Fishes, help me out with a minor confusion.

I have been doing SIP of 26K lately, hike is making it 1L

I'm thinking of opting NPS (will take 30k monthly from the corpus/ very high base pay ) and 50K in SIP and use the rest to build my emergency fund and then slowly add a debt component. I can do a 100% equity as well.

Targeting to retire from working under someone in next 15 years.

Other savings to date

MF-11L
EPF-11L
PPF - 3.5L
NPS - 1.5L
Cash - 2.4L

15.5L loans

Please suggest.

My company has asked for investments proofs. Jts feb only and i have upcomming mutual funds sip also. How can i show these upcomming sip investments ?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Taking a personal loan of 20k or more will it affect perm (GC) process?

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

Thoughts on ARK innovation ETF

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

If I contribute to a solo 401k, is the additional profit-sharing contribution (the 25% of compensation after the $19500 contribution) based on my gross income, or is it based on gross income minus expenses? Thank you🙏🏼

Good morning! What auto insurance do you recommend at Bay Area? Just moved here and my State Farm premium almost doubled. Thanks!

What is the *prime* amount of money to bring you happiness?

Applying for Uk visa from overseas- How do I know if I am eligible for IHS loan ( immigration health surcharge) can someone explain this here? Thanks a lot

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

I am new to the professional world, but I am confused about where I put my money once I have collected my emergency funds, I do not want to do trading but want to play a long term goal of investing, some good advice please?

Confirming that the cheapest and fastest way to buy Electra is to transfer LTC to Coinhouse and then convert LTC to BTC

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Anyone have any good alternatives to Panerai Radiomir? Trying to keep my next purchase under $1k

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

Anyone got interesting story or insight on Dalberg? How do they work, the culture, support infrastructure, career.. anything.. thanks! :)

Tailor recommendations around Hell’s Kitchen or Lincoln Center?

Feeling better about myself after reading a 20 year old correction deed to insert "grants to" that had been left out of a quitclaim deed. And I thought *I* was moving too fast and missing stuff 😂

Question!
* Anyone ever feels like when their salary gets credited -> “This figure is disappointing!” vibes *???

Fti 🐠, what is the salary band for a senior director in forensic and litigation consulting?

My wire-house team ($2M production across 2 advisors) is looking to expand. We want to hire a Wealth Management Associate ("WMA") and Client Service Associate ("CSA"). Pay for the WMA is $80k plus discretionary bonus. Pay for the CSA is $50k with discretionary bonus. WMA would be licensed (3-5 years experience) and CSA would be unlicensed with no experience necessary. Any general advice or advice on how to best find candidates would be appreciated.

After you are stealth laid off, other than job search, what do you do? I assume they won’t give you work and even if they do, you can politely decline? How do you feel about you are not progressing anymore and seeing other people progressing in their career? I have no intention to make partner, but still feel a bit stuck not doing that much.

So, you’ve reached the stage of your career where you care more about cashing a fat paycheck than making “creative ads”. You’d rather have the resources and free time to fulfill your creative itch outside of work than try to sell the next big idea to an 28 year old marketing manager with an annual budget of 150k. How do you make the absolute most money as a copywriter while still working a 9-5? Asking for... a... friend?

Hi People, Need some advice. Currently I am in EY India, joined it 7 months back.
Got an offer from Nagarro with 18LPA(17 fixed).
Should i consider switching? Please suggest. YoE-3.6 years. Current CTC- 10.7 Lpa. Tech stack- Java Spring Boot.

What will be the take home salary at HCL Technologies with 23,00,000 CTC (21,70,000 Fixed+ 2,30,000 Variable) considering I invest the entire 1.5 lac for 80(c) and 50k for NPS?
YOE- 8.5 years (NoTech Stack- Consultant role)

Hi All,
I currently have 5.5 Ipa package in LTI working hear from starting of my career having Total 3 years of experience in Data Analytics field. Skills Tableau, SQL, Python. I also have done post graduate deploma in ML and Al from IIIT BANGLORE while working. I have notice period of 3 months. And this will be my first switch.I want to switch in MNC's like TCS, Accenture, Infosys, wipro, Capgemini, Etc. in pune with Tableau and SQL and Python as core skills. Can you please reffer me.

Hi Fishes
I am a TIBCO Developer with 9 YOE. I am looking for switching my skill set to Mulesoft. Is there any company I can apply to and begin my work experience on Mulesoft?

How is Accenture Research vs EY vs PwC vs KPMG

Mostly just here to that it’s tough dealing with time differences for int’l clients... any tips on being appropriately responsive in the evening? I’m ET and the clients are all over Asia and Europe

I’m a first-time prospective lateral likely to get an offer shortly. I just received a lateral questionnaire that requests billable hours, rates, fees collected, etc. for the last three years. Forgive my ignorance but is this normal/standard? Do people actually answer these honestly? One of the reasons I’m leaving my firm is there isn’t enough work in my group so of course my hours are low.

Does anyone know which Publicis office is going to manage the recently won Beiersdorf account?

Is it hard to find job with 1.5yoe ?
Or it is only me.

Has anyone talked to a therapist or professional about being unemployed? At this point I feel like it's making me depressed. Are there other unemployment support groups out there?

Ex CFS or OTS?

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.

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?

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 Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

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

Is there a way to Pay rent via Credit Card without paying the convenience fee?

Hi folks,

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

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.

Feel free to ask any personal finance related questions here, from equity investment to CC offers. There’s nothing called silly questions, we have some excellent peers in the group to answer it.

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 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.

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

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?

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?

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?