How can a stressed 45-year-old woman overcome anxiety during court hearings?

Ans: With an SC category rank around 1,500 to 2,000, your brother stands a reasonable chance of securing CSE or ECE in some of the top NITs. See previous years' cut off.

Ans: Hello Dear.
You did not mention the category. Considering the OC category, the chances of getting CS in NITs are less. The score for the CSE branch is bright. If your daughter is interested in the computer field, then and then only ask her to opt for it. Otherwise, choose other options.
Follow me, if satisfied with the reply. Thanks
(Radheshyam)

Ans: Hello! First of all, I really appreciate that you're sharing your situation openly. I understand that you're going through a tough time, but I want to assure you that there are always ways to move forward. You are not stuck, and there are opportunities for you to earn well and build a good career.
Step 1: Clear Your B.Com Degree (Important)
You have only one backlog paper (Taxation) left. Make it your #1 priority to clear this in 2025 because having a degree will open more opportunities.
You already passed all other subjects, so just focus on this one. If needed, get help from a tutor or YouTube courses on Taxation.
ccounting & Taxation (?25,000 - ?60,000 per month)
Since you already studied B.Com, this is a natural career path.
Learn Tally, GST Filing, Income Tax Filing.
Free courses: Government’s NPTEL, YouTube (Search “GST Filing Course India”)
I believe in you. Take the first step today! Your situation will improve within 1 year.

Ans: Hello Ravindra
You have a chance to get a seat in IIITs under the OC girl category.
Follow me. Thanks
Radheshya,

Ans: Hello Dear
I suggest you score more and more rather than can considering the minimum marks or rank. To get admission to top tier 1 NITs, one should aim to score around 98 percentile for sure shot admission. The cut-off varies year by year. Hence instead of sticking on previous years ' offs, one should score more to be in the safe zone always. Hope you will also think in the same way. Thanks

Follow me.
(Radheshyam)

Ans: Hello Dear.
You have a strong chance to get a seat in NITs either for ECE or CSE.

Follow me. Thanks
Radheshyam

Ans: Hello Vishan
Chance is there to get a seat in NITs.
Best of luck to you.

Follow me. Thanks
Radheshyam

Ans: Hi Jagannath,
Greetings.
Since your daughter has chosen a specialized course in Bachelor of Cardiovascular Technology, there are several options available in hospitals specifically for this field. You mentioned that she is currently undergoing an internship at Manipal Hospital in Bengaluru. She should take advantage of this opportunity to enhance her skills during her internship.

As cardiovascular diseases are increasingly common due to stress and other factors, she has the potential to build a rewarding career. Here are some potential roles she could consider:

Cardiovascular Technologist: Assisting cardiologists in diagnostic and therapeutic procedures.
Cardiovascular Technician: Supporting cardiologists in various clinical settings.
Cardiac Care Technologist: Providing support and care for patients with cardiac conditions.
Sonographer: Using ultrasound technology to monitor and assess patients.

Other career options include:
- Echocardiography Technician
- Electrophysiology Specialist
- Dialysis Technician
Encourage her to make the most of her time at Manipal Hospital and explore the various career paths available in this growing field.

Best wishes to your daughter for a bright and successful future.

POOCHO. LIFE CHANGE KARO.

Ans: You are investing in a diverse set of funds across multiple categories. It is important to check if your portfolio is well-balanced, tax-efficient, and aligned with your risk appetite.

Fund Overlap and Diversification
You have too many funds in the same category.

Multiple large-cap, multi-cap, and index funds create unnecessary duplication.

A smaller, well-chosen portfolio will improve returns and reduce complexity.

Index Funds in Your Portfolio
You are investing in four index funds.

Index funds lack downside protection in market crashes.

Actively managed funds have better potential to beat the market.

Consider reducing index fund exposure to improve returns.

Sector and Thematic Funds
You have a technology sector fund.

Sector funds can be high-risk, as they depend on one industry’s performance.

A diversified portfolio is better than relying on a single sector.

If held, sector funds should be less than 10% of the total portfolio.

Multi-Asset and Hybrid Funds
Multi-asset funds help in balancing risk with exposure to equity, debt, and gold.

You have three multi-asset funds, which may be too many.

It is better to consolidate and hold only one or two of the best-performing funds.

Retirement Fund and Balanced Advantage Fund
SBI Retirement Aggressive Fund is designed for long-term wealth creation.

HDFC Balanced Advantage Fund helps in managing market volatility.

These funds are suitable for investors above 50, as they lower risk.

Recommended Changes
Reduce fund duplication by keeping only one multi-asset fund.

Exit some index funds and switch to actively managed funds.

Limit sector funds to a small portion of your portfolio.

Continue investing in flexi-cap and balanced advantage funds for long-term stability.

Final Insights
Your portfolio has good diversification but can be simplified.

Reducing overlapping funds will improve returns and ease tracking.

Shifting from index funds to actively managed funds may provide better growth.

Holding for 10 years is a good strategy, but regular rebalancing is needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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