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Geeta

Geeta Ratra  | Answer  |Ask -

Visas, Study Abroad Expert - Answered on May 22, 2023

Geeta Ratra has been an immigration expert for more than two decades and has strong knowledge of international immigration policies and procedures. She is vice president, operations, at Abhinav Immigration Services. Besides visa and immigration services, they also provide study abroad advice that includes application assistance, counselling and university shortlisting.... more
Vijay Question by Vijay on Apr 30, 2023Hindi
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Career

I would like to immigrate to the UK as l have worked there before and have a UK degree. I am a doctor with three decades experience. What would you suggest?

Ans: Hi Vijay
To immigrate to UK you can go on skilled worker visa category. You need to look for the jobs in UK and on the basis of the same apply for the skilled worker visa. At this moment UK is not offering direct permanent residence visa.
Career

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Abhishek

Abhishek Shah  | Answer  |Ask -

HR Expert - Answered on Aug 03, 2023

Asked by Anonymous - Jul 17, 2023Hindi
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Career
Hi, I am an engineer with 11 years experience in technical sales.How can i take up a job in UK and move forward in my career.
Ans: Hello,

I understand that transitioning your career to the UK can be an exciting opportunity for personal and professional growth. To successfully take up a job in the UK and move forward in your career as a technical sales engineer, consider the following steps:

Research Job Market and Requirements: Start by researching the job market in the UK for technical sales roles. Look for companies and industries that align with your expertise and experience. Review the specific job requirements and qualifications expected by employers.

Work on Your CV and Cover Letter: Tailor your CV to the UK format and ensure it highlights your relevant experience, skills, and achievements. Craft a compelling cover letter that explains your intention to work in the UK and how your expertise can benefit potential employers.

Networking and Online Presence: Engage in networking both online and offline. LinkedIn can be a valuable platform to connect with professionals and potential employers in the UK. Building a strong online presence can also help recruiters discover you.

Visa and Work Authorization: Check the UK government's official website to understand the visa and work authorization requirements. Ensure you have the necessary visa to work legally in the UK.

Search for Job Opportunities: Utilize job search platforms like Indeed, Glassdoor, and specialized engineering job boards to find suitable openings. Attend virtual job fairs and industry events to connect with employers directly.

Prepare for Interviews: Be ready for remote interviews or, if possible, travel to the UK for face-to-face interviews. Research the companies you interview with and practice answering common technical sales interview questions.

Highlight Your International Experience: Emphasize the value of your 11 years of technical sales experience in your interviews. Showcase how your diverse background and international exposure can bring unique perspectives to UK-based companies.

Continued Professional Development: Stay updated with industry trends and advancements in technical sales. Consider obtaining certifications or additional training to enhance your skills and marketability.

Cultural Adaptation: Understand and adapt to the cultural differences in the UK workplace. Being culturally aware and open-minded will help you integrate smoothly into the new work environment.

Be Persistent and Patient: Securing a job in a new country can take time. Be persistent in your job search, keep applying, and don't get discouraged if the process takes longer than expected.

Remember, moving to a new country for work can be a transformative experience. Stay positive, embrace the challenges, and be open to new opportunities that may arise along the way. Good luck with your job search and career advancement in the UK!

Regards,
Abhishek Shah

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Sushil

Sushil Sukhwani  | Answer  |Ask -

Study Abroad Expert - Answered on Apr 11, 2024

Asked by Anonymous - Apr 11, 2024Hindi
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Career
I want to go to uk for my MBA I'm currently pursuing my graduation in international business please give me some advice
Ans: Hello,

First and foremost, thank you for getting in touch with us. I am happy to hear that you are currently pursuing your undergraduate degree in International Business after which you intend pursuing an MBA in the UK. I would like to let you know that taking into account the prominent business institutions as well as the country’s multicultural environment, opting for an MBA in the UK can be a fruitful choice. As you are presently studying international business, I believe you most certainly already possess a solid understanding of global commerce, which will prove beneficial throughout your MBA degree. Nevertheless, I would recommend that you carry out a comprehensive research pertaining to the various MBA programs provided by universities in the UK prior to applying.

As a first step, I would suggest that you take into account the program accreditation, course outline, experience of the faculty members, as well as possibilities to acquire hands-on experience, viz., internships or consultancy engagements. Not just that, evaluate the fields of specializations that each program has to offer in order to make sure that they resonate with your professional objectives in the domain of international business. Remember that establishing ties in the business environment can greatly improve your employment opportunities after completing an MBA, and for that reason, I would suggest that you explore the networking possibilities that each school has to offer.

Moreover, throughout your stay in the UK, adapt yourself to the various cultures. Your academic journey will be greatly enhanced and you will be able to develop a global mentality, a vital asset in the interconnected corporate world of today, through interacting with people of diverse backgrounds and experiences both within and outside of the classroom. Lastly, in order to acquire guidance and knowledge pertaining to your goals, I would recommend that you get in touch with mentors or students who have previously followed same avenues.

Remember, your MBA program in the UK can greatly enhance your career objectives in international business if you prepare carefully and work hard.

For more information, you can visit our website.

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Shekhar

Shekhar Kumar  | Answer  |Ask -

Leadership, HR Expert - Answered on Apr 23, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Dr Nagarajan J S K

Dr Nagarajan J S K   |2577 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
Career
Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?
Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
• Alder Hey International Fellowship Scheme (Anaesthetics)
• Betsi Cadwaladr University Health Board - BCUHB IMG Sponsorship Scheme
• BAPIO Training Academy Ltd – BTA International Fellowship Scheme
• BAPIO Training Academy Ltd – International Training Programme for Postgraduate Doctors
• BAPIO Training Academy Ltd - BTA International Fellowship Scheme – Internal Medicine with interest in Oncology with MSc in Oncology
• Barking Havering and Redbridge University Hospitals NHS Trust - BHRUT Sponsorship Scheme for Overseas Doctors in Clinical Radiology
• Birmingham and Solihull Mental Health NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry (Birmingham)
• Birmingham Women’s and Children’s Hospital – Birmingham Women’s and Children’s International Medical Graduate sponsorship scheme
• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
• Cumbria Northumberland Tyne and Wear NHS Psychiatry Fellowship Programme
• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
• Dudley Group NHS Foundation Trust
• East Lancashire Hospitals NHS Trust - Clinical Fellowship in Urology or Ophthalmology
• East Lancashire Hospital NHS Trust - Specialist Clinical Fellowship in Pain Management
• East London NHS Foundation Trust (ELFT) – ELFT Advanced International Fellowship in Psychiatry
• East Suffolk and North Essex NHS Foundation Trust – ICENI Centre Fellowships Programme
• Edge Hill University and Wrightington, Wigan and Leigh NHS Trust – International Training Fellowships in MCh programmes
• ENT UK – Royal College of Surgeons
• Essex Partnership University NHS Foundation Trust – EPUT Advanced Fellowship in Psychiatry
• Frimley Health NHS Foundation Trust – International Fellowship in Regional Anaesthesia combined with MSc in Principles of Regional Anaesthesia at the University of East Anglia
• Great Ormond Street Hospital International Fellowship Programme
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Critical Care
• Guy’s and St Thomas’ NHS Foundation Trust – International Clinical Fellowship Programme (ICFP)
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
• Imperial College, London - Clinical Research
• King’s College Hospital NHS Trusts – International Critical Care Fellowship
• King’s College Hospital NHS Trusts – Paediatric Critical Care Fellowship
• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
• Lancashire Teaching Hospitals NHS Trust - Overseas Registrar Development and Recruitment (ORDER)
• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
• Leicestershire Partnership NHS Trust – International Medical Fellowship Programme in Psychiatry
• Lincolnshire Partnership NHS Foundation Trust – CESR Fellowship in Psychiatry or Sponsored Fellowship in Psychiatry
• Lysholm Dept of Neuroradiology – National Hospital for Neurology and Neurosurgery, UCL
• Manchester University NHS Foundation Trust – International Fellowship Programme
• Midlands Partnership NHS Foundation Trust
• Ministry of Defence – International Military Clinical Fellowships
• Modality Partnership - Modality Primary Care International Fellowship Scheme
• NAViGO Health and Social Care CIC – International Medical Fellowship in Psychiatry
• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
• North Lincolnshire and Goole NHS Foundation Trust (NLAG) Sponsorship Programme
• Northampton General Hospital – Clinical Fellowship in Regional Anaesthesia
• Northampton General Hospital NHS Trust - International Clinical Fellowship in Regional Anaesthesia, Vascular Anaesthesia, or Peri-operative Medicine
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford Eye Hospital
• Oxford University Hospitals NHS Foundation Trust – Oxford Intensive Care Medicine (OxICM) Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
• Rotherham Doncaster and South Humber NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Royal College of Anaesthetists – Global Fellowship Scheme (Anaesthesia or ICM)
• Royal College of Anaesthetists – MTI Scheme
• Royal College of Emergency Medicine
• Royal College of Obstetricians and Gynaecologists – MTI Scheme
• Royal College of Ophthalmologists
• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
• Royal College of Physicians of London
• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

..Read more

Latest Questions
Anu

Anu Krishna  |1749 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 17, 2025

Relationship
one of my friend who is married from past 14 years having 2 kids (elder son 12 and daughter 8)...he was out of home deputed to site on project work by company for more than 4 months. During this period he did not visit the home but regularly available on call and in touch with his w... when he returned to home his wife was behavior was not normal as like earlier ... later he found out that his wife got involve with her college friend during this period ..... and they had physical 01 time during this period... now my best friend he is very caring and not able to forget this betrayed act by his wife... after all this he is not able to concentrate and focus on his work.. he love his wife so much and want to forgive her but how to handle this situation in decent way... he is not willing to divorce or parting his ways... request you to suggest some way out to get out of situation and lead a normal life as like earlier
Ans: Dear Navya,
He loves her
He wants to forgive her
BUT
He is not able to forget what his wife has done
Sadly, both these work in opposite directions...
If he is willing to rebuild his marriage, he does not need to forget what his wife has done BUT he can work on how to process what she has done. This is difficult to do...but he will need to understand what happened, the reasons for it, if the wife is still interested in the marriage and if both are willing to work together towards the future. If this seems a bit difficult to work out by themselves, I suggest that they see an expert who can guide them aptly.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1749 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 17, 2025

Asked by Anonymous - Sep 26, 2025Hindi
Relationship
hello mam, My son 19 year old from last 4 year his behavior change not listing not having food properly whole day watching mobile after 10th i put him diploma in electrical engineer he completed his 1 year but from 2nd year he stop going to college we both are working parent so nobody is there at home to force to go for college his teacher every day calling me to send him to college but he is not listing i ask him did teacher scold you or any student is troubling you he said no one is troubling me i don't want to study i want to do voice dubbing i want to give my voice for cartoon and for dubb movies in july 2025 he told me in 2028 i will leave both of you i have my dream i leave the home i ask him what is your dream he said 1st 2 dream i cant tell you but 3rd dream is to go to japan for tour i thought he is joking. In August 2025 he started going for voice dubbing classes in 1st week of August 2025 he told me my planning is change next month only i will leave both of you again i thought is just pulling my leg but on 15 September its regular Monday we both parent went for job and he called me around 12 pm and said daddy left the home not a single rupees he had with him and he left the home in full of rain he keep walking and talking to me i ask him where you are going but he said that's secrete i took his mom in conference and try convince him but he not listing with 1 hour talking with him on phone i ask him tell me the landmark where you are he told me one landmark while talking him i left office to reach the landmark he told i forcibly sit him in car and take back home with his mother after reaching home with his mother we are trying to convince don't do like this its your home we have only one child that is you but he said no today is the i want to go let me go don't fail my planning whole standing at home he said want to go without having water or food just crying and saying i want leave the home in evening at 7pm i told him give me three month i will send to japan for tour after hearing this he little bit convince but said repair my mobile which was shutdown due rain water get inside arrange visa and passport within three month and give new laptop for playing game but after three i will leave both of you and left the home in december 2025 he told me he will the home. he is very superstitious at home not having bath use same cloth he said if change cloth and have bath all my power will go after that incidence leaving home he become more superstitious each and every moment he whispering himself after asking why you doing this saying this is my power i will get what i want if i scold him he said i will leave home right now please help me what to do he not having bath not changing cloth not having afternoon food not cutting his nails from last 15 days i am very much in stress due to his behavior and stress about his future also he is not behaving like a normal child whole day and night watching mobile. Please help
Ans: Dear Anonymous,
Please take him to a professional who can evaluate him. There are a lot of gaps in what you haev shared and a professional will be able to ask the right questions and be of better guidance to your son and your family.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Ramalingam

Ramalingam Kalirajan  |10902 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 17, 2025

Money
Hi Vivek, I am 43 year old. I am currently working in private organization. Having an Investment of 8.0 Lac in NPS, 27 Lac in PF, 4 Lac in PPF and 2.5 Lac in FD. My child is in 11th Science. I have my own house and no any loan. I need to Invest around 80.0 Lac for Child Education, Marriage and Retirement.
Ans: Your discipline and clarity deserve appreciation.
You have built strong foundations early.
Many people reach forty without such assets.
You already reduced major future stress.
That itself gives you an advantage.

» Current Financial Snapshot
– You are 43 years old.
– You work in a private organisation.
– You own your house fully.
– You have no loans.
– This gives financial stability.

– Retirement focused savings already exist.
– Long term instruments form your base.
– Your money is spread across safety products.
– Liquidity is limited but acceptable.
– Growth exposure needs attention.

» Existing Investment Review
– Retirement related savings are meaningful.
– Mandatory savings have helped discipline.
– These instruments protect capital well.
– However growth potential is limited.
– Inflation risk exists over long periods.

– These assets suit long term security.
– They suit retirement stability well.
– They are not designed for high growth.
– Child goals need higher growth.
– Marriage expenses need liquidity planning.

» Child Education Time Horizon
– Your child is in 11th Science.
– Higher education expenses are near.
– Time available is limited.
– Risk capacity is lower here.
– Planning must be conservative.

– Education costs grow faster than inflation.
– Professional courses cost significantly more.
– Overseas options cost even higher.
– Partial funding support is important.
– Loans should be minimised.

» Child Marriage Planning Window
– Marriage expenses are medium term.
– You still have some time.
– Cultural expectations increase costs.
– Planning early reduces stress.
– This goal needs balance.

– Too much risk can hurt plans.
– Too little growth causes shortfall.
– Phased investing works best.
– Gradual shift towards safety helps.
– Liquidity must be ensured.

» Retirement Planning Horizon
– Retirement is long term.
– You have nearly two decades.
– This allows growth oriented approach.
– Inflation is biggest risk here.
– Passive savings alone will not suffice.

– Retirement expenses last many years.
– Healthcare costs rise sharply later.
– Regular income post retirement matters.
– Corpus must be inflation protected.
– Growth assets become essential.

» Understanding Rs 80 Lac Requirement
– Rs 80 Lac is a combined target.
– All goals have different timelines.
– One strategy will not suit all.
– Segmentation is essential.
– This avoids misallocation.

– Education needs immediate planning.
– Marriage needs medium planning.
– Retirement needs long term planning.
– Each goal must be ring-fenced.
– Mixing goals creates confusion.

» Asset Allocation Importance
– Asset allocation drives outcomes.
– Not product selection alone.
– Time horizon decides allocation.
– Risk appetite decides allocation.
– Discipline maintains allocation.

– Safety instruments protect capital.
– Growth instruments fight inflation.
– Balance avoids emotional mistakes.
– Rebalancing keeps strategy aligned.
– This is a continuous process.

» Role Of Equity Exposure
– Equity creates long term wealth.
– Equity is volatile short term.
– Time reduces equity risk.
– Retirement horizon suits equity.
– Education horizon needs limited equity.

– Selective equity exposure is essential.
– Quality matters more than quantity.
– Active management adds value.
– Market cycles require judgment.
– Discipline ensures success.

» Why Not Depend Only On Safe Instruments
– Safe instruments give predictable returns.
– They struggle to beat inflation.
– Purchasing power erodes slowly.
– Long term goals suffer silently.
– Growth becomes insufficient.

– Your current assets are safety heavy.
– Growth allocation needs improvement.
– This change should be gradual.
– Sudden shifts create stress.
– Planned transition works better.

» Education Goal Strategy
– Use conservative growth approach.
– Capital protection is priority.
– Avoid aggressive exposure now.
– Phased investing works best.
– Gradual de-risking is necessary.

– Education funding should be ready.
– Avoid dependency on future income.
– Avoid last minute borrowing.
– Keep funds accessible.
– Liquidity is key.

» Marriage Goal Strategy
– Marriage expenses are emotional.
– Costs are difficult to predict.
– Planning gives confidence.
– Balanced approach is ideal.
– Growth plus safety mix works.

– Start allocating gradually.
– Increase safety closer to event.
– Avoid locking money long term.
– Keep flexibility.
– Avoid speculation.

» Retirement Goal Strategy
– Retirement planning needs growth focus.
– Inflation is the silent enemy.
– Long horizon allows equity.
– Volatility should be accepted.
– Discipline ensures compounding.

– Retirement corpus must grow faster.
– Contributions should increase with income.
– Lifestyle expectations must be realistic.
– Healthcare buffer is essential.
– Regular review is necessary.

» Role Of Active Funds
– Markets do not move uniformly.
– Sectors rotate frequently.
– Index funds stay static.
– They reflect index weaknesses.
– Active funds adapt better.

– Active managers adjust allocations.
– They reduce exposure in weak sectors.
– They increase exposure in growth areas.
– This helps during volatility.
– Especially for long term goals.

» Why Avoid Index Based Approach
– Index funds mirror market direction.
– They cannot protect downside.
– They remain exposed during corrections.
– Investors feel helpless.
– Returns stay average.

– Active strategies aim to outperform.
– They manage risk dynamically.
– They suit Indian market inefficiencies.
– Skilled management adds value.
– This matters over decades.

» Regular Investing Route Benefits
– Regular route offers guidance.
– Behaviour management is critical.
– Panic decisions destroy returns.
– Professional handholding matters.
– Especially during volatile phases.

– Certified Financial Planner helps discipline.
– Goal tracking becomes structured.
– Portfolio review becomes systematic.
– Emotional bias reduces.
– Long term success improves.

» Liquidity Planning
– Emergency funds are essential.
– You currently have limited liquidity.
– One year expenses should be accessible.
– This avoids distress selling.
– It protects long term investments.

– Emergency planning gives peace.
– Unexpected events do not derail plans.
– This should be built gradually.
– Avoid using retirement savings.
– Keep it separate.

» Insurance As Risk Management
– Insurance protects your plan.
– It is not an investment.
– Adequate life cover is essential.
– Health cover avoids financial shock.
– Premiums are necessary expenses.

– Delaying insurance increases risk.
– Medical inflation is severe.
– Employer cover is insufficient.
– Family protection is priority.
– This secures your goals.

» Tax Efficiency Perspective
– Tax planning should support goals.
– Avoid tax driven decisions alone.
– Post tax returns matter.
– Simplicity reduces mistakes.
– Compliance avoids future stress.

– Long term equity taxation is favourable.
– Short term churn increases tax.
– Stability helps efficiency.
– Avoid frequent switching.
– Stay disciplined.

» Monitoring And Review Process
– Plans are not static.
– Life changes require adjustment.
– Income growth allows higher contribution.
– Goals may change.
– Reviews keep relevance.

– Annual review is sufficient.
– Avoid daily market tracking.
– Focus on progress.
– Ignore noise.
– Stick to strategy.

» Behavioural Discipline
– Emotions affect investment outcomes.
– Fear causes premature exit.
– Greed causes overexposure.
– Discipline balances both.
– Guidance helps immensely.

– Long term wealth needs patience.
– Short term market moves mislead.
– Consistency beats timing.
– Process beats prediction.
– Stay calm.

» Aligning Goals With Reality
– Rs 80 Lac goal is achievable.
– Planning must be realistic.
– Income growth will support it.
– Lifestyle control helps savings.
– Early planning reduces pressure.

– You already started well.
– Course correction is timely.
– Delay would increase burden.
– Action now simplifies future.
– Confidence improves.

» Family Communication
– Discuss goals with family.
– Shared understanding reduces conflict.
– Expectations become realistic.
– Decisions gain support.
– Stress reduces significantly.

– Financial planning is family planning.
– Transparency builds trust.
– It improves discipline.
– Everyone works towards goals.
– Harmony improves.

» Risk Capacity Versus Risk Appetite
– Risk capacity is strong for retirement.
– Risk appetite may vary emotionally.
– Planning must respect both.
– Overexposure creates anxiety.
– Underexposure creates regret.

– Balance is the answer.
– Gradual allocation changes work best.
– Avoid extreme decisions.
– Stay flexible.
– Stay focused.

» Final Insights
– You have built a strong base.
– Assets are safe but growth limited.
– Goals need segmented planning.
– Education needs conservative strategy.
– Marriage needs balanced approach.
– Retirement needs growth focus.
– Active management adds value.
– Regular guidance supports discipline.
– Insurance protects the plan.
– Liquidity avoids stress.
– Review keeps alignment.
– Patience creates results.

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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