Age-29

Monthly income-1.5L cash, 18k PF deposited by company.

Monthly SIP- 50k
Monthly Expenses- 60k
Sending Home - 40k

Total Corpus as below - 44L
Equity- 6L
MF- 27L (Index, Small, Mid & Multi asset)
EPF- 6L
NPS- 2L
FD- 3L

Q1- How I am doing financially?
Q2- Any changes should I make in my investment style?
Q3- Should I buy a house ? As I am paying 30k Rent in Bangalore?

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

Any good mf with less tracking error to invest in us equity.

Hello All,

Can anyone please help me here.
I have made my tax payment in July 2022 but yesterday (15 Nov 2022) I receive an email that tax payment is due for assessment year 2022-23

I called to help desk and he advised to raise rectification request from Tax portal and update the challan number. I tried to raise request but need to upload some XML or json file there. I am not sure how to upload or modify that file.

Does anyone know what steps need to follow as I already made my tax payment.

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Have about 5k in stocks I was saving to put down on a house. My portfolio just evened out after the march fall. Looks like i may not need this $ to cover the payment now, should i leave it in or pull?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

Anyone opted for NPS Employer contribution, is it good for tax saving? Is there any maximum limit to it? Does employer really pay it or deduct it from our CTC only?
Please help.

Which credit card do you think is the best for ME consultants?

About to get a home improvement loan. Any recommendations for a lender? Also looking for general advice. TIA!

Anyone recently got a mortgage through SOFI? can you please share your experience?

Pushing out my retirement date... Crypto down 60%, stocks down 30%.. I was a millionaire in Jan now only a 750kaire lolz. Just numbers on a sheet keep rolling

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

How did you learn how to invest? (Stocks, Bonds, wtv) I am a newbie to investing and would love suggestions on helpful resources.

Looking for job opportunity for technical recruiter with 9yrs experience. I am currently in Hyderabad.

What are thoughts on Rotman with $$? Debating between that and just wait another year for T15. International student looking for jobs in Canada, 720 GMAT, 3 yoe at big 4

Have offer from Nagarro Gurgaon. Is it possible to relocate to Bangalore post covid instead of Gurgaon ?

Out of work and just been rejected for what would have been a great role... pointers for keeping skills in check whilst out of work... feel the longer I’m out the less employable I’m becoming

London folks, need some help: offer at Deloitte Consulting, C Grade, £50k base. Practice sits within former S&O. Yay or nay? Also where does £50k puts me in the YOE as a C?

I need some advice from advisors who have brought other “Junior” Advisors on. What is a fair split? Currently I have passed on my smaller clients to them, as well as providing consistent leads for them to call and meet with. The individual is working to build their own book of business, but up to now doesn’t have much production. They have only been in the business for about 2 years. I also provide an office and everything that comes with that, and admin assistance. Thanks in advance!

Need a recommendation for a contract analytics service provider. Don’t need the lifecycle or repository bells and whistles, just need something I can feed 10k documents and it provides me with data points, preferably individually and in aggregate. Does something like this exist??

I have got an offer from juniper for notice period of 2 months but my company notice period is 3 months. Initially HR confirmed via mail that revised offer letter will be shared post confirming doj. But now after 1 month juniper HR is not picking call/not responding to emails.
Can they revoke the offer?

Posting my question again:::
How Barclays India helped it's employees during COVID?? Did they fire anyone???

That time you get to the checkout register, after maxing out your dinner stipend with filler items, and you forget your corporate card...fml 😑

Recently bought into IIPR for the long term. Saw the move today to begin federal legalization - will that hurt the company since producers will have access to banks then?

In light of everything that is going on, I would like to quote a simple yet powerful line from Prophet Mohammad (SAW) last sermon, in which he (SAW) says:

“A white has no superiority over a black nor a black has any superiority over a white – except by piety and good action.”

Just curious what kind of projects/work do you guys mostly do at your firm?

Hi fishes,
I am currently working as Branch Manager (scale-2 officer) in one of the leading public sector banks and have 5 yr experience in core banking. I am having 2.5 years experience in the IT sector on vision plus as a software engineer (before joining the bank). I have knowledge of core banking as well as good knowledge of banking tools like finacle, caps, imac etc. I want to switch to private financial institutions.
Any suggestions about such institutions and the domain for I can apply

Anyone who can provide referral for EY Luxembourg position?? Same for Deloitte as well. Thanks in advance

Hi

I work in P2P process.
I have got offer in seimens and koch buisness solution. Can anyone tell me which company is better and go for it.

Thanks

I realized recently that I can turn my “super associate” persona at any time. I had it off during covid when my kids needed me and got a bad review. So now it’s back on. I’m responding to midnight emails (and daytime ones in under 20 minutes) and getting work done the same morning. I’m spending countless hours doing edits over edits. I actually don’t like super associate. Why do people live like this 24/7?!? 🤔

Hi, I’m fairly new to corporate America with only several years of experience in financial services. I’m a Black female having difficulty navigating a white, male dominated field. Can someone share advice on navigating the office politics while being a POC? My question is specifically about asking tough questions to senior management. Is there specific “etiquette” to follow?

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

Hello folks, My ctc is current at 6.2lpa and I would like to cut down my taxes. Any suggestions on where to invest for tax savings? Also is FD a best plan for investment with lock in period od 4 yrs for tax saving bills?

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

Hello guys,

How much % of salary do you save?

While mentioning %, please let us know if you are married/unmarried, pay rent or not.

Just want to know if 70% is enough for a single man who does not pay rent. Or am I saving less money?

Guys, I need your expert suggestions. All figures are in INR
I am living in Europe with my wife. We both are earning.We save around 4.5 to 5 lakhs every month based on exchange rate. We have SIPs of around 60k. Please help me to invest my savings. Apart from mutual fund SIPs I don't know much.

Hi Experts,

Suggest me some debt funds. Looking for investment for 3-5 years.

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA