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How I invest in India & USA? Stocks & Crypto Portfolio!! - YouTube
Channel: Singh in USA
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so hello everyone today in this video
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i'll be sharing the reality of my
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software engineering salary and how i
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invest every single dollar from my
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salary into stocks crypto mutual funds
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index fund bonds everything i'll be
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revealing every single detail india menu
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wherever i invest i'm going to give you
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all the details because currently market
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is down so let me show you a little bit
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about the market so if you want to take
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a look at the market in india and u.s so
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basically let's look at take a look at
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index fund because index fund tracks the
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economy index is associated index fund
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economy
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index fund goes up as well index fund
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cons contains of around 500 funds in the
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us so if you look take a look at vo
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stock which is s p 500 it's kind of 500
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stocks
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it
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keeps a track of bonds market and
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basically puri country economy so it is
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down currently by if you take a look so
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max was around 444 dollars at one point
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and we have 400 dollars it's down by
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around 10 percent let's take a look at
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india stock as well
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india sends six right now so india's
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sensex is which is currently fallen by
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japeek there was 61 000 now it's
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currently sitting at 57 000 so 10 000 of
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us 6 000 so that is also down by 10
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so economy of both u.s and india is
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currently down by around 10 percent so
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that's why it's the best opportunity to
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invest
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in the last video i shared how i was
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able to you know pay one crore tuition
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and
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look so spending that you must be
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getting that much return in your salary
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that's absolutely not true i definitely
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don't make around one crore the amount
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could be here and there but it's
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definitely not one crore and many uh
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website with akhada on some website that
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singing usa net worth is one million
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dollars that is also absolutely not true
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i am far from it so let's start with so
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starting with my salary breakdown now so
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basically salary is other pieces of
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there first of all i'm going to take a
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photo of this market so that you can
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know how i actually invest so let's take
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a screenshot of this market which is
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really really down right now and it is
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very important for you to invest right
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now before even giving you the breakdown
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of the why it is very important to
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invest so if i if i take a look at being
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being an nri may actually abbie indian
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city you know i am on f1 visa i'm on
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student visa i'm an indian even then i
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am considered an nri according to
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india's economy this is very shocking
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it's
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if an indian student goes to us canada
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australia irrespective of which country
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an indian student goes to he's
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considered an he or she is considered an
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nra to grab the cook according to sbnri
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website so if you stay in india for at
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least 60 days yeah fair if you were in
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india for 182 days minimum
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that means you're an indian but
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otherwise in all the all of the cases
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you are an nri and average indian
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student
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success so that's why you have to create
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an ahri account if you want to invest in
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indian stocks so eska matlab if you are
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an indian student outside of india you
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should take this opportunity to invest
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in u.s stocks if you are in u.s you
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should invest in canadian australia
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in that economy are you spending tuition
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in that economy so take advantage of
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that as well and u.s stocks are real
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doing really good especially apple stock
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and some of the smp funds i'll show that
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later now let's do a breakdown of my
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salary so first of all in the salary
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what you get is rsu so shall no
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if you are a software engineer in india
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it's the same concept rsu is basically
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restricted stock unit so let's say if
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your salary is hundred thousand dollars
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a hundred dollars whatever you want to
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keep an analogy of so basically
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let's say a girl google make i'm good
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though let's say google will say that we
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will give you 100 000 base kisat if this
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is base they will give you a hundred
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dollars of restricted stock unit and
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they will say that
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take thirty thousand dollars first year
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take
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twenty five thousand dollars next year
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and the remaining is around forty five
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take that in the third year or maybe
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fourth year it all depends on that just
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negotiate it's all on your negotiation
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you can deal with this as well so this
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is first kind of income you can get next
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kind of stock income is espp which is
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very very important some of the indian
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indian engineers i know they're not
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investing in it so this is a great
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opportunity agar apki company upcoming
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let's say if you
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working at a startup if that company is
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ipo'd ipod basically means that it has a
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public stock offering that means you
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should take a best opportunity of that
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company and invest in that stocks so for
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example let's say your salary is once
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again hundred dollars espp means upkeep
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salary cap two to ten percent up salary
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may say
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in that company stock let's say if it's
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a google stock you will put it now how
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that company will invest it's very very
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amazing so basically let's say this is
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the stock market wave right
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here so let's say this is your pay cycle
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if you get paid in those 14 days
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or 30 days right so basically what
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company will do is in this period
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market lowest this is the lowest this is
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the
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bottom of that parabola or this is the
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this is the dip of the parabola tip of
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the market tip of that stock us point
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pay company will buy that stock and it
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will be usually at 15 or 10 percent
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discount so basically you're getting the
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stock at the cheapest possible rate if
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you work for the company so that's why
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agar ab us india preview take best
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opportunity of espp as well now next is
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number three your retirement funds
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basically what company does is in us
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they call it 401k
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you will hear the term called matching
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so what matching actually means is
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basically they will take let's say once
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again let's start with an example let's
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say your salaries hundred dollars they
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will give you an option to put one to
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ten percent let's say i put four percent
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matching now company has an exact number
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of four percent match getting a five
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percent let me let's say that you put
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four dollars from your salary into the
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retirement fund which is called ira and
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what company will do is they will put
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extra four dollars plus four dollars
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into your retirement points so there are
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four dollars other companies
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they're matching the amount you put in
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and they're putting that extra amount to
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the retirement funds and the time
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reports are bought by that if you later
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on plan to buy a house in the us you can
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take the money from the retirement point
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and buy it it's not like the up 60
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gigabyte there are a lot of terms and
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condition you should read about it now
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that means your salary is not hundred
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dollars now it's actually 104 because
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companies actually putting more money
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and i got my h1b visa or student visa
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but if you even want to go to india you
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can still take money from ira and you
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can take advantage of that as well this
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is pretty much the breakdown of where i
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invest spending will be a totally
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different video now how i invest so
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first of all let me show you once again
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the
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index fund so basically
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the vo index fund which tracks the
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economy so basically index fund is an
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index to the economy index
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foreign and india index furnace and sex
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that we already saw now let's take a
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look at index fund
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stocks so it's kind of popular stocks
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considering so top companies in s p 500.
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so when you take a look at that you will
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see that a higher index fund might be
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index fund on an average they have
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around
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6.2 percent of apple stock so that's why
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if you take a look at all of these
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stocks all of these stocks have
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ecosystem for example apple products
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mccoody skirt macbook mac macbook
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silicon iphone 7 or you can say apple tv
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there's so many products right it has a
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huge ecosystem and microsoft ecosystem
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and there are microsoft apps microsoft
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laptop amazon ecosystem and they are
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they are starting to do even like normal
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deliveries
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they're starting to do that as well so
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it has a huge ecosystem so the idea is
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the way i invest talk is i take a look
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at the ecosystem and 90 of my salary
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let's create a new note so if my salary
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is uh i don't want to give a number so
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let's find let's say my salary is x what
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i'm going to do is whenever i get a
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paycheck so let's say paycheck
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let's say if it is four thousand dollars
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so you get salary in u.s for me at least
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it's every two weeks so it's very very
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useful because
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you can spend all of it but two weeks is
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very very amazing you can you wait for a
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salary twice in a month so let's say two
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week period may you get salary of around
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two thousand dollars which is pretty
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normal now in that two thousand dollars
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let's say first of all what i'm gonna do
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is i'm gonna pay all my bills so first
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of all i'm gonna go to my apple
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cartwheel which is around 800
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i'm gonna pay it all then my chase
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credit card bill after paying all my
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bills let's say thousand dollars was my
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bill and thousand dollar rent which was
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i paid in the previous cycle now i'm
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left with minus now i'm left with one
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thousand dollars that i have right now
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to invest in my investment when i have
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savings of next three months of rent yes
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next three four months
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then i start investing that's the point
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i think about now we're gonna invest one
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thousand dollars right away so let's
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open the apps that i use the most first
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of all i'm gonna invest through my robin
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hood okay robinhood
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because it had a problem during gamestop
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gamestop time robin hood
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you cannot invest in game stop after a
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point after degree the limited the
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amount you can invest in those volatile
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stocks so that's why some people do not
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like
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hood but i still think it's the most
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popular app in the us or it's kind of
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it's very simple that's why i still use
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it you still use it now i'm gonna do is
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i'm gonna use robinhood to invest in
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number one vo which is
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index fund so index fund i think it's
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very volatile market so i'm gonna go
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save 50 of my salary in index fund and
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then i'm going to invest the rest in
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apple stock little bit in apple stock
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which i'm pretty sure it's going to go
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really well in future it's going to go
[600]
back to around 180 pretty soon i'm 100
[603]
sure about that now let's open my next
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app which is people i really really
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trust in people because this kids are
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like you get fee for stocks if you will
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use my link in the description you will
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get free four stocks and people can find
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the air that you can actually invest in
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fractional funds
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let's say you have only hundred rupees
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and you have enough money to only buy
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point two percent of a stock the second
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tesla i'm going to show you how i can
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tell how i can buy tesla i only have 200
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and i want to buy tesla stock what i'll
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do is i'll choose
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first of all tesla stock and while
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buying it i will change
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limit to market market may have double
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section
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0.25.4 and you can buy only certain half
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of that stock which is very very useful
[647]
but you don't have to save first and
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then buy now you can only buy half of
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the stock so that's why people is very
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useful and i'm gonna invest more of the
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index fund so that's how i'm gonna
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invest into stocks so that's the chapter
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of stocks i don't use other apps i use
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other apps like fidelity jovacci or
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video with the hunger where i have my
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company stocks i don't want to reveal
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everything right now so now let's go
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into my india investing i've got india
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fd whichever other my nani and mom used
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to put a lot of their money in fds japan
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interest five to seven percent of the
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other but i think index funds are best
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so i'm going to show you the app called
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grow dot in japanese stocks i said also
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and index funding so this is an app for
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india and remember
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nrio
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so what i'm going to do is i'm going to
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invest let's say 50 000 rupees just to
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show you can actually use karton so
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let's click on add money and i'm gonna
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first of all go to my account and
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account
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and then let's add money so i just got a
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request from grow to pay around 40 000
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rupees
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so i'm gonna click on pay so forty
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thousand imported in my grow wallet so
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you can also invest in u.s stocks here
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you have a page you can buy apple stock
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microsoft on grow as well but now i'm
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gonna invest only on mutual funds right
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now so you have to explore section may
[721]
you will see the popular mutual funds
[722]
are icici
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tata these are the two ones i believe
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the most and you have a return coffees
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are they get up five-year return
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which is amazing and next i invest in
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uti nifty so yeah my favorite so let's
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first invest in icici
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around 15 000
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made rupees
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around 15 000 rupees as well and
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utima around 10 000. now done with
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investing in india so now done with
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investing a significant amount of money
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from my indian savings account into
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growth
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now time for crypto first of all i'm
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going to show you my indian crypto
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portfolio so skilly i use wazirex the
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most so upcoming abuse because
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like referral bonus or referral coupon
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for all
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the apps i use you can find in the
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description below because i've talked to
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these brands while i've got 25 to 50
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dollars
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whenever you use my link in the
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description below so in this portfolio i
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currently have around 700 usd so that is
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stable coin germany india capacity
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management
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you can either use upi or bank account
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and invest in that as well i have coins
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like
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phantom ripple matic etc that is indian
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so in my crypto.com account i have coins
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like bitcoin of course cardano avalanche
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so sorry coins
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but in my own wallet
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so for example in my interest account
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around 12 on polygon
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around 6.5 percent of ethereum
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crypto yearly interest number that is
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really really amazing so if i want to
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create another fd i'll click on the plus
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button or up near wallet may say let's
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say i want to create an fd of solana so
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because i thought about solana but i can
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get 4.5 percent i'm gonna click continue
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and then
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you are staking it for three months
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technically because you're getting a lot
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of interest and i have one solana in my
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account which i'm gonna deposit and now
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that's it i will be getting 4.5
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point five percent for three months not
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three months but yearly interest divided
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by three of three months getting
[860]
invested which is really amazing so
[862]
crypto.com is my favorite app for that
[864]
now next app i'm going to show you is q
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coin when i recently discovered kia that
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is also one of my favorite the q coin
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cassettes
[872]
if you want to invest in australia you
[874]
want to invest in india canada
[878]
currency
[879]
to invest so let's go to the deposit
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page in the deposit
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and trading fee on q coin is point one
[903]
percent was here x key point two percent
[905]
so q coin is a little bit cheaper for
[908]
crypto in india apparently so that zero
[909]
x is the cheapest way but in some ways q
[912]
coin is even more cheaper and you have a
[914]
man let's say three thousand rupees
[918]
so us baby girl but i'm going to click
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on buy usdt and i have options like imps
[924]
up
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one ust miller which is cheaper than
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wazirex also but agar apko you pick and
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if you go down you p i may rate throws
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out the 81 rupees which is same as with
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zerex
[950]
now i'm gonna confirm and i'm gonna
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transfer thousand rupees to
[954]
zerex and usually bad i'm gonna buy a
[956]
coin called glmr
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portfolio
[960]
so basically i have around glmr in this
[963]
portfolio germanic kud karida in my
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trading account and which is
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there are a lot of fees whenever you buy
[970]
coin which is not popular for example
[972]
glmr is not a popular coin to my risk
[975]
layout
[978]
because this has around more than 200 to
[981]
co three unit coins substitute the coins
[982]
option and q coin way that's why it is
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also one of my favorite trading account
[986]
it's maybe up fd square sector from inr
[988]
this may be earn page
[990]
up six percent seven percent commercial
[992]
so q coin is also amazing now next
[995]
blockchain app i use is block file disk
[997]
referral bonus is amazing you can get up
[999]
to 250 dollars
[1002]
for block block file it was blocked by
[1004]
the credit card
[1005]
you can get two free dollars of bitcoin
[1007]
in your account if you use my coupon
[1008]
code so that's also amazing so you
[1010]
haven't been a credit card with the
[1012]
khara of block pay and i have around 169
[1014]
dollars in this abstract
[1017]
crypto.com pair but i still use this
[1018]
cookie music credit card person there i
[1021]
can buy groceries with crypto credit
[1023]
card which is amazing
[1025]
now what i do is i invest fifty percent
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in
[1028]
index funds jessica vo and around twenty
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five percent just say
[1034]
now apple stock me so twenty five
[1036]
percent popular stocks apple just
[1038]
ecosystem tesla has an ecosystem and
[1040]
then 25 percent i just play around with
[1042]
a laptop
[1044]
and can give me 10x gains so that's my
[1046]
crypto that's my so that's my stock
[1048]
portfolio and for crypto i keep 50
[1052]
in
[1052]
bitcoin around 25 percent in ethereum
[1056]
and i play around with my 25 percent of
[1058]
my crypto portfolio 25 percent may just
[1061]
happen in the avalanche phantom so
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that's my idea of safe investment so
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that's it for today's video
[1068]
so definitely check out grow
[1070]
yeah
[1071]
yeah
[1073]
referral code coupon you have a
[1075]
reference link in the description below
[1076]
so thank you so much for watching and
[1077]
i'll see you guys in the next one
[1079]
goodbye
[1083]
[Music]
[1093]
you
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