Hope you have health and term insurance given your health complications. If not, that should be your first priority. Then make sure you have an emergency fund of 6-12 months of your expenses. After these things are sorted, think of investing. This is how I would approach it.

Yes I have both insurance policies. And I also have a 4month buffer fund. I can make it 6

Content Strategist

Software Developer

I would suggest you take professional advice from fee only financial planners. They take fees to review your portfolio, and plan based on your needs. They don't get commission from any investments they suggest, so there's no conflict of interest . 
  
 check out this website to check such advisors. 
 https://www.feeonlyindia.com/

Product Manager

So I am a non finance person and quite illiterate, learnt how to do netbanking 2yrs ago.  Monthly income  1.5 to Rs 1.7lakh  After all expenses (living frugally) can save 25 to 30k per month (I hav...

Welcome to Ask Grapeviners's Private Community

So I am a non finance person and quite illiterate, learnt how to do netbanking 2yrs ago.

Monthly income - 1.5 to Rs 1.7lakh 
After all expenses (living frugally) can save 25 to 30k per month (I have to take care of two houses and some debts, so this saving can't be increased)

Don't need to make real estate investment - have one self owned flat and one commercial property

I have a 5yr old son, need to save for his future as I have many health complications. 
Recently got 20lakhs from my mother as a gift, 10lakh in FD and 10 lakh cash.

Can anyone suggest an education or similar fund where I can park this money for my son?

Also, any SIP where I can invest the money I have remaining every month? So far, I have purchased some gold since I don't know any better and made a 5lakh FD for my son in the bank

Thank you
Thank you all. Sorry for the long post

Need help investing

Need help investing- Grapevine

Welcome to Indian Startups's Private Community

How do you plan or diversify your investments if you have 1 crore  rupees?

Please suggest 🙏

Investment plan for 1Cr

Software Test - QA

Welcome to Personal Finance's Private Community

I am 25, my in hand is about 1.10lakh. I have about 11 lakhs sitting in my savings account. Where and how should I invest my money.

Hi guts, I need real investment help.

Looking for suggestions or recommendations for investing an amount of 20k per month. 
Note: This is not my total income. This is what I have to spare and live a comfortable life. Confused about going with mutual funds or SIPs or NPS or PPF or FDs to r RDs etc.

Need Investment advice in India for 20k per month

Software Engineer

Hi all , I have some 10 lacs of savings which I don't want to keep idle in the bank for obvious reasons, 
I need suggestions on where I can invest for the next couple of years with Medium risk involved.
TIA.

Investment ideas

Analyst

I have around 3 lakh sitting i. My saving account. 
MFs are very high right now, don’t feel like investing as I feel it would come down. Where can I park this money?

Investment help

Project Manager

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

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?

Investment options for retiring patents

Product Engineer

1. Real estate (invested value)
2. Liquid cash
3. Other Investments (invested value)

The wealth should not be inherited.

I'm 30. No house, 10L in cash and 5L in mutual funds. No inherited weath.

How much wealth have you created yourself?

Seeing the comment section,I realise I am broke.

Frontend Engineer

I am going to withdraw my PF as it has been lying idle since 2019.
Looking to invest it for Kids aged 5 and 2

What are some of the best Investments someone can do with Approx Rs 5L

Analytics Manager

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

I've completed 1 year in my first job. I've tried saving and investing some money, help me decide what I can do better:

Income: 22LPA

PPF: 3 Lakh
EPF: 2 Lakh
MF: 5 Lakh
Saving Account: 4.5 Lakh

Income for new FY post increment: 29LPA

I did these savings based on some advice from my elder brother.

I'd like to spend more this year though, with some travel and going out more, maybe even purchase a scooty/bike and a PS5 😁 - would these expenses be justified?

Apart from improving my savings & investments and 
still being able to afford a few luxuries, I want to know if I should get any of these:

- Health Insurance - Only 5 Lakh cover from company for me and my parents (note - parents are getting old)
- Life Insurance - Do we really need it, I'm still 24?

1 year in first job, please help me assess and improve

Hi All, I need advice on how to invest my savings, don't have much to save but can save 3-5k a month, what will be the best option to invest the amount regularly. Kindly suggest.

Advisory

Current mf portfolio (total invested = 10L) :
Axis small cap
Quant absolute
Hdfc equity savings
Axis blue chip
Sbi gold (just started)

Top performers are axis small cap and quant; also running an sip on them

Current stocks (1.3L ):
Mostly largecap (mostly in red)

The rest of the money is either in fds or in the Bank (significant amount)

I feel the equity portion of my investments is very less and I need to be a bit more aggressive on it right now since I've about 60% of my net worth in either fd or in Bank. I can probably do a 5L lump sum then an sip on the same if they continue to perform well.
Considering that please suggest some investment options

A few options I had in mind:
Us mutual funds
Chinese funds
Indian infrastructure funds
Reits

Need advice on where to invest in lumpsum

I am a 23 grad who has managed to save close to 7 L all cash till now. Plan was to enjoy the first 6 months of job and then start with the financial hustle. Seems, I am ready. Need suggestions to allocate ~5L across equity, gold, FDs and other investment instruments.

I have an education loan, so tips on that will also be highly appreciated.

Targeting 25 L net-worth (excluding the loan) by the end of ‘24

Thanks!

Reached 7L networth (all cash, need suggestions)

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.

Hi folks, I have recently started investing after repeatedly being told to not hoard my money in savings, wanted to know how/how much other people invest. 
Current portfolio:
Equity: 2.5 L ( banking, fmcg, ETFs)
Mutual Funds: 1.1 L ( Navi Index fund - 10 k per month sip, SBI Liquid Fund - 10k per month)

I feel that I should invest more since i dont have any financial dependents on me right now, but dont know how much and dont want to  put my hard earned money somewhere I won’t see it ever.

Tc: 30 LPA
Exp: 2 years

Need Investment Advice

Current Portfolio review - Anything that I should consider selling? (Shared my current SIPs desc/ratio in another post due to single image/post limitation, I've done 35k/70k/1L LTCG Profit harvesting in last 3 years)

Need help investing

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