Samith Radhakrishnan SVP Analytics Head LinkedIn Profile Article Link From previous simple tool kept going - built a portfolio simulator for Indian mutual funds. From scratch. Here's the full architecture. Start with data. 890 schemes. 38 categories. Returns across 9 timeframes (1W → 10Y), AUM, ratings. Large Cap, Mid Cap, Debt, Hybrid, Index — the full universe. Then score every fund on four dimensions: → Return Score — 5Y CAGR. Falls back to 3Y. Long-term is the only honest signal. → Volatility Score — std deviation. Lower wins. → Sharpe Ratio — return per unit of risk. The only way to compare across buckets. → Consistency Score — stability from 1W to 10Y. 14% every year beats 20-4-18%. One Composite Score. No star ratings. No distributor bias. Clean the universe ruthlessly. Dropped sectoral funds (timing risk dressed as alpha), Gold/silver ETFs (inflating passive returns to 32%), FoFs, and lock-in products. What remained: a rankable, honest universe. Top N per sub-category — configurable at 3, 5, 7, or 10. Map into four asset class buckets: Asset ClassRole Return Profile Equity --- Growth ---- ~17-19% Hybrid ---- Cushion----- ~12% Debt ------ Stability----- ~8% Passive ----Low-cost-- ~13% Four risk profiles — Conservative to Very Aggressive — define the mix. Equity weight runs from 20% to 75%. Then run 10,000 Monte Carlo simulations. Each path: monthly returns drawn from Normal(μ/12, σ/√12), compounded with SIP additions. 10,000 futures. Every month. Every year of your horizon. From those paths, extract: → P10 — Worst case (bottom 10%) → P50 — Median, most likely outcome → P90 — Best case (top 10%) → XIRR on the median path → FIRE year — first year your corpus crosses your target The full architecture in one flow: 890 funds → Scoring → Composite Score → Top N per sub-category → Risk Profile → Asset class weights → Blended return + volatility → Monte Carlo (10,000 paths × monthly SIP) → P10 / P50 / P90 + FIRE year → Streamlit Dashboard → Live Most financial tools show you the past. This one simulates 10,000 versions of your future — and tells you which one is most likely. → Try MF Wealth Lab live:-  https://lnkd.in/gN4jnDdF Built for anyone who wants to think clearly about wealth, not just track it.

Janhvi Goel 8 Years

Parv Dasani 9 years Holi, the Festival of Colours, is a joyous Indian celebration marking the victory of good over evil. The festival originates from the story of Prahlad, a devotee of Lord Vishnu, who was saved from his evil father Hiranyakashyap and aunt Holika's attempt to kill him in fire. Holika was burned instead due to misusing her fire-immunity boon. Famously known as the festival of colours, Holi is a joyous festival, celebrated across India. It marks the victory of good over evil. Holi is truly a source of joy for everyone. It is also known as the festival of happiness and prosperity. Children bring water guns and colours to the garden. They take great joy in splashing people with water. Colours brighten the place and everyone is really happy. Holi has a great story behind it, symbolising the victory of good over evil. Now, I will share this story with you. Long, long ago there was an evil demon called Hiranyakashyap. He had a son called Prahlad. He was the king of demons at that time. In his kingdom, worshipping God was a crime. Yet, Prahlad always worshipped Lord Vishnu. So, Hiranyakashyap tried to call him in any ways. But every time Prahlad was about to get killed, Lord Vishnu saved him all the time. One day, Hiranyakashyap got an idea. Since his elder sister Holika had gotten a boon to be immune to fire, he decided to convince Prahlad to sit in a fire with Holika. What a cruel act, isn’t it ? Well, he had forgotten one thing- this boon could only be used for a good cause. So, Lord Vishnu again helped Prahlad and Holika was burnt. Also, Hirankashyap was also killed by lord Vishnu for this cruel act. Each state in India has their own way of celebrating holi. Now I will tell you how holi is celebrated in few states of India: Uttar Pradesh- In Uttar Pradesh, Lathmar holi is famous in Banaras where women pretend to beat men with sticks. In Vrindavan, Phoolon ki holi (playing with flowers instead of colours) is played instead of colours West Bengal – Holi in West Bengal is known as Dal Jatra, involving music, dance and Dr Rabindranath Tagore’s poetry. Processions are also carried out with idols of Radha and Krishna Maharashtra- Holi is known as Rang Panchmi, celebrated with water and dry powded called Gulal. Punjab- In Punjab, Holi Mohalla is organised which is a 3- day sikh festival, featuring martial arts, horse riding and mock battles Gujarat- Holi is a two day vibrant festival in Gujarat, featuring Dhuleti on second day which is essentially playing with colours. Across all states, common tradition is a bonfire which is called Holika Dahan on the day of Holi, symbolizing the death of Holika. It depicts the victory of good over evil. So that’s all I have to share with all of You. Wish you all a very happy holi, may our lives be as colourful as the colours of Holi.

Parv Dasani 9 years The journey of knowledge, the magic of books, and the wisdom they provide. I got the most of my knowledge, from inside the pages of a book When I did not read, to settle me, a lot of time it took Before, I did nothing except to read a story When I was bored, I’d just read an exciting mystery To me, books are really efficient They’re just another way of studying anything important From books, you don’t only get knowledge, you also get entertained So when you’re bored, take a book, and you’ll be sustained It’s not only studies, there’s a load of other things too There’s things like autobiographies, where everything is true Then also fictional books, where the mystery starts These are always special for me, since with books, they were my start Books teach me a lot Bad things, they taught me how to spot Apart from that, there is also something else The ability to think smart when there is no one else So this is why I love reading books Whatever genre it may be, I’ll be satisfied with a good book And remember, books can be your source of wisdom Regardless of whatever happens

Harinath Poet EI Outlook Editor , Linkedin Profile , Blog From sidelines to center pitch—rage, grit, and joy collided. We didn’t play alone; we moved as one force. Sweat, pride, noise, silence—all bound into one unforgettable day

Ritika Saxena I’m so glad to be a part of the EI community. A big hats off to the EIEC team for organizing such a wonderful event so smoothly! The Holi celebration was truly memorable. From the vibrant atmosphere and energetic rain dance to the delicious breakfast and lunch, every moment was filled with joy and laughter. The Phoolon Ki Holi was especially beautiful and unique—it added such a lovely touch to the celebration. I shared the pictures with my family, and my mom absolutely loved the Phoolon Ki Holi concept. She also appreciated the organizers for putting together such a thoughtful and delightful experience. Thank you once again for creating such a joyful celebration. We had an amazing time!

Neha Suradkar Co- Founder of YOGEE Beauty   & Wellness Pvt Ltd Assistant Professor (Fashion History, Styling) LinkedIn Fashion and Design Educator, Entrepreneur, Style Coach™ and Advocate of Timeless Thinking One evening, I was sitting on a bench in the garden. It was that time in the evening when the compound is alive with children racing their bicycles around the pathway, some residents taking a stroll alone, while others walk with their buddies. On the opposite bench, a group of four young mothers sat chatting while keeping an eye on their children playing nearby. After a few minutes, I heard one of them say, almost wearily, “I really need a break… but there’s just so much to do.” The others nodded in agreement. Soon the conversation moved to everything that is part of their day-to-day routine- school, work, errands, cooking, helping with homework, managing the home, and so on and so forth. One of them laughed and said, “Sometimes I feel like I’m doing things for everyone all the time… and there’s not even a thank you.” Another added, “And if I sit down for five minutes, I feel guilty. Like I should be doing something useful.” They all laughed again. The kind of laughter that carries both humour and exhaustion. It sounded like a usual conversation. The one, many of us have heard, or perhaps even been part of. Yet something about it stayed with me. A few minutes later, one of them said something that caught my attention, “If I take time for myself, I feel selfish.” That word lingered in my mind- Selfish. It is interesting how easily we attach that word to the idea of caring for ourselves. Somewhere along the way, many of us seem to have learned that taking care of ourselves should come last. Work, family, responsibilities, expectations, everything else comes first. And when we do think about ourselves, a small voice inside often asks, “Isn’t that selfish?” But self-love and selfishness are not the same thing. Selfishness is about ignoring the needs of others. Self-love is about respecting your own well-being so that you can show up better for others. In fact, when we constantly run on empty, it becomes harder to be patient parents, supportive partners, thoughtful colleagues, or even kind neighbours. We become irritable, tired, and overwhelmed. Perhaps self-love is not indulgence, it is maintenance! Self-love rarely appears in dramatic ways. It is usually evident in small, everyday choices. It could be taking an evening walk instead of scrolling endlessly on the phone. Or, saying “no” to something that drains your energy. It could also be putting your phone aside and allowing yourself a few minutes of stillness. Sometimes self-love is about creating small rituals that soften the day. It could be watering plants, listening to music, reading a few pages of a book, or even enjoying a cup of tea without rushing. These small acts may look insignificant, but they gently remind us that our own well-being matters too. Another important part of self-love is learning to set boundaries. Many of us struggle with this. We agree to things even when we are exhausted. We say yes when we really mean no. But we have to understand that boundaries are not walls. They are just ways to protect our time and energy so we don’t lose ourselves while trying to take care of everything else. Today, when social media constantly shows us carefully curated glimpses of other people’s lives, their achievements, celebrations, travels, and milestones, practising self-love has become even more challenging. It is easy to fall into the comparison trap. But real life is far more layered than what appears on a screen. Everyone carries unseen struggles and moments of uncertainty. Learning to appreciate our own pace, rather than measuring it against someone else’s highlight reel, is one of the most powerful forms of self-respect. Self-love is not the same for everyone. It evolves as we do. From learning not to constantly seek validation to allowing yourself moments of pause without guilt. From remembering that rest is not laziness to rediscovering hobbies. Everything that you do for yourself is self-love! By then, the mothers on the opposite bench had gathered their children and were getting ready to head home. The bicycles were slowing down, the evening light had softened, and the garden was beginning to grow quieter. As I got up from my bench, I wondered how many of us sitting in that garden quietly believe that caring for ourselves is selfish. Perhaps it isn’t. Perhaps it is simply the beginning of a healthier relationship. The one we have with ourselves. Because sometimes the beginning of self-love is not a dramatic transformation. It is just a small shift in perspective. It might start with a simple question: “If I were my best friend, how would I treat myself today?” The answer might be surprisingly simple. And perhaps that is exactly where it begins. Learning, slowly and gently, to be on our own side. Because love, in many ways, begins within.

Kaalika-The Rise of Raktbeej Poonam Desai Author   In the previous chapters, we saw Hiranya Kashyap and his aide Swarbhanu discover the resurrection stone at Kalimath and manage to find the blood stones. They resurrect demon Raktbeej while Sharvari, Dhaigham, Kasar and Dilan fail to stop them. As Raktbeej comes to power, chaos reins in the entire country. Mr. Raghav Sinha from the disaster management office is contacted by Hiranya under guise of Bija financials. The PM asks Mr. Sinha to contact DIG Pandey. They have a meeting with Sharvari and Kasar. Mr Sinha and DIG Pandey are shocked to learn about who was behind Raktbeej. Chapter 14 The room was silent for a while after Sharvari and Kasar hadrelated all the details to everyone present. Raghav Sinha rubbed his forehead and leaned back in his chair. “In my entire career I had never experienced nor expected this sort of a crisis. DIG Pandey, Sharvari what do you suggest, how should we proceed?” Sharvari sighed. “Sir we don’t have a clear answer either. But talking to Dhaigham and Dilan would be a beginning. They are looking at the history of their tribe to figure out a way to stop Hiranya.” It was almost midnight. DIG Pandey walked to a cabinet next to his desk and pulled out a bottle of whiskey and raised it to the room. “I need a drink after this. Anyone else care to join?” Raghav Sinha walked to the cabinet and picked a glass. Sharvari and Kasar excused themselves. Far from there, Raktbeej sat in meditation. He opened his eyes as soon as Hiranya entered the house. Hiranya asked Swarbhanu, “How has master been? Has his food been arranged? Is he comfortable?” “Master is satisfied Saaheb. However, he hasn’t been out of the room or eaten today.” Hiranya hurried to the room. Beyond the door the room was a black vortex and floating at its center. As soon as he felt Hiranya at the door, the vortex disappeared and the light returned. He motioned Hiranya to sit before him. “Hiranya, the days to come, you have to raise the chaos. The Simhas and the Devi have begun gathering reinforcements. Its time we unleash our full power.” Hiranya bowed his head and said, “Your wish is my command master.” He walked to his office leaving master in his meditation and began placing phone calls. Next morning, Kasar poured tea and bit into his toast whilst flicking through channels on TV. ‘…..Reporting from Ahmedabad live. The hospitals are overflowing with patients with skin rashes and blisters. Authorities are still investigating the source of the reaction; however, our TV channel has the inside story. The chemical industries which belong to the family of a known politician have been dumping questionable waste into the water resources……’ He flicked to the next channel. ‘…..a man has taken 22 children hostage at a audition in Mumbai. He has posted a video message asking the government for compensation for loosing his land and family to a road widening project…” The more channels he flicked, more such news showed up. He picked up the phone to call Sharvari and it rang. It was Sharvari. “Did you see the news?” they both said in chorus. Sharvari sighed and continued. “DIG sir had called. The random disasters have turned to being targeted ones and he is suspecting this is arm twisting.” “By whom?” “We know who.” “Damn. How does a thug get around the whole country creating so much chaos?” Sharvari nibbled on her thumbnail. “I think he influences people and their circumstances. He plays on their fear, anxiety and greed and it bolsters the negative sentiment. He is trying to corner the government.” Kasar scratched his chin. “But why? What will he achieve?” Sharvari straightened. “Isn’t he demanding to meet the Prime minister. If he controls the head of the country, he controls everything.” “Shit. I think we better call Dhaigham and Dilan. We need a solution faster than we thought.” “Lets meet at my office tomorrow and call them.” Next day Sharvari and Kasar met at her office in the morning. They dialed Dilan’s number. “Dilan? How are you?” “I am fine.” “Any progress?” “The scriptures describe the war between Devi Durga and Raktbeej. He was the most powerful foe; every drop of his blood that fell to the ground gave rise to his clones making him indestructible. That is when Devi summoned Maa Kaali. She swallowed his blood and licked every drop of his blood and ate his clones. Finally, he was defeated and banished to Paataal Lok.” Sharvari’s eyes widened and she grunted, “Ugh! That was the mythology. We aren’t dealing with Raktbeej’s physical clones and neither do we have a Kaali to swallow his blood and devour his clones. How do we deal with him now?” Dhaigham spoke. “Though the physical battle may not happen, the fear, the anxiety, the greed and jealousy that we are seeing are representative of his clones. The discord he is sowing are his blood drops. Hiranya is the vessel he is using to spread this chaos. If we want to defeat him we need to curb the chaos and find a way to get rid of Hiranya. With him gone, the demon will have to step out himself.” Sharvari and Kasar stared at each other. Even with Hiranya out of the way, how did one stop a demon?

Sandeep Mishra Electrical Engineer, Gold Medalist, Senior Executive, Poet, Tabla Enthusiast. न जाने क्यों न जाने वक्त की कोख में क्या छिपा है आगे क्या होगा , किसी को भी नहीं पता है। न जाने क्यों आदमी भाग रहा है,दौलत के वास्ते साथ न ले जा पायेगा,यह भी उसे पता है ।   न जाने क्यों ,लोग आपस में मिलते‌ नहीं कल कोई रहे या ना रहे ,यह किसको पता है।   न जाने क्यों लोग करते हैं ईर्ष्या दूसरों से जितना नसीब में है वही मिलेगा, सबको पता है।   न जाने क्यों लोग खोज रहें सुख भौतिक संसार में सुकून तो मन के अंदर है, सबको पता है।   संदीप

Sandeep Mishra Electrical engineer, gold medalist, senior executive,  poet, tabla enthusiast. होली की यादें याद आ रही है आज फिर बचपन की होली रंग भंग संग वो मित्रों की टोली। चंदा उगाही और लकड़ी की चोरी सजाते थे स्टेज पर होलिका और प्रल्हाद की जोड़ी। करते पहले पूजा फिर लगाते थे आग बड़े बूढ़े गाते थे झूमकर फाग। सुबह सुबह फागुन के मौसम की मस्ती मोहल्ले की हर लड़की लगती थी अच्छी। हाथों में गुलाल और गोरियों के गाल रंगों की बौछार कर दिल होता बेहाल। दोस्तों के संग करते हम हुड़दंग मदमस्त होकर पीते थे भंग। शाम होते होते थक जाते थे हम रात को कवि सम्मेलन जाते मित्रो के संग। उम्र ढलने लगी है अब नहीं रही वह उमंग टीवी पर ही देखते होली अब हम। पुरानी यादों में खोया था जागा सुन पत्नी की बोली याद आ रही है आज फिर बचपन की होली। संदीप मिश्रा।

Priya Chaturvedi Global Markets Professional, avid reader, finding rhythm in semi-classical dance and expression in Hindi verse. LinkedIn

Rati Hegde ( ratihegde@gmail.com ) Mob. No: 9819018240 X ; Facebook Smt. Rati Hegde is a columnist, author, speaker, TV panelist, Social Media influencer and founder member of the Hindu Charter of Demands and Equal Rights for Hindus. Recently her second book “Tales of Bharat – Dharma” was published by Indusscrolls. As per WHO, Ageism refers to the stereotypes (how we think), prejudice (how we feel) and discrimination (how we act) towards others or oneself based on age. The furiously fast pace of innovation and life which is loved by many also has a side to it which is frighteningly cruel to those who are unable to keep up with the pace, especially in technology driven industries. Students, especially in Bharat (India), now choose the Information Technology sector as their first choice in the education stream, since it is seen as an industry which gives one a job opportunity almost immediately on completion of the basic degree. While it is true that job opportunities for the young and inexperienced exist in plentiful in the Software industry, the fact is that most people only plan into the first 20 years of working, assuming that growth will happen automatically as one collects experience on the job. What happens to those who are not able to move up the ladder or those who are not able to keep up with the changes in technology? Even more frightening is the question as to what happens to those who have reached the upper bracket of income in a particular level? Year-on-year do they get the expected minimum 10% increase in salaries to keep up with the inflation and/or the years of service put in? In a country where people still agitate for “permanent” jobs in the government sector, the scary situation of their company being shut down when they have put in about 10+ years of service in that company, is totally unnerving. The situation becomes worse when they find it difficult to get new jobs or get a similar pay in a new job. A cursory search on Quora to figure out what IT engineers do after the age of 45 brings up a plethora of responses, all of which say that one cannot grow in the industry after the age of 40 years unless one is willing to branch out or update oneself. In fact, most of the responses insisted that there is no scope for continuing in the lower management or mid-management jobs in the IT industry after the age of 40 or 45 because by then the earning that the company gets v/s the salary paid to the employee becomes less than 1. That is why most information technology companies end up downsizing or retrenching their old staff regularly. Unless one is a billable resource, one will be fired. About 10 - 15% of the staff find themselves having risen into the post of Team leaders and only about 5% of the staff will have risen to the ranks of top management. In such a scenario it makes little sense to presume that one could hope to stay in the same company till one retires. A good question to ask oneself is whether 10 years of doing the same job gives one the same experience or increase in salary as taking up 10 different jobs in 10 years in the same sector. The follow-up question would be as to which experience would help one get a job if one were to quit or were fired at the age of 40 years. Most people in the IT industry above the age of 45 years shift to allied industries which can use their knowledge and experience in maintaining their systems, for example, the healthcare industry or the insurance industry. It comes as no surprise, especially after COVID, that people are now willing to use digital technology to monitor their health or investments and/or get online consultations for various services. These sectors require people who have experience in entering information and maintaining the system, both considered boring jobs by the younger generation. Another service sector that is recruiting old blood is the legal sector. Of course for entering any of these industries, one has to take mandatory training to equip oneself to the respective terminology and other requirements. One of the best examples to understand how changes affect an entire industry is to take a look at the animation industry. VFX & Animation are words that are used often when we see special effects in films. This industry and its employees faced one of the biggest challenges when the technology changed from 2D to 3D. New software sprung up almost suddenly and the end users, mainly the film industry wanted the best special effects. Imagine, a whole line of artistes (those who create the special effects) had to learn a new technology within months! They knew the art, but not the technology. From making classic masterpieces in animated films, they were now useless unless they learnt the latest technology which forced them to look at and work on every frame with depth (no pun intended). Those who were able to learn the new software, survived. But many people dropped out of the industry altogether because they were not able to learn at the ripe old age of 40 and above. Guess which field stood to gain because of this? YouTube creations! When one door closes, another one opens… The only way to stay ahead today is to train the brain to look forward to changes, innovations and welcome continuous skill development and risk taking. Self-training in saving and investment techniques is also one of the most necessary skills one needs to learn young, to sustain oneself in trying times. Recently I spoke to a person employed in one of the biggest companies in Bangalore and he was seeking advice on whether to take up further studies in the Technology stream or the Management stream. His worry was that youngsters who were being absorbed into his company spoke a language which was entirely different from the one his peers spoke. And this man was all of 29 years of age 1 ! According to a developer of websites, what has happened is that people from the older generation find it difficult to accept that what took them pages of coding is now available as a free feature. Their expertise, say for example, in creating pull-down menus, is now taken for granted and this makes them feel outdated. They have to unlearn long coding requirements and freshly learn to adapt to the use of Widgets, Search Engines, etc. To the end user, it seems that things have been simplified and the end user expects changes in his/her Applications very fast, but to the developer who now has to learn newer ways of effecting changes in look and speed to keep his/her client happy, it seems like an onerous task 2 . This means that even small firms have to cope with ageism when it comes to getting newer clients or keeping older clients in their books. A silver lining in the whole thing is that many companies, especially the bigger ones, have started investing in training their own staff to adapt to new technology. Continuous training programmes are conducted round the year for staff at various levels to help them cope with the change in expectations. According to Shri Vivek Grover, a Director in one of the Big 4, “Companies with good work culture and ethics have realised the value of retaining their staff instead of hiring and firing”. Of course Unicorns and smaller startups have yet to realise this especially since they are in a hurry to cut costs and get quicker results. They prefer to hire young blood who can train themselves on the job. Recently I read about Shri Sujit Chattopadhyay being presented the Padma Shri for Literature and Education. After 39 years of work as a teacher, he retired. But he just did not want to hang up his boots, because he felt that he was still capable of giving to society. He started a free coaching centre called “Sadai Fakirer Pathshala” in 2004 and now has over 3000 students per year, most of who are young tribal girls. And they have gone on to be employed in various industries. When ageism hits, it is time to give back to society 3 . Healthcare, Ageism and the role of Industry One rarely discussed fact is the effect of ageism on health. The healthcare industry is among the worst when it comes to discrimination because of age. The attention given by caregivers, to the ill depends a lot on the age of the patient, especially when it comes to hospitalisation. People are conditioned to believe that it is the young who deserve to be saved first (in case of serious illness) and hence, more attention is given to those who are below the age of 65 years of age. Families just do not want to spend more on hospitalisation and treatment if the patient is old. The number of elderly in India is projected to reach 158.7 million in 2025 (United Nations Department of Economic and Social Affairs, 2008) 4 , and is expected, by 2050, to surpass the population of children below 14 years. This amounts to about 20% of our population are senior citizens. As per another report 5 , about 25% of our population are under the age of 18. This means that about 45% of our population are more or less dependent on the people who are the main income earners in the country. In the absence of any State-sponsored security benefits or income, it goes without saying that most families face a difficult situation when anyone falls seriously ill or requires hospitalisation. It is a known fact that the need for healthcare increases with age. The National Family Health Survey of 2004–2005 quoted in the UNDESA report above, indicates that only 10% of households in India had at least one member of the family covered by any form of health insurance. Since almost 83% of all healthcare expenses are Out Of Pocket expenses, not covered by insurance or government schemes (if any), it follows that a large part of income has to be kept aside for covering healthcare, especially in families which have senior citizens as members of the family.   Half of the Indian elderly are dependents, often due to widowhood, divorce, or separation, and a majority of the elderly are women (70%). On a side note if we keep this in mind, we realise why more and more people are desperate for freebies announced by political parties.   One must also note that in a country as populous as ours it is difficult to provide for employment to those above the age of 60 years, because this cuts into the employment for those in the 18-60 years bracket. Keeping all the above factors in mind, it is imperative that: Government brings out schemes which enforce savings for those in the employable age, in a manner that annual payments/returns are made only after retirement/60 years of age, till death of the employee and his/her spouse. It could be on the lines of Social Security benefits available in First World countries. In cases where the person falls below poverty line or is unemployable, the Government should contribute to this fund in the name of the person. Companies contribute a small percentage/fixed amount in the name of every employee to the above scheme every month, even if the employee works only for a few months. Such a scheme should be made mandatory even for temporary staff, contract labourers and those on contract/consultation, etc. Retail businesses, hotels, restaurants and those in the service industry should be given small incentives for employing people above the age of 60, even if it is on a part-time basis. To summarise, Companies need to do the following to make sure that Ageism does not trump Loyalty and Humanism: Train their staff on a regular basis to keep up with the times. If retrenching older staff becomes necessary, help them to find their footing in newer jobs or in different sectors. Have regular sessions to educate staff in savings and investment options. Individuals need to do the following to beat Ageism: Make sure that you attend every training programme offered by your organisation and keep updating your knowledge. If you get a chance to take up assignments abroad, especially in Technologically advanced countries, do take it up. Remember that 40 is the new 60 when it comes to retirement. Difficult as it may sound, financial goals have to be achieved by the time you are 40 years of age. Do not have substantial loans beyond that age, because then every time your career boat is rocked, you will feel more stress than necessary. Keep networking and making connections, because that is where you will find help in getting job offers. Ageism has made people feel less secure in their jobs in the technology sector but the flipside of this has been that it has made people feel the need to learn further and keep upgrading their skills. It has also made people explore new frontiers once their basic need of financial security has been satisfied. This has led to development in this sector itself and also in other sectors which have no connection to the software industry per se. People are now using their skills to teach others, to make life simpler for others, to give life to unfulfilled dreams. It makes one realise that what matters is neither age nor experience – it is the ability to adapt and improve on oneself. Add a little empathy to that and there will always be room for people of all ages in all sectors. References: 1.      Shri Shivakumar H, Senior Engineer, Bosch Global Software Tech. Pvt. Ltd 2.      Smt. Ritu Rathore, Proprietor, Infiaxon Pvt. Ltd. 3.      https://www.timesnownews.com/viral/meet-retired-bengali-teacher-78-who-teaches-350-tribal-students-for-rs-2-padma-shri-sujit-chattopadhyay-article-91208248 4.      https://www.ncbi.nlm.nih.gov/books/NBK109208/ 5.      https://www.statista.com/topics/9677/children-in-india/ Rati Hegde 602, Om Viraj CHSL, Paliram Path, Andheri West, Mumbai 400058.