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Nayagam P P |4033 Answers |Ask -Follow

Career Counsellor - Answered on Jul 25, 2024

Nayagam is a certified career counsellor and the founder of EduJob360.
He started his career as an HR professional and has over 10 years of experience in tutoring and mentoring students from Classes 8 to 12, helping them choose the right stream, course and college/university.
He also counsels students on how to prepare for entrance exams for getting admission into reputed universities /colleges for their graduate/postgraduate courses.
He has guided both fresh graduates and experienced professionals on how to write a resume, how to prepare for job interviews and how to negotiate their salary when joining a new job.
Nayagam has published an eBook, Professional Resume Writing Without Googling.
He has a postgraduate degree in human resources from Bhartiya Vidya Bhavan, Delhi, a postgraduate diploma in labour law from Madras University, a postgraduate diploma in school counselling from Symbiosis, Pune, and a certification in child psychology from Counsel India.
He has also completed his master’s degree in career counselling from ICCC-Mindler and Counsel, India.
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Question by Hemal on Jul 25, 2024Hindi

Relationship

Thankyou so much Sir

Ans: Welcome.

RelationshipReply

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Thank you so much sir

Ans: Welcome Rahul :)

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Thank you so much sir

Ans: Welcome :)

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Thank you so much sir

Ans: Welcome :)

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Ramalingam Kalirajan |7478 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 09, 2025

Question by Stock - Jan 09, 2025Hindi

Money

Am currently 50...I dont hv job. .Iam invested in mmt but right now am 15% on my PF....I invested 19lacs on mkt. ...wht shud ido ?

Ans: You have made bold moves in investing Rs. 19 lakhs in the market. Being 15% down on your portfolio is concerning but manageable. Let us evaluate your current position and suggest actionable steps.

Key Concerns
Jobless Situation: Absence of steady income creates financial pressure.

Market Volatility: A 15% loss indicates exposure to high-risk investments.

Emergency Needs: Liquidity might be limited if all funds are in the market.

Long-Term Goals: Planning for retirement is essential at this stage.

Strengths
Investments in Market: Rs. 19 lakhs is a good corpus to build wealth.

Time to Recover: At 50, there is still time for strategic financial planning.

Aggressive Approach: Shows you are willing to take risks, which can be an advantage.

Recommendations
Reassess Portfolio Allocation
Review your investments in mutual funds or stocks.

Shift a portion to balanced or hybrid funds for stability.

Reduce exposure to high-risk segments like small caps or sectoral funds.

Create a Contingency Fund
Set aside Rs. 3-5 lakhs for emergencies.

Use liquid funds or short-term fixed deposits for easy access.

Explore Income Sources
Find part-time or freelance opportunities to ease financial stress.

Rental income, tutoring, or consulting can supplement your needs.

Stop Panic Selling
Do not redeem investments in a downturn.

Hold onto quality assets for market recovery.

Diversify Investments
Avoid putting all money in equities.

Consider fixed income options like Senior Citizen Savings Scheme (when eligible), or debt funds.

Plan for Retirement
Evaluate the gap between your current corpus and retirement needs.

Use Systematic Withdrawal Plans (SWP) later for regular post-retirement income.

Monitor Regularly
Review your portfolio every 6 months.

Seek guidance from a Certified Financial Planner for rebalancing.

Final Insights
Your situation requires balanced risk-taking and income generation strategies. Preserve capital while focusing on gradual recovery. Discipline and informed decisions will help secure your financial future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Kanchan Rai |479 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

Is it okay to marry someone from different caste but same gotra?

Ans: the decision to marry someone from a different caste but the same gotra should be based on mutual understanding, respect, and a shared vision for your future together. Open communication with both families and possibly seeking guidance from elders or counselors can help navigate any challenges and ensure that the decision aligns with both your personal values and cultural expectations.

Kanchan Rai |479 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Relationship

i have been married for months and recently found out that my husband is talking secretly with his workmate like 2 months before wedding.i saw all the conversation it seems that both of them are flirting with each other.but then my husband clarify that it was nothing and nothing happened between them but now im literally confuse if i had the right decision of marrying him.And we talk honetly and he told me everything but still i have this doubt esp we will be a long distance again????And he promise he will not talk again with anyone he gave me all his password for all his account and he even buy cctv so that i can monitor him while his away.please help me i dont know what to do i love him dearly and i want to move forward with our future but still have this doubts what if he will do it again????

Ans: The fact that your husband has been open and taken steps to reassure you, like sharing his passwords and even installing CCTV, shows that he's trying to rebuild trust and be transparent. These actions suggest he's serious about addressing your concerns and committed to making you feel secure in the relationship.

That said, rebuilding trust isn't something that happens instantly. It takes time, consistent effort, and ongoing communication. It's important to acknowledge your feelings and give yourself the space to process them. Feeling doubt after something like this is a normal response, but it doesn't have to define your relationship going forward.

It's vital to keep the lines of communication open. Talk openly about your feelings, worries, and needs. This kind of dialogue can help both of you understand each other better and strengthen your bond. You might also find it helpful to discuss and agree on clear boundaries for interactions with others, especially given the long-distance aspect of your relationship. This can help create a sense of security and prevent misunderstandings.

While it's important to acknowledge what happened, try to focus on the present and what you both can do to nurture your relationship moving forward. If you find that your doubts and anxieties are overwhelming, seeking the guidance of a couples' therapist might be beneficial. A therapist can help facilitate deeper conversations and provide strategies to rebuild trust and strengthen your relationship.

It's okay to feel unsure, but also recognize the effort your husband is putting in. Trust takes time to rebuild, but with love, dedication, and mutual effort, you can move forward together. Remember, it's a journey, and it's okay to take things one step at a time.

Radheshyam Zanwar |1135 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Career

Hello, I've completed bums and I want to do Msc in climate change abroad, is it possible to do so?

Ans: Hello Dear.
Yes, it is possible to pursue an MSc in Climate Change abroad. Many universities offer programs in this field, and the eligibility criteria can vary. Please check the specific fictions and requirements of a particular university.
If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

Milind Vadjikar |850 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Money

Hello, I will turn 57 in a few days' time and my wife is 53. We are both salaried professionals and our respective organizations have covered us handsomely with regard to health insurance coverage. However, just to ensure security, I was wanting to know whether it is worthwhile to take additional health coverage for the time when I would no longer be working. I am not sure if I should take another base policy covering both of us, or only a top-up policy over and above our current insurance cover given by our employers. Can you guide me on which policy would be the best for us? I am looking at Rs.10 lakhs additional cover.

Ans: Hello;

You are absolutely right.

You must have healthcare policy covering both of you, other then the one provided by the employer.

I would recommend to buy higher healthcare cover(25-30 L). Right now this may seem redundant and a waste of money but both of you are on the verge of retirement.

New insurer will have 2 to 3 year exclusion for pre existing illnesses, if any.

After 60 typically people come across lifestyle or such other diseases so it's always better.

Seek help of an insurance advisor for proper selection of policy. He may also help in case of claims, if any.

Best wishes;

Milind Vadjikar |850 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 09, 2025

Question by ANIL - Jan 09, 2025Hindi

Money

I have a SIP with groww nifty ev and new age aytomative etf since its inception . Its showing negative returns oflate . Should i stop SIP or continue .

Ans: Hello;

If your investment horizon is long-term then you shouldn't be concerned about such short term volatility.

Also as far as possible keep exposure to sectoral and thematic funds/ETFs to the minimum.

Happy Investing;

Milind Vadjikar |850 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025

Money

I’ve been focusing primarily on IT and banking stocks but am interested in diversifying into specialty chemicals. With SRF and Navin Fluorine showing such strong performance, are these stocks a good starting point?

Ans: Hello;

My view is agri chemicals segment will perform better than the specialty chemicals segment in the long run.

Having said that, SRF is a well diversified chemical behemoth and may be considered for long term horizon(7 yr+).

However for appropriate entry point into this stock you may seek guidance from a sebi registered research/technical analyst.

Happy Investing;

Milind Vadjikar |850 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Money

I am planning to invest in SBI life smart privilege ULIP with 10 lakhs p.a. and 5 year lock in period as it is suggested by a friend but i have came across a thread in your website where many members got very low or modest returns in same plan. Should i consider this plan or not? I have gone through various charges to manage pplicy also which are very high but policy managers ensures reversal of charges after lock in period ends like 1% FV on 6th yr, 2.5% FV on 10th year. And to inform you i have already one life insurance cover policy from Max life insurance, So is it worth to invest in Sbi Life smart privilege plan now?

Ans: Hello;

Never make the mistake of mixing investment and insurance.

The annual premium that you are planning to invest(10 L pa) will require you to pay LTCG tax on maturity as per new rules.

If you already have a sufficient life insurance cover then I suggest you to avoid this ULIP and invest in NPS, mutual funds(both equity and debt), gold and real estate for your other goals.

Best wishes;

Prof Suvasish Mukhopadhyay |282 Answers |Ask -Follow

Career Counsellor - Answered on Jan 09, 2025

Question by Diane - Jan 08, 2025Hindi

Career

The Fortinet FCP_FGT_AD-7.4 certification is a crucial credential for professionals in network security, particularly those working with FortiGate devices, as it validates the skills necessary for effectively managing and securing network infrastructures. The FCP - FortiGate 7.4 Administrator exam assesses candidates on various topics, including firewall policies, VPN configurations, and content inspection. This certification enhances individual career prospects by confirming expertise in FortiGate management and strengthens organizational cybersecurity by ensuring that skilled professionals are equipped to combat evolving cyber threats. To prepare effectively for the FCP_FGT_AD-7.4 exam, candidates should utilize a variety of study materials, including official training courses and high-quality FCP_FGT_AD-7.4 Dumps available on P2PExams, which provide realistic practice questions' and enhance understanding of the exam content. Overall, achieving this certification is a significant milestone contributing to personal development and improved security measures within organizations. For More Info Visit:p2pexams.com

Ans: What is your question? Best wishes. Professor..................................................:)

Prof Suvasish Mukhopadhyay |282 Answers |Ask -Follow

Career Counsellor - Answered on Jan 09, 2025

Asked by Anonymous - Jan 09, 2025Hindi

Career

Dear Sir, I am inspired by V Narayanan’s journey at ISRO. Does ISRO offer internships or collaboration opportunities for students and professionals to gain exposure before applying for full-time roles?

Ans: That much is known ISRO gives study leave for pursuing MS from USA or other eminent countries, but there is bond. After completion of MS again you will have to join ISRO. Bye and best wishes. Just follow me. MAY GOD BLESS YOU. Professor...........................:)

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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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