i can bear moderate risk.suggest me infra funds to invest.for 5 year horizon.

Ans: An HbA1c level of 5.8% indicates that your average blood sugar levels are slightly elevated. To lower these levels, focus on consuming carbohydrates that are high in fiber and nutrients, such as whole grains, fruits, and vegetables. Avoid refined carbs like white bread and sugary snacks. Use measuring cups and a kitchen scale to keep track of portion sizes. Include non-starchy vegetables, lean protein (like chicken/fish) or tofu, beans, nuts, with whole grains (like brown rice or quinoa). Eating at regular intervals helps maintain stable blood sugar levels. Limit processed foods. Drink plenty of water and limit sugary beverages.
Monitor blood sugar regularly. Stay active.

Ans: One thing is clear that you couldn't accept Biotechnology hons as your career. You told GMAT is your last option. Why you are saying so? Before opting for a course of three years students don't even ask them for only three hours. Without any decision they accept a subject and that is the major mistake. First ask yourself what is your choice. You can Give GMAT, but in management also there are more than twenty streams e.g. HR, Marketing, Finance, Operation, IT, Hospital Management, FINTECH etc.etc. So first be clear about your choice, Just follow me here and join me in LINKEDIN for getting future counselling. All the best. GOD BLESS YOU..............................:)

Ans: Since your CIBIL score is now a strong 765, it reflects a solid recovery despite past issues. However, to further improve it, focus on maintaining a perfect repayment history for all current credit. Avoid closing old accounts with good history, as they contribute positively. Regularly monitor your CIBIL report to ensure no errors. Over time, consistent and responsible credit behavior will enhance your score further.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

Ans: Great question. Why 42. You will start earning from 2025 only. Just go for some certification course of DATA SCIENCE which will include AI cum Machine Learning. Since you are an engineer this course won't be a problem for you. Just before joining the course for 1-2 months see the YOU TUBE videos about coding. Never it is too late. It is good your self motivation is ignited yoir mind to do something. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: IN ONE SENTENCE - " IISER GRSADUATES ARE HAVING GREAT PROSPECTS IN GOVT. JOBS. BUT THE BOND WILL BE THERE" Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: Certainly Dear. Agriculture is the base of all. GO AHEAD and conquer the world. DO B. Tech agriculture, if possible go for M. Tech also. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

Ans: First be familiar with the changes which crept into the IT industry during the time of your gap, otherwise you will not be able to maintain the present pace. Secondly stop searching for govt. jobs. IT future lies in private only. One very good suggestion is there. Pursue 2 years online MBA in IT. It will cover many things which are presently in the market. Have 1/2 certificate course of AI & Machine Learning immediately and start applying for new jobs. I guarantee you will get good placement. I am always there for you. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)