Am I investing correctly at 32? - Central Govt. employee with 11,500 INR in mutual funds

Ans: start by having a direct and open conversation with your prospective partner. It’s crucial to clearly communicate your feelings about the elder child staying at home, especially regarding the need for privacy and the impact of his aggressive behavior. Explain how this change affects your comfort and daily life, emphasizing the importance of maintaining a harmonious living environment.

In tackling the privacy issue, consider discussing potential adjustments to the home’s layout. Creating separate living spaces or setting up rules that establish personal boundaries can help ensure everyone feels comfortable. Developing a routine that allows for private time with your daughter will also be essential in maintaining a balance.

Regarding the transition to a small town, research the local job market thoroughly. Look for opportunities that align with your career goals and consider remote work options if they’re available. It’s also important to engage with the local community to build a support network. Attend community events, meet potential neighbors, and get a feel for the town’s environment. Having a backup plan, such as maintaining connections in your current city or setting aside a financial cushion, will give you added security should the move not work out as expected.

Blending families is a significant emotional and practical challenge, so consider family counseling as a way to address potential conflicts and improve communication. A counselor can provide valuable strategies to help everyone adjust to the new living arrangements and understand each other’s perspectives. To ease into this change, propose a trial period where you can test the dynamics without committing long-term right away. This will give you the opportunity to evaluate how well you and your daughter adapt to the new situation.

Lastly, it’s essential to address your fear of being alone. Reframe this fear by focusing on the positives of independence. Remind yourself that it’s better to be single and emotionally secure than in a relationship that feels overwhelming or stifling. Use this time to invest in personal growth, hobbies, and building a fulfilling life for you and your daughter. Keeping an open mind about future relationships is healthy, but it’s important to ensure any new partnership aligns with your values and meets your emotional needs.

By taking these steps, you can approach the situation with clarity, ensuring that any decision you make is grounded in what’s best for your well-being and that of your daughter.

Ans: Hello
The condition you describe is rather common and usually linked to poor oral hygiene. Mobility of teeth and exposure of the roots is caused by abnormal recession of gums and simultaneous bone loss.
Please consult a Periodontist (a dentist who has specialised in treatment of diseases of the gums and jawbone). Provided the condition is not severe, it may be possible to save her teeth with periodontal surgery which may involve placement of bone grafting material or bone substitutes.

Ans: The Pradhan Mantri Scholarship for Pharmacy Post Graduate Studies (GPAT) allows successful candidates to receive a stipend through Canara Bank. To access this scholarship, candidates must contact the institution where they are pursuing their postgraduate studies in pharmacy.

If the candidate has not yet CONTACTED the institution, she should contact her principal to facilitate this process, with the Pharmacy Council of India (PCI). If she has already submitted her request, she can expect to receive the stipend soon (according to PCI's circular). The funds will be directly credited to the candidate's bank account.

Please note that my student, who is pursuing a PG in Pharmacy, is receiving a stipend and has completed the GPAT in the year 2023.

For reference, the Pharmacy Council of India has released relevant circulars. For more details, please visit the PCI website. Additionally, videos related to the GPAT scholarship for 2023 are available on YouTube.

If you need any additional information, please feel free to ask your question.

Ans: HI,
She should consider taking PCMB in her +2 because it offers numerous options for higher education after completing the course. Without the need for NEET, she can pursue the following courses:

- Bachelor of Naturopathy and Yogic Sciences (BNYS)
- Nursing (except for those at Central B.Sc. Nursing institutes REQUIRE A NEET SCORE FOR ADMISSION)
- Pharmacy
- Medical Lab Technology (MLT)
- Physiotherapy

ALL THE BEST.

Ans: Hi Mayuri,

Is your name the same as it appears on your birth certificate? Your name has been registered according to your birth certificate for the 10th class. Therefore, the birth certificate is the primary document registered with the local municipality or corporation. When you change your name on your Aadhaar card, they will require proof, so please attach your birth certificate when making the change.

Ans: It will depend on type of course and college. So, pl specify college and course.

Ans: If you are interested in that field then yes it is a good decision. To check your interest you can do some short course online.

Ans: Hello;

Current expenses of 65 K will reach a level of around 1.35 L in 15 years from now when you reach 50 age.

Even if you put entire 65 K in pure equity mutual funds for 15 years it looks tough to generate fixed monthly income good enough to cover your expenses fully at that time.

Hence my suggestion is you get into semi-retirement after 50 and continue some vocation or profession of your choice to also keep you occupied and generate some income for the next 10 years.

However I propose that you start a monthly sip into a combination of pure equity mutual funds for 45 K for
the next 15 years. (10 K each in flexicap, multi cap and large & midcap fund and 5 K in small cap)

This may yield you a corpus of around 2.27 Cr assuming modest return of 12%. This may provide you a post tax monthly income of around 96 K. You need to suppliment this through your alternate vocation.

Also start a monthly investment of 20 K into NPS with the intent to continue it till 60 age. At 60 this may grow into a corpus of around 3.8 Cr considering modest return of 8%.

The combined corpus of 6.07 Cr may yield you a monthly income of around 2.2 L post tax which is in line with your inflation adjusted expenses for 25 years.

Happy Investing;
X: @mars_invest

Ans: Let him go for M.Tech through GATE and regarding institutes search in net, Regards. Professor...........................:)