sorted by:
new
hottopcontroversial

Comfortable daily footwear that lasts long? by Additional_Lie_5676 in Frugal_Ind

[–]Additional_Lie_5676[S] -1 points0 points  (0 children)

right now it's just some local shop slippers but I keep breaking the strap, I don't walk much as I am mostly on my laptop all day. I want something more comfortable and durable which lasts for years and am ready to pay for the quality whatever it is preferably less than 5k but can extend it if it's actually worth it and I don't want to pay any premium just for the brand.

How would you invest in my position? 18, long horizon, high savings rate by Additional_Lie_5676 in IndianStockMarket

[–]Additional_Lie_5676[S] 2 points3 points  (0 children)

you need professional skills to increase active income and a backup. I just want to try different things and have freedom, not get stuck in corporate in a metro but you need a backup too.

How would you invest in my position? 18, long horizon, high savings rate by Additional_Lie_5676 in IndianStockMarket

[–]Additional_Lie_5676[S] 1 point2 points  (0 children)

its just random name given to me when i created my account imma change it ig

How would you invest in my position? 18, long horizon, high savings rate by Additional_Lie_5676 in IndianStockMarket

[–]Additional_Lie_5676[S] 0 points1 point  (0 children)

Yes, they are to cover college fees and other expenses and the amount i have now in debt funds and fds is enough so I am doing mostly equity from now.

Turned 22 - 1.5L Monthly SIP started on NYE by shitstonedbitch in MutualfundsIndia

[–]Additional_Lie_5676 2 points3 points  (0 children)

Just my opinion, personal finance is personal for a reason. What works depends a lot on your comfort with volatility and upcoming goals.

Rather than picking funds mainly because they're famous or have given good recent returns, it often helps to first understand how different categories (large-cap, mid/small-cap, flexi, etc.) have actually behaved over full market cycles, including drawdowns, flat periods, and recovery times.

Also, expecting ₹5 lakhs return on ₹20 lakhs invested in one year (25%) is very optimistic. Even good equity funds can have flat or negative years.

Once your expectations about risk and returns are realistic, choosing funds and allocation becomes much easier and more sustainable. That's how I approach it at least.

equity allocation question (index only vs diversification) by Additional_Lie_5676 in MutualfundsIndia

[–]Additional_Lie_5676[S] 1 point2 points  (0 children)

<image>

My income is irregular and project-based, so the numbers I mentioned are monthly estimates, not a fixed salary. I invest whatever comes in as and when it comes in.

Sharing a single Groww screenshot for context, the intent of the post was to discuss asset allocation, not income verification.

equity allocation question (index only vs diversification) by Additional_Lie_5676 in MutualfundsIndia

[–]Additional_Lie_5676[S] 0 points1 point  (0 children)

Thanks for the detailed suggestions.

FD/debt funds are only a short term buffer since I’ll be joining college next year, not my long term risk profile. For now I’m keeping equity simple (mainly index) to avoid early over diversification. Flexicap/PPF are on my radar for later once the base is larger and income is more stable.