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Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 26, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
sunil Question by sunil on Sep 26, 2024Hindi
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i went to do swp

Ans: SWP, or Systematic Withdrawal Plan, allows you to withdraw a fixed amount of money from your mutual fund investment at regular intervals, typically monthly. It is the reverse of a SIP (Systematic Investment Plan), where instead of investing regularly, you withdraw regularly. SWP can provide a steady income while keeping your investment growing.

It’s an excellent option for generating regular income, especially for retirees, as it offers more flexibility and control compared to traditional investments.

Benefits of SWP
Regular Income: SWP gives you a fixed regular payout, which is helpful in meeting your monthly expenses.

Tax Efficiency: Compared to traditional fixed-income options like fixed deposits, SWP is more tax-efficient. Withdrawals are subject to capital gains tax, which is lower than income tax on FD interest.

Capital Preservation with Growth: Even as you withdraw regularly, the remaining portion of your investment continues to grow, potentially covering inflation and increasing your wealth over time.

Flexibility: You can choose the amount and frequency of your withdrawals—monthly, quarterly, or annually—depending on your needs.

Avoid Timing the Market: With SWP, you don’t need to worry about market ups and downs because your withdrawals happen at regular intervals, averaging out the price movements.

How to Set Up SWP?
Setting up an SWP is straightforward. Here’s a step-by-step guide to help you get started:

Select the Right Mutual Fund:

Choose a balanced or debt-oriented mutual fund that aligns with your risk tolerance.
If you prefer safety and steady returns, a debt mutual fund or hybrid fund might be suitable.
Decide on Withdrawal Amount:

Determine the fixed amount you want to withdraw monthly. Make sure it’s sustainable based on your initial investment and the expected returns.
A conservative withdrawal rate (e.g., 6%–7% annually) will ensure your principal isn’t depleted quickly.
Frequency of Withdrawals:

Choose how often you want the withdrawals—most common is monthly. You can also opt for quarterly or yearly based on your income needs.
Submit SWP Request:

Once you’ve chosen the fund and decided on the withdrawal amount and frequency, submit an SWP request with your mutual fund house or through your financial advisor.
You can also modify the withdrawal amount later if needed.
Ideal Fund Categories for SWP
Debt Mutual Funds:

These funds are low-risk and provide stable returns. They are ideal for those who want to avoid stock market volatility.
You can invest in short-term or liquid debt funds, which are less volatile.
Hybrid Mutual Funds:

These funds invest in both equity and debt, offering a balance between risk and reward. They can provide higher returns than pure debt funds but with slightly more risk.
These are ideal if you want to ensure both growth and safety.
Balanced Advantage Funds:

These funds dynamically manage the balance between equity and debt based on market conditions. They can offer capital appreciation with some protection against volatility.

SWP vs Other Income Options
Fixed Deposits vs SWP: SWP is more tax-efficient compared to fixed deposits, where the interest is fully taxed. SWP allows you to control the withdrawal and tax impact based on how long you hold the fund.

Pension Plans vs SWP: Pension plans may offer fixed income but lack flexibility. SWP gives you the freedom to decide both the amount and timing of your withdrawals.

Things to Keep in Mind
Market Risk: If you invest in equity funds, the market could fluctuate, affecting the value of your investment. To reduce risk, start with a mix of debt and hybrid funds.

Sustainability: Ensure your withdrawal amount is sustainable. Withdrawing too much too soon could deplete your capital.

Consult a Certified Financial Planner: It’s always a good idea to consult a CFP to design a plan that best suits your needs, considering both your financial goals and risk tolerance.

Finally
SWP is a great tool for creating a steady income stream, especially for retirees. By carefully choosing the right mutual fund and setting a reasonable withdrawal amount, you can enjoy a regular income while keeping your investment growing. With its tax efficiency and flexibility, SWP is a smart alternative to traditional savings plans, provided you manage it wisely.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Sir very good evening. Can you please suggest few names of funds for doing swp and sir minimum how much funds is required to deposit to avail every month one lakh pls explain briefly as i don't have knowledge about this, i shall be highly obliged to you. Regards
Ans: A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments regularly. It provides a steady income stream while keeping your capital invested and potentially growing.

Benefits of SWP
Regular Income: SWP gives you a predictable monthly income, which is useful for meeting regular expenses.

Tax Efficiency: Only the gains portion of each withdrawal is taxed, making SWP more tax-efficient compared to other withdrawal methods.

Flexibility: You can choose the withdrawal frequency (monthly, quarterly, etc.) and adjust the amount as per your needs.

Estimating the Required Investment
To determine the amount needed to receive ?1 lakh per month through SWP, we need to consider the expected return on investment. For simplicity, let’s assume an average annual return of 8%.

Calculation Example
Annual Withdrawal: ?1 lakh per month equals ?12 lakh per year.

Expected Return: With an assumed return of 8%, we need to estimate the corpus.

Required Corpus: Using the formula for SWP, the required corpus can be approximated as ?1.5 crore. This ensures the withdrawals and returns balance over time.

Professional Advice
I recommend consulting a Certified Financial Planner (CFP) to get a precise calculation tailored to your financial situation.

Suggested Funds for SWP
When choosing funds for SWP, consider stability, performance, and track record. Here are some fund types to consider:

Balanced Funds
Balanced funds invest in both equities and debt instruments, providing a mix of growth and stability. They are suitable for generating regular income with moderate risk.

Debt Funds
Debt funds invest in fixed-income securities like bonds and government securities. They offer lower risk and steady returns, making them ideal for conservative investors seeking regular income.

Hybrid Funds
Hybrid funds combine equity and debt investments. They offer the potential for higher returns compared to pure debt funds while maintaining lower volatility than equity funds.

Implementing SWP
Steps to Set Up SWP
Choose the Right Funds: Select funds that match your risk tolerance and income needs.

Invest the Corpus: Invest the required amount (e.g., ?1.5 crore) in the selected funds.

Set Up SWP: Contact your mutual fund distributor (MFD) or the fund house to set up the SWP. Specify the withdrawal amount (?1 lakh) and frequency (monthly).

Monitoring and Adjusting
Regularly review your investments and SWP plan. Adjust the withdrawal amount or switch funds if needed to ensure sustainability and meet your income needs.

Advantages of Actively Managed Funds
Professional Management: Actively managed funds benefit from the expertise of fund managers who make strategic decisions to maximize returns.

Market Adaptability: These funds can adapt to changing market conditions, potentially leading to better performance compared to passive index funds.

Disadvantages of Direct Funds
Higher Effort: Direct funds require you to manage your investments, which can be time-consuming and complex.

Professional Guidance: Investing through an MFD with CFP credentials ensures you receive professional advice and management tailored to your goals.

Conclusion
Implementing an SWP can provide you with a steady income of ?1 lakh per month. Choose balanced, debt, or hybrid funds based on your risk tolerance. Consult a CFP to ensure your investment strategy aligns with your financial goals. Regular monitoring and adjustments will keep your plan on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 19, 2024

Money
Mr Vivek Lala, Good Morning. Can you please tell me , 1) where all the places we can invest in SWPs. 2) Is there any age limit for SWP. 3) Is there SWP facility in NPS also?.4) Any upper ceiling limit to invest in SWP?. Thank you.
Ans: A Systematic Withdrawal Plan (SWP) is a facility offered by many mutual funds. It allows investors to withdraw a fixed sum from their investments at regular intervals. Let’s dive into each part of your query to provide detailed insights.

1. Investment Options for SWPs

SWPs are primarily associated with mutual funds. Here are the various options where you can invest through SWPs:

Debt Mutual Funds: These are one of the most popular options for SWPs. They provide stability, with low-risk returns.

Equity Mutual Funds: SWPs can also be done in equity mutual funds. This option is riskier, but it can offer better returns in the long term.

Hybrid Mutual Funds: These funds combine equity and debt, offering balanced risk and returns. SWPs in hybrid funds can help diversify risk.

Balanced Advantage Funds: These are dynamic funds that shift between equity and debt based on market conditions. SWPs in these funds could provide more stability.

Notably, SWPs are not available in direct equity, bonds, or other such traditional investments. They are mainly associated with mutual funds. It’s a simple and flexible option for generating regular income.

2. Age Limit for SWPs

There is no age limit for investing in an SWP. Whether you are young and looking to generate additional income, or you are in retirement, anyone can opt for SWPs. You can start an SWP at any stage in your life, as long as you have a mutual fund investment.

For young investors, it can be used to fund specific needs like education, travel, or other personal expenses. For retirees, it acts as a regular source of income to meet living expenses.

3. SWP in National Pension System (NPS)

Unfortunately, there is no SWP facility available in the NPS. The NPS is structured differently from mutual funds. It is a pension scheme meant for long-term retirement savings. The withdrawals from NPS are governed by specific rules, and it doesn’t offer the flexibility that SWPs do.

NPS provides partial withdrawal options, but these are limited. Upon maturity, you can withdraw 60% of your corpus, but the remaining 40% must be used to purchase an annuity. So, NPS does not have the same withdrawal flexibility as SWPs in mutual funds.

4. Upper Ceiling Limit for SWPs

There is no upper ceiling limit for investing in SWPs. You can invest as much as you want in mutual funds and set up an SWP accordingly. Your SWP amount depends on the size of your corpus and the returns it generates.

However, it’s crucial to be cautious. Withdrawing more than the returns can eat into your capital. Therefore, it is advisable to carefully calculate how much you wish to withdraw through SWP to ensure that your capital lasts for the desired period.

Advantages of SWPs

Here are the key advantages of opting for SWPs:

Regular Income: SWPs provide a steady and regular stream of income.

Tax Efficiency: SWPs in equity and hybrid funds are more tax-efficient compared to traditional income sources like Fixed Deposits.

Customisation: SWPs allow you to customize the withdrawal amount and frequency.

Flexibility: You can start or stop an SWP anytime. You can also increase or decrease the amount as needed.

Capital Protection: SWPs allow you to withdraw just the returns, protecting your capital.

Disadvantages of SWPs

Despite the advantages, there are a few downsides to SWPs:

Capital Erosion: If your withdrawals exceed the returns, your capital could reduce over time.

Market Risks: In equity-based SWPs, market fluctuations can impact returns, especially if you’re withdrawing regularly.

Lower Returns in Debt Funds: Debt funds provide stability but generally have lower returns compared to equity funds.

Comparison: SWPs vs Direct Investments

Some investors prefer direct mutual fund investments. However, direct plans, while having lower expense ratios, lack professional advice. Certified Financial Planners (CFPs) have extensive market experience and can tailor investments according to your goals and risk appetite.

Direct funds are usually opted by those who understand markets well. However, many investors lose potential returns by making emotional or uninformed decisions. That’s where regular funds managed by an MFD with CFP credentials can provide significant benefits. The guidance of a professional can ensure that your investments stay aligned with your goals and market conditions.

Why Actively Managed Funds are Better than Index Funds

If you’re considering mutual funds for SWPs, actively managed funds are a better option compared to index funds. Here’s why:

Market-Beating Potential: Actively managed funds have the potential to outperform the market, while index funds can only mirror the market returns.

Professional Management: Actively managed funds are run by experienced fund managers who actively adjust portfolios to seize opportunities and mitigate risks.

Customisation and Flexibility: Active funds allow fund managers to customize portfolios according to changing market conditions, unlike index funds which are rigid.

While index funds offer low-cost investments, they don’t offer the flexibility and potential growth that actively managed funds do.

No Ceiling on SWP Investments

As mentioned earlier, there is no ceiling on the amount you can invest in SWPs. However, you must consider how much you are withdrawing monthly. Over-withdrawing can erode your capital.

A Certified Financial Planner can help you plan an optimal withdrawal amount. They will ensure that your corpus is not depleted quickly while generating consistent returns.

Final Insights

SWPs are an excellent way to generate regular income, especially for retirees or those looking for a steady cash flow. The flexibility and tax benefits make it an attractive option for many investors.

You should remember, though, that SWPs in equity funds carry market risks, while debt funds offer stability with lower returns. A balance between the two, or opting for hybrid funds, may offer a safer bet for long-term withdrawal plans.

Lastly, avoid direct and index funds if you prefer peace of mind and professional management. By investing through a Certified Financial Planner, you can make sure your investments are aligned with your long-term financial goals, especially if you are considering SWPs.

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 06, 2025

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Namaskar Sir, Can you suggest me best performing SWP in India.
Ans: An SWP allows you to withdraw a fixed amount regularly from your mutual fund investments. It provides steady cash flow and helps manage expenses while keeping your investments intact.

It is ideal for retired individuals seeking income or those looking for periodic liquidity without disturbing their long-term portfolio.

You can customise the withdrawal frequency—monthly, quarterly, or annually.

Key Factors for Selecting an SWP

Investment Objective Alignment
Choose funds that match your goals, such as regular income or wealth preservation.

Fund Performance
Pick funds with a consistent track record across various market conditions.

Expense Ratio
Opt for funds with a moderate expense ratio to maximise your returns.

Tax Efficiency
Withdrawals are treated as redemptions and taxed accordingly. Choose funds that minimise tax liability.

Asset Allocation
Maintain a balanced portfolio by diversifying across equity, debt, and hybrid funds.

SWP and Actively Managed Funds

Actively managed funds often outperform in volatile markets. Fund managers can adjust allocations to deliver better returns.

Actively managed funds offer better opportunities for growth compared to index funds. Index funds follow market indices and lack active intervention to reduce risks.

Regular Funds Over Direct Funds

Investing through a Certified Financial Planner adds value. Regular funds offer guidance, helping you choose the right options.

Direct funds lack professional advice. This could lead to poor decisions and misalignment with your goals.

Creating an Effective SWP

Start With a Core Portfolio
Invest in stable, well-performing funds to ensure consistent income.

Set a Realistic Withdrawal Rate
Withdraw an amount that doesn’t deplete your investment too quickly.

Review Periodically
Monitor fund performance and make adjustments based on your financial needs.

Supplement With Growth Investments
Invest part of your portfolio in equity or hybrid funds for growth potential.

Understanding Tax Implications

For equity funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
For debt funds, gains are taxed as per your income tax slab.
Choose funds wisely to manage tax impact.

Final Insights

An SWP provides both income and capital preservation when planned correctly. Align your SWP with your financial goals and risk tolerance. Seek professional advice for fund selection and tax optimisation.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9723 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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My age is 40 and I have 40 lakh invest in mutual funds and planning to do swp to get monthly 20 thousand. Please help me is it correct approa
Ans: You have Rs. 40 lakh in mutual funds.

You plan to withdraw Rs. 20,000 monthly.

A systematic withdrawal plan (SWP) can provide steady income.

It should not deplete your corpus too soon.

A balanced strategy is essential.

Checking the Sustainability of SWP
The withdrawal rate should match returns.

High withdrawals can erode capital.

Market performance affects fund growth.

A mix of equity and debt is needed.

Debt funds provide stability.

Equity ensures long-term growth.

Asset Allocation for Stability
Avoid relying only on equity.

Allocate funds for long-term security.

Debt funds can handle short-term needs.

Equity funds grow wealth over time.

A mix of both balances risk and return.

Tax Implications of SWP
SWP in equity funds is tax-efficient.

Long-term capital gains are taxed at 10%.

Short-term gains are taxed at 15%.

Debt fund withdrawals attract slab tax.

Tax planning can reduce liability.

Adjusting SWP for Longevity
Increase withdrawals gradually.

Monitor portfolio performance.

Adjust allocation based on market cycles.

Avoid withdrawing more than growth.

Review plan every year.

Final Insights
SWP can work if planned well.

A balanced allocation is necessary.

Tax-efficient withdrawals save money.

Regular reviews keep the plan effective.

Aim for capital preservation with growth.

Your income should last for decades.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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Nayagam P

Nayagam P P  |8772 Answers  |Ask -

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Asked by Anonymous - Jul 14, 2025Hindi
Career
Hii sir I got 76.58 percentile in my cet exam what colleges will I get for cs/it in mumbai i am from ews category
Ans: With a 76.58 percentile in MHT-CET under the EWS category and Maharashtra domicile, assured admission through CAP rounds is available at the following ten Mumbai?area institutes whose last?round EWS closing percentiles historically fall at or below your score. These colleges maintain AICTE approval, NAAC/NBA accreditation, modern labs, experienced faculty and placement cells recording 70–85 percent consistency in CSE/IT programs over the past three years:

Vivekanand Education Society’s Institute of Technology, Chembur (NAAC A, IT & CSE EWS cutoff ~75–80 percentile)
Thakur College of Engineering & Technology, Kandivali East (NAAC A, CSE/IT EWS cutoff ~70–75 percentile)
Fr. C. Rodrigues Institute of Technology, Vashi (NAAC A, CSE/IT EWS cutoff ~65–75 percentile)
Rajiv Gandhi Institute of Technology, New Panvel (NAAC A, IT EWS cutoff ~70–78 percentile)
VIVA Institute of Technology, Virar Road (NAAC A, CSE/IT EWS cutoff ~72–80 percentile)
K. J. Somaiya College of Engineering, Vidyavihar (NAAC A, IT EWS cutoff ~75–82 percentile)
SIES Graduate School of Technology, Nerul (NAAC A+, CSE/IT EWS cutoff ~78–85 percentile)
Don Bosco Institute of Technology, Kurla (NAAC A, IT EWS cutoff ~70–77 percentile)
SIES College of Engineering, Sion West (NAAC A, IT EWS cutoff ~80–88 percentile)
Rizvi College of Engineering, Bandra (NAAC A, IT EWS cutoff ~68–76 percentile). Prioritise Vivekanand Education Society’s Institute of Technology for its balanced accreditation, robust IT labs and consistent 80 percent placement support. Next select Thakur College Kandivali East for its flexible curriculum, industry linkages and 75 percent placements. Then opt for Fr. C. Rodrigues Vashi for its affordable fees, modern computing facilities and steady 70–75 percentability. Consider Rajiv Gandhi Institute New Panvel for its Navi Mumbai campus, reliable outcomes and core?IT focus. Finally, choose VIVA Institute Virar Road for its expanding recruiter network and supportive placement cell. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Career Counsellor - Answered on Jul 14, 2025

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Dear Sir, My son has secured a seat for B. Tech in CSE (2025-29) in VIT Chennai. He is getting an opportunity for dual degree programme, which allows one to pursue engineering at BITS Pilani and a master's in management from BITS School of Management (BITSoM) Mumbai, simultaneously. Request your view that is this option of BE+PGDM dual degree course in 5 years from BITs is better than only B. Tech in 4 years from VIT? Kindly guide me. Regards,
Ans: Vikram Sir, Based on the following insights, please choose the better option for your son: The four-year B.Tech CSE at VIT Chennai, an A++ NAAC-accredited private university ranked 11th in Engineering by NIRF 2024, delivers core and elective modules in AI/ML, cybersecurity and cloud computing through 15+ specialized labs and a robust Career Development Center that facilitated 3,160 offers and ~90% placement assistance in 2025, with sustained industry tie-ups (LTTS, Nokia) and an active start-up incubator. The five-year BE + PGDM dual-degree from BITS Pilani (Pilani/Goa/Hyderabad) and BITSoM Mumbai combines a NAAC A++ & A++ B.E. curriculum vetted by ABET with a two-year PGDM in management, fostering technology-enabled leadership. BITS Pilani first-degree placements average ~90% with 82.8% for FD and industry giants (Google, Amazon) visiting annually; BITSoM secured 100% summer internships and 73–82% final placements for its inaugural cohorts, with average stipends of ?1.7 L/month and top recruiters (McKinsey, JP Morgan). The dual program’s strengths lie in cross-campus exposure, practice-school internships, global alumni networks, and management skill sets, yet incur higher total fees, necessitates one extra year and award a PGDM (not MBA), which may affect certain public-sector pathways. The VIT CSE offers a cost-effective, fast-track route into core computing roles with strong campus placements and research labs; opt for the BITS Pilani + BITSoM dual degree only if you value integrated management credentials, extended industry immersion and leadership grooming in a technology-business nexus, accepting the longer timeline and PGDM credential. All the BEST for Admission & a Prosperous Future!

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Relationship
I am married since 25 years and aged 45. In a fit of rage left home as all these years despite of giving whole life no body had ever recognised my efforts. My husband always lived abroad and I lived with my Mother in law and children managing everything alone. Being a working lady it was very tedious but still with pride I did so......Always I was asked wha did u do? A lot of support from my mom side also was given but even they were humiliated. In a fit of rage, disappointment I left home and lived in isolation giving space to myself for 20 days and during this time my MIL had brain stroke and was in ICU and the moment i got to know I rushed to hosptl but my husband and inlaws threw me out of home and hosptl making me responsible for her condition and death. Right now im living with my mom since a month and husband says he doesnt need me. I need him , i love him. I am shattered now. Please suggest what do i do? He is not ready to talk to me neother any of my sisters in law are. I am a working lady but family is equally important. Question on my character is also being raised. Kindly suggest
Ans: Dear Anonymous,
You need to ask yourself:
"I need my family, but does my family also need me? Have they needed me all these years?"
You are never going to get a medal for being the sacrificial lamb that you have been for so many years. If they are unable to understand even a small frustration of yours and question your character over it without even for once seeing all the things that you have done, should their thoughts and behavior not give you a clear indication as to what kind of a family you are married into?
You have not been valued and appreciated and from what you say that your husband and in laws threw you out of home, did your husband not think even once about his wife? You know the answers to all of this and as hard as it is to move from the label of a dutiful wife, daughter-in-law, think about what you are teaching your children...are you asking them to also succumb to disrespect and harsh judgements? Think hard and for once, think for yourself!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 07, 2025Hindi
Relationship
I am 27 years old normal middle class girl , I have a family of 5 including my parents and one sister and brother. I am a software engineer earning 1 lakh. My mother is very happy and proud of me , but at the same time she has burdened me with over expectations . She asked me to renovate our old house , to which i happily agreed . But she kept asking for more. Because of her bad marriage she asked me not to marry , but i already have a boyfriend . I doubt that now more than the fear of marrying wrong person she is more afraid of the money which will be gone out of the house, if i marry someone. Because she never forbid marriage to my sister and brother , in fact she keeps planning for their marriage . i thought i will handle these problems later, by telling her that how nice my boyfriend is. Now the worst part is , she even asked me to buy flat for my brother , after i am done rennovating our house . I denied, which left her confused . But she never pushes my brother towards study and these days even my brother has become careless . She still thinks that my money is our family money forever, because I should never marry . I had several fights with her because I kept nagging her to ask my brother to study . Actually she thinks that I am brilliant and I should do everything for my brother, and my brother is not that intelligent like me . My mom is failed to understand that my brother is a lazy guy who doesn't want to study . She is not focused in overall growth of our family where everyone work hard, she is just happy that I started earning and it doesn't matter much that any other family member is earning or not . All these things are burdening me .
Ans: Dear Anonymous,
You have officially become the ATM for your family. Move out of home...You can always contribute some portion towards the family even by staying out BUT at least you will have a life to build and your brother will start to also become serious and build his career and think about supporting the family as well.
If you continue this way, your money, your time, your dreams will all be under your mother's control and this toxic environment will never allow you to have your dreams and your life. So act NOW!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |8772 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Career
Hello sir, pls revert my query, my last query was unanswered. My son has got BE civil in bits in iteration 1. His score is 231. What are further prospects of career and job in be civil
Ans: Sheetal Madam, Graduating in Civil Engineering from BITS Pilani opens diverse roles in structural design, infrastructure development, transportation planning, environmental management and geotechnical consulting, leveraging rigorous practice?school internships and industry?linked labs. Strong faculty mentorship and access to cutting-edge software (STAAD.Pro, Revit, Primavera) underpins skills in project lifecycle management and sustainable engineering. BITS Pilani’s UG placement rates have remained robust over the last three cohorts—91.8% (2021), 93.6% (2022) and 90.1% (2023)—with top recruiters like Larsen & Toubro and Jacobs engaging civil graduates. Specializations in smart-city planning, water resources and disaster resilience further enhance employability across public and private sectors.

Recommendation Leverage BITS Pilani’s practice-school exposure and campus placements by targeting structural and infrastructure consulting roles early, while pursuing certifications in BIM and green building. Engage in elective research projects on sustainable materials to strengthen candidature for leadership positions in urban development and multinational engineering firms. All the BEST for Your Son's Prosperous Future!

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Nayagam P

Nayagam P P  |8772 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Hey, I wanted to ask you about Scaler School of Technology (SST). I have got selected for SST by writing uts NSET exam and have passed. I wanted to know is it really worth it, especially paying high fees. And also they dont offer Btech Engineering Degrees, yet their students are making it to top 1% In CSE Roles. How is the college different from other institutions? And is it Really Worth it??
Ans: Scaler School of Technology (SST), founded in 2023 by IIT alumni Anshuman Singh and Abhimanyu Saxena, offers a four-year residential B.Sc + M.Sc in Computer Science & AI through a UGC-recognized partner institute, alongside industry-embedded internships and mentorship by top engineering leaders. Admission via the Scaler National Scholarship & Entrance Test (NSET) plus interview ensures rigorous selection, with first-year tuition ranging from ?4.25–5 lakhs (total ~?17 lakhs) and merit-based NSET scholarships available. The curriculum is delivered in three phases: 18 months of fundamentals through live case studies; a year of paid industry immersion with 1 200+ career partners; and 18 months of specialization in senior engineering, ML/AI or algorithmic trading, complemented by one-on-one mentoring and soft-skill development. SST’s labs and on-campus facilities support hands-on projects, while its Career Centre reports a ~96% internship assistance rate and high conversion to top CSE roles within the first two years. Unlike conventional B.Tech programs, SST focuses exclusively on computer science (CS) and artificial intelligence (AI) without offering a B.Tech degree; however, graduates receive an EU-accredited M.Sc from Woolf University, which enables them to apply for master’s programs abroad and qualify for government exams. The high fees may strain budgets; this is mitigated by scouting scholarships, education loans, early NSET preparation, and leveraging SST’s corporate tie-ups for paid internships. SST’s limited intake ensures personalized attention but calls for proactive peer networking and co-curricular club participation to broaden horizons.

Recommendation: SST is worthwhile for those seeking an industry-centric, mentor-driven CS/AI pathway, provided you secure NSET scholarships and supplement the non-engineering degree with certification courses and active participation in developer communities to match traditional B.Tech credentials. All the BEST for Admission & a Prosperous Future!

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Anu

Anu Krishna  |1645 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 14, 2025

Asked by Anonymous - Jul 01, 2025Hindi
Relationship
Hi mam,im 38 years old and my husband 41 years old.we are joint family.My husband is in NRI and he comes to india yearly once.He have spend 45 days in a year only.we have two kids one kid is 5 years old and another kid is 8 years old.im staying with my mother in law.we got married since 2014.my husband not giving importance except financial advice.He is always supporting for his mother and his elder sister.Sometimes some conflicts between his mother and me.Many times i accept and give response for her age but sometimes she is speaking rudely.i cant control my anger and shows my anger to her its just 5 percent but 95 percentagd she is doing.whenever i told to my husband he told me that u are the reason for fight and u have to adjust all things.He give first preference for his mother and sister only.All parents are struggling to raise them but he talk that his mother only struggling and give this much life.His parents nothing do special .they are not do any specific or any special things.if i take and talk same like that what will happened.Some arguments and fight will come between us.he didnt accept his mothers mistake.He is good amma payan.And wherever we go he comes along with his mother.Im living with his mother for whole year even in his vacation time also he is not ready to spend some time with me and he didnt respect my feelings.Even lost year kerala trip also he comes along with his mother only.i told him wherever we goto temple we along with your mother but i need to spent time with you alone but he never listen my words and told that his mother never seen before this place.As a son can satisfying her expection.And my side all things doing with my parents is a certain limit.He is going toomuch for his mother and i want to tell one thing for 10 years of marriage life we didnt go any honeymoon trip also.wherever we go just nearby cinima shopping and nearby park we go alone and return back only.i want to spend with him what i have to do but he is not.i need some relief for my routine life.he never understood me.Kindly give some advice to rectify my problem.And in fronf of his son his mother spoke very polite and calm but with me very rude sometimes.I shows my anger with him and he gave me advice to his mother is oldage she is good and something.i got too much anger and fight with him.He always blaming me.What i have to do.
Ans: Dear Anonymous,
You have married a man who is stuck in an unhealthy relationship. Many homes have a case of the mother and son stuck together and this impacts the marriage. The son never wants to grow up and the mother does not allow the son to grow up. That way she can still have control over him and he enjoys all that attention.
Honestly the two of you need to go through Marriage Therapy with the spotlight on how to build a marriage that your husband has to learn. I don't know if your husband will agree to allow a third person to tell him that he's stuck in something and needs to move from there by growing up.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |8772 Answers  |Ask -

Career Counsellor - Answered on Jul 14, 2025

Asked by Anonymous - Jul 14, 2025Hindi
Career
Sir... IIIT bhubaneswar Computer engineering vs IIIT kalyani cse vs IIIT una, ranchi, nagpur ece...which is Best
Ans: All institutes are AICTE-approved, boast NBA/NAAC accreditations, and have active industry tie-ups and PhD-qualified faculty. IIIT Bhubaneswar’s Computer Engineering benefits from NIRF-ranked status, interdisciplinary labs in AI, networking and cybersecurity, and a 79% placement rate in 2024-25. IIIT Kalyani’s CSE features dedicated AI/ML and big-data labs, an industry-driven curriculum, and an 89.33% branch-wise placement consistency in 2024. IIIT Una’s ECE offers modern VLSI, IoT and signal-processing facilities, supported by a Career Development Centre, delivering 83.33% ECE placements in 2025. IIIT Ranchi’s ECE combines strong foundational labs and soft-skill training, achieving a 75% placement rate for ECE in its recent drive. IIIT Nagpur’s ECE leverages NAAC A++ accreditation, advanced communication and embedded-systems infrastructure, with 80% of eligible ECE students placed in 2024. Student support services, research collaborations, and active placement cells are robust across all campuses.

Recommendation Prioritize IIIT Kalyani CSE for its highest placement consistency and specialized AI/ML labs; next choose IIIT Una ECE for its strong ECE-specific facilities and rising placement trends; then opt for IIIT Nagpur ECE for its balanced infrastructure and 80% placements; follow with IIIT Bhubaneswar CmpEng for its NIRF standing and interdisciplinary exposure; finally select IIIT Ranchi ECE for foundational lab strength and growing industry ties. All the BEST for Admission & a Prosperous Future!

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