Madam, iam having severe anxiety due to which I am feeling nervous through out day. I have some sleep disturbances as well. Plz guide me reg my condition.

Ans: You may consider investing in following type of mutual funds, since they have a moderate or lower risk rating inline with your risk profile:

Equity savings fund
Corporate bond fund
Dynamic bond fund
Gilt fund
Arbitrage fund
Liquid fund
Top 4 may be utilised for your investments and the remaining two fund types may be used for parking your emergency funds.
*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

Ans: Dear ,

feel sorry that you being an MBA in OPs and Finance , remained out of job for almost 4 yrs hence you have to learn a new course like Python . I don't know much about your profile from our query however what i feel that your work experience was not pleasant hence you quit the job and now shifted to a very new sector . As far as salary is concerned for any IT professional having some idea in python which of course are in demand but as you lack any technical degree in Computer Science , you may not command very high salary. I will suggest you to get back to you to restart your career using your management degree simultaneously.

Ans: Dear ,

You have raised a valid point which most of the young professionals are passing through. What a paradox in Indian context , at one hand,. public sector companies do have quite liberal working conditions and virtually No direct accountability to push your to the stress level to that high of opting for ending life. whereas in most private or proprietorship companies , right from reaching office in time to achieving the set objectives days after days , months after months keep on increasing. There is limit of tolerance of abusive behaviur or working styles , hence many find ways to move to other comanpies, some quite the job , some move out to other industries . There are many companies , why only talk about EY or IT sector companies ,I can give true exampples of BFSI/NBFCs/Telecom/ Industrial products companies / Real Estate cos/ FMCG/FMCD/Pharma cos where many avoid to opt for even when they are offered high packages , Reason, - High work pressure , abusive work conditions , Job Uncertainity , worst approach of top management . You are treated like slaves .
However taking own life as the CA at EY did was really heartwrenching . More so the approach of the management , After all a young talented girl . lost her life due to work pressure as mentiioned in her notes. To be honest , no one attending funeral from management side is not normal . In most cases some one represents management . May be, due to legal complications, Sr managers avoided attending the funeral . As far as my advice to young professionals is concerned , Be bold , take challenges as part of your life and when you feel . it is crossing your limits , You must expose the truth to top management as many a times , putting so much pressure on young professionals are the handiworks of Line managers or HR manager , which top management might not be aware about . She being a CA should not have any issues in finding another good paying job or even joining any CA firm as Sr manager taxation or in auditing. She should have fought back. You must have seen many army /police /CISF or Bank professionals commit suicide under work pressure which is really painful . One should fight back or find better options available than ending own life.

Ans: short term ok, multibagger NO

Ans: Balanced Fund

Ans: Surrender will cause lot of charges and since you already have market exposure through ULIP therefore I recommend you to continue it. Invest in Bluechip and opportunities fund for long term. Also since your policy is before Feb-2021, your gains out of ULIP plan will be 100% tax free(No capital gain) at maturity as per Section 10(10D).

Happy Investing!!

Ans: You should have disclosed this medical condition at the time it arose despite the fact that you did not raise any claim.

Any change in health status of the persons covered in the health care policy should be updated to insurer well in advance before the renewal immediately after change of health status. In the absence of this, the healthcare provider can refuse any further claim for the person whose health status has changed.

Do it now, assess their response and then decide about next steps.

Ans: Prashant, both are good. You can prefer DTU. All the BEST for Your Bright Future.

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Ans: Prefer VIT-P-CSE-DS. All the BEST for Your Bright Future.

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