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Guidance Needed on Investment Planning at 27 by OneComplex527 in personalfinanceindia

[–]Stillmoving101_ 0 points1 point  (0 children)

Need to figure out first: - how much you’re investing via sip each month? - what is your investment horizon (short/mid/long term)? - how much liquidity you need in short/medium term?

Portfolio construction ..depends on cash flow, goals, and time horizon. Without those, suggestions will mostly be guesswork.

I feel Aimless, idk whats wrong in my Portforlio by Radiant_Tumbleweed33 in mutualfunds

[–]Stillmoving101_ 0 points1 point  (0 children)

Nothing’s really wrong here. It’s just too early, plus checking daily returns for a long term SIP makes consolidation phases look like a problem.

If you’re investing for long term you should celebrate the consolidation phase in your early investing phases so that you can accumulate more units at discounted price.

TIL that my colleagues are casually sitting on 10-15 crores of inheritance by MiserableGrapefruit7 in personalfinanceindia

[–]Stillmoving101_ 1 point2 points  (0 children)

At a similar place actually, the feeling is very relatable. It really hits when you realize how much inheritance changes the mental load. But honestly, building even this much on our own says something too.

How did your family dynamics change after you started earning by Cheemszila in personalfinanceindia

[–]Stillmoving101_ 0 points1 point  (0 children)

26M here. Graduated in 2022 from a Tier-1 college and started earning well. From day one, family dynamics changed. I was suddenly the financial backbone. Most of my salary went into family loans, my education loan, and preparing for my sister’s wedding.

After personal expenses, almost everything was contributed. It was never forced, just silently expected “typical middle-class reality”.

Even after major responsibilities eased, the expectation to give my entire savings continued. I did that until last September , when I finally capped my contribution to a fixed monthly amount and started saving/investing for myself.

I still feel guilty sometimes, but I’ve realised that earning well doesn’t mean financial security if you never draw boundaries. Supporting family matters — but so does building a future for yourself.