I bought Chennai Petro @302/- can I hold or sell pl.advise...

Ans: Better to consult a Nephrologist for further evaluation and get necessary treatment.

Ans: No.

Ans: Consult a Urologist.

Ans: OK.. Bcom done now want income.

You are the cause of your confusion because you have no focus.. too many thing's in your head without an action plan..!

Oh.. my dress designing is your passion, then what to do with your Bcom.. Clarity of thought prevents confusion!

Decide what you want to do, don't be fickle minded and jump from frying pan to fire!

Plan your work and Work your plan..!
Get a resume done no more than 2 page's
Time to be employed!

Slowly but surely you will achieve your goals... No Quick-Fix !?

Ans: Your name is Yash =Success, but you are far from it because you are on the wrong path.

The education and job as per your statement now matches your profile ,but you are not satisfied because of your work time.. Understand your predicament!

Travelled by bus,train ...realised how many hour's they are driving for you.. When you sleep!?
Forget about being a soldier you cant qualify!

Looking for a cushy and comfortable job, you have just started young man.. Get your thought process right!

The Civil Service means Govt job and you think, once you get it, you can then ruminate!?
Not any more, everywhere there are deliverable's.

Now the balance for work & life balance comes when you have the income to treat yourself, let alone repay the debt of your parent's.

Nobody stops you to do what you love but after a good days work.. Man!?

There's nothing called freely work, all gods children have bosses ,except GOD !

So your confusion of work timings will end, when you have the determination to dedicate & deliver ...success!
Got it.. there's nothing that comes on a platter! Go get it before you are left behind.. Be the YASH!

Ans: Excuse me! You are pursuing something without knowing, give me a break.. Doing what Deepak,Amit or Rajesh is doing won't necessarily help you.. Got it!?

If you want to get an idea and career path, you need to do your home work.
Nobody helps anybody who doesn't want to help himself!

Start now search for companies in the field understand their activity.
Plan your work.. Work your plan!?

Surely and steadily you will ideate.. and execute.. Any doubts.. Try try.. Got it!

Ans: It's important to realise that you are already pursuing B.Tech, but are already behaving like a robot, if you want to be a robotic engineer, it's not anyone or anybody but you who needs to do it! ..get cracking!?

Here's some info:

According to PwC, AI, robotics, automation, and autonomous machines will drive 70% of GDP growth between now and 2030 globally.

"84% of Indian organizations will scale up their RPA initiatives or achieve an enterprise-wide RPA deployment by 2025."

So you will be ready by then, if you are capable, have the ability and aptitude to qualify for the elite program in the IISC.. Best of Luck!

Ans: Dear Sir/ Madam,

Shifting departments and starting a new career need a careful consideration.
You can consider making a few changes in order to start cracking interviews.
1. Identify your transferrable skills and highlight them
2. Update and tailor your resume according to the job requirements
3. Be active on Linkedin
4. Work on your English Communciation Skills by practicing continuously and consuming English media
5. Prepare for interviews by appearing for mock interviews on multiple sites like InterviewBit
6. Learn to network and look for references around you, usually a good opportunity is always somewhere around, we just need to find it.
7. Look for additional certifications/ qualifications relevant to your profile and interest to boost your resume
8. Look for a mentor who can keep you motivating constantly and stop you from second guessing yourself

Have patience, and be persistent. You are embarking on a new journey and I wish you all the possible luck.
Wishing you all the best!
Regards
Ashwini Dasgupta
[Author of Confidence Decoded. Is it a Skill or Attitude?]

Ans: t's commendable that you're planning for your retirement and seeking to explore mutual fund investments to achieve your financial goals. Here's a tailored approach to help you get started:

Selecting Mutual Funds: Since you're aiming for long-term wealth accumulation with the goal of generating a pension-like income at the age of 55, consider investing in a mix of equity and debt mutual funds to balance growth potential with capital preservation. Look for funds with a track record of consistent performance, experienced fund managers, and low expense ratios. You may consider diversified equity funds, balanced funds, and debt funds based on your risk tolerance and investment horizon.
Investing Directly?
investing directly in mutual funds without professional guidance can pose certain risks. Here are some perils to consider:

Lack of Expertise: Direct investing requires a deep understanding of the mutual fund landscape, market dynamics, and investment strategies. Without proper knowledge, you may struggle to select the right funds and construct a well-balanced portfolio.
Risk of Mistakes: DIY investing increases the risk of making costly mistakes such as selecting unsuitable funds, mistiming the market, or misinterpreting fund performance data. These mistakes can hinder your investment returns and jeopardize your retirement goals.
Limited Access to Research: Individual investors may have limited access to research tools, market insights, and expert analysis compared to financial professionals. This can make it challenging to make informed investment decisions and navigate complex financial markets effectively.
Lack of Personalized Advice: Investing directly means missing out on personalized financial advice tailored to your unique needs, goals, and risk tolerance. A Certified Financial Planner or Mutual Fund Distributor (MFD) can provide valuable guidance and help you build a customized investment plan aligned with your objectives.
Considering these challenges, I would recommend considering regular mutual funds through an MFD. An MFD can offer personalized advice, recommend suitable mutual funds based on your financial goals and risk profile, and provide ongoing support to help you navigate the investment landscape effectively.
Lumpsum Investment: Regarding your maturing fixed deposit of 11 lakhs, consider your risk tolerance and investment goals before deciding how to deploy this amount. Since you have a relatively short time horizon until retirement, you may consider investing a portion of the amount in debt funds for stability and liquidity, while allocating the remainder to equity funds for potential growth over the long term. Alternatively, you can stagger your investments over time through systematic transfer plans (STP) to mitigate timing risk.
Regular Monitoring: Once you've invested in mutual funds, monitor your investments regularly and review your portfolio periodically to ensure alignment with your financial goals and risk profile. Consider rebalancing your portfolio if needed based on changes in market conditions or your financial situation.
By following these steps and staying disciplined with your investment approach, you can work towards building a robust investment portfolio to support your retirement goals while safeguarding your investment against inflation.

By working with an MFD, you can access professional expertise, receive personalized recommendations, and benefit from ongoing guidance to make informed investment decisions and achieve your retirement goals more effectively.

If you have any further questions or need assistance, feel free to reach out to a Certified Financial Planner or Mutual Fund Distributor for personalized advice and support.