I want to grow 15% net compounded interest over next 10-12 years through SIP. Is my following portfolio can achieve it?

Midcap: 30k - Axis Midcap
Large cap: 10k - SBI Large cap
Small cap: 10k - HDFC Small cap
Multi cap: 20k - Quant Active
Focussed: 10k - Franklin India
Gold: 20k - SBI Gold

Total: 1 lakh monthly SIP

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

AITA: My friend keeps asking me for financial advice. I set up a budget for her and have her concrete advice. And I field all of her investing questions. But still, she continues to be reckless with her money. She’s 42, single (no kids), and making $100k+ and is still living check to check.

I don’t want to waste my breathe on helping her since nothing seems to be getting through to her. AITA?

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 !

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

I recently got an offer from Infosys. Just want to check if my cap my pf to 1800 + 1800 ? To the most minimum one

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

Looking for a lawyer for get prenup done. Any recommendations will be helpful

Sold all of my holdings yesterday. Don’t see this bull market holding for another week. What are other fishes doing?

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

Anyone got a good tax person in the bay area?

New to NYC and enrolling in wageworks. Should I do the payperride metro card or commuter card -transit ? Not sure which is most typically used? I will probably take the metro 6 times each work week

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Is the international real estate market as booming as the US?

Any 100% remote PM positions out there?
I’m kicking back 10k for the referrer at 30Days in. I travel between Canada and Mexico.

Like 👍 to help spread the word 🙏

Why are potential business happenings by a candidate’s kid disqualifying but (gestures wildly) for the other candidate not for TSers? Going to your resort, conducting federal business at your property, having foreign officials stay, not doing a blind trust, being granted trademarks/land deals in other countries, promoting your products/books in office, calling out other companies? Stop pretending you care or advocate for anything good/true.

How is citius tech I am about to join there?

Hii everyone from IBM 👋🏻

Whats the process of initiating and getting the hike/bonus?

I joined IBM on last week of May 2022, was on bench till 20th November 2022 and got allocated to project on 21 November 2022.

Whom should I talk to regarding the hike/bonus? And whats the process like??

Will be grateful if I get any inputs. Thanks all :)

As an IT infrastructure i have been tagged un cognizant internal project to support the cognizant owned datacenters VMs and infrastructure.

Can anyone please tell me how is that project in terms of Career growth and learning??

Anyone from MAQ software, please DM

What is the org structure at TCS from consulting stream?
As in I have been offered C2 system Analyst with the work exp of 4.5 years... can someone please share the job level bands with comparison to Infosys Job level?

Should you use all your sick days?

What is the worst reaction you’ve had after giving your notice? I just gave notice and I have never had a boss that tried as hard to make me change my mind as this one. Offered me basically anything I wanted.

So is the Friday night ritual a pic thread in this bowl?

Hi Fishes I've recently started working at Accenture and company has offered me (9.1 LPA including fixed and variable) but I've got one more offer after joining Accenture from Capgemini (in Malasiya - KL) of 7000 Ringgit/ Month. Shall I leave Accenture and join Malasiya or should I stay in Accenture only? Please help me.

Any tips for a final case interview for Advisory Senior Associate? Are the cases usually heavily reliant on industry knowledge or more so general business acumen and problem solving abilities?

What's maximum salary natwest can offer with
Yoe-4
Tech stack- java ,springboot, microservices. Current CTC -8.4 Lpa all fixed.

How much EY India offers for Manager position in technology consulting role

Hi fishes,

Does the January promotions happen for some levels (eg. below consultant will receive it) or it depends on the partner to choose who will get promotions??

What's the current CTC of Consultant 2 in Risk advisory practice?

I recently found out I was “promoted” or giving a higher title, same pay. I was told HR was updating employees titles based on the work they do… Is that even a thing?? My mid yr review is coming, should I just ask for more money?

Toronto for Thanksgiving. Best marriott/spg hotel? Things to do?

Dow is looking strong for short term. Any views ??

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

How much you made this month?

Hello Fishes,

I am new to the investing world. I have invested some 80k in Nifty fifty index funds. I wanted to increase my investment in other MFs and stocks.

Can you advise how to start it considering short term and long term financial goals.

Short term goals - like for 2-3 years

Long term goals - like for 5-6+ years or more depending upon the performance

I have seen multiple you tube videos but seems to get confused on how to start and which funds to pick.

Thank you!

What stocks are you adding in this dip.

We all know how inflation can derail our Retirement Planning dreams!!Though it's better to start investing as early as possible,but HEY, all is not lost even if you start little late. We all have our family responsibilities when we start our career, so "INVESTING FOR SELF" takes a back seat.
Just a perspective, even if someone at the age of 45 years starts investin for his retirement, he can decently manage the same with discipline and regular investing.
Happy to discuss with anyone on this!!

This bowl is for discussion , not for selling webinar or paid tips. One can share there experience which can help or guide others.

Nifty reaching ATH but portfolio still at low 🥲