How much saving you have till now i need motivation please
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Here are some awesome apps for investment:-
1.Groww
All in one app- investment in Mutual funds,stocks,IPO,FD,Gold.
Link:- https://app.groww.in/v3cO/61bcf14
2. Cred
For managing all credit cards at one place. Think as someone is paying you for your credit card bills.
Link:- https://app.cred.club/spQx/ce090339
3.INDMoney
Invest in foreign stocks and efts. As you need to diversify your portfolio.
Link:-https://indmoney.onelink.me/RmHC/9cb8da54
4.WazirX
Its my favourite for crypto investments.
Link:-https://wazirx.com/invite/j9kk5ted
5.12%club
For parking your emergency funds and getting 12% p.a is exceptionally good.
Link:-https://twelveclub.onelink.me/2Cmd/25922c
Never put all eggs in one basket.
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I am working in Accenture as level 7 manager and got offer from Deloitte india as Program manager. Think that if I am not compramise with my designation in Deloitte. Please help me and advise. Accenture ATCI technology level 7 manager vs Deloitte india Manager - Enterprise architect/Technical Program manager.Deloitte Accenture India
Here are some awesome apps for investment:-
1.Groww
All in one app- investment in Mutual funds,stocks,IPO,FD,Gold.
Link:- https://app.groww.in/v3cO/61bcf14
2. Cred
For managing all credit cards at one place. Think as someone is paying you for your credit card bills.
Link:- https://app.cred.club/spQx/ce090339
3.INDMoney
Invest in foreign stocks and efts. As you need to diversify your portfolio.
Link:-https://indmoney.onelink.me/RmHC/9cb8da54
4.WazirX
Its my favourite for crypto investments.
Link:-https://wazirx.com/invite/j9kk5ted
5.12%club
For parking your emergency funds and getting 12% p.a is exceptionally good.
Link:-https://twelveclub.onelink.me/2Cmd/25922c
Never put all eggs in one basket.
How hard is the path from lit to GC?
Additional Posts in Offer Negotiations
My current CTC 13 lpa/8 YOE, Python developer. Im selected for TCS, i told expected 25 lpa, she told we can give max 19 lpa, i told i have to think, she cut call, next day she told to join call to take screenshot with ID. It's been a week, they didn't send CTC break up, status is "evaluation in progress". They rejected me? Can I expect offer? TIA Tata Consultancy
Hello.. i have 6 years of experience in frontend development. I have offer of 27.5 from Nagarro (client to be decided yet) and 30 from HCL Technologies (apple client and work location also apple) and 26 from Netcracker Technology Corp. maybe with some joining bonus. Which do you think I should join.
I got a call from DXC for senior Java developer position in Bucharest (Romania). They have mentioned a pay scale of 17k to 18k RON per month after tax cutting
If i got selected I am planning to move with my family.
Will there be any savings and what would be cost of living for a 3 member family there.
Just
DXC Technology
Hello Fishes, I have cleared both Technical and Manager rounds in Infosys. I have total experience of 3 years and relevant experience of 2.9 years in Java Full stack development. Currently holding an offer of 13LPA and ctc is 7.8 LPA.
Please help me regarding how much ctc I can expect/ask from Infy?
Thanks in advance.!
Infosys Tata Consultancy Cognizant
Hi.. I am having experience around 2 years in Tata Consultancy The package is not close to 4lpa Is there any chance that i can ask for a revised CTC ( or digital package) if yes, to whom should I approach and what is the process Thank you in advance!
Exp 2yr
CTC around 4lpa
Stack Java spring boot, angular js,MySQL.
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YOE - 8.5
CCTC - 25L
Portfolio - 1.25cr.
2 storey building in tier -2 city, constructed thru savings only. - 50L
Mutual Funds + Stocks - 20L
PF+ NPS - 10L
Liquid - 30L
Gold + sgb - 10L
Investments in business - 5L
Debt - 0
Been to onsite for couple of years to Europe that maximized my savings.
For MF tracking I use GROW app, but I'll do.any transactionas directly on the respective MF house website. Stocks - ICICI Direct.
I've 8 YOE. Had my Personal Loans settled recently.
I had been deeper in debt for quite a lot of years but now I don't owe any money to nobody.
Zero balance is better than minus balance.
Chief
Debt in credit card and personal are disaster.
Me 7 YOE,
Getting 18LPA
Purchased a flat of 94L(Sold all stocks I owned + Closed some MF & FDs to generate 20L for flat puchase)
Paying 69L home loan
10L in savings(PPF + EPF + MF + Savings Account)
😐😐
@tech mahindra 1 at 8 YOE people are getting around 24-26lpa in mahindra I think they should raise it for you this year or else you should plan an exit
Pro
Please don't ask such Pro, Max, Ultra, ++ legendary level questions.
Am getting a heart attack here 😭 lakh 2 lakh mutual fund me save kar ke i was thinking apun hi idhar ka bhagwan h but the reality hits on another level on this app 🤣😂
Acha toh mere aur bhi bhailog hai 🫡
YOE: 13 years
CTC: Underpaid as per my experience
Visited all the states in India except Kashmir, Ladakh, Karnataka and Andhra Pradesh.
Visited Australia(onsite), Europe(onsite), Malaysia, Thailand, Indonesia and Middle East by my expenses.
I have around 5 lakhs in my Bank account, 3 lakhs in stocks and mutual funds, drive a 2011 Ford Fiesta', 2 kids studying in DPS. Have a Royal Enfield Classic 350.
This is my earnings so far.
It totally depends on how you would like to live your life and what is the definition of savings for you. Don't go with anybody's advice or lifestyle(not even mine).
Set your priorities, save around 20% of your income, spend the rest depending on your needs, not wants. Saving is a long term process and put them where they can be compounded.
Live your life. We usually get one.
Cheers!!!
Bang on.. loved your response.. 🙂 We never know whether we are going to see tomorrow's sunrise..at least the pandemic has shown that phase.. so better save something for emergencies and live your moments with your dear one..
Started Career : Jan 2021
Yoe : 1.10 yrs
Savings as of now :
6 Lakh MF
2 Lakh PF
1.1 Lakh Crypto
50k Gold
Started with 5.5 lpa in Jan 2021
Revised Salary for same role 6.25 lpa in Oct 2021
Salary after Promotion 8 lpa in Jan 2022
Revised Salary promoted role 9.5 lpa April 2022
Salary After Switch : 22 lpa Nov 2022
Will try to increase the saving from this month onwards with tax saving options.
Starting with 50k NPS, Home Loan.
Planning to invest in Real State and bonds.
Ps. Start investing as they say it is never too late but at the same time, keep money aside for your dreams, needs, term insurance, Good health insurance, skills as these things are equally or higher importance than investment itself.
Pro
Kuch log jo jvm ar jdk ka difference hi tyari krte rah gye interview k liye toh package bhi waise hi milega bhai, kisi gand jale toh jale.
Dikkat yeh hai ki paisa sbko chahiye lekin Kuch extra ya naya krne bol do krne toh gand fat ja rhi logo ki. Toh aise kaise chalega munna.
Bahar niklo dekho thora kya ho rha, kast kroge nhi lekin chahiye sb kuch. Sb ghar bna rakhe hai company ko, 8 saal 10 saal se wahi hai, same kaam kiye ja rhe toh salary bhi experience ke equal hi milega phir dusre ka dekhke fake hi lgta hai.
Asan hota toh sb kr lete, saturday ar sunday ko log netflix chill binge watch ye wo laura lausan krte hai, baaki jo padh rhe wo netflix kharab nhi lgta hai bss unka choice alag hai #farkHai.
Started job in Jan 21 at 6.5 LPA
Currently at 9.2 LPA since 6 months
Saved around 8 lakh as of now - 6 lakhs invested, 2 lakhs in bank account
Naah bro, have a family in future. Live like a man not like a wuss.
YOE: 6
CTC: 12.86 LPA
Portfolio:
Total: 56L
Equity: 2% (waiting for a crash)
Debt funds and bonds: 98%
One day will come..don’t worry your portfolio becomes z.. someone watching you 👊🏻
bhai shadi ke liye rista bata de achi ladki ka mai saving bataunga usko 😅😅
ladki kanjuss hoti ha bahut saving hoti ha unke pass
Yoe 10
CTC - 45
SGB -10
MF- 17
FLAT- 90( 53 TO PAY)
CASH + SAVING - 12
What's your in-hand salary after all deductions?
Started as an Associate at ZS
Exp 10 yrs
Savings:
House: 70L
Plot: 15L
Gold: 5L
PPF: 13L
Mutual Fund + Shares: 10L
EPF+Gratuity: 15L
Savings A/C: 5L
Don’t have any loan
What’s the cctc?
Chief
In 2020 before lock down 5 lpa with 4 yoe exp. Now having 25 lpa with 6 yoe.
Switched 3 companies and took risk of getting out of comfortable zone.
Having saving around 25lakh.
Why are people so mad over purchasing flats🙄. Rent a good apartment and just create assets, invest. Have an emergency fund, create multiple income streams and then purchase a flat.
Keep waiting for the better asset classes to give returns and in the meanwhile property rates will skyrocket. Buy now and close the loan within 5 years. Save some till then and maximise savings afterwards. This way you have a home in case of a rainy day.
Now I am demotivated to see comments 🤐
9yrs exp only 10lakh saving.
5 years exp 3L savings including all investments
YOE: 14 Years
Equity: 22 L
MF: 16 L
FD: 35 L
PPF : 11 L
FLAT : 85 L
Loan : 0
Started with CTC 2.2 LPA
Current CTC 44 LPA
Number of company change in 14 years 4
Tech stack u are currently working?
Rising Star
Sabke package aur saving dekh kar mujhe anxiety feel ho raha hai bhai...
Don't think about it ,,some had inherited own house ,or parents that earn on thier own ,so they can save and spend only for them ,,for people who have parents depend on them and other expenses it's a bit difficult to do savings per se ,,,it depends which side you're on
My salary is netting off with the expenses. What's left to save or invest? 😂😂 #underpaid
As far as audit is concerned, yes we are being under paid with the market as well as other big 4
15 YOE, Savings - 85-90L, zero debt, but no assets either
50% in Equity
25% FDs
25% liquid
I actively manage my portfolio, last year was good, made 20% profit, not so good this year so far, I expect a drawdown upto 15%
YOE: 8 years
CTC: 45 LPA
Started saving from mid 2017
MF: 21.5 Lakh
EPF: 3.8 Lakh
Gold : 6Lakh
Bank: 6 Lakh
ULIPs: 16 Lakh
PF: 1 lakh (don't know why I did it)
I spend a lot on gadgets and travelling 😅.
Have travelled almost every part of India and that too more than once.
Travelled to Thailand, Dubai, Abu Dhabi.
But one simple rule I follow is no taking loan.
(bought a car 2 years back around 12 lakh on cash with bank savings only)
I only purchase something on EMI if there is any benefit (offers/discounts on credit cards) and I already have the full amount in my bank to pay anytime.
Does it even matter? A lot of companies stick to 1800 fixed EPF. You can do savings at so many other places this way.
Rising Star
saving kya hota hai bhai?
Rising Star
11 yrs, savings - 49 L 😑
debt - 55 L 😭
Rising Star
11, Cloud Devops, C!sco
Enthusiast
YOE-11, Savings - 63 L (Equity,MF, PPF,EPF only)..
Debt- 2 L in credit cards.
Own house, atleast 10L worth Gold and other real estate inheritance (flat) also there. Compensation pretty bad compared to what kids are getting these days but been a disciplined investor since 2017. Also receive approx 40k pa Dividend income, and expect Dividend to fully cover staple expenses in the next 2 yrs