I am 32 years old and started investing in SIP from the year 2022 onwards. I am investing 36000 per month but there are too many funds and want to reduce it to a minimum number of funds. I am planning to create a corpus of around 5 crore at the end through this and invest for the next 20 years. Please suggest what changes/mergers I should make. Also do I need to increase the SIP amount to reach this goal? 

1. Parag Parikh Flexi Cap - 5000

2. Axis Growth Opportunities - 2000

3. Axis Triple Advantage - 3000

4. Mirae Asset Emerging Bluechip - 2000

5. Sundaram Equity Savings - 1000

6. SBI Small Cap - 5000

7. SBI Focused Equity - 2000

8. Canara Robeco Emerging Equities - 5000

9. PGIM India Midcap Opportunities - 200

10. DSP Quant Fund - 2500

11. DSP Focus Growth - 2500

12. HDFC Nifty 100 Equal Weight Index Fund - 2000

13. HDFC Tax Saver – 2000

Ans: HI PINKII,
Bit difficult.

Ans: HI,
Try for core CSE. Later, you can pursue cybersecurity and ML as an online or part-time course to increase your employability.
BEST WISHES.

Ans: NIT Jamshedpur’s Mechanical Engineering is delivered by an NBA- and NAAC-accredited department within an NIRF-ranked (101–150) Institution of National Importance, supported by 115 UG seats, over 25 specialized labs (thermal, CAD/CAM, robotics) and PhD-qualified faculty. Its placement cell achieved a 91.50% placement rate for Mechanical Engineering in 2024, attracting recruiters across core and automotive sectors. BIT Mesra’s Electronics & Communication Engineering, part of a NAAC-accredited, NBA-tier institute, offers modern signal-processing, VLSI and embedded-systems labs and industry collaborations but recorded a 60% placement rate for ECE in 2024 with top recruiters like TCS and Accenture.

Recommendation:
Opt for NIT Jamshedpur Mechanical Engineering for its higher placement consistency, superior accreditation status and extensive core-engineering labs, ensuring robust industry alignment and national recognition over BIT Mesra’s ECE offering. All the BEST for Admission & a Prosperous Future!

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Ans: HI Sir,
Is it for IIT? Kindly clarify.

Ans: With a BC-community score of 185.5 and a rank of 12 600 in TNEA counselling, you have a promising prospect of admission into these reputed Tamil Nadu engineering colleges. All are AICTE-approved, NBA/NAAC-accredited, equipped with modern labs, experienced faculty, active industry partnerships and placement cells recording 75–85% consistency over the last three years. SSN College of Engineering, Kalavakkam – Computer Science and Engineering. Rajalakshmi Engineering College, Kanchipuram – Computer Science and Engineering. R.M.K. Engineering College, Thiruvallur – Computer Science and Engineering. Loyola-ICAM College of Engineering and Technology, Chennai – Computer Science and Engineering. Sri Krishna College of Engineering & Technology, Coimbatore – Computer Science and Engineering. Kumaraguru College of Technology, Coimbatore – Computer Science and Engineering. A.C. College of Engineering and Technology, Karaikudi – Computer Science and Engineering. Government College of Engineering, Salem – Computer Science and Engineering. Thiagarajar College of Engineering, Madurai – Computer Science and Engineering. Sri Sivasubramaniya Nadar College of Engineering, Kalavakkam – Computer Science and Engineering. SSN’s BC cutoff for CSE closed at rank 16 970 in the last round, so your rank of 12 600 falls well within the eligible range for admission. Cybersecurity remains a high-growth domain in India, with roles like Security Architect, Ethical Hacker and Cybersecurity Engineer expanding at over 18% CAGR and projected talent shortages of up to 1.8 million specialists by 2025, underscoring strong long-term career and placement prospects in specialized labs and certification-driven pathways.

Recommendation:
Join SRM KTR’s CSE–Cybersecurity stream for its specialized labs, IBM/CEH partnerships and 83–95% placement rates if you prioritise a high-growth domain. Alternatively, choose SSN Chennai or Rajalakshmi Engineering College for balanced CSE programmes with proven TNEA cutoffs, robust infrastructure and stable recruiter engagement. All the BEST for Admission & a Prosperous Future!

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Ans: Unless you are inclined towards International Business, Symbiosis would be a preferred option. It will also depend on which Symbiosis college you have got admission in.

Ans: Venu, With a COMEDK UGET rank of 61,280 in the General category, these fifteen AICTE-approved, NBA/NAAC-accredited Karnataka institutes offer strong chances for admission to B.Tech Computer Science and Engineering. All feature modern computing labs, experienced faculty, robust academic support, and placement cells with 70–85% consistency over the last three years.

Bengaluru: Acharya Institute of Technology (Soladevanahalli), East West Institute of Technology (Magadi Road), AMC Engineering College (Bannerghatta Road), SJB Institute of Technology (Kengeri), T John Institute of Technology (Banashankari), Dayananda Sagar University (Nagawara), Garden City University (Bengaluru North).
Nearby/Other Cities: SJC Institute of Technology (Chikkaballapur), Coorg Institute of Technology (Madikeri), Channabasaveshwara Institute of Technology (Tumkur), Angadi Institute of Technology and Management (Belagavi), KLE College of Engineering and Technology (Belagavi), Ballari Institute of Technology and Management (Ballari), Vidyavardhaka College of Engineering (Mysuru), Maharaja Institute of Technology (Mandya).

Recommendation:
Acharya Institute of Technology stands out for its central location, quality computing labs, and 80% CSE placement record. SJB Institute of Technology offers an ABET-aligned curriculum and consistent placements. T John Institute of Technology adds value with strong recruiter engagement and modern infrastructure. Dayananda Sagar University combines active coding culture with solid placement outcomes. Channabasaveshwara Institute of Technology provides well-equipped digital labs and steady placement support, making it a reliable choice within your rank range.

Ans: Starting a career looks a tall order at this age especially since you have 10 year gap. But can try and do short term course in the area you want to pursue your career. But would recommend to talk to placement agency or any company specializing in that area to see if they would be willing to take you post the course.

Ans: Both are decent. Can choose based on factors like location, etc.