My boyfriend loves me but he is married and not intersted in in his marriage life. He is very much love on me and me. What to.do?

Ans: Hi.
There is no difference in the syllabus. Only place changes.
The offer is neither good nor bad. (There are many reasons for offering the seat at abroad by an institute)
Please compare the expenses for IIT Delhi and IIT Abudhabi with scholarships,
Also, add to and fro expenses from Abudhabi to Delhi. (Your won has to stay there for 4 years)

Depending on the financial calculations, you choose the option which suits to you.

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Ans: Hi.
Congratulations on getting admission to JEC College for Electronics.
Check whether the college offers the option to change branches after the first year based on academic performance.

Explore Lateral Entry or Internal Branch Change Options:- Some universities may allow lateral entry into Aerospace Engineering in the second year if she excels in her current course.
Or apply to other entrance exams or counseling rounds like COMEDK, BITSAT, VITEEE, SRMJEEE

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Ans: Hi Subodh

If you would have thought to go with MHT-CET, then why you have taken admission to BIT Mesra, is not clear.
From your query, you might be thinking about the distance from your home town (you did not mention it here).
You did not mention his interest also.
With the rank of 1946, he will any one of the colleges you mentioned.
If you prefer to go with MHT-CET, then prefer CSE/ECE in PICT.
Considering the brand name, BIT is superior to all the options you put here.
Our Advice: Go with BIT Mesra | Choice is yours.

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Ans: Hi Gaganya.
Based on her NEET rank in the PWD category, top colleges like Osmania Medical College, Gandhi Medical College, Andhra Medical College, and Sri Venkateswara Medical College are excellent choices in Telangana and Andhra Pradesh. Encourage her to explore these options during the counseling process and choose a college that aligns best with her career goals and preferences.

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Ans: To achieve a monthly withdrawal of Rs 25,000 with a lump sum of Rs 10-12 lakh, the investment would need to generate a return of around 25-30 per cent annually, which is unrealistic for a sustainable and low-risk plan, especially for a retiree. A more reasonable withdrawal rate is around 6-8 per cent annually, which would give you Rs 10,000 to Rs 12,000 per month from that investment.

Suitable Mutual Funds for SWP:

• Hybrid Funds (Balanced Funds): These funds invest in both equities and debt, balancing growth potential with lower volatility. They are suitable for moderate risk and could provide a steady income.
• Debt Funds: These funds are less volatile and offer more predictable returns, making them good for stable withdrawals, though the growth potential is lower compared to equities.
• Conservative Hybrid Funds: These funds have a higher allocation to debt and a smaller portion in equity, making them more conservative but still offering some growth.

SWP in Equity-Oriented Funds:

Equity funds can offer higher returns over the long term, but they are volatile. SWP from equity-oriented funds could result in selling units at a loss during market downturns, which may not be ideal for generating steady income. For your mother, who is 60, a balance between equity and debt could be more suitable to manage risk.

Splitting the Investment:

Investing in two different funds for SWP is a good strategy for diversification. You could allocate one part to a hybrid or balanced fund for moderate growth and another to a debt fund for stability.

Recommendation:

Consider starting the SWP from a hybrid or balanced fund for moderate risk and some exposure to growth. Add a conservative debt fund for stability.

If you’re targeting Rs 10,000 per month, an investment of Rs 10-12 lakh should work well with lower withdrawal rates of around 6-8 per cent. For Rs 25,000 per month, you may need a higher investment or explore other income-generating assets alongside SWP.

Here are some specific mutual fund categories and examples that could suit your SWP strategy, considering your goal of stable withdrawals for your mother:

1. Hybrid Funds (Balanced Advantage Funds):

These funds automatically adjust their equity and debt exposure based on market conditions, providing a mix of growth and stability.

Examples:

• ICICI Prudential Balanced Advantage Fund
• HDFC Balanced Advantage Fund

These funds are suitable for moderate risk, with potential for long-term growth while providing a stable income.

2. Conservative Hybrid Funds:

These funds have a higher allocation to debt and a smaller portion in equity, making them more conservative. They offer lower volatility and steady income.

Examples:

• ICICI Prudential Equity & Debt Fund
• HDFC Hybrid Debt Fund

These funds are suitable for low-risk investors who still want some equity exposure for growth potential.

3. Debt Funds (Short-Term or Corporate Bond Funds):

Debt funds provide stable returns with low risk, which is ideal for conservative investors. They are more predictable but offer lower returns compared to equity.

Examples:

• SBI Magnum Medium Duration Fund
• HDFC Corporate Bond Fund

These funds are good for regular income generation while maintaining capital preservation.

Suggested Allocation:

• 50 per cent in a Balanced/Hybrid Fund: This will provide moderate growth with some equity exposure.
• 50 per cent in a Debt Fund: This will stabilise the income and protect against market volatility.

By splitting the Rs 10-12 lakh investment between these two types of funds, you could balance risk and growth potential while generating a steady income through SWP.

Ans: Hi
With a score of 598 + Rank 79 K, there are fewer chances of getting a seat in Govt College.
You did not mention your category.
Keep a close eye on the counseling process, till the counseling process end. Chances may be in the last round only.
If you can afford it, keep the option open for a good private medical college.

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Ans: Hi Jayshree
RV @ AI is a better option

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Ans: HI Pavani
Congratulations to you and your daughter.
Yes, it is a good college and branch.
Best of luck to your daughter for a bright future.

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Ans: Hi
There is no connection between the 10th subject and the NEET examination.
NEET is based on PHYSICS + CHEMISTRY + BIOLOGY subjects.
You can appear in NEET by opting for these subjects in class 12th.


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