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Hi fishes,
Need your opinion.
Working for Wipro as azure data engineer in Spark, Hive, Azure ADF, ADB etc.
Current CTC: 17.5 LPA
Total YOE: 11 years
Relevant exp in big data: 6 yrs
Relevant exp in Azure: 2+ yrs
Got offer from Atos of 26.4 LPA. Is this a good offer? or Shall I search other job at 30+ LPA?
Getting calls from some product companies like JPMorgan Chase Chubb. How much can I expect from these product companies?
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How many years before your 401K vests?
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How old are you? Just buy the index if all you want is to beat inflation
You want returns that strongly beat inflation? Then you’ll do much better with a mix of stocks and bonds. Long term bonds are generally less risky but doesn’t mean you can’t lose with them when interest rates change! Sounds like you really need to consult more with a financial advisor
Look into modern portfolio theory. There are portfolios that historically almost never have losses, and if they do they are very small compared to a 100% stock portfolio. Generally this is a mix of stocks, bonds, commodities, real estate, etc. so that you have non-correlated asset classes where if stocks take a big dive, some of the other assets generally rise to offset the losses, and then you rebalance.
Just bonds won’t do it, because bonds have bear markets too, and the equity returns are needed if you want to beat inflation long term.
Diversification is everything
I saw in the data (correct me if I'm wrong) that long term bonds don't really suffer much/if any more during recessions, and their periodic ups and downs take a max of 2 years to recover. Yet they have much better returns than total bond market indices.
This seems to be my threshold for risk. Anything else with less risk and/or better returns?
I'm already in stock indexes for retirement. Over a 30 year timeframe, I'm confident in the gains. This is for non-retirement stuff, for things I may withdraw for in 5 years or 10. That makes me feel like I need indices with lower risk, but I really want to make the money work for itself, hence need for returns.
There are no short term investments 5 - 10 years that will have no multi year downsides. I’m long on emerging market funds, especially India. Check out MSCI over 5 years
if you think long term bonds are without risk look at what happened to them in the 1970’s (became worthless).