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I'm struggling to plan my future - what career path should I take?

Ramalingam Kalirajan |9778 Answers |Ask -Follow

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

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

Question by Shantanu on Jan 05, 2025Hindi

Money

Thank you Ramalingam sir. Your response is very helpful for me to plan. I really appreciate your help. Regards.

Ans: You’re most welcome! I’m glad the guidance was helpful to you. Stay focused on your financial goals and take one step at a time to rebuild your financial health. Remember, disciplined actions and smart planning can lead to great results. Wishing you success and a secure financial future!

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner,

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

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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Hi Sir, Thanks for the Advice.I am grateful for your valuable suggestions. Rajshekar.

Ans: You're most welcome, Rajshekar! I'm glad the suggestions were helpful to you. Your commitment to long-term wealth creation is commendable. If you need further guidance or portfolio reviews, feel free to reach out anytime.

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Question by Ramesh - Dec 21, 2024Hindi

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Thank you for the detailed information sir, is there anyway I can reach for further detailed plan

Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

Best Regards,
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Question by Ananth - Jan 10, 2025Hindi

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Thanks Mr Ramalingam for your valuable advice. Sincerely appreciate your efforts in taking time to reply my query genuinely.

Ans: You're welcome! If you have any more questions or need further assistance, feel free to ask. Best wishes on your financial journey!

Best Regards,

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www.holisticinvestment.in
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Asked by Anonymous - Jul 18, 2025Hindi

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I got AI at mits gwalior the admission process is done should have I taken for and safety or have i made the right choice

Ans: Hello dear.
You took the right decision and choice. Be relaxed and focus on the curriculum.

Good luck.
Follow me if you receive this reply.
Radheshyam

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Hi Sir, My son has got KJ Somaiya college of engineering.. AI and DS. He also is hopeful of getting into Thadomal CS. Pls advice which option to choose.

Ans: Hello Taranjeet
Prefer AI + DS @ KJ Somaiya if possible. The final decision will be yours.

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I scored a rank of 12708 in neet , please suggest best clgs at my rank via AIQ , i am general from bihar.

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My comedk rank is 18788, with this rank will i get IEM in RVCE or MSRIT in any of the rounds. What are the other good options i have, im interested in IEM and CS branches. How should my priority order for choice filling be like?

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I have 135000 income, Out of which 55k goes to Home loan (23 years pending), 22k goes to personal loan emi, 3000 mf, 8000 in lic(5 years), 4000 in Debt fund (12 years from now) PPF yearly 1 lac, 10 lac worth Health insurance for family with 14000 per annum ( increase 5% per annum) I already have 1cr Term insurance for which I paid 75000 per annum in last 5 years and Since August no payment to be done. I am a sole earner of Family of 5 members. Kindly guide me if there are any changes to be done in my financial planning considering 10 years horizon If I want to close my Home loan as quickly as possible.

Ans: Hey Pankaj, please revisit your decisions for LIC policy, debt fund, PPF investments since these are not investments that you do to create wealth, they will not give you apt returns to beat inflation. Please close your personal loan as soon as possible since that must be on at a very high interest rate. As far as investments are concerned, there is not enough details here for me to give apt advice to you about your situation, please visit www.slwealthsolutions.com if you are interested to have a detailed conversation.

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Hi sir I got rank of 80,000 in jee main 2025 My ews rank is 11300.I am a girl. I havent got any allotment in all 6 rounds of josaa Will u suggest me to depend on csab to get really good branch and college in it

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You have a chance in CSAB for branches like IT, ECE, or even lower CSE in newer NITs or IIITs, so it's worth participating in CSAB.

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Hi sir I got 52k rank in comedk, which are the best colleges I can get for CS(cyber security, data science, AI)

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What are the option for good private college for B.tech + MBA integrated programme with good placement record?

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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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