I am 35 now. Need to invest for my 1-year-old son's future. Have been Investing in the following SIP ( all direct plans with Rs 3000 each) 1.Parag Parikh Flexi Cap Dir-G (since Mar 2023) 2.SBI Bluechip Dir-G (since Mar 2022) 3. ICICI Prudential Balanced Advantage Fund (since Mar 2022) Apart from this I regularly invest in PPF (50K per year) and ELSS (50k per year) 1. Are these funds ok? 2. Should I invest in any other SIPs? 3. Will this be enough?

Ans: Hello;

You may invest 25% each in a Multicap, Flexicap, Large & Midcap, and Large cap type mutual funds.

You may select any fund from the top quartile of these categories.

If you are 50 or above in age, replace multicap and large cap with balanced advantage and muti asset allocation type mutual funds.

Happy Investing;

Ans: Hello;

Long-term (10 yr+) mutual funds should be a combination of flexicap, multicap, large & midcap and large cap or ELSS type mutual fund.

You may select any fund from the top quartile of these categories.

Happy Investing;
X: @mars_invest

Ans: Hello Ssayantan.
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If you like the reply, pl follow and like me.
Radheshyam

Ans: Hello Human
Why do you think in the negative direction without any reason? If you do study well you can score well in mathematics. Think positive. Please doesn't work in permutation combination theory right now. Just focus on the examination. If the worst situation arises, then please get in touch with us again. We will be glad to help you at that time. (There will be no effect on your PCB exam marks.)
Best of luck with the upcoming examination.

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Radheshyam

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Ans: Hello;

What is your monthly contribution to EPF, NPS and MFs?

Please clarify so as to advise you suitably.

Thanks;

Ans: Hello;

You may begin by investing 1000 Rs. in a recurring deposit (RD) for 3 years with a public sector bank or big private bank.

Happy Investing;

Ans: Shreya, I trust that you have already enrolled in a coaching center, whether it be online or in person, and have finished your eleventh syllabus. (1) If you have not yet created your own short-notes for the 11th syllabus that has been completed, prepare it and continue to revise them every three days until 2026, even after you have commenced studying the 12th syllabus in December 2024. (2) Review the questions that you have incorrectly answered or skipped in mock tests conducted by your Coaching Center and/or practiced independently. (3) In order to increase your rank/percentile by targeting computer science at a reputable college/institute, prioritize mathematics (although all three subjects are equally important). (4) You should be thorough with NCERT books, particularly those pertaining to chemistry, in conjunction with the materials provided by your coaching institute. (5) Have 1-2 reference books for each subject. Not exceeding two. (6) Review the questions that were incorrectly answered or skipped in your mock and practice exams and retake the test. It is advisable to maintain a distinct note-book for these types of questions, which should include answers and elucidating notes, in order to review them repeatedly for all three subjects. (7) Download the SYLLABUS of JEE Main 2025 (available on Google by searching for "JEE Main Information Bulletin") and print it out, as there will be no significant changes to the syllabus in 2026. Maintain it on your study table and continue to update the 11th syllabus chapters and concepts that you have covered to date by marking them with a checkmark. This will boost your confidence if you continue to update the same till November 2025. (8) A slight difference in Syllabus might be visible when you acquire the 2026 JEE Main / JEE Advanced Syllabus. The same can be resolved within 15 days to one month in 2025-26. (9) Increase your productivity by studying for 45 minutes to 1 hour, taking a 10-minute break, and then continuing for 45 minutes. (10) Take a 2-3 minute break every 45 minutes while practicing questions, whether offline or online. This break should consist of closing your eyes and taking long breaths to enhance your concentration and mental capacity. (11) Additionally, it is recommended that you acquire the 20-40 PREVIOUS years question paper book of JEE (Main & Advanced) from Amazon. Arihant's, Disha's, or MTG's publications are recommended. Once you have finished reading a chapter, practice and complete it to determine the extent to which you have comprehended the concepts and to identify areas that require improvement. (12) By October 2025, ensure that you have reviewed significantly more than 90% of the previous years questions. Your confidence will be further bolstered by this. (13) After the mock test is completed at your coaching center, clarify all incorrectly answered or ignored questions and continue to revise and practice them, as these types of questions will significantly disrupt your performance in the actual JEE. (14) If you are a regular school student, inquire with your class teacher about the minimum attendance requirement as outlined in the Board's regulations (State, CBSE, ICSE, etc.). Utilize the remaining 15% by taking time off and preparing for your JEE, if only 85% attendance is required. (15) THE MOST IMPORTANT Value Added Suggestion: Rather than solely relying on JEE, please participate in 5-7 entrance exams/counseling process with a JEE score for getting admission into any one of the private engineering colleges to have a variety of options to select the most suitable one. All the BEST for Your Prosperous Future.

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