I am a 30 year old IIM graduate. I have 6 years of total work ex.

I have only saved 40 lakhs until now. I scrolled across this group and people are already posting that they have saved a crore at this age. How is this possible? How did they achieve this? Am I lagging in life? My salary was decent only all this time.

likefunnyhelpfulupliftingsmart
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At 30 you have 40L saving I'm 31 and I don't even have 10L saving. You are way ahead for your age, abhi me tere sath compare karega to rat ko so bhi nahi paega. Don't compare with anyone, grass is always greener on other side.

likefunnyhelpfulupliftingsmart

6.5 yoe with 2 lacs saving 🥲

likefunny

32 yr old.
MF: 8 lac
Stocks: 2.5 lac
PF : 15 lac
FD 15 lac
Gold: 2.5 lac
PPF: 2 lac
Nps: 3 lac
Flat nr to Mumbai, having loan pending amount 30 lac.
Any thoughts?
I guess I am saving less than guys of my age.

likefunnysmartupliftinghelpful

What are some of the best MFs to invest right now?

Recent IconRecent

This 40 lakhs savings figure at 30 gave me goosebumps ! Are you saying you have 40 lakhs in savings account or is it cumulative of Gold+Assets+PF account+Hard cash

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Proud of you. Likhana jaruri hai...

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My brother in law is in Merchant Navy. He saved hell lot of money in past 7 years. Already opened two restaurants in Chandigarh and Delhi.

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To kya kare ham ?

My age is around 30. I am massively overweight. I have a private jet. Around 20 maids at-home. We have a cinema theatre at home as well. I am the MD of my father's company. Recently got married to a hot chick. She married me bcz I am a good person not because of my father money.
My mom was a film star back in days.
We have a big house in bombay with a shitty design. My uncle in bankrupt.
My surname is Ambani.
Am I doing okay in life ?

I think I am not good enough.

funnylike

35 years old
6 lakh in equity
66 lakh home loan flat value approx 1.6 cr
1 lakh liquid
I don’t want any loan but parents are pressuring to have atleast 1 house where you are working
Stressed due to emi

like

Oh. That's big number for me. 😕

Let me reveal mine . Age 29 I have 41.5 Lac (all In banks and FD) which excludes pf . If I include pf then i have 50 lac at age of 29 and I also have a Harley Davidson too. Planning to buy a car after I reach 50 lacs savings of FD

likefunny

@PWC4 by investing in T-bills, T-Bonds, etc.

My numbers are so bad..I can't even put them here..
I just know one thing its never late to start something good..
Age - 33
YOE - 12

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Going through comments again and again from past 2 days just to find comments like these to calm myself down.

How money can define someone's happiness!!!
There were people with more money are sad and people with less money were happy... everything is depends on our mindset !!! Live happily with what you have becoz ur already living someone's dream life.

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You guys have savings

Post Photo
funnysmart

36Y,M--3CR approx invested
30L-EPF
7L-NPS
3L-PPF
10L -ULIPs
10L-MFs and stocks
50L-Gold
Own Home(Bangalore)
4 rental properties each fetching 10k
7 plots(includes commercial plots for future)
1 farm land(future layout)
10L-startup investments.
Aifs-10L

Home loan and car loan running

Peace

like

Really wonderful portfolio!!
Can u share you CTC and tech stack pls ?

Am 38, married have kid, no home, only car - bought 9 years ago ( pressure from family to buy new car around 15-20 lacs so my corpus would reduce). Another pressure now a days to get home loan.
My wife would support with 40 lacs (her salary is around 10 lpa conscious choice to get time as she takes care of house n family. she saves 80% as I do all household expenses).
Got 2 sisters married in last 10 years. Spent huge chunk of money there (around 25-30)
Father got house and some land in hometown.
Living a comfortable life now with God’s grace with domestic and international travels every year. I do trekking and some running. Enjoy time with friends and family. I don’t have a huge corpus than few others posting crores but I know am well ahead many others. Idea is to live life and enjoy and trying to save for my retirement.

For retirement, illiquid investments
PF ~ 20 lacs
EPF 3 lacs
NPS 5 lacs

Liquid money
Stocks 33 lacs
Mutual fund 18 lacs
US stock 3.5 lacs
FD 2 lacs
Total ~ 56.5 lacs
Crypto 3.5 lacs is junk now

like

7-8% crypto me daal k chutiya katwaliya

31 F
MF’s 25L
Equity (Indian) 18L
Equity (esops) 5L
FD 9L
CD 4L
EPF 21L
Gold (SGB+physical) 41L
Cash + Savings 7L
Crypto 0.4L

PS: me and my husband’s combined portfolio , I manage all our money.

likehelpful

I'm 33M. I moved to Dubai for my new job about 18 months ago. I kept my Indian portfolio intact while also started diversifying into the UAE and US stocks since Dubai offers tax free investing into global markets. Becoming an NRI helps build wealth faster and also being in a tax free country has an added advantage.

I feel the next evolution to your investing journey should be to protect your wealth from taxation. Start thinking and planning in that direction.

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I've only saved 50Rs which I found in my cupboard..

funnylike

Same here

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I am 30 years old and have saved only 9 lakhs till now. After reading your post having FOMO.

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IIM grad ho I am sure you have the required skills to start an online business as you already have the capital. What’s stopping you buddy?

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IIM graduate and still earning 25LPA bro that's peanuts for experienced IIM graduate

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40l invested in equity

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Simple si there are two types of comments..ek hi zindagi h itna kyu save krna.... easily luxury buy kro like iPhones..xuv700 car or nike jordan on emi..other side is focus on Savings and making property pe property without living a life in adult jese kabhi marege nhi...ideal should be the balance of both..if u r doing it ..u r good to go in life

like

I have 31 lacs saving. But 2 home loans.
My age is 35. Am I doing good 😊. If I sell one flat, my both the loans will be closed.

like

Indmoney it used to be very good but now most of the automatic tracking features don't work 😞 so i update it once every month

I gave the interview in xyz bank and shortlisted for the same ..after 1 month bank HR is not receiving call and not shared the offer letter what to do? And consultancy hr is saying your profile is on hold..

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Ooh bhai ...itna sochega to khana pina Sona dur ki baat h , saans bhi nhi le payega...zindagi jio or jeene do...aise bhi log h jo abhi layoff hue ..unke hisaab se to ye shukar mnao naukri h....aise to Ambani ,adani bhi h duniya me...kis kis ki saving dekhega 😂🤠

like

We born naked and we die naked. In between birth n death, we have only this life to enjoy. So enjoy every moment of life to the fullest. I struggles to reach my place today and I will let my son/daughter to do the same, that’s called life, then they will learn the survival skill which is most important. Dont waste ur time by saving, just carry on good health insurance and spend as much as possible to enjoy the life. We work so hard to earn n enjoy , not only to save.

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