I am 59, plan to invest Rs. 6 lacs for a period of 3 years towards my child's education abroad with a high return & without risk averse. Please guide wherein to invest. Thanks & best regards..

Ans: Investing for your child’s education abroad is a significant financial decision. With a goal of investing Rs 6 lakhs over three years and seeking high returns without being risk-averse, you need a well-thought-out strategy. Here’s a comprehensive guide to help you navigate this investment journey.

Understanding Your Investment Goals
Objective Clarity

Firstly, having a clear objective is essential. You want to invest Rs 6 lakhs for three years to fund your child’s education abroad. This is a short-term goal with a high importance level. Ensuring the capital is safe while seeking higher returns is crucial.

Time Horizon and Risk Tolerance

Your investment horizon is three years, and you are open to taking some risks for potentially higher returns. This approach allows you to consider options beyond traditional fixed deposits or savings accounts, which offer lower returns.

Evaluating Investment Options
Debt Funds

Debt funds are an excellent choice for conservative investors looking for stable returns. They invest in fixed-income securities like government bonds, corporate bonds, and money market instruments. Over a three-year period, debt funds can offer better returns than fixed deposits while maintaining lower risk levels.

Benefits of Debt Funds

Lower risk compared to equity funds.
Potential for higher returns than traditional savings options.
Tax efficiency for long-term investments (over three years).
Balanced or Hybrid Funds

Balanced or hybrid funds invest in a mix of equities and debt instruments. They aim to balance risk and reward by diversifying investments across asset classes. For a three-year horizon, conservative hybrid funds, which have a higher allocation to debt, can be considered.

Benefits of Balanced Funds

Diversification reduces risk.
Potential for moderate returns with some equity exposure.
Suitable for short to medium-term goals.
Short-Term Corporate Bond Funds

Short-term corporate bond funds invest in high-quality corporate bonds with short maturities. These funds offer a good balance between risk and return, making them suitable for your three-year investment horizon.

Benefits of Corporate Bond Funds

Higher returns than government bonds.
Lower risk compared to equity investments.
Short maturity period aligns with your investment horizon.
Dynamic Bond Funds

Dynamic bond funds actively manage the portfolio based on interest rate movements. These funds can switch between short-term and long-term bonds to optimize returns.

Benefits of Dynamic Bond Funds

Flexibility in managing interest rate changes.
Potential for higher returns with active management.
Suitable for varying market conditions.
Avoiding Index Funds and ETFs
Disadvantages of Index Funds

Index funds track a specific market index and aim to replicate its performance. While they offer diversification and lower fees, they may not be suitable for short-term goals. The performance of index funds is tied to the market, which can be volatile over short periods.

Disadvantages of ETFs

ETFs, or exchange-traded funds, also track market indices and can be bought and sold on stock exchanges. They share similar risks with index funds, including market volatility, making them less ideal for a three-year investment horizon focused on stability and higher returns.

Benefits of Actively Managed Funds
Actively managed funds have fund managers who make investment decisions to outperform the market. They can potentially provide higher returns than index funds or ETFs, especially in a short-term horizon.

Advantages of Actively Managed Funds

Potential for higher returns through active management.
Flexibility to adapt to market conditions.
Suitable for investors seeking higher returns within a specific time frame.
Importance of Professional Guidance
Role of a Certified Financial Planner

A Certified Financial Planner (CFP) can provide personalized advice based on your financial situation and goals. They can help you select the right investment options and create a diversified portfolio tailored to your needs.

Benefits of Investing through a CFP

Expertise in financial planning and investment strategies.
Ongoing portfolio management and adjustments.
Access to a wide range of investment options.
Assessing the Current Market Conditions
Market Volatility

Market conditions play a crucial role in short-term investments. Understanding the current economic environment and interest rate trends can help in selecting the right investment options.

Interest Rate Trends

Interest rates affect the performance of debt funds and bonds. In a rising interest rate scenario, short-term bond funds and dynamic bond funds may be more suitable.

Tax Considerations
Tax Efficiency

Investing in debt funds for over three years can offer tax benefits. Long-term capital gains from debt funds are taxed at 20% with indexation, which can reduce the tax burden compared to short-term investments.

Tax Planning

Effective tax planning can enhance your returns. A CFP can help you structure your investments to maximize tax efficiency.

Regular Monitoring and Review
Importance of Monitoring

Regularly reviewing your investment portfolio is essential to ensure it aligns with your goals. Market conditions and your financial situation can change, necessitating adjustments to your investment strategy.

Adjusting the Portfolio

Based on performance and market trends, rebalancing your portfolio can help maintain the desired risk-reward balance. A CFP can assist in making these adjustments.

Diversification
Spreading Risk

Diversification reduces risk by spreading investments across different asset classes and sectors. For a three-year horizon, a mix of debt funds, balanced funds, and short-term bonds can provide stability and potential growth.

Benefits of Diversification

Reduces impact of market volatility.
Enhances potential returns.
Balances risk across the portfolio.
Emergency Fund
Importance of an Emergency Fund

Before making any investments, ensure you have an emergency fund. This fund should cover at least six months of expenses to handle unexpected situations without disrupting your investment plan.

Building an Emergency Fund

Invest in liquid or ultra-short-term funds for your emergency fund. These funds provide easy access to cash while offering better returns than a savings account.

Commendable Planning

Your foresight in planning for your child’s education is commendable. Investing Rs 6 lakhs over three years shows your commitment to providing the best opportunities for your child.

Understanding Your Concerns

We understand the importance of balancing returns with safety for such a crucial goal. Your willingness to take some risks for higher returns is a prudent approach given the short investment horizon.

Final Insights
Investing Rs 6 lakhs for your child’s education abroad over three years requires a careful balance of risk and return. Consider options like debt funds, balanced funds, and short-term corporate bond funds. Avoid index funds and ETFs due to their market volatility. Actively managed funds can offer higher returns through professional management. Seek the guidance of a Certified Financial Planner to tailor your investment strategy to your specific needs. Regular monitoring and diversification will help maintain the desired balance in your portfolio. Your proactive approach and commitment to securing your child’s future are truly commendable.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Investing for your child's future is a significant and responsible decision. With a horizon of 10-15 years, you can build a robust financial foundation for your son's education and other needs. Here’s an in-depth guide on how to effectively invest Rs 50,000 for your son’s future.

Understanding Your Investment Goals
To start, it is crucial to define clear investment goals. Are you investing for your son's higher education, marriage, or a combination of both? Understanding the specific objectives will help in choosing the right investment options. Clear goals act as a roadmap, guiding your investment decisions and helping you stay focused on the desired outcomes.

The Power of Compounding
Investing for 10-15 years allows you to harness the power of compounding. Compounding is the process where the returns on your investments start generating their own returns. Over time, this can lead to substantial growth in your investment portfolio. For instance, an investment of Rs 50,000 growing at an annual rate of 12% can become significantly larger in 15 years due to compounding.

Risk Assessment and Tolerance
Evaluate your risk tolerance before making any investment decisions. Typically, long-term investments can afford to take more risk, given the time to recover from market fluctuations. However, ensure that you are comfortable with the level of risk associated with your chosen investment options. Understanding your risk tolerance helps in selecting the right mix of investments, ensuring you can sleep peacefully at night without worrying about market volatility.

Diversification of Investments
Diversification is key to managing risk. Spread your investment across various categories within equity mutual funds to balance potential returns and risk exposure. This reduces the risk associated with any single investment. Diversifying your portfolio helps in achieving a more stable and consistent performance, even when some investments may underperform.

Equity Mutual Funds
Equity mutual funds are a good option for long-term investments. They offer the potential for high returns by investing in the stock market. Actively managed equity funds, in particular, can outperform the market indices through expert fund management. Investing in equity mutual funds allows you to benefit from the growth of companies and the economy over the long term.

The Benefits of Actively Managed Funds
Actively managed funds benefit from the expertise of professional fund managers. These managers make informed decisions on buying and selling stocks, aiming to outperform market indices. This can lead to higher returns compared to passive index funds. Actively managed funds can adjust to market conditions and opportunities, potentially providing better returns than a static index approach.

Systematic Investment Plans (SIPs)
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in a mutual fund. SIPs inculcate the habit of disciplined investing and can average out the cost of investment, reducing the impact of market volatility. By investing a fixed amount regularly, you buy more units when prices are low and fewer units when prices are high, effectively averaging your purchase cost.

Advantages of SIPs
SIPs provide flexibility, convenience, and the benefit of rupee cost averaging. By investing regularly, you can avoid the pitfalls of market timing and build a substantial corpus over time. SIPs are suitable for all types of investors, whether conservative or aggressive, and help in building wealth steadily and systematically.

Categories of Equity Mutual Funds
Large-Cap Funds
Large-cap funds invest in large, well-established companies. These companies are typically market leaders and have a proven track record. Large-cap funds tend to be less volatile than mid-cap or small-cap funds and provide steady returns.

Benefits of Large-Cap Funds
Large-cap funds offer stability and relatively lower risk. They are suitable for investors with a conservative risk profile seeking consistent returns over the long term. Investing in large-cap funds can provide a solid foundation for your investment portfolio.

Mid-Cap Funds
Mid-cap funds invest in medium-sized companies. These companies have the potential for higher growth compared to large-cap companies but come with higher risk. Mid-cap funds can deliver substantial returns if the companies perform well.

Benefits of Mid-Cap Funds
Mid-cap funds offer a balance between risk and return. They are suitable for investors with a moderate risk tolerance looking for growth opportunities. Mid-cap funds can enhance your portfolio's growth potential while maintaining a moderate level of risk.

Small-Cap Funds
Small-cap funds invest in small companies with high growth potential. These funds are the most volatile among equity funds but can provide significant returns. Small-cap funds are ideal for aggressive investors willing to take higher risks for higher rewards.

Benefits of Small-Cap Funds
Small-cap funds can deliver high returns due to the growth potential of small companies. They are suitable for investors with a high-risk appetite and a long-term investment horizon. Small-cap funds can be the growth engine of your portfolio, offering substantial gains if selected wisely.

Multi-Cap Funds
Multi-cap funds invest across companies of various sizes, including large-cap, mid-cap, and small-cap stocks. This diversification within the equity segment reduces risk while providing growth opportunities.

Benefits of Multi-Cap Funds
Multi-cap funds offer flexibility and diversification. They are suitable for investors looking for a balanced approach with exposure to different market segments. Multi-cap funds can adapt to changing market conditions by investing in the best opportunities across all market caps.

Evaluating Equity Mutual Funds
Fund Performance
Examine the historical performance of mutual funds before investing. Consistent performance over a 5-10 year period indicates a reliable fund. Look for funds that have outperformed their benchmarks and peers. Past performance, while not a guarantee of future results, can provide insight into a fund manager's effectiveness.

Fund Manager's Expertise
The expertise of the fund manager is crucial. Research the fund manager's track record, investment philosophy, and experience. A skilled fund manager can significantly enhance the fund's performance. The manager's ability to navigate market cycles and select high-potential investments is key to the fund's success.

Expense Ratio
The expense ratio is the annual fee charged by mutual funds to manage your investment. A lower expense ratio means higher returns for you. Compare the expense ratios of similar funds and choose the one with lower costs. Lower expenses mean more of your investment's returns stay in your pocket, compounding over time.

Tax Implications
Understanding the tax implications of your investments is important. Equity mutual funds held for more than one year qualify for long-term capital gains tax at 10% for gains exceeding Rs 1 lakh. Short-term capital gains are taxed at 15%. Planning for taxes helps in maximizing your net returns and achieving your financial goals.

Creating a Financial Plan
A well-structured financial plan is essential for achieving your investment goals. A Certified Financial Planner can help you create a tailored plan based on your financial situation and objectives. A comprehensive plan takes into account your risk tolerance, investment horizon, and financial goals.

Steps to Create a Financial Plan
Start by assessing your current financial status, including income, expenses, and existing investments. Define clear goals, such as the amount needed for your son's education, and the time frame to achieve these goals. A detailed plan provides a clear path to follow and helps in making informed investment decisions.

Regular Review and Rebalancing
Monitor your investments regularly to ensure they are on track to meet your goals. Rebalance your portfolio periodically to maintain the desired asset allocation and risk profile. Regular reviews help in adapting to changing market conditions and personal circumstances.

Emergency Fund
Before investing, ensure you have an emergency fund in place. An emergency fund should cover at least 6-12 months of living expenses. This provides financial security and prevents the need to withdraw investments prematurely. An emergency fund acts as a financial cushion, allowing you to manage unexpected expenses without disrupting your long-term investment strategy.

Insurance Coverage
Adequate insurance coverage is crucial to protect your family's financial future. Ensure you have sufficient life and health insurance to cover any unforeseen events.

Health Insurance
Health insurance provides financial protection against medical emergencies. Choose a comprehensive health insurance policy that covers hospitalization, critical illnesses, and other medical expenses.

Life Insurance
Life insurance ensures that your family is financially secure in your absence. Term insurance offers substantial coverage at affordable premiums, providing peace of mind.

Avoiding Common Investment Mistakes
Avoid common investment mistakes such as chasing high returns, lack of diversification, and not having a clear plan. Stick to your financial plan and stay disciplined. Overconfidence, emotional decisions, and following the herd can lead to poor investment choices.

Staying Informed
Keep yourself informed about market trends, economic developments, and changes in tax laws. Continuous learning helps in making informed investment decisions. Staying updated with financial news and insights helps in adapting your strategy to evolving market conditions.

Consulting a Certified Financial Planner
A Certified Financial Planner (CFP) can provide expert guidance and personalized advice. They can help you navigate complex investment options and ensure your financial goals are met.

Benefits of Consulting a CFP
A CFP has the expertise to create a comprehensive financial plan, considering your risk tolerance, goals, and financial situation. They provide ongoing support and help you stay on track. Professional advice ensures that your investment decisions are well-informed and aligned with your financial objectives.

Psychology of Investing
Understanding the psychology of investing can help you make better decisions and avoid common pitfalls. Emotions like fear and greed can influence investment choices, leading to suboptimal outcomes. Recognizing these biases and staying disciplined is crucial.

Fear and Market Volatility
Fear of losing money can lead to panic selling during market downturns. Remember that market volatility is normal and staying invested for the long term usually pays off. Historical data shows that markets recover over time, and patient investors are rewarded.

Greed and Overconfidence
Greed can lead to chasing high returns and taking excessive risks. Overconfidence in your investment choices can result in poor diversification and increased risk. Maintain a balanced approach and stick to your financial plan to avoid these traps.

Herd Mentality
Following the crowd can lead to buying high and selling low. Independent research and a clear strategy help in making rational decisions. Avoid making investment choices based on what everyone else is doing.

Discipline and Patience
Successful investing requires discipline and patience. Stick to your plan, regularly review your portfolio, and avoid making impulsive decisions based on short-term market movements. Consistency in your investment approach is key to achieving your long-term goals.

Conclusion
Investing Rs 50,000 for your son's future is a thoughtful and strategic decision. By choosing the right investment options, you can build a secure financial future for him. Stay disciplined, informed, and consult a Certified Financial Planner to achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
• Alder Hey International Fellowship Scheme (Anaesthetics)
• Betsi Cadwaladr University Health Board - BCUHB IMG Sponsorship Scheme
• BAPIO Training Academy Ltd – BTA International Fellowship Scheme
• BAPIO Training Academy Ltd – International Training Programme for Postgraduate Doctors
• BAPIO Training Academy Ltd - BTA International Fellowship Scheme – Internal Medicine with interest in Oncology with MSc in Oncology
• Barking Havering and Redbridge University Hospitals NHS Trust - BHRUT Sponsorship Scheme for Overseas Doctors in Clinical Radiology
• Birmingham and Solihull Mental Health NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry (Birmingham)
• Birmingham Women’s and Children’s Hospital – Birmingham Women’s and Children’s International Medical Graduate sponsorship scheme
• Bradford District Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Cambridge IVF, Cambridge University Hospitals NHS Trust – IVF Senior Clinical Fellowship Scheme
• Cambridge University Hospital – Senior Clinical Fellowship Scheme in Intensive Care Medicine/Anaesthesia
• Canterbury Christ Church University
• Cumbria Northumberland Tyne and Wear NHS Psychiatry Fellowship Programme
• Derbyshire Healthcare NHS Foundation Trust - International Medical Fellowship Programme in Psychiatry
• Dudley Group NHS Foundation Trust
• East Lancashire Hospitals NHS Trust - Clinical Fellowship in Urology or Ophthalmology
• East Lancashire Hospital NHS Trust - Specialist Clinical Fellowship in Pain Management
• East London NHS Foundation Trust (ELFT) – ELFT Advanced International Fellowship in Psychiatry
• East Suffolk and North Essex NHS Foundation Trust – ICENI Centre Fellowships Programme
• Edge Hill University and Wrightington, Wigan and Leigh NHS Trust – International Training Fellowships in MCh programmes
• ENT UK – Royal College of Surgeons
• Essex Partnership University NHS Foundation Trust – EPUT Advanced Fellowship in Psychiatry
• Frimley Health NHS Foundation Trust – International Fellowship in Regional Anaesthesia combined with MSc in Principles of Regional Anaesthesia at the University of East Anglia
• Great Ormond Street Hospital International Fellowship Programme
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Critical Care
• Guy’s and St Thomas’ NHS Foundation Trust – International Clinical Fellowship Programme (ICFP)
• Guy's and St Thomas' Hospitals NHS Foundation Trust – Obstetrics and Gynaecology
• Guy’s and St Thomas’ NHS Hospitals Foundation Trust – Oncology Specialty Training
• Guy's and St Thomas' NHS Hospitals Foundation Trust – Specialty Training in Anaesthetics
• Harefield Hospital, Royal Brompton and Harefield NHS Trust – Anaesthesia and Critical Care
• Hertfordshire Partnership University NHS Foundation Trust
• Hull University Teaching Hospitals NHS Trust – International Fellows at Hull University Teaching Hospitals NHS Trust
• Humber Teaching NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Imperial College Healthcare NHS Trust – Emergency Medicine
• Imperial College Healthcare NHS Trust – Haematology
• Imperial College Healthcare NHS Trust – International Anaesthesia Trainees
• Imperial College Healthcare NHS Trust – Intensive Care Medicine
• Imperial College, London - Clinical Research
• King’s College Hospital NHS Trusts – International Critical Care Fellowship
• King’s College Hospital NHS Trusts – Paediatric Critical Care Fellowship
• Lancashire & South Cumbria NHS Foundation Trust - Psychiatry specialty Fellowship Scheme
• Lancashire Teaching Hospitals NHS Trust - Overseas Registrar Development and Recruitment (ORDER)
• Leeds Teaching Hospitals NHS Trust – International Fellowship Programme
• Leicestershire Partnership NHS Trust – International Medical Fellowship Programme in Psychiatry
• Lincolnshire Partnership NHS Foundation Trust – CESR Fellowship in Psychiatry or Sponsored Fellowship in Psychiatry
• Lysholm Dept of Neuroradiology – National Hospital for Neurology and Neurosurgery, UCL
• Manchester University NHS Foundation Trust – International Fellowship Programme
• Midlands Partnership NHS Foundation Trust
• Ministry of Defence – International Military Clinical Fellowships
• Modality Partnership - Modality Primary Care International Fellowship Scheme
• NAViGO Health and Social Care CIC – International Medical Fellowship in Psychiatry
• NHS England, East of England - East of England International Office GMC Sponsorship
• NHS Fife – CESR Fellowship Programme in Psychiatry
• NHS Grampian – Psychiatry CESR Fellowship Programme
• NHS Grampian – Multi-specialty SAS Fellowship
• NHS Wales Shared Services Partnership (NWSSP) – All Wales International Medical Recruitment Programme
• Norfolk and Suffolk NHS Foundation Trust (NSFT) - Advanced Clinical Fellowship in Psychiatry
• North Lincolnshire and Goole NHS Foundation Trust (NLAG) Sponsorship Programme
• Northampton General Hospital – Clinical Fellowship in Regional Anaesthesia
• Northampton General Hospital NHS Trust - International Clinical Fellowship in Regional Anaesthesia, Vascular Anaesthesia, or Peri-operative Medicine
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme
• Northamptonshire Healthcare NHS Foundation Trust – International Clinical Fellowship Scheme (Psychiatry)
• Northern Care Alliance – NCA International Medical Fellowship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford Eye Hospital
• Oxford University Hospitals NHS Foundation Trust – Oxford Intensive Care Medicine (OxICM) Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – Oxford University Hospitals Sponsorship Scheme
• Oxford University Hospitals NHS Foundation Trust – The Oxford International Neonatal and Paediatric Fellowship Programme
• Rotherham Doncaster and South Humber NHS Foundation Trust - Sponsored International Fellowship Scheme in Psychiatry
• Royal College of Anaesthetists – Global Fellowship Scheme (Anaesthesia or ICM)
• Royal College of Anaesthetists – MTI Scheme
• Royal College of Emergency Medicine
• Royal College of Obstetricians and Gynaecologists – MTI Scheme
• Royal College of Ophthalmologists
• Royal College of Paediatrics and Child Health – International Paediatric Sponsorship Scheme
• Royal College of Paediatrics and Child Health – MTI Scheme
• Royal College of Pathologists
• Royal College of Physicians of Edinburgh
• Royal College of Surgeons of England
• Royal College of Physicians of London
• Royal College of Physicians and Surgeons of Glasgow
• Royal College of Psychiatrists – MTI Scheme
• Royal College of Radiologists – Clinical Radiology
• Royal College of Radiologists – Clinical Oncology
• Royal College of Radiologists – RCR Specialty Training Sponsorship Scheme
• Royal College of Surgeons of Edinburgh
• Royal Devon and Exeter NHS Trust
• Royal Papworth Hospital NHS Foundation Trust – Senior Clinical Fellowship Programme in Anaesthesia and Critical Care
• Royal Wolverhampton Trust – Clinical Fellowship Programme
• Sheffield Children’s NHS Foundation Trust - Rotational Clinical Fellows in Paediatrics, Trauma and Orthopaedic International Fellows, and Subspeciality Fellows in Paediatrics
• Sheffield Health and Social Care NHS Foundation Trust - International Medical Fellowship in Psychiatry
• Somerset NHS Foundation Trust – Somerset Overseas Doctors Sponsorship Scheme
• Somerset NHS Foundation Trust – Psychiatry Overseas Doctors Sponsorship Scheme
• South Warwickshire University NHS Foundation Trust - GMC Multispecialty Sponsorship Scheme
• South West Yorkshire Partnership NHS Foundation Trust – International Fellowship in Psychiatry
• Southmead Hospital, North Bristol NHS Trust – International Obstetrics and Gynaecology Training Programme
• St Bartholomew’s Hospital, Barts Health NHS Trust – St Bartholomew’s Critical Care Fellowship
• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.