/dhan/ - Personal Finance & Economy

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#675

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I am thinking on a plan to invest all my salary to an SIP for the next 15 years. What does Bharatchan recommend? Is it worth it? Should I try for smthing else?

#678

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Should I buy 2 kg silver as investment? I want it to be double by end of 2027

#532

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Should I become a pimp? Is it profitable? Where to find girls?

#686

How do i make money from AI

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i want to make an ai influencer, i dont have much capital with me now, only got 1k, how do i generate realistic images of beautifull indian girls? i wish to make money from insta, this is still new in india, i think this can be a good side hustle and...

#684

why i want an officer level govt jaab

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capitalism is a system that cannot exist without poverty. for one man to have a billion dollars, he needs to have 10,000 people flipping burgers for 5$/hr. and who will flip burgers for 5$/hr ? broke and homeless people. that's why big corpor...

#640

1 lakh in 6 month

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i live in tier 2 city i want to make a 100000 in next 6 month yaaro i tried teaching tuitions but didnt help much just cover my chotu bills no saving i want a bike from this money. i can't get a one that's reqquired to go out dont wanna cat...

#662

Bank Account Frozen

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Basically >Be me, Arya chud. >Shady friends all arround >One day I get a notification >My account is shuts downs >I can't use it to pay anymore Oh nyo >Bank balance is in negative >-1000 account balance now >Check my bank account now >...

#358

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If anyone wants to know more about day trading, thread #9762 on inch of 8moe

#490

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2035 may become gold rush for manufacturers due to explosive demand as india will have peak middle class then. how are you preparing for it? i dont plan to be a consoomer only, what should i invest in? what should i try to build?

#82

NEETs assemble

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Point of this post is to evaluate career options based on your current qualifications, finances and home situation. Kindly list them out so that I can give you credible advice. I decided to make this thread after some interactions on /b/ that made ...

#1

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Adani bros?

#594

Freelancing income

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I made this money from freelancing on top my regular salary(before tax of 15%), I genuinely don't know what to do with it apart from investing it, god I wish I wasn't such a loser, I don't even know why I am putting the extra effort for this.

#590

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https://www.kviconline.gov.in/pmegp/pmegpweb/docs/jsp/newprojectReports.jsp Thank me later when we all chuds get rich,

#583

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GTFIH, it's happening

#582

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I don't know anything about investment or /dhan/. Just asked chatgpt and it gave me a few options about investments, should i go ahead with this SIP plan? .

#228

India agreed to buy Gold and rare metals to fix the deficit with USA

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Get in here sirs. What does this mean?

#572

Modi ji talking about digital currency

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What do /dhan/dhos think? Possibility of gormint phasing out cash entirely with digital equivalent by 2040? Or make it such that cash becomes the secondary mode for commerce.

#502

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how do i become a chaebol? where should i start from? small scale manufacturing? trade? reselling? tell me yaaron, i want to be relevant in next 30 years when india reaches 20 trillion dollars GDP mark.

#449

I thought this would make me happy but

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Seeing Bhachads and IITchads living their lives to the fullest while I just kept looking at the numbers on my screen made me realize I am a worthless pos, the best years of my life are gone now, it's only downhill from here. I would like to give this...

#364

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apply in NSDL ipo yaaro you will thank me later min 14k capital required https://www.chittorgarh.com/ipo/national-securities-depository-limited-nsdl-ipo/2448/

#559

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I have no idea how the (((stock))) market works so I've decided to just buy index funds and etfs. I honestly don't even know the difference between an index fund and an ETF. Am I gonna make it?

#558

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i should have bought more ༼´༎ຶ ۝ ༎ຶ༽

#543

ultimate forex master

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>muh add 35usd in xm360 >market open, sigma take screenshot and send it to chatgpt (base version) >say "pls bhai tell, call or puts?" >it says call >i buy calls >quick profit i made over 60usd w it then lost it all because i thought i was ready...

#525

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good evening.

#393

Do you agree??

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Buying land at right place , and gold at right time will secure you and your kids future.

#507

नागरिक देवो भवः

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Another masterstroke by NAMO sirs with GST 2.0

#464

Gst Reform discussion

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ITT we discuss changes in tax rates, kekda, majdoors on suicide watch. https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2163555 link for items being changed

#328

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I'm to be getting a certain amount very soon from my employer in US. He is open to send it in any way but I want it all cash (hard paper bill) under without the government interfering in any way. I don't want to pay tax, nor do I want them to know th...

#441

Cian Agro Industries&Infrastructure Ltd

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Whats your take on this Gadkari Family ran company, Will this also perform as how adani stocks did under BJP administration, Should one consider taking a gamble on this stock if government is corrupt shouldnt we wash our hand in the stream as well.

#397

Thread to discuss the state of the economy

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We are so back

#387

bros....

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mujh jesa (bch) kese samjhega ye staaak maarkit, koi books wagera ya fir yt channel bata do chotta bhai samajh ke

#376

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sale sb bhikariyoko easy money chahiye

#335

/FREE/bies thread

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Drop links for free stuff

#378

Matt levine newsletter

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https://www.bloomberg.com/account/newsletters/money-stuff Subscribe to this newsletter yaaron, you can blow normie minds with this

#353

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Although i am brokie student and cant invest but i would like to read about markets and investment stuff. Post whatever you have for me, i read economic/finance section of TOI newspaper but it doesnt have much.

#346

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Tesla has entered Indian automobile market after inaugurating it's first showroom in BKC, Mumbai. It has only launched only one of its model i.e. Model Y. After adding up cost of the car and levying the tax the total price is almost double than most...

#316

Beginner guider (Water thread)

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Beginner guider (Water thread)

IT unkil

loc-IN

a6nln33ielp.png

I will try to create a simple guide based on my investment journey so far. 1. Try to put at least 30% of your in hand income into equity/MFs, mostly MFs for beginners, anything more than 30 is a bonus but if you are depriving yourself of things then it is not good. Rest whatever savings you have you can put those into Debt instruments like PPF/GILT funds, more details I will add below. Avoid FDs as they require you to pay tds before payouts 2. If you have NPS option with your employer then you should max out your contribution as that contribution will be tax free. 14% of basic. 3. Early in your career don't worry too much about how much returns your SIP is generating, instead focus on how you can increase your contribution either via upskilling or additional savings(without denying yourself) 4. Don't expect magical returns from the market, MFs mostly serve to protect you from inflation, but the few percentage of inflation adjusted returns add up over a long period, hence the focus on SIP in MF advertisements. 5. Don't try to time the market, just SIP, if you keep waiting for a fall you would never be able to deploy properly, you would not get some insane returns even if you managed to time the market once or twice. 6. Beginner Equity funds- For the first few years you can go for the following index funds and one flexi cap - Nifty 100, Midcap 150, Parag parikh flexi cap.If you are investing in Equity MFs your timeframe should be at least 3 years. Diversification is good once you have done a few years of index funds, try to build up 10-20% of equity portfolio via US invested MFs, currently only one fund is available due to RBI restrictions but the Nasdaq and s&p funds should open up in some time. If you want to do directly, I do have some experience so you can ask me anything if needed. 7. Coming to debt investments, it is highly dependent on your tax bracket, if you fall in the 30% tax bracket you need to be smart about deploying debt savings otherwise taxes will end up eating your returns. Some ways to avoid this include arbitrage funds, dynamic/balanced advantage funds etc, let me know if you need more info. 8. Gold - You should keep around 5-10% in your portfolio, don't get carried away by hype. You can do via ETFs, MFs or digital gold or physical. Easiest is to do via MFs and ETFs but if you hold on to the the gold for 25-30 years you might end up paying more in management fees than the upfront and storage charges on physical gold. 9. Stay away from trading unless you have a lot of money left over after following the points above, you would most likely lose money like 95% of the traders. 10. Direct equity is kind of hit and miss, a lot of people think fundamental analysis is somehow superior to technical analysis but in reality it is pretty much the same for an average retail trader, you simple don't have info to make a good decision about the company you are buying into. The info which you have is abundantly available and can be analysed by a simple bot as well so make of that what you will. You can get lucky with direct equity but my suggestion would be to stay away unless you have lots of money left over after all the investments. 11. Buy health and life insurance when you are young, be honest on their application form, life insurance you don't need to take a massive cover as long you are confident you would be able to build a decent corpus by the age, just take it till 60. All things considered, don't overfocus on saving money as mentioned in 1 and 3, there is no point saving money and watching your portfolio size go up, you are just cucking yourself out of happiness. I have pretty much done the same thing but I have realized my stupidity too late. Will add whatever comes to my mind later. Hope you learned something useful

2025-07-07T12:16:50.000Z

2025-07-07T15:46:13.000Z

11

I will try to create a simple guide based on my investment journey so far. 1. Try to put at least 30% of your in hand income into equity/MFs, mostly MFs for beginners, anything more than 30 is a bonus but if you are depriving yourself of things the...

#309

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I want to do options trading wanna try out strategies like debit spread credit spread iron condor

#311

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Yaar is index funds worth it?

#310

test

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test

#300

BEST isp?

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I use jio 5G currently (135GB last month so around 4.5 per day) most of the time im in TN but travel to gujrat for a few weeks every couple months so the availability is prioritised for TN which isp should i consider for my case? is airtel any ...

#276

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kek yaar join the grift $$$

#295

FD or Gold

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My family wants to invest around 10 lakh in this month. I want short answers.

#17

BBC Money

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drop some *CRAZY* stories related to KALA DHAN jaha pr me pehle rehta tha wha pr school me hamare saath ek sdo kya ladka bhi tha, most chad guy ever started smoking at 11 bro fucked all the baddies party animal rich af (still donno how, but gula...

#289

Another instance where media is enemy of the people

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>India plugs loophole that allowed gold duty evasion >Mint reported on 12 June that importers were using a loophole to bring in gold compounds—also called liquid gold—instead of actual gold to avoid paying the 6% duty. >The Directorate General of F...

#165

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What are some of the best PSUs to invest in?

#60

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Zara apna portfolio toh post karna.

#235

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at this rate gold will reach even 22 karat gold will be 1 lakh for 10 gram already 97000 for 22k if your family has some extra gold you should sell some gold to finance some business methinks

#257

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How to make money as a 18 yo

#273

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Dhandho bros why has top G started a trade war with Troomp after 8 yrs of those us tariffs?

/dhan/ - Personal Finance & Economy

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How do i make money from AI

How do i make money from AI

why i want an officer level govt jaab

why i want an officer level govt jaab

1 lakh in 6 month

1 lakh in 6 month

Bank Account Frozen

Bank Account Frozen

NEETs assemble

NEETs assemble

Freelancing income

Freelancing income

India agreed to buy Gold and rare metals to fix the deficit with USA

India agreed to buy Gold and rare metals to fix the deficit with USA

Modi ji talking about digital currency

Modi ji talking about digital currency

I thought this would make me happy but

I thought this would make me happy but

ultimate forex master

ultimate forex master

Do you agree??

Do you agree??

नागरिक देवो भवः

नागरिक देवो भवः

Gst Reform discussion

Gst Reform discussion

Cian Agro Industries&Infrastructure Ltd

Cian Agro Industries&Infrastructure Ltd

Thread to discuss the state of the economy

Thread to discuss the state of the economy

bros....

bros....

/FREE/bies thread

/FREE/bies thread

Matt levine newsletter

Matt levine newsletter

Beginner guider (Water thread)

Beginner guider (Water thread)

test

test

BEST isp?

BEST isp?

FD or Gold

FD or Gold

BBC Money

BBC Money

Another instance where media is enemy of the people

Another instance where media is enemy of the people