u/Known-Comparison-250

​

Hi all,

I'm helping my mother (51 years old) Housewife . invest ₹1,10,000.

Plan is:

Park the full amount in a liquid fund first

Set up an STP to gradually move it into an equity/hybrid fund over the next 6–12 months

Stay invested for 11 years. Is this good approach?

Her broader financial picture:

8+ lakh in FDs across banks

Owns 2 properties

Has emergency fund in one saving account

Health insurance covers 10 lakh .

LIC life insurance is also thir will be mature in 2034.

This ₹1.1L would be a relatively small, growth-oriented slice of her overall net worth

Given she's already well covered on the safe/debt side (FDs) and has real estate, I'm thinking she can afford a bit more equity exposure than a typical "capital protection" approach for her age — but wanted this community's take. After some year she can invest more she wants diversified portfolio.

Looking for:

Which liquid fund is good for parking before the STP starts?

Which equity/hybrid fund category (or specific funds) make sense for the STP destination, given her risk capacity above?

Anything I'm missing about STP mechanics or taxation for this kind of setup

What you guys have done for your parents investment in mutual fund.

Thanks in advance!

I am waiting from 3 months still not received JL....anyone here from pune mumbai region waiting still.......I have lost all hopes now 🥲

From another region please reply with your Offer letter date and region , role.

From 6 months we are waiting for joining..... should we have to wait or move on now...I got offer in March still waiting what to do now ?

Just want to know Multicap with flexi is better .or Multicapp with any( mid small or passive ).anyone here with Multi capp in their port folio which are your funds with your Multi capp

One of my friend who is in ilp training said for most fresher tcs is not able to assign projects still ...they are waiting....is it true.?....he is from Mumbai tcs . anyone here who is doing ILPbin other regions pls tell .Most of training centre are full now is it?

Meanwhile from past two weeks they have not send single JL

Hope we will get joining in coming month 🤞

Pls vote who are 2025 rehiring.this poll is not for 2026 tcs nqt batch pls don't vote .

View Poll

I am not talking about NQT 2026

I got my TCS offer letter back in First week March 2026 and I'm still sitting here waiting for the joining letter with absolutely no update from TCS. 😮‍💨

It's been months now and honestly the silence from TCS is driving me crazy. No joining date, no timeline, nothing.

---

My situation:

• ✅ Offer Letter received — March 2026
• ❌ Joining Letter — Not yet received
• 📍 Region — Mumbai

---

Wanted to check how many of you are in the same situation, especially from Mumbai and Pune region.

Drop your details below:

1. When did you get your offer letter?

2. Which region — Mumbai / Pune / Other?

---

I've tried reaching out to TCS multiple times but getting no proper response. Is anyone getting through to them? Has anyone received their joining letter recently from the Mumbai or Pune batch?

If you have any inside info or updates please share — it would really help all of us who are just stuck in this waiting game. 🙏

Let's get a count going in the comments. How many of us are still waiting?

Hey everyone! 👋 Need your help & suggestions! 🙏

I'm looking for the BEST Pedestal Fan in India 🇮🇳 for my 120 sq ft room and I have some specific requirements. Can anyone help me find the perfect one? 💨

Here's what I'm looking for:

⚡ Power Consumption — Under 70 watts (low to medium) 🔄 Speed — High speed & strong airflow 🔧 Maintenance — Low maintenance, long lasting 📐 Room Size — 120 sq ft 💰 Value for Money — Best performance at best price

My priorities: ✅ Should cool the room effectively ✅ Energy saving (under 70W is a must!) ✅ Minimal servicing needed ✅ Durable motor & build quality ✅ Good oscillation coverage

Brands I've heard of: 🔹 Atomberg 🔹 Havells 🔹 Orient Electric 🔹 Crompton 🔹 Bajaj 🔹 Usha

But open to any brand if it fits my requirements! 😊

Drop your suggestions, personal experiences & recommendations in the comments below! 👇 Which fan are you using and how's your experience?

I am going to purchase pedestal fan for 100 sqft room which would be best Pedestal fan

I am confused between BLDC and induction. Also I want fane which has less than 70 watt.

Pls give me some best fans. Pls share your review on Fan while giving suggestions.

Thanks in advance.