I had invested in total 10 funds there are 3 sectorial/ thematic funds -Adithya birla psu, quant infrastructure, hdfc defence,and 3 small cap funds -axis, quant ,Nippon and 1 large cap fund- nippon and 2 mid caps funds -quant, Nippon and 1 flexi cap-parag Parikh...is my portfolio good or any changes required please review

Ans: Investing for your child's education is a thoughtful decision that requires careful consideration. I appreciate your dedication to securing their future. Let's delve into selecting the right mutual fund for this purpose.

Understanding Your Investment Horizon and Risk Appetite
Investing for your child's education over a ten-year period is a commendable strategy. Since you're comfortable with high risk, you have the potential for higher returns over the long term.

Evaluating Mutual Fund Options
When considering mutual funds for your child's education, it's essential to focus on funds with a proven track record of long-term growth. Look for funds managed by experienced professionals with a history of delivering consistent returns.

Active vs. Passive Management: Making the Right Choice
While index funds offer low fees and broad market exposure, they may not outperform actively managed funds, especially during volatile market conditions. Actively managed funds, overseen by skilled fund managers, have the flexibility to adapt to market changes and potentially outperform the market indices.

Emphasizing the Benefits of Active Management
Actively managed funds offer the advantage of professional oversight, where fund managers actively research and select investments to maximize returns and mitigate risks. This approach can be particularly beneficial in volatile markets, helping to navigate uncertainties and capitalize on emerging opportunities.

Disadvantages of Direct Funds and the Benefits of Regular Funds through a Certified Financial Planner
Direct investing requires significant time and expertise to research, select, and monitor investments effectively. By working with a Certified Financial Planner (CFP), you gain access to professional guidance and personalized investment strategies tailored to your financial goals and risk tolerance. Through a Mutual Fund Distributor (MFD) with a CFP credential, you can benefit from ongoing support and portfolio reviews, ensuring your investments remain aligned with your objectives.

Making an Informed Decision
Consider mutual funds with a focus on sectors or themes aligned with your child's educational aspirations. Diversification is key to managing risk, so opt for funds with a well-balanced portfolio across various asset classes.

Conclusion
Investing in mutual funds for your child's higher education requires a thoughtful approach that considers your investment horizon, risk tolerance, and the expertise of fund managers. By leveraging the benefits of active management and seeking guidance from a Certified Financial Planner, you can make informed decisions that lay the foundation for your child's bright future.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: 100 minus your age, so if you are 30 yrs old then 100-30=70, so 70% to equity

Ans: Few suggestions - Address the reason she is ignoring you for. Apologise if you have upset her and mean the apology. Give it time, allow her to calm down - wait for her to reach out.

Ans: Hello. Thank you for contacting us. It is understandable that you are concerned about your son’s future early on. Since your son is in 12th grade with commerce subjects and applied mathematics, he can choose to pursue business admission or management, economics, accounting, finance, or economics in his bachelor’s. It would be good if you encouraged him to do some extracurricular activities in order to strengthen his university applications.

In terms of countries, the USA, UK, Canada, Australia, and Germany are some of the best countries to pursue an accounting program. Furthermore, the cost of studying in each country would vary. It is preferred that you let us know if there is any specific country in mind so that we may be able to guide you further.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: There are not many good colleges that take up MAT as an entrance test. But can try the following
Dalmia - Mumbai
SIES - Mumbai
Birla Institute
Amity Noida

Ans: I dont think you need to do any course unless you are looking at shifting to a different domain. Directly apply to MNC banks. Contact placement agencies and take their advice. There are placement agencies that cater to Banks who could help you get the desired role. Can also directly apply to different banks.

Ans: Doing Executive MBA could definitely help you in your career. But considering that you are already earning 1 lakh per month, try doing MBA from only the top institutes. You would have to prepare for GMAT exam.

Ans: Its not late. you can look at either doing Executive MBA from some of the top colleges or doing some relevant course that would help your switch. Problem with switching to IT would be that you would have to start as a fresher.

Ans: Switching jobs to a completely different domain would be difficult and you would have to start from scratch. Instead look for something that is relevant to your field like Insurance and try to see if there are any openings at Managerial level where you can apply. Openings need not be in Sales but could be in other domains relevant to your field.