Hello Fishes,
I have around 3 lakh. I want to invest it for 3-5 years time horizon. Could you please suggest me correct split in different asset classes. Your valuable suggestions would be really helpful for me.

Note: I already have a emergency fund of 6 months in FD. 70% of my portfolio in equity market.

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

Anyone else catch Tesla today? After months of no trading and waiting for the right time I had 10 700c I bought Friday at $695 a piece and exited at 4K a piece for a profit of 33K. Time to stay composed and wait for the next high conviction setup

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

Is it worth it to buy a multi-family home to rent out?

Huge btc short position in market right now, I expect a lot of liquidity issues to come to light soon. Bitcoin should end up below 30k and stay there as new resistance soon. You all doubt my previous posts but all these bumps to 37-39k are fake bounces from retail buying the dip. Defi is gonna unravel. Do you honestly believe the 10-40% defi interest rates were risk free. It’s all paid by stablecoin printing backed by the assumption that crypto prices would keep appreciating

Does anyone know what this means?
"Can anyone, other than you, claim a homestead interest in the property that will secure repayment of the loan?"
My spouse and I are applying for the loan and would like to be on the title.

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

What's a reasonable average amount for basic cost living in LA (housing, food, transport, phone, internet..) for more context : single, would like to live in an independent studio in a nice area.

Thinking about buying a house in La Mirada and start a family soon. Any thoughts on La Mirada area?

Hi fishes,

My CTC is around 12 lpa per annum. How can i avail max tax benefits?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Are there any debt consolidation options for a professional family man with a decent credit score, who's let high interest credit card debt get out of hand? I get the mailers that entice with a low advertised rate, and then the offer comes back at something slightly less than what I am already paying. I am thinking something along the lines of a bank that I can talk to, and explain exactly where the money is going, not being apposed to a direct deposit to the card companies themselves.

Best money-tracking app out there? I've heard good things about mint???? 🤔💸🤔💸

First time building Roth IRA account. Stocks you think I should add?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Fine day for crypto!

Hi everyone, any tips for resignation letters, who to meet/tell first, what to do before your last day (i.e. anything adulty like 401K or healthcare)? Any insights would be greatly appreciated!

Investment gurus - Appreciate pointers for resources (books, blogs, videos etc.) to read up on investment strategies. Just getting started and could use all the help. 🙏

Anyone live at The Grove in Chelsea or Sky apts near Hell’s Kitchen? Have temp housing options there for work and trying to decide.

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

Can someone recommend a good photographer for headshots? I’ve tried two so far with mixed results. Don’t really like the final product and most are not great for a professional setting.

Hello fishes,
I am currently working as project manager / scrum master in one of leading Indian MNC. Can someone please refer me in your company. Would share the profile in case you can. Please let me know the company name as well.

Is there any room to negotiate pay rates with state hospitals that have set rates based on level of experience? Also what are the pros and cons of working for state teaching hospitals?

Hi fishes any one from Commonwealth Bank of Australia

What would you do?
My company contracts a web developer, we have a set amount of hours for the quarter and pay over if more work is needed.
He never gets anything done. Doesn’t answer emails half the time. The one thing he’s done was take out a blurb that threatened our eligibility for patent renewal.
We have another company taking over in January, but I still have some pretty important dev needs until then and I can’t get him to do a thing. I truly try to give him all he needs.

Anyone interested in being a tennis buddy with a beginner in NJ? I’d like to learn to play but don’t know where to start.

Anyone living out in Eastern Long Island and wanting to play tennis? Let me know, maybe we can schedule something.

Hi Guys,

I have an offer from JPMC of 27 lacs Fixed and HR round pending for Morgan Stanely Bangalore.
How much should I ask?
YOE:7 Yrs, Stack: Scala Spark

Also which is better JP or MS? I heard rumours about Job security issues at MS. TIA

Hey Fishes !

Temporary accommodation in west Drayton vs Brentford (along A4 highway)?

Any thing to be warned about while making a choice ?

Hello,
I have total 5 YOE
Relevant YOE-3.5 yrs (Project Management)
Experience- Project Management, MS project, Ms excel, powerpoint,VBA, SharePoint, Power apps, Tableau (no pmp certified)

What payscale we can expect ?

First performance review coming up. Any advice on how to get the most out of it?

Anyone know of United status challenges going around? Going to be doing extremely heavy duty international flights so a challenge would be great

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 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)

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.

Best app to track expenses?

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 ?

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

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?

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?

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?

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?

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.

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

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

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

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 it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.