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Email id -  crycleco@gmail.com
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Different Career Options to Explore

Hey !

What do you want to become in future ? 

If taking PCM as major, surely an Engineer  If PCB, then Doctor If  decided to take Commerce after X then surely CA or might be CS, 

Extremely Sorry If I missed some other few fascinating professions.

But wait...

Do you really want to limit yourself into few overhyped choices ? Have you ever thought of giving a try to other things which really needed to be explored, specially when you are in school. 

School Life is the only Life which comes with bundles of opportunity with 0 risk.  Yes It comes with 0 risk, You need not to worry about earning, You don't have that much responsibility So it's the best time where you can shape your hobbies and construct the base for the future.

I know it sounds like philosophy but wait, 

Don't follow it blindly, I am telling you this by extracting the gist from the talks of various successful people. One of my favorite is Lex Fridman Podcast where recently Elon Musk said that

 

 "It's really very very important to have basic knowledge of everything & It comes from lot of diverse reading "

These days, Younger generations in school only pursue selective study which is directly indirectly linked to some competitive exams without actually analysing what they really like.

Our New Education Policy also designed in such a way that student can think in much more diverse manner without any strict boundaries of subject like currently it is.

A Science student must have basic knowledge of fundamental of Economics, Philosophy & Sociology & a Commerce or Humanities student must have basic understanding of Technology, Cyber Security.

Apart from these theoretical concepts One should must try some relevant practical things which is now directly or indirectly involved in the human life these days. Some of the relevant skills like Yoga, Mediation which a youth must practice. 

Some practical skills like Conversation skill, Public speaking, Video editing, Graphic designing, Logo designing and many more are proved to be well paying too and all with your comfort & proper work life balance, which many Corporate job fails to provide.

 It will be really an injustice if I enlist some of the career option to opt for a school student in order to have better career ahead. In fact successful people like Elon Musk, Jack Ma, Steve Jobs and many more highly recommended the same thing for youth and that is TO EXPLORE MORE AND MORE AT THIS AGE  in order to introduce real you to yourself.

And once you got yourself, Once you find out what you actually you like, Trust me you gonna rock.

Just Give it a  TRY

       

Why Financial Literacy is important ?

The most important question for the beginners who want to start investing is

Why should I Invest ❓😕

Before coming to our topic, just imagine for a minute or ask your parents how much pocket money they used to get when they were kids, most probably 5-10 rupees monthly(If really getting at that time).  

And how much do you get in a month?

Can you compare the price of 1Kg Sugar today and same 1 Kg sugar price 10 year back. Is it same or different ? 

Obviously different, but what is the reason?

The reason is INFLATION (increase in prices of goods and services in an economy).

It means, if you have 100 in the year 2000. At that time 100 currency notes had a value of 100 but today, in 2021, the value of 100 currency notes has decreased which means you will get less goods and services today as compared to the year2000.

Therefore investment is the only way to increase the worth of your capital or to beat inflation. But the right type investment knowledge and consultancy is necessary which crycle will be giving you. We are committed to work day and night to provide you the best Financial Consulting on your fingertips from the top class financial researchers using all the latest tekstac.  😀😃😃😃😃😃😃😃😃

 

There are majorly 4 most important asset classes where one can invest and earn returns in short or long term.

Before moving ahead Let me clear what actually Asset is? Asset means something valuable belonging to a person or organization.

Ø  Fixed income instruments       (FDs)

Ø  Equities                                        (Shares)

Ø  Real Estate                                   (Property)

Ø  Commodities                              (Metals)

 

An asset class is a category of investment with particular risk and returns.

Risk is directly proportional to the returns.

 

1. Fixed Income Instruments-💲🔒

                     The risk factor in this type of asset class is very minimal. An investor gets interest on the principal amount (invested amount). The interest paid could be quarterly, semi – annually, annually. At the end of the maturity period (term of deposit) capital is returned to the investor.

 

2. Equity-💱💹

            Equity means buying and selling of shares in the share market (Stock Exchanges- BSE and NSE). In equity the risk percentage is higher with higher returns. Over the last 15 years equities have generated returns of 14% - 15%. Unlike the fixed income instruments, there is no guarantee of capital in equity.

 

3. Real Estate-🏠🏠

                Real estate involves buying and selling of commercial and non-commercial land and property.

There are majorly 2 sources of income from real estate

v  Rental

v  Capital Appreciation of the investment amount (Buy property at lower price and sell it at higher price)

In real estate the liquidity of money is very viscous. As it takes a long time in paperwork and other processes.

 

4. Commodities-💍💍👑

                  Commodities involve gold and silver majorly. Commodity price can be extremely volatile. There are many factors which affect the prices of gold and silver. Over the last 10 years, around 10% returns would be generated by this asset class.

   

 

Instruments	Returns (annually)	Risk Level	Sources
1. Fixed-Income	4%-5%	Minimum	Bonds / Fixed deposit
2. Equity	14%-15%	Maximum	Shares
3. Real Estate	Not predictable	Moderate	Property
4. Commodities	8%-10%	Average	Gold/ Silver

 

Why Career Consulting is important ?

 

“PAPA khte hai bda naam karega Beta hamara aesa kaam karega”

This famous line from Indian Bollywood song shows the level of expectations of Indian parents from a child exist even from earlier days.

Every parent wants their child do great things in future and for that they are always ready to invest a big chunk of their savings for their son/daughter career growth.  Sometime they take Bank loan, Personal loan and can go to any extent in order to provide the sufficient resource so that their child can build a wonderful career.

In a developing country like India major share of population have limited resource for their children. There is so called Middle Class or Lower Middle Class of the society who have Education as the only weapon to change their status or make their future more secure.

Therefore Indian parents are always ready to invest in education as much as they can and here the real GAME starts.

The innocent Indian parents and their children becomes a prey for many.

Starting from Academics students get misrouted by different different marketing tools in order to make maximum profit. Without letting them explore the plethora of ideas they are being served with fancy dreams of becoming  IITian, getting into AIIMS, and few more.

When child entered into the journey of high school he automatically start dreaming of either becoming IITian or some other similar glittered profile like MBBS, CA etc.

Nowadays there is an added flavor of making child Bill gates of Microsoft or Mark Zuckerberg  of Facebook by providing high paid so called coding classes to them at early age.

In college these trend get converted to either getting job at Top MNC’s or aiming for prestigious government exams like UPSC CIVIL SERVICES, PCS, SSC, Banking and many more.

And this game goes on and on till the age of 30 and student get sucked properly by both financially & emotionally at all stages be it School, College or at early career level.

This all just because of Improper Consulting & misguiding. We at CRYCLE aim to provide top level of consulting with particular fields Industry expert with real experience such that a student can make his/her own decisions by correlating with the situations shared by the experienced person and considering all the pros and cons. There are millions of ways by which a person can excel in his/her career and we are ready work day and night to provide every single experience, every single pros and cons and every single ways at your fingertips.