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.

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

Adverse selection is a huge issue in trading. You never have perfect information and your decision won’t be perfect for the outcome. This usually means you’re too small in winners and too large in losers.

As markets crash we’re seeing something similar. People are ignoring bad outcomes when they should be working that much harder to protect previous gains and find new ideas. Lower traffic in this thread is a symptom of this phenomenon. Don’t quit just as the value of incremental effort ramps.

Will I be overpaying, if I get a 2017 Lexus RX350 AWD with 49.5 K miles on it for 32K out of door from a dealership near me? This is my first time buying a used car and also anything outside of a Honda. All insights are appreciated.

Hey fishes, i need advice as to how to invest 200k? Should i go for individual stocks or funds or should i go to financial advisor? If individual stocks then looking for sectors. Can i invest as a VC? Any thoughts or direction please

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

https://yieldnodes.com?a=kR0zejgYmyoDrVm

Make 6-8% monthly passively

Yieldnodes is a server rental program, NOT a trading investment. It is not related to trading cryptos or currencies in any way.Participants' funds are used to set up servers that operate as masternodes and to stake small volume coins which allow those servers to partake in crypto network activities and generate more coins. The proceeds are shared 85% to participants and 15% to the program (the rental payment).

What’s your end game with angel investing? Actually generate a return? Bragging rights? Learning?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Are consultants at MBB allowed to trade individual stocks? Or are they limited to mutual funds only? For example, can someone at McKinsey buy AAPL?

If I had a realized capital loss in stock last year can I use that to neutralize any realized crypto gains this year ?

Do we have 4 wheeler loan assistance in Lilly ?
How does it work??

Can I pay income tax challan using credit card?

Has anyone negotiated a 401k match to begin immediately? I have a great offer but a 1 year wait. I’m super focused on building retirement and really don’t want to wait for a match.

Stock market is like life, full of ups and downs.
In the hope of market going down maybe not to the March lows but close enough for me to buy.

Is it better to rent or buy a car? Can you share as well some price estimates if I rent or buy? TIA!!! 😊

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

Senate hearings on crypto at 10:00am followed by the launch of the world’s largest rocket at 1:30pm by spaceX. Coincidence? I think not! To the moon we go 🚀🚀🚀

Controversial question - what are some roles/functions to avoid at Google for ex-management consultants, in terms of potential under-utilization of skills and limited career progression? Common exit opps tend to be in StratOps, PMM, PgM/Solutions Consultant, roles in Sales; would anyone not recommend any of these roles?

Hi fishes, I would like to know what is the scope of a non tech background person In Data Science and analytics in India?

Hi everyone, I'm a fresher with a 6 months experience in analytics. Could anyone refer me for any analytics vacancies in your organisations ?

My skills : Python, SQL, Tableau, PowerBI, Adobe Analytics, Microstrategy, ML

How do you deal with a child who will pee on themselves for the attention? I have a student who does this two-three times a week. I have never experienced his before, and not sure what to do.

Hi Fishes, need some info
1. What is the payband for C10 in MRM team?
2. What is the current hybrid model looking like?
3. What is the expected bonus % payout for C10?

Anyone who moved from NY/NJ to Seattle? I had some questions about how you feel about your move and transition.

Is group me itni Shanti kyun rahti hai bhai .. koi bhi reply nahi krta ...

Hi coders,

I'm looking for a job change as a Dot Net Developer with 4 years of experience.

I find myself not wanting to put the extra time in at the office, especially after traveling for depositions and court appearances. Any one else?

I'm looking for someplace open late where I can go and write on my laptop. Like tryst used to be, but now they're closed at 9. I don't need wifi.

What are the career levels (or hierarchy) in Mindtree for technology people starting from fresher to higer management?

Is there any difference in the interview process (including evaluation) for generalist vs. specialist positions at McKinsey right now?

Best fall vacation destinations on a biglaw budget?

Partners - absent the paycheck, do you enjoy your job? Regardless of yes/no, did you enjoy the path to getting there? If you didn't, what convinced you to keep going at it?

Any company (consulting or others) still sponsoring h1b visa or green card for new hires?

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

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 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

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, 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

Can any one tell me, how to invest in quant mutual fund through it's website?

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 ?

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.

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

Hi Experts,

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

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

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?

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

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

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,

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)

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...