Hi Everyone! I am 22 just joined a law firm - will be earning around 1.4L per month- removing all the expenses i am left with around 80-90k. Now i want to Invest about 50k a month for sure. Do you have any advice on where to put in. I already was investing around 6k in MF before its been around 3-4 years of that.
High risk taking capacity.
Would really appreciate some insights.
Thank youuu
Current CIBIL: No credit history (first credit card)
Age: 22
Monthly Income and Employment Status: ₹1.3lakh/month (approx.), salaried, corporate lawyer
Monthly Expenses & Spending Patterns: ₹40k–₹60k/month. Major expenses include dining, Swiggy/Zomato, online shopping, fuel/cabs, travel, and utility bills.
Top 5 Monthly Spend Categories and Top 5 Annual Spend Categories:
* Food delivery and dining
* Online shopping (
* Travel
* Fuel and cabs
* Utilities and subscriptions
Preferences for Credit Card Features: have no clue lol
Reward Preference (Cashback or Reward Points): Open to both, but prefer maximum value and simplicity.
Lounge Access Required: maybe idk
Other Special Needs: First credit card. Salary around ₹18 LPA. Looking to build credit history and eventually upgrade to premium cards. Prefer cards from HDFC, SBI, ICICI, or Axis with good acceptance and rewards.