u/NoCut8130

21F here. I recently started working and I'm earning around ₹1.2L/month. My expenses aren't too crazy, so I can comfortably put aside around ₹20–30k every month.

I've been reading a lot about how starting to invest early is one of the biggest advantages you can have, and I figured I might as well start now instead of waiting until I'm "earning more" or something.

The problem is... I know basically nothingggg 😭

I've been looking at SIPs/mutual funds on Groww and there are SO many options that I genuinely don't know what I'm doing.

My goal is pretty long term, 7 to 10+ years. I don't need this money immediately and eventually I'd like to use it for something major like buying a plot/flat.

So for people who actually know what they're doing:

• If you had ₹20 to ₹30k/month to invest at 21, what would you do?
• Is a simple Nifty 50/index fund SIP enough, or should I have 2 to 3 funds?
• Is gold/silver worth keeping as part of the portfolio or am I just making things unnecessarily complicated?
• Should I keep a fixed ₹20k SIP and invest anything extra manually, or change the SIP amount every few months?
• Should I increase my SIP every time my salary increases?
• How much risk is reasonable when the goal is 7 to 10+ years?
• What are some actually good resources to learn investing properly? Not "THIS STOCK WILL DOUBLE" YouTube videos please 😭
• Also, Groww/other apps, are they actually fine to use for this or is there a better platform?

I've already started a small SIP because I got too excited lol, but before I continue putting ₹20 to ₹30k every month, I want to understand what I'm actually doing.

Basically, if you were 21, earning ₹1.2L and had ₹20 to ₹30k/month available to invest, what would you do differently from the start?

21F here. I recently started working and I'm earning around ₹1.2L/month. My expenses aren't too crazy, so I can comfortably put aside around ₹20–30k every month.

I've been reading a lot about how starting to invest early is one of the biggest advantages you can have, and I figured I might as well start now instead of waiting until I'm "earning more" or something.

The problem is... I know basically nothinggg 😭

I've been looking at SIPs/mutual funds on Groww and there are SO many options that I genuinely don't know what I'm doing.

My goal is pretty long term, 7-8 years. I don't need this money immediately and eventually I'd like to use it for something major like buying a plot/flat/house idk.

So for people who actually know what they're doing:

• If you had ₹20 to ₹30k/month to invest at 21, what would you do?
• Is a simple Nifty 50/index fund SIP enough, or should I have 2 to 3 funds?
• Is gold/silver worth keeping as part of the portfolio or am I just making things unnecessarily complicated?
• Should I keep a fixed ₹20k SIP and invest anything extra manually, or change the SIP amount every few months?
• Should I increase my SIP every time my salary increases?
• How much risk is reasonable when the goal is 7 to 10+ years?
• What are some actually good resources to learn investing properly? Not "THIS STOCK WILL DOUBLE " youtube videos please 😭
• Also, Groww/other apps, are they actually fine to use for this or is there a better platform?

I've already started a small SIP because I got too excited lol, but before I continue putting ₹20 to ₹30k every month, I want to understand what I'm actually doing.

fellow women who started investing early, I'd love to hear what you did / what you wish you'd known earlier. and men, feel free to chime in too 😂

Basically, if you were 21, earning ₹1.2L and had ₹20 to ₹30k/month available to invest, what would you do differently from the start?

Hi everyone, I'm 21 and will be starting my first full-time software engineering job soon in Bangalore. My expected monthly in-hand salary will be around ₹1.0–1.15 lakh per month. Current situation: Rent: ₹16k/month Personal expenses: ₹5-10k/month No education loans No debt Very little savings currently (~₹10k) The main challenge is my family. During my internship, I have been sending a large portion of my income home. There isn't any major financial emergency, but there is a strong expectation that most of what I earn should go to the family. My parents often question why I need to keep money for myself and generally feel that supporting the family should be my primary financial priority. They are also planning to build a house in the future and seem to assume that a significant part of the funding will come from my earnings. The house would not be in my name and my sibling is not expected to contribute much financially. I love my family and want to support them, but at the same time I feel conflicted. I'm about to start my career and I don't want to reach my mid-20s with no investments, no assets, and no financial independence despite earning a decent salary. My goals are: Build long-term wealth Start investing regularly Still support my parents reasonably Avoid constant fights or guilt around money My questions: How much would you allocate between family support, investments, and personal spending in my situation? Is it unreasonable to want to reduce the amount I send home and start investing for myself? How have others handled parents who view their children's income as family income? What would be a good investment plan for a complete beginner? (Index funds, mutual funds, SIPs, etc.) If you were in my position, what would you do? I would really appreciate advice from people who have faced similar family expectations, especially in Indian households. Thank you.

Hi everyone, I'm 21F and will be starting my first full-time software engineering job soon in Bangalore. My expected monthly in-hand salary will be around ₹1.0–1.15 lakh per month. Current situation: Rent: ₹16k/month Personal expenses: ₹5-10k/month No education loans No debt No Savings currently.

The main challenge is my family. During my internship, I have been sending a large portion of my income home. There isn't any major financial emergency, but there is a strong expectation that most of what I earn should go to the family. My parents often question why I need to keep money for myself and generally feel that supporting the family should be my primary financial priority. They are also planning to build a house in the future and seem to assume that a significant part of the funding will come from my earnings. The house would not be in my name and my sibling is not expected to contribute much financially.

I love my family and want to support them, but at the same time I feel conflicted. I'm about to start my career and I don't want to reach my mid-20s with no investments, no assets, and no financial independence despite earning a decent salary.

My goals are: Build long-term wealth Start investing regularly Still support my parents reasonably Avoid constant fights or guilt around money

My questions: How much would you allocate between family support, investments, and personal spending in my situation? Is it unreasonable to want to reduce the amount I send home and start investing for myself? How have others handled parents who view their children's income as family income? What would be a good investment plan for a complete beginner? (Index funds, mutual funds, SIPs, etc.) If you were in my position, what would you do? I would really appreciate advice from people who have faced similar family expectations, especially in Indian households. Thank you.

okay i started dating my boyfriend when i was in final year of my btech. both of us weren't earning appudu, so all the bills were majorly split or if its a small amount any one of us would pay. now i got into an internship, hes still unemployed. and he started depending on me for everythinggg. i think twice to buy oka expensive lipbalm for my self. but he made it my responsibility to look after his expenses. all the dates are on me. last ki i have to pay for his cigarettes also. like it doesnt mean i don't love him, but depending on me for everything feels lil weird, he goes on trips with his boys, buys expensive shoes and all with his (or maybe his parents) money. atlantappud why should i pay for all the dates anipisthundi. should i confront, or just keep ignoring this. i just want a different perspective on this anthey.

Hey! We’re 5 girls planning a Chikmagalur trip from Bangalore for a long weekend and wanted accommodation suggestions.

Budget:

Up to ₹20k total for 3 nights

Hostel / homestay / dorm / villa anything works

Looking for:

Safe stay for girls

Good location (less travel/time waste overall)

Clean rooms & washrooms

Good views/vibes preferred

Easy access to food/cabs nearby would help

We’re confused between:

staying in Chikmagalur town

Hirekolale side

coffee estate stays

hostels like Trippr / The Hosteller

Would really appreciate recommendations from people who’ve stayed there recently 🙏

okay i started dating my boyfriend when i was in final year of my btech. both of us weren't earning appudu, so all the bills were majorly split or if its a small amount any one of us would pay. now i got into an internship, hes still unemployed. and he started depending on me for everythinggg. i think twice to buy oka expensive lipbalm for my self. but he made it my responsibility to look after his expenses. all the dates are on me. last ki i have to pay for his cigarettes also. like it doesnt mean i don't love him, but depending on me for everything feels lil weird, he goes on trips with his boys, buys expensive shoes and all with his (or maybe his parents) money. atlantappud why should i pay for all the dates anipisthundi. should i confront, or just keep ignoring this. i just want a different perspective on this anthey.

soo btech aipothundi, ala random ga paatha memories anni flash ayyaayi, so thought of sharing.

i got into my first relationship in 12th. let’s call him A. appudu everything felt perfect. he was nice, caring, full attention ichese type. naku kuda adhi chala pedda thing laane anipinchindi. typical first love phase.

btech ki ochaka everything started changing. different colleges, different circles… and slowly A original colours bayata paddayi. too possessive, too jealous, every small thing ki issue. like literally suffocating. first lo adjust avvalani try chesa but it just kept getting worse. we were on and off for months and finally it ended. mutual ane ankunnam, but honestly both of us were just tired.

ah time lo i met B. we started talking, just normal conversations, nothing serious. but somehow A got to know about him even though we weren’t talking anymore. appude real drama start aindhi.

A literally went to B and said “she’s mine, don’t talk to her.” like bro?? nen edaina object ah. and that wasn’t enough, he started blackmailing me saying mana photos me intlo chupistha if you continue talking to him ani. that was the point where i was like okay this guy is actually messed up.

cut to 2nd year, B and i started dating. things were going fine. but again A couldn’t stay out of it. he went to my brother and complained that i was roaming with some guy and that B isn’t a good person. like the obsession??? luckily my brother was chill and didn’t make it a big deal.

fast forward to 4th year, i’m single, peaceful, and honestly so much happier. looking back, i can’t believe i put up with all that for so long.

things i learnt:
don’t confuse possessiveness with love, it’s just control
if someone has to threaten you to stay, they’re not worth it
no relationship is worth losing your peace
walking away is sometimes the best thing you can do for yourself

anyway that was my little clown era. glad it’s over lol

PS : B cheated on Me