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Reetika Sharma |417 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Sep 17, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more

Question by Atanu on Sep 05, 2025Hindi

Money

Hi Reetika good Eveing..I am 59 years old working in a private Ltd Company.I will be retiring in July27.My retirement corpus will be around Rs 1.20 crores.How Rs 1.20 crores can be invested so that my current monthly exp amounting to Rs 80000Pm can be generated without eroding principal amt

Ans: Hi Atanu,

Generating 80000 per month from 1.2 crores can be tricky.
For an inflation adjusted withdrawal, need to generate a minimum of 12% annual return for the corpus to never end. In this case, monthly withdrawal is possible.

But you still have a year. You can either increase your savings for a year or cut down your expenses to have acomfortable retired life. Also make sure to have ample health insurance for you and family as it will be tough to get one after retirement.

Make sure your other goals and responsibilites are completed as this amount can only take care of your retired life and no goals.

Please do share a breakup of your investments and expenses for me to guide you in a more comprehensive way.

Or you can consult a Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Asked on - Sep 22, 2025 | Answered on Sep 25, 2025

how to invest Rs 1.20 crores so that I can generate Rs 80000 monthly

Ans: Hi,

You can easily withdraw 80000 per month forever from 1.2 crore fetching you 10% annually. The expenses of 80,000 will not be inflation adjusted and will last forever.
But for inflation adjusted expenses, the corpus of 1.2 crores will only last for 35 years for you.

Best way to get the said return is to invest the entire amount in a mix of debt, hybrid and equity mutual funds using a bucket strategy. It will give you an annualized return of 11-12% on your corpus.
A proper advisor would be able to make a customized strategy for you to park your amount for you to get monthly withdrawals.

Hence consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Asked on - Oct 05, 2025 | Answered on Oct 06, 2025

I have total Rs 1.20 crores with me. How to invest that amt so that capital does not erode and Rs 80000 monthly exp can be generated

Ans: As I mentioned earlier, consult a CFP professional who will design a bucket strategy for you to invest your retirement corpus and generate a monthly income of 80,000.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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 |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 02, 2025

Asked by Anonymous - Dec 29, 2024Hindi

Money

Dear Sir , I m 29 and govt employee in defence with salary of 75k per month, monthly deduction are - 5k in Pf, and i get around 60k per month after tax and pf and some other deduction . I have Pf od 17 lac, no other income source and i have to pay 6 lac to relative (no intrest ) borrowed for land purchase . Monthly expenses are 20k to 25k approx I want to retire at 40 with corpus of 2 Cr. Other than, have life time free health insurance. And monthly pension approx 50k when i retire. Please guide with how can i invest monthly income to get corpus .

Ans: At age 29, you have a steady government job in defence with a Rs. 75,000 monthly salary.

After taxes and deductions, you receive Rs. 60,000 monthly.

Your current PF corpus is Rs. 17 lakh, with Rs. 5,000 contributed monthly.

Your monthly expenses are Rs. 20,000 to Rs. 25,000, leaving a surplus of Rs. 35,000 to Rs. 40,000.

You have a liability of Rs. 6 lakh borrowed from a relative without interest.

Your goal is to retire at 40 with a corpus of Rs. 2 crore.

Setting Realistic Goals
Your target of Rs. 2 crore is achievable with disciplined investments.

Retirement at 40 comes with a monthly pension of Rs. 50,000 and lifetime health insurance.

The focus should be on efficiently using the Rs. 35,000 to Rs. 40,000 monthly surplus.

Clearing Existing Liability
Repay the Rs. 6 lakh borrowed amount within two years.

Dedicate Rs. 25,000 monthly towards repayment.

Avoid delaying repayment to reduce financial stress.

After clearing the debt, you can focus entirely on wealth creation.

Planning Investments for Retirement Corpus
1. Build an Emergency Fund

Maintain six months of expenses (Rs. 1.5 lakh) as an emergency fund.
Park this fund in a high-interest savings account or liquid mutual fund.
2. Start with Equity Mutual Funds

Allocate Rs. 30,000 monthly towards equity mutual funds.
Equity mutual funds offer higher returns over the long term.
Choose actively managed funds instead of index funds.
3. Explore Hybrid Mutual Funds

Invest Rs. 5,000 monthly in hybrid funds for moderate risk and returns.
Hybrid funds balance equity and debt, reducing overall portfolio volatility.
4. Continue PF Contributions

Your PF already provides a stable and safe growth avenue.
The Rs. 5,000 monthly deduction ensures a growing retirement corpus.
5. Avoid Low-Yield Investments

Avoid traditional fixed deposits or savings schemes.
These provide lower returns compared to mutual funds.
Tax-Efficient Investment Strategies
1. Equity Mutual Funds Taxation

LTCG above Rs. 1.25 lakh is taxed at 12.5%.
STCG is taxed at 20%.
2. Debt Mutual Funds Taxation

Gains are taxed as per your income tax slab.
Allocate a smaller portion to debt funds to minimise tax impact.
3. Claim Tax Benefits

Utilise tax-saving options under Section 80C.
Include PF contributions and eligible mutual fund investments.
Monitoring and Adjusting Investments
1. Review Investment Performance

Assess your mutual fund performance annually.
Switch funds if underperforming consistently.
2. Increase SIP Amount Gradually

As your income grows, increase your SIP amount.
This helps you achieve your corpus faster.
3. Diversify Across Sectors

Avoid concentrating your investments in a single sector.
Diversification reduces risk and enhances stability.
Retirement Planning Post Age 40
1. Withdraw Systematically

Use a systematic withdrawal plan from your Rs. 2 crore corpus.
This ensures monthly income while preserving the principal amount.
2. Rely on Pension for Basic Needs

Your Rs. 50,000 monthly pension can cover basic living expenses.
Use the investment corpus for other aspirations or emergencies.
3. Stay Invested in Equity

Keep a portion of the corpus in equity for long-term growth.
This ensures your funds outpace inflation.
Final Insights
Your retirement at 40 is achievable with a structured financial approach. Focus on clearing liabilities first and investing the surplus strategically. Prioritise equity mutual funds for long-term growth and monitor investments regularly. Ensure your financial discipline remains intact to achieve this ambitious goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2025

Asked by Anonymous - Jul 16, 2025Hindi

Money

I am 59 years old working in a private company.I will retire in July 2027 .I do not have pension.I will have a corpus of Rs 1.2 crore at the time of retirement including PPF and PF.How my corpus amt can be invested so that I can get rs 80000 per month for running my family.

Ans: Appreciate your detailed clarity and early planning for retirement.
You are nearing retirement with a clear corpus and goal.
That itself puts you ahead of many.

You aim to generate Rs 80,000 per month.
That is Rs 9.6 lakh per year from your retirement corpus.
You also want capital safety and steady income.

Let us go into a 360-degree strategy.

? Assessing Your Retirement Duration and Inflation

You may live 25 to 30 years post retirement.

So your corpus must last at least 30 years.

Rs 80,000 today will not be enough after 10 years.

You must plan for increasing income too.

Inflation will reduce value of your money every year.

So, we need growth + income.

Bank FD alone will not help in long run.

A balanced income-growth approach is required.

? Understanding the Role of Corpus and Drawdown

You will have Rs 1.2 crore in July 2027.

You want Rs 9.6 lakh income per year.

That is around 8% withdrawal on day one.

This is slightly aggressive for long-term safety.

So you must combine growth to support income.

Full withdrawal from safe assets will erode corpus fast.

Controlled drawdown with partial growth is the key.

? Creating an Income Ladder for Short, Medium and Long Term

You need to divide the corpus into 3 buckets.

Each has a clear purpose and time horizon.

Bucket 1: For 0–5 years’ expenses
– Rs 40 lakh approx
– Use mix of senior citizen saving scheme, monthly income plan from post office, short-term debt mutual funds (regular plan via CFP).
– These are stable and offer monthly income.
– Returns in this will mostly match inflation or slightly lower.
– But they provide liquidity and stability.

Bucket 2: For year 6–15 expenses
– Rs 40 lakh approx
– Invest in hybrid mutual funds (regular plans via MFD + CFP).
– These combine equity and debt.
– Offer moderate returns and balanced risk.
– You can start withdrawing from this after year 5.
– Switch matured bucket 1 money into this bucket.

Bucket 3: For year 16–30
– Rs 40 lakh approx
– Invest in equity mutual funds (regular plans only).
– This grows untouched for first 10-15 years.
– It will support income in later years.
– Withdraw only after 15 years.

? Why Not Index Funds or Direct Plans?

Disadvantages of index funds
– Index funds just mimic the market.
– They don’t protect during crashes.
– No risk control during volatility.
– No scope for alpha or outperforming market.

Actively managed funds
– Managed by experts to control downside.
– Aim to outperform market over long term.
– Better risk-adjusted returns when chosen by certified planners.

Disadvantages of direct plans
– No guidance, no monitoring, no rebalancing support.
– May miss switching signals or scheme change needs.
– More risk without professional help.
– Misaligned asset allocation can go unnoticed.

Regular plans via CFP + MFD
– Professional handholding.
– Correct scheme selection.
– Timely review and rebalancing.
– Retirement phase is critical. Guidance gives peace.

? Controlling Taxes on Your Withdrawals

Senior citizen savings, post office income are taxable.

Mutual fund withdrawals offer flexibility.

For equity mutual funds:

Gains above Rs 1.25 lakh per year attract 12.5% tax.

Below that, no LTCG tax.

Short-term gains are taxed at 20%.

For debt funds, all gains are taxed as per slab.

So plan withdrawals to stay tax efficient.

Spread redemptions to stay below exemption limit.

Use SWP (Systematic Withdrawal Plans) for equity funds.

? Planning For Emergencies and Health

Keep Rs 5–10 lakh in FD or liquid fund.

This is your emergency fund.

Don’t touch your income-generating corpus for emergencies.

Make sure you have health insurance of at least Rs 10–15 lakh.

A sudden hospital bill can affect your corpus badly.

Also consider personal accident policy.

Protecting capital is as important as investing it.

? Key Points to Avoid Investment Traps

Do not go for annuity products.
– They give low return and no flexibility.
– Tax inefficient and no growth.
– Once bought, cannot withdraw.

Don’t depend only on FD or SCSS.
– These lose value over time.
– Inflation eats into returns.
– No growth for future income.

Avoid new-age products like PMS or exotic insurance plans.
– High charges, no liquidity.
– Retirement is not the stage to experiment.

Avoid investing lumpsum in equity at once.
– Use STP (Systematic Transfer Plan) to invest gradually.
– This reduces risk of market timing.

? Reviewing Income, Growth, and Liquidity Annually

Every year check your corpus and income balance.

Adjust withdrawal if market is weak.

Shift money from Bucket 2 to Bucket 1 when needed.

Also rebalance between equity and debt.

If equity gains well, book profits and refill Bucket 1.

This gives discipline and peace of mind.

Regular reviews with CFP will help optimise this plan.

? Role of Your Spouse or Family in Corpus Planning

If your spouse also has corpus, you can split income sources.

You may use different tools for each.

For example, spouse can invest in SCSS, you in mutual funds.

This improves tax efficiency and diversification.

Consider joint ownership for easy access in future.

Also ensure nomination and Will is in place.

Smooth succession is also a key part of planning.

? Staying Emotionally and Financially Ready for Retirement

Retirement is not only a financial shift.

Emotional readiness is also needed.

Plan for purpose, time engagement, and daily routine.

Avoid boredom or unplanned expenses.

Keep separate fund for travel, hobbies, or festivals.

Lifestyle planning helps protect the core corpus.

With steady income and peace, you’ll enjoy retired life better.

? Finally

You have done well in saving Rs 1.2 crore.

With smart allocation, it can easily support your goal.

Stick to this 3-bucket strategy.

Avoid high-risk, inflexible, or DIY approaches.

Get a CFP to handhold this phase.

Plan income, growth and protection together.

With annual review, your plan will remain safe.

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

Naveenn Kummar |233 Answers |Ask -Follow

Financial Planner, MF, Insurance Expert - Answered on Sep 11, 2025

Asked by Anonymous - Jul 28, 2025

Money

I am 58 years old working in a private limited company.I will be retiring in July27.My corpus will be Rs 1.10 crores including retirement benifits.My current monthly exp is Rs 80000 pm.How can i invest Rs 1.10 crores so that I can get rs 80000 pm from that corpus

Ans: Dear sir ,
???? I would also strongly suggest working with a QPFP / Financial Planner to create a detailed retirement cash flow plan and fund monitoring strategy.

Best regards,
Naveenn Kummar, BE, MBA, QPFP
Chief Financial Planner | AMFI Registered MFD
https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 11, 2025

Question by Atanu - Aug 21, 2025Hindi

Money

I am.58 years old.I will be retiring in July27.My current exp is Rs 80000/- per month.My retirement corpus will be Rs 1 crore 20 lakhs at the time of retirement.How this amt can be invested so that I can get Rs 80000 per month grom this corpus till 90 years.

Ans: It shows you are focused on securing your future.
Let me provide a detailed 360-degree plan that helps you achieve steady income.

» Current situation overview
– Age: 58 years.
– Monthly expense: Rs 80,000.
– Retirement date: July 2027.
– Corpus available at retirement: Rs 1.20 crore.
– Goal: To generate Rs 80,000 monthly till age 90.
– No other liabilities mentioned.

» Retirement income options
– Keeping the corpus fully in Fixed Deposits is safe.

But not advisable due to inflation.

Current FD rates: Around 7–8%.

Inflation will erode real value.

– Relying only on FD interest risks income shortfall.

FD interest may not grow with inflation.

– Alternative solution: Mix of Debt Mutual Funds and Fixed Deposits.

Debt funds provide better inflation-beating returns.

Offers liquidity and safety.

– Avoid Index Funds or Direct Funds.

Index funds lack active management during down markets.

Direct funds lack expert monitoring.

Regular mutual fund plans offer disciplined management.

» Suggested investment allocation
– 40% in high-quality debt mutual funds

Monthly dividend payout option provides steady cash flow.

These funds manage credit and interest rate risks well.

– 30% in Fixed Deposits with monthly interest payout

Provides predictable income and capital safety.

Helps cover short-term liquidity needs.

– 20% in Sovereign Bond Schemes or Government Savings Schemes

These are safe and offer fixed returns.

Good for preserving capital and regular interest.

– 10% in Liquid Mutual Funds or Ultra Short-Term Debt Funds

Useful for emergency liquidity.

Slightly higher returns than savings accounts.

» Why actively managed debt mutual funds are better
– They adapt to market changes regularly.
– Provide higher returns than FDs in long term.
– Offer professional credit risk assessment.
– Monthly dividend option helps in regular cash flow.
– Tax efficiency is better than frequent FD interest withdrawals.

» Inflation impact and corpus sustainability
– Inflation averages 6–7% per year in India.
– Your Rs 80,000 monthly expense will increase over time.
– To maintain purchasing power, invest in inflation-beating options.
– Sole dependence on fixed returns is risky.
– Actively managed funds adjust portfolio to manage inflation risks.

» Tax planning aspect
– Equity mutual funds are not advised at this stage due to risk.
– Debt mutual funds are taxed as per income slab.
– Prefer monthly dividend payout to maintain stability.
– Capital gains tax applies if units are redeemed.
– Fixed Deposit interest is fully taxable.
– Sovereign bonds and government schemes offer tax benefits in some cases.

» Emergency fund maintenance
– Keep at least Rs 15–20 lakh in liquid funds or bank FD.
– Helps to cover unexpected health or family needs.
– Do not disturb long-term corpus.

» Healthcare and term insurance
– Ensure health insurance covers your age properly.

Prefer Rs 50 lakh family floater policy.
– Consider term life insurance if not already taken.

Provides extra safety to dependents.

» Cash flow plan after retirement
– Monthly expenses: Rs 80,000 (will increase with inflation).
– FD interest + Mutual Fund monthly dividends + Sovereign Bonds interest + Liquid Funds interest will form income.
– Monitor payouts regularly.
– Review yearly to rebalance allocation.

» Monitoring and rebalancing
– Review investment portfolio every 6 months.

Ensure debt mutual funds remain strong.

Rebalance as per market and inflation changes.

– Avoid fixed long-term lock-ins only.

Keep flexibility to adjust as needed.

» Avoiding risky options
– Do not invest in ULIPs or LIC policies for retirement.

High cost, low returns.
– Index Funds and ETFs lack active management.

They do not protect against market corrections well.

Poor choice for this stage.

» Plan to grow corpus if possible
– Continue saving a small amount from current income even post-retirement.
– Helps in coping with inflation and unexpected expenses.
– Can be invested in safe debt funds or government bonds.

» Psychological preparedness
– Mental discipline is key in retirement.
– Avoid early large withdrawals.
– Stick to systematic withdrawals as planned.
– Avoid sudden big spending.

» Estate planning
– Create a simple will.

Ensures your assets pass to your dependents smoothly.
– Keep your account nominee updated.
– List all your assets and liabilities.

» Finally
– Your plan is good but needs adjustments.
– A mix of FDs, sovereign bonds, debt mutual funds is ideal.
– Avoid risky equity exposure now.
– Build a safety cushion for emergencies.
– Rebalance your portfolio regularly.
– Get term insurance and increase health cover.
– Keep monitoring inflation impact yearly.
– Professional help can guide regular review.
– Continue small investments from existing income if possible.

This strategy will provide a safer, predictable, and inflation-adjusted income.
It also ensures peace of mind in your retirement years.
Your efforts so far are strong.
Small changes today will give you a secure future.

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

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

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 08, 2025

Asked by Anonymous - Sep 05, 2025Hindi

Money

Good evening Reetika.I am 59 years old working in a private limited company.I will be retiring in July27.My retirement corpus will be 1 crore 20 lakhs at that time.My monthly exp Rs 80000 .How Rs 1.20 crores can be invested so that Rs 80000 can be generated monthly.

Ans: You are 59 now and will retire in July 2027. Having a retirement corpus of Rs 1.20 crores is a good base. You have also been clear about your expected monthly expense of Rs 80,000. That clarity itself is a strong step. But there are challenges here. Let me explain in detail.

» Current Expense and Corpus Balance
– Your corpus target is Rs 1.20 crores at retirement.
– Monthly expense is Rs 80,000, which is Rs 9.6 lakhs yearly.
– This is around 8% withdrawal rate from your corpus.
– Sustainable withdrawal rate in India is normally 4–5%.
– At 8%, corpus may not last till life expectancy.
– You must therefore design the corpus to grow even during retirement.

» Why Simple Fixed Income Will Not Work
– If you invest the whole amount in fixed deposits, yield may be 6–7%.
– This generates about Rs 7–8 lakhs yearly only.
– That falls short of your Rs 9.6 lakhs need.
– Also, FD interest is fully taxable as per slab.
– Inflation will further reduce real value of income.
– Relying only on FD or savings instruments will create risk of depletion.

» Role of Equity in Retirement
– Many feel equity is risky in retirement.
– But without equity, corpus fails to beat inflation.
– A part of your corpus must be in equity funds.
– Equity growth supports long-term sustainability.
– Active mutual funds can adapt and deliver better than index funds.
– Index funds simply follow the market and cannot adjust to risks.
– For retirement, active equity is a must for controlled growth.

» Debt Allocation and Stability
– Debt funds, hybrid funds, and short-term funds are useful for stability.
– These give regular income and low volatility.
– A balanced allocation between equity and debt protects both needs.
– Debt portion can cover 4–5 years of expenses in advance.
– This prevents panic selling in market corrections.
– Debt instruments are also more tax efficient than FDs if planned well.

» Cash Flow Structuring
– Create a Systematic Withdrawal Plan (SWP) from mutual funds.
– SWP allows fixed monthly withdrawal to meet your Rs 80,000 need.
– Withdrawals are partly capital, partly gains.
– This reduces tax impact compared to FD interest.
– Withdrawals also keep the rest of corpus invested and growing.
– This way, inflation impact is managed for long years.

» Taxation Considerations
– Equity mutual fund LTCG above Rs 1.25 lakh taxed at 12.5%.
– STCG on equity taxed at 20%.
– Debt mutual funds gains taxed as per slab.
– But through SWP, only small units are redeemed each month.
– This makes tax more efficient than FD interest.
– Certified Financial Planner can structure withdrawals for maximum tax efficiency.

» Insurance and Risk Protection
– Retirement is not only about income.
– Adequate health insurance is critical at this age.
– Without health cover, medical bills can eat into corpus.
– Term insurance may not be as relevant now.
– But medical cover and emergency buffer are essential.
– At least Rs 10–15 lakhs must be kept liquid for emergency.

» Inflation Impact Over Time
– Rs 80,000 today will not remain same value in future.
– In 10 years, at 6% inflation, need may rise to Rs 1.40 lakhs.
– In 20 years, need may touch Rs 2.5 lakhs.
– Hence, your Rs 1.20 crore corpus must continue to grow.
– Without equity growth, this inflation will break the plan.
– Careful asset mix is the only way to keep pace.

» LIC, ULIPs or Insurance-Cum-Investment Products
– If you hold any LIC or ULIP, they usually give low returns.
– Surrendering them and shifting to proper funds is better.
– Such products mix protection and investment poorly.
– Retirement corpus should not be trapped in these policies.

» Realistic Assessment
– With Rs 1.20 crores, generating Rs 80,000 per month is tight.
– It is possible only with balanced allocation and SWP discipline.
– But risk of shortfall exists if spending rises too fast.
– Lifestyle control is also a part of retirement planning.
– Corpus must be reviewed every year and adjusted if needed.

» Practical Roadmap for You
– Allocate corpus into three parts: equity funds, debt funds, liquid funds.
– Keep 3–4 years’ expense in debt and liquid funds.
– Keep rest in equity for long-term growth.
– Start SWP for Rs 80,000 per month.
– Review yearly with Certified Financial Planner for rebalancing.
– Keep medical insurance and emergency buffer separate.
– Avoid locking full corpus into fixed or annuity plans.
– Keep flexibility to adapt as expenses and inflation change.

» Finally
Your retirement plan is possible but needs very careful structuring. Rs 1.20 crores must be invested in a way that gives both income and growth. Pure fixed income is not enough. Equity exposure and SWP discipline are the key to sustaining income till age 85 and beyond. With balance and review, you can enjoy financial security in retirement without worrying about running out of money.

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

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

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Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Sreelekshmi - Dec 06, 2025Hindi

Career

Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?

Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
Government Sector Opportunities: UPSC, BARC, DRDO, and ISRO: Your M.Sc Physics degree opens multiple avenues for prestigious government employment. UPSC Geophysicist examinations explicitly list M.Sc Physics or Applied Physics as qualifying degrees, enabling you to compete for Group A positions in the Geological Survey of India and Central Ground Water Board. The age limit for geophysicist positions is 32 years (with relaxation for reserved categories), and the exam comprises preliminary, main, and interview stages.
BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
Alternate Career Pathways: UPSC, CDS, and AFCAT: UPSC Civil Services (IFS - Indian Forest Service): M.Sc Physics graduates qualify for UPSC Civil Services examinations, with the forest service offering opportunities for science-based administrative roles with potential to reach senior government positions.
CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
UGC-NET Examination: This pathway leads to Assistant Professor positions in central universities and colleges across India. NET-qualified candidates receive scholarships of ?31,000/month for 2-year JRF positions with PhD pursuit, transitioning to Assistant Professor salaries of ?41,000/month in government institutions. This route provides long-term academic career security with research opportunities.
Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025

Ans: Welcome Sree.

Nayagam P P |10852 Answers |Ask -Follow

Career Counsellor - Answered on Dec 07, 2025

Question by Krishu - Dec 05, 2025Hindi

Career

Maine jee mains session ka form ews apply wale se bhara tha lekin ews nh ban paya aur ab form date bhi khatam ho chuka h aur correction window band ho gya h to kya maine ji form pehle ews wala bhara tha wo form rahega ya rad ho jayega

Ans: Krishu, Your form remains valid for exam participation. NTA doesn't reject forms during registration without certificates. However, during counseling document verification, a missing EWS certificate will automatically shift you to the General category. You cannot change your category now since the correction window closed. Contact NTA immediately for guidance on possible relief measures by mail or by contacting them over phone. All the BEST for a Prosperous Future!

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Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by ANSHU - Dec 06, 2025Hindi

Career

I am a neet aspirant Sir meri class 12 m physics m repeat thi aur chemistry bio aur English m pass hu toh mene nios k through physics k exam dia m usmin pass hu toh mere pass 2 marksheet hogyin h toh sir neet counselling m koi problem toh nhi aaegi

Ans: As per my knowledge, you will not face any problem in NEET counselling. Passing Physics through NIOS is valid. Just carry both mark sheets for verification. Yet, it is highly recommended to have a single marksheet for PCB to avoid any complications. You did not anything about when you cleared the 12th grade and NIOS examination. It is also not clear that when you are appearing to NEET. Whether you are are fresher or repeater is also not clear. Recommending asking the question in English with clarity to answer it correctly.

Good luck.
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Radheshyam

Asked on - Dec 06, 2025 | Answered on Dec 07, 2025

Sir I completed my 12 in 2024 and I gave my nios exam in oct 2024 in nios marksheet I am passed in physics and sir I am a droper student

Ans: OK. Appear for NEET 2026 and aim to score higher first, and forget what has happened in the past. Think about the verification process after the examination is over; until then, remain cool, calm, and quiet, and focus only on NEET. Best of luck for your bright future ahead.

Dr Nagarajan J S K |2576 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 06, 2025

Question by swarnesh - Dec 04, 2025Hindi

Career

hi sir, wish to know the careeer option for my daughter after 12th PCB, apart from NEET what are the other ExamsPCB stream , she can appear. please guide .

Ans: Hi Swamesh,
Please wait a few more days; changes have occurred in the education sector, particularly regarding NEET. Several courses have been added, and you need to obtain eligibility through NEET to pursue them. I will share the details within a few days.
BEST REGARDS

Mihir Tanna |1090 Answers |Ask -Follow

Tax Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Money

Tax returns ka confirmation nahi aya it department se

Ans: It may be under review. Many returns are still under process.

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi

Money

Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000

Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 04, 2025Hindi

Career

Hello sir, i am a NEET aspirant and in 11th........but these past months i have left one coaching to join other but have not been able to accomodate so now i will be starting fresh and doing self study.....i want to go to afmc....pls guide me regarding everything....pls pls really urgent, would appreciate it.

Ans: Starting afresh in 11th class is completely fine, but initially focus on strong NCERT fundamentals for Physics, Chemistry, and Biology through daily self-study, consistent revision, and weekly mock tests. Aim for the NEET cutoff plus medical fitness standards for AFMC, build physical fitness alongside academics, and maintain discipline with a clear daily routine to stay on track. Usually, switching between coaching institutes is not recommended, but if there are serious issues with teachers, it's understandable to make a change. However, success does not solely depend on the coaching institute; dedicated studying is essential. Self-study with passion, consistency, completing the syllabus on time, extensive revision, and practising past papers are crucial for cracking the exam. If you have that strong desire, you can attempt NEET; otherwise, choose your path without hesitation. NEET is not the ultimate measure of success in life.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Shriyansh - Dec 04, 2025Hindi

Career

I am aiming pec chd cse data science which on josaa shows to open at 16000 and closed at 19000 ews rank. How hard is to achieve this rank. Is it possible with boards prep? Do consider these are ews category ranks not crl rank , so any guess about crl and overall percentile?

Ans: Getting an EWS rank of 16k–19k is moderately tough and usually needs 90–93 percentile (90k–110k CRL), which is very difficult with only boards preparation and typically requires focused JEE-level practice. One should have a burning desire, dedicated motivation, and a target to achieve the goal. Without these parameters, not possible to achieve success in JEE. Hence, around 95% studentsare are unable to achieve the target of cracking the examination. From your question, it is not clear that where you are aiming for 2026 or 2027 examination.

Good luck.
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Radheshyam

Radheshyam Zanwar |6736 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 06, 2025

Question by Amit - Dec 05, 2025Hindi

Career

My son while filling the application form for JEE Mains2026 , has inadvertently added the prefixes Mr. and Mrs. before his parents’ names. However, in both the Aadhaar card and the Matriculation certificate, the names of his parents appear without any prefixes. He missed to do the correction in the correction window timeline. Will he be allowed to sit in the exam and any challenge during JOSSA counselling, if yes, what is remedial action for this.?

Ans: Please do not worry. He will be allowed to appear for JEE Mains and will be allowed to participate in JoSAA counselling. Just submit an affidavit/self-declaration with Aadhaar and matric certificates during document verification to clarify the prefix discrepancy. Yet, recommended to fill the application form very carefully by taking the help of an expert. If NTA opens the correction windows once again, then try for the same. Keep a close eye on the NTA JEE site.

Good luck.
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Radheshyam

Dr Dipankar Dutta |1837 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Question by Murari - Dec 05, 2025Hindi

Career

Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.

Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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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