HRM. These programs often provide a broader understanding of business principles and practices beyond HRM, which can be beneficial if you have aspirations to take on broader leadership roles within organizations. An MBA degree also carries a certain level of prestige and recognition.

On the other hand, PGDM HRM programs are typically offered by autonomous institutions and are known for their industry-oriented curriculum. These programs often focus specifically on HRM and provide practical knowledge and skills required for HR professionals. PGDM programs may offer more specialized and updated content, as they have the flexibility to adapt their curriculum to meet the evolving needs of the industry.

When making a choice between an MBA HRM and a PGDM HRM, consider the following factors:

Curriculum: Evaluate the course structure, subjects covered, and the depth of HRM specialization in each program. Determine which program aligns better with your career goals and interests.

Institution reputation: Research the reputation and accreditation of the universities or institutions offering the programs. Consider factors like faculty expertise, industry connections, and alumni network, as these can play a role in your future opportunities.

Career goals: Consider your long-term career aspirations. If you envision a more diverse managerial role encompassing various business functions, an MBA HRM may be suitable. If you prefer a focused career solely in HRM, a PGDM HRM may provide the necessary depth and specialization.

Networking opportunities: Look into the networking opportunities provided by each program. Networking with professionals, alumni, and industry experts can greatly benefit your career advancement.

Ultimately, both an MBA HRM and a PGDM HRM can offer valuable skills and knowledge for a future in HRM. It's important to carefully assess your personal goals, preferences, and the specific offerings of each program to make an informed decision that aligns with your career aspirations.

Abhishek Shah
Latest Questions

Moneywize   |59 Answers  |Ask -

Financial Planner - Answered on Feb 25, 2024

Asked by Anonymous - Feb 24, 2024Translate
I will be retiring in October 2024 and expecting a retirement corpus of Rs 80 lakh. I would be spending 60 per cent of this amount on my son’s medical admission and studies. How should I invest the rest in different sectors to earn monthly income of nearly about 40,000?
Ans: Given your retirement corpus of Rs 80 lakh and your plan to allocate 60% of it towards your son's medical admission and studies, which amounts to Rs 48 lakh, you'll have Rs 32 lakh remaining for investment. To generate a monthly income of approximately Rs 40,000, you'll need to carefully plan your investment strategy. Here's a suggested approach:

1. Assess Your Risk Tolerance: Before investing, consider your risk tolerance, investment horizon, and financial goals. Since you're retiring soon and seeking a regular monthly income, it's advisable to focus on relatively stable and income-generating investment options.

2. Allocate Funds: With Rs 32 lakh available for investment, you can allocate the amount across different investment instruments to achieve diversification and manage risk.

3 Income-Generating Investments: To generate a monthly income of Rs 40,000, you'll need investments that offer regular payouts. Here are some options to consider:

a. Senior Citizen Savings Scheme (SCSS): This government-backed savings scheme offers quarterly interest payouts. You can invest up to Rs 15 lakh individually and earn regular income at a fixed interest rate, currently around 7.4% per annum.

b. Post Office Monthly Income Scheme (POMIS): Another government-backed scheme that provides monthly income. The maximum investment limit is Rs 4.5 lakh for an individual account and Rs 9 lakh for a joint account. The current interest rate is around 6.6% per annum.

c. Fixed Deposits (FDs): Consider investing a portion of your corpus in fixed deposits offered by banks or financial institutions. Opt for monthly interest payout FDs to generate regular income.

d. Debt Mutual Funds: Invest a portion in debt mutual funds that focus on generating steady income with relatively lower risk compared to equity funds. Choose funds with a track record of consistent returns and low expense ratios.

4. Systematic Withdrawal Plan (SWP): For investments in mutual funds or other growth-oriented instruments, consider setting up a systematic withdrawal plan. SWP allows you to withdraw a fixed amount regularly, which can serve as your monthly income.

5. Emergency Fund: Set aside a portion of your corpus as an emergency fund to cover unexpected expenses or contingencies. This fund should be easily accessible and parked in liquid or low-risk instruments like savings accounts or liquid funds.

6. Review and Adjust: Regularly review your investment portfolio to ensure it remains aligned with your financial goals and income requirements. Adjust your asset allocation and investment strategy as needed based on changing market conditions and personal circumstances.

It's crucial to consult with a financial advisor or planner who can provide personalised advice based on your specific situation and goals. They can help you create a comprehensive retirement plan and investment strategy tailored to your needs, risk tolerance, and income requirements. Additionally, consider tax implications on your investment income and consult with a tax advisor to optimise your tax efficiency.
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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