Hi folks,

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

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Which bank account is better for salary account?

HDFC
Axis

Thoughts on investing in FTT FTX? It’s available on Kucoin

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.

Crypto investors - what is the future outlook for you?

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

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.

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

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

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

How much money do you have saved up?😳

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

How low were you able to get your student loan payments? I plan to pay as fast as I can, but I want the option for as low as possible for house buying purposes.

These “Financial gurus” on Bloomberg, MSN, FOX money etc just puss me off every time they open their mouth to bash cryptos. 2 days later they are always wrong... they should just STFU and realize...

Not sure how I feel about this #DeleteCoinbase movement...perspectives?

Top DeFi coin recommendations?

Can anyone refer me for assurance profile?

can anyone recommend recruiters that work with agency production jobs?

How can you gauge whether a LMM pe shop with limited past employees has a good culture or not? I’m interviews with a few but feel like I have no clue if itll be sweaty, chill, etc. What questions can I ask to get insight into this?

Does EY provide tuition reimbursement / MBA sponsorship? I know Deloitte has GSAP, but I wasn’t sure if EY has something similar. If so, what are the requirements?

Hi! Does anybody happen to know if Apple offices are dog-friendly? Specifically the Culver City office and Apple Park. Thank you!

What is caregiver leave in bny ? How to opt for caregiver leave? Any medical proof required for the same?

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)

Any product managers who wouldn’t mind me DM’ing to ask a few questions? Currently a tech consultant looking to leave consulting and considering PM

What kind of resources are useful to prepare for Alixpartners online assessment? Any insights are appreciated. Thanks

What books would you recommend for someone wanting to get better at sales?

What’s the latest and greatest for resource management tools? :)

Small law firm in Westchester, NY looking to bring on 2 associates (1 litigation 1 transactional). having difficulty finding the right candidates and interested in engaging a recruiter. Just looking for some direction or recommendations. Appreciate any guidance- thank you,

Have any American Producers ever successfully been able to freelance abroad (London or Amsterdam)? Any advice?

Things are apparently going to get better after a client will be leaving, I’ll get to work on different brands but I am feeling pretty burnt out from the agency I’m at. Will new clients help? Or should I look elsewhere. Been at the agency almost 3 years, I feel like I need to switch things up for my sanity.

I need to open a bottle from my collection of something I've never had yet and write a review. I feel like I'm falling behind here.

It's that time...🦃

What's one thing you're super grateful for in your life or career at the moment?

Drop it below! 👇

Hi folks- I had an interview today and even the have read about product sense interviews, I bombed. How does one take mock interviews with peers? Anyone with experience willing to do some mocks to share the feedback? Is there a community out there willing to help out a newbie in tech PM role?

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

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

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?

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.

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.

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.

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.

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?

Hello Sharks,

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

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?

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.

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

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 ?

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 Experts,

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

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

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

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.