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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 23, 2023

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
Nikhil Question by Nikhil on Feb 19, 2023Hindi
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Hi i m 42 yrs age n have salary of 35k p m and out of that 5k i save in mutual funds but the currently its negative return Parag parikh flexicap n UTi mid cap and i dont have much saving how to plan my retirement so i get 25 to 30k per month i got

Ans: Hi Nikhil,

Please consider investing in equity funds for a period of 7 years or more. In the short term, equity funds can deliver negative returns or low returns. Regardless of that, stay the course and continue your SIP to build your retirement corpus.
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  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Asked by Anonymous - Apr 22, 2024Hindi
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Hi ,I am 31 years old , working as software developer with in-hand salary of 1 lakh/month ,current expenses is 15000/month, my total investment is 15 lakh in mutual fund,5 lakh stock,4 lakh in ppf, currently investing 30,000/month in mutual fund,12,000/month in ppf,want to retire in next 10 years,can you suggest my e how to plan for retirement.
Ans: It's great to see your proactive approach towards planning for retirement at such a young age. Let's outline a retirement plan tailored to your financial situation and goals:
Assessing Your Current Situation:
1. Income and Expenses: With a monthly salary of ?1 lakh and expenses of ?15,000, you have a significant surplus for savings and investments.
2. Investment Portfolio: Your investments in mutual funds, stocks, and PPF indicate a diversified approach to wealth accumulation, which is a positive step.
Retirement Planning:
1. Define Retirement Goals: Determine your desired lifestyle and expenses during retirement. Consider factors like healthcare, travel, hobbies, and inflation when estimating future expenses.
2. Calculate Retirement Corpus: Based on your retirement goals and expected expenses, calculate the corpus required to sustain your lifestyle during retirement. Factor in inflation and potential healthcare costs.
3. Investment Strategy: Given your age and investment horizon of 10 years, focus on aggressive wealth accumulation. Consider increasing your monthly SIP contributions to mutual funds to accelerate growth.
4. Asset Allocation: Maintain a diversified portfolio across asset classes like equity, debt, and other investment avenues. Rebalance your portfolio periodically to align with your risk tolerance and retirement goals.
5. Tax Planning: Utilize tax-efficient investment options like Equity Linked Savings Schemes (ELSS), PPF, and NPS to maximize tax benefits and optimize returns.
6. Emergency Fund: Ensure you have an adequate emergency fund equivalent to 6-12 months of expenses to cover unforeseen circumstances during retirement.
7. Review and Adjust: Regularly review your retirement plan and make adjustments as needed to stay on track towards your goals. Seek guidance from a Certified Financial Planner for personalized advice and support.
Conclusion:
With disciplined saving, strategic investing, and careful planning, you can achieve your goal of retiring in the next 10 years. Stay focused on your retirement objectives and make informed decisions to ensure a financially secure future.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 12, 2024

Asked by Anonymous - May 12, 2024Hindi
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I have a monthly income of 1.4 lacs. Have 62 Lacs in FD, 5 Lacs in PF and about 5 lacs in equity. I spend about 40 k per month. How can I plan my retirement. Please suggest. Thanks.
Ans: Given your current financial situation, planning for retirement requires a strategic approach to ensure financial security in your golden years. Let's outline a retirement plan tailored to your needs:

Assess Retirement Needs: Start by estimating your expected expenses during retirement. Consider factors such as healthcare costs, living expenses, travel, and leisure activities. Be realistic in your estimations to ensure you have adequate funds to maintain your desired lifestyle.

Evaluate Current Assets: Take stock of your existing assets, including FDs, PF, and equity investments. Calculate their expected growth over time and factor in inflation to determine their future value. This assessment will provide a baseline for your retirement corpus.

Investment Strategy: Given your conservative investment approach with significant holdings in FDs and PF, consider diversifying your portfolio to optimize returns while managing risk. Allocate a portion of your portfolio to equity investments for long-term growth potential, balanced with fixed-income securities for stability.

Retirement Corpus Calculation: Determine the desired corpus needed to sustain your lifestyle during retirement. Factor in inflation, life expectancy, and potential healthcare expenses. Use online retirement calculators or consult with a Certified Financial Planner to arrive at a realistic target amount.

Savings and Investments: Maximize your savings by setting aside a portion of your monthly income specifically for retirement. Channel these savings into a mix of retirement-focused investments such as Equity Linked Savings Schemes (ELSS), National Pension System (NPS), and Mutual Funds tailored for retirement planning.

Regular Review and Adjustment: Regularly review your retirement plan to track progress towards your goals and make adjustments as needed. As you approach retirement age, gradually shift your portfolio towards more conservative investments to preserve capital and minimize risk.

Emergency Fund: Maintain an emergency fund equivalent to 6-12 months' worth of living expenses to cover unforeseen expenses or income disruptions during retirement.

Consult a Financial Planner: Consider seeking guidance from a Certified Financial Planner who can provide personalized advice based on your financial goals, risk tolerance, and retirement timeline. They can help optimize your retirement plan and address any concerns or uncertainties you may have.

By following these steps and staying disciplined in your savings and investment approach, you can work towards building a substantial retirement corpus that will provide financial security and peace of mind in your retirement years.

Best Regards,

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

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 03, 2024

Asked by Anonymous - Jul 03, 2024Hindi
Money
Hi i am 39 year old my in hand salary after tax is 51 lpm I have fixed deposit worth 80 lac ppf of 34 lac, I have own flat fully paid, mutual fund around 13 lac,10 lac emergency fund, my wife housewife and son is 3 year old, what can I do to plan my retirement my current yearly expense is around 9 lacs and I don't have any loan
Ans: Planning for retirement is crucial, and it's wonderful that you're thinking ahead. Let's create a comprehensive plan to ensure a comfortable and secure retirement for you and your family. I'll guide you through the steps and strategies needed, addressing various aspects of your financial situation.

Understanding Your Current Financial Situation
You have a strong financial foundation, which is great. Your current financial assets include:

Fixed Deposit: Rs. 80 lakh
PPF: Rs. 34 lakh
Mutual Funds: Rs. 13 lakh
Emergency Fund: Rs. 10 lakh
Fully Paid Flat
Your annual expenses are Rs. 9 lakh, and you have no loans. With these details in mind, we can create a solid retirement plan.

Setting Retirement Goals
First, let's set clear retirement goals. This includes determining the age you wish to retire, estimating your post-retirement expenses, and accounting for inflation.

Retirement Age: Let's assume you plan to retire at 60.
Post-Retirement Expenses: Estimating your expenses to increase with inflation, let's assume Rs. 12 lakh annually.
Your current expenses of Rs. 9 lakh will likely increase over time due to inflation. Planning for increased expenses ensures you won't fall short of funds during retirement.

Building a Retirement Corpus
To ensure a comfortable retirement, you need to build a substantial retirement corpus. Given your current financial assets and future goals, let's discuss how to achieve this.

Mutual Funds: A Key Investment
Mutual funds are a crucial part of your investment strategy. They offer diversification, professional management, and the potential for higher returns. Let's explore the categories of mutual funds and their benefits:

1. Equity Mutual Funds
Equity mutual funds invest in stocks. They have the potential for high returns but come with higher risk.

2. Debt Mutual Funds
Debt mutual funds invest in bonds and fixed income securities. They are safer but offer lower returns compared to equity funds.

3. Balanced or Hybrid Funds
These funds invest in both equity and debt, providing a balance of risk and return.

Advantages of Mutual Funds
Diversification: Mutual funds spread investments across various assets, reducing risk.
Professional Management: Experts manage your investments, aiming for the best returns.
Liquidity: You can easily buy or sell mutual fund units.
Compounding: Reinvesting returns can lead to significant growth over time.
Risk and Power of Compounding
Mutual funds come with market risks. However, long-term investments usually balance out short-term market fluctuations. The power of compounding significantly boosts your corpus over time. By reinvesting your returns, your money grows faster.

Disadvantages of Index Funds and Direct Funds
While index funds track market indices and come with lower fees, they lack the active management that can potentially outperform the market. Direct funds may save on commissions, but investing through a certified financial planner (CFP) provides valuable guidance and better fund selection.

Investing in Actively Managed Funds
Actively managed funds, chosen by an experienced CFP, often outperform index funds. A CFP’s expertise helps in selecting funds tailored to your financial goals and risk tolerance.

Structuring Your Investments
Now, let's structure your investments to build a robust retirement corpus.

Emergency Fund
You already have a Rs. 10 lakh emergency fund. Keep this in a liquid or ultra-short-term debt fund to ensure quick access.

Fixed Deposits and PPF
Your fixed deposit and PPF are safe investments. However, their returns may not outpace inflation in the long term. Consider moving a portion into higher-yielding investments like mutual funds.

Diversifying Your Mutual Fund Portfolio
Diversification is key. Spread your investments across various mutual funds:

Equity Funds: Allocate a significant portion to equity funds for higher returns.
Debt Funds: Invest in debt funds for stability and income.
Balanced Funds: Include balanced funds to mitigate risk while aiming for growth.
Systematic Investment Plan (SIP)
Investing through SIPs ensures disciplined investing and rupee cost averaging. This strategy reduces the impact of market volatility.

Reviewing and Rebalancing Your Portfolio
Regularly review and rebalance your portfolio. This ensures your investments stay aligned with your goals and risk tolerance. A CFP can provide ongoing guidance and adjustments.

Tax Planning
Effective tax planning maximizes your returns. Utilize tax-saving instruments and plan withdrawals to minimize tax liabilities.

Insurance Coverage
Ensure you have adequate insurance coverage:

Life Insurance: Protect your family’s future with sufficient life insurance.
Health Insurance: Adequate health insurance covers medical emergencies without draining your savings.
Retirement Income Streams
Plan for multiple income streams during retirement:

Systematic Withdrawal Plan (SWP): Use SWPs from mutual funds for regular income.
Dividends: Invest in dividend-paying funds or stocks.
Part-Time Work: Consider part-time work or consultancy for additional income.
Estate Planning
Estate planning ensures your assets are distributed as per your wishes. Prepare a will and consider trusts for efficient transfer of wealth.

Final Insights
Planning for retirement involves a multi-faceted approach. By diversifying your investments, utilizing mutual funds, and planning for tax efficiency, you can build a substantial retirement corpus. Regular reviews and adjustments with a CFP ensure you stay on track to achieve your retirement goals.

Conclusion
Planning your retirement requires careful consideration of various factors. By following the outlined strategies, you can ensure a comfortable and secure retirement for you and your family. Regularly consulting with a CFP will help you stay on track and make informed decisions.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 14, 2024

Money
Hello , My age is 48 years, monthly income is approx. 1.5 lakh, I have no loan and any liability. I have 3 lakh in Shares , approx 30 lakh in PPF, 35 lakh in FDR , approx 3 lakh in saving., 60 lakh in NPS and Rs 48000/- per month NPS contribution, 5 lakh in SGB, what will my financial plan for retirement income of 2.5 lakh- per month
Ans: At the age of 48, your financial portfolio is quite diversified. Your monthly income of Rs 1.5 lakh is a strong base, and you’ve been diligent in saving across various instruments. Let’s break down your assets to understand your current financial standing:

Shares: Rs 3 lakh

PPF: Rs 30 lakh

FDR: Rs 35 lakh

Savings: Rs 3 lakh

NPS: Rs 60 lakh with a monthly contribution of Rs 48,000

SGB: Rs 5 lakh

With no liabilities or loans, you’re in a favourable position to plan for your retirement. Your goal of achieving a retirement income of Rs 2.5 lakh per month is ambitious, yet achievable with careful planning and strategic investments.

Assessing Your Retirement Goals
Retiring with a monthly income of Rs 2.5 lakh requires substantial planning. Here’s what you need to consider:

Inflation: Over the next few years, inflation will erode the purchasing power of your money. A monthly income of Rs 2.5 lakh today might need to be much higher by the time you retire.

Life Expectancy: Considering an average life expectancy of 80 years, your retirement plan should be robust enough to last for at least 30-35 years.

Healthcare Costs: With age, healthcare expenses will increase. It’s essential to allocate funds specifically for medical emergencies.

Lifestyle: If you plan to maintain or even enhance your current lifestyle, your retirement corpus should be sizeable enough to support this.

Evaluating Your Current Investments
Your investments are spread across different instruments, each with its benefits and limitations. Let’s evaluate them:

Public Provident Fund (PPF)
Advantages: PPF is a safe investment with a decent interest rate, and it’s tax-free.

Limitations: The lock-in period and the maximum contribution limit restrict how much you can invest.

Recommendation: Continue contributing to PPF, but don’t rely on it solely for retirement. PPF will provide stability, but it won’t be enough to meet your Rs 2.5 lakh per month target.

Fixed Deposit Receipts (FDR)
Advantages: FDs offer guaranteed returns and are a safe investment option.

Limitations: The interest rates on FDs are often lower than inflation, leading to a decrease in real returns over time.

Recommendation: While FDs are good for short-term goals and emergencies, they shouldn’t be your primary retirement investment. Consider reallocating a portion of this into higher-return investments.

National Pension Scheme (NPS)
Advantages: NPS is a robust retirement savings tool, offering market-linked returns and tax benefits.

Limitations: NPS has restrictions on withdrawals and requires annuitisation at maturity, which might reduce liquidity.

Recommendation: Continue your contributions to NPS, but plan for how you’ll manage the annuity phase. The lump-sum withdrawal option should be carefully managed.

Sovereign Gold Bonds (SGB)
Advantages: SGBs offer a safe way to invest in gold with an interest component.

Limitations: Gold is typically seen as a hedge rather than a primary investment for income generation.

Recommendation: Keep SGBs as part of your diversified portfolio but avoid over-investing in gold. It’s more of a safety net than a growth tool.

Shares
Advantages: Equities can provide high returns and help in wealth accumulation.

Limitations: Shares are volatile and require careful management to avoid losses.

Recommendation: Your equity investment is relatively low. Consider gradually increasing your exposure to equities through mutual funds or systematic investment plans (SIPs) for long-term growth.

Strategic Rebalancing of Your Portfolio
To meet your retirement goal of Rs 2.5 lakh per month, you’ll need to rebalance your portfolio strategically. Here’s how you can do it:

Increase Equity Exposure
Reason: Equities have the potential to outpace inflation and generate significant returns over the long term.

Action: Consider investing in diversified equity mutual funds or SIPs. Over the next 10-12 years, this will help build a robust corpus.

Maximise NPS Benefits
Reason: NPS is tax-efficient and offers good returns, especially with equity exposure.

Action: Continue your Rs 48,000 monthly contribution. At retirement, plan to manage the withdrawal carefully, considering both the annuity and lump-sum options.

Reduce Fixed Deposit Allocation
Reason: FDs offer lower returns compared to other investment options.

Action: Gradually shift a portion of your FD savings into equity or balanced mutual funds. This will help grow your corpus faster.

Maintain a Balanced Portfolio
Reason: Diversification reduces risk and ensures stability.

Action: Keep a mix of equities, debt, gold, and NPS. This balanced approach will protect you against market volatility while ensuring growth.

Planning for Healthcare and Contingencies
Healthcare is a significant concern during retirement. Here’s how you can prepare:

Emergency Fund: Maintain at least 6-12 months’ worth of expenses in liquid savings for emergencies.

Health Insurance: Ensure you have comprehensive health insurance coverage. Consider a top-up plan if needed.

Medical Corpus: Set aside a dedicated corpus for healthcare. This could be in the form of a health savings account or a specific investment geared towards medical expenses.

Ensuring a Steady Retirement Income
To achieve a retirement income of Rs 2.5 lakh per month, consider the following strategies:

Systematic Withdrawal Plan (SWP)
Advantages: SWP from mutual funds allows you to withdraw a fixed amount regularly while the rest of your investment continues to grow.

Action: Set up SWPs from your equity and debt mutual funds. This will provide you with a steady income while ensuring your corpus continues to work for you.

Annuities and Pensions
Advantages: Annuities provide a guaranteed income for life.

Limitations: Annuities can have lower returns compared to other investments and may not keep pace with inflation.

Action: Use a portion of your NPS maturity amount to purchase an annuity for guaranteed income. However, balance this with other investments to ensure inflation-adjusted growth.

Realigning Investments Closer to Retirement
Reason: As you approach retirement, reducing exposure to high-risk investments is crucial.

Action: Gradually shift from equity to more stable debt instruments or balanced funds as you near retirement. This will protect your corpus from market volatility.

Final Insights
Your financial foundation is strong, with diversified investments and no liabilities. However, to achieve your goal of a Rs 2.5 lakh monthly income during retirement, you’ll need to make strategic adjustments to your portfolio.

Here are the key takeaways:

Increase Equity Exposure: Focus on long-term growth through diversified equity mutual funds or SIPs. This will help build the corpus you need.

Maximise NPS: Continue your contributions and plan for strategic withdrawals at retirement.

Reduce Fixed Deposits: Shift from low-return FDs to higher-yield investments like mutual funds or equities.

Maintain a Balanced Portfolio: Ensure diversification to reduce risk while maintaining growth.

Plan for Healthcare: Set aside a dedicated medical corpus and ensure you have adequate health insurance.

Use Systematic Withdrawal Plans (SWPs): This will provide a steady retirement income while keeping your investments growing.

Consider Annuities: Use part of your NPS maturity to purchase an annuity for guaranteed income, but don’t rely solely on it.

Realign Investments Closer to Retirement: Gradually reduce risk as you approach retirement to protect your corpus.

By carefully planning and making these adjustments, you can achieve your retirement goal and enjoy a comfortable, worry-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Confidence rooted in self-awareness and emotional maturity can be particularly appealing. This doesn’t mean showing off achievements or wealth, but rather displaying a genuine sense of self and clarity about what you want in life. Emotional maturity—expressed through kindness, patience, and good communication—creates a safe and engaging space for meaningful interactions.

Equally important is the ability to connect on a deeper level. Shared interests, respect for her individuality, and a willingness to engage with her worldview go a long way. Relationships thrive when both individuals feel valued and heard. An older man should approach a younger woman with curiosity about her experiences and aspirations, while also offering his perspective in a way that enriches the connection rather than dominating it.

It’s also crucial to approach such a dynamic with an understanding of potential societal perceptions. While age-gap relationships are increasingly accepted, they often come with assumptions or judgments. The foundation of a strong relationship in this context lies in ensuring that the connection feels equal, mutually respectful, and free of power imbalances.

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Relationships Expert, Mind Coach - Answered on Nov 24, 2024

Asked by Anonymous - Nov 22, 2024
Relationship
I was in a relationship with a boy(he is 35 yrs old man, and a lawyer but not practising in a court, he had a lot of relationship during our relationship and after break up , He had changed 4, 5 women or used them physically) for 3 years. It has been three-four months. We are not in a relationship. We have broken up. I told him to delete our personal pics and videos. He is not deleting them and is not blackmailing me either. I told him that since we don't want to be together, we don't have a future together, then delete them. He is not deleting them and is not blackmailing me either and I want him to delete them. Who knows what will come to his mind in the future and what will happen. If we don't continue, he has no right to Keep the pics in your mobile, whatever video is personal to us, don't delete it and don't blackmail me either. I am not able to understand what should I tell him, although I have requested him a lot to delete it but he is not doing it either, He told me that I have kept ur pics and videos So that I cannot complain against him in future. so what should I do, please guide me. I know I had made a huge mistake to love him and gave him right to keep personal pics or videos..
Ans: At this point, it’s essential to protect your emotional and mental health while addressing this issue. You might consider seeking support from someone you trust, such as a close friend or family member, to share this burden. Talking to someone who knows you and your situation can provide comfort and practical guidance.

If he continues to refuse, you may need to explore your legal options. Many countries have laws that protect individuals from having private photos or videos kept or shared without their consent. Taking this step might feel daunting, but it could give you a sense of empowerment and security. It’s not about revenge or escalation; it’s about protecting yourself and asserting your right to move forward without this hanging over you.

On an emotional level, remind yourself that you are not defined by this relationship or the choices you made while in it. You trusted someone who didn’t honor that trust, but this doesn’t diminish your value or strength. It’s natural to feel regret, but you deserve compassion from yourself as you work through this.

You’re not alone in this, and it’s okay to seek help—whether that’s legal advice, emotional support from loved ones, or even professional counseling to navigate the stress and anxiety this situation might be causing. The most important thing now is to take steps that protect your peace of mind and ensure your future isn’t weighed down by his actions.

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Milind

Milind Vadjikar  |687 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 24, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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Hello Team, Hi Dev Sir, I am 43 years old employed. Here are my financial stats: Loan - 35 lacs Saving- 27 lacs 1 house bought in 2009 at rent (14000/month) and valued at 60 lacs Another house which I live is valued at 90 lacs Monthly income after tax - 2.5 lac Monthly expenses- 1 lac PF/gratuity - 16 lacs MF - 2 lacs NPS - 4 lacs What are my options to retire after 5 yrs with good corpus?
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What is your monthly contribution to EPF, NPS and MFs?

Please clarify so as to advise you suitably.

Thanks;

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Nayagam P

Nayagam P P  |3918 Answers  |Ask -

Career Counsellor - Answered on Nov 24, 2024

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Career
Sir i am currently in class 11 th and i just want to prepare for jee mains and advanced 2026 exam so give me some roadmap to achieve and also guide me for computer science
Ans: Shreya, I trust that you have already enrolled in a coaching center, whether it be online or in person, and have finished your eleventh syllabus. (1) If you have not yet created your own short-notes for the 11th syllabus that has been completed, prepare it and continue to revise them every three days until 2026, even after you have commenced studying the 12th syllabus in December 2024. (2) Review the questions that you have incorrectly answered or skipped in mock tests conducted by your Coaching Center and/or practiced independently. (3) In order to increase your rank/percentile by targeting computer science at a reputable college/institute, prioritize mathematics (although all three subjects are equally important). (4) You should be thorough with NCERT books, particularly those pertaining to chemistry, in conjunction with the materials provided by your coaching institute. (5) Have 1-2 reference books for each subject. Not exceeding two. (6) Review the questions that were incorrectly answered or skipped in your mock and practice exams and retake the test. It is advisable to maintain a distinct note-book for these types of questions, which should include answers and elucidating notes, in order to review them repeatedly for all three subjects. (7) Download the SYLLABUS of JEE Main 2025 (available on Google by searching for "JEE Main Information Bulletin") and print it out, as there will be no significant changes to the syllabus in 2026. Maintain it on your study table and continue to update the 11th syllabus chapters and concepts that you have covered to date by marking them with a checkmark. This will boost your confidence if you continue to update the same till November 2025. (8) A slight difference in Syllabus might be visible when you acquire the 2026 JEE Main / JEE Advanced Syllabus. The same can be resolved within 15 days to one month in 2025-26. (9) Increase your productivity by studying for 45 minutes to 1 hour, taking a 10-minute break, and then continuing for 45 minutes. (10) Take a 2-3 minute break every 45 minutes while practicing questions, whether offline or online. This break should consist of closing your eyes and taking long breaths to enhance your concentration and mental capacity. (11) Additionally, it is recommended that you acquire the 20-40 PREVIOUS years question paper book of JEE (Main & Advanced) from Amazon. Arihant's, Disha's, or MTG's publications are recommended. Once you have finished reading a chapter, practice and complete it to determine the extent to which you have comprehended the concepts and to identify areas that require improvement. (12) By October 2025, ensure that you have reviewed significantly more than 90% of the previous years questions. Your confidence will be further bolstered by this. (13) After the mock test is completed at your coaching center, clarify all incorrectly answered or ignored questions and continue to revise and practice them, as these types of questions will significantly disrupt your performance in the actual JEE. (14) If you are a regular school student, inquire with your class teacher about the minimum attendance requirement as outlined in the Board's regulations (State, CBSE, ICSE, etc.). Utilize the remaining 15% by taking time off and preparing for your JEE, if only 85% attendance is required. (15) THE MOST IMPORTANT Value Added Suggestion: Rather than solely relying on JEE, please participate in 5-7 entrance exams/counseling process with a JEE score for getting admission into any one of the private engineering colleges to have a variety of options to select the most suitable one. All the BEST for Your Prosperous Future.

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Radheshyam

Radheshyam Zanwar  |1062 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 23, 2024

Asked by Anonymous - Nov 23, 2024Hindi
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Career
My son graduated BE CSC with 8.9 CGP was offered a job as system engineer inTCS in April when he was in his 8th semister. Till November 23 he didn't get the on boarding letter, in the meantime whe appeared in two' exams under same offer. Advice what has been going on.
Ans: Hello.
Whatever you are saying is just shocking. The track record of TCS is not like that, as you described in your question. It would be better to contact TCS again and ask them when they will give on boarding letter. It is not clear from your query whether your son had done some correspondence with TCS or not related to the job offered. It is also not clear which two exams he appeared in. If not selected in a campus interview, searching for a job might be tedious but not so difficult. Ask your son to post a strong resume on the LinkedIn portal and remain in touch with his seniors. Please visit the websites of renowned companies daily to search for vacancies. There are many job-offering portals where he can register his name. Please ask the college placement division for any placement opportunities.
Wishing the best of luck for his bright future.

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If dissatisfied with the reply, please ask again without hesitation.
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Radheshyam

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T S Khurana

T S Khurana   |197 Answers  |Ask -

Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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