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35, Single, Earning 10 LPA - Can I Retire at 50 with 5 Crore?

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 04, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Feb 04, 2025Hindi
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I am 35, single, earning Rs 10 LPA with no loans or liabilities. I have savings of Rs 15 lakh. I want to retire at 50 with a corpus of Rs 5 crore. How can I plan my investment? Possible?

Ans: Your goal is ambitious but achievable. You have a stable income and good savings. With the right investment plan, you can build wealth.

Understanding Your Current Financial Position
You earn Rs. 10 lakh per year. This gives good savings potential.

You have Rs. 15 lakh in savings. This is a strong base to start.

You have no loans or liabilities. This gives flexibility in investing.

You want Rs. 5 crore in 15 years. This needs disciplined planning.

A structured investment strategy will help you achieve this.

How Much Should You Invest?
You need to invest aggressively for wealth creation.

A mix of equity and debt investments will help balance risk.

Invest a large portion in equity for long-term growth.

Increase investments every year as your income rises.

Review your portfolio regularly to stay on track.

Building an Investment Portfolio
Actively managed mutual funds can generate higher returns.

A mix of large-cap, mid-cap, and small-cap funds is ideal.

Equity mutual funds should form a major part of your portfolio.

Debt investments can provide stability in the long run.

Avoid index funds, as they lack flexibility and active management.

Role of Savings and Emergency Fund
Keep at least six months of expenses in an emergency fund.

This fund should be in liquid investments for easy access.

Do not use retirement investments for short-term needs.

Maintain a separate health fund for medical emergencies.

Retirement Planning Considerations
Inflation will increase expenses in retirement. Plan accordingly.

You need a withdrawal strategy for a stable income after 50.

Medical costs will rise. Health insurance is essential.

Continue investing even after retirement for wealth preservation.

Insurance and Risk Management
A term life insurance policy is necessary if you have dependents.

Health insurance is critical for financial security.

Avoid investment-cum-insurance plans as they have low returns.

Separate insurance and investment for better financial growth.

Finally
Your goal is achievable with disciplined investments.

Equity investments should be the core of your portfolio.

Increase SIP amounts as your income grows.

Keep reviewing and adjusting your strategy regularly.

A well-planned approach will help you retire comfortably at 50.

Stay focused and committed to your financial plan.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 27, 2024

Asked by Anonymous - May 19, 2024Hindi
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Currently I am 32 - unmarried, not having much savings, getting a salary of around 1.5 lakhs pm. I have a total 15 lakh invested in nps, ppf, lic, pf and my sip How can I invest to retire at 50 with sufficient money and having life expectation of 75
Ans: You're 32, earning a healthy Rs 1.5 lakhs monthly. Investments of Rs 15 lakhs in NPS, PPF, PF, and SIPs reflect a commendable financial strategy.

Setting Retirement Goals
Your aim to retire at 50 with enough funds until 75 demands a clear plan. Determining required savings now is crucial for a comfortable retirement.

Importance of a Retirement Corpus
A substantial retirement corpus is vital. It must cover living expenses, healthcare, and other needs for 25 years post-retirement.

Role of Existing Investments
NPS, PPF, and PF are solid. However, considering surrendering LIC due to poor returns might optimize your portfolio.

Boosting Your SIP Contributions
SIPs in mutual funds can significantly bolster your retirement fund. Actively managed funds offer adaptability, potentially yielding better returns than passive options.

Advantages of Mutual Funds Over LIC
Mutual funds generally outperform LIC in returns. Actively managed funds provide flexibility and higher growth potential.

Diversifying Your Portfolio
Diversification mitigates risk and enhances returns. A mix of equity and debt funds offers growth and stability, a strategy to consider.

Systematic Investment Plans (SIPs)
Regular contributions via SIPs capitalize on rupee cost averaging and compounding, amplifying long-term wealth accumulation.

Emergency Fund Importance
Maintaining an emergency fund safeguards against unforeseen expenses, preventing the need to disturb investments during crises.

Tax Planning
Efficient tax planning optimizes returns. Redirecting LIC surrender proceeds into mutual funds can offer tax benefits and better growth potential.

Reviewing and Rebalancing
Regular portfolio reviews ensure alignment with goals. Rebalancing periodically maintains optimal asset allocation for enhanced returns.

Seeking Professional Guidance
Consulting a Certified Financial Planner ensures a tailored financial plan, optimizing your investments for long-term goals.

Building a Retirement Corpus
Combining equity and debt investments facilitates a comfortable retirement. Discipline and consistency in investing are pivotal for corpus accumulation.

Avoiding Common Pitfalls
Staying disciplined and focused prevents impulsive financial decisions. Consistent investing amid market fluctuations ensures steady growth.

Conclusion
Optimizing your investments for retirement involves reviewing and adjusting your portfolio. Consider surrendering LIC for better returns through mutual funds and consult a Certified Financial Planner for personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

Money
Hi I am 35 years old. My in hand salary is 3 lacs. I have 26 lacs in epf, 24 lacs in equity, 1.1 lacs in gold soverign bond. I have one flat worth 1.2cr with 30 lacs as loan . My monthly expense is 70k . My wife is home maker and i have 2 children(girl 9 years old, boy 4 years old) I want to retire after 5 years . After that i need atleast 1.2 lacs per month in hand. How should i plan my investment
Ans: It’s great to hear from you. You’ve done well with your savings and investments. Let's plan your investment strategy so you can retire comfortably in five years and ensure you have at least Rs. 1.2 lakhs per month in hand post-retirement.

Current Financial Snapshot
Age and Family: You are 35 years old, with a homemaker wife and two children (9-year-old daughter, 4-year-old son).

Income and Expenses: Your in-hand salary is Rs. 3 lakhs per month, and your monthly expenses are Rs. 70,000.

Investments and Assets:

EPF: Rs. 26 lakhs
Equity: Rs. 24 lakhs
Gold Sovereign Bonds: Rs. 1.1 lakhs
Flat worth Rs. 1.2 crores (with a Rs. 30 lakhs loan)
Retirement Goals
Retirement Age: 40 years
Monthly Income Post-Retirement: Rs. 1.2 lakhs in hand
Investment Strategy for Retirement Planning
Assessing Your Current Situation
You have a strong base with your current savings and investments. Let’s break it down:

EPF: A good foundation for your retirement savings.

Equity: This is your growth engine and needs to be managed well for maximum returns.

Gold Sovereign Bonds: These are good for diversification and stability.

Flat: A significant asset, but with an outstanding loan, the net value is lower.

Your immediate goal is to ensure you have enough income post-retirement. Here's a detailed plan:

1. Enhance Your Equity Investments
Equity investments are crucial for long-term growth. Since you have Rs. 24 lakhs in equity, ensure it's diversified across various sectors and market caps (large-cap, mid-cap, small-cap).

Benefits of Actively Managed Funds:

Professional Management: Fund managers actively monitor and adjust the portfolio.
Potential for Higher Returns: They aim to outperform benchmarks.
Risk Management: They adjust portfolios to mitigate risks during market volatility.
Action Points:

Increase your monthly SIPs in equity mutual funds. Aim for a mix of large-cap for stability, and mid-cap and small-cap for growth.
Review and rebalance your portfolio annually to ensure it aligns with your goals.
2. Maximize Your EPF Contributions
EPF is a safe and tax-efficient retirement saving option. Keep contributing to it regularly.

Action Points:

Continue your EPF contributions till you retire.
Consider voluntary contributions (VPF) if possible to increase your retirement corpus.
3. Diversify with Debt Instruments
Diversification is essential. While equity offers growth, debt instruments provide stability.

Debt Instruments Include:

Corporate Bonds: Offer higher returns than fixed deposits but with some risk.
Debt Mutual Funds: Provide stable returns with lower risk compared to equities.
Government Bonds: Safe but with moderate returns.
Action Points:

Allocate a portion of your savings to debt instruments for stability.
Consider debt mutual funds for a balanced portfolio.
4. Utilize Gold Sovereign Bonds
Gold bonds provide a hedge against inflation and are a good diversification tool.

Action Points:

Hold onto your gold sovereign bonds for diversification.
Consider adding more during dips in gold prices for long-term holding.
5. Manage Your Real Estate Investment
Your flat is a significant asset. Reducing the outstanding loan can increase your net worth.

Action Points:

Accelerate loan repayment if possible. It reduces interest outflow and increases net savings.
Consider the rental income post-retirement if you decide to let out the property.
6. Emergency Fund and Insurance
An emergency fund is crucial to cover unexpected expenses. Adequate insurance protects against unforeseen events.

Action Points:

Maintain an emergency fund covering 6-12 months of expenses in a liquid fund.
Ensure your health and life insurance covers are adequate.
7. Education and Marriage Planning for Children
Planning for your children’s education and marriage is essential.

Action Points:

Start dedicated SIPs in mutual funds for their education and marriage expenses.
Consider child-specific investment plans for long-term savings.
Creating a Retirement Corpus
To generate Rs. 1.2 lakhs per month post-retirement, you need a substantial retirement corpus. Here’s how to approach it:

Estimate Your Retirement Corpus
Calculate the amount needed for 25-30 years post-retirement considering inflation.
Aim for a corpus that generates Rs. 1.2 lakhs per month through systematic withdrawals or interest/dividends.
Investment Vehicles for Retirement Corpus
Equity Mutual Funds:

Continue and increase SIPs for growth.
Choose a mix of large-cap, mid-cap, and small-cap funds for diversification.
Debt Mutual Funds:

Invest in debt funds for stability and regular income.
Consider a mix of short-term, medium-term, and long-term debt funds.
Hybrid Funds:

Invest in balanced or hybrid funds that combine equity and debt.
These offer a good mix of growth and stability.
Fixed Income Instruments:

Invest in instruments like PPF, EPF, and government bonds for assured returns.
Withdrawal Strategy Post-Retirement
Systematic Withdrawal Plan (SWP):

Use SWPs in mutual funds for regular income.
Plan withdrawals to meet your monthly needs without depleting the corpus quickly.
Dividends and Interest Income:

Use dividends from mutual funds and interest from fixed income investments.
Ensure a mix of growth and income-generating assets.
Regular Monitoring and Rebalancing
Annual Review:

Regularly review your investment portfolio.
Make adjustments based on market conditions and life changes.
Rebalance Portfolio:

Rebalance your portfolio to maintain the desired asset allocation.
Shift from high-risk to low-risk investments as you approach retirement.
Final Insights
You've built a strong financial foundation. With careful planning and disciplined investing, you can achieve your retirement goal comfortably.

Focus on maximizing your current investments in equity, EPF, and gold. Diversify with debt instruments for stability and maintain a balanced portfolio.

Plan for your children's future needs and ensure you have adequate insurance coverage. Regularly review and adjust your investment strategy to stay on track.

With dedication and strategic planning, you can secure a prosperous retirement and enjoy financial freedom.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Hi ... I am a 48 year old male and need some specific financial advice on my finances. Here is a detailed breakup of my income, assets and liabilities Income from Salary : 4.6L per month after taxes Assets & Investments : Apartment - 4 crore at current value Savings & Equity - 35L SIP - 40L corpus (75K per month being invested) EPF & VPF - 60L (I contribute around 15K every month to VPF) Liabilities : Home Loan : 1.1 Crore (Tenure remaining 9 yrs) Other Loans : 45L (Tenure remaining 5 yrs) Monthly household Exp : 2.2L Insurance : Health Insurance Coverage : 25L (Company provides 5L and I have upgraded to 25L) Life Insurance : 1cr for wife & 6cr for self Future Milestones : Retirement Son's Education & Marriage (Currently 17 yrs old) I don't think I have enough savings and assets to head to a comfortable retirement and this gives me sleepless nights. Can you please help by providing a detailed plan of where I should invest more and by how much? Please note that I don't have much room to save more given my expenses. Thank you.
Ans: You're in a solid financial position but carrying a heavy loan burden, which is affecting your retirement confidence. Here’s how you can optimize your finances:

Debt Management
Prioritize clearing your Rs 45L loan in the next 3-5 years.
Try prepaying Rs 5-10L annually from bonuses, RSUs, or other windfalls.
Keep your home loan for tax benefits, but consider refinancing if a lower rate is available.
Investment Strategy
Your SIPs are strong; continue the Rs 75K/month allocation.
Increase your equity exposure post-loan repayment for better growth.
Review your portfolio to balance large caps, mid-small caps, and debt.
Retirement Planning
At 48, you should aim for Rs 12-15 crore by 60.
Your current investments will compound, but increasing contributions post-loan repayment is key.
Consider a mix of mutual funds, PPF, and NPS for tax efficiency.
Son’s Education & Marriage
With 1-2 years left, ensure Rs 40-50L liquidity for college fees.
If not done yet, set aside a lump sum in debt mutual funds or a fixed deposit.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

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Dear Sir, I took a loan of Rs. 44 lakhs @ 8.70% floating with 216 EMIs in August 2019 from HDFC Housing. Till recent, i'm not aware that the rate of interest being applied is 10.5% and still it is shown as 213 EMIs balance to be remitted as on 18.02.2025, despite no pending or late payments at my end. Please advise what to be done sir!
Ans: Your situation is a classic case of interest rate hikes affecting floating-rate home loans. Since you took the loan in August 2019 at 8.70%, and now the rate has increased to 10.5%, your EMI is going more towards interest rather than the principal. That's why your loan tenure has barely reduced.

Immediate Steps to Take
1. Contact HDFC Housing Immediately
Visit or call your bank and ask for a detailed loan amortization statement.
Get clarity on why the tenure is not reducing despite timely payments.
Request a break-up of the outstanding loan amount and revised interest calculations.
2. Ask for an Interest Rate Reduction
HDFC allows you to reduce your floating rate by paying a nominal fee (loan conversion charge).
Check the current floating home loan rates for existing borrowers and ask them to apply the lowest possible rate.
If HDFC refuses, ask about switching to a better scheme within HDFC itself.
3. Consider Balance Transfer to Another Bank
If HDFC does not reduce your interest rate significantly, you can transfer your home loan to another bank with lower rates.

Banks like SBI, ICICI, and Axis Bank may offer interest rates below 9% for a balance transfer.
Check with a few banks and negotiate for the lowest possible interest rate.
Ensure that the processing fee and other charges do not offset the savings from lower interest.
4. Prepay a Part of Your Loan (If Possible)
If you have some savings, prepay at least 5-10% of the loan principal.
This will reduce your interest burden and EMI tenure.
Ensure that prepayment charges (if any) are minimal or waived.
5. Monitor Your Loan Regularly
Floating-rate loans fluctuate based on RBI policy changes.
Check your home loan rate every 6 months to avoid sudden increases.
Opt for automatic rate conversion with HDFC, if available.
Final Insights
You should first try to reduce your rate with HDFC.
If they do not offer a better rate, go for a balance transfer.
If you have surplus funds, consider prepayment to reduce your tenure faster.
Always monitor your home loan rate every 6 months to avoid overpaying.
Would you like help in evaluating a balance transfer option with a different bank?

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Money
Hello Team, Please advice from the below stocks which are not good from long term perspective of 3-5yrs with reasons: 1.Bajaj Housing Finance 2.BEL 3.Coal India 4.Dixon 5.Deepak Nitrite 6.Escorts 7.First Source Solution 8.Gareware Fiber Textile 9.Greaves Cotton 10.IRCTC 11.JK Paper 12.Maruti 13.Mazgon Dockyard 14.RVNL 15.Pidilite 16.Trent 17.Titan 18.Zen Technologies Regards, Amarendra
Ans: Your stock portfolio consists of companies from various sectors, including finance, defense, auto, infrastructure, and manufacturing. While some of these stocks have strong long-term potential, a few may face challenges over the next 3-5 years. Below is an analysis of stocks that may not be the best fit for long-term holding.

Stocks to Reconsider for Long-Term Investment (3-5 Years)
1. Bajaj Housing Finance
Housing finance companies are highly dependent on interest rate cycles.
RBI rate hikes can impact lending growth.
Competition from banks and fintech players is increasing.
2. Coal India
Coal demand may decline due to a global shift towards renewable energy.
Government regulations on carbon emissions could impact future growth.
The company has strong dividends, but capital appreciation may be limited.
3. Greaves Cotton
Faces stiff competition in the electric vehicle (EV) and auto component space.
EV transition is challenging for traditional engine manufacturers.
Growth prospects depend on EV adoption, which is uncertain.
4. First Source Solutions
IT services firms face margin pressure due to automation and AI.
The company lacks strong global scalability compared to bigger IT players.
Growth in the BPM (Business Process Management) industry is slowing down.
5. IRCTC
Revenue depends heavily on Indian Railways policies.
Any policy change by the government can impact profitability.
Stock is overvalued with limited growth potential.
6. RVNL (Rail Vikas Nigam Limited)
PSU infrastructure stocks depend on government projects.
Execution risks and delays affect revenue growth.
Limited innovation and scalability compared to private players.
Stocks with Strong Long-Term Potential
The remaining stocks in your portfolio have strong fundamentals and long-term growth potential. However, active management is necessary to ensure continued performance.

Switch to Active Mutual Funds for Better Growth
Managing an individual stock portfolio requires constant tracking, analysis, and decision-making. Instead of investing in individual stocks, switching to actively managed mutual funds can offer several benefits:

? Professional Management – Fund managers actively monitor and adjust holdings.
? Diversification – Reduces risk by investing in multiple sectors.
? Consistent Returns – Actively managed funds can outperform the market over time.
? Tax Efficiency – Mutual funds offer better tax advantages compared to stocks.

You can invest in large-cap, mid-cap, and flexi-cap mutual funds based on your risk appetite. Consider consulting a Certified Financial Planner (CFP) for personalized investment advice.

Would you like a detailed mutual fund recommendation based on your goals?

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8005 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi
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Hello Ramalingam, Could you provide your feedback on my active SIPs? Axis Bluechip Fund Direct Plan Growth - 5k DSP Global Innovation FoF Direct Growth - 10k ICICI Prudential Tech Direct Growth - 8k Axis Small Cap Fund Direct Growth - 10k Mirae Asset Large & Midcap Direct Growth - 2.5k PGIM India Midcap Oppurtunites Fund Direct Growth - 6k Parag Parikh Flexi Cap Direct Growth - 15k Nippon India Pharma Fund Direct Growth - 10k Quant Small Cap Direct Plan Growth - 10k Axis ELSS Tax Saver Regular Growth - 2.5k Kotak Emerging Equity Fund Regular - 4.3k Mirae Asset Large & Midcap Direct Regular - 2.5k Kotak Small Cap Fund Growth Regular - 2.5k
Ans: You have a well-diversified SIP portfolio, but some improvements can be made. Below is a detailed review of your portfolio with suggestions.

Portfolio Diversification
Your portfolio covers large-cap, mid-cap, small-cap, flexi-cap, pharma, technology, and international exposure.

There are too many funds in the portfolio, leading to duplication.

A more focused approach can improve returns while maintaining diversification.

Large-Cap Exposure
Your portfolio has a large-cap fund. Large-cap funds provide stability.

Consider keeping only one large-cap fund instead of multiple overlapping ones.

Large-cap funds deliver steady growth but may not beat inflation significantly.

Mid-Cap and Small-Cap Exposure
You have multiple mid-cap and small-cap funds. These funds offer high growth potential.

Overexposure to small-cap and mid-cap can increase risk.

Reducing the number of mid-cap and small-cap funds will avoid redundancy.

Flexi-Cap and Multi-Cap Exposure
Flexi-cap funds allow fund managers to invest across market caps.

One flexi-cap fund is sufficient. Multiple flexi-cap funds lead to overlap.

A well-managed flexi-cap fund can balance risk and returns.

Sectoral and Thematic Funds
Pharma and technology funds are sectoral funds. They perform well in specific market cycles.

Sectoral funds are high-risk and should not exceed 10-15% of the total portfolio.

Consider reducing exposure to sectoral funds unless you have a long-term view.

International Fund Exposure
Global exposure adds diversification. However, international markets have different risks.

Foreign exchange rates and geopolitical risks can affect returns.

A single international fund is enough for diversification.

Tax-Saving ELSS Fund
ELSS funds help save tax under Section 80C.

ELSS has a lock-in period of three years.

One ELSS fund is enough instead of multiple tax-saving funds.

Direct vs Regular Funds
You have invested in direct funds. Direct funds require active tracking.

Regular funds provide guidance from an MFD with CFP credentials.

If you are not monitoring regularly, consider switching to regular funds.

Overlap Analysis
Some funds have similar stocks, leading to portfolio overlap.

Reducing overlapping funds can make your portfolio more efficient.

A focused approach improves returns without excessive diversification.

Debt Fund Allocation
There is no debt fund in the portfolio.

Debt funds provide stability and liquidity.

A small allocation to a short-duration debt fund can help manage short-term goals.

Portfolio Simplification Suggestions
Reduce the number of overlapping funds.

Keep one large-cap, one mid-cap, one small-cap, one flexi-cap, and one sectoral fund.

Limit international exposure to a single fund.

Maintain tax-saving investments only if needed under Section 80C.

Final Insights
Your portfolio is well-structured but has too many funds.

Streamlining the portfolio will improve efficiency and returns.

Reduce sectoral and mid/small-cap exposure for better risk management.

Add a debt fund for stability and liquidity.

Monitor the portfolio regularly or consult a Certified Financial Planner for guidance.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |249 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Feb 18, 2025

Asked by Anonymous - Sep 23, 2024Hindi
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Career
Sir,I am a bsc. Zoology student interested in pursuing Msc.Clinical embryology. Which all exams should I appear to get admission to this course? Which is better - Msc. Clinical Embryology or Msc. Clinical embryology and Assisted reproductive technology? What is the scope of this subject and what is its pay level? Please guide
Ans: The NTA has started conducting eligibility exams for all PG courses, including professional courses like Pharmacy (MPHARM), known as the PG CUET exams. This is the first year for these exams, with 174 universities participating: 41 central universities, 38 state universities, 12 government institutions, 14 deemed universities, and 69 private universities. Similar to NEET, universities from all over India are involved, so you need not worry. Additionally, you may be able to obtain a scholarship to pursue your course. In the near future, many more universities are expected to join this initiative.

For your specific situation, you need to appear for the entrance exam for TEST PAPER SCQP17, based on the course you have studied and the one you have selected. In some cases, the syllabus is also provided. Therefore, you don’t need to struggle with the admission process. However, you should research which courses are offered by each university to gather the necessary details individually. If you haven't registered this time, you can always try again next time. Please note: A candidate can take up to four different test papers.
Both courses are acceptable, but consider pursuing an MSc in Clinical Embryology and Assisted Reproductive Technology for a better future.

...Read more

Ravi

Ravi Mittal  |528 Answers  |Ask -

Dating, Relationships Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025
Relationship
Hi i am a married woman aged 45 years, i am happily married and have a loving husband. My husband travels a lot due to work and my son is studying in college in Pune. Everything was going fine in my life, but few months back a MBA graduate boy 23 years joined our office in my team. He had to report to me, and our company send us for sales corporatemeetings to Mumbai and other cities often. Gradually we became close and he confessed he had a crush on me. I was falttered but told him i am much older and married. Although i was very flattered that he found me attractive. I am tall 5ft 7 inches and kept myself very fit and always men keep hitting on me but i always ignore them. On our last trip together we went for a meal and had a few drinks together. Then i told him i was sleepy and needed to go to my room. He accompanied to my room and had a coffee. I had a bavk ache and he said he can massage me for 5 mins. I hesitantly agreed during the massage one thing led to another and we had sex and since then we have started having sex whenever we travel togther often. He says he truly loves me but for next 5 years he cannot marry anyone. I have now started loving him a lot i often fight with my husband. I want to continue this affair but am afraid if my husband finds out or if people in office come to know. Strangely another young man in office has starterd showing interest in me and asked me out for a coffee. He also says he likes me a lot anf is caring, I am confused shall i also go for a simple coffee. what if my husband or younger boyfriend find out. Is what i am doing wrong, i just want to live my life fully am i wrong ???
Ans: Dear Anonymous,
If you do not have an open marriage, then what you are doing is certainly wrong. When has cheating ever been right? Especially when you did not mention anything wrong with your husband. I am not judging you; but I would suggest that if you want to keep this up, you either come clean to your husband or let him go. This isn't fair. You living your life to the fullest should not harm or hurt others.
Hope this helps.

...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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