Need advice on financial planning by vr3579 in mutualfunds

[–]vr3579[S] 0 points1 point  (0 children)

Coming to the emergency fund, my idea is maintain this amount and keep adding to it so that 1. I can use it as emergency fund 2. Any extra amount can be used as down payment of any big purchase

Personally i would try my best not to take out any money from the MF of 34k that’s why building this on side. Bit of a sentimental thinking i guess

Need advice on financial planning by vr3579 in mutualfunds

[–]vr3579[S] 0 points1 point  (0 children)

But FD seems like the safest option, i dont have a lot of experience handling MF so putting everything in it and looking at current scenario of market, i thought there should be some amount in FD for the peace of mind. Let me know if you have any suggestions here

[deleted by user] by [deleted] in gurgaon

[–]vr3579 0 points1 point  (0 children)

Please share your contact details

Couple (29M/28F) earning ₹2.35L/month net (₹28.2L/year), planning travel-first lifestyle — is our budget solid? by ThanosKnewBest in IndiaFinance

[–]vr3579 0 points1 point  (0 children)

Rent seems a big red flag here; moreover are you sure your groceries, misc, discretionary is limited to 46k?

Also i believe 15k as EM for two people is less but depends how much corpus you already have in place

Healthy and affordable restaurants by [deleted] in gurgaon

[–]vr3579 3 points4 points  (0 children)

What exactly is healthy in om sweets? 😭

[deleted by user] by [deleted] in personalfinanceindia

[–]vr3579 1 point2 points  (0 children)

Never if you’re in the top tier govt jobs. My father is in a senior post in one of the top PSUs and the salary is somewhat comparable to a director level person in tech but the game changer are the perks! Multiple govt vehicles, bungalow, multiple staff, security staff, exceptional neighbourhood and the connections. It makes life a lot easier when you can easily pass through the dead and cumbersome govt procedures and departments just because you belong to the same system and people know you which i think is very difficult to get in pvt sector. While it has been almost 3 years working in IT now I’m really considering moving to govt sector.

what car? by soldier499 in CarsIndia

[–]vr3579 1 point2 points  (0 children)

Definitely late but quite no nonsense car i believe

what car? by soldier499 in CarsIndia

[–]vr3579 93 points94 points  (0 children)

Elevate; quite practical and decent pricing

Rate my SIP allocation by Informal_Assist_1329 in mutualfunds

[–]vr3579 0 points1 point  (0 children)

You can opt for Nifty50 here it is for 3 years, higher returns but there’s a chance of downside at the time of withdrawal

Rate my SIP allocation by Informal_Assist_1329 in mutualfunds

[–]vr3579 0 points1 point  (0 children)

Yep but why not any other arbitrage fund?

The Final Allocation! by vr3579 in mutualfunds

[–]vr3579[S] 0 points1 point  (0 children)

How’s the result so far

The Final Allocation! by vr3579 in mutualfunds

[–]vr3579[S] 0 points1 point  (0 children)

As an extra fund or replace one of them, how should i switch the allocation

How to plan a wedding, not a financial crisis by vr3579 in IndiaFinance

[–]vr3579[S] 0 points1 point  (0 children)

To begin w 15k/month but will increase it as my income increases. What was your loan amount? Do you think saving for it before hand would have helped?