I have an amount of 30 L to invest.
This is purely an investment amount.
Risk quotient is low to medium.
As market is ATH, I am not much inclined towards mutual funds.
Any suggestions for lumpsum investment ?
Already holding FD'S and few mutuak funds and stocks

What do you look for when examining the accounting for a small business stock purchase? Asking for specific types of errors and red flags.

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?

Can anyone share amex Bangalore location?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

What are your thoughts on the marital debt? Do you ever talk about it or ask for the debt to be paid by your spouse?

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Implications of a PE firm selling and a company bringing on a new investment partner?

Desi 🐟 fam - What apps are you using to make payments in India using US credit card?!
I use Wise for money transfers and other payments using debit card but i want to pay with my credit card and wondering if there's an option for that

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

So BDO doesn’t match 401K until 1 year of service..?

Hello,
Does anyone have advice for someone looking to purchase their first investment property? Maybe something you wish you knew before buying yours etc. I’m looking at single families

SNAP - 5/22 $18p, b/e $16.86

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Any suggestions on good books on consulting for reading during holidays

Hi all. I’m a new hire as an associate tech consultant, been here for ~2 weeks.

This week, I’ll be meeting my senior manager (who is also my counsellor) in a 1:1 virtual session. Any tips on specific questions I should ask? I’m meeting him for the first time and thought I might want to learn a lot from him!

Thanks :D

Hey FishBowl Friends, so I’m currently trying to break into tech sales/FinTech and I feel that due to my previous work history, I might not look like the ideal candidate on paper but I’m an extremely fast learner and very coachable. I’ve been a manger at a gym, got my degree in finance, worked as a client advisor at a top 3 auto dealer in the nation and now I’m a project manager at a solar company. I really want something that’s remote and steady, any recommendations on how to spruce myself up?

Anyone know how much CBRE will offer me for senior financial analyst ?

Currently work in dc but want to move to London to be closer to aging grandma. I have a U.K. passport and 6 years experience in public affairs and comms consulting. Any advice for getting a job?

Does anyone know whether AND digital is any good?

Looking to get suits in Bangkok next week - can anyone recommend a spot/describe the process (# of fittings, negotiations, etc.) they went through?

Thoughts on magnani shoes and boots?

I let the shame spiral get the better of me this week. Realized that I wasn’t going to be able to meet a deadline because I’d mismanaged my time and the project was more complex than I though. Rather than admit the mistake and suggest a new deadline, I just kept saying I’d send it tomorrow/later/so on. And then I stayed up basically three days straight working, which has only made me slower and more inefficient. So I’m still not done and now I’m in the pits of anxiety and exhaustion hell. FML.

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

What are the companies I can switch from Eli Lilly? Can I try for product based companies like Amazon and Uber?

Hi guys,
Need some clarifications about offer letter acceptance. What if you accept offer but at last did not join because you got another offer at last moment.? Do companies take any action on this ?

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

Are you all talking to recruiters? What are they saying about the market, signing bonuses, etc.?

Where do you keep your non-library original components in Figma? Do you put them to the side outside of a working frame, within its own “Components” page (like Sketch does for Symbols), or do you keep the original directly inside of one of your layouts?

Hello Fishes,

I currently hold offers from below:
IBM - 15.5 LPA
CTS - 18.5 LPA
PWC India - 16 LPA
Oracle Financial Services Software(OFSS) - 21 LPA

Planning to join OFSS as I will work in product development team and can work in any shift timings with WFH.

Today I had my 2nd round interview with EY GDS and got rejected.
Do I need to worry about this and feel low?
Could EY GDS would have been better instead of OFSS?

Please provide your valuable inputs.

Has anybody availed term insurance policy (ICICI Pru)? Is it really worth taking?
I got married last year, my wife is working and i have a single parent, who is a government servant herself. Seeing a lot of unfortunate scenarios around makes me scared at times and i am giving thoughts to such back-up options these days
Please suggest?

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

Given the current downturn in US markets and specially Cypto, what's your strategy?

Hi fishes

I am planning to start investing in a smallcase. I am considering paid managers. Any suggestions on manger and smallcase will be really helpful

Can one do an sip or increase amount in coffee can portfolio gradually instead of a lumpsum investment?

Any good mf with less tracking error to invest in us equity.

Has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

I am a new investor. Started with Parag Parikh and Tata MFs and LIC IPO.

1. I see that both my MFs are in red - I started investing in Jan. Should I consider adding other MFs? Should I reconsider these 2?
2. Please suggest good tax saving MFs.
3. LIC listing gains and further performance is horrible. How much of gain I can look forward to in another 5yrs?

Thanks in advance!

Hi All. What is the best way to allocate 25 Lakh INR in savings into different investments to maximize returns. I recently moved out of India so Tax rebate is not a consideration for me. I already have 6 lakh plus invested in PF and MFs but I want to invest more as my money is getting depreciated in the savings bank account.

I also have an education loan with balance of 7 lakhs which I am planning to repay in lumpsum as there is no tax exemption now.

From where do we get Form 26AS?

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

Hello Folks,

I am working in a mnc company, It's initial phase of my life I am 25 but I made a huge mistake that I started working in stock market when I was 22 and I lost the whole capital I earned in 3 years which I around 7 lac rupees and Found myself completely devasted and alone.
Now I am working on 13 LPA but I don't know how to accept the defeat and move on. I am completely stuck in the situation and Full with regrets also lost my whole self believe n confidence in life to do some. good.

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

Hi Fishes,

I want to know tax saving options as I am new to it so please let me know in what all options I can invest and save more money. Please help.

Salary : 14 lpa

Hi Sharks
I am 25 years old with in hand salary of 1L(just from last month) and i want to buy a term insurance plan. My questions are:
1. Is it wise to take 2 plans of term insurance one with return of 60 years and another without return of 80 years of each 1cr.
2. Is it wise to include health riders in insurance plan to claim for 80d or just chose health insu
3. How much one can ideally shell out for insurance per month (both term and health) for self in terms of percentage of monthly income.

Catch BPCL Rs.58 dividend with record date of 16th September

Considering the current fall in the equity and crypto market, which would be your go-to stocks / coins?

Could anyone please clarify this?

Is the tax exemption limit (of 25000) under 80DDB for both parents or 25000 for each parent?

So in short - 25K+25K = 50K for Both Parents or is it just 25K for both.

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?