Your advice is highly appreciated. I have made a few investments in the past year and am thinking of adding a Gold ETF to the list.

My horizon is 14 years and am planning to retire by 50.

Please suggest your valuable feedback. Also, can I add an arbitrage fund and a hybrid fund which is good over this period if required to make a safe corpus?

Mutual Funds	Amount
1. Mirae Asset Large Cap Fund	Rs 2,000
2. PGIM India Midcap Opportunities Fund	Rs 2,000
3. Kotak Emerging Equity Fund	Rs 2,000
4. Franklin India Prima Fund	Rs 2,000
5. Nippon India Small Cap Fund	Rs 2,000
6. Kotak Small Cap Fund	Rs 2,000
7. L&T India Value Fund	Rs 2,000
8. Kotak India EQ Contra Fund	Rs 3,000
9. Quant Focused Fund	Rs 1,000
10. ICICI Prudential Technology Fund	Rs 2,000
11. UTI Flexicap Fund	Rs 1,000
12. Kotak Flexi Cap	Rs 1,000

Ans: Dear Anonymous,
When the mind is not directed by you, it will go all over the place, search and lands on something that is easily accessible and which keeps you distracted.
This distraction is an easy go-to place and slowly it starts to become a habit. So, the key is to find out when is it that you usually reach out to your phone and soon get addicted. There could be a number of reasons. It could be because you are avoiding some work or you are stressed about something or you are simply bored.
Find what is it that causes you to start using your phone a lot. That is the time to distract yourself with something more useful, so that this habit is broken...Direct the mind to where it must go otherwise it will direct you to where you must go and that's not a great thing.

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

Ans: Dear Anonymous,
What's common and what's not is now left for people to decide. Ultimately, it's a choice that people make, right?
It will be wise if people start to think about consequences of any action. In your case, did you stop to think about what would happen if your girlfriend finds out and how will this impact the relationship between the mother and daughter. An isolated world does not exist and someone's action will always and almost impact someone...
So, rather than justifying to yourself if this is common or not, maybe it you can start to think how your actions is going to impact the people involved in this triangle and most often it doesn't end very well.

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

Ans: I think main priority is your wife's Govt. service. So in every 2-3 years you need to move with her. So I won't suggest Govt. Service. You can do business of such type which you can run from all the places where she will be transferred in future. The main thing I want to know your qualification and experience for guiding you in a better way. Just follow me. Best of luck. Professor..............................................:)

Ans: You can do DS course from IIT Chennai. Another good site is NPTEL, where you will get a lot of courses

Ans: Recommendation
Primary Choice: M.Tech in Biomolecular and Bioprocess Engineering at IIT Delhi

Closely aligned with your biotechnology background.
Better placement opportunities in biotech and biopharma sectors.
Offers a specialized skill set valuable for industries.
Alternative Choice: M.Tech in Environmental Science and Engineering at IIT Bombay

Good if you're interested in environmental sustainability.
IIT Bombay’s strong placement network ensures good opportunities, but the field is different from your core biotech knowledge.
Stay at IIT Tirupati: Only if switching to IIT Delhi is not feasible. Chemical engineering placements are broad but may not leverage your biotechnology background fully.
Choose your M.Tech, then I will talk about tools.

Ans: Hello;

The exit date updation is essential before withdrawal.

You may visit the assigned EPFO office with supporting documents and discuss with concerned officers for satisfactory resolution.

Else you may file a grievance with EPFiGMS portal regarding the problem faced by you pertaining to the exit date updation.

You may also approach them on social media, if needed.

Best wishes;

Ans: Definitely Python

Ans: Hello;

You have a sip in an ETF that tries to mimic the performance of nifty midcap 150 index.

So the ETF returns will emulate index returns be it positive or negative.

If you have a long-term horizon then you shouldn't be worried about such short term volatility.

Also remember the standard disclaimer about mutual funds:
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.

ETFs are kind of mutual funds that are traded on the exchanges.

If you are getting affected by the market volatility then you need risk profiling and apt advice as to where you should invest.

Happy Investing;

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