Started learning about investing recently, and it’s honestly overwhelming with so many options out there.
i have been reading about lump sum investments and came across a few names like
1. HDFC Balanced Advantage
2.Kotak Flexi
3.ICICI Value Discovery

Planning to invest around 3 lakhs, but not sure which one’s better for a beginner like me.
If anyone’s tried these or has any suggestions, please share any help is appreciated!

Hello Fishes! I'm looking for a job change (In Pune or remote preferred) and I hope someone could help me with a referral.

Role: Scrum Master (PSM I certified)

Total Experience: 5.2 years with 2 years as SM and 3.2 as QA.

CTC: 8.2 LPA

Skill Set: Scrum, Scrumban, Agile, API Testing through Postman, Performance Testing through JMeter, JIRA, Bugzilla, SQL, JSON, REST, Manual Testing

Notice Period: 45 days.

In urgent need for relocation. Any help will be appreciated.

Thanks.

Which Mckinsey office in the Middle East is hiring? Does Dubai office still hire experienced hire now?

What is the next process once accepted offer in pwcindia. I have accepted offer and have my joining in 2 weeks. Have not received any further communication from HR.

There is a certain air of respect you get when you become a military professional. As long as you earn that respect, of course. But I like it, it feels good!

Practising Catholic here - I don’t understand what specific catholic challenges I have at work? The biggest issue for me is the annoying Cardinal Pell and other rape jokes.

Hey fishes,
Is there any openings for Audit Associate in KPMG ?! If yes, plz help me.

A sleepy summer Sunday watching the end of a great test cricket match, grabbing a beer with friends and glorious weather. Honestly it is the first day since covid that life feels normal for me

How long after interviewing for a lateral position would you expect to hear back?

When the layoffs hit the BBbanks, where are the first cuts amongst IB, sell side research, buy side research, trading, sales, operations? Maybe rank starting with first out.

Anyone recently got their PERM approved - how long did it take? The USCIS website shows the avg. Duration is down to 3-4 months now!!

How are the projects in transport, travel and hospitality domain in coforge. How is the work load and how are the onsite opportunities. How is a role of test analyst in coforge

Still want a recruitment bonus 👀. Lmk if you’re looking to lateral!

Are other firms slow right now? Majority of our FDD group is unassigned. Not complaining, just curious.

During WWII a brilliant engineer found a way to encrypt radio transmissions, which led to the wireless network we use today. Who? Hedy Lamarr (yes, THAT Hedy Lamarr, the actress). A pretty face does not have to mean a lack of intelligence!

Anyone here a member of a either the Commerce Club or the Buckhead Club? Considering joining but curious to hear more about them.

Dear fishes, I'm a product analyst trying to transition into an APM role. Do you guys have any idea what are some of the companies that pay high salary for an APM

Got an offer from Mphasis as project lead systems in testing practice team, can anyone guide me how is project n what client they have. Not getting much info from HR

Hi fishes how is wlb in mphasis?

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 ?

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?

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

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

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?

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.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

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

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

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.

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 !

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.

Recently I underwent surgery ,do we have option to show unreimbursed amount which is not covered under insurance for tax exemption

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

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

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.