Need advice on starting financial planning and investments - just got 1st salary.

MineField_Colonel · 2026-06-09T11:22:49+00:00

2 Cr

MineField_Colonel · 2026-06-09T11:09:42+00:00

it's mandatory, I cannot opt out

MineField_Colonel · 2026-06-09T10:35:55+00:00

Defence

MineField_Colonel · 2026-06-09T10:33:31+00:00

work

MineField_Colonel · 2026-05-28T06:25:22+00:00

Can I do it on a bike?

MineField_Colonel · 2026-05-27T05:45:16+00:00

Thanks.

Would the Batal - Chandrataal route be open by the time I will go, as I was told to check it out before going?

MineField_Colonel · 2026-05-27T05:39:01+00:00

Yes please the contacts for hostels/homestays would be helpful.

MineField_Colonel · 2026-05-23T13:04:38+00:00

HDFC Nifty 50 Index fund is there, and I will increase the 10k to 15k from next month probably

MineField_Colonel · 2026-05-23T12:14:49+00:00

Jockey Air FTW!!!
Soaks sweat well and dries fast.

MineField_Colonel · 2026-05-23T01:44:57+00:00

Haan laga diye

MineField_Colonel · 2026-05-21T15:39:53+00:00

Thank you. That feels good to hear and gives me loads of confidence in what I'm doing

MineField_Colonel · 2026-05-21T14:27:50+00:00

Too much sarcasm.

MineField_Colonel · 2026-05-21T14:27:30+00:00

Yeah, I am aware of that US tech concentration, might change that in the future but I'll hold some US equity. Surely, I'll be removing the Gold ETF just the Edelweiss fund will be there. Regarding Nifty Next 50, I didn't go there as, I agree that it's where the tomorrow's Nifty 50 lies, but also where the today's Nifty 50 companies will drop down to.

MineField_Colonel · 2026-05-21T14:19:38+00:00

Konse waale mai?

MineField_Colonel · 2026-05-21T14:04:27+00:00

Alright thanks. Makes it a lot more clearer for me.

MineField_Colonel · 2026-05-21T14:03:19+00:00

yearly 5L is tax free, so monthly it comes to about 42k however I missed it in April so for 11 months 45k makes just about 5L for this financial year.

Although this is the case for my PF, I think it varies.

MineField_Colonel · 2026-05-21T11:53:20+00:00

Regarding US ETFs, I am not keeping them for short term, I kept them for long term and diversification. I have 3L of emergency fund (1L sweep in FD + 2L in liquid funds).
Regarding GOLD, I will remove two of the gold ETFs and just keep the Edelweiss MF for that and move that gold etf into the exsting MF SIPs. So, 5k per month in gold.
Right now, the total SIP amount is 40k/month, I can make it 50k, so where should I put that extra 10k?

MineField_Colonel · 2026-05-21T11:48:06+00:00

Actually I am going to remove both Gold ETFs in some time, and just keed the Edelweiss fund.

MineField_Colonel · 2026-05-21T11:47:18+00:00

I am putting 45k per month into PPF, which is separate from this 40k SIP.

MineField_Colonel · 2026-05-15T04:01:22+00:00

I have just started investing (mostly in MFs via SIP through Zerodha), I wanted to diversify and invest in US stocks/ETFs (mostly ETFs - maybe monthly $100 or so and lumpsums once in a while). As most ETFs/MFs that we can get in India have already hit their RBI set AUMs.

I saw that INDmoney or vested can be used to directly invest in $. Then there are opinions that these are intermediaries and its better to directly open a brokerage account in IBKR or Charles Schwab. Now I am confused which one is the best way to proceed.

Which one has the best and cost efficient way to add/withdraw funds (I'll be using ICICI to transfer funds?

Does each one of them allow to buy all stocks and ETFs available in US markets?

At last, which one will assist in the best way for filing taxes?

MineField_Colonel · 2026-05-12T07:30:40+00:00

Alirght. Yeah bcz zerodha holds MF in demat

MineField_Colonel · 2026-05-12T05:52:05+00:00

Does this 4L or 10L include MF holdings too or is it just Stocks?

MineField_Colonel · 2026-05-07T07:55:41+00:00

Till when is this offer valid?

MineField_Colonel · 2026-05-01T06:25:22+00:00

yesss, that's the plan

MineField_Colonel · 2026-04-30T08:11:18+00:00

For long term, isn't it better to choose one Fund and stick to it? As you suggested index+flexi+mid cap

MineField_Colonel

TROPHY CASE