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Shekhar

Shekhar Kumar  |154 Answers  |Ask -

Leadership, HR Expert - Answered on May 06, 2024

Shekhar Kumar is senior manager, talent acquisition, at the Shri Venkateshwara University in Gajraula, Uttar Pradesh. He has 18 years of expertise in the search and placement of executive leadership talent across various industries.
He has also mentored middle and senior management professionals for leadership positions and guided them in career development.
Shekhar has a bachelor's degree in business management from Magadh University, Bihar, and a master's degree in human resource management from Annamalai University, Tamil Nadu.... more
Asked by Anonymous - Mar 17, 2024Hindi
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What should I do I have cgpa 6.1 in btech now till sem 3rd year ,1st sem. Currently I'm in 3rd year. So , i should prepare for upsc civil services or UPSC engineering services.

Ans: Deciding between UPSC Civil Services and UPSC Engineering Services requires careful consideration of your interests, strengths, and career goals. Reflect on your interests, strengths, and career aspirations. If you have a passion for public administration, policymaking, and addressing societal issues, UPSC Civil Services may be a better fit for you. On the other hand, if you enjoy technical challenges, problem-solving, and contributing to infrastructure development, UPSC Engineering Services may align better with your interests. UPSC Civil Services often involve a diverse range of roles, including administrative, diplomatic, and policymaking positions, with opportunities to work at the national, state, or district levels. UPSC Engineering Services primarily focuses on engineering roles in government departments and organizations, with responsibilities related to project management, design, and implementation of infrastructure projects. I would recommend that you pursue civil services, which may indeed be a better choice for you. Civil services provide opportunities to lead and make decisions that influence public policies, programs, and initiatives. As a civil servant, you can contribute to governance, social development, and nation-building by addressing key issues and challenges facing the country. Civil services offer avenues for continuous learning, professional growth, and skill development. You can undertake training programs, attend workshops, and participate in capacity-building initiatives to enhance your knowledge, skills, and leadership abilities throughout your career. Civil services provide the job security, stability, and prestige associated with serving in the government sector. Civil servants enjoy various perks, benefits, and allowances, along with opportunities for promotion and career advancement based on performance and seniority.
Career

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Nayagam P

Nayagam P P  |4412 Answers  |Ask -

Career Counsellor - Answered on Jun 03, 2024

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sir i am a second year college student (btech ece) and confused if i should go for upsc, gate, defense or sit for college placements. Can you please advise me on what path should i choose, thank you
Ans: Lavish,

Read your question carefully and my suggestions below:

1) As of now, fully focus on your BTech (ECE)
2) Involve in Co-curricular Activities (related to your domain) & also in some extra-curricular activities.
3) Try to get as much Certifications as you can from NPTEL, Internshala etc. to be COMPETENT when your Campus Recruitment approaches in your 4th year.
4) Keep updating your LINKEDIN Profile every 3-months to add your qualifications whenever you get any Certifications or other specific achievements.
5) Once you enter into your 4th year, start RESEARCHING about the Companies / Recruiters who visited your College during the last 3-years to know their expectations. Keep your Professional RESUME ready just before your Campus Recruitment.
6) Start PREPARING well for your Campus Recruitment Written Test / Interview / Group Discussion, whichever is applicable.
7) As far as UPSC / Defence / Gate are concerned, it is advisable to make a through Research about it, such as, Number of Vacancies, Eligibility Criteria, Competition Involved, Syllabus / Curriculum, Best Modes of Preparation, Level of Job Satisfaction, Your Family Environment, Availability of Time If You Join any Job & other important / relevant factors. Then decide which Exam will be most suitable for you.
8) If you are fully satisfied with your job, got through your Campus Recruitment, it is ideal to continue with that and keep upgrading your skills.
9) And, it is advisable NOT to quit your job for UPSC / Defence / GATE preparation.
10) Try to manage TIME both for jobs and also to prepare for Competitive Exams.

Hope the above information is adequate for you.

If you need any other clarifications for your or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

..Read more

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Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

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What is minimum requirement for a Tamilnadu state board student to enter mbbs in AFMC?
Ans: Hi Ani,

Regardless of whether you are from Tamil Nadu or another state, there are certain requirements you must fulfill. First, you need to be eligible for NEET. After that, you must pass the AFMC entrance test, and finally, you need to meet the medical fitness standards.

Most importantly, you are required to serve the nation for a specific period after completing your studies. Age criteria are also significant.
Please see the requirements outlined below:
Age: 17-24yrs
Academic qualitfication: FIRST ATTEMPT with English, Physics, Chemistry and Biology/ Bio-technology taken simultaneously and securing not less than 60% of the aggregate marks in these three science subjects taken together and not less than 50% marks in English and 50% marks in each of the science subjects. They must have also passed an examination in Mathematics of the tenth standard.
Candidates seeking admission for MBBS course at AFMC Pune will have to mandatorily qualify the NEET UG 2024 Examination conducted by National Testing Agency (NTA). 11. Eligible candidates who are interested to join AFMC, Pune to pursue the MBBS course will have to mandatorily register and apply for AFMC, Pune on DGHS

The shortlisted candidates will be called for screening which comprises of Test of English Language and Reasoning (ToELR), Psychological Assessment Test (PAT), Interview and Medical Examination at AFMC, Pune.

ToELR & PAT - Test of English Language and Reasoning (ToELR) in the form of Computer Based Test (CBT) and also Psychological Assessment Test (PAT) to be conducted at AFMC, Pune only for candidates shortlisted for interview. (t) Written Examination Score - Score obtained in NEET (UG) 2024 (720 marks) added to ToELR Score (80 marks) divided by 4 to get a score out of 200. (u) Final Score - Written examination score (200 marks) + Interview marks (50 marks).

MEDICAL FITNESS: MANDATORY AS PER AFMC

POOCHO. LIFE CHANGE KARO.

...Read more

Ramalingam

Ramalingam Kalirajan  |8206 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2025

Asked by Anonymous - Apr 10, 2025Hindi
Money
I'm 41 years old. My portforlio consist of 27L in mutual funds, 35L in stocks and 5L in NPS. I want to have a corpus of 30cr by 60. My monthly mutual fund SIP is 1.2L and NPS is 20K. Can you advise if my curent SIP will help in achieving my desired corpus by 60.
Ans: You are 41 and aiming for a Rs. 30 crore corpus by age 60. That gives you 19 years to build your wealth. You have a strong monthly SIP of Rs. 1.2L in mutual funds and Rs. 20K in NPS, which shows high commitment. Let’s analyse in detail whether your current strategy is enough, and what changes, if any, are needed.

Portfolio Snapshot
Age: 41

Goal: Rs. 30 crore by age 60 (retirement corpus)

Current Investments:

Mutual Funds: Rs. 27L

Stocks (direct equity): Rs. 35L

NPS: Rs. 5L

Monthly Investment:

Mutual Fund SIP: Rs. 1.2L

NPS Contribution: Rs. 20K

360-Degree Assessment: Can You Reach Rs. 30 Crores?
Let us now break your journey into parts:

1. Time Horizon – You Have 19 Years
That’s a decent long-term window.

Compounding will support you well over this period.

However, the earlier years are more powerful.

Your current age requires disciplined allocation, with some risk.

2. Current Corpus – Rs. 67L in Total
Mutual funds: Rs. 27L

Stocks: Rs. 35L

NPS: Rs. 5L

Total: Rs. 67L

This base amount gives you a strong head start.

You are not starting from zero. That’s an advantage.

3. Monthly Contribution – Rs. 1.4L Combined
Rs. 1.2L in mutual fund SIPs

Rs. 20K in NPS

That’s Rs. 16.8L per year

Over 19 years, that’s Rs. 3.19 crore invested capital

Now the key is the return you generate

4. Required Growth Rate – Let’s Evaluate That
To grow Rs. 67L + Rs. 3.2 crore to Rs. 30 crore in 19 years,

You’ll need an average return around 13% to 14% annually.

That’s achievable, but not guaranteed.

It depends on:

Fund categories

Asset allocation

Risk management

Market behaviour

5. Mutual Fund SIP – Is It Positioned Well?
You are doing Rs. 1.2L monthly in mutual funds.

It’s important to know how this SIP is spread:

Large-cap funds?

Flexi-cap funds?

Midcap, small-cap, or focused funds?

Any sectoral or thematic funds?

You need a strong tilt towards equity for this goal.

A suggested split (approximate):

40% flexi-cap + large-cap for stability

40% mid-cap and small-cap for growth

20% focused or thematic for alpha potential

SIP in actively managed funds through a Certified Financial Planner is key.

Avoid direct funds. They don’t offer ongoing reviews and rebalancing.

6. Stock Portfolio – Rs. 35L
Direct equity adds potential for high returns.

But it also adds volatility and risk.

Ask yourself:

Is your stock portfolio diversified?

Are you tracking and rebalancing regularly?

Do you have exposure to quality sectors?

Are you avoiding over-concentration?

A well-researched, long-term approach is needed.

If your equity portfolio underperforms, it will impact the 30 crore target.

7. NPS Contribution – Rs. 20K Monthly
NPS is good for disciplined retirement investing.

It gives tax benefits and partial equity exposure.

But it has liquidity restrictions till 60.

NPS equity cap is 75% (tier I) – may not match mutual fund returns.

Don’t depend on NPS alone for growth.

Use it as a stable secondary engine.

8. Inflation Consideration – A Hidden Threat
Over 19 years, inflation can reduce the purchasing power of money.

Your Rs. 30 crore should be inflation-adjusted.

So, real value might be around Rs. 10 crore in today’s money.

That’s still a strong and ambitious target.

9. Risk Management – Vital in This Journey
You are aiming high. So, managing downside risk is critical.

Follow asset allocation and rebalancing.

Add short-term debt or arbitrage funds gradually for stability.

Stay diversified across sectors and market caps.

Use SWP approach after 60 to withdraw smartly.

10. Things You Must Review Annually
Fund performance – replace consistent underperformers.

Asset allocation – rebalance equity vs. debt mix.

Goal progress – are you on track or lagging?

Market trend – adjust SIPs, if needed, during prolonged downtrends.

Tax planning – optimise long-term capital gains and exemptions.

11. Avoid These Common Mistakes
Over-exposure to single stock or single sector.

Stopping SIPs during a market fall.

Investing in direct mutual funds without professional guidance.

Reacting emotionally to market volatility.

Ignoring NPS or mutual fund reviews for many years.

12. Strategies That Will Help You Reach 30 Crores
Stay fully invested in equity-oriented funds for at least 14-15 years.

Use staggered allocation in mutual funds through SIP and STP.

Review your SIP growth annually and increase if surplus exists.

Keep emergency funds separate. Don't touch your investment portfolio.

Avoid ULIPs, endowment plans, or investment-linked insurance.

13. Should You Increase Your SIP Further?
Yes, if you can spare more each year, do step-up SIPs.

Even a 10% annual SIP increase will have massive impact.

Try to reach Rs. 2L/month SIP over next 5 years.

That alone can help you comfortably touch Rs. 30 crore or more.

14. Plan for Retirement Withdrawal Now Itself
Once you hit Rs. 30 crore, have a clear exit plan.

Use a bucket strategy post-retirement:

Short-term for next 2 years

Medium-term for 3–5 years

Long-term growth beyond 5 years

This ensures safe, inflation-beating, and tax-efficient retirement income.

Finally
Your current investments are strong and well-disciplined.

But Rs. 30 crore in 19 years needs growth, not just savings.

Equity mutual funds and stocks must stay efficient and well-reviewed.

A 13–14% average return is needed — possible, but needs active monitoring.

Review your SIPs yearly. Increase them as your income grows.

Get portfolio reviews regularly from a Certified Financial Planner.

Avoid short-term panic. Think long. Think big. Stay consistent.

With this discipline and structure, yes, you can reach your Rs. 30 crore goal.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8206 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2025

Asked by Anonymous - Apr 09, 2025Hindi
Money
Sir, I retired in January and received 50 lacs as super annuation fund. Is it right to invest money in SWP based mutual funds now? Please suggest me. If not, please suggest alternative investment.
Ans: congratulations on your retirement. Receiving Rs. 50 lakhs as superannuation is a good milestone.

You have asked whether it is right to invest in SWP-based mutual funds now. That’s a very wise and thoughtful question. Let me appreciate you first. You are not rushing. You are asking before investing. That is the right way to protect your retirement money.

Now, let me guide you step-by-step with a 360-degree assessment of your query.

Understanding Your Retirement Corpus
You have Rs. 50 lakhs in hand. This is your hard-earned money.

This money must support you for many years. You cannot take high risks with it.

At the same time, keeping it idle in a savings account is also not good.

You need regular income now, but also growth to beat inflation.

So, your investment must balance three things: safety, income, and long-term growth.

A Systematic Withdrawal Plan (SWP) seems attractive. But we must evaluate it fully.

What is an SWP and How it Works
SWP is a way to get regular income from mutual funds.

You invest a lump sum in a mutual fund.

Then, you withdraw a fixed amount monthly or quarterly.

The remaining amount stays invested and continues to grow.

This works well only if you invest in the right category of fund.

Is SWP Right for You Now? Let’s Analyse
SWP is suitable when markets are relatively stable or growing.

You have just retired. Your need is regular income with less risk.

So, you cannot afford sudden market shocks.

In early retirement years, capital protection is more important than return chasing.

If the fund value falls early, your withdrawals can deplete the fund faster.

This is called “sequence of return risk”. It can damage your retirement plan.

When SWP Becomes Effective
SWP works better after first 2-3 years of staying invested.

If the market performs well in early years, your fund has more room to grow.

It becomes sustainable for 15-20 years.

But this depends on proper asset allocation and category selection.

Not all mutual fund categories are good for SWP.

Which Fund Categories Are Risky for SWP
Small-cap and mid-cap funds are risky for steady SWP.

They are volatile. They move up and down quickly.

If you withdraw during a fall, you reduce your capital.

Sectoral or thematic funds are also unsuitable for SWP.

They depend on specific sectors like pharma or energy.

Which Categories Are Better for SWP
Balanced Advantage Funds are more stable.

They switch between equity and debt automatically.

This reduces your risk during market volatility.

Some Hybrid Conservative Funds can also work well.

They hold more debt and less equity.

Should You Invest the Entire Rs. 50 Lakhs in SWP Now?
No. Do not put full amount at once into SWP mutual funds.

That will expose you to market timing risk.

You can phase your investment in steps over 6-12 months.

First, park your Rs. 50L in a short-term debt fund.

Then, use monthly STP (Systematic Transfer Plan) to move to chosen equity-oriented fund.

After 12 months, start your SWP from the accumulated amount.

What About Taxation in SWP? Know the Rules
Mutual Fund withdrawals are taxed. But only on gains, not entire amount.

For equity funds, long-term capital gains (after 1 year) above Rs. 1.25L/year are taxed at 12.5%.

Short-term capital gains (within 1 year) are taxed at 20%.

For debt funds, both long- and short-term gains are taxed as per your income slab.

So, for SWP to be tax-efficient, you must plan long-term.

Avoid withdrawing from units bought in last 12 months.

What Are The Risks If You Depend Entirely On SWP
Your monthly income is not guaranteed.

During market downturns, fund value can reduce quickly.

That can affect your ability to withdraw the same income.

Your withdrawal may also include part of your principal.

If fund underperforms for many years, you may run out of money.

SWP Must Be Part of a Bigger Strategy, Not the Only Solution
Use SWP for partial income, not full dependency.

Diversify your Rs. 50L corpus into multiple buckets.

Allocate part for safety, part for regular income, and part for growth.

This is called the "Bucket Strategy" for retirement.

Ideal Allocation Structure for Your Rs. 50 Lakhs
Bucket 1 (Safety + Emergency): Rs. 10L

Keep in high-quality bank FD or ultra short-term debt fund.

This is for next 2-3 years of expenses.

No risk. Instant access in emergencies.

Bucket 2 (Stable Income): Rs. 20L

Invest in hybrid mutual funds for SWP.

Start STP for 12 months. Then begin SWP.

Choose regular plans via MFDs with CFP credentials.

Regular plans provide support, rebalancing, and exit timing help.

Direct plans may seem cheaper but lack personal guidance.

Regular plans also have advisor accountability.

You need this after retirement more than ever.

Bucket 3 (Growth + Inflation Hedge): Rs. 20L

Invest in balanced or flexi-cap mutual funds.

These help your wealth grow over long-term.

Don’t withdraw from this for 5-7 years.

This portion helps your SWP stay sustainable for 20+ years.

What Are the Alternatives If Not SWP
You can use interest from corporate bonds and RBI bonds.

Ladder your investments across different maturity periods.

Use short-term, medium-term, and long-term bond funds.

This keeps income flowing and reduces reinvestment risk.

Combine this with systematic withdrawal from hybrid funds.

That makes your overall plan more balanced.

Things You Must Avoid
Do not go for guaranteed return schemes.

They usually give low returns after tax.

Stay away from insurance-cum-investment policies.

They lock your money for long years with poor returns.

Do not fall for high dividend paying mutual funds.

Dividends are now taxable and reduce your fund value.

Review Your Plan Every Year
Retirement planning is not a one-time activity.

You must track your income and spending yearly.

Rebalance your funds once a year with expert help.

Review tax implications regularly. Rules can change anytime.

What to Ask Your Certified Financial Planner
How much income can I draw each year safely?

What happens if the market goes down for 3 years?

Will my money last till age 90 or more?

Can my portfolio beat inflation consistently?

Are my tax liabilities under control?

What is the exit plan if I don’t need SWP later?

Finally
SWP is a good tool, but not a full solution.

You must build a proper structure before using SWP.

Use 3 buckets: emergency, income, and growth.

Take support from a Certified Financial Planner.

Go only through regular mutual fund plans.

Direct plans do not give the support you need post-retirement.

SWP should start only after careful planning and phased investment.

Don't rush. Your Rs. 50 lakhs must give you peace for many years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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