How much percentage of the salary a person should give in investments?
Depends on one's profile, expenses, goals and risk appetite.
If you are in your 20s and living on rent, anything above 60% is a good number. Adjust as per your goals with investments.
(100-your age)% ideally should go towards equity, rest can be debt.
Note: But all this comes after you have an emergency fund set aside in savings/FDs/liquid equivalent to 8-12 times of your monthly expenses.
Let’s just make it clear with an simple example. A person with 50k salary monthly living at own house not on rent. Then how much amount of 50k should be invested whether in stocks, SIP, PPF etc and how much should be kept as fund in bank?
Depends on your current status and capital. 50k a month income, I am assuming you are about 24-25 and just been into a regular income job for a couple of years. If you have 8-10x of your monthly expenses in your savings/FDs. You are all set with an emergency fund that you should not touch. I hope you understand that. Now comes the part where you want to invest in new income. There are two major classes - Equity and debt. Equity - you can invest by directly purchasing stocks or SIP into equity mutual funds Debt - can be done via FDs, bonds, PPFs etc.
For 50k, first calculate your monthly recurring expenses with some buffer and minus that from 50k. You are left with lets say 30K. Invest in
Equity (65-70%) -
nifty Index fund/ etf
Any good flexi cap
Value discovery fund (if you are ok taking risk for higher returns in long term)
Debt(rest) - choose between
FD
PPF (can utilize tax benefits if you are under old regime)
Equity and debt mutual funds
Following
Lets say when you recieve a salry of x amount per month, how do you divide in for investements and what is your thought process for investing this amount in that asset category?
Hi,
I have been working in the Software Industry for the past 9 years. I feel like I have made a good use of my time and money and maybe some of my lessons can help you folks as well. Recently did a calculation for my NW and I am happ...
I see a lot of similar questions and I'll try to answer them here. >>>>>>CTC Progression<<<< My current CTC is 1.3C...
Hi, Firstly, congrats on achieving such a great Milestone! I have few doubts on what I need to do for my future but...
How many times did you switch companies? Is this nw reached only by salary or stock appreciation/ other side hu...
It's been close to a year since I am earning a salary and this is what I do:
Following the 50-30-20 rule for 5 years now. Started with a salary of 6LPA fixed. Now at 25LPA. Investing ...
I do the same. Invest 50% in MF(Flexi cap and Index funds) and remaining in 80C instruments here and there. Tip - M...
What percentage of your in-hand salary do you invest every month? And where do you invest it?
I will go first. I stay with my parents and end up saving upto nearly 90% of my salary, and invest all of it in mutual funds and PPF
