What are /r/IndiaInvestments' favorite Products & Services?

From 3.5 billion Reddit comments

It is returns for the index and not specific companies.

For people who want to pursue this, the book is available on Amazon:

https://www.amazon.in/Lets-Talk-Money-Youve-Worked/dp/9352779398

I'd say anyone who is new to investing might find it helpful.

It's going to get worse as more and more business integrate whatsapp.

WhatsApp will become like facebook messenger.

It was the reason why FB pushed the privacy policy. This is for whatsapp business people on wa business on what they can sell on WhatsApp: https://www.whatsapp.com/policies/commerce-policy/

For now your options are only block and report See: https://faq.whatsapp.com/android/security-and-privacy/how-to-report-a-catalog-or-business/

Checkout Money Manager by Realbyte. I've tried virtually every popular budget tracking application on playstore but always come back to Money Manager for its extreme simplicity.

I have been using Money Lover for around 4 years now. It's simple and intuitive and has lots of kool features to categories your expenses and generate monthly reports. This app works offline also, but is not purely offline as it can sync data to their servers. https://play.google.com/store/apps/details?id=com.bookmark.money

I have never been comfortable in giving SMS access to Walnut app

Book? Sites?

No man.

I started by buying stocks, losing money and learning from own mistakes and mistakes of others. Only rule, never make the same mistake twice. Make a new one everytime!

Read books later to validate the learning and to sound cool by quoting one liners like, "Price is what you pay, value is what you get."

I consider my initial loses as "fee payment to the BSE/NSE university".

PM me if you want to know the single most important secret for a successful stint in stock investing.

Edit:

Okay, looks like my earlier reply looked casual or non-serious, even though it was factually correct.

But here are some books everyone should read:

• The Intelligent Investor
• The Black Swan, Antifragile, Fooled by Randomness
• One Up on Wall Street, Beating the Street
• Security Analysis

Of course there are more and you can google them with searches like "must read books for investors"

One thing that I learnt the hard way is, "DO NOT FOLLOW TO THE ANALYSTS THAT COME ON THE TV"

And as I said in the PM, secret sauce is "PATIENCE".

PATIENCE MEANS: Let the price come to you. Don't follow the price. There are many fish in the pond. Forget the one you could not catch. Track as many good companies as you can for a LOW buy price. And buy them only when they hit those lows. It is not uncommon for companies, even the good quality ones, to move 30-50% in a calendar year. After buying, don't be in a hurry of selling and let the stock price reach its full potential.

Not that simple and straight-forward though.

For instance, the call between the front-end server (Node server) and backend API, might not be a typical JSON-based REST API call. JSON stringification and parsing can be pretty slow; and because you are in control of both these servers; you might want to use protocols that are faster than REST/JSON.

That's where complex interface protocols like protocol buffer or thrift come in.

Then, you've to ensure high availability. Say, there are 15 instances of front-end servers, and 72 total instances of various back-end services.

Any of these instances have internal DNS based naming - so, now you need a service discovery protocol. You'd also need health-check support - in case one service goes down for whatever reason, the health check service would remove it from the pool, and update internal DNS entries.

If a new service instance comes up online, it would need to be added to the list of services ready to accept these connections.

Here's a great intro on how complex a back-end can be: https://circleci.com/blog/its-the-future/

It's a sarcastic post, but they aren't too off of their point. They also have a serious follow-up post to this.

Podcast Addict - has ads (choice of either banner or interstitial) which can be blocked with Blokada (no root needed) or a fully deserved payment of ₹160.

Hi!

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Probably I am late to the party, but, I developed an app to track your investments at one place, and give you an overall view for your net worth. The app is still under heavy development and constant updates, but currently, I support indian stocks, US stocks (on request, will add yours to the app), equity and debt mutual funds, equity ETFs (india), fixed deposits, and I am currently adding a way to add your cash and saving accounts manually.

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You can check the app out here, and follow us at r/Artos for updates on new features. You can feel free to DM me directly or post on the sub for feedback, issues, or feature requests.

1. Download the browser : https://play.google.com/store/apps/details?id=com.brave.browser

2. Go to the article you want to read.

3. In the address bar, find the logo of the browser (looks like orange lion). Click on it.

4. Scroll a bit and you will see option to toggle script blocking.

5. Refresh the page.

Official TRAI app for making complaint: https://play.google.com/store/apps/details?id=trai.gov.in.dnd

This is an old app but works well even today:

https://play.google.com/store/apps/details?id=com.deepakj.smspam

I have a DND. Activating DND takes a month or so. I religiously report every caller and SMS.

it works , takes few days

This is the app: https://play.google.com/store/apps/details?id=trai.gov.in.dnd

If you use Android, Walnut is the app you're looking for. It tracks expenses based on transaction messages from banks so the whole process is quite automated. Pretty impressed. Try it out -https://play.google.com/store/apps/details?id=com.daamitt.walnut.app

Read about 'Account Aggregators'. This is a new (feature?) that would be offered by banks, etc.

Few have started thinking in this direction... we might have some offerings in months to come.

Alternatively, have a look at Artos (https://play.google.com/store/apps/details?id=com.rekisha.geld&hl=en\_IN&gl=US)

https://play.google.com/store/apps/details?id=com.expensemanager

I have been using this app since 2012, it has never failed me. It has automated backups to Google Drive or Dropbox, has a rudimentary sync between devices, search, summaries, budgets, repeating payments, reminders. Actually it has so many features I won't be able to list them all, but it is still dead simple to use.

They have a paid version if you don't like ads.

A dummy example will also do. You can also create a anonymous google sheet no need to disclose your ID (see https://lifehacker.com/how-to-create-an-anonymous-collaborative-google-sheet-1821990886) .

If possible, please make a separate post so many more people can benefit and diverse suggestions will be possible.

Thanks!

Try this https://play.google.com/store/apps/details?id=in.whoopee.myportfolio

Literally the best investment tracking app ever. I tried others but they didn't had SGBs

Also I don't think it has international stocks in it

I use Hello Expense. It's old, looks terrible, has no funny permissions and allows CSV export.

For me it has now become second nature to just enter the expense in the app as I make it. End-of-month I export the CSV and it gets picked up in my main Excel tracker.

https://play.google.com/store/apps/details?id=com.helloexpense

Awesome content u/crimelabs786!!

I am a passive investor and usually gets disturbed by news such as Nifty at 7k, Nifty at ATH, PPLTE is a great fund etc. This articles reminded me of the the Defensive Investor from The Intelligent Investor which I decided to be but gets distracted by the print and media as this is what they want to earn the most commission. This post was an eye opener. I have been investing 50% each in Nifty50 and S&P 500 and was thinking to add Nifty next 50 but now have decided not to do this after reading this. Thanks for the great content.

Hi,

u/jessiahdaine already mentioned Artos, but just adding details in a top level comment!

I am the developer of Artos, which is an app to track all your investments and net worth at one place (that's the vision, the app is under development). Currently, the app supports NIFTY 500 stocks, most equity and debt funds, ETFs, FDs, EPF, Cash accounts. Currently, you can import your stock, and MF investments from csv files, or import Kuvera transactions, import your EPF passbook. The app also gives you some analysis like your asset allocation, equity exposure to individual companies, and sectors, what MFs are buying and selling.

As mentioned earlier, the app is under rapid development, and I am the sole person working on it. I am planning to add a lot of features, but, please expect some delay, and issues. You can reach out to me personally, or join r/Artos for updates, bugs/issues or feature requests!

You can download the app here.

Uses live data (India and US markets) : https://play.google.com/store/apps/details?id=com.alifesoftware.stocktrainer&hl=en

I like how the app has transaction costs too, you get an idea as to how many trades are impossible due to the transaction costs involved

Cannot place shorts though

[As top level comment]

Official TRAI app for making complaint: https://play.google.com/store/apps/details?id=trai.gov.in.dnd

This is an old app but works well even today:

https://play.google.com/store/apps/details?id=com.deepakj.smspam

Start reading "The Intelligent Investor". What do you understand about financial statements? Are you a science student or a commerce student? There are other ways of earning money as well (such as working part-time). I'm a college student as well.

With 50 Lakhs you can choose to invest 10Lakhs in 5 different startups. (Which is kind of seed money). Or 25 Lakhs in 2 or 50 Lakhs in one.

As per statistics your probability of making a great return is almost nil except if you are lucky to recognize a great team who is going to build the next great thing. A good read - http://techcrunch.com/2012/09/30/why-angel-investors-dont-make-money-and-advice-for-people-who-are-going-to-become-angels-anyway/

Now what to do with your 50Lakhs, 5000 sqft office, your existing network and your experience. Invest in a startup which works on a domain you have expert knowledge. Invest your time and skills in helping the startup team to grow the company. If the startup team consists mainly of young people(like most tech startups) and if it is their first startup, you will have to wait patiently for their immaturity and inexperience to fade away as their experience grows.

And if you are planning to invest in tech startup, I suggest you to read the book "Zero to One" by Peter Thiel. It will give you more clarity.

That is a good book to start.

You should read books of different styles. The main categories would be:

1. Value Investing Flavored.
2. Growth Investing flavored, like of Peter Lynch.
3. Books which say that Active Management is dumb and Passive investing is the best. Eg. A random walk down the Wall Street.
4. Behavioral Finance books.
5. Read about trading and options, quant strategies, etc.
6. Read about Mutual funds and how they work.

Once you have gone through the main pillars of investing, pick and choose which one is suitable to your own mind and stomach. And then read some further in that direction.

Also check the sidebar.

Only when you will put your own money, will all the reading start making sense (or nonsense) to you. khelostocks or others will not help much. If you want to be in equities, you will have to be in them for 4-6-10 years to really understand its gyrations and your own ability to digest those.

My additional specific book recommendations would be:

1. The only 3 questions that count - Ken Fisher
2. Winning the Loser's Game - Charles' Ellis
3. The Four Pillars of Investing - William Bernstein

I use a combination of Walnut (https://play.google.com/store/apps/details?id=com.daamitt.walnut.app&hl=en) and Financious (https://play.google.com/store/apps/details?id=com.code44.finance&hl=en) on my android phone to manage my funds.

Walnut has some killer features that make it stand out. It can give a consolidated view of your expenses across various credit / debit cards and bank accounts. It even tracks the location of all the ATMs you have withdrawn cash from. It does its magic by intercepting SMS messages sent by banks and auto-categorizing the spends. It also keeps tracks of the credit card bill due dates, and sends you reminders for any BookMyShow bookings too.

Financious requires some manual work, but its interface and to-the-point reports more than makes up for that. You will need to add your transactions one by one. You can categorize / tag them, distribute you money across various accounts, and even do a "transfer" between accounts. (Not that its real though. This is just an on-paper(!) accounting system.) Still, you get to know how much money you have on hand, and how much money you have spent across various categories. Very useful for budgeting purposes.

Interesting Article that I found while searching for the articles:

10 ways to wipe out your retirement savings

This needs more upvotes! As per their pricing guide, it says One Intl accounts require a minimum balance of $1,000. I wasn't aware of them not enforcing their $25k minimum initial deposit; but good to hear!

A great advice.

For anyone queasy about relinquishing the passwords to their accounts, I feel i can shed some light on the password manager softwares. Like most softwares/services there are 2 types

1. Open Source: BitWarden, KeePass
2. Proprietary: LastPass, 1Password

I can't comment on proprietary services, since their security infra etc isn't known to everyone.

But Bitwarden is a solid choice, the whole system is open sourced, it's properly certified. Bitwarden uses AES-CBC 256 bit encryption as well as PBKDF2 to secure your data. So one can say that if you use a strong enough master password and BitWarden gets hacked, unless you have a govt against you, your passwords will be safe. Key point here is keeping a strong master password, simply put the longer and more complex your master password, the harden it's to crack your passwords.

For the truly paranoid who want to protect stuff from even govt, use Keepass, you keep the data of your passwords with you, the encryption/decryption happen in your system. But you need to be very tech savvy to use it.

Well, that's actually not a bad idea.

These days, even CAMS is saying you've to invest with them, and in the form, they are selecting Regular plan by default. Hope SEBI cracks down on these soon.

You can tell Quantum support that you would invest with them - Quantum Liquid fund takes minimum 500 INR investment.

Invest in that fund for 500 INR, get the KYC done - keep an eye on KRA site. You'll also get an email from Quantum, that your KYC docs have been submitted.

Once they do that, and your KYC status changes to "under process", or "modification on hold", withdraw that 500 INR and move on. It's a liquid fund, you won't lose anything.

Quantum might say 500 INR is too less. Tell them Reliance UST takes 100 INR for minimum purchase, and if they don't do KYC update for you, you'll get it done through Reliance.

Another option would be to sign up on Scripbox or FundsIndia or Wealthy.in.

Basically, create a fake email ID (temporary email IDs can be easily obtained these days) - send a mail to each of these services.

Saying that you want to invest lot of money, but you are limited by eKYC. Ask how fast they can do your KYC, since you've lot of money to invest.

Whichever service comes back with minimum amount and minimum turnaround time - go with them.

Do not use your actual email ID (most likely, everyone has a mail GMail ID) for this. Use a throwaway secondary email ID. If you use actual email ID, the spam would never stop. Use something like this.

Your KYC email ID is immaterial; contact details can always be updated with AMCs later.

Did he really say that :)

He owns more than 50 companies outright and stock and preferred in plenty more. So not sure where the 6 limit comes from. Definitely he is not following what he preaches.

I don't know of any other qualitative analysis of mutual funds, catering to Indian funds. At least freely. Most do quantitative and are not very great.

thefundoo.com is a newer site and they are getting there. They use a lot of parameters, but imo, more analyses and more factors does not translate into better predictive abilities. You can check them out and keep them as a fallback help.

The idea of this guide is to find out pretty good funds, rather than the best (which no one can do).

The Indian morningstar does not do premium services (check morningstar.in). The US version does (.com) and they provide stock specific reports, etc.

Eg, check this view of SBI on indian domain and on the .com domain here. The latter shows the premium services details and you can get a 14 day trial of that. Most of it is equity analyst research, just like any other analyst reports.

/u/craytheon also does that. You can ask him about the equity research services.

GnuCash is GNU GPL licensed, cross-platform program. Works offline, can save data in SQLite, XML or PostgreSQL format which can be accessed and updated from multiple systems running macOS, Linux, Windows but NOT at the same time. You can have real life account structure for every type of income or expenses. You can prepare P&L, balance sheet, capital gains, expenses charts and many other reports.

It also has an android app as mentioned by u/hrjet and u/5ol which can be used to enter transactions on the go and then these transactions can be synced/merged with the desktop data file. No iOS app yet.

Plain-text accounting with hledger or Ledger CI is also a way but I've not tried that because GnuCash gives all the required features and helps me keep all my bank, investment and credit card accounts reconciled.

No need to believe you, pricing is public information and is listed on their website: https://slack.com/pricing
Lot of services have both free and paid versions like Ubuntu, Dropbox, Reddit, Trello and Slack from my list.

I think that's because due to the pandemic book printing's been affected and its eastern edition isn't being printed or whatever. I had bought a paperback for ₹285 in 2018. Here I found it from my history: https://www.amazon.in/gp/product/8126564636/ref=ppx_yo_dt_b_asin_image_o00_s00?ie=UTF8&psc=1, if you're really interested in reading this set an alert for the paperback.

Hey!

Developer here. I built Artos to track all assets at one place. For stocks, we support Indian & US stocks, along with dividends for Indian stocks. We provide both absolute and XIRR returns, your exposure to companies and sectors, and data around shareholding, insider trading and corporate action. Currently we are only supported on Android, and you can download the app on PlayStore here: https://play.google.com/store/apps/details?id=com.rekisha.geld

For any issues, or feature requests, you can DM me or join r/Artos.

The book which had the biggest influence on me and changed my view on Investing was from John Bogle, Father of index funds.

This is the one and only one book on index investing you require ;-). Little book of common sense investing. Its the number one best seller in mutual fund investing over amazon.

He has written many other books too which you can slowly digest one by one.

I use an android app called Monito for personal budgeting. Clean and simple. Helps me define expense categories. And offers an option to port historical expenses in an excel format for me to work on later. For my family estate's expenses, I log every expense on a spreadsheet. It's a difficult habit but so rewarding.

Along with your method you can use below app. I'm using it since couple of months. It doesn't sync up with sms or bank statement one needs to manually put details in it.

https://play.google.com/store/apps/details?id=com.realbyteapps.moneymanagerfree

It seems that your comment contains 1 or more links that are hard to tap for mobile users. I will extend those so they're easier for our sausage fingers to click!

Here is link number 1 - Previous text "RiF"

^Please ^PM ^/u/eganwall ^with ^issues ^or ^feedback! ^| ^Delete

If you want to understand these and similar ideas in all details and get them hammered into the brain, you should read The Millionaire Next Door.

Seconding the recommendation to start with William Bernstein. You could start with If you can, which is available for free from the author's site. You could move onto The Four Pillars of Investing after that (you'll have to buy this one though); it is for liberal-arts majors and thus not heavy on math.

It is a good thing you started early. I wish I had too. As you have said, you don't know much about about picking stocks, until you do you can invest monthly in instruments that require less research on your part like, MF or index funds (read the wiki). It is more important to have discipline and sent aside a particular amount every month for investment.

Suppose, you invest 1000 INR every month in a low-risk instrument till you retire, which gives you 10% average return over the years. You will have 57,60,000 when you retire at 60. With a better portfolio and larger investment, you can have more.

You can use this online game to try to practice. With it you can research and build your portfolio, according to your knowledge, free time and risk appetite.

You can also read entry level books, frequently recommended by other Redditors:

1. Millionaire Teacher (Not for serious investors, but good starter)
2. Intelligent Investor (Needs some knowledge)
3. The Richest Man in Babylon

etc.

Good list by minvest on what to do.

http://www.subramoney.com is the best blog for someone starting out.

I would recommend to read the book, "The Richest Man in Babylon" to get a general idea of how you need to think about dealing with income, savings, expenses, investments.

You have the advantage of time on your hands. So with the power of compounding you can get pretty wealthy in a few years if you save and invest enough.

Asset allocation with equity+debt mutual funds is the way to go with long term investing.

Hi, Starting SIP or setting up an STP is the best option. However, if you choose to invest some part in debt funds, then you can invest as a lump sum too. You can try our app Wealthtrust (Direct Plans only) https://play.google.com/store/apps/details?id=com.app.wealthee&referrer=utm_source%3Dwebhome

This one

Very lightweight and clean interface. Gets updated at 9.30 pm everyday. You can't buy mf through this, only for portfolio overview.

I used etmoney, it felt like a bloat, and lacked a lot of mf-specific features.

Honestly, that's a very simple definition of what money is, something that you would tell a teenager casually. You're overthinking an analogy.

If you really want to learn what money is, there is a much better book you can read.

Youtube is great but there's a lot of stupid surface stuff said by seemingly reliable people and most of it is garbage and not worth inquiring deeper into. When it comes to education, you should always choose your sources carefully.

www.forbes.com Web results Facebook AI Creates Its Own Language In Creepy Preview Of Our Potential Future

https://thenextweb.com/artificial-intelligence/2017/10/16/googles-ai-can-create-better-machine-learning-code-than-the-researchers-who-made-it/

https://www.fastcompany.com/40564859/an-ai-can-now-write-its-own-code

Built an app for Peer to Peer lenders to keep track of their borrowers interest payments.

Here is what you can do with Eleven App :

1. Manage Borrowers

Store all your borrowers list and their interest payments data in a single app.

1. Track Interest Payments

Get your borrowers Interest Payments data in a organized table format. You don’t have to organize the data that you wrote on many pieces of paper anymore.

1. Access Anytime

All data your borrowers data is securely stored and you can access it on any mobile device with your registered email and password, Anytime.

Play store link - https://play.google.com/store/apps/details?id=com.ganesh.elevenapp

Would like to listen to your feedback.

Few days back I received call for personal loan, currently I'm in need of 5 Lakh rupees, so decided to proceed.

Today I contacted them, first they told me to install this called HDFC Loan Assist. I asked if I can do it through PC, as I'm not comfortable doing it over phone, but they said it is the only way.

Since I require the money, I installed the app and provided all the required information.

At the end, to get the bank statement, the app redirected to another website, something called "app.perfios.com/KuberaVault". The agent is asking me to enter the HDFC net banking username and password in that site, I told I won't enter the net banking credentials because site doesn't look like HDFC site.

But agent is saying it is legit, can anyone confirm if this is true ?

Let me dig it out ...

Edit:

http://www.marketwatch.com/story/warren-buffett-to-heirs-put-my-estate-in-index-funds-2014-03-13

"Some will argue that Buffett's advice is a case of "do as I say and not as I do," and that's a fair criticism. For instance, on Berkshire's behalf he holds a small number of stocks in a limited number of sectors. One academic analysis of his Berkshire investments found a median holding period of one year."

Hi thanks for the detailed information. In https://www.schwab.com/legal/schwab-pricing-guide-for-individual-investors it is written

>For Schwab One International® Accounts, the amount that must be maintained in an account is $1,000—lower than the Minimum Deposit Requirement.

Would you be able to help clarify ? Thanks

In case you haven't seen the app, try YouTube Vanced. It's Android only, so won't work on iphones. It's not on the app Store because it runs ad blocking which Google doesn't like, but it's open source and a really excellent app.

I've been using it for a few months and haven't seen a single ad, as well as been able to play vids in the background etc.

On desktop using an ad blocking extension like uBlock works for YouTube as well.

https://vancedapp.com/

One additional thing we can consider here is, assume 1.5L of 80C is kept in ELSS, you'll get 1.5L + P&L in 3 years. I use ELSS because it is the shortest with 3 years lock-in.

This can be a factor when deciding old or new method.
here is the modified script with ELSS in consideration.

https://repl.it/repls/ExcitableDefiantSymbols

Ok, assuming you've no NPS, I think you can switch to newer slabs. It'd save you about 3.9k in taxes every year, if your salary is over 15LPA.

Calculation here: https://repl.it/repls/FrontSlushyLanserver

Just hit the run button. You can edit the income variable at the top of the page, but the exact amount of tax saving across two systems won't change.

Hey, can you add entries for Home loan and edu loan interest?

I have a fork at https://repl.it/repls/PastelGlumReference with minimal formatting changes if it interests you.

NCFM Mutual Funds (A beginner's module)

• P.S. - Not sure what this sub's policy is on content that may have been pirated; i.e. may not be authorised for distribution. Since, it's out in the open, I'm merely pointing you to it. @Mods, if you think this is not ok, you can remove the post.

*Also, please do not spend money on some charlatan who promises to teach you the basics of Mutual Funds. If you see them asking for money, you better run away.

Recently updated my income tax calculator app "FinCalC" with new features including income tax calculation that helps you to choose between old and new Tax regime. The app calculates your income tax based on your income and investments mentioned. It also tells you how much more you can invest to either save more income tax or pay zero income tax.

Android app link: https://play.google.com/store/apps/details?id=com.rrr.apps.financialcalculator

Also, have made it easy for you guys to calculate your income tax, sip returns, Home loan EMI, savings account interest, HRA exemption calculator, etc. with online calculators on my website below. Website also has many excel calculators under Blog section.

Website link: https://fincalc-blog.in/calculators/

These Calculators are also available on above mentioned Android app as well. Let me know your queries or suggestions.

1. Wise.com is a popular option. Rest can be found through a simple internet search
2. Not the best idea to invest in India MFs while you are tax resident in US. If he's only there for 2 yrs, maybe that is fine. ask him to read about US's PFIC rule on non-US domiciled MFs/ETFs
3. Index funds. Open an account with charles schwab - invest in US-domiciled index fund. When he wants to come back, Charles Schwab will convert the account to global account
4. This is first time I'm hearing that employer will continue to add money in PF while he's working in US. This is unlikely.

Haven’t used it since the demonetisation so don’t know how the app looks now. I found it quite helpful that time to track down the ATMs which were not dispensing 2000 notes.

But it definitely used to send data back to its servers. I started freaking out when it started sending me sms alerts to pay my credit card bills via their app. Have a look at their privacy policy which leaves me with no doubt that they sell my data without my consent. Although they say no individual identifiable information is shared unless approved but I doubt. Of course I know that if the service is free then you are the product. This is the reason why I stay away from these free SMS reading automated expense trackers. Through my SMS history they know where I eat, drink, shop, stay etc. They can know which other services I use. Do I take a cab to office or deduce that I drive my own car from the fuel station transactions and so on.

YNAB is available for anyone but we can’t link them to our Indian banks yet for them to automatically pull out the transactions. Which I think is a good thing. They also "claim" that they don’t sell users data and never have. I kind of believe them because they charge a hefty amount for their services. But it is more of a budgeting tool with a strange philosophy which takes time to get used to. May not suit everyone’s requirements.

Yes. I was trying to find something myself, but couldn't find any. So set on to build something myself. You can check it out, if you're on Android here: https://play.google.com/store/apps/details?id=com.rekisha.geld

Don't invest in something which you don't understand yourself.

There was a recent IPO of Snowman Logistics, which is into this.

Check this article for a report, which you can presumably buy.

I think paypal doesn't allow transfer to India no thanks to Indian regulations.

There is no option to select India here: https://www.paypal.com/us/cgi-bin/webscr?cmd=xpt/Marketing_CommandDriven/general/International_Money_Transfer-outside

You can check out Paisa Vaisa's latest podcast on this: https://podcasts.google.com/?feed=aHR0cHM6Ly9zdGF0aWMuYWRvcmlsYWJzLmNvbS9mZWVkL3BhaXNhLXZhaXNhLnhtbA&episode=aHR0cHM6Ly9zdGF0aWMuYWRvcmlsYWJzLmNvbS9hdWRpb3RyYWNrcy92MS8xODQ2LUlvMHpwN21STmZpdm5WYjBfYWRvcmlmaWVkLm1wMw

>Done. Using Bitwarden

I am using keepassXC and store only critical passwords in there. Trying to compare keepassXC with Bitwarden. https://keepassxc.org/. I also sync up keepassxc file using google drive. Trying to compare Bitwarden with keepassXC.

Can't recommend a password manager enough. My workflow with rarely visited websites was to recover password each time I had to log in.

They used to be a bit of hassle on mobiles to work properly (you had to copy the password to clipboard and paste it), but with Android 10 there's an inbuilt accessibility service that password managers can use to securely auto-type the credentials.

I've heard good things about Bitwarden and would recommend it to people new to this. I personally use KeePass and KeePass2Android on my phone. You can setup your own private server or use cloud storage to sync data between devices.

Also will clear lot of your doubts

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A good book tailored towards Indian stock amrket analysis:

The Desi Investor's Guide to Analysing Stocks: Analyse Indian Businesses and their Managements. (The Desi Investor Series.) https://www.amazon.in/dp/B097S2QB3W/ref=cm_sw_r_apan_glt_0YJM2P70SD3H7DWBM9WX

Before you buy, just look at the seller profile. If they have a lot of sales with good reviews, you can trust them. Avoid the new sellers with very less reviews.

After you buy the BTC from LocalBitcoins, you can exchange them for ETH from https://shapeshift.io(for a small fees).

Well, that's why I mentioned it as not really "no cost". The bank charges you interest and you have to pay GST on it every month. It is just that the seller (Flipkart) gives you a discount equivalent to the amount of interest. It is different from the "interest free" EMIs that used to exist.

https://www.flipkart.com/nce-store

Checkout http://simplywall.st - it's love it's UI and depth, and everyone in one place style, plus it's a global research tool no matter what exchange/market, first 14 days are free.

I'm working on a project with the exact same objectives. To gauge how covid-19 has shifted investment preferenced amongst household investors
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I get the fear. Why don't we make a list of companies that screw customers over? And back it with with real reasons/situations.

Slander & speculation helps no-one neither you nor Kuvera.

Eg: this has all the tech companies that don't delete data - https://www.producthunt.com/posts/naughty-list

This. But make sure you take commissions and fees into account when you buy ETFs. In general, each transaction has a fee/commission. But most US brokerages have some commission-free ETFs. Charles Schwab's seems to be here: https://www.schwab.com/public/schwab/investing/accounts_products/investment/etfs/schwab_etf_onesource

From that list, select a cheap good ETF. In fact, I will suggest that you pick two: one tracking the US, and the other tracking international equity (ex-US), and split your investment into those two. That is an easy way to get exposure not just to US, but also to Europe, Japan, China, etc.

True that data is imp. now. Even I'm a big time privacy person. But I liked this one because it gave quite a few options allowing me to choose my privacy & control with data. https://budgetbakers.com

> I can't comment on proprietary services, since their security infra etc isn't known to everyone.

1Password documents its security here - https://1password.com/files/1Password-White-Paper.pdf

Been using for 1.5 years now. 10/10 service and software quality. Haven't tried others though. If you want premium, pay using Android or iOS store, way cheaper that way.

I love KeePass. It's open-source, reliable and available in multiple forks.

I use KeePassXC and can't recommend it enough. It has autotype URL and login details, password expiration and cross platform support. It's a workhorse

You could probably use the Bypass Paywalls extension (Firefox and Chrome) which also lets you read even international news sites like WSJ, NYT, etc.

For what it's worth; last two jobs I've had, I got it through take-home coding assignments.

First one took me a week. It wasn't that tough or anything, could've been done over a weekend - I just really wanted to nail unit-testing, integration-testing, code style, deployments etc. Interview panel seemed to like that. But it was non-paid, because the project had no relationship to their day to day work, even though tech-stack was samw.

Had to spend a month on the second one - because this was a bigger project, and my employer had a need to get it shipped as quickly as possible. They paid me handsomely for the project (freelancce contractor), and I eventually took the offer of a full time position.

Auth0 has a very interesting approach to project-based hiring - they directly assign tasks to people interviewing, from their JIRA boards

Onsite calls are usually done only if you want to talk face to face and showing the potential joinees around the office, have them meet different people at various levels within the org.

Am not averse to the idea of projects, because interviewing in tech is broken, and alternatives are just as bad. But, if you want me to do a project, send me the project requirements ahead of time, and ask me how long I'd need (because I still have a day job) to finish it.

> Google One

I don't think so. From what I can see it is just extra stuff on top of what free services google provides.

https://workspace.google.com/intl/en_in/pricing.html is what you want for your own email.

For 7,000 you could just get a Godrej safe.

Most of these lockers are quite expensive anyways. They are not safer in case of a robbery, or natural disaster. And they are also not insured.

If you live in your own house I would strongly reccomend getting a personal safe installed in the wardrobe.

I built this Automatic expense tracker to keep track of my digital expenses and income at one place in an intuitive way with graphs and insights. You can check it out on Playstore .Walley app - Automatic Expense and money manager

Trendlyne Markets - this apps offers great insight. About the mutual funds holding a stock, the pattern change, bulk deals and many more things. Explore the app. If you don't find it, hit me up again. https://play.google.com/store/apps/details?id=com.trendlyne.markets

I have been using Money Lover - https://play.google.com/store/apps/details?id=com.bookmark.money

It felt it to be simple and easy to use. I don't feel comfortable in giving apps useless permissions and they don't ask for one.

Although, I haven't used this app since COVID lockdown, didn't felt the need too. Maybe will go back to it once things open up

I opened an account with niyo online. got my debit card as well in one week. But the account never got activated in 2 months. The debit card pin would generate and the next time I login into the app, it will again ask to generate the pin. KYC was still showing as pending even after giving all the documents.

I sent them multiple emails and every response was a copy-paste reply like "we regret the inconvenience, we are working on it". After every email, I have to explain the issue from starting again. They would raise a ticket and just close it. 3,4 tickets were raised and closed this way. They claimed to have a 24x7 WhatsApp service as well. So, I messaged there. It was a total scam. The whatsapp people used to give totally stupid kind of solutions.

I thought it was an issue with my account. But it seems to be a company-wide issue. Their app literally has 1.9 star rating on google play: https://play.google.com/store/apps/details?id=com.niyo.idfcsavingsaccount&hl=en_US&gl=US

I paid 45k while opening the account. It got stuck there for 2 months. I asked them to just close the account and they said that they cannot. Go to IDFC and get it closed. Then I asked to get the account activated, they asked me to come to Delhi for that.

I got the number of a IDFC manager, and got my account closed and my money back after 2 months. I do not think others were able to close their account. I was only one of the few who managed to do that.

NIYO IDFC is one of the worst experiences I ever had. It is a clusterfuck beyond imagination.

I paid 45k while opening the account. They were never able to open my account. Every email was a copy-paste answer and my money was stuck there for 2 months. In every message, I had to explain the issue from starting again and they will say that "we regret the inconvenience caused".

I finally asked them to close the account after 1 month of trying, and they said that I have to come to either delhi, mumbai, chennai, bangalore to close the account. Delhi is 5 hours away from my city.

Go to their google app page and you will see it has around 2.0 star rating https://play.google.com/store/apps/details?id=com.niyo.idfcsavingsaccount

Their community page is also filled with complaints where users are struggling for many months just to close the account and get the money back.

Stay away from Niyo, if you want high interest then directly open an account with IDFC. That is what i did. I get 6% interest on my SB and got 500rs. cashback as well for the first transaction.

I'm developing a privacy focused investment tracker for retail investors, and is named Artos.

Currently, we support stocks (India & US), mutual funds, ETFs, cryptocurrency, deposits, EPF/PPF, NPS, Gold etc. We also provide basic analytics, market data and goal tracking. The app is currently available on Android, and you can download the app here: https://play.google.com/store/apps/details?id=com.rekisha.geld

Do give it a try, and you can share feedback, suggestions or issues at r/Artos

Start with this book.

https://www.amazon.in/Lets-Talk-Money-Youve-Worked/dp/9352779398/

Once you have finished it, you will have answer to most the questions. As far as mutual funds are concerned, go for Index funds in beginning (Nifty 50/Nifty 100).

Good work OP! For me, I knew I should track my expenses after listening to my parents always wondering "where did all the money go?", so started looking out for an expense tracker before I started working. (around a year ago) Been using this app recommended by a fellow Redditor around the time, has been doing a great job for me. Bluecoins

I use daily pay for the same. Its way too simple to use and i track my money right after i paid it. Its become a second nature to me.

I use the below app. Simple UI and good features. Tracking all expenses especially with multiple bank accounts and cash expenses is cumbersome. I do manual entries weekly or whenever I'm free.

https://play.google.com/store/apps/details?id=mic.app.gastosdiarios

As others have mentioned, you do need to make it a habit in order to do it long term. One thing that has helped me tremendously is to use a simple expense tracker app which gives me the freedom to tweak things manually, while at the same time, being quick and simple enough to not get in the way in day-to-day usage.

Having tried many apps, MoneyManager is where I found my sweet spot (Link here) . Aside from privacy concerns of giving an application access to my messages, I don't trust the automatic handling of expenses part (lots of issues like double tracking as OP mentioned). So now I manually enter every single expense (and yes, that includes a 10rs tea as well) as soon as I've paid. Having done this for more than 2 years now, it's second nature and doesn't require any active thinking on my part.

I've been using INDWealth since Feb of this year and have been quite satisfied.

You do have the option of auto-tracking your portfolio to KISS it but if you're concerned about privacy (like me) still you have the option to upload the CAMS pdf.
Connecting with Zerodha tracks the stocks. This seamlessly tracks the SGBs and ETFs which I found difficult with other apps.

It helps you track MFs, Stocks, FDs, EPF, PPF, NPS, Bonds, Credit Score all in one place. One of the best features is their automated advisory on your portfolios. Notifies

• If companies in your portfolios have met/failed quarterly results expectations.
• Your Credit score changes
• Your fund performance wrt its benchmark.
• Fund and stock recommendation which seem really personal but I take them with a pinch of salt.
• Macroeconomic Insights

You can also track other categories like PMS, AIFs and Real Estate but have/can not try those yet.
Also, they are not charging money for now for above features. They are slowly switching to paid version for some features but as of now I haven't felt the need to switch. Maybe if more people join, they'll start monetizing the app 🤭. They've also started giving loans on investment like Kuvera, so that might be another cashflow for them.

Also, you can grant access to the SMSs to auto-track your savings accounts and expenses (like Walnut, but Walnut seems to be much better at doing this job).

This may come to a point where you may be worried of a single company knowing too much about your financial health.

Best to read to get basic knowledge true practical and helpful about health insurance is let's talk money by Monica halan https://www.amazon.in/dp/9352779398/ref=cm_sw_r_cp_apa_i_dlC_UtyNFbWNK7DDD?_encoding=UTF8&psc=1

Or u can follow podcasts money with Monica or check mint secure now health insurance ratings https://www.livemint.com/mediclaim-rating

Best to read to get basic knowledge true practical and helpful about health insurance is let's talk money by Monica halan https://www.amazon.in/dp/9352779398/ref=cm_sw_r_cp_apa_i_dlC_UtyNFbWNK7DDD?_encoding=UTF8&psc=1

Or u can follow podcasts money with Monica or check mint secure now health insurance ratings https://www.livemint.com/mediclaim-rating

I am developing a privacy focused app (r/Artos) to track all your financials at one place and get over the hassle of having to look at multiple places or managing excel sheets manually. Currently, the app supports stocks (India & US), mutual funds, ETFs, FD/RD, EPF/PPF, NPS, Gold, Cash and Other assets. We also track your net worth over time, dividends, and provide you a summary of your equity exposure to different companies, and sectors, and some market insights. We also allow you to track your goals, while your data staying on your phone!

Currently, the app is available on Android: https://play.google.com/store/apps/details?id=com.rekisha.geld&hl=en_IN

I am fairly regular on reddit and take feature suggestions/issue reports over at r/Artos! Come check us out! :)

Investments and Insurance are one/couple time activity the whole year. Tracking daily expenses is the most tedious and also the greatest way to cut done unwanted expenses. I have been using this Expense Manager since 2+ years and it is lovely. Takes hardly a minute or two, to log each day's transactions. And also syncs the data to drive. Only the downside (which I don't think it is, w.r.t. privacy) is: has no auto detect sms feature; every entry need to be done manually.

Well there are many platforms for this!!

I personally prefer Elearnmarkets app for learning about mutual fund investment.

However when it comes to analysis via charts etc, I use StockEdge app, one of the top research app I can think of.

You can give them a try

I use Money Manager Android. Disclaimer: No automation, but I like it that way. Provides reports. And no website but you can add the functionality of backing up the data to GDrive. There are different accounts/categories/sub-categories and everything customisable. Very simple.

Also can be used in a PC on same wifi using local-hosted server on your android.

Looking at CUB's balance sheet and debt this seems to be a rock solid stock. But according to me it's fair value is in the range of 125-145; which does not leave enough margin of safety. My rule is atleast 30% margin of safety which we clearly don't have here. If you are interested to know more checkout my app: https://play.google.com/store/apps/details?id=com.zestsolutions.stockylabs

first things first,

I recommend you download Varsity by Zerodha. It is an offline app that teaches the basics regarding investments in an easy to comprehend format.

here's the link: https://play.google.com/store/apps/details?id=com.zerodha.varsity&hl=en_IN

secondly, try to not make investment decisions based on what friends tell you. Do your own research, since it's your money on the line.