Stocks - You gotta do your own research and comes with a bit of risk.  
 If you have lump sum you can buy land in an underdevloped area that has potential . Even commerical property is a good bet.

Stocks is too much of a hassle tbh. You need to always be on top of it.  
 I have been thinking of land earlier, but it is too long term

Staff Engineer

Commercial property does sound interesting.  
 Can you tell me more about it?

Software Developer

Very small portion of Angel investing and invoice discounting

I have been wondering if there are other instruments that can also yield good returns in long term.   Can you guys share if you are aware of any

I have been wondering if there are other instruments that can also yield good returns in long term. 

Can you guys share if you are aware of any

Apart from investing in MFs and FDs, what other instruments are you using?

Apart from investing in MFs and FDs, what other instruments are you using?- Grapevine

Welcome to Personal Finance's Private Community

Age - 33
YOE - ~ 10 years in Marketing

Zero exposure to US stocks. 
Zero exposure to Crypto.
Have a house (~45 lacs) for parents in a Tier 2 city which I haven’t added here. 
No liabilities (finished an education loan and a home loan)

Recently started investing in NPS and will continue to do (~1.5 lpa) and accumulating SGB (~2.5 lacs, the screenshot doesn’t capture gold correctly) from the past 6 months.

Question - is there merit in talking money out of EPF and reinvesting in Mutual Funds? What is the general view. 

Open to any other suggestions. TIA!

Seeking Advice - Portfolio Check

What are the best options for short term investments other than FD???

Operations Analytics

Hi folks, 

Personally, I thought I should invest in the index fund. Because, I don't want to take the risk with this amount. 

But I would still like to know 2 things - 

1. Is the index fund fine? 
2. Is it the right time to invest in lumpsum Or should I do an SIP of 20k? 

Any help would be appreciated. 

Thanks in advance :)

Where to invest Rs. 2 lacs right now?

We don’t know your risk profile, but your statement gave me a hint of conservative.  
  
 For a conservative investor in the current market situation, I will do 2 step investing. 
  
 1. Put 1.6/1.8L in arbitrage/liquid fund  
 2. Start monthly index investing with 20k 
  
 If I see 2.5% correction in index, I will move 60k in index from arbitrage/liquid. If index sees more than that, I will transfer rest of the amount to index.  
  
 The above method will preserve my capital & gains both.

Product Manager

Hello community, 

Need help in the decision-making of the money that I have in my bank.
Currently, I have around 13lakhs in my bank account. I dont know what to do with that money. I dont feel safe in stocks and dont know any other options where to invest money.
Help would be genuinely appreciated 🙏.  Thank you

Age - 24.

Investment help

Software Engineer

Do you guys prefer investing into stocks or MF??

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.😄

How do you invest your salary?

Backend Engineer

Got 15k/month extra to invest suggest stocks/MFs/etc.

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself.

1. Working in consumer finance.
2. Love personal finance and helping people out with it.
3. Have published 10,000+ pieces of financial content in the mainstream media.
4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 
5. Lately been appearing on TV regularly for personal finance discussions.
6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned.
7. My unrealised aspiration is travel and I'm working on it now.

No, I'm not selling anything. No commissions, no referral links, no finfluencing. 

Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :)

Ask me anything.

Let's talk money habits.

Corporate Strategist

One of my relatives wanted to invest in SiPs.

Asked my help coz am into direct stocks buying and USA market also. ( Made 10x in last 8y)

So, i checked his phone and got only Paytm and phonepe through which I could have subscribed sips.

But all of sudden I saw expenses like exit load and fund management 2% and 1% respectively.

So, i referred grow and alas! The same charge reduced to 0.XY % ( x and y = 0,1...9) 

Then I researched little bit and got him these fund's.

5000 per month and 40% in large cap. ( Long term 15-20y plan)

He can have moderate risk.( Got 3 kids, planning for their 20s)

Please suggest if all these funds are fine or need to change something

Best Direct Sips

Senior Consultant

Every month my salary gets credited I barely spend 20% of it the rest of it is just sitting around in my bank account it's already above 5L. I keep thinking of investing it in stocks/mf but it's a lot of work 😔 

What do you guys do with your salary, it would be great if you can share your investment strategy and how do you keep yourself motivated to stick to it

What should I do with my money

If you had ₹10k to invest every month, where would you put this money?

Got money as proceeds of a flat sale. Planning to buy a new property for self use using this money and adding some more money. I need not put in escrow/infrastructure funds as sale has not resulted in any capital gain.

What is the best place to park a large sum of money for 3-6 months

Investor

With so many companies at all time high, how are you looking for good undervalued stocks picks. Looking for good fundamental stocks with investment horizon for 1-2 years.

Any app or investment house which shares good picks ?

How do you pick stocks ?

Looking for suggestions on where to invest and what are the best options in that category

For example, Canara Robeco Bluechip Fund for equity investments

Looking for suggestions on Mutual Funds, Bonds, PPF, EPF, FD, or any other types of investments paying off right now

Investment diversification

I’m starting my first job this month, CTC-14L
I’m not sure but assuming I’ll get 80-90K in hand
Considering the job is in mumbai, the rent and other expenses would be high considering it to be 40-50K (pls tell how much it should be at max) 
Also how much taxes will I be paying and how to save it max
I really need your help, how do I start investing? Can I put all in Small cap MF, what would you advice? What should be the split between Stocks and MF, and in MF how much in which categories? 
Also it would be great if you can recommend the best 2-3 MF in your portfolio in each categories, and 5-10 stocks for Stock SIP for long term
Thank you so much 😭

First Salary Investing and Tax Saving| Really need your help

What’s the biggest financial mistake you’ve made in your life so far?

Mistakes

Technical Writer

Which mutual funds are good for the long term (10+  years ) ?

Which mutual funds should I Invest in?

Was analysing my trades over the last 3 years to understand my best and worst trades ever, then coupled that with my "Trade Diary" to see what were the difference of thoughts between both trades. 

I was levered heavily on these F&O trades by holding a margin position. Made ~73k that day with a Capital at Risk/Trade under 25k at all times.

I have since left F&O, I have found better use of my time elsewhere and taxation on F&O income is not worth it anymore to me. 

What about you all? Any trades/lessons to share for all of us?

What are your best lessons from the stock market?

My parents are retiring in a couple of years, have govt pension but also have a sizable corpus in their PF account.

Need advice on investment options, have no loans or debt right now. Focus on growing money with relatively low risk tolerance. Have considered FD, Debt fund.

What about the senior citizen saving scheme, is it good? What other options can I explore apart from gold and real estate?

Apart from investing in MFs and FDs, what other instruments are you using?

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