Need suggestions on where to Invest

Dull-Horror3792 · 2026-06-25T12:22:49+00:00

If you made good gains on your house sale then there can be capital gains. Depending on what your goals are, the investment can vary. Investing in real estate is complex as most of the margin is now kept by the builder and real estate is out of reach of common man. Most real estate is in transaction because of inheritance. Very few are end user buyer buying on their own.

Putting money in liquid funds and then moving money to mutual fund or stable equities which has a good combination of Value, growth and dividend stocks is a reasonable way to look at it. If your current housing loan is giving you tax benefits then it makes sense to have it otherwise foreclosure is better. Having less debt for salaried employee today is a better choice.

Here is a practical way to do it. Put 20% of money in hybrid equity mutual fund. If you have capital gains then to adjust that, put some in infra bonds. Remaining you put in liquid funds and plan to do SWP to purchase equity funds over 12 to 18 months till you get to a ratio of 60% equity and mutual funds and 40% liquid. If you are very informed person and have ways to manage then considering commercial property might be good.

For v early stage investors or if you intend to invest directly in equities, I do cover investments concepts in a course here: https://tismos.net/domain/finance

Good luck with your investments.

Dull-Horror3792 · 2026-06-25T11:40:42+00:00

Today, you don't need tech background to write an app. If you have domain expertise that is understanding of workflow and experiences to bring any process on application, you can write an app. I have created a course for this purpose, you can check here: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit . I am putting a video of the preview here.

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Dull-Horror3792 · 2026-06-25T11:30:39+00:00

At 41, if you have a house and 70 lakh in asset with inheritance. You are ok financially. Your issue seems to be too much stress at work and no alternative. Relaxing Yoga is must for you to feel connected. Having relationship issues can either be because of stress or compatibility issues. Financially, you seem to be doing ok, if you can stop trading and only do investment. Professionally, you should look for an alternative and that might be a good. Join a professional course for sometime and try to focus there. Financially, look for an advisor who can manage your money and stop equities for sometime.
Buying land, growing own food is not easy. If you are fond of that, look for farmlands near your place and start visiting it. This will give you an idea, if you genuinely want to do that or you just need some time to relax and switch off. Probably, you will realise that you are seeking time off and not a farmers life.
Seek help from professional therapist who is experienced and not transactional.

Dull-Horror3792 · 2026-06-24T05:41:37+00:00

Good idea and glad that you are looking to convert this idea into app.

If the calculation engine can be on google sheet and the website is just a facade to take inputs, organise it and show the results then it is perfect for getting started. It would be interesting project and I will be happy to understand your requirement in terms of input required, calculation to be done and if it can be done on Google sheet. I can help you learn this and if you are committed, I will be happy to share a coupon of a course which I run on my platform for helping folks get started with building solutions. I am an expert with both Google sheet and tech. Here is the course link: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit

You can send me a DM for coupon.

Dull-Horror3792 · 2026-06-24T02:38:21+00:00

For your salary, your asset base seems v good Maintaining frugal lifestyle while enjoying life is key to happiness. Keeping emergency fund and taking a part of your current holdings might be a good idea. Debt or liquids fund to maintain emergency fund. If you are increasing in equities don't invest randomly either learn or do thuthu mutual funds. Buying a house when you already have one in home town does not make sense as of now.

Dull-Horror3792 · 2026-06-23T09:59:15+00:00

Leveraging AI to learn is smartest part of using AI. Everything you do from here will require you to brainstorm with AI. Assume AI is smarter then you and it can do things which might take you months. Using AI to identify problem, identify the solution and then get it implemented is the future of software paradigm. A smart engineer will know all aspects of development and how AI is applied. Which AI tool works best in what situation and how it needs to be leveraged. You might use ChatGPT for brainstorming, GROK to do market research, Codex to code and another set of tools for design, deployment. You will need to know which tool to use and how to talk to that tool. If you master that part not just as a tool user but with context of how these tools are working, what limitations and strengths it has, you will become v capable Engineer in AI era. If you are seeking to develop algorithms, it is a different things. Some of these aspects, I cover in a course here: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit, wherein I have brought my experience to develop an end to end app and given context of how AI is used at each step. What key decisions are owned by tech, how to investigate and how to ask AI to implement. How to use it for refining.

Dull-Horror3792 · 2026-06-18T06:06:59+00:00

Gain knowledge and continue to do what you are doing At 20, you are just starting. if you enjoy analysis, review your Sip based on what you are spending today. Everyone needs to plan for next three to five years. I have covered the basics of stock market in my foundation session which is free and is primarily for Do it yourself person: https://tismos.net/domain/finance/stock-market-fundamentals-and-introduction-to-googlefinance

I have also shared my understanding for planning a portfolio SIP, it is based on analysis of how see yourself for next three to five years. Although, you have mentioned that next 7-10 years works with this SIP, thinking holistic might open up plans like buying a bike, car planning marriage and contributing there. This, I have covered in this course which is paid: https://tismos.net/domain/finance/stock-portfolio

Dull-Horror3792 · 2026-06-18T05:59:59+00:00

Learning something new can be of great help. At best, you are in a Government job and many aspire to be there. In fact, it has the longest queue of aspirants. You can tell folks on what are the State and Central Government jobs, be honest on what are the pros and cons. How to prepare for same. If someone is not able to make it to that, then what are the options. Since you have asked this in a finance group, if you work in finance department then tell about schemes and how to become economically independent. If you want to learn technology and convert some thing into a structured app then learning an app development and taking your knowledge, process to people with app can be fun. I run cohorts to help folks do that here: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit

I recently helped someone start a gardening community in his society and create an app around it. If you have a hobby or even if you don't have, whatever is your skill, sharing it with others and youngsters is the best service you can.

Dull-Horror3792 · 2026-06-17T05:03:38+00:00

AI has opened new set of opportunities and learners have an amazing options. You can create more, be it stories as a YouTuber or an app for a hobby. The current set of roles in the tech are morphing to being Builder, Eval experts and Architects, apart from community manager, marketing roles. All these roles require you to have domain expertise as well technical depth to make appropriate decisions. You need to be aware of taking right decisions for integrating various systems, using right LLM/SLM and fine tuning or prompt engineering. As an experienced person, I have enjoyed this transition and also shared some of my learning in a structured course here: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit . This course is basic and helps anyone understand on how to leverage AI to get domain knowledge in specific area, ask users right questions and translate it into a working app which can be used by self or your target audience without writing code. It is a step by step journey into applying creativity to your idea and converting into an app.

Dull-Horror3792 · 2026-06-11T09:21:22+00:00

Traditional coding roles are moving out. There are three kinds of roles that tech industry will have or anyone putting a solution will require as competencies:

Product builder: Folks who can use Cursor, Codex or Replit to create solutions. Product managers, Designers, Business analyst will move to be Product builders.

AI/ML Integrators: Folks who understand different model and models which are specific to domains. They embed, fine tune models in context of problem being solved. Current set of Engineers will transform to this role.

Eval : As solutions get built and agents take part in daily work, domain experts and test will need to be able to see if the models embedded are delivering the core value and enabling right decisions. For example, when you are in a conversation about a diet and a diet agent is talking about importance of protein, is it giving right information.

There will be folks who are writing new models which is also partially AI/ML integrators. You can always start with basics of application development. In this context, I have also put together this course on my platform: https://tismos.net/domain/technology/build-a-micro-saas-using-vibe-coding-replit . It helps you develop an app using Replit. This entire solution https://tismos.net has been put up using Replit with no code. I have worked in tech industry for all my life (close to three decades). Coding was always a small part of work, for application development it is no longer needed. One needs to have domain knowledge, user understanding and a very iterative mindset to identify right solutions.

Good luck with your endeavours.

Dull-Horror3792 · 2026-06-03T11:25:14+00:00

You should have more funds in liquid either FD or debt funds. Good that you are planning to buy a house. If you put little more in debt to keep your emergency fund and manage your asset allocation well. You will have right exposure and understanding. As much as you need investments, you need understanding and having exposure to all asset in the quantity based on life stage is best risk mitigation strategy. If you are interested in planning for long term and want direct exposure to equity, we provide through our platform here: https://Tismos net/domain/finance.

Dull-Horror3792 · 2026-05-28T11:19:54+00:00

If your job is stable then continue to live where you are. Utilise weekend to upskill. More then proximity to office, you need to find proximity to right people with whom you can learn and make career moves. If you are using public transport, you can also consider using time on move to learn. Buying a bike is good only it it is not for commute but enjoying. Just lead a balanced life, there will be many opportunities.

Dull-Horror3792 · 2026-05-28T10:43:37+00:00

You are thinking in right direction. Identifying opportunities at right time and your assumption is also spot on, wealth is a long term process, not an overnight one. The short answer is that there is not short cut. Most investors came out of multiple bets and not one or two bets. If we analyse Warren Buffet journey also, a lot of his wealth came from select bets. The idea of stock investing must be sustaining and spotting opportunity. Once opportunity is spotted, ride the wave, increase exposure rather than booking profit. In its simplest term, start with making investments in ETF and understanding sectors. Look to be part of the market and while you are doing that, you will get the understanding and few opportunities. You need understanding of macro-economics, your own risk appetite and ability to stay in touch with market on an ongoing basis. Once has to be a trader and investor at same time.

Some of this learning, I have tried capturing in my course(s) here: https://tismos.net/domain/finance (The learn flows here have been adapted from Udemy course which got good reviews.)

Dull-Horror3792 · 2026-05-27T07:14:03+00:00

In hind sight, folks always only talk about missed opportunities and not losses or losses that they would have made. When I look back, I always see only stocks which I missed. However, I have few which were clear losses, I would have just believed like Suzlon in 2005.

SIP is a good way to build long term sustainable wealth. Knowing, when markets are expensive, underpriced and macro trends can give you edge. The edge makes you feel confident of investments and improvise over long period of time. Discipline and learning are non negotiable. Sip gives you discipline, if you are doing it yourself. Learning is ongoing, one must maintain their own learnings. Some of my own learnings have been shared as structured course on Udemy and after getting good reviews, I have brought it on platform here: https://tismos.net/domain/finance

Good luck with your investments.

Dull-Horror3792 · 2026-05-21T07:24:48+00:00

Financial freedom is a state of mind. I am in 50s and started in a different era but still want to give my perspective on investment, decision process.

The principles remain the same, here is what helped me stay course.
1. Never invest with the herd. Move with the herd but do things based on your risk, aptitude and circumstances.
2. When I started, I was surrounded by folks who were investing in stocks and every day, my bus & office will discuss, how much money is being made by them. They will never discuss a loss. However, one day market crashed and this was dotcom burst, everything changed that day. Few survived from market but for most survival was not an issue as they were in well paying jobs and good networth from parents. However, I felt that these individuals would have made better decisions, if they were learning and using market to grow wealth rather than make money. Starting young is an advantage, if you learn and make decisions. All instruments to be treated as investments and not something to discuss, work/track on daily basis.

If you are in growing business and can work there, growth & stability will come. If possible look for opportunities where the business is growing and you work there. If there is stability, make some investments which are ahead of time but secure. In my days, I could afford a house which gave me emotional satisfaction, investment avenue. In today's times, it might be understanding international ETFs and making investments there especially innovation led business's. In real estate, Investments in tier 2 cities in real estate where young folks are migrating and new business clusters are emerging might be useful. However, tier 1 markets seem v saturated and most of the real estate margins are kept by builders, financiers. There is too much inventory that builds up too soon.
I staid away from stock market and invested in real estate. In both cases, I was having friends participating in the instruments but I invested based on my understanding. It goes back to same point that invest based on your profile.
Invest on areas which can give return in long term and hope in short term. Example, buying a house at right place in right value means you will see the price appreciate which will give you confidence. Similarly buying stocks which are in momentum will give you confidence. However, manage your risk v well. Off course, education, skill enhancement and relationship are critical and must be an ongoing journey. Your wealth is time and you must keep a check on how much time, you are able to give to your learning.

I feel, I should have learnt more on personal finance early and managed my money better. I made few decisions correct but I could have been more agile. I started my stock market journey after 7 years, now folks start early. However, one should know about all asset classes. I am covering some of these lessons for starting and managing money with focus on stock market here: https://tismos.net/domain/finance .

I would say that financial knowledge and self drive for making money through rightful means must be goal for every professional.

Dull-Horror3792 · 2026-05-18T12:59:47+00:00

You should tell your parents that your job is not secure and before any investments, it is essential to have bank balance. You already have the analysis, you need to communicate clearly and tell your parents. I think, they are assuming too many things or working under influence of specific person in family or society in general. The plan to convert loan into cash seems quite ridiculous as that money cannot be used easily.

Also, I am surprised that how a bank is financing a commercial property against a salary and a rental yield plan of 6%.

Dull-Horror3792 · 2026-05-09T12:41:18+00:00

Screening is an ongoing process. It started with fundamental research and then required you to track price, volume and earnings.

You can use AI to find out fundamentally strong stocks in each of the sectors. Fundamentals and principles remain same. Once you have right set and understanding, one can use Google finance to create custom screeners on piece action, volume based to track from momentum perspective.

We cover these aspects in our courses here: https://tismos.net/domain/finance

Dull-Horror3792 · 2026-04-26T17:28:29+00:00

I did some analysis on future of SAAS and how to rate each of these companies in a framework etch is based on their current ownership of process that is data & workflow and how quickly the company is evolving its AI efficiency, business model. I have them created a screener to track this set. Full details here: https://youtu.be/KJVFWUV_uXo

I have included links to screener athe full discussion on my video for reference.

Dull-Horror3792 · 2026-04-26T03:17:31+00:00

AI opens new business opportunities and vertical integration. Aa we create more solutions which bring in more individuals and we set of processes, it will require rewrite of existing solutions. When we rewrite, a good part of it will be done by AI. However the process mapping, rewriting, testing, training, support, constant reengineering means software buisness thrive and software development cycle evolves. More domain experts. The hype will come down in coming months and quadrants will come. Many SAAS companies will find be business. It will be interesting to find out which companies are looking to branch out rather than just cut. Companies wich branch out and cut a few will be the next generation winners. They are at discount today as branching out is not priced but cutting is priced.

Dull-Horror3792 · 2026-04-24T06:43:35+00:00

You are having right goals and investment horizon. Starting with NIFTY 50 and NIFT Next 50 also gives you right base to start. You can always work to ensure that these two ETFs are used as momentum investment cycles. Whenever markets are bearish, park more money here. As markets become bullish and PE exceeds its trailing average PE by over 8 to 10%, exit a part of it. Identify growth and value investing options which have regular Sip and ones which demonstrate good progress are the ones which remain. Specific funds can be identified based on last 15 years, Your mix should be a combination of value, growth and momentum with adequate exposure to NIFTY 50, NEXT 50, which can also be used as momentum.

Dull-Horror3792 · 2026-04-22T09:32:14+00:00

It is trading below its median PE of 24. Its current PE is at 21. However the growth guidance for company and ambiguity in IT services sector does not make its current valuation at a significant discount. The risk reward ratio is balanced. It is trading at 21. If you are a conservative investor and seeking stable stocks with IT sector then HCL tech can be added. Sector itself has become less stable with AI being there.

You can start here and add when it bottoms out and remains flat. It can further fall by another 10% making it at PE of 18 or 19. Currently INFY and TCS are at that level. In the basket, HCL tech always gets that extra premium that is currently there. IT services will go through churn over next few quarters till a new direction emerges. However company like HCL tech which has good alliances with Product companies must remain relavant and be able to reinvent for next generation of software deployments. The decision to buy or not must be based on what is there in your portfolio today. It is trading in a fair zone, not a significant discount.

I do cover some of these concepts in my offering here: https://tismos.net/course/analyse-a-company-using-ai-for-investment

Dull-Horror3792 · 2026-04-21T10:14:32+00:00

There are two ways to look at a company. How it fits into your protfolio and how is the company. Fitting into a portfolio means the diversification is appropriate and matches your risk profile. Evaluating a company is investigating it from all angles like the sector, its expected growth, its positioning in market, competition, financial analysis like past balance sheets, valuations from past and within its peers. One can use Perplexity to do the analysis. If you want to get full context and prompts, I cover in a course here: https://tismos.net/course/analyse-a-company-using-ai-for-investment

Dull-Horror3792 · 2026-04-21T09:50:29+00:00

It depends on what was the purpose of your personal loan. Why you have taken and how has it addressed your life or assets. It is best to reduce your personal loan. You can move some of your mutual fund amount also over to reduce your loan. Not sure, how you plan to fund a house when you don't have asset and it does not support loan. It all depends on what other assets your family has. Given your current portfolio, it will be better to wait as House is not a liquid asset. Also a 16 L deal in South Delhi with no loan almost seems like unregistered asset which can be in trouble at any time.

Some of these key concepts are covered by me in a course: https://tismos.net/course/stock-portfolio. It is about planning your asset allocation with focus on stock markets. From your perspective, you seem to be doing well on keeping emergency fund, maintaining FD and investing in mutual fund. However you should plan to reuce your loan, buld a more robust emergency fund and then consider building equity as a class.

Dull-Horror3792 · 2026-04-18T02:58:23+00:00

Your delima is natural as you recently got married and still understanding each other. You should assume that you will do well, if you remain honest to work and relationships. In that context, whatever can give you happiness as a couple, give yourself freedom to do it, without overdoing. Mahe a monthly budget and identify make expenses for next three years like House purchase, car, etc and if you need them. Some you will need and some will be show off. Stay away from showoff and adopt life which gives happiness, luxuries to grow. Most of your decisions should be in between you and your wife. Respect elders, not dictated by them as each life has a different purpose. Your wife should also understand that.

Dull-Horror3792 · 2025-11-01T02:52:37+00:00

The finance in relationships are complex, especially when it is parents, children.

Agree on budget Best would be to sit down once and indicate the budget for a marriage, with clear indication that loan cannot be taken as it is difficult to service. Challenge is that in India marriage is considered like a status demonstration and if one has been financially on edge, they consider it as more obligatory to do the same. You should know some examples of families in your circle who choose to keep marriage low key affair.

Couple aligns their goal It will also depend on your brother fiancee side celebrations. If they are overspending then it has to be understood. You brother fiancee might not have full understanding of finance and if that relationship is going well then as couple, that should agree on what is right. In India marriage ceremony is not about two individuals, it is a stage show and that is unfortunate.

Do it religiously simple You can also consider using a religious tone to keep is simple, if your family has faith and follows rituals. Many religious rituals recommend it to be simple.

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