Hello sir, I have never been able to crack JEE mains in both my attempts and have gained an overall percentile of 75-78 throughout my two phases of appearing in the examination i.e. once in 2024 and then again in the 2025 drop year that did not go as expected at all due to various unprecedented circumstances. I tried though could not even make it till achieving the cut off score. I was a student from a CISCE affiliated school, where my 10th and 12th percentages in Boards have been 95.20 and 93.25 respectively. Engineering entrances did not benefit me although I had huge aspirations to be a computer science engineer for I had been quite passionate with the subject itself. Last year I was not quite informed and also had my 12th Boards lurking in my head, so I couldn't opt for my state's enginnering entrance and VITEEE(as the other exam which I had considered this year). The WBJEE results i.e. my state board Engineering entrance results still await, and I am not very hopeful about that either, whilst VITEEE has also been a complete disaster for me as I have ended up with a phase 4 rank and even if I had gained a phase 1 rank, my financial situation is not very affluent to afford the entire education expenses of a private college of that stature. And losing in on VIT also eliminates my hopes of being enrolled to any other private college where availing education is so expensive. My academic record till class 12 has not been too bad I feel, yet sir my current situation is continuously putting me in disappointment. It's already July and I have now made a change of plans. I have henceforth decided to pursue BSc Computer Science from any college where I can be offered a decent academic environment at a cheap cost, and being a citizen of west bengal, I have considered taking admission to Ramkrishna Mission Vivekananda centenary College, Rahara(Which is NIRF rank 3 under general colleges category as of 2024). I have all my focus on now being able to compete for IIT JAM or GATE examination while I complete my graduation. Now whether An M.tech or MSc. In computer science would be a considerable option for me in future and this far how correct have I been in my thinking and choices with keeping my financial compulsions in mind is a question that I have remained confused with, and that is why I went about writing as far as providing you a brief and honest description of my academic and financial background so that I can be helped through this online consultation in shaping my career ahead. I belong to a very needy family sir..so I'll forever remain indebted to your reply, if you can benefit me with your solicited advice.

Ans: You have made many financial moves with clarity and purpose. Your asset base is strong.

You sold Rs.?1.6 crore worth of financial assets to buy a house. Let us now assess this decision. We’ll look at all angles to guide you.

This detailed review will help you make smart, balanced, long-term decisions.

Was Buying the Property a Good Decision?

Owning a house offers emotional comfort and stability.

It also lowers rent cost and gives more space.

But property is not a flexible investment.

It is hard to sell fast when money is needed.

Property needs repairs, tax payments and legal care.

Financial investments do not have such burdens.

Your earlier financial assets were more liquid.

You had Rs.?2 crore in stocks and Rs.?1 crore in bonds and mutual funds.

After this new property, your real estate share is now very high.

This can impact long-term growth and flexibility.

Financial assets like mutual funds often grow faster.

Properties in outskirts grow slowly and depend on area development.

This growth is not guaranteed.

You must check if the area has good infrastructure plans.

Is Real Estate the Best Wealth-Building Tool?

Property is not the fastest wealth builder.

Equity mutual funds grow faster over time.

Property needs high capital, low returns and long holding periods.

You may also face legal or title issues.

Rent income is also not guaranteed.

Real estate is hard to sell when you need cash.

Stocks and bonds are easier to exit.

Real estate gives pride, but less profit.

You must not depend only on property for wealth.

How Your Asset Mix Looks Now

Your assets are now heavy in real estate.

Rs.?70 lakhs flat in Bangalore plus Rs.?1.6 crore new house.

That’s over Rs.?2.3 crore in property.

Stock and mutual fund holding is now Rs.?2 crore approx.

This makes the ratio about 55% in real estate.

For financial growth, this is very high.

Financial assets give compounding and flexibility.

Too much in real estate may hurt long-term goals.

You may face difficulty accessing funds in emergencies.

Liquidity is now lower than before.

You are on a job break, so liquidity is more important now.

During Career Break, Liquidity is Vital

When you are not earning, liquidity is your protection.

Property cannot give you quick funds in emergencies.

But mutual funds and stocks can be sold in 1-3 days.

You must protect cash flow till income resumes.

Emergency fund should be 12 months’ living cost.

Ensure you are not over-relying on property.

What You Could Have Considered Instead

You could rent in outskirts instead of buying.

Renting keeps your money invested in mutual funds.

You could have earned higher returns with flexibility.

Money in mutual funds can help meet multiple goals.

Renting avoids repair, tax and legal costs.

Ownership is not always necessary.

Emotional satisfaction from a house is valid.

But it must not reduce your long-term growth.

Why Mutual Funds Are a Better Tool for Growth

Mutual funds give professional fund management.

They offer better diversification than any property.

Regular mutual fund plans offer expert support.

A Certified Financial Planner can help choose better funds.

Actively managed funds adjust to market changes.

Index funds just copy the market.

Index funds don’t protect against sharp market falls.

They do not beat the market in tough times.

Direct mutual funds also have no personal help.

If you invest directly, you get no strategy or advice.

Regular plans give human support and help in planning.

Investment without expert help is like driving without direction.

Choose mutual funds through MFD with CFP support.

What You Should Do Next

Review if the new house is for self-use or investment.

If self-use, then it meets emotional comfort, not wealth goals.

If investment, then rethink its growth and returns.

Keep some funds in high-quality mutual funds.

Avoid putting more into real estate.

Resume SIPs once cash flow starts again.

Avoid index funds and direct funds going forward.

Focus on active funds with proper advice.

Set goals for retirement, health, and other needs.

Adjust asset mix to support those goals.

Keep financial assets above 50% for better future growth.

Plan your tax-saving investments every year.

Don’t depend only on property or insurance-based plans.

If you hold any LIC, ULIP, or combo plans, review them.

If returns are poor, consider surrendering and investing in mutual funds.

Property must be need-based, not return-based.

Let financial products drive long-term growth.

Take insurance for risk protection, not investment.

Continue asset review every 6 months.

Choose Certified Financial Planner to keep you on track.

Finally

Your decision to buy the house brings peace, but lowers growth.

It’s fine if emotional security is your key goal now.

But make sure you don’t lose financial strength.

Property is hard to manage, and slow to grow.

Your asset allocation needs rebalancing toward financial investments.

Start investing again when income resumes.

Reduce dependence on physical assets.

Trust actively managed mutual funds via regular plans.

Seek professional guidance to ensure your long-term success.

You’ve done well so far. With a few changes, you can go further.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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