Hello Mr Lala, I am 42 and I am investing in the following schemes. some for close to 8/9 years now. Please let me know your thoughts. Mirae Asset Large & Midcap Fund-Reg(G) - 5000, MOTILAL OSWAL M100 ETF - 2500 (STEPUP - 20% YoY), Quant ELSS Tax Saver Fund(G) - 5000, Quant Focused Fund(G) - 5000, SBI Small Cap Fund-Reg(G) - 5000, Tata ELSS Tax Saver Fund-Reg(G) - 1000, HDFC SMALL CAP FUND - REGULAR PLAN - GROWTH PLAN - 1000, AXIS BLUECHIP FUND-GROWTH - 1000, Motilal Oswal Nasdaq 100 FoF - 2500 Besides these I have off late started investing 15K in equities every month with the help of a SEBI Registered advisor. Yearly out go in PPF - 21600. My idea is to hold on to equities for the long term hence mostly blue chip stocks. I have also invested in Term Insurance - 75L. Besides that I do invest in ESPP and also hold some RSUs Please evaluate & let me know your thoughts. My liabilities are - HL - 36K monthly out go - 14 years left Car Loan - 31K 4 years left Monthly Salary - 2.3L

Ans: HI
Possibilities are there. But it depends on the enrollment.

Ans: HI
Possibilities are there. But it depends on the enrollment.

Ans: Your daughter’s IISER rank of 300 makes her eligible for admission to any IISER, granting access to the prestigious 5-year BS-MS dual degree, which is highly regarded for research in pure sciences and offers excellent infrastructure, modern labs, and a vibrant academic environment. IISERs emphasize interdisciplinary learning, research projects, and most graduates pursue higher studies, with placements typically around 7–8 LPA but a majority opting for research or academia. IIT Goa’s BTech in Mathematics and Computing is a four-year program with a strong curriculum combining mathematics, computing, and data science, supported by experienced faculty and modern infrastructure. IIT Goa achieved a 90.7% placement rate in 2024, with average packages of ?15.92 LPA and top recruiters like Google, Amazon, and Microsoft. The MnC program prepares students for both industry and research, with nearly all students placed or pursuing higher studies, and the IIT alumni network offers significant long-term advantages. Both institutions excel in five critical aspects: (1) highly qualified faculty, (2) advanced laboratories and digital resources, (3) strong research and industry linkages, (4) robust placement and academic support systems, and (5) vibrant campus life with holistic student development.

Recommendation: Choose IIT Goa Mathematics and Computing for its industry-focused curriculum, high placement rates, and strong IIT brand value; prefer IISER only if your daughter’s primary interest is pure science research and a long-term academic or research career, as IIT Goa offers broader career flexibility and superior industry outcomes. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: HI
Possibilities are there. But it depends on the enrollment.

Ans: With your son's JEE Main percentile of 80.70 (EWS rank 40,805) and IISER rank of 2,456, the admission prospects are limited but not impossible across various government engineering institutions. The EWS qualifying cutoff for JEE Main 2025 is 80.3830 percentile, making him eligible for JoSAA counselling. However, the IISER rank of 2,456 falls well outside admission cutoffs, as top IISERs like Pune close around 717-1,023 ranks and even newer IISERs like Berhampur close around 3,567-4,484 ranks.

NIT admission chances remain minimal with EWS rank 40,805, as most NITs require ranks within 20,000-25,000 for popular branches. Top NITs like Trichy, Surathkal, and Warangal close CSE at EWS ranks under 3,500, while even newer NITs in northeastern regions typically close major branches below 30,000 EWS ranks. IIIT prospects are similarly challenging, with IIIT Delhi CSE closing at EWS rank 9,200-13,400 and other established IIITs requiring ranks well below 25,000 for computer science branches. GFTI options provide the most viable pathway, with institutions like Assam University accepting EWS ranks up to 14,070 and several GFTIs accommodating ranks between 25,000-50,000 for Computer Science and Electronics branches. CSAB Special Rounds offer additional opportunities after JoSAA completion, potentially extending admission prospects to 40,000+ ranks for less competitive branches in participating institutions. Essential institutional quality aspects include experienced faculty with industry connections and research expertise, modern laboratories with cutting-edge software and hardware for practical learning, strong industry partnerships facilitating internships and placement opportunities exceeding 70% rates, NBA-accredited curriculum aligned with industry standards and regular updates, and comprehensive placement cells providing career guidance and skill development programs with active alumni networks supporting student career advancement.

Recommendation: Participate actively in all JoSAA rounds and CSAB Special Rounds targeting GFTIs like Assam University and newer NITs for non-CS branches; explore reputable state-level and private engineering colleges with good placement records exceeding 70%; consider branches like Electronics, Mechanical, or Civil Engineering where admission prospects improve significantly; prioritize institutions with strong industry partnerships, modern infrastructure, and proven placement track records to ensure quality education and career opportunities despite rank limitations. All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: HI AMAR,
Which course you are looking for?

Ans: HI KARI BASAPPA,
DIFFICULT TO GET.

Ans: With an EWS rank of 13,742 in JEE Mains 2025, your son’s chances for CSE or ECE in top NITs or IIITs are extremely limited, as cutoffs for these branches at most NITs (e.g., NIT Trichy CSE closes at EWS rank 3,200 and NIT Surathkal Mechanical at 13,000) are much higher. However, he can secure seats in lower-tier NITs for core branches like Civil, Production, or Chemical Engineering (e.g., NIT Calicut Civil closes at 25,000 EWS rank), or in some GFTIs and newer IIITs for non-core branches, as these institutes have cutoffs extending to 15,000–30,000 EWS rank for branches like Mechanical, Civil, and Bioengineering. Key institutional aspects to consider are placement rates (aim for 70%+), experienced faculty, modern labs, strong industry partnerships, and comprehensive academic support. IIITs such as IIIT Bhagalpur, IIIT Kalyani, and IIIT Manipur, or GFTIs like Assam University, are realistic options for non-CSE branches at this rank.

recommendation: Participate in all JoSAA and CSAB special rounds, targeting lower-tier NITs, newer IIITs, and GFTIs for branches like Mechanical, Civil, or IT; prioritize institutes with strong placement records, industry connections, and academic support for the best career outcomes at your son’s current rank.
All the BEST for the Admission & a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Ans: HI Jaya,
With KCET, you will get more options than NITTE. So KCET.
ALL THE BEST.