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Sunil

Sunil Lala  | Answer  |Ask -

Financial Planner - Answered on Feb 28, 2024

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
K Question by K on Feb 22, 2024Hindi
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Am of 55 years. Pvt job since 1990. No investment till now. want to earn money additionally. Pls. suggest.

Ans: What suggestion you want ?
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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Dev

Dev Ashish  | Answer  |Ask -

MF Expert, Financial Planner - Answered on Apr 26, 2023

Asked by Anonymous - Apr 24, 2023Hindi
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Money
How do I earn monthly income of 2 lakhs post retirement which is 15 years away? Please suggest options
Ans: If we calculate using a few assumptions, like post-retirement life of 25 years; average inflation of 6% pa during that period, and portfolio returns of about 8% (assuming a judicious mix of equity and debt with a higher allocation to the latter), then you need to have a corpus of about Rs 4.8 Cr. This is to ensure that starting at Rs 2 lakh monthly (after 15 years), your monthly income from there on increases by at least 6% assumed inflation. And starting from zero, you need to invest about Rs 1.1 lakh per month assuming equity:debt 50:50 and this monthly investment amount should increase by at least 5% every year.

To reach this target corpus, you have a sufficiently long runway of 15 years. So you should be willing to invest a major chunk in equities via equity funds if your risk appetite allows for it. You may also have some of the existing assets, which too can be earmarked towards this retirement corpus.

As mentioned, for equity allocation, choose diversified equity funds categories like passive largecap funds, flexicap funds, and large&midcap funds (and if you have a sufficiently high-risk appetite, then mid-and-small cap funds as well). For debt, your EPF+VPF alongwith PPF should be sufficient.

When the time comes for retirement (in 15 years), you may have to divide your portfolio into 2 buckets. One to take care of income needs (via SCSS, debt funds, PPF withdrawals, bonds, etc.) and the other for growth (via equity funds and ETFs)

..Read more

Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Asked by Anonymous - Jun 01, 2024Hindi
Money
I am 57 years old. After 5 years I want income 5 lakh per month. How and where to invest to get 5 lakh income per month.
Ans: Planning for a secure and comfortable future is essential, especially as you approach retirement. Ensuring a monthly income of Rs. 5 lakh within five years is an ambitious goal, but achievable with the right strategy. Below, we’ll explore various investment options and strategies to help you reach this goal.

Understanding Your Financial Goals
To achieve Rs. 5 lakh per month, you need a clear understanding of your financial goals. This involves assessing your current financial situation, expected expenses, and desired lifestyle post-retirement. It’s important to determine the total corpus required to generate this income through careful planning and projections.

Risk Assessment and Investment Horizon
At 57, your risk tolerance is likely moderate. Balancing risk and returns is crucial. Your investment horizon is five years, meaning you need to invest in options that provide substantial growth without exposing you to excessive risk.

Importance of Diversification
Diversification reduces risk by spreading investments across various asset classes. This ensures that poor performance in one area doesn’t drastically impact your overall portfolio. A well-diversified portfolio is key to achieving stable returns.

Equities: The Growth Engine
Equities can be a significant part of your investment portfolio. They offer the potential for high returns, which is essential to meet your goal. Actively managed equity mutual funds, where a professional fund manager makes investment decisions, can be a good choice. These funds have the potential to outperform the market, providing higher returns than passive index funds.

Benefits of Actively Managed Funds
Professional Management: Fund managers use their expertise to select high-performing stocks.
Potential for Higher Returns: Active funds aim to beat the market, unlike index funds that just track it.
Flexibility: Managers can adjust the portfolio in response to market changes.
Debt Instruments: Stability and Safety
Debt instruments provide stability and lower risk. They should form a significant part of your portfolio to ensure capital preservation and steady income. Examples include government bonds, corporate bonds, and debt mutual funds.

Benefits of Debt Mutual Funds
Regular Income: Debt funds provide regular interest income.
Lower Risk: They are less volatile compared to equities.
Liquidity: Debt funds offer easy liquidity, allowing access to your money when needed.
Systematic Withdrawal Plans (SWP)
Systematic Withdrawal Plans from mutual funds can provide regular income. You can invest a lump sum in a mutual fund and withdraw a fixed amount monthly. This ensures a steady cash flow while your investment continues to grow.

Benefits of SWPs
Regular Income: Provides a fixed monthly income.
Tax Efficiency: Capital gains are taxed favorably compared to interest income.
Flexibility: You can adjust the withdrawal amount as needed.
Balancing Equity and Debt
A balanced approach is crucial. Typically, a 60:40 or 50:50 equity-to-debt ratio is advisable for someone close to retirement. This provides growth potential while ensuring stability and safety.

Mutual Funds: A Closer Look
Mutual funds offer a range of options suitable for different risk profiles and investment goals. Actively managed funds, including equity and balanced funds, can provide the growth needed to achieve your goal. Debt funds offer the stability and regular income required for retirement.

Benefits of Mutual Funds
Professional Management: Fund managers have the expertise to make informed investment decisions.
Diversification: Mutual funds invest in a variety of securities, spreading risk.
Flexibility: They offer different schemes to suit various investment needs and risk appetites.
Importance of Regular Reviews
Regularly reviewing your investment portfolio ensures it remains aligned with your goals. Markets and personal circumstances change, and your portfolio should be adjusted accordingly. This involves assessing the performance of your investments and rebalancing the portfolio if necessary.

Tax Planning
Effective tax planning is essential to maximize your returns. Different investment options have different tax implications. Understanding these can help you make tax-efficient investment decisions.

Tax-Efficient Investment Strategies
Equity Mutual Funds: Long-term capital gains (LTCG) up to Rs. 1 lakh are tax-free. Gains above this are taxed at 10%.
Debt Mutual Funds: LTCG from debt funds are taxed at 20% with indexation benefits, reducing the tax liability.
SWPs: Provide regular income while being tax-efficient due to favorable treatment of capital gains.
Contingency Planning
Having an emergency fund is crucial. It ensures you have access to funds in case of unexpected expenses without disrupting your investment plan. Typically, an emergency fund should cover 6-12 months of expenses.

Professional Guidance
Working with a Certified Financial Planner (CFP) can provide personalized advice tailored to your financial situation and goals. A CFP can help create a comprehensive financial plan, select appropriate investments, and provide ongoing support.

Conclusion
Achieving a monthly income of Rs. 5 lakh in five years requires careful planning, disciplined investing, and regular reviews. By understanding your financial goals, assessing your risk tolerance, and diversifying your investments, you can create a robust investment strategy.

Key Takeaways
Diversify Your Portfolio: Spread investments across equities and debt.
Opt for Actively Managed Funds: Leverage professional expertise for higher returns.
Utilize SWPs: Ensure regular income through systematic withdrawals.
Regularly Review Your Portfolio: Adjust investments as needed.
Plan for Taxes and Contingencies: Maximize returns through tax-efficient strategies and maintain an emergency fund.
Action Plan
Assess Your Financial Situation: Understand your current assets, liabilities, and income needs.

Set Clear Goals: Define your desired monthly income and the total corpus required.

Create a Diversified Portfolio: Invest in a mix of equities and debt instruments.

Opt for Actively Managed Funds: Choose funds managed by professionals for better returns.

Implement SWPs: Set up systematic withdrawals to ensure regular income.

Review and Adjust Regularly: Monitor your portfolio and make necessary adjustments.

Seek Professional Advice: Work with a Certified Financial Planner for personalized guidance.

By following these steps, you can work towards achieving your goal of Rs. 5 lakh monthly income. Stay committed to your plan, make informed decisions, and adjust as needed. Your financial future can be secure and comfortable with the right approach.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8204 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 01, 2024

Asked by Anonymous - Jun 01, 2024Hindi
Money
Helo sir I'm 28 rights now and I have 6 lac liability my monthly income 30k sir plz suggest me a way for investment and short term earning
Ans: Understanding Your Financial Situation
You're doing well by seeking financial advice at 28. Your monthly income of Rs. 30,000 is a good starting point. A liability of Rs. 6 lakhs can seem daunting, but with the right strategy, you can manage it effectively.

Setting Financial Goals
First, let's define your financial goals. Short-term goals could include clearing your Rs. 6 lakhs liability. Long-term goals might involve savings for retirement or a house.

Budgeting Your Income
Create a budget to manage your Rs. 30,000 monthly income. Allocate funds for essential expenses like rent, groceries, and utilities. Ensure you save a portion of your income each month.

Clearing Your Liability
Prioritise clearing your Rs. 6 lakhs liability. High-interest debt can hinder financial progress. Aim to pay more than the minimum amount due each month to reduce the principal faster.

Emergency Fund
Establish an emergency fund. Aim to save at least three to six months' worth of expenses. This fund will act as a safety net during unexpected financial situations.

Investment Options for Short-Term Earnings
For short-term earnings, consider options that offer liquidity and low risk. Fixed deposits and savings accounts with good interest rates are stable choices. These provide moderate returns with low risk.

Actively Managed Funds
Investing in actively managed funds can be beneficial. These funds are managed by experts who aim to outperform the market. They might offer higher returns compared to index funds, which only track the market.

Regular Funds with Certified Financial Planner
Consider regular funds managed through a Certified Financial Planner (CFP). CFPs provide professional guidance and tailored advice, ensuring your investments align with your financial goals.

Diversifying Investments
Diversify your investments to reduce risk. Don't put all your money into one type of investment. Consider a mix of debt and equity funds to balance risk and return.

Short-Term Investment Strategies
For short-term goals, focus on investments that mature in a few years. Look for options with low volatility and stable returns. These investments will help you meet your immediate financial needs.

Regular Review and Adjustment
Regularly review and adjust your investment portfolio. Market conditions change, and your financial goals might evolve. Ensure your investments remain aligned with your objectives.

Benefits of Professional Guidance
Working with a Certified Financial Planner can provide significant benefits. They offer expertise, personalised advice, and help navigate complex financial decisions. Their guidance ensures your investments are well-structured.

Building a Financial Plan
Develop a comprehensive financial plan. Include your income, expenses, liabilities, and investment goals. A well-structured plan will guide your financial decisions and keep you on track.

Importance of Discipline
Financial discipline is key to success. Stick to your budget, avoid unnecessary expenses, and consistently invest. Discipline ensures steady progress towards your financial goals.

Learning and Growing
Educate yourself about personal finance and investment options. Knowledge empowers you to make informed decisions. Stay updated on financial trends and market conditions.

Benefits of Diversification
Diversifying your investments spreads risk. By investing in various assets, you protect yourself from market volatility. A diversified portfolio offers stability and potential for growth.

Evaluating Risk Tolerance
Understand your risk tolerance before investing. Some investments carry higher risk but offer higher returns. Align your investment choices with your comfort level and financial goals.

Tax Implications
Consider the tax implications of your investments. Different investment options have varying tax treatments. Aim to minimise tax liability while maximising returns.

Long-Term Financial Goals
While focusing on short-term goals, keep long-term objectives in mind. Retirement planning should start early. Consistent investments over time will build a substantial corpus for the future.

Balancing Life and Finances
Achieve a balance between enjoying life and managing finances. Allocate funds for leisure and personal growth. A balanced approach ensures financial well-being and personal satisfaction.

Seeking Professional Advice
Consulting a Certified Financial Planner can provide clarity and direction. Their expertise helps navigate financial complexities. Professional advice ensures your financial journey is smooth and successful.

Conclusion
You're on the right track by seeking financial advice at a young age. With a structured plan, disciplined approach, and professional guidance, you can achieve financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Janak

Janak Patel  |26 Answers  |Ask -

MF, PF Expert - Answered on Apr 09, 2025

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One fincart advisor contacted me for giving me advise regarding mutual funds and investment of sector is fincart a good company or not to invest
Ans: Hi Sammer,

An adviser/company to be categories as good or not is a bit subjective. I say this because you may find people who have had a good experience with them and those who did not have a good one.

But let me try to help you with some pointers that can help you decide
1. Before asking what they can offer you, ask them - "What do you gain by becoming my advisor?" Their response will give you insight into their objectives. If its not clearly stated, then consider it a RED flag.
2. Are they going to advise based on your preferences or they have a selected list that you need to choose from. I have heard of adviser pushing different products without considering your preferences e.g. You prefer MF and they push ULIP, Regular MF vs Direct MF etc. This can include cross selling other products that they are servicing like insurance and pension products.
3. Inquire about their process of engagement before advising you. Will they consider your requirements and evaluate them and present options to choose or start by putting the options on table and recommending MFs without understanding your goals/requirements. Simple ask, so which is the best MF scheme to invest today. If they start listing them - RED flag.
4. How will they construct a portfolio for you, structure and number of schemes in it, will it have a strategy and objective to it. Or will they keep building it over time by adding new schemes as and when. A person once came to me with a portfolio of approx. 30 lakhs with over 30 MF schemes in it - RED flag. Going beyond 5-6 schemes needs to be reviewed thoroughly.
5. What are their processes for reviewing the performance of the portfolio/schemes and how do they provide recommendation for changes in the portfolio. Will they take into account tax impacts when recommending exits.
6. Will they aim to educate you in this whole process about various aspects so as to establish and enhance their engagement, trust and your own confidence in them.
7. Most important - Will it be a fee based engagement or a commission based. Typically fee based engagements should encourage customer's preferences e.g Direct MF, using client's Demat account etc and provide recommendations for customers requirement with alternatives and options. Even when you change a recommendation, they should educate you on its impact and recommend alternative to mitigate the impact. Commission based engagements are based on their earnings from your investment. Some times their approach is to add schemes based on commissions. But there are good advisors who will stay the course of a well constructed portfolio even in this model, having the customers interest at heart.

So do your own assessment of any advisor you engage with based on the above. You can add more points of evaluation based on your own experience and knowledge.
Remember Simple strategies are more often successful.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Anu

Anu Krishna  |1585 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 09, 2025

Asked by Anonymous - Apr 06, 2025Hindi
Relationship
Hi Anu! Am a 55yr old Telugu NRI Male. Father of 3 daughters (27, 23 & 18). I luv all 3 of them more than my life. I have struggled extremely hard in my life to reach this position. And, have given my best to them always. They know about that. But, what they have done has broken me. All 3 of them r NRIs like me, and Engineers. Elder one is a Masters from USA. Younger one still studying. I had planned the marraige of my elder one when she was 23. I had already conveyed this to her in advance, for which she agreed. I clearly conveyed to her, that, having 3 daughters, I cannot afford any experiments. Only, if I plan to settle off all 3 of them in a proper and phased manner, I can finish off my duties for the youngest, by the time Im 60. Else, things will become challenging if any one of them delays for any reason, and being in a Gulf Country, I loose my job anytime, or, if I have to return due to health issues, we cud become challenged financially. Effecting the settling of my daughters. So, when I went to India around 4yrs back to initiate the plans for her match making, she stunned me by conveying that, she likes someone (a Telugu but from a different equal caste). Though stunned at her reversal, I went along, and decided to approach the Boy's father, who was a close friend. But, I was in for a bigger shock, where, the Boy's father (my friend) himself approached me, and conveyed in quiet an abrupt manner, that, he is against an intercaste marraige. I conveyed this to her (my daughter) and my wife, in front of my other 2 daughters. To my surprise, i found all my 3 daughters totally silent on this subject. Except my wife, who supported me on the insult I had to face from the Boy's father (my friend). None of my daughters felt pricked at the way he conveyed his message to me. Until this incident, my wife too was supporting my daughter, despite fully knowing that she had reversed from he initial agreement. But, this incident took her away from her support and towards the family respect. This was resented by my 3 daughters against my wife. So, after this, I started to build pressure on my daughter, conveying that, lets put this behind us, and lets proceed with seeing matches for u. She conveyed that, she needs time to heal. I asked her how much time? 1month, 2 months, 6months a year? She wasnt clear about that, which made me upset. And defeated, I left back to my job outside India. Suddenly, out of the blue, I was informed by my wife, that, she has done GRE, and got a very good score of 325/340. And, she plans to go to USA for her Masters on Scholarship. I was surprised, that, I had spent Rs.40K to join a Guidance Class to help her get a good score, which she cud not the 1st time. But, this 2nd time, how cud she get such a good score without any gudance? What was her motiivation? Whatever be the case, I felt proud of her achievement, and agreed to fund her (close to 60 Lakhs). I felt that, getting such a good score, she shud seek admission in a prestigious University, whatever be the cost on me. I had conveyed to her thro her Mom (as we werent on speaking terms), that, this money is for her's and her Sisters marraige expenses, whenever their marriage comes. I had kept aside 20 lakhs each for each of my daughters exclusively as marriage expenses. And, she has to return that amount once she starts earning. This is usually what all kids going to USA for their Masters do. They return back the money taken from their Parents, or pay back the Bank Loans. But, I payed off the Bank Loan (full 60 lakhs), so, that, the interest doesnt burden her, and asked her to pay me back when she can. Condition being, she has to pay back a min 20 lakhs in time for her marraige expenses. I was further stunned and shocked by 2 more reveals. One that, she took the step to do Masters, as the Boy too was in USA, and she followed him there with his concurrence. Which again, she hid from us. 2nd being, she also took this step to escape the marraige pressure from us in the aftermath of the Boy's father's insult to me. All these 3 yrs, she never bothered to even ask or enquire about the Financial Burden her expenses has caused to the Family. Let alone trying to convey how she plans to repay them back. Worse these 3 yrs, she doesnt attend our calls (specially her mother's, as I dont call at all), talks to her Mom in a haughty tone. Seeing her, my other 2 daughters too behave with their Mother, and at times with me to the same way. As if, it is our duty to ensure that, we provide everything to them, and when they ask. Now, it has also become clear thro my 2nd daughter that, my elder one is going to marry the same guy. Where, frankly, me and my wife dont care much about at this stage. But, this betrayal by her and the following her footsteps by her Sisters is eating me day and out. And I feel my life slipping away from my hands. I lost my only Sister, around 25yrs back. Then my Mother around 16yrs back, and my father around 4yrs back. Im alone with just my wife as my Companion. Im financially well off, but, seem to have lost my will to live. I want to live only till my 3rd daughter settles in life. And bid good bye. But, each time I think in such a way, my wife's picture comes in front of my eyes. Me and my wife luv each other a lot. I have not been a perfect husband to her. But, she has always loved me with her full heart, despite her initial mistake in supporting my elder daughter on her actions. The purpose of this query, is not for guidance, but just for sharing my pain, which, I cannot share with anyone. Not even my wife. Else, she will be devastated. She too is extremely pained with the attitude of my daughters.
Ans: Dear Anonymous,
Since you have mentioned that you don't seek guidance but just wanted to share the pain; thank you for writing in and sharing and I wish you well in life and can only hope things get better for you...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1585 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 09, 2025

Asked by Anonymous - Apr 02, 2025Hindi
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Relationship
My Daughter-in-law does not want to bear Child Self and my wife are both Sr. Citizen. My only son is married for 08 yrs plus. My daughter-in- law is not interested to be a mother or bear a child. She is a working lady, has developed some anti feeling towards babies and preaches on population control and there are many families without children etc. My son is in Govt Service on transferable job; he wants to take her to his place of work; but she does not want to leave her job and go to him. Biologically none have got any problem to become parents. She is not taking my Son's advice also on this specially for running the family lineage and for old age care. This issue is creating lots of unpleasantness in our larger family. We also stay away in other State from our Daughter -in- law to avoid further family rift. Can we ask her for a mutual consented separation (divorce)? Or, can we, Parents seek legal help (sending some legal Notice) as she is hell- bent upon not to continue family lineage and depriving us Grand Parental bliss and to my son parental proud and happiness. Please guide.
Ans: Dear Anonymous,
This may sound a bit rude to you; my apologies if it does but someone needs to say it aloud...

Why exactly are you getting into the middle of all of this? They are two grown people who need to sort this out for themselves. If your daughter-in-law is not prepared to be a mother, there's obviously a reason for this and this is between the couple. Let them talk about it If your son is coming to you with his issues with his wife, should you not actually ask him to take it up on his own?
And how did the talk of separation come about? Is this question from you son or are you suggesting it by yourself?
Let them sort out their issues without any intervention from you or anyone in the family and this so-called dream of family lineage and depriving you of becoming grandparents is sounding like an agenda.
Their marriage, their way of living! And that's how it must be! Please push your son to be a husband first and then a dutiful son otherwise he will lose his marriage.
Once all of you back off from all your expectations, it's possible that the relationship between the two of them starts to get better
and she may feel like even thinking of an idea of starting a family. And as for unpleasantness created in your larger family; they have no say in your son's marriage.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Janak

Janak Patel  |26 Answers  |Ask -

MF, PF Expert - Answered on Apr 09, 2025

Asked by Anonymous - Mar 22, 2025Hindi
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Money
Hi Sir, I'm(33yo /M) looking for guidance on investing rs6 lakhs from my gratuity. I've a diversified portfolio including debt, equity and gold. I'm aiming for growth over a 3-4 year timeframe,(aggressive mindset) but I'm also mindful of the current equity market risks. Could you pls advise investment options that align with my risk tolerance and growth objectives? (Prefer: Gold or Equity Market)
Ans: Hi,

As you have already mentioned you have a aggressive approach and time frame for investment in 3-4 years, I would recommend you to consider either a Balance Advantage MF scheme or an Aggressive Hybrid MF scheme. These schemes have proved to generate good alpha and with a portion in Debt it can protect downside to a certain extent.
As you are young and can take risk, you can also consider equity MF schemes. Consider Large cap or Mid cap equity MF schemes. They can provide growth over the time frame mentioned but understand the risks involved too. Return and risk are both on higher side. So if you can manage a downside risk and can extend your time frame - if the market has taken a downturn around 3-4 years, then extend your time in the market with this option.

Also considering the current market turmoil that we are witnessing - Trump's tariff war (today China has got 104% tariff), the world economies are going to be volatile and at such times Gold becomes a good option/hedge. But consider Gold as part of overall portfolio and allocate up to 10% to it.

Asset allocation has proved to be a great tool to overcome volatility and manage risks.

Please note any option you consider will come with its own risk and volatility. So proceed with a mindset to extend your time in the investment if its required.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Patrick

Patrick Dsouza  |1021 Answers  |Ask -

CAT, XAT, CMAT, CET Expert - Answered on Apr 09, 2025

Asked by Anonymous - Jan 31, 2025Hindi
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Career
Hi Career Experts , I am into my 45th year & am a qualified Mechanical Engineer + Full-time MBA in Marketing . Am based-out in a Tier-3 City & am supposed to stay back in my base location only due to family obligations . Worked for 16 Years but had to quit my job in 2021 due to incompatibility issues & not able to absorb / cope-up with the surmounting pressures that are rampant in the corporate world . Since then , have not been able to settle down with a Job although reaching-out & following openings on platforms like LinkedIn actively but all in vain . Had even tried exploring starting-out on my own but risks and insecurity have held me back . Have been somehow managing with my savings & investments done , but that may not go a long way . Success it seems is elusive on all fronts probably due to my age , work-gap , location constraint , maybe some other follies as well etc ? Looking forward to some specific advises pls. (do's & dont's) which may restart and reignite my career , which is in a complete state of mess . Thanks & Regards !
Ans: When you are looking for a job, check multiple sources. Linkedin is one of them. Check placement agencies, connect with your former colleagues, your friends, your batchmates from MBA college who themselves could be in decision making position. You may have to reskill yourself with some short courses. Simultaneously you could look at starting something on your own based on your interest. Could be investment advisory or some small business.

...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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