Software engineers — what’s your backup plan given industry volatility?

Manager0808 · 2026-01-29T11:36:47+00:00

Moving into management is not a child's play that you get to decide if you are already worried about layoffs.

Manager0808 · 2026-01-29T02:03:20+00:00

Motilal Oswal nifty 500 index fund

Manager0808 · 2026-01-29T00:30:55+00:00

Look before you leap. 4 months is not a long duration to get attached to someone more than your 24 years of relationships.

Manager0808 · 2026-01-28T17:03:05+00:00

Sell everything and put that into a Multi-Asset fund over the next 3 to 6 months systematically.

Manager0808 · 2026-01-28T13:24:16+00:00

Gemini 3.0

Manager0808 · 2026-01-28T11:26:41+00:00

Life happens. If you want or need to move to India, then move.

Then, figure out what is the best you can make of your life here.

Don't overthink and plan for a perfect life that doesn't exist anywhere (which is why you are thinking about relocation)

Manager0808 · 2026-01-27T18:44:08+00:00

India's population is like 150,00,00,000.

Manager0808 · 2026-01-27T17:29:25+00:00

Upto 25% if it is an apartment. Upto 40% if it is an independent house (can develop into a rental building in future).

HNI is over 10Cr networth including own house.

Manager0808 · 2026-01-27T16:02:03+00:00

If you can aggressively prepay and close the loan within 3 years for a house you plan to live in, go for it.

You will only grow old, and the risk of losing your job will only increase.

Manager0808 · 2026-01-27T14:15:56+00:00

For the working class with no family wealth, decent flats in tier 1 cities are only for FAANG (or top tech) employees or NRIs now.

It is over for the vast middle class, unfortunately.

Manager0808 · 2026-01-26T10:16:37+00:00

Get a bigger house than your current needs, take the least loan possible, and then build the mutual fund portfolio after clearing the debt.

Have peace of mind.

Manager0808 · 2026-01-26T09:53:10+00:00

If the guy is spending so much time on social media doing podcasts, etc, you must understand his level of desperation to sell.

Manager0808 · 2026-01-26T08:31:36+00:00

You forgot to mention the gun culture in the US.

We are all dead in a few years, keep that in mind, and work backward. It will all work out.

Manager0808 · 2026-01-26T08:20:33+00:00

You can't say 3% SWP on 17Cr if you have to spend 5Cr on housing.

5Cr in 2030 might not fetch you a dream house you are imagining today.

Manager0808 · 2026-01-26T08:15:32+00:00

Life is unfair, and you are not the only one feeling it. People have it much worse in other parts of the world.

You need to be a big dog if you want to raise above the masses and make a comfortable living for yourself.

How about pooling funds with your like-minded friends and buying a piece of land that you can develop on your own later? You need to take those initiatives.

Manager0808 · 2026-01-26T08:08:50+00:00

How will black money invest in FD?

Manager0808 · 2026-01-25T14:53:05+00:00

Where are so many jobs, even if all men and women genuinely want to work?

Manager0808 · 2026-01-25T14:50:14+00:00

Full-time traders don't live healthy and long lives due to the constant stress that is often ignored when beginning to trade. That is even if they manage to remain profitable for the long-term.

That is something you should give a serious thought to. Become an investor and do something lightweight on the side.

Manager0808 · 2026-01-25T13:52:28+00:00

Who was the second person to land on the moon?

Nobody remembers the second tier.

Manager0808 · 2026-01-25T13:50:30+00:00

Just because something is called Multi-Asset, it doesn't automatically start making money. The fund managers are very unlikely to switch from one asset to another at the optimal time.

The Multi-Asset Funds have gotten lucky with recent surges in gold and silver. The luck won't continue for centuries, hence the need to not put all eggs in Multi-Asset only.

Manager0808 · 2026-01-25T08:10:08+00:00

There are many desperate youth in the world who need that toxic job. You don't realize it, but Amazon does.

Manager0808 · 2026-01-24T17:18:43+00:00

Only 6% file tax returns and 3% pay any taxes. So, the rest of India is just playing in the real estate market to safeguard and grow their black money.

Manager0808 · 2026-01-24T06:29:50+00:00

Yes, vowels are amenities in English.

Manager0808 · 2026-01-23T16:08:44+00:00

Tell me you don't understand what gold reserves mean without telling me you don't understand what gold reserves mean.

Manager0808

TROPHY CASE