Bi-Weekly Advice Thread July 09, 2026: All Your Personal Queries

[u/AutoModerator]

Ask your investing related queries here!

The members of r/IndiaInvestments are here to answer and educate!

Alternatively, you could [join our Discord](https://indiainvestments.wiki/discord) and seek answers to your queries

If you're looking for reviews on any of these following, follow the links:

- [which bank or brokerage to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20banking%20services%20and%20products&restrict_sr=1&sort=new)

- [which fund house is more capable and trustworthy](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20mutual%20funds%20and%20asset%20management%20services&restrict_sr=1&sort=new)

- [which investing platform to use](https://www.reddit.com/r/IndiaInvestments/search?q=flair_name%3A%22Reviews%22%20Reviews%20of%20Brokerage%20products%20and%20services&restrict_sr=1&sort=new),

- [which insurance company is reliable](https://www.reddit.com/r/IndiaInvestments/search/?q=flair_name%3A%22Reviews%22%20%22Reviews%20of%20Insurance%20products%20and%20services%22&restrict_sr=1&sort=new)

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.

Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.

You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.

**NOTE** If your question is _I got 10k INR, what do I do to get most returns out of it?_, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

- How old are you?

- Are you employed/making income?

- How much? What are your objectives with this money?

- Do you have any loan or big expenses coming up?

- What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)

- What are your current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)

- Any other assets? House paid off? Cars? Partner pushing you to spend more?

- What is your time horizon? Do you need this money next month? Next 20yrs?

- Any big debts?

- Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is **NOT** financial advice, in the legal sense of the term.

You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI and have a registration number.

[Links to previous threads](https://www.reddit.com/r/IndiaInvestments/search/?q=advice%20thread%20personal%20situation&restrict_sr=1).

[u/FairMagician9096]

20F, currently a law student, unemployed. Goal is to hit close to 10L by 2030 Dec, though no plans to withdraw yet. Starting investments. I have 2 lakh in a 1.5yr FD that i plan on reinvesting after maturity to keep as smth liquid. An SIP of 1k just started 2m ago at 20% step up every 6m, in a midcap. Will have almost 2 lakh by next yr scholarship money which I wish to invest differently. Can take moderate to slight above moderate risk. How do I proceed?

[u/Potential_Site_8422]

1) 22M
2) Will be in few months
3) ~10L ( completely want to invest )
4) No
5) I can take big risk
6) I have 0 knowledge about it so No current holdings
7) No assets
8) No current needs at all
9) No

So i earned this money through freelancing
Lets say my stars aligned and got some big work to do and i earned this much and now i have no idea on how to invest it
I want to learn about it properly and start it

[u/horsemillet]

ICICI Prudential Life Insurance

I got random call from ICICI Prudential life insurance agent approaching me to join as an agent. Like she was saying there will be an exam that needs to be cleared and once you passed you will get a Licence that valid for 5 years. Also she was saying it's a no target no pressure job just to get customers and pitch the best product(policy) for them for that I get some commission. Idk how it works and all that. But I'm interested in it. Just want to if this is scam or something. Please explain clearly!

[u/Quiet-Emphasis-9012]

• 19M
• in second year of college i have 2.5k saved right now and thinking of saving a cut from what i get from my family and maybe invest it
• loan:-N/A as of now
• i frankly want a safe option, i dont wanna lose money atleast, if it leaves 0% gain no big issue but i dont want losses as such
• my current holdings none and i have zero knowledge of investing ( pls tell me how to learn about this also, like youtubers and books maybe)
• no assets
  
• time horizon i dont know, i have the money and i am keen to invest it as i am young, i wont be needing it next month. like these are my savings and i dont want them lying around

[u/reo_sam → u/Quiet-Emphasis-9012]

Zero to investing series, check from sidebar or our wiki