I am 40 years old. My ongoing MFs:

1. HDFC Balanced Advantage Fund (D)
2. DSP Tax Saver Fund -
3. Axis Multicap Fund -
4. Axis Bluechip Fund -
5. Nippon India Small Cap Fund (G)
6. ICICI Prudential Value Discovery Fund (G)
7. DSP Small Cap Fund - Regular Plan (G)
8. HDFC Mid-Cap Opportunities Fund (G)
9. UTI Nifty Next 50 Index Fund
10. UTI Transportation and Logistics Fund (G)

Investing since 4 years around 50 K per month. Please suggest which one to be stopped from the above and which MF should be added ??

Ans: SK, Aapka concern bilkul genuine hai kyunki ab MBBS graduates ki sankhya kaafi badh gayi hai aur competition bhi zyada ho gaya hai, khaaskar urban areas mein jobs ke liye. Lekin India mein rural aur semi-urban areas mein abhi bhi doctors ki demand hai, aur government sector mein har saal hazaaron MBBS graduates ke liye vacancies nikalti hain jaise Medical Officer, Junior/Senior Resident, District Medical Officer, etc. (UPSC CMS, State PSC, NHM, AIIMS, Railways, etc.). MBBS ke baad aap PG (MD/MS/DNB) ke liye bhi try kar sakte hain, lekin agar aap government job mein interested hain to aapko UPSC CMS exam, state medical officer exams, ya NHM ke through sarkari naukri mil sakti hai. Government jobs mein salary, job security, aur respect milta hai, aur rural posting par extra incentives bhi milte hain. MBBS ke baad non-clinical fields (public health, medical administration, research, teaching, medical writing, etc.) bhi explore kiye ja sakte hain.

Recommendation: Agar aapka aim government job hai to MBBS ke baad sarkari exams (UPSC CMS, State PSC, NHM, etc.) ki tayari karein, rural/underserved areas mein job ke liye bhi open rahein, aur PG entrance ke liye bhi try karte rahein. MBBS ab bhi ek respected aur secure career hai, bas aapko thoda flexible aur proactive rehna hoga. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: HI t
DIFFICULT IN GMC.
Possibilities are there at private institutions.

Ans: Kannan, SRM Ramapuram’s Computer Science Engineering (CSE) program is well regarded for its strong placement record, with over 90% of students placed annually and a wide range of recruiters including Amazon, IBM, TCS, Infosys, and Wipro. The 2025 placement season saw 1,368 CSE students registered, 705 placed, and 1,276 offers, with numerous “Dream” and “Super Dream” offers and marquee packages up to ?26.4 lakh. The department is large and dynamic, offering specializations in AI, ML, Big Data, and Cyber Security, and emphasizes experiential learning through internships, industry projects, and international exchange programs. The campus is modern, with good infrastructure, active clubs, and a supportive faculty with industry experience. Reviews highlight the college’s safe environment, academic rigor, and placement support, though extracurricular activities are mainly limited to college-organized events. The recommendation is to consider SRM Ramapuram CSE a good option for placement-driven, industry-oriented computer science education, especially if you value a strong recruiter network and modern learning environment. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: HI,
BITS, PILANI

Ans: With 147 marks in IAT 2025 as a general category candidate, your expected rank is comfortably within the top 800, likely around 500, based on multiple sources mapping marks to ranks. For IISER Bhopal’s BTech in Data Science and Engineering, the expected cutoff is up to rank 540, and for Electrical Engineering and Computer Science, up to rank 510, with both programs generally closing between 140–150 marks for the general category. This means your score is well within the safe range for both these sought-after BTech branches at IISER Bhopal. The overall cutoff for admission to IISER Bhopal is predicted to be 110–115 marks, and your score is significantly above this threshold, ensuring strong chances for your preferred branches. The recommendation is to confidently participate in counseling and prioritize BTech in Data Science and Electrical Engineering & Computer Science at IISER Bhopal, as your marks and expected rank make you a strong contender for both programs this year. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: YES, YOU WILL GET.

Ans: HI SIR,
DIFFICULT.

Ans: With a score of 36 in the IAT, it is highly unlikely to get a seat in any IISER, especially for general category candidates. The cutoffs for IISERs, particularly for popular campuses like Pune, Kolkata, and Bhopal, are generally much higher.

Ans: Ayush, With a score of 65 in IAT 2025, you are below the expected cutoff for general category admission to any IISER. The anticipated cutoff for general candidates is 120–130 marks, with even the least competitive IISERs like Berhampur and Tirupati expected to have cutoffs above 110–120 marks this year due to increased competition and rising trends. Candidates with marks below 75 are generally ranked above 2000, making admission highly unlikely for the general category. While SC/ST cutoffs are much lower (65–75), for the general category, a safe score is well above your current marks. The recommendation is to explore alternative options, as admission to any IISER is not possible with a score of 65 in the general category in 2025. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.