I am 34 years old and working in a private organisation.

With a view of accumulating a corpus of 5 crore in next 20 years including child education (2 child), and retirement corpus.

I have been investigating in mutual funds for the past 6 months an amount of 24K.

I am also doing top ups of around 5K in the below mentioned MF's every month.

Please suggest whether I can continue with these funds or switch to another MFs.

Please suggest is this portfolio ok for long term investment.

Mutual Funds	Plan	Per cent
1. Axis Blue Chip fund	Regular plan Growth	5000
2. Canera Robeco bluechip Equity Fund		5000
3. Axis Midcap Fund	Growth	4000
4. Mirrae Asset Emerging Blue Chip	Regular Growth	2500
5. Axis multi cap fund	Regular plan Growth	1500
6. PGIM India Midcap opportunities fund	Growth	2000
7. TATA small cap fund	Regular plan Growth fund	2500
8. ICICI prudential flexi cap fund	Growth	1500

Ans: It's important to realise that sales is the first step to learn buyer behavior which is so important to learn successful marketing.

I feel with your BBA you are looking for a comfortable in house job..
It's important to realise with the MBA's churned out like Lassi, you will be an also ran in the corporate race for selection in the first place.!

I suggest master sales,make a performance statement, win a few Awards.. Over the year's arm yourself with an MBA (Marketing) from a prestigious institute... You will find a career in marketing.

Ans: I undestand & agree as parents, there can't be any counsellor better than them.

Having said so there's a scientific method called IQ test which goes deeper to understand the ability and aptitude of the individual.

In India, the education system is memory based rather than evaluating the in born skill sets.
However your child has reached 10th grade CBSE which has a fairly educative platform.

The continuation of what was learnt and which will be applicable in the combination he chooses to match, his subject tastes, aptitude and ability!

Suggestions: emotionally parental choice, professionally must consult the school counselor, go through the education subject performance graph. Along with your and incumbents gut feel.. That's important!?

Ans: A MSc Microbiology will get job opportunities in the pharmaceutical sector, breweries, dairy or distilleries. They work as pharmacologists, microbiologists, Food Technologists or Biomedical scientists depending on the area of work.
Microbiology is a part of the Biotechnology stream. Students get opportunities in the field of drug manufacturing, vaccine production, fertilizer production etc. The starting salary after MSc Microbiology is INR 4 LPA which can go up to 10 LPA as you reach 4-5 years of work experience.

Ans: Astrobiology is a niche and highly paid career the world over.

Having said so, the specialists and organizations are few!

It's uncertain, when you plan to do this program and when you will graduate.

The scope starts from ISRO in India, NASA in US and several others too!

High risk High gain.. it's up-to your aptitude and ability!

Ans: Hello Rohit,

To begin with, thank you for contacting us. I am glad to hear that your daughter is going to complete her Bachelor of Arts (BA) with Psychology Honours and has received an offer to pursue her Master of Science (MSc) in Organizational Psychology from the University of Manchester in the UK. To answer your question first, I would like to tell you that your daughter will be offered a solid basis in understanding human behavior in the workplace as well as real-world abilities in fields viz., talent management, employee evaluation, and organizational development through pursuing a Master of Science in Organizational Psychology from the University of Manchester. Students pursuing this degree are provided with the information and skills required to tackle different difficulties that organizations encounter, viz., leadership effectiveness, employee motivation, and team dynamics.

Concerning your query regarding the future prospects and employability, I would like to tell you that with businesses recognizing the significance of comprehending and maximizing their manpower, the demand for organizational psychology continues to rise. You would be glad to know that your daughter can choose from many different jobs including talent management, training and development, human resources, organizational consulting, and other positions with this degree. Remember that organizational pyschologists are respected for their ability to use psychological principles to enhance productivity in the workplace, employee satisfaction, and efficiency of the organization.

Next, coming to your query as to how this course is different from an MBA in Human Resources, I would like to let you know that an MSc in Organizational Psychology in comparison to an MBA in Human Resources generally places a greater emphasis on the psychological facets of the behavior and growth of organizations. Although topics associated with managing people within organizations is also covered in an MBA in Human Resources, it frequently adopts a more comprehensive corporate viewpoint encompassing fields viz., strategy, marketing, and finance.

I would like to tell you that your daughter's interests and professional objectives play a key role in deciding between an MSc in Organizational Psychology and an MBA in Human Resources. An MSc in Organizational Psychology would be a better choice if your daughter is interested in studying human behavior in the workplace and wishes to gain expertise in fields viz., leadership development, employee well-being, and organizational culture. On the contrary, if your daughter wants to acquire a deeper understanding of business management with a concentration on Human Resources (HR), and aspires to work in more general management positions within organizations, then an MBA in Human Resources may be an appropriate choice.

Remember that both paths can result in lucrative employment prospects. When making an informed choice, I would suggest that your daughter carefully takes into account her strengths, personal interests, and future professional objectives. Moreover, in order to acquire valuable information pertaining to the prospects following the completion of either degree, I would recommend that your daughter conducts a comprehensive study on particular labor markets as well as gets in touch with experts of both the domains.

For more information, you can visit our website.

Ans: Hello Sanchita. Thank you for connecting with us. Congratulations to your daughter on her academic achievements and securing a position as an HR business partner (management trainee) at Kirloskar Pune. It is evident that she has a strong academic background, leading to promising career prospects ahead. It is understandable that there are financial constraints at the moment. Furthermore, let me tell you that there are educational loans that would be available for your daughter’s education abroad. Given your daughter’s excellent academic background, she can be eligible for scholarships and financial aid, either fully or partially. This would help your daughter manage her finances well abroad.There are some universities that come with financial aid packages like grants, loans, and work opportunities. This is specially designed to cover tuition fees, living expenses, etc. In addition to this, there are work opportunities as well, which would also be a good option for your daughter. By carefully planning and prioritising expenses, financial challenges won’t be an issue.

All the best to your daughter in her future endeavours.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Hello. Thank you for contacting us. Congratulations on completing your M.Tech. in electrical engineering. Pursuing a part-time Ph.D. while having family responsibilities is indeed a commendable goal that you can achieve. However, let me tell you that we don't deal with Ph.D. programs at the moment. If you are willing to pursue an additional associate’s degree or a bachelor’s degree, you can simply come in contact with us. We also provide coaching for TOEFL, GRE, GMAT, IELTS, and PTE, to name a few. Additionally, we have career counselling as well. You can avail the services by getting in contact with us. We would be more than happy to help.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Hello Simranpreet. Thank you for contacting us. I am glad to hear that you wish to pursue an MBBS in Australia. You can start by researching various institutions, checking for eligibility, appearing for required entrance tests, planning your finances carefully, and considering other aspects of your education. However, for more information regarding the financial relief part, you may contact your nearest Edwise office or share your details here. The concerned counsellor will guide you on the correct path and give you the best guidance.

For any further queries, please get in touch with us. We have a team of expert counsellors who can guide you through any concerns or questions you may have.

Ans: Dear Sir/ Madam,

Most important thing is to be proactive in what you do. Few aspects to look at-

Focus more on continuous learning
Diversify your skills
Build a strong portfolio
Network and collaborate
Focus on your personal branding across all platforms
Seek for support, mentoring and guidance if needed
Look for freelancing/ consulting options as well

All the best.

Hope this helps and all the best

To Your Success
Thanks and Regards
Ashwini Dasgupta
Author of Confidence Decoded. Is it a Skill or Attitude?