First of all, I am a big fan of your column.

Please keep up the good work.

I would request you to please share some information around long term (horizon) equity (risk appetite high) mutual funds which Canadian citizens can purchase.

Also, as the market being high and I, a Canadian resident, have some surplus in hand, would you advise investing lump sum or park in bank and invest via SIP?

Ans: Here are some suggestions for your Son who is interested in building a career in Geography.

Academic Pathways: 11th & 12th Grade: Geography and Science subjects can be combined. Undergraduate Studies: B.A./B.Sc. in Geography or B.Sc. in Geoinformatics are ideal. Postgraduate Studies: M.Sc. in Geoinformatics, Remote Sensing, or GIS.

Career Options:
(1) Geoinformatics and GIS Specialist: Manage and analyze spatial data for urban planning, agriculture, environment conservation, and disaster management.
(2) Cartographer: Create digital maps and models using satellite data.
(3) Remote Sensing Analyst: Analyze land usage, environmental changes, and agricultural patterns.
(4) Urban and Regional Planner: Use GIS to design sustainable urban infrastructure.
(5) Environmental Consultant: Use geospatial data to assess environmental impact.
(6) Surveyor and Geodesist: Measure Earth’s shape for infrastructure development or scientific research.
(7) Academia and Research: Opportunities in teaching Geography or researching climate change, ecosystem management, or spatial technologies.

Relevant Skills and Certifications: GIS Software Proficiency: Knowledge of GIS software like ArcGIS, QGIS, and ERDAS, Programming and Data Analysis: Basic understanding of Python or R, Remote Sensing: Familiarity with remote sensing technologies.

Key Institutes for Geography and Geoinformatics in India: Indian Institute of Remote Sensing (IIRS), Dehradun, Indian Institute of Technology (IIT), Symbiosis Institute of Geoinformatics, Pune, University Departments: Jawaharlal Nehru University (JNU), Delhi University, and Madras University.

Emerging Areas and Career Prospects: Smart Cities and Urban Development, Climate and Environmental Studies, Agriculture and Natural Resources Management.

Professional Certification Programs: Organizations like the Indian Society of Remote Sensing (ISRS) and the Geographic Information System Certification Institute (GISCI). All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Ans: Yes Vinay Sir, She will be treated as a NRI only. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

Ans: Hi Reshma,

What exactly do you need from my side?

As you know, both fields are different and each requires practice to gain expertise. BDS (Bachelor of Dental Surgery) is an undergraduate program in dentistry, while PharmD (Doctor of Pharmacy) is considered a postgraduate course. After completing a PharmD, one must consider pursuing a doctorate program, and there are currently no specializations available in India. However, abroad, you can claim expertise in a specific department.

On the other hand, after completing BDS, you can pursue a specialization at the postgraduate level and also have the opportunity to open your own clinic.
I have highlighted the most important factors. I believe this information may be sufficient for you to decide the course. If not, please send your query to the Rediff platform.

Ans: You've enrolled in the course and started paying tuition fees, so try not to regret it. Focus on how you can make the most of this investment. While doing your internship, consider looking for part-time jobs at hospitals or exploring remote work opportunities for physicians. Take the time to explore various possibilities. Best of luck!

Ans: Hello;

Through PPFAS flexicap fund you also get exposure to US tech stocks like Alphabet, Microsoft, Amazon and Meta.

My suggestion would be to allocate entirely to PPFAS flexicap fund, monitor performance for 2-3 years and then make changes, if required.

Also my advice would be to shift to Nippon India Multicap Fund.

Happy Investing;

You may follow us on X at @mars_invest for updates.

Ans: Hello;

What is the expected monthly rental from industrial plot and machinery?

Are you currently occupying one of the flats mentioned here or are all of them given on rent?

Also your term life insurance is very low. You should have minimum term insurance cover of 2.4 Cr.

You have good assets in agri land, industrial land, gold, real estate but they are relatively illiquid when need arises hence term insurance cover with riders for critical care and accident benefit are an absolute must!

Considering the home loan tenure of 17 years and 3 small kids in the family to be supported for education and decent lifestyle, I am not sure if you can retire in 7 years timeframe from now.

However I would appreciate your reply to my queries above, before I give my firm view about your retirement in 7 years timeframe.

Best wishes;

Ans: Hello Haider
Are you sure that you can crack JEE 2025 with cut-off marks? If Yes, then you have to think. But if not, you can proceed with filling the form with the 10th mark sheet DOB. At least in 1st trial, you can check your eligibility to face the examination. If in the January attempt, you feel you can crack the JEE examination, you can exercise change of birth on your documents and submit an affidavit to JEE authorities at the time of the 2nd attempt (i.e. in the April session). However, it is recommended that you contact the helpdesk numbers. Copy and paste the following link for further assistance: https://jeemain.nta.nic.in/contact-us/
Without any hesitation, please call the numbers mentioned on the website to make it clear from your side and via official authorities.
Yet to avoid further complications in any admission process, update your all documents with the correct information.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Ans: all above mentioned stocks are penny stocks and BAD quality. There is no target for such companies as they are treated as GARBAGE for me.

Ans: Hello;

Not possible to share excel sheet here but calculation is given below;

Employee contribution (EPF): 12% of basic(20000)= 2400

Employer contribution (EPF): 3.67% of basic(20000)=734

Employer contribution (EPS): 8.33% of Basic or 15K= 1250

Best wishes;