is anyone able to achieve >12% XIRR in last 5 yrs through mutual funds?

i am investing religiously in MFs since 2017 and my current annualised rate of return is 11%

Allocation: 45% large cap, 25% small cap, 21% mid cap, rest in debt.

The lease on our existing bmw 430i ends in August. Looking to buy model 3.
1. When should we place the order?
2. What’s the best place for financing?
3. How much should we put down initially?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

There has to be a point where focusing on minute details generates diminishing marginal returns.

When people think all I do are tax returns and I'm like "No, I do estimates and extensions too. You're just not rich enough for that"

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

Has anyone gone to an estate sale in the city?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

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

Can I survive on £26,300/yr in Belfast?

My score is 620 nothing outstanding but my student loans are killing me. I cant get approve for a house

Pre-tax 401(k) or after-tax...thoughts?

Anyone here refinance successfully with SOFI after I-140 was approved by I-485 is pending?

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Do we need to submit rental agreement to claim HRA tax exemption in Ericsson or rental receipts enough ?

How frequent rental receipts should be ( yearly ? Or quarterly)

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

8k range was the long term 200 day MA support that everyone and their mother said they would be buying at. Well it’s 8900 and buy volume is basically nonexistent..

Is there any good reason LMND went up $33 in one day?

Are there any scrum masters out there willing to take me on as a mentee? I recently received my CSM, but I know that is not enough to get a job. I am looking for someone to show me the ropes and help me apply what I learned in the CSM course so I can start applying for jobs within the next 6 months. I am currently a business development consultant dealing with enterprise accounts. I want to stay in tech but I HAVE to get out of sales. It’s just not for me. Thank you in advance!

Hope everyone has a great Friday!

“We had complimenting genitalia.”

Hey folks, hope you’re all having a not-so-blue Monday. I’m new to EY and was wondering if the firm does annual raises? I joined as an SC and wondering if my base salary will be adjusted annually by a fixed % for inflation or a variable % based on performance? Or if the only way to increase my base pay is to get promoted to manager? Thanks for your help!

I applied for a job at Embark about a week ago - should I be worried that I haven't heard back? How long does it usually take to hear back from a company after applying online? It's been a while since my last job search and I don't want to get too worked up after only a week if I don't need to.

Welcome to the bowl, Please keep your posts focused towards Mastercard and tone as positive as possible.

Cheers 🍻

Is Intelliswift a good company?

Please comment if someone has an idea

Best Co-living PG near Bagmane Tech Park Bangalore or in Whitefield?
Moving to Bangalore for 2 months with wife.

What would be decent package for RPA production support lead role in Fujitsu company

Is CTC of 6 lpa(in hand) ,at 26 and 3 yoe too less?
PS: Ofcourse I am taking opinion for someone else not me 😅

What do you guyz think of PLTR?

Curious to hear thoughts on how the recent rally is being perceived. Is it another of those temporary moves? Or does it reflect a view that the market bottom is behind us now?

Hey folks in Pune,

Anyone up for watching “MAJOR” movie either tonight or tomorrow?

More the merrier, so feel free to tag along your other friends🙌🏻

If you’ve had issues with BED, please share how you recovered, what has helped, etc. thank you.

Hello Fishes

Do you have any idea about xpheno.
I got selected over there for client project.

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 ?

Hi All

I am getting 45k monthly and 10% tds is being deducted at source so after tds I would get 40,500 Rs. However, I am making my work done from someone else and paying him 30k. I am left with 15k each month. What should I do to save this unnecessary tax I paid? Please help.

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

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

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.

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

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.

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.

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?

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

I feel like I've been living under a rock for ~5 yrs. I was happy and blowing off money with the thinking that I'll start saving once I start earning more.

Just realised that could've started early. I'm in mid 20s and thinking about investment. Tried watching YouTube videos. But I have pretty basic questions :
1. Where do I even start?
2. What %age of income should I invest?

I hope I'm not late.

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

Is there a way to Pay rent via Credit Card without paying the convenience fee?

I have 11 years of experience in Automation Development and currently in RPA development. What is an average salary for an associate with 11 years of experience

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?