Hello Fishes,

I am new to the investing world. I have invested some 80k in Nifty fifty index funds. I wanted to increase my investment in other MFs and stocks.

Can you advise how to start it considering short term and long term financial goals.

Short term goals - like for 2-3 years

Long term goals - like for 5-6+ years or more depending upon the performance

I have seen multiple you tube videos but seems to get confused on how to start and which funds to pick.

Thank you!

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finance with sharan masterclass

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He’s not a certified financial advisor 🙅‍♂️

1) Learn to identify good booming business from a futuristic POV and then try to see if there are stocks in that sector which have a) good growth prospects b) stable cash flow c) able and non corrupt management.

2) Then invest prudently, slowly and steadily in them over a time

Irony is everyone wants to learn Step 1 quickly and almost never wish to follow Step 2

On your question - invest periodically amounts ,which you don't need immediately, in ETFs and FDs for 2-4 years for having some capital gains after 3-5 years.
But for long term need to have vision, conviction and patience in investing (even if you fail/lose money in 40% of such investments, only 20% among the rest are enough to give you huge gains)

Pro tip : Unless you don't have any time to study and invest ,don't go for MFs (most of them will have lower returns than PPF and even Fds@7 per cent interest)

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Don't you get insider news at credit Suisse? 😂😂

Unfortunately no

5-6 years are not long term in stock market,

One advice , do your research yourself or learn this instead of following someone’s advice blindly

long term is PPF and NPS.

I am in job from last 9 years and can tell you, go make a strong safety net first before taking big risk

1 ) starting mae salary will be less, still make sure you investment in pf plus vpf is 2.5 lakhs ( talking of employee contribution part)

2) undoubtedly put 1.5 lakhs in Ppf and 50 k in nps

This will give u straight away 4.5 lakhs of saving per year and after 10 years when principles amount only will be 45 lakhs , imagine the tax free interest

Just do not wait to enter into 30 percent tax bracket
Before u realise tax will be significant across your carreer in later year

Vpf is part of 80c

Check if your complany allow vpf

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Additional Posts in Stock market discussion

Nifty reaching ATH but portfolio still at low 🥲

This bowl is for discussion , not for selling webinar or paid tips. One can share there experience which can help or guide others.

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What stocks are you adding in this dip.

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Dow is looking strong for short term. Any views ??

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We all know how inflation can derail our Retirement Planning dreams!!Though it's better to start investing as early as possible,but HEY, all is not lost even if you start little late. We all have our family responsibilities when we start our career, so "INVESTING FOR SELF" takes a back seat.
Just a perspective, even if someone at the age of 45 years starts investin for his retirement, he can decently manage the same with discipline and regular investing.
Happy to discuss with anyone on this!!

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

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How much you made this month?

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