I'm 22 years old. I want to create a corpus of 3 crore in next 15-20 years. I have following MF currently running from past 1-2 years. I'm a student and studying law and hence can invest only 12k a month maximum. From 2024 I will start earning and can make additional investments or add into existing SIPs.

Please guide me if any changes need to be done. Also am planning to start an SIP in small cap fund. Please suggest on the same.

1. TATA digital India fund growth - 2500 pm

2. Kotak flexicap fund - 2000 pm

3. Mirae asset large cap - 2000 pm

4. ICICI prudential NASDAQ 100 - 2000 pm

5. Gold ETF and Silver ETF - 1k each pm

All the above mentioned are step up SIPs with 10% step up each year

Please guide according to portfolio.

Ans: Dear Sir, Most recruiters tend to overlook candidates who are over the age of 50-55 when considering new hires for their companies. You can still consider applying via LinkedIn, or you might want to reach out directly to organizations in countries across the Middle East, Africa, and South East Asia. Alternatively, you may consider pursuing opportunities as a contractor in India. Consider reaching out to individuals you have collaborated with previously via the networks you engage with. All the BEST for Your Prosperous Future, Sir.

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Ans: Yes Promod Sir, you can. By seeking for a senior position, you can, indeed. The first and greatest place to apply for a new job is LinkedIn. Create a powerful and polished LinkedIn profile that showcases your accomplishments over the previous five years. You can either search for a suitable job or set up job alerts to receive notifications. The reputable Cement Industries even accepts direct applications by email from their websites. When applying for jobs, you should have a professionally polished and updated resume. Watch some of my resume-building and other helpful videos on YouTube at edujob360 if you have the time. And please continue with JK Cement till you get a confirmed better offer. All the BEST for Your Prosperous Future.

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Ans: Please let me know what are your fasting and Pp blood sugar levels? what is your HbA1c?
Going by current information, you might need atleast twice metformin 500 mg alongside life style modifications. 140 to 170 pp is high and need more medication.

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: Not sure if this question is for me (as I am not Bikki) but it appeared for me so I am answering this one.

Remylin D is a multivitamin with alpha lipoic acid etc. It is essentially useful supplement. In diabetes and specially those who are on treatment with Metformin etc, there is change in gut microbiota and deficiency of Vit B12 etc, so such supplements are needed. Specially those taking metformin should take such multi-vitamins.

So, Remylin D or any similar multivitamin is not a treatment of diabetes but helpful. This also helps in improving cell size of RBCs and thus treat anemia; it does not benefit in iron deficiency anemia but micro or macrocytic anemias where cell sizes are either big or small.

The other relationship between Hb and diabetes is that people who have low hameoglobin, the HbA1c, a marker for diabetes management is usually underestimated. Therefore, those who are anemic, HbA1c is not a good marker.
For male, haemoglobin should be above 13 gm% and for female above 12gm%

Best,
Dr Chandrakant Lahariya
Centre for Health: The Specialty Practice
Safdarjung Enclave, New Delhi

Ans: The first step in your investment journey is to define your goals clearly:
- Children's Education: With your eldest at 15, ensuring funds for higher education is crucial.
- Retirement: Aim for a comfortable retirement by age 60 to enjoy life without financial stress.
- Emergency Fund: Set aside funds for unforeseen expenses, targeting at least six months' living costs.
To make the most of your monthly investment of ?75,000, consider allocating your funds strategically:
- Emergency Fund (?15,000/month): This fund should be easily accessible. Use fixed deposits or liquid mutual funds to ensure your money is safe and available when needed.
- Children's Education (?30,000/month): Invest in a combination of equity and debt mutual funds. Large-cap mutual funds offer stability, while balanced funds provide growth potential. This mix can help your money grow over time while minimizing risk.
Retirement Fund (?30,000/month): Focus on equity mutual funds through Systematic Investment Plans (SIPs). These investments can yield significant growth over the long term, making them ideal for retirement savings.
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: I had already answered to the 1st part of your question i.e. pursuing computer science without Maths. As far as 2nd part of your question is concerned, prefer MS abroad later. All the BEST for Your Prosperous Future.

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Ans: If you prefer immediate hands-on experience and financial independence, starting your practice in India might be the better choice. If you’re passionate about making an impact in Ayurveda and possibly expanding its global reach, pursuing further studies abroad can be valuable. All the BEST for Your Prosperous Future.

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Ans: Lakshmi, Some of the options for you choose from:

Higher Education and Specialization:
• MSc in Botany or Plant Sciences: Deepens expertise in botany.
• MSc in Environmental Science or Ecology: Expands study to ecosystems, conservation, and biodiversity.
• MSc in Biotechnology or Microbiology: Opens up industrial, research, and healthcare opportunities.
• MBA in Agribusiness or Environmental Management: Combines botany with business skills.
• MSc in Horticulture or Forestry: Specialized programs focused on plant cultivation, forest conservation.

Government Jobs:
• Botanist or Environmental Scientist: Positions in government research bodies.
• Agriculture Officer or Horticulture Officer: Roles in the Department of Agriculture or Horticulture.

Research and Academia:
• Junior Research Fellowships (JRF): Offers stipends to work in research labs, universities, and government projects.
• Teaching in Schools or Colleges: With a Master’s degree, qualified for assistant professor roles or school teaching jobs.
• PhD in Botany or Related Fields: Essential for research-focused careers, teaching in universities, and leading scientific projects.

Industry and Corporate Jobs:
• Biotechnology and Pharmaceutical Companies: Roles in R&D, quality control, and product development.
• Agriculture and Agrochemicals: Roles in research, product development, and quality testing of seeds, pesticides, and fertilizers.
• Environmental Consulting Firms: Roles in environmental impact analysis, pollution control, and biodiversity assessments.

Certificates and Short Courses
• You can consider for Remote Sensing & GIS, Ethnobotany, Plant Tissue Culture, Agriculture Technology, or Bioinformatics.

All the BEST for Your Prosperous Future.

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Ans: Hope this information will be helpful to you.
• Choose an ESG Certification Program: GRI offers a Certified Sustainability Professional program.
• CFA Institute Certificate in ESG Investing: Focuses on ESG considerations for investors and financial professionals.
• SASB Fundamentals of Sustainability Accounting (FSA): Offers a certification to analyze ESG data based on industry standards.
• ESG Essentials Certificate by EFFAS: Provides a foundational course for ESG.
• Meet Eligibility Requirements: Most ESG certification programs don't have strict prerequisites, but some require a basic understanding of sustainability concepts.
• Complete Course Modules and Training: Covers core areas such as sustainable finance, ESG regulations, environmental impact assessments, CSR, and sustainable business practices.
• Pass the Exam: Certification exams test understanding of ESG principles, real-world application, and ability to analyze and implement ESG factors.
• Stay Updated with Continuing Education: Some certifications require ongoing education or recertification.
• Popular ESG Certifications with Details: CFA Certificate in ESG Investing, GRI Standards Certified Course, SASB’s FSA Credential, and University of Cambridge Institute for Sustainability Leadership. All the BEST for Your Prosperous Future.

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