It should directly be a function of what you aim to achieve 5-6 years down the line.

Software Developer

Corporate Strategist

Apart from 3 things you mentioned, spend time discovering relationships as well. In the next phase of your life, I assume, you would be looking/marrying a life partner. Your life partner defines a lot of happiness in life and unfortunately there’s no straight formula to know about people. A flourishing career but shitty personal life won’t be able to make you a better human.  
  
 So, maybe try exploring, maintain healthy, proactive relationship with parents. Go extra mile for parents as it will make them happy after all the struggles.

Product Manager

Finding your niche. What you are good at/want to good at. The answer is subjective.

Software Engineer

Hey folks 👋 I want to utilize this platform to bring everyone to discuss or share.  What should one involve his/her more time during 2428 yr span?🤔 I am more interested in knowing where one shoul...

Welcome to Software Engineers's Private Community

Hey folks 👋
I want to utilize this platform to bring everyone to discuss or share. 
What should one involve his/her more time during 24-28 yr span?🤔
I am more interested in knowing where one should spend more time....

Some obv ones - Finance, Fitness, Current Domain..
Isn't knowing basic finace & investing good if you are giving more attention to your domain & not actively investing yourself but via someone or a broker...

What are your thoughts on different aspects?
some useful links or resources would help, too, if someone is actively doing something😁

Thoughts<>Overall

Thoughts<>Overall- Grapevine

Welcome to Personal Finance's Private Community

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

I am graduating from  non-CS/IT branch at a prestigious college this month. In July, I will be joining as an SDE 1 at Appian. Since this is my first full-time job, I want to prepare myself. Experienced professionals, please advise on what to do and what to avoid for better personal and professional growth.

Here are some facts about myself:

Personally, I am somewhat introverted but can talk if necessary and am good at conversing with friends. I often find that others put more effort into initiating conversations, which is why I have only a few friends and no female friends. Most of the time, I am comfortable with this, but sometimes I feel a bit lost.
I rarely play sports or engage in physical activities (I’m not good at any sports). Any suggestions for improvement in this area would be appreciated.

Professionally, I was a mediocre student in college and spent a lot of time on LeetCode (I’ve solved around 700 questions). Should I continue with LeetCode or competitive programming after joining? Or should I focus on projects and learning new tech stacks or AI/ML (I’ve studied a few courses and worked on ML projects)? 
Alternatively, should I just focus on company work and not pursue anything on my own?


Lastly, I have a keen interest in finance and the stock market. I’ve been learning and investing for the past four years. Should I devote more time to learning technical analysis and swing trading, or should I keep it minimal? 

How should I prioritize my personal, professional, and financial goals?

What to Do and Not to Do?

Work/Life/Play/Sleep whatever.

Noticing a massive improvement in sleep quality after getting all black sun blocking curtains. Especially considering the stress from work that is making me die on the inside, getting some sleep is a respite.

[Thread] What are some things to invest outside of financial assets that you invest in?

A gym memberships or home gym or something towards your physical health. No matter how healthy you are, your body needs to be more active since we spend most of our time sitting.

Application Engineer

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

Data Scientist

I have been investing for almost 2 years now and have successfully saved >₹10L.
50% is in straight up equity, 25% in MF (equity) and 15% is in gold (bonds and tablets) and the rest is Liquid Cash.

I don't know the way forward now, do I keep doing the same thing? Do I diversify? I have also started to invest in US Markets.

Reached a new milestone 🐛

I'm 22 and new to investing with zero previous financial knowledge. I have built a portfolio from some advive from YT and asking few friends. I would like some advice/suggestions/criticism

I have approx 1L that is left after reducing all monthly expenses. I've thought of keeping 5% as spare cash and use the rest for investing.
I've come up with a split:
FD/RD: ~14%
SGB: ~17%
MF: ~39% (~9% small cap index,15% flexi cap, 15% nifty index)
Direct stocks: ~15%
Crypto: ~10%

Thought Process:
I divided my portfolio into 3 parts based on goals/plans, part one was retirement/safety with minimal risks, part two was for moderate growth with controlled risks ,part three was for taking risks.
Each lf these parts were a seperate portfolio and I took the weighted average of these 3 to create my final one.
Idk what stocks or what crypto I'm going to invest in. I've assumed the stocks to be a little riskier than MF and yielding more possible returns and crypto to be basically a lottery(I'd put a thought/research in what I'm putting money into).

Portfolio advice to a beginner

Hello,

I'm curious about your insights on smart investment strategies for the money I've earned through internships and other sources. How can I make the most of these earnings? I'm open to suggestions and keen on learning from your experiences. Thanks in advance for your valuable advice!

What's the Best Way to Invest Money Earned from Internship and Other Sources?

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

Investing tips in 20s

Product Designer

I’m ready to invest 1L per month. My investment breakup is
30% (₹30000)in stocks (mostly targeting on dividend yield)
20% (₹20000)in Gold
50% (₹50000)in MF 
   -> 30% (₹15000)of this in large cap
   -> 20% (₹10000)of this in Index fund
   -> 10% (₹5000)of this in Small cap

Does this strategy work for wealth growth? Or what other strategy you suggest?

Investment advice

FYI : I currently only invest in mutual funds

I finally reached 5cr networth this month, looking for investment opportunities and some guidance on where and how i should invest to grow

Going by that other guy on Grapevine, first check if your significant affair is having an affair 💀💀

Generalist

Wanted to know how people are managing their investments? I’m facing below issues while managing
 
1.  How to diversified fund? whats are % of allocations 
2.  How to rebalancing the mutual funds and stocks time to time 
3. Investment on Foreign equities 

If you are managing by own please share your plan and approach or if you are taking help of any financial advisors do share their details also. 

Any help would be much appreciated! Thanks.

Struggling with personal finances

Tech Lead

I watch movies and some series or just sleep in my house.
What do you guys do who are staying on rent and can't go home every long weekend, how do you kill your time?

What do you do on weekend?

To a relatively new adult, what financial advice(s) would you give on how to and where to invest my money?

Looking for some Financial advice

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

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

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.

Co-Founder

How are the people on GV creating their wealth.

What would you recommend someone to who has barely started in corporate and can hustle to build wealth(not just earn salary) so that you can have the option to retire by, say, 40.

Speak from experience, there is a difference in doing vs witnessing others. Need something that can be done daily/weekly/monthly(discipline).

I know about usual investments like MF, Equity,etc and even Physical and Mental Health. Do you have something you can add to it?

Building wealth early on?

Hi,

I have been working in the Software Industry for the past 9 years. I feel like I have made a good use of my time and money and maybe some of my lessons can help you folks as well. Recently did a calculation for my NW and I am happy and proud to see my NW crossing 2CR+. I have 0 debt and do not own a house. Here is how my portfolio look like

TC: 1.3 Cr
YOE: 9

I am happy to do an AMA. Ask me anything about tech, career, love, marriage, money management, therapy, songs and movies.
#Ask Me Anything #ama #amazon #atlassian #google #startups #bengaluru #networth #money management #finance #india

Sorry if delay in responses, I'll answer all your questions eventually.

[AMA] 9 years in Software Engineering in India. NW 2.5Cr

I see a lot of similar questions and I'll try to answer them here.

>>>>>>CTC Progression<<<<

My current CTC is 1.3CR . 50% is cash, 50% is stocks.

Here is my CTC progression over the years

1st - 12L
2nd - 12L (Switched Companies)
3rd - 15L 
4th - 24L (Switched companies)
5th - 42L (Switched Companies)
6th - 48L
7th - 66L
8th - 72L
9th - 1.3Cr (Switched Companies)

As you can see I almost everytimg doubled my compensation when I switched my companies. But there are reasons to stay at a company as well. If you are learning and are able to handle different problems at scale, stay. When you feel stuck, leave and look for better opportunities. I have never switched job to get more money. I love CS. I have been coding since 15 years. What made me switch was either bad managers, uninteresting problems not visibility of learning and growth.

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."

Thoughts<>Overall

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