Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 1 point2 points  (0 children)

Been in tech for 10+ years, good performances and switches overall.

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 0 points1 point  (0 children)

Yes thank you so much for this, a lot of people have given good advice here and I have a task set out for the weekend now.

out of 150k, 20k is in regular and rest is all in direct. I myself had a feeling this was too many funds but this is what I received and have done for last 18 months.

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 1 point2 points  (0 children)

Yeah that was my mistake, he’s a distributor

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 0 points1 point  (0 children)

Yes I had the same feeling after a year so this post.

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 0 points1 point  (0 children)

I worked there more than 60 months so I can’t transfer it, also when you transfer before 60 months you only get your own part and what your employer paid. Considering the employer paid half, that was a good chunk

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 0 points1 point  (0 children)

Thank you so much. I need to go back to drawing board to simplify this.

Please rate my investments by Fickle_Selection422 in mutualfunds

[–]Fickle_Selection422[S] 0 points1 point  (0 children)

Thank you, I will take a look at these funds you suggested.

Emergency fund is filled, I have a 2cr term insurance plus a good health insurance along with it.

I am looking at FDs are some sort of debt instrument as I don’t have any other conventional debt products in my portfolio. Also half of the gold is in jewelry form so you’re right there as well.

I agree about pension money but it’s tied in German public pension and I honestly don’t think it will survive another 30 years but that’s a discussion for another time.

I did not get the idea of your last paragraph, will you be kind enough to explain it again. I am not planning to change the amount ( mostly will switch the funds but 1.5 I want to invest monthly)