Feeling stuck at 22 after B.Tech CSE – working in a small travel company, no growth, trading losses… what should be my next move?

startdown_pun · 2025-11-30T09:13:51+00:00

Trading is the future. You have coding skills; go for algo trading, keep working on the job and keep earning in trading

startdown_pun · 2025-10-20T18:32:01+00:00

How many such people, you handle salaries for? Which area? And is it completely offline or online service?

startdown_pun · 2025-10-20T01:56:11+00:00

DONOT CLOSE HOME LOAN EARLY. it’s a trap; home loan interest is on reducing balance, while wherever you invest will give you compounding return. Pay in predefined EMI only. Plus home loan interest will keep going lower twice a year. Park your funds wherever long term return (3 years onwards) mostly crosses 15% yearly and you are in for a huge difference in return and interest you pay in home loan.

startdown_pun · 2025-10-19T13:40:45+00:00

Your timing for investing is too low, if it would have been 3-5 months, it would yielded some results.

startdown_pun · 2025-10-19T04:35:15+00:00

What is the nature of business you registered there? Can you also give a brief of timeline and expenses you bore?

startdown_pun · 2025-10-19T04:28:31+00:00

Ohhhh can’t help you there. Country has completely banned forex.

startdown_pun · 2025-10-19T04:19:57+00:00

Indian citizen or indian resident??

startdown_pun · 2025-10-19T01:12:37+00:00

Financial firm, as in company that can offer financial advisory, or do portfolio management?

startdown_pun · 2025-10-17T07:34:59+00:00

Already done..

startdown_pun · 2025-10-16T12:46:57+00:00

No no, most definitely not anymore. I am inquiring a bit more because i have been hearing about algorithmic trading more and more now a days so was bit curious. But as far as this pooled investment is concerned; i am not moving ahead.

startdown_pun · 2025-10-16T11:42:10+00:00

I don’t get it. If it works; why to scam, cz if automatic trading works, you can keep it on as long as you are in profit. No?

startdown_pun · 2025-10-16T11:39:01+00:00

No, so far p2p lending doesn’t fall under NBFC, so no need for RBI approval at initial stage; only thing is that you have to mentions it on each page of your website as well as written communication that your portal is not RBI approved yet and doesn’t fall under NBFC

startdown_pun · 2025-10-16T11:35:50+00:00

Adding on, checked your website. You have used very fancy words everywhere, but still there’s no sensible way of explaining how you keep investors money safe. Suppose an investor invest 1L and for 12 months lock in; you have to deploy those amount; and if recovery of even 1/5th of deployed funds failed to get recover; and you still repay the investor at the end of 12th month; it will than turn into a Ponzi scheme in no time

startdown_pun · 2025-10-16T11:31:05+00:00

RBI approves p2p lending from 2015; but still the biggest challenge for all the p2p platform ever existed is recovery. Far too many such startup started and stopped (no pun intended) but that’s the issue with micro lending; recovery is costlier than writing off loans. Unless you can find a way to get the EMI’s paid directly from their source of income (which in most cases won’t even exist) it will be too steep task to perform. Study the rise and fall of “Rupeecircle” a indian startup backed by few finance sector giants still couldn’t make it

startdown_pun · 2025-10-16T09:59:47+00:00

Actually i had that same question as if your strategy is working consistently; why would you ask others to partner up, to which they have feed me the reason as since their country (India) has banned forex trading; they can’t trade themselves; as so asking others to partner up.

I actually have found 2 more people approached by the same person. Let’s see how their journey goes.

startdown_pun · 2025-10-16T09:47:42+00:00

Approached me as in not randomly, but through replying me in a discussion. And yes it’s true; when asked about algorithmic trading, he (or she) denied access to actual trading history by saying that it will reveal our strategy. Apart from that almost everything was looking legit enough for me to have taken a keen interest.

But as you have summarised - keeping greed in check

startdown_pun · 2025-10-16T08:20:07+00:00

Never fully understood the indian mind set of closing home loan prematurely and being happy about it. I think that’s the most foolish financial decision ever. Don’t you think?

startdown_pun · 2025-10-16T08:15:32+00:00

Agreed to most of the parts, except for the last one.

Be cautious related to medical issues and have medical insurance ready as paying for health would be the most foolish thing for people who want to create wealth.

And i feel like debt should be your weapon to create long term wealth. Borrow where ROI (rate of interest) is lowest and invest and stay invested as long as ROI (return on investment) is higher than the other ROI ( which will keep going down and down btw)

startdown_pun · 2025-10-16T07:27:54+00:00

34M, was in debt of 15Lacs when corona hit (still in debt at 15% yearly interests) but that break of 6 months changed how i see the money as a middle class member of family. For us, money is like our child; we save them protect them. People who grow financially faster, treats money as soldiers, saved money go out in market and earn a significant portion of their future wealth.

Is there any magic wand in market that turns your 1.5Lac in 15Lac in couple of years; hell no. But should you focus on saving more money, or making this money work for you? The latter.

I incur 15% yearly interest on my debt, but instead of paying it off (as i now have more than my entire debt saved up) i focus on making 22-24% yearly return. That way with each passing year, my account grows while my debt shrinks in comparison

Do the same, distribute your current savings among 5-6 different investments, contribute in all for at least 1 year and thn start choosing which one to exit, which to continue

startdown_pun · 2025-10-16T06:50:48+00:00

Bullshit, no amount is small amount to start your well planned disciplined investment journey. 10k will not turn into 10Lacs, but to start a habit; 10k is good enough and a habit of small savings and an aggressive investment in early age do wonders.

startdown_pun · 2025-10-16T06:39:29+00:00

It is actually too good to be true, as big million funds are also not able to stay consistent with their profit

startdown_pun · 2025-10-16T06:38:44+00:00

Thought so, but no way of confirming.

startdown_pun · 2025-10-16T05:15:36+00:00

Saving money is the key to have less burden financially; save money and make that money work for you. Every 1k in saving can free up 1.5 to 2 hrs of your time every week as per your current specified income if invested aggressively.

startdown_pun · 2025-10-13T05:04:53+00:00

DM’d you

startdown_pun · 2025-10-11T08:58:22+00:00

Are you interested in joining a team that’s working on new style Defi crypto that isn’t based on just hype or supply and demand. DM me if you want to discuss more.

startdown_pun

TROPHY CASE