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)

Can someone explain if I should use regular 401k or Roth 401k? My 2 FA’s gave different answers and I don’t understand which to use. I have already done the back door Roth IRA max

Worth getting the SPG card for 30k points ($3k spend in 3 months) or hold off until that goes up to 35-40k (will it?)

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

How many years did it take before you could pay off all your med school loans? I'm starting to feel like it won't even be possible.

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

Does j2 background check decline you if they see you’re still employed with j1?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

If you could go back in time what would you tell yourself before taking out student loans?

Okay finance lawyers. I don't understand this issue. Client says books show we're highly profitable but we have no way to pay our tax liability.... Well where the hell did tbe money go ? Client also claims that they are only taking a small portion of the revenue as profit. I don't understand how your books can be different than reality.

Living in NJ and may be able to choose NYC as my home office. People who live in NJ can choose NJ / NYC office, which one did you choose?

NJ office: no NYC tax, don't have to file 2 state return. Live in NJ so auto assigned to NJ office currently.

NYC office: NYC tax on paycheck, easier commute, possibly higher pay?

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

How to change bank account to receive salry I currently have HDFC want to change it AXIS

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

Do I need to sell cash sitting in my fidelity core position to be able to use that?

Anyone has experience in investing through Angellist?

I am on my second year of STEM OPT. Was not selected in the H1b lottery this year. Have another shot next year (still low chances of getting selected). Could I still be selected, assuming that some companies are going to lay off some workers/withdraw apps? What should be my plan B if I don’t get selected next year?

Making the move from Chicago to Brooklyn. I'm looking for Sr. Art Director roles but open to other positions outside of traditional advertising as well. Being able to incorporate photography would be a bonus.

Who decides the Hike percentage in EY GDS ?

Please help me to understand if counsellor plays any role in hike percentage or is that based on Current rating we have got while VPB announcement ?

Hi All,
Looking for job change .(Application /production support)
YOE :7+
Some one please refer me.

Hey all,

What are some PE firms (likely mid-market) that specialise in doing Entertainment deals, especially in gaming hardware, software, solutions that underpin the value chains ?

Anyone tax litigation associates looking for a new opportunity? A Southern firm we work with is looking to expand their busy practice. Please DM me. You don’t necessarily need to be barred in their state yet, they are open to having people move from elsewhere.

Just curious what is (if any) the severance pay in case you get laid off from your firm due to a market slowdown.

FAANG PMTs salaries?
Looking to hear about PMT/ Sr. PMT / Principal PMT Salaries

Been on a few dates with this guy and he literally keeps using the washroom every 10-15 mins!

He would leave to use the washroom like 3 times in one meal- has anyone else experienced this? I just feel so weird about it

I passed out in 2013 and started job in 2015 on contractual basis till mid 2017 and during this Many payroll companies changed for that particular contract and in this duration my PF, tax didn't deduct and no record in PF portal. Then joined Infosys in mid 2017. So now wanted to know can I show my experience from 2017 to apply in companies as for bgv many companies ask for PF statement or form 16 for all previous companies. How should I deal for 4 years gap if i show exp. from 2017 ?

Need to quit my firm. Who’s got local projects?

Could you help on TCS UK Onsite salary for C3A. Do we get part of indian salary also. Whether onsite salary depends on grade..

Recruiters, my position as senior in-house counsel at a privately held electronics manufacturing company was eliminated recently due to COVID. Looking for opportunities in the Mpls/Chicago areas. Open to networking or discussing any open opportunities. Experience includes development and purchasing contracts, distribution agreements, patents, trademarks, licensing, data privacy for an international organization with a legal department of one.

I currently work as a 3rd year associate at BDO, soon to be senior associate in South America. As a foreigner what are my chances of gettin a job at a big4 in the US?

Which agency does Jack Daniels TV?

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...

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?

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

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

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

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

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

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?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Hi Experts,

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

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

Hi folks,

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

MY NPS SIP deducts 30/- as convenience fees
I am 27 my NPS is for 33 years my convenience fees will be around 11k
What to do ?

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?

Recently I underwent surgery ,do we have option to show unreimbursed amount which is not covered under insurance for tax exemption

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

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.

Anyone can guide in options trading?🙂🙂
Lost around 10k😒