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Ans: It's evident you've put thought into your investment choices, and that's a commendable step towards securing your financial future. However, let's reflect on whether your portfolio aligns well with your long-term goals.

Consider the diversification of your portfolio across various mutual fund categories and market segments. Are you adequately spread across different sectors and asset classes to mitigate risks?

Additionally, assess the performance of each fund over time and their consistency in delivering returns. Are there any funds that haven't been meeting expectations, or could benefit from a review?

As a Certified Financial Planner, I encourage you to periodically review your portfolio and make adjustments as needed to ensure it remains aligned with your objectives and market conditions. Consulting with a financial advisor can provide valuable insights and help optimize your investment strategy for long-term growth. Remember, investing is a journey, and staying vigilant and adaptable will serve you well on your path to building a healthy corpus.

Ans: Dear Anand,

Sorry for the delay in reply

Several factors to weigh you may consider-

Do your skill assessment this evaluate your current skills and identify if any gaps for a successful transition
Consider acquiring any relevant course/ certifications if needed
Consider potential impact on your salary if the new field has growth prospects which are aligning to your long term plans and has a potential to growth then you may consider taking the dip.
Reflect on your long term career goals. Ask yourself will the switch contribute to the overall career satisfaction?
Network with people who have made similar transitions. Understand Pros and Cons. Be prepared.
Consider your current level of job satisfaction in the current role. If you are constantly feeling dissatisfied then might be worth exploring newer options.
Keep an eye on the market trends

Tip to consider- job switch decision involves a balance between financial, personal satisfaction and fulfillment and long term goals.
Approach the decision with careful planning and knowing the pro's and con's
Keep the mitigation/ risk (if any) strategy in place

Hope this helps

Thanks
Ashwini Dasgupta
Author of Confidence Decoded. Is it a Skill or Attitude