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Nayagam P

Nayagam P P  |3659 Answers  |Ask -

Career Counsellor - Answered on Aug 09, 2024

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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Asked by Anonymous - Aug 09, 2024Hindi
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which is better jss bangalore or rnsit or cse?

Ans: Prefer RNSIT. All the BEST for Your Bright Future.

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Moneywize

Moneywize   |145 Answers  |Ask -

Financial Planner - Answered on Sep 08, 2024

Asked by Anonymous - Sep 05, 2024Hindi
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I am investing monthly around Rs 18,000 in MFs, as per the following: Canara Robeco Small capMF - Rs 4.5k, PGIM Mid Cap Opportunities - Rs 4.5k, Tata Digital - Rs 4.5k, Quant Active - Rs 4.5k. I am intending to increase monthly investment in MF from present Rs 18k to Rs 40k & needed a corpus of at least 1 cr in next 10 years. Can you check suggest if my portfolio needs any changes or the same appears to be in order?
Ans: To reach a corpus of Rs 1 crore in 10 years, you will need to invest in funds that generate around 10-12 per cent annual returns. Your current portfolio is diversified across small-cap, mid-cap, digital, and active funds, which can work well but also carries some volatility, especially in sectoral and small-cap/mid-cap funds.

Portfolio Review:

• Canara Robeco Small Cap Fund: Good for aggressive growth but highly volatile. Keep it if you're comfortable with higher risk.
• PGIM Mid Cap Opportunities Fund: Another growth-oriented fund with decent potential. It's good to have some exposure to mid-caps.
• Tata Digital Fund: Sectoral funds are risky because they are dependent on the sector's performance. Digital/technology funds can be volatile; consider reducing exposure here.
• Quant Active Fund: A multi-cap approach with flexibility across market caps. This fund provides balance and is good for diversification.

Suggestions:

• Increase Allocation to Large Cap/Index Funds: You may want to balance your portfolio with a large-cap or index fund like UTI Nifty 50 or Mirae Asset Large Cap Fund. Large-cap funds provide stability and reduce overall portfolio volatility.
• Reduce Sector-Specific Exposure: Consider trimming your allocation to Tata Digital Fund, as sectoral funds can face prolonged underperformance during sector downturns. You can reallocate this to a more diversified fund.
• Balanced Fund: Add a balanced or hybrid fund like HDFC Balanced Advantage Fund or ICICI Prudential Balanced Advantage Fund for better risk management while maintaining growth potential.
• Debt Component: To hedge against equity risk, consider adding a small portion to a short-term debt fund or gilt fund, which can provide stability during volatile periods.

Suggested Structure After Increase:

• Canara Robeco Small Cap Fund: Rs 6,000
• PGIM Mid Cap Opportunities Fund: Rs 6,000
• Quant Active Fund: Rs 6,000
• Mirae Asset Large Cap Fund: Rs 6,000
• HDFC Balanced Advantage Fund: Rs 6,000
• ICICI Prudential Multi Asset Fund: Rs 5,000
• UTI Nifty 50 Index Fund: Rs 5,000

This adjusted allocation will maintain growth potential while providing a cushion against volatility.

...Read more

Kanchan

Kanchan Rai  |331 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Sep 08, 2024

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Relationship
I'm seeking guidance on improving my communication with my daughters. I want to create a more positive and supportive environment at home, especially when discussing their mistakes or weaknesses. Could you please share some strategies on how I can provide positive feedback and encouragement, even when addressing their mistakes? I aim to help them feel comfortable discussing their challenges without fear and to focus on turning negative thoughts into positive ones. Your advice on how to approach this in a friendly and constructive manner would be greatly appreciated. Thank you for your support
Ans: It’s really commendable that you're seeking ways to improve communication with your daughters, especially when it comes to handling mistakes or weaknesses. The goal you're aiming for—creating a supportive environment where they feel safe to share their challenges—is a key part of nurturing a healthy and open relationship.

When addressing their mistakes, it’s important to remember that how they interpret your feedback can shape how they see themselves and their ability to handle difficulties. You want them to feel like they’re not being judged or criticized but instead being guided towards growth. One way to start is by focusing on empathy in your conversations. When they make a mistake, it’s natural to want to correct it quickly, but it can be more productive to begin by acknowledging how they might feel. This lets them know that you understand their experience, and that mistakes are part of life and learning. It shifts the focus from the mistake itself to their emotions, which builds trust.

Another aspect is how you frame the conversation. Instead of honing in on what went wrong, it’s helpful to highlight the effort they put in and the process they went through, even if the outcome wasn’t perfect. Letting them know that their effort is noticed and appreciated can boost their confidence. When they feel that their hard work is valued, they’re more likely to discuss their challenges openly, rather than feeling like they failed. If they feel supported during these moments, they will be more inclined to seek your guidance in the future without fearing a negative response.

Listening is another vital tool. When they make a mistake, resist the urge to immediately jump in with advice or corrections. Instead, ask them how they feel about what happened or what they think they could do differently next time. This not only gives them ownership of their problem-solving but also empowers them to reflect and learn from their experiences. Sometimes, when children are given the space to voice their thoughts, they can surprise you with their insights. And even if they don’t have an answer right away, they’ll appreciate being part of the conversation rather than being lectured.

It’s also important to be patient with progress. Instead of expecting a big shift in behavior or attitude overnight, focus on the small steps they take. Recognizing these smaller victories can go a long way in motivating them to keep improving, even when they stumble. They need to see that progress is more important than perfection, and your role is to guide them through the ups and downs without focusing too much on the final result.

Finally, your own approach to challenges and mistakes plays a big role in shaping how they will handle their own. When they see you approach difficulties with a positive mindset—whether it's a work challenge or a personal frustration—they’re learning that setbacks don’t define them. Modeling this kind of attitude will encourage them to talk about their own struggles more openly and with less fear of judgment.

In essence, the goal is to build trust and maintain a positive tone, even when discussing difficult topics. With this approach, your daughters will not only feel comfortable coming to you but will also develop a stronger sense of resilience in facing their own challenges. You’ll find that as they feel more supported, their confidence in addressing their weaknesses will naturally grow.

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