u/Initial-Physics-3023

I was 13-14 anukunta…when i got into my first relationship 🫢

Same as above

Stopping the habit of comparing my progress with others and focusing on my own pace. Life got a lot calmer after that.

Hey everyone, need some advice.

I’m a fresher and previously accepted an offer from Company A with a joining date of July 20. I already submitted documents like PAN and Aadhaar.

Recently I got a much better offer from Company B with a joining date of July 1, and I want to join that instead.

My doubt is: should I keep Company A as a backup and wait until I actually join Company B on July 1 before informing Company A? Or should I withdraw from Company A now?

I’m worried because I’ve heard that if a PF/EPFO account gets created by Company A, it might create issues later. Since I already shared my PAN/Aadhaar, can they create PF before I officially join and receive salary?

Has anyone faced a similar situation? What’s the safest thing to do?

👆

👆

Petrol smell😶‍🌫️

Same as above👆

Please help me calculate the exact in-hand salary for both offers. One offer has a higher fixed base, while the other has a lower base but higher bonus/components, so I want a proper comparison between them.

I tried using ChatGPT and Gemini/Bard, but both are giving different calculations and I’m getting confused.

https://preview.redd.it/2sdi1r5j1r0h1.png?width=628&format=png&auto=webp&s=635328bd6b4b8c0150456a128674c2ad6955539f

Parag Parikh Flexi Cap – 20%

Invesco India Midcap – 20%

Bandhan Small Cap – 20%

HDFC Nifty 50 Index – 10%

ICICI Prudential Manufacturing Fund – 10%

Mirae Asset Healthcare Fund – 10%

HDFC Gold Fund – 10%

Risk appetite – Aggressive

Goal – Long-term wealth creation / retirement

Horizon – 15+ years

Platform – Coin by Zerodha

Reasoning behind allocation:
- PPFAS as core flexicap/value-oriented anchor.
- Invesco Midcap for aggressive growth and relatively lower overlap.
- Bandhan Small Cap for higher alpha potential.
- Nifty 50 kept limited due to overlap with PPFAS.
- Manufacturing theme added for India growth/capex story.
- Healthcare added as a defensive thematic allocation.
- Gold included for stability during crashes and uncertainty.

Some overlap analysis I checked:
- PPFAS + Nifty overlap ~39%
- Manufacturing + Nifty overlap ~19%
- Midcap and smallcap overlap comparatively lower.

I finalized these after checking:
- overlap,
- TER,
- consistency,
- sector allocation,
- Reddit discussions/reviews.

Please review and suggest:
- whether thematic allocation is too high,
- if gold allocation is appropriate,
- whether I should simplify further,
- any major risks or corrections needed for a 15+ year horizon.

Suggestions/review needed for my allocation

Age: 25
Investment horizon : 15+ years
Risk appetite: Aggressive
Goal: Long-term wealth creation
After comparing overlap, TER, sector allocation, consistency, and fund style, this is the allocation I finalized:

Parag Parikh Flexi Cap – 20%

Invesco India Midcap – 20%

Bandhan Small Cap – 20%

HDFC Nifty 50 Index – 10%

ICICI Prudential Manufacturing Fund – 10%

Mirae Asset Healthcare Fund – 10%

HDFC Gold Fund – 10%

Reasoning behind allocation:

PPFAS as core flexicap/value-oriented anchor.
Invesco Midcap for aggressive midcap growth and lower overlap.
Bandhan Small Cap for higher long-term alpha potential.
Nifty 50 kept limited due to overlap with PPFAS and manufacturing fund.
Manufacturing theme added for India capex/manufacturing growth story.
Healthcare added as a relatively defensive thematic allocation.

Gold for hedge/stability during market downturns.
Overlap analysis I checked:

PPFAS + Nifty overlap \\\~39%
Manufacturing + Nifty overlap \\\~19%
Midcap and smallcap overlap relatively low.

Would like suggestions on:

Whether thematic allocation is too high or reasonable.
If gold allocation should be reduced/increased.
Any concerns regarding overlap or over-diversification.
Whether this structure is suitable for 15+ years.
Looking for constructive criticism and long-term perspective rather than short-term return chasing.

Age: 25
Investment horizon: 15+ years
Risk appetite: Aggressive
Goal: Long-term wealth creation
After comparing overlap, TER, sector allocation, consistency, and fund style, this is the allocation I finalized:

Parag Parikh Flexi Cap – 30%

Invesco India Midcap – 20%

Bandhan Small Cap – 15%

HDFC Nifty 50 Index – 10%

ICICI Prudential Manufacturing Fund – 10%

Mirae Asset Healthcare Fund – 5%

HDFC Gold Fund – 10%

Reasoning behind allocation:

PPFAS as core flexicap/value-oriented anchor.
Invesco Midcap for aggressive midcap growth and lower overlap.
Bandhan Small Cap for higher long-term alpha potential.
Nifty 50 kept limited due to overlap with PPFAS and manufacturing fund.
Manufacturing theme added for India capex/manufacturing growth story.
Healthcare added as a relatively defensive thematic allocation.

Gold for hedge/stability during market downturns.
Overlap analysis I checked:

PPFAS + Nifty overlap ~39%
Manufacturing + Nifty overlap ~19%
Midcap and smallcap overlap relatively low.

Would like suggestions on:

Whether thematic allocation is too high or reasonable.
If gold allocation should be reduced/increased.
Any concerns regarding overlap or over-diversification.
Whether this structure is suitable for 15+ years.
Looking for constructive criticism and long-term perspective rather than short-term return chasing.

Age: 25
Investment horizon: 15+ years
Risk appetite: Aggressive
Goal: Long-term wealth creation
After comparing overlap, TER, sector allocation, consistency, and fund style, this is the allocation I finalized:

Parag Parikh Flexi Cap – 30%

Invesco India Midcap – 20%

Bandhan Small Cap – 15%

HDFC Nifty 50 Index – 10%

ICICI Prudential Manufacturing Fund – 10%

Mirae Asset Healthcare Fund – 5%

HDFC Gold Fund – 10%

Reasoning behind allocation:

PPFAS as core flexicap/value-oriented anchor.
Invesco Midcap for aggressive midcap growth and lower overlap.
Bandhan Small Cap for higher long-term alpha potential.
Nifty 50 kept limited due to overlap with PPFAS and manufacturing fund.
Manufacturing theme added for India capex/manufacturing growth story.
Healthcare added as a relatively defensive thematic allocation.

Gold for hedge/stability during market downturns.
Overlap analysis I checked:

PPFAS + Nifty overlap ~39%
Manufacturing + Nifty overlap ~19%
Midcap and smallcap overlap relatively low.

Would like suggestions on:

Whether thematic allocation is too high or reasonable.
If gold allocation should be reduced/increased.
Any concerns regarding overlap or over-diversification.
Whether this structure is suitable for 15+ years.
Looking for constructive criticism and long-term perspective rather than short-term return chasing.

Age: 25
Investment horizon: 15+ years
Risk appetite: Aggressive
Goal: Long-term wealth creation
After comparing overlap, TER, sector allocation, consistency, and fund style, this is the allocation I finalized:

Parag Parikh Flexi Cap – 30%

Invesco India Midcap – 20%

Bandhan Small Cap – 15%

HDFC Nifty 50 Index – 10%

ICICI Prudential Manufacturing Fund – 10%

Mirae Asset Healthcare Fund – 5%

HDFC Gold Fund – 10%

Reasoning behind allocation:

PPFAS as core flexicap/value-oriented anchor.
Invesco Midcap for aggressive midcap growth and lower overlap.
Bandhan Small Cap for higher long-term alpha potential.
Nifty 50 kept limited due to overlap with PPFAS and manufacturing fund.
Manufacturing theme added for India capex/manufacturing growth story.
Healthcare added as a relatively defensive thematic allocation.

Gold for hedge/stability during market downturns.
Overlap analysis I checked:

PPFAS + Nifty overlap ~39%
Manufacturing + Nifty overlap ~19%
Midcap and smallcap overlap relatively low.

Would like suggestions on:

Whether thematic allocation is too high or reasonable.
If gold allocation should be reduced/increased.
Any concerns regarding overlap or over-diversification.
Whether this structure is suitable for 15+ years.
Looking for constructive criticism and long-term perspective rather than short-term return chasing.

I recently got a job as an Analog Design Engineer and have a few doubts regarding career growth and future goals. It would be really helpful if anyone could guide me.

If you read my previous post,

https://www.reddit.com/r/bondha\_diaries/s/mdTQigeAe7

I ended it at a point where I was waiting.

Waiting for one final update.
Waiting for a decision that could change everything.

That wait was not easy.

Every day, I kept checking my phone. Replaying the interview in my head. Thinking about what I could have said better. At this point, I already had two offers (~14 LPA), but this one felt different it was the role I genuinely wanted, in a company I really hoped to get into.

And then… it happened.

I got the call.

They approved the third position.

I was selected.

For a moment, it didn’t even feel real. After everything quitting my job, sitting alone at home, dealing with a breakup, doubting myself every single night this felt like things finally falling into place.

But it didn’t stop there.

Soon after, HR reached out again and asked me to submit my documents for the next steps in the process.

That message felt different.

It wasn’t uncertainty anymore.
It wasn’t “waiting” anymore.

It was real.
Looking back, this entire journey wasn’t smooth or planned.

It was messy.
Full of second guesses.
Full of moments where quitting felt like the easier option.

There were days I genuinely thought I had ruined my career by leaving my job.But somehow, staying consistent even without confidence made a difference.

I come from a local (tier-4) college, where I completed my B.Tech in Electronics and Communication Engineering. In 2022, I started preparing seriously for the GATE exam. Around that time, I received multiple offers from MNCs such as Bosch, Cognizant, and KPIT Technologies, among others. I decided to join one of them.

However, by February 2023, I realized that the job was not aligned with my interests or long-term goals. I made the difficult decision to resign and return home to prepare for GATE again.

This phase was personally very challenging. I went through a breakup due to a long-distance relationship, where I was cheated on. At the same time, my parents told relatives that I was working from home, while in reality, I was preparing full-time. Since both my parents worked during the day, I spent most of my time alone at home. Nights were especially difficult, as I often found myself regretting my decision to leave the job. Despite all this, I continued studying because I felt I had no other option.

In February, I appeared for GATE and initially felt that I had performed poorly. I started exploring alternative options like BITS and IIITs. Later, I realized that the paper, set by Indian Institute of Science (IISc), was particularly tough that year. Even an average score translated into a good rank, and I eventually secured a rank within the top 500.

I was aiming for my preferred specialization, but due to the lack of reservation, I had to wait until the 9th round of counseling. It was a very stressful period, especially since I had already let go of opportunities at places like NIT iruchirappalli and other good institutes. Finally, in the 9th round, I secured admission to my desired branch at oldest IIT, which was a huge relief.

After joining, I initially struggled to cope with the academic pace, as it was much faster than what I was used to. My first-year CGPA was 7.7. Realizing I needed to improve, I worked harder in the following semester and raised it to 8.3.

Regarding placements, my seniors had consistently achieved nearly 100% placement over the past 20–30 years, as this is a top branch in Electronics. However, this year was different. Several major companies like Micron and Samsung did not visit, and some companies that did come did not hire anyone.

Given that I am now 25, I felt a strong need to secure a job. I attended an interview for a 14 LPA role and received an offer. I also continued applying off-campus and secured another opportunity at a startup, again with a package around 14 LPA and a role aligned with my interests.

Additionally, a senior referred me to an MNC that had two open positions. My interview went very well. The HR informed me that although they had only two vacancies and selected candidates with prior interview experience, they were impressed with my performance. They have now requested approval to open a third position for me, and I am currently waiting for an update, which is expected within a week. So this is my story till now....

I come from a local (tier-4) college, where I completed my B.Tech in Electronics and Communication Engineering. In 2022, I started preparing seriously for the GATE exam. Around that time, I received multiple offers from MNCs such as Bosch, Cognizant, and KPIT Technologies, among others. I decided to join one of them.

However, by February 2023, I realized that the job was not aligned with my interests or long-term goals. I made the difficult decision to resign and return home to prepare for GATE again.

This phase was personally very challenging. I went through a breakup due to a long-distance relationship, where I was cheated on. At the same time, my parents told relatives that I was working from home, while in reality, I was preparing full-time. Since both my parents worked during the day, I spent most of my time alone at home. Nights were especially difficult, as I often found myself regretting my decision to leave the job. Despite all this, I continued studying because I felt I had no other option.

In February, I appeared for GATE and initially felt that I had performed poorly. I started exploring alternative options like BITS and IIITs. Later, I realized that the paper, set by Indian Institute of Science (IISc), was particularly tough that year. Even an average score translated into a good rank, and I eventually secured a rank within the top 500.

I was aiming for my preferred specialization, but due to the lack of reservation, I had to wait until the 9th round of counseling. It was a very stressful period, especially since I had already let go of opportunities at places like NIT iruchirappalli and other good institutes. Finally, in the 9th round, I secured admission to my desired branch at oldest IIT, which was a huge relief.

After joining, I initially struggled to cope with the academic pace, as it was much faster than what I was used to. My first-year CGPA was 7.7. Realizing I needed to improve, I worked harder in the following semester and raised it to 8.3.

Regarding placements, my seniors had consistently achieved nearly 100% placement over the past 20–30 years, as this is a top branch in Electronics. However, this year was different. Several major companies like Micron and Samsung did not visit, and some companies that did come did not hire anyone.

Given that I am now 25, I felt a strong need to secure a job. I attended an interview for a 14 LPA role and received an offer. I also continued applying off-campus and secured another opportunity at a startup, again with a package around 14 LPA and a role aligned with my interests.

Additionally, a senior referred me to an MNC that had two open positions. My interview went very well. The HR informed me that although they had only two vacancies and selected candidates with prior interview experience, they were impressed with my performance. They have now requested approval to open a third position for me, and I am currently waiting for an update, which is expected within a week. So this is my story till now....

Same as above