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Is MSCI product or service based company?
I Currently work for an MNC in Kerala, I've 4.4 years of experience in software development. Currently leading a team of 6 developers. Recently I got an offer from Rakuten India, Bengaluru location. As Senior Software Engineer 1, Rakuten offered 13.5L as CTC + 1.4L as joining bonus. My current CTC is 7.2LPA. As per my research on the salary for this role at Rakuten, the offered one is low. 48days of notice period is left What i can expect from Rakuten India for this role?,How can i negotiate?
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Hi All,
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I would suggest these
1) Start investing in mutual funds. Start a monthly SIP and get that deducted on 1st of the month. Focus on long term investment.
2) Start investing extra in your provident fund through voluntary provident fund. This is over and above your default 12%.
3) Enroll your parents in Health insurance if they are dependent on you.
4) Create a trading account (probably zerodha or groww) and use smallcase to start investing in stock markets. Meanwhile you can use zerodha's app to learn about investments.
5) Always remember, small amount invested in a desciplined way for long term compounds to a huge value.
6) Try to invest/save atleast 20% of your in-hand salary. This is mandatory. Do it 1st day of your month. Set auto debit. You can increase the amount but don't decrease it.
7) Spend 50% of your salary on your NEEDS - rent, bills, grocery, etc.
8) Spend 30% of your salary on WANTS - shopping, movie, outings, gf/bf, daaru, gadgets, etc. These are important but do it in a limit.
9) Try to reduce the 50% and 30% and increase the 20%. You can do this by not living lavishly. Live in shared appartment and reduce your rent as munch as possible, no extravagent spendings, etc.
10) Create a monthly budget for spending. Don't go above that.
11) Work hard till 30, make money, invest, make money work for you. Your future self will be at peace.
Thats so well summarised ♥️
Attend you BTECH classes and learn some coding f**ker 😂
BTech completed brother, with fame. 😊
Buy a term insurance as soon as possible as you end up paying less overall. As of now you may add your parents as the nominee and post marrige change it to your wifes name.
Start investing early even if its a small amount doesnt matter.The thing that matters is to get into that habit of investing like in SIP,NPS etc.Once you get into the habit then you yourself will save first for investing and then will spend on your expenditures.
I opted fot Max Life Term insurance as their premium was reasonable and the claim ratios were also good. Most of the players offer almost the same benifits.What differs is the premium you pay.For Life insurance i opted for LIC almost 10 years back and have been paying that premium ever since.People say its a waste of money but then its better to waste that money on LIC than on foolish spends and needs which are not a necessity.Atleast after the term completes ill get something.When i invested the options to invest and save tax were less.Nowdays thats not the case. So chose what suits your requirement even if its a LIC policy.
Start investing early.
Chief
Kuch nahi ukhaad paaoge tum, chill karo thoda
Okay Boomer