Hi Fishes, I am 35 and could invest 62 lakhs (includes pf, ppf, fds, stocks, mf, nps) only till now. I've a 1bhk with 10 lakhs loan remaining ( i dont consider home as asset rather it is an expense/necessity.

First, want to know as per my age, am i doing good?
In 2-3 yrs, i am targeting to achieve 1 cr as my invested amount.

And second, if anyone has given real thought, what is your target networth to achieve FI?

Quick question: Can we ask HR to revise pf contribution to minimum which is 1800/month

Hi,

Where to invest to reduce the taxable income of 8 lakhs after investing 1.5 lakhs under 80c and HRA 1 lakhs ? Medical insurance 50 k I’m aware of it and I don not plan on any house loan. Please suggest.

What are currently the best Canadian credit cards for travelers? Looking for Aeroplan or bonvoy points or companion tickets

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

I’ve recently learned about invoice discounting and want to understand how good or bad is it from short term investment perspective. Is there any other instrument that I can look for apart from stocks or liquid funds?

How much are you all paying for yard work and house help in the bay area? New to the city. New house. And no time to take care of these. But also worried about spending too much

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?

What are some good modern/post-pandemic personal finance books you can recommend?

Is it the worst time to buy real estate because of the interest rates?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

In chamath we trust. This guy prints money. The wave will end eventually but damn it has been good.

I’m considering investing into a special purpose vehicle (SVP) that would invest into a first round capital raise for a cannabis saas company...what are some of the key questions I should ask/consider? The company has already received seed capital from a couple big names.

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

EPOR a solid first option trading choice?

Hello Folks,
Anyone working with Syneos Health. I need an understanding of the Project Data Manager role. is it same as a Clinical Data Manager?

What are the best consulting firms for someone that’s looking to work in the aviation industry? Can be big consulting firms with strong presence in aviation or boutique firms. Preferably commercial strategy type of projects. US based. Thank you!

Looking for job opportunities in data modeling field

Hope everyone has a fun and safe Halloweekend!

I want to watch thugs of hindostan, but I also don’t want to be bored or witness some nationalistic garbage. What’s the movie about and is it good? Why did it get bad reviews?

How much is your firm giving for wfh accomodations?

Currently recruitment in Bangalore for developer

Does any one know about the Persistent system ltd. average appraisal per cycle

Worst on boarding experience for CTS.

What's your favorite thing about being a physician? With all the stress and heavy stuff we deal with, it's nice to reflect on the positives sometimes...

Hi Fishes,

I am a software specialist having 8+ yoe, currently working at Mastek with a CTC of 17lpa. Can anyone help me with the current market CTC considering the below:
Current Role: Tech Lead
Tech Stack: Full Stack in Java, Springboot, Angular, Mobility, AWS beginner.
Your responses will be much appreciated.

For a 3 Year Experienced React Developer shifting from Service based company which is better Comcast or Verizon? Pay wise 1.5 LPA is the difference between two companies. Designation is same. Both have variable pay upto 10%.

Brillio is Hiring !!!

Architect - Amazon Connect
Exp : 10-14 yrs
Location : Bangalore

Architect - GCP
Exp : 10-14 yrs
Location : Bangalore

Technical Specialist - GCP
Exp : 5-6 yrs
Location : Bangalore

Technical Specialist - Jboss/Tomcat
Exp : 6-10 yrs
Location : Bangalore

Production Support - BPUAA
Exp : 6-10 yrs
Location : Bangalore

Database Admin
Exp : 4-6 yrs
Location : Bangalore

Calypso Admin
Exp : 4-7 yrs
Location : Bangalore

Architect - Azure
Exp : 10-14 yrs
Location : Bangalore

How are you doing? Do you have any date to return to the office?

FWIW BCG London are still aggressively hiring for those looking to make a move over here, or switch firms in London

Generalist Senior Associate and Consultant roles and also sector specific specialist roles in Ops, Digital and PE. Feel free to DM if helpful to chat

My mom and dad are separating (bad terms) and not speaking, but my mom asks me about him everyday. She knows I don’t want to talk to him or about him, but continues to bring it up everyday.. I’ve resorted to silence or not responding because I always end up being the bad guy when I get annoyed or don’t want to discuss it. Am I wrong here?

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 Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

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.

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

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

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?

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 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

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

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

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?

Best app to track expenses?

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

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

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

Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

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.