Hello Sir.I am 30 year old from Kolkata,I have been investing in Mutual Fund for SIP of Rs.5000/- monthly since October 2021 with a plan for long term investment.My Portfolio has this equity diversification i.e.Axis Focused 25 Fund Direct Plan Growth,Mirae Asset Large and Mid Cap- Direct Growth plan,Nippon India Small Cap Fund Direct plan growth,HSBC Small Cap fund Direct growth plan and SBI Small Cap Fund Direct Plan Growth. All these all together have accumulated alongwith profit and loss amount of Rs.152000/- .Now whether can i withdraw profit amount only and invest in lumpsum to different fund manager without stopping existing SIP? Also suggest me good portfolio with good return over long term.Please Sir Thanks and Regards Praveen Das

Ans: Hello Sir,
below can be career avenues for your son.

Clinical Laboratory Technologist/Technician: This is the most common career path for MLT graduates. You could work in hospitals, clinics, diagnostic laboratories, or research facilities, performing tests on patient samples to assist physicians in diagnosing and treating diseases.

Research Assistant: MLT graduates can work as research assistants in laboratories, assisting scientists and researchers in conducting experiments, analyzing data, and contributing to scientific discoveries.
Quality Control Technician: You could work in pharmaceutical or biotechnology companies, ensuring that products meet quality standards by testing raw materials, intermediates, and finished products for purity, potency, and safety.

Infection Control Officer: With additional training or certification, you could work as an infection control officer, responsible for preventing and controlling infections in healthcare settings by monitoring and implementing protocols to ensure patient and staff safety.

Public Health Officer: MLT graduates can work in public health departments or government agencies, contributing to disease surveillance, outbreak investigations, and health promotion programs aimed at improving community health.

Healthcare Information Specialist: With additional training in health informatics or medical coding, you could work as a healthcare information specialist, managing and analyzing patient data to improve healthcare delivery and outcomes.

Education and Training: If you enjoy teaching, you could pursue a career as a teacher or instructor in MLT programs, training future laboratory professionals.


Specialized Laboratory Technologist: MLT graduates can choose to specialize in areas such as microbiology, hematology, immunology, or molecular diagnostics, focusing on a specific area of laboratory testing.
Phlebotomist: If you enjoy working directly with patients, you could become a phlebotomist, responsible for drawing blood samples for laboratory testing.


Healthcare Administration: With additional education or experience, you could pursue a career in healthcare administration, managing laboratory operations, budgets, and personnel.

Ans: Hi,
To be honest, competition is increasing every year in the medical field. for an open category student score of 600+ is needed for govt. or semi govt colleges. you can get admission in other states but in private institutions. If you are confident enough of scoring 600+ marks then only for 3rd drop. Or we can explore avenues of MBBS abroad if you have budget constraints.

Ans: Hi,
don't feel bad, go for personality improvement classes along with English. prepare yourself for aptitude tests of companies & improve your knowledge it will help you in getting job in tier-1 cities.

Ans: Hi,
Since JEE results are out if you can share your ranks, category & state it will be easy for me to guide you.

Ans: Hi Gagan,
First of all congratulations on such an outstanding feat. In India, M.Tech mostly takes one to the research & teaching field, unlike MS from abroad. I would suggest letting him work for 2-3 years & go for an MBA from a reputed institute that will help him a lot. I am sure your son will be able to crack the CAT with a good rank.

Ans: Hi,
unlike earlier when foreign medical graduates used to clear a qualifying exam to practice in India, this exam has been made compulsory for Indian medical graduates also. The minimum complete package for Central Asian countries starts at 20L. You can contact in-person for further details & admissions guidance.

Ans: Hello

Yes there are enough opportunities available for her...please apply to companies directly and also approach placement consultants.

She can also explore freelancing opportunities.

All the best.

Ans: It's great that you're thinking about your financial future at such a young age. Saving for a home and building wealth is wise.

Budgeting: Create a simple spreadsheet or use a budgeting app to track your income and expenses. This will help you understand where your money is going each month.

Emergency Fund: This fund acts as a safety net in case of unexpected expenses like medical emergencies or job loss. Aim to save enough to cover three to six months of your living expenses.

Investments for Wealth Creation: Mutual funds and Systematic Investment Plans (SIPs) are popular options for long-term wealth creation. They pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.

Saving for a Home: Fixed deposits (FDs) or recurring deposits (RDs) are low-risk options for saving towards your home purchase. They offer guaranteed returns over a fixed period, making them suitable for short-term goals like a down payment.

Risk Management: Since your goal is to buy a home in 3 to 4 years, it's crucial to avoid high-risk investments like individual stocks or cryptocurrencies. These investments can be volatile and may not align with your short-term goals.

Diversification: Spread your investments across different asset classes to reduce risk. For example, you could invest in a combination of FDs, mutual funds, and SIPs to achieve a balanced portfolio.

Consultation: While these are general suggestions, it's essential to seek personalized advice from a Certified Financial Planner. They can assess your financial situation and provide tailored recommendations based on your goals, risk tolerance, and time horizon.

By following these steps and staying disciplined in your savings and investment approach, you can work towards achieving your goals of homeownership and wealth creation.

Ans: Hi!!

Can I begin by saying, "stop blaming anyone for your circumstances". Your sister advised you for your own good. Engineering is a good degree to have. If you are not happy with doing technical work then see if you can add an MBA or some other skills to increase your chances of earning more. Life is all about taking decisions on a minute to minute basis. Take the right decisions now, let's leave the past behind, thinking about it has no meaning now.
... will you promise me not to indulge in the three c's- don't COMPLAIN, CRITICIZE and CONDEMN!!
Let's look forward now ...
I always believe in putting everything that overwhelms me on paper... then it starts looking doable and simpler!
So that's your first task, put everything on paper( make a goal book, write everything in it), your desires, your dreams, your goals and a everyday to-do list.
The goals should be in every aspect of your life....
1. Financial Goal
2. Career Goal- what other skills do you need to earn the money you need and move ahead in your career
3. Relationships Goal, the quality of your life is based on the quality of your relationships
4. The goal of your physical and mental well being, if you are mentally and physically fit then you can live life well
5. How to be happy without any reason, that's your primary goal.... ask yourself "what are the ways in which I can have fun where money is not involved" - looking at the sun, spending time in nature, listening to the birds singing, playing with small children( they just want you, not your money), helping someone in need, sipping coffee peacefully, make a list of all these and try doing at least two of them every day.

I don't know how good is your relationship with your sister, you say she is doing well, can you ask for her help, without blaming? Ask for help and learn from her. I am sure blood is always thicker and she will help you.

Life is never a straight line, there will always be an up and a down!

Keep up your spirits, everyday is a new day, don't blame yourself, don't blame others. be kind to yourself and be kind to others.

Everyday, take one step towards your goals, move forward... and as regards to ageing, believe me age is just a number, you are as young as you think!!

Here's wishing you a happy, healthy , wealthy life ahead!!