I am 38 years old and have been investing in equity mutual funds since 2012.

These are my investments in equity till date. I have stopped my SIPs this month, except for Mirae Emerging Bluechip.

I also have life insurance (Rs 38,634 per annum) and Mediclaim (Rs 19,000 p a).

1. I want to invest an additional lump sum of Rs 1 lakh and start 3 new SIP of Rs 2,500 per month.

Can you suggest where I should invest -- in the funds I am already invested in or in any new category?

2. I have not been able to make up my mind on debt investment since I am not sure about gains (4-8 per cent) and then pay capital gains tax from debt investment, compared to money parked in a savings account (interest at 3.5 per cent).

These are my current investments. Your response would be appreciated. 

ELSS (Mirae Asset & Quant)	Rs 4,40,000
Flexi Cap (Parag Parikh & UTI)	Rs 1,60,000
Index (HDFC Sensex)	Rs 30,000
Large & Mid (Canara Emerging Equities & Mirae Emerging Bluechip (SIP-7500))	Rs 4,31,000
Large Cap (Mirae Large Cap)	Rs 99,100
Multi Cap (Nippon India)	Rs 30,000
Sectoral/Thematic (SBI Magnum)	Rs 27,000/-

Ans: Hi,

I’m not sure where you’re from, but according to the NIRF, the top colleges are located in Ooty, Mysuru, Manipal, and Mumbai. In most states, NEET eligibility is not required for admission, but state-level exams are necessary. Many deemed-to-be universities conduct their own entrance exams, so if you’re interested in joining one of these universities, you can reach out to them for further information.
Eligibility Critieria:(https://gurus.rediff.com/question/qdtl/career/give-neet-exam-12th-maharashtra-board-marks-less-than-150/5186648)

Minimum qualification for admission to –(extracted from Pharmacy council of India.)
A(after HSC). First year B. Pharm – A pass in any of the following examinations - i. Candidate shall have passed 10+2 examination conducted by the respective state/central government authorities recognized as equivalent to 10+2 examination by the Association of Indian Universities (AIU) with English as one of the subjects and Physics, Chemistry, Mathematics/Biology as optional subjects individually. “However, the students possessing 10+2 qualification from non-formal and non-class rooms based schooling such as National Institute of Open Schooling, open school systems of States etc. shall not be eligible for admission to B.Pharm Course.” ii. Any other qualification approved by the Pharmacy Council of India as equivalent to any of the above examinations. Provided that a student should complete the age of 17 years on or before 31st December of the year of admission to the course. Provided that there shall be reservation of seats for the students belonging to the Scheduled Castes, Scheduled Tribes and other Backward Classes in accordance with the instructions issued by the Central Government/State Government/Union Territory Administration as the case may be from time to time. B. B. Pharm lateral entry (to second year/third semester) - A pass in D. Pharm course from an institution approved by the Pharmacy Council of India under section 12 of the Pharmacy Act

Best wishes.
POOCHO. LIFE CHANGE KARO!