Hello anu My son is 15 years old. Am unable to understand how to talk to him without him snapping back at me. I m not the usual mom, am intelligent , foreign language teacher and a great mom n am still funbling wt how to deal with a teenaged son. Pls help me out

Ans: Anagha Madam, ICT Mumbai Chemical Engineering may certainly be considered, given the institute’s excellent reputation, particularly if your son has a genuine interest in Chemical Engineering (after checking BITS Refund Policy). However, I generally recommend giving higher priority to the branch that aligns with his interests and strengths and that he would be comfortable pursuing over the next 4–5 years, rather than choosing an institution solely for its reputation. If Chemical Engineering is not his preferred area, continuing with BITS Goa – M.Sc. Mathematics would be a more suitable option. All The Best for Your Son's Prosperous Future!

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Ans: Aditya, both are good choices. However, if your goal is to pursue software/CS-oriented roles such as SDE, product engineering, data/ML, etc., BMS-CS (Business Systems) may be the more suitable choice over BMS ECE. CS (Business Systems) students can generally explore a broad range of software and technology placements and are not limited to fintech companies. Over the next four years, focus on continuously strengthening your technical and non-technical skills, building a strong project and internship profile, and developing a professional network through LinkedIn with college faculty, seniors, alumni and professionals in your areas of interest. Also, keep yourself updated with evolving industry and job-market trends so that you can plan and prepare effectively for campus placements by the time you reach your final year. All The Best for Your Prosperous Future!

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Ans: Too many queries are embedded in a single question. The sequence is unclear. Please ask no more than one or two queries in a single question so a proper reply can be provided.

Good luck.
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Radheshyam

Ans: Dear Anonymous,
I want you to understand that her rejection had nothing to do with you; you did not fall short. Look at it this way: She is already committed to someone else; she rejected you with petty reasons because it would have been unfair to drag you and keep you hooked only to marry the other guy in the end. From an outsider's POV, this saved you a bigger heart break. About feeling loss of confidence: it's understandable. But the moment you realise that it was not at all about you but her prior commitment, you will start feeling confident about yourself again. You deserve someone who will love you with their whole heart. Her rejection is not a reflection of your value.

Hope this helps

Ans: Sadanand Sir, all three are good choices with their own strengths. However, the preference order could be (1) COEP – CSE, as it is a relatively lower-risk option with a strong legacy and Rs.17.31 LPA average CTC in 2024–25; (2) IIIT Gwalior – MnC, although if your son has a strong interest in Mathematics, Computing, AI or related areas, this could even be considered as the first choice; and (3) BITS Pilani – M.Sc. Mathematics, which offers an excellent reputation and academic ecosystem, but involves some uncertainty since a preferred CSE/circuit branch is not guaranteed and depends on first-year performance, besides requiring higher fees and an additional year. All The Best for Your Son's Prosperous Future!

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Ans: If possible, prefer MnC @ IIIT Ranchi. But if you are located near Pune or in M.S., prefer CSE @ VIT Pune.

Good luck.
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Radheshyam

Ans: There is no need to shift to CBSE from Class 8. ICSE provides a strong foundation in Mathematics and Science, and your daughter can manage ICSE + NCERT + JEE foundation coaching with proper planning. However, shifting to CBSE for Classes 11–12 may be advantageous because its curriculum aligns more closely with NCERT and JEE preparation, whereas ISC is broader and more descriptive, requiring additional effort. Many serious JEE aspirants from ICSE backgrounds therefore switch boards after Class 10 to streamline preparation. Hence, ICSE till Class 10, followed by CBSE for Classes 11–12, can be a practical strategy. All The Best for Your Daughter's Prosperous Future!

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Ans: The preference order would be: (1) CSE @ COEP (2) BITS Pilani – 5-Year Dual Degree (MSc Maths + BE) (3) IIIT Gwalior – Maths & Computing. Yet many students/parents choose BITS for its brand name and strong placements. Hence, you can choose either BITs or COEP. My Suggetion: Go with BITS. The final decision will be yours.

Good luck.
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Radheshyam

Ans: – Biswajit, this is a very good goal for your four-year-old son Rajbir.

– Starting early gives you a long investment period.

– Your Rs.15,000–20,000 monthly SIP can build a strong education corpus.

– The key is consistency, not chasing the highest return.

» Suggested SIP Portfolio

For Rajbir, I would keep the portfolio mainly equity-oriented.

For a Rs.20,000 monthly SIP:

– Rs.8,000 – Flexi-cap equity fund

– Rs.6,000 – Large and mid-cap equity fund

– Rs.4,000 – Mid-cap equity fund

– Rs.2,000 – Balanced advantage fund

For a Rs.15,000 monthly SIP:

– Rs.6,000 – Flexi-cap equity fund

– Rs.4,500 – Large and mid-cap equity fund

– Rs.3,000 – Mid-cap equity fund

– Rs.1,500 – Balanced advantage fund

» Why This Combination

– Flexi-cap provides the main core of your portfolio.

– It can invest across different company sizes.

– Large and mid-cap funds provide a diversified growth approach.

– Mid-cap allocation can improve long-term growth potential.

– It can also have higher ups and downs.

– Balanced advantage gives some stability during market corrections.

– Four funds are enough for this SIP size.

– Avoid adding many funds without a clear reason.

» Investment Time Horizon

– Rajbir is currently four years old.

– His higher education may start around age 17 or 18.

– You therefore have around 13 to 14 years.

– This is a useful period for equity investments.

– Do not stop SIPs during market falls.

– Market corrections are normal in long-term investing.

» How To Use The SIP

– Start with Rs.15,000 if Rs.20,000 feels difficult.

– Increase the SIP whenever your income increases.

– A 5% to 10% yearly SIP increase can help greatly.

– Keep the SIP running through market ups and downs.

– Review the portfolio once every year.

– Avoid changing funds based on short-term performance.

» Important Step Before Education

– Around five years before Rajbir needs the money, reduce equity exposure.

– Start moving the required education amount towards safer investments.

– Do this gradually instead of making one large shift.

– This protects the education corpus from sudden market falls.

» Which App Is Better

– The app is less important than the investment process.

– Since you are investing through an AMFI-registered MFD, regular plans can be considered.

– Regular plans include professional support and portfolio monitoring.

– Your MFD can also help with nominee and documentation matters.

– Avoid selecting funds only because an app shows low costs.

– The lowest cost does not always mean the best overall solution.

» Do Not Over-Diversify

– Four funds are sufficient for your present SIP.

– Adding ten or fifteen funds will not improve diversification much.

– It can instead make portfolio monitoring difficult.

– Focus on fund quality, consistency and portfolio overlap.

» Protection For Rajbir's Goal

– Keep an emergency fund separately from this education SIP.

– Do not use the education portfolio for regular family expenses.

– Keep adequate life insurance for the earning parent.

– Maintain suitable family health insurance too.

– These protections help keep the SIP running during emergencies.

» Final Insights

– Rajbir has a useful time advantage because he is only four.

– Start with Rs.15,000 if that is comfortable today.

– Increase towards Rs.20,000 as your income improves.

– Keep equity exposure high during the early years.

– Gradually reduce risk before the education goal arrives.

– Stay disciplined and avoid reacting to market noise.

– This approach gives Rajbir a strong financial foundation for his future.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/