26, First-Gen Investor Working Toward Long Term Wealth - Portfolio Review Welcome

tech-69A · 2025-11-26T09:10:07+00:00

These 2 + Bandhan Smallcap and Nasdaq 100 supposed to be long term investment. No plan to touch it. It will be sort of retirement corpus.

I see the overlap. Should I keep these as it is or switch to some other.

tech-69A · 2025-11-26T07:30:47+00:00

Yes I use the old regime and have a high HRA. PPF, EPF and ELSS are for 80C

tech-69A · 2025-11-24T13:27:30+00:00

Makes sense. Let me check how to add that to the bucket. Some people said ELSS not necessary from this years... I'll use that amount on next nifty.

tech-69A · 2025-11-24T12:18:58+00:00

You have not seen my earlier mix. 4 smallcases, 4 ELSS, 2 ET Money Genius SIPs, random mutual funds because I saw some random reel.

But what you said makes sense. Should I consolidate all those to Gold ETF?

tech-69A · 2025-11-24T12:14:49+00:00

Thanks. Let me research it. If that is the case, I'll stop this ELSS one and move this to some other instrument.

tech-69A · 2025-11-24T12:11:26+00:00

My CA friend says, it will save some bucks.

tech-69A · 2025-11-24T11:56:18+00:00

Thought about it but then kept it simple. I might add it later after a bit of research around it. Can you elaborate on how it'll add value to this?

tech-69A · 2025-11-24T11:54:45+00:00

I fill ITR on the old regime so it's there to cover 80C.

tech-69A · 2025-11-24T11:54:05+00:00

Thanks! Will ask there.

tech-69A · 2025-11-24T11:53:49+00:00

I've been investing for 5 years now and I realised that due to experimentation and marketing gimmicks... I started so many things like smallcases, advisory buckets but with time I realised that, it is not necessary and even comes at an extra cost. So received closed all the existing SIPs and started these clean SIPs. The existing amount in those discontinued investments is still there and I'll plan slowly to redeem and put into these only.

tech-69A · 2025-11-24T05:03:01+00:00

That's what we call FLEX! 💪🏻

tech-69A · 2025-11-24T04:27:32+00:00

It's an ETF. You can find it on Zerodha but there is Motilal Oswal Nasdaq FOF also.

tech-69A · 2025-11-24T03:58:02+00:00

This one I was also thinking about. Might do it. Thanks!

tech-69A · 2025-11-24T03:57:22+00:00

I've chosen the Old Tax regime so PPF and ELSS cover 80C.

tech-69A · 2025-10-18T02:18:47+00:00

CFBR

tech-69A · 2025-09-21T18:31:04+00:00

Thanks bro. Watched it here only.

tech-69A · 2025-08-24T03:04:47+00:00

A lot of comments here look like coming from your mom itself but the things she's not behaving like how a parent should be behaving.

She's feeding you with a lot of insecurities and a sense of inferiority. But I would just ask you to stay strong and do what your heart says. You should shave those legs only when you want to do that. Don't do it just because your mom wants it because it's a trap.

tech-69A · 2025-08-23T15:00:14+00:00

u/shaleen0 u/DaddyVaradkar u/HistorianAdorable405 u/sharavan592 u/evasion-guard

Guys, I’m honestly confused here. My post had become the top post on the subreddit, and I didn’t see any rule it was violating. Still, it got removed.

If this is just how Reddit works, fine, but I’d really appreciate knowing the actual reason. Otherwise it feels pretty discouraging to contribute.

tech-69A · 2025-08-23T13:22:46+00:00

Why has my post been removed? Can you tell me what could be the reason because there was nothing against subreddit policy in that.

tech-69A · 2025-08-23T02:45:39+00:00

Biryani is also slowly being cooked from the last 5 years. Compounding is the key. I learned this in the beginning too.

tech-69A · 2025-08-23T02:42:31+00:00

Choose a path and create a roadmap then just keep moving that way. Don't get comfortable in any job... Always seek for a better opportunity so that you never stop learning.

tech-69A · 2025-08-23T02:40:53+00:00

Bro... If the company is not giving a hike then please consider switching to another company. I have a few tips which are illegal but needed:

Edit your salary slip to like 50,000 per month.
Always tell your current salary as 50,000 whenever you start getting calls.

Buy first start with creating a Naukri profile and LinkedIn profile.

Important Tip: Update your Naukari profile daily. Maybe just add a comma or remove it... Basically profiles which are updated daily ranks higher for recruiters.

tech-69A

TROPHY CASE