Hi, 2 Qs:
Q1
My take home is 235k per month. Age 31 with a 6m infant.
Monthly expenses: 50-70k
I have recently increased SIP to 1L: 40k nifty100, 30k small cap, 20k nasdaq100, 10k debt gilt.
Max out ppf/nps every Apr.
Others: Sgb 2L, crypto 2L, fd 2L, insurances covered
don't have risk profile for real estate now.
Is equity too much?

Q2:
Savings: 30L sb
Plan to move 15L into debt liquid mf and 5L into arbitrage.
Rest 10L left in sb for 2nd hand car buy & emergency expenses.
Is the plan ok?

Looking into credit card, most likely between emirates nbd Bonvoy card or the Emirates offering. Anything better out there? What has been your experience. My understanding is you can convert the emirates points to Bonvoy? Not sure if the same works Bonvoy —> emirates.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Other than a Tesla, what make and model has the best acceleration per dollar?

How's the Amazon prime visa card? Any added benefits over the other visa card? Like Chase ones for example

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Why not cancel federal taxes on unemployment compensation? Aren’t a lot of stimmy checks just going to be returned back to the government to pay this tax?

SNAP - 5/22 $18p, b/e $16.86

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?

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Any good book recommendations for profitability and performance management for banking industry? Or books on best practices for calculating economic capital?

Emergency question!! Sending over an invoice to a client. We are both in mass. Do I charge tax on a digital delivery? I did on my last two but now I’m questioning it. Help!

Client's budget is around $300K and would like an apartment on the East Coast / New England. Thoughts on if this is realistic?

Bitcoin about to tank?

What’s the comparable Audi to the bmw 540 and which one (Audi vs BMW) is the best bang for the buck?

3.5 years out of school, 2400 billable hours last year in TRS and just got promoted. what kind of year end compensation should I be expecting? Bonus and new salary

Hey friends, I've been in sales for over ten years in retail/ hospitality.

I'm focusing my efforts to make a switch into tech sales and id like to work for AWS.

I completed a tech sales bootcamp and have purchased a couple books on sales methodology, more so enhancing sales + active listening skills.

If anybody would be willing to chat! I'd love more insight on roles Within AWS tech sales.

Care for a quick dm chat?

After nearly 20 years in the military serving in T&E and HR roles, I’m considering moving on and have been conducting lots of research into consulting. BS, MA, and SPHR cert - no MBA. I’m looking for suggestions or advise about transitioning. DC Metro area is likely landing spot.

Is anyone aware of studies on how safe tented outdoor dining is? Here in LA I’ve been seeing very elaborate renting that basically looks like indoor dining and feel like that defeats the purpose of eating outdoors to reduce transmission.

Does anyone have a couch that they love? Looking to upgrade given how much time I’m spending at home

Hi everyone,

Is unpaid internship in SAP counted as experience

Do you see an increase in ER visits during the holidays? If so why? What is the weirdest story that you are willing to share?

I am a financial analyst and been in finance 6 years. I want a change in career to move to SAP analyst roles, potentially doing SAP certifications as I like problem solving, solutions etc. I am not sure where to start and how to make the change. Any suggestions welcome.

What happens when someone sign an offer letter and decide not to join for some reason like joining a diff company?

Anybody have to take time off for long-covid? How has your HR handled it? I feel like any info I have gotten on FMLA and disability is because I’ve brought it up and have had to follow up multiple times.

Hi everyone,

I wanted to leverage the hive mind in finding out how best to negotiate a verbal offer for a 100%-remote Product Manager role in NYC, with a IT infrastructure/digital services firm (MNC but non-American):

Base salary: 120k

Sign-on bonus:10k

Bonus: 15%

No stock options

How competitive is this, and what should I negotiate for please? The written offer comes after verbal agreement.

I've 10 YOE in tech project management; 7 in product management.

Hi All, I am looking for packages upwards of 150 k, London area, tech consulting or tech. Any pointers to companies where I should apply? Currently am at 120 k.

Does anyone work at at Merrill Lynch as a Life services relationship consultant? Any info on the pay?

I have received an offer from Deloitte UK as a Sr Con.
Any idea how much is the % annual hike in salary and yearly bonus % for AVG and TOP rated candidates in Deloitte UK?

Generally how long are on sites? Are they all on one day’s block? The entire 4 hours?

I had applied in Infosys but the application was rejected after scheduling interview. They said they will but they did not. My ex colleague tried but refer me later but it says another application already exists.
When can I apply again??

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.

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.

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 !

Hi Experts,

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

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)

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

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...

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

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

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.

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

Best app to track expenses?

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

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

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 ?