Confused About Dividend Taxes? You're Not Alone!

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

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Ans: First be familiar with the changes which crept into the IT industry during the time of your gap, otherwise you will not be able to maintain the present pace. Secondly stop searching for govt. jobs. IT future lies in private only. One very good suggestion is there. Pursue 2 years online MBA in IT. It will cover many things which are presently in the market. Have 1/2 certificate course of AI & Machine Learning immediately and start applying for new jobs. I guarantee you will get good placement. I am always there for you. Just be in touch with me. Join me in LINKEDIN for permanent connectivity and counselling. Best of Luck. GOD BLESS YOU. Professor...................:)

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Ans: Unless you go for BE (Civil) and M.Tech Structures you can't be an officially recognized Structural Engineer. But the present condition won't allow you to do BE (Civil) and M.Tech (Structures) by leaving you job and you are married too. So I would suggest you to appear for the AMIE exam. It is hard, but at least the scope is there. After completing AMIE you will be equivalent to BE ( Civil). After that even if you don't go for M.Tech it will not create any problem. Because AMIE with such a big experience will help you to stand as a sound structural engineer in the market. Join me in LINKEDIN for permanent connectivity and counselling. GOD BLESS YOU. Professor...................:)