Should I Invest 34 Lacs or 13 Lacs in 54EC Bonds?

Ans: Binod Sir, Providing information about NITs/Branches based on percentile for each one & based on category can be challenging. Instead, follow these steps: 1. Calculate your approximate rank based on your daughter's percentile using a Google search. 2. As mentioned in several my previous responses, check the JoSAA opening and closing ranks for 2024 to get a general idea of the institutes and branches your daughter might be eligible for, based on your daughter's category i.e. OBC. Make sure you fill in your preferences accordingly during the actual JoSAA counselling process after JEE Advanced. 3. To better understand the JoSAA counselling process, I recommend watching an EduJob360 video if time permits. 4. Additionally, it’s advisable to appear for 3-4 more entrance exams (if you can afford for it) as backups. Relying only on JEE may limit your options, so it's good to have a broader range of choices to ensure your daughter selects the most suitable path for you. All the Best for Your Daughter's Prosperous Future.

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Ans: Higher Participation Leads to Stability
More retail investors entering the stock market improves liquidity and reduces volatility. This can make markets more stable over time.

Valuation Concerns in the Long Run
When too much money flows into stocks, valuations may rise beyond fundamentals. This can lead to lower future returns or market corrections.

Fund Manager Challenges
Large inflows into mutual funds can make it harder for fund managers to find undervalued stocks, potentially reducing the alpha (excess returns) they generate.

Sector and Thematic Boom
More awareness can cause temporary bubbles in popular sectors. Investors should be cautious and stay diversified.

Should You Invest in Gold ETF?
Gold is a Hedge, Not a Growth Asset
Gold protects against inflation and currency fluctuations but does not generate high long-term returns like equities.

ETFs vs. Physical Gold
Gold ETFs are better than physical gold as they offer liquidity, no storage costs, and easy tracking of market prices.

Portfolio Diversification
A small allocation (5-10%) in gold ETFs can act as a hedge, but over-investing in gold can limit wealth creation.

Final Insights
Stock market returns may moderate in the future, but equities remain the best long-term wealth creator.

Avoid sector hype and focus on active fund management for better risk-adjusted returns.

Gold ETFs are useful for diversification but should not be the core of your portfolio.

Continue SIPs in actively managed mutual funds and adjust allocation based on goals.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: Madam, If your daughter is interested in medicine but faces financial challenges, exploring alternative healthcare courses like B.Sc Nursing, Paramedical Courses, Government Scholarships and Subsidies, or career counseling can be a smart move. These courses offer a stable career with numerous job opportunities in hospitals, clinics, and healthcare facilities, and are typically more affordable than MBBS. Additionally, government scholarships and subsidies in Telangana can help reduce the cost of pursuing medical-related courses. Consulting a career counselor specializing in healthcare education can provide personalized advice based on the daughter's interests, strengths, and financial situation. Ultimately, these alternatives can provide a quicker and more affordable route into the healthcare industry, ensuring a rewarding and stable career in a field she is passionate about. All the Best for your Daughter's Prosperous Future.

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Ans: 95.60 is a good percentile. No online teaching is required. She will get some NIT or good state level engineering colleges or she can try for JEE ADVANCED. But for JEE Advance she need to take special training through postal coaching or online coaching frok some good academy. Regards.Professor

Ans: I am not authorized to comment about the best private engineering college or deemed university. From net you check their reputation and national ranking. Professor

Ans: She is eligible for JEE advanced. I think she will surely get computer Science in mid level NITs. Regards. Professor.................:)

Ans: I won't comment on this.

Ans: I am not entitled to discriminate between institutes. But go for that where he is getting maximum of his choices.

Ans: I think you will get CSE in both. But what would you prefer that is your choice.