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Recent BSC graduate in medical: What are my next steps?

Radheshyam

Radheshyam Zanwar  |1191 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 22, 2025

Radheshyam Zanwar is the founder of Zanwar Classes which prepares aspirants for competitive exams such as MHT-CET, IIT-JEE and NEET-UG.
Based in Aurangabad, Maharashtra, it provides coaching for Class 10 and Class 12 students as well.
Since the last 25 years, Radheshyam has been teaching mathematics to Class 11 and Class 12 students and coaching them for engineering and medical entrance examinations.
Radheshyam completed his civil engineering from the Government Engineering College in Aurangabad.... more
Priyanka Question by Priyanka on Jan 11, 2025Hindi
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What should I do after my bsc in medical

Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam
Asked on - Jan 22, 2025 | Answered on Jan 22, 2025
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Any other advice...I think my fmly shouldn't allow me... although I'm an average student
Ans: Welcome back.
Don't think that you are an average student. We have seen average students at school and college level working at higher posts in MNCs and in many corporate firms. Remember, nothing is impossible in life. Always be positive.
It would be better to talk with your family members closely about your plans.
Best of luck for your upcoming future. If satisfied, please like and follow me. If dissatisfied with the reply, please ask again without hesitation. Thanks. Radheshyam
Asked on - Jan 22, 2025 | Answered on Jan 22, 2025
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Any other advice...I think my fmly shouldn't allow me... although I'm an average student...if u don't mind can I ask u...what u have done after ur 12th...I mean ur advice is good for me
Ans: Welcome back.
This is a very personalized question. But after 12th, I completed my Civil Engineering from the Govt College of Engineering. Done job and then started my own business in a space of 6 feet x 8 feet and struggled for Rs.50/- per day to earn. But never lost confidence and built my business building in a cream locality in just 10 years.
Hope you may also achieve the desired goal in the future if you are well determined.
Best of luck for your upcoming future. If satisfied, please like and follow me. If dissatisfied with the reply, please ask again without hesitation. Thanks. Radheshyam
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Hello sir, I am 33years old and like to have a stable life with a good retirement corpus along with children education. I have 2 sons both are of 1 and 3years old respectively and my wife is a housewife. I am having FD of 16L, 10L in gold, bought a flat paying housing loan EMI of 25K, having term insurance for 1cr and health insurance for 4L. I am making investments in mutual funds SIP of 30k since last 1 year. Hdfc dividend yeild fund 1000 Icici bluechip fund 8000 Quant small cap fund 1000 Canara robecco small cap fund 1000 Uti nifty index fund 5000 Icici balanced advantage fund 5000 Jm flexicap fund 2000 Quant elss fund 5000 Parag pareekh flexicap fund 2000 Lumsum Investments Sbi healthcare fund 20K Quant infrastruture fund 10k Sbi magnum gilt fund 20k Plz advice....am i really doing good with these investments or shall i replan my investments....
Ans: Hello;

Having 12 funds(9 sip+3 lumpsum) in portfolio is not required.

You need to just 4 funds for your sip of 30 K(divided equally):
1. Flexicap fund
2. Large and midcap fund
3. Balanced advantage fund
4. Multi asset allocation fund

You may consider exiting the sectoral, thematic and debt fund owned by you and redeploy it in your regular funds.

This ensures equity(large cap oriented)is predominant asset class in your portfolio but it also has exposure to debt and gold for balance and risk mitigation.

Also keep a target to step up sip amount every year by 7-10% atleast.

This will go towards higher education provision for your kids. (~1.85 Cr in 15 years considering 7% annual top-up and 10% modest returns)

For your retirement planning you may consider NPS and start with a decent amount(~30 K pm) as regular investment since time is on your side(27 years to hit 60 age).[3.45 Cr in 27 years without any step up consideration. 8% returns assumed].

Consider buying home loan insurance and super top-up health cover.

Happy Investing;
X: @mars_invest

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