Finance Operations

Not bad. Debt + Index Fund is honestly a sustainable long term strategy. 
  
 Plus, no need to hurt your head with any pain of loss.

Product Manager

You can add a few multicap strategies into the mix that invest in gold as well. Any mf with a 5 year + horizon should do good for you

Finance Consultant

Project Manager

Welcome to Personal Finance's Private Community

Pls help evaluate my MF

Pls help evaluate my MF- Grapevine

Please take a look and let me know your thoughts for a medium risk taker.
ABSL Nifty50 index  -    5k
axis Nifty Next50     -    5k
ABSL Nifty  Next50     -    5k
canara bluechip -    5k

quant large and mid cap  -    7.5k
mirae large and mid cap -    7.5k
ppfas multi cap -    15k

nippon nifty mid150 - 10k
axis midcap  fund   -    10k
nippon smallcap fund    -    5k

-----------------------------------
total  -           75k

Please review MF SIPs

Software Developer

Networth = All assets (property, equity, debt, gold, etc) - All liabilities ( loans, credit card dues)

What's your approx networth? (Mega 🧵)

Program Manager

Please review my portfolio.

Salary: 54K
YOE: 1
Invest: 17K per Month

Emergency Fund: 1L (In Savings Account)
MF + NIFTY + Gold: 1.85L
EPF: 72K

Total NW: 3.57L

Need Suggestions!

Portfolio Review | How am I doing as a 23M?

Hi All, I have started SIP in below funds, If any financial gurus here can review and let me know if I'm on right path?

Quant Flexi Cap - 20k
Nifty 200 Momentum 30 - 10k
Nippon Liquid Fund - 5K
Motilal Oswal Microcap - 5k

Risk Apitite - High

MF Review

Consultant

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

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

Welcome to Fintech India's Private Community

Hey Viners! 

I am new to investing and want to start with MF's but confused which ones to choose! Any suggestions?

What Mutual funds should I invest in?

Guys. 22 years old. Advice needed. 50k monthly SIP. Higher risk appetite. Any suggestions on a good mutual fund portfolio? (Please don't just say index funds)

50k SIP - Advice needed

Can anyone suggest some good mid-cap and small- cap mutual funds to invest in?

My goal is to grow my money. I am fine with high risk ones as well.

Mutual funds

What would be the best investment options for a Conservative spending style ? Assuming I'm 30 and have a package of 20 LPA. I prefer bulk investments where I don't have to look into the market conditions regularly to update my investments. 

Any advice will be greatly appreciated ☺️

Best investment options for a Conservative spending style

Test Engineer

I’ll go first. 

1. What kind of investor are you? 
I am an opportunity investor, and I do buy good stocks whenever they are in reasonable valuations. Below are my monthly numbers. 

2. Where’s the majority of your investment portfolio ?
I have three RE investments and one of them has loan. And I’m planning to buy a property in Goa or HP. 

3. What’s your monthly investment breakdown?

1.7L/ Month (approx) 

60k - SIP (mutual funds)
60k - stocks (smallcase, us stocks using vested) 
30k - as opportunity fund, this is transferred to a different bank account 
10-20k - for experimental investments in crypto, nfts, and some trading. This is a new segment and I don’t have much experience in this and that’s why starting small here. 

4. Anything else you want to share? 

I am learning to invest on a daily basis. Reading, videos and podcasts are my sources. Some of my tops picks are Whiteboard finance (Marko), My first Million and Smart Passive Income, finance with Saran, and Akshat Shrivastava.

Where and how much are you saving/ investing per month?

Consulting Director

Welcome to Banking & Finance's Private Community

Currently, I have a corpus of INR 300,000 that I want to invest, and I'm seeking advice on the best investment options for this amount. Here’s a brief overview of my current financial assets:
     1. Mutual Funds (MF): INR 500,000
     2. Public Provident Fund (PPF): INR 200,000
     3. National Pension System (NPS): INR 200,000

Additionally, I have ongoing home and car loans with a total monthly EMI of INR 48,000.

I am a 27-year-old male earning a net monthly salary of INR 160,000. I also plan to start investing an additional INR 48,000 monthly and would appreciate guidance on how to allocate these funds effectively.

Need Investment Advice

Senior Consultant

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

Software Engineer

Hello Folks,

Please rate and do share your feedback around my portfolio. Thank you.

Type - Monthly SIP
Allocation - 80% Equity, 20% Debt
Duration - 2 Years

Please rate my MF portfolio (Bad, Good, Excellent)

Engineering Manager

I wanted to share my Net Worth as per INDmoney, and understand how I compare with the others here. 

The goal is to reset my goal after looking at people doing better than me, and provide some guidance to people that might be aiming to reach their own goal. 

Total YOE- 6
CTC- 34LPA (since last month)
SIP- 70k (MF) + 30k (stocks)
Investing since- Jan 2020
First SIP value- 15k

Let me know where you all are at, and if you can share some insights to help improve mine

Net Worth- A healthy comparison

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.

Pls help evaluate my MF

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