u/Spelx_OwO

Hi, I’m 23, Indian citizen living/working in Australia(tech). My father may transfer around ₹1 crore to me for a long-term India-focused portfolio, after confirming the proper NRI/tax setup with our CA.

I already invest in global ETFs (Ghhf + bgbl) from Australia, so this would mainly be India exposure. I don’t know the Indian market deeply (or the Indian market terms used, wish I had a bit more knowledge in finance), so I’m leaning towards boring broad index mutual funds instead of stock picking.

I’ve seen Ankur Warikoo’s advice suggesting a mix of equity mutual funds, debt mutual funds, and gold ETFs. Is that generally sensible or too conservative?

Also, what NRI tax/account questions should I ask the CA before investing?

I crossed my own stop line on green, didn’t speed, and didn’t run a red light.

It was early morning, heavy rain, and the roads were basically empty. I was going straight through an intersection, but the receiving side narrowed into one lane instead of two. After crossing the intersection, I accidentally entered the wrong/opposite-side turning lane, realised immediately, did a U-turn to correct myself, and then stopped normally as the light was turning yellow.

There were fixed cameras on three sides of the intersection, except the side I was originally coming from. However, there was a camera facing/covering the lane I accidentally entered, which is why I’m worried.

Since I crossed my own stop line on green and didn’t speed, would a red-light/speed camera have any basis to issue a fine for this, or are those cameras only enforcing red light/speed type offences?

Hi I’m a 23-year-old male living in Melbourne. I’m not eligible for Medicare(not a citizen) so I’m assuming I’d just be paying out of pocket for dental.

Last time I went to a dentist was when I was around 7–8 years old. Had a premolar removed because of a cavity and after that never been to one again. My teeth feel fine overall no pain or obvious issues, and I still have all my wisdom teeth.

Now that I’ve finished uni and I’m working full-time, I don’t mind paying for it if it’s something I should be doing regularly. If I just want to get everything checked and maybe get my teeth cleaned, what should I actually book? Is it a general check-up, scale and clean, dental exam, or something else?

Any advice on what to ask for or Melbourne clinic recommendations would be appreciated.

Thanks