I have around 25 Lacs savings. I want to invest it. Can anyone please help me with what all investments I can do.

like
Posting as :
works at
You are currently posting as works at

When markets go down you can put them in Index funds as you've little to no idea of investment instruments. Don't put now as we are in the middle of a bull run

Yes just track the market weekly and after every 10% fall invest 40% of your money to index funds

Diversify investment by putting some amount in stocks, gold ( sovereign gold bonds ) and maybe some real estate.

As of now, stocks are at peak, it might fall anytime so not a good idea to enter.

Try SGBs and explore some cheap real estate options. Even FD rates are high, they will fall in some time, so you can park some amount in FD taking advantage of higher rates.

Related Posts

Can wife claim husbands PAN for HRA? Flat is in the name of husband

like

I got H1B Visa and 83000 USD dollar petition amount as annual package.I am confused as this amount will be enough to survive there with wife and 7 year old daughter.My wife is working here and together we are earning 50LPA annual.We are settled here by owning house too.Confusion is my wife will not be able to work there on H4 Visa so the kind of life we are living here will not be possible there.Thoughts?Suggestions?Pros and Cons?

like

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

like

Can I receive rent on H1? How can that be accounted towards the end of the FY?

like

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

like

Which is your stock pick this week?
Serious answers only!

like

My SO and me are looking to save for our first home.. we don’t have kids.. any tips from you who may have saved for your first home? Did you aim for 20%? How long did it take? What kind of a home would you recommend buying first?

like

Poll - share your investment portfolio in your taxable account. Wanted to see different ideas. I’ll start - 25% FXAIX 25% FNCMX 25% FSPGX 25% FBRGX.

like

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?

like

Anyone have advice on protesting property tax increases for a recently purchased home?

Appraised value went from 540K to 700K...

likefunny

Which crypto coins are you putting your money in?

like

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

like

How do filmmakers find investors?

like

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

like

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

like

Which credit card do you think is the best for ME consultants?

like

How often do people upgrade their house? Is every 3 year too slow?

funny

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

likefunny

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

like

More Posts

FAR, what a pain..that’s all

likefunny

Hi guys,
I was selected by DI and got a confirmation call from teh HR discussing the CTC and other details. But she has not shared offer letter and has given no update since past 3-4 working days. What's up with this ghosting and what does it even mean?

wish i had friends 😭

Post Photo
like

Hey everyone,

I need your suggestion on the negotiation process .
I have got an offer from Meesho with base pay 15 LPA, and expecting an offer of around 18 LPA from a good Bangalore based company.

I wanted an offer of around 20-24 lpa ..how should I negotiate that ( also got feedback that interview rounds went really well) ?

Work ex : 1.9 years

like

My application for an M&A spot at Deloitte was rejected in under 48 hrs!

likefunny

Anyone working with PWC. I have a job id. Please refer

like

Book recommendations on leadership, career development, etc?

like

Hello folks, recently moved to industry from consulting. In my previous company, we had teams who formatted PowerPoint presentations. Suggested the same to my manager in my new job and he is keen to explore an outsourced model. Are there any companies who do this - creating, formatting, polishing PowerPoint presentations? Suggestions welcome.

like

What are the BCG ring fences and how is each one? Can you join any of them or are you required to do the one closest to your home office

like

Hey All,
I finished a third round interview, and HR contacted me that afternoon saying I had positive feedback across the board and they would contact me the next day regarding next steps. It’s been two days and they finally get back to me saying they haven’t been able to sync with the hiring manager but will keep me posted. Honestly I wish they would talk with the hiring manager and then let me know the decision instead of checking in. It’s messing with my emotions.

Can wife claim husbands PAN for HRA? Flat is in the name of husband

like
like

Hey Fishers please help me to get 11 💙 ?

likeupliftingsmarthelpful

Who all agrees PWC is full of toxic interviewers who just come to satisfy their ego & pass the frustration

Is it same with work culture too ?

like

I got H1B Visa and 83000 USD dollar petition amount as annual package.I am confused as this amount will be enough to survive there with wife and 7 year old daughter.My wife is working here and together we are earning 50LPA annual.We are settled here by owning house too.Confusion is my wife will not be able to work there on H4 Visa so the kind of life we are living here will not be possible there.Thoughts?Suggestions?Pros and Cons?

like

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

like

Any part time projects with .Net Core, MVC, WebAPI, Let me know

like

Anyone have any advice on who to contact for merch/apparel related gigs? Preferably in the music or sports industry. Recommendations for agencies that focus on this are also greatly appreciated!

like

Poll: What dress code do you follow at your home office?

Has anyone successfully moved laterally in an org to escape a bad boss? How did you do it and how did you handle any political ramifications? (cont)

like

Additional Posts in Personal Finance - India

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.

like

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 ?

like

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?

like

Celebrate azadi ka amrit mahotsav and reach your financial freedom when India will be celebrating 100 years of independence. 🇮🇳🇮🇳
DM me on 7019194829 for more details!!

Post Photo
likefunny

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.

like
like

A financial advise to all the students and youngsters buy a term life insurance before starting to invest in other instruments. A sample illustration will help you understand that it has a financial benefit plus a security to all your dependents incase of any unforeseen event in life.

DM me for more details.

Post Photo
like

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?

likehelpful
likehelpful

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

like

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

like
like

U can’t be wrong if you’re investing in index for long term

Post Photo
like

Can any one tell me, how to invest in quant mutual fund through it's website?

like

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?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

like

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.

likesmart

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.

like

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

like

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.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal