I am investing in HDFC Small Cap Mutual Fund since Sep 2019 and till date accumulated 35% gain on investment from SIP of 2500/month. When I bought this scheme it was 5 star rated but now it's degraded to 2 star. As per current scheme, if i continue more than 3 year the profits get lowered to 12-15% range. Consider the current gain, i would like to know the view: should i continue SIP or withdraw the total sum and invest the received money in some other higher rated and profit making small cap fund like Quant, BOI etc., with same amount of SIP. 

Kindly guide and also advise which fund to switch if switch is recommended. My view is long term return for kid’s higher education, who is 4 year old.

Ans: Congratulations on your son's admission to VIT Vellore in the CSE branch! VIT takes care of the trending avenues in the IT industry and offers optional subjects to upgrade skills. Your son should work with complete dedication and involvement in the projects he undertakes at college. Students are mostly asked questions during interviews to check their knowledge and understanding.

Also to enhance his skills and increase his chances of securing top campus placements, he can consider the following certifications and courses:

Programming & Software Development

Data Structures and Algorithms (DSA)
Platforms: LeetCode, HackerRank, Codeforces, GeeksforGeeks
Importance: Key for cracking technical interviews.


Full-Stack Development
Courses: MERN (MongoDB, Express.js, React, Node.js) or Django for Python developers
Platforms: Udemy, Coursera, freeCodeCamp


Object-Oriented Programming (OOP)
Learn: C++, Java, or Python (advanced level)
Focus: Concepts like inheritance, polymorphism, and design patterns.



Artificial Intelligence & Data Science

Machine Learning & Artificial Intelligence
Platforms: Coursera (Andrew Ng's ML course), Kaggle, edX
Tools: TensorFlow, PyTorch, scikit-learn


Data Analytics and Visualization
Tools: Excel, Tableau, Power BI, SQL
Certifications: Microsoft Certified: Data Analyst Associate



Cloud Computing & DevOps
Cloud Certifications
Examples:
AWS Certified Solutions Architect
Google Cloud Professional Cloud Architect
Microsoft Azure Fundamentals


DevOps Tools
Tools: Docker, Kubernetes, Jenkins, Git
Certifications: Docker Certified Associate, Kubernetes Certified Administrator


Cybersecurity
Certifications:
CompTIA Security+
Certified Ethical Hacker (CEH)
Cisco Certified CyberOps Associate


Blockchain
Learn about distributed ledgers, smart contracts, and tools like Ethereum and Hyperledger.


Soft Skills Development
Public speaking: Toastmasters or local clubs
Communication: Attend workshops or use platforms like Udemy.


Competitive Programming
Regular participation in platforms like CodeChef, Codeforces, or AtCoder can enhance problem-solving skills.


Internships & Projects
Encourage him to apply for internships on platforms like Internshala or LinkedIn and work on real-world projects to strengthen his resume.

Ans: Hi Komalpreet
I assume you are talking about Applied Maths in Engineering. You can check PYQ and see which topic has more weightage & which topic is easy. This will help in clearing the backlog.

Ans: Hi
here are some options for MBBS from UAE.

Top 5 MBBS Colleges in UAE with Fees Structure 2024
University Name
Annual Fees
Total Fees For 5 Years

Gulf Medical University
INR 3,429,000
INR 17,145,000
Dubai Medical College for Girls, Dubai
INR 2,880,360
INR 14,401,800
Ras Al Khaimah Medical & Health Sciences University
INR 2,971,800
INR 14,859,000
Ajman University
INR 2,766.060
INR 13,830,300
University of Sharjah
INR 2,839,555
INR 14,197,775

Ans: Certainly you can apply to other companies. It is good that at present you are practising DATA SCIENCE. I would advise you to have primary knowledge of AI and Machine Learning some good YOU TUBE videos and UDEMY videos. Best of luck. Just follow me. I am always there for you. MAY GOD BLESS YOU. Professor....................................:)

Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
X: @mars_invest

Ans: First learn from YOU TUBE videos how to appear for interviews. Secondly know the knowledge of few of your favourite subjects in depth. Next CSE is an ever changing stream. So you must have up to date knowledge. Have some basis idea about AI and ML. These are the need of the present day. Be in touch with me. I am always there for you. Just follow me. Best of luck. MAY GOD BLESS YOU. Professor.........................:)

Ans: I think you want to mean Pharma d for diploma in pharmacy. Obviously B. Pharma is much better, because it's a full fledged degree course. Best of luck. Just follow me. May God Bless You. Professor................................................:)

Ans: Hello;

You may withdraw your EPF corpus claiming two consecutive months of unemployment after quitting the previous job(Aug-24).

Further if you have had 5 years, or more, of continuous service, across employer's but without any break, then your withdrawal will be tax free.

Else you may have a 10% TDS on withdrawal plus interest on contributions is also taxable as per slab rate.

Best wishes;

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Depending on the depth of the acne scars non surgical treatments like dermabrasion, lasers, PRP, Fillers etc may help. In severe cases, surgery may be helpful.