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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Mar 31, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more

Question by Krutika on Mar 29, 2023Hindi

Money

I want to invest monthly 10000 in sip, kindly advise

Ans: The funds will depend on your future requirements and the time duration of your investment.
Generally for a younger age group who has a time horizon of 7 years + , one can invest in small caps, mid caps and thematic funds.

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 Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 08, 2024

Question by Sadanand - Mar 31, 2023Hindi

Money

Wish to invest Rs. 30000 per month in SIP. My view is long term between 5 to 7 years.

Ans: Investing Rs. 30,000 per month in SIPs with a long-term horizon of 5 to 7 years is a prudent strategy for wealth accumulation. Here's a suggested allocation across different types of mutual funds:

Large-cap funds: Allocate around 40% (Rs. 12,000) to large-cap funds for stability and consistent returns. These funds invest in well-established companies with a track record of steady growth.

Mid-cap funds: Allocate around 30% (Rs. 9,000) to mid-cap funds for potential higher growth. These funds invest in medium-sized companies with the potential for rapid expansion.

Small-cap funds: Allocate around 20% (Rs. 6,000) to small-cap funds for aggressive growth potential. These funds invest in small-sized companies with the potential for significant capital appreciation.

Balanced funds: Allocate around 10% (Rs. 3,000) to balanced funds for diversification and reduced volatility. These funds invest in a mix of equities and fixed-income securities.

Ensure you choose SIPs from reputable fund houses with a proven track record of consistent performance and align your investments with your risk tolerance and financial goals. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards your long-term objectives.

Advait Arora | Answer |Ask -Follow

Financial Planner - Answered on Nov 22, 2023

Question by Edwin - Sep 09, 2023Hindi

Money

I want invest 10000 monthly in sip, please suggest

Ans: start with a large cap mutual fund any 4 + star rated one

Ramalingam Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Question by ASHOK - Apr 19, 2024Hindi

Money

Sir, I am planning to invest in SIP Rs.10000/- per month for long term. Say 25 to 30 years. Kindly advise.

Ans: Long-Term SIP Investment Strategy
Investing ?10,000 per month in a Systematic Investment Plan (SIP) for 25 to 30 years is an excellent strategy to build substantial wealth over the long term. Given the extended horizon, you can benefit from the power of compounding and ride out market volatility. Let’s explore a comprehensive investment plan to achieve your financial goals.

Understanding Your Investment Goals
Before diving into specific fund recommendations, it's important to define your investment goals. Are you saving for retirement, children's education, buying a house, or other long-term financial objectives? Clear goals will help tailor your investment strategy.

Diversified Portfolio for Long-Term Investment
A diversified portfolio is key to balancing risk and return. Here’s a suggested allocation for a long-term SIP investment:

Equity Mutual Funds
Equity Mutual Funds are ideal for long-term growth. They offer higher returns compared to other asset classes over an extended period. Given your long horizon, you can afford to take on more equity exposure.

Large Cap Funds: 30-40%

These funds invest in well-established companies with stable returns. They are less volatile and provide steady growth.
Mid Cap Funds: 20-30%

Mid cap funds invest in medium-sized companies with high growth potential. They offer a balance between risk and return.
Small Cap Funds: 10-20%

Small cap funds invest in smaller companies with significant growth potential but higher volatility. These funds can provide substantial returns over the long term.
Hybrid or Balanced Funds
Hybrid or Balanced Funds invest in a mix of equity and debt instruments, providing a balanced approach to risk and return.

Allocation: 10-20%
These funds offer stability through debt investments while participating in equity market growth.
Debt Funds
Debt Funds provide stability and are less volatile compared to equity funds. Including a small portion of debt funds can help manage risk.

Allocation: 10-20%
Invest in high-quality short-term and medium-term debt funds for better liquidity and safety.
Systematic Investment Plans (SIPs)
SIPs help in averaging the purchase cost over time and instill disciplined investing. Regular investments reduce the impact of market volatility and enable you to benefit from rupee cost averaging.

Suggested Funds
When selecting specific mutual funds, consider the following criteria:

Consistent Performance: Choose funds with a strong performance track record across different market cycles.

Experienced Fund Managers: Opt for funds managed by experienced and reputable fund managers.

Low Expense Ratios: Lower costs mean more of your money is invested, leading to better returns.

Fund House Reputation: Select funds from reputable and stable fund houses.

Regular Monitoring and Rebalancing
Regularly monitor your portfolio to ensure it aligns with your investment goals. Rebalance your portfolio periodically to maintain the desired asset allocation and manage risk.

Consulting a Certified Financial Planner
Engage with a Certified Financial Planner for personalized advice. They can provide a tailored investment strategy based on your financial situation, goals, and risk tolerance.

Conclusion
Investing ?10,000 per month in SIPs for 25 to 30 years is a robust strategy for building wealth. A diversified portfolio with a mix of large, mid, and small cap funds, along with hybrid and debt funds, can help you achieve your financial goals. Regular monitoring and consultation with a Certified Financial Planner will ensure your investments stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 28, 2024Hindi

Money

Sir i want to invest in sip my monthly saving will be between 1000 to 2500 Rs please advice.

Ans: It's great that you're looking to start investing through SIPs with your monthly savings! Here's some advice tailored to your budget:

Start Small: Even with a modest monthly savings of Rs. 1000 to 2500, you can begin investing through SIPs. The key is to start early and remain consistent with your contributions.
Choose Low-Cost Funds: Look for mutual funds with low expense ratios, as they minimize the impact of fees on your returns. Opt for direct plans of mutual funds to save on distribution expenses.
Focus on Equity Funds: Given your long-term investment horizon, consider investing in equity mutual funds. These funds have the potential to deliver higher returns over the long run, although they come with higher volatility.
Diversify Your Portfolio: Select a mix of different types of equity funds, such as large-cap, mid-cap, and multi-cap funds, to spread your risk across various market segments. Diversification can help mitigate the impact of market fluctuations.
Stay Invested for the Long Term: SIPs work best when you stay invested for the long term, allowing your investments to benefit from the power of compounding. Aim to invest consistently over several years to maximize your returns.
Review and Adjust: Periodically review your SIP investments to ensure they align with your financial goals and risk tolerance. You may need to adjust your investment strategy based on changes in your financial situation or market conditions.
Stay Informed: Take the time to educate yourself about mutual funds, investment strategies, and market trends. This knowledge will empower you to make informed decisions and stay on track with your financial goals.
Consult a Financial Advisor: If you're unsure about which funds to invest in or how to construct your investment portfolio, consider consulting a financial advisor. They can provide personalized advice based on your financial situation and goals.
By following these tips and starting your SIP journey with discipline and patience, you can gradually build wealth over time and work towards achieving your financial objectives. Remember, every rupee invested today can make a difference in securing your financial future tomorrow.

Latest Questions

Ramalingam Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 23, 2025

Asked by Anonymous - Jan 22, 2025Hindi

Money

Hi i am 28, my would be husband is 29. I earn around 1.5lakhs post tax and he around 1.78 lakhs post tax. And we both receive lumpsum variable yearly bonus (min 2 lakhs combined)We both pay individual rent of 24000 (mumbai). I have an sip of 30000( steping up to 45000 from feb). I have 10 lakhs in fd, 5 lakhsin liquid around 4.8 lakhs in mf, some nominal amount in pf and around 1.5 lakhs in shares. We both want to get married (partly funded by parents) and buy a house and car .we dont have to support our parents financially by gods grace. We have fixed monthly expense of around 20k combined (including eating out /entertaiment). No emi or loans. Sir, could you kindly guide us to help plan for an achieveable budget for home and car. Thank you

Ans: You and your fiancé are in a great position financially. Both have stable incomes and no liabilities. This gives you the flexibility to plan for your future goals effectively. Let’s break down your financial situation and develop a plan for the wedding, home, and car.

Current Income and Expenses
Your combined monthly income is Rs. 3.28 lakhs.

Fixed expenses, including rent, amount to Rs. 72,000 (24,000 each in rent + Rs. 20,000 combined expenses).

This leaves a surplus of Rs. 2.56 lakhs monthly, excluding annual bonuses.

Assets and Investments
Your assets include Rs. 10 lakhs in FDs, Rs. 5 lakhs in liquid funds, Rs. 4.8 lakhs in mutual funds, and Rs. 1.5 lakhs in shares.

Combined, these total Rs. 21.3 lakhs in liquid and semi-liquid investments.

Your SIP of Rs. 30,000 per month (stepping up to Rs. 45,000) is a disciplined approach.

Nominal PF balances will grow over time with compounding.

Financial Goals
Your key goals are:

Planning a wedding.

Buying a house in Mumbai.

Purchasing a car.

We’ll address these goals systematically.

Wedding Budget
If parents are partly funding the wedding, your share can be Rs. 10-12 lakhs.

Use Rs. 5 lakhs from your liquid funds and Rs. 5 lakhs from FDs.

Avoid breaking mutual funds as they are growth-oriented investments.

Ensure to save some emergency funds (at least 6 months’ expenses) after the wedding.

Buying a House
Assessing Your Budget
Mumbai real estate is expensive. For a modest 2 BHK, expect Rs. 1.5-2 crores.

You’ll need a 20% down payment of Rs. 30-40 lakhs.

Your combined bonuses and savings can contribute to this goal over the next 3-4 years.

Avoid using your entire savings for the down payment.

Home Loan Planning
With a combined income of Rs. 3.28 lakhs, you can afford a home loan EMI of Rs. 80,000-1 lakh.

For a 20-year loan, this can support a loan amount of Rs. 1.2-1.4 crores.

Opt for a joint loan to maximise the loan amount and tax benefits.

Building the Down Payment
Increase your SIPs from Rs. 45,000 to Rs. 60,000 after marriage.

Allocate Rs. 25,000-30,000 of your monthly surplus to a conservative hybrid fund or liquid funds.

This can accumulate Rs. 12-15 lakhs in 3-4 years.

Combine this with bonuses and existing FDs to reach the Rs. 30-40 lakhs needed.

Buying a Car
Budget and Timeline
Aim for a mid-range car costing Rs. 10-12 lakhs.

Avoid purchasing immediately after the wedding to manage cash flow.

Save Rs. 3-4 lakhs over 12-18 months for the down payment.

Finance the rest with an affordable EMI of Rs. 10,000-15,000.

Emergency Fund
Post-wedding, maintain at least Rs. 6-8 lakhs in liquid funds for emergencies.

This will cover 6-8 months of expenses and unforeseen costs.

Tax Efficiency
Your SIP investments in equity mutual funds will grow tax-efficiently.

Long-term gains above Rs. 1.25 lakhs are taxed at 12.5%.

Short-term gains are taxed at 20%. Plan withdrawals accordingly to minimise taxes.

Use joint home loan benefits to reduce taxable income.

Investment Strategy
SIP Growth
Stepping up SIPs to Rs. 45,000 and eventually Rs. 60,000 will accelerate wealth creation.

Allocate SIPs to a mix of large-cap, flexicap, and mid-cap funds.

Avoid thematic or sectoral funds for long-term goals.

Avoid Index Funds
Index funds lack flexibility to outperform during volatile markets.

Actively managed funds offer better growth through expert stock selection.

Rebalancing Portfolio
After the wedding, rebalance your portfolio.

Retain 70-80% in equity and 20-30% in debt for long-term growth and stability.

Include a conservative hybrid fund to diversify investments.

Insurance Coverage
Post-marriage, ensure you and your fiancé have adequate life and health insurance.

Opt for term insurance covering 10-12 times your annual income.

Enhance health insurance to Rs. 10-15 lakhs for comprehensive coverage.

Final Insights
You are well-positioned to achieve your goals. With proper planning, you can balance your wedding, home, and car expenses. Stay disciplined in savings and avoid impulsive spending. Regularly review your financial plan with a Certified Financial Planner.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 23, 2025

Question by sushovan - Jan 23, 2025Hindi

Money

Sir, I am 37. I have been investing ?22000/month in various sip which includes 7000 in small cap funds, 4000 in mid cap funds, 1000 in index funds, 3000 in thematic funds(1000 each in infra, commodities and technology) and remaining in multicap and flexicap funds. Please tell me if the allocation is good and what can I expect on a 15 year time horizon.

Ans: Your disciplined SIP investment of Rs. 22,000 per month is commendable. Below is an analysis of your portfolio:

Small-Cap Funds
Allocating Rs. 7,000 (31.8% of your total SIP) to small-cap funds shows a focus on high growth potential.

Small-cap funds offer strong long-term returns but come with high volatility.

Consider limiting small-cap exposure to 25% for better risk management.

This adjustment can reduce stress during market downturns.

Mid-Cap Funds
Rs. 4,000 (18.2%) invested in mid-cap funds is a balanced choice.

Mid-cap funds provide a mix of stability and growth.

Retain this allocation as it complements the small-cap funds well.

Thematic Funds
Rs. 3,000 (13.6%) allocated to infra, commodities, and technology is sector-focused.

Thematic funds can be rewarding but depend heavily on market cycles.

Limit thematic exposure to 10% of your portfolio.

Use the extra allocation for diversified or multicap funds for better stability.

Index Funds
Rs. 1,000 (4.5%) in index funds may not maximise your potential returns.

Index funds passively track the market but lack flexibility to outperform it.

Actively managed funds can generate higher returns through expert stock selection.

Shift this allocation to actively managed flexicap or large-cap funds.

Multicap and Flexicap Funds
Rs. 7,000 (31.8%) in multicap and flexicap funds ensures broad diversification.

These funds spread investments across large, mid, and small-cap stocks.

Retain this allocation as it balances the portfolio risk effectively.

Tax Considerations
Long-term equity mutual fund gains above Rs. 1.25 lakh are taxed at 12.5%.

Short-term equity gains are taxed at 20%.

Consider rebalancing based on tax-efficiency and annual gains.

Expected Returns
Equity funds can offer 12-15% annual returns over a 15-year horizon.

With disciplined SIPs, your corpus could grow 4-6 times over this period.

Market fluctuations will occur, but patience and consistency are key.

Recommendations
Portfolio Rebalancing: Reduce small-cap and thematic exposure to optimise risk.

Avoid Index Funds: Actively managed funds provide higher growth potential.

Increase Diversification: Focus on multicap and flexicap funds for broad exposure.

Stay Disciplined: Continue SIPs during market corrections to benefit from rupee cost averaging.

Professional Advice: Consult a Certified Financial Planner for personalised guidance.

Disadvantages of Direct Funds
Direct funds lack access to personalised advice and expert monitoring.

Investing via a Certified Financial Planner ensures professional management of your portfolio.

Regular funds through an MFD with CFP credentials offer better support for goal-based planning.

Final Insights
Your portfolio reflects good planning and commitment. A few adjustments will enhance returns and reduce risk. Focus on long-term goals and review performance periodically with professional guidance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |7609 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 23, 2025

Question by sushovan - Jan 23, 2025Hindi

Money

Sir, I am 37. I have been investing ?22000/month in various sip which includes 7000 in small cap funds, 4000 in mid cap funds, 1000 in index funds, 3000 in thematic funds(1000 each in infra, commodities and technology) and remaining in multicap and flexicap funds. Please tell me if the allocation is good and what can I expect on a 15 year time horizon.

Ans: Your monthly SIP investment of Rs. 22,000 is well-structured across multiple categories. This diversification reflects thoughtfulness in building a balanced portfolio. Below is an analysis of each allocation with suggestions for improvement:

Small-Cap Funds
Small-cap funds are highly volatile but deliver superior long-term returns. Your Rs. 7,000 allocation is reasonable at 31.8% of your SIP.

However, overexposure can increase portfolio risk. Consider capping small-cap allocation to 25% of your total SIP.

Small-cap funds require patience and discipline, especially during market downturns.

Mid-Cap Funds
Allocating Rs. 4,000 to mid-cap funds (18.2% of SIP) balances risk and return.

Mid-caps offer growth potential, bridging the gap between large caps and small caps.

Retain this allocation as mid-caps perform well over long horizons like 15 years.

Thematic Funds
Thematic investments in infra, commodities, and technology at Rs. 3,000 (13.6%) are niche choices.

Thematic funds depend heavily on sector performance and market cycles.

Limit thematic exposure to 10% of your total SIP to avoid concentration risk.

Consider reallocating a part of this to diversified equity funds for stability.

Index Funds
Your allocation of Rs. 1,000 (4.5%) to index funds has limited value.

Index funds simply replicate indices and lack potential to outperform markets.

Actively managed funds, handled by professional fund managers, may deliver better returns.

Redirect this amount to actively managed flexicap or large-cap funds for superior growth potential.

Multicap and Flexicap Funds
The remaining Rs. 7,000 (31.8%) allocation to multicap and flexicap funds ensures diversification.

These funds provide exposure to all market caps, balancing risk and returns.

Continue with this allocation as it complements your other investments.

Tax Implications
Equity fund gains above Rs. 1.25 lakh are taxed at 12.5% under the new rules.

Monitor your gains annually to manage taxes efficiently.

Debt funds are taxed based on your income tax slab. Consider this for future rebalancing.

Expected Returns over 15 Years
Equity funds can deliver 12-15% annual returns over a 15-year horizon.

Your portfolio could potentially grow 4-6 times, depending on market conditions.

Consistent SIPs and market discipline will help you reach this target.

Suggestions for Improvement
Portfolio Rebalancing: Reduce small-cap and thematic exposure to manage risk. Reallocate to multicap and flexicap funds.

Avoid Index Funds: Actively managed funds can generate higher returns with professional management.

Stay Disciplined: Continue investing during market corrections for long-term wealth creation.

Review Annually: Evaluate fund performance and make changes if needed.

Professional Guidance: Investing via a Certified Financial Planner ensures expert advice and portfolio monitoring.

Insights on Regular Funds
Direct funds lack the benefit of professional advice and continuous monitoring.

Investing in regular funds through a CFP offers goal-based planning and expert guidance.

This approach minimizes emotional decision-making and enhances long-term returns.

Final Insights
Your SIP strategy reflects commendable discipline and foresight. With minor adjustments, you can optimize returns and manage risks effectively. Long-term consistency and professional advice will ensure financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Milind Vadjikar |880 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 22, 2025

Question by SureshKumar - Jan 22, 2025Hindi

Money

Hello Sir, I am 38 years old living in Chennai. I bought a flat for ?40 Lacs with ?30 Lacs loan. After 5 yrs, I sold it for ?43 Lacs, due to a family situation. After repaying the balance loan and EMIs, I lost a huge amount and my current savings is ?20 Lacs (?15 Lacs in Mutual Funds and ?5 Lacs in SGB). I earn ?1,50,000 per month. And I started SIP for ?13,000 (started in the year 2021) and ?2000 for NSP. My goal is to buy a house and a car. Is it possible?

Ans: Hello;

I believe you should use the existing MF corpus as down payment and secure home loan as early as possible and complete the house purchase.

The EMIs will run for another 15 years or so.

After deducting household expenses and EMI you may invest balance income into MF(for car;~15 K for 5 years) and NPS(for retirement; 35 K for 22 years+ 15 K for 17 years).

Happy Investing;
X: @mars_invest

Mihir Tanna |991 Answers |Ask -Follow

Tax Expert - Answered on Jan 22, 2025

Question by Mukeshkumar - Jan 20, 2025Hindi

Money

Sir, I take 6 lakh from my father-in-law through a cheque for the purchase of a car. I will repay this amount next year in installments. Is it taxable?

Ans: No, receipt of amount as loan is not an income.

Dr Shyam Jamalabad |87 Answers |Ask -Follow

Dentist - Answered on Jan 22, 2025

Asked by Anonymous - Dec 25, 2024Hindi

Sir mera last ka dant hai vah ek side se kharab ho gaya hai mein usme masala bharau ya niklva lu kya thik rahega bataiye ji

Ans: Namaste
Aapka last dant bachane layak hai ki nahi woh pehle dekhna padega.
Last ka dant bachana aksar mushkil hota hai kyon ki hamari drilling machine wahan tak aasani se pohochti nahi.
Agar bachana mumkin hai to dant ko avashya bachane ki koshish Karni chahiye.
Agar na mumkin hai toh usko nikalva lijiye

Milind Vadjikar |880 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 22, 2025

Asked by Anonymous - Jan 22, 2025Hindi

I have a total of 15 years of service in 4 different organizations. I have contributed to EPS in all organizations continuously. What pension will I get on turning 58 if I retire today.

Ans: Hello;

You may calculate it yourself based on this formula:

EPS Monthly Pension = (Pensionable salary x Pensionable Service)÷70

Where pensionable salary is your average monthly salary(Max 15 K) during past 60 months before you exit EPS.

Pensionable service is period in number of years during which you contributed to the EPS.

Best wishes;

Milind Vadjikar |880 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 22, 2025

Asked by Anonymous - Jan 17, 2025Hindi

Money

Maine apni present company ka PF aur pension nikal Diya lekin purani company ki pension nahin nikal Paya kya vah mujhe ab pension milegi ya

Ans: Hello;

Request you to provide complete information of your previous job history to advise suitably.

Thanks;

Milind Vadjikar |880 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 22, 2025

Asked by Anonymous - Jan 22, 2025Hindi

Money

Hi, I'm 34years. I have invested in sbi lif e wealth insurance, monthly 1300 (payment term is 10yrs) in dec2019 as adviced by someone at that time. Currently fund value is only 99k. Note, I've other investments (monthly mf sip around 35K) and term insurance,nps etc. shall I stop monthly payment 1300 in this sbi life? and hold the existing invested money for nxt 5years? Please advise

Ans: Hello;

I do not know your allocation to the ulip funds but it is giving you an XIRR of around 9.5% which is good(tax free).

Also the maturity proceeds of your ulip investment won't invoke any LTCG tax.

You may review the choice of funds in ulip plan with your insurance advisor.

I recommend you to continue with this investment alongwith other investments.

Best wishes;
X: @mars_invest

Radheshyam Zanwar |1151 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 22, 2025

Question by Priyanka - Jan 11, 2025Hindi

Career

What should I do after my bsc in medical

Ans: Hello Priyanka.
It is not clear whether either of you has completed your B.Sc. in Medical or not. But I am assuming that you are presently pursuing it. The scope of this branch is wide. Either you can pursue the job, or you can start your own business. However, I would like to suggest that if possible, you do a DMLT course to start an authentic lab. Working as a technician or technical assistant may not boost your career to a great extent, and the salary may also not increase proportionately. Hence, it is better to add a course with a B.Sc. that will help you start your business. With a small capital, you can even start a business selling surgical items, which could turn into a big business in just a few years. Best of luck for your upcoming future.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Asked on - Jan 22, 2025 | Answered on Jan 22, 2025

Any other advice...I think my fmly shouldn't allow me... although I'm an average student

Ans: Welcome back.
Don't think that you are an average student. We have seen average students at school and college level working at higher posts in MNCs and in many corporate firms. Remember, nothing is impossible in life. Always be positive.
It would be better to talk with your family members closely about your plans.
Best of luck for your upcoming future. If satisfied, please like and follow me. If dissatisfied with the reply, please ask again without hesitation. Thanks. Radheshyam

Asked on - Jan 22, 2025 | Answered on Jan 22, 2025

Any other advice...I think my fmly shouldn't allow me... although I'm an average student...if u don't mind can I ask u...what u have done after ur 12th...I mean ur advice is good for me

Ans: Welcome back.
This is a very personalized question. But after 12th, I completed my Civil Engineering from the Govt College of Engineering. Done job and then started my own business in a space of 6 feet x 8 feet and struggled for Rs.50/- per day to earn. But never lost confidence and built my business building in a cream locality in just 10 years.
Hope you may also achieve the desired goal in the future if you are well determined.
Best of luck for your upcoming future. If satisfied, please like and follow me. If dissatisfied with the reply, please ask again without hesitation. Thanks. Radheshyam

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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