Mutual funds if you don’t want to spend time, other option is smallcase. 
 Personally I invest in stocks . 
 Returns have been meagre around 12% xirr .  
 Health insurance are many check on policy bazaar.

Software Engineer

Start with mutual funds, they're like a thali meal, a bit of everything. Remember, investing is a marathon, not a sprint. What's your risk appetite?

Product Manager

Buying insurance is the base of financial planning pyramid. Start with buying a health and term insurance first. 

With regards to health insurance, the absolute non negotiables are no room rent policy, no copay, no disease or treatment wise sub limits, a good no claim bonus and network hospitals. 

We can help you evaluate a right health insurance plan based on your requirements. Book a free call with our experienced insurance advisors: https://calendly.com/getsimple_health/30min?utm_source=Grapevine

Founder

Could you suggest any secure investment plans suitable for salaried employees? Additionally, I'm curious about your personal investment strategy. Where do you typically invest your salary, and what...

Welcome to Software Engineers's Private Community

Could you suggest any secure investment plans suitable for salaried employees? Additionally, I'm curious about your personal investment strategy. Where do you typically invest your salary, and what returns have you experienced? Also, what factors should I consider before purchasing health insurance?

where to start investing salary any Insights and Strategies

where to start investing salary any Insights and Strategies- Grapevine

Welcome to Personal Finance's Private Community

Any investment plans for salary person?

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.😄

How do you invest your salary?

Backend Engineer

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?

Hi guys, 
I have around 4L cash lying around which I wanted to invest. Currently, I think I am in a position to take maximum risks, and see where things go. I also haven’t redeemed the 1.5L tax deduction on Section 80c so PPF and ELSS are open as an investment opportunity. 

I was worried to invest in the current equity markets. Have just put in around 6.5L into Equities in December (Split equally amongst Large, Mid, Small and Flexi Cap) 

Needed advice on which seems a better option:
- Put 1.5L in PPF and the rest in Large Cap MFs since Large Caps haven’t peaked yet
- Distribute the 4L over the next year (~33k/month) and invest it in a SIP to account for market changes
- Put the entire amount into equities (1.5L ELSS, 2.5L Large Caps)

Also, needed advice if it’s better to look for a Real Estate or SGBs Investment to diversify risk? (<25 yo right now so can take a property around 40-50L to test the waters)

What are your views on the current market? I’m planning to continue investing a significant chunk (~50% salary) into SIPs all through. Should I reconsider?

Doubling down on Equities?

Software Developer

How much percentage of the salary a person should give in investments?

Investments from Salary

Associate Product Manager

How do you plan your investments if you are earning 8 digit salary in India ? Have you guys tried financial consultants to just suggest beyond SIPs?

Investment plan for 1cr+ annual income

Chief Business Officer

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

what part of salary/income do you guys invest and where do you guys invest, let’s create a thread

Best place/way to invest

Welcome to Indian Startups's Private Community

Viners, finally I’m frustrated enough to make a move on building my own business.

Just curious about what b2c SaaS would you not mind paying 100 / month for? Preferably in the capital markets / personal finance space?

SaaS product you’d pay 100 / month for?

Can someone please  suggest how and where to invest your 60K /month salary so you can accumulate enough wealth for future.

Investment Guidance

Product analyst

For those actively engaged in direct stock investments, what guiding principles do you adhere to? Personally, my portfolio lacks structure; I tend to purchase stocks whenever funds are available, resulting in an overly diverse spread across approximately 30 stocks that I'm looking to consolidate. I aim to adopt a more disciplined approach and identify areas for improvement.

Are you an active stock investor? Do you adhere to a regular investment interval and budget?

Do you impose an upper limit on the number of stocks in your portfolio? If so, how do you handle adding a new stock? Do you skip the new addition, or do you exit an existing one?

When investing, do you consistently allocate multiples of the same amount, or does it vary?

When entering a stock, do you make a single purchase or spread it over multiple days?

Do you adjust your stake in existing stocks? If so, what criteria guide your decision to increase or decrease your stake?

Upon exiting a stock, is it done in one shot or over several days?

Does the dividend yield influence your stock selection, and do you have a specific dividend target?

Do you use external services like Excel, Value Research, Markets Mojo, etc., to track your stocks?

Where do you conduct your research? Platforms such as Screener, ValuePickr, MoneyControl, etc.?

Do you have a specific metric for evaluating portfolio performance, such as absolute returns or CAGR?

Are there any additional strategies you follow in your stock investments?

Viners, what are your stock investment principles?

Software Lead

Lets say when you recieve a salry of x amount per month, how do you divide in for investements and what is your thought process for investing this amount in that asset category?

Dividing salary proportion for investments

Computer scientist

I've always lived paycheck to paycheck, but I want to start investing. 

Where do I even begin? What advice would you give to a complete beginner in personal finance?

Any Investing tips for a Clueless Beginner?

I'm a 22-year-old with a monthly salary of ₹68,000. Currently, I have ₹5,00,000, split between cash and various investments in Mutual Funds, stocks, etc. I plan to restructure my portfolio according to the following allocation and also initiate monthly SIPs of ₹35,000. Looking for suggestions on refining this allocation, and what should be my monthly SIP investments?( Please suggest the MF/ETF categories to consider)

Current plan:
Gold - 10%
Stocks - 15%
Mutual Funds/ETFs - 40%
Bonds - 30%
Experimental Investments (REITs, P2P, etc.) - 5%

Note:
1. This fund is exclusively for investment, and I maintain a separate emergency fund.
2. I've been working in finance for the past 3 years and am familiar and open to diversifying into different and more complex financial instruments. 

Suggestions on this are genuinely appreciated.

Need suggestions on restructuring personal investments 💰

Welcome to IT Company Discussion's Private Community

Shoul I rely on my salary only as Software Engineer? Or start other income sources?

Coming from Middle class family, I have hardly seen any investment strategy or advice from my parents. But to all youngsters, please start investing early in your career, rather than pushing for new home & expensive cars, iPhones. Don’t need to invest in stocks & trading but start a step-up SIP with 500₹ Small Cap MF, that will support you in long term.

Invest early

Engineering Manager

I wanted to check up on the fact whether i am doing things correctly to save taxes or not and below is the details for the same.
Gross Salary - 3,30,000/Month
PF Contribution - 16,000/Month
Income Tax - 75,175/Month
Net pay - 2,38,000/Month

If i can save more taxes, how should i proceed furter assuming it's my first job and I've got little zero idea about anything around personal finances and taxes.

Better tax management

I know it's not a big amount, but felt like announcing this. Here's my nw breakdown-

FD/Emergency fund: 5L
MF/stocks: 1L
Sitting around: 4L (can't get myself to invest it, the market seems very overvalued. Will try to invest this in small chunks over a duration)

Next target is 50L, it'll take much longer than this 😭

where to start investing salary any Insights and Strategies

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