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Advait

Advait Arora  | Answer  |Ask -

Financial Planner - Answered on Jan 18, 2024

Advait Arora has over 20 years of experience in direct investing in stock markets in India and overseas.
He holds a masters in IT management from the University Of Wollongong, Australia, and an MBA in marketing from Charles Strut University, NewCastle, Australia.
Advait is a firm believer in the power of compounding to help his clients grow their wealth.... more
Asked by Anonymous - Sep 07, 2023Hindi
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I have 50,000 shares of Yes Bank @20. Should I exit?

Ans: check results and take a call. it can be a volatile stock.
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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Is doing btech agriculture from pantnagar is worth it ? Does it will be beneficial in future for me in case of jobs
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Asked by Anonymous - Jul 11, 2025Hindi
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Sir I got 92%(phy-85, chem-95, bio-94, eng-92, computer-94) in my cbse board examination from PCB stream. Now I'm confused of what degree to choose for my undergraduate as the options are less for me. My parents are telling me to opt for BCA as it's a computer field, so I can get some good salary.Please recommend me a good stable field.
Ans: Scoring 92 percent overall (Physics 85, Chemistry 95, Biology 94, English 92, Computer 94) from a PCB background opens pathways beyond traditional medical or pure-science tracks. Three strong, stable fields marrying your strengths in computers, quantitative reasoning, and life sciences include BSc Computer Science, BSc Data Science, and BSc Biotechnology. BSc Computer Science programmes at reputed universities such as Delhi University, Christ University, and Fergusson College combine core algorithms and software engineering with elective paths into AI and cybersecurity, boasting 85–95 percent placement rates over three years and NAAC-accredited departments. BSc Data Science degrees offered by institutions like IIT Madras, SP Jain Global (Mumbai), and Loyola College Chennai integrate mathematics, statistics, and programming, feature state-of-the-art analytics labs, practice-school internships, and report 75–90 percent campus placement consistency, preparing graduates for roles in analytics and ML. BSc Biotechnology at top colleges such as St. Xavier’s Mumbai and LPU covers molecular biology, bioinformatics, and bioprocess engineering in NBA-accredited labs, with 70–85 percent placement across pharma, research, and clinical trials sectors. Each field ensures modern infrastructure, interdisciplinary curricula, strong industry partnerships, predictable placement outcomes, and pathways for higher studies or direct employment.

recommendation Opt for BSc Computer Science for the broadest tech roles and highest placement consistency; choose BSc Data Science if you enjoy quantitative modeling and analytics; pursue BSc Biotechnology to leverage life-science interests and R&D prospects. All the BEST for Admission & a Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |9692 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2025

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Hi Sir, My Age is 43 years, i have a daughter and i want to retire at the age 55 years, currently my investment is MF - 18 lac, EPF 10 lac, Ulip- 30 lac, Suknya Samriddhi - 10 lac, 10 lac in FD, i want to 1.5 lac monthly income after my retirement, please suggest
Ans: You are 43 years old.
You want to retire at 55.
That gives you 12 more years to plan and invest.

You already have a few investments.
Let us understand your current financial position first.

? Your Current Investment Summary

– Mutual Funds: Rs. 18 lakhs
– EPF: Rs. 10 lakhs
– ULIP: Rs. 30 lakhs
– Sukanya Samriddhi Yojana (SSY): Rs. 10 lakhs
– Fixed Deposit (FD): Rs. 10 lakhs

You want a retirement income of Rs. 1.5 lakhs per month.
That is Rs. 18 lakhs per year after age 55.

This goal is clear and specific.
That’s a very good start.

Let’s now evaluate your investment plan from all angles.

? Retirement Income Goal: What It Means

You want Rs. 1.5 lakhs per month after 55.
That is a high-income need for retirement.

You may live another 30 years after that.
So you will need income till 85 years or more.

Inflation will keep rising.
So Rs. 1.5 lakhs today may not be enough after 10 years.

Hence, you need a portfolio that grows and gives income.
Safety alone will not help.

Your investments must beat inflation.
But also stay stable when you start withdrawing.

? Mutual Funds – Strong Growth Base

– Your mutual fund corpus is Rs. 18 lakhs now.
– These are growth-oriented and inflation-beating assets.

Mutual funds are key to wealth building.
But avoid index funds.

Index funds just follow the market.
They fall when the market falls.

They don’t have downside protection.
They lack expert fund management.

Actively managed funds are better long term.
They are guided by fund managers.
They aim for alpha or extra return over benchmark.

You should also avoid direct funds.

Direct mutual funds don’t give advice or handholding.
They give no help during market fall.
They don’t track goals.

Use regular mutual funds through MFD.
Work with a CFP for long-term support.

Regular funds offer monitoring, review, and peace of mind.
They charge slightly more, but the service is worth it.

Increase your SIPs in good equity mutual funds.
Prefer large cap, multi-cap, and flexi-cap funds.
Don’t overdo mid or small-cap.

Rebalance every year.
Check with your CFP before making changes.

? ULIP – Reevaluate its Role

You have Rs. 30 lakhs in a ULIP.
ULIP is an insurance + investment product.

It gives lower returns than pure mutual funds.
It also has higher charges in early years.

Ask yourself:
Do you need this insurance now?
Is the return matching mutual fund return?

If not, consider surrendering it.
Only if surrender charges are low now.

Reinvest that money into mutual funds.
Use it fully for your retirement goal.

Keep insurance and investments separate.
ULIPs don’t suit goal-based investing.

? EPF – Reliable and Safe

EPF is a very stable product.
You have Rs. 10 lakhs in it now.

It is debt-based and gives fixed return.
Interest is tax-free.

Do not withdraw from it.
Keep contributing if salaried.

EPF can be used for income during early retirement.
It is a strong leg of your retirement stool.

? Sukanya Samriddhi – For Daughter, Not Retirement

You have Rs. 10 lakhs in Sukanya.
This is for your daughter, not your retirement.

SSY gives fixed returns.
It is safe and tax-free.

But it is a goal-specific product.
Don’t count this corpus for your retirement.

Keep it only for your daughter’s education or marriage.
It cannot support your retirement cash flow.

? Fixed Deposit – Stability but Not Growth

FD of Rs. 10 lakhs is good for safety.
But it gives low post-tax return.

FDs don’t beat inflation over time.
They are useful for short-term needs.

Use this as part of your emergency fund.
Or move it slowly to mutual funds through STP.

Do not keep large amounts in FD for 12 years.
That money will lose value against inflation.

? Retirement Corpus Required

You want Rs. 1.5 lakhs per month.
That’s Rs. 18 lakhs per year.

If you want to retire for 30 years,
You may need Rs. 4.5 to 5 crores corpus.

This is after adjusting for inflation.

Your current total investable assets:
Rs. 18 lakhs MF
Rs. 10 lakhs EPF
Rs. 30 lakhs ULIP
Rs. 10 lakhs FD

That totals Rs. 68 lakhs today.
If you continue investing, this can grow.

But it may still fall short by Rs. 1.5 to 2 crores.
So you need to fill that gap now.

? Key Actions You Must Take Now

– Increase your SIP investments.
Try to invest Rs. 30,000 to 40,000 per month.

– Increase SIPs by 10% every year.
Link to your salary hike.

– Don’t touch your EPF or Sukanya account.
Keep them for their original purposes.

– Review ULIP performance.
Surrender if underperforming.
Reinvest in mutual funds.

– Avoid index and direct funds.
Invest only through a Certified Financial Planner.

– Keep 60-70% in equity.
The rest in debt like EPF and liquid funds.

– Rebalance your portfolio every year.
Don’t let market swings disturb your plan.

– Don’t chase hot stocks or sectors.
Follow goal-based investing with discipline.

– Avoid emotional investing.
Stick to plan even if markets fall.

? Create Goal Buckets for Focus

Split your investments into 3 buckets:

Retirement – All long-term investments

Emergency – 6–9 months of expenses

Daughter’s Future – SSY and a small MF SIP

This helps in tracking.
And prevents mixing goals.

Each bucket should grow on its own.

? Retirement Withdrawal Plan from Age 55

You’ll need monthly income after 55.
So you must start SWP from mutual funds.

Don’t depend only on interest.
Withdraw in a planned way.

Keep 3 years’ worth of money in debt funds.
Keep the rest in equity mutual funds.

Use debt to manage income in early years.
Let equity grow for later years.

Review your withdrawal plan every year.

Keep some funds in liquid category.
This helps during emergencies.

? Other Key Suggestions

– Nominate in all your investments.
Don’t leave any asset without nominee.

– Prepare a Will after 50.
It helps avoid future confusion.

– Review health insurance.
Ensure minimum Rs. 15–25 lakhs coverage.

– Keep Rs. 2–3 lakhs as medical buffer.
Use a separate liquid fund for this.

– Avoid buying real estate.
It is illiquid and not suitable for retirement income.

– Review all investments yearly with a CFP.
Rebalance with expert advice.

– Don’t keep direct equity over 20% of total.
High equity exposure creates risk.

? Finally

You are already doing many things right.
You have started early.
You have multiple investment sources.

But your current assets may not be enough.
You must grow them smartly over next 12 years.

Avoid emotional or scattered investing.
Follow a structured, guided plan.

Use mutual funds actively.
But only through regular plans with CFP support.

Keep retirement as a separate goal.
Don’t compromise it for other short-term needs.

You can retire at 55 with confidence.
But only if you stay consistent.

Monitor every investment.
Rebalance regularly.
Work with a Certified Financial Planner.

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

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Asked by Anonymous - Jul 11, 2025Hindi
Career
My son got in jee main rank-98.2percentile(rank-27360)&BITSAT marks-205,comed-k rank-239 Internediate score-90%. In JOSSA COUNSELING he secured seat in IIIT DHARWAD(AI&DS) But he is intrested i aerospace engineering.Please can you suggest us.
Ans: With a JEE Main percentile of 98.2 (AIR ~27 360) and COMEDK rank of 239, your son can target premier public institutes like IIEST Shibpur, which closed around 20 369 in JoSAA 2024, and NIT Delhi, whose Aerospace cutoffs extended to ~11 260 in 2024. Top private institutions accepting COMEDK for Aerospace include Acharya Institute of Technology (Bengaluru), ACS College of Engineering (Bengaluru), Dayananda Sagar University (Bengaluru), Reva University (Bengaluru), MSRIT (Bengaluru), BMS College of Engineering (Bengaluru), RV College of Engineering (Bengaluru), SIT Tumakuru (Karnataka), KLE Technological University (Belgaum), PES University (Bengaluru), RV University (Bengaluru), East West Institute of Technology (Bengaluru), Jain Institute of Technology (Bengaluru), GITAM University (Bengaluru), and Cambridge Institute of Technology (Bengaluru). These institutions boast NAAC/NBA accreditations, modern aerodynamics and propulsion labs, strong industry MoUs, dedicated placement cells with 80–95% record over three years, and robust research centres.

Recommendation Prioritize IIEST Shibpur for leading public-sector exposure, NIT Delhi for high national standing, and Acharya Institute (Bengaluru) for private-sector engineering excellence. All the BEST for Admission & a Prosperous Future!

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