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Investment Advice for Surplus Moony

Hi folks, Noob here I have surplus money laying around in bank and FDs.

Total ~ 19L Bank: 7L (extra didn't account for amount which I will hold in bank) FDs: 12L( This could be an Emergency fund?)

What should be the ideal split in different categories in order to invest/grow/save this money?
If some of this needs to invest in equity so how to do that? Like SIP or lumpsum but market are already very high....

🙏 Thanks in advance.

9mo ago

Newlife_product

Airtel9mo

If you need any help with mutual funds, DM me. I am a sebi registered mutual fund advisor. Can help you.

SabChangaSi

Stealth9mo

Working at Airtel?

Newlife_product

Airtel9mo

Yes

Pixel_Pusher

TCS9mo

Asking out of curiosity- what’s your age and CTC?

Rrrrrrrrrrrrrr

US Based Startup9mo

22, 33L+25L RSUs

jchizka

Stealth9mo

You work at a startup and its issuing RSUs instead of ESOPS?

ElonMast

Amazon9mo

“markets are already high”

Tell me honestly, since how long you are telling this and keeping money in saving account 🤣

Rrrrrrrrrrrrrr

US Based Startup9mo

Bank wala to issi month aya👀, JB

Eon_Husk

B2B SaaS9mo

Don't ever do P2P, your entire capital is at risk, no matter what p2p company says, your funds are secured or insured, nothing works when shit hit the fan.

Looking at your post I will suggest, 60% in Nifty 50 mutual fund & 40% in either small cap or flexi cap.

Just look for mutual fund with low expenses ratio & good past performance.

SabChangaSi

Stealth9mo

They're gonna do what they feel like. ;)

Sherlock007

TCS9mo

Buy direct dividend stocks like ntpc, iocl, bhel, vedanta, Hindustan zinc etc.

With stock appreciation u can easily get fd kind of return.

P2P lending...20 lacs will give u daily interest of inr. 667 daily or 2.4lpa

Now people will say it's risky, but am doing so since 3y and cred mint, mobikwik xtra and 12% are the platforms I use.

I save my 95% salary due to above reasons.

I know P2P is risky but didn't find anything worth.

Pro Tip - Use ur mom/dad account for P2P, so no tax

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US Based Startup9mo

Thanks, Yeah I am also thinking about doing some research on P2P then will make a call.

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