How do you invest your money?

Move to Bangalore, give half of that to @BangaloreLandlord, put the rest in index, US and hybrid funds. Do stock trading if feeling wild

Should put some money in FD, 3-5 lacs for times of crisis. Post that you can save in mutual funds. Once you have some money you can make down payment and buy property. Once you have that you can focus on Financial independence I.e. 25 times of your annual expenditure. Then life set hain 😅

RELIANCE

I invest 75% of my salary ...below is my breakout

5% will go to crypto
10% will go to Index ETFs
80% pure equities ( 40% US and 60% Indian Equities ) but will do Indian Equities mostly now .. 5% to ELSS MFs, as need to save taxes ... I hate MFs btw but have to invest there save taxes ..

Also folks any views on bonds via wintwealth?

Split between multicap, smallcap funds and index funds. Plan for an investment cycle of 10 years. Step up every 6 months/1 year. Look at low churn and low expense ratio funds. Avoid direct trading and keep 15-20% of the portfolio size as cash always. Buy lumpsum when there is panic in the market and please do not sell then. Also, don't look at PF returns daily.

If you are young and have high risk appetite, I would suggest the following -

1. FD / liquid funds for emergency access - limited to 2-3 lakhs. Credit card can be used for most spends even in emergency. High yield FD will an SFB / private bank should be good. Don’t worry about pre closure charges - it’s an emergency after all.
2. Rest in equity - around 50% in large cap - ETFs (e.g. NIFTYBEES), remaining in small/mid cap MFs. If you are bullish on a few stocks you can directly hold them as stock SIPs.

I believe there are a few principles to keep in mind while investing -

1. Investment is a game of time in the market - wealth is created as money moves from the impatient to the patient.
2. Asset allocation is more important than choice of funds in the long run. There may be funds that may generate higher returns than average in the long run, but it’s hard to predict that consistently. Anybody who’s claiming to have this level of prediction accurate is just lucky - and she/he is likely not acknowledging it.
3. What you see on social media / hear from friends is only about their successful positions - most people don’t talk about their badly performing stocks as much.
4. Don’t worry about timing the market - very hard to do sustainably. Stick to a discipline of SIP.

Watch all ET money videos about investing in an index based vs activity-managed mutual funds. Then eventually you will choose ET money genius subscription

MFs, gold ETFs, and monthly swaha money for the next pump and dump shitcoin

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