I joined a product-based startup around 2 months ago, almost as a fresher (I had joined another firm, but the work was very different). I had a little experience before this, but nothing major. I got through the interviews mostly because my DSA was decent, but after joining it became pretty clear that I didn't know the team's tech stack.

To their credit, they've been amazing. My manager is super patient, and the company has actually spent these last couple of months training me instead of expecting me to magically know everything.

The problem is... it's starting to mess with my confidence and I think my manager is a bit disappointed

A few other people joined around the same time as me (most of them have a bit more experience), and they're already contributing, speaking up in meetings, and working on actual tasks. Meanwhile, I barely have anything to say in meetings because I'm still trying to understand how everything fits together.

I keep wondering if this is a normal ramp-up or if I'm just taking way too long. I also can't help feeling guilty that the company has invested so much time in training me and I still haven't contributed much.

Has anyone else been in a similar situation? How long did it take before you actually felt useful? Should I share this with my manager?

I joined a product-based company around 2 months ago, almost as a fresher (I had joined another firm, but the work was very different). I had a little experience before this, but nothing major. I got through the interviews mostly because my DSA was decent, but after joining it became pretty clear that I didn't know the team's tech stack.

To their credit, they've been amazing. My manager is super patient, and the company has actually spent these last couple of months training me instead of expecting me to magically know everything.

The problem is... it's starting to mess with my confidence and I think my manager is a bit disappointed

A few other people joined around the same time as me (most of them have a bit more experience), and they're already contributing, speaking up in meetings, and working on actual tasks. Meanwhile, I barely have anything to say in meetings because I'm still trying to understand how everything fits together.

I keep wondering if this is a normal ramp-up or if I'm just taking way too long. I also can't help feeling guilty that the company has invested so much time in training me and I still haven't contributed much.

Has anyone else been in a similar situation? How long did it take before you actually felt useful? Should I share this with my manager?

I joined a product-based company around 2 months ago, almost as a fresher (I had joined another firm, but the work was very different). I had a little experience before this, but nothing major. I got through the interviews mostly because my DSA was decent, but after joining it became pretty clear that I didn't know the team's tech stack.

To their credit, they've been amazing. My manager is super patient, and the company has actually spent these last couple of months training me instead of expecting me to magically know everything.

The problem is... it's starting to mess with my confidence and I think my manager is a bit disappointed

A few other people joined around the same time as me (most of them have a bit more experience), and they're already contributing, speaking up in meetings, and working on actual tasks. Meanwhile, I barely have anything to say in meetings because I'm still trying to understand how everything fits together.

I keep wondering if this is a normal ramp-up or if I'm just taking way too long. I also can't help feeling guilty that the company has invested so much time in training me and I still haven't contributed much.

Has anyone else been in a similar situation? How long did it take before you actually felt useful? Should I share this with my manager?

I'm in my early 20s, and this is the first time I'm building a proper long-term portfolio. My investment horizon is 20+ years, and I have a pretty high risk appetite, so I'm okay with volatility as long as the overall portfolio makes sense.

Here's what I'm doing and planning:

• HDFC Flexi Cap – 27%
  • Rationale: Core Indian market allocation.
• Motilal Oswal BSE Enhanced Value Index – 13.5%
  • Thesis: Long-term exposure to the value factor.
• ICICI Prudential Nasdaq 100 – 16.2%
  • Thesis: International diversification and exposure to leading US tech companies.
• Mirae Asset Small Cap – 16.2%
  • Thesis: Higher long-term growth potential.
• ICICI Prudential Pharma, Healthcare & Diagnostics – 10.8%
  • Thesis: I see healthcare as an evergreen sector with strong long-term tailwinds.
• Gold/Silver ETFs – 16.2% (planned)
  • Rationale: Planning to split this allocation between Gold and Silver for diversification and as a hedge.

Now here's where I'm confused.

My original plan was to keep the Pharma fund and add one more thematic allocation, probably an Automobile fund. The reason isn't that I want to keep Auto forever. My thought process was to always have one tactical sector allocation that I can rotate over time if another sector has a stronger long-term story. The rest of the portfolio would ideally stay unchanged.

But the more I think about it, the more I'm worried about covering the whole market ie mapping NSE 500 eventually.

So I'd love to hear your thoughts:

• Does this overall framework make sense?
• Would you have one evergreen sector (like Pharma) + one rotating tactical sector, or would you avoid sector funds altogether?
• Is my portfolio already good or overdiversified, and should I churn funds?

Would genuinely appreciate any feedback. Since this is my first serious attempt at building a long-term portfolio, I'd rather get the framework right now than keep tweaking it every year.

I'm in my early 20s, and this is the first time I'm building a proper long-term portfolio. My investment horizon is 20+ years, and I have a pretty high risk appetite, so I'm okay with volatility as long as the overall portfolio makes sense.

Here's what I'm doing and planning:

• HDFC Flexi Cap – 27%
  • Rationale: Core Indian market allocation.
• Motilal Oswal BSE Enhanced Value Index – 13.5%
  • Thesis: Long-term exposure to the value factor.
• ICICI Prudential Nasdaq 100 – 16.2%
  • Thesis: International diversification and exposure to leading US tech companies.
• Mirae Asset Small Cap – 16.2%
  • Thesis: Higher long-term growth potential.
• ICICI Prudential Pharma, Healthcare & Diagnostics – 10.8%
  • Thesis: I see healthcare as an evergreen sector with strong long-term tailwinds.
• Gold/Silver ETFs – 16.2% (planned)
  • Rationale: Planning to split this allocation between Gold and Silver for diversification and as a hedge.

Now here's where I'm confused.

My original plan was to keep the Pharma fund and add one more thematic allocation, probably an Automobile fund. The reason isn't that I want to keep Auto forever. My thought process was to always have one tactical sector allocation that I can rotate over time if another sector has a stronger long-term story. The rest of the portfolio would ideally stay unchanged.

But the more I think about it, the more I'm worried about covering the whole market ie mapping NSE 500 eventually.

So I'd love to hear your thoughts:

• Does this overall framework make sense?
• Would you have one evergreen sector (like Pharma) + one rotating tactical sector, or would you avoid sector funds altogether?
• Is my portfolio already good or overdiversified, and should I churn funds?

Would genuinely appreciate any feedback. Since this is my first serious attempt at building a long-term portfolio, I'd rather get the framework right now than keep tweaking it every year.

I'm in my early 20s, and this is the first time I'm building a proper long-term portfolio. My investment horizon is 20+ years, and I have a pretty high risk appetite, so I'm okay with volatility as long as the overall portfolio makes sense.

Here's what I'm doing and planning:

• HDFC Flexi Cap – 27%
  • Rationale: Core Indian market allocation.
• Motilal Oswal BSE Enhanced Value Index – 13.5%
  • Thesis: Long-term exposure to the value factor.
• ICICI Prudential Nasdaq 100 – 16.2%
  • Thesis: International diversification and exposure to leading US tech companies.
• Mirae Asset Small Cap – 16.2%
  • Thesis: Higher long-term growth potential.
• ICICI Prudential Pharma, Healthcare & Diagnostics – 10.8%
  • Thesis: I see healthcare as an evergreen sector with strong long-term tailwinds.
• Gold/Silver ETFs – 16.2% (planned)
  • Rationale: Planning to split this allocation between Gold and Silver for diversification and as a hedge.

Now here's where I'm confused.

My original plan was to keep the Pharma fund and add one more thematic allocation, probably an Automobile fund. The reason isn't that I want to keep Auto forever. My thought process was to always have one tactical sector allocation that I can rotate over time if another sector has a stronger long-term story. The rest of the portfolio would ideally stay unchanged.

But the more I think about it, the more I'm worried about covering the whole market ie mapping NSE 500 eventually.

So I'd love to hear your thoughts:

• Does this overall framework make sense?
• Would you have one evergreen sector (like Pharma) + one rotating tactical sector, or would you avoid sector funds altogether?
• Is my portfolio already good or overdiversified, and should I churn funds?

Would genuinely appreciate any feedback. Since this is my first serious attempt at building a long-term portfolio, I'd rather get the framework right now than keep tweaking it every year.

I'm in my early 20s, and this is the first time I'm building a proper long-term portfolio. My investment horizon is 20+ years, and I have a pretty high risk appetite, so I'm okay with volatility as long as the overall portfolio makes sense.

Here's what I'm doing and planning:

• HDFC Flexi Cap – 27%
  • Rationale: Core Indian market allocation.
• Motilal Oswal BSE Enhanced Value Index – 13.5%
  • Thesis: Long-term exposure to the value factor.
• ICICI Prudential Nasdaq 100 – 16.2%
  • Thesis: International diversification and exposure to leading US tech companies.
• Mirae Asset Small Cap – 16.2%
  • Thesis: Higher long-term growth potential.
• ICICI Prudential Pharma, Healthcare & Diagnostics – 10.8%
  • Thesis: I see healthcare as an evergreen sector with strong long-term tailwinds.
• Gold/Silver ETFs – 16.2% (planned)
  • Rationale: Planning to split this allocation between Gold and Silver for diversification and as a hedge.

Now here's where I'm confused.

My original plan was to keep the Pharma fund and add one more thematic allocation, probably an Automobile fund. The reason isn't that I want to keep Auto forever. My thought process was to always have one tactical sector allocation that I can rotate over time if another sector has a stronger long-term story. The rest of the portfolio would ideally stay unchanged.

But the more I think about it, the more I'm worried about covering the whole market ie mapping NSE 500 eventually.

So I'd love to hear your thoughts:

• Does this overall framework make sense?
• Would you have one evergreen sector (like Pharma) + one rotating tactical sector, or would you avoid sector funds altogether?
• Is my portfolio already good or overdiversified, and should I churn funds?

Would genuinely appreciate any feedback. Since this is my first serious attempt at building a long-term portfolio, I'd rather get the framework right now than keep tweaking it every year.

Now feel that A16 256gb was better 🫠

FML

Flipkart and Apple both flipped. 🤏
btw anyone selling?

Flipkart and Apple both flipped. 🤏
btw anyone selling?

Same as the title. Can anyone use this post to update when the products are in stock

Same as title

I wanted to have a tab since childhood, but I've spent way too much time comparing specs, and now I'm stuck.

My primary use case (in order)

• 📚 Reading books, PDFs, and research papers
• ✍️ Taking handwritten notes, journaling & annotating PDFs
• 🎓 Studying (a bit academic, this is what I'll use it for most)
• 🎬 YouTube, Netflix, etc.
• ✈️ Frequent travel, so battery life and portability matter
• 💼 Light productivity
• 🎨 Maybe basic digital art and very light video editing in the future

Current devices:

• MacBook
• Android phone
• Apple Magic Keyboard
• Logitech keyboard/mouse

I'll probably buy a third-party Apple Pencil instead of the original.

The dilemma is basically this:

iPad Air M3 (128GB)

• Better display (laminated)
• M3 chip
• Better accessory support?
• But only 128GB

iPad 11th Gen (256GB)

• Double the storage and better battery
• cheaper by $100
• More future-proof?
• Probably enough for my current needs

I'm planning to keep this tablet for at least 5-6 years.

Which one to go for**?** My usage will mostly be notes, PDFs, books, media consumption, and maybe some light creative work later on.

If you were in my position, which one would you buy and why? I'd especially love to hear from people who use their iPad primarily for studying, reading, and note-taking.

I wanted to have a tab since childhood, but I've spent way too much time comparing specs, and now I'm stuck.

My primary use case (in order)

• 📚 Reading books, PDFs, and research papers
• ✍️ Taking handwritten notes, journaling & annotating PDFs
• 🎓 Studying (a bit academic, this is what I'll use it for most)
• 🎬 YouTube, Netflix, etc.
• ✈️ Frequent travel, so battery life and portability matter
• 💼 Light productivity
• 🎨 Maybe basic digital art and very light video editing in the future

Current devices:

• MacBook
• Android phone
• Apple Magic Keyboard
• Logitech keyboard/mouse

I'll probably buy a third-party Apple Pencil instead of the original.

The dilemma is basically this:

iPad Air M3 (128GB)

• Better display (laminated)
• M3 chip
• Better accessory support?
• But only 128GB

iPad 11th Gen (256GB)

• Double the storage and better battery
• cheaper by $100
• More future-proof?
• Probably enough for my current needs

I'm planning to keep this tablet for at least 5-6 years.

Which one to go for**?** My usage will mostly be notes, PDFs, books, media consumption, and maybe some light creative work later on.

If you were in my position, which one would you buy and why? I'd especially love to hear from people who use their iPad primarily for studying, reading, and note-taking.

Hi everyone,

I recently switched jobs, and my basic salary is ₹1 lakh/month.

However, I've noticed that both my employer and I are contributing only around ₹1,800 each per month towards EPF.

From what I've read online, EPF contributions are supposed to be 12% of basic salary, so I was expecting a much higher amount. I'm confused about how this is allowed.

For reference, my office is based in Hyderabad, if that makes any difference.

Also, since my savings are already well above my monthly expenses, would it make sense to ask HR to increase my PF contribution? Has anyone here done that? Are there any downsides (other than lower take-home salary), or is it generally a good idea for long-term retirement savings?

Would appreciate any insights. Thanks!

Hi everyone,

I recently switched jobs, and my basic salary is ₹1 lakh/month.

However, I've noticed that both my employer and I are contributing only around ₹1,800 each per month towards EPF.

From what I've read online, EPF contributions are supposed to be 12% of basic salary, so I was expecting a much higher amount. I'm confused about how this is allowed.

For reference, my office is based in Hyderabad, if that makes any difference.

Also, since my savings are already well above my monthly expenses, would it make sense to ask HR to increase my PF contribution? Has anyone here done that? Are there any downsides (other than lower take-home salary), or is it generally a good idea for long-term retirement savings?

Would appreciate any insights. Thanks!

Hi everyone,

I recently switched jobs, and my basic salary is ₹1 lakh/month.

However, I've noticed that both my employer and I are contributing only around ₹1,800 each per month towards EPF.

From what I've read online, EPF contributions are supposed to be 12% of basic salary, so I was expecting a much higher amount. I'm confused about how this is allowed.

For reference, my office is based in Hyderabad, if that makes any difference.

Also, since my savings are already well above my monthly expenses, would it make sense to ask HR to increase my PF contribution? Has anyone here done that? Are there any downsides (other than lower take-home salary), or is it generally a good idea for long-term retirement savings?

Would appreciate any insights. Thanks!

I wanted to have a tab since childhood, but I've spent way too much time comparing specs, and now I'm stuck.

My primary use case (in order)

• 📚 Reading books, PDFs, and research papers
• ✍️ Taking handwritten notes, journaling & annotating PDFs
• 🎓 Studying (a bit academic, this is what I'll use it for most)
• 🎬 YouTube, Netflix, etc.
• ✈️ Frequent travel, so battery life and portability matter
• 💼 Light productivity
• 🎨 Maybe basic digital art and very light video editing in the future

Current devices:

• MacBook
• Android phone
• Apple Magic Keyboard
• Logitech keyboard/mouse

I'll probably buy a third-party Apple Pencil instead of the original.

The dilemma is basically this:

iPad Air M3 (128GB)

• Better display (laminated)
• M3 chip
• Better accessory support?
• But only 128GB

iPad 11th Gen (256GB)

• Double the storage and better battery
• cheaper by $100
• More future-proof?
• Probably enough for my current needs

I'm planning to keep this tablet for at least 5-6 years.

Which one to go for**?** My usage will mostly be notes, PDFs, books, media consumption, and maybe some light creative work later on.

If you were in my position, which one would you buy and why? I'd especially love to hear from people who use their iPad primarily for studying, reading, and note-taking.

I wanted to have a tab since childhood, but I've spent way too much time comparing specs, and now I'm stuck.

My primary use case (in order)

• 📚 Reading books, PDFs, and research papers
• ✍️ Taking handwritten notes, journaling & annotating PDFs
• 🎓 Studying (a bit academic, this is what I'll use it for most)
• 🎬 YouTube, Netflix, etc.
• ✈️ Frequent travel, so battery life and portability matter
• 💼 Light productivity
• 🎨 Maybe basic digital art and very light video editing in the future

Current devices:

• MacBook
• Android phone
• Apple Magic Keyboard
• Logitech keyboard/mouse

I'll probably buy a third-party Apple Pencil instead of the original.

The dilemma is basically this:

iPad Air M3 (128GB)

• Better display (laminated)
• M3 chip
• Better accessory support?
• But only 128GB

iPad 11th Gen (256GB)

• Double the storage and better battery
• cheaper by $100
• More future-proof?
• Probably enough for my current needs

I'm planning to keep this tablet for at least 5-6 years.

Which one to go for**?** My usage will mostly be notes, PDFs, books, media consumption, and maybe some light creative work later on.

If you were in my position, which one would you buy and why? I'd especially love to hear from people who use their iPad primarily for studying, reading, and note-taking.