Salary day water cooler

My first startup had a smoking zone where there was gramophone looking art piece where people used to dump their ashes. Later someone told me that it’s a Bluetooth speaker and no one cared to put it back after the party that happened two weeks back. That was true culture shock.

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.😄

What did you do with your first salary?

Excited about Bonus, When and what to expect in diwali bonus? Share your experiences.

Budget: around 500-1000. What could be some generic gift that I could give her, that she might find useful or appreciate. (given I don't know anything about her)

Sober for 2 years, and my lifestyle hasn't been compromised one bit. I still go to bars with my friends, I even make cocktails for them when they come home. My family drinks, and I just have some random non alcoholic drink to say cheers with. I have no urges for alcohol whatsoever. Best decision I've ever made.

1. Hedge investment portfolio during downside 2. Taxfree after maturity 3. Interest of 2.5% 4. Diversification of portfolio 5. Gold is heaven when inflation is high and macro is down due to its IMF reserve and Money printing capabilities. 6. Can buy sell if bought through digital apps like grow or Paytm What's your say? 10% of portfolio is fine through sgb way?? Like 1 lac for 10 lac portfolio

Hello everyone! Happy Friday! Hope everyone has something to look forward to for the weekend. Hope Salary bhi aa gayi hogi. What this post is: a place to hang around and chat just about anything - without having a specific topic to discuss. Think of it like the watercooler at your office. Look forward to hearing from you all!