My per month take home is 2 lac. 29 years old and am father 1 month old infant .

Present monthly investments :
Monthly expenses : approx 70k
SIP Quant mid cap fund : 10k
SIP axis bluechip fund : 10k
Kotak small cap fund : 5 k
Fd: 1 lac per month
Stocks : 10-15k per month


I want to improve my investment portfolio. I have around 70 lacs in FD , 5-6 lacs in stock and mfand planning to purchase flat in bangalore in next 1-2 year (for approx 1.1 cr)
Any suggestion to improve my investment split.

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

Is BRK-B a buy right now?

Saving for a home. Should I save my money in a CD or savings account?

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

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!!

I’ve recently learned about invoice discounting and want to understand how good or bad is it from short term investment perspective. Is there any other instrument that I can look for apart from stocks or liquid funds?

Really hoping to avoid judgment on this post. Has anyone had to sign up for government or state assistance after becoming unemployed? Was the process difficult? I have a young son who's at home with me all day right now and I'm looking for a job that I can work from home, but in the meantime we need to eat and I need to pay my rent. Thanks for any advice.

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

How much are you paying for rent (and where) vs how much are you making?

HYSA anyone recommends?

Is anyone playing around with leveraged coins on binance?

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

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Fav intl ETFs?

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Tempted to buy 1 BTC ..

Everyone has a different perspective on this but would love to hear yours. Someone has debt ranging say 4-5% interest rates. Do you attack debt more then investing to move towards a debt free life or do you go after investments since they return historically above that then paying down closer towards retirement. I know the latter looks better on paper but what about the psychological factors of being debt free and the guaranteed return on interest savings.

Trading Event Sponsorship for Party Rentals! Hey everyone - as a nonprofit we are having an upcoming event and having sponsors for it. We don’t have a huge budget so we are looking to ‘trade’ these sponsorships for table/chair rentals. Since we are a nonprofit are we able to give them the deduction value to claim on their taxes?

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

Corporate and IP paralegals what do you do on a daily basis and why do you think it’s so hard to break into these fields?

I just stop breathing whenever I get a meeting invite. What is life

pro tip. purchase baby foot exfoliate. but make sure you do it at home.

I'm launching a small PE firm and need advice on structuring equity for early founding team members.

I don't want to give up equity in the firm for several reasons but I do need to incentivize my team.

Should I offer phantom stock or form a subsidiary LLC and issue stock in that but always own the parent co? Or just offer carried interest for deals they each manage?

Hey Guys, can anyone help me with the ctc one can ask as a Golang developer in Bangalore. Current exp is 7 yrs.

Truth be told I have never been through onboarding via remote. It’s a bit of a struggle. It’s taking forever to get access to certain resources and my assigned mentor is always underwater. How is everyone dealing with this? My manager seems hard to please in our first couple 1:1s.

Anyone know how long MasterCard takes to present an offer after interview?

Hi folks, I am looking for help with a career pivot. I am currently a startup founder looking to get into an early-stage high-growth tech startup in London and would love to guidance on where to start.

My current startup, although we have seen some success has not found the momentum required. I would love to take all of the energy and skills I have acquired to help grow another interesting high-growth startup, ideally under 10 people that would give me skin in the game. Where to start?

Anyone here work for a venture capital? Do you like it? How is it compared to working in FAANG?

What has been more beneficial to your career and why: specializing in a service offering or an industry?

Nano rising rapidly, great team and good roadmap. Look at the review by Datadash on YouTube

Is Ukrainian Village a safe area to live? I’m looking at a place near Western Avenue and have received mixed reviews.

I am an Audit S1 that wants to work in a B4 Forensics practice. Would it be best for me to accept an offer in Forensics at a much smaller firm (local, 150ish total employees) to gain experience and then try to move to B4 Forensics? Or should I stay in Audit and wait for B4 Forensics positions to open up? Please let me know your thoughts!

Hi Fishes,

One more scenario when dealing with counter offer with holding offer for X.

Two company A&B gave more or less package X+3 Lakh.

Can we still negotiate with company A Or B to get top up from X+3 to make a clear decision to choose over one other.

Is this recommended approach?
Or
how do tackle this situation?

Pour in your ideas which will help all.

Thanks,

I am a Management Information Systems grad student from University of Memphis, with a cumulative experience of 5 years ( 2years - Quality Data Analyst, 3years - Human Resource Co-Ordinator). I'm looking out for Summer Intern'22 in and around companies in Memphis and Nashville, specifically looking for recommendations for applied positions in FedEx. Any leads will be graciously appreciated.

Going into my fourth year of practice and seriously considering becoming a legal recruiter. Does anyone have any insights on this path? Pros? Cons? Advice?

Hi Fishes
What does designation lead rep quant analysis means.

I am doing my MBA on side. I am looking for ideas on what workshops or session series I can conduct that relates to exciting non work topics or work related (this would be boring though). If you have any other ideas throw it my way.

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.

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.

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, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

Best app to track expenses?

Hello everyone, need a help from you.

Previously my HRA amount was 96000 per annum so I was submitting a rental agreement of full hra without giving pan card details of myself and first party.

Now I have recently joined a new company and here hra is 2.7LPA.

How can I claim the full hra amount? I live in a rented house where agreement is between owner and my dad. Also owner will not accept for a fake agreement too.

Any other alternative do I have to claim HRA? Your inputs are welcome here

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 ?

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?

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.

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

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

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?

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

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

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.