so hello everyone today in this video
i'll be sharing the reality of my
software engineering salary and how i
invest every single dollar from my
salary into stocks crypto mutual funds
index fund bonds everything i'll be
revealing every single detail india menu
wherever i invest i'm going to give you
all the details because currently market
is down so let me show you a little bit
about the market so if you want to take
a look at the market in india and u.s so
basically let's look at take a look at
index fund because index fund tracks the
economy index is associated index fund
economy
index fund goes up as well index fund
cons contains of around 500 funds in the
us so if you look take a look at vo
stock which is s p 500 it's kind of 500
stocks
it
keeps a track of bonds market and
basically puri country economy so it is
down currently by if you take a look so
max was around 444 dollars at one point
and we have 400 dollars it's down by
around 10 percent let's take a look at
india stock as well
india sends six right now so india's
sensex is which is currently fallen by
japeek there was 61 000 now it's
currently sitting at 57 000 so 10 000 of
us 6 000 so that is also down by 10
so economy of both u.s and india is
currently down by around 10 percent so
that's why it's the best opportunity to
invest
in the last video i shared how i was
able to you know pay one crore tuition
and
look so spending that you must be
getting that much return in your salary
that's absolutely not true i definitely
don't make around one crore the amount
could be here and there but it's
definitely not one crore and many uh
website with akhada on some website that
singing usa net worth is one million
dollars that is also absolutely not true
i am far from it so let's start with so
starting with my salary breakdown now so
basically salary is other pieces of
there first of all i'm going to take a
photo of this market so that you can
know how i actually invest so let's take
a screenshot of this market which is
really really down right now and it is
very important for you to invest right
now before even giving you the breakdown
of the why it is very important to
invest so if i if i take a look at being
being an nri may actually abbie indian
city you know i am on f1 visa i'm on
student visa i'm an indian even then i
am considered an nri according to
india's economy this is very shocking
it's
if an indian student goes to us canada
australia irrespective of which country
an indian student goes to he's
considered an he or she is considered an
nra to grab the cook according to sbnri
website so if you stay in india for at
least 60 days yeah fair if you were in
india for 182 days minimum
that means you're an indian but
otherwise in all the all of the cases
you are an nri and average indian
student
success so that's why you have to create
an ahri account if you want to invest in
indian stocks so eska matlab if you are
an indian student outside of india you
should take this opportunity to invest
in u.s stocks if you are in u.s you
should invest in canadian australia
in that economy are you spending tuition
in that economy so take advantage of
that as well and u.s stocks are real
doing really good especially apple stock
and some of the smp funds i'll show that
later now let's do a breakdown of my
salary so first of all in the salary
what you get is rsu so shall no
if you are a software engineer in india
it's the same concept rsu is basically
restricted stock unit so let's say if
your salary is hundred thousand dollars
a hundred dollars whatever you want to
keep an analogy of so basically
let's say a girl google make i'm good
though let's say google will say that we
will give you 100 000 base kisat if this
is base they will give you a hundred
dollars of restricted stock unit and
they will say that
take thirty thousand dollars first year
take
twenty five thousand dollars next year
and the remaining is around forty five
take that in the third year or maybe
fourth year it all depends on that just
negotiate it's all on your negotiation
you can deal with this as well so this
is first kind of income you can get next
kind of stock income is espp which is
very very important some of the indian
indian engineers i know they're not
investing in it so this is a great
opportunity agar apki company upcoming
let's say if you
working at a startup if that company is
ipo'd ipod basically means that it has a
public stock offering that means you
should take a best opportunity of that
company and invest in that stocks so for
example let's say your salary is once
again hundred dollars espp means upkeep
salary cap two to ten percent up salary
may say
in that company stock let's say if it's
a google stock you will put it now how
that company will invest it's very very
amazing so basically let's say this is
the stock market wave right
here so let's say this is your pay cycle
if you get paid in those 14 days
or 30 days right so basically what
company will do is in this period
market lowest this is the lowest this is
the
bottom of that parabola or this is the
this is the dip of the parabola tip of
the market tip of that stock us point
pay company will buy that stock and it
will be usually at 15 or 10 percent
discount so basically you're getting the
stock at the cheapest possible rate if
you work for the company so that's why
agar ab us india preview take best
opportunity of espp as well now next is
number three your retirement funds
basically what company does is in us
they call it 401k
you will hear the term called matching
so what matching actually means is
basically they will take let's say once
again let's start with an example let's
say your salaries hundred dollars they
will give you an option to put one to
ten percent let's say i put four percent
matching now company has an exact number
of four percent match getting a five
percent let me let's say that you put
four dollars from your salary into the
retirement fund which is called ira and
what company will do is they will put
extra four dollars plus four dollars
into your retirement points so there are
four dollars other companies
they're matching the amount you put in
and they're putting that extra amount to
the retirement funds and the time
reports are bought by that if you later
on plan to buy a house in the us you can
take the money from the retirement point
and buy it it's not like the up 60
gigabyte there are a lot of terms and
condition you should read about it now
that means your salary is not hundred
dollars now it's actually 104 because
companies actually putting more money
and i got my h1b visa or student visa
but if you even want to go to india you
can still take money from ira and you
can take advantage of that as well this
is pretty much the breakdown of where i
invest spending will be a totally
different video now how i invest so
first of all let me show you once again
the
index fund so basically
the vo index fund which tracks the
economy so basically index fund is an
index to the economy index
foreign and india index furnace and sex
that we already saw now let's take a
look at index fund
stocks so it's kind of popular stocks
considering so top companies in s p 500.
so when you take a look at that you will
see that a higher index fund might be
index fund on an average they have
around
6.2 percent of apple stock so that's why
if you take a look at all of these
stocks all of these stocks have
ecosystem for example apple products
mccoody skirt macbook mac macbook
silicon iphone 7 or you can say apple tv
there's so many products right it has a
huge ecosystem and microsoft ecosystem
and there are microsoft apps microsoft
laptop amazon ecosystem and they are
they are starting to do even like normal
deliveries
they're starting to do that as well so
it has a huge ecosystem so the idea is
the way i invest talk is i take a look
at the ecosystem and 90 of my salary
let's create a new note so if my salary
is uh i don't want to give a number so
let's find let's say my salary is x what
i'm going to do is whenever i get a
paycheck so let's say paycheck
let's say if it is four thousand dollars
so you get salary in u.s for me at least
it's every two weeks so it's very very
useful because
you can spend all of it but two weeks is
very very amazing you can you wait for a
salary twice in a month so let's say two
week period may you get salary of around
two thousand dollars which is pretty
normal now in that two thousand dollars
let's say first of all what i'm gonna do
is i'm gonna pay all my bills so first
of all i'm gonna go to my apple
cartwheel which is around 800
i'm gonna pay it all then my chase
credit card bill after paying all my
bills let's say thousand dollars was my
bill and thousand dollar rent which was
i paid in the previous cycle now i'm
left with minus now i'm left with one
thousand dollars that i have right now
to invest in my investment when i have
savings of next three months of rent yes
next three four months
then i start investing that's the point
i think about now we're gonna invest one
thousand dollars right away so let's
open the apps that i use the most first
of all i'm gonna invest through my robin
hood okay robinhood
because it had a problem during gamestop
gamestop time robin hood
you cannot invest in game stop after a
point after degree the limited the
amount you can invest in those volatile
stocks so that's why some people do not
like
hood but i still think it's the most
popular app in the us or it's kind of
it's very simple that's why i still use
it you still use it now i'm gonna do is
i'm gonna use robinhood to invest in
number one vo which is
index fund so index fund i think it's
very volatile market so i'm gonna go
save 50 of my salary in index fund and
then i'm going to invest the rest in
apple stock little bit in apple stock
which i'm pretty sure it's going to go
really well in future it's going to go
back to around 180 pretty soon i'm 100
sure about that now let's open my next
app which is people i really really
trust in people because this kids are
like you get fee for stocks if you will
use my link in the description you will
get free four stocks and people can find
the air that you can actually invest in
fractional funds
let's say you have only hundred rupees
and you have enough money to only buy
point two percent of a stock the second
tesla i'm going to show you how i can
tell how i can buy tesla i only have 200
and i want to buy tesla stock what i'll
do is i'll choose
first of all tesla stock and while
buying it i will change
limit to market market may have double
section
0.25.4 and you can buy only certain half
of that stock which is very very useful
but you don't have to save first and
then buy now you can only buy half of
the stock so that's why people is very
useful and i'm gonna invest more of the
index fund so that's how i'm gonna
invest into stocks so that's the chapter
of stocks i don't use other apps i use
other apps like fidelity jovacci or
video with the hunger where i have my
company stocks i don't want to reveal
everything right now so now let's go
into my india investing i've got india
fd whichever other my nani and mom used
to put a lot of their money in fds japan
interest five to seven percent of the
other but i think index funds are best
so i'm going to show you the app called
grow dot in japanese stocks i said also
and index funding so this is an app for
india and remember
nrio
so what i'm going to do is i'm going to
invest let's say 50 000 rupees just to
show you can actually use karton so
let's click on add money and i'm gonna
first of all go to my account and
account
and then let's add money so i just got a
request from grow to pay around 40 000
rupees
so i'm gonna click on pay so forty
thousand imported in my grow wallet so
you can also invest in u.s stocks here
you have a page you can buy apple stock
microsoft on grow as well but now i'm
gonna invest only on mutual funds right
now so you have to explore section may
you will see the popular mutual funds
are icici
tata these are the two ones i believe
the most and you have a return coffees
are they get up five-year return
which is amazing and next i invest in
uti nifty so yeah my favorite so let's
first invest in icici
around 15 000
made rupees
around 15 000 rupees as well and
utima around 10 000. now done with
investing in india so now done with
investing a significant amount of money
from my indian savings account into
growth
now time for crypto first of all i'm
going to show you my indian crypto
portfolio so skilly i use wazirex the
most so upcoming abuse because
like referral bonus or referral coupon
for all
the apps i use you can find in the
description below because i've talked to
these brands while i've got 25 to 50
dollars
whenever you use my link in the
description below so in this portfolio i
currently have around 700 usd so that is
stable coin germany india capacity
management
you can either use upi or bank account
and invest in that as well i have coins
like
phantom ripple matic etc that is indian
so in my crypto.com account i have coins
like bitcoin of course cardano avalanche
so sorry coins
but in my own wallet
so for example in my interest account
around 12 on polygon
around 6.5 percent of ethereum
crypto yearly interest number that is
really really amazing so if i want to
create another fd i'll click on the plus
button or up near wallet may say let's
say i want to create an fd of solana so
because i thought about solana but i can
get 4.5 percent i'm gonna click continue
and then
you are staking it for three months
technically because you're getting a lot
of interest and i have one solana in my
account which i'm gonna deposit and now
that's it i will be getting 4.5
point five percent for three months not
three months but yearly interest divided
by three of three months getting
invested which is really amazing so
crypto.com is my favorite app for that
now next app i'm going to show you is q
coin when i recently discovered kia that
is also one of my favorite the q coin
cassettes
if you want to invest in australia you
want to invest in india canada
currency
to invest so let's go to the deposit
page in the deposit
and trading fee on q coin is point one
percent was here x key point two percent
so q coin is a little bit cheaper for
crypto in india apparently so that zero
x is the cheapest way but in some ways q
coin is even more cheaper and you have a
man let's say three thousand rupees
so us baby girl but i'm going to click
on buy usdt and i have options like imps
up
one ust miller which is cheaper than
wazirex also but agar apko you pick and
if you go down you p i may rate throws
out the 81 rupees which is same as with
zerex
now i'm gonna confirm and i'm gonna
transfer thousand rupees to
zerex and usually bad i'm gonna buy a
coin called glmr
portfolio
so basically i have around glmr in this
portfolio germanic kud karida in my
trading account and which is
there are a lot of fees whenever you buy
coin which is not popular for example
glmr is not a popular coin to my risk
layout
because this has around more than 200 to
co three unit coins substitute the coins
option and q coin way that's why it is
also one of my favorite trading account
it's maybe up fd square sector from inr
this may be earn page
up six percent seven percent commercial
so q coin is also amazing now next
blockchain app i use is block file disk
referral bonus is amazing you can get up
to 250 dollars
for block block file it was blocked by
the credit card
you can get two free dollars of bitcoin
in your account if you use my coupon
code so that's also amazing so you
haven't been a credit card with the
khara of block pay and i have around 169
dollars in this abstract
crypto.com pair but i still use this
cookie music credit card person there i
can buy groceries with crypto credit
card which is amazing
now what i do is i invest fifty percent
in
index funds jessica vo and around twenty
five percent just say
now apple stock me so twenty five
percent popular stocks apple just
ecosystem tesla has an ecosystem and
then 25 percent i just play around with
a laptop
and can give me 10x gains so that's my
crypto that's my so that's my stock
portfolio and for crypto i keep 50
in
bitcoin around 25 percent in ethereum
and i play around with my 25 percent of
my crypto portfolio 25 percent may just
happen in the avalanche phantom so
that's my idea of safe investment so
that's it for today's video
so definitely check out grow
yeah
referral code coupon you have a
reference link in the description below
so thank you so much for watching and
i'll see you guys in the next one
goodbye
[Music]
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