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)

Hello Autodeskers,
I wanted to understand how RSUs work in your favour? I mean if I am getting rsus amounting to 40% of my package, and another company is matching the package with all fixed, should I still choose Autodesk package? How about selling them and taxation? Is it really beneficial or risky?

How much do professional, high-earning (300k+) people put down as down payment for their first home / condo in Manhattan? 20% seems pretty high given the median prices, but looks like thats standard

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Other than Airbnb, what is the best way to find month to month rental options?

For EESP - which is better share withholding or payroll withholding? Thoughts?

Any A&M folks here? Wondering how benefits / 401k compare to Big 4

Hear me out! I left my 15 year career in the corporate world to pursue being a realtor.1) It was never boring
2) It was the most challenging
3) It was extremely rewarding to be able to help families find their dream homes

Hello fishes, can we buy land/plot to save long term capital gain tax?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

What's the best way to repair someone's credit score? Anyone here experts in this category?

Any good personal finance resources for new grads? How to choose a savings account, how much to invest, etc.

What are ways I can spend my $200 airline credit for the Amex platinum ? I saw upgrades don’t count and I have status so already get free baggage, lounge etc.

Thinking of buying a first property with my SO. Any suggestions on area? criteria: safe and well connected. all wisdom appreciate and welcome!

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

What’s the most you would feel comfortable spending on rent in BH/WeHo for a 1bed at $250k TC and no debt?

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?

These paychecks aren't cutting it. Side hustle ideas?

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?

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Hi Fishes,
Anyone from Cognizant Pune? Need you help..
TIA

As an IT infrastructure i have been tagged un cognizant internal project to support the cognizant owned datacenters VMs and infrastructure.

Can anyone please tell me how is that project in terms of Career growth and learning??

Tips for becoming more independent as you progress from junior to midlevel? I am starting to be put into the position of just having to handle things including drafting and could use some advice from others.

I recently asked everyone’s age filters on dating apps and there were some mentions of fear of baggage and that’s why you don’t date older than X. What baggage are you afraid of? Ex spouses? Kids from prior relationships? What is it?

Anyone ready for NYC gathering?

Where do professionals 30+ meet people these days besides dating apps?!

Anyone looking to do a case prep this weekend via Skype / phone?

Let's say you were dinged without interview in R1 but improved your test score significantly. Anyone have any idea if they may reconsider you for R1 if you sent the new test scores in?

Opinions on the INSEAD-Wharton Alliance?

What are some effective salary negotiation straegies?

Hi all, I’m gonna join pwc ac Bangalore next month. I need your help In knowing the holiday calendar or holidays available in last week of December I.e in between Dec 25th to Dec 31st. To plan my vacation. Please help

Any consulting companies with offices in the Bay Area feel they have a good in-person work culture? Being able to connect with colleagues matters a lot to me and I’m hoping to hear which companies have a strong and connected community out by SF! :)

Bonobos Pants/Jeans? I just bought three jeans from them and a couple of chinos. Fitted well and quality looks good. Any concerns?

What does the “Platforms and Ecosystems” product strategy team do and entail?

Thinking of buying a first property with my SO. Any suggestions on area? criteria: safe and well connected. all wisdom appreciate and welcome!

I am interested in learning data science and excel in that path. Please let me know any opportunities.

Any product managers who wouldn’t mind me DM’ing to ask a few questions? Currently a tech consultant looking to leave consulting and considering PM

Who’s getting a bivalent?

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.

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...

Hi Experts,

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

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

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?

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.

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?

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?

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 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 ?

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

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

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

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.

How t save tax for 9 lpa salary. Can anybody help me out.

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !