Hi Fishes,
I have started my investment journey from 2022. And every month I have been investing somewhere around 80k to 1L. I never tried to time the market and 80% of my money in MF (Large + Mid + Small + FOF + Debt). I want to achieve 1Crore. I have couple of questions.
1. Should I buy a flat now by liquidating some of my investments?
2. Should I invest 2,3 more years and then buy the flat? As currently I am staying in rent & paying around 30k in Bangalore.
Tata consultancy services (tcs) Oracle Infosys Cognizant

Best books on business/ negotiation/ leadership you have ever read (and use practically)!?

How does your firm measure utilization? I work for a small boutique that defines it as utilization = number of billable hours/2,080 and full bonus payout occurs at 80% plus.

Any recs for CIPM study books?

I have been in Risk Advisory for about 5 years but I have been feeling extremely bored with the work and I am currently contemplating my next career move. What are realistic career opportunities for me excluding technical accounting, internal audit and compliance? Would obtaining an MBA help my career prospects?

Just had to go to thesaurus dot com to look up synonyms for “exciting”. I think I need a vacation….

Can i get an amen?!

are you satisfied with your job? why?

What might be the salary and position expected for the person with 9+years of experience and lateral hiring? Please help as I need to discuss with HR on my postion and salary today

Could you help on TCS UK Onsite salary for C3A. Do we get part of indian salary also. Whether onsite salary depends on grade..

By when do we get relieving letter, my LWD was today ( 21 OCT).

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...

SO excited about the new iPhone 14! I currently own an 11 Pro Max and never really upgraded because this one was still fine, but I feel like I want something newer. Has anyone purchased the 14 yet?

“There are so many layers of Daddy. Book coming soon. How to get one, how to be one, how to keep one!”

I feel so dumb for not knowing this answer, but what is the difference between Rule 14, Third party Complaint and Rule 20, permissive jointer? My client, defendant has an indemnity agreement with an entity that is not named in the suit and we want to bring them into the case.

Can we purchase alto , requirement not big car just to be in Bangalore so that me and my wife both can drive. Any suggestion

Have you used go education or other screen capture software?

Hi folks , what’s the salary range for Wipro Europe development centre (iDeas D&C) for B3 level Sr consultant ?

I have got an addendum letter from Wipro today stating that my date of Joining has been extended by 45 days. My joining was in mid August. I have 2 options to Accept or Reject the addendum.
Can i reject the addendum, how will it impact if I reject it ?

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?

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?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

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.

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

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)

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 folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

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.

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?

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

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

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.

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

Best app to track expenses?

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 !

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?