I am 35 and my current networth is about 1.85 cr. Still somehow I feel I am not doing good financially. My retirement corpus is 45L, equity exposure is 40L, gold 40L, about 60L in FDs and other debt products.i have an outstanding home loan balance of 45L. Am I doing financially well or still way under the mark for 35?

This is a little embarrassing… I don’t know anything about investing. I come from a low income / immigrant background and never received financial education. Just recently learned the difference between an TR and Roth IRA 😓 I have started to contribute $$ in my 401K. I am 27 and only have like $15K in my Vanguard account feel like I am so behind. Can someone recommend good resource/advise to learn the basics?

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

Are remittances / gift sent from US to India (from post tax money) considered for any tax breaks or deductibles in the US?

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Hi guys!
I am here to request for some support from the community in form of referrals as you may know about all the uncertainties that are prevailing at better mortgage. Any lead would be highly appreciated.

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?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Anyone have a good PE specialist financial advisor?

I want a BMW X3, should I buy outright or finance? What is the most reasonable amount I should expect to spend on a 2020 model?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

SOL vs ETH 2.0?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

Is there a way to get closer to the 58000 total contribution limits in a 401k after initial contributions up the 19500 limit? My employer match isn’t great but I’ve maxed out my contributions this year and they’ve only added an additional 1500 so I’ll be at 21k total in the account for the year. How can I get more in there to bridge that 37k gap? Or can I?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

first time freelancer here - should I make a second bank account or do anything special to track income for taxes? or just pay estimated taxes quarterly and square up during tax season?

Any good books to help get you up to speed on real estate finance matters?

Planning to buy home. What are the legal services i can enlist from hyatt legal. Do they cover title check, contract review. Trying to see how much legal expenses i can save by using hyatt legal.

Hi! About to join a PE consulting firm but don't have an extensive experience in doing CDD. Any good books /online courses with some practical examples that you'd recommend to get upto speed?

TIA!

I’ve heard electric cars aren’t actually as clean as they make them out to be since the electricity they use is still being produced by coal-powered plants. To what extent is this true? Is the reduced environmental impact worth the investment at this point in their development?

Considering a role in Citi advertised as being in Charlotte NC. Is Citi largely remote or will the expectation be to move?

Book recommendations for Experimentation (for a noob)

Did anyone left coforge recently? I have to leave by next week, and company asked to courier their laptop back to office.

Hi Fishes, Can someone refer me, have the job id with me?
Thanks

Can anyone explain the Chubb underwriting associate training? Is it in person or hybrid? Interview process? Looking to make a transition from education.

If you have to schedule multiple 1:1s between your exec and other execs, what process for scheduling do you use? Do you send individual emails to each exec’s AA/EA with availability included or do you send a mass email to all the needed AAs/EAs with availability included?

Over the last couple of months I’ve interviewed for a number of jobs and made it to second and third round interviews but never got an offer. My last interview was on Monday and I got feedback that I did not get selected because it did not seem like I was a a team player. Ive got three interviews coming up and l am wondering how I can improve my chances of getting an offer. Any ideas are welcome. I need a new job like yesterday.

Hi everyone,
I relocated with my family to Ireland recently, one month ago, and while I got a lot of screening calls with recruiters, I did not hear back from any of them after our interview. I am still on the process of getting my work permit and I am very clear about this during the interviews, but I suspect that this is the reason why I am not getting any call back. Any tips on the first screening call with recruiters? Should I touch base with them after our interviews?

Doed anyone have details of what was discussed in GDS webcast(EY Split) for TAX?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

EY fish - can anyone of you please share INSZOOM link? Currently traveling and need to access it. I don’t have access to EY laptop

Anyone know if deloitte allows part time CPT? My full time CPT ends in May and been emailing immigration but no response.

I'm looking to make the jump into tech but I've got an Advertising background. Is it possible? Looking for a referral.

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 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

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?

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)

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

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

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?

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 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.

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)

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.

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

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 am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide