Hi All,

Need some financial advice for retirement, I would like to leave IT world by age of 45, currently my age is 30, M ,married and 2 year old son
Current finance status is
Ctc 28L, in IT industry for 5 years
Savings around 19L, preferred to keep in savings since planning to buy an apartment in Bangalore
Investment 8L in MF under various schemes and have monthly SIP of 10k started 3 months back
Have 1.5L in NPS, 6L in PPF and 4L in EPF. Wifes investment and savings comes around 54L.

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

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.

Has anybody invested in Yamuna gaur city or planning to do so?

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

Any thoughts on why ETH is fluctuating so much?

Do you think someone who owns 200 ETH is financially independent?

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

Would ETH be the next BTC?

Already a market crash? Should we sell? 😱

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Any recommendations for high div stocks with good balance sheets. I’m thinking these could be the best picks in this market with many growth stocks seemingly overvalued

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

What’s the most you would feel comfortable spending on rent in BH/WeHo for a 1bed at $250k TC and no debt?

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

Do all big 4 firms “even out” experienced hire salaries over time?

Are you going to year end Christmas party?

What hours so you work in Transaction Services?

What salary should be expected of a business control role in Citadel securities, working under CFO/CRO office in NYC. With total 10+ YOE.
This role sits directly under enterprise risk head.

@citadel

My wife often calls me by 5:45/6 to ask where I am if I’m not headed home yet. Sometimes she’s stressed with kids/dogs/dinner and really wants me home. This really throws off my concentration because it makes me feel rushed. Like many practices sometimes I’m out at 5:30, other times it’s much later. Just depends and is unpredictable. Any advice on how to approach this?

If we opt for Meal allowance in citi india, how do we get those coupons? Will there sudoxo coupons in card or will there be paper coupons??

Anyone interested in fashion? Stated a clothing brand. Need sales.

Hello Fishes,

I have passed the TR and MR rounds at Cognizant. HR is saying they will schedule today but are not sending invites; this has been going on for a week; what does this mean?

Hello Fishes..

I am a UI designer, looking for opportunities.
YOE- 4+yrs
Location - Hyderabad

Any help is appreciated.

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Brillio has openings in Hyderabad location for Java Fullstack.
Exp- 4yoe
If interested, you can dm

Anyone here have some good leads for sending a colorist reel out? Just cut a new one and recently incorporated. Trying to get the ball rolling for when things pick back.

One of our surgeons is always walking around with a bluetooth headset...not a fan

How much do you pay per month for your vehicles (just car payment)? I pay $782/m for two cars and am trying to gauge what other attorneys are paying.

Are our peoples still loitering in the main singles bowl, or is this just mirroring real life??? The lack of activity here makes me 😢.

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?

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)

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

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)

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.