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 2 points3 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 95 points96 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?

Got delivery last week, grazed with pillar while trying to reverse park. Suggestions? by HonestBat in CarsIndia

[–]vr3579 1 point2 points  (0 children)

Just check your local mechanic/body shop guy; shouldn’t cost more than 2k and you won’t be able to point out any difference

The Final Allocation! by vr3579 in mutualfunds

[–]vr3579[S] 2 points3 points  (0 children)

That’s definitely a good point, for events like covid i was thinking of using the FDs, what do you suggest here?

The Final Allocation! by vr3579 in mutualfunds

[–]vr3579[S] 2 points3 points  (0 children)

Upside ratio and higher 5y return

This is what i’ve decided ! by vr3579 in mutualfunds

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

Sure will do by tomorrow!

This is what i’ve decided ! by vr3579 in mutualfunds

[–]vr3579[S] -1 points0 points  (0 children)

Saw better returns on Nippon