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Retired With 20 Lakhs In Mutual Funds: Switch to Dividend Option for Extra Income?

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 23, 2024

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

Asked by Anonymous - Jun 12, 2024Hindi

Money

i have retired from my business. i am holding 20 lakhs in mutual fund growth option. should i convert it into dividend option for extra income

Ans: Assessing Your Current Situation
You have retired from your business.

You hold Rs 20 lakhs in mutual funds in the growth option.

You are considering converting to the dividend option for extra income.

Understanding Growth vs. Dividend Options
Growth Option:

In the growth option, your investments grow over time.

Returns are reinvested, leading to potential capital appreciation.

Dividend Option:

The dividend option provides regular income through dividends.

Dividends are paid from the profits of the mutual fund.

Evaluating the Dividend Option
Regular Income:

The dividend option provides periodic income, which can be useful.

This income can supplement your retirement funds.

Tax Implications:

Dividends are taxed in the hands of the investor.

This can reduce the overall returns compared to the growth option.

Market Dependency:

Dividends are not guaranteed and depend on the fund's performance.

In a downturn, dividends may be lower or not paid at all.

Alternative Strategies for Income
Systematic Withdrawal Plan (SWP):

An SWP allows you to withdraw a fixed amount regularly.

You can choose the amount and frequency of withdrawals.

This provides a predictable income stream without changing the investment option.

Balanced Funds:

Consider investing in balanced funds, which provide both growth and income.

These funds invest in a mix of equity and debt instruments.

Debt Funds:

Debt funds offer lower risk and regular income.

They are suitable for conservative investors seeking steady returns.

Benefits of Regular Funds Through a Certified Financial Planner
Professional Guidance:

A CFP can help tailor your investment strategy to your retirement needs.

They can provide advice on the best funds for your risk profile and income needs.

Periodic Reviews:

Regular reviews ensure your investments remain aligned with your goals.

Adjustments can be made based on changes in the market or your personal situation.

Disadvantages of Direct Funds
Lack of Professional Advice:

Direct funds do not come with professional guidance.

This can be a drawback if you are not well-versed in investment strategies.

Higher Risk of Mismanagement:

Without expert advice, there is a higher risk of making poor investment choices.
Time-Consuming:

Managing direct funds requires more time and effort.

This can be challenging, especially in retirement.

Final Insights
Consider your need for regular income carefully.

Evaluate the benefits and drawbacks of the dividend option.

Explore alternative strategies like SWP or balanced funds.

Consult with a Certified Financial Planner for personalized advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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 May 29, 2024

Question by PRAVIN - Nov 23, 2023Hindi

Money

Dear sir I have invested many mutual funds in equity oriented in begining period. I have not consantration on which in growth option and which is dividend payout or reinvest option. So many mutual fund schemes is dividend reinvestment option and now last three years dividend income is taxable in the hand of me which is taxable income @ 30% and education cess% on tax amount . Now Please guide to me can I have change the dividend reinvested plans to growth option for the taxation purpose . Thanks & regards Pravin B Khatavkar

Ans: Dear Pravin B Khatavkar,

It's commendable that you've taken the initiative to reevaluate your mutual fund investments, especially concerning their taxation implications. Let's delve into your situation and explore the best course of action.

Assessing Your Current Scenario

Your decision to invest in equity-oriented mutual funds reflects a sound long-term investment strategy. However, the choice between growth and dividend reinvestment options holds significant implications, particularly in terms of taxation. Dividend reinvestment may seem convenient, but it can inadvertently increase your tax burden, as you've experienced.

Understanding Tax Implications

The dividends reinvested are considered as income and taxed accordingly, which can be a burden, especially if you're in the higher tax bracket. At 30% tax plus cess, the tax liability can significantly impact your overall returns. This scenario underscores the importance of revisiting your investment choices to optimize tax efficiency.

Exploring the Transition to Growth Option

Transitioning from dividend reinvestment to the growth option can be a prudent move from a taxation perspective. In the growth option, dividends are not distributed but instead reinvested in the fund, leading to capital appreciation. This approach can potentially reduce your tax liability, as you're not immediately taxed on the reinvested dividends.

Considering the Long-Term Benefits

Switching to the growth option aligns with your long-term investment objectives by optimizing tax efficiency and enhancing overall returns. By allowing your investments to grow without the immediate tax implications of dividends, you can potentially compound your wealth more effectively over time.

Navigating the Transition Process

Transitioning from dividend reinvestment to the growth option is relatively straightforward. You can typically request this change directly through your mutual fund distributor or online portal. However, it's essential to consider any exit loads or tax implications associated with the switch, ensuring that the transition is cost-effective.

Seeking Professional Guidance

While the decision to transition to the growth option appears beneficial, it's crucial to consult with a Certified Financial Planner (CFP) to assess your specific circumstances comprehensively. A CFP can provide personalized guidance tailored to your financial goals, risk tolerance, and tax situation, ensuring that your investment strategy remains aligned with your objectives.

Conclusion

In conclusion, transitioning from dividend reinvestment to the growth option can potentially optimize tax efficiency and enhance long-term returns. However, it's essential to seek professional guidance from a Certified Financial Planner to navigate this transition effectively. By aligning your investment strategy with your financial goals, you can strive for greater financial security and peace of mind.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Question by Satyanarayan - Apr 12, 2024Hindi

Money

Hi please advise me I start the sip 8k in ICICI prudential dividend growth fund , I want is the mutual fund gives dividend or not should I continue in it or not

Ans: Thank you for reaching out with your query about your investment in ICICI Prudential Dividend Growth Fund. It's great that you are actively managing your finances and seeking advice for a better financial future.

Let's delve into your question regarding dividends and whether you should continue with this mutual fund.

Understanding Mutual Fund Dividends
Mutual funds have two types of plans: growth and dividend. Since you are invested in a dividend plan, it's important to understand how dividends work.

1. Nature of Dividends in Mutual Funds
Mutual fund dividends are payouts from the profits earned by the fund. These are distributed periodically, based on the fund's performance.

2. Regularity and Amount of Dividends
The frequency and amount of dividends are not guaranteed. They depend on the surplus generated by the fund. Therefore, the dividends can vary and are not assured.

Evaluating Your Current Investment
You are investing Rs. 8,000 per month through a Systematic Investment Plan (SIP) in ICICI Prudential Dividend Growth Fund. Let's assess whether this is suitable for you.

1. Growth Potential
Dividend funds pay out earnings, which can limit the amount reinvested in the fund. This might slow the growth of your investment compared to growth plans, where profits are reinvested to buy more units.

2. Tax Implications
Dividends are subject to Dividend Distribution Tax (DDT). This tax reduces the overall return you receive from dividends, making growth plans potentially more tax-efficient.

Should You Continue in This Fund?
Now, let's discuss whether continuing with this fund is beneficial for you.

1. Your Financial Goals
If you require regular income, a dividend fund might suit your needs. However, for long-term growth, a growth fund could be more beneficial as it reinvests earnings.

2. Performance of the Fund
Review the historical performance of ICICI Prudential Dividend Growth Fund. Consistent returns over the years can indicate a reliable investment, but compare it with other funds in the same category.

3. Risk Tolerance
Assess your risk tolerance. Dividend funds are often less volatile than growth funds, which can be beneficial if you prefer stability over higher returns.

Recommendations for Optimal Investment Strategy
1. Consider Switching to a Growth Plan
For better long-term growth, consider switching to a growth plan. Reinvesting earnings can potentially enhance your overall returns.

2. Seek Professional Guidance
Consult a Certified Financial Planner (CFP). They can provide personalized advice based on your financial goals, risk tolerance, and investment horizon.

3. Evaluate Actively Managed Funds
Actively managed funds have professional managers who strive to outperform the market. They can adapt to market changes, potentially offering better returns than passive funds.

Final Thoughts
Investing in mutual funds requires understanding your financial goals and the nature of the funds. While dividend funds provide regular income, growth funds might be better for long-term wealth creation.

Consider switching to a growth plan if long-term growth is your objective. Professional guidance from a CFP can help you make informed decisions.

Your proactive approach to managing your investments is commendable. Keep assessing and aligning your investments with your financial goals for a secure future.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |10872 Answers |Ask -Follow

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

Asked by Anonymous - May 08, 2024Hindi

Money

Dear Sir,Myself and my wife investing in mutual fund for long term for about Rs 38000 pm comprise Mire asset emerging bluechip 5000;Bhandan Flexi cap 5000; BSL Tax advantage fund 5000:ICICI discovery fund 5000: Nippon India small cap 10000; Nippon India growth 80000 Everything on growth option. Pls suggest for making 2crore for another 10year

Ans: It's fantastic to see your proactive approach towards long-term wealth creation through mutual funds. Let's delve into your portfolio and devise a strategy to reach your 2 crore goal within the next decade.

Portfolio Assessment
Your diversified portfolio showcases a mix of large-cap, flexi-cap, tax-saving, and small-cap funds, reflecting a balanced approach towards wealth accumulation. Each fund serves a specific purpose, contributing to overall growth potential.

Leveraging Growth Opportunities
To attain your 2 crore target within the next 10 years, optimizing your investment strategy is crucial. Given your monthly investment of 38,000 rupees, it's essential to ensure each rupee works diligently towards your goal.

Reviewing Fund Selection
While your fund selection is commendable, consider periodic reviews to ensure alignment with market trends and performance consistency. Evaluating fund managers' track records, expense ratios, and portfolio holdings can aid in informed decision-making.

Harnessing Growth Potential
To expedite wealth accumulation, consider increasing SIP contributions gradually, leveraging the power of compounding. Additionally, explore the possibility of investing lump sums during market downturns to capitalize on discounted NAVs.

Balancing Risk and Returns
While small-cap and emerging market funds offer high growth potential, they also entail higher volatility. Ensure your portfolio is well-balanced, with a mix of growth and stability-oriented funds, mitigating risk while optimizing returns.

Setting Realistic Expectations
Achieving a 2 crore corpus in 10 years requires consistent contributions, disciplined investing, and realistic expectations. Periodic portfolio reviews and adjustments based on changing market dynamics are essential to stay on track towards your goal.

Encouragement and Advice
Your commitment to long-term wealth creation through mutual funds is commendable. With disciplined investing, strategic portfolio management, and patience, your financial goals are within reach. Remember, consistency and perseverance are key to success in investing.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on May 19, 2024

Question by Bhogu - May 15, 2024Hindi

Money

Sir- In the present days of the volatile market please let me know whether opting for growth or dividend pay is advantageous while applying for MFs.

Ans: Hello,
Never go for dividend options , if you need monthly cashflow from mutual funds then please go with the option of SWP - Systematic Withdrawal Plan under growth option as its better in terms of taxation

Ramalingam Kalirajan |10872 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 09, 2025

Question by Visu - Sep 09, 2025Hindi

Money

I have investment in mutual fund balanced fund - dividend payout option along with other investments. Now the question is about unrealised profit accumulated in the dividend option mutual fund. Can you guide me please, Should I withdraw the unrealised profit and invest in growth fund or leave it as it is and let it grow. Thank you

Ans: You have done well by investing in mutual funds. Balanced funds give both growth and stability. Choosing dividend payout option shows you wanted regular cash flow. Many investors overlook this clarity. You are thoughtful in asking about unrealised profit. This question reflects awareness and careful money management.

» Understanding unrealised profit in dividend payout option
Unrealised profit means growth not yet booked. It remains invested in the fund. In dividend payout option, profits are distributed as dividends. When payout happens, it reduces NAV. Unrealised profit in this option may not grow as strongly. This is because part of earnings gets distributed. So the wealth-building potential is limited.

» Growth fund compared to dividend payout option
Growth option retains earnings. No profit is paid out as dividend. This builds compounding effect. Over years, reinvested profit multiplies value. Dividend payout lacks this compounding. For wealth creation, growth funds are more powerful. For steady income, dividend payout seems attractive. But most investors do not need regular payout during accumulation stage.

» Impact of taxation
Dividends are taxed in your hands. They add to your income slab. This can reduce net return. Growth funds defer tax till redemption. You pay capital gains tax only when selling. Long-term capital gains up to Rs 1.25 lakh are tax free. Beyond that, taxed at 12.5%. Short-term capital gains taxed at 20%. In dividend payout, there is no such tax deferral. So growth option is tax-efficient.

» Evaluating current position
You already hold balanced fund in dividend payout option. Unrealised profit here is already within the fund value. Withdrawing only unrealised profit is not possible. You either redeem some units or leave it invested. Redeeming will reduce future compounding. Keeping in dividend payout will reduce long-term wealth. So shifting to growth option is worth assessing.

» The discipline of compounding
Compounding works only when profits stay invested. Dividend payout disturbs this flow. Growth option keeps your money compounding silently. Over 10 or 15 years, the difference is huge. Even a small annual reinvestment can create large wealth. Choosing growth option is like planting a tree and letting it grow. Dividend payout is like cutting branches early.

» Psychological comfort of dividend payout
Some investors feel happy seeing dividend credited. It creates a sense of income. But this is only part of your own money returned. It is not new income. The fund NAV reduces by dividend amount. So the psychological comfort may not help wealth creation. Growth option may feel silent but builds larger value.

» Switching possibility
Most mutual funds allow switching from dividend payout to growth. It is simple. But it will be treated as redemption and fresh investment. So taxation applies. If held for more than one year, it attracts long-term capital gains tax. Beyond Rs 1.25 lakh of annual gain, taxed at 12.5%. Before one year, short-term tax of 20% applies. Assess tax impact before switching.

» Assessing your cash flow needs
If you need regular cash flow, dividend payout may serve. But if you are in accumulation stage, growth is better. Dividend payout works for retirees who need income. But for working individuals, growth builds more wealth. Analyse your stage of life and cash needs. If you can manage without regular payout, growth is preferable.

» Balanced fund strategy
Balanced funds invest in both equity and debt. They reduce volatility compared to pure equity. Growth option in balanced funds allows smoother compounding. Dividend payout reduces wealth potential. For medium to long term investors, growth balanced fund is powerful. For those near retirement, dividend may help. But overall, growth option has greater efficiency.

» Role of financial discipline
Many investors redeem prematurely due to small doubts. Staying invested with discipline builds wealth. If you redeem unrealised profit now, you may lose long-term growth. It is better to set goals and align investments. Balanced fund in growth option aligns with future goals. Dividend payout is tactical but not strategic.

» Tax perspective in decision making
Switching involves tax today. Growth option saves tax for future years. You should weigh immediate tax outgo versus future savings. If holding period is already long, tax impact may be minimal. In that case, switching to growth is wise. If short-term, waiting till one year is smart before switching. This avoids higher tax.

» Wealth creation versus cash flow comfort
Your decision depends on priority. If wealth creation matters more, choose growth. If monthly cash flow is your focus, stay in dividend. But most people benefit from growth in the long run. Because retirement needs higher corpus. Dividend payout during accumulation reduces final wealth.

» 360-degree perspective
Think from different angles. Tax angle, compounding angle, cash flow angle, goal angle. Growth option balances all except immediate income. Dividend payout gives income but weakens compounding. Over 20 years, growth will outperform payout clearly. So switching is strategic. But timing of switch should reduce tax.

» Role of Certified Financial Planner
A Certified Financial Planner can assess your life goals. He can check current asset allocation. He can align balanced fund investment with your goals. He can plan tax-efficient switching. He can ensure you don’t miss long-term wealth for short-term comfort. This guidance gives clarity and peace of mind.

» Investment philosophy
Stay focused on goals, not temporary returns. Unrealised profit is not cash until booked. In growth fund, unrealised profit works for you silently. In dividend payout, it goes away as small payments. Always prefer building a larger corpus. Cash flow can be managed later.

» Steps you can take
– Review if you really need dividend payout.
– If not, plan to switch to growth.
– Check holding period before switch for tax reasons.
– Align balanced fund investment with long-term goals.
– Stay disciplined for 10–15 years for compounding effect.

» Finally
You have taken a thoughtful step by asking this. Balanced fund in growth option builds stronger wealth. Dividend payout gives short-term comfort but reduces long-term efficiency. Unrealised profit should stay invested for compounding. Consider tax before switching. But align decision with your long-term life goals. With patience, growth option will give better outcome.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Latest Questions

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.
Follow me if you receive this reply.
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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