Financial planning services?

Wanted to know how people are managing their investments? I’m facing below issues while managing 1. How to diversified fund? whats are % of allocations 2. How to rebalancing the mutual funds and stocks time to time 3. Investment on Foreign equities If you are managing by own please share your plan and approach or if you are taking help of any financial advisors do share their details also. Any help would be much appreciated! Thanks.

Hello everyone, I'm Sandeep, the co-founder of Dezerv. We're an investment management platform helping affluent Indians invest better. Prior to Dezerv, I was a Sr. Managing Partner & Head of IIFL-One, and in all have over 15 years of experience within wealth management. Would be keen to answer questions about Portfolio Management Services (PMS), Mutual Funds, Wealth-tech as a space, investment management, entrepreneurship, and more. I'll be back at 5 pm and start answering away!

Hello, I'm curious about your insights on smart investment strategies for the money I've earned through internships and other sources. How can I make the most of these earnings? I'm open to suggestions and keen on learning from your experiences. Thanks in advance for your valuable advice!

It's been close to a year since I am earning a salary and this is what I do: 1. Invest a little less than 30% straight into MFs. I have three ongoing SIPs- small cap, flexicap and a Large + Midcap fund. (Planning to increase the amount further into these and not start a new sip) 2. Max out 80C by putting the entire limit in PPF, this is on top of what is by default deposited into EPF. 3. A little (inconsistently) into direct stocks as and when I find or get to know about a decent trade opportunity. 4. An LIC ULIP plan that my father made me subscribe to 🙂 (hopefully will end in a couple more years) Tips from experienced folks will be much appreciated.😄

I’m 30 YO. My CCTC is 15 LPA I have my own home in a TI city. Hence I don’t have to pay any rent. I current SIP amount is 30,000 per month I started investing in 2021 and have been increasing my investment amount by 10% every year. I will be getting married sometime this year end. My fiancé and I might have a child in the next 4-5 years. In addition to SIP, I invest in PPF. Have invested for 3 years and will continue to do so for the next 15+ years. My current net worth- including stocks, FDs. MF is around 30 Lakhs. I don’t aspire to buy a new car or a new bike. I will be buying an electric scooter to my fiancé after marriage. Am I on the right track? My monthly expenses is around 20-30k. 10k goes away for going out. 5-8k for hairfall and skin treatment Rest of the amount includes health insurance, life insurance, car insurance, bike insurance, bike maintenance etc. I have an emergency fund of around 6 lakhs as FD. Am I on the right track. I want to work till the age of 60. I know it sounds stupid in this day and age but this is what I want to do. I feel lost in this matter. I’ll be making a switch soon- dunno when but soon. Will increase my SIP investment after I make a switch

Looking for an app/service to help me plan personal finances, investments etc for me and my wife. Any suggestions? Apps don't really cover overall personal goals, what one needs to do etc.

Hey everyone, happy to answer any questions around Data Science/ML/AI and making a career within it A brief about me, I work currently as a Sr. ML Engineer at an Indian unicorn startup I graduated 5+ years ago and have since worked as a Data Scientist / ML Engineer at an ecommerce company and social media company. My designations have changed based on the industry requirements and work too changed based on that. Would love to take questions on what it means to be an ML Engineer, my early learnings from a career in data science, and thoughts on AI. Look forward to all questions :)

Hi guys, I have around 4L cash lying around which I wanted to invest. Currently, I think I am in a position to take maximum risks, and see where things go. I also haven’t redeemed the 1.5L tax deduction on Section 80c so PPF and ELSS are open as an investment opportunity. I was worried to invest in the current equity markets. Have just put in around 6.5L into Equities in December (Split equally amongst Large, Mid, Small and Flexi Cap) Needed advice on which seems a better option: - Put 1.5L in PPF and the rest in Large Cap MFs since Large Caps haven’t peaked yet - Distribute the 4L over the next year (~33k/month) and invest it in a SIP to account for market changes - Put the entire amount into equities (1.5L ELSS, 2.5L Large Caps) Also, needed advice if it’s better to look for a Real Estate or SGBs Investment to diversify risk? (<25 yo right now so can take a property around 40-50L to test the waters) What are your views on the current market? I’m planning to continue investing a significant chunk (~50% salary) into SIPs all through. Should I reconsider?

I have read multiple comments and suggestions asking people to just go find a CA. Can anyone suggest some helpful tips or forums for this??