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Ans: Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, or other assets. Here's how mutual funds help manage risk:
1. Diversification: Mutual funds invest in a diversified portfolio of securities across different asset classes, sectors, industries, and geographic regions. Diversification helps spread risk and reduces the impact of adverse events affecting a single security or sector on the overall portfolio.
2. Professional Management: Mutual funds are managed by experienced fund managers who conduct thorough research, analysis, and investment selection based on market conditions, economic outlook, and investment objectives. Fund managers make informed decisions to optimize returns while managing risks effectively.
3. Risk Assessment and Management: Fund managers assess various types of risks such as market risk, credit risk, liquidity risk, and interest rate risk associated with the securities in the portfolio. They employ risk management techniques such as asset allocation, security selection, and hedging strategies to mitigate risks and protect investors' capital.
4. Asset Allocation: Mutual funds allocate investments across different asset classes such as equities, fixed income securities, and cash equivalents based on the fund's investment objective and risk profile. Asset allocation helps balance risk and return potential, depending on investors' goals, time horizon, and risk tolerance.
5. Regulatory Oversight: Mutual funds are regulated by regulatory authorities such as the Securities and Exchange Board of India (SEBI) in India. Regulatory oversight ensures that mutual funds adhere to regulatory guidelines, disclose relevant information to investors, and operate in a transparent and accountable manner, enhancing investor protection and confidence.
6. Transparency and Liquidity: Mutual funds provide transparency regarding their portfolio holdings, investment strategy, and performance through regular disclosures and reports. Additionally, mutual funds offer liquidity, allowing investors to buy or sell fund units at prevailing net asset values (NAVs) based on the fund's liquidity terms and redemption process.
By offering diversification, professional management, risk assessment, regulatory oversight, and transparency, mutual funds help investors manage risk effectively while seeking to achieve their financial goals over the long term.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner
www.holisticinvestment.in

Ans: Ah, mutual funds! A great way to navigate the market, but like any good adventure, there's always a bit of risk involved. So, how do we gauge this risk? Well, imagine you're setting sail on a ship – wouldn't you want to know if it's built for calm seas or choppy waters?

Here's your captain's checklist for mutual fund risk:

The Portfolio's Compass: What kind of stocks or bonds does the fund invest in? Large, established companies are generally smoother sailing than smaller, high-growth ones.
The Market's Current: Different sectors can be more volatile than others. A fund heavily invested in technology might experience bumpier rides than one focused on consumer staples.
The Historical Charts: How has the fund performed in the past? Just because it's been smooth sailing recently doesn't guarantee calm seas ahead. Past performance isn't always a perfect indicator, but it can be a helpful clue.
These are just a few indicators, and remember, a good map (your investment plan) and a trusty advisor (a Certified Financial Planner) are crucial for a successful voyage!

Ans: Thank you for getting in touch with me on Rediff Gurus. "BSc," or Bachelor of Science, is a broad term encompassing a wide range of academic disciplines within the natural sciences, social sciences, and sometimes even interdisciplinary fields. The best career options with a Bachelor of Science (BSc) degree depend on your specific interests, skills, and the specialization you have pursued during your studies. Here are some popular and promising career paths for BSc graduates across various fields, which include job openings for Data Scientist/Analyst, Artificial Intelligence/Machine Learning Engineer, Biotechnology/Bioinformatics Specialist, Environmental Scientist/Engineer, Nanotechnology Researcher, Space Exploration/Space Science, Quantum Computing/Quantum Information Scientist, Augmented Reality/Virtual Reality Developer, Cybersecurity Analyst, Renewable Energy Specialist, Software Developer/Engineer, Environmental Scientist, Actuarial Analyst, and Geospatial Analyst to work in the future.

Depending on your interests, skills, and specializations, you can explore opportunities in various industries, including technology, healthcare, finance, research, environmental science, and more. It's essential for you to research different career paths, gain relevant experience through internships or entry-level positions, and continuously develop your skills to succeed in your chosen field.

Ans: Yes, you can file ITR-3 this year if you have income from both freelance teaching and share trading profits. ITR-3 is the income tax return form that is applicable for individuals and Hindu Undivided Families (HUFs) who have income from sources like business or profession, including income from trading activities

Ans: No. A very vehement and emphatic NO. Please realize that we are sitting in the 21st century with the luxury of having a lot of the communicable diseases well eradicated or controlled because of these vaccines. Autism spectrum disorders are diagnosed more now than before due to the increased awareness and diagnostic definitions currently available. Vaccines have nothing to do with it.

Ans: Person having income from tuition is chargeable to tax as Income from business profession. In case of Income from business and profession, ITR 3 is applicable. In case ITR presumptive taxation scheme is opted, ITR 4 is applicable.

Share trading income can be chargeable to tax under the head Income from business or Income from capital gain depending on various factors.In case of income from capital gain, ITR 4 can not be filed and both income is required to be shown in ITR 3.

Ans: Try and fix a bedtime routine. There should be a meal followed by a play time. This could be followed by a warm bath. Depending on the age of the child , a story could be read or a soothing song. Avoid rocking. Just place the child in bed with comfortable bedding, clothing. Lighting should be dim. At the most pat the baby for a while. Then you should leave the room. Even if the baby cries in protest avoid rushing back. Return only if the crying is distressed. Some therapists advise returning only up to the door and speaking soothingly to the child.
It goes without saying, no screen time at all.

Ans: Hi
By "NHS" I assume you mean the National Health Service (the publicly funded Healthcare system in the UK). If yes, I'm afraid only a dentist who has worked in the UK can answer your question satisfactorily.
It is safe to assume that NHS crowns and fillings will be of a slightly lower - and more affordable - quality than the options available in private.

Ans: Chicken brings in more protein to withstand the defence which the body is doing infighting the germs.
But even veg soup spiced up with pepper is good

Ans: Use the below filter
PE < 15
ROCE > 20
ROE > 20
ROIC > 20 (return on Invested Capital)
Growth > 20
Promoters Holding > 50%
Debt to Equity < 1
FII + DII Holding

Disclaimer: Investments in securities are subject to market RISKS. Read all the related documents carefully before investing. Please consult your appointed/paid financial adviser before taking any decision. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Ans: You would have to come from a background of the Sciences and clear IMU CET, TMI-BITS-EE as entrance examinations. There are Bachelors in Technology that you should be opting for once you have cleared these entrance examinations.

Ans: Hi San, I can recommend better if you can clarify whether you took up Science, Commerce &/or Arts during your HSC. Each of the career paths are entirely different for each of these streams

Ans: Hello San,
Which degree are you seeking? Please elaborate so that I can give a specific answer.

Ans: No

Ans: Dear San Tosh, I can see that over the last 22 years, while trying out career options, you have gained experience in both professional employment and business. Although it seems that you are struggling, this span of gaining experience is a good thing. Always remember, one can begin or start anew at any point of time in life. I have seen who have started at the age of 60 and have been very successful in life, so don’t give up quick. You need to evaluate your strength and based that, try to get a job which is suitable for you. To start a business, you need to be confident enough that you have the resource to initiate the process and the will to struggle for the initial period till your business takes a stand. So, if you feel it in your inner strength that you would be successful in business and not give up on small hiccups or roadblocks, start with any small MSME business and make it successful with your will, grit and vigour! All the best.