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Nayagam P

Nayagam P P  |10916 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Ansh Question by Ansh on Jul 28, 2025Hindi
Career

DEAR SIR WHAT IS THE DIFFERENCE BETWEEN COMPUTER ENGINEERING AND COMPUTER SCIENCE ENGINEERING PLS HELP

Ans: Ansh, Computer Engineering and Computer Science Engineering share a foundational focus on computing, programming, and problem-solving, yet diverge in their core emphases, curricula, and career trajectories. Computer Science Engineering (CSE) centers on the theoretical, algorithmic, and software aspects of computing—including programming, algorithms, artificial intelligence, machine learning, databases, and the mathematical theory behind computation. In contrast, Computer Engineering (CE) bridges CSE with electrical engineering, focusing on the design and development of hardware systems alongside software—covering circuit design, embedded systems, digital logic, microprocessors, and hardware-software integration. In terms of difficulty, CSE is often seen as more accessible for those strong in mathematics and logic and keen on programming and abstract theory, while CE is more challenging due to the necessity of mastering both advanced mathematics, physics, and rigorous hands-on hardware work. The scope for CSE graduates skews strongly towards software roles, IT, data science, cybersecurity, and application or web development, with consistently high demand and placement rates exceeding 90% at top institutes. CE, meanwhile, opens doors to a wider spectrum—hardware design, IoT, robotics, embedded systems, telecommunications, and systems engineering—allowing graduates to traverse both hardware and software sectors, but facing niche specialization in hardware-dedicated roles.

From an opportunities perspective, both fields are in high demand, with CSE seeing greater placement rates and broader roles in current tech markets, while CE provides versatility across industries needing expertise in hardware-software integration and emerging technologies. Job demand for CSE is usually higher in the software industry and quickly growing AI areas, while CE is essential for creating integrated systems, hardware accelerators, and new computing technologies. Industry demand remains robust for both, though CSE is favored in large IT, finance, and product companies, while CE is vital for electronics, semiconductor, autonomous systems, and telecommunications sectors. Placements for CSE consistently top 85–95% in most reputable institutions compared to 75–88% for CE, with CE graduates excelling in organizations where system design, VLSI, IoT, and hardware innovation are prioritized. The curriculum for CSE is heavy on software tools, coding languages (Python, Java, C++), data science, and project management; CE incorporates hardware programming (Verilog, VHDL), electronic design automation, and networking. The research focus in CSE leans toward algorithms and software optimization, whereas CE’s research often leads to hardware advancements and embedded innovations. Both branches at top universities meet global standards regarding institutional aspects such as accreditation, curriculum rigor, faculty expertise, campus infrastructure, and industry linkages; however, research infrastructure may be more advantageous for Computer Engineering, particularly at engineering-focused campuses.

Recommendation: Choose Computer Science Engineering if your primary interest is in software, programming, and broad tech industry roles with high placement consistency and flexibility for further specialization (AI, data science, cybersecurity). Opt for Computer Engineering if your interests align with both hardware and software, and you seek a career involving system-level innovation, hardware design, and embedded technology, especially if you value multidisciplinary engineering and want diverse roles spanning core and tech sectors. Both are future-proof, but CSE currently provides more universal opportunities in India and globally given software’s demand edge, while CE is uniquely positioned for those targeting next-generation integrated systems or roles at the hardware-software frontier. All the BEST for a Prosperous Future!

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Reetika

Reetika Sharma  |571 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 21, 2026

Money
I just turned 50 and I have below portfolio and I’m looking to build 10 Crore portfolio when I retire in next 10 years at 60. 1. PF: 50 lac and approx 40K per month contribution will continue till retirement. 2. PPF: Currently 2 Lacs, 8.5k pm only will continue here. 3. Current MF portfolio is 15 lacs. SIP OF 1.25 lac spread across Small cap, large cap, Parag Parekh Flexi cap, Motilal Oswal Large and Midcap and NIFTBEES 25K per month SIP stated from Jan 2026. 4. Sukanya schema: 8 lac current balance but further deposit only 50K per yea 5. Real estate, House#1. Self use 2 bhk in good location worth 1 cr, no loans outstanding. House#2 - 1 BHK in good location worth 50 lac, 22 lac outstanding loan and 19 K rent. House#3- 2 bhk remote location worth 35 lac 12K rent and 10 lac outstanding loan. House#4, 3 bhk flat in good location worth 1.25 crore 35 lac loan will get possession in 3-4 months. 6. Bought land in native of 20 lac currently valued at 1 cr. I’m planning to sell house#2 and repay other house loans as much as possible. EMI that I will save, want to divert the funds to MF investment for next 10 years. Can you suggest me what changes or approach I need to follow to 10 cr at retirement and will this be enough or I need to target higher corpus at retirement. Note. Major expense My daughter Higher education expense coming in next 2 years and I need to allocate 15 to 20 lacs per year. One plan I’m thinking sell house, don’t repay other loans, invest the return from house sale into MF lumpsum 25 lacs and start SWP from 2nd year of higher education so some part from SWP and some from education loan. Pls advice Thanks.
Ans: Hi Pankaj,

It is really great that you have build a good amount at your age. Let us analyse all in detail.

You are looking forward to build a 10 crore retirement corpus in next 10 years. And your current investments include:
- PF - 50 lakhs; 40k monthly contribution will grow it to 2 crores in next 10 years.
- PPF - currently 2 lakhs. Any further contribution is not required as it gives only 7% tax free return. Rather redirect the monthly investment amount to aggressive mutual funds.
- SSY - currently 8 lakhs and further yearly deposit is good for you to continue.
- MF - currently 15 lakhs with a monthly SIP of 1.25 lakhs. This will grow to 4.5 crores if you do a step up of 10% with an assumed CAGR of 13%.
- Another major portion of your current assets is in real estate which offers less liquidity as compared to other assets. Total net value is 28 lakhs + 25 lakhs + 90 lakhs + 1 crore >> totalling to 2.4 crores and a loan of 67 lakhs. (not counting the self use flat as that is a necessity, not an asset that you will sell).

You are considering selling your flat worth 50 lakhs from which you will get 28 lakhs. You can reinvest this entire amount in mutual funds to meet education requirement for your daughter's education.
Although this amount will not be sufficient, you will need more monthly or lumpsum investment for this particular goal.

>> Your goal to reach 10 crores after 10 years will only fulfil if you liquidate another 1 or 2 properties that you hold. This will lessen the burden of education goal, release your EMI burden and increase your focus on increasing monthly SIP to more than double of the current value.

This way you can fulfil your goals. But make sure that the funds you are currently investing in are as per your risk appetite and other factors. Any misalignment can negate the overall required performance.
Thus it is better for you to connect with a professional advisor who will help you wrt mutual fund investment.

Hence do consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |571 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Feb 21, 2026

Money
I need some advice on the investments which i have made - i am not sure whether they will be doing good not in the future 1) I have invested Rs 5 lacs JM Aggressive Hybrid Fund (Regular) in the year Oct 2024 oct but till date its not showing up good results as on date its on negative returns the invested value is 4,65651 with - 6.87% 2) Bank of India -Business cycle fund- Regular plan- Growth Invested 1 ) lac and its current value 87395 -12.60 3) JM small cap fund Regular growth option ( G) Investing through SIP mode Invested value so far -84995 and current value - 80539 Abs returns - 5.24% 4) JM Value fund Regular growth option ( G) Investing through SIP mode Invested value so far -84995 and current value - 81805 Abs returns - 3.75% ( since ) sep 2024 -- 5) HDFC Balance Advantage FUnd Regular plan Growth (G) invested value 5,00000- Current value - 521982 Returns - 4.40 % I am not complete sure what to do here Should i keep invested in this or do i need to switch to other funds . I am waiting on this from almost 1 year now but now seeing any growth but my broker through iam invested in this he is not giving me any good suggestion or advice .please help me here with the path forward plan .Iam not sure whether these funds will give me good returns in future or not ? please suggest
Ans: Hi Madhumohite,

The funds mentioned and selected by you are not recommended due to their concentrated nature, these will underperform for quite a while more and will take a good time to recover.
Markets are quite volatile and you should ideally wait for some more time.

In the meantime, avoid investing in new funds. Also please share how you selected these funds - your own research or someone's recommendation?
In either case, avoid doing that. Instead connect with a professional and he/ she will guide you appropriately.

HDFC Balanced fund is a good fund, rest all funds need reallocation.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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