Start Small SIPs in index funds. Stick with them for 5 years, hence small. 
  
 Rest you will figure out. 
  
 Get term insurance and health insurance

Product Manager

Product Designer

Software Engineer

Start with basics and climb the ladder with age and and when you start to understand the concepts. 
  
 -FD 
 -Mutual Fund, Stocks 
 -Gold 
 -Real Estate 
 -Bonds 
 Etc...

Senior Associate

I'm just starting to invest. Suggest me the best practices and ways to lead a better life (in terms of finance). Thanks.

Welcome to Personal Finance's Private Community

Investing tips in 20s

Investing tips in 20s- Grapevine

Folks in the age group of 32 and above. What significant change you saw in your life post 30 both in terms of health and work? 

What do you wish you had done better or a piece of advice for the ones in 20’s. I understand good workouts, healthy eating and financial discipline are top of the list. Would love to get some perspectives beyond that.

How should one be prepared for life post 30?

Founder

Welcome to Software Engineers's Private Community

Coming from Middle class family, I have hardly seen any investment strategy or advice from my parents. But to all youngsters, please start investing early in your career, rather than pushing for new home & expensive cars, iPhones. Don’t need to invest in stocks & trading but start a step-up SIP with 500₹ Small Cap MF, that will support you in long term.

Invest early

Engineering Manager

Help your brothers

I'm in late 20's now. 
  
 To my bro's in their early 20's: 
  
 "Please priorities your fitness. Aim to establish a routine and get into a shape you yourself are comfortable with and proud of."

Growth And Strategy

Security Analyst

Hi friends,

I want to ask a question.

What is your life sutra do you work really really hard save the money and invest for future.

                            Or

Do you earn the money and making moments like going out, enjoying with friends and family etc.

                            Or 

Do you prefer mid way b/w two of them above.

Which kind of person you are? Please address  why also 😢

Any tips for making assest management in our 20s

Data Scientist

Fresh out of college, with no money experience. How to split the money into investments(safe and risky), utilities and other expenses. What percentage savings is good enough. How much of it can I really spend without feeling guilty and what quality of life can I afford with this salary?

How to manage salary of 1.4lc per month as a fresher.

I'm just out of college and while I wait for application processes to begin for my masters, I've been working a few content writing jobs here and there and have managed to come up with a decent amount 

Since investing is all the rave, I have been reading a bit about the stock market. Although resources available to help a 20 year old Indian student have been limited or undiscoverable so far. 

Looking for links, stories, personal beliefs or opinions on how I should go about starting  investing.

Navigating the world of stock markets

Welcome to Product Managers's Private Community

I will be starting my career in tech as an FTE next month. Although I wanted to start in a PBC, life had other plans for me.
Need some advice or maybe something which you wish you knew if you were my age for a successful career in tech.
Learning and growth at utmost priority, don't care much about wlb at least till I am not 30
PS : base is 17 but have a huge amount of loan to repay.

Need advice from millennials

At young age you should focus only on 2 things, career and money.  
  
 Career: Try to learn as much as possible in whatever you do. Take initiative and show enthusiasm for anything new. Anyone can code, but people who take initiative and has the ability to learn new things quickly are the one who make it big. Build a good relationship with your colleagues. Your network is your networth.  
  
 Try to get as much clarity in life as possible. Talk to seniors, learn about their journey, why they made certain decisions. Trust me having clarity in life as to what you wanna do in life is a cheatcode.  
  
 Money: No matter how much you make, you can always save money. Invest that money into index funds. Investing early on in life will put you years ahead of your friends. Compounding is real. Here's a simple rule you can follow: 50:20:30. Spend 50% on basic needs, 20% on your wants and invest the rest 30%.  
  
 Don't buy expensive things just to show off. Literally no one cares.

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!

AMA: Hey everyone, I'm Sandeep, co-founder of Dezerv. Ask me anything!

Hey Sandeep, are you hiring SDE-1? I would like to work with you.

Software Developer

Co-Founder

I've always lived paycheck to paycheck, but I want to start investing. 

Where do I even begin? What advice would you give to a complete beginner in personal finance?

Any Investing tips for a Clueless Beginner?

I am 22, and I'm going to be 23 this November. Just got into my 1 job. I am determined to invest about 45k per month. (Includes funds for short term goals too, like an international trip once a year) 

Out of which I am already investing 12.5k in ELSS funds. Now I am confused about what remaining portion of my amount should I invest in stocks vs other MFs. 

Please help me out here. 

A bit about myself. I am open to taking risks. Looking for long term investing.

Help me diversify my portfolio

I'm a fresh grad who started his job. Can someone suggest how can I start with my investments. Like where to study and how to proceed. I'm too confused about everyone talking about financials and I don't understand at all (I'm from a non financial background).

Any advice will be very helpful.

Thanks in advance

Advice on personal finance

Hey folks, I'm a recent graduate, got a job at a startup and the base will be <15, >10. Shifted to Bangalore (more like returning after 6 years, lived for 4 years before that). 

Since I'll be starting my full time journey soon, I want to know how you guys split your take home salary into needs, wants, luxury, savings, investing etc. 

Currently, I'm in a rented flat in HSR (my split is 7k) and will rent out/buy some home appliances. Food would be around 10k a month (no maid, all outside).

I just want to know your experiences on spending and handling money. Not that I'm bad at it, but this is the start of my journey and I would like to know how other people manage their money, so I'd know if I have to tweak some things. 
Do tell any strict DOs/DONTs, common mistakes.

How do you manage your money? (SDE version)

Intern

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

Hello,

I am a software engineer with 2 years experience. I want to start investing in stocks, mutual funds or any other areas. I don’t even have a demat account. What would be your advice to complete beginners who wants to focus on their financial management and start investing? What would be some best areas to invest and start learning?

Your advice is really needed and will be very helpful.

Investing advice for complete beginners..

Welcome to Banking & Finance's Private Community

At the initial phase of my career, should i focus on fully saving money or fullfill some of the dreams that i want to  buy from childhood

Hey everyone, I'm curious about retirement planning and would love to hear from others about their retirement goals. What retirement corpus are you looking at? What is your current financial status and expected retirement age? I'm particularly interested in hearing from those who have already started planning for retirement or have already retired. Any tips or advice on retirement planning would be much appreciated. Thanks in advance!

You can use the following format
Goal/current status/retirement age/current age

My goal : 10cr/2cr/40/30

10 cr  equivalent after inflation adjustment

Early Retirement

Machine Learning Engineer

Hey guys , I am an IT dihadi majdur. Have zero idea about Investment. Let me share my income:

I receive 30k in hand from which I have to save 20k for my brother's engineering. Rest of the money I transfer to my mother's account as we have a small loan ( 2 lakhs aprx ). Any tips how can I start investing, heard about SIP but don't know how to do it and where to invest. Can anyone please guide me step by step. 

Also I have 2.5 years of experience in Java. Any career related guidance will really help.

Investment tips for guy who's earning 30k permonth, age :23

System Engineer

Need mutual fund suggestions for SIP for 20 years.

Need mutual fund suggestions

A win in its own sense. I invest in mutual fund as well which is worth 27L but this is direct equity portfolio. AMA

Equity Portfolio touched 2Cr this Friday!

Welcome to Indian Startups's Private Community

Attaching a recent sunset pic from my gallery.

Thanks for loving Part 1 of my RLE.
https://share.gvine.app/1phkz5E232ikFMwH8

I am loving this phase of my life. Wlb is good.

Eating organic food, drinking clean water 💦 and breathing clean air 🫁.

More time for family and society.
Getting good sleep with deep sleep more than 2h consistently. No regional holiganism. Life ain't kinda hullabaloo which used to be case in metro.

Saving+investing 100% of my salary (thanks to my investments in last 7-8y)

I want to sustain this and live like this for rest of my life.

I am in late 20s and sitting on total 93L savings.

It will cross 8d soon but am confused on how to go through sustainability. 

Please help me navigate.

1. I don't want to do job. 
Startup or Meaningful work is my calling. In Covid i worked for multiple startups and helped them in many ways. MVP to PMF, am good at marketing, sales, HR and tech. Planning to join a remote startup or start my own. But it should be meaningful startup not just a bigger fool game.

2. I Can do agriculture side by side as I have around 15acres of land. It can give output = Median package of tier 1 mba. Have ideas like growing stevia, alovera and other useful stuff instead of wheat n rice like my old generation. Then it will be huge but again have to convince father. Startups like dehaat are helping in this as well.

3. Get a good franchise in nearby city like sleepwell, Pizza Hut, kfc or tamo and get regular returns.

4. Put all money in FD and get 50k/m return and live a happy life. (50k is more than enough for family of 5 where I live currently)

5. I love reading, blogging, debating, quizzing on economics, geopolitics, spirituality, semiconductor, politics and tech. Can build an online business around this on YouTube and internet.


Please guide me how to reach to correct idea and navigate properly with minimal risk.

Thanks in advance and only serious people reply.

If someone is on same boat ⛵ then do DM.

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