Hi Sir, I have following shares holding. PL advise.

Ans: You need to check the university rules of the university which are based on Ireland. One year counselling can't be a substitute of one year experience of Graduation. The best possible way to go for two years of post graduation. Germany is the best country, because for girls the education is totally free. In Germany, education is considered "totally free" for women at the majority of public universities, meaning there are no tuition fees for undergraduate studies; however, students may still need to pay small administrative fees per semester, known as "semester contributions." In Germany, education is considered "totally free" for women pursuing an MS degree, meaning there is no tuition fee at public universities for both domestic and international students, including women, making it a very attractive option for female students seeking a Master's degree. But she must learn German Language. Except Germany I am not seeing any option. Because US is very costly, even other countries are costly. Level 4 is not important, she must find a friend who is also learning German language and regularly she should practice speaking at least for one hour. In simple language she must chat in Germany for one hour everyday for three months, then everything will be soooooo........... easy. Best of luck to your daughter. Just follow me. MAY GOD BLESS HER. Professor.................................:)

Ans: Hello Harshita
Please mention the course your daughter is studying to guide us properly.
Thanks

Ans: The Commerce with Computer group offers a wide range of courses for your son, based on his interests, strengths, and career goals. Some of the most promising options include a B.Com. in Business Analytics, which combines commerce and data analysis, and a B.Com. in Fintech, which focuses on technology-driven financial services. These courses offer career opportunities in sectors like e-commerce, IT, and financial services.

Additional certifications can enhance career prospects, such as ACCA UK certification, US CMA certification, and B.Com. in Computer Applications. These certifications will equip your Son with globally recognized accounting skills, allowing them to work in multinational corporations or abroad.

For a more tailored approach, your son can pursue certifications in accounting and finance, technology and business analytics, and management and strategy. Soft skills and global recognition can be achieved through IELTS or TOEFL courses.

To make an informed decision, you should discuss your son's interests, career goals, and job market, and focus on courses aligned with high-growth industries like analytics, fintech, or international finance.

All The BEST for Your Son's Prosperous Future.

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Ans: Madam, Teaching your daughter embroidery, tailoring, and other vocational skills can be beneficial for her. These skills encourage creativity, patience, and problem-solving, as well as practical life skills like designing clothes and home décor. They also provide relaxation and stress relief, making them a healthy alternative to screen time. If she excels, these skills could open doors to entrepreneurial opportunities in fashion or crafts. These activities often have cultural significance, allowing her to stay connected to her roots and traditions. Completing even small projects boosts self-confidence. To make it fun and relevant, let her choose modern designs or projects she feels excited about, participate in online communities, and teach her the business side of embroidery and tailoring. Balancing leisure time with other interests, academics, and rest is essential. Ultimately, if she enjoys learning these skills, it's a fantastic way to spend her leisure time. All the Best for Your Daughter's Prosperous Future.

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Ans: Dear Pralhad,
To manage your finances post-retirement and handle market volatility, allocate the ?4.5 crore from your land sale strategically. Use ?3 crore to purchase a residential property to save on capital gains tax and gift it to your daughter later. Allocate the remaining ?1.5 crore into ?50 lakh in SCSS for secure returns (~?16,000/month), ?50 lakh in RBI Floating Rate Bonds or POMIS (~?30,000/month), and ?50 lakh in balanced mutual funds for moderate growth. For your existing assets, keep ?25 lakh in SCSS and divide the ?1.5 crore mutual funds portfolio into 60% balanced advantage or hybrid funds for stability and 40% debt funds for steady income. Maintain 20-25% equity exposure (?50 lakh) in large-cap or dividend-yield funds for growth. Combined with a ?20-30 lakh emergency fund, this ensures a stable monthly income of ?1.25 lakh while safeguarding against market risks and providing for your family's future. Consult a certified financial advisor for personalized tax-efficient strategy
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Friend,
To retire in 2 years, you’ll need a corpus of approximately ?2 crore to sustain your current monthly expenses of ?60,000, adjusted for inflation and assuming 30 years of retirement. Allocate ?2.5 crore to fixed-income instruments like SCSS, RBI Bonds, or debt mutual funds to generate a stable annual income (~?10 lakh). Retain ?50 lakh in stocks and equity mutual funds for growth and ?30 lakh in balanced mutual funds for stability. Keep ?20-30 lakh in liquid funds or FDs for emergencies.

For real estate, retain your primary residence and explore rental income from other properties. Consider selling one property to reinvest in diversified assets for liquidity. Allocate ?50 lakh for your daughter’s education through a mix of PPF and equity funds. Regularly review your portfolio to account for inflation and market changes. This plan ensures a comfortable retirement and financial security for your family.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Dear Rayulu,
To create ?1 crore in 10 years with your current mutual fund SIPs of ?40,000/month, you need a consistent 12% CAGR. At this rate, your corpus will grow to approximately ?92.7 lakhs. To bridge the gap, consider increasing your SIPs by ?2,000-?3,000/month or adding a 10% annual top-up.

Your portfolio is well-diversified but leans heavily on small-cap funds (Axis, Quant, Nippon). Balance it by adding large-cap or index funds like **UTI Nifty Index** or **Mirae Asset Large Cap** for stability. Monitor your portfolio annually and reallocate if funds underperform consistently for 2-3 years. Staying disciplined, increasing SIPs periodically, and maintaining a balanced portfolio will ensure you comfortably achieve your ?1 crore goal in 10 years.
Regards, Nitin Narkhede -Founder Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

Ans: Hello;

My suggestion to you would be to surrender it as early as possible.

Even if you get your premiums back with some or nil return, it is okay.

Agent will tell you about loss because he will get impacted if you surrender the policy.

Recently IRDAI(Oct-2024)passed a diktat whereby the losses to investors surrendering their policy prematurely will be much lower then before.

Best wishes;
X: @mars_invest

Ans: Hello Yug
the process is very simple, just go to the SETU center of your home town submit your documents, they will ask the documents of your father & grandfather as well and ask them to issue Caste certificate & Validity Central Format.