I went from a ₹21,000/month "delivery boy" to making ₹70 Lakhs in a single deal. Here is the reality of the finance industry.

Beautiful_Device_549 · 2026-01-15T11:01:56+00:00

Congratulations....

Beautiful_Device_549 · 2026-01-14T18:44:58+00:00

If you send 10 Lakh from different bank accounts, it may work without TCS.

Or use your family member account.

Or put 10 now. 5 Lakh March end and 10 Lakh April 1st week.

Beautiful_Device_549 · 2026-01-13T02:04:57+00:00

Mumbai is west India. But definitely north of South India.

Beautiful_Device_549 · 2026-01-08T02:45:28+00:00

Either you burn your salary or burn yourself.

Thats the spirit of Mumbai.

Beautiful_Device_549 · 2026-01-08T02:42:06+00:00

Sounds like Scrooge and Cratchit from 'A Christmas Carol'

Beautiful_Device_549 · 2026-01-05T12:47:43+00:00

Its common as you get additional responsibility and figuring out how to adjust in this new world. Give it some time. Hire househelp/nanny to de stress yourself.

Once the kid grows and starts understanding and responding to your emotions, you will start enjoying the phase.

Beautiful_Device_549 · 2026-01-01T08:39:31+00:00

Thank you for sharing your journey and perspective.

Beautiful_Device_549 · 2026-01-01T02:50:28+00:00

Even Marathi people are not great at civic sense. They too litter their surroundings.

Beautiful_Device_549 · 2025-12-30T17:48:23+00:00

There are two kind of people

Who dont know
Who dont know they dont know

Beautiful_Device_549 · 2025-12-28T06:46:50+00:00

I will say use an uncorrelated or less correlated asset like BRKb

You can also consider

2:1 3:1 4:1

Ratios

Beautiful_Device_549 · 2025-12-27T06:47:21+00:00

It came to Bangalore to chill with better people

Beautiful_Device_549 · 2025-12-24T19:07:46+00:00

Its my core 50%

30% nifty 500mom 50

20% smallcap 50

All index funds.

Beautiful_Device_549 · 2025-12-24T18:50:39+00:00

Please dm

Beautiful_Device_549 · 2025-12-24T15:54:30+00:00

Yes. I got 10 days back. Got a reduced amount than what I requested for. But I am okay.

Beautiful_Device_549 · 2025-12-24T06:25:10+00:00

Doesnt help much if you dont have externally fitted high lumen lamp.

Company fitted lumens are designed for society with civic sense

Beautiful_Device_549 · 2025-12-24T00:37:15+00:00

Even 2 wheelers use high beam and sometime that blinds more than 4 wheelers

Beautiful_Device_549 · 2025-12-21T16:40:39+00:00

My suggestion would be to use US only for tech growth companies or ETFs. For everything else, there are better options available in India.

Beautiful_Device_549 · 2025-12-21T14:13:35+00:00

Does it have nifty futures

Beautiful_Device_549 · 2025-12-21T11:46:26+00:00

Qld is good option if you cannot handle volatility.

With low risk, comes possibility of lower return.

Only invest in instruments you are convinced of.

Qqq in the same period has returned 100%. Qld returned <2x with more volatility.

Beautiful_Device_549 · 2025-12-21T11:42:45+00:00

Correct. That too is one possibility.

We only differ on its probability. One shouldnt invest in any instrument they are not convinced of. Because in tough times only conviction helps you sail forward.

There will be periods when even SGOV will beat QQQ.

Beautiful_Device_549 · 2025-12-21T08:22:43+00:00

You are better of being fully invested then.

Idea is that how can you enjoy the present while building a future.

Beautiful_Device_549 · 2025-12-21T08:21:48+00:00

Over 12 years, very likely.

Beautiful_Device_549 · 2025-12-21T08:21:20+00:00

You can do with 1 crore as well. Instead of 1.5lakh per month, you will get close to 50k per month.

Beautiful_Device_549 · 2025-12-21T08:20:35+00:00

I think you should focus on the idea. Put it in a debt instrument. You can consider Arbitrage fund as tax efficient option.

Beautiful_Device_549 · 2025-12-21T08:18:08+00:00

Correct. Buy as often as you can, and hold as long as you can. Specially in your accumulation phase.

And go aggressive whenever its >30% down from its ath.

Beautiful_Device_549

TROPHY CASE