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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on May 04, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Palak Question by Palak on May 03, 2023Hindi
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I am 22 year old girl and want to start investing in mutual funds. Is it advisable to start with a high NAV AMC.

Ans: Congrats for taking this step at this age. If you remain consistent, invest with a minimum 5 years’ horizon and do not get swayed by market fluctuations, you will create wealth the way you may not be able to think of right now.

Start with monthly SIP initially and if fine with you, make a 100% equity portfolio. I would recommend the allocation of following categories of funds for SIP for you, one fund per category (total 4 funds):-
1. Index Fund – 40%
2. Flexicap Fund – 20%
3. Large & Midcap Fund – 20%
4. Asset Allocator Fund – 20%

How to choose the fund? Go to any website like moneycontrol.com or valuresearchonline.com and simply choose a 5-Star fund, necessarily the best fund of the above categories. Then choose a direct investing platform and go ahead with investing.

High NAV is immaterial in mutual fund investing. It is no criteria to choose a MF.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Money
sir I am a new to investment. Can you advise me about Mutual funds how to start with low risks
Ans: To start with mutual funds with low risk, consider investing in debt funds or hybrid funds. Debt funds primarily invest in fixed-income securities like government bonds and corporate bonds, offering stability and lower risk compared to equity funds. Hybrid funds invest in a mix of equity and debt instruments, providing a balance between growth potential and risk.

Here are some steps to begin investing in mutual funds with low risk:

Determine your investment goals and risk tolerance: Understand your financial objectives, whether it's saving for retirement, education, or wealth accumulation, and assess how much risk you're comfortable with.

Research different types of mutual funds: Learn about debt funds, such as liquid funds, ultra-short duration funds, and income funds, as well as hybrid funds like balanced funds or conservative hybrid funds.

Choose a reputable fund house: Look for mutual fund companies with a solid track record, good fund management, and transparency in their operations.

Select suitable funds: Based on your risk tolerance and investment goals, choose mutual funds that align with your objectives. Read the fund's investment objective, strategy, past performance, and expense ratio before investing.

Start with SIPs: Consider investing through Systematic Investment Plans (SIPs), which allow you to invest a fixed amount regularly. SIPs help in rupee-cost averaging and reduce the impact of market volatility.

Monitor your investments: Keep track of your mutual fund investments regularly, review performance, and make adjustments if necessary. Stay informed about economic and market trends that may affect your investments.

Seek professional advice: If you're unsure about which funds to choose or how to allocate your investments, consider consulting a financial advisor who can provide personalized guidance based on your financial situation and goals.

Remember, while investing in mutual funds with low risk can provide stability to your portfolio, it's essential to diversify your investments and stay invested for the long term to achieve your financial objectives.

..Read more

Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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I am 38 years planning to invest mutual funds 50k monthly, advice?
Ans: Planning Your Mutual Fund Investment
Congratulations on deciding to invest Rs. 50,000 monthly in mutual funds! This disciplined approach will help you achieve your financial goals. Here’s a structured plan to maximise your returns and ensure financial security.

Understanding Your Financial Goals
First, let's identify your financial goals. Do you want to build a retirement corpus, fund your children's education, or purchase a home? Clarifying these goals will guide your investment strategy. At 38, you have time to grow your investments but must balance risk and return.

Diversifying Your Investments
Equity Mutual Funds
Equity mutual funds are ideal for long-term goals. They offer higher returns by investing in stocks. Consider diversifying across:

Large-Cap Funds: Invest in well-established companies for stability.
Mid-Cap Funds: Target growing companies for potentially higher returns.
Small-Cap Funds: Invest in emerging companies for aggressive growth.
Debt Mutual Funds
Debt funds are safer and provide steady returns. They invest in bonds and other debt instruments.

Short-Term Debt Funds: Suitable for goals within 3 years.
Long-Term Debt Funds: Suitable for goals beyond 3 years.
Hybrid Funds
Hybrid funds combine equity and debt investments. They balance risk and return, making them suitable for moderate risk tolerance.

Aggressive Hybrid Funds: Higher equity exposure for growth.
Conservative Hybrid Funds: Higher debt exposure for stability.
Systematic Investment Plan (SIP)
Investing Rs. 50,000 monthly through SIPs is a wise choice. SIPs offer several advantages:

Rupee Cost Averaging: Buying units at different prices averages out market volatility.
Disciplined Investment: Regular investments ensure financial discipline.
Power of Compounding: Long-term investments compound, significantly growing your wealth.
Choosing the Right Funds
Actively Managed Funds
Actively managed funds have professional fund managers who aim to outperform the market. They adjust the portfolio based on market conditions. This active approach can yield higher returns, especially in volatile markets.

Regular Plans vs. Direct Plans
Consider investing in regular plans through a Certified Financial Planner (CFP). A CFP provides:

Professional Advice: Tailored investment strategies.
Portfolio Management: Regular reviews and adjustments.
Risk Management: Balancing risk according to your profile.
Monitoring and Adjusting Your Portfolio
Regularly review your portfolio with your CFP. Adjust your investments based on:

Performance: Shift funds from underperforming to outperforming schemes.
Goals: Update your investment strategy as your goals evolve.
Market Conditions: Rebalance to align with changing market dynamics.
Risk Management
Diversification
Diversifying across various funds and asset classes reduces risk. It ensures that poor performance in one area doesn’t significantly impact your overall portfolio.

Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. It ensures liquidity for unforeseen circumstances, preventing the need to liquidate your investments.

Tax Efficiency
Mutual funds offer tax advantages:

Equity Funds: Long-term capital gains (held over one year) are taxed at 10% beyond Rs. 1 lakh per annum.
Debt hybrid Funds: Long-term capital gains (held over three years) are taxed at 20% with indexation benefits.
Avoiding Common Pitfalls
Over-Reliance on High-Risk Investments
Balance high-risk, high-reward investments with stable options to protect your capital.

Ignoring Inflation
Ensure your investments outpace inflation. Equity funds, despite short-term volatility, usually beat inflation over the long term.

Not Having a Clear Plan
Stick to a well-structured plan. Regular reviews and adjustments help stay aligned with your financial goals.

Conclusion
By investing Rs. 50,000 monthly in a diversified mix of mutual funds, you can achieve significant financial growth. A disciplined approach through SIPs, guided by a Certified Financial Planner, will ensure you meet your financial goals. Regular monitoring and adjustments will keep your portfolio on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8292 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Asked by Anonymous - Jun 02, 2024Hindi
Money
Hi, I'm at 25 years of age and currently earning 4lpa + upto 30K rent benifits and a mediacal insurance that covers myself only from my organization. I want to start investing in mutual funds. I'm able to save around 12-15K per month on avg. and considering moderate to high risk for investment portfolio. Please share some advise on this.
Ans: Investing in mutual funds is a smart choice for building wealth over time. Given your savings capacity of Rs. 12,000 to Rs. 15,000 per month and a willingness to take moderate to high risks, you are on the right path. I understand your financial goals and will provide detailed advice on how to proceed.

Understanding Your Financial Goals
Firstly, let's understand your financial goals clearly. These could include:

Building a retirement corpus
Saving for a down payment on a house
Funding children's education (if applicable in future)
Building an emergency fund
Identifying and prioritizing these goals will help you decide on the investment tenure and risk tolerance. Your willingness to take moderate to high risks suggests you have a long-term investment horizon.

Assessing Your Risk Appetite
Your risk appetite is crucial for selecting the right mutual funds. Moderate to high-risk investments can offer higher returns but also come with increased volatility. At 25 years of age, you have the advantage of time, allowing you to recover from potential short-term market fluctuations.

Diversification of Portfolio
Diversification is essential to mitigate risks. Here’s a breakdown of how you might allocate your investments across different types of mutual funds:

1. Equity Mutual Funds: These funds invest in stocks and are ideal for long-term goals. Given your risk tolerance, you could allocate 60-70% of your savings to equity mutual funds. They have the potential to offer higher returns compared to other types of funds.

2. Debt Mutual Funds: These funds invest in fixed-income securities and are less volatile than equity funds. Allocating 20-30% to debt funds will balance your portfolio and provide stability during market downturns.

3. Hybrid Funds: These funds invest in a mix of equity and debt. They are suitable for investors who want exposure to both asset classes with lower volatility than pure equity funds. You could allocate around 10-15% of your portfolio to hybrid funds.

Systematic Investment Plan (SIP)
A SIP allows you to invest a fixed amount regularly, usually monthly, into a mutual fund. This is an excellent strategy for salaried individuals like you. Here are some benefits of SIP:

Rupee Cost Averaging: By investing a fixed amount regularly, you buy more units when prices are low and fewer units when prices are high, averaging out the cost.

Disciplined Investing: SIP encourages regular saving and investing, which is crucial for building wealth over time.

Compounding: The power of compounding works best when you invest regularly and stay invested for the long term.

Selecting the Right Mutual Funds
When selecting mutual funds, consider the following factors:

1. Fund Performance: Look at the historical performance of the fund. Compare the returns with the benchmark and peer funds over 3, 5, and 10 years. While past performance doesn't guarantee future results, it provides insights into the fund manager’s effectiveness.

2. Fund Manager’s Track Record: A consistent and experienced fund manager can make a significant difference. Check the fund manager's track record and their tenure with the fund.

3. Expense Ratio: This is the annual fee charged by the fund. Lower expense ratios mean higher net returns for you.

4. Fund’s Portfolio: Analyze the fund’s portfolio to understand its holdings. A well-diversified portfolio reduces risks.

5. Asset Management Company (AMC) Reputation: Opt for funds from reputed AMCs with a strong track record of managing funds efficiently.

Actively Managed Funds vs. Index Funds
While index funds mimic the market index and have lower expense ratios, they might not always offer the best returns. Actively managed funds, where fund managers make decisions based on research and market conditions, can outperform the market, especially in volatile conditions. They offer:

Potential for Higher Returns: Skilled fund managers can identify and capitalize on market opportunities.
Flexibility: Fund managers can adjust the portfolio based on market changes.
Research and Analysis: Actively managed funds benefit from extensive research and market analysis, providing a strategic edge.
Direct Funds vs. Regular Funds
Direct funds have a lower expense ratio as they don’t involve intermediaries. However, investing through a Certified Financial Planner (CFP) can be beneficial. A CFP offers:

Expert Advice: CFPs provide tailored advice based on your financial goals and risk appetite.
Portfolio Management: They help manage and rebalance your portfolio to align with market conditions and goals.
Convenience: CFPs handle the administrative aspects, saving you time and effort.
Building an Emergency Fund
Before you start investing, ensure you have an emergency fund. This should cover 6-12 months of your living expenses. An emergency fund acts as a financial cushion during unforeseen circumstances like job loss or medical emergencies. You can park this money in a liquid fund or a savings account.

Tax Efficiency
Mutual funds offer tax benefits under Section 80C of the Income Tax Act through Equity Linked Savings Schemes (ELSS). ELSS funds have a lock-in period of three years and provide tax deductions up to Rs. 1.5 lakh. They also offer the dual benefit of tax saving and wealth creation.

Monitoring and Rebalancing Your Portfolio
Regularly monitoring your portfolio is crucial. Market conditions and your financial goals might change over time. Rebalancing ensures your portfolio remains aligned with your risk tolerance and investment objectives.

Long-Term Commitment
Mutual funds are ideal for long-term wealth creation. Stay committed to your investments despite market fluctuations. Market volatility is normal, and staying invested for the long term allows you to benefit from market upswings.

Conclusion
Investing in mutual funds is a wise decision given your savings capacity and risk appetite. By diversifying your portfolio, starting a SIP, and regularly monitoring your investments, you can achieve your financial goals. Remember to consult a Certified Financial Planner to tailor your investment strategy to your specific needs.

Investing is a journey, and with disciplined and informed decisions, you can build substantial wealth over time. You're on the right track, and with the right strategies, you will achieve your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Nayagam P

Nayagam P P  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
Jee main 2025,my son got 95.2%tile,71104 rank ,ews rank 10111,home state punjab ,can he get cse,ece,data science,it, branch in any nit,iiit,gftis or which branches he will get in these institutes .
Ans: Varinder Sir, Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4465 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
My son got 93.4 percentile jee main . He got eee bit mesra and cse in srm ktr which prospect is better?
Ans: Sharmistha Madam, prefer BIT-M-EEE. Explore more options for your daughter as back-ups by knowing the JoSAA Counselling Opening & Closing Ranks of last year. Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'

Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories both Home State (HS) i.e. State you belong to & also Other State (OS).
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in, separately for HS & OS Categories for a quick reference.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.

Follow this approach for Other State candidates and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, preparation strategies, and engineering career options, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Prof Suvasish

Prof Suvasish Mukhopadhyay  |598 Answers  |Ask -

Career Counsellor - Answered on Apr 27, 2025

Career
I have already appeared for the JEE Main and secured a 95.15 percentile, which is close to the previous year's cut-off. My query is whether it is possible to select both options JEE and NFATso that if I do not qualify through my JEE score, my application can be considered based on my NFAT score instead. If selecting both options is permissible, could you please guide me on how to do so while filling out the application form? Your assistance on this matter would be greatly appreciated.
Ans: No, candidates cannot apply using both JEE Main and NAFT scores for the same admissions. JEE Main scores are used for admissions to engineering programs at NITs, IIITs, and other participating institutions, while NAFT scores are used for admissions to NAFT-affiliated universities. These are distinct admission processes, and only one set of scores can be used.

...Read more

Radheshyam

Radheshyam Zanwar  |1575 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Apr 27, 2025

Career
hello sir, so i was a neet aspirant gave neet 2 times but did not get qualified...i was doing bsc in biology simultaneously..but the problem is i am not a regular student...all i did was give exams for bsc....now i don't know what to do....i have a thought of going for ssc cgl and then preparing for upsc if i land a job through ssc....but it would be tough to make a transition from neet ssc cgl...but im adamant to do it...please share your thoughts regarding my situation?
Ans: Hello Divyanshi.
Here is a pointwise reply to your current situation: (1) If possible, consider dropping the idea of NEET as you have tried twice but didn't succeed, (2) Focus on your B.Sc. and aim to become a regular student to achieve a high percentile in the exam. B.Sc. Biology has wide applications in both industries and academia. (3) There is no point in joining a job based on SSC as it would likely create further frustration for you. (4) Along with your B.Sc., consider learning some industry-based and computer courses if you are interested. (5) If you have a computer and a Wi-Fi connection at home, you can access many free online courses on the Coursera website. (6) You can also try for public service commission examinations while preparing for your B.Sc. (7) Recognize your strengths and the knowledge you possess, and focus your job search in that sector/area for a successful career. In this modern era, it is not difficult to find a job if someone is an expert in their field.
Follow me if you like the reply. Thanks
Radheshyam

...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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