Sir, I am a Senior citizen and hold a lot of shares. I need to sell all of them. Can you let me know which ones i should hold. AART1 DRUGS qty 53 @ Rs. 376 ADANI POWER LTD 269 291 ASTRA MICROWAVE LTD 144 372 BF UTILITIES LIMITED 144 462 CAPLIN POINT LAB LTD. 49 655 CARYSL 50 550 CHENNAI PETROLEUM CORP LT 207 339 COLGATE PALMOLIVE LTD. 21 1,707 DELPHI WORLD MONEY LTD 116 732 DHAMPUR SUGAR MILLS LTD. 72 250 ELGI EQUIPMENTS LTD 93 451 EVEREST INDUSTRIES LTD 48 900 FIVE-STAR BUS FIN LTD 113 620 GARDEN REACH SHIP&ENG LTD 106 440 GOA CARBON 42 515 GRANULES INDIA LIMITED 289 357 HINDUSTAN ZINC LIMITED 416 325 HLE GLASCOAT LIMITED 233 531 I G PETROCHEMICALS LTD 78 760 IFB AGRO INDUSTRIES LTD 99 701 ITDC 200 407 INDIAN OIL CORP LTD 301 74 INDIAN RAIL TOUR CORP LTD 72 894

Ans: Hello;

Your monthly sip value adds upto 1.3 L however you have claimed it to be 1.18 L. (Maybe a typo).

Existing corpus(19.35 L) and monthly sip (1.3 L) won't reach 5 Cr in 10 years.

You have two options to make it happen:

1. Increase monthly sip amount to 1.9 L.

2. Top-up current monthly SIP of 1.3 L by minimum 10% each year for 10 years.

Both ways will lead you to a corpus of 5 Cr over 10 years.

You may consider money market mutual funds for parking your funds for a 1 year horizon. Returns may be comparable to FD returns but with flexibility to withdraw anytime. They typically have low to moderate risk.

Happy Investing;
X: @mars_invest

Ans: First learn from YOU TUBE videos how to appear for interviews. Secondly know the knowledge of few of your favourite subjects in depth. Next CSE is an ever changing stream. So you must have up to date knowledge. Have some basis idea about AI and ML. These are the need of the present day. Be in touch with me. I am always there for you. Just follow me. Best of luck. MAY GOD BLESS YOU. Professor.........................:)

Ans: I think you want to mean Pharma d for diploma in pharmacy. Obviously B. Pharma is much better, because it's a full fledged degree course. Best of luck. Just follow me. May God Bless You. Professor................................................:)

Ans: Hello;

You may withdraw your EPF corpus claiming two consecutive months of unemployment after quitting the previous job(Aug-24).

Further if you have had 5 years, or more, of continuous service, across employer's but without any break, then your withdrawal will be tax free.

Else you may have a 10% TDS on withdrawal plus interest on contributions is also taxable as per slab rate.

Best wishes;

Ans: Yes, There are treatments to decrease the acne marks. They may not completely go, but they can be made much less visible.
Depending on the depth of the acne scars non surgical treatments like dermabrasion, lasers, PRP, Fillers etc may help. In severe cases, surgery may be helpful.

Ans: Hello;

Surely you can do it.

Best wishes;

Ans: Hello;

You may invest in any of the top flexicap funds for long term;

1. JM flexi cap fund
2. PPFAS flexicap fund
3. HDFC flexicap fund

Not recommending Quant flexicap fund as of now, also in top quartile, since there is an ongoing sebi probe into alleged front running case.

These are top quartile flexicap funds on 10 yr return basis.

Happy Investing;
X: @mars_invest

Ans: In which discipline? Please clarify. Mention your background also. Your question is incomplete.

Ans: Anju, prior to addressing the question, I would like to draw your attention to a recent article in 'The Times of India' which indicates that a majority of law graduates tend to favor employment in corporate settings over practicing in courts. Now, coming to your question, please note, BITS Law School's BBA + LLB (Hons) program is a 5-year program that combines business administration with legal studies. The program focuses on areas such as corporate law, intellectual property, business laws, and dispute resolution. The program offers a strong multidisciplinary approach, preparing students for careers in corporate law, legal consultancy, and management. Its strengths include a business + legal acumen curriculum, industry-driven curriculum, and a reputation for excellence in education and placement opportunities. However, it lacks the legacy and alumni network of top-tier law schools and can be expensive. Career opportunities include corporate and business law, management roles, consulting, entrepreneurship, academia/research, international arbitration, cyber and technology law, corporate governance, and intellectual property rights. The program is worth considering if you aim for a corporate or business law career, are comfortable with the cost and value of the BITS brand, and have excellent industry connections and internships. Build your profile well by the time you complete your BBA+LLB & improve your all other skills required. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.