11 years in the IT industry as a women

Hello everyone, I have been working for around 13 years now. I started my investment journey around 11 years ago. Over 11 years have seen 3 market corrections. 1 major and 2 minor. Seen demonetisation, GST, covid, Russia war, middle east war. Inspite of all this was able to create a 8 digit portfolio. Hit my first 1 Cr 2 years back. I have been able to consistently able to hit 35% CAGR in my investments from past 11 years which includes equity, mutual funds, ppf, FD, etc. At my work everyone asks me for financial advice and I also have helped more than 100 of my colleagues in starting their financial journey. People are quite happy with my advice. But now I want to get your advice on how I can productize my advice so that I am able to reach people at mass who could benefit and also start their investment journey. Happy to get your suggestions and advice. Please note I don't want to start a financial advisory firm as then I can only reach or cater to max maybe 200 people. My thought is to reach 3-5 lakhs individuals. Welcome to any ideas and collaborations. Let me know.

How much do you plan to accumulate to retire and at what age? What kind of monthly income will let you retire peacefully?

Any one hear constantly think they are going to get fired, how do you guys deal with thought ? I have been working for about 5+ years but still have this anxiety and for some reason it’s bothering me a lot more than it should.

Hi everyone, The year end is here. It was a great year for my FIRE journey and I thought I'll share an update with you all. With few days left in 2023, I've crossed 2.65 CR in net worth after touching 2 CR in May this year. Here's the breakup: Direct shares: 1.7 CR (this was the major driver of growth), ELSS: 0.06 CR, Company shares: 0.06 CR, Real Estate: 0.4 CR (while it is between 42-45 now, keeping this unchanged from May), EPF: 0.34 CR (interest for last year kicked in), NPS: 0.06 CR (investing because I'm in 30% bracket, getting 14.8% xirr here), SGB: 0.03 CR The driver for growth has been a high saving rate. In 2023, i've added 29.5 lakhs in equity, about 2.5 lakhs every month. 6 lakhs in company shares (US listed). The EPF and NPS savings are on top of this. My target was to save 36 lakhs in equity overall, and it's done! Targeting the same for next year. I'm aiming to cross 2 CR in equity before July 24. Another change I did this year is that I've moved away from active advisory. I get the stock ideas from Twitter discussions, analyse them fundamentally and take bets based on the charts. I'm quite confident of my charting skills with max drawdown of 25-30% but upside of multiple x. I could capture 2-3 2x this year with sizable investment in them. I got this confidence after i could take my wife's account from 11 lakhs to 20 lakhs in about 2 years. While the next year can be a huge bull run if BJP wins, I'm still trying to diversify. I'm planning to add a real estate of about 75 lakhs by paying 10%. This will help me leverage as well. The rental yield is the property is approx 5% and calculations show that I'll have to only pay 40-45% of the EMI and rest will be covered through rent. This should bring my equity exposure down from the current 65% to less than 50%. In this I'm trying to diversify and leverage while not denting my current equity corpus. Suggestions welcome to make this FIRE journey better! Thanks!

What’s the most important career advice you’ve ever received? It could be anything, an advice from your colleague, a lesson you learnt the hard way, or a piece of wisdom that changed your perspective! 🌟🌟

I’ve noticed different people have different ways to approach their financial planning. Hoping to learn from each other and perhaps help others who read as well.

This is mostly for people who have spent 10+ years in the industry. I’m sure we all can agree that the hiring and salary boom that we witnessed in 2021-22 is mostly over now. Now it’s more about surviving the job market rather than printing asymmetrical amount of money But how has it turned out for people who’ve been in the game for too long. I know some people who switched jobs too quickly and are at a higher package but still not content. At the same time, I know a few seniors who’re still in my first company and are happier than ever with the work. I understand that in Tier-1 cities, the expense itself is more and you’re sometimes forced to switch just to stay afloat. But what would you recommend new joiners based on your experience? Does chasing money in early years help later or only focusing on skills?

Have been on my first job for over 8 years now. Joined as an associate, changed various roles and made progress to become a PM. Happy with my job and importantly, I've been learning new things everyday and have a great leader. But constantly, at the back of my mind, i have a thought, will i become irrelevant one day? Is it bad to stay at the same company for too long (or forever)? What are the pros of changing the job? What are cons of sticking back? Any input, is much appreciated!