ADVICE FOR RETENTION.

Hi Fishes,
My LWD is on Oct3rd.DCA qualified. I only work in excel sheets here and 50% sal dependent on band. So, I resigned. I have an offer of 12 from Accenture. My CCTC is 8.5lpa. manager saying that they will change the clause, from incentive to fixed component. But won't give any hike. And since I have 2 A-bands, I will be promoted in Jan cycle to ITA, so another 20% hike
So he told me to let him know about my decision.

Should I stay or leave?
Yoe - 3.4

Pls help🥹

likehelpfuluplifting

Newbie investor asked me a question, they have $5k to invest and were wondering if they should put it in an index fund (S&P500 - which is what I’d normally recommend plus DCA thereafter) or if they should buy AMZN given that it is well off of its highs, is a solid company and would, in 12-18 months, likely grow faster than the S&P, as interest rates normalize over that time period, etc. That got me thinking… so I’m asking all of you, what would you do/recommend?

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Newbie here. I have ~25K in cash in an HYSA. I'd like to keep some cash in the HYSA but I'm also interested in investing (I have a Roth IRA and a regular brokerage account). How much should I keep and how much should I invest? Or should I just keep DCA-ing it?

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How long before flight do You recommend I get to get to DCA? Assuming no checked bag and TSA pre check.

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Best stocks to buy/DCA into during the continued recession/incoming pain?

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Good time to DCA into the market now?

funny

TCS has stopped the retaining for below associates,
1. Fresher that has joined 1-2year back
2. EP who joined in the last 1-2year back
3. Those who get the hike in wings or DCA in the last 1year
4. Those who get the salary correction
5. Those who are in free pool


This the mail that came from the corporate to my IOU head, as he(including my manager supervisor) tried to retain me. But the corporate denied these conditions.


Actually my whole team has put the resignation, almost 15person in my te

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TCS has stopped the retaining for below associates,
1. Fresher that has joined 1-2year back
2. EP who joined in the last 1-2year back
3. Those who get the hike in wings or DCA in the last 1year
4. Those who get the salary correction
5. Those who are in free pool


This the mail that came from the corporate to my IOU head, as he(including my manager supervisor) tried to retain me. But the corporate denied these conditions.


Actually my whole team has put the resignation, almost 15person in my te

like

Does anyone feel like the stock market with 401k/IRA is a herd mentality of everyone contributing for people to take out money when they’re older similar to social security at this point? And those of us participating are minimizing gains vs. individual stocks because we’re waiting on basically more people to contribute to the funds every month and to stay in the funds?

I just don’t understand the downswings on these 401k funds so significantly if everyone is DCA someone is selling.

likefunnyupliftinghelpful

Is TCS retaining employees? And what about DCA, do anyone know the full form of it?

likehelpful

Anyone seen Tesla’s in Hertz Presidents Circle these days? Had one in DCA in May but haven’t seen since and trying to figure out if I got lucky or if they are now being placed there more frequently

likesmart

Is VOO still the move? I have about 100k to invest and have started to DCA into VOO but now I’m getting served all sorts of click-baity articles saying it will underperform… difficult to parse good intel from bad content marketing from money managers. Should I diversify to other ETFs?

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If my employer doesn’t match 401k, and I’m already putting money in Roth IRA, is it still worth it to put money in 401k? Supposedly if I just DCA into S&P and never sell, there’s no tax on a regular non-tax-advantaged account either, so investing through a regular brokerage acct would be the same as through 401k acct? What am I missing here!

23, $100k in cash sitting at about 3.5%, $250k NW. no debt, paid car, currently rent in a UHCOL. DCA $100k in or go for real estate?

Joining bonus
What is DCA incentive, can anybidy explain?
I heard TCS can decrease ur salary, how does mechanism work? And what components can be reduced?

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Hi all,
I have 3.9 years of experience in tcs. Last year i was selected in DCA exam and started receiving elevated incentives. This year i was wrongly given C band and because of that my incentives are now paused. But the thing is my compensation letter still says my ctc is 8lpa. But in my salary slips I'm not receiving according to ctc. Currently I'm serving notice period and told the other company that my ctc is 8lpa. Will there be any issue on bgv when i join next company?

likeuplifting

Bull trap or bull market? What‘s going on? Are you taking profits or continuing to DCA in?

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likefunny

Hi all,
Has anyone know how much hike is given for DCA for an ITA associate( 7 years exp)

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Can I get some real helpful guidance here?

Current finances:
-75k in the market (VTI,QQQ, ETFs and stocks)
-20k in Emergency find /Cash
-30k in Roth(maxing since 2019)
-60k in 401k (maxing since 2019

I don’t got much money expenses and wanted to know where to put my money during this market for the next couple months. Is it smart to DCA? Put limit orders in? Just hold cash?

Additional info:
-minimal rent / expenses (~1000/mo)
- started HSA this year
-130k, 3 YOE
- no debt

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DCA into Bitcoin?

likefunny

If you guys came into a large windfall of cash today, would you immediately dump it into index funds, DCA it over the next few months, or wait on investing any of it until the market bottoms (which I know is unpredictable, but does seem like it’ll go lower). Thanks!

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Anyone fly out of DCA lately (domestic)? How was it compared to pre COVID? Have a flight tomorrow afternoon and trying to figure out what time I need to get there

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Happy fly day from DCA 🙃🙃🙃

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I have my whole 401k in a target date fund with a 30 year horizon. Should I do anything different or just keep DCA-ing with every paycheck? Is now the time to increase contributions?

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What are you guys doing with crypto? Debating if I should dca into eth or just wait it out.

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I’ve been making my regular monthly VTI buys, but also sitting on about $80k in cash that I was planning to invest. Split it up over the next few months to DCA it as well or try to time it for a larger dip?

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Since there’s no wash sale rule on crypto, anyone selling and buying immediately to capture losses? I have some old crypto (2013) and some new (DCA 2017-2021). I haven’t really tried doing this but interested if others have. Doesn’t feel worth the fees, but for my old coins feel like it would step up the basis without any major tax consequence.

like

Lump sum $6k now or DCA and contribute more as prices go lower?

like

None of those growth stocks going back to ATH anytime soon. Maybe in a few years some stocks with good resistance will bounce back to ATH.

Forget about your existing losses, and stop DCAing blindly. Do more research and find which stocks have strong balance sheet and strong future to be back over next few years.
Only pick selected few or blue chips for dca.

Easier would be to invest in index. Would still get solid returns.

like

So I was recently laid off. Wondering if I should keep investing into the market (dca into blue chip crypto + index funds) or if I should just stop since I don’t have recurring income anymore. For more context: I live at home and i have a decent amount in savings. I just would feel more comfy if I had $ coming in, especially given $ invested in the market now is losing value in the short term. But also worried I’m missing out on DCA and building long term wealth through investing. Thoughts??

like

Are we buying? DCA’ing? Praying? What’s the plan here

like

People keep saying DCA over the next few years and you’ll weather this potential recession. Can people provide reasons for and against? The other option being hold cash.

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Off topic, should I go with Tata Altroz DCA model or Renault Kiger?

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How to react when your boss says your Apriasal will be impacted and be on time in office for small small reasons:
Have everyone face such people, 6 month of joining
I am not performing that bad but he is comparing with others

Just to mention I don't care about Apriasal no expectations at all DCA hike only possible through switching

funny

Got $6K to spare in a Roth IRA. Lump sum or DCA?

likefunny

I fell asleep on the plane from DCA > CLT today and had a dream that American Airlines instituted a new policy where the entire flight is just a nonstop ad for their rewards credit card, and they stop announcing it only if 50% of passengers completed an application.

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27F - My parents set up a custodial account for me as a kid and we are in the process of transferring ownership (I feel very lucky that they were so forward-thinking!). It’s enough for a down payment on a property, but I do not see myself needing it in the next 1-2 years. Looking for suggestions - would you DCA into ETFs over the next 12 months or put it safely into an HYSA?

Background: No more debt / student loans, trying to plan for unknown future

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IMPORTANT 🥺🙏🏾

Hello Experienced TCSers,
I am DCA qualified C1 employee 2.9yoe. I want to stay in TCS. (Don't judge me)
My dad's health remains critical so TCS as a co. helps me take care of him.(Brain Haemorrhage+LHS Paralysis)
Problem is my 50% of sal is band dependent.
Have got 2 continuousAs .Tfactor - 3.06.
My question is ,can I get an offer outside and get 30% within tcs and convert elevate incentive into personal allowance section?

Pls help🙏🏾🙏🏾🙏🏾

like

Off topic - Any one owns Tata Altroz automatic (DCA). If yes , please let me know your views on it.

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Hi all for the last 6 months. I am getting the same issue. I camt apply in tcs . It's showing that I have a placement agency referred Candidate. I have even tried contacting the support team. But it's of no use. Even the old HR is not picking up calls.

What can I do pls suggest.

Tata Consultancy

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