MFs + Stocks would be aggressive in early part of life. 100% alloc to 30% by 40.

Bank FD/Bonds would be aggressive in later part of life. 0% to 70% by 40.

30% by 40, damn! U r more conservative than Kamath bros

Product Manager

Hopefully, I’m a dollar multi-millionaire by then.

40 here. As of now, its 80% stocks, 10% mf and 10% gold.

Project Manager

Digital Marketer

Stocks: 0 
 MF: 0 
 Bank FD/Debt: 10 crores 
 Personal house worth: 3.5 crores 
 Personal company/business holding: 50cr+

I am aspiring for the following mix.  

1. stocks - 35% 
2. mutual funds - 10%
3. Bank fd/savings account - 5%
4. value of house - 10% (parents have built a house so not aggressive on houses)
5. agriculture land - 20%  
6. angel investing - 20% 

On Angel Investing, i've been dabbling with small cheque sizes since 4 years and found few patterns working for me like - staying away from trend, enterprise software with pmf/revenue/good founders etc,.

Product Owner

what would be your ideal personal finance snapshot be like (please enter amouts/ranges):  1. stocks 2. mutual funds 3. Bank fd 4. value of house (for investment) 5. anything else?

Welcome to Personal Finance's Private Community

what would be your ideal personal finance snapshot be like (please enter amouts/ranges):

1. stocks
2. mutual funds
3. Bank fd
4. value of house (for investment)
5. anything else?

imagine you 40

imagine you 40- Grapevine

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

Software Developer

Mention your total investments (Stocks, MFs, FDs, Cryptos, real-estate, gold etc) and your total net worth (investment assets' current value + hard cash + bank account balance) and also your age.

PS: Don't include paper money / ESOPs

Mine:
 28L in stocks, 5L in cash, 1L in gold (bought it for mom) :P, no crypto
Age:28

What is your net worth (Mega 🧵)

Operations Analytics

Since a lot of folks have been discussing about holding different assets in their portfolio, what does one feel is a healthy split. I can go in first

Cash/Cash equivalents : 0.4%
FD/Debt Mutual Funds : 9.2%
Stocks : 33% (mix of public traded ESOPs and those purchased by me in the market)
Equity Mutual funds : 22%
RE : 30% (includes the house I live in)
Pension : 5.4%

Would love to know how others are stacked.

Split of your net worth

Founder

What are your net worth targets and goals by age?
Here's mine:

25: 10L ✅
30: 50L ✅
35: 1.5 Cr 🟡
40: 3 Cr 🟡

Net worths target and goals by age...

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

Software Engineer

What is your preferred approach for safe keeping your savings?

How much would you allocate for emergency fund?
How much would you allocate for investment (shares/mutual funds/ gold/ bonds)?
How much would you allocate for dead assets (property/ land)?

Savings break-down

Solution Architect

What does your Portofolio look like in your 20s.

Would also be helpful if you can tell about your health and term insurance.

Portofolio in your 20s

The FAANG and unicorn employee salaries for even 2-7 YOE engineers is quite insane compared to the average Indian employee pay in other sectors of the economy.

The average SDE2 at these companies makes 50+ lakhs per year in compensation (not “CTC” but real money) The average SDE3 makes 80+ lakhs which is frankly insane.

What are you guys doing with all that money?

FAANG & unicorn folks, what do you do with all that money?

Giving 34.2% directly and 18-28% indirectly to gormint. My biggest expenses by a country mile.

Security Engineer

Analyst

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

I have been working professionally working from the last 3 years as a software engineer and I have 25 in my savings account, I have never invested my money before but it feels like a serious mistake on my end. I am looking for advice how should i split this money and invest in various streams i am ready to
Invest 95% of it

I have 25 lakhs in my account

What your age range ( 20-25, 25-30 ….) and percentage investment in stocks or equity mutual funds?

Manager

Monthly bills + Rent + Savings + Investment + Shopping + etc

imagine you 40

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